Step 1: End-User License Agreement
The Terms and Conditions that you agreed to: BY ELECTRONICALLY SUBSCRIBING TO THIS ADVICEAMERICA/FISERV SERVICE, THE UNDERSIGNED (“YOU” or “YOUR”, capitalized or lowercase) AGREES TO THE FOLLOWING TERMS AND CONDITIONS (THE "AGREEMENT") GOVERNING YOUR USE OF FISERV’S ONLINE SERVICE, INCLUDING OFFLINE COMPONENTS (COLLECTIVELY, THE "SERVICE"). IF YOU ARE ENTERING INTO THIS AGREEMENT ON BEHALF OF A COMPANY OR OTHER LEGAL ENTITY, YOU REPRESENT THAT YOU HAVE THE AUTHORITY TO BIND SUCH ENTITY TO THESE TERMS AND CONDITIONS, IN WHICH CASE THE TERMS "YOU" OR "YOUR" SHALL REFER TO SUCH ENTITY. IF YOU DO NOT HAVE SUCH AUTHORITY, OR IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS, YOU MUST HAVE SELECTED THE "I DECLINE" BUTTON AND MAY NOT USE THE SERVICE. Welcome As part of the Service, AdviceAmerica’s will provide you with use of the Service, including a browser interface, data encryption, transmission, access and storage. Your registration for, or use of, the Service shall be deemed to be your agreement to abide by this Agreement, including any materials available on the AdviceAmerica website, incorporated by reference herein, including but not limited to AdviceAmerica’s privacy and security policies. For reference, a Definitions section is included at the end of this Agreement. The Service is offered in several editions: - AdvisorVision Comprehensive Planning Edition - AdvisorVision Retirement Planning Edition - ClientVision - PortfolioVision - LifeVision In addition, we offer a 15-day free trial of our service with no further obligation. Please see our website for feature differences between the various editions. 1. Privacy & Security; Disclosure AdviceAmerica’s privacy policies may be viewed at http://www.AdviceAmerica.com/AAcorp/privacy.html. AdviceAmerica reserves the right to modify its privacy and security policies in its reasonable discretion from time to time. Individual users, when they initially login, will be asked whether or not they wish to receive marketing and other non-critical Service-related communications from AdviceAmerica from time to time. They may opt out of receiving such communications at that time or at any subsequent time by changing their preference under Personal Setup. Note that because the Service is a hosted, online application, AdviceAmerica occasionally may need to notify all users of the Service (whether or not they have opted out as described above) of important announcements regarding the operation of the Service. If you become a paying customer of the Service, you agree that AdviceAmerica can disclose the fact that you are a paying customer and the edition of the Service that you are using. 2. License Grant & Restrictions AdviceAmerica hereby grants you a personal, non-exclusive, non-transferable, limited right to access and use the Service within the United States of America, solely for your own internal business purposes, subject to the terms and conditions of this Agreement. All rights not expressly granted to you are reserved by AdviceAmerica and its licensors. You may not access or use the Service if you are a direct competitor of AdviceAmerica, except with AdviceAmerica’s prior written consent. In addition, you may not access the Service for purposes of monitoring its availability, performance or functionality, or for any other benchmarking or competitive purposes. You shall not (i) license, sublicense, sell, resell, transfer, assign, distribute or otherwise commercially exploit or make available to any third party the Service or the Content in any way; (ii) modify or make derivative works based upon the Service or the Content; (iii) create Internet "links" to the Service or "frame" or "mirror" any Content on any other server or wireless or Internet-based device; or (iv) reverse engineer or access the Service in order to (a) build a competitive product or service, (b) build a product using similar ideas, features, functions or graphics of the Service, or (c) copy any ideas, features, functions or graphics of the Service. User licenses are unique to an individual and cannot be shared or used by more than one individual User; provided, however, if you are a company or other legal entity, you may reassign User licenses under circumstances where you are replacing former Users who have terminated employment or otherwise changed job status or function and no longer require access to and use of the Service. You may use the Service only for your internal business purposes and shall not: (i) send spam or otherwise duplicative or unsolicited messages in violation of applicable laws; (ii) send or store infringing, obscene, threatening, libelous, or otherwise unlawful or tortuous material, including material harmful to children or violative of third party privacy rights; (iii) send or store material containing software viruses, worms, Trojan horses or other harmful computer code, files, scripts, agents or programs; (iv) interfere with or disrupt the integrity or performance of the Service or the data contained therein; or (v) attempt to gain unauthorized access to the Service or its related systems or networks. 