Effective March 4, 2025
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 MOBILE/DESKTOP APPLICATIONS (collectively, our “Services”):
PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE USING THESE APPS AND SITES.
By accessing or using our Services, you agree to be bound by the terms and conditions (the “Terms”) of this Agreement. We may make modifications to these Terms in the future. Continued use of our Services is acknowledgement to any modification of the Terms or amendments that may be added. If you do not agree to these Terms, do not use our Services
Our Services are not intended for anyone under 16 years of age. You may not use the Services if you are under 16. Your use of the Services is your representation and warranty 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 Services, provided that (i) the copyright notice appears in all copies of the files downloaded; (ii) such information from the Services is used only for your personal, non-commercial informational purposes and will not be broadcast it in any media; and (iii) no modifications to such information are made.
Accounts. Some parts of the Services 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 Services for failure to comply with these Terms or any special terms related to a particular service.
Modification of Service. iBear reserves the exclusive right to update, modify or change all or any portion of our Services, 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 any 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 your access to its Services.
Prohibitions. You are strictly prohibited from engaging in any of the following activities in connection with your use of the Services: (i) reverse engineer, decrypt, decompile, decode, disassemble, or otherwise attempt to obtain or reproduce the source code to any Service; (ii) share any Service with other users without the appropriate subscription or our prior written consent; (iii) move, delete or obliterate any copyright notices, proprietary labels or private legends placed upon or found within the Services or any duplicates thereof; (iv) engage in any acts that mar, interfere, destroy, or access in an illegitimate fashion the servers, network connectivity, appearance, or other aspects or services of our Service or any third-party service; (v) using the Services in any manner that violates applicable statutes, rules, or regulations, or facilitating and/or encouraging third-parties to use the Services or information offered through the Services that in any way may result in felonious, fraudulent, or other illegal acts.
No Unlawful or Prohibited Use. You may not attempt to gain unauthorized access to any portion of the Services, or any other accounts, computer systems or networks connected to the Services. You may not interfere with the proper working of the Services or damage our Services. You may not use the Services in any manner that could interfere with any other party’s use and enjoyment of the Services. You may not use any automated device, scripts, program or methodology, or any similar manual process, to collect any information, materials or documents or otherwise interact with the Services through any means not purposely made available to you. You may not exploit the Services in any way where the purpose is to reveal any information, other than the information purposely made available to you. You may not use the Services 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, an individual, or any third-party.
Subscription Information. A monthly subscription will automatically renew each month on the same day of the month as your original subscription on an ongoing basis until you cancel. An annual subscription will automatically renew each year on the same day of the year as your original subscription on an ongoing basis until you cancel.
Enhanced Subscription-Based Services. Several of our Services offer an enhanced level of service via monthly, semi-annual, and annual subscriptions, details of which are as follows:
Modifications and Cancellations. To view, change, or cancel your subscription, follow the instructions for your operating system:
Data Deletion Policy. In the event you cancel your subscription, your data will be deleted as described in our Privacy Policy.
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 Services 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(s).
When you use our Services, you may be required to provide your financial institution account credentials to a 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 to continue service delivery, including transaction downloads, updates, and account syncing.
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 Services 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 Services. 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 Services 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.
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 and expressly disclaims any liability.
Privacy. We will process your personal information as described in our Privacy Policy. Our Privacy Policies apply to the use of the Services and are made a part of these Terms by this reference.
Aggregated Data. We reserve the right to use, share, or publicly disclose anonymized, aggregated data for any legitimate business purpose, including, but not limited to: (i) providing, supporting and improving the Services; (ii) conducting analytical research, compiling statistical reports and tracking performance; (iii) developing and/or improving other iBear services or products; and (iv) sharing such anonymized data with iBear’s affiliates, agents or other third-parties with whom iBear has a business relationship.
As Is and As Available. THE SERVICE MAY CONTAIN INACCURACIES OR ERRORS THAT COULD CAUSE SYNCHRONIZATION FAILURES OR LOSS OF YOUR DATA. THE DATA, FEATURES, CONTENT AND ALL SERVICES PROVIDED THROUGH THE SERVICES ARE PROVIDED TO YOU ON AN “AS IS” AND “AS AVAILABLE” BASIS WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK AND THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY AND EFFORT IS WITH YOU. iBEAR DOES NOT PROMISE THAT THE SERVICES OR ANY CONTENT WILL MEET YOUR REQUIREMENTS, OR THAT THE OPERATION OF THE SERVICES WILL BE ACCURATE, TIMELY, SECURE, ERROR-FREE, UP-TO-DATE, COMPLETE, OR UNINTERRUPTED, OR THAT ANY DEFECTS WILL BE CORRECTED.
No Warranty. iBEAR HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO THE SERVICE AND THE CONTENT, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TIMELINESS, AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS.
