1. Introduction
Welcome to Sage Finances! These Terms and Conditions ("Terms") govern your use of the Sage Finances website (the "Website") and any related services provided by Sage Finances ("we," "us," or "our"). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use the Website.
2. Acceptable Use
You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of or restrict or inhibit the use and enjoyment of the Website by any third party. Prohibited behavior includes, but is not limited to:
- Violating any applicable laws or regulations.
- Transmitting any harmful or malicious code, such as viruses, worms, or Trojan horses.
- Attempting to gain unauthorized access to the Website, its servers, or related systems.
- Engaging in any activity that could damage, disable, overburden, or impair the Website or interfere with other users' access.
- Collecting or harvesting any personally identifiable information from the Website without consent.
- Using the Website to promote or engage in any illegal or unethical activities.
We reserve the right to investigate and take appropriate legal action against anyone who violates these Terms, including, without limitation, removing the offending content from the Website and terminating the access of such violators.
3. Intellectual Property
The content, design, and other materials available on the Website are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content from the Website without our prior written consent. All rights not expressly granted in these Terms are reserved by Sage Finances.
Specifically, the Sage Finances logo and all related trademarks and service marks are owned by Sage Finances. You may not use these trademarks without our express written permission. Content provided by third-party contributors is owned by them and subject to their respective licenses and copyright restrictions. We strive to attribute content appropriately but if you feel your intellectual property has been misrepresented, please contact our legal team at legal@sagefinances.com to resolve the issue.
4. Disclaimer of Warranties
The Website and its content are provided on an "as is" and "as available" basis, without any warranties of any kind, either express or implied. We disclaim all warranties, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.
Sage Finances provides content related to financial literacy, wealth building, and general money management, we are not financial advisors and the content shared on this website does not constitute financial advice. Please consult with a qualified financial advisor for personalized financial advice relevant to your particular circumstances.
5. Limitation of Liability
To the fullest extent permitted by applicable law, Sage Finances shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (a) your use or inability to use the Website; (b) any unauthorized access to or use of our servers and/or any personal information stored therein; (c) any interruption or cessation of transmission to or from the Website; (d) any bugs, viruses, Trojan horses, or the like that may be transmitted to or through the Website; (e) any errors or omissions in any content or for any loss or damage of any kind incurred as a result of your use of any content posted, emailed, transmitted, or otherwise made available via the Website, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage.
Our liability is limited even if we have been advised of the possibility of such damages. In no event shall the aggregate liability of Sage Finances exceed one hundred U.S. dollars ($100.00).
6. Indemnification
You agree to indemnify, defend, and hold harmless Sage Finances, its officers, directors, employees, agents, licensors, and suppliers from and against all claims, losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting from any violation of these Terms or any activity related to your use of the Website (including negligent or wrongful conduct) by you or any other person accessing the Website using your internet account.
7. Dispute Resolution
Any dispute arising out of or relating to these Terms or the use of the Website shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in Seattle, Washington, USA. The decision of the arbitrator shall be final and binding on the parties. Nothing in this section shall prevent us from seeking injunctive or other equitable relief from a court of competent jurisdiction to protect our intellectual property rights or confidential information.
8. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Washington, without regard to its conflict of law provisions.
9. Changes to Terms
We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting the revised Terms on the Website. Your continued use of the Website after the posting of revised Terms constitutes your acceptance of those changes. Please review these Terms periodically for updates.
10. Contact Information
If you have any questions about these Terms, please contact us at:
Sage Finances Legal Department
123 Willow Creek Lane, Suite 200
Seattle, WA 98101
Email: legal@sagefinances.com
Phone: (206) 555-1212
11. Severability
If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced.
12. Entire Agreement
These Terms constitute the entire agreement between you and Sage Finances relating to your use of the Website and supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and Sage Finances with respect to the Website.
13. Termination
We reserve the right to terminate your access to the Website at any time, without cause or notice, which may result in the forfeiture and destruction of all information associated with your account. All provisions of the Terms that by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.