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<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="utf-8">
<title>FlexScore - Terms Of Use
</title>
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<div class="articleContent"><h1>Terms Of Use</h1>
<br>
<p>Date: April 23, 2013</p>
<br>
<p>
The following terms and conditions (the “Agreement”) govern use of the <a href="https://www.flexscore.com" >www.FlexScore.com</a> website (the “Site”) and the services available on or at the Site (taken together with the Site, the “Service”). The Service is owned and operated by FlexScore, Inc. The Service is offered subject to your (the “User”) acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies and procedures that may be published from time to time on the Site by FlexScore. BY USING OR ACCESSING ANY PART OF THE SERVICE, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS CONTAINED HEREIN; IF YOU DO NOT AGREE, DO NOT USE OR ACCESS THE SERVICE.
</p>
<p>
FlexScore reserves the right, at its sole discretion, to modify or replace any of the terms or conditions of this Agreement at any time. If FlexScore does so, it will post a notice on the Site. User’s continued use of the Service following the posting of any changes to this Agreement constitutes acceptance of those changes.
</p>
<p>
Certain products, services or features of the Service may be subject to additional or different terms and conditions. In such case - User will be notified of the additional/different terms and condition in advance – and have an opportunity to accept or reject such terms and conditions. User’s rejection may result in User being prohibited from access the products, services or features at issue.
</p>
<p>
Financial Consultants (as defined in <a href="javascript:$.scrollTo( $('#section6Land'), 800, {'axis':'y'} );">Section 7</a>) that register to offer products and services via the Service shall be subject to FlexScore’s <u>Financial Consultant Terms & Conditions</u>.
</p>
<h3>Contents</h3>
<div class="hidden-phone">
<div>
<a href="javascript:$.scrollTo( $('#section1Land'), 800, {'axis':'y'} );">1. Access</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section2Land'), 800, {'axis':'y'} );">2. Scope Of Engagement</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section3Land'), 800, {'axis':'y'} );">3. Privacy</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section4Land'), 800, {'axis':'y'} );">4. Registered Investment Advisor</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section5Land'), 800, {'axis':'y'} );">5. Account Information</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section6Land'), 800, {'axis':'y'} );">6. Third Party Financial Consultants</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section7Land'), 800, {'axis':'y'} );">7. Registration</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section8Land'), 800, {'axis':'y'} );">8. Content</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section9Land'), 800, {'axis':'y'} );">9. Restrictions</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section10Land'), 800, {'axis':'y'} );">10. Third Party Products And Services</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section11Land'), 800, {'axis':'y'} );">11. No Legal Or Tax Advice</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section12Land'), 800, {'axis':'y'} );">12. Indemnification</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section13Land'), 800, {'axis':'y'} );">13. Warranty Disclaimer</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section14Land'), 800, {'axis':'y'} );">14. Limitations Of Liability</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section15Land'), 800, {'axis':'y'} );">15. Fees And Payment</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section16Land'), 800, {'axis':'y'} );">16. Termination</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section17Land'), 800, {'axis':'y'} );">17. Disputes With Financial Consultants And Other Members</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section18Land'), 800, {'axis':'y'} );">18. Copyright</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section19Land'), 800, {'axis':'y'} );">19. Electronic Communications</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section20Land'), 800, {'axis':'y'} );">20. Assignment</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section21Land'), 800, {'axis':'y'} );">21. Miscellaneous</a>
</div>
</div>
<div class="visible-phone">
<div>
