FULL LEGAL TERMS AND CONDITIONS

Privacy policy

Site Terms of Use

Purchasing and Professional Listing Subscriptions Terms of Use

Contests and Giveaways Rules

Privacy Policy

Your privacy is very important to us. Part of our operation of www.navigate.money (the “Site”) involves the collection and use of information about you. This privacy policy explains what type of information we collect and what we do with that information to allow you to make choices about the way your information is collected and used. This privacy policy may change from time to time, so please check it often.

What Information Do We Collect?

In general, you can visit the Site without identifying who you are or revealing any information about yourself. Information collected online can generally be categorized as anonymous or personally identifiable. Anonymous information is information that cannot be connected to the identity of a specific individual. Personally identifiable information is information that specifically identifies a particular user, such as name, address, e-mail address or phone number. An example of anonymous information is the fact that, while this Site may record the number of visits to a particular page that occur in a given period of time, it does not necessarily tell us the names or other identifying information of every visitor. Many users of this Site will choose not to provide any personally identifiable information; therefore, those individuals are anonymous to us, and any data collected about their use of this Site is anonymous information.  Personally identifying information will be collected when you choose to follow us or connect with us via social media, in accordance with the privacy policies of those social media sites (Facebook, Google Plus, Twitter, LinkedIn, Pinterest and Instragram). If you choose to make a purchase on this Site, we will collect information such as the items you purchase, payment method and payment information (such as debit or credit card number and information), billing and shipping address, and contact information (such as for receipts or order updates). If you choose to make an account on this Site, we will collect your profile and account information, which may include contact, purchase, and preference information as well as your account password, information about wish list items, items in your online shopping cart or saved for future purchase, product review information and other information about your profile or account.

Automatic Anonymous Information

When you visit our site, we collect certain technical and routing information about your computer. For example, we log environmental variables such as browser type, operating system and CPU speed, and the Internet Protocol (IP) address of your originating Internet Service Provider, to try to bring you the best possible service. We also record search requests and results to try to ensure the accuracy and efficiency of our search engine. We use your IP address to track your use of the site, including pages visited and the time spent on each page. We collect this information and use it to measure the use of this Site and to improve its content and performance. All of the information that is automatically submitted to us by your browser is considered anonymous information. To the extent we share such information with third parties, it is not traceable to any particular user and will not be used to contact you.

Cookies

This Site uses cookies. Cookies are small data files, typically made up of a string of text and numbers, that assign you a unique identifier. This information enables your computer to have a “dialogue” with our site and permits us to administer our site more efficiently and to provide a more tailored and user-friendly service to you. You may set your browser to notify you when you receive a cookie or to prevent cookies from being sent; if you do so, this may limit the functionality we can provide you when you visit our Site.  Third parties that link on this site may use cookies or collect other information when you go to their site. We do not control the collection or use of your information by these companies. You should contact these companies directly if you have any questions about their collection or use of information about you.

Children Under the Age of 13

Our Site is not intended for children under 13 years of age. No one under age 13 may provide any personal information to or on the Site. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Site or on or through any of its features, use any of the interactive or public comment features of this Site or provide any information about yourself to us, including your name, address, telephone number, e-mail address or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13, we will delete that information.

How Do We Use Information We Collect?

We collect personally identifiable information for the following reasons:

  • Provide products and services you request (such as when you sign up to receive our email newsletters);
  • Respond to requests, questions, and comments, and provide other types of user support;
  • Offer you products and services, or direct you to portions of this Site or other websites, that we believe may interest you;
  • To serve advertising, content and offers to you based on your interests and online activities, from us or third parties;
  • Communicate about, and administer your participation in, events, programs, contests, and other offers or promotions;
  • Carry out, evaluate, and improve our business (which may include developing new features for the Site; analyzing and enhancing the user experience on the Site;
  • assessing the effectiveness of our marketing and advertising; and managing our communications); and
  • Perform data analytics regarding usage of the Site (including market and customer research, trend analysis, financial analysis, and anonymization of personal data).
  • When you submit personally identifiable information to us, you understand that you are agreeing to allow us to access, store, and use that information for those purposes. We will not sell or give any personally identifiable information to any third parties.
  • We may be required by law enforcement or judicial authorities to provide personally identifiable information to the appropriate governmental authorities. If requested by law enforcement or judicial authorities, we will provide this information on receipt of the appropriate documentation. We may also release information to law enforcement agencies or other third parties if we feel it is necessary to protect the safety and welfare of our personnel or to enforce our terms of use.

