CashCompass — Terms of Use

1. Background

The Website is an information platform that provides general information, news, articles, educational content, insights and other resources to help users better understand personal finance. The Website is provided for general informational and educational purposes only and does not constitute financial, investment, tax, accounting or legal advice, or a recommendation to make any financial or investment decisions. Users should seek independent professional advice before making financial decisions.

2. Website Access

Subject to these Terms, we grant to you a personal, non-exclusive, limited, non-transferable, non-assignable, non-sublicensable license to access the Website on a device owned or controlled by you, solely for the purpose of accessing and using the Website in accordance with these Terms.

3. Restrictions

You shall not: (i) copy, distribute or modify any part of the Website without our prior written authorization; (ii) use, modify, create derivative works of, transfer (by sale, resale, license, sublicense, download or otherwise), reproduce, distribute, display or disclose Content (as defined in Section 4.1 below), except as expressly authorized herein; (iii) disrupt servers or networks connected to the Website; (iv) use or launch any automated system (including without limitation, “robots”, “crawlers” and “spiders”) to access the Website; or (v) circumvent, disable or otherwise interfere with security-related features of the Website or features that prevent or restrict use or copying of any Content or that enforce limitations on use of the Website.

4. Intellectual Property Rights

4.1 Content and Marks

The (i) content on the Website, including without limitation, the text, documents, articles, brochures, descriptions, software, graphics, photos, sounds, videos, interactive features, and services (collectively, the “Content”), and (ii) the trademarks, service marks and logos contained therein (“Marks”), are the property of CashCompass or its licensors and may be protected by applicable copyright or other intellectual property laws and treaties. The CashCompass logo, and other marks are Marks of CashCompass or its affiliates. All other trademarks, service marks, and logos used on the Website are the trademarks, service marks, or logos of their respective owners. We reserve all rights not expressly granted in and to the Website and the Content.

4.2 Use of Content

Content on the Website is provided to you for your information only and may not be used, modified, copied, distributed, transmitted, broadcasted, displayed, sold, licensed, de-compiled, or otherwise exploited for any other purposes whatsoever without our prior written consent.

4.3 Feedback

If you choose to submit comments or feedback about the Website (“Feedback”), you understand that such Feedback is gratuitous, unsolicited, and will not place CashCompass under any fiduciary or other obligation. By submitting any Feedback, you represent and warrant that: (i) you have the right to disclose the Feedback; (ii) the Feedback does not violate the rights of any other person or entity; and (iii) your Feedback does not contain the confidential or proprietary information of any third party. By submitting Feedback, you further: (i) agree that we are under no obligation of confidentiality, express or implied, with respect to the Feedback; (ii) acknowledge that we may have something similar to the Feedback already under consideration or in development; and (iii) grant us a non-exclusive, royalty-free, perpetual, worldwide license to use, modify, prepare derivative works, publish, distribute and sublicense the Feedback.

5. Links

The Website may contain links to third party websites that are not owned or controlled by CashCompass (“Third-Party Website(s)”). We are not affiliated with, have no control over, and assume no responsibility for the content, privacy policies, or practices of any Third-Party Websites. You: (i) are solely responsible and liable for your use of and linking to Third-Party Websites; and (ii) expressly release CashCompass from any and all liability arising from your use of any Third-Party Websites. Accordingly, we encourage you to read the terms and conditions and privacy policy of each Third-Party Website that you may choose to visit. CashCompass permits you to link to the Website provided that: (i) you link to but do not replicate any page on this Website; (ii) the hyperlink text shall accurately describe the Content as it appears on the Website; (iii) you shall not misrepresent your relationship with CashCompass or present any false information about CashCompass and shall not imply in any way that we are endorsing any services or products, unless we have given you our express prior written consent; (iv) you shall not link from a Third-Party Website whose terms prohibit outbound linking to third parties; (v) such Third-Party Website does not contain content that: (a) is illegal, offensive or controversial (in our discretion), or (b) infringes any intellectual property, privacy rights, or other rights of any person or entity; (c) you, and your website, comply with these Terms and applicable law; and (d) you shall immediately remove any link to the Website upon our request.

6. Warranty Disclaimers

TO THE FULLEST EXTENT PERMISSIBLE BY LAW, THE WEBSITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. CASHCOMPASS HEREBY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND THOSE ARISING BY STATUTE OR FROM A COURSE OF DEALING OR USAGE OF TRADE. CASHCOMPASS DOES NOT GUARANTEE THAT THE WEBSITE WILL BE FREE OF BUGS, SECURITY BREACHES, OR VIRUS ATTACKS. CASHCOMPASS DOES NOT GUARANTEE THAT THE CONTENT AVAILABLE ON THE WEBSITE IS OR WILL BE ACCURATE, COMPLETE, RELIABLE, CURRENT OR ERROR-FREE. WE RESERVE THE RIGHT TO MAKE CHANGES IN OR TO THE CONTENT, OR ANY PART THEREOF, IN OUR SOLE JUDGMENT, WITHOUT THE REQUIREMENT OF GIVING ANY NOTICE PRIOR TO OR AFTER MAKING SUCH CHANGES TO THE CONTENT.

