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Terms of use

EARNNEST

Last updated: October 19th, 2017

Welcome and thank you for visiting our website (the “Site”). Below are the Site’s Terms of Use. We recommend that you carefully review these Terms of Use before making use of the Site or Service (as defined below). If you have any questions or concerns regarding these Terms of Use, please contact us at support@earnnest.com.

These Terms of Use (these “Terms”) govern the relationship between Earnnest, LLC a South Carolina limited liability company (referred to herein as “Earnnest”, “we”, “us” or “our”) and you (“User”, “you” or “your”), the person accessing or otherwise making use of our Site located at www.earnnest.com and/or registering for a Earnnest Account (as defined below) or otherwise accessing or making use of the Site, Earnnest Account or our Service. These Terms constitute a legally binding agreement between you and Earnnest. Accordingly, we advise you to read these Terms carefully before accessing or otherwise making use of the Site or Service. You and Earnnest may each be referred to in these Terms individually as a “Party” and together as the “Parties,” as context so requires.

TERMS

1. ACCEPTANCE OF THESE TERMS.

1.1 Acceptance. Please read the Terms carefully before you start to use or otherwise access the Site. By clicking “I Accept” or “I Agree” to the Terms when this option is made available to you, you accept and agree to be bound and abide by these Terms and our Privacy Policy, found at www.earnnest.com/terms-of-use, incorporated herein by reference. If you do not want to agree to these Terms or the Privacy Policy, you must not click “I Accept” or “I Agree” when this option is made available or otherwise access or use the Site. Please note that certain uses of the Site or Service may be subject to separate agreements that will be provided to you prior to such use.

1.2 Restrictions on Acceptance. When you access or otherwise make use of the Site or the Service you acknowledge and agree that:

(a) if you are accepting these Terms on behalf of any legal entity, including any company, organization, government, or governmental agency, you have been authorized to do so and to act on behalf of such legal entity;

(b) you have read and understand all of the provisions, terms and conditions set forth in these Terms;

(c) you will be bound by all of the provisions, terms and conditions set forth in these Terms;

(d) you are at least eighteen (18) years of age;

(e) you have the right, authority and capacity to enter into these Terms and to abide by all terms and conditions of these Terms;

(f) you have not previously used the Service through an Account which Earnnest has terminated or suspended in accordance with the terms and conditions of these Terms;

(g) you have a valid email address; and

(h) these Terms are the legal equivalent of a signed, written contract between you and Earnnest.

IF YOU ARE UNABLE OR UNWILLING TO CONFIRM THE ABOVE STATEMENTS, THEN YOU MUST NOT ACCEPT THESE TERMS OR OTHERWISE ACCESS OR MAKE USE OF THE SITE OR SERVICE. PLEASE NOTE THAT, EVEN IF YOU AGREE TO AND ACKNOWLEDGE THE REPRESENTATIONS IN SECTION 1.2, CERTAIN OF OUR TRUSTED THIRD PARTY SERVICE PROVIDERS MAY REJECT YOUR REGISTRATION APPLICATION FOLLOWING THE REGISTRATION PROCESS BASED ON SUCH SERVICE PROVIDER’S INTERNAL ASSESSMENT PROCESS AND YOU MAY NOT BE ABLE TO MAKE USE OF THE SERVICE AS A RESULT.

2 DEFINITIONS; INTERPRETATION.

2.1 Definitions. Unless context requires otherwise, capitalized terms not defined within these Terms shall have the following meanings:

“Affiliate” means, with respect to a Party, any person, firm, corporation, partnership (including general partnerships, limited partnerships, and limited liability partnerships), limited liability company, or other entity that now or in the future, directly controls, is controlled with or by or is under common control with such Party.

“Applicable Law” means any and all applicable federal, state and local laws, statutes, ordinances, regulations, rules, opinions, interpretive letters and other official releases of or by any government, or any authority, department or agency thereof which are now in effect or which may come in to effect at any time during the Term (defined below).

“Application” refers to Earnnest’s interactive software platform which allows Users to access and use the Services and which may be downloaded from an App Store (defined in Section 14) to a User’s mobile device or which may be otherwise accessed by a User online through the Internet at our Site.

“Content” means any texts, pictures, graphics, logos, button items, images, works of authorship and other content (collectively with all information about the Site and Service).

“Earnnest”, “we”, “our” or “us” shall mean Earnnest, LLC a South Carolina limited liability company.

“Earnnest Account” means your Earnnest user account which you must register for through the Site in order to use the Service.

“Personal Information” means information that is unique to you and may include your name, your home or other physical address, your email address, your telephone number, and other information that identifies you.

“Service” means app.earnnest.com.

“Site” means the Earnnest website located at www.earnnest.com.

