Terms of Use

Effective September 9, 2015

Welcome, and thank you for your interest in Clinc, Inc. (“Clinc”, “Finie”, “we,” or “us”) and our Website at www.clinc.com (the “Site”), as well as all related web sites, downloadable software, mobile applications, and other services provided by us and on which a link to these Terms of Use is displayed (collectively, together with the Site, our “Service”). These Terms of Use is a legally binding contract between you and Clinc, Inc. regarding your use of the Service.
If you are not eligible to use the Services, or do not agree to these Terms, then please do not use the Service.

1. Finie Service Overview.
Finie provides an application for managing cash flow and other financial data. Please note that the Service is meant only as an aid to assist you in organizing and managing your finances. The Service is not intended provide any legal, tax or financial advice. The Service is intended only to assist you in your financial goals and decision­making from a higher level, generalized perspective. You acknowledge that your personal financial circumstances are unique, and that before any information, advice, recommendations or other content you obtain through the Service is implemented or acted upon, you should obtain the advice of a financial advisor or other financial planning professional who is aware of your personal financial circumstances.

2. Mobile Device Usage
Use of the Services may be made available through a browser on a mobile device or through an application running on a mobile device. You are solely responsible for all costs incurred by you with respect to your usage of the Services on a mobile device, including data usage fees and other telecommunications fees.

3. Prohibited Conduct
By using the service you agree not to:
3.1 use the Service for any illegal purpose, or in violation of any local, state, national, or international law;
3.2 violate, or encourage others to violate, the rights of third parties, including by infringing or misappropriating third party intellectual property rights;
3.3 post, upload, or distribute any User Content or other content that is unlawful, defamatory, libelous, inaccurate, or that a reasonable person could deem to be objectionable, profane, indecent, pornographic, harassing, threatening, embarrassing, hateful, or otherwise inappropriate as determined by us;
3.4 interfere with security-related features of the Service, including without limitation by
        (i)disabling or circumventing features that prevent or limit use or copying of any content, or
        (ii) reverse engineering or otherwise attempting to discover the source code of the Service or any part thereof except to the extent that such activity is expressly permitted by applicable law;
3.5 interfere with the operation of the Service or any user’s enjoyment of the Service, including without limitation by
        (i) uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code;
        (ii) making unsolicited offers or advertisements to other users of the Service;
        (iii) attempting to collect, personal information about users or third parties without their consent; or
        (iv) interfering with or disrupting any networks, equipment, or servers connected to or used to provide the Service, or violating the regulations, policies, or procedures of such networks, equipment, or servers;
3.6 perform any fraudulent activity including impersonating any person or entity, claiming false affiliations, accessing the Service accounts of others without permission, or falsifying your age or date of birth;
3.7 sell or otherwise transfer the access granted herein or any Materials (as defined in Section 11 below) or any right or ability to view, access, or use any Materials; or
3.8 provide Financial Information to us which you do not have the authority to provide.
3.9 attempt to do any of the foregoing in this Section, or assist or permit any persons in engaging or attempting to engage in any of the activities described in this Section.

Third-Party Services and Offers; Linked Websites.
We may provide tools through the Service that enable you to export information, including User Content, to third party services, including through features that allow you to link your account with us, with an account on a third party service, such as Twitter or Facebook, or through our implementation of third party buttons (such as “like” or “share” buttons). By using these tools, you agree that we may transfer such information to the applicable third-party service. Such third party services are not under our control, and we are not responsible for their use of your exported information. The Service may also contain links to third-party websites. Such linked websites are not under our control, and we are not responsible for their content.

4. Privacy Policy; Additional Terms
4.1 Privacy Policy. Please read the Clinc, Inc. Privacy Policy carefully at www.clinc.com/privacy-and-security for information relating to our collection, use, storage and disclosure of your information. The Clinc, Inc. Privacy Policy is hereby incorporated by reference into, and made a part of, these Terms.

4.2 Additional Terms. Your use of the Service is subject to any and all additional terms, policies, rules, or guidelines applicable to the Service or certain features of the Service that we may post on or link to on the Service (the "Additional Terms"), such as end-user license agreements for any downloadable applications that we may offer, or rules applicable to particular features or content on the Service or additional services which subject to Section 5 below. All such Additional Terms are hereby incorporated by reference into, and made a part of, these Terms.

5. Changes to the Terms
We reserve the right, at our discretion, to change these Terms on a going-forward basis at any time. Please check these Terms periodically for changes. In the event that a change to these Terms materially modifies your rights or obligations, we will make reasonable efforts to notify you of such change. We may provide notice through a pop-up or banner within the Service, by sending an email to any address you may have used to register for an account, or through other mechanisms. Additionally, if the changed Terms materially modify your rights or obligations, we may require you to provide consent by accepting the changed Terms. If we require your acceptance of the changed Terms, changes are effective only after your acceptance. If you do not accept the changed Terms, we may terminate your access to and use of the Service. All other changes are effective upon publication of the changed Terms. Disputes arising under these Terms will be resolved in accordance with the Terms in effect that the time the dispute arose.

