Revised March 29, 2019

FINICITY CORPORATION END USER LICENSE AGREEMENT

INTRODUCTION

This Finicity Corporation End User License Agreement with Terms and Conditions is a binding agreement between you ("Licensee," "You," "you," "Your," or "your") and Finicity Corporation ("Finicity," "Company," "we," "us" or other similar terms) to use the services (the "Services") offered by the Company.

You agree that by agreeing to these terms, or accessing or using our Services, website(s), program interface(s) or mobile application(s), as well as any content provided or accessible in connection with the website(s), program interface(s) or mobile application(s), including information, user interfaces, source code, reports, images, products, services, and data (each website, program interface and mobile application referred to herein as a "Website," and collectively, as "Websites"), you represent to Finicity that you have read, understood, and expressly consent and agree to be bound by this Finicity Corporation End User License Agreement with Terms and Conditions, and the terms, conditions, and notices contained or referenced herein ("Agreement") whether you are a "Visitor" (which means that you simply browse or access a Website), or an "End User" (which means that you are hereby authorizing Finicity to access, use and share information and Provider Account Data in the manner set forth herein).

IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT USE, ACCESS OR ORDER ANY SERVICE OR ACCESS OR USE THE WEBSITES.

  1. SERVICES.

    The term "Services" includes, but is not limited to, the provision of any of our products and services, including verification of income, verification of assets, retrieval of financial records and other Provider Account Data (as hereafter defined) from your Provider(s) of Provider Services (each term as hereafter defined) as directed and/or authorized by you pursuant to the terms of this Agreement, regardless of the manner in which you receive or benefit from the Services, whether by email or mail, through a website or mobile application, by telephone, or through any other mechanism by which a Service is performed by us in accordance with this Agreement.

  2. CONSUMER CREDENTIALS AND ACCOUNT DATA.

    You are solely responsible for (a) maintaining the confidentiality and security of your access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information, used by you, or anyone you authorize on your behalf, to access the Services and your Provider accounts (collectively, "Consumer Credentials"), and (b) preventing unauthorized access to or use of your Provider Account Data. You will be responsible for all electronic communications, including account registration and other account holder information, email and financial, accounting and other data ("Communications") entered using the Consumer Credentials. It is assumed that any Communications received through use of the Consumer Credentials were sent or authorized by you. You agree to immediately notify us if you become aware of any loss, theft or unauthorized use of any Consumer Credentials. We reserve the right to deny you access to the Services (or any part thereof) if we reasonably believe that any loss, theft or unauthorized use of Consumer Credentials has occurred. You must inform us of, and hereby grant to us and our third-party affiliates permission to use, Consumer Credentials to the extent we deem necessary to enable us to provide the Services to you, including updating and maintaining Provider Account Data, addressing errors or service interruptions, and to enhance the types of data and services we may provide to you in the future.

  3. PERMISSIBLE PURPOSE AND CONSENTS; PROVIDER SERVICES.

    1. Permissible Purpose and Consent. You understand and agree that, by accessing any Services (either directly or through a third-party), you have provided "written instructions" in accordance with the Fair Credit Reporting Act, as amended ("FCRA"), for Finicity to access, use and share your Provider Account Data in accordance with the terms of this Agreement. In addition, you are authorizing Finicity to, among other things, (i) collect your Consumer Credentials, (ii) instruct Provider on your behalf to provide your Provider Account Data to Finicity in order to provide Services to you (either using your Consumer Credentials or through other means with your Provider); (iii) retain and use, at least two times for no less than a sixty (60) day period, your Consumer Credentials for the provision of the Services; (iv) access, retain, and use your Provider Account Data in providing you Services, at least two times for no less than a sixty (60) day period; and/or (v) disclose and share your Provider Account Data to service providers and/or resellers to use in accordance with applicable law and for research and development. You hereby authorize Finicity to use your Consumer Credentials to access your Provider of Provider Services and/or otherwise access the same, to collect and aggregate your Provider Account Data and to deliver the Provider Account Data to third parties selected by you and to other third parties authorized to receive such information and reports in accordance with your written instructions and applicable law, rules and regulations.