“User Information” means the Personal Information that you provide to us in order to make use of your Earnnest Account, the Site or the Service, as further described in Section 6.1.

2.2 Interpretation. References to Sections are to be construed as references to the Sections of these Terms, unless otherwise indicated. The singular includes the plural, and the plural includes the singular. All references to “hereof,” “herein,” “hereunder” and other similar compounds of the word “here” shall mean and refer to these Terms as a whole rather than any particular part of the same. The terms “include” and “including” are not limiting.

3 AMENDMENTS.

Earnnest reserves the right to change, modify, supplement, or update these Terms (each such change, modification or supplement, an “Amendment”), from time to time without advance notice by posting such Amendment on the Site. We encourage you to periodically visit these Terms to check for any Amendments. In the event that an Amendment to these Terms materially modifies your rights or obligations we will take commercially reasonable measures to notify you of such Amendment, which may include posting notices on the website or sending notices to you at your email address. You acknowledge and agree that you will be bound by any such Amendment if you continue to access or use the Site or Service after such Amendment is posted. Unless otherwise indicated, any new Service added to the Site will also be subject to these Terms effective upon the date of any such addition. You are encouraged to review the Site and these Terms periodically for updates and changes. The most current version of these Terms will be effective as of the date specified in the “Last Updated” legend set forth above.

4 PRIVACY.

You acknowledge and agree to the terms and conditions of our Privacy Policy available at www.earnnest.com/terms-of-use, as may be amended from time to time, which is incorporated by reference into these Terms as if it were set forth herein in its entirety. The Privacy Policy describes our collection and possible use of information that you provide to us. By using the Site or Service, you agree to, and are bound by, the terms of the Privacy Policy.

5 TRANSFERABILITY OF ACCESS OR RIGHTS.

Your rights and obligations with respect to the Site and Service are personal to you and you may not transfer such rights and obligations to any other person or entity.

6 ACCOUNT REGISTRATION; FEES.

6.1 Account Registration. When you register your Earnnest Account and sign up for the Service you will be required to provide certain personal information in order to create your Earnnest Account and use the Service (“Registration”). Such personal information may include your name, your home or other physical address, your email address, your telephone number, and your Account settings and preferences (collectively, “User Information”). By registering your Account and signing up for the Service, you acknowledge and agree that you willingly submit your Personal Information and User Information for our use as may be necessary for us to provide the Service to you and for any other purpose permitted under law and our Privacy Policy.

6.2 [OPTION: No Fees Required. Earnnest does not currently charge any fees for your use of the Site and the Service. Notwithstanding the foregoing, you acknowledge and agree that Earnnest reserves the right to set and charge fees in the future for your use of the Site and the Service. If Earnnest intends to set and charge fees for your use of the Site and Service in the future, Earnnest will provide you with at least thirty (30) calendar days' advance written notice of such change and provide you with at least this period of time to terminate these Terms and deregister your Earnnest Account as may be necessary to avoid a charge for such fees.]

6.3 [OPTION: Paid Features Available Through the Services. Certain features of the Services may be made available on a paid basis. If you elect to use paid features of the Services (as your “Purchase”), you agree to the terms of sale, pricing, payment and billing policies applicable to such fees and charges, posted on or provided through the Services. Earnnest may add new services for additional fees and charges, or amend fees and charges for existing services, at any time in its sole discretion.

(a) No refunds. There are no refunds. In the event you cancel your Purchase, you shall receive no refund or exchange for any unused Purchase for any fees paid to us prior to such cancellation.

(b) Authorization to Use Payment Method Provided. By using any paid feature, you (i) authorize Earnnest to charge you a fee at the then current rate, and any other charges you may incur in connection with your use of the Services; and (ii) represent and warrant to Earnnest that you have the right and authority to use the payment method provided to the Earnnest.

(c) Responsibility for Payments. All information that you provide in connection with a purchase or transaction or other monetary transaction interaction with the Services must be accurate, complete, and current. You agree to pay all charges incurred by users of your credit card, debit card, or other payment method used in connection with a purchase or transaction or other monetary transaction interaction with the Services at the prices in effect when such charges are incurred. You shall pay all applicable fees, including any sales, excise, service, use or other taxes now or hereafter imposed upon or required to be collected by Earnnest by any authority in connection with or arising from the use of the Services, excluding taxes based upon Earnnest’s net income.