3. Your Responsibilities You are responsible for all activity occurring under your User accounts and shall abide by all applicable local, state, national and foreign laws, treaties and regulations in connection with your use of the Service, including those related to data privacy, international communications and the transmission of technical or personal data. You shall: (i) notify AdviceAmerica immediately of any unauthorized use of any password or account or any other known or suspected breach of security; (ii) report to AdviceAmerica immediately and use reasonable efforts to immediately stop any copying or distribution of Content that is known or suspected by you or your Users; and (iii) not impersonate another AdviceAmerica user or provide false identity or information to gain access to or use the Service. 4. Account Information and Data AdviceAmerica does not own any data, information or material that you submit to the Service in the course of using the Service ("Customer Data"). You, not AdviceAmerica, shall have sole responsibility for the accuracy, quality, integrity, legality, reliability, appropriateness, and intellectual property ownership or right to use all such Customer Data, and AdviceAmerica shall not be responsible or liable for the deletion, correction, destruction, damage, loss or failure to store any Customer Data. AdviceAmerica reserves the right to withhold, remove and/or discard Customer Data, without notice, for any breach including, without limitation, your non-payment. Upon termination for cause, your right to access or use Customer Data immediately ceases, and AdviceAmerica shall have no obligation to maintain or forward any Customer Data. 5. Intellectual Property Ownership AdviceAmerica (and its licensors, where applicable) shall exclusively own all right, title and interest, including all related Intellectual Property Rights, in and to the AdviceAmerica Technology, the Content and the Service and any suggestions, ideas, enhancement requests, feedback, recommendations or other information provided by you or any other party relating to the Service. This Agreement is not a sale and does not convey to you any rights of ownership in or related to the Service, the AdviceAmerica Technology or the Intellectual Property Rights owned by AdviceAmerica, Inc. The AdviceAmerica name, the AdviceAmerica logo, and the product names associated with the Service are trademarks of AdviceAmerica or third parties, and no right or license is granted to use them. 6. Charges and Payment of Fees You shall pay all fees or charges to your account in accordance with the fees, charges, and billing terms in effect at the time a fee or charge is due and payable. The initial charges will be equal to the current number of total User licenses requested times the User license fee currently in effect. Payments must be made annually, in advance, unless otherwise mutually agreed upon in an Order Form or through the Online Order Center. All payment obligations are non-cancelable and all amounts paid are nonrefundable. You are responsible for paying for all User licenses ordered for the entire License Term, whether or not such User licenses are actively used. You must provide AdviceAmerica with valid credit card or approved purchase order information as a condition to signing up for the Service. An authorized License Administrator may add licenses by executing an additional written Order Form or using the Online Order Center. Added licenses will be subject to the following: (i) added licenses will be coterminous with the preexisting License Term (either Initial Term or renewal term); (ii) the license fee for the added licenses will be the then current, generally applicable license fee; and (iii) licenses added in the middle of a billing month will be charged in full for that billing month. AdviceAmerica reserves the right to modify its fees and charges and to introduce new charges at any time, upon at least 30 days prior notice to you, which notice may be provided by e-mail. All pricing terms are confidential, and you agree not to disclose them to any third party. 