TERMS OF SERVICE

Last Updated: January 4th, 2021

These terms of service (the “Terms of Service”) are a legal agreement between you and Treasury Interactive Inc. (“Treasury,” “we,” “us,” or “our”).  These Terms of Service specify the terms under which you may access and use our website located at https://treasury.app (the “Website”) and our social networking platform (the “Platform,” and together with the Website, the “Services”). These Terms of Service apply to both visitors of the Website (“Visitors”) and registered users of the Platform (“Users”).

By accepting these Terms of Service, accessing or using our Services, or otherwise manifesting your assent to these Terms of Service, you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service and our Privacy Policy, which is hereby incorporated by reference (collectively, this “Agreement”).  If you do not agree to (or cannot comply with) all of the terms of the Agreement, you may not access or use the Services.

THE SECTIONS BELOW TITLED “BINDING ARBITRATION” AND “CLASS ACTION WAIVER” CONTAIN A BINDING ARBITRATION AGREEMENT, JURY WAIVER, AND CLASS ACTION WAIVER.  THEY AFFECT YOUR LEGAL RIGHTS.  PLEASE READ THEM.

Capitalized terms not defined in these Terms of Service shall have the meaning set forth in the Privacy Policy.

  1. REGISTRATION

If you wish to access and use our Platform, you will be required to register with us.  To create an account (“Account”), you will be prompted to provide your email address or mobile number (“Login Credentials”), and you will then be sent an email or text message, as applicable, to your Login Credentials with a link to access and use the Platform. When creating your Account, you must provide true, accurate, current, and complete information.  Login Credentials can be used by only one user.  You are solely responsible for the confidentiality and use of your Login Credentials, as well as for any use, misuse, or communications entered through the Platform using your account.  You will promptly inform us of any need to deactivate your Account.  Treasury is under no obligation to accept any individual or entity as an Account holder, and may accept or reject any registrations in our sole and complete discretion. We will not be liable for any loss or damage caused by any unauthorized use of your account.

  1. NO PROFESSIONAL ADVICE

YOU ACKNOWLEDGE AND AGREE THAT TREASURY DOES NOT PROVIDE YOU WITH INVESTMENT, FINANCIAL, LEGAL, OR TAX ADVICE, OR ANY OTHER PROFESSIONAL ADVICE, AND THE SERVICES ARE NOT INTENDED TO PROVIDE USERS ANY SUCH INVESTMENT, FINANCIAL, LEGAL, TAX, OR OTHER PROFESSIONAL ADVICE.  No employee, agent or representative of Treasury is authorized to provide any investment, financial, legal tax, or other professional advice pursuant to this Agreement, and any such advice, if given, is in violation of our policies, is unauthorized, and may not be relied upon.

  1. FINANCIAL ACTIVITY INFORMATION AND REPORTS; USER CONTENT

The Platform allows you to connect your Account to your bank account(s) through our integration with Plaid. If you use our integration with Plaid to connect your Account to your bank account(s), you acknowledge that you shall be bound by Plaid’s services agreement and privacy policy available at https://plaid.com/legal/#consumers. Every day we will compile your Financial Activity Information for that day and provide it to you privately in a Report. You may choose to upload any Report to the social media platform of your choosing (“Social Media Platform”).  For more information about how we use and protect your Reports and Financial Activity Information, please visit our Privacy Policy.

Additionally, Users will be able to customize Reports by adding text, graphics, and other materials to them (collectively, “User Content”).  You, and not Treasury, are entirely responsible for all User Content that you upload, post or otherwise transmit through the Platform and display on a Report.  

To the extent permitted by law, you and your licensors retain all copyrights and other intellectual property rights in and to your Reports, Financial Activity Information, and User Content.  You do, however, hereby grant us and our sublicensees a non-exclusive, royalty-free, freely sublicensable, perpetual, irrevocable license to (i) copy, record, synchronize, transmit, translate, format, distribute, display, perform, and otherwise use your Reports and Financial Activity Information and User Content and all intellectual property and moral rights therein to provide you the Services, and (ii) aggregate and de-identify the Reports, Financial Activity Information, and User Content to create Aggregate Data, and use such Aggregate Data for any lawful purpose.    