THE WEBSITE MAY OCCASIONALLY BE UNAVAILABLE FOR ROUTINE MAINTENANCE, UPGRADING, OR OTHER REASONS. YOU AGREE THAT CASHCOMPASS WILL NOT BE HELD RESPONSIBLE FOR ANY CONSEQUENCES TO YOU OR ANY THIRD PARTY THAT MAY RESULT FROM TECHNICAL PROBLEMS OF THE INTERNET, SLOW CONNECTIONS, TRAFFIC CONGESTION OR OVERLOAD OF OUR OR OTHER SERVERS. WE DO NOT WARRANT, ENDORSE OR GUARANTEE ANY CONTENT, PRODUCT, OR SERVICE THAT IS FEATURED OR ADVERTISED ON THE WEBSITE BY A THIRD PARTY. EXCEPT AS EXPRESSLY STATED IN OUR TERMS, CASHCOMPASS DOES NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR CONDITIONS OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE SECURITY OF ANY INFORMATION YOU MAY PROVIDE OR ACTIVITIES YOU ENGAGE IN DURING THE COURSE OF YOUR USE OF THE WEBSITE. NOTHING ON THE WEBSITE CONSTITUTES PROFESSIONAL, LEGAL, FINANCIAL, OR OTHER ADVICE. YOUR USE OF THE WEBSITE CONTENT, OR ANY PART THEREOF, IS MADE SOLELY AT YOUR OWN RISK AND RESPONSIBILITY.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMISSIBLE BY LAW, CASHCOMPASS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, EXEMPLARY, SPECIAL, CONSEQUENTIAL, OR INCIDENTAL DAMAGES OF ANY KIND, OR FOR ANY LOSS OF DATA, REVENUE, PROFITS OR REPUTATION, ARISING UNDER THESE TERMS OR OUT OF YOUR USE OF, OR INABILITY TO USE, THE WEBSITE, EVEN IF CASHCOMPASS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, IN WHICH CASES THE EXCLUSION OF LIABILITY ABOVE SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW. IN NO EVENT SHALL THE AGGREGATE LIABILITY OF CASHCOMPASS FOR ANY DAMAGES ARISING UNDER THESE TERMS OR OUT OF YOUR USE OF, OR INABILITY TO USE, THE WEBSITE EXCEED IN THE AGGREGATE ONE HUNDRED U.S. DOLLARS ($100).

8. Indemnification

To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold CashCompass (including its affiliates, officers, directors, agents, partners and employees) harmless from any loss, damage, claim, liability, cost, demand and expense, including reasonable attorneys’ fees, arising in any way from your use of or access to the Website, including, without limitation: (i) any data or work transmitted or received by you; (ii) your violation of these Terms, including without limitation, your breach of any of the representations and warranties above; (iii) your violation of any third-party right, including without limitation any right of privacy, publicity rights or intellectual property rights; (iv) your violation of any law, rule or regulation of any jurisdiction; (v) any claims or damages that arise as a result of any content that you submit via the Website; or (vi) any other claim made by any third party in connection with your use of the Website.

9. Term and Termination

The following sections will survive any termination of these Terms: Sections 4 (Intellectual Property Rights), 6 (Warranty Disclaimers), 7 (Limitation of Liability), 8 (Indemnification), 11 (Governing Law), and 14 (General). CashCompass, in its sole discretion, has the right to terminate these Terms or your access to the Website, or any part thereof, immediately at any time and with or without cause (including, without any limitation, for a breach of these Terms). CashCompass shall not be liable to you or any third party for termination of the Website, or any part thereof. If you object to any term or condition of these Terms, or any subsequent modifications thereto, or become dissatisfied with the Website in any way, your only recourse is to immediately discontinue use of the Website. Upon termination of these Terms, you shall cease all use of the Website.

10. Assignment

These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you. Any prohibited assignment shall be null and void. CashCompass may transfer, assign, sublicense, or pledge in any manner whatsoever any of its rights and obligations under these Terms to any subsidiary, affiliate, or successor thereof or to any third party whatsoever, without notifying you or receiving your consent.

11. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of New York, US, without regard to conflict of law principles thereof, and you hereby consent to the exclusive jurisdiction and venue of the state and federal courts in New York County, New York, US.

12. No Waiver and Force Majeure

CashCompass’s failure to exercise or enforce any right or provision in these Terms shall not be considered a waiver of such right or provision, unless agreed upon in writing. CashCompass will not be responsible for any failures to fulfill any obligations due to causes beyond its reasonable control.

13. Modification

We may amend these Terms at any time by posting notice on the Website. Changes are effective immediately upon posting. Your continued use of the Website constitutes acceptance of such changes. We may also modify, suspend, or discontinue the Website, in whole or in part, at any time without liability to you.

14. General

These Terms, together with the Privacy Policy shall constitute the entire agreement between you and CashCompass concerning the Website. If any provision of these Terms is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect. YOU AGREE THAT ANY CAUSE OF ACTION THAT YOU MAY HAVE ARISING OUT OF OR RELATED TO THE WEBSITE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.

15. Language

You acknowledge that these Terms, and all related documents (including the Privacy Policy) have been prepared in English. If these Terms are translated into another language, the English language text shall in any event prevail.

16. Contact Us

If you have any questions about these Terms, please contact us at support@cashcompass.co.