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This Site is solely for you to use the products and services of NAVIGATE MONEY, TO enable you to contact us with any questions or comments, and to provide you with general information and information about our company. Any other use of this Site is prohibited. For example, you may not use any features of this Site that permit communications or postings to post, transmit, display, or otherwise communicate:
In addition, you may not attempt to gain unauthorized access to NAVIGATE MONEY’s computer system or database. You are also restricted from impairing the functionality or engaging in any activity that interferes with the performance of the Site or any services or Materials provided through the Site.
The information contained on this Site, including all writings, graphs, data, images, photographs, designs, information and other materials (“Materials”) are the property of NAVIGATE MONEY, LLC, its content providers, or other parties, and may be protected by trade secrets, copyrights, trademarks, technologies, or other intellectual property rights. You must retain all copyright and other proprietary notices on all Materials. You must comply with all applicable copyright laws in your use of this Site and prevent any unauthorized use and/or copying of the Materials. No license or right in any such trade secrets, copyrights, trademarks, technologies, products, processes, or other intellectual property rights of NAVIGATE MONEY or other parties is granted to or conferred upon you. NAVIGATE MONEY does not claim ownership of copyrights or trademarks owned by third parties.
Your rights to view and use the Site Materials are subject to this Agreement. You may not modify or sell Materials on this Site, or reproduce, display publicly or use any of the Materials on this Site in any way for any public or commercial purposes. Permission to reprint or electronically reproduce any of the Materials, in whole or in part, for any other purpose is expressly prohibited absent prior written consent from NAVIGATE MONEY. You may not provide copyrighted or other proprietary information to NAVIGATE MONEY without prior permission from the owner of such material and/or rights. You are responsible for obtaining such permission and also for any damages resulting from unauthorized disclosures or infringement of such information. You shall not use any robot, device, software, or other device or manual process to copy or monitor our Site or the content contained therein, without the prior written consent from an authorized NAVIGATE MONEY representative. Notwithstanding the foregoing, consent is deemed given for standard search engine technology employed by Internet search websites to direct Internet users to this Site.
You may be required to register and create an account in order to access certain Services. You must agree to abide by the terms of this Agreement as part of the registration process. Only users who are at least 18 years of age will be permitted to create an account and connect with us on social media. You may be required to provide NAVIGATE MONEY with certain information about yourself including some types of personally identifying information such as your your location and email. You are solely responsible for your account, including any use by a third party. You are responsible for keeping your password confidential. NAVIGATE MONEY retains the right to suspend, restrict, or terminate your account or deny you access to the Services and any part of the Site. You may cancel your account at any time by contacting us at email@example.com.
To the extent that use of the Services and/or the Site provides you or other users an opportunity to exchange and transmit contact information, feedback, content, ideas, and other information (“User Content”), please note that NAVIGATE MONEY does not edit, screen, or review User Content prior to its posting on the Site. User Content does not necessarily reflect the views of NAVIGATE MONEY. By sending or adding User Content, you represent that you have the full legal right and authority to post the User Content and that the use of the User Content by the Site and all other persons is permitted under this Agreement. User Content submitted on the Site is not treated as confidential, and will become and remain NAVIGATE MONEY’s property.
Upon submission of User Content or other information to this Site, you grant NAVIGATE MONEY a worldwide, non-terminable, perpetual, irrevocable, transferable license to use, access, distribute, reproduce, display, modify, and create derivative works, sublicense, and to permit others to use, access, distribute, reproduce, display, modify and create derivative works based upon the User Content.