    2. General. In connection with your use of the Services and as part of the functionality of the Services, you may have access to certain online services or information that may be made available by your Provider(s) ("Providers" include, without limitation, online banking providers, online payment providers, online investment account providers, online bill pay providers, online trading providers, and other account information provider(s)). The services, information and Provider Account Data provided to you by your Provider(s) are collectively referred to herein as "Provider Services". The Services are designed to allow you to access Provider Services (if and to the extent provided by your Provider(s)) to set up banking and other information, schedule the Services to access your account(s), download transactions into the Services and otherwise aggregate information from your account(s) with your Provider(s). You acknowledge and agree that we have no control over the provision of Provider Services or provision of access to the Provider Services by your Provider(s), do not guarantee that you will be able to use the Services with the Provider Services, and will have no liability whatsoever for any actions or inactions on the part of the Provider(s) resulting in your inability to use the Services to access your accounts, obtain data, download transactions, or otherwise use or access the Provider Services.

    3. Collection of Provider Account Information. You acknowledge that in accessing your data and information through the Services, your Provider account access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information, and the actual data in your account(s) with such Provider(s) such as bank and other account balances, credit card charges, debits and deposits (collectively, "Provider Account Data"), may be collected and stored in the Services. You authorize us and our third party affiliates, in conjunction with the operation and hosting of the Services, to use certain Provider Account Data to (a) collect your Provider Account Data, (b) reformat and manipulate such Provider Account Data, (c) create and provide hypertext links to your Provider(s), (d) access the Providers’ websites using your Provider Account Data, (e) update and maintain your account information, (f) address errors or service interruptions, (g) enhance the type of data and services we can provide to you in the future, and (h) take such other actions as are reasonably necessary to perform the actions described in (a) through (g) above. You hereby represent that you are the legal owner of your Provider Account Data and that you have the authority to appoint, and hereby expressly do appoint, us or our third-party affiliates as your agent with a limited power of attorney, and appoint us or our third-party affiliates as your attorney-in-fact and agent, to access third-party sites and/or retrieve and use your Provider Account Data through whatever lawful means with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person, including, without limitation, accepting any new and/or updated terms and conditions from your Provider on your behalf, in providing Services to you. You also expressly authorize Provider to share and disclose your Provider Account Data to us on your behalf to facilitate your use of your Provider Account Data for products and services agreed to by you. You further acknowledge that we do not, nor does our third-party affiliate review your Provider Account Data and agree that we are not responsible for its completeness or accuracy. Any transactions or informational activities performed at any Provider’s website are not made through the Services and we assume no responsibility for such transactions or activities. You are solely responsible for any charges associated with your Provider(s). The permissions, uses and access rights granted to our third-party affiliates hereunder shall continue until such parties are notified by us or you that the Services have been terminated.

    4. Information from Providers’ Websites. You acknowledge and agree that (a) some Providers may not allow the Services to access the Provider Services, (b) Providers may make changes to their websites, with or without notice to us, that may prevent or delay aggregation of information from such websites, and (c) the Services may "refresh" the Provider Account Data by collecting the Provider Account Data nightly, so your most recent transactions may not be reflected in any account balances or other account information presented to you in the Services. If you see a discrepancy in the Provider Account Data, and in any case before making any transactions or decisions based on such account information presented in the Services, you should check the last refresh date for the account and confirm Provider Account Data is correct by following the link back to the applicable Provider or otherwise confirm that Provider Account Data is up to date and accurate.

    5. Anonymous Data. Notwithstanding any provision of applicable Privacy Policy(ies) to the contrary, compiled, anonymized data concerning your financial transactions, or other available data that is collected through your use of the Services, may be used by us and our third-party clients, service providers and/or resellers to conduct certain analytical research, performance tracking and benchmarking. Our third-party affiliates, clients, service providers and/or resellers may publish summary or aggregate results relating to metrics comprised of research data, from time to time, and distribute, sell or license such compiled, anonymized data for any purpose, including but not limited to, helping to improve products and services and assisting in troubleshooting and technical support or any other purpose permitted by applicable law. To the extent such information is shared or disclosed, it will not contain any of your personally identifiable information.

    6. Specific Written Consent to Use Shared Medical Information.  You understand and agree that the Provider Account Data that we obtain in connection with the Services may include "medical information" as defined by applicable law (such as payment information related to the provision of health care service). You understand and agree that by accepting these Terms and Conditions you are acknowledging that such information is relevant for purposes agreed upon by you in any applicable consent and/or for any permissible purposes allowed by law and you are providing specific written consent to the use and sharing of such medical information by us and our third-party clients, service providers and/or resellers for any legal purpose, including, without limitation, in the determination to extend credit, issue insurance and other decisions which include a review of your credit status.

