Date Last Revised: August 23, 2016
By using the information, tools, software, features, and functionality, including content, updates and new releases located on LifeStarter.com (together the “Service”), you agree to be bound by this Agreement, whether you are a visitor to our website or you are a registered “Member” or “Premium Member.” The term “you” or “User” refers to both Members and Users. The term “we” or “us” refers to LifeStarter, Inc., and its affiliates, parents, and licensors. You must read this Agreement and indicate your acceptance during the registration process.
You cannot enter this Agreement or use the Service if you are not of a legal age or otherwise not competent to form a binding contract. By accepting this Agreement, you are affirming that you are of legal age and are otherwise competent to enter a contractual relationship with us.
For information about how we protect your personal information and data, please read our Privacy and Security Policy, which is incorporated into this Agreement. The policy may be updated from time to time at our sole discretion. Any changes are effective upon posting to the site. Anonymous, aggregate information, comprising financial account balances, other financial account data, or other available data that is collected through use of the Service, may be used by us or our third-party vendors to conduct certain analytical research, performance tracking, and benchmarking. We or our vendors may use summary or aggregate results relating to metrics composed of research data, from time to time, and distribute or license such anonymous, aggregated research data for any purpose, including but not limited to helping to improve products and services and assisting in troubleshooting and technical support. Your personally identifiable information will NOT be shared with or sold to third parties.
The Service provides tools that facilitate tracking and consolidation of personal financial information at LifeStarter.com. In addition, the Service gives Members access to trusted personal finance education and a proven process of debt elimination and wealth building. Based on information provided, the Service may also present information relating to other services we offer or third-party products or services (“Special Offers”).
The Service is provided to help in organizing and managing your finances. Members are provided this service for free. Premium Members receive enhanced services on a paid basis. Additional content may be offered to all Members in the nature of general personal finance education and empowerment. Links and promotion of third-party services or products, which may appear from time to time, should be considered as paid advertisements. LifeStarter does not warrant or guarantee the services or products offered by third-parties on our site or through the Service.
We work very hard to provide the reliable and trustworthy personal finance education and management. However, the Service is not offered as legal, accounting, tax, or other professional advice or service. You should always seek the help of a competent professional to assist and advise on your fact-specific circumstances.
All trial memberships for LifeStarter Premium, unless otherwise stated, require a valid debit or credit card for User verification and will automatically convert into a paying membership at the end of said trial period unless “auto renew” is turned off by the Member in the user settings. If the Member does not turn off auto-renew by the end of the trial period, payment will be processed on the day following the end of the trial period. Any trial membership that does not require payment information during the initial sign-up process will expire at the end of the trial period unless payment is made for continuing the service. If payment is made during the trial period, the payment will be processed the same day but will cover the thirty (30) days after the trial period. Trial periods are limited to one per customer and can vary in length depending on promotions.
At times, various market tests may be conducted, including special promotions. Any user who may receive “premium" features for free as a part of any market testing, will be guaranteed those features at no additional charge for a minimum of one (1) year from the time of signing up unless otherwise stated. Depending on the test, users may not be aware if they are part of a special promotion. Users may contact support at anytime to determine if they are and/or opt out of the program.
We accept American Express, Discover, MasterCard, and Visa debit and credit cards for payment.
If payment attempt is declined, you have thirty (30) days to provide a new card or your LifeStarter Premium membership will be canceled. You are responsible to notify us if you do not want to renew by turning off auto-renew in user settings. We will run a one-dollar ($1.00) authorization (displaying as a Pending Transaction) to make sure the form of payment is valid. If it is not valid, we will be notified to help the User resolve the issue. If it is valid, we will process full payment based on the payment plan you selected and the authorization charge will be removed within a few business days.
LifeStarter Premium memberships may also be created or extended by redeeming vouchers. Vouchers are nontransferable and may not be sold or exchanged for refunds. Vouchers are valid for thirty (30) days following purchase. Use of vouchers requires a LifeStarter.com account and can be redeemed in user settings. Vouchers require current billing information to be on file at the time of redemption. Redemption of a voucher will automatically turn auto-renew on and will create a new renewal date for users based on the period length the voucher is good for. If you do not desire renewal, please turn the auto-renew function off in your user settings.
Depending upon the type of membership registered, Members may direct us to retrieve their personal information maintained online by a bank or other third party (“Account Information”). We do not store your Account Information. Instead, we have contracted with a third party to provide connection to financial service providers to access this Account Information. Neither we nor any vendor reviews the Account Information for accuracy, legality, or non-infringement.
We cannot predict technical or other difficulties that may result in failure to obtain data or loss of data, personalization settings, or other service interruptions. We do not assume responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store any User data, communications, or personalization settings. For example, Account Information is only as fresh as provided by the bank or other third party. Such information may be more up to date when obtained directly from the relevant sites.