<a href="javascript:$.scrollTo( $('#section1LandMobile'), 800, {'axis':'y'} );">1. Access</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section2LandMobile'), 800, {'axis':'y'} );">2. Scope Of Engagement</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section3LandMobile'), 800, {'axis':'y'} );">3. Privacy</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section4LandMobile'), 800, {'axis':'y'} );">4. Registered Investment Advisor</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section5LandMobile'), 800, {'axis':'y'} );">5. Account Information</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section6LandMobile'), 800, {'axis':'y'} );">6. Third Party Financial Consultants</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section7LandMobile'), 800, {'axis':'y'} );">7. Registration</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section8LandMobile'), 800, {'axis':'y'} );">8. Content</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section9LandMobile'), 800, {'axis':'y'} );">9. Restrictions</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section10LandMobile'), 800, {'axis':'y'} );">10. Third Party Products And Services</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section11LandMobile'), 800, {'axis':'y'} );">11. No Legal Or Tax Advice</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section12LandMobile'), 800, {'axis':'y'} );">12. Indemnification</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section13LandMobile'), 800, {'axis':'y'} );">13. Warranty Disclaimer</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section14LandMobile'), 800, {'axis':'y'} );">14. Limitations Of Liability</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section15LandMobile'), 800, {'axis':'y'} );">15. Fees And Payment</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section16LandMobile'), 800, {'axis':'y'} );">16. Termination</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section17LandMobile'), 800, {'axis':'y'} );">17. Disputes With Financial Consultants <br> And Other Members</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section18LandMobile'), 800, {'axis':'y'} );">18. Copyright</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section19LandMobile'), 800, {'axis':'y'} );">19. Electronic Communications</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section20LandMobile'), 800, {'axis':'y'} );">20. Assignment</a>
</div>
<div>
<a href="javascript:$.scrollTo( $('#section21LandMobile'), 800, {'axis':'y'} );">21. Miscellaneous</a>
</div>
</div>
<br>
<div id="section1" style="position:relative">
<div class="clearOnly" id="section1Land" style="top:-80px;position:absolute">
<a href="#section1Land"></a>
</div>
<div class="clearOnly" id="section1LandMobile" style="top:-50px;position:absolute">
<a href="#section1LandMobile"></a>
</div>
<h3>1. Access</h3>
<p>
Subject to the terms and conditions of this Agreement, the services provided in connection with the Service are solely for User’s own personal, non-commercial use. FlexScore may change, suspend or discontinue the Service at any time, including the availability of any feature, database, or content. FlexScore may also impose limits on certain features and services or restrict User’s access to parts or all of the Services without notice or liability. FlexScore reserves the right, at its discretion, to modify this Agreement at any time by posting a notice on the Site, or by sending User a notice via email or postal mail. User shall be responsible for reviewing and becoming familiar with any such modifications. Use of the Service by User following such notification constitutes User’s acceptance of the terms and conditions of this Agreement as modified.
</p>
<p>
The Service is available only to individuals who are at least 16 years old. You represent and warranty that if you are an individual, you are (i) at least 18 years old or (ii) if you are between the ages of 16 and 18, you have parental permission to enter into this Agreement and to use the Service. User also certifies that User takes full responsibility for the selection and use of the the Service.
</p>
<p>
This Agreement is void where prohibited by law, and the right to access the Service is revoked in such jurisdictions.
</p>
</div>
<div id="section2" style="position:relative">
<div class="clearOnly" id="section2Land" style="top:-80px;position:absolute">
<a href="#section2Land"></a>
</div>
<div class="clearOnly" id="section2LandMobile" style="top:-50px;position:absolute">
<a href="#section2LandMobile"></a>
</div>
<h3>2. Scope Of Engagement</h3>
<p>
FlexScore, on a non-discretionary basis, provides personalized investment recommendations based upon information retained by the user through FlexScore’s online service. User is responsible for entering details about their finances and goals and then sees their “FlexScore” and recommended steps to improve the score. FlexScore generates customized steps to assist client to their financial goals. The score is based on their current financial situation, existing resources, financial goals, and tolerance for risk provided by the user.
</p>
<p>
A User’s “FlexScore” is generated by data that is inputted by the user. Therefore, FlexScore cannot be liable for inaccurate information inputted by users. FlexScore does not guarantee the suitability of recommendations given. User is responsible for User’s own investment decisions. FlexScore recommends that all users consult their lawyer, accountant, or personal financial advisor prior to investing. FlexScore does not guarantee future results or the promise of profits if user chooses to act on our recommendations.
</p>
<p>
User’s assets shall be held by User or an independent custodian designated by User, not FlexScore. FlexScore shall never have custody of User’s assets.
