Terms and Conditions
Updated February 2022
finEQUITY.org, a New York headquartered nonprofit (“finEQUITY.org”) provides this website (the “Website”), any information, text, data, articles, design, source code, software, photos, images, graphics, logos or other materials appearing on the Website (the “Content”), and any programs and services provided through finEQUITY.org or the Website (the “Services”), to you subject to following terms and conditions (these “Terms of Use”). Your access to and use of the Website, Content, and/or Services are expressly conditioned on your compliance with these Terms of Use. By accessing, browsing and/or using the Website, Content, or Services, you acknowledge that you have read, understand and agree to be bound by these Terms of Use and finEQUITY.org’s Privacy Policy, which is accessible at www.finEQUITY.org.org/privacy-policy/ and which is hereby incorporated into and made part of these Terms of Use. If you do not agree with any of the above, you may not access, browse or use the Website, Content, or Services. If you have any questions about these Terms of Use, please contact finEQUITY.org at hello+terms@finEQUITY.org.
MODIFICATIONS
You acknowledge and agree that finEQUITY.org may revise these Terms of Use from time to time without notice to you. You understand and agree that your access to or use of the Website, Content, or Services is governed by the Terms of Use effective at the time of your access to or use of the Website, Content, or Services. finEQUITY.org may terminate, suspend, or restrict access to all or any part of the Website, Content, or Services without notice or liability. You should periodically review the Website for the most up-to-date version of these Terms of Use.
PRIVACY POLICY
Please review finEQUITY.org’s Privacy Policy, which is accessible at https://www.finequity.org/privacy-policy, for information concerning how finEQUITY.org’s uses and protects the personal information that you may provide through the Website.
COPYRIGHTED MATERIAL
All right, title, and interest in and to the Website, Content, and Services are the sole and exclusive property of finEQUITY.org and its licensors. The Website, Content, and Services are protected by copyright, trademark, and other proprietary or intellectual property rights and laws of both the United States and other countries. Except as expressly permitted in these Terms of Use, you may not copy, reproduce, modify or prepare derivative works based upon, distribute, republish, display, sell, transfer, post, publicly display, publicly perform, transmit, or otherwise use the Website, Content, or Services in any form or by any means, including without limitation electronic, mechanical, photocopy, record or otherwise, without finEQUITY.org’s express written consent. You may not copy or modify the HTML code used to generate web pages on the Website. You may not use the Website, Content, or Services on or in connection with any other website, for any purpose, including without limitation linking, framing, or in any network computer environment, without finEQUITY.org’s express written consent. You also may not, without finEQUITY.org’s express written consent, archive, cache, or mirror all or any portion of the web pages on the Website.
TRADEMARKS
You acknowledge and agree that all of finEQUITY.org’s trademarks, trade names, service marks, logos, brand features, and product and service names are the sole and exclusive property of finEQUITY.org. You may not use the finEQUITY.org marks for any purpose including, without limitation, for advertising or promotion, in any public medium, to imply any endorsement by or relationship with finEQUITY.org without our consent..
ACCEPTABLE USE
You may access and use the Website, Content and Services solely for your personal, non-commercial benefit. You agree not to use the Website, Content, and Services except as specifically provided for in these Terms of Use or otherwise approved in writing by finEQUITY.org. You agree to use the Website, Content and Services only for lawful purposes. You are prohibited from any use of the Website, Content or Services that would constitute a violation of any applicable law, regulation, rule or ordinance or that could give rise to any civil or criminal liability. Without limitation, you agree not to do any of the following while using the Website, Content or Services:
Use any language, or post, upload, transmit, send or otherwise make available any content that: (1) is false or misleading; (2) is defamatory; (3) constitutes an invasion of privacy; (4) is obscene, pornographic, or offensive; (5) promotes bigotry, racism, hatred or harm against any individual or group; (6) infringes another’s rights, including any intellectual property rights; or (7) violates, or encourages any conduct that would violate, any applicable law or regulation or would give rise to civil or criminal liability;
Attempt to probe, scan, or test the vulnerability of any system or network or breach any security or authentication measures;
Post, upload, transmit, send or otherwise make available through the Website any content that constitutes , junk mail, “spam”, or chain letters, phishing, advertising, and/or commercial offers;
Copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, rent, lease, loan, sublicense, grant a security interest in, or otherwise transfer any right in any of the software used to provide the Website, Content, or Services;
Interfere with, or attempt to interfere with, the access of any user, host or network, including, without limitation, by sending a virus, overloading, flooding, spamming, or mail-bombing the Website;
Impersonate or misrepresent yourself or your affiliation with any person or entity;
Harass, abuse, or harm another person in any way in connection with the Website, Content or Services;
Prevent or exclude others, from accessing or using the Website, Content or Services; or
Violate any provision of these Terms of Use.
