Terms of Service

SUBJECT TO YOUR TIME-LIMITED RIGHT TO OPT OUT IN ACCORDANCE WITH THE INSTRUCTIONS IN SUBSECTION 18(h), THIS AGREEMENT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS, AND ALSO LIMITS THE REMEDIES AVAILABLE TO YOU IN THE EVENT OF A DISPUTE Welcome to www.smartasset.com (the “Site“), a website operated by Financial Insight Technology, Inc. (“SmartAsset“, “we“, “us“, or “our“). We provide software and analytics services to help users understand complex financial questions and make more informed decisions (the “Servicesâ€"). In addition, we integrate our Services with certain mobile applications that may be provided by ourselves or by third parties (each an “Appâ€" and collectively, the “Appsâ€") These Terms of Service (“Termsâ€" or “Agreementâ€") govern your use of our Services whether accessed via the Site or via an App. In addition, use of our Services via an App is subject to additional guidelines, terms, or rules, which will be posted on the Site, the App and at Google Play or the Apple Store in connection with the App (“Supplemental Termsâ€"). All Supplemental Terms are incorporated by reference into these Terms. The Terms of Use and Privacy Policy for any use of the Services accessed via an App are available here. By accessing or using the Services (whether via an App or via the Site) you are accepting these Terms (on behalf of yourself or the entity that you represent) and you represent and warrant that you have the authority and capacity to enter into these Terms (on behalf of yourself or the entity that you represent). You may not access the Services if you are not at least 18 years old. If you do not agree with all of the provisions of these Terms, do not access and/or use the Site, any App, or the Services. 1. SMARTASSET CONTENT. The materials, information and content made available or displayed on the Site or any App or sent to you through the Services, and any derivative works thereof, whether made by us or you, (collectively, “Content“) are proprietary to us or our licensors and should be considered our confidential information. 2. OWNERSHIP. You understand and acknowledge that the software, code, proprietary methods and systems used to provide the Site, Apps, or Services (including via any App) (“Our Technologyâ€") are owned by us or our licensors. 3. GENERAL RULES OF USER CONDUCT. You agree not to misuse the Site, Apps, or Services, including any illegal activity, malware transmission, scraping, impersonation, or abuse. 4. PAYMENT TERMS. If you purchase any Service through the Site, you agree to pay any fees set forth at check-out. 5. TAXES. Service fees are net of applicable sales tax and related obligations where required. 6. DON’T BE OFFENDED. You may be exposed to content that is offensive or violates policy; you access at your own risk. 7. MODIFICATIONS TO TERMS. We may update these terms from time to time. 8. MODIFICATIONS TO THE SITE, APPS, OR SERVICES. We may modify or discontinue services at any time. 9. FEEDBACK. Any feedback you provide may be used by us without compensation. 10. PRIVACY. Our privacy policy describes how we collect, use, and disclose personal information. 11. DISCLAIMER OF WARRANTIES. THE SITE, APPS, CONTENT, AND SERVICES ARE PROVIDED “AS ISâ€" AND “AS AVAILABLE.â€" 12. SCOPE OF SERVICES. SmartAsset.com provides educational content and a Find an Advisor referral service. 13. LIMITATION OF LIABILITY. LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW. 14. INDEMNIFICATION. You agree to indemnify SmartAsset for claims arising from your use or violations. 15. THIRD-PARTY CONTENT AND OTHER WEBSITES. We are not responsible for third-party content or websites. 16. ELECTRONIC COMMUNICATIONS AND E-SIGN CONSENT. You consent to receive communications electronically. 17. COPYRIGHT VIOLATIONS. Report infringement claims to our designated copyright agent. 18. DISPUTE RESOLUTION AND ARBITRATION AGREEMENT. Most disputes are resolved by binding arbitration on an individual basis. 19. GENERAL TERMS. Massachusetts law governs these terms, subject to arbitration provisions. 20. SURVIVAL. Certain sections survive termination. 21. NOTICE; VIOLATIONS. Send notices to info@smartasset.com. 22. SMARTASSET 360. SmartAsset 360 credit services are provided by Identity IQ, not SmartAsset. 23. ACKNOWLEDGEMENT. This agreement is between you and SmartAsset, not Apple or Google. 24. MAINTENANCE AND SUPPORT. SmartAsset is responsible for maintenance and support for App services. 25. WARRANTY. SmartAsset is responsible for applicable product warranties to the extent not disclaimed. 26. PRODUCT CLAIMS. SmartAsset handles product claims for App as permitted by law. 27. INTELLECTUAL PROPERTY RIGHTS. SmartAsset handles third-party IP claims related to App use.