7. Data Storage The maximum disk storage space for applicable products provided to you at no additional charge is as specified at http://www.adviceamerica.com, and in the online user guide accessible via the Service. If the amount of disk storage required exceeds these limits, you will be charged the then-current storage fees. AdviceAmerica will use reasonable efforts to notify you when the average storage used per license reaches approximately 90% of the maximum; however, any failure by AdviceAmerica to so notify you shall not affect your responsibility for such additional storage charges. AdviceAmerica reserves the right to establish or modify its general practices and limits relating to storage of files and Customer Data. 8. Billing and Renewal AdviceAmerica charges and collects fees in advance for use of the Service. AdviceAmerica will automatically renew and bill your credit card or issue an invoice to you either monthly (credit card billing only) or each year on the subsequent anniversary, in accordance with your purchase preference, or as otherwise mutually agreed upon in writing. The renewal charge will be equal to the then-current number of total User licenses times the then-current license fee in effect at the time of renewal. Fees for other services will be charged on an as-quoted basis. AdviceAmerica’s fees are exclusive of all taxes, levies, or duties imposed by taxing authorities, and you shall be responsible for payment of all such taxes, levies, or duties, excluding only United States (federal or state) taxes based solely on AdviceAmerica’s income. You agree to provide AdviceAmerica with complete and accurate billing and contact information. This information includes your legal company name, street address, e-mail address, and name and telephone number of an authorized billing contact and License Administrator. You agree to update this information within 30 days of any change to it. If the contact information you have provided is false or fraudulent, AdviceAmerica reserves the right to terminate your access to the Service in addition to any other legal remedies. Unless AdviceAmerica in its discretion determines otherwise all payments will be billed in U.S. dollars and subject to U.S. payment terms and pricing schemes. If you believe your bill is incorrect, you must contact us in writing within 90 days of the invoice date of the invoice containing the amount in question to be eligible to receive an adjustment or credit. 9. Non-Payment and Suspension In addition to any other rights granted to AdviceAmerica herein, AdviceAmerica reserves the right to suspend or terminate this Agreement and your access to the Service if your account becomes delinquent (falls into arrears). Delinquent invoices (accounts in arrears) are subject to interest of 1% per month on any outstanding balance, or the maximum permitted by law, whichever is less, plus all expenses of collection. You will continue to be charged for User licenses during any period of suspension. If you or AdviceAmerica initiates termination of this Agreement, you will be obligated to pay the balance due on your account computed in accordance with the Charges and Payment of Fees section above. You agree that AdviceAmerica may charge such unpaid fees to your credit card or otherwise bill you for such unpaid fees. AdviceAmerica reserves the right to impose a reconnection fee in the event you are suspended and thereafter request access to the Service. You agree and acknowledge that AdviceAmerica has no obligation to retain Customer Data and that such Customer Data may be irretrievably deleted if your account is 30 days or more delinquent. 10. Term; Termination upon Expiration/Reduction in Number of Licenses This Agreement commences on the Effective Date. The Initial Term will be as you elect during the online subscription process or as otherwise mutually agreed upon in an Order Form. Upon the expiration of the Initial Term, this Agreement will automatically renew for successive renewal terms equal in duration to the Initial Term (or one year, if the Initial Term is greater than one year) at AdviceAmerica’s then- current fees. Either party may terminate this Agreement or reduce the number of licenses, effective only upon the expiration of the then current License Term, by notifying the other party in writing at least five (5) business days prior to the date of the invoice for the following term. In the case of free trials, notifications provided through the Service indicating the remaining number of days in the free trial shall constitute notice of termination. You agree and acknowledge that AdviceAmerica has no obligation to retain the Customer Data, and may delete such Customer Data, more than 30 days after termination. 