Links From The Site to Other Sites

On this Site we may provide links to other websites that are controlled by third parties. Linked websites may have their own privacy notices or policies, which you should review. We are not responsible for the content, usage terms, privacy policies of websites that we do not own or control.

Opt-Out Policy

If at any time you do not wish to receive offers and e-mails from us, please tell us. You may remove your name from our mailing list by sending us an e-mail addressed to  and indicating in the subject line “No Offers or E-mail.”

Your California Privacy Rights

California Civil Code Section § 1798.83 permits users of the internet that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please send an e-mail to atlas@navigate.money ,

Security

We operate secure data networks protected by industry standard firewall and password protection systems. Our security and privacy policies are periodically reviewed and enhanced as necessary, and only authorized individuals have access to the personally identifiable information provided by our users. We do not, however, guarantee that unauthorized, inadvertent disclosure will never occur. For additional information regarding security, please read the Terms of Use Agreement.

Information for Users Outside the United States

Your personal data may be stored, transferred and processed in and to the United States and in other countries by our affiliates and/or service providers. The data protection laws in these countries may provide a lower standard of protection for your personal data than your country of residence. We take great care in protecting your personal data and have put in
place adequate mechanisms to protect it when it is transferred internationally. We will transfer your personal data in compliance with applicable data protection laws and will implement suitable safeguards to ensure that your personal data is adequately secured by any third party that will access your information By using our Site and providing personal data to us, you consent to the terms of this Privacy Policy and the collection, use, maintenance, transfer to and processing of your personal data in the United States or other countries or territories, and, unless otherwise stated in this Privacy Policy, we use this consent as the legal basis for that data transfer.

Transfer of Customer Information

Customer lists and information are properly considered assets of a business. Accordingly, if we merge with another entity or if we sell our assets to another entity, our customer lists and information, including personally identifiable information you have provided us, would be included among the assets that would be transferred.

Advertising Policy

To help us maintain the Site and create quality content we accept advertisements on our Site. The Site maintains a distinct separation between advertising and editorial content.

  • All advertising or sponsored content on the Site is clearly and unambiguously distinguished from editorial content through borders or other distinguishing elements and/or identified as an “Ad,” “Advertisement,” “Sponsored” or a similar designation indicating that the content is being provided by or on behalf of the sponsor.
  • All “native” ads or paid content are identified as an “Ad,” “Advertisement,” “Sponsored” or a similar designation indicating that the content is being provided by or on behalf of the sponsor.
  • Editorial content on the Site is not influenced by advertisements unless the content is sponsored content, in which case, the content will be clearly demarcated and/or identified with the title “Ad,” “Advertisement,” or “Sponsored”, or a similar designation, indicating that the content is being provided by or on behalf of an advertiser or sponsor.

Ecommerce and Affiliate Links Disclosure

We may receive compensation for participation in third-party affiliate marketing programs, including purchases made through links to our e-commerce partners, if any. All pages on the Site containing affiliate marketing links, including product reviews, are clearly demarcated and/or identified with a disclaimer.

Contact Information

To ask questions or comment about this privacy policy and our privacy practices, contact us at atlas@navigate.money.

SITE TERMS OF USE

NAVIGATE MONEY WELCOMES YOU TO WWW.NAVIGATE.MONEY (THE “SITE”) AND ASKS THAT YOU READ THE FOLLOWING TERMS OF USE, WHICH, IN ADDITION TO ANY OTHER AGREEMENTS TO WHICH YOU ARE A PARTY WITH NAVIGATE MONEY, LLC, CONSTITUTES A BINDING AGREEMENT THAT COVERS YOUR USE OF THIS SITE AND ANY TRANSACTIONS THAT YOU ENGAGE IN THROUGH THIS SITE (COLLECTIVELY, THIS “AGREEMENT”). BY ACCESSING, VIEWING, OR USING THIS SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE WITH THESE TERMS AND THE OTHER DOCUMENTS WHICH ARE A PART OF THIS AGREEMENT. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND THE OTHER TERMS OF THIS AGREEMENT OR ARE UNDER THE AGE OF 18, PLEASE DO NOT USE THIS SITE.  TO BE ELIGIBLE TO ACCESS CERTAIN SERVICES YOU MUST BE AN ACTIVE ACCOUNT HOLDER. THIS AGREEMENT AND ALL ASSOCIATED LEGAL DOCUMENTS SET FORTH ON THIS SITE ARE WRITTEN IN THE ENGLISH LANGUAGE.  ALL USERS OF THIS SITE ARE BOUND BY THE TERMS AND CONDITIONS CONTAINED ON THIS SITE, INCLUDING THIS AGREEMENT AND PRIVACY POLICY, WITH YOU HAVING SOLE RESPONSIBILITY FOR TRANSLATING SUCH DOCUMENTS INTO YOUR NATIVE LANGUAGE.