  4. COMPLIANCE WITH FAIR CREDIT REPORTING ACT

    1. You acknowledge that certain third-party applications that use consumer data to generate scores or other reports or that otherwise will be utilized by users of such certain third-party application in connection with making a decision as to whether to enter into the following types of transactions or on what terms the transaction will be offered ("Financial Apps") may be subject to the provisions of the Federal Fair Credit Reporting Act ("FCRA") and equivalent state laws:

      • Extending credit to an applicant.

      • Issuing an insurance policy to an applicant.

      • Employing a job applicant.

      • Renting an apartment to a prospective tenant.

      • Selling a product to, provide a service to or otherwise enter into a transaction initiated by a prospective customer.

      • Accepting a check or credit card as payment for a sale.

      • Other activities set forth in Section 604 of the FCRA (15 U.S.C. §1681b) and in interpretations of Section 604 by the Federal Trade Commission and the Bureau of Consumer Financial Protection.

    2. You acknowledge and agree that we are providing the service of data delivery to the ultimate end-user, only as requested and authorized by you, the owner of such information. You acknowledge that we are not resellers of data (except as described in Section 3.5 relating to anonymized data) but simply provide the service of transferring and aggregating data as requested by you from one party to the party directed and authorized by you to receive the data. You also acknowledge that in providing our Services to you and delivering your Provider Account Data to the ultimate end-user, those end-users may use your Provider Account Data for purposes agreed upon by you in any applicable consent and/or for any permissible purposes allowed by law.

    3. You acknowledge that we make certain consumer report information services from our consumer reporting database available to our customers who have a permissible purpose for receiving such information in accordance with the FCRA. Subject to the terms and conditions set forth herein, Finicity uses commercially reasonable efforts to ensure the reliability of the information that appears in the Services. The FCRA allows you to obtain a copy of all of the information in your consumer credit file disclosure from any consumer credit reporting company for a reasonable charge. The FCRA also states that individuals are entitled to receive a disclosure directly from the consumer credit reporting company free of charge under the following circumstances:

      • You have been denied credit, insurance or employment in the past 60 days as a result of your report

      • You certify in writing that you are unemployed and intend to apply for employment in the 60-day period

      • Beginning on the day you make the certification You are a recipient of public welfare assistance

      • You have reason to believe that your file at the agency contains inaccurate information due to fraud

      The FCRA also permits consumers to dispute inaccurate information in their credit report without charge. Accurate information cannot be changed. You do not have to purchase your report or other information from Finicity to dispute inaccurate or incomplete information in your Finicity file or to receive a copy of your consumer disclosure. If you believe that any information sent or published by Finicity on the Services is erroneous, please inform Finicity by contacting us at www.finicityreports.com or at Finicity Corporation, 434 W. Ascension Way, Suite 200, Salt Lake City, Utah 84123 (Attn: Information Dispute Services), (855) 263-3072.

  5. SOFTWARE USE, STORAGE AND ACCESS.

    We shall have the right, in our sole discretion and with reasonable notice, to establish or change limits concerning use of the Services, temporarily or permanently, including but not limited to (a) the amount of storage space you have on the Services at any time, and (b) the number of times (and the maximum duration for which) you may access the Services in a given period of time. We reserve the right to make any such changes effective immediately to maintain the security of the system or Consumer Credentials or to comply with any laws or regulations, and to provide you with electronic or written notice within thirty (30) days after such change. You may reject changes by discontinuing use of the Services to which such changes relate. Your continued use of the Services will constitute your acceptance of and agreement with such changes. Maintenance upon the Services may be performed from time-to-time resulting in interrupted service, delays or errors in the Services. Attempts to provide prior notice of scheduled maintenance will be made, but we cannot guarantee that such notice will be provided.

  6. EXPORT RESTRICTIONS.

    You acknowledge that the Services and any software underlying such Services are subject to the U.S. Export Administration Regulations (15 CFR, Chapter VII) and that you will comply with these regulations. You will not export or re-export the software or Services, directly or indirectly, to: (a) any countries that are subject to U.S. export restrictions; (b) any end user who has been prohibited from participating in U.S. export transactions by any federal agency of the U.S. government; or (c) any end user who you know or have reason to know will utilize them in the design, development or production of nuclear, chemical or biological weapons. You further acknowledge that this product may include technical data subject to export and re-export restrictions imposed by U.S. law.