finEQUITY.org may, but is not obligated to, monitor activity on the Website to ensure your compliance with these Terms of Use, or to comply with applicable law or the order or requirement of a court, administrative agency or other governmental body. You hereby specifically agree to such monitoring. finEQUITY.org reserves the right to remove or refuse to post or distribute any third party content, and to restrict, suspend or terminate the access or use of the Website, Content or Services of any user without notice and with no liability to finEQUITY.org whatsoever.
REPRESENTATION OF USERS; PASSWORDS AND SECURITY
Certain Services require registration for an account in order to fully use the Website and the Content. Such users must be United States Residents that are 18 years of age or older. Persons under the age of 18 are not eligible to participate in such Services. If you are under the age of 18, you may only participate in the Services under the supervision of a parent or legal guardian who agrees to be bound by these Terms of Use. By accessing and using such Services, you represent and warrant that: (1) you are at least 18 years of age or are accessing or using the Services under the supervision of a parent or legal guardian who agrees to be bound by these Terms of Use; (2) you are eligible to register and participate in such Services, (3) all information that you submit to finEQUITY.org in connection with the Services is true and correct; and (4) you will not use the Website, Content, or Services, directly or indirectly, for any fraudulent undertaking, illegal activity, or in any manner that is inconsistent with these Terms of Use or that would impair the rights of finEQUITY.org.
You may be asked to select a personal, non-transferable password when you create an account. When you register for an account, you agree to submit accurate and complete information and to update such information as required from time to time. If you submit a request for a lost or forgotten username or password, you may be asked to provide information that finEQUITY.org will use to confirm your identity. You are solely responsible for all activities or actions that occur in connection with your password-protected account. You are responsible for maintaining the confidentiality of your account password and agree not to disclose your password to any third party. You agree to notify finEQUITY.org immediately of any unauthorized use of your password or account or any other breach of security that is known or suspected by you. You agree that finEQUITY.org may send to you in electronic form any notices or other communications regarding the Website, Content, and Services and such electronic form will satisfy any legal requirements with respect to communications or notice.
CONSENT TO DO BUSINESS ELECTRONICALLY
Because finEQUITY.org operates on the Internet, it is necessary for you to consent to transact business with finEQUITY.org online and electronically. As part of doing business with us, therefore, finEQUITY.org also needs you to consent to our giving you certain disclosures electronically, either via the Website or to the email address you provide to finEQUITY.org during registration for the Services. By entering into this Terms of Use, you consent to receive electronically all documents, communications, notices, contracts, and agreements arising from or relating in any way to your or our rights, obligations or services under this Terms of Use (each, a “Disclosure”). The decision to do business with finEQUITY.org electronically is yours. This document informs you of your rights concerning Disclosures.
Electronic Communications: Any Disclosures will be provided to you electronically through finEQUITY.org either on our Website or via electronic mail to the verified email address you provided during registration for the Services. If you require paper copies of such Disclosures, you may write to finEQUITY.org at the mailing address provided below and a paper copy will be sent to you.
Scope of Consent: Your consent to receive Disclosures and transact business electronically, and our agreement to do so, applies to any transactions to which such Disclosures relate.
hardware and software requirements. In order to access and retain Disclosures electronically, you must satisfy the following computer hardware and software requirements: access to the Internet; an email account and related software capable of receiving email through the Internet; a web browser which is SSL-compliant and supports secure sessions, or the equivalent software; and hardware capable of running this software.
withdrawing consent. You may withdraw your consent to receive Disclosures electronically by contacting finEQUITY.org at the address below.
How to contact finEQUITY.org regarding electronic disclosures: You can contact finEQUITY.org via email at hello+terms@finEQUITY.org. You may also reach finEQUITY.org in writing at the following address: finEQUITY.org ,41 Schermerhorn Street, Suite 10002, Brooklyn, NY 11201.
