Terms of Service

STOP USING THIS SITE IMMEDIATELY IF YOU ARE UNWILLING OR UNABLE TO COMPLY WITH THESE TERMS OF SERVICE.

  1. Contact Information

    Contact our legal department if you need to report a Terms of Service violation or ask a question about the Terms of Service.

  2. Definitions:
    • "Using" My Finances means accessing, browsing, crawling, scraping, or performing any other activities that connect to or make use of My Finances in some way.
    • The words "you" and "your" refer to the user who is reading this agreement.
    • The words "we" and "us" refer to My Finances.
    • The word "content" refers to any form of media or data, including but not limited to text, photos, graphics, audio, and video.
    • "Terms of Service" means all terms contained in this agreement as well as this site's privacy policy and all other guidelines posted anywhere on My Finances.
    • "User content" means all content submitted to My Finances or made available by users, collectively.
    • "Your content" means all content that you submit or make available, including but not limited to reviews, ratings, compliments, information, and invitations displayed as part of your profile.
    • "My Finances content" means all content created or made available by My Finances.
    • "Third party content" means all content created or made available by data providers who license data to My Finances for use on the site, or other parties other than My Finances or its users.
    • "Site content" means all types of content, collectively.
  3. Eligibility

    You must be at least 18 years old and a United States resident to use this site. If you use My Finances or post content to it for any business or commercial entity, you must be an authorized representative of that entity and you agree to bind that entity to these Terms of Service. If you do not meet these user eligibility requirements or if you do not have the authority to bind your company to these terms of service, you may not use this site.

  4. Permission to Use

    We grant you permission to use My Finances under the restrictions described in these Terms of Service. You may at times be exposed to inaccurate, objectionable, indecent, offensive, or otherwise inappropriate content. We do not vouch for the accuracy of such content, nor do we encourage or endorse it.

  5. Restrictions

    You agree to not directly or indirectly encourage or participate in any of the following activities:

    1. Use My Finances to stalk, defraud, threaten, harass, or otherwise harm any other person.
    2. Attempt to gain unauthorized access to any part of the site, including user accounts, computer systems, or networks connected to the site, using password mining, hacking, or any other illegal or unethical methods.
    3. Violate the My Finances Terms of Service or any applicable law.
    4. Cause excessive network traffic.
    5. Use the site for bigoted or discriminatory purposes.
    6. Affect natural search results in any way through your use of My Finances, for example, by keyword spamming.
    7. Alter or omit any part of My Finances's copyright, trademark, or other proprietary rights notices on anything you copy, print, or distribute from the site.
    8. Use My Finances to solicit information from minors or cause harm to minors.
    9. Use My Finances in any way that might create a conflict of interest or the appearance of a conflict of interest, for example, soliciting reviews or trading reviews with other businesses.
    10. Reverse engineer any part of My Finances, except as permitted by law.
    11. Remove, circumvent, disable, interfere with, or damage any of this site's security features, including but not limited to those that prevent unauthorized copying of site content or those that limit site use.
    12. Use My Finances to submit, display, or transmit illegal or pornographic content.
    13. Use My Finances or content found within it as a means of transmitting destructive items including but not limited to viruses, worms, or Trojan horses (collectively, "viruses").
    14. Use the site to identify passwords or security encryption codes, disrupt security, or cause harm to the site or site content.
    15. Use any software or devices to interfere with the proper working order of the site.
    16. Data mine, process, or record any data about My Finances or its users.
    17. Exploit the site or site content (other than your content) through modification, adaptation, translation, sale, reproduction, distribution, trade, or creation of derivative works or adaptations of site content or the site itself.
    18. Use My Finances in a manner that violates the rights of other users or third parties. Examples include but are not limited to breaching confidence, copyright, patent, trademark, trade secret, privacy right, moral right, right of publicity or any other right, proprietary or intellectual.
    19. Use My Finances for commercial or promotional purposes not expressly allowed by our terms of service.
    20. Access, index, or scrape this site or any of its content using any automatic or partially automatic method or process as a means to (a) frame or reformat any part of My Finances, (b) build, develop, or populate a database of business-focused reviews, or (c) take any action that will impose, or, in the site's opinion, may possibly impose an unreasonable load on our systems.
  6. User Accounts

    To access certain features of My Finances, you may need to log in using a Facebook account. You will have to create a Facebook account to access these features if you do not already have one. You agree to keep your account password secure, and you accept responsibility for any activity associated with your account. You agree to notify us immediately if you know or suspect that someone other than you is using your account.

