1. Your Acceptance
By using and/or visiting FinancialSoft website or website services (collectively, including all content and functionality available through FinancialSoft, or “Website”), you signify your agreement to (1) these terms and conditions (the “Terms of Service”), (2)Our privacy notice and incorporated here by reference, and (3) Our Community Guidelines, also incorporated here by reference. If you do not agree to any of these terms, FinancialSoft privacy notice or the Community Guidelines, please do not use the FinancialSoft website.
Although we may attempt to notify you when major changes are made to these Terms of Service, you should periodically review the most up-to-date version. FinancialSoft may, in its sole discretion, modify or revise these Terms of Service and policies at any time, and you agree to be bound by such modifications or revisions. Nothing in this Agreement shall be deemed to confer any third-party rights or benefits.
2. FinancialSoft Website
These Terms of Service apply to all users of the FinancialSoft website, including users who are also contributors of video content, information, and other materials or services on the Website.
The FinancialSoft website may contain links to third party websites that are not owned or controlled by FinancialSoft. FinancialSoft has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party websites. In addition, FinancialSoft will not and cannot censor or edit the content of any third-party site. By using the Website, you expressly relieve FinancialSoft from any and all liability arising from your use of any third-party website.
3. FinancialSoft Accounts
In order to access some features of the Website, you will have to create an account. You may never use another’s account without permission. When creating your account, you must provide accurate and complete information. You are solely responsible for the activity that occurs on your account, and you must keep your account password secure. You must notify FinancialSoft immediately of any breach of security or unauthorized use of your account.
Although FinancialSoft will not be liable for your losses caused by any unauthorized use of your account, you may be liable for the losses of FinancialSoft or others due to such unauthorized use.
4. General Use of the Website — Permissions and Restrictions
FinancialSoft hereby grants you permission to access and use the Website as set forth in these Terms of Service, provided that:
Although FinancialSoft will not be liable for your losses caused by any unauthorized use of your account, you may be liable for the losses of FinancialSoft or others due to such unauthorized use.
You agree not to alter or modify any part of the Website.
You agree not to use the Website, for any commercial use, without the prior written authorization of FinancialSoft. Prohibited commercial uses include any of the following actions taken without FinancialSoft express approval:
- Sale of access to the Website or its related services on another website;
- Use of the Website or its related services, for the primary purpose of gaining advertising or subscription revenue;
- The sale of advertising, on the FinancialSoft website or any third-party website, targeted to the content of specific User Submissions or FinancialSoft content;
And, any use of the Website or its related services that FinancialSoft finds, in its sole discretion, to use FinancialSoft resources or User Submissions with the effect of competing with or displacing the market for FinancialSoft, FinancialSoft content, or its User Submissions.
Prohibited commercial uses include:
Utilizing FinancialSoft to spam users about your business or artistic enterprise;
Using items created on FinancialSoft provided the primary purpose of using FinancialSoft is to gain advertising revenue or compete with FinancialSoft.
If you use content from FinancialSoft on your website, you must include a prominent link back to FinancialSoft website.
You agree not to use or launch any automated system, including without limitation, “robots,” “spiders,” or “offline readers,” that accesses the Website in a manner that sends more request messages to the FinancialSoft servers in a given period of time than a human can reasonably produce in the same period by using a conventional on-line web browser. Notwithstanding the foregoing, FinancialSoft grants the operators of public search engines permission to use spiders to copy materials from the site for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials. FinancialSoft reserves the right to revoke these exceptions either generally or in specific cases. You agree not to collect or harvest any personally identifiable information, including account names, from the Website, nor to use the communication systems provided by the Website (e.g. comments, email) for any commercial solicitation purposes. You agree not to solicit, for commercial purposes, any users of the Website with respect to their User Submissions.
In your use of the website, you will otherwise comply with the terms and conditions of these Terms of Service, FinancialSoft, and all applicable local, national, and international laws and regulations.
FinancialSoft reserves the right to discontinue any aspect of the FinancialSoft website at any time.
5. Your Use of Content on the Site
In addition to the general restrictions above, the following restrictions and conditions apply specifically to your use of content on the FinancialSoft website.
The content on the FinancialSoft website, except all User Submissions (as defined below), including without limitation, the text, software, scripts, graphics, photos, sounds, music, reports, videos, interactive features and the like (“Content”) and the trademarks, service marks and logos contained therein (“Marks”), are owned by or licensed to FinancialSoft, subject to copyright and other intellectual property rights under the law. Content on the Website is provided to you AS IS for your information and personal use only and may not be downloaded, copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited for any other purposes whatsoever without the prior written consent of the respective owners. FinancialSoft reserves all rights not expressly granted in and to the Website and the Content.
You may access content solely for your information and personal use; as intended through the normal functionality of the FinancialSoft Service;
You may access Content, only as permitted under this Agreement. FinancialSoft reserves all rights not expressly granted in and to the FinancialSoft content and the service.
