Terms of Service

This site and any related mobile applications are powered by FinLocker.

Last Updated: 30 April 2024 

The www.finlocker.com website and other associated websites (including white labeled sites for our Clients) is owned and operated by FinLocker Inc., a Delaware limited liability company, together with its affiliates, subsidiaries and partners, (“FinLocker”, “we”, “our”, or “us”). These Terms of Service (“Terms of Service” or “Agreement”) are intended to make you aware of the terms and conditions of your use of our websites and devices or applications (“Sites”) and the products and services offered through the Sites (“Services”). It applies to any Sites where this Agreement is referenced or linked to.

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY CREATING, REGISTERING, USING OR ACCESSING AN ACCOUNT OR THE SITES AND ITS SERVICES, POSTING OR DOWNLOADING CONTENT OR ANY OTHER INFORMATION TO OR FROM THE SITES OR THE SERVICES, OR MANIFESTING YOUR ASSENT TO THESE TERMS OF SERVICE IN ANY OTHER MANNER, YOU HEREBY UNEQUIVOCALLY AND EXPRESSLY AGREE TO BE BOUND BY, AND SHALL BE SUBJECT TO, THESE TERMS OF SERVICE. IF YOU DO NOT UNEQUIVOCALLY AGREE TO THESE TERMS OF SERVICE, YOU MAY NOT USE OR OTHERWISE ACCESS THE SITES, CREATE, REGISTER OR ACCESS AN ACCOUNT OR POST OR DOWNLOAD CONTENT OR ANY OTHER INFORMATION TO OR FROM THE SITES.

YOUR USE OF THE SITE IS SUBJECT TO AN ARBITRATION PROVISION IN SECTION 17, REQUIRING ALL CLAIMS TO BE RESOLVED BY WAY OF BINDING ARBITRATION. PLEASE CAREFULLY REVIEW SECTION 17 FOR MORE INFORMATION.

1. General Terms

Description of the Services. Our Services allow you to provide, and grant access to, your financial and personal information to third parties, such as your lender, other providers of services and products that you may be interested in, and family members that you authorize to receive such information (each, an “Authorized Third Party”). The standard Services are provided to you without charge (it is free) and are meant to provide you with an easier and more predictable way to manage your finances. We may also offer premium Services from time to time that may be provided to you at a cost. The Services may also provide you with information relating to products or services of third parties, including the Authorized Third Parties (“Third Party Offers”), as well as provide you general tips, recommendations, and educational material.

Agreement to Terms. By using the information, tools, features, software and functionality including content, updates and new releases of the Sites or Services, you agree to be bound by this Agreement, whether you are a “Visitor” (which means that you simply browse the FinLocker.com website), or a “Consumer” (which means that you have registered an account with FinLocker.com in order to utilize our Services, whether directly on our Sites or otherwise). The term “you” refers to a Visitor or Consumer.

Additional Terms. The disclaimers, terms and conditions on these pages are of general application and may be supplemented by additional policies, procedures, disclaimers, guidelines, rules, terms or conditions of specific application disclosed by us, including through a registration process or other means. In the event of a conflict between the Terms of Service and any additional policies, procedures, disclaimers, guidelines, rules, terms or conditions of specific application, the additional policies, procedures, disclaimers, guidelines, rules, terms or conditions of specific application shall control.

Updates/Modifications. We reserve the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Sites or Services with or without notice. We reserve the right to change the Services, including applicable fees, in our sole discretion and from time to time. If you do not agree to the changes after receiving a notice of the change to the Services, you may stop using the Services. Your use of the Services, after you are notified of any changes will constitute your agreement to such changes. You agree that we will not be liable to you or to any third party for any modification, suspensions, or discontinuance of the Services.

Your Ability to Contract. You may not use our Services and you may not accept this Agreement if you are not at least 18 years of age and, in any event, of a legal age to form a binding contract with us. If you accept this Agreement, you represent that you have the capacity to be bound by it or if you are acting on behalf of another person, company or entity that you have the authority to bind such entity. Before you continue, you should print or save a local copy of this Agreement for your records.

2. Account Information

You may provide to us or direct us to retrieve (to the extent maintained online) your own data, communications, personalization settings and other information maintained online by third parties, including those parties you may have a direct or indirect consumer relationship with (“Account Information”). We work with one or more online service providers to access this Account Information. We make no effort to review the Account Information for any purpose, including but not limited to accuracy, legality, or non-infringement. We cannot always foresee or anticipate technical service interruptions or other difficulties which may result in failure to obtain Account Information or loss of Account Information. We do not assume responsibility, and are not in any way liable, for the timeliness, accuracy, deletion, non-delivery, or failure to store any Account Information. For example, when displayed through the Services, Account Information is only as fresh as the time shown, which reflects when the information is obtained from such Sites. Such information may be more up to date when obtained directly from the relevant Sites.

3. Your Registration Information

Verifying Your Identity. In order to allow you to use the Services, you will need to sign up for an account with us. We may verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. These inquiries may include asking you for further information, requiring you to provide your full address, your date of birth, your social security number and/or requiring you to take steps to confirm ownership of your email address, mobile phone or financial instruments, verifying your identity when you order a credit report, or verifying information you provide against third party databases or through other sources. If you do not provide this information or we cannot verify your identity, we can refuse to allow you to use the Services.