SMS Notifications Terms. finEQUITY.org may communicate with you, with your prior consent, through text message to inform you about your participation in our programs, or to notify you about programs or services that might be of interest for you. You can cancel the SMS service at any time. Just text “STOP” to the short code, or email us at hello+terms@finEQUITY.org. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again. If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at hello+terms@finEQUITY.org. Carriers are not liable for delayed or undelivered messages. As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive up to 5-30 messages per month depending on what program you have enrolled in. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
You will keep finEQUITY.org informed of any change in your email or home mailing address so that you can continue to receive all Disclosures in a timely fashion. If your registered email address changes, you must notify finEQUITY.org of the change by sending an email to hello+terms@finEQUITY.org.
RESTRICTIONS
You may not use the Site or App in any manner that violates applicable law. Without our prior consent, you may not use the Site or App in any manner that violates these Terms of Service, or that could or is intended to damage, disable, overburden, or impair the Site or App or interfere with any other party‘s use and enjoyment of the Site or App. We may terminate, disable or throttle your access to, or use of, the Site or App any time without notice for any reason, with or without cause in our sole discretion. You may not use any automated means to access the Site or App or collect any information from the Site or App; frame the Site, utilize framing techniques to enclose any Content or other proprietary information, place pop-up windows over the Content, or otherwise affect the display of the Content, engage in the practices of “screen scraping,” “database scraping” or any other activity with the purpose of obtaining content or other information from the Site or App. If you are blocked by us from accessing the Site or App (including by blocking your IP address), you agree not to implement any measures to circumvent such blocking (e.g., by masking your IP address or using a proxy IP address).
FEES
In no event will you be charged for access to finEQUITY.org’ services unless finEQUITY.org obtains your prior agreement to pay such fees. If you do not consent to the payment of such fees, however, you may not have access to paid content or paid services. Details regarding the services you will receive in exchange for the payment of fees, as well as any payment terms and conditions that apply, will be disclosed to you prior to your agreement to pay such fees. All such terms will be deemed to be a part of (and are hereby incorporated by reference into) these Terms.
TERMINATION
If you violate any of these Terms of Use, your permission to use the Website, Content, and Services will automatically terminate. finEQUITY.org reserves the right to revoke your access to and use of the Website, Content, and Services at any time, without cause. finEQUITY.org also reserves the right to cease providing or to change the Website, Content, or Services at any time and without notice.
WARRANTY DISCLAIMER
THE WEBSITE, CONTENT, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FINEQUITY.ORG EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, TITLE, QUIET ENJOYMENT, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM FINEQUITY.ORG OR THROUGH THE WEBSITE, CONTENT, OR SERVICES WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, finEQUITY.org MAKES NO WARRANTY THAT THE WEBSITE, CONTENT, OR SERVICES WILL MEET YOUR REQUIREMENTS, BE ACCURATE, COMPLETE, CURRENT OR TIMELY, UNINTERRUPTED, SECURE, OR ERROR-FREE. FINEQUITY.ORG DOES NOT WARRANT THAT THE WEBSITE, CONTENT, AND SERVICES ARE FREE OF DEFECTS, VIRUSES, MALFUNCTIONS, OR HARMFUL COMPONENTS THAT COULD DAMAGE OR ALLOW UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FINEQUITY.ORG IS NOT RESPONSIBLE FOR ANY LOSS OR DAMAGE CAUSED OR ALLEGED TO HAVE BEEN CAUSED, DIRECTLY OR INDIRECTLY, BY THE INFORMATION OR IDEAS CONTAINED, SUGGESTED OR REFERENCED AT OR THROUGH THE WEBSITE, CONTENT, AND SERVICES OR BY YOUR RELIANCE ON SUCH INFORMATION OR IDEAS.
