Welcome to FinWise! By accessing and using the FinWise website (hereinafter referred to as "the Website"), you agree to be bound by these Terms and Conditions (hereinafter referred to as "Terms"). If you do not agree with all of these Terms, then you are expressly prohibited from using the Website and you must discontinue use immediately.
These Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”), and FinWise, concerning your access to and use of the Website. You agree that by accessing the Website, you have read, understood, and agreed to be bound by all of these Terms.
FinWise provides educational resources and information related to personal finance, including but not limited to budgeting, saving, investing, and debt management. The Website offers articles, tools, and guides designed to improve your financial literacy. FinWise does not provide financial advice. All content is for informational purposes only.
You agree to use the Website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Website. Prohibited behavior includes harassing or causing distress or inconvenience to any other user, transmitting obscene or offensive content, or disrupting the normal flow of dialogue within the Website.
Specifically, you agree not to:
The content, layout, design, data, databases, and graphics on this Website are protected by United States and international copyright laws and other intellectual property rights and are owned by FinWise or its licensors. Unless expressly permitted in writing, you may not copy, reproduce, modify, distribute, transmit, display, perform, publish, license, create derivative works from, transfer, or sell any information, software, products, or services obtained from the Website.
FinWise grants you a limited, non-exclusive, revocable license to access and use the Website for your personal, non-commercial use. This license does not include the right to:
The Website is provided on an "as is" and "as available" basis. FinWise makes no representations or warranties of any kind, express or implied, as to the operation of the Website or the information, content, materials, or products included on the Website. You expressly agree that your use of the Website is at your sole risk.
To the fullest extent permissible by applicable law, FinWise disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. FinWise does not warrant that the Website, its servers, or email sent from FinWise are free of viruses or other harmful components. FinWise will not be liable for any damages of any kind arising from the use of the Website, including, but not limited to direct, indirect, incidental, punitive, and consequential damages.
In no event shall FinWise, its directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers, or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.
You agree to indemnify, defend, and hold harmless FinWise and its affiliates, directors, officers, employees, agents, contractors, licensors, service providers, subcontractors, suppliers, interns, and consultants, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access to the Website; (ii) your violation of any term of these Terms; (iii) your violation of any third party right, including without limitation any copyright, property, or privacy right; or (iv) any claim that your content caused damage to a third party.
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. You agree that any legal action or proceeding between FinWise and you for any purpose concerning these Terms or the parties’ obligations hereunder shall be brought exclusively in a federal or state court of competent jurisdiction sitting in San Francisco, California.
FinWise reserves the right, at its sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use the Website after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Website.
If you have any questions about these Terms, please contact us at:
FinWise Legal Department
123 Financial Plaza, Suite 500
San Francisco, CA 94111
Email: legal@finwise.com
Phone: (415) 555-3434