    • "Personal Accounts" are those that you use for your own personal, non-commercial purposes. To ensure your credibility as a valuable site contributor, you agree to provide accurate and complete information about yourself when creating your personal account. You may not create multiple personal accounts or provide another person's e-mail address or impersonate another person in any way.
    • "Business Accounts" are accounts that you use solely for representing a business. To create an account for your business, you must be an authorized representative of the business, and you must register using a Facebook account. You agree to submit accurate and complete information about yourself and the business when creating your business account. You may not create more than one business account for the same organization or register business e-mail addresses that you do not have permission to register.
  7. Content and Responsibility

    You may be exposed to liability if (a) your content violates any third-party right, including but not limited to rights involving copyright, patent, trademark, trade secret, moral right, privacy right, publicity right, or any other right, intellectual or proprietary; or (b) your content contains information that is false or intentionally misleading, defamatory information, information containing hate speech or pornography, information that harms or exploits minors, unlawful information, or information that violates or encourages others to violate laws or regulations.

    Your content is solely your responsibility. My Finances bears no liability for your content. You assume any and all risks associated with your content, including but not limited to reliance on accuracy, completeness, or usefulness and disclosures that reveal your identity. You may not imply in any way that your content is endorsed or sponsored by My Finances. Upon posting content on My Finances, you represent that you own the posted content or you have permission to use it and to authorize its use for other purposes.

  8. Content Permissions

    Your content may be displayed on My Finances, incorporated into other works, used for promotion, used to create derivative works, distributed, or used for any other lawful purpose. Others may also do the same in connection with their own websites or media platforms ("other media"). By posting your content or otherwise making it available, you grant irrevocable permission to use your content for any purpose and you consent to waive any moral rights, attribution claims, and assertions for your content. You also agree to grant access to your content to My Finances and users of other media in connection with their use of the site and any other media.

  9. Content Uses.

    We may remove or reinstate user content at any time and for any reason at our discretion. Specifically, we may remove content that is determined to violate our Terms of Service or that we believe to be inappropriate.

    You do not own rights or any entitlements to compensation for advertisements that run alongside your content or anywhere else on the site. Advertising manner, mode, and extent are subject to change without notice.

    To help distribute content widely and easily, some of the site content (also "feed content") is made available through Real Simple Syndication (RSS) and Atom feeds (collectively, "feeds"). Users may access feeds to display feed content on their computers, handheld devices, or websites, provided that (a) such use is personal and not commercial, (b) displayed feeds link back to relevant pages on the site and attribute My Finances as the source, (c) you do not suggest through use or display of Feed Content that My Finances endorses or promotes any third-party causes, products, ideas, websites, or services, (d) you do not redistribute the feed content, and (e) My Finances's systems are not overburdened by your accessing the feeds. We reserve the right to terminate access to any feed at any time and for any reason.

  10. Unauthorized Access

    We strictly and expressly forbid unauthorized access to My Finances. We reserve the right to use any means necessary to prevent unauthorized access, including but not limited to contacting your Internet Service Provider (ISP), mapping IP addresses, and using technological or programmatic barriers.

  11. Investigations

    My Finances is under no obligation to monitor the site or its Content. However, if we believe a possible Terms of Service violation has occurred, we reserve the right to investigate, contact appropriate law enforcement personnel as necessary, and/or block you from the site. In compliance with the Privacy Policy listed on this page, information may be prudently disclosed, including some or all of your content.

  12. Third Parties
    1. You may see links to other websites ("third party sites"). Responsibility for third party content lies with third party sites and not with My Finances. Third party sites are not endorsed or controlled by My Finances.
    2. Some of My Finances's features are powered by Google, Inc. Use of these features is governed by our Terms of Use and Google.com's Terms of Use, which reside at http://maps.google.com/help/terms_maps. Other features are powered by The Microsoft Corporation. These features are governed by their terms of use, located at http://go.microsoft.com/fwlink/?LinkId=21969. Microsoft Corporation's privacy policy is located here: http://go.microsoft.com/fwlink/?LinkId21970. These URLs might have been changed.
  13. Account Termination

    We may, for any or no reason and at any time, terminate or suspend your account or ability to use the site without notice or liability. For example, if we suspect that you are involved in illegal activity or you are found to be in breach of these Terms of Service, we may terminate or suspend your account. If your account is terminated or suspended, you may be prevented from accessing your account, your content, the site content, and/or any related data.

