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AdvisorEngine Terms of Use

Effective Date: August 25, 2020

Welcome to our website, which is operated by AdvisorEngine Inc. (“AdvisorEngine,” “the Company” “we,” “us” or “our”). These Terms of Use (this “Agreement” or “Terms”) are a binding contract between you (“Customer,” “you,” or “your”) and AdvisorEngine, and govern your use of any AdvisorEngine website(s), products, services and applications, including but not limited to our AdvisorEngine.com, Junxure.com, Kredible.com and our advisor search platform Wealthminder.com, (collectively the “Site”) that allows you to research, and in the case of Wealthminder claim and select potential financial advisors, use certain data and information tools, features, and services provided by AdvisorEngine and its agents, third-party vendors’ or licensors’ (“Third Party Service Providers”) on or through our platform (collectively, the “Services”).

For the avoidance of doubt, these Terms and the Privacy Policy may be accepted electronically, and it is the intention of all parties that such acceptance shall be deemed to be as valid as an original signature. In addition, and as set forth further below, if you choose to use certain Services on Site, you not only agree to these Terms, but also to the Terms of Service for any Third Party Service Providers.  If any term or condition of this Agreement or the Terms of Service for any Third Party Service Providers is unacceptable to you, please do not visit, access, or use the Site or Services.  

NOTICE: Nothing on this Site shall be considered a solicitation to buy or an offer to sell, or a recommendation for, a security, or any other product or service. This Site is not intended to provide any tax, legal, insurance or investment advice, and nothing on the Site should be construed as a recommendation, by us or any third party, to acquire or dispose of any investment or security, or to engage in any investment strategy or transaction. By using the Services, you acknowledge and agree that you are aware of, and assume, all risks associated with any selection of an investment or financial advisor. AdvisorEngine is not responsible or liable for any such risks or adverse outcomes.  In exchange for using the Service, you hereby agree not to hold the Company or its Third Party Service Providers liable for any possible claim for damages arising from any decision you make based on information made available to you through the Service or the Site. Your use of this Site may be monitored by AdvisorEngine for any purpose, without liability.

1) AGREEMENT CONDITIONS

AdvisorEngine may modify, suspend, discontinue or restrict the use and availability of any portion or all of this Site at any time, without notice or liability. 

AdvisorEngine reserves the right to, in its sole discretion, change, amend or modify the Terms at any time and any such modifications will be effective immediately upon posting.

You acknowledge and agree that AdvisorEngine may notify you of any changes by sending you an email notifying you of the changes, updating the “Effective Date” at the top of the Terms and/or by another means.  When relevant, by clicking an “Agree” button presented with the amended Terms or simply by continuing to access or use any of the Services after a revision to the Terms is posted, you confirm your agreement to the amended Terms.

Unless stated otherwise, any new features or enhancements to the Service shall be subject to this Agreement in addition to any terms that may be applicable. You are responsible for regularly reviewing this Agreement and any amendments or modifications hereto. If you do not agree to the amended terms, you must stop using the Service.  Continued use of the Service after any changes take effect will constitute your acceptance of such changes.

2) ELIGIBILITY

By registering for a Wealthminder Account (defined below), you represent and warrant that you (a) are at least 18 years of age or of legal age to form a binding contract under applicable law; (b) are an individual, legal person or other organization with full legal capacity and authority to enter into these Terms and/or claim any profile;  (c) have not previously been suspended or removed from using our Services and (d) are not located in, or a citizen or resident of, any OFAC restricted location, or where your use of the Services would be illegal or otherwise violate any applicable law. 

3) ACCOUNT REGISTRATION AND REQUIREMENTS 

a) Registration

When you register for the Service (“Registration”) and create an account (“Account”), we may ask you to give us certain identifying information, including non-public personal information (“Account Information”). You agree to provide true, accurate, current and complete information about yourself. You also agree not to impersonate any person or entity, misrepresent any affiliation with another person, entity or association, use false headers or otherwise conceal your identity from the Company for any purpose. You may not transfer your Account to anyone else without our prior written permission. We agree to treat with care your Account Information that you entrust to us, in accordance with our Privacy Policy.

The Company may offer you the opportunity to personalize the Service or your online experience. While certain personalization features can provide a more convenient way to access the data and features most relevant to you, be aware that “cookies” and other similar identification techniques are used to associate you with the computer or electronic device that you are using.  If you access the Service from a public location or if you otherwise share a computer or electronic device, some personalization features could reveal nonpublic personal information about you to others. You alone are responsible for deciding whether a particular personalization feature is appropriate for you and for any consequences that result from your decision.

