Money Manager 365


                                                
                                                    
                                                    
                                                        
                                                            AGREEMENT TO TERMS
                                                            These Terms and Conditions
                                                                constitute a legally binding agreement made between you,
                                                                whether personally or on behalf of an entity
                                                                (“you”) and [business entity name]
                                                                (“we,” “us” or
                                                                “our”), concerning your access to and use of
                                                                the [website name.com] website as well as any other
                                                                media form, media channel, mobile website or mobile
                                                                application related, linked, or otherwise connected
                                                                thereto (collectively, the “Site”). You
                                                                agree that by accessing the Site, you have read,
                                                                understood, and agree to be bound by all of these Terms
                                                                and Conditions Use. IF YOU DO NOT AGREE WITH ALL OF
                                                                THESE TERMS and CONDITIONS, THEN YOU ARE EXPRESSLY
                                                                PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE
                                                                USE IMMEDIATELY. 
                                                             
                                                            Supplemental terms and
                                                                conditions or documents that may be posted on the Site
                                                                from time to time are hereby expressly incorporated
                                                                herein by reference. We reserve the right, in our sole
                                                                discretion, to make changes or modifications to these
                                                                Terms and Conditions at any time and for any reason. We
                                                                will alert you about any changes by updating the
                                                                “Last updated” date of these Terms and
                                                                Conditions and you waive any right to receive specific
                                                                notice of each such change. It is your responsibility to
                                                                periodically review these Terms and Conditions to stay
                                                                informed of updates. You will be subject to, and will be
                                                                deemed to have been made aware of and to have accepted,
                                                                the changes in any revised Terms and Conditions by your
                                                                continued use of the Site after the date such revised
                                                                Terms are posted.
                                                             
                                                            The information provided on
                                                                the Site is not intended for distribution to or use by
                                                                any person or entity in any jurisdiction or country
                                                                where such distribution or use would be contrary to law
                                                                or regulation or which would subject us to any
                                                                registration requirement within such jurisdiction or
                                                                country. Accordingly, those persons who choose to access
                                                                the Site from other locations do so on their own
                                                                initiative and are solely responsible for compliance
                                                                with local laws, if and to the extent local laws are
                                                                applicable. 
                                                             
                                                             
                                                            Option 1: The Site is
                                                                intended for users who are at least 18 years old.
                                                                Persons under the age of 13 are not permitted to
                                                                register for the Site.
                                                             
                                                            Option 2: [The Site is
                                                                intended for users who are at least 13 years of age.]
                                                                All users who are minors in the jurisdiction in which
                                                                they reside (generally under the age of 18) must have
                                                                the permission of, and be directly supervised by, their
                                                                parent or guardian to use the Site. If you are a minor,
                                                                you must have your parent or guardian read and agree to
                                                                these Terms of Use prior to you using the Site.
                                                             
                                                            INTELLECTUAL PROPERTY
                                                                RIGHTS
                                                            Unless otherwise indicated,
                                                                the Site is our proprietary property and all source
                                                                code, databases, functionality, software, website
                                                                designs, audio, video, text, photographs, and graphics
                                                                on the Site (collectively, the “Content”)
                                                                and the trademarks, service marks, and logos contained
                                                                therein (the “Marks”) are owned or
                                                                controlled by us or licensed to us, and are protected by
                                                                copyright and trademark laws and various other
                                                                intellectual property rights and unfair competition laws
                                                                of the United States, foreign jurisdictions, and
                                                                international conventions. The Content and the Marks are
                                                                provided on the Site “AS IS” for your
                                                                information and personal use only. Except as expressly
                                                                provided in these Terms of Use, no part of the Site and
                                                                no Content or Marks may be copied, reproduced,
                                                                aggregated, republished, uploaded, posted, publicly
                                                                displayed, encoded, translated, transmitted,
                                                                distributed, sold, licensed, or otherwise exploited for
                                                                any commercial purpose whatsoever, without our express
                                                                prior written permission.
                                                             
                                                            Provided that you are
                                                                eligible to use the Site, you are granted a limited
                                                                license to access and use the Site and to download or
                                                                print a copy of any portion of the Content to which you
                                                                have properly gained access solely for your personal,
                                                                non-commercial use. We reserve all rights not expressly
                                                                granted to you in and to the Site, Content and the
                                                                Marks.
                                                             
                                                            USER REPRESENTATIONS
                                                            By using the Site, you
                                                                represent and warrant that: [(1) all registration
                                                                information you submit will be true, accurate, current,
                                                                and complete; (2) you will maintain the accuracy of such
                                                                information and promptly update such registration
                                                                information as necessary;] (3) you have the legal
                                                                capacity and you agree to comply with these Terms of
                                                                Use; [(4) you are not under the age of 13;] (5) not a
                                                                minor in the jurisdiction in which you reside[, or if a
                                                                minor, you have received parental permission to use the
                                                                Site]; (6) you will not access the Site through
                                                                automated or non-human means, whether through a bot,
                                                                script or otherwise; (7) you will not use the Site for
                                                                any illegal or unauthorized purpose; and (8) your use of
                                                                the Site will not violate any applicable law or
                                                                regulation.
                                                             
                                                            If you provide any
                                                                information that is untrue, inaccurate, not current, or
                                                                incomplete, we have the right to suspend or terminate
                                                                your account and refuse any and all current or future
                                                                use of the Site (or any portion thereof).
                                                             
                                                            USER REGISTRATION
                                                            You may be required to
                                                                register with the Site. You agree to keep your password
                                                                confidential and will be responsible for all use of your
                                                                account and password. We reserve the right to remove,
                                                                reclaim, or change a username you select if we
                                                                determine, in our sole discretion, that such username is
                                                                inappropriate, obscene, or otherwise objectionable.
                                                             
                                                            PROHIBITED ACTIVITIES
                                                            You may not access or use
                                                                the Site for any purpose other than that for which we
                                                                make the Site available. The Site may not be used in
                                                                connection with any commercial endeavors except those
                                                                that are specifically endorsed or approved by us.
                                                             
                                                            As a user of the Site, you
                                                                agree not to:
                                                             