11. Termination for Cause Any breach of your payment obligations or unauthorized use of the AdviceAmerica Technology or Service will be deemed a material breach of this Agreement. AdviceAmerica, in its sole discretion, may terminate your password, account or use of the Service if you breach or otherwise fail to comply with this Agreement. In addition, AdviceAmerica may terminate a free account at any time in its sole discretion. You agree and acknowledge that AdviceAmerica has no obligation to retain the Customer Data, and may delete such Customer Data, if you have materially breached this Agreement, including but not limited to failure to pay outstanding fees, and such breach has not been cured within 30 days of notice of such breach. 12. Representations & Warranties Each party represents and warrants that it has the legal power and authority to enter into this Agreement. AdviceAmerica represents and warrants that it will provide the Service in a manner consistent with general industry standards reasonably applicable to the provision thereof and that the Service will perform substantially in accordance with the online AdviceAmerica help documentation under normal use and circumstances. You represent and warrant that you have not falsely identified yourself nor provided any false information to gain access to the Service and that your billing information is correct. 13. Mutual Indemnification You shall indemnify and hold AdviceAmerica, its licensors and each such party's parent organizations, subsidiaries, affiliates, officers, directors, employees, attorneys and agents harmless from and against any and all claims, costs, damages, losses, liabilities and expenses (including attorneys' fees and costs) arising out of or in connection with: (i) a claim alleging that use of the Customer Data infringes the rights of, or has caused harm to, a third party; (ii) a claim, which if true, would constitute a violation by you of your representations and warranties; or (iii) a claim arising from the breach by you or your Users of this Agreement, provided in any such case that AdviceAmerica (a) gives written notice of the claim promptly to you; (b) gives you control of the defense and settlement of the claim (provided that you may not settle any claim unless such settlement includes an unconditional release of AdviceAmerica of all liability, and such settlement does not affect AdviceAmerica’s business or Service, or its reputation and goodwill); (c) provides to you all reasonable information and assistance; and (d) has not compromised or settled such claim. AdviceAmerica shall indemnify and hold you and your parent organizations, subsidiaries, affiliates, officers, directors, employees, attorneys and agents harmless from and against any and all claims, costs, damages, losses, liabilities and expenses (including attorneys' fees and costs) arising out of or in connection with: (i) a claim alleging that the Service directly infringes a copyright, a U.S. patent issued as of the Effective Date, or a trademark of a third party; (ii) a claim, which if true, would constitute a violation by AdviceAmerica of its representations or warranties; or (iii) a claim arising from breach of this Agreement by AdviceAmerica; provided that you (a) promptly give written notice of the claim to AdviceAmerica; (b) give AdviceAmerica sole control of the defense and settlement of the claim (provided that AdviceAmerica may not settle any claim unless such settlement includes an unconditional release of you of all liability); (c) provide to AdviceAmerica all available information and assistance; and (d) have not compromised or settled such claim. AdviceAmerica shall have no indemnification obligation, and you shall indemnify AdviceAmerica pursuant to this Agreement, for claims arising from any infringement arising from the combination of the Service with any of your products, service, systems, hardware or business process(s). 14. Disclaimer of Warranties ADVICEAMERICA AND ITS LICENSORS MAKE NO REPRESENTATION, WARRANTY, OR GUARANTY AS TO THE RELIABILITY, TIMELINESS, QUALITY, SUITABILITY, TRUTH, AVAILABILITY, ACCURACY OR COMPLETENESS OF THE SERVICE OR ANY CONTENT. ADVICEAMERICA AND ITS LICENSORS DO NOT REPRESENT OR WARRANT THAT (A) THE USE OF THE SERVICE WILL BE SECURE, TIMELY, UNINTERRUPTED OR ERROR-FREE OR OPERATE IN COMBINATION WITH ANY OTHER HARDWARE, SOFTWARE, SYSTEM OR DATA, (B) THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS, (C) ANY STORED DATA WILL BE ACCURATE OR RELIABLE, (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS, (E) ERRORS OR DEFECTS WILL BE CORRECTED, OR (F) THE SERVICE OR THE SERVER(S) THAT MAKE THE SERVICE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE SERVICE AND ALL CONTENT IS PROVIDED TO YOU STRICTLY ON AN "AS IS" BASIS. ALL CONDITIONS, REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF THIRD PARTY RIGHTS, ARE HEREBY DISCLAIMED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW BY ADVICEAMERICA AND ITS LICENSORS. 