USE OF SITE

This Site is provided solely for you to use the products and services of NAVIGATE MONEY, (“NAVIGATE MONEY”), to provide you with general information and information about our company, and to enable you to contact us with any questions or comments that you may have. Any other use of this Site is prohibited. By way of example, you may not use any features of this Site that permit communications or postings to post, transmit, display, or otherwise communicate:

  1. any defamatory, threatening, obscene, harassing, malicious, or otherwise unlawful information;
  2. any violence towards another person with intent to harm or injure;
  3. any advertisement or solicitation to any user to buy or sell products or services, spam, chain letter, or other similar type of information;
  4. any encouragement, planning or engaging of illegal activity;
  5. unauthorized use or disclosure of private, personally identifiable information or of others, or photographs of others without their consent with intent to harm;
  6. by exporting, re-exporting or permitting the downloading of, any message, software or content in violation of any export or import law, regulation or restriction of the United States and its agencies or authorities, or without all required approvals, licenses or exemptions;
  7. any materials subject to trademark, copyright, or other laws protecting any materials or data of others in the absence of a valid license or other right to do so;
  8. by interfering, disrupting or attempting to gain, unauthorized access to other accounts on this Site or any other computer network;
  9. submitting false information or impersonating someone other than yourself;
  10. disclosure of any confidential information owned by another; or
  11. engaging in any other activity deemed by NAVIGATE MONEY to be in conflict with the spirit or intent of this website.

In addition, you may not attempt to gain unauthorized access to NAVIGATE MONEY’s database and computer system or engaging in any activity that interferes with the performance of, or impairs the functionality of the Site or any services or Materials provided through the Site.

SITE CONTENTS AND OWNERSHIP

The information contained on this Site, including all images, designs, photographs, writings, graphs, data, information and other materials (“Materials”) are the property of NAVIGATE MONEY, LLC, its content providers, or other parties, and may be protected by copyrights, trademarks, trade secrets, technologies, products, processes, or other proprietary rights.  You must retain all copyright and other proprietary notices on all copies of the Materials. You must comply with all copyright laws worldwide in your use of this Site and prevent unauthorized use and/or copying of the Materials. No license to or right in any such copyrights, trademarks, trade secrets, technologies, products, processes, or other proprietary 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. You have a right to use and view the Materials on this Site subject to this Agreement.  You may not sell or modify materials on this Site, or reproduce, display publicly or otherwise use any of the Materials on this Site in any way for any public or commercial purpose.  Permission to reprint or electronically reproduce any of the Materials, in whole or in part, for any other purpose is expressly prohibited without 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 solely responsible for obtaining such permission and for any damages resulting from unauthorized disclosures or infringement.  You will not use any device, software, robot or other device or manual process to monitor or copy our web pages or the content contained therein, without the prior express consent from an authorized NAVIGATE MONEY representative (but such consent is deemed given for standard search engine technology employed by Internet search websites to direct Internet users to this Site).

REGISTRATION

In order to access certain services, you may be asked to register and create an account. As part of the registration process, you must agree to abide by the terms of this Agreement. 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 atlas@navigate.money.

USER GENERATED CONTENT

To the extent that use of the services and/or the Site provides you or other users an opportunity to pose and exchange information, feedback, content, ideas, and opinions (“User Content”), be aware that NAVIGATE MONEY does not screen, edit, or review User Content prior to its appearance on the Site, and User Content does not necessarily reflect the views of NAVIGATE MONEY.  By sending or posting User Content, you represent that you have the full legal right to provide the User Content and that the use of the User Content by the Site and all other persons or entities is not prohibited 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, perpetual, non-terminable, irrevocable, transferable license to access, use, distribute, perform, reproduce, display, modify, create derivative works based upon, sublicense, and to permit others to access, use distribute, perform, reproduce, display, modify and create derivative works based upon the User Content.