You agree to not engage in the use, copying, or distribution of any of the Content other than expressly permitted herein, including any use, copying, or distribution of User Submissions of third parties obtained through the Website for any commercial purposes.
You agree not to circumvent, disable or otherwise interfere with security-related features of the FinancialSoft website or features that prevent or restrict use or copying of any Content or enforce limitations on use of the FinancialSoft Website or the Content therein.
You understand that when using the FinancialSoft Website, you will be exposed to User Submissions from a variety of sources, and that FinancialSoft is not responsible for the accuracy, usefulness, safety, or intellectual property rights of or relating to such User Submissions. You further understand and acknowledge that you may be exposed to User Submissions that are inaccurate, offensive, indecent, or objectionable, and you agree to waive, and hereby do waive, any legal or equitable rights or remedies you have or may have against FinancialSoft with respect thereto, and agree to indemnify and hold FinancialSoft, its Owners/Operators, affiliates, and/or licensors, harmless to the fullest extent allowed by law regarding all matters related to your use of the site.
6. Your Conduct
As a FinancialSoft account holder you may submit content and textual content (“User Comments”). User Videos and User Comments are collectively referred to as “User Submissions.” You understand that whether or not such User Submissions are published, FinancialSoft does not guarantee any confidentiality with respect to any User Submissions.
You shall be solely responsible for your own User Submissions and the consequences of posting or publishing them. In connection with User Submissions, you affirm, represent, and/or warrant that: you own or have the necessary licenses, rights, consents, and permissions to use and authorize FinancialSoft to use all patent, trademark, trade secret, copyright or other proprietary rights in and to any and all User Submissions to enable inclusion and use of the User Submissions in the manner contemplated by the Website and these Terms of Service.
For clarity, you retain all of your ownership rights in your User Submissions. However, by submitting User Submissions to FinancialSoft, you hereby grant FinancialSoft a worldwide, non-exclusive, royalty-free, sub-licensable and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the User Submissions in connection with the FinancialSoft Website and FinancialSoft (and its successors’ and affiliates’) business, including without limitation for promoting and redistributing part or all of the FinancialSoft Website (and derivative works thereof) in any media formats and through any media channels. You also hereby grant each user of the FinancialSoft Website a non-exclusive license to access your User Submissions through the Website, and to use, reproduce, distribute, display and perform such User Submissions as permitted through the functionality of the Website and under these Terms of Service. The above licenses granted by you in User Content terminate within a commercially reasonable time after you remove or delete your content from the FinancialSoft website. You understand and agree, however, that FinancialSoft may retain, but not display, distribute, or perform, server copies of User Submissions that have been removed or deleted. The above licenses granted by you in User Comments are perpetual and irrevocable.
In connection with User Submissions, you further agree that you will not submit material that is copyrighted, protected by trade secret or otherwise subject to third party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the material and to grant FinancialSoft all of the license rights granted herein.
You further agree that you will not, in connection with User Submissions, submit material that is contrary to the FinancialSoft guidelines which may be updated from time to time, or contrary to applicable local, national, and international laws and regulations.
FinancialSoft does not endorse any User Submission or any opinion, recommendation, or advice expressed therein, and FinancialSoft expressly disclaims any and all liability in connection with User Submissions. FinancialSoft does not permit copyright infringing activities and infringement of intellectual property rights on its Website, and FinancialSoft will remove all Content and User Submissions if properly notified that such Content or User Submission infringes on another’s intellectual property rights. FinancialSoft reserves the right to remove Content and User Submissions without prior notice.
7. Account Termination Policy
FinancialSoft will terminate a User’s access to its Website if, under appropriate circumstances, they are determined to be a repeat infringer.
FinancialSoft reserves the right to decide whether Content or a User Submission is appropriate and complies with these Terms of Service for violations other than copyright infringement, such as, but not limited to, pornography, obscene or defamatory material, or excessive length. FinancialSoft may remove such User Submissions and/or terminate a User’s access for uploading such material in violation of these Terms of Service at any time, without prior notice and at its sole discretion.
8. Digital Millennium Copyright Act
If you are a copyright owner or an agent thereof and believe that any User Submission or other content infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act (“DMCA”) by providing our Copyright Agent with the following information in writing (see 17 U.S.C 512(c)(3) for further detail):
A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit the service provider to locate the material;
Information reasonably sufficient to permit the service provider to contact you, such as an address, telephone number, and, if available, an electronic mail;
A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. FinancialSoft designated Copyright Agent to receive notifications of claimed infringement is: Legal Department, FinancialSoft, 7802 Kennedy Road, Sebastopol, CA 95472. For clarity, only DMCA notices should go to the Copyright Agent; any other feedback, comments, requests for technical support, and other communications can be directed to the same address. You acknowledge that if you fail to comply with all of the requirements of this Section 5(D), your DMCA notice may not be valid.