  1. RESTRICTIONS AND USAGE RIGHTS

The Services are available only to individuals aged 13 years or older.  If you are 13 or older, but under the age of majority in your jurisdiction, you should review the Agreement with your parent or guardian to make sure that you and your parent or guardian understand it.  If you are under the age of 13, you may use the Services only with the consent of your parent or guardian.

Subject to the terms and conditions of this Agreement, Treasury grants you a limited, non-transferable, non-exclusive, license to access and use the Services and the Content (defined below) for your personal, non-commercial use, and no other use is permitted without the prior written consent of Treasury. Treasury may terminate this license at any time for any reason, including, but not limited to, for violation any of the restrictions provided in this Section 4.  When using or accessing the Services, you agree that:  

  1. INTELLECTUAL PROPERTY

The Services contain materials, such as software, text, graphics, images, sound recordings, and other materials provided by or on behalf of Treasury (collectively referred to as the “Content”).  Except as expressly provided in this Agreement, Treasury and/or our licensors exclusively own all right, title, and interest in and to the Services and the Content, including all associated intellectual property rights. The Services and the Content are protected under both United States and foreign laws.  Unauthorized use of the Services or the Content may violate copyright, trademark, and other laws.  

You may access the Services and view all Content for your personal, non-commercial use, and no other use is permitted without the prior written consent of Treasury.  You shall not remove, alter, or obscure any copyright, trademark, service mark, or other proprietary rights notices incorporated in or accompanying the Services or the Content. We reserve the right to remove Content from our Services at any time for any reason without any notice to you.

If you violate any part of this Agreement, your permission to access the Services and the Content automatically terminates and you must immediately destroy any copies you have made of the Content.

The trademarks, service marks, and logos of Treasury (the “Treasury Trademarks”) used and displayed on the Services are owned by Treasury.  Other company, product, and service names located on the Services may be trademarks or service marks owned by others (the “Third-Party Trademarks,” and, collectively with Treasury Trademarks, the “Trademarks”).  Nothing on the Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use the Trademarks, without our prior written permission specific for each such use.  Use of the Trademarks as part of a link to or from any site is prohibited unless establishment of such a link is approved in advance by us in writing.  All goodwill generated from the use of Treasury Trademarks inures to our benefit.

Elements of the Services are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including, but not limited to, the use of framing or mirrors.  None of the Content may be retransmitted without our express, written consent for each and every instance.

  1. COMMUNICATIONS WITH US

Although we encourage you to e-mail us, we do not want you to, and you should not, e-mail us any content that contains confidential information.  With respect to all e-mails and communications you send to us, including, but not limited to, feedback, questions, comments, suggestions, and the like, we shall be free to use any ideas, concepts, know-how, or techniques contained in your communications for any purpose whatsoever, including but not limited to, the development, production, and marketing of products and services that incorporate such information without compensation or attribution to you.

  1. NO WARRANTIES; LIMITATION OF LIABILITY 

THE SERVICES, THE CONTENT, AND THE REPORTS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OF ANY KIND, INCLUDING THAT THE SERVICES OR CONTENT WILL BE ACCURATE, OR OPERATE ERROR-FREE OR THAT THE SERVICES, ITS SERVERS, OR THE CONTENT ARE FREE OF COMPUTER VIRUSES OR SIMILAR CONTAMINATION OR DESTRUCTIVE FEATURES.

WE DISCLAIM ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES’ RIGHTS, AND FITNESS FOR PARTICULAR PURPOSE AND ANY WARRANTIES ARISING FROM A COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

TREASURY PROVIDES THE INFORMATION THROUGH THE SERVICES FOR INFORMATIONAL PURPOSES ONLY. NO INFORMATION SHOULD BE CONSTRUED AS INVESTMENT, FINANCIAL, TAX, LEGAL, OR OTHER PROFESSIONAL ADVICE. WE SHALL NOT BE LIABLE FOR RELIANCE ON ANY INFORMATION PROVIDED, OR MADE AVAILABLE, THROUGH THE SERVICES.

