Terms of Use

1. Acceptance of These Terms

These Terms of Use ("Terms") govern your access to and use of the GoFinvy.com corporate website (the "Website"), which is operated by Finvy Budget LLC ("Finvy," "we," "us" or "our"). By accessing or using the Website, you agree to these Terms. If you do not agree, please do not use the Website.

2. Purpose of the Website

The Website provides information about Finvy and the Finvy experiences, offers educational resources, and allows visitors to contact Finvy or request a demo.

3. The Website and Separate Finvy Products

These Terms apply only to the Website.

Finvy Smart Budgeting, Finvy Life Simulator, organizational programs and other Finvy products or services are separate experiences. They may be governed by their own privacy policies, terms, subscription terms, contracts or organizational agreements. These Terms do not replace or override those separate documents. If a separate document applies to a Finvy product, program or relationship, that document governs it.

4. Informational and Educational Content

Content on the Website, including its resources and articles, is provided for general informational and educational purposes about Finvy and its offerings.

5. No Financial, Investment, Legal, Tax or Credit Advice

Content on the Website is not financial, investment, legal, tax or credit advice, and it is not tailored to your personal circumstances. Consider speaking with a qualified professional about your specific situation.

6. No Guarantee of Financial Outcomes

Finvy does not guarantee debt reduction, savings, credit improvement, investment performance or any specific financial result based on use of the Website or the information presented on it.

7. No Subscription, Contract or Professional Relationship

Using the Website, submitting the Contact form or submitting the Request a Demo form does not by itself:

• create a subscription to any Finvy product
• create a contract between Finvy and you or your organization for any product, program or service
• create an advisory, fiduciary, employment, partnership or professional services relationship

Any such relationship requires a separate agreement or enrollment.

8. Intellectual Property

Finvy names, branding, logos, Website content and other materials may be protected by intellectual property laws. Except as these Terms allow, you may not copy, reproduce, modify, distribute or create derivative works from Website materials without Finvy's prior written permission.

You may view and print Website content for your personal, noncommercial use or for evaluating Finvy on behalf of your organization, as long as you keep any proprietary notices intact.

9. Acceptable Use

When using the Website, you agree not to:

• use the Website for any unlawful purpose
• submit false or misleading information, or submit another person's information without permission
• submit account numbers, passwords, Social Security numbers or other sensitive financial information through the Website's forms
• interfere with or disrupt the Website or its security features
• attempt to gain unauthorized access to the Website, its systems or its service providers
• use automated means, such as bots or scripts, to submit forms, send spam or bypass security measures
• use the Website to send harassing, harmful or abusive content

10. Security and Automated Abuse

The Website uses security measures, including bot and abuse protection on its forms. You agree not to circumvent, disable or interfere with these measures. Finvy may block, ignore or decline to respond to submissions that appear automated, abusive or fraudulent.

11. Third Party Websites and Services

The Website may link to websites and services operated by others, and some Website features rely on third party service providers. Finvy does not control third party websites and is not responsible for their content, practices or availability. Your use of a third party website is governed by that website's own terms and policies.

12. Separate Finvy Product Experiences

Links on the Website may take you to separate Finvy product experiences, such as Finvy Smart Budgeting or Finvy Life Simulator. Your use of those products is governed by the documents that apply to them, not by these Terms.

13. Website Availability and Changes

Finvy may change, suspend or discontinue any part of the Website at any time. The Website may occasionally be unavailable because of maintenance, updates or circumstances beyond our control.

14. Voluntary Feedback

If you voluntarily send Finvy suggestions or feedback about the Website or Finvy offerings, Finvy may use that feedback without any obligation to compensate you, subject to applicable law.

This section does not apply to confidential business proposals, proprietary organizational information, or information exchanged within an established confidential business relationship. That information is handled according to any applicable agreement between the parties and applicable law.

15. Privacy

Information submitted through the Website is handled as described in the Finvy Privacy Policy.

16. Disclaimers

To the fullest extent permitted by applicable law, the Website and its content are provided "as is" and "as available," without warranties of any kind, whether express or implied. These include implied warranties of merchantability, fitness for a particular purpose and noninfringement. Finvy does not warrant that the Website will be uninterrupted, error free or secure, or that its content will always be complete, accurate or current.

Some jurisdictions do not allow certain warranties to be disclaimed. In those jurisdictions, some of these disclaimers may not apply to you.

17. Limitation of Liability

To the fullest extent permitted by applicable law, Finvy and its owners, officers, employees and agents will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, data or goodwill, arising from or related to your use of, or inability to use, the Website or its content.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.

18. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Finvy from claims, losses and reasonable expenses arising from:

• your misuse of the Website
• your violation of these Terms
• your violation of another person's rights through your conduct on the Website

19. Governing Law

These Terms are governed by the laws of the State of North Carolina, without regard to its conflict of laws principles, subject to applicable law and to any rights or protections that cannot be waived under the law that applies to you.

20. Changes to These Terms

We may update these Terms from time to time. When we do, we will post the updated Terms on the Website and revise the effective date above. Your continued use of the Website after an update means you accept the updated Terms.

21. Contact Us

If you have questions about these Terms, contact us at:

Finvy Budget LLCHello@finvysmartbudgeting.com