Our site and parts of the Service may contain links from advertisers and display Special Offers that may be custom matched to you based on information stored in the Service, queries made through the Service, or other information. In connection with Special Offers, the Service may provide links to other web sites belonging to advertisers and other third parties. We do not warrant or guarantee the products or services available through the Special Offers (or any other third-party products or services advertised), and we are not a broker or agent for any third party. We do not assume responsibility for the statements made or content of offers or claims in any third-party advertisement.
You agree and understand that you are responsible for maintaining the confidentiality of your password, which, together with your Login ID email address, allows you to access the Service. Your first name, last name, password, and email address you provide all constitute your “Registration Information.”
You agree to receive all required notices electronically at the email address you provide. 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 email or through a link to the appropriate page on our site, accessible through any standard, commercially available Internet browser.
If you become aware of any unauthorized use of your Registration Information, you agree to notify us immediately.
Your right to access and use our site and the Service is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use our site for lawful purposes.
The Service is most effective when accurate information is supplied. You must provide true, accurate, current, and complete information about your accounts maintained at other web sites, as requested in our “Add Account” setup forms, and you may not misrepresent your Registration Information. In order for the Service to function effectively, you must also keep your Registration Information up to date and accurate. Obviously, failure to do so will affect the accuracy and effectiveness of the Service.
Your access and use of our site may be interrupted from time to time for any of several reasons, including without limitation the malfunction of equipment, periodic updating, maintenance or repair of our site, or other actions that we, in our sole discretion, may elect to take.
We may offer “beta” or trial versions of the Service or special features. You acknowledge that such features are provided “as-is” and may contain errors or inaccuracies that could cause failures, corruption, or loss of data and/or information from any connected device. Your use of any such features is at your own risk.
You agree that we may use your feedback, suggestions, or ideas in any way, including in future modifications of the Service, other products or services, advertising, or marketing materials. You grant us a perpetual, worldwide, fully transferable, sub-licensable, irrevocable, fully paid-up, royalty-free license to use the feedback you provide to us in any way. We will not sell, publish, or share your comments or feedback in a way that could identify you without your explicit permission.
Use of the Service may be available through a compatible mobile device 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. WE MAKE 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.
We may from time to time provide automatic alerts and voluntary account-related alerts. We may have "automatic" alerts related to account activity that cannot be disabled. We may also have "voluntary" alerts that can be toggled on/off. These could be transaction related, User engagement/behavior related, or product related; for example, new feature announcements.
Automatic alerts may be sent to you following certain changes made online to your account, such as a change in your Registration Information.
If available, voluntary account alerts may be turned on by default as part of the Service. They may then be customized, deactivated, or reactivated by you. These alerts allow you to choose alert messages for your accounts. 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.
Electronic alerts will be sent to the email address you have provided as your primary email address. If your email address or your mobile device’s email address changes, you are responsible for informing us of that change. Changes to your email address will apply to all of your alerts.
Because alerts are not encrypted, we will never include your passcode. However, alerts may include your Login ID and some information about your accounts. Depending upon which alerts you select, information such as an account balance or the due date for your payment may be included. Anyone with access to your email will be able to view the content of these alerts. At any time you may disable future alerts.
You understand that any alerts provided to you through the Service may be delayed or prevented by a variety of factors. We will do our absolute best to provide alerts in a timely manner with accurate information. However, we neither guarantee the delivery nor the accuracy of the content of any alert. You also agree that we are not 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.
By submitting information, data, passwords, usernames, PINs, other login information, materials, and other content to through the Service, you are licensing that content to us solely for the purpose of providing the Service. Except as otherwise stated in this Agreement, we may use and store the content, but only to provide the Service to you. By submitting this content, you represent that you are entitled to do so, without any obligation to pay any fees or other limitations.
By using the Service, you expressly authorize us or a third party retained by us to access your Account Information maintained by identified third parties on your behalf as your agent. When you use the “Add Accounts” feature of the Service, you will be directly connected through a third party to the website for the account you have identified. Our vendor will submit information including usernames and passwords that you provide to log you in to the site. You hereby authorize and permit our vendor to use and store information submitted by you to the Service (such as account passwords and usernames) to accomplish the foregoing and to configure the Service so that it is compatible with the third-party sites for which you submit your information. For purposes of this Agreement and solely to provide the Account Information to you as part of the Service, you grant us and our vendor a limited power of attorney and appoint us and our vendor as your attorney-in-fact and agent to access third-party sites and to 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 OR OUR VENDOR ACCESS AND RETRIEVE ACCOUNT INFORMATION FROM THIRD-PARTY SITES, WE OR OUR VENDOR ARE ACTING AS YOUR AGENT AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY. You understand and agree that the Service is not sponsored or endorsed by any third parties accessible through the Service.
The contents of the Service and our site, including its text, graphics, images, logos and button icons, photographs, editorial content, notices, software, and other material, are protected under both United States and other applicable copyright, trademark, and other laws. The contents of our site belong or are licensed to us or our software or content suppliers. We grant you the right to view and use the Service subject to these terms. You may download or print a copy of information provided on our site for your personal, non-commercial use only. Any distribution, reprint, or electronic reproduction of any content from our site in whole or in part for any other purpose is expressly prohibited without our prior written consent. All rights not granted are exclusively reserved by us. This is not a transfer of ownership in any intellectual property owned by us.