  7. DISCLAIMER.

    YOU ACKNOWLEDGE AND AGREE THAT THE SERVICES AND ANY THIRD-PARTY SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." NEITHER WE, OUR THIRD-PARTY AFFILIATES AND ANY OF OUR LICENSORS MAKE ANY WARRANTY, EXPRESS, IMPLIED, OR STATUTORY, AND DISCLAIM ANY AND ALL WARRANTIES WITH RESPECT TO THE SERVICES 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 SERVICES OR THIRD-PARTY SERVICES WILL BE AT YOUR SOLE RISK. WE AND OUR (a) LICENSORS AND (b) THIRD-PARTY AFFILIATES DO NOT WARRANT THE COMPREHENSIVENESS, COMPLETENESS, CORRECTNESS, LEGALITY, OR ACCURACY OF THE SERVICES OR THIRD-PARTY SERVICES, IN WHOLE OR IN PART, OR THAT THE SERVICES 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 SERVICES OR THIRD-PARTY SERVICES.

  8. INDEMNIFICATION.

    You agree to protect and fully compensate Finicity, its affiliates, service providers, and those you consent to using your Provider Account Data through these Services from any and all third-party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys’ fees) caused by or arising from your use of the Services, your violation of these terms or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.

  9. LIMITATION OF LIABILITY.

    YOU AGREE THAT NEITHER FINICITY NOR ANY OF ITS AFFILIATES, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES, OR FINICITY’S SERVICE PROVIDERS, AND THOSE YOU CONSENT TO USING YOUR PROVIDER ACCOUNT DATA THROUGH THESE SERVICES WILL BE LIABLE FOR ANY HARMS, WHICH LAWYERS AND COURTS OFTEN CALL DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES, (iii) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE SERVICE; (iv) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (v) STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICE; (vi) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD-PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES; OR (vii) ANY OTHER MATTER RELATING TO THE SERVICE.

  10. SEVERABILITY.

    If any provision of this Agreement is illegal or unenforceable under applicable law, the remainder of the provision will be amended to achieve as closely as possible the effect of the original term and all other provisions of this Agreement will continue in full force and effect.

  11. DISPUTE RESOLUTION BY BINDING ARBITRATION

    PLEASE READ THIS CAREFULLY. IT AFFECTS YOUR RIGHTS. SUMMARY:

    MOST CONSUMER CONCERNS CAN BE RESOLVED QUICKLY AND TO THE CONSUMER’S SATISFACTION BY CALLING FINICITY’S CONSUMER CARE DEPARTMENT AT 1 (855) 263-3072. IN THE UNLIKELY EVENT THAT FINICITY’S CONSUMER CARE DEPARTMENT IS UNABLE TO RESOLVE A COMPLAINT YOU MAY HAVE REGARDING A SERVICE OR WEBSITE TO YOUR SATISFACTION (OR IF FINICITY HAS NOT BEEN ABLE TO RESOLVE A DISPUTE IT HAS WITH YOU AFTER ATTEMPTING TO DO SO INFORMALLY), WE EACH AGREE TO RESOLVE THOSE DISPUTES THROUGH BINDING ARBITRATION OR SMALL CLAIMS COURT INSTEAD OF IN COURTS OF GENERAL JURISDICTION TO THE FULLEST EXTENT PERMITTED BY LAW. ARBITRATION IS MORE INFORMAL THAN A LAWSUIT IN COURT. ARBITRATION USES A NEUTRAL ARBITRATOR INSTEAD OF A JUDGE OR JURY, ALLOWS FOR MORE LIMITED DISCOVERY THAN IN COURT, AND IS SUBJECT TO VERY LIMITED REVIEW BY COURTS. ARBITRATORS CAN AWARD THE SAME DAMAGES AND RELIEF THAT A COURT CAN AWARD. ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED. FINICITY WILL PAY THE FEES OF THE ARBITRATOR, NO MATTER WHO WINS, SO LONG AS YOUR CLAIM IS NOT FRIVOLOUS. HOWEVER, IN ARBITRATION, BOTH YOU AND FINICITY WILL BE ENTITLED TO RECOVER ATTORNEYS’ FEES FROM THE OTHER PARTY TO THE SAME EXTENT AS YOU WOULD BE IN COURT.