15. Internet Delays ADVICEAMERICA’S SERVICES MAY BE SUBJECT TO LIMITATIONS, DELAYS, AND OTHER PROBLEMS INHERENT IN THE USE OF THE INTERNET AND ELECTRONIC COMMUNICATIONS. ADVICEAMERICA IS NOT RESPONSIBLE FOR ANY DELAYS, DELIVERY FAILURES, OR OTHER DAMAGE RESULTING FROM SUCH PROBLEMS. 16. Limitation of Liability IN NO EVENT SHALL EITHER PARTY'S AGGREGATE LIABILITY EXCEED THE AMOUNTS ACTUALLY PAID BY AND/OR DUE FROM YOU IN THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO SUCH CLAIM. IN NO EVENT SHALL EITHER PARTY AND/OR ITS LICENSORS BE LIABLE TO ANYONE FOR ANY INDIRECT, PUNITIVE, SPECIAL, EXEMPLARY, INCIDENTAL, CONSEQUENTIAL OR OTHER DAMAGES OF ANY TYPE OR KIND (INCLUDING LOSS OF DATA, REVENUE, PROFITS, USE OR OTHER ECONOMIC ADVANTAGE) ARISING OUT OF, OR IN ANY WAY CONNECTED WITH THIS SERVICE, INCLUDING BUT NOT LIMITED TO THE USE OR INABILITY TO USE THE SERVICE, OR FOR ANY CONTENT OBTAINED FROM OR THROUGH THE SERVICE, ANY INTERRUPTION, INACCURACY, ERROR OR OMISSION, REGARDLESS OF CAUSE IN THE CONTENT, EVEN IF THE PARTY FROM WHICH DAMAGES ARE BEING SOUGHT OR SUCH PARTY'S LICENSORS HAVE BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 17. Additional Rights Certain states and/or jurisdictions do not allow the exclusion of implied warranties or limitation of liability for incidental, consequential or certain other types of damages, so the exclusions set forth above may not apply to you. 18. Local Laws and Export Control This site provides services and uses software and technology that may be subject to United States export controls administered by the U.S. Department of Commerce, the United States Department of Treasury Office of Foreign Assets Control, and other U.S. agencies and the export control regulations of Switzerland and the European Union. This site may use encryption technology that is subject to licensing requirements under the U.S. Export Administration Regulations, 15 C.F.R. Parts 730-774 and Council Regulation (EC) No. 1334/2000 19. Modification to Terms AdviceAmerica reserves the right to modify the terms and conditions of this Agreement or its policies relating to the Service at any time, effective upon posting of an updated version of this Agreement on the Service. You are responsible for regularly reviewing this Agreement. Continued use of the Service after any such changes shall constitute your consent to such changes. 20. Assignment; Change in Control This Agreement may not be assigned by you without the prior written approval of AdviceAmerica but may be assigned without your consent by AdviceAmerica to (i) a parent or affiliate, (ii) an acquirer of substantially all of its assets, or (iii) a successor by merger, reorganization or sale. Any purported assignment in violation of this section shall be void. Any actual or proposed change in control of you that results or would result in a direct competitor of AdviceAmerica directly or indirectly owning or controlling 50% or more of you shall entitle AdviceAmerica to terminate this Agreement for cause immediately upon written notice. 21. General This Agreement shall be governed by the laws of the State of New York and controlling United States federal law, without regard to the choice or conflicts of law provisions of any jurisdiction, and any disputes, actions, claims or causes of action arising out of or in connection with this Agreement or the Service shall be subject to the exclusive jurisdiction of the state and federal courts located in the Borough of Manhattan, New York City, New York. No text or information set forth on any other purchase order, preprinted form or document (other than an Order Form, if applicable) shall add to or vary the terms and conditions of this Agreement. If any provision of this Agreement is held by a court of competent jurisdiction to be invalid or unenforceable, then such provision(s) shall be construed, as nearly as possible, to reflect the intentions of the invalid or unenforceable provision(s), with all other provisions remaining in full force and effect. No joint venture, partnership, employment, or agency relationship exists between you and AdviceAmerica as a result of this agreement or use of the Service. The failure of AdviceAmerica to enforce any right or provision in this Agreement shall not constitute a waiver of such right or provision unless acknowledged and agreed to by AdviceAmerica in writing. This Agreement, together with any applicable Order Form, comprises the entire agreement between you and AdviceAmerica and supersedes all prior or contemporaneous negotiations, discussions or agreements, whether written or oral, between the parties regarding the subject matter contained herein. 