DISCLAIMER OF WARRANTY

You expressly agree that use of this Site is at your sole risk. Neither NAVIGATE MONEY, LLC, its affiliates, nor any of their officers, members, managers, directors, employees, agents, or licensors/content providers or the like (collectively, “Providers”) warrant that this Site will be uninterrupted or error-free; free of infection by software viruses or other harmful computer code, files or programs; nor do they make any warranty as to the results that may be obtained from the use of this Site, or as to the accuracy, completeness, reliability, security, or currency of the Materials. The Materials may contain errors, omissions, inaccuracies, or outdated information. Further, NAVIGATE MONEY does not warrant reliability of any statement or other information displayed or distributed through this Site. NAVIGATE MONEY reserves the right, in its sole discretion, to correct any errors or omissions in any portion of this Site. NAVIGATE MONEY may make any other changes to this Site, the Materials and the products, programs, services, or prices (if any) described in this Site at any time without 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, AND MATERIALS ON THIS SITE ARE PROVIDED ON AN “AS IS,” “WHERE IS,” AND “WHERE AVAILABLE” BASIS. NAVIGATE MONEY MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, (A) AS TO THE OPERATION OF THIS SITE, (B) AS TO THE CONTENT, INFORMATION, OR MATERIALS ON THIS SITE, (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THIS SITE, OR (D) THAT YOUR USE OF THIS SITE WILL BE UNINTERRUPTED, OR ERROR FREE OR FREE OF OMISSIONS, INACCURACIES, TYPOGRAPHICAL ERRORS, OR OUTDATED INFORMATION OR FREE FROM INFECTION BY SOFTWARE VIRUSES OR OTHER HARMFUL OR MALICIOUS COMPUTER CODE, FILES, PROGRAMS OR DEFECTS.  TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, NAVIGATE MONEY EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, OF ANY KIND, WITH RESPECT TO ANY OF THE MATERIALS, CONTENT, OR INFORMATION ON THIS SITE OR ANY GOODS OR OTHER PRODUCTS OR SERVICES PROVIDED, OFFERED, SOLD, OR DISPLAYED 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. SOME JURISDICTIONS LIMIT OR DO NOT ALLOW THE DISCLAIMER OF IMPLIED OR OTHER WARRANTIES SO THE ABOVE DISCLAIMER MAY NOT APPLY TO THE EXTENT SUCH JURISDICTION’S LAW APPLIES TO THIS AGREEMENT.

LIMITATION OF LIABILITIES

YOU AGREE THAT NAVIGATE MONEY, LLC AND ITS PROVIDERS SHALL NOT BE LIABLE FOR ANY DAMAGE, LOSS, OR EXPENSE OF ANY KIND ARISING OUT OF OR RESULTING FROM YOUR POSSESSION OR USE 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, LLC OR ANY OF ITS PROVIDERS BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, LOSS OF PROFITS, LOSS OR CORRUPTION OF DATA, LOSS OF GOODWILL, WORK STOPPAGE, COMPUTER FAILURE OR 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, SOLD, OR DISPLAYED ON THIS SITE, YOUR USE OF, OR INABILITY TO USE, THIS SITE GENERALLY, OR OTHERWISE IN CONNECTION WITH THIS AGREEMENT, REGARDLESS OF WHETHER DIDOMEDIA, LLC, NAVIGATE MONEY OR ANY OF ITS PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES DO NOT ALLOW THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

INDEMNIFICATION

You agree to indemnify, defend, and hold harmless NAVIGATE MONEY, LLC, and its Providers from and against any and all 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 products or services to be provided pursuant to this Site, the Materials 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 proprietary or privacy right.

PRIVACY POLICY

Click here to access NAVIGATE MONEY‘s Privacy Policy governing the use of information that NAVIGATE MONEY obtains from you through your use of this Site.

LIMITATIONS ON CLAIM

Any cause of action you may have with respect to your use of this Site must be commenced within one (1) year after the claim or cause of action arises or is forever barred.

TERM AND TERMINATION

Without limiting its other remedies, NAVIGATE MONEY may immediately discontinue, suspend, terminate, or block your and any user’s access to this Site at any time in our sole discretion.

