ADDITIONAL TERMS OF SERVICE FOR MONEY PRO

THESE TERMS APPLY TO YOUR USE OF THE IBEAR MONEY PRO APP, AND ARE IN ADDITION TO OUR GENERAL APP TERMS OF SERVICE AND ARE INCORPORATED THEREIN.

1. Collection of Financial Institution Account Data. Access to your financial institution account data is made possible through the use of Third-Party Service Providers, including Salt Edge* and Yodlee. You acknowledge and agree that we and our Third-Party Service Providers may collect and store your financial institution account data in accessing your information.

(a) If you reside outside of the United States, you further acknowledge and agree that we and our Third-Party Service Providers may access, use, gather, process and store your financial institution account data in jurisdictions other than your country of residence and/or the jurisdiction(s) in which you use the Money Pro App.

(b) You expressly authorizes our Third Party Service Providers to use certain elements of your PII to: (i) collect, reformat, and manipulate your financial institution account data; (ii) create and provide hypertext links to financial institution(s); (iii) access the financial institution services using your username and password; (iv) update and maintain account information; (v) address errors or service interruptions; (vi) enhance the type of data and services Third Party Service Providers can provide in the future; and (vii) take such other actions as are reasonably necessary to perform the actions described in (i) through (vi) above, each in connection with the provision of Third Party Services via the Money Pro App.

(c) IN ACCESSING AND USING THE MONEY PRO APP TO ACCESS YOUR FINANCIAL INSTITUTION, YOU REPRESENT AND WARRANT THAT YOU ARE THE LEGAL OWNER OF THE ACCOUNT AND THAT YOU HAVE THE AUTHORITY TO APPOINT, AND DO HEREBY EXPRESSLY APPOINT OUR THIRD-PARTY SERVICE PROVIDERS AS YOUR AGENT WITH LIMITED POWER OF ATTORNEY TO ACCESS IN READ-ONLY MODE AND RETRIEVE ACCOUNT DATA ON YOUR BEHALF.  You further acknowledge that Third Party Service Providers do not review or analyze account data, and you agree that Third Party Service Providers are not responsible for its completeness or accuracy. Any transactions or informational activities performed in any financial institution are not made through the Money Pro App and Third-Party Service Providers assume no responsibility for such transactions or activities. You acknowledge that you are solely responsible for any changes to your financial institution account data, and that any such changes must be made in the applicable financial institution.

2. Information from Financial Institutions. You acknowledge and agree that: (i) Financial institutions may not allow Third-Party Service Providers access to their services; (ii) Financial institutions may make changes to their services (with or without notice to Third Party Service Providers), that may prevent or delay aggregation of data from such financial institutions; and (iii) although the Third-Party Service Providers will try to “refresh” your account data, if the data is not the most current from financial institutions, your most recent transactions may not be reflected in any account information presented to you via the Money Pro App. It is your obligation to watch for any discrepancy in your account data, and before making any transactions or decisions based on such account data presented in the Money Pro App, you should check the last refresh date for the account and confirm with your financial institution that the account data is correct or otherwise confirm that it is up to date and accurate. NEITHER WE NOR OUR THIRD-PARTY SERVICE PROVIDERS REPRESENT OR WARRANT THAT THE ACCOUNT DATA PRESENTED IN THE MONEY PRO APP WILL AT ALL TIMES BE COMPLETE, ACCURATE, ERROR-FREE OR UP-TO-DATE.

3. Disclaimer: YOU FULLY ACCEPT AND CONFIRM THAT THE MONEY PRO APP AND ANY INFORMATION TENDERED THROUGH THE THIRD-PARTY SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE". IBEAR AND OUR LICENSORS AND THIRD-PARTY SERVICE PROVIDERS (INCLUDING SALT EDGE AND YODLEE) OFFER NO WARRANTIES, DIRECT, IMPLIED, OR STATUTORY AND DISCLAIM ANY AND ALL WARRANTIES WITH REGARD TO THE MONEY PRO APP, ANY THIRD PARTY SERVICES, OR ANY DATA PROVIDED THROUGH THE MONEY PRO APP, EITHER WHOLLY OR IN PART, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, MERCHANTABLE QUALITY, TITLE OR NON-INFRINGEMENT. YOU FURTHER ACKNOWLEDGE AND ACCEPT THAT ANY USE OF THE MONEY PRO APP WILL BE AT YOUR EXCLUSIVE JUDGMENT AND SOLE RISK, AND THAT IN CASE OF ANY LOSSES IN CONNECTION WITH YOUR USE OF THE MONEY PRO APP, IBEAR AND OUR THIRD-PARTY SERVICE PROVIDERS DISCLAIM ANY AND ALL LIABILITY IN CONNECITON WITH THE SAME.


* Salt Edge is a trademark of Salt Edge Inc. and is shown under license.