                                                            
                                                                systematically retrieve data or other content from
                                                                    the Site to create or compile, directly or
                                                                    indirectly, a collection, compilation, database, or
                                                                    directory without written permission from us.
                                                                make any unauthorized use of the Site, including
                                                                    collecting usernames and/or email addresses of users
                                                                    by electronic or other means for the purpose of
                                                                    sending unsolicited email, or creating user accounts
                                                                    by automated means or under false pretenses.
                                                                use a buying agent or purchasing agent to make
                                                                    purchases on the Site.
                                                                use the Site to advertise or offer to sell goods and
                                                                    services.
                                                                circumvent, disable, or otherwise interfere with
                                                                    security-related features of the Site, including
                                                                    features that prevent or restrict the use or copying
                                                                    of any Content or enforce limitations on the use of
                                                                    the Site and/or the Content contained therein.
                                                                engage in unauthorized framing of or linking to the
                                                                    Site.
                                                                trick, defraud, or mislead us and other users,
                                                                    especially in any attempt to learn sensitive account
                                                                    information such as user passwords;
                                                                make improper use of our support services or submit
                                                                    false reports of abuse or misconduct.
                                                                engage in any automated use of the system, such as
                                                                    using scripts to send comments or messages, or using
                                                                    any data mining, robots, or similar data gathering
                                                                    and extraction tools.
                                                                interfere with, disrupt, or create an undue burden
                                                                    on the Site or the networks or services connected to
                                                                    the Site.
                                                                attempt to impersonate another user or person or use
                                                                    the username of another user.
                                                                sell or otherwise transfer your profile.
                                                                use any information obtained from the Site in order
                                                                    to harass, abuse, or harm another person.
                                                                use the Site as part of any effort to compete with
                                                                    us or otherwise use the Site and/or the Content for
                                                                    any revenue-generating endeavor or commercial
                                                                    enterprise.
                                                                decipher, decompile, disassemble, or reverse
                                                                    engineer any of the software comprising or in any
                                                                    way making up a part of the Site.
                                                                attempt to bypass any measures of the Site designed
                                                                    to prevent or restrict access to the Site, or any
                                                                    portion of the Site.
                                                                harass, annoy, intimidate, or threaten any of our
                                                                    employees or agents engaged in providing any portion
                                                                    of the Site to you.
                                                                delete the copyright or other proprietary rights
                                                                    notice from any Content.
                                                                copy or adapt the Site’s software, including
                                                                    but not limited to Flash, PHP, HTML, JavaScript, or
                                                                    other code.
                                                                upload or transmit (or attempt to upload or to
                                                                    transmit) viruses, Trojan horses, or other material,
                                                                    including excessive use of capital letters and
                                                                    spamming (continuous posting of repetitive text),
                                                                    that interferes with any party’s uninterrupted
                                                                    use and enjoyment of the Site or modifies, impairs,
                                                                    disrupts, alters, or interferes with the use,
                                                                    features, functions, operation, or maintenance of
                                                                    the Site.
                                                                upload or transmit (or attempt to upload or to
                                                                    transmit) any material that acts as a passive or
                                                                    active information collection or transmission
                                                                    mechanism, including without limitation, clear
                                                                    graphics interchange formats (“gifs”),
                                                                    1×1 pixels, web bugs, cookies, or other
                                                                    similar devices (sometimes referred to as
                                                                    “spyware” or “passive collection
                                                                    mechanisms” or “pcms”).
                                                                except as may be the result of standard search
                                                                    engine or Internet browser usage, use, launch,
                                                                    develop, or distribute any automated system,
                                                                    including without limitation, any spider, robot,
                                                                    cheat utility, scraper, or offline reader that
                                                                    accesses the Site, or using or launching any
                                                                    unauthorized script or other software.
                                                                disparage, tarnish, or otherwise harm, in our
                                                                    opinion, us and/or the Site.
                                                                use the Site in a manner inconsistent with any
                                                                    applicable laws or regulations.
                                                                [other]
                                                            
                                                             
                                                            USER GENERATED
                                                                    CONTRIBUTIONS
                                                            The Site may invite you to
                                                                chat, contribute to, or participate in blogs, message
                                                                boards, online forums, and other functionality, and may
                                                                provide you with the opportunity to create, submit,
                                                                post, display, transmit, perform, publish, distribute,
                                                                or broadcast content and materials to us or on the Site,
                                                                including but not limited to text, writings, video,
                                                                audio, photographs, graphics, comments, suggestions, or
                                                                personal information or other material (collectively,
                                                                "Contributions"). Contributions may be viewable by other
                                                                users of the Site and through third-party websites. As
                                                                such, any Contributions you transmit may be treated as
                                                                non-confidential and non-proprietary. When you create or
                                                                make available any Contributions, you thereby represent
                                                                and warrant that:
                                                             
                                                            
                                                                the creation, distribution, transmission, public
                                                                    display, or performance, and the accessing,
                                                                    downloading, or copying of your Contributions do not
                                                                    and will not infringe the proprietary rights,
                                                                    including but not limited to the copyright, patent,
                                                                    trademark, trade secret, or moral rights of any
                                                                    third party.
                                                                you are the creator and owner of or have the
                                                                    necessary licenses, rights, consents, releases, and
                                                                    permissions to use and to authorize us, the Site,
                                                                    and other users of the Site to use your
                                                                    Contributions in any manner contemplated by the Site
                                                                    and these Terms of Use.
                                                                you have the written consent, release, and/or
                                                                    permission of each and every identifiable individual
                                                                    person in your Contributions to use the name or
                                                                    likeness of each and every such identifiable
                                                                    individual person to enable inclusion and use of
                                                                    your Contributions in any manner contemplated by the
                                                                    Site and these Terms of Use.
                                                                your Contributions are not false, inaccurate, or
                                                                    misleading.
                                                                your Contributions are not unsolicited or
                                                                    unauthorized advertising, promotional materials,
                                                                    pyramid schemes, chain letters, spam, mass mailings,
                                                                    or other forms of solicitation.
                                                                your Contributions are not obscene, lewd,
                                                                    lascivious, filthy, violent, harassing, libelous,
                                                                    slanderous, or otherwise objectionable (as
                                                                    determined by us).
                                                                your Contributions do not ridicule, mock, disparage,
                                                                    intimidate, or abuse anyone.
                                                                your Contributions do not advocate the violent
                                                                    overthrow of any government or incite, encourage, or
                                                                    threaten physical harm against another.
                                                                your Contributions do not violate any applicable
                                                                    law, regulation, or rule.
                                                                your Contributions do not violate the privacy or
                                                                    publicity rights of any third party.
                                                                your Contributions do not contain any material that
                                                                    solicits personal information from anyone under the
                                                                    age of 18 or exploits people under the age of 18 in
                                                                    a sexual or violent manner.
                                                                your Contributions do not violate any federal or
                                                                    state law concerning child pornography, or otherwise
                                                                    intended to protect the health or well-being of
                                                                    minors;
                                                                your Contributions do not include any offensive
                                                                    comments that are connected to race, national
                                                                    origin, gender, sexual preference, or physical
                                                                    handicap.
                                                                your Contributions do not otherwise violate, or link
                                                                    to material that violates, any provision of these
                                                                    Terms of Use, or any applicable law or regulation.
                                                                
                                                            
                                                             
                                                            Any use of the Site in
                                                                violation of the foregoing violates these Terms of Use
                                                                and may result in, among other things, termination or
                                                                suspension of your rights to use the Site.
                                                             