HYPERLINK DISCLAIMERS

As a convenience to you, we may provide on this Site links to Web sites operated by other entities (collectively the “Linked Sites”). If you use any Linked Sites, you will leave this Site. If you decide to visit any Linked Site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. Linked Sites, regardless of the linking form (e.g., hotlinks, hypertext links, IMG links) are not maintained, controlled, or otherwise governed by NAVIGATE MONEY. The content, accuracy, opinions expressed, and other links provided by Linked Sites are not investigated, verified, monitored, or endorsed by NAVIGATE MONEY. NAVIGATE MONEY does not endorse, make any representations regarding or warrant any information, goods, and/or services appearing and/or offered on any Linked Site. NAVIGATE MONEY is not responsible for the privacy policies of the Linked Sites or the cookies those Linked Sites use. Links do not imply that NAVIGATE MONEY or this Site sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo, or copyright symbol displayed in or accessible through the links, or that any Linked Site is authorized to use any trademark, trade name, logo or copyright symbol of NAVIGATE MONEY or any of its affiliates or subsidiaries. Except for links to information authored by NAVIGATE MONEY, NAVIGATE MONEY is neither responsible for nor will it be liable under any theory based upon (i) any Linked Site; (ii) any information and/or content found on any Linked Site; or (iii) any site(s) linked to or from any Linked Site. If you decide to visit any Linked Sites and/or transact any business thereon, you do so at your own risk. NAVIGATE MONEY reserves the right to discontinue any Linked Site at any time without prior notice. Please contact the Web masters of any Linked Site concerning any information, goods, and/or services appearing thereon.

INTERNET SECURITY AND AVAILABILITY OF SITE

NAVIGATE MONEY uses reasonable efforts to ensure that this Site is generally available. However, there will be occasions when access to the Site will be interrupted or unavailable. NAVIGATE MONEY will use commercially reasonably efforts to minimize such disruption where it is within our reasonable control.  You agree that NAVIGATE MONEY shall not be liable for any modification, suspension or discontinuance 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.  Please be advised that 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.

CONTROLLING LAW, JURISDICTION AND INTERNATIONAL USERS

This Agreement is governed by and shall be construed in accordance with the laws of the State of Michigan, U.S.A., without reference to its conflicts of laws provisions. NAVIGATE MONEY makes no representation that the Materials are appropriate or available for use outside the United States. If you access this Site from outside the United States, you will be responsible for compliance with all local laws. You agree to comply with all laws and regulations applicable to your use of this Site. You agree to submit to the personal and exclusive jurisdiction of the state or federal courts located within Oakland County, Michigan for any disputes with NAVIGATE MONEY arising out of your use of this Site.

ENFORCEABILITY AND NON WAIVER

A printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. If for any reason 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 preceding or subsequent breach or default. The failure of NAVIGATE MONEY to require or enforce strict performance by you of any provision of this Agreement or to exercise any right under them shall not be construed as a waiver or relinquishment of NAVIGATE MONEY right to assert or rely upon any such provision or right in that or another instance.

MODIFICATIONS TO AGREEMENT

We may revise this Agreement at any time and from time to time and you agree to be bound by the revised Agreement. Any such modifications will become effective upon the date they are first posted to this Site. It is your responsibility to return to this Agreement from time to time to review the most current terms and conditions. NAVIGATE MONEY does not and will not assume any obligation to notify you of changes to this Agreement.

ELECTRONIC COMMUNICATIONS AND ELECTRONIC SIGNATURES

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 an “I agree,” “I consent,” 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.

PURCHASE AND PROFESSIONAL LISTING SUBSCRIPTIONS TERMS OF USE

YOUR ACCEPTANCE OF OUR TERMS OF USE

These Purchase and Professional Listing Subscriptions Terms of Use apply to all users who purchase any items or services from Navigate.Money (the “Site”).

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.

By agreeing to these Purchase and Professional Listing Terms of Use, you also agree to our Site Terms of Use for all users of the Site, and our Privacy Policy which are expressly incorporated herein. To the extent there are inconsistencies between these Purchase and Professional Terms of Use and our Site Terms of Use or Privacy Policy, these Purchase and Professional Terms of Use control.

REGISTRATION AND ACCOUNT MAINTENANCE

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 atlas@navigate.money.

TERMS APPLICABLE TO PROFESSIONAL LISTING SERVICES ONLY

These Professional Listing Subscriptions Terms of Use which follow apply to all users who purchase a Professional Listing Package, Featured Listing or place an advertisement with us (collectively, the “Services”) on the Site. By purchasing any of our Services, you are agreeing to comply with and be bound by these Professional Listing Terms of Use. If you do not agree to these Professional Listing Terms of Use, you may not access or use any of our Services.

RESPONSIBILITY FOR USER-GENERATED CONTENT POSTED ON OR THROUGH THIS SITE

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.

You are entirely responsible for all Content that you post and that you can be held personally liable for comments that are defamatory, obscene, or libelous, or that violate these Professional Terms of Use, an obligation of confidentiality, or the rights of others. It is solely your responsibility to obtain any necessary permission to post any Content on the Site.