Counter-Notice. If you believe that your User Submission that was removed (or to which access was disabled) is not infringing, or that you have the authorization from the copyright owner, the copyright owner’s agent, or pursuant to the law, to post and use the content in your User Submission, you may send a counter-notice containing the following information to the Copyright Agent:
Your physical or electronic signature;
Identification of the content that has been removed or to which access has been disabled and the location at which the content appeared before it was removed or disabled;
A statement that you have a good faith belief that the content was removed or disabled as a result of mistake or a misidentification of the content; and
Your name, address, telephone number, and e-mail address, a statement that you consent to the jurisdiction of the federal court Sonoma County, California, and a statement that you will accept service of process from the person who provided notification of the alleged infringement. If a counter-notice is received by the Copyright Agent, FinancialSoft may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed content or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the content provider, member or user, the removed content may be replaced, or access to it restored, in 10 to 14 business days or more after receipt of the counter-notice, at FinancialSoft sole discretion.
9. Warranty Disclaimer
YOU AGREE THAT YOUR USE OF THE FINANCIALSOFT WEBSITE AND REPORTS SHALL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, FINANCIALSOFT, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE WEBSITE AND YOUR USE THEREOF FINANCIALSOFT MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THIS SITE’S CONTENT OR THE CONTENT OF ANY SITES LINKED TO THIS SITE AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR WEBSITE, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR WEBSITE, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH OUR WEBSITE BY ANY THIRD PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE FINANCIALSOFT WEBSITE. FINANCIALSOFT, DOES NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE FINANCIALSOFT WEB SITE OR ANY HYPERLINKED WEBSITE OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND FINANCIALSOFT WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.
10. Limitation of Liability
IN NO EVENT SHALL FINANCIALSOFT ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF OUR WEBSITE, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (IV) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM OUR WEBSITE, (IV) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE, WHICH MAY BE TRANSMITTED TO OR THROUGH OUR WEBSITE BY ANY THIRD PARTY, AND/OR (V) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF YOUR USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE FINANCIALSOFT WEBSITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION. YOU SPECIFICALLY ACKNOWLEDGE THAT fINANCIALSOFT SHALL NOT BE LIABLE FOR USER SUBMISSIONS OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY AND THAT THE RISK OF HARM OR DAMAGE FROM THE FOREGOING RESTS ENTIRELY WITH YOU. The Website is controlled and offered by FinancialSoft from its facilities in the United States of America. FinancialSoft makes no representations that the FinancialSoft Website is appropriate or available for use in other locations. Those who access or use the FinancialSoft Website from other jurisdictions do so at their own volition and are responsible for compliance with local law.
You agree to defend, indemnify and hold harmless FINANCIALSOFT, its parent corporation, officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees) arising from: (i) your use of and access to the FinancialSoft Website; (ii) your violation of any term of these Terms of Service; (iii) your violation of any third party right, including without limitation any copyright, property, or privacy right; or (iv) any claim that one of your User Submissions caused damage to a third party. This defense and indemnification obligation will survive these Terms of Service and your use of the FinancialSoft Website.
12. Ability to Accept Terms of Service
You affirm that you are either more than 18 years of age, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms of Service, and to abide by and comply with these Terms of Service. In any case, you affirm that you are over the age of 13, as the FinancialSoft Website is not intended for children under 13. If you are under 13 years of age, then please do not use the FinancialSoft Website. There are lots of other great web sites for you. Talk to your parents about what sites are appropriate for you.
These Terms of Service, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by FinancialSoft without restriction.
You agree that: (i) the FinancialSoft Website shall be deemed solely based in the state of California, USA; and (ii) the FinancialSoft Website shall be deemed a passive website that does not give rise to personal jurisdiction over FinancialSoft, either specific or general, in jurisdictions other than the State of California. These Terms of Service shall be governed by the internal substantive laws of the State of California, without respect to its conflict of laws principles. Any claim or dispute between you and FinancialSoft that arises in whole or in part from the FinancialSoft Website shall be decided exclusively by a court of competent jurisdiction located in Sonoma County, State of California. These Terms of Service, together with the Privacy Notice at and any other legal notices published by FinancialSoft on the Website, shall constitute the entire agreement between you and FinancialSoft concerning the FinancialSoft Website. If any provision of these Terms of Service is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms of Service, which shall remain in full force and effect. No waiver of any term of this these Terms of Service shall be deemed a further or continuing waiver of such term or any other term, and FinancialSoft’s failure to assert any right or provision under these Terms of Service shall not constitute a waiver of such right or provision. FinancialSoft reserves the right to amend these Terms of Service at any time and without notice, and it is your responsibility to review these Terms of Service for any changes. Your use of the FinancialSoft Website following any amendment of these Terms of Service will signify your assent to and acceptance of its revised terms. YOU AND FINANCIALSOFT AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE FINANCIALSOFT WEBSITE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARR
15. Early Termination Fee
If you choose an annual subscription for any of the FinancialSoft plans or services and elect to terminate early, you will be charged the difference between the Monthly fee for the Monthly plan and the Monthly fee for the Annual plan plus a $50 handling fee.