Confidentiality of Your Log-In. You agree and understand that you are responsible for maintaining the confidentiality of your password which, together with your log-in credentials and e-mail address, allows you to access the Sites and Services. Your log-in credentials and e-mail address, together with any mobile number or other information you provide form your “Registration Information.” By providing us with your e-mail address, you agree to receive all required notices electronically, through the Services by displaying links to notices generally on the Sites, to that e-mail address. It is your responsibility to update or change that address, as appropriate. Notices will be provided in HTML (or, if your system does not support HTML, in plain text) in the text of the e-mail or through a link to the appropriate page on our Sites, accessible through any standard, commercially available internet browser.

Unauthorized Use & Fraud. If you become aware of any unauthorized use of your Account or Registration Information for the Services, you agree to notify us immediately at the email address found at the end of this Agreement. If you believe that your Registration Information or device that you use to access the Services has been lost or stolen, that someone is using your account without your permission, or that an unauthorized third party may be accessing your Account Information, you must notify us immediately at support.consumer@finlocker.com in order to minimize your possible losses.

4. Your Use of the Services

True & Accurate Information. Your right to access and use the Sites and Services is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use the Sites and Services for lawful purposes. Accurate records enable us to provide the Services to you. You must provide true, accurate, current, and complete information about your accounts maintained at other web sites, and you may not misrepresent your Account or Registration Information. In order for the Services to function effectively, you must also keep your Account and Registration Information up to date and accurate. If you do not do this, the accuracy and effectiveness of the Services will be affected. You represent that you are a legal owner of, and that you are authorized to provide us with, all Account and Registration Information necessary to facilitate your use of the Services.

Your Representations About Your Information. For any information that you provide via the Sites or Services, you hereby represent and warrant that:

  • the information provided by you is truthful, accurate and complete;
  • you are owner of such information or otherwise have the right to grant us the licenses granted pursuant to this Agreement;
  • you have secured any and all consents necessary to provide the information and to grant the foregoing licenses;
  • the information does not violate the rights of any third party, including, without limitation, the intellectual property, privacy or publicity rights of any third party, and such information does not contain any personally identifiable information about third parties in violation of such parties’ rights; and the use of the information will not result in harm or personal injury to any third party.

Prohibited Uses. You are solely responsible for any and all acts and omissions that occur under your account or password regardless of whether such acts and omissions are conducted with or without your knowledge and/or permission, and you agree not to engage in unacceptable use of the Sites or any part thereof, which includes, without limitation:

(a) use of the Sites or Services to post, store or disseminate material or information that, is or to a reasonable person may be false, fraudulent, unlawful, harmful, tortious, abusive, obscene, pornographic, defamatory, libelous, harassing, invasive of another’s privacy, offensive, vulgar, threatening, malicious, embarrassing, hateful or racially, ethnically or otherwise objectionable;

(b) use of the Sites or Services to post, store or disseminate information, files, graphics, software or other material or information that actually or potentially infringes the rights of any person, including, without limitation, the copyright, trademark, patent, trade secret or other intellectual property rights, or privacy, moral or publicity rights, of any person;

(c) use of the Sites or Services to interfere, disrupt, or attempt to gain unauthorized access to other accounts on the Sites, to restricted portions of the Sites, to Services, or any other computer network or equipment;

(d) use of the Sites or Services to post, store or disseminate any type of computer viruses, trojan horses or any other malicious, destructive, disabling code or programs designed to interrupt, permit unauthorized access, destroy or limit the functionality of any computer software, hardware, system or telecommunications equipment;

(e) use of the Sites or Services to post, store, or disseminate any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes or other fraudulent schemes, or any other form of solicitation;

(f) use of any manual or automated software, devices or other processes to “crawl” or “spider” any web pages contained in the Sites or Services (including, without limitation, the use of robots, bots, spiders, scrapers or any other means to extract pricing, product, service or other data from the Sites or Services);

(g) use of the Sites or Services to gain competitive intelligence about us or to otherwise compete with us or our affiliates, resell or use the Sites or Services for the benefit of any other entity other than you or use the information in the Sites or Services to create or sell a similar product or information;

(h) harvesting or otherwise collecting any information about other users, including, without limitation, email addresses or other contact information of other users;

(i) use anything intended to damage or interfere with the proper functioning of the Sites or Services and the systems to which it connects or do anything that interferes with any other person’s use of the Sites or Services including framing or otherwise simulating the appearance or functions of the Sites or any portion thereof;

(j) attempt to copy, reproduce, change, disassemble, reverse engineer, decrypt, frame or translate the Sites or Services or otherwise attempt to learn, access, decompile, reverse engineer or otherwise derive the source code, structure, or ideas upon which the Sites or Services are based or attempt to copy, change, delete or alter any content; or

(k) use of the Sites to engage in any activity that, as determined by us, may intentionally or unintentionally violate these Terms of Service, violate any applicable laws or regulations or conflict with the spirit or intent of these Terms of Service.

Prohibited Disclosures. You acknowledge and agree that you will not authorize FinLocker to share your information with any Authorized Third Party if such Authorized Third Party is a credit repair service, bankruptcy attorney, or lending group.