                                                            CONTRIBUTION LICENSE
                                                            By posting your
                                                                Contributions to any part of the Site [or making
                                                                Contributions accessible to the Site by linking your
                                                                account from the Site to any of your social networking
                                                                accounts], you automatically grant, and you represent
                                                                and warrant that you have the right to grant, to us an
                                                                unrestricted, unlimited, irrevocable, perpetual,
                                                                non-exclusive, transferable, royalty-free, fully-paid,
                                                                worldwide right, and license to host, use, copy,
                                                                reproduce, disclose, sell, resell, publish, broadcast,
                                                                retitle, archive, store, cache, publicly perform,
                                                                publicly display, reformat, translate, transmit, excerpt
                                                                (in whole or in part), and distribute such Contributions
                                                                (including, without limitation, your image and voice)
                                                                for any purpose, commercial, advertising, or otherwise,
                                                                and to prepare derivative works of, or incorporate into
                                                                other works, such Contributions, and grant and authorize
                                                                sublicenses of the foregoing. The use and distribution
                                                                may occur in any media formats and through any media
                                                                channels.
                                                             
                                                            This license will apply to
                                                                any form, media, or technology now known or hereafter
                                                                developed, and includes our use of your name, company
                                                                name, and franchise name, as applicable, and any of the
                                                                trademarks, service marks, trade names, logos, and
                                                                personal and commercial images you provide. You waive
                                                                all moral rights in your Contributions, and you warrant
                                                                that moral rights have not otherwise been asserted in
                                                                your Contributions.
                                                             
                                                            We do not assert any
                                                                ownership over your Contributions. You retain full
                                                                ownership of all of your Contributions and any
                                                                intellectual property rights or other proprietary rights
                                                                associated with your Contributions. We are not liable
                                                                for any statements or representations in your
                                                                Contributions provided by you in any area on the Site.
                                                                You are solely responsible for your Contributions to the
                                                                Site and you expressly agree to exonerate us from any
                                                                and all responsibility and to refrain from any legal
                                                                action against us regarding your Contributions. 
                                                            
                                                             
                                                            We have the right, in our
                                                                sole and absolute discretion, (1) to edit, redact, or
                                                                otherwise change any Contributions; (2) to re-categorize
                                                                any Contributions to place them in more appropriate
                                                                locations on the Site; and (3) to pre-screen or delete
                                                                any Contributions at any time and for any reason,
                                                                without notice. We have no obligation to monitor your
                                                                Contributions.
                                                              
                                                            GUIDELINES FOR REVIEWS
                                                            We may provide you areas on
                                                                the Site to leave reviews or ratings. When posting a
                                                                review, you must comply with the following criteria: (1)
                                                                you should have firsthand experience with the
                                                                person/entity being reviewed; (2) your reviews should
                                                                not contain offensive profanity, or abusive, racist,
                                                                offensive, or hate language; (3) your reviews should not
                                                                contain discriminatory references based on religion,
                                                                race, gender, national origin, age, marital status,
                                                                sexual orientation, or disability; (4) your reviews
                                                                should not contain references to illegal activity; (5)
                                                                you should not be affiliated with competitors if posting
                                                                negative reviews; (6) you should not make any
                                                                conclusions as to the legality of conduct; (7) you may
                                                                not post any false or misleading statements; and (8) you
                                                                may not organize a campaign encouraging others to post
                                                                reviews, whether positive or negative.
                                                             
                                                            We may accept, reject, or
                                                                remove reviews in our sole discretion. We have
                                                                absolutely no obligation to screen reviews or to delete
                                                                reviews, even if anyone considers reviews objectionable
                                                                or inaccurate. Reviews are not endorsed by us, and do
                                                                not necessarily represent our opinions or the views of
                                                                any of our affiliates or partners. We do not assume
                                                                liability for any review or for any claims, liabilities,
                                                                or losses resulting from any review. By posting a
                                                                review, you hereby grant to us a perpetual,
                                                                non-exclusive, worldwide, royalty-free, fully-paid,
                                                                assignable, and sublicensable right and license to
                                                                reproduce, modify, translate, transmit by any means,
                                                                display, perform, and/or distribute all content relating
                                                                to reviews.
                                                            
                                                                  
                                                            MOBILE APPLICATION LICENSE
                                                            
                                                            Use License
                                                            If you access the Site via a
                                                                mobile application, then we grant you a revocable,
                                                                non-exclusive, non-transferable, limited right to
                                                                install and use the mobile application on wireless
                                                                electronic devices owned or controlled by you, and to
                                                                access and use the mobile application on such devices
                                                                strictly in accordance with the terms and conditions of
                                                                this mobile application license contained in these Terms
                                                                of Use. You shall not: (1) decompile, reverse engineer,
                                                                disassemble, attempt to derive the source code of, or
                                                                decrypt the application; (2) make any modification,
                                                                adaptation, improvement, enhancement, translation, or
                                                                derivative work from the application; (3) violate any
                                                                applicable laws, rules, or regulations in connection
                                                                with your access or use of the application; (4) remove,
                                                                alter, or obscure any proprietary notice (including any
                                                                notice of copyright or trademark) posted by us or the
                                                                licensors of the application; (5) use the application
                                                                for any revenue generating endeavor, commercial
                                                                enterprise, or other purpose for which it is not
                                                                designed or intended; (6) make the application available
                                                                over a network or other environment permitting access or
                                                                use by multiple devices or users at the same time; (7)
                                                                use the application for creating a product, service, or
                                                                software that is, directly or indirectly, competitive
                                                                with or in any way a substitute for the application; (8)
                                                                use the application to send automated queries to any
                                                                website or to send any unsolicited commercial e-mail; or
                                                                (9) use any proprietary information or any of our
                                                                interfaces or our other intellectual property in the
                                                                design, development, manufacture, licensing, or
                                                                distribution of any applications, accessories, or
                                                                devices for use with the application.
                                                             