    Arbitration Agreement:

    1. Finicity and you agree to arbitrate all disputes and claims between us arising out of this Agreement directly related to the Services or Websites, except any disputes or claims which under governing law are not subject to arbitration. This agreement to arbitrate is intended to be broadly interpreted and to make all disputes and claims between us directly relating to the provision of any Service and/or your use of any Website subject to arbitration to the fullest extent permitted by law. However, for the avoidance of doubt, any dispute you may have with us arising out of the Fair Credit Reporting Act (FCRA) relating to the information contained in your consumer disclosure or report, including but not limited to claims for alleged inaccuracies, shall not be governed by this agreement to arbitrate. The agreement to arbitrate otherwise includes, but is not limited to: (i) claims arising out of or relating to any aspect of the relationship between us arising out of any Service or Website, whether based in contract, tort, statute (including, without limitation, the Credit Repair Organizations Act) fraud, misrepresentation or any other legal theory; (ii)Claims that arose before this or any prior Agreement (including, but not limited to, claims relating to advertising); claims that are currently the subject of purported class action litigation in which you are not a member of a certified class; and claims that may arise after the termination of this Agreement. For purposes of this arbitration provision, references to “Finicity,” “you,” and “us” shall include our respective parent entities, subsidiaries, affiliates, agents, employees, predecessors in interest, successors and assigns, websites of the foregoing, as well as all authorized or unauthorized users or beneficiaries of Services and/or Websites or information under this or prior Agreements between us relating to Services and/or Websites. Notwithstanding the foregoing, either party may bring an individual action in small claims court. You agree that, by entering into this Agreement, you and Finicity are each waiving the right to a trial by jury or to participate in a class action. This Agreement evidences a transaction in interstate commerce, and thus the Federal Arbitration Act governs the interpretation and enforcement of this arbitration provision. This arbitration provision shall survive termination of this Agreement.

    2. A party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute ("Notice"). The Notice to Finicity should be addressed to: General Counsel, Finicity Corporation, 434 W. Ascension Way, Suite 200, Salt Lake City, Utah 84123 ("Notice Address"). The Notice must describe the nature and basis of the claim or dispute and set forth the specific relief you seek from Finicity ("Demand"). If Finicity and you do not reach an agreement to resolve the claim within 30 days after the Notice is received, you or Finicity may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by Finicity or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or Finicity is entitled.

      You may obtain more information about arbitration from www.adr.org.

    3. After Finicity receives notice at the Notice Address that you have commenced arbitration, it will promptly reimburse you for your payment of the filing fee. (The filing fee currently is $200 for claims under $10,000, but is subject to change by the arbitration provider. If you are unable to pay this fee, Finicity will pay it directly upon receiving a written request at the Notice Address.) The arbitration will be governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, "AAA Rules") of the American Arbitration Association ("AAA"), as modified by this Agreement, and will be administered by the AAA. If the AAA is unavailable or refuses to arbitrate the parties’ dispute for any reason, the arbitration shall be administered and conducted by a widely-recognized arbitration organization that is mutually agreeable to the parties, but neither party shall unreasonably withhold their consent. If the parties cannot agree to a mutually agreeable arbitration organization, one shall be appointed pursuant to Section 5 of the Federal Arbitration Act. In all events, the AAA Rules shall govern the parties’ dispute. The AAA Rules are available online at www.adr.org, by calling the AAA at 1-800-778-7879, or by writing to the Notice Address.

    4. All issues are for the arbitrator to decide, including the scope and enforceability of this arbitration provision as well as the Agreement’s other terms and conditions, and the arbitrator shall have exclusive authority to resolve any such dispute relating to the scope and enforceability of this arbitration provision or any other term of this Agreement including, but not limited to any claim that all or any part of this arbitration provision or Agreement is void or voidable. The arbitrator shall be bound by the terms of this Agreement. Unless Finicity and you agree otherwise, any arbitration hearings will take place in the county (or parish) of your billing address. If your claim is for $10,000 or less, we agree that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. Except as otherwise provided for herein, Finicity will pay all AAA filing, administration and arbitrator fees for any arbitration initiated in accordance with the notice requirements above. If, however, the arbitrator finds that either the substance of your claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all such fees will be governed by the AAA Rules. In such case, you agree to reimburse Finicity for all monies previously disbursed by it that are otherwise your obligation to pay under the AAA Rules.