6.4 [OPTION: Promo Codes. Earnnest may, in Earnnest's sole discretion, create promotional codes that may be redeemed for features or benefits related to the Services, subject to any additional terms that Earnnest establishes on a per promotional code basis (“Promo Codes”). You agree that Promo Codes: (a) must be used for the intended audience and purpose, and in a lawful manner; (b) may not be duplicated, sold or transferred in any manner, or made available to the general public (whether posted to a public forum or otherwise), unless expressly permitted by Earnnest; (c) may be disabled by Earnnest at any time for any reason without liability to Earnnest; (iv) may only be used pursuant to the specific terms that Earnnest establishes for such Promo Code; (d) are not valid for cash; and (e) may expire prior to your use. Earnnest reserves the right to withhold or deduct credits or other features or benefits obtained through the use of Promo Codes by you or any other user in the event that Earnnest determines or believes that the use or redemption of the Promo Code was in error, fraudulent, illegal, or in violation of the applicable Promo Code terms or these Terms of Service.]

7 YOUR WARRANTIES TO COMPANY.

In addition to the representations and warranties you make to Earnnest under Section 1.2 represent and warrant to Earnnest that (i) all information that you provide to us in connection with your use of the Site, Earnnest Account or Service is up-to-date, accurate and truthful, (ii) you have the authority to share this information with us and to grant us the right to use this information as provided in these Terms, (iii) you have the right to grant us the licenses specified herein, if applicable, and (iv) your acceptance and use of the Service pursuant to these Terms does not violate any Applicable Law or other contract or obligation to which you are a party or by which you are otherwise bound.

8 ACCURACY AND CHANGES TO USER INFORMATION.

You agree to provide your accurate, up-to-date and truthful User Information during Registration and when you otherwise access or make use of your Earnnest Account, the Site or the Service. You further agree to promptly update all your User Information whenever the information provided to us by you is found to be in error or becomes inaccurate. You can update your information by contacting us at support@earnnest.com. We are not responsible for any Service-related issues or errors arising from your failure to submit or maintain current and accurate User Information. If we determine, in our sole discretion, that you have failed to submit or maintain current and accurate User Information, we may temporarily suspend or terminate your access to your Earnnest Account, the Site or the Service.

9 DISCLOSURE AND CONSENT TO ELECTRONIC COMMUNICATIONS.

9.1 Consent to Electronic Communications. When you accept these Terms, you acknowledge that Earnnest may provide certain information, including information regarding your use of the Site, the Service, and Earnnest Account (“Communications”), to you electronically through email, the Site or Service, the Earnnest Account or links to notices posted on the Site, unless and until you withdraw your consent or “opt out” as described below. You understand that the communications referenced in this section do not include SMS text messages unless you otherwise give your express consent to receive SMS text messages for this purpose. You agree that all agreements, notices, disclosures and other Communications that we provide to you electronically satisfy any legal requirement that such Communications be in writing. You further agree that any Communications provided by us electronically are deemed to be given and received on the date we transmit any such Communication as described in these Terms. The categories of Communications that may be provided by electronic means include:

(a) any Amendments to these Terms;

(b) disclosures or notices provided in connection with the Service, including any such notice required by Applicable Law;

(c) any statements concerning your Earnnest Account;

(d) any customer service communications, including communications with respect to claims of error or unauthorized use of your Earnnest Account, the Sites or the Service; and

(e) any other communication related to the Site or Service.

Although Earnnest reserves the right to provide Communications in paper format at any time, you agree that Earnnest is under no obligation to do so unless you first notify us, in writing, of your request to receive further communications in a paper format and your decision to opt out of receiving Communications. All Communications in either electronic or paper format will be considered to be “in writing.” You should print a paper copy of these Terms and any Communication that is important to you and retain the copy for your records. If you do not wish to enter into these Terms electronically, you may not use your Earnnest Account, the Site or the Service.

9.2 Timing of Communications. Any electronic Communications will be deemed to have been received by you no later than five (5) business days after Earnnest sends it to you by email or posts such Communication on the Site or through the Service, whether or not you have received the email or retrieved the Communication from the Site or Service. An electronic Communication by email is considered to be sent at the time that it is directed by Earnnest's email server to your email address. You agree that these are reasonable procedures for sending and receiving electronic Communications.

9.3 Updated User Information. You agree to promptly update your User Information if such information changes so that Earnnest may contact you electronically. You may update your User Information, such as your email address, as described in Section 8 of these Terms. You understand and agree that if Earnnest sends you an electronic Communication, but you do not receive it because the email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive such electronic Communications, Earnnest will be deemed to have provided the Communication to you.

9.4 System Specifications. In order to access, view, and retain electronic Communications that Earnnest provides to you, you must have access to: (i) a computer with an Internet connection; (ii) a current or previous major release version (up to the second most recent version) of either Firefox, Internet Explorer, Chrome, or Safari with cookies enabled and Adobe Acrobat Reader to open documents in “.pdf” format; (iii) sufficient electronic storage capacity on your computer's hard drive or other data storage unit to save past Communications and/or an installed printer to print them; and (iv) an email account with an Internet service provider and email software. Your access to this page through your device verifies that your device meets these requirements.