                                                            Apple and Android Devices
                                                            
                                                            The following terms apply
                                                                when you use a mobile application obtained from either
                                                                the Apple Store or Google Play (each an “App
                                                                Distributor”) to access the Site: (1) the license
                                                                granted to you for our mobile application is limited to
                                                                a non-transferable license to use the application on a
                                                                device that utilizes the Apple iOS or Android operating
                                                                systems, as applicable, and in accordance with the usage
                                                                rules set forth in the applicable App
                                                                Distributor’s terms of service; (2) we are
                                                                responsible for providing any maintenance and support
                                                                services with respect to the mobile application as
                                                                specified in the terms and conditions of this mobile
                                                                application license contained in these Terms of Use or
                                                                as otherwise required under applicable law, and you
                                                                acknowledge that each App Distributor has no obligation
                                                                whatsoever to furnish any maintenance and support
                                                                services with respect to the mobile application; (3) in
                                                                the event of any failure of the mobile application to
                                                                conform to any applicable warranty, you may notify the
                                                                applicable App Distributor, and the App Distributor, in
                                                                accordance with its terms and policies, may refund the
                                                                purchase price, if any, paid for the mobile application,
                                                                and to the maximum extent permitted by applicable law,
                                                                the App Distributor will have no other warranty
                                                                obligation whatsoever with respect to the mobile
                                                                application; (4) you represent and warrant that (i) you
                                                                are not located in a country that is subject to a U.S.
                                                                government embargo, or that has been designated by the
                                                                U.S. government as a “terrorist supporting”
                                                                country and (ii) you are not listed on any U.S.
                                                                government list of prohibited or restricted parties; (5)
                                                                you must comply with applicable third-party terms of
                                                                agreement when using the mobile application, e.g., if
                                                                you have a VoIP application, then you must not be in
                                                                violation of their wireless data service agreement when
                                                                using the mobile application; and (6) you acknowledge
                                                                and agree that the App Distributors are third-party
                                                                beneficiaries of the terms and conditions in this mobile
                                                                application license contained in these Terms of Use, and
                                                                that each App Distributor will have the right (and will
                                                                be deemed to have accepted the right) to enforce the
                                                                terms and conditions in this mobile application license
                                                                contained in these Terms of Use against you as a
                                                                third-party beneficiary thereof. 
                                                             
                                                            SOCIAL MEDIA
                                                            As part of the functionality
                                                                of the Site, you may link your account with online
                                                                accounts you have with third-party service providers
                                                                (each such account, a “Third-Party Account”)
                                                                by either: (1) providing your Third-Party Account login
                                                                information through the Site; or (2) allowing us to
                                                                access your Third-Party Account, as is permitted under
                                                                the applicable terms and conditions that govern your use
                                                                of each Third-Party Account. You represent and warrant
                                                                that you are entitled to disclose your Third-Party
                                                                Account login information to us and/or grant us access
                                                                to your Third-Party Account, without breach by you of
                                                                any of the terms and conditions that govern your use of
                                                                the applicable Third-Party Account, and without
                                                                obligating us to pay any fees or making us subject to
                                                                any usage limitations imposed by the third-party service
                                                                provider of the Third-Party Account. By granting us
                                                                access to any Third-Party Accounts, you understand that
                                                                (1) we may access, make available, and store (if
                                                                applicable) any content that you have provided to and
                                                                stored in your Third-Party Account (the “Social
                                                                Network Content”) so that it is available on and
                                                                through the Site via your account, including without
                                                                limitation any friend lists and (2) we may submit to and
                                                                receive from your Third-Party Account additional
                                                                information to the extent you are notified when you link
                                                                your account with the Third-Party Account. Depending on
                                                                the Third-Party Accounts you choose and subject to the
                                                                privacy settings that you have set in such Third-Party
                                                                Accounts, personally identifiable information that you
                                                                post to your Third-Party Accounts may be available on
                                                                and through your account on the Site. Please note that
                                                                if a Third-Party Account or associated service becomes
                                                                unavailable or our access to such Third-Party Account is
                                                                terminated by the third-party service provider, then
                                                                Social Network Content may no longer be available on and
                                                                through the Site. You will have the ability to disable
                                                                the connection between your account on the Site and your
                                                                Third-Party Accounts at any time. PLEASE NOTE THAT YOUR
                                                                RELATIONSHIP WITH THE THIRD-PARTY SERVICE PROVIDERS
                                                                ASSOCIATED WITH YOUR THIRD-PARTY ACCOUNTS IS GOVERNED
                                                                SOLELY BY YOUR AGREEMENT(S) WITH SUCH THIRD-PARTY
                                                                SERVICE PROVIDERS. We make no effort to review any
                                                                Social Network Content for any purpose, including but
                                                                not limited to, for accuracy, legality, or
                                                                non-infringement, and we are not responsible for any
                                                                Social Network Content. You acknowledge and agree that
                                                                we may access your email address book associated with a
                                                                Third-Party Account and your contacts list stored on
                                                                your mobile device or tablet computer solely for
                                                                purposes of identifying and informing you of those
                                                                contacts who have also registered to use the Site. You
                                                                can deactivate the connection between the Site and your
                                                                Third-Party Account by contacting us using the contact
                                                                information below or through your account settings (if
                                                                applicable). We will attempt to delete any information
                                                                stored on our servers that was obtained through such
                                                                Third-Party Account, except the username and profile
                                                                picture that become associated with your account.
                                                             
                                                            SUBMISSIONS
                                                            You acknowledge and agree
                                                                that any questions, comments, suggestions, ideas,
                                                                feedback, or other information regarding the Site
                                                                ("Submissions") provided by you to us are
                                                                non-confidential and shall become our sole property. We
                                                                shall own exclusive rights, including all intellectual
                                                                property rights, and shall be entitled to the
                                                                unrestricted use and dissemination of these Submissions
                                                                for any lawful purpose, commercial or otherwise, without
                                                                acknowledgment or compensation to you. You hereby waive
                                                                all moral rights to any such Submissions, and you hereby
                                                                warrant that any such Submissions are original with you
                                                                or that you have the right to submit such Submissions.
                                                                You agree there shall be no recourse against us for any
                                                                alleged or actual infringement or misappropriation of
                                                                any proprietary right in your Submissions.
                                                             
                                                            THIRD-PARTY WEBSITES AND
                                                                CONTENT
                                                            The Site may contain (or you
                                                                may be sent via the Site) links to other websites
                                                                ("Third-Party Websites") as well as articles,
                                                                photographs, text, graphics, pictures, designs, music,
                                                                sound, video, information, applications, software, and
                                                                other content or items belonging to or originating from
                                                                third parties ("Third-Party Content"). Such Third-Party
                                                                Websites and Third-Party Content are not investigated,
                                                                monitored, or checked for accuracy, appropriateness, or
                                                                completeness by us, and we are not responsible for any
                                                                Third-Party Websites accessed through the Site or any
                                                                Third-Party Content posted on, available through, or
                                                                installed from the Site, including the content,
                                                                accuracy, offensiveness, opinions, reliability, privacy
                                                                practices, or other policies of or contained in the
                                                                Third-Party Websites or the Third-Party Content.
                                                                Inclusion of, linking to, or permitting the use or
                                                                installation of any Third-Party Websites or any
                                                                Third-Party Content does not imply approval or
                                                                endorsement thereof by us. If you decide to leave the
                                                                Site and access the Third-Party Websites or to use or
                                                                install any Third-Party Content, you do so at your own
                                                                risk, and you should be aware these Terms of Use no
                                                                longer govern. You should review the applicable terms
                                                                and policies, including privacy and data gathering
                                                                practices, of any website to which you navigate from the
                                                                Site or relating to any applications you use or install
                                                                from the Site. Any purchases you make through
                                                                Third-Party Websites will be through other websites and
                                                                from other companies, and we take no responsibility
                                                                whatsoever in relation to such purchases which are
                                                                exclusively between you and the applicable third party.
                                                                You agree and acknowledge that we do not endorse the
                                                                products or services offered on Third-Party Websites and
                                                                you shall hold us harmless from any harm caused by your
                                                                purchase of such products or services. Additionally, you
                                                                shall hold us harmless from any losses sustained by you
                                                                or harm caused to you relating to or resulting in any
                                                                way from any Third-Party Content or any contact with
                                                                Third-Party Websites.
                                                             