6. Ownership; Proprietary Rights; Feedback
6.1 The Service is owned and operated by Clinc, Inc. The visual interfaces, graphics, design, compilation, information, data, computer code (including source code or object code), products, software, services, and all other elements of the Service (the “Materials”) provided by us are protected by all relevant intellectual property and proprietary rights and applicable laws. All Materials contained in the Service are the property of us or our third-party licensors. Except as expressly authorized by us you may not make use of the Materials. We reserve all rights to the Materials not granted expressly in these Terms.

6.2 You may provide us with, or we may solicit your feedback, ideas, or suggestions with respect to the Services, and you hereby grant us a perpetual, worldwide, fully transferable, sublicenseable, full-paid up, irrevocable, royalty free license to use such feedback in future modifications of the Service, other products or services, or marketing or materials. We will not, however, disclose such feedback in a way that would identify you, without obtaining your permission.

7. Indemnity
You agree that you will be responsible for your use of the Service, and you agree to defend, indemnify, and hold harmless Clinc, Inc. and its officers, directors, employees, consultants, affiliates, subsidiaries and agents (collectively, the "Clinc Financial Entities") from and against any and all claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees and costs, arising out of or in any way connected with
        (i) your access to, use of, or alleged use of the Service;
        (ii) your violation of these Terms or any representation, warranty, or agreements referenced herein, or any applicable law or regulation;
        (iii) your violation of any third-party right, including without limitation any intellectual property right, publicity, confidentiality, property or privacy right; or
        (iv) any disputes or issues between you and any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you (and without limiting your indemnification obligations with respect to such matter), and in such case, you agree to cooperate with our defense of such claim.

8. Disclaimers; No Warranties
The service and all materials and content available through the service are provided "as is" and on an "as available" basis, without warranty or condition of any kind, either express or implied. The clinc financial entities specifically (but without limitation) disclaim all warranties of any kind, whether express or implied, relating to the service and all materials and content available through the service, including but not limited to
        (i) any implied warranties of merchantability, fitness for a particular purpose, title, quiet enjoyment, or non-infringement; and
        (ii) any warranties arising out of course of dealing, usage, or trade. the clinc financial entities do not warrant that the service or any part thereof, or any materials or content offered through the service, will be uninterrupted, secure, accurate or free of errors, viruses, or other harmful components, and do not warrant that any of the foregoing will be corrected.
No advice or information, whether oral or written, obtained by you from the service or any materials or content available on or through the service will create any warranty regarding any of the clinc financial entities or the service that is not expressly stated in these terms.
We do not endorse, warrant or guarantee the products or services of any offers which may be made available to you through the services, and we are not an agent or broker of such offer providers. we do not guarantee that any loan, investment, plan or other terms offered by any third party are actually the terms that may be offered to you or are the best terms available.

All financial information we receive from third parties or you is not verified for accuracy by us.
You assume all risk for all damages that may result from your use of or access to the service, your dealings with other service users, and any materials or content available through the service. You understand and agree that you use the service and use, access, download, or otherwise obtain materials or content through the service and any associated sites or services at your own discretion and risk, and you will be solely responsible for any damage to your property (including your computer system used in connection with the service) or loss of data that results from the use of the service or the download or use of such materials or content. Some jurisdictions may prohibit a disclaimer of warranties and you may have other rights that vary from jurisdiction to jurisdiction.

9. Limitation of Liability
In no event will the clinc financial entities be liable to you for any indirect, incidental, special, consequential or punitive damages (including, without limitation, damages for loss of profits, goodwill, use, data, or other intangible losses) arising out of or relating to your access to or use of, or your inability to access or use, the service or any materials or content on the service, whether based on warranty, contract, tort (including negligence), statute or any other legal theory, whether or not the clinc financial entities have been informed of the possibility of such damage. You agree that the aggregate liability of the clinc financial entities to you for any and all claims arising out of relating to the use of or any inability to use the service (including any materials or content available through the service) or otherwise under these terms, each provision of these terms that provides for a limitation of liability, disclaimer of warranties, or exclusion of damages is to allocate the risks under these terms between the parties. This allocation is an essential element of the basis of the bargain between the parties. Each of these provisions is severable and independent of all other provisions of these terms.

10. General
These Terms, together with the Privacy Policy and any other agreements expressly incorporated by reference herein, constitute the entire and exclusive understanding and agreement between you and Clinc, Inc., regarding your use of and access to the Service, and except as expressly permitted above may be amended only by a written agreement signed by authorized representatives of all parties to these Terms. You may not assign or transfer these Terms or your rights hereunder, in whole or in part, by operation of law or otherwise, without our prior written consent. We may assign these Terms at any time without notice. The failure to require performance of any provision will not affect our right to require performance at any time thereafter, nor shall a waiver of any breach or default of these Terms or any provision of these Terms constitute a waiver of any subsequent breach or default or a waiver of the provision itself. Use of section headers in these Terms is for convenience only and shall not have any impact on the interpretation of particular provisions. In the event that any part of these Terms is held to be invalid or unenforceable, the unenforceable part shall be given effect to the greatest extent possible and the remaining parts will remain in full force and effect. Upon termination of these Terms, any provision that by its nature or express terms should survive will survive such termination or expiration.

11. Contact. Please contact us with any questions or comments about this Privacy Policy, your personally identifiable information, our use and disclosure practices, or your consent choices by e-mail at

clinc@clinc.com
Clinc, Inc
201 S Main St
Ann Arbor, MI 48104
424 Clay St
San Francisco, CA 94111