9.5 Reservation of Rights. Earnnest reserves the right, in its sole discretion, to discontinue the provision of electronic Communications to you, or to terminate or change the terms and conditions under which Earnnest provides electronic Communications. Earnnest will provide you with notice of any such termination or change as may be required by Applicable Law.

10 OWNERSHIP OF CONTENT AND SERVICE.

You acknowledge and agree that, except as otherwise expressly stated, all text, pictures, graphics, logos, button items, images, works of authorship, and other content (collectively with all information and material about Earnnest, the Site or the Service, “Content”) appearing on your Earnnest Account, the Site or the Service is the copyrighted work of Earnnest or its third party content suppliers and is protected by U.S. and international copyright laws. The compilation (meaning the collection, arrangement and assembly) of all Content is also the exclusive property of Earnnest and is protected by U.S. and international copyright laws. You may download information from your Earnnest Account, the Site, or the Service and print out a hard copy for your personal use provided that you keep such hard copies intact and do not remove or alter any copyright or other notice (e.g., trademark, patent, etc.) contained in the information. Except as otherwise expressly stated herein, you may not alter, modify, copy, distribute (for compensation or otherwise), transmit, display, perform, reproduce, reuse, post, publish, license, frame, download, store for subsequent use, create derivative works from, transfer, or sell any information or Content obtained from the Site or Service, in whole or in part, including any text, images, audio, and video in any manner, without the prior written authorization of Earnnest or any applicable third party suppliers. The use of Content, including images, by you, or anyone else authorized by you, is prohibited unless specifically permitted by Earnnest. Any unauthorized use of text or images may violate copyright laws, trademark laws, the laws of privacy and publicity, and applicable regulations and statutes. Earnnest does not warrant or represent that your use of Content or the Service will not infringe rights of third parties.

11 OWNERSHIP OF INFORMATION SUBMITTED VIA THE SERVICE.

11.1 Submissions. Except as set forth in our Privacy Policy, any communication or other material (including any text communication, health information, photograph, video, or other audio or visual work) submitted or posted to or through the Service (“Submission”) will be considered non-confidential. Unless otherwise expressly stated in writing by Earnnest, no compensation will be paid with respect to the use of any Submission. Earnnest shall have no obligation to preserve, return or otherwise make available to you or others any Submission.

11.2 License to Earnnest. Except as set forth in our Privacy Policy, Earnnest does not claim ownership of your Submission in its original form; however, by providing a Submission, you hereby grant to Earnnest and its affiliates, subsidiaries, licensees and assigns, an irrevocable, perpetual and royalty-free right to use, reproduce, edit, display, transmit, prepare derivative works of, modify, publish and otherwise make use of the Submission in any and all media, whether now known or hereinafter created, throughout the world and for any purpose related to the business of Earnnest. By uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submission. The rights granted to Earnnest include but are not limited to the right to aggregate, summarize, analyze, resize, crop, censor, compress, edit, feature, caption, and to otherwise alter or make use of your Submission.

11.3 No Privacy in Submissions. Subject to our Privacy Policy, and limits under applicable law with regard to identifiable information, you understand and intend that by providing your Submission to Earnnest, you hereby waive any privacy expectations that you may have with respect to any such Submission. You hereby agree, subject to the Privacy Policy and Applicable Law, that Earnnest is the full owner of all right, title, and interest in any content or information extracted, derived, or otherwise created from such Submission, and you agree to hold Earnnest and its affiliates, subsidiaries, licensees, sponsors and assigns harmless from and against, and hereby waive any right to pursue, any claims of any nature arising in connection with the inclusion in, publication via or display on any Earnnest site, or any other use authorized under these Terms, of your Submission. You further hereby agree that any Submission by you will be accurate and will not be intended to mislead, harm or cause damage to Earnnest, any User, any Third Party or any other party, and you agree to indemnify, defend and hold harmless Earnnest against any and all claims, liabilities and damages caused by any Submission from you or any Third Party.

12 FEEDBACK.

Please be advised that if you send or submit to Earnnest creative ideas, suggestions, inventions, or materials (“Feedback”), Earnnest shall: (i) own, exclusively, all now known or later discovered rights to the Feedback; (ii) not be subject to any obligation of confidentiality and shall not be liable for any use or disclosure of any Feedback; and (iii) be entitled to unrestricted use of the Feedback for any purpose whatsoever, commercial or otherwise, without compensation to you or any other person.