                                                            ADVERTISERS
                                                            We allow advertisers to
                                                                display their advertisements and other information in
                                                                certain areas of the Site, such as sidebar
                                                                advertisements or banner advertisements. If you are an
                                                                advertiser, you shall take full responsibility for any
                                                                advertisements you place on the Site and any services
                                                                provided on the Site or products sold through those
                                                                advertisements. Further, as an advertiser, you warrant
                                                                and represent that you possess all rights and authority
                                                                to place advertisements on the Site, including, but not
                                                                limited to, intellectual property rights, publicity
                                                                rights, and contractual rights. [As an advertiser, you
                                                                agree that such advertisements are subject to our
                                                                Digital Millennium Copyright Act (“DMCA”)
                                                                Notice and Policy provisions as described below, and you
                                                                understand and agree there will be no refund or other
                                                                compensation for DMCA takedown-related issues.] We
                                                                simply provide the space to place such advertisements,
                                                                and we have no other relationship with
                                                                advertisers.  
                                                             
                                                            SITE MANAGEMENT
                                                            We reserve the right, but
                                                                not the obligation, to: (1) monitor the Site for
                                                                violations of these Terms of Use; (2) take appropriate
                                                                legal action against anyone who, in our sole discretion,
                                                                violates the law or these Terms of Use, including
                                                                without limitation, reporting such user to law
                                                                enforcement authorities; (3) in our sole discretion and
                                                                without limitation, refuse, restrict access to, limit
                                                                the availability of, or disable (to the extent
                                                                technologically feasible) any of your Contributions or
                                                                any portion thereof; (4) in our sole discretion and
                                                                without limitation, notice, or liability, to remove from
                                                                the Site or otherwise disable all files and content that
                                                                are excessive in size or are in any way burdensome to
                                                                our systems; and (5) otherwise manage the Site in a
                                                                manner designed to protect our rights and property and
                                                                to facilitate the proper functioning of the Site.
                                                             
                                                            PRIVACY POLICY
                                                            We care about data privacy
                                                                and security. Please review our Privacy
                                                                    Policy . By using the Site, you agree to be
                                                                bound by our Privacy Policy, which is incorporated into
                                                                these Terms of Use. Please be advised the Site is hosted
                                                                in the United States. If you access the Site from the
                                                                European Union, Asia, or any other region of the world
                                                                with laws or other requirements governing personal data
                                                                collection, use, or disclosure that differ from
                                                                applicable laws in the United States, then through your
                                                                continued use of the Site or Services, you are
                                                                transferring your data to the United States, and you
                                                                expressly consent to have your data transferred to and
                                                                processed in the United States. [Further, we do not
                                                                knowingly accept, request, or solicit information from
                                                                children or knowingly market to children. Therefore, in
                                                                accordance with the U.S. Children’s Online Privacy
                                                                Protection Act, if we receive actual knowledge that
                                                                anyone under the age of 13 has provided personal
                                                                information to us without the requisite and verifiable
                                                                parental consent, we will delete that information from
                                                                the Site as quickly as is reasonably practical.]
                                                             
                                                            DIGITAL MILLENNIUM
                                                                COPYRIGHT ACT (DMCA) NOTICE AND POLICY
                                                            Notifications
                                                            We respect the intellectual
                                                                property rights of others. If you believe that any
                                                                material available on or through the Site infringes upon
                                                                any copyright you own or control, please immediately
                                                                notify our Designated Copyright Agent using the contact
                                                                information provided below (a
                                                                “Notification”). A copy of your Notification
                                                                will be sent to the person who posted or stored the
                                                                material addressed in the Notification. Please be
                                                                advised that pursuant to federal law you may be held
                                                                liable for damages if you make material
                                                                misrepresentations in a Notification. Thus, if you are
                                                                not sure that material located on or linked to by the
                                                                Site infringes your copyright, you should consider first
                                                                contacting an attorney.
                                                             
                                                            All Notifications should
                                                                meet the requirements of DMCA 17 U.S.C. § 512(c)(3)
                                                                and include the following information: (1) A physical or
                                                                electronic signature of a person authorized to act on
                                                                behalf of the owner of an exclusive right that is
                                                                allegedly infringed; (2) identification of the
                                                                copyrighted work claimed to have been infringed, or, if
                                                                multiple copyrighted works on the Site are covered by
                                                                the Notification, a representative list of such works on
                                                                the Site; (3) identification of the material that is
                                                                claimed to be infringing or to be the subject of
                                                                infringing activity and that is to be removed or access
                                                                to which is to be disabled, and information reasonably
                                                                sufficient to permit us to locate the material; (4)
                                                                information reasonably sufficient to permit us to
                                                                contact the complaining party, such as an address,
                                                                telephone number, and, if available, an email address at
                                                                which the complaining party may be contacted; (5) a
                                                                statement that the complaining party has a good faith
                                                                belief that use of the material in the manner complained
                                                                of is not authorized by the copyright owner, its agent,
                                                                or the law; and (6) a statement that the information in
                                                                the notification is accurate, and under penalty of
                                                                perjury, that the complaining party is authorized to act
                                                                on behalf of the owner of an exclusive right that is
                                                                allegedly infringed upon.
                                                             
                                                            Counter Notification
                                                            If you believe your own
                                                                copyrighted material has been removed from the Site as a
                                                                result of a mistake or misidentification, you may submit
                                                                a written counter notification to [us/our Designated
                                                                Copyright Agent] using the contact information provided
                                                                below (a “Counter Notification”). To be an
                                                                effective Counter Notification under the DMCA, your
                                                                Counter Notification must include substantially the
                                                                following: (1) identification of the material that has
                                                                been removed or disabled and the location at which the
                                                                material appeared before it was removed or disabled; (2)
                                                                a statement that you consent to the jurisdiction of the
                                                                Federal District Court in which your address is located,
                                                                or if your address is outside the United States, for any
                                                                judicial district in which we are located; (3) a
                                                                statement that you will accept service of process from
                                                                the party that filed the Notification or the party's
                                                                agent; (4) your name, address, and telephone number; (5)
                                                                a statement under penalty of perjury that you have a
                                                                good faith belief that the material in question was
                                                                removed or disabled as a result of a mistake or
                                                                misidentification of the material to be removed or
                                                                disabled; and (6) your physical or electronic signature.
                                                            