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:

    1. monitor all Content;
    1. require that you avoid certain subjects;
    1. remove or block any Content at any time without notice at our sole and absolute discretion;
    1. disclose any Content and the identity of the user who posted it in response to a subpoena or whenever we believe that disclosure is appropriate to comply with the law or a court order, to prevent or investigate a possible crime or other violation of law, to protect the rights of NAVIGATE MONEY or others, or to enforce these Professional Terms of Use; and
  1. terminate your access to and use of this Site or the Services, or to modify, edit or block your transmissions thereto, for any reason and in our sole discretion.

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.

RESTRICTIONS ON USER-GENERATED CONTENT

It is a condition of using our Services and our Site that your Content does not contain:

    1. any defamatory, threatening, obscene, harassing, malicious, or other information that violates any local, state, national or international law, rule or regulation;
    1. any violence towards another person with intent to harm or injure; 
    1. any advertisement or solicitation to any user to buy or sell products or services, spam, or other similar type of information, other than what is expressly permitted by us;
    1. any encouragement, planning or engaging of illegal activity;
    1. unauthorized use or disclosure of private, personally identifiable information or of others, or photographs of others without their consent with intent to harm;
    1. by exporting, re-exporting or permitting the downloading of, any message, software or content in violation of any export or import law, regulation or restriction of the United States and its agencies or authorities, or without all required approvals, licenses or exemptions;
    1. any materials subject to trademark, copyright, or other laws protecting any materials or data of others in the absence of a valid license or other right to do so;
    1. submitting false or misleading information or impersonating someone other than yourself or otherwise misrepresenting your affiliation with a person or entity;
    1. disclosure of any confidential information owned by another, or that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
    1. engaging in any other activity deemed by NAVIGATE MONEY to be in conflict with the spirit or intent of this website;
  1. the image, name or likeness of anyone other than yourself, unless (i) that person is at least eighteen years old and you have first obtained his/her express permission or (ii) that person is under eighteen years old but you are his/her parent or legal guardian;

By posting User-Generated Content, you represent and warrant that (i) you own or otherwise control all of the rights to the Content and have the right to grant the license set forth in these Professional Terms of Use; (ii) the Content is accurate, and (iii) you have read and understood—and your Content fully complies with—these Professional Terms of Use and our Site Terms of Use and applicable laws and will not cause injury to any person or entity.

REMOVAL OF CONTENT

You can seek removal of objectionable Content, and lodge complaints against particular users, by contacting us at atlas@navigate.money. We will review such requests and will remove Content and users that we determine should be removed, in our sole discretion and in accordance with these Professional Terms of Use and applicable law. However, by providing a mechanism for the submission of complaints, we make no guarantees that we will take any particular action in response to such complaints. Be aware that if the Content has already been distributed to other websites or published in other media, we will not be able to recapture and modify or delete it. Also, a back-up or residual copy of the Content we remove from this Site may remain on back-up servers.

YOUR OBLIGATIONS

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 atlas@navigate.money. You will remain liable for any unauthorized use of your account until we receive notification of such unauthorized use.

You agree to use this Site in a manner consistent with the Site Terms of Use, and any and all applicable rules and regulations. In the event you misuse the Site, we reserve all rights and remedies available to us, including but not limited to the right to terminate your access to this Site.

FEES AND PAYMENTS

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.

AUTOMATIC RENEWAL

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.

LEGAL AND PROFESSIONAL ADVERTISING AND COMMUNICATIONS

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.

SWEEPSTAKES AND CONTESTS RULES

Official Rules

No Purchase Is Necessary to Enter or Win. Purchase Will Not Increase Your Chance of Winning.

1. Eligibility: The Navigate Money Sweepstakes (“Sweepstakes”) is open to persons who are legal residents of, and physically located within, the 50 United States and the District of Columbia, and eighteen (18) years of age or older at time of entry. Void where prohibited. All federal, state and local laws and regulations apply. Employees of Navigate Money, LLC, and its affiliates, subsidiaries and advertising and promotional agencies, and the immediate family members of any company affiliated with the Sweepstakes and collectively with the foregoing persons or entities (“Sweepstakes Entities”), are not eligible to participate.

2. Entry Period: Sweepstakes begin at 12:00am Eastern Daylight Time (“EDT”) on February 1, 2019, and ends at 11:59pm EDT on December 31, 2019. The Sweepstakes consists of eleven (11) monthly entry periods (“Monthly Entry Period”). Each Monthly Entry Period begins at 12:00am EDT on the first day of the month and ends at 11:59pm EDT on the last day of the same month.