13 LIMITED LICENSE AND SITE ACCESS; ALL RIGHTS RESERVED.

Use of the Service is limited to persons 18 years of age or older. Subject to your compliance with these Terms, Earnnest hereby grants you a limited license to access and make use of these Service, but not to download (other than page caching or downloading of PDF forms, statements, etc. provided as part of the Service) or modify the Service, or any portion of thereof, except with express written consent of Earnnest. The Service also contain the Content, and the license granted in this Section does not include any resale or commercial use of the Service or the Content; any derivative use of the Service or the Content; or any use of data mining, robots, or similar data gathering and extraction tools. The Service or any portion thereof may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without the express written consent of Earnnest. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Earnnest without Earnnest’s express written consent. You may not use any meta-tags or any other “hidden text” utilizing any of Earnnest’s name(s) or service marks without the express written consent of their owners. We (or the respective third party owners of Content) retain all right, title, and interest in the Service and any Content offered on these Service, including any and all intellectual property rights. Any software applications available on or through the Service are licensed, not sold, to you. Earnnest may assign these Terms or any part hereof, without restrictions. You may not assign these Terms or any part hereof, nor transfer or sub-license your rights under these Terms, to any third party. We (or the respective third party owners of Content) reserve all rights not expressly granted. Any unauthorized use terminates the permission or license granted by Earnnest.

14 APP STORE TERMS OF SERVICE.

14.1 App Provider Terms. The following terms apply to any Service accessed through or downloaded from any app store or distribution platform (like the Apple App Store or Google Play) where the Service may now or in the future be made available (each an “App Provider”). You acknowledge and agree that:

(a) These Terms are concluded between you and Earnnest, and not with the App Provider, and that Earnnest (not the App Provider), is solely responsible for the Service.

(b) The App Provider has no obligation to furnish any maintenance and support services with respect to the Service.

(c) In the event of any failure of the Service to conform to any applicable warranty, you may notify the App Provider, and the App Provider will refund the purchase price for the Service to you (if applicable) and to the maximum extent permitted by Applicable Law, the App Provider will have no other warranty obligation whatsoever with respect to the Service. Any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be the sole responsibility of Earnnest.

(d) The App Provider is not responsible for addressing any claims you have or any claims of any third party relating to the Service or your possession and use of the Service, including, but not limited to: (i) product liability claims; (ii) any claim that the Service fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation.

(e) In the event of any third party claim that the Service or your possession and use of the Service infringes that third party’s intellectual property rights, Earnnest will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim to the extent required by these Terms.

(f) The App Provider, and its subsidiaries, are third party beneficiaries of these Terms as related to your license of the Service, and that, upon your acceptance of the terms and conditions of these Terms, the App Provider will have the right (and will be deemed to have accepted the right) to enforce these Terms as related to your license of the Service against you as a third party beneficiary thereof.

(g) You must also comply with all applicable third party terms of service when using the Service.

15 YOUR USE OF THE SERVICE.

15.1 Use of Service in Accordance with these Terms and Applicable Law. You will not use the Site or Service for any illegal purpose. You will only use the Site or Service in accordance with the terms and conditions of these Terms and Applicable Law.

15.2 Responsibility for User Information; Unauthorized Access and Transfers. You hereby acknowledge and agree that you are responsible for maintaining and protecting accurate and current User Information. If you believe that your User Information or a device that you use to access any Site has been lost or stolen, that someone is using the Site or Service with your User Information and without your authorization, or that an unauthorized transaction has occurred, you must notify us immediately at support@earnnest.com

16 PROHIBITED USE.

16.1 Prohibited Use of Site. Any use or attempted use of the Site (i) for any unlawful, unauthorized, fraudulent or malicious purpose, or (ii) that could damage, disable, overburden, or impair any server, or the network(s) connected to any server, or (iii) interfere with any other party's use and enjoyment of the Site, or (iv) to gain unauthorized access to any other accounts, computer systems or networks connected to any server or systems through hacking, password mining or any other means, or (v) to access systems, data or information not intended by Earnnest to be made accessible to a user, or (vi) attempt to obtain any materials or information through any means not intentionally made available by Earnnest, or (vii) any use other than the business purpose for which it was intended, is prohibited. In addition, in connection with your use of the Site, you agree you will not:

(a) provide your User Information (including your Earnnest Account log in credentials), Earnnest Account information, or access to the Service to any third party unless such third party is a trusted third party service provider of Earnnest;

(b) upload or transmit any message, information, data, text, software or images, or other content (“Material”) that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, or otherwise objectionable, or that may invade another's right of privacy or publicity;

(c) create a false identity for the purpose of misleading others or impersonate any person or entity, including any Earnnest representative, or falsely state or otherwise misrepresent your affiliation with a person or entity;

(d) upload or transmit any material that you do not have a right to reproduce, display or transmit under any law or under contractual or fiduciary relationships (such as nondisclosure agreements);