                                                             
                                                            If you send us a valid,
                                                                written Counter Notification meeting the requirements
                                                                described above, we will restore your removed or
                                                                disabled material, unless we first receive notice from
                                                                the party filing the Notification informing us that such
                                                                party has filed a court action to restrain you from
                                                                engaging in infringing activity related to the material
                                                                in question. Please note that if you materially
                                                                misrepresent that the disabled or removed content was
                                                                removed by mistake or misidentification, you may be
                                                                liable for damages, including costs and attorney's fees.
                                                                Filing a false Counter Notification constitutes perjury.
                                                            
                                                             
                                                            Designated Copyright Agent
                                                            
                                                            Money Manager 365
                                                            Copyright Agent
                                                            Moneymanager365@gmail.com
                                                            
                                                             
                                                            COPYRIGHT INFRINGEMENTS
                                                            
                                                            We respect the intellectual
                                                                property rights of others. If you believe that any
                                                                material available on or through the Site infringes upon
                                                                any copyright you own or control, please immediately
                                                                notify us using the contact information provided below
                                                                (a “Notification”). A copy of your
                                                                Notification will be sent to the person who posted or
                                                                stored the material addressed in the Notification.
                                                                Please be advised that pursuant to federal law you may
                                                                be held liable for damages if you make material
                                                                misrepresentations in a Notification. Thus, if you are
                                                                not sure that material located on or linked to by the
                                                                Site infringes your copyright, you should consider first
                                                                contacting an attorney.]
                                                             
                                                            TERM AND TERMINATION
                                                            These Terms of Use shall
                                                                remain in full force and effect while you use the Site.
                                                                WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS OF
                                                                USE, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND
                                                                WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF
                                                                THE SITE (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO
                                                                ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING
                                                                WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION,
                                                                WARRANTY, OR COVENANT CONTAINED IN THESE TERMS OF USE OR
                                                                OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE
                                                                YOUR USE OR PARTICIPATION IN THE SITE OR DELETE [YOUR
                                                                ACCOUNT AND] ANY CONTENT OR INFORMATION THAT YOU POSTED
                                                                AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.
                                                            
                                                             
                                                            If we terminate or suspend
                                                                your account for any reason, you are prohibited from
                                                                registering and creating a new account under your name,
                                                                a fake or borrowed name, or the name of any third party,
                                                                even if you may be acting on behalf of the third party.
                                                                In addition to terminating or suspending your account,
                                                                we reserve the right to take appropriate legal action,
                                                                including without limitation pursuing civil, criminal,
                                                                and injunctive redress.
                                                             
                                                            MODIFICATIONS AND
                                                                INTERRUPTIONS
                                                            We reserve the right to
                                                                change, modify, or remove the contents of the Site at
                                                                any time or for any reason at our sole discretion
                                                                without notice. However, we have no obligation to update
                                                                any information on our Site. We also reserve the right
                                                                to modify or discontinue all or part of the Site without
                                                                notice at any time. We will not be liable to you or any
                                                                third party for any modification, price change,
                                                                suspension, or discontinuance of the Site.
                                                             
                                                            We cannot guarantee the Site
                                                                will be available at all times. We may experience
                                                                hardware, software, or other problems or need to perform
                                                                maintenance related to the Site, resulting in
                                                                interruptions, delays, or errors. We reserve the right
                                                                to change, revise, update, suspend, discontinue, or
                                                                otherwise modify the Site at any time or for any reason
                                                                without notice to you. You agree that we have no
                                                                liability whatsoever for any loss, damage, or
                                                                inconvenience caused by your inability to access or use
                                                                the Site during any downtime or discontinuance of the
                                                                Site. Nothing in these Terms of Use will be construed to
                                                                obligate us to maintain and support the Site or to
                                                                supply any corrections, updates, or releases in
                                                                connection therewith.
                                                             
                                                            GOVERNING LAW
                                                            These Terms of Use and your
                                                                use of the Site are governed by and construed in
                                                                accordance with the laws of the State of [name of state]
                                                                applicable to agreements made and to be entirely
                                                                performed within the State/Commonwealth of [name of
                                                                state], without regard to its conflict of law
                                                                principles.
                                                             
                                                            DISPUTE RESOLUTION
                                                            Option 1:
                                                                Any legal action of whatever nature brought by either
                                                                you or us (collectively, the “Parties” and
                                                                individually, a “Party”) shall be commenced
                                                                or prosecuted in the state and federal courts located in
                                                                [name of county] County, [name of state], and the
                                                                Parties hereby consent to, and waive all defenses of
                                                                lack of personal jurisdiction and forum non conveniens
                                                                with respect to venue and jurisdiction in such state and
                                                                federal courts. Application of the United Nations
                                                                Convention on Contracts for the International Sale of
                                                                Goods and the Uniform Computer Information Transaction
                                                                Act (UCITA) are excluded from these Terms of Use. In no
                                                                event shall any claim, action, or proceeding brought by
                                                                either Party related in any way to the Site be commenced
                                                                more than 10 years after the cause of action arose.
                                                             
                                                            Option 2: Informal
                                                                Negotiations
                                                            To expedite resolution and
                                                                control the cost of any dispute, controversy, or claim
                                                                related to these Terms of Use (each a "Dispute" and
                                                                collectively, the “Disputes”) brought by
                                                                either you or us (individually, a “Party”
                                                                and collectively, the “Parties”), the
                                                                Parties agree to first attempt to negotiate any Dispute
                                                                (except those Disputes expressly provided below)
                                                                informally for at least 10 days before
                                                                initiating arbitration. Such informal negotiations
                                                                commence upon written notice from one Party to the other
                                                                Party.
                                                             
                                                            Binding Arbitration
                                                            If the Parties are unable to
                                                                resolve a Dispute through informal negotiations, the
                                                                Dispute (except those Disputes expressly excluded below)
                                                                will be finally and exclusively resolved by binding
                                                                arbitration. YOU UNDERSTAND THAT WITHOUT THIS PROVISION,
                                                                YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY
                                                                TRIAL. The arbitration shall be commenced and conducted
                                                                under the Commercial Arbitration Rules of the American
                                                                Arbitration Association ("AAA") and, where appropriate,
                                                                the AAA’s Supplementary Procedures for Consumer
                                                                Related Disputes ("AAA Consumer Rules"), both of which
                                                                are available at the AAA website www.adr.org. Your
                                                                arbitration fees and your share of arbitrator
                                                                compensation shall be governed by the AAA Consumer Rules
                                                                and, where appropriate, limited by the AAA Consumer
                                                                Rules. [If such costs are determined to by the
                                                                arbitrator to be excessive, we will pay all arbitration
                                                                fees and expenses.] The arbitration may be conducted in
                                                                person, through the submission of documents, by phone,
                                                                or online. The arbitrator will make a decision in
                                                                writing, but need not provide a statement of reasons
                                                                unless requested by either Party. The arbitrator must
                                                                follow applicable law, and any award may be challenged
                                                                if the arbitrator fails to do so. Except where otherwise
                                                                required by the applicable AAA rules or applicable law,
                                                                the arbitration will take place in [name of county]
                                                                County, [name of state]. Except as otherwise provided
                                                                herein, the Parties may litigate in court to compel
                                                                arbitration, stay proceedings pending arbitration, or to
                                                                confirm, modify, vacate, or enter judgment on the award
                                                                entered by the arbitrator.
                                                             