For your protection and the protection of our other customers and Site users, you agree to maintain your Account Information (including passwords, user names, and screen names) in strict confidence and not to share Account Information with any third party, including, but not limited to colleagues, co-workers, advisors or agents. In the event that you share your Account Information with a third party, the Company will consider their activities to have been authorized by you. You are solely responsible for all transactions initiated, statements made, or acts or omissions that occur within the Service through the use of your Account. You agree that the Company is not liable for any damage or interruptions caused by any computer viruses, spyware, or other malware that may affect your computer or other equipment, or any phishing, spoofing, or other attack or otherwise. You agree to immediately notify the Company if you become aware of any loss or theft of your Account Information or any unauthorized use or acquisition of your access to the Service or any other breach of security. 

b) Identity Verification

When registering for an Account, you agree to provide current, accurate, and complete information for all required fields on the registration page, including as needed your full legal name, address, email address, phone number, taxpayer or government identification information or other proof of identity.  

You hereby authorize the Company, directly or through third parties, to make any inquiries we deem necessary to verify your identity, protect against fraud or other financial crime, and/or comply with our legal obligations under various anti-money laundering (“AML”) obligations, such as under the U.S. Bank Secrecy Act (“BSA”).  When we carry out these required inquiries, you acknowledge and agree that your personal information may be disclosed as required to certain fraud prevention or financial crime agencies and that these agencies may respond to our inquiries in full.  You further authorize the Company to take whatever action we deem required under applicable laws and reasonably necessary based upon such inquiries.

c) Account Usage

You are the only person authorized to use or access your Account.  By registering for an Account, you agree and represent that you will use the Services only for your own personal, non-commercial use, and not on behalf or for the benefit of any third party, unless you have obtained prior approval from the Company.  You further agree and represent that you will use the Services only in a manner that complies with all applicable laws. You are solely responsible for all activity that occurs under your Account or with your User ID, including any fraudulent activity.

4) PRIVACY

AdvisorEngine takes the privacy of its users seriously.  AdvisorEngine’s  Privacy and Cookies Policies provides a summary of its practices relating to the collection, sharing and use of covered personal information.  You represent and warrant that you have read the Privacy Policy and the Cookies Policy before providing any of your personal information to AdvisorEngine.

5) RIGHTS TO USE SERVICES  

a) Limited License

Subject to the terms and conditions of this Agreement and any Customer payment obligations, the Company hereby grants to Customer and Authorized Users (as defined below) a revocable, non-exclusive, non­sublicensable, non-transferable, limited license (“License”) during the Term of this Agreement to use the Services, Site and Software, as defined herein.  You shall have no right to receive, use or examine any source code or design documentation relating to the Services or Software except as provided specifically agreed in writing. The Software, or any portion thereof, may not be used by or on behalf of, accessed by, re-sold to, rented to, or distributed to any other party.  The license granted herein automatically terminates upon the Company’s suspension or termination of your Account or your ability to access or use the Services, or upon your cancellation of your Account.  All rights not expressly granted under these Terms are hereby reserved. Delivery of the Software and Services is conditioned upon completion of the Customer onboarding process as required.

b) Definitions 

  1. “Authorized Users” means those customers, agents and other authorized individuals identified by Customer as permitted to use the Software.
  2. "Software" means the source code, object code or underlying structure, ideas or algorithms of any software, documentation or data related to, provided with, or used to provide the Service or the commercial versions of software product/s, in object code form only (and accompanying documentation, if applicable), identified in this Agreement and any Statement of Work (“SOW”) or PO incorporated herein, including all enhancements thereto, and made available by the Customer to Customer and its Authorized Users as part of the Software.

c) Limitations On Rights Granted For Use Of Software; Third Party Software; Limited Location License.

Subject to the terms and conditions of this Agreement and your payment obligations, the Company hereby grants you the right to access and use the Software for the sole purposes of searching, discovering, analyzing, researching, and/or evaluating and claiming investment advisors profiles (the “Purpose”).  

Unless otherwise agreed in writing, you do not acquire under this Agreement any right or license to use the Software or any component or derivative thereof, in excess of the Purpose, scope and/or duration of the rights set forth herein.  If this license is not renewed or extended as provided herein, all rights to access and use the Software will terminate at the expiration of such Term.

Each user accessing the Software must be an Authorized User and must have access to only those functions for which the Company has granted specific user rights.  Use may occur by way of an interface delivered with or as a part of the Software by the Company, Customer or a third party approved by the Company. The license granted hereunder is limited to the number of Authorized Users  presented in the payment terms of the Purchase Form. Customer hereby represents and warrants that each such user will access and use the Software solely for the Purpose and for no other reason.