3. How to Enter: There are two (2) methods of entry: the Online Method of Entry and the Mail-in Method of Entry, as outlined below.

i) Online Method of Entry: During each Monthly Entry Period, eligible participants can enter the Sweepstakes by visiting http://www.navigate.money/win (“Website”) and sign in to your account or create an account if you are not a registered member. After successfully checking the opt-in box to enter the Sweepstakes, you will automatically be entered into the Sweepstakes (“Online Entry”). To be eligible for a given monthly drawing, your Online Entry(ies) must be received within the applicable Monthly Entry Period.

ii) Mail-In Method of Entry: You may alternatively enter by submitting a mail-in entry instead of the Online Entry as described above. To enter via this method, handwrite your first and last name, street address, phone number and email address on a piece of paper, use a regular size envelope and mail your entry via first-class mail to: Navigate Money Sweepstakes, 3596 W. Maple #124, Bloomfield Hills, MI 48301(“Mail-in Entry”). Each Mail-in Entry must be mailed separately. Sponsor is not responsible for late, lost, damaged, illegible or postage due mail. To be eligible for a given monthly drawing, your Mail-in Entry(ies) must be postmarked during the applicable Monthly Entry Period and received within seven (7) days later.

Online Entry and Mail-in Entry will be referred as “Entry(ies)” from this point on. Multiple Entries may or may not be permitted, depending on the particular monthly Sweepstakes. All eligible monthly Entries received will not roll over to the subsequent Monthly Entry Period. If no eligible entry is received in a given Monthly Entry Period, that monthly prize will not be awarded. Entries using macro, robotic, script or other forms of automatic entry will be disqualified. Sponsor may prohibit an entrant from participating in the Sweepstakes or winning a prize if, in its sole discretion, it determines that said entrant is attempting to undermine the legitimate operation of the Sweepstakes by cheating, deceiving or using other unfair playing practices. Entries become the property of the Sponsor and will not be returned. Proof of submission does not constitute proof of receipt. Multiple entrants are not permitted to share the same email address. If there is a dispute as to the identity of an entrant, the prize will be awarded to the authorized account holder of the email address associated with the winning entry. The authorized account holder is the natural person to whom the email address is assigned by an Internet service provider, online service provider or other organization that is responsible for assigning email addresses for the domain associated with the submitted email address. If a dispute cannot be resolved to Sponsor’s satisfaction, the affected entry will be deemed ineligible.

4. Prizes and Their Approximate Retail Values (“ARV”): A total of twelve (12) prizes will be awarded. One (1) winner each month will receive a USD $100.00 Amazon Gift Card (“Gift Card”). Total ARV of all prizes awarded is USD $1,100.00. Gift Card is awarded on an “as is” basis, and cannot be redeemed for cash or used as payment for purchases. Gift Card will not be replaced if lost or stolen. This promotion is in no way sponsored, endorsed, administered by, or associated with Amazon.

Odds of winning a prize will depend on the number of eligible Entries received during a given Monthly Entry Period. Any applicable taxes and all other costs/expenses not specifically identified in these Official Rules are the sole responsibility of each winner. Limit one (1) prize per household.

Prizes are nontransferable, and no substitutions or cash redemptions will be made, other than as provided herein. Sponsor reserves the right to substitute a prize, in whole or in part, of equal or greater monetary value if a prize cannot be awarded as described for any reason.

5. Random Drawing and Notification: One (1) potential winner will be selected each month by random drawing. Each monthly drawing will be conducted within approximately one – two weeks after the end of each Monthly Entry Period. Potential Winners need not be present to win, and will be contacted by email on or about two (2) business days after the random drawing using the contact information given at the time of Entry. Sponsor is not responsible for any change of email address, mailing address, and/or telephone number of entrants. Prize forfeiture may result from any of the following: i) a prize notification is returned as undeliverable; ii) winner is otherwise found to be ineligible; iii) winner cannot accept or receive the prize for any reason; and iv) any other non-compliance with these Official Rules. In the event of any prize forfeiture, the Sponsor may, in its sole discretion, award or not award the forfeited prize to an alternate winner. Attempts may be made to notify up to three (3) alternate winners for the unfulfilled prize; after which the unfulfilled prize will not be awarded. Once each potential winner’s eligibility is verified, he/she will be confirmed as a winner. Prizes will be sent to the winners within thirty (30) days from the date the winners are confirmed. Sponsor will attempt to notify each potential winner as set forth above, but Sponsor is not responsible for any undelivered emails, including without limitation emails that are not received because of a winner’s privacy or spam filter settings which may divert any promotion email, including any winner notification email, to a spam or junk folder. Prizes that are unclaimed, unredeemed, or returned as undeliverable will not be awarded.