                                                            If for any reason, a Dispute
                                                                proceeds in court rather than arbitration, the Dispute
                                                                shall be commenced or prosecuted in the state and
                                                                federal courts located in [name of county] County, [name
                                                                of state], and the Parties hereby consent to, and waive
                                                                all defenses of lack of personal jurisdiction, and forum
                                                                non conveniens with respect to venue and jurisdiction in
                                                                such state and federal courts. Application of the
                                                                United Nations Convention on Contracts for the
                                                                International Sale of Goods and the the Uniform Computer
                                                                Information Transaction Act (UCITA) are excluded from
                                                                these Terms of Use.
                                                             
                                                            In no event shall any
                                                                Dispute brought by either Party related in any way to
                                                                the Site be commenced more than 5 years after the cause
                                                                of action arose. If this provision is found to be
                                                                illegal or unenforceable, then neither Party will elect
                                                                to arbitrate any Dispute falling within that portion of
                                                                this provision found to be illegal or unenforceable and
                                                                such Dispute shall be decided by a court of competent
                                                                jurisdiction within the courts listed for jurisdiction
                                                                above, and the Parties agree to submit to the personal
                                                                jurisdiction of that court.
                                                             
                                                            Option 3: Binding
                                                                Arbitration
                                                            To expedite resolution and
                                                                control the cost of any dispute, controversy or claim
                                                                related to these Terms of Use (each a "Dispute" and
                                                                collectively, “Disputes”), any Dispute
                                                                brought by either you or us (individually, a
                                                                “Party” and collectively, the
                                                                “Parties”) shall be finally and exclusively
                                                                resolved by binding arbitration. YOU UNDERSTAND THAT
                                                                WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE
                                                                IN COURT AND HAVE A JURY TRIAL. The arbitration shall be
                                                                commenced and conducted under the Commercial Arbitration
                                                                Rules of the American Arbitration Association ("AAA")
                                                                and, where appropriate, the AAA’s Supplementary
                                                                Procedures for Consumer Related Disputes ("AAA Consumer
                                                                Rules"), both of which are available at the AAA website
                                                                www.adr.org. Your arbitration fees and your share of
                                                                arbitrator compensation shall be governed by the AAA
                                                                Consumer Rules and, where appropriate, limited by the
                                                                AAA Consumer Rules. [If such costs are determined to by
                                                                the arbitrator to be excessive, we will pay all
                                                                arbitration fees and expenses.] The arbitration may be
                                                                conducted in person, through the submission of
                                                                documents, by phone, or online. The arbitrator will make
                                                                a decision in writing, but need not provide a statement
                                                                of reasons unless requested by either Party. The
                                                                arbitrator must follow applicable law, and any award may
                                                                be challenged if the arbitrator fails to do so. Except
                                                                where otherwise required by the applicable AAA rules or
                                                                applicable law, the arbitration will take place in [name
                                                                of county] County, [name of state]. Except as otherwise
                                                                provided herein, the Parties may litigate in court to
                                                                compel arbitration, stay proceedings pending
                                                                arbitration, or to confirm, modify, vacate, or enter
                                                                judgment on the award entered by the arbitrator.
                                                             
                                                            If for any reason, a Dispute
                                                                proceeds in court rather than arbitration, the Dispute
                                                                shall be commenced or prosecuted in the state and
                                                                federal courts located in [name of county] County, [name
                                                                of state], and the Parties hereby consent to, and waive
                                                                all defenses of lack of, personal jurisdiction, and
                                                                forum non conveniens with respect to venue and
                                                                jurisdiction in such state and federal
                                                                courts. Application of the United Nations
                                                                Convention on Contracts for the International Sale of
                                                                Goods and the Uniform Computer Information Transaction
                                                                Act (UCITA) are excluded from these Terms of Use.
                                                             
                                                            In no event shall any
                                                                Dispute brought by either Party related in any way to
                                                                the Site or Services be commenced more than 5 years
                                                                after the cause of action arose. If this provision is
                                                                found to be illegal or unenforceable, then neither Party
                                                                will elect to arbitrate any Dispute falling within that
                                                                portion of this provision found to be illegal or
                                                                unenforceable and such Dispute shall be decided by a
                                                                court of competent jurisdiction within the courts listed
                                                                for jurisdiction above, and the Parties agree to submit
                                                                to the personal jurisdiction of that court.
                                                             
                                                            Option 2/Option 3:
                                                                Restrictions
                                                            The Parties agree that any
                                                                arbitration shall be limited to the Dispute between the
                                                                Parties individually. To the full extent permitted by
                                                                law, (a) no arbitration shall be joined with any other
                                                                proceeding; (b) there is no right or authority for any
                                                                Dispute to be arbitrated on a class-action basis or to
                                                                utilize class action procedures; and (c) 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.
                                                             
                                                            Option 2/Option 3:
                                                                Exceptions to [Informal Negotiations and] Arbitration
                                                            
                                                            The Parties agree that the
                                                                following Disputes are not subject to the above
                                                                provisions concerning [informal negotiations and]
                                                                binding arbitration: (a) any Disputes seeking to enforce
                                                                or protect, or concerning the validity of, any of the
                                                                intellectual property rights of a Party; (b) any Dispute
                                                                related to, or arising from, allegations of theft,
                                                                piracy, invasion of privacy, or unauthorized use; and
                                                                (c) any claim for injunctive relief. If this provision
                                                                is found to be illegal or unenforceable, then neither
                                                                Party will elect to arbitrate any Dispute falling within
                                                                that portion of this provision found to be illegal or
                                                                unenforceable and such Dispute shall be decided by a
                                                                court of competent jurisdiction within the courts listed
                                                                for jurisdiction above, and the Parties agree to submit
                                                                to the personal jurisdiction of that court.
                                                             
                                                            CORRECTIONS
                                                            There may be information on
                                                                the Site that contains typographical errors,
                                                                inaccuracies, or omissions that may relate to the Site,
                                                                including descriptions, pricing, availability, and
                                                                various other information. We reserve the right to
                                                                correct any errors, inaccuracies, or omissions and to
                                                                change or update the information on the Site at any
                                                                time, without prior notice.
                                                             