NAVIGATE MONEY uses reasonable efforts to ensure that this Site is generally available. However, there could be occasions when access to the Site will be interrupted or unavailable. NAVIGATE MONEY uses commercially reasonably efforts to minimize such disruption which is within our reasonable control. You agree that NAVIGATE MONEY shall not be liable for any modification, suspension or discontinuation of the Site. You understand that the technical processing and transmission of any Site content or Materials may be transferred unencrypted and involve transmissions over various networks and changes to conform and adapt to technical requirements of connecting networks or devices. NAVIGATE MONEY does not guarantee that any information sent from our Site will be secure during transmission, nor can NAVIGATE MONEY guarantee the confidentiality of any communication or material transmitted to NAVIGATE MONEY via the Site or the Internet, unless otherwise so provided.
You expressly agree that use of this Site is at your own risk. Neither NAVIGATE MONEY, LLC, its affiliates, nor any of their officers, members, managers, directors, employees, agents, licensors, content providers or agents (collectively, “Providers”) warrant that use of this Site is uninterrupted or error-free; free of software viruses or other harmful computer code, files or programs; nor does any Provider make any warranty as to the results that may be obtained from the use of this Site, or as to the reliability, accuracy, completeness, security, or currency of the Materials. The Materials may contain errors, omissions, inaccuracies, or outdated information. Further, NAVIGATE MONEY does not warrant the reliability of any statement or other information posted or distributed through or on this Site. NAVIGATE MONEY reserves the right, in its sole discretion, to correct any errors or omissions in any portion of this Site, including User Generated Content. NAVIGATE MONEY reserves the right to make any changes to the Site, the Materials and the products, Services, or prices in this Site at any time without prior notice.
No advice, information, or data, whether oral or written, obtained by you through or from use of the Site shall be intended to provide any legal, tax, investment or financial advice. You agree that NAVIGATE MONEY is not liable for any advice or information provided by third parties, including any professionals listed on the Site. You agree that you are responsible for your own research and financial decisions, and that NAVIGATE MONEY is not responsible or liable for any decisions or actions you take or authorize third parties to take on your behalf based on information you receive as a user of the Site. This Site is not endorsed by or affiliated with FINRA, and NAVIGATE MONEY is not a financial institution or insurance provider. NAVIGATE MONEY does not make and specifically disclaims any representations, warranties, or guarantees, express or implied, regarding the results or savings that may be obtained through the use of the services provided on the Site. Before making any financial decisions or implementing any financial strategy, including recommendations of third parties identified through our services, we recommend that you obtain additional information and advice of accountants or other financial advisors who are fully aware of your individual circumstances.
THIS SITE AND THE INFORMATION, CONTENT, SERVICES AND MATERIALS ON THIS SITE ARE PROVIDED ON AN “AS IS,” “WHERE IS,” AND “WHERE AVAILABLE” BASIS. NAVIGATE MONEY DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, (A) AS TO THE OPERATION OF THIS SITE, (B) AS TO THE CONTENT, INFORMATION, SERVICES OR MATERIALS ON THIS SITE, OR (C) ANY RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS SITE. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NAVIGATE MONEY HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO ANY OF THE MATERIALS, CONTENT, OR INFORMATION ON THIS SITE OR OTHER PRODUCTS OR SERVICES PROVIDED, OFFERED, OR SOLD ON THIS SITE OR YOUR USE OF THIS SITE GENERALLY, INCLUDING WARRANTIES OF MERCHANTABILITY, ACCURACY OF INFORMATION, QUALITY, TITLE, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
THE ABOVE DISCLAIMER MAY NOT APPLY TO THE EXTENT YOUR JURISDICTIONS LIMITS OR DOES NOT ALLOW THE DISCLAIMER OF IMPLIED OR OTHER WARRANTIES.
In addition to all legal remedies, NAVIGATE MONEY may immediately discontinue, suspend, terminate, or block any user’s access to this Site at any time in our sole discretion.