</p>
</div>
<div id="section3" style="position:relative">
<div class="clearOnly" id="section3Land" style="top:-80px;position:absolute">
<a href="#section3Land"></a>
</div>
<div class="clearOnly" id="section3LandMobile" style="top:-50px;position:absolute">
<a href="#section3LandMobile"></a>
</div>
<h3>3. Privacy </h3>
<p>
FlexScore takes privacy and data security related matters very seriously. For information about FlexScore’s privacy and data protection practices, please the <a href="./privacy" target="_blank">FlexScore Privacy and Data Protection Policy</a>, which is hereby incorporated into this Agreement. This policy explains how FlexScore treats User’s personal information and financial data when User accesses the Site and use the Service. The policy may be updated from time to time at FlexScore’s discretion. Changes will be effective upon posting to the Site.
</p>
</div>
<div id="section4" style="position:relative">
<div class="clearOnly" id="section4Land" style="top:-80px;position:absolute">
<a href="#section4Land"></a>
</div>
<div class="clearOnly" id="section4LandMobile" style="top:-50px;position:absolute">
<a href="#section4LandMobile"></a>
</div>
<h3 style="white-space:nowrap">4. Registered Investment Advisor</h3>
<p>
FlexScore is a registered investment advisor that is registered with the Securities and Exchange Commission and located in San Francisco, CA. FlexScore and its representatives are in compliance with the current registration requirements imposed upon investment advisers by those states in which we maintain clients. FlexScore may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Important information describing FlexScore’s business operations, services, and fees can be viewed on the SEC's website at www.adviserinfo.sec.gov. FlexScore will provide <a href="./ui/content/FormADV.pdf" target="_blank">Form ADV Part 2</a>, which serves as the firm's disclosure document, to all clients. Copies of the Form ADV Part 2 are also available <a href="./ui/content/FormADV.pdf" target="_blank">here</a>.
</p>
<p>
The Service is published in the United States for residents of the United States. FlexScore is not soliciting business in international jurisdictions where it is not registered.
</p>
<p>
Past performance may not be indicative of future results. Therefore, no current or prospective user should assume that future performance of any specific investment or investment strategy (including the investments and/or investment strategies recommended or undertaken by FlexScore) made reference to directly or indirectly by FlexScore on the Site, or indirectly via a link to an unaffiliated third party web site, will be profitable or equal the corresponding indicated performance level(s).
</p>
</div>
<div id="section5" style="position:relative">
<div class="clearOnly" id="section5Land" style="top:-80px;position:absolute">
<a href="#section5Land"></a>
</div>
<div class="clearOnly" id="section5LandMobile" style="top:-50px;position:absolute">
<a href="#section5LandMobile"></a>
</div>
<h3>5. Account Information</h3>
<p>
Different types of investments and/or investment strategies involve varying levels of risk, and there can be no assurance that any specific investment or investment strategy (including investment strategies detailed on the Site by FlexScore) will be either suitable or profitable for a client's or prospective client's portfolio and may result in a loss of principal.
</p>
<p>
Registered Users may direct FlexScore to retrieve their own information maintained online by third-party financial institutions with which they have customer relationships, maintain accounts or engage in financial transactions (“Account Information”). FlexScore works with one or more online financial service providers to access this Account Information. FlexScore makes no effort to review the Account Information for any purpose, including but not limited to completeness or accuracy. By directing FlexScore to retrieve Account Information, User is appointing FlexScore its authorized agent for such purposes.
</p>
<p>
FlexScore cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain Account Information. FlexScore does not assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any Account Information. For example, when displayed through the Service, Account Information is only as fresh as the time indicated, which reflects when the information is obtained from such third party websites. Such information may be more up-to-date when obtained directly from the relevant websites.