6) USE OF THE SERVICE; OWNERSHIP

The Services are proprietary to AdvisorEngine.  Any materials displayed or performed or available on or through the Services, including but not limited to, text, graphics, data, articles, photos, images, illustrations (all of the foregoing, the “Content”) are protected by copyright and/or other intellectual property laws.  You agree not modify, publish, transmit, participate in the transfer or sale of, reproduce, create derivative works based on, or otherwise exploit any of the Services. You acknowledge and agree that the Company transfers no ownership or intellectual property interest or title in and to the Content or the Services to you or anyone else in connection with your use of the Services. You acknowledge that the Service and the Software are protected by ownership and intellectual property rights of the Company or its Third Party Service Providers (as applicable).  Under no circumstances shall you be deemed to receive title to any portion of any Software or Service, title to which at all times shall vest exclusively in the Company or its Third Party Service Providers (as applicable). 

The Company may, in its sole discretion, remove any Content from the Services at any time, for any or no reason and without notice.

You represent and warrant that you will not use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, perform, upload, display, license, sell, commercialize or otherwise exploit for any purpose any Content not owned by you, without the prior consent of the owner of that Content, or in a way that violates the Company’s rights or the rights of any other third party. 

You shall not derive, disassemble or otherwise attempt to discover or derive the source code, source files, underlying ideas or algorithms or structure of all or any portion of the Software by any form of reverse engineering, disassembly, or decompilation. 

You may download material displayed on the Service or the Site for non-commercial, personal use. If you do so, you agree not to remove or alter any copyright and other proprietary notices contained on such materials. You may not use, distribute, modify, translate, or create derivative works or transmit, or post the content of Service or the Site for public or commercial purposes, including any text, images, audio, or video.

The following requirements apply to your use of the Service and the Site:

  1. You will not rent, lease, distribute, sell, resell, assign, or transfer rights to use the Software. 
  2. You will not publish or disclose to third parties any evaluation of the Software without the Company’s prior written consent. 
  3. You will not access, or attempt to access, any data, software, systems, networks or other property of  the Company or a Third Party Service Provider while accessing and using the Software.  
  4. You will not use the Service for any purpose that is unlawful, tortious, abusive, intrusive on another's privacy, harassing, libelous, defamatory, embarrassing, obscene, threatening or hateful.
  5. You will not post, reproduce or distribute any information, software or other material protected by copyright or any other intellectual property right (as well as rights of publicity and privacy) without first obtaining the permission of the owner of such rights.
  6. You will not collect or store personal data about other users.
  7. You will not use the Service or the Site for any commercial purpose not expressly approved by us or our Third Party Service Providers in writing. 
  8. You will not post, e-mail or otherwise transmit any material that contains viruses, worms, Trojan horses or any other contaminating or destructive features or any other computer code, files or programs which might interrupt, limit or interfere with the functionality of the Service, the Site, or any computer software, hardware or telecommunications equipment.
  9. Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Service or the Site.

A breach of this subsection shall constitute unauthorized use or use in excess of the authorized use of the Software and any third-party hosting service.

7) PROHIBITED USE

You are prohibited from accessing or using the Services, or registering for an Account, if you: (1) have been identified as a “Specially Designated National” by the Office of Foreign Assets Control;  (2) have been placed on the U.S. Commerce Department’s Denied Persons List;  or (3) are located in, under the control of, or a national, citizen or resident of any Restricted Locations, or any country to which the United States has embargoed goods or services.

You represent, warrant, and agree that you will not use or interact with the Services, including by contributing any Content or User Information (as those terms are defined herein), in a manner that: (1) Jeopardizes the security of your Account or any other user’s Account (such as allowing someone else to log in to the Services as you); (2) Violates the security of any computer network, including any attempts to hack users’ passwords or security encryption codes; (3) Runs Maillist, Listserv, any form of auto-responder or “spam” on the Services, or any processes that run or are activated while you are not logged into the Services, or that otherwise interfere with the proper working of the Services (including by placing an unreasonable load on the Services’ infrastructure); (4) “Crawls,” “scrapes,” or “spiders” any page, data, or portion of or relating to the Services or Content (through use of manual or automated means); (5) Copies or stores any significant portion of the Content; (6) Decompiles, reverse engineers, or otherwise attempts to obtain the source code or underlying information of or relating to the Services; or (7) Brings disrepute to, or otherwise harms the reputation of, the Company or any of its affiliates or Third Party Service Providers.

You are further prohibited from using the Services in any manner that is not expressly and unambiguously authorized by these Terms.

8) PERMITTED DATA USE; CUSTOMER CONTENT  

You hereby grant the Company and its Third Party Service Providers a non­exclusive, transferable, worldwide, royalty-free, sublicensable transferable, perpetual, irrevocable, non-exclusive, worldwide license to use, copy, modify, create derivative works of, display, perform, publish and distribute, in any form, medium or manner, any data that you provide for use in connection with the Service (including Account Information) for purposes of providing the Service, usage analytics, product development and other related purposes. Furthermore, the Company and its Third Party Service Providers shall have the right to compile, distribute, and otherwise exploit anonymized, aggregated data derived from your Account for their respective business purposes, including assessing the aggregate usage of the Service generally. You represent and warrant that: (i) you own the user information or have the right to grant the rights and licenses in these Terms, and (ii) the Company’s use of the user information as licensed herein does not and will not violate, misappropriate or infringe on the rights of any third party. 

