SITE TERMS OF USE

Navigate Money welcomes you to www.navigate.money (the “Site”). Please read these terms of use, which, in addition to any other agreements with Navigate Money, LLC (“NAVIGATE MONEY”), constitutes a binding agreement that covers your use of this Site and also any transactions that you engage with through this Site (collectively, this “Agreement”). By viewing, accessing, and/or utilizing this Site, you acknowledge that you , understand, have read and agree with these terms and other documents which are a part of this binding Agreement. Please do not use this Site if you do not wish to be bound by this Agreement or are under the age of 18. You must be an active account holder in order to be eligible to access certain services.

This Agreement and all  documents on this Site are written in English. All users of this Site are bound by the terms and conditions contained on this Site, including our privacy policy and this Agreement. You are solely responsible for translating all Site documents into your native language, if other than English.

YOUR USE OF SITE

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:

  1. any harassing, malicious, defamatory, threatening, obscene, 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, or other similar type of information;
  4. any planning, engaging or encouragement of illegal activity;
  5. unauthorized use or disclosure of private, personally identifiable information or of others, or photographs of others without consent, with intent to harm;
  6. exporting, downloading or the permitting of exporting or downloading of any message, software or content in violation of any export or import law, regulation or other law 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 intellectual property of others in the absence of a valid authorization or other right or license to do so;
  8. interfering, disrupting or attempting to gain unauthorized access to other accounts on this Site or our network;
  9. impersonating someone other than yourself or submitting false information or;
  10. disclosure of any confidential information owned by any third party; or
  11. engaging in any other activity deemed by NAVIGATE MONEY to be in conflict with the intent of this website.

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.

SITE CONTENTS AND OWNERSHIP

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.

REGISTRATION

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 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 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.

HYPERLINK DISCLAIMERS

We provide links to Web sites operated by other entities (collectively the “Linked Sites”). If you select any hyperlinked 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, 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, or monitored 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 terms of use or privacy policies of the Linked Sites or the cookies used by those Linked Sites. 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. NAVIGATE MONEY does not represent or warrant 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 nor liable 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 the Linked Site directly concerning any information, goods, and/or services appearing on the Linked Site.

INTERNET SECURITY AND AVAILABILITY OF SITE

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.

DISCLAIMER OF WARRANTY

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.

LIMITATION OF LIABILITIES

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.

INDEMNIFICATION

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.

PRIVACY POLICY

Click here to access NAVIGATE MONEY‘s Privacy Policy, which governs the use of information that we obtain from you through your use of this Site.

LIMITATIONS ON CLAIM

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.

CONTROLLING LAW, JURISDICTION AND INTERNATIONAL USERS

The law applicable to the interpretation and construction of these Terms of Use and any transaction (including purchases made on this Site) using or related to the Site, shall be the laws of the State of Michigan, USA, and applicable federal laws, without regard to principles of conflict of laws. NAVIGATE MONEY makes no representations that the Materials are appropriate or available for use outside the United States. If you access this Site from outside the United States, you are 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 or related in any way to your use of this Site.

ENFORCEABILITY AND NON WAIVER

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.

MODIFICATIONS TO AGREEMENT

Please regularly review all policies posted on this Site. These policies also govern your use of our Services and products. We reserve the right to make changes to our site, policies and these Terms of Use at any time and may not provide notice of such changes, unless required by law.

ELECTRONIC COMMUNICATIONS AND ELECTRONIC SIGNATURES

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.