Last Updated: 23 February 2020
THIS IS A LEGAL AGREEMENT BETWEEN YOU AND iBEAR LLC (“iBEAR”, “WE”) STATING THE TERMS THAT GOVERN YOUR USE OF THE FOLLOWING iBEAR WEBSITES AND THEIR ASSOCIATED MOBILE AND DESKTOP APPLICATIONS:
(a) iBear Money (www.ibearmoney.com);
(b) Money Pro® (www.money.pro);
(c) Checkbook HD (www.checkbookhd.com);
(d) Notes HD (www.noteshd.com);
(e) Time Pro (www.gettime.pro);
(f) www.ibearsoft.com.
PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE USING THESE SITES AND APPS.
By using our Sites and Apps, you understand, acknowledge and agree that you will abide by these Terms of Service (“Terms”) and any additional terms that govern certain products and services, which will be presented in conjunction with those products and services. If you do not agree to these Terms, do not use ourSites or Apps.
NOTE: Our Apps are not intended for children under 16 years of age, and you may not use the Apps if you are under 13. You hereby represent and warrant that you are at least 16 years of age.
Any rights not expressly granted herein are reserved by iBear.
NOTE: Please Click Here to review additional terms applicable to the Money Pro App.
You may use information purposely made available by iBear for downloading from the Sites, provided that (1) the copyright notice appears in all copies of the files downloaded, (2) such information from the Sites is used only for your personal, non-commercial informational purposes and will not be copied or posted on any network computer or broadcast it in any media, (3) no modifications to such information are made.
Accounts. Some parts of the Sites and Apps require you to create an account to get access to certain services. You agree to provide, maintain and update true, accurate, current and complete information about yourself as prompted by our registration processes. You shall not impersonate any person or entity or misrepresent your identity or affiliation with any person or entity, including using another person’s username, name, email address, password or other account information. We may suspend or terminate your account and your ability to use the Sites or any portion thereof for failure to comply with these terms of use or any special terms related to a particular service, for infringing copyright, or for any other reason whatsoever.
(a) Family Cloud Sync: A Money Pro Family Cloud Sync subscription enables users to share data between devices on and across multiple platforms (iOS/Mac), and among other users.
(b) Money Pro Plus: A Money Pro Plus subscription enables users to share data between devices on and across multiple platforms (iOS/Mac/Android/Windows 10), and among other users (Money Pro Sync).
(c) Money Pro Gold: A Money Pro Gold offers all Money Pro Plus features and enables users to access and download banking data directly from the user’s bank (Online Banking).
(d) Time Pro Premium: A Time Pro Premium subscription version of its Time Pro App that can be purchased on a subscription basis or with a single payment.
(a) Time Pro Premium One-Time Fee: If you choose the one-time fee option for your Time Pro subscription, you will receive the full range of Time Pro Premium indefinitely without being charged any additional fees. However, as set forth elsewhere in these Terms, we reserve the right to modify or change all or any portion of this or any other App at any time.
(b) Modifications and Cancellations: To view, change, or cancel your subscription, follow the instructions for your operating system:
(c) Data Deletion Policy: In the event you cancel your subscription, your data will be deleted from our servers as described in our Privacy Policy.
(d) Free Trial Period: If you subscribed under a free trial period offer, you will be charged the subscription fee at the conclusion of the free trial period unless you cancel your subscription prior to that date.
Third Party Services. Some Apps may request access to certain services offered by or through third parties (“Third-Party Services”). In order to utilize those Apps that use or gather information from Third-Party Services, you hereby authorize us to share your account data with such Third-Party Service Providers to the extent necessary to deliver their service.
When you use the "add online banking", “connect bank account” or "sync bank account" feature of our Site and Apps, you may be required to provide your third party account credentials to our Third-Party Service Provider. This service provider will use your account credentials to retrieve and display your third party financial account information in your user account. In some cases, the Third-Party Service Provider may collect and store your account credentials continue service delivery, including account syncing. You hereby authorize and permit the Company to use and store information submitted by YOU to accomplish the foregoing. All information and data obtained from such third parties shall be deemed as User Content and treated as such pursuant to the terms of this Agreement.
Any use of these third party services to obtain and provide your account information maintained by any third parties as part of your usage of our Site and Apps grants us a limited power of attorney, and appointment of iBear, LLC. as your attorney-in-fact and authorized agent, to access third party websites, to obtain and use your information with the full power and authority as you could to deliver our Site and Apps. Furthermore, you acknowledge and agree that our access and retrieval of your third party account information is done at your direction, as your authorized agent, and attorney-in-fact, and not as the agent of or on behalf of any other party.