</p>
</div>
<div id="section6" style="position:relative">
<div class="clearOnly" id="section6Land" style="top:-80px;position:absolute">
<a href="#section6Land"></a>
</div>
<div class="clearOnly" id="section6LandMobile" style="top:-50px;position:absolute">
<a href="#section6LandMobile"></a>
</div>
<div class="visible-phone">
<h3 style="line-height:20px;padding-top:10px">6. Third Party Financial</h3>
<h3 style="line-height:20px;padding-bottom:10px;white-space:nowrap;padding-left:20px">Consultants</h3>
</div>
<div class="hidden-phone">
<h3>6. Third Party Financial Consultants</h3>
</div>
<p>
The Service provides a platform connecting users with third party financial consultants (“Financial Consultants”). Financial Consultants are not under FlexScore’s control and FlexScore does not does not make any representation, warranties or guarantees with respect to the Financial Consultants or their products or services. FlexScore does not verify or certify the credentials, licenses, certification or other information submitted by the Financial Consultants. FlexScore is not directly involved in any actual transactions between User and any Financial Consultants and is not the agent of, and has no authority for, either for any purpose. Any contract or other agreement User enters with a Financial Consultant is between User and the Financial Consultant – FlexScore is not a party. User engages Financial Consultants at User’s own risk.
</p>
<p>
CERTAIN SERVICE FEATURES MAY ALLOW USER TO GRANT FINANCIAL CONSULTANT(S) WITH ACCESS TO, AND CERTAIN USE OF, USER’S FLEXSCORE ACCOUNT. BY ENABLING SUCH FEATURES, USER IS GRANTING FLEXSCORE THE AUTHORIZATION TO GRANT SUCH ACCESS/USE RIGHTS.
</p>
</div>
<div id="section7" style="position:relative">
<div class="clearOnly" id="section7Land" style="top:-80px;position:absolute">
<a href="#section7Land"></a>
</div>
<div class="clearOnly" id="section7LandMobile" style="top:-50px;position:absolute">
<a href="#section7LandMobile"></a>
</div>
<h3>7. Registration</h3>
<p>
As a condition to using Services, User may be required to register for a FlexScore account and select a password and screen name (User ID). Your screen name cannot be changed, so please select one carefully. User shall provide FlexScore with accurate, complete, and updated registration information. Failure to do so shall constitute a breach of this Agreement, which may result in immediate termination of User’s account. User must ensure that User’s account with FlexScore contains (at all times) a valid email address. In addition, User shall not (i) select or use as a User ID a name of another person with the intent to impersonate that person; (ii) use as a User ID a name subject to any rights of a person other than User without appropriate authorization; or (iii) use as a User ID a name that is otherwise offensive, vulgar or obscene. FlexScore reserves the right to refuse registration of, or cancel a User ID in its sole discretion. User are solely responsible for activity that occurs on User’s account and shall be responsible for maintaining the confidentiality of User’s account password. User shall never use another user’s account without such other user’s express permission. User will immediately notify FlexScore in writing of any unauthorized use of User’s account, or other account related security breach of which User is aware.
</p>
<p>
User shall only have one (1) account with the Service (which, for clarity, means that User will not register (or attempt to register) for more than one (1) account).
</p>
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<h3>8. Content</h3>
<p>
User agrees that all content (e.g. text, forum postings, and video) and materials (collectively, “Content”) delivered via the Service or otherwise made available by FlexScore at the Site are protected by copyrights, trademarks, service marks, patents, trade secrets or other proprietary rights and laws. Except as expressly authorized by FlexScore in writing, User agrees not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit or create derivative works from such materials or content. However, User may print or download a reasonable number of copies of the materials or content at this Site for User’s own personal, informational, non-commercial purposes; provided, that User retain all copyright and other proprietary notices contained therein. Reproducing, copying or distributing any content, materials or design elements on the Site for any other purpose is strictly prohibited without the express prior written permission of FlexScore.
</p>
<div style="margin:0 0 10px">
The Service may provide User with the ability to publicly: upload, submit, disclose, distribute or otherwise post (hereafter, “posting”) content (including, without limitation, comments, information, data, and images) to the Service (“User Submissions”). By posting User Submissions on or at the Site or otherwise through the Service, User:
<br>
<ul>
<li>
grants to FlexScore, its affiliates and their assignees, and the parties to whom the content addressed, a perpetual, irrevocable, non-exclusive, sublicensable, royalty-free right to use, reproduce, display, perform, adapt, modify, distribute, make derivative works of and otherwise exploit such User Submissions in any form and for any purpose;
</li>
<li>
represents and warrants that User owns or otherwise controls all rights to such User Submissions and that disclosure and use of such User Submissions by Company (including without limitation, publishing content on or at the Site) will not infringe or violate the rights of any third party; and
</li>
<li>
acknowledges that such User Submissions may not be treated confidentially.
