Please read this Agreement carefully before using the Platform or activating your Account, as these will apply to your use of our site. By using our site, you confirm that you accept these Terms and that you agree to comply with them.
IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT USE OUR SITE.
YOU ARE NOT ALLOWED TO USE OUR SITE, UNLESS YOU ARE AT LEAST 18 YEARS OF AGE.
“Account” means an electronic account in your name in order to provide access and to use the Platform.
“User” is any individual visiting or using the Platform, including but not limited to any holder of an Account, and including you.
Our Platform provides original content, as well as side-by-side comparisons between various alternative services and products, designed to educate and to equip you with tools, which may help you to better evaluate offerings. You can find out more information about the Platform and its features here: www.Moneytime.com/about/.
It is hereby clarified that any information contained on the Platform is general in nature and has been prepared without considering your objectives, financial situation or needs, and does not constitute advice as to taking or avoiding any action. The information provided is not intended to replace or serve as substitute for any advisory or other professional advice, consultation or service, including but not limited to legal, tax or financial advice. Before acting on any information on this website, you should consider whether or not such information is appropriate, relevant and applicable to your circumstances (as you should also consider with respect to any product or service displayed or offered to you, as a result of your use of the Platform). In addition, we recommend that you seek independent financial, legal, insurance and taxation advice prior to acquiring any financial, credit, loan, or insurance related products or services.
You may click-out of our Platform, when you click on a link to a compared service or product, or on a link under an article or content displayed on our Platform, in which case you are directed to a website outside of our Platform operated by an entity other than us (the “Affiliate Website” and the “Affiliate”, as applicable). In such circumstances, your use of the Affiliate Website will be subject to such Affiliate’s terms and conditions, which may conflict with these Terms; however, you may not expand Moneytime’s obligations or restrict Moneytime’s rights under these Terms. You hereby agree that Moneytime is not a party to any engagement between you and an Affiliate.
We may update our site from time to time and may change the content at any time. However, please note that any of the content on our site may be out of date at any given time, and we are under no obligation to update it.
We do not guarantee that our site, or any content on it, will be free from errors or omissions.
Creating an Account with us is optional, and you may use the Platform even if you are not a registered user of the Platform.
Whether you are a registered user or not, and notwithstanding anything herein to the contrary, we reserve the right, at our discretion, to modify these Terms from time to time, which modification will be effective seven (7) days following the posting of the modification to our Platform, and will apply to causes of action arising after the effective date of the change. You should continue checking the Platform for changes, as your continued use of our Platform following the posting of changes to these Terms will mean that you accept such changes.
We further reserve our right, in our sole discretion, to suspend or deny your access to the Platform immediately and with or without cause, including without limitation if we believe that you are in breach of these Terms for any reason whatsoever.
Creating an Account
License to You
Subject to these Terms and our policies (including policies made available to you within the Platform), we grant you a limited non-exclusive, non-transferable, non-sublicensable, revocable license to access and use our Platform on a mobile device or computer that you own or control, solely for your own personal purposes.
You acknowledge that your use of the Platform grants you no rights in or to the Platform or any of our intellectual property rights (including copyright, trademarks and patents) other than the right to use the Platform in accordance with these Terms.
Content and Marks
All content on the Platform, including without limitation, text, descriptions, products, software, graphics, all page headers, button icons, scripts, photos, interactive features, services, and any other content on the Platform (“Content“) and the trademarks, service marks and logos contained therein (“Marks“), are owned by or licensed to us.
Content in the Platform is provided to you “AS IS” for your information and personal use only and may not be used, copied, distributed, transmitted, broadcast, displayed, sold, licensed, de-compiled, or otherwise exploited for any other purposes whatsoever without our prior written consent. We reserve all rights not expressly granted in and to the Platform. If you download or print a copy of the Content for personal use, you must retain all copyright and other proprietary notices contained therein. You agree not to circumvent, disable or otherwise interfere with security-related features of the Platform or features that prevent or restrict use or copying of any Content or that enforce limitations on use of the Platform.