You understand and agree that the Company, in performing the required technical steps to provide the Services to users (including you), may need to make changes to your User Information to conform and adapt that user information to the technical requirements of connection networks, devices, services, or media, and the foregoing licenses include the rights to do so.  The Company, at its sole discretion, may remove any user content from any of the Services at any time for any or no reason.

You hereby grant a non­exclusive, world-wide, royalty-free license to the Company and its Third Party Service Providers to reproduce, disclose, transmit, publish, broadcast, or post any communications or material of any kind that you post or otherwise transmit through the Service (your “Communications”) either on the Site or elsewhere with no liability or obligation to you.  You hereby grant permission to the Company and its Third Party Service Providers to use any ideas, concepts, know-how, or techniques contained in your Communications for any purpose including, but not limited to, developing and marketing products using such information.  The Company and its Third Party Service Providers, each of their respective affiliates and agents, are entitled, but not obligated, to review or retain your Communications. We and our Third Party Service Providers may monitor your Communications to evaluate the quality of service you receive, your compliance with this Agreement, the security of the Service, or for other reasons. You agree that these monitoring activities will not entitle you to any cause of action or other right with respect to the manner in which we or our Third Party Service Providers monitor your Communications and enforce or fail to enforce the terms of this Agreement or any other guideline, terms and conditions, or policies relating to the Service or the Site. In no event will we or our Third Party Service Providers be liable for any costs, damages, expenses or any other liabilities incurred by you as a result of any monitoring activities.

9) THIRD PARTY SERVICE PROVIDER SOFTWARE AND SERVICES; THIRD PARTY BENEFICIARIES

You acknowledge that, to the extent the Company licenses some or all of the Software or other components of the Service from Third Party Service Providers (with or without notice to you), (a) the Company may make available to you certain third party software or services (the use of which may require your acceptance of such third party’s license agreement or terms and conditions), which shall be deemed part of the Service; and (b) the Company shall not have any responsibility to update such third party software or services, but such Third Party Service Providers, may (without any obligation) make them available to the Company for use in connection with the Service.

You consent and authorize the Company to delegate the authorizations you provide to the Company to its Third Party Service Provider(s) as the Company deems necessary or desirable to provide the Service to you. You agree that the terms and conditions of this Agreement, including any of the other terms, conditions, warranty disclaimers and liability disclaimers incorporated into this Agreement, inure to the benefit of such Third Party Service Providers and such Third Party Service Providers are deemed to be third party beneficiaries of this Agreement, including any other terms, conditions, warranty disclaimers and liability disclaimers incorporated into this Agreement. You also agree that all references to “the Company” within this Agreement and any incorporated terms are also deemed to include, where applicable, the Company’s agents, vendors and licensors, including Third Party Service Providers. To protect the privacy and security of your Account Information, Third Party Service Providers will only be authorized to use or maintain your Account Information only in accordance with our Privacy Policy.

Furthermore, you acknowledge and agree that (1) you assume the risk of use of the Software; (2) you are responsible for selecting appropriate remediation for, and resolving, any issues found on your network or system that prevents the proper functioning of the Software; and (3) the Company is not liable for, or responsible to, remediate any issues found on your network or system that prevents the proper functioning of the Software.  

10) THIRD PARTY CONTENT

The Services may contain links, access or connections (“links”) to third party websites, applications, services or other materials (collectively “Third Party Content”) that are not affiliated, owned or controlled by the Company.  You accept and acknowledge the risks of accessing any Third Party Content, and that the Company has no control over and assumes no responsibility for and cannot monitor, verify, censor or edit any Third Party Content.  

The fact that we have provided a link to a site is not an endorsement, representation, authorization, sponsorship, or affiliation with respect to such site, its owners, or its providers. You expressly waive as against the Company, and the Company expressly disclaims, any liability, losses or damages arising from your use or access or as a result of any actions taken in reliance on any Third Party Content.  We encourage you to be aware when you leave the Services, and to read the terms and conditions and investigate the source of any Third Party Content that you visit or use.

a) Information; No Warranty

The Service may make available certain data, research, profiles, reports, records, analysis or other information (collectively, the “Information”) that has been independently obtained by certain information services, financial publishers, securities markets, regulators, government entities, associations, investment bankers and/or other providers or has been obtained by the Company or its Third Party Service Providers (collectively, the “Information Providers”).  Neither the Company nor our Third Party Service Providers guarantee or certify the accuracy, completeness, timeliness or correct sequencing of the Information made available to you by the Information Providers or any other third party transmitting the Information (the “Information Transmitters”). You understand that none of the Information available through the Service constitutes a tailored recommendation that you should select any particular financial advisor or investment without further analysis.  Neither the Company or nor Third Party Service Providers endorse or approve any of the Information and only make such Information available as a service and convenience you.  You will not redistribute or facilitate the redistribution of Information, nor will you provide access to Information to anyone who is not authorized by us or our Third Party Service Providers to receive Information. If you are a securities broker, dealer, banker, or investment advisor, you agree not to use Information provided by us or our Third Party Service Providers for any purpose related to your business other than for the Purpose of this Agreement.