According to our service providers outlined in our Privacy Policy, we may work with one or more third party financial service providers to access your account information. Specifically, we use Salt Edge Limited for institutions that require PSD2 compliance. Your continued use of our Site and Apps is acknowledgement you have read and agree with the Salt Edge Terms of Service and Privacy Policy, and accept their terms and privacy practices. We are not responsible for any acts, errors, omissions, or service-related issues of the Third Party Service Providers.
If you access and use the Third-Party Services, you are solely responsible for evaluating and assessing any Third-Party Services including terms and conditions which apply. We shall access, use, process and store your information and account data strictly in accordance with these Terms, and solely for the express purpose of providing you with the services offered by our Apps.
(a) You are solely responsible for maintaining the confidentiality and security of your account access information.
(b) You are solely responsible for compliance with the applicable laws, rules and regulations in the jurisdiction(s) in which you use the Apps and any liability arising from your failure to do so is expressly disclaimed.
(c) You are solely responsible for ensuring that your use of the Apps does not violate any applicable terms and conditions, policies, guidelines, regulations and restrictions of your financial institution(s), and hereby acknowledge and agree that your are solely responsible for verifying compliance with your financial institution’s terms and conditions, policies, guidelines, regulations and restrictions and any liability derived from your failure to do so is expressly disclaimed.
(d) You are solely responsible for any communication and information submitted to us, such as your account registration information, including by electronic mail or otherwise through the online channels offered in the Apps. We assume that any communication received through use of the App was sent or authorized by you and that any such communication is compliant with applicable laws including anti-spam laws.
(e) You agree to immediately notify us if you become aware of any loss, theft or unauthorized use of any of your account information (including, but not limited to, your mobile device). We reserve the right to deny access to any App if we reasonably believe that any loss, theft, or unauthorized use of your account information has occurred. Such denial of access may without limitation enable us to investigate said loss, theft or unauthorized use of any of your account information.
(a) Reverse engineer, decrypt, decompile, decode, disassemble, or otherwise attempt to obtain the source code to any App;
(b) Share the App with other users without our prior written consent;
(c) Move, delete or obliterate any copyright notices, proprietary labels or private legends placed upon or found within the Apps or any duplicates thereof;
(d) Engage in any acts that mar, interfere, destroy, or access in an illegitimate fashion the servers, network connectivity, or other aspects or services of any third party; and
(e) Using the Apps in any manner that violates applicable statutes, rules, or regulations, or facilitating and/or encouraging third parties to use the Apps or information offered through the Apps that in any way may result in felonious, fraudulent, or other illegal acts.
You acknowledge that the Forum, the Blog and features offered therein are for public and not private communications, and you have no expectation of privacy with regard to any your messages posted on the Forum and any your Blog comments. We cannot guarantee the security of any information you disclose through the Forum or the Blog; you make such disclosures at your own risk. You are and shall remain solely responsible for the messages you post on the Forum or comments you leave on the Blog under your username and for the consequences of posting the messages and comments. We are under no obligation to monitor the Forum and comments to the Blog. Also, you should be skeptical about information provided by others, and you acknowledge that the use of any messages posted on the Forum or Blog comments is at your own risk. For example, we are not responsible for, and we do not endorse, the opinions, advice or recommendations posted or sent by users in the Forum or left as Blog comments and we specifically disclaim any and all liability in connection therewith. We owe you no obligation, and therefore may refuse to post, deliver, remove, modify or otherwise use or take any action with respect to messages you post on the Forum or leave as Blog comments.
By participating in the Forum or leaving comments to the Blog, you agree that you will not upload, post, or otherwise transmit any content (including text, links, communications, software, images, sounds, data, or other information) that: (i) is unlawful, harmful, threatening, abusive, harassing, defamatory, libelous, invasive of another’s privacy, vulgar, profane, sexually explicit, obscene, racially or ethnically offensive or otherwise objectionable; (ii)infringes on any patent, trademark, trade secret, copyright, or other proprietary rights of any party; (iii) constitutes advertising or promotion, junk mail, “spamming,” chain letters, or any other form of unauthorized solicitation.; (iv) contains software viruses, Trojan horses, worms or any other computer code or files that are designed to disrupt, damage, or limit the functioning of any software or hardware; (v) provides any non-public information about iBear or any other company or person without the proper authorization to do so; (vi) intentionally interferes with the operation of the Forum or with a fellow user’s message box, without limitation, mail or “post” bombing, news bombing, other flooding techniques, deliberate attempts to overload a system and broadcast attacks, or attempts to avoid messaging blocking.; (vii) attacks or insults another Forum user or iBear; (viii) suggests or encourages illegal activity; or (ix) violates the U.S. or international laws or regulations.