“Moneytime”, the Moneytime logo, and other Marks are trademarks of Moneytime or our affiliates’ Marks. All other trademarks, service marks, and logos used on our Platform are the trademarks, service marks, or logos of their respective owners.
This section shall survive any termination of these Terms.
You will and you agree to:
You agree NOT to:
Notices and Emails
In connection with your use of the Platform, we may send you service announcements, administrative messages, and other information. You may opt out of some of those communications. In addition, if you enter your email address and sign up for our newsletter or email promotions, we may from time to time send you such emails. You can always unsubscribe from any such emails by clicking on the unsubscribe link in our emails. We will never sell your email address or provide it to any third parties without your consent.
Mobile Features: Chatbot and SMS Messaging
If you access the Platform on your mobile phone, you may receive additional features. For example, you may interact with our chatbot and you may be asked if you would like to receive text messages on your mobile phone. Standard messaging, data and other fees may be charged by your carrier. If you provide your phone number or opt to interact with our chatbot, you agree that Moneytime may send communications to your mobile device or may send you messages through the chatbot. In addition, Moneytime may collect information from your device. For example, if you exchange messages through the Site, SMS messaging or through our Chatbot, we may store these messages in order to deliver them and allow you to manage them, including logging your phone number, phone carrier, and the date and time that the message was processed.
The Platform may contain links and references to third party websites, advertisers, services, special offers, or other events or activities that are not owned or controlled by us. We may or may not be affiliated with those websites. However, we have no control over those websites and assume no responsibility for the content, privacy policies, or practices of any third-party websites. In addition, we will not and cannot censor or edit the content of any third-party site.
Moneytime participates in affiliate programs and may allow affiliate links to be encoded on some of our pages. If, following your use of the Platform, you decide to access certain third-party websites and make use of the information contained therein, or enter into any agreement for the supply of services from such third-party, this may benefit us and cause us to earn a commission from our participation in such affiliate programs. Please be aware that there may be one or more intermediary lead generators that collect your information and provide it to the end merchant when you leave our Platform and provide information to any third-party service provider. We are not responsible for such lead generators.
Moneytime disclaims any obligation to review or ensure the accuracy or legality of any other website accessible through a link on this website. Such links are provided solely for the User’s convenience. We do not control and are not responsible for any of these sites or their content.
We specifically disclaim any liability (whether based in contract, tort, strict liability or otherwise) for any direct, indirect, incidental or consequential damages arising out of or in any way connected with the access to or use of this website.
Moneytime is not a bank, financial institution or credit card issuer or provider. We are an advertising-supported personal finance website, which means that some of the credit card issuers whose products are listed on the Platform pay us referral fees for directing potential new members to them. For example, if you click on certain credit card application links on the Platform, we may receive a referral fee from the credit card issuer. Moneytime either directs you to a third-party platform or collects the information you provide to send to participating credit card issuers or to third-party lead generator or aggregators. The third-party lender will conduct a preliminary review to determine your loan credit qualifications based on its guidelines and will contact you regarding its loan products and offers. Moneytime does not distribute the products of all credit card issuers available and therefore cannot guarantee the lowest price or best terms available in the market.
Moneytime is not a credit provider or a lender and is not an agent, representative, arranger, facilitator or broker of any lender. Moneytime directs you to third-party lenders or credit providers. If your loan is directed to one or more participating lenders, such lender or lenders will contact you with additional information or offers for their products or services. Providing your information on the Platform does not mean that a lender will be able to work with you or that you will be approved for a loan. Moneytime does not distribute the products of all lenders available and therefore cannot guarantee the lowest price or best terms available in the market.
Moneytime’s services are provided at no cost to you, and we will not charge or seek fees of any kind from you. We receive fees from participating lenders and are compensated based on fees for services, goods, or products provided by the participating lenders as promoted on our site. Neither this Platform nor its contents constitutes an offer or solicitation to lend.
Moneytime’s mortgage content on its Platform is solely intended to help you find and compare lenders or products that may meet your specific needs. Moneytime is not a lender, broker or underwriter. Moneytime does not take loan or mortgage applications, make credit decisions, or fund, provide or service loans. We do not enter into mortgages or loan agreements with consumers, and we will not charge or seek fees of any kind from you.