LIMITATION OF LIABILITY
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEITHER FINEQUITY.ORG NOR ITS AFFILIATES OR ITS OR THEIR RESPECTIVE OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, OR REPRESENTATIVES (OR THEIR RESPECTIVE SUCCESSORS AND ASSIGNS) SHALL BE LIABLE IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES RESULTING FROM THE WEBSITE, CONTENT, AND SERVICES OR THE USE, ATTEMPTED USE OR INABILITY TO USE THE WEBSITE, CONTENT, AND SERVICES, INCLUDING LOST REVENUE, LOST DATA, DAMAGED DEVICES OR OTHER INTANGIBLES, EVEN IF finEQUITY.org HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN ANY EVENT, YOU AGREE THAT FINEQUITY.ORG’S TOTAL LIABILITY FOR DAMAGES, REGARDLESS OF THE FORM OF ACTION, SHALL NOT EXCEED THE ACTUAL TOTAL AMOUNT, IF ANY, RECEIVED BY FINEQUITY.ORG FROM YOU TO ACCESS THE WEBSITE, CONTENT, AND SERVICES OR, IF GREATER, $100. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
LINKS TO THIRD PARTY WEBSITES
The Website may contain links to third-party websites or resources. You acknowledge and agree that finEQUITY.org is not responsible or liable for: (1) the availability or accuracy of such websites or resources; or (2) the content, information, products, or services on or available from such websites or resources. Links to such third-party websites or resources do not imply any endorsement by finEQUITY.org of such websites or resources or the content, products, or services available from such websites or resources. You acknowledge and agree that your access and use of such third party websites and resources is your sole responsibility and you assume all risk arising from your access and use of any such websites or resources.
SEVERABILITY
If any of these terms or conditions shall be deemed invalid, void, or for any reason unenforceable, that term or condition shall be deemed severable and shall not affect the validity and enforceability of any remaining terms and conditions.
WAIVER
The failure of finEQUITY.org to enforce any right or provision of these Terms of Use will not be deemed a waiver of such right or provision.
GOVERNING LAW; ARBITRATION
These Terms of Use are governed by the laws of the State of New York, without regard to its choice of law or conflict of law provisions.
Any controversies, claims, counterclaims or other disputes arising between you and finEQUITY.org relating to these Terms of Use or the Website, Content, and Services (each a “Claim”) shall be exclusively resolved by final and binding arbitration in New York, New York. The arbitration will be heard and determined by a single arbitrator and submitted for binding arbitration in accordance with the Rules of the American Arbitration Association (“AAA Rules”). The arbitration provided for herein shall be in lieu of any civil action, and any decision resulting from such arbitration will be final and binding upon the parties and may be enforced in any court of competent jurisdiction. The parties agree that the arbitration will be kept confidential and that the existence of the proceeding and any element of it (including, without limitation, any pleadings, briefs or other documents submitted or exchanged and any testimony or other oral submissions and awards) will not be disclosed beyond the arbitration proceedings, except as may lawfully be required in judicial proceedings relating to the arbitration or by applicable disclosure rules and regulations of securities regulatory authorities or other governmental agencies.
The cost of each arbitration proceeding, including without limitation the arbitrator’s compensation and expenses, meeting room charges, court reporter transcript charges, and similar expenses, shall be borne by the party whom the arbitrator determines has not prevailed in such proceeding, or borne equally by the parties if the arbitrator determines that neither party has prevailed.
Notwithstanding anything in these Terms of Use to the contrary, a party may, at any time, seek a temporary restraining order or a preliminary injunction from any court of competent jurisdiction in the County of New York, New York, in order to prevent immediate and irreparable injury, loss, or damage on a provisional basis, pending the decision of the arbitrator on the ultimate merits of any Claim.
Neither you nor finEQUITY.org may act as a class representative or private attorney general, nor participate as a member of a class of claimants, with respect to any Claim. Claims may not be arbitrated on a class or representative basis. The arbitrator can decide only your and/or our individual Claims. The arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated.
THESE TERMS OF USE PROVIDE THAT ALL CLAIMS BETWEEN YOU AND finEQUITY.org WILL BE RESOLVED BY BINDING ARBITRATION. YOU THUS GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY.
Should a Claim arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and us, the parties agree that jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in the County of New York, New York.
INDEMNITY
You agree to indemnify, hold harmless, and release finEQUITY.org, its subsidiaries, and its and their respective officers, directors, members, employees, agents, representatives (and their respective successors and assigns) from and against any and all claims, damages, costs, and expenses, including, but not limited to, reasonable attorney’s fees, arising from or related to: (i) your access, use, attempted use, inability to use or misuse of the Website, Content or Services; (ii) your violation of any terms of these Terms of Use; (iii) your violation of any third party right, including without limitation any copyright, property or privacy right; or (iv) any claim that your use of the Website, Content or Services caused damage to a third party.
AGREEMENT
These Terms of Use are the entire and exclusive agreement between finEQUITY.org and you with respect to the Website and the Content. These Terms of Use shall be subject to any other agreements you have entered into with finEQUITY.org that govern your participation in our services.