</li>
</ul>
</div>
<p>
User shall not to provide FlexScore with any confidential or proprietary information that User desires or is required to keep secret. User is solely responsible for the User Submissions User posts on or through the Service. FlexScore does not endorse and has no control over any User Submission.
</p>
<p>
FlexScore has no obligation to monitor the Site, Service, Content, or User Submissions. FlexScore may remove any User Submission at any time for any reason (including, but not limited to, upon receipt of claims or allegations from third parties or authorities relating to such User Submission), or for no reason at all.
</p>
<p>
Any rights not expressly granted herein are reserved.
</p>
</div>
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<h3>9. Restrictions</h3>
<p>
User shall not use any “deep-link”, “page-scrape”, “robot”, “spider” or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Service or any Content, or in any way reproduce or circumvent the navigational structure or presentation of the Service or any Content, to obtain or attempt to obtain any materials, documents or information through any means not purposely made available through the Service. FlexScore reserves the right to bar any such activity.
</p>
<p>
User shall not attempt to gain unauthorized access to any portion or feature of the Service, or any other systems or networks connected to the Service or to any FlexScore server, or to any of the services offered on or through the Service, by hacking, password “mining”, or any other illegitimate means.
</p>
<p>
User shall not probe, scan or test the vulnerability of the Service or any network connected to the Service, nor breach the security or authentication measures on the Service or any network connected to the Service. User shall not reverse look-up, trace or seek to trace any information on any other user of or visitor to the Service, or any other customer of FlexScore, including any FlexScore account not owned by User, to its source, or exploit the Service or any service or information made available or offered by or through the Service, in any way where the purpose is to reveal any information, including but not limited to personal identification or information, other than User’s own information, as provided for by the Service.
</p>
<p>
User shall not take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Service or FlexScore’s systems or networks, or any systems or networks connected to the Service or to FlexScore.
</p>
<p>
User shall not use any device, software or routine to interfere or attempt to interfere with the proper working of the Service or any transaction being conducted on the Service, or with any other person’s use of the Service.
</p>
<p>
User shall not forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal User sends to FlexScore on or through the Service. User shall not, in connection with the Service, pretend (e.g. through impersonation) that User is any other individual or entity.
</p>
<p>
User shall not use the Service or any Content or any User Submission for any purpose that is unlawful or prohibited by this Agreement, or which infringes the rights of FlexScore or others.
</p>
</div>
<div id="section10" style="position:relative">
<div class="clearOnly" id="section10Land" style="top:-80px;position:absolute">
<a href="#section10Land"></a>
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<a href="#section10LandMobile"></a>
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<div class="hidden-phone">
<h3>10. Third Party Products And Services</h3>
</div>
<div class="visible-phone">
<h3 style="line-height:20px;padding-top:10px">6. Third Party Products And</h3>
<h3 style="line-height:20px;padding-bottom:10px;white-space:nowrap;padding-left:20px">Services</h3>
</div>
<p>
Some parts of the Service are supported by sponsored links from advertisers and display offers for third party products or services (“Offers”). Offers may be custom matched to User based on information stored in the Service, queries made through the Service, or other information. FlexScore will always disclose when a particular Offer is sponsored by a third party. </p>
<p>
In connection with Offers, the Service will provide links to other web sites belonging to advertisers and other third parties. FlexScore does not endorse, warrant or guarantee the products or services available through the Offers (or any other third-party products or services advertised on or linked from the Site), whether or not sponsored, and FlexScore is not an agent or broker or otherwise responsible for the activities or policies of those web sites. FlexScore does not guarantee that the loan, investment, plan or other service terms, rates or rewards offered by any particular advertiser or other third party on the Site are actually the terms that may be offered to User if User pursues the offer or that they are the best terms or lowest rates available in the market.