YOU ACKNOWLEDGE AND AGREE THAT NAVIGATE MONEY, LLC AND ITS PROVIDERS SHALL NOT BE LIABLE FOR ANY DAMAGE, LOSS, CLAIM OR EXPENSE OF ANY KIND ARISING OUT OF OR RESULTING FROM YOUR USE OR MISUSE OF THE MATERIALS, CONTENT, OR INFORMATION ON THIS SITE REGARDLESS OF WHETHER SUCH LIABILITY IS BASED IN TORT, CONTRACT, OR OTHERWISE. IN NO EVENT, INCLUDING, WITHOUT LIMITATION, A NEGLIGENT ACT, SHALL NAVIGATE MONEY OR ANY OF ITS PROVIDERS BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, LOSS OF PROFIT, LOSS OR CORRUPTION OF DATA, COMPUTER MALFUNCTION, OR INTERRUPTION OF BUSINESS), ARISING OUT OF OR IN ANY WAY RELATED TO THE MATERIALS, CONTENT, OR INFORMATION ON THIS SITE OR ANY OTHER PRODUCTS, SERVICES, OR INFORMATION OFFERED OR SOLD ON THIS SITE, YOUR USE OF, OR INABILITY TO USE, THIS SITE IN ANY WAY, REGARDLESS OF WHETHER NAVIGATE MONEY OR ANY OF ITS PROVIDERS HAVE BEEN ADVISED OF THE POTENTIAL OF SUCH DAMAGES. THE ABOVE LIMITATION MAY NOT APPLY TO YOU IN FULL AS SOME STATES DO NOT ALLOW THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES.
You agree to indemnify, defend, and hold harmless NAVIGATE MONEY, LLC, and its Providers from and against any and all damages, claims and expenses, including reasonable attorney fees, arising out of or related in any way to your use, misuse or inability to use of this Site, the Materials, products or Services, contained on this Site, any content or information contained on this Site provided by third party Linked Sites, violation of this Agreement, violation of any law or regulation, or violation of any third party proprietary or privacy right.
Any cause of action with respect to your use of this Site must be brought within one (1) year after the claim or cause of action arises, or such claim is barred forever.
If a court of competent jurisdiction finds any provision of this Agreement or portion thereof to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of this Agreement, and the remainder of this Agreement shall continue in full force and effect. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any other breach or default. The failure of NAVIGATE MONEY to require or enforce strict performance of any provision of this Agreement or to exercise any right shall not be construed as a waiver or relinquishment of NAVIGATE MONEY’s right to assert or rely upon any such provision or right at another time.
You agree to be bound by any assent, affirmation, or agreement you transmit through this Site, including but not limited to any consent given to receive communications from NAVIGATE MONEY, solely through electronic transmission. You agree that when you click on an “I agree,” “I consent,” or other similar “button” or entry field with your mouse, finger, or computer device, your consent and agreement is legally binding and enforceable and is the legal equivalent of your handwritten signature.
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You agree to be bound by any affirmation, assent, or agreement you transmit through this Site, including but not limited to any consent you give to receive communications from NAVIGATE MONEY solely through electronic transmission. You agree that when in the future you click on “Register”, “I agree” or other similarly worded “button” or entry field with your mouse, keystroke, or other computer device, your agreement or consent will be legally binding and enforceable and the legal equivalent of your handwritten signature.
In order to access certain services and make purchases from our online store, you will be asked to register and create an account. Only users who are 18 years of age or older will be permitted to create an account or connect with us via social media. You may be required to provide NAVIGATE MONEY with certain information about yourself including some types of personally identifying information such as your email and your location. You are fully responsible for your account, including use of the account by any third party, and you are responsible for maintaining the confidentiality of your password. NAVIGATE MONEY retains the right to restrict, suspend or terminate your account or refuse you access to the Services and any of the Site resources. You may terminate your account at any time by contacting us at firstname.lastname@example.org.
You are responsible for user-generated content (“Content”) that you post. The Site and its owners are not liable for any of your Content under any circumstances.
Because we do not control the Content posted on or through this Site, we cannot and do not warrant or guarantee the truthfulness, integrity, suitability, or quality of that Content. We have no responsibility for any Content, including without limitation any errors or omissions in the Content. We are not liable for any loss or damage of any kind you may claim was incurred as a result of the use of any Content posted, emailed, transmitted or otherwise made available on or through this Site.