No Unlawful or Prohibited Use. You may not attempt to gain unauthorized access to any portion of the Service, or any other accounts, computer systems or networks connected to the Service, by hacking, password “mining” or any other illegitimate means. You may not use any device, software or routine to interfere with the proper working of the Service or damage our Service. You may not use the Service in any manner that could interfere with any other party’s use and enjoyment of any Site or App. You may not use any automated device, scripts, program or methodology, including but not limited to “deep-link”, “page-scrape”, “spider”, “robot”, or any similar manual process, to collect any information, materials or documents or otherwise interact with the Sites through any means not purposely made available to you through the Sites. You may not exploit the Service in any way where the purpose is to reveal any information, other than the information purposely made available to you through the Service. You may not use the Sites or any Content for any purpose that is unlawful or prohibited by these Terms, or to solicit the performance of any illegal activity or other activity, which infringes the rights of iBear or third parties.
(a) Providing, supporting and improving the Service and the Apps;
(b) Conducting analytical research, compiling statistical reports and tracking performance;
(c) Developing and/or improving other iBear services or products; and
(d) Sharing such anonymized data with iBear’’s affiliates, agents or other third parties with whom iBear has a business relationship.
Links to Third Party Sites. The Sites may contain links to other independent third-party Web sites (“Linked Sites”). iBear is providing these links to you solely as a convenience. The Linked Sites are not under the control of iBear, and the inclusion of any link does not imply endorsement by iBear of the Linked Site. iBear is not responsible for the content of such Linked Sites.
Modification of Service. iBear reserves the exclusive right to update, modify or change all or any portion of our Apps or Sites, and any applicable policies or terms at any time, without notice. iBear may also modify, suspend, interrupt, discontinue, or terminate operation of or access to the Service or any portion thereof, for any reason at any time, without notice.
Temporary Suspension. iBear reserves the exclusive right, in its sole discretion, to temporarily suspend your access in the event of Service degradation or instability, an emergency, Force Majeure, or exposure of a critical security vulnerability. iBear will notify you as soon as reasonably practicable, but will have no responsibility, under any circumstances, for any liabilities, losses, lost profits, or damages that might arise in relation to iBear’s suspension of access to its Service.
The above disclaimer applies to any damages, liability or injuries caused by any failure of performance, error, omission, defect, interruption, deletion, delay in operation or transmission, computer virus, communication line failure, theft or destruction of or unauthorized access to, alteration of, or use, whether for breach of contract, tort, negligence or any other cause of action.
Some jurisdictions do not allow the limitation of liability. In such jurisdictions, iBear’s liability to you for any damage or loss which arises out of or is in any way connected with your use of the Sites or any Content is limited to the greatest extent permitted by law, or $50, whichever is less.
Indemnification. To the extent permitted by law, you agree to indemnify and hold harmless, and upon iBear’s request, defend, iBear, its directors, shareholders, officers, employees, independent contractors and agents (each an “iBear Indemnified Party”) from any and all claims, losses, liabilities, damages, taxes, expenses and costs, including without limitation, attorneys fees and court costs, incurred by an iBear Indemnified Party due to or arising from or in connection with your use of the Service. YOU FURTHER AGREE TO INDEMNIFY AND HOLD HARMLESS ANY AND ALL THIRD-PARTY SERVICE PROVIDERS IN RESPECT OF ANY LOSSES, CLAIMS, DAMAGES, LIABILITIES, COSTS AND EXPENSES ARISING FROM YOUR USE OF THE APPS.
No Warranty: iBear makes no representation or warranty that: (a) the Service will be free of errors, bugs, or glitches, or that any such error, bug, or glitch will be corrected; (b) servers that house the System are free of viruses or other malicious code; and (c) your use of the Service is in compliance with the Terms of Service of any third party, including, without limitation, third party social media services. THE SERVICE ARE PROVIDED ON AN "AS IS" BASIS WITHOUT ANY WARRANTY WHATSOEVER. iBearPROVIDES NO WARRANTIES WHATSOEVER REGARDING THE ACCURACY, RELIABILITY, OR DELIVERY OF THE SERVICE, AND HEREBY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY ARISING FROM COURSE OF DEALING, USAGE, OR TRADE, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR TITLE.