                                                            DISCLAIMER
                                                            THE SITE IS PROVIDED ON AN
                                                                AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF
                                                                THE SITE SERVICES WILL BE AT YOUR SOLE RISK. TO THE
                                                                FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL
                                                                WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE
                                                                SITE AND YOUR USE THEREOF, INCLUDING, WITHOUT
                                                                LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY,
                                                                FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
                                                                WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE
                                                                ACCURACY OR COMPLETENESS OF THE SITE’S CONTENT OR
                                                                THE CONTENT OF ANY WEBSITES LINKED TO THIS SITE AND WE
                                                                WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1)
                                                                ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND
                                                                MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF
                                                                ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND
                                                                USE OF THE SITE, (3) ANY UNAUTHORIZED ACCESS TO OR USE
                                                                OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL
                                                                INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN,
                                                                (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR
                                                                FROM THE SITE, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR
                                                                THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE
                                                                BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS
                                                                IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE
                                                                OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY
                                                                CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE
                                                                VIA THE SITE. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR
                                                                ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE
                                                                ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SITE,
                                                                ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE
                                                                APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING,
                                                                AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE
                                                                RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU
                                                                AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.
                                                                AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY
                                                                MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST
                                                                JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.
                                                             
                                                            LIMITATIONS OF LIABILITY
                                                            
                                                            IN NO EVENT WILL WE OR OUR
                                                                DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY
                                                                THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL,
                                                                EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES,
                                                                INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR
                                                                OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE, EVEN IF
                                                                WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
                                                                [NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED
                                                                HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER
                                                                AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL
                                                                TIMES BE LIMITED TO [THE LESSER OF] [THE AMOUNT PAID, IF
                                                                ANY, BY YOU TO US DURING THE THREE MONTH PERIOD PRIOR TO
                                                                ANY CAUSE OF ACTION ARISING. CERTAIN STATE LAWS DO NOT
                                                                ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION
                                                                OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO
                                                                YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS
                                                                MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL
                                                                RIGHTS.]
                                                             
                                                            INDEMNIFICATION
                                                            You agree to defend,
                                                                indemnify, and hold us harmless, including our
                                                                subsidiaries, affiliates, and all of our respective
                                                                officers, agents, partners, and employees, from and
                                                                against any loss, damage, liability, claim, or demand,
                                                                including reasonable attorneys’ fees and expenses,
                                                                made by any third party due to or arising out of: (1)
                                                                [your Contributions]; (2) use of the Site; (3) breach of
                                                                these Terms of Use; (4) any breach of your
                                                                representations and warranties set forth in these Terms
                                                                of Use; (5) your violation of the rights of a third
                                                                party, including but not limited to intellectual
                                                                property rights; or (6) any overt harmful act toward any
                                                                other user of the Site with whom you connected via the
                                                                Site. Notwithstanding the foregoing, we reserve the
                                                                right, at your expense, to assume the exclusive defense
                                                                and control of any matter for which you are required to
                                                                indemnify us, and you agree to cooperate, at your
                                                                expense, with our defense of such claims. We will use
                                                                reasonable efforts to notify you of any such claim,
                                                                action, or proceeding which is subject to this
                                                                indemnification upon becoming aware of it. 
                                                             
                                                            USER DATA
                                                            We will maintain certain
                                                                data that you transmit to the Site for the purpose of
                                                                managing the Site, as well as data relating to your use
                                                                of the Site. Although we perform regular routine backups
                                                                of data, you are solely responsible for all data that
                                                                you transmit or that relates to any activity you have
                                                                undertaken using the Site. You agree that we shall have
                                                                no liability to you for any loss or corruption of any
                                                                such data, and you hereby waive any right of action
                                                                against us arising from any such loss or corruption of
                                                                such data.
                                                             
                                                            ELECTRONIC COMMUNICATIONS,
                                                                TRANSACTIONS, AND SIGNATURES
                                                            Visiting the Site, sending
                                                                us emails, and completing online forms constitute
                                                                electronic communications. You consent to receive
                                                                electronic communications, and you agree that all
                                                                agreements, notices, disclosures, and other
                                                                communications we provide to you electronically, via
                                                                email and on the Site, satisfy any legal requirement
                                                                that such communication be in writing. YOU HEREBY AGREE
                                                                TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS,
                                                                AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF
                                                                NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED
                                                                OR COMPLETED BY US OR VIA THE SITE. You hereby waive any
                                                                rights or requirements under any statutes, regulations,
                                                                rules, ordinances, or other laws in any jurisdiction
                                                                which require an original signature or delivery or
                                                                retention of non-electronic records, or to payments or
                                                                the granting of credits by any means other than
                                                                electronic means.
                                                             
                                                            CALIFORNIA USERS AND
                                                                RESIDENTS
                                                            If any complaint with us is
                                                                not satisfactorily resolved, you can contact the
                                                                Complaint Assistance Unit of the Division of Consumer
                                                                Services of the California Department of Consumer
                                                                Affairs in writing at 1625 North Market Blvd., Suite N
                                                                112, Sacramento, California 95834 or by telephone at
                                                                (800) 952-5210 or (916) 445-1254.
                                                             
                                                            MISCELLANEOUS
                                                            These Terms of Use and any
                                                                policies or operating rules posted by us on the Site
                                                                constitute the entire agreement and understanding
                                                                between you and us. Our failure to exercise or enforce
                                                                any right or provision of these Terms of Use shall not
                                                                operate as a waiver of such right or provision. These
                                                                Terms of Use operate to the fullest extent permissible
                                                                by law. We may assign any or all of our rights and
                                                                obligations to others at any time. We shall not be
                                                                responsible or liable for any loss, damage, delay, or
                                                                failure to act caused by any cause beyond our reasonable
                                                                control. If any provision or part of a provision of
                                                                these Terms of Use is determined to be unlawful, void,
                                                                or unenforceable, that provision or part of the
                                                                provision is deemed severable from these Terms of Use
                                                                and does not affect the validity and enforceability of
                                                                any remaining provisions. There is no joint venture,
                                                                partnership, employment or agency relationship created
                                                                between you and us as a result of these Terms of Use or
                                                                use of the Site. You agree that these Terms of Use will
                                                                not be construed against us by virtue of having drafted
                                                                them. You hereby waive any and all defenses you may have
                                                                based on the electronic form of these Terms of Use and
                                                                the lack of signing by the parties hereto to execute
                                                                these Terms of Use.
                                                             
                                                            CONTACT US 
                                                            In order to resolve a
                                                                complaint regarding the Site or to receive further
                                                                information regarding use of the Site, please contact us
                                                                at:
                                                             
                                                            Money Manager 365
                                                            Moneymanager365@gmail.com

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Option 2: Informal Negotiations

Binding Arbitration

Option 3: Binding Arbitration

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LIMITATIONS OF LIABILITY

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CALIFORNIA USERS AND RESIDENTS

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About Money Manager 365

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