(e) upload files that contain viruses, trojan horses, worms, time bombs, cancel-bots, corrupted files, or any other similar software or programs that may damage the operation of another's computer or property of another;

(f) delete any author attributions, legal notices or proprietary designations or labels that you upload to any communication feature;

(g) use the Site's or Service’s communication features in a manner that adversely affects the availability of its resources to other users (e.g., excessive shouting, use of all caps, or flooding continuous posting of repetitive text);

(h) upload or transmit any unsolicited advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes” or any other form of solicitation, commercial or otherwise;

(i) violate any Applicable Law or international law;

(j) upload or transmit any material that infringes any patent, trademark, service mark, trade secret, copyright or other proprietary rights of any party;

(k) delete or revise any material posted by any other person or entity;

(l) manipulate or otherwise display the Site by using framing, mirroring or similar navigational technology or directly link to any portion of the Site other than the main homepage in accordance with the limited license outlined above;

(m) probe, scan, test the vulnerability of or breach the authentication measures of, the Site or any related networks or systems;

(n) register, subscribe, attempt to register, attempt to subscribe, unsubscribe, or attempt to unsubscribe, any party for the Service if you are not expressly authorized by such party to do so;

(o) harvest or otherwise collect information about others, including e-mail addresses; or

(p) use any robot, spider, scraper, or other automated or manual means to access the Site, or copy any content or information on the Site.

16.2 Monitoring and Enforcement; Termination.

We have the right to:

(a) Remove or refuse to post any User Contributions for any or no reason in our sole discretion.

(b) Take any action with respect to any User Contribution that we deem necessary or appropriate in our sole discretion, including if we believe that such User Contribution violates the Terms, including the Content Standards, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the Site or the public or could create liability for the Earnnest.

(c) Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy.

(d) Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Site.

(e) Terminate or suspend your access to all or part of the Site for [any or no reason, including without limitation,] any violation of these Terms.

Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Site. YOU WAIVE AND HOLD HARMLESS THE COMPANY [AND ITS AFFILIATES, LICENSEES AND SERVICE PROVIDERS] FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY [THE COMPANY/ANY OF THE FOREGOING PARTIES] DURING OR AS A RESULT OF ITS INVESTIGATIONS AND FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER [THE COMPANY/SUCH PARTIES] OR LAW ENFORCEMENT AUTHORITIES.

However, we [cannot/do not undertake to] review [all] material before it is posted on the Site, and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.

17 INDEMNIFICATION. You agree to release, indemnify, and hold harmless Earnnest and its Affiliates, and their respective officers, directors, employees and agents, (“Indemnified Persons”) harmless from and against any claims, liabilities, damages, losses, and expenses, including reasonable legal and accounting fees, arising out of or in any way related to: (i) your access to, use of, or inability to use the Site or Service; (ii) your breach of these Terms; (iii) your violation of any rights of a third party; (iv) your violation of any Applicable Law; or (v) your failure to provide and maintain true, accurate, current and complete User Information.

18 WARRANTIES AND DISCLAIMERS.

18.1 Limitation of Liability.

YOU UNDERSTAND AND AGREE THAT COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, PARTNERS, SUCCESSORS, AGENTS, AFFILIATES, OR ANY RELATED COMPANIES WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLE LOSSES ARISING OUT OF, RELATING TO, OR IN ANY WAY CONNECTED WITH THE SITE, SERVICE OR THESE TERMS, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OR INABILITY TO USE YOUR COMPANY ACCOUNT, THE SITE, AND SERVICE OR CONTENT, THE COST OF OBTAINING SUBSTITUTE SERVICE RESULTING FROM ANY LOSS OF DATA, INFORMATION, PRODUCTS AND SERVICE OBTAINED FROM TRANSACTIONS ENTERED INTO THROUGH THE SITE OR SERVICE, OR STATEMENTS OR CONDUCT OF ANY THIRD PARTY, OR ANY OTHER MATTER RELATED TO THE SITE AND SERVICE OR CONTENT. YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE SITE AND SERVICE IS PREDICATED UPON YOUR WAIVER OF ANY RIGHT TO SUE COMPANY DIRECTLY OR TO PARTICIPATE IN A CLASS ACTION SUIT FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF THE SITE.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