</p>
</div>
<div id="section11" style="position:relative">
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<h3>11. No Legal Or Tax Advice</h3>
<p>
Neither FlexScore nor the Service renders any tax or legal advice. Before making any financial or investment decisions, we strongly recommend that you contact a tax or legal professional.
</p>
</div>
<div id="section12" style="position:relative">
<div class="clearOnly" id="section12Land" style="top:-80px;position:absolute">
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<a href="#section12LandMobile"></a>
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<h3>12. Indemnification</h3>
<p>
User is responsible for all of its activity in connection with the Service. User shall defend, indemnify, and hold harmless FlexScore and each of its employees, contractors, directors, suppliers and representatives from all liabilities, claims, and expenses, including reasonable attorneys' fees, that arise from User’s (i) use or misuse of the Service; (ii) access to any part of the Service, (iii) use or access to any third party products or service or content, (iv) User Submissions, (v) engagement of, or dealings or transactions with, any Financial Consultant, or (vi) violation of this Agreement.
</p>
</div>
<div id="section13" style="position:relative">
<div class="clearOnly" id="section13Land" style="top:-80px;position:absolute">
<a href="#section13Land"></a>
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<div class="clearOnly" id="section13LandMobile" style="top:-50px;position:absolute">
<a href="#section13LandMobile"></a>
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<h3>13. Warranty Disclaimer</h3>
<p>
THE SERVICE (INCLUDING, WITHOUT LIMITATION, THE SITE AND ANY SOFTWARE) IS PROVIDED ON AN "AS IS" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. FLEXSCORE MAKES NO WARRANTY THAT (I) THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR (II) THE RESULTS OF USING THE SERVICE WILL MEET USER’S REQUIREMENTS. FLEXSCORE MAKE NO WARRANTY THAT FOLLOWING ANY ADVICE OR ACTION PLAN PROVIDED VIA THE SERVICE WILL RESULT IN USER BEING ABLE TO MEET ANY OF HIS/HER FINANCIAL OR PERSONAL GOALS. USER FOLLOWS ANY ADVICE AND ACTION PLANS PROVIDED VIA THE SERVICE AT USER’S SOLE RISK. FLEXSCORE MAKES NOT WARRANTIES WITH RESPECT TO ANY FINANCIAL CONSULTANTS OR ANY OF THEIR PRODUCTS OR SERVICES OR INFORMATION OR ADVICE. FLEXSCORE MAKES NO WARRANTIES WITH RESPECT TO ANY USER SUBMISSIONS. SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES. IN SUCH JURISDICTIONS, THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU INSOFAR AS THEY RELATE TO IMPLIED WARRANTIES.
</p>
</div>
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<a href="#section14LandMobile"></a>
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<h3>14. Limitation Of Liability</h3>
<p>
IN NO EVENT SHALL FLEXSCORE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSOR’S, VENDORS OR SUPPLIERS BE LIABLE UNDER CONTRACT, TORT, STRICT LIABILITY, NEGLIGENCE OR ANY OTHER LEGAL THEORY WITH RESPECT TO THE SERVICE (OR ANY ADVICE OR CONTENT OR INFORMATION PROVIDED OR MADE AVAILABLE THROUGH THE SERVICE): (I) FOR ANY LOST PROFITS OR SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER, EVEN IF FORESEEABLE, (II) FOR ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE (REGARDLESS OF THE SOURCE OF ORIGINATION), (III) FOR ANY ERRORS OR OMISSIONS IN ANY CONTENT OR INFORMATION (INCLUDING, WITHOUT LIMITATION, ACCOUNT INFORMATION) OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF USER’S USE OF ANY ADVICE OR CONTENT OR INFORMATION POSTED, EMAILED, TRANSMITTED OR OTHERWISE MADE AVAILABLE AT OR THROUGH THE SERVICE, (IV) FOR ANY DAMAGES ARISING IN CONNECTION WITH ANY USER SUBMISSIONS, OR (V) FOR ANY DIRECT DAMAGES IN EXCESS OF (IN THE AGGREGATE) $100.00 (U.S.). FLEXSCORE WILL NOT BE LIABLE FOR THE ACTS OR OMISSIONS OR – OR ANY TRANSACTIONS USER CONDUCTS WITH – ANY FINANCIAL CONSULTANTS. IN ADDITION, FLEXSCORE SHALL NOT BE LIABLE FOR ANY LOSS OR LIABILITY RESULTING, DIRECTLY OR INDIRECTLY, FROM USER’S INABILITY TO ACCESS OR OTHERWISE USE THE SITE (INCLUDING, WITHOUT LIMITATION, ANY DELAYS OR INTERRUPTIONS DUE TO ELECTRONIC OR MECHANICAL EQUIPMENT FAILURES, DENIAL OF SERVICE ATTACKS, DATE DATA PROCESSING FAILURES, TELECOMMUNICATIONS OR INTERNET PROBLEMS OR UTILITY FAILURES).