User Content. The Sites may allow you to upload, download, store, or transmit user-generated data or information, including personal information such as your financial documents, identity-verification documents, and other similar information (“User Content”). By submitting User Content to the Sites or by interacting with the Sites, you grant FinLocker a nonexclusive, worldwide, royalty-free, assignable, sublicensable, perpetual right and license to use, copy, and display User Content in connection with FinLocker’s operation of this Site and performance of the Services. You further grant FinLocker a nonexclusive, perpetual, assignable, sublicensable, worldwide, royalty-free right and license to use, copy, display, reproduce, modify, edit, adapt, publish, translate, display, distribute, sell, transfer, sublicense, create derivative works of, and compilations incorporating, User Content to provide benchmarking, performance improvement, marketing and advertising, and other lawful purposes in connection with the operation of FinLocker’s business, including without limitation as it relates to the design, manufacture, distribution, sale and/or promotion of any goods and/or services branded under any intellectual property owned by FinLocker. YOU AGREE THAT YOU WILL EVALUATE AND BEAR ALL RISK RELATED TO THE USE OF, OR ANY ACTIVITIES ASSOCIATED WITH, USER CONTENT THAT YOU UPLOAD, DOWNLOAD, STORE, TRANSMIT, OR OTHERWISE PROVIDE THROUGH THIS SITE. THE RESULTS OF ANY ACTIONS YOU TAKE BASED ON USER CONTENT OR OTHER CONTENT YOU FIND ON THE SITES IS SOLELY YOUR RESPONSIBILITY. Under no circumstances will we be liable in any way for User Content or for any loss or damage of any kind incurred as a result of the transmission of any of User Content through the Sites or use of the Services.

You have the ability to retrieve User Content relating to your income and other related information to our site through connectivity with our service provider, Argyle.  By retrieving this information, you agree to comply with Argyle’s terms of use, available at https://argyle.com/legal/end-user-terms.  You acknowledge and agree that by retrieving User Content relating to your income and employment, you are authorizing Argyle Systems, Inc. to use your login credentials to your accounts for the purpose of making your User Content available within our Sites and Services in accordance with Argyle’s terms of use and this Agreement.

No Financial Advice. THE SITE AND SERVICES ARE NOT INTENDED TO PROVIDE PROFESSIONAL FINANCIAL, LEGAL, TAX, INVESTMENT, OR WEALTH MANAGEMENT ADVICE. Please be advised that the Sites and Services, third party materials, and all other related content that may be accessible through the Sites and/or Services, does not consist of, nor provide, professional financial, legal, tax, investment, or wealth management advice and is not a substitute for professional advice from a legal professional, accountant, broker, or certified financial adviser. Information provided through the Sites and Services is solely for educational and informational purposes. We strongly suggest that you always seek the advice of a licensed accountant or certified financial adviser before you make any decisions about your financial strategy. Reliance on any information provided by or found on the Sites or through the Services is purely at your own risk. We will not be liable to you or any third party for damages or losses related to any advice procured through the Sites or the Services.

5. Test Services & Features

From time to time, we may include new and/or updated pre-release features and trial use services (“Test Services”) in Services for your use and which permit you to provide feedback. You understand and agree that your use of Test Services is voluntary, and we are not obligated to provide you with any Test Services. Furthermore, if you decide to use the Test Services you agree to abide by any rules or restrictions, we may place on them. You understand that once you use the Test Services, you may be unable to revert back to the earlier version of the same or similar Service. Test Services are provided on an “as is” basis and may contain errors or inaccuracies that could cause failures, corruption, or loss of data and/or information from any connected device. You acknowledge and agree that all use of the Test Services is at your sole risk.

6. Offers & Third-Party Offerings

Some parts of the Services may, from time to time, be supported by sponsored links from advertisers and display offers that may be custom matched to you based on information stored in the Services, queries made through the Services or other information. We will always disclose when a particular offer is sponsored by us or by a third party. Such offers may be subject to additional terms and conditions. In connection with offers, the Services may provide links to other websites belonging to advertisers and other third parties. We do not endorse, warrant or guarantee the products or services available through any Third-Party Offer (or any other third-party products or services advertised on or linked from our Sites), whether or not sponsored, and we are not an agent or broker or otherwise responsible for the activities or policies of those websites. We have no obligation with respect to the terms of a loan, investment, plan, rates, rewards or other product or service offered by any particular advertiser or other third party, including any Authorized Third Party or Other Third Party, on the Sites and cannot provide any assurances or guarantees that such terms are actually the terms that may be offered to you if you pursue the offer or that they are the best terms or lowest rates available in the market. If you elect to use or purchase services or products from any third party, including any Authorized Third Party or Other Third Party, or elect to provide, or grant access to, your information to Authorized Third Parties or Other Third Parties, you and your information are subject to their terms and conditions and privacy policy. We are not responsible for the products and services offered by any third party, including any Authorized Third Party or Other Third Parties.

7. Rights You Grant to Us

License to Use. By submitting information, data, passwords, usernames, PINs, other log-in information, materials and other content to us through the Services or by directing us to retrieve Account Information, you are licensing that content and Account Information to us for the purpose of providing the Services. We may use and store the content and Account Information in accordance with this Agreement and our Privacy Statement. You represent that you are entitled to submit the Account Information as well as any other information you provide to us and have the authority to allow us to retrieve Account Information, for use for this purpose, without any obligation by us to pay any fees or be subject to any restrictions or limitations.

Ownership of Feedback. We welcome your comments, feedback, information, or materials regarding our Service or any of our other products or services (collectively, “Feedback”). Your Feedback will become our property upon your submission to us. By submitting your Feedback to us, you agree to assign, and hereby irrevocably assign to us, all right, title, and interest in and to the Feedback and all copyrights and other intellectual property rights embodied in such Feedback on a worldwide basis. We will be free to use, copy, distribute, publish and modify your Feedback on an unrestricted basis, without compensation to you. Moreover, you hereby assign or waive, as the case may be, any moral rights that you may have in or to the Feedback.