    5. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees and expenses at any time during the proceeding or in the final award, pursuant to applicable law and the AAA Rules.

    6. Discovery and/or the exchange of non-privileged information relevant to the dispute will be governed by the AAA Rules.

    7. YOU AND FINICITY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and Finicity agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding. The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. If this specific subparagraph (f) is found to be unenforceable in its entirety, then the entirety of this arbitration provision shall be null and void.

    8. Notwithstanding any provision in this Agreement to the contrary, we agree that if Finicity makes any change to this arbitration provision (other than a change to the Notice Address) during the term, or subsequent to your purchase of any Service, you may reject any such change and require Finicity to adhere to the language in this provision as written at the time of your enrollment or purchase if a dispute between us arises regarding such Service.

  12. LIMITATION OF TIME TO FILE CLAIMS.

    ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE APPLICATION MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES, OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

  13. PRODUCT SECURITY GUARANTEE

    Definitions. “Covered Services”

    means Verification of Assets (VOA), Verification of Income (VOI), Assets with History (History) services or future services such as Cash Flow Report (CFR). “Protection” means the product warranty offered under this Article 12.

    What is Covered.

     Your actual financial losses incurred as a direct result of providing your account credentials to us through our Finicity Connect portal and the unauthorized use of those account credentials to gain access to and remove funds from Your account (“Loss(es)”). We will reimburse You for authorized and qualified Losses, at our discretion, when required due to a breach of our system or as a result of a negligent act on our part, provided Your Loss is not covered under any other warranty, or other protection (from your financial institution or otherwise), including any insurance available to You, and only to the extent that Your Loss is not so covered.

    The Protection includes the following enhanced coverage:
    - Reimbursement for qualified Losses is provided up to $50,000 per account

    Term. The term of the coverage commences on the date You provide us with your account credentials in order to access a Covered Service (the “Commencement Date”) and ends twelve (12) months from the later of (i) the Commencement Date; or (ii) the last time we use your account credentials to provide You with Covered Services, but in no event later than twenty-four (24) months from the Commencement Date (the “Coverage Period”). The Loss must occur during the Coverage Period and you must make Your Claim within thirty (30) days after You discover the Loss or within thirty (30) days after the Coverage Period, whichever is earlier, in order to be covered.

    What is Not Covered. (1) Incidental or consequential damages; (2) damages from abuse, misuse, unauthorized, or fraudulent usage of our service by You or anyone acting on Your behalf; (3) damages resulting from a failure to follow any terms of this EULA or any other instructions; (4) damages as a result of the elements or acts of God; and (5) Damage which is not reported within the time period specified in the preceding paragraph.

    Disclaimer.

     This is not an offer or contract of insurance. Obligations associated with the Protection constitute a warranty. Your rights under the Protection may vary from state to state.

    To Make a Claim.

     Contact Finicity 24 hours a day, seven days a week, at warranty@finicity.com or (855) 501-9031 to request a Claim Submission Form. If You do not receive a claim determination, or other communication regarding the processing of Your Claim, within fifteen (15) days from the date in which You provided final documentation as requested by Finicity (or within thirty (30) days of submitting a Claim Submission Form), or if You are otherwise dissatisfied, please contact Finicity by email or by calling the telephone number set forth above.

  14. ENTIRE AGREEMENT.

    This Agreement constitutes the entire agreement between you and Company with respect to the Services and supersede all prior or contemporaneous understandings and agreements, whether written or oral, with respect to the Services.

  15. WAIVER.

    No failure to exercise, and no delay in exercising, on the part of either party, any right or any power hereunder shall operate as a waiver thereof, nor shall any single or partial exercise of any right or power hereunder preclude further exercise of that or any other right hereunder. In the event of a conflict between this Agreement and any applicable purchase or other terms, the terms of this Agreement shall govern.

  16. TERRITORIAL RESTRICTIONS.

    Unless otherwise specified, the Services made available through the Websites are intended for use by U.S. consumers only. We make no representations or warranties that the information, products or services provided through the Services or the Websites are appropriate for access or use in other jurisdictions. Recognizing the global nature of the Internet, however, you agree to comply with all local laws including, without limitation, laws about the Internet, data, email, export, or privacy. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the U.S. and the country in which you reside. Notwithstanding the above, we reserve the right to limit the availability of the Services or the provision of any Services to any person, geographic area, or jurisdiction, at any time and in our sole discretion.