</p>
<p>
THE FOREGOING LIMITATIONS SHALL NOT APPLY TO THE EXTENT PROHIBITED BY APPLICABLE LAW.
</p>
</div>
<div id="section15" style="position:relative">
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<h3>15. Fees And Payment</h3>
<p>
The Service is currently provided free of charge to User (provided that, fees may be charged if User is a Financial Consultant). If User elects to purchase products or services through the Service (such as the services of any Financial Consultant or products such as home loans), User may be charged fees by the applicable third party sellers.
</p>
</div>
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<a href="#section16LandMobile"></a>
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<h3>16. Termination</h3>
<p>
This Agreement will continue to apply until terminated by either User or FlexScore as set out below.
</p>
<p>
User may only terminate this Agreement by canceling User’s FlexScore account via the cancellation process provided on User’s FlexScore account webpage.
</p>
<p>
FlexScore may terminate User’s access to all or any part of the Service at any time, with or without cause, effective upon notice thereof to User (provided that, if FlexScore determines there may be an immediate threat to FlexScore, it may terminate such access without notice). Upon termination notice from FlexScore, User will no longer access (or attempt to access) the Service.
</p>
<p>
Upon any termination, User’s account will be closed and User’s ability to log in deactivated immediately. User’s account data will be removed within 48 hours subject to and as explained in FlexScore’s <a href="./privacy" target="_blank">Privacy Policy</a> (except as otherwise required by law or regulation).
</p>
<p>
All provisions of this Agreement which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers and limitations of liability.
</p>
</div>
<div id="section17" style="position:relative">
<div class="clearOnly" id="section17Land" style="top:-80px;position:absolute">
<a href="#section17Land"></a>
</div>
<div class="clearOnly" id="section17LandMobile" style="top:-50px;position:absolute">
<a href="#section17LandMobile"></a>
</div>
<div class="visible-phone">
<h3 style="line-height:20px;padding-top:10px">17. Disputes With Financial</h3>
<h3 style="line-height:20px;padding-bottom:10px;white-space:nowrap">Consultant And Other Members</h3>
</div>
<div class="hidden-phone">
<h3>17. Disputes With Financial Consultants And Other Members</h3>
</div>
<p>
User is solely responsible for your interactions with other Service users – INCLUDING FINANCIAL CONSULTANTS. FlexScore reserves the right, but has no obligation, to monitor disputes between User and other Service users. If User has a dispute with one or more users of the Site or Service, User shall and hereby does release FlexScore (and its officers, directors, agents, subsidiaries, joint ventures and employees) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes. If User is a California resident, User waives California Civil Code §1542, which states: "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor."