Express Authorization and Informed Consent. By using the Services, you expressly authorize us to access your Account Information and User Content maintained by third parties, on your behalf as your agent. For some third-party Services, we will submit information including usernames and passwords that you provide to log into the Services, for other Services we will submit other information provided by you to gain access to the data maintained by that Service. We use commercially reasonable safeguards, such as industry-standard encryption technology, to help keep your Account Information and User Content collected through the Services secure. Despite these efforts to store your Account Information and User Content in a secure operating environment, we cannot guarantee the security of your Account Information and User Content during its transmission or its storage on our systems. Further, while we attempt to ensure the integrity and security of your Account Information and User Content, we cannot guarantee that our security measures will prevent third parties such as hackers from illegally obtaining access to your Account Information or User Content. In full awareness and understanding of these risks, you hereby authorize and permit us and provide your informed consent to use and store information submitted by you to accomplish the foregoing and to configure the Services so that it is compatible with the third-party sites for which you submit your information.

You agree that, with your express, informed consent, we may disclose your Account Information and User Content with certain Authorized Third Parties, including financial institutions which have made available our Sites and Services to you.  In addition to your acceptance of these Terms of Service, we will seek your express consent to disclose this information at the time you create an account with us, or via a separate process at our discretion prior to disclosing any of your Account Information or User Content.  For more information regarding our disclosure of your Account Information and User Content, please view our Privacy Notice, which can be found in Section 9 of this Agreement and on our sites.  You may revoke your consent to our disclosure of data by contacting us as set forth in Section 18 of this Agreement.

Limited Power of Attorney. For purposes of this Agreement and solely to access and retrieve the Account Information and User Content and provide and upload the Account Information and User Content to you as part of the Service, you grant us a limited power of attorney, and appoint us as your attorney-in-fact and agent, to access third party sites, retrieve and use your information with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN WE ARE ACCESSING AND RETRIEVING ACCOUNT INFORMATION AND USER CONTENT FROM THIRD PARTY SITES, WE ARE ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY THAT OPERATES THE THIRD-PARTY SITES.

Disclosure of Your Anonymized Information. You acknowledge and agree that we may share your anonymized information, including but not limited to your anonymized credit score, with third parties for purposes of providing you with offers and information regarding products and services that may be of interest to you, as well as for any other purposes described in our Privacy Policy.

8. Our Intellectual Property Rights

Content. You acknowledge that the Sites and its Services may contain or provide access to general tips, recommendations, educational material, data, information, designs, compilations, magnetic translations, digital conversions, software, photos, video, text, graphics, music, sounds or other material provided by us or third parties (collectively, “Content”) that are owned by us or one of our affiliates or vendors, and protected by copyright, patent, trademark, trade secret or other intellectual property laws, and that these rights are valid and protected in all forms, media and technologies existing now or hereafter developed. You may not use images, trademarks, service marks, logos and/or icons displayed on the Sites or Services as these are our property and/or our licensors’ and may not be used without our written permission. You may not obscure, alter or remove any copyright notices, proprietary rights or other notices contained in or on the Sites or Services. All copyrighted material, trademark, service mark, legal, proprietary, or other notice must not be removed from the Sites or Services and the Content you may access. Unless otherwise specifically noted in these Terms of Service or on the Sites or Services, images, trademarks, service marks, logos and icons displayed on the Sites and Services are our property or the property of our licensors and may not be used without our prior written consent. Trademarks owned by third parties are the property of those respective third parties.

License. We hereby grant you a limited, nonexclusive, non-assignable, non-sublicensable, nontransferable license to access and use the Sites and Services solely for your own personal, non-commercial purposes, subject to your agreement to, compliance with and satisfaction of these Terms of Service. All rights not otherwise expressly granted by these Terms of Service are reserved by us. If you do not comply with the Terms of Service at any time, we reserve the right to revoke the aforementioned license(s), limit your access to the Sites or Services or restrict your ability to post or download. You agree not to reproduce, duplicate, copy, distribute, transmit, sell, trade, resell or exploit for any purpose any portion of or any information from the Sites or Services. You may not obscure, alter or remove any copyright notices, proprietary rights or other notices contained in or on the Sites or Services. Any distribution, reprint, or electronic reproduction of any content from the Sites or Services in whole or in part for any other purpose is expressly prohibited without our prior written consent. You agree not to use, nor permit any third party to use, the Sites or Services or content in a manner that violates any applicable law, regulation, or this Agreement. You are solely responsible for providing, maintaining, and ensuring the compatibility of all hardware, software, electrical and other physical requirements necessary for your access to and use of the Sites and Services.

9. Privacy

You can view our Privacy Policy by clicking https://www.finlocker.com/privacy-policy/ and on the Sites. The Privacy Policy is incorporated into this Agreement and also governs your use of the Sites and Services. You agree to the terms of the applicable Privacy Policy, and any changes published by us from time to time. You agree that we may use and maintain your personal and non-personal information according to our Privacy Policy, as part of the Services. Unless stated otherwise, the provisions of the Privacy Policy and this Agreement shall be construed to be complementary, not conflicting. In the event there is a conflict between the non-privacy related terms and conditions of the Privacy Policy and this Agreement, the terms and conditions in this Agreement shall govern.