6. Privacy Policy/Data Collection: Entrants information collected in connection with this Sweepstakes may be shared and used in accordance with Sponsor’s privacy practices. Except as otherwise contemplated in these Official Rules, and to the extent entrants may otherwise elect at the time of Entry, information provided by you for this Sweepstakes is subject to Sponsor’s privacy policy located at: http://www.navigate.money/legal/privacy-policy.

7. General: Entrants must have a valid email address, and it is entrant’s responsibility to change his or her email address in the “My Account” dashboard. By entering this Sweepstakes, entrants agree to be bound by these Official Rules and the decisions of Sponsor on all matters relating to the Sweepstakes, which are final and binding. The winners are solely responsible for all local, state and federal taxes on the prizes, including sales or use taxes. By participating, each entrant irrevocably agrees to, releases and holds the Sweepstakes Entities and their respective affiliates, subsidiaries, officers, members, managers, employees, agents and representatives (collectively “Released Parties”) harmless from any injury, loss or damage to person, including death, personal injury or loss or damage to property due in whole or in part, directly or indirectly to the acceptance or use/misuse of a prize, participation in any promotion-related activity or participation in the Sweepstakes. By accepting a prize, each winner agrees, where imposing such condition is legal, that Sponsor and their designees shall have the right, but not the obligation, to use of his/her name, city and state of residence and/or likeness for advertising and publicity purposes in any and all media now or hereafter known throughout the world in perpetuity without further compensation, permission or notification and, upon request, will confirm consent to such use in writing. The Released Parties are not responsible for any typographical or other error in the offer or administration of this Sweepstakes, or in the announcement of winners and prizes. The Released Parties not responsible for any incorrect or inaccurate transcription, receipt or transmission of any part of any Entry, or any technical malfunctions or unavailability of the website or any telephone network, computer system, computer online system, mobile device, computer timing and/or dating mechanism, computer equipment, software, or Internet service provider, or mail service utilized by any of the Released Parties or by an entrant, or interruption or inability to access the Sweepstakes or any online service via the Internet due to hardware or software compatibility problems. In the event there is a discrepancy or inconsistency between statements contained in any materials and the terms and conditions of these Official Rules, these Official Rules shall prevail, govern and control. In the event Sponsor is prevented from continuing with this Sweepstakes, or the integrity and/or feasibility of the Sweepstakes as planned is undermined by any event including but not limited to fire, flood, epidemic, earthquake, explosion, labor dispute or strike, act of God or public enemy, equipment failure, riot or civil disturbance, war, terrorist threat or activity, or any federal, state, or local government law, order, or regulation, order of any court or jurisdiction (each a “Force Majeure” event or occurrence), Sponsor shall have the right, in its sole discretion, to abbreviate, modify, suspend, cancel or terminate the Sweepstakes and award each prize from among all eligible Entries received up to that date. All disputes, claims and causes of action at law or in equity (individually, a “Claim”) arising out of or relating to this Sweepstakes, the meaning or interpretation of the rules or any prize awarded shall be resolved by applying the laws of the State of Michigan, without regard to conflict of laws provisions therein, and shall be solely and exclusively brought in the state or federal courts within that state. All Claims shall be resolved individually, without resort to any form of class action and all Claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, but in no event include attorneys’ fees, and under no circumstances will any entrant be permitted to obtain awards for, and hereby waives all rights to claim, punitive, incidental, special, consequential damages, multiplied damages and any other damages, other than for actual out-of-pocket expenses. The invalidity or unenforceability of any provision of these Official Rules will not affect the validity or enforceability of any other provision. Sponsor’s interpretation of these Official Rules is final and binding in all matters related to the Sweepstakes. Sponsor’s failure to enforce any term of these Official Rules shall not constitute a waiver of that provision and such provision shall remain in full force and effect.

8. Sponsor: Navigate Money, LLC, 3596 W. Maple #124, Bloomfield Hills, MI 48301 (“Sponsor”), whose decisions are final and binding as to all aspects of this Sweepstakes.

9. Winner’s List: For the names of the Winners, send a self-addressed stamped envelope on or before February 1, 2020 to: Navigate Money Sweepstakes, 3596 W. Maple #124, Bloomfield Hills, MI 48301.