All Information is provided on an “as-is” basis.  You agree that neither the Company, nor its Third Party Service Providers shall be liable in any way for the accuracy, completeness, timeliness or correct sequencing of the Information, or for any decision made or action taken by you relying upon the Information.  Neither the Company, nor its Third Party Service Providers, guarantee any future performance, nor any specific level of performance of any advisor nor the success of any selection or investment strategy.  

11) CONDUCT; COMPLIANCE WITH LAWS

You shall be solely responsible for actions and the actions of its Authorized Users while using the Software. You agree: (1) to abide by all local, state, national, and international laws and regulations applicable to Customer's use of the Software, including, if applicable and without limitation, intellectual property and privacy laws, including, without limiting the foregoing, the U.S. Computer Fraud and Abuse Act; (2) to take all necessary steps to avoid distributing malware, viruses, corrupted files, or any other software or programs that may damage the operation of the Software or another's computer or mobile device; (3) not to use the Software for illegal, fraudulent, harmful, unethical or inappropriate, deceptive, threatening, harassing, defamatory,  or otherwise objectionable purposes in the Company’s sole discretion; (4) not to use the Software to distribute, promote or transmit any unlawful, harassing, libelous, abusive, threatening, harmful, vulgar, obscene, pornographic, indecent, defamatory, hateful, racially, ethnically, unwanted or otherwise objectionable material of any kind or nature; (5) not to intentionally interfere with another customer's use and enjoyment of the Software or another person or entity's use and enjoyment of similar services; and (6) to comply with all regulations, policies and procedures of Third Party Service Providers. You acknowledge and agree that the Company is not liable for any use of the Software in your networks and systems that constitutes infringement of a third party’s intellectual property rights to the extent that such infringement would not occur outside your network or system.  

12) TERMINATION 

Effect of Termination 

The Company shall not be liable to Customer or any third party for suspension or termination of Customer’s access to, or right to use, the Software under this Agreement.  Upon the effective date of expiration or termination of this Agreement for any reason, whether by Customer or the Company, Customer's right to use the Software shall immediately cease and Customer and its Authorized Users’ access to the Software will terminate.  The terms of this Agreement shall survive its expiration or termination for any reason as described herein in the Survival section of this Agreement.  

13) DISCLAIMER OF WARRANTIES

The Company covenants, represents and warrants that: (a) access to the Software will be provided in compliance with applicable laws and regulations, including license and permit requirements; (b) it has authority to enter into this Agreement; and (c) it has the right to grant the rights granted herein, including appropriate written agreements with its employees, agents and subcontractors and Third Party providers, if any.  Customer covenants, represents and warrants that it will access and use the Software in strict adherence to the rights and limitations described herein and in compliance with all applicable law.  

None of the Company, its licensors, partners, suppliers or service providers make any representations or warranties concerning any Content or other material contained in or accessed through the Services, and we will not be responsible or liable for the accuracy, copyright compliance, legality, or decency of material contained in or accessed through the Services, including, without limitation, any Information for any assets. The Company will have no liability or responsibility for any permanent or temporary inability to access or use any Services.

As with all web sites, this Site may be vulnerable to hacking, viruses, worms or other malware that may interfere with your use and access to the Site or otherwise alter the Site content, including but not limited to making false investment recommendations. Such malware may also harm your computer and software used to access the Site. It is your responsibility to ensure you are using the most up-to-date virus protection software to protect your computer from malware.