10. Use With Your Mobile Device

Use of these Services may be available through a compatible mobile device, Internet and/or network access and may require software. You agree that you are solely responsible for these requirements, including any applicable changes, updates, and fees as well as the terms of your agreement with your mobile device and telecommunications provider. FINLOCKER MAKES NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESS, STATUTORY OR IMPLIED AS TO: (i) THE AVAILABILITY OF TELECOMMUNICATION SERVICES FROM YOUR PROVIDER AND ACCESS TO THE SERVICES AT ANY TIME OR FROM ANY LOCATION; (ii) ANY LOSS, DAMAGE, OR OTHER SECURITY INTRUSION OF THE TELECOMMUNICATION SERVICES; AND (iii) ANY DISCLOSURE OF INFORMATION TO THIRD PARTIES OR FAILURE TO TRANSMIT ANY DATA, COMMUNICATIONS OR SETTINGS CONNECTED WITH THE SERVICES.

 11. Alerts

We may from time to time provide automatic alerts and voluntary account-related alerts through various forms of electronic communication (e.g., emails, SMS messages, live chat, and/or App notifications). Automatic alerts may be sent to you following certain changes to your account or information, such as a change in your Registration Information. Voluntary account alerts may be turned on by default as part of the Services. They may then be customized, deactivated or reactivated by you. These alerts allow you to choose alert messages for your accounts, such as, but not limited to, credit alerts. We may add new alerts from time to time or cease to provide certain alerts at any time upon our sole discretion. Each alert has different options available, and you may be asked to select from among these options upon activation of your alerts service.

You understand and agree that any alerts provided to you through the Services may be delayed or prevented by a variety of factors. We may make commercially reasonable efforts to provide alerts in a timely manner with accurate information, but cannot guarantee the delivery, timeliness, or accuracy of the content of any alert. We shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert.

Electronic alerts will be sent to the email address you have provided as your primary email address for the Services. If your email address changes, you are responsible for informing us of that change. You may opt-out of receiving email alerts in accordance with the terms of our Privacy Policy. By providing your cellular phone number or mobile device number when you register for an Account, you hereby consent to have alerts sent to your mobile device that accepts SMS/text messages, which may be subject to additional rates. At any time, you may opt-out of receiving alerts via SMS/text message, by following the instructions provided within the text communication.

12. Legal Disclaimer

NEITHER FINLOCKER NOR ITS SUPPLIERS OR CLIENTS (EACH AS DEFINED BELOW), THE SITES OR SERVICES ARE INTENDED TO PROVIDE LEGAL, TAX OR FINANCIAL ADVICE. FINLOCKER AND ITS SUPPLIERS AND CLIENTS ARE NOT CONSIDERED A FINANCIAL PLANNER, INVESTMENT ADVISOR, BROKER OR TAX ADVISOR. The Sites and Services are intended only to assist you in the organization of your information that you provide to us, and all content, whether or not expressly directed to you, is for information purposes only and should not be relied upon by you in any way, including, without limitation, as any advice. Your personal financial situation is unique. Accordingly, before making any final decisions or implement any financial strategy, you should consider obtaining additional information and advice from your accountant, lawyer and financial advisers who are fully aware of your individual circumstances.

We use reasonable efforts to maintain the Sites and Services, but we are not responsible for any defects or failures associated with the Sites or Services, any part thereof, any content contained within the Sites or Services, your information or any damages (such as lost profits or other consequential damages) that may result from any such defects or failures. The Sites or Services may be inaccessible or inoperable for any reason, including, without limitation: (a) equipment malfunctions, (b) periodic maintenance procedures, upgrades or repairs which we may undertake from time to time, or (c) causes beyond our control or which are not foreseeable. We will not be liable for failure to provide access to the Sites or Services for any reason whatsoever.

FINLOCKER AND ITS AFFILIATES, THIRD PARTY PROVIDERS, LICENSORS, DISTRIBUTORS (COLLECTIVELY, “SUPPLIERS”)  AND PARTNERS AND CLIENTS WHO SPONSOR THE SERVICES ON THE SITE (COLLECTIVELY, “CLIENTS”) MAKE NO PROMISES ABOUT THE SITES, SERVICES OR CONTENT. TO THE MAXIMUM EXTENT ALLOWED BY LAW, THE SITES, SERVICES AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE”. FINLOCKER AND ITS SUPPLIERS AND CLIENTS MAKE NO COMMITMENTS ABOUT THE RELIABILITY, AVAILABILITY, OR SECURITY OF THE SITES, SERVICES AND CONTENT AND RELATED TRANSMISSION OF YOUR INFORMATION. FINLOCKER AND ITS SUPPLIERS AND CLIENTS DISCLAIM ALL WARRANTIES, REPRESENTATIONS, CONDITIONS, UNDERTAKINGS OR OTHER OBLIGATIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE (EVEN IF THAT PURPOSE IS KNOWN TO FINLOCKER), AND NON-INFRINGEMENT OR ARISING FROM A COURSE OF DEALING, USAGE OR TRADE PRACTICE.

NEITHER FINLOCKER NOR ANY OF ITS SUPPLIERS OR CLIENTS GIVE ANY WARRANTY OF ANY KIND REGARDING THE SITES, SERVICES OR CONTENT. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, FINLOCKER AND ITS SUPPLIERS AND CLIENTS MAKE NO WARRANTY (A) THAT THE SITES, SERVICES OR CONTENT WILL MEET YOUR EXPECTATIONS OR REQUIREMENTS, (B) THAT USE OF THE SITES, SERVICES OR CONTENT WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (C) AS TO THE ACCURACY, COMPLETENESS, CURRENCY OR RELIABILITY OF THE SITES, SERVICES OR CONTENT, OR (D) THAT THE RESULTS OBTAINED FROM THE USE OF THE SITES, SERVICES OR CONTENTS WILL BE ACCURATE OR RELIABLE, AND DO NOT ASSUME, AND EXPRESSLY DISCLAIM, ANY LIABILITY TO ANY PERSON OR ENTITY FOR ANY LOSS OR DAMAGE CAUSED BY ANY SUCH ISSUES, WHETHER SUCH ISSUES RESULT FROM NEGLIGENCE, ACCIDENT, OR OTHER CAUSE.