By using this Site you are granting us and our subsidiaries, affiliates, successors and assigns, a nonexclusive, fully paid, worldwide, perpetual, irrevocable, royalty-free, transferable license (with the right to sublicense through unlimited levels of sublicensees) to use, copy, modify, distribute, publicly display and perform, publish, transmit, remove, retain repurpose, and commercialize Content (other than content which is copyrighted by others) you post in any and all media or form of communication, without obtaining additional consent, without restriction, notification, or attribution, and without compensating you in any way.
We reserve the right to display advertisements in connection with your Content and to use your Content for advertising and promotional purposes.
We may disclose and/or remove your Content. We have the right (but do not assume the obligation) to:
You agree that our exercise of such discretion shall not render us the owners of Content you post, and that you will retain ownership of your Content.
It is a condition of using our Services and our Site that your Content does not contain:
In consideration of your use of this Site, you agree that to the extent you provide personal information to us it will be true, accurate, current, and complete and that you will update all personal information as necessary. You also agree that you will use an image of yourself that you are authorized to use for your profile picture. The use of third party logos, advertisements, third party contact information, pictures of celebrities or the unauthorized use of images owned by others is prohibited. Company logos may only be posted with prior consent of the company, and NAVIGATE MONEY assumes no liability for the use of a logo or image that you do not own.
When you create an account through this Site, you understand and agree that your account, including your username and password, are personal to you and may not be used by anyone else. You are responsible for maintaining the confidentiality of your username and password and are fully responsible for all activities that occur under your username and password by you or by anyone else using your username and password, whether or not you have authorized such use. You agree to change your password immediately if you believe your password may have been compromised or used without authorization. You also agree to immediately tell us of any suspected breaches of security such as loss, theft or unauthorized disclosure or use of your username or password by contacting us at email@example.com. You will remain liable for any unauthorized use of your account until we receive notification of such unauthorized use.
By registering for any Service, you agree to pay us the fees for the services applicable to the Professional Listing Package, Featured Listing, or advertisement, as applicable. NAVIGATE MONEY reserves the right to change the fees at any time, upon notice to you. If you purchase any Services on a trial basis, your credit card will be charged automatically at the end of the applicable trial period. You must cancel Services prior to the end of your trial period to avoid being charged for the Services. All fees are paid in advance and are non-refundable. Professional Listing Packages are purchased on annual basis – for a period of one calendar year. There will be no refunds or credits for partial months of service, upgrade/downgrade refunds, refunds for accounts that have had access restricted, refunds for accounts that have had upgrades canceled for any reason including violations of these Terms, or refunds for months unused. We reserve the right to deactivate your account and access to the Services for your failure to pay applicable fees or for violations of these Terms. You agree to promptly pay NAVIGATE MONEY in the event of any refusal of your credit card issuer to pay any amount to us for any reason. You agree to pay all costs of collection, including attorneys’ fees and costs, on any outstanding balance. In the event you fail to pay any amount when due, we may immediately suspend or terminate your access to any or all of the Services.
Your Professional Listing Package will renew automatically, unless you cancel your Service. You must cancel your Service before the calendar day it renews (the day of the month you are to be charged) to avoid billing of the subscription fees for the renewal term to your credit card. Additionally, we may terminate your subscription for a violation of these Terms. If you provide us with a credit card that expires during the term, we reserve the right to charge any renewal card issued to you as a replacement.
It is solely the responsibility of lawyers, financial planners, investment advisors, and any other regulated professional to ensure that any information or advertisements you post or place on the Site (including without limitation any legal information), and any communications you may have with prospective clients through the Services, fully complies with all applicable laws and rules of professional conduct, including those concerning the unauthorized practice of law and those regulating the form, manner or content of communications with clients, third parties, advertising, or any other matters.