18.2 No Warranties.

YOU EXPRESSLY AGREE YOUR USE OF THE SITE AND SERVICE IS AT YOUR SOLE RISK. THE SITE, SITE CONTENT AND SERVICE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. WITHOUT LIMITING THE FOREGOING AND TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, COMPANY, AND ITS OFFICERS, DIRECTORS, EMPLOYEES, PARENTS, PARTNERS, SUCCESSORS, AGENTS, DISTRIBUTION PARTNERS, AFFILIATES, SUBSIDIARIES, AND THEIR RELATED COMPANIES DISCLAIM ANY AND ALL WARRANTIES INCLUDING ANY: (1) WARRANTIES THAT THE SITE AND SERVICE WILL MEET YOUR REQUIREMENTS; (2) WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, SECURITY, USEFULNESS, TIMELINESS, OR INFORMATIONAL CONTENT OF THE SITE, SITE CONTENT OR SERVICE; (3) WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE; (4) WARRANTIES FOR SERVICE RECEIVED THROUGH OR ADVERTISED ON THE SITE OR ACCESSED THROUGH THE SITE; (5) WARRANTIES CONCERNING THE ACCURACY OR RELIABILITY OF THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE OR SERVICE; (6) WARRANTIES THAT YOUR USE OF THE SITE OR SERVICE WILL BE SECURE OR UNINTERRUPTED; VIRUS-FREE OR ERROR-FREE AND (7) WARRANTIES THAT ERRORS IN THE SITE OR SERVICE WILL BE CORRECTED.

Earnnest does not warrant or make any representations regarding availability, accuracy, reliability, completeness, or timeliness of the materials, Service, text, graphics, and or links associated with the Site. If your use of the Site or the materials, Service, text, graphics, and or links associated with the Site results in the need for servicing or replacing equipment or data, Earnnest is not responsible for those costs.

19 TERM AND TERMINATION.

19.1 Term. These Terms shall commence on the date you first access the Site or use the Service and remain in effect until either Party terminates these Terms (the “Term”).

19.2 Termination Rights of Earnnest. Earnnest may terminate these Terms at any time in its sole discretion.

19.3 Your Termination Rights. You may terminate these Terms at any time by ending your use of the Site and the Service and notifying Earnnest support@earnnest.com.

20 BINDING ARBITRATION.

20.1 Arbitration Process. Arbitration shall be conducted by and submitted to a single arbitrator (“Arbitrator”) selected from and administered by the South Carolina office of JAMS (“JAMS”), in accordance with its then-existing Comprehensive Arbitration Rules & Procedures. The arbitration shall be conducted by a licensed attorney or retired judge who is admitted in both federal and state courts, with experience in securities law. The Arbitrator shall be authorized to award compensatory damages, but shall NOT be authorized to award non-economic damages such as for emotional distress, or pain and suffering or punitive or indirect, incidental or consequential damages. Each party shall bear its own attorneys’ fees, cost and disbursements arising out of the arbitration, and shall pay an equal share of the fees and costs of the Arbitrator and JAMS; however, the Arbitrator may award to the prevailing party reimbursement of its reasonable attorneys’ fees and costs (including, for example, expert witness fees and travel expenses), and/or the fees and costs of the Arbitrator. Within fifteen (15) calendar days after conclusion of the arbitration, the Arbitrator shall issue a written award and a written statement of decision describing the material factual findings and conclusions on which the award is based, including the calculation of any damages awarded. Each party shall fully perform and satisfy the arbitration award within fifteen (15) days of the service of the award. Judgment on the award may be entered by any court of competent jurisdiction. By agreeing to this binding arbitration provision, you understand that you are waiving certain rights and protections which may otherwise be available if a claim or dispute were determined by litigation in court, including, without limitation, the right to seek or obtain certain types of damages precluded by this arbitration provision, the right to a jury trial, certain rights of appeal, the right to bring a claim as a class member in any purported class or representative proceeding, and the right to invoke formal rules of procedure and evidence.

20.2 YOU AGREE THAT, IF YOU DECIDE TO OPEN A COMPANY ACCOUNT AND/OR USE THE SERVICE, YOUR RELATIONSHIP WITH COMPANY WILL BE GOVERNED BY THE PRE-DISPUTE ARBITRATION CLAUSE IN THE AGREEMENTS. YOU FURTHER AGREE THAT, IF YOU DECIDE TO OPEN AN ACCOUNT AND/OR USE THE SERVICE, THE PRE-DISPUTE ARBITRATION CLAUSE IN THE AGREEMENT SUPERSEDES THE ARBITRATION PROVISIONS OF THESE TERMS OF USE.