Remedy. ALL INFORMATION PROVIDED ON THE SERVICE IS SUBJECT TO CHANGE WITHOUT NOTICE. iBEAR DOES NOT WARRANT THAT ANY FILES OR OTHER DATA YOU DOWNLOAD FROM THE SERVICE WILL BE FREE OF VIRUSES OR CONTAMINATION OR DESTRUCTIVE FEATURES, OR THAT ANY INFORMATION STORED OR TRANSMITTED THROUGH THE SERVICE WILL NOT BE LOST, CORRUPTED OR DAMAGED. iBEAR DISCLAIMS ANY AND ALL LIABILITY FOR THE ACTS, OMISSIONS AND CONDUCT OF ANY THIRD PARTIES IN CONNECTION WITH OR RELATED TO YOUR USE OF THE SERVICES. YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE SERVICES AND ANY LINKED SITES. YOUR SOLE REMEDY AGAINST iBEAR FOR DISSATISFACTION WITH THE SERVICE OR ANY CONTENT IS TO STOP USING THE SERVICE OR ANY SUCH CONTENT. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY iBEAR WILL CREATE A WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT. SHOULD THE SERVICE PROVE DEFECTIVE, iBEAR SHALL NOT HAVE ANY OBLIGATION TO CORRECT, REPAIR, OR CONTINUE TO MAINTAIN OR OFFER THE SERVICES.
Jurisdictional Limitations. THE ABOVE DISCLAIMERS APPLY 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 EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN THOSE JURISDICTIONS, LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF SECTIONS 18-20 MAY NOT APPLY TO YOU.
Limitation of Liability. TO THE EXTENT NOT PROHIBITED BY LAW, IN NO EVENT WILL iBEAR BE LIABLE FOR PERSONAL INJURY, OR ANY INCIDENTAL, SPECIAL, INDIRECT, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, ARISING OUT OF OR RELATED TO THESE TERMS, YOUR USE OR INABILITY TO USE THE SERVICES, HOWEVER CAUSED, WHETHER UNDER A THEORY OF CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), PRODUCTS LIABILITY, OR OTHERWISE, EVEN IF iBEAR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. iBEAR DISCLAIMS ALL LIABILITY WITH RESPECT TO ITS CESSATION TO MAKE THE SERVICES AVAILABLE TO YOU WHEN SUCH CESSATION RESULTS FROM THE SERVER SHUTDOWN EITHER ACCIDENTAL OR INTENTIONAL. NO ACTION, EITHER UNDER STATUTORY LAW, COMMON LAW, TORT OR CONTRACT, REGARDLESS OF FORM, ARISING OUT OF THIS AGREEMENT SHALL BE BROUGHT AGAINST iBEAR MORE THAN SIX (6) MONTHS FROM THE DATE SUCH PARTY FIRST BECOMES AWARE OF THE CAUSE OF ACTION OR IT SHALL FOREVER BE BARRED, NOTWITHSTANDING ANY STATUTE OF LIMITATIONS OR OTHER LAW TO THE CONTRARY.
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 SERVICES. 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.
Arbitration Agreement and Class Action Waiver. You agree to arbitrate all disputes and claims that arise out of or relate to your use of the services. Therefore, you agree that, by using the services, you are waiving your right to a trial by jury or to participate in any class action based on or involving claims brought in a purported representative capacity on behalf of the general public, other users, or other persons similarly situated. You agree that you’ve expressly and knowingly waived these rights.
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 Services. 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.
Choice of Law; Forum: You agree that the Service shall be deemed based in Nevada. These Terms 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.
Violation of These Terms. You agree that iBear may, in its sole discretion and without prior notice, terminate your access to the Services if we determine that you have violated these Terms or other agreements or guidelines which may be connected with your use. 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 Services 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’s Privacy 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.
Embargo. Use of the Services is your express representation and warranty 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.
Modification and Notice of Changes: We reserve the right to change, modify, add, or remove any element of the Services 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 Services after the posting of changes constitutes your binding acceptance of such changes.
App Store. These Terms are between you and iBear only, and not with any platform or app store (collectively, “App Store”). The App Stores are not responsible for the Services 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.
Refunds. In the unlikely event of any failure of the Services to operate in accordance with any applicable warranty, you may notify the App Store, and it will refund the purchase price. To the maximum extent permitted by applicable law, the App Store will have no other warranty obligation whatsoever with respect to the Services.
App Store Responsibility. App Stores are not responsible for addressing claims brought by you or any third party that relate to the Services, or your license or use thereof, including (but not limited to): (i) product liability claims; (ii) any claim that the Services fail to conform to any applicable legal or regulatory requirement; (iii) intellectual property right claims; and (iv) claims arising under consumer protection or similar legislation. iBear is solely responsible for addressing any such claims.
If you have any questions about these Terms, please contact us here.