  14. Site Availability

    We may change, update, or discontinue My Finances at any time, for any reason, at our discretion, without notice or liability.

  15. Ownership

    My Finances content elements include interactive features, computer code, products, compilations, visual interfaces, graphics, designs, software, aggregate user reviews and ratings, and all other elements of My Finances, including user and third-party content. These elements are owned by My Finances. Changing, distributing, reproducing, publicly displaying, creating derivative works or adaptations, or exploiting the My Finances content, in whole or in part, is prohibited unless expressly authorized by the site. No express or implied rights are provided to users, other than those provided by these Terms of Service. We retain all rights in and to My Finances and all site content. Also, all copyrights, trademarks, service marks, trade names, and intellectual and proprietary rights throughout the world ("IP Rights") that are associated with My Finances in any way, whether with its content or with the site itself, are also owned by the site, except where otherwise noted. These IP Rights are protected by trademark, patent, and trade dress laws, and all applicable intellectual and proprietary rights and laws.

  16. Feedback
    1. Site Enhancements or Suggestions. If you think of ways in which My Finances could be improved, use our "Contact Us" form. By sending us feedback in any form (for example, suggestions, ideas, requests, or proposals), you certify that (a) My Finances is under no express or implied obligation to keep the feedback confidential, (b) similar feedback may already be in development or under consideration, (c) your feedback does not contain confidential or proprietary information about third parties, and (d) you grant My Finances a royalty-free, irrevocable, non-exclusive, perpetual, worldwide license to use, modify, publish, distribute, and sublicense the feedback and all improvements resulting from it.
    2. Dissatisfaction. To help us continually improve your user experience, we also invite you to share negative feedback with us by using our Contact Us page. However, terminating your account and discontinuing use of My Finances is the only way to fully remedy your dissatisfaction with the site, these Terms of Service, our policies or practices, or any site content.
  17. Indemnity

    You agree that you will indemnify and hold harmless My Finances and all of its parents, subsidiaries, affiliates, related companies, licensors, partners, and suppliers, as well as the directors, employees, officers, agents, and representatives of each of these entities. The terms of this indemnification (hold-harmless) agreement include but are not limited to costs, liabilities, and legal fees from any demand or claim made by a third-party arising from (a) your Terms of Service violation, (b) your access to or use of My Finances, or (c) any infringement by you or a person using your account of any property, intellectual, or other right of any person or entity. You consent to cooperate with claims as My Finances, at your expense, reserves the right to assume exclusive defense and control of any matter in which you are required to indemnify us. We will make reasonable efforts to make you aware of any legal claim, action, or proceeding. You may not settle any matter without written consent from us.