THE SERVICE IS PROVIDED “AS-IS” AND “AS ­AVAILABLE”, WITH ALL FAULTS, AND WITHOUT WARRANTY OF ANY KIND. THE COMPANY, ITS THIRD PARTY SERVICE PROVIDERS AND EACH OF THEIR RESPECTIVE AFFILIATES (COLLECTIVELY, THE “DISCLAIMING PARTIES”) DISCLAIM ALL OTHER WARRANTIES, EXPRESS AND IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, QUALITY OF INFORMATION (INCLUDING, WITHOUT LIMITATION, THE ACCURACY, ADEQUACY OR COMPLETENESS OF ANY INFORMATION, PERFORMANCE AND FORWARD LOOKING ANALYTICS OR OTHER INFORMATION ABOUT YOU OR YOUR SELECTION MADE AVAILABLE THROUGH THE SERVICE), TITLE AND NON-INFRINGEMENT. THE DISCLAIMING PARTIES FURTHER DISCLAIM ANY WARRANTY REGARDING NONINTERRUPTION OF USE, DELAY, FREEDOM FROM BUGS, AND THAT USE OF THE SERVICE IS ERROR-FREE.  YOU EXPRESSLY AGREE AND ACKNOWLEDGE THAT ANY USE OF THE  SERVICE IS AT YOUR SOLE RISK.  NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY THE COMPANY OR ITS AUTHORIZED REPRESENTATIVES SHALL CREATE A WARRANTY OR IN ANY WAY INCREASE THE SCOPE OF THE COMPANY OR ITS THIRD PARTY SERVICE PROVIDERS’ OBLIGATIONS HEREUNDER. YOU ARE SOLELY RESPONSIBLE FOR COMPLIANCE WITH ALL APPLICABLE LAWS. THE SERVICE MAY BE USED TO ACCESS AND TRANSFER INFORMATION OVER THE INTERNET. YOU ACKNOWLEDGE AND AGREE THAT NONE OF THE DISCLAIMING PARTIES  OPERATE OR CONTROL THE INTERNET AND THAT (A) VIRUSES, WORMS, TROJAN HORSES, OR OTHER UNDESIRABLE DATA OR SOFTWARE OR (B) UNAUTHORIZED USERS (SUCH AS HACKERS) MAY ATTEMPT TO OBTAIN ACCESS TO YOUR COMPUTERS OR NETWORKS, AND DAMAGE THEM OR YOUR DATA OR OTHER ACCOUNT INFORMATION PROVIDED BY YOU. YOU ACKNOWLEDGE THAT INFORMATION YOU STORE OR TRANSFER THROUGH THE SERVICES MAY BECOME IRRETRIEVABLY LOST OR CORRUPTED OR TEMPORARILY UNAVAILABLE DUE TO A VARIETY OF CAUSES, INCLUDING SOFTWARE FAILURES, PROTOCOL CHANGES BY THIRD PARTY PROVIDERS, INTERNET OUTAGES, FORCE MAJEURE EVENT OR OTHER DISASTERS INCLUDING THIRD PARTY ATTACKS, SCHEDULED OR UNSCHEDULED MAINTENANCE OR OTHER CAUSES EITHER WITHIN OR OUTSIDE OUR CONTROL. YOU ARE SOLELY RESPONSIBLE FOR BACKING UP AND MAINTAINING DUPLICATE COPIES OF ANY INFORMATION YOU STORE OR TRANSFER THROUGH THE SERVICES. THE DISCLAIMING PARTIES SHALL IN NO WAY BEAR ANY RESPONSIBILITY OR LIABILITY FOR ANY SUCH ACTIVITIES.

14) INDEMNIFICATION, RELEASE AND LIMITATION OF LIABILITY

YOU AGREE TO INDEMNIFY AND HOLD THE COMPANY, ITS THIRD PARTY SERVICE PROVIDERS AND THEIR RESPECTIVE AFFILIATES, DIRECTORS, OFFICERS, AGENTS, AND EMPLOYEES HARMLESS FROM ANY CLAIM, DEMAND, LOSS, COSTS OR EXPENSE (INCLUDING ATTORNEYS' FEES) ARISING OUT OF OR RELATING TO YOUR ACCESS OR USE OF THE SERVICE OR THE SITE; INCLUDING, BUT NOT LIMITED TO, YOUR VIOLATION OF THIS AGREEMENT, STATE OR FEDERAL SECURITIES OR OTHERS LAWS OR REGULATIONS, OR ANY OTHER PERSON'S RIGHTS, INCLUDING, BUT NOT LIMITED TO, INFRINGEMENT OF ANY COPYRIGHT OR VIOLATION OF ANY INTELLECTUAL PROPERTY, PROPRIETARY OR PRIVACY RIGHT.  IF YOU ARE OBLIGATED TO INDEMNIFY ADVISORENGINE OR ANY OF THE INDEMNIFIED PARTIES IDENTIFIED ABOVE, ADVISORENGINE (OR, AT ADVISORENGINE’S DISCRETION, THE APPLICABLE INDEMNIFIED PARTY) WILL HAVE THE RIGHT, IN ITS SOLE DISCRETION, TO CONTROL ANY ACTION OR PROCEEDING AND TO DETERMINE WHETHER ADVISORENGINE WISHES TO SETTLE, AND IF SO, ON WHAT TERMS.