THE SERVICES, CONTENT, AND REPORTS MAY CONTAIN TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS OR OMISSIONS. UNLESS REQUIRED BY APPLICABLE LAWS, WE ARE NOT RESPONSIBLE FOR ANY SUCH TYPOGRAPHICAL OR TECHNICAL ERRORS LISTED ON THE SERVICES OR INCLUDED IN THE CONTENT OR REPORTS. WE RESERVE THE RIGHT TO MAKE CHANGES, CORRECTIONS, AND/OR IMPROVEMENTS TO THE SERVICES, CONTENT, AND REPORTS, AND/OR ADD OR REMOVE CONTENT AT ANY TIME WITHOUT NOTICE.  

IN CONNECTION WITH ANY WARRANTY, CONTRACT, OR COMMON LAW TORT CLAIMS: (I) WE AND OUR LICENSORS SHALL NOT BE LIABLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION RESULTING FROM THE USE OR INABILITY TO ACCESS AND USE THE SERVICES, THE CONTENT, OR REPORTS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; AND (II) ANY DIRECT DAMAGES THAT YOU MAY SUFFER AS A RESULT OF YOUR USE OF THE SERVICES, THE CONTENT, OR THE REPORTS SHALL BE LIMITED TO FIFTY US DOLLARS ($50).  

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. THEREFORE, SOME OF THE ABOVE LIMITATIONS ON WARRANTIES IN THIS SECTION MAY NOT APPLY TO YOU.

NOTHING IN THESE TERMS OF SERVICE SHALL AFFECT ANY NON-WAIVABLE STATUTORY RIGHTS THAT APPLY TO YOU.

  1. REPRESENTATIONS AND WARRANTIES; INDEMNIFICATION. 

  1. You hereby represent, warrant, and covenant that:

  1. You agree to defend, indemnify, and hold us and our officers, directors, employees, agents, successors, licensees, licensors, and assigns harmless from and against any damages, liabilities, losses, expenses, claims, actions, and/or demands, including, without limitation, reasonable legal and accounting fees, arising or resulting from: (i) your breach of this Agreement; (ii) your misuse of the Content or the Services; and/or (iii) your violation of any third-party rights, including without limitation any copyright, trademark, property, publicity, or privacy right.  We shall provide notice to you of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit, or proceeding.  We reserve the right to assume the exclusive defense and control (at your expense) of any matter that is subject to indemnification under this section.  In such case, you agree to cooperate with any reasonable requests assisting our defense of such matter.

  1. EXTERNAL SITES.

The Services may contain links to third-party websites (“External Sites”).  These links are provided solely as a convenience to you and not as an endorsement by us of the content on such External Sites.  The content of such External Sites is developed and provided by others.  You should contact the site administrator or webmaster for those External Sites if you have any concerns regarding such links or any content located on such External Sites.  We are not responsible for the content of any linked External Sites and do not make any representations regarding the content or accuracy of materials on such External Sites.  You should take precautions when downloading files from all websites to protect your computer from viruses and other destructive programs.  If you decide to access linked External Sites, you do so at your own risk.

  1. COMPLIANCE WITH APPLICABLE LAWS

The Services are based in the United States.  We make no claims concerning whether the Content may be downloaded, viewed, or be appropriate for use outside of the United States.  If you access the Services or the Content from outside of the United States, you do so at your own risk.  Whether inside or outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction.

  1. CHANGES TO THE AGREEMENT.

These Terms of Service are effective as of the last updated date stated at the top.  We may change these Terms of Service from time to time with or without notice to you.  Any such changes will be posted on the Services. By accessing the Services after we make any such changes to these Terms of Service, you are deemed to have accepted such changes.  Please refer back to these Terms of Service on a regular basis.