</p>
</div>
<div id="section18" style="position:relative">
<div class="clearOnly" id="section18Land" style="top:-80px;position:absolute">
<a href="#section18Land"></a>
</div>
<div class="clearOnly" id="section18LandMobile" style="top:-50px;position:absolute">
<a href="#section18LandMobile"></a>
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<h3>18. Copyright</h3>
<p>
As a condition to using Services, User may be required to register for a FlexScore account and select a password and screen name (User ID). Your screen name cannot be changes, so please select one carefully. User shall provide FlexScore with accurate, complete, and updated registration information. Failure to do so shall constitute a breach of this Agreement, which may result in immediate termination of User’s account. User must ensure that User’s account with FlexScore contains (at all times) a valid email address. In addition, User shall not (i) select or use as a User ID a name of another person with the intent to impersonate that person; (ii) use as a User ID a name subject to any rights of a person other than User without appropriate authorization; or (iii) use as a User ID a name that is otherwise offensive, vulgar or obscene. FlexScore reserves the right to refuse registration of, or cancel a User ID in its sole discretion. User are solely responsible for activity that occurs on User’s account and shall be responsible for maintaining the confidentiality of User’s account password. User shall never use another user’s account without such other user’s express permission. User will immediately notify FlexScore in writing of any unauthorized use of User’s account, or other account related security breach of which User is aware.
</p>
</div>
<div id="section19" style="position:relative">
<div class="clearOnly" id="section19Land" style="top:-80px;position:absolute">
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</div>
<div class="clearOnly" id="section19LandMobile" style="top:-50px;position:absolute">
<a href="#section19LandMobile"></a>
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<h3>19. Electronic Communications</h3>
<p>
When User visits the Site or send e-mails to FlexScore, User is communicating with FlexScore electronically. User hereby consents to receive communications from us electronically. FlexScore will communicate with User by e-mail or by posting notices on the Site. User agrees that all agreements, notices, disclosures and other communications that FlexScore provides to User electronically satisfy any legal requirement that such communications be in writing. In certain circumstances, FlexScore may (at its election) communicate by written letter or fax.
</p>
</div>
<div id="section20" style="position:relative">
<div class="clearOnly" id="section20Land" style="top:-80px;position:absolute">
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</div>
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<a href="#section20LandMobile"></a>
</div>
<h3>20. Assignment</h3>
<p>
This Agreement may not be assigned (within the meaning of the Advisers Act) by either user or FlexScore without the prior consent of the other party. User acknowledges and agrees that transactions that do not result in a change of actual control or management shall not be considered an assignment pursuant to Rule 202(a)(1)-1 under the Advisers Act.
</p>
</div>
<div id="section21" style="position:relative">
<div class="clearOnly" id="section21Land" style="top:-80px;position:absolute">
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<a href="#section21LandMobile"></a>
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<h3>21. Miscellaneous</h3>
<p>
The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder. FlexScore shall not be liable for any failure to perform its obligations hereunder where such failure results from any cause beyond FlexScore’s reasonable control, including, without limitation, mechanical, electronic or communications failure or degradation (including "line-noise" interference). If any provision of this Agreement is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect and enforceable. This Agreement shall be governed by and construed in accordance with the laws of the state of California, as if made within California between two residents thereof, and the parties submit to the exclusive jurisdiction and venue of the state and Federal courts located in San Francisco, California. Notwithstanding the foregoing sentence, (but without limiting either party’s right to seek injunctive or other equitable relief immediately, at any time, in any court of competent jurisdiction), any disputes arising with respect to this Agreement shall be settled by arbitration in accordance with the rules and procedures of the Judicial Arbitration and Mediation Service, Inc. (“JAMS”). The arbitrator shall be selected by joint agreement of the parties. In the event the parties cannot agree on an arbitrator within thirty (30) days of the initiating party providing the other party with written notice that it plans to seek arbitration, the parties shall each select an arbitrator affiliated with JAMS, which arbitrators shall jointly select a third such arbitrator to resolve the dispute. The written decision of the arbitrator shall be final and binding on the parties and enforceable in any court. The arbitration proceeding shall take place in San Francisco, California, using the English language. Both parties agree that this Agreement is the complete and exclusive statement of the mutual understanding of the parties and supersedes and cancels all previous written and oral agreements, communications and other understandings relating to the subject matter of this Agreement, and that all modifications must be in a writing signed by both parties, except as otherwise provided herein. No agency, partnership, joint venture, or employment is created as a result of this Agreement and User does not have any authority of any kind to bind FlexScore in any respect whatsoever.
</p>
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