IN NO EVENT SHALL ANY DISCLAIMING PARTY BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, INCOME, GOODWILL, BUSINESS, USE, DATA OR ANY INFORMATION (INCLUDING YOUR PERSONAL DATA, ACCOUNT INFORMATION OR DOCUMENTATION), OR OTHER INTANGIBLE LOSSES, OR DAMAGES CAUSED BY THEFT, UNAUTHORIZED ACCESS, SYSTEMS FAILURE, OR COMMUNICATIONS LINE FAILURE, OR THE COST OF PROCURING SUBSTITUTE GOODS OR SERVICES, CAUSED BY THE USE OF OR INABILITY TO USE THE SERVICE, THE SITE, MATERIALS OR ANY PRODUCTS PROVIDED HEREIN, OR ANY OTHER MATTER RELATING TO THIS AGREEMENT OR THE SUBJECT MATTER HEREOF, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, HOWEVER CAUSED.  TO THE EXTENT THAT A JURISDICTION DOES NOT PERMIT THE EXCLUSION OR LIMITATION OF LIABILITY AS SET FORTH HEREIN, THE LIABILITY OF THE DISCLAIMING PARTIES IS LIMITED TO THE EXTENT PERMITTED BY LAW IN SUCH JURISDICTIONS.  YOUR SOLE AND EXCLUSIVE REMEDY UNDER THIS AGREEMENT SHALL BE FOR YOU TO DISCONTINUE YOUR USE OF THE SERVICE AND THE SITE.

If you are a California resident, you waive California Civil Code Section 1542, which states:

“A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTIVE THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY HIS OR HER SETTLEMENT WITH THE DEBTOR.”

If you are a resident of another jurisdiction, you waive any comparable statute or doctrine.

15) LIMITATION OF LIABILITY

TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, IN NO EVENT AND UNDER NO LEGAL THEORY (INCLUDING, WITHOUT LIMITATION, TORT, CONTRACT, STRICT LIABILITY, OR OTHERWISE) SHALL ADVISORENGINE, ITS LICENSORS, SUPPLIERS, AFFILIATES AND SERVICE PROVIDERS, OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, AGENTS, JOINT VENTURERS, EMPLOYEES OR REPRESENTATIVES BE LIABLE TO YOU OR TO ANY OTHER PERSON FOR (A) ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL OR SIMILAR DAMAGES, INCLUDING DAMAGES FOR LOST PROFITS, LOSS OF GOODWILL, LOSS OF DATA, WORK STOPPAGE, ACCURACY OF RESULTS, OR COMPUTER FAILURE OR MALFUNCTION ARISING OUT OF OR RELATED TO THE TERMS, YOUR USE OR ATTEMPTED USE OF WEALTHMINDER, ANY OF THE SERVICES (AS DEFINED ABOVE), OR ANY OF THE OTHER INFORMATION, SERVICES OR TRANSACTIONS CONTEMPLATED BY THESE TERMS, OR (B) ANY AMOUNT, IN THE AGGREGATE, IN EXCESS OF THE FEES PAID BY YOU TO THE COMPANY IN CONNECTION WITH THE SERVICES IN THE SIX (6) MONTH PERIOD PRECEDING THE APPLICABLE CLAIM. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO THE ABOVE LIMITATION AND EXCLUSIONS MAY NOT APPLY TO YOU.

16) MODIFICATIONS, SUSPENSION AND TERMINATIONS OF THE SERVICE

The Company and its Third Party Service Providers reserve the right to modify or discontinue, temporarily or permanently, the Site or the Service (or any part thereof) with or without notice. You agree that neither the Company nor its Third Party Service Providers will be liable to you or to any third party for any modification, suspension or discontinuance of the Service or the Site. The license granted hereunder will terminate if we or our Third Party Service Providers believe that any information provided by you, including your email address, is no longer current or accurate, or if you fail to otherwise comply with any term or condition of this Agreement or any other guideline, terms and conditions, or policies relating to the Service or the Site. Upon such violation, you agree to terminate access to the Service.

Furthermore, the Company or its Third Party Service Providers may, in their sole discretion, suspend your access to and use of the Service or reject or remove from the Service any of your Data, Account Information or any other information provided by you to (a) prevent damages to, or degradation of, the Service or the Site; (b) comply with any law, regulation, court order, or other governmental request; or (c) otherwise protect us or our Third Party Service Providers from potential legal liability.  

You may close your Account or cease using the Services at any time.  To close your Account, you must contact us at support@advisorengine.com. Account termination may result in destruction of any Content or User Information associated with your  Account.

17) NOTICES, COMMUNICATIONS, AND ELECTRONIC SIGNATURES 

All trademarks, service marks and logos appearing on this Site are the exclusive property of AdvisorEngine or their respective owners.