ANY CONTENT OR OTHER MATERIAL YOU DOWNLOAD OR OTHERWISE OBTAIN THROUGH THE USE OF THE SITES OR SERVICES IS DONE AT YOUR SOLE RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH CONTENT OR MATERIAL. FURTHER, PLEASE NOTE THAT NO ADVICE OR INFORMATION, OBTAINED BY YOU THROUGH THE SITES OR SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY PROVIDED FOR IN THESE TERMS OF SERVICE.

NEITHER FINLOCKER NOR ANY OF ITS SUPPLIERS OR CLIENTS BEAR OR OTHERWISE ASSUME ANY RESPONSIBILITY OR LIABILITY FOR ANY SERVICES, PRODUCTS, ACTIONS OR INACTIONS OF ANY AUTHORIZED THIRD PARTY OR OTHER THIRD PARTY, INCLUDING, WITHOUT LIMITATION, THE POSSESSION AND USE OF ACCOUNT INFORMATION BY SUCH AUTHORIZED THIRD PARTY OR OTHER THIRD PARTY.

FINLOCKER’S SERVICES ARE NOT PROVIDED BY A “CONSUMER REPORTING AGENCY,” AS THAT TERM IS DEFINED IN THE FAIR CREDIT REPORTING ACT (15 U.S.C. § 1681, ET SEQ.) (“FCRA”) AND DO NOT CONSTITUTE “CONSUMER REPORTS,” AS THAT TERM IS DEFINED IN THE FCRA. FINLOCKER’S SERVICES MAY BE USED TO ASSIST ENTITIES IN PROCESSING DATA THAT MAY BE RELEVANT TO A DETERMINATION OF ELIGIBILITY FOR CREDIT, INSURANCE, EMPLOYMENT OR ANOTHER PURPOSE IN CONNECTION WITH WHICH A CONSUMER REPORT MAY BE USED UNDER THE FCRA. HOWEVER, FINLOCKER’S SERVICES DO NOT PROVIDE ANY FINDINGS BEARING ON A CONSUMER’S CREDIT WORTHINESS AND SHOULD NOT BE USED AS SUCH. FURTHER, DUE TO THE NATURE AND ORIGIN OF PUBLIC RECORD INFORMATION, THE PUBLIC RECORDS AND COMMERCIALLY AVAILABLE DATA SOURCES USED BY FINLOCKER MAY CONTAIN ERRORS.

13. Limitations on Our Liability

TO THE MAXIMUM EXTENT ALLOWED BY LAW, YOU EXPRESSLY UNDERSTAND AND AGREE THAT IN NO EVENT SHALL FINLOCKER OR ITS SUPPLIERS OR CLIENTS BE LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL, COMPENSATORY, PUNITIVE OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL OR USE, LOST OR DAMAGED DATA OR OTHER INTANGIBLE LOSSES, WHETHER ARISING IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, EVEN IF WE ARE AWARE OF THE POSSIBILITY OF SUCH LOSS OR DAMAGES, RESULTING FROM: (I) THE USE OR THE INABILITY TO USE THE SITES OR SERVICES; (II) THE COST OF PROCUREMENT OF SUBSTITUTE PRODUCTS RESULTING FROM THE INABILITY TO ACCESS OR UTILIZE ANY SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SITES OR SERVICES, OR OTHERWISE; (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS, CONTENT OR DATA; OR (IV) ANY OTHER MATTER RELATING TO OR CONNECTED WITH THE SITES OR SERVICES. IF YOU ARE DISSATISFIED WITH THE SITES OR SERVICES, OR IN THE EVENT OF ANY FAILURE OR NON-PERFORMANCE OF THE SITES OR SERVICES, YOUR SOLE AND EXCLUSIVE REMEDY SHALL BE TO DISCONTINUE USE OF THE SITES OR SERVICES AND TERMINATE THIS AGREEMENT IN ACCORDANCE WITH ITS TERMS.

REGARDLESS OF THE PREVIOUS PARAGRAPHS, IF WE ARE FOUND TO BE LIABLE FOR ANY CAUSE OF ACTION WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, IN NO EVENT SHALL FINLOCKER AND ITS SUPPLIERS OR CLIENTS BE LIABLE FOR ANY DAMAGES OR OTHERWISE GREATER THAN FIFTY U.S. DOLLARS ($50), TO THE GREATEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW. THE EXISTENCE OF MULTIPLE CLAIMS SHALL NOT ENLARGE THE LIMIT.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

FOR CALIFORNIA RESIDENTS. IF YOU ARE A CALIFORNIA RESIDENT OR COULD OTHERWISE CLAIM THE PROTECTIONS OF CALIFORNIA LAW, YOU FURTHER EXPRESSLY WAIVE THE PROVISIONS OF SECTION 1542 OF THE CALIFORNIA CIVIL CODE, WHICH READS AS FOLLOWS: “A GENERAL RELEASE DOES NOT EXTEND TO THE CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE WHICH, IF KNOWN BY HIM OR HER, MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR.” YOU ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND SECTION 1542 OF THE CALIFORNIA CIVIL CODE, AND YOU HEREBY EXPRESSLY WAIVE AND RELINQUISH ALL RIGHTS AND BENEFITS UNDER THAT SECTION AND ANY LAW OF ANY JURISDICTION OF SIMILAR EFFECT WITH RESPECT TO YOUR RELEASE OF ANY CLAIMS YOU MAY HAVE AGAINST FINLOCKER.