This agreement to arbitrate includes, but is not limited to, any dispute, claim or controversy arising out of or relating to your use of the Service. Any such dispute shall be determined by arbitration in Reno, Nevada before one arbitrator. Any party to an arbitration proceeding may appear remotely by telephone or Internet. The arbitration shall be administered by JAMS pursuant to its Streamlined Arbitration Rules and Procedures. Judgment on the Award may be entered in any court having jurisdiction. This clause shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction.
Choice of Law; Forum: You agree that the Service shall be deemed based in Nevada.This document shall be governed in all respects by the laws of the United States and the State of Nevada. Any claim or dispute you may have against us, whether subject to mandatory arbitration or otherwise, must be brought in Reno, Nevada. For any matters not subject to mandatory arbitration, you agree to submit to the personal jurisdiction of the courts located within Reno, Nevada for the purpose of litigating all such claims or disputes. All claims filed or brought contrary to this section shall be considered improperly filed. Should you file a claim improperly, we may recover reasonable attorneys’ fees and costs, provided that we have notified you in writing of the improperly filed claim and you have failed to withdraw the claim promptly.
Limitation of Actions. Any claim or cause of action arising out of your use of the website or Service must be filed within one year after such claim or cause of action arose or it shall forever be barred, notwithstanding any statute of limitations or other law to the contrary. Within this period, any failure by iBear to enforce or exercise any provision of these Terms or any related right shall not constitute a waiver of that right or provision.
Modification and Notice of Changes: We reserve the right to change, modify, add, or remove any element of the Service and portions of these Terms, without advance notice to you. We will notify you of any changes to these Terms by posting the effective date of the change at the top of this page. Except as stated elsewhere, such amended terms will be effective immediately and without further notice. Your continued use of the Service after the posting of changes constitutes your binding acceptance of such changes.
Violation of These Terms. You agree that iBear may, in its sole discretion and without prior notice, terminate your access to the Sites and/or block your future access to the Sites if we determine that you have violated these Terms or other agreements or guidelines which may be connected with your use of the e. You also agree that in case of any violation by you of these Terms iBear will be entitled to recover monetary damages and obtain any injunctive or equitable relief that iBear deems necessary or appropriate in such circumstances. You agree that iBear will not be liable to you or to any third party for termination of your access to the Sites as a result of any violation of these Terms. If iBear takes any legal action against you as a result of your violation of these Terms, iBear will be entitled to recover from you, and you agree to pay, all reasonable attorneys’ fees and costs of such action, in addition to any other relief granted to iBear.
Entire Agreement and Severability. These Terms and any document incorporated by reference herein, together with iBear’sPrivacy Policy, constitute the entire agreement between you and us and govern your use of the Service, superseding any prior agreements between us. If any provision of these Terms is found by a court or other binding authority to be invalid, the remaining provisions contained in these Terms shall continue in full force and effect.
(a) These Terms are between you and iBear only, and not with any Platform or other Service Provider (collectively, “Service Providers”). The ServiceProviders are not responsible for the Service or its functions, and have no obligation whatsoever to furnish any maintenance or support services with respect thereto. All maintenance and support are the sole responsibility of iBear.
(b) In the unlikely event of any failure of the Service to operate in accordance with any applicable warranty, you may notify the ServiceProvider, it may refund the purchase price; and to the maximum extent permitted by applicable law, the ServiceProvider will have no other warranty obligation whatsoever with respect to the Service, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be your sole responsibility.
(c) Service Providers are not responsible for addressing claims brought by you or any third party that relate to the Service, or your possession or use thereof, including (but not limited to): (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation. iBear is solely responsible for addressing any such claims.
(d) In the event of any third-party claim that the Service or your possession or use thereof infringes that third party’s intellectual property rights, iBear, and not the Service Provider, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim.
(e) You expressly represent and warrant that you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; and you are not listed on any U.S. Government list of prohibited or restricted parties.
(f) The Service Provider and its subsidiaries are third party beneficiaries of these Terms, and the Service Provider will have the right (and will be deemed to have accepted the right) to enforce this Terms against you as a third party beneficiary thereof.
QUESTIONS?
If you have any questions about this agreement, please contact us here.