You agree that you will not:
As part of the Service, we may allow Members to post content on bulletin boards, blogs, and at various other publicly available locations on our site. You agree in posting content to follow certain rules.
We may provide experiences on social media platforms such as Facebook®, Twitter®, and Pinterest® that enable online sharing and collaboration among Users who have registered to use them. Any content you post, such as pictures, information, opinions, or any personal information that you make available to other participants on these social platforms, is subject to the Terms of Service and Privacy Policies of those platforms. Please refer to those social media platforms to better understand your rights and obligations with regard to such content.
THE CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH OUR SITE OR PROVIDED THROUGH THE SERVICE ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF OUR SITE OR OF THE SERVICE. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.
WE MAKE NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF THE CONTENT ON OUR SITE OR OF THE SERVICE, AND EXPRESSLY DISCLAIM ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. WE MAKE NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICE IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA, OR PERSONAL INFORMATION.
LIFESTARTER, INC., ITS AFFILIATES, AND THE SERVICE DO NOT PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE. WE ARE NOT A FINANCIAL PLANNER, BROKER, OR TAX ADVISOR. The Service is intended only to assist you in your general personal finance organization and decision making. Your personal situation is unique and fact dependent. Thus, any information and advice obtained through the Service may not be appropriate for your particular situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.
YOU ACKNOWLEDGE AND AGREE THAT THE SERVICE, SOFTWARE, AND ANY THIRD-PARTY SERVICES ARE PROVIDED “AS-IS” AND “AS-AVAILABLE.” LIFESTARTER, INC., ITS AFFILIATES, ANY THIRD-PARTY VENDOR, AND ITS LICENSORS MAKE NO WARRANTY, EXPRESS, IMPLIED, OR STATUTORY, AND DISCLAIM ANY AND ALL WARRANTIES WITH RESPECT TO THE SERVICE, SOFTWARE, OR ANY THIRD-PARTY SERVICES, IN WHOLE OR IN PART, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, TITLE, OR NON-INFRINGEMENT. YOU UNDERSTAND AND EXPRESSLY AGREE THAT ANY USE OF THE SERVICE, SOFTWARE, OR THIRD-PARTY SERVICES WILL BE AT YOUR SOLE RISK. LIFESTARTER, INC., ITS AFFILIATES, AND ITS (i) LICENSORS AND (ii) THIRD-PARTY VENDORS DO NOT WARRANT THE COMPREHENSIVENESS, COMPLETENESS, CORRECTNESS, LEGALITY, OR ACCURACY OF THE SERVICE, SOFTWARE, OR THIRD-PARTY SERVICES, IN WHOLE OR IN PART, OR THAT THE SERVICE WILL BE SECURE, UNINTERRUPTED, OR ERROR-FREE. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR OTHER DEVICE OR LOSS OF DATA THAT RESULTS FROM YOUR USE OF THE SERVICE OR THIRD-PARTY SERVICES.
This Agreement will remain in effect until terminated by either you or us as set out below. If you want to terminate your agreement with us, you may do so by closing your account for the Service.
We may at any time terminate our legal agreement with you immediately upon notice to the email address provided by you as part of your Registration Information:
We may modify this Agreement from time to time. Any and all changes to this Agreement will be posted on our site. You are deemed to accept and agree to be bound by any changes to the Agreement when you use the Service after those changes are posted.
This Agreement and your relationship with us shall be governed by the laws of the State of Missouri without regard to its conflict or choice of laws provisions. Any dispute with us or our officers, directors, employees, agents, or affiliates arising under or in relation to this Agreement shall be resolved exclusively through the state courts having jurisdiction over Platte County, Missouri, except with respect to imminent harm requiring temporary or preliminary injunctive relief, in which case we may seek such relief in any court with jurisdiction over the parties. If you are a nonpaying member, you understand that, in return for agreement to this provision, we are able to offer the Service, without charge to you, and that your assent to this provision is an indispensable consideration to this Agreement.
If any portion of this Agreement is deemed unlawful, void, or unenforceable by any arbitrator or court of competent jurisdiction, this Agreement as a whole shall not be deemed unlawful, void, or unenforceable, but only that portion of this Agreement that is unlawful, void, or unenforceable shall be stricken from this Agreement.
If we do not exercise or enforce any legal right or remedy that is contained in the Agreement, such a decision on our part will not serve as formal waiver of our rights and all rights or remedies will still be available to us.
All covenants, agreements, representations, and warranties made in this Agreement shall survive your acceptance of this Agreement and the termination of this Agreement.
This Agreement represents the entire understanding and agreement between you and us regarding the subject matter of the same, and supersedes all other previous agreements.
The Service’s platform relies upon the Heroku cloud infrastructure. For details about the security of this platform, please visit https://www.heroku.com/policy/security.