You agree to accept all communications from us regarding use of the Service at the addresses you provide during Registration. It is your responsibility to provide the Company with your accurate email address, your contract information and/or mobile phone number, and to update such information with the Company. Please promptly update any changes to your Account Information. The Company and its Third Party Service Providers are entitled to rely on the email address, mobile phone number and U.S. mail address that you last provided, for purposes of communication and providing information relating to the Company or its Third Party Service Providers’ products and services. 

If the Company sends you an electronic communication but you do not receive it because your contact information on file is incorrect, or you are otherwise unable to receive electronic communications, the Company will be deemed to have provided the communication to you. All communications from the Company in electronic format will be deemed to be “in writing,” and to have been received within twenty-four (24) hours after posting or dissemination. You agree to waive all claims resulting from failure to receive communications because of changes in your email, mobile phone number  or U.S. mail address.  You can opt out of receiving marketing information from us or our Third Party Service Providers by following the instructions in any email sent to you by such party.

You agree to be bound by any affirmation, assent, or agreement you transmit through the Service, including but not limited to, any consent you give to receive communications from us or our Third Party Service Providers solely through electronic transmission. You agree that, when in the future you click on an "I agree," "I consent" or other similarly worded "button" or entry field with your mouse, keystroke or other device, or sign your name electronically on a touchscreen device, your agreement or consent will be legally binding and enforceable and the legal equivalent of your handwritten signature.

18) GENERAL PROVISIONS

a) Relationship of the Parties

Nothing in these Terms shall be deemed to create or constitute, imply, give effect to or otherwise recognize a partnership, employment, joint venture, or formal business relationship of any kind.  Neither the Company nor its licensors or Third Party Service Providers are providing financial advice, legal advice, or other professional advice by allowing you to use the Services.  

b) No Publicity  

Nothing in this Agreement gives either party a right to use publicly the other party’s name, trademark(s), trade name(s) or refer to the existence or terms of this Agreement directly or indirectly without the other party’s prior written consent. The parties acknowledge and agree that prior consents given by either party prior to the Effective Date are and will remain valid.

c) Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of New York without reference to its choice of law rules.  Any legal suit, action or proceeding arising out of or relating to this Agreement shall be commenced in a federal court in the Southern District of New York or in state court in the County of New York, New York, and each party hereto irrevocably submits to the exclusive jurisdiction and venue of any such court in any such suit, action or proceeding.  If any part of this Agreement is held to be invalid, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions hereof.

d) Entire Agreement

This Agreement shall inure to the benefit of each party’s successors and permitted assigns.  This Agreement, together with all addenda, schedules, exhibits and Privacy and Cookies Policies constitutes the entire agreement between the parties and supersedes all prior or contemporaneous written and oral agreements and understandings between the parties relating to the subject matter hereof.  

e) Survival

All provisions of these Terms which by their nature extend beyond the expiration or termination of these Terms shall survive termination of your Account.  By way of example, all of the following will survive termination: any obligation you have to pay us or indemnify us, any limitations on our liability, any terms regarding ownership or intellectual property rights, and terms regarding disputes between us.

f) No Waiver

The failure of either you or us to exercise, in any way, any right herein shall not be deemed a waiver of any further rights hereunder.

g) Assignment

You may not assign, delegate or transfer these Terms or your rights or obligations hereunder, or your Account, in any way (by operation of law or otherwise) without the Company’s prior written consent. We may transfer, assign, or delegate these Terms and our rights and obligations without consent, including as part of a change of control or other corporate combination or transaction.

You acknowledge and agree that any of the Company’s officers, directors, employees and independent contractors (“Personnel”) are third party beneficiaries of these Terms, and that upon your acceptance of these Terms, Personnel will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as the third party beneficiary hereof.

h) Headings

The section headings in these Terms are for convenience only and shall not govern the meaning or interpretation of any provision of these Terms.

19) Severability

If any provision of these Terms shall be determined to be unenforceable or invalid under any rule, law or regulation of any local, state or federal government, such provision will be limited, changed or eliminated only to the minimum extent necessary to accomplish the objectives of the provision to the greatest extent possible under applicable law and these Terms shall otherwise remain valid, in full force, and enforceable.

20) Force Majeure

The Company shall not be liable for delays, failure in performance or interruption of any of the Services which result directly or indirectly from any abnormal or unforeseeable circumstance, cause or condition beyond our reasonable control, including but not limited to, significant market volatility, any delay or failure due to any act of God, act of civil or military authorities, act of terrorists, civil disturbance, war, pandemic, strike or other labor dispute, fire, interruption in telecommunications or Internet services or network provider services, failure of equipment and/or software, other catastrophe or any other occurrence which is beyond our reasonable control and shall not affect the validity and enforceability of any remaining provisions.

20) Contact

If you have any questions, comments, or concerns regarding these Terms or the Services, please contact our Customer Support team at  support@advisorengine.com.