22. Definitions As used in this Agreement and in any Order Forms now or hereafter associated herewith: "AdviceAmerica" means collectively AdviceAmerica, Inc., a Delaware corporation, having its principal place of business at 3179 Skyway Court, Fremont, California 94539; "AdviceAmerica Technology" means all of AdviceAmerica’s proprietary technology (including software, hardware, products, processes, algorithms, user interfaces, know-how, techniques, designs and other tangible or intangible technical material or information) made available to you by AdviceAmerica in providing the Service; "Agreement" means these online terms of use, any Order Forms, whether written or submitted online via the Online Order Center, and any materials available on the AdviceAmerica website specifically incorporated by reference herein, as such materials, including the terms of this Agreement, may be updated by AdviceAmerica from time to time in its sole discretion; "Content" means the audio and visual information, documents, software, products and services contained or made available to you in the course of using the Service; "Customer Data" means any data, information or material provided or submitted by you to the Service in the course of using the Service; "Effective Date" means the earlier of either the date this Agreement is accepted by signing the "I Accept" option presented after this Agreement or the date you begin using the Service; "Initial Term" means the contract term, beginning on the contract start date and ending on the contract end date, specified on the applicable Order Form; "Intellectual Property Rights" means unpatented inventions, patent applications, patents, design rights, copyrights, trademarks, service marks, trade names, domain name rights, mask work rights, know-how and other trade secret rights, and all other intellectual property rights, derivatives thereof, and forms of protection of a similar nature anywhere in the world; "License Administrator(s)" means those Users designated by you who are authorized to purchase licenses online using the Online Order Center or by executing written Order Forms and to create User accounts and otherwise administer your use of the Service; "License Term(s)" means the period(s) during which a specified number of Users are licensed to use the Service pursuant to the Order Form(s); "Order Form(s)" means the form evidencing the initial subscription for the Service and any subsequent order forms submitted online or in written form, specifying, among other things, the number of licenses and other services contracted for, the applicable fees, the billing period, and other charges as agreed to between the parties, each such Order Form to be incorporated into and to become a part of this Agreement (in the event of any conflict between the terms of this Agreement and the terms of any such Order Form, the terms of this Agreement shall prevail); "Online Order Center" means AdviceAmerica’s online application that allows the License Administrator designated by you to, among other things, add additional Users to the Service; "Service(s)" means the specific edition of AdviceAmerica’s online Financial Planning and Client Relationship Management services identified during the ordering process, developed, operated, and maintained by AdviceAmerica, accessible via http://www.AdviceAmerica.com or another designated web site or IP address, or ancillary online or offline products and services provided to you by AdviceAmerica, to which you are being granted access under this Agreement, including the AdviceAmerica Technology and the Content; "User(s)" means your employees, representatives, consultants, contractors or agents who are authorized to use the Service and have been supplied user identifications and passwords by you (or by AdviceAmerica at your request). 23. Questions or Additional Information: If you have questions regarding this Agreement or wish to obtain additional information, please send an e-mail to info@AdviceAmerica.com
I have read and abide by the above Terms and Conditions
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