  18. Warranties, Disclaimers, and Limitations of Liability.
    • ANY AND ALL LIABILITY FOR LOSS OR DAMAGE DUE TO THE USE OF THE SITE AND SITE CONTENT IS FURTHER DISCLAIMED BY MY FINANCES. USE OF THIS SITE IS DONE AT YOUR OWN DISCRETION AND RISK. ANY RESULTING LOSS OR DAMAGE IS SOLELY YOUR RESPONSIBILITY. THIS INCLUDES, BUT IS NOT LIMITED TO, DAMAGE RESULTING FROM VIRUSES THAT YOU MAY DOWNLOAD DURING YOUR USE OF THE SITE.
    • MY FINANCES DISCLAIMS ALL LIABILITY FOR ANY (1) DAMAGES, BE THEY RELIANCE, EXEMPLARY, INCIDENTAL, PUNITIVE, SPECIAL, OR INDIRECT, (2) PROFIT LOSS, (3) DAMAGE TO OR LOSS OF REPUTATION OF My Finances OR ANY THIRD PARTY, (4) INTERRUPTION OF BUSINESS, OR (5) INFORMATION OR DATA LOSS.
    • NO WARRANTIES OF ANY KIND, EXPRESS, STATUTORY, OR IMPLIED, ARE MADE BY MY FINANCES AS TO (1) SITE OPERATION OR FUNCTIONALITY, (2) THE IP RIGHTS, SAFETY, USEFULNESS, LEGALITY, QUALITY, COMPLETENESS, INTEGRITY AND ACCURACY OF ANY SITE CONTENT, WHICH INCLUDES, BUT IS NOT LIMITED TO THE ACCURACY OF BUSINESS INFORMATION AND REVIEWS LISTED ON THE SITE, AND (3) ANY SERVICES AND/OR PRODUCTS SOLD BY LISTED BUSINESSES. ALL CONTENT CONTAINED ON MY FINANCES AND THE SITE ITSELF ARE AVAILABLE TO YOU ON AN "AS IS" BASIS. MY FINANCES DISCLAIMS ALL WARRANTIES, EXPRESS, STATUTORY, OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, MERCHANTABLE QUALITY, DURABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT WARRANTIES. ANY INFORMATION OR ADVICE, WHETHER ORAL OR WRITTEN, THAT IS OBTAINED FROM MY FINANCES SHALL NOT CREATE ANY WARRANTY, REPRESENTATION, OR CONDITION NOT EXPRESSLY STATED HEREIN.
    • ALL LIABILITY FOR LOSSES OR DAMAGE ARISING FROM YOUR DEALINGS OR COMMUNICATIONS WITH THE BUSINESSES, ADVERTISERS OR USERS ON THE SITE IS DISCLAIMED BY MY FINANCES. ANY COMMUNICATION WITH THESE ADVERTISERS, BUSINESSES OR USERS IS SOLELY BETWEEN YOU AND THEM AND WILL NOT BE MEDIATED BY MY FINANCES; HOWEVER, MY FINANCES RESERVES THE RIGHT TO MONITOR ANY DISPUTES.
    • SOME JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OF SOME WARRANTIES, THE LIMITATION OR EXCLUSION OF IMPLIED WARRANTIES, OR LIMITATIONS ON THE LENGTH OF A WARRANTY. IN THIS CASE, THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU FULLY, BUT THEY WILL APPLY TO YOU TO THE FULLEST EXTENT OF THE LAW.
    • LIMITED TO THE GREATER OF (1) THE AMOUNT PAID TO THE SITE IN CONNECTION WITH MY FINANCES IN THE 12 MONTHS PRIOR TO THE OFFENDING ACTION OR (2) U.S. $100.00.
  19. Miscellaneous
    • This agreement overrides any and all other previous agreements between you and My Finances.
    • Both parties herein acknowledge that no reliance is placed on any direct or indirect representation contained in these Terms of Service.
    • Either party's failure to exercise, in any respect, any right provided herein will not result in the providing of a waiver.
    • In the event that any provisions found in these Terms of Service are found to be unenforceable or illegal, those provisions will be eliminated or limited to the minimum extent necessary to make them enforceable and legal.
    • The Terms of Service contain the entire agreement between you and My Finances for all instances and types of Site use.
    • These Terms of Service may not be interpreted as authorization of agency, employment, joint venture, or partnership. These Terms of Service do not give you authority to bind My Finances in any way.
    • You may not assign, transfer, or sub-license these Terms of Service without My Finances's written agreement. Any assignment made in violation of these Terms of Service will be void. My Finances reserves the right to assign or transfer the Terms of Service without restriction.
    • Section titles within the Terms of Service are listed for convenience only; they have no contractual or legal effect.
    • You agree that the State of California will govern any dispute regarding or involving My Finances without regard to its conflict of law provisions. You agree to personal jurisdiction by and venue in San Francisco county, California state, and United States federal courts.
    • Nothing contained in these Terms of Service gives rights or remedies to any third party, except where expressly noted.
    • My Finances reserves the right to make necessary changes to these Terms of Service. We will notify you of any such changes by posting the revised Terms of Service on this page with a list of changes. Notifications may also be provided to you through e-mail or regular mail, but this is not required. You agree to periodically revisit this page to read all changes. All changes are in effect as of the moment they are posted on this page. All future changes are binding to you through use of this site. By continuing to use My Finances after we change the Terms of Service, you indicate agreement with all changes.