  1. TERMINATION OF THE AGREEMENT.

We reserve the right, in our sole discretion, to restrict, suspend, or terminate this Agreement and the Services, and your access to all or any part of the Services, at any time and for any reason without prior notice or liability.  Sections 2-17 shall survive the termination of this Agreement.

  1. CONTROLLING LAW.

This Agreement and any action related thereto will be governed by the laws of the State of New York without regard to its conflict of laws provisions.

  1. BINDING ARBITRATION.

In the event of a dispute arising under or relating to this Agreement, the Content, or the Services (each, a “Dispute”), such dispute will be finally and exclusively resolved by binding arbitration governed by the Federal Arbitration Act (“FAA”).  Any election to arbitrate, at any time, shall be final and binding on the other party. NEITHER PARTY SHALL HAVE THE RIGHT TO LITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL, EXCEPT EITHER PARTY MAY BRING ITS CLAIM IN ITS LOCAL SMALL CLAIMS COURT, IF PERMITTED BY THAT SMALL CLAIMS COURT RULES AND IF WITHIN SUCH COURT’S JURISDICTION.  ARBITRATION IS DIFFERENT FROM COURT, AND DISCOVERY AND APPEAL RIGHTS MAY ALSO BE LIMITED IN ARBITRATION.  All disputes will be resolved before a neutral arbitrator selected jointly by the parties, whose decision will be final, except for a limited right of appeal under the FAA.  The arbitration shall be commenced and conducted by JAMS pursuant to its then current Comprehensive Arbitration Rules and Procedures and in accordance with the Expedited Procedures in those rules, or, where appropriate, pursuant to JAMS’ Streamlined Arbitration Rules and Procedures. All applicable JAMS’ rules and procedures are available at the JAMS website www.jamsadr.com. Each party will be responsible for paying any JAMS filing, administrative, and arbitrator fees in accordance with JAMS rules.  Judgment on the arbitrator’s award may be entered in any court having jurisdiction. This clause shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction.  The arbitration may be conducted in person, through the submission of documents, by phone, or online. If conducted in person, the arbitration shall take place in the United States county where you reside.  The parties may litigate in court to compel arbitration, to stay a proceeding pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.  The parties shall cooperate in good faith in the voluntary and informal exchange of all non-privileged documents and other information (including electronically stored information) relevant to the Dispute immediately after commencement of the arbitration.  As set forth in Section 16 below, nothing in this Agreement will prevent us from seeking injunctive relief in any court of competent jurisdiction as necessary to protect our proprietary interests.

  1. CLASS ACTION WAIVER.

You agree that any arbitration or proceeding shall be limited to the Dispute between us and you individually. To the full extent permitted by law, (i) no arbitration or proceeding shall be joined with any other; (ii) there is no right or authority for any Dispute to be arbitrated or resolved on a class action-basis or to utilize class action procedures; and (iii) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST US ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

  1. EQUITABLE RELIEF.

You acknowledge and agree that in the event of a breach or threatened violation of our intellectual property rights and confidential and proprietary information by you, we will suffer irreparable harm and will therefore be entitled to injunctive relief to enforce this Agreement. We may, without waiving any other remedies under this Agreement, seek from any court having jurisdiction any interim, equitable, provisional, or injunctive relief that is necessary to protect our rights and property pending the outcome of the arbitration referenced above. All such claims or disputes arising out of or in connection with this Agreement shall be heard exclusively by any of the federal or state courts of competent jurisdiction located in the State of New York.

  1. MISCELLANEOUS 

Our failure to act on or enforce any provision of the Agreement shall not be construed as a waiver of that provision or any other provision in this Agreement.  No waiver shall be effective against us unless made in writing, and no such waiver shall be construed as a waiver in any other or subsequent instance.  Except as expressly agreed by us and you in writing, this Agreement constitutes the entire Agreement between you and us with respect to the subject matter, and supersedes all previous or contemporaneous agreements, whether written or oral, between the parties with respect to the subject matter.  The section headings are provided merely for convenience and shall not be given any legal import.  This Agreement will inure to the benefit of our successors, assigns, licensees, and sublicensees.  

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