Moneytime either directs you to a third-party platform or collects the information you provide to send to participating lenders or to third-party lead generator or aggregators. The third-party lender will conduct a preliminary review to determine your loan qualifications based on its guidelines and will contact you regarding its loan products and offers. We do not distribute products from all lenders in the market and cannot guarantee that the loan terms or rates offered and made available by lenders are lowest rates or best terms available.
Moneytime is not an insurance broker or insurance agent and is not an agent, representative, arranger, facilitator or broker of any insurance provider. Moneytime directs you to third-party insurance providers or lead generators. If your loan is directed to one or more participating insurance brokers, such insurance brokers will contact you with additional information or offers for their products or services. Providing your information on the Platform does not mean that an insurance broker will be able to work with you or that you will be approved for any insurance coverage or other product. Moneytime does not distribute the products of all insurance providers or brokers available and therefore cannot guarantee the lowest price or best terms available in the market.
Moneytime’s services are provided at no cost to you, and we will not charge or seek fees of any kind from you. We receive fees from participating insurance brokers and are compensated based on fees for services, goods, or products provided by the participating insurance brokers as promoted on our site.
Moneytime also works with one or more third parties to facilitate access to your credit score. Accessing your credit score will require leaving the Platform and your access will be subject to the third-party provider’s terms and conditions. You should always read such third-party’s terms and conditions prior to providing any personal information or using their services. Moneytime will not receive your credit score or the personal information you provide on any such third-party platform.
End User Data and Information
Our site may collect data about the visitors (including e-mail addresses) of our site and may monitor the interaction between them and our site (“Data Collection”). By using our site, you agree to the Data Collection.
We reserve the right to access, read, preserve, and disclose any information as we reasonably believe is necessary to:
The information available through the provision of our Platform (the “Information”) is provided to you for your personal information, educational and entertainment purposes only and should not be construed as financial, legal, tax advice or other professional advice. It is not intended as an offer, solicitation, invitation or inducement for the purchase, sale or holding of any product or service in any jurisdiction. The Platform may contain information and opinion on services and products but does not constitute independent investment research, nor non-independent research, and is therefore not subject to the regulatory protections afforded to research. It should not be assumed that the methods, techniques, or indicators presented in the Information will be profitable or that they will not result in losses. Past results or claims of past performances of any specific service or product published or described on the Platform are not indicative of future returns or performance by that service or products. The Platform may contain forward-looking statements, forecasts, estimates and projections. We do not represent or warrant that such forward statements will be achieved or will prove to be correct. Actual future results and operations could vary materially from them.
All insurance and financial services involve financial risk, and Moneytime and its Affiliates assume no liability in the event any person uses or relies upon the Information on the Platform.
The Information on the Platform may be based on assumptions or market conditions and may change without notice. Moneytime accepts no obligation to correct or update the information or opinions on the Platform.
Moneytime makes no representation or warranty as to the accuracy, completeness, timeliness or reliability of the contents of the Platform, and other than as required under applicable consumer protection law, Moneytime accepts no responsibility for errors or misstatements, negligent or otherwise and under no circumstances will Moneytime be liable for any loss or damage whatsoever caused by a user’s reliance on information obtained from the Platform, including from use of tools / calculators / other financial tools.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE, OUR AFFILIATES AND OUR AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, LICENSORS, ASSIGNS AND AGENTS SPECIFICALLY DISCLAIM ANY AND ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, MERCHANTABLE QUALITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF USING THE PLATFORM.