14. Your Indemnification of Us

You agree to release us, our members, managers, officers, employees and agents, and Suppliers and Clients from any and all liability and obligations whatsoever in connection with or arising from your use of the Sites or Services. If at any time you are not happy with the Sites or Services or object to any material within them, your sole remedy is to cease using them. You agree to defend, indemnify and hold us, our officers, members, directors, employees and agents and Suppliers and Clients harmless from and against any and all claims, liabilities, damages, losses or expenses, including attorneys’ fees and costs and expenses, arising out of or in any way connected with (a) your access to or use of the Sites, Services or content or any part thereof, (b) any Account Information, Registered Information and other information you provide to us, to which you provide us access or you post via the Sites, (c) a breach or alleged breach by you of any of your representations, warranties, covenants or obligations under this Agreement, (d) infringement or misappropriation of any intellectual property or other rights of ours or third parties by you, or (e) any negligence or willful misconduct by you, (f) any other claim related to your performance under this Agreement, or (g) your use of any content provided by us.

 15. Terminating Our Relationship

Termination by You. This Agreement will continue to apply until terminated by either you or us as set out below. If you want to terminate your legal agreement with us, you may do so by contacting us at the contact information at the end of this Agreement or by closing your account electronically:

  • Log into your FinLocker account
  • Once logged into your account, click the “profile” icon in the top right-hand corner of the page.
  • You will be presented with some drop down options.
  • Choose “My Profile” from the options.
  • Choose “Settings”.
  • If you wish to delete your account, click the “Request Cancellation” button. You will be asked to confirm that you want to delete your account.
  • If you have any issues, contact support.consumer@finlocker.com

Termination by Us. We may at any time, terminate our legal agreement with you and your access to the Services:

  • if you have breached any provision of this Agreement (or have acted in a manner which clearly shows that you do not intend to, or are unable to comply with the provisions of this Agreement);
  • if we, in our sole discretion, believe it is required to do so by law (for example, where providing the Service to you is, or becomes, unlawful);
  • for any reason and at any time with or without notice to you; or
  • immediately upon notice, to the e-mail address provided by you as part of your Registration Information.

Termination by our partners or Clients. Our partners or Clients who sponsor the Services may terminate your access to the Services for any reason and at any time with or without notice to you.

You acknowledge and agree that we may immediately deactivate or delete your account and all related information and files in your account and/or prohibit any further access to all files and the Services by you. Further, you agree that we shall not be liable to you or any third party for any termination of your access to the Services, whether by us or one of our partners or Clients.

16. Copyright

Copyright Notice. We respect the intellectual property of others, and we ask our users to do the same. If you believe that your content has been copied in a way that constitutes copyright infringement, please provide our Designated Agent the following information: (a) an electronic or physical signature of the owner or person authorized to act on behalf of the owner of the copyright interest; (b) a description of the copyrighted work that you claim has been infringed; (c) a description of where the material that you claim is infringing is located on the Sites or Services sufficient to allow us to locate the allegedly infringing material; (d) your address, telephone number, and email address; (e) a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and (f) a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

The information specified above must be sent to FinLocker’s Designated Agent, whose contact information is as follows: FinLocker Inc., Attention: DMCA Designated Agent 168 N. Meramec Ave, Suite 250, St. Louis, Missouri 63105. Email: info@finlocker.com.

Please note that Section 512(f) of the Digital Millennium Copyright Act (“DMCA”) may impose liability for damages on any person who knowingly sends meritless notices of infringement. Please do not make false claims. Any information or correspondence that you provide to us may be shared with third parties, including the person who provided us with the allegedly infringing material. Copyright owners and agents acknowledge that failure to comply with all of the requirements of the foregoing may result in an invalidity of the DMCA notice.

Counter-Notice. If you believe that the content that was removed (or to which access was disabled) is not infringing, or that you have authorization from the copyright owner, the copyright owner’s agent, or pursuant to the law, to post and use the content, you may send a counter-notice containing the following information to the Designated Agent: (a) your physical or electronic signature; (b) identification of the content that has been removed or to which access has been disabled and the location at which the content appeared before it was removed or disabled; (c) a statement that you have a good faith belief that the content was removed or disabled as a result of mistake or a misidentification of the content; and (d) your name, address, telephone number, and e-mail address, a statement that you consent to the jurisdiction of the federal court in St. Louis County, Missouri, and a statement that you will accept service of process from the person who provided notification of the alleged infringement. If a counter-notice is received by the Designated Agent, we may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed content or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the person providing such content, the removed content may be replaced, or access to it restored, in 10 to 14 business days or more after receipt of the counter-notice, at our sole discretion.

Removal of Content. Please note, however, such content may not be completely removed or may otherwise still be available to others in the following circumstances: (a) your content has been incorporated into derivative works or compilations created by us or other parties; (b) such content has been retained in our data backup systems or for archival purposes; or (c) to the extent such content has been sold to or downloaded by other persons and such persons retain your content.