21 RIGHT OF USE. Subject to the provisions in these Terms, you may use the Service, Site, and mobile app for non-commercial purposes to: (i) learn about the Service; (ii) learn about the Site, Service, and Earnnest; (iii) enter into these Terms; (iv) open a Earnnest Account to participate in the Service; (v) access statements and confirmations regarding transactions in connection and the value of your Earnnest Account; (vi) access and print or download copies of the current version of these Terms, and other documentation relating to the Service; and (vii) make such other use of the Site and Service as we may expressly permit from time to time in furtherance of the objectives and growth of the Service. Subject to these Terms, we hereby grant you a personal, nontransferable, nonexclusive, non-sublicensable license to use the user interface of the Site, the Service and their respective content and services in accordance with these Terms, and for no other purpose. All rights, title and interest in and to the user interface and Site, including any software, on or through the Site and Service shall belong to Earnnest or our licensors and suppliers, including all modifications thereof and enhancements thereto. The content and user interface made available from, on or through the Site or Service may not be copied, modified, republished, assigned, sold or distributed to you, nor may derivative works be prepared therefrom. The license granted to you pursuant to these Terms is solely for your personal use (but not for resale or redistribution) as a user of the Site or Service and may not be used for any other purposes. No ownership rights are granted to you hereunder and no title is transferred hereby.

22 RELATIONSHIP OF THE PARTIES. You agree that no joint venture, partnership, employment, or agency relationship exists between you and us as a result of these Terms or your access or use of the Site or the Service. Our performance under these Terms is subject to existing laws and legal process, and nothing contained in these Terms is in derogation of our right to comply with governmental, court and law enforcement requests or requirements relating to your access or use of the Site and/or Service or information provided to or gathered by us with respect to such use.

23 REQUIRED PARTNER TERMS OF SERVICE DISCLOSURES

23.1 Disclosures. In order to use the payment functionality of our application, you must open a "Access API" account provided by Dwolla, Inc. ("Dwolla") and you must accept the Dwolla Terms of Service and Privacy Policy. Any funds held in the Dwolla account are held by Dwolla's financial institution partners as set out in the Dwolla Terms of Service. You authorize us to share your identity and account data with Dwolla for the purposes of opening and supporting your Dwolla account, and you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Dwolla account through our application, and Dwolla account notifications will be sent by us not Dwolla. We will provide customer support for your Dwolla account activity, and can be reached at www.earnnest.com, support@earnnest.com and/or (864)-640-5321.

24 GENERAL TERMS.

24.1 Waiver. The waiver by Earnnest of a breach of any provision contained herein shall be in writing and shall in no way be construed as a waiver of any subsequent breach of such provision or the waiver of the provision itself.

24.2 Governing Law; Consent to Jurisdiction; Waiver of Jury Trial. These Terms will be deemed entered into in the State of South Carolina and will be governed by and interpreted in accordance with the laws of the State of South Carolina, excluding without regard to conflicts of law. The Parties agree that any dispute arising under these Terms will be resolved exclusively in the state or federal courts in South Carolina and the Parties hereby expressly consent to jurisdiction therein, waiving any defenses of jurisdiction or forum non conveniens. The parties irrevocably waive any and all rights to a trial by jury.

24.3 Third Party Beneficiaries. Except as limited herein, these Terms and the rights and obligations hereunder shall bind, and inure to the benefit of the Parties and their successors and permitted assigns. Nothing in these Terms, expressed or implied, is intended to confer upon any person, other than the Parties and their successors and permitted assigns, any of the rights hereunder.

24.4 Entire Agreement. These Terms, as may be amended from time to time, and each of its exhibits or appendices, constitute and contain the entire agreement between the Parties with respect to the subject matter hereof and supersedes any prior or contemporaneous oral or written agreements. Each Party acknowledges and agrees that the other has not made any representations, warranties or agreements of any kind, except as expressly set forth herein.

24.5 Survival. All provisions of these Terms that by their nature extend beyond the expiration or termination of these Terms, including Sections 1, 3, 4, 5, 6, 7, 8, 9, 10, 11, 17, 18, 19, 20, and 23 and the definitions herein as applicable to interpretation of the foregoing shall survive the termination of these Terms.

24.6 Severability. If any provision of these Terms (or any portion thereof) is determined to be invalid or unenforceable, the remaining provisions of these Terms shall not be affected thereby and shall be binding upon the Parties and shall be enforceable, as though said invalid or unenforceable provision (or portion thereof) were not contained in these Terms.

24.7 Assignment. You may not transfer or assign these Terms nor any of your rights hereunder to any third party and any attempt to so transfer or assign will be rendered null and void. Notwithstanding the foregoing, Earnnest may assign these Terms or any rights hereunder without consent: (i) to an entity that acquires all or substantially all of its stock, assets or business; or (ii) to an Affiliate. Except as provided in this section, any attempts by either Party to assign any of its rights or delegate any of its duties hereunder without the prior written consent of the other Party shall be null and void.

24.8 Contact Us. If you have any questions about these Terms, please contact us as described on the website under “Contact Us” or at the email address or phone number provided below. We will attempt to respond to your questions or concerns promptly after we receive them.


E-mail: support@earnnest.com

Call: 1-888-870-2336

Mailing address: 9 Caledon Court, Suite B, Greenville, SC 29615



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