WHILE WE MAKE REASONABLE EFFORTS TO ENSURE THAT THE PLATFORM WILL FUNCTION AS CLAIMED, WE, OUR AFFILIATES AND OUR AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, LICENSORS, ASSIGNS AND AGENTS DO NOT GUARANTEE THAT THE PLATFORM WILL BE FREE OF BUGS, SECURITY BREACHES, VIRUS ATTACKS AND THE LIKE, OR THAT IT WILL ALWAYS BE AVAILABLE. IN ADDITION, YOU AGREE THAT WE WILL NOT BE HELD RESPONSIBLE FOR ANY CONSEQUENCES TO USERS THAT MAY RESULT FROM TECHNICAL PROBLEMS OF THE INTERNET, SLOW CONNECTIONS, TRAFFIC CONGESTION OR OVERLOAD OF OUR OR OTHER SERVERS, ETC.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE, OUR AFFILIATES AND OUR AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, LICENSORS, ASSIGNS AND AGENTS SHALL NOT BE LIABLE FOR ANY LOSS OF MONEY, GOODWILL, REPUTATION, DATA, INTANGIBLE LOSSES, SPECIAL, INDIRECT, DIRECT, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES, THAT RESULT FROM (I) THE USE OF, OR THE INABILITY TO USE, THE PLATFORM; (II) ANY CONDUCT OF ANY THIRD PARTY ON THE PLATFORM; OR (III) UNAUTHORIZED ACCESS, USE OR ALTERATION OF YOUR TRANSMISSIONS; EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSSES OR DAMAGES.
TO THE FULLEST EXTENT PERMITTED BY LAW, WE DO NOT ASSUME ANY LIABILITY OR RESPONSIBILITY FOR ANY (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT, (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE PLATFORM, (III) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN.
IN ANY EVENT AND WITHOUT LIMITING THE GENERALITY OF THIS SECTION TO THE EXTENT PERMITTED BY LAW YOU AGREE THAT OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES AND LOSSES SHALL NOT IN ANY CIRCUMSTANCES EXCEED $10.
SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
You expressly acknowledge and agree that:
It is our policy to respect the legitimate rights of copyright and other intellectual property owners and we have adopted the following general policy toward copyright infringement in accordance with the Digital Millennium Copyright Act.
We have designated an agent (specified below) to receive notifications of claimed copyright infringement on our site. Please be advised that we enforce a policy that provides for the termination in appropriate circumstances of subscribers who are repeat infringers.
If you believe that your work has been copied in a way that constitutes copyright infringement or that your intellectual property rights have been otherwise violated, please provide our agent with the following information:
Our agent for notice of claims of copyright or other intellectual property infringement can be reached as follows: [email protected].
Once such notice of infringement is properly received by the designated agent, it is our policy:
If you believe that the material you posted was removed by mistake, you may elect to send us a counter notice. To be effective, the counter-notification must be a written communication provided to our designated agent that includes substantially the following:
These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by us without restriction or notification to you.
You agree to defend, indemnify and hold harmless us, our affiliates, and our and their respective owners, officers, directors, employees, agents, and/or licensors, from and against any and all claims, damages, obligations, losses, liabilities, costs and expenses (including but not limited to attorney’s fees) arising from: (i) your use of, or inability to use, the Platform; (ii) your violation of these Terms; (iii) your violation of any third party right, including without limitation any copyright, property, publicity or privacy right; or (iv) breach of any law or regulation.
This obligation to defend, hold harmless and indemnify will survive any termination of these Terms and your use of the Platform.
You may terminate your use of our Platform at any time by deleting your Account.
These Terms shall be governed and construed by the laws of the State of California, without respect to its conflict of laws principles. You agree to submit to the personal and exclusive jurisdiction of the State and Federal courts located in San Diego, California, and waive any jurisdictional, venue, or inconvenient forum objections to such courts.
SOME JURISDICTIONS MAY NOT ALLOW OR LIMIT SOME OF THE PROVISIONS OF THESE TERMS, SO THAT SUCH PROVISIONS MAY NOT APPLY TO YOU.
Sections 4 to 12 shall survive any termination of these Terms and your use of the Platform, including, without limitation, ownership provisions, warranty disclaimers, limitations of liability, indemnities and legal provisions.
Moneytime Inc. is a Delaware corporation with its headquarters at 4225 Executive Drive, Suite 1000, La Jolla, CA 92037. You may contact us at the preceding address or via email at [email protected].
Thank you for visiting our site.
Last Updated: December 2019