17. Miscellaneous

Waiver/Severability. No waiver of any term, provision or condition of this Agreement, whether by conduct or otherwise, in any one or more instances, shall be deemed to be, or shall constitute, a waiver of any other term, provision or condition hereof, whether or not similar, nor shall such waiver constitute a continuing waiver of any such term, provision or condition hereof. No waiver shall be binding unless executed in writing by the party making the waiver. If any provision of this Agreement is determined to be illegal or unenforceable, then such provision will be enforced to the maximum extent possible, and the other provisions will remain fully effective and enforceable.

Notice. Unless otherwise provided in this Agreement, all notices shall be in writing and shall be deemed to be delivered when sent by first-class mail, postage prepaid, or when sent by facsimile or email to either party’s last known post office, facsimile or email address, respectively. You hereby consent to notice by email. We may send you via such email address our newsletters, product updates, service-related information and other offers and information from us,  our partners or Clients, and you hereby consent to such emails. We may also contact you by email to respond to any customer service or other inquiries you submit.

Law/Agreement to Arbitrate. This Agreement is governed by and construed in accordance with the laws of the State of Missouri, without giving effect to its principles of conflicts of law. All disputes arising out of, or relating to, this Agreement (including formation, performance, breach, enforceability, and validity of this Agreement) or our operation of the Site shall be resolved by final and binding arbitration to be held in the English language in St. Louis, Missouri pursuant to the Commercial Arbitration Rules of the American Arbitration Association. The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this Agreement, including any claim that all or any part, of this Agreement is void or voidable.

WAIVER OF RIGHTS. YOU HEREBY AGREE THAT YOU UNDERSTAND THE CONSEQUENCES OF AGREEING TO BINDING ARBITRATION UNDER THIS SECTION, INCLUDING GIVING UP ANY CONSTITUTIONAL RIGHTS TO HAVE THE DISPUTE DETERMINED BY A COURT OF LAW OR BY A JURY AND ANY RIGHT THAT YOU MAY HAVE UNDER ARTICLE 13 OF THE STATE BAR ACT TO HAVE A TRIAL DE NOVO BY A COURT AFTER NONBINDING ARBITRATION OF A DISPUTE CONCERNING FEES OR COSTS; THAT DISCOVERY OF INFORMATION IN ARBITRATION MAY BE LIMITED; AND THAT THE ARBITRATION DECISION WILL BE FINAL AND BINDING, EXCEPT TO THE LIMITED EXTENT THAT JUDICIAL REVIEW MIGHT BE AVAILABLE. ALL CLAIMS AND DISPUTES WITHIN THE SCOPE OF THIS AGREEMENT MUST BE ARBITRATED OR LITIGATED ON AN INDIVIDUAL BASIS AND NOT ON A CLASS BASIS OR THROUGH PARTICIPATION IN A CLASS ACTION OR REPRESENTATIVE ACTION. CLAIMS OR DISPUTES OF MORE THAN ONE USER CANNOT BE ARBITRATED OR LITIGATED JOINTLY OR CONSOLIDATED WITH THOSE OF ANY OTHER USER.

Without prejudice to the agreement to resolve disputes in binding arbitration set forth in the previous paragraph, either party to this Agreement may obtain preliminary injunctive relief in a court of competent jurisdiction, for the purpose of enforcing any of the terms of this Agreement pending a final determination in arbitration or permanent relief for the purpose of enforcing arbitral awards.

Equitable Relief / Fees. The parties agree that breach of the provisions of this Agreement, including, but not limited to, the unauthorized use of the Services, would cause irreparable harm and significant injury to us which would be both difficult to ascertain and which would not be compensable by damages alone. As such, the parties agree that we have the right to enforce the provisions of this Agreement by injunction (without necessity of posting bond), specific performance, or other equitable relief without prejudice to any other rights and remedies we may have for your breach of this Agreement. If any action in law or in equity is necessary to enforce the terms of this Agreement, the prevailing party will be entitled to reasonable fees of attorneys, accountants, and other professionals, and costs and expenses in addition to any other relief to which such prevailing party may be entitled.

Force Majeure. If the performance of any part of this Agreement by either party (other than the payment of money) is prevented, hindered, delayed or otherwise made impracticable by reason of any flood, riot, fire, judicial or governmental action, labor disputes, act of God or any other causes beyond the control of either party, that party shall be excused from such to the extent that it is prevented, hindered or delayed by such causes.

Survival. The terms and provisions of Sections 4, 7 – 9, 12 – 14, and 17 shall survive any termination or expiration of this Agreement.

Assignment. You shall not assign or transfer this Agreement or any rights or obligations under this Agreement. Any unauthorized assignment or transfer shall be void and constitutes ground for immediate termination of this Agreement by us. This Agreement binds and inures to the benefit of us and our respective permitted successors and permitted assigns.

Entire Agreement. This Agreement constitutes the complete and exclusive statement of the agreement between the parties with respect to the Services and supersedes any and all prior or contemporaneous communications, representations, statements and understandings, whether oral or written, between the parties concerning the Services. The captions and headings of this Agreement are included for ease of reference only and will be disregarded in interpreting or construing this Agreement.

18. Contact

The Sites are operated by FinLocker Inc. All inquiries may be directed to FinLocker at:

FinLocker Inc.
8151 Clayton Road, Suite 204
St. Louis, Missouri, 63117
privacy@FinLocker.com

© 2024, FinLocker Inc. or its affiliates. All product names, logos, and brands are property of their respective owners. All FinLocker, product and service names used in this website are for identification purposes only. Use of these names, logos, and brands does not imply endorsement.