Terms and Conditions

These Terms of Service constitute a legally binding agreement between you (including individual affiliated with you that has been authorized to use the Services on your behalf) and Credit Pulse Technologies, Inc. (together with its affiliates, “Credit Pulse”, “we,” “our” or “us”) governing your use of our products, services, and website (the “Site” and collectively with the foregoing, the “Services”).

YOU ACKNOWLEDGE AND AGREE THAT, BY CLICKING ON THE “I AGREE” OR SIMILAR BUTTON, REGISTERING FOR AN ACCOUNT, OR ACCESSING OR USING THE SERVICES, YOU ARE INDICATING THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE, WHETHER OR NOT YOU HAVE REGISTERED WITH THE SITE. IF YOU DO NOT AGREE TO THESE TERMS OF SERVICE, THEN YOU HAVE NO RIGHT TO ACCESS OR USE THE SERVICES.

These Terms of Service are effective as of the date you first click “I agree” (or similar button or checkbox) or use or access the Services, whichever is earlier. If you accept or agree to these Terms of Service on behalf of your employer or another legal entity, you represent and warrant that: (i) you have full legal authority to bind your employer or such entity to these Terms of Services; (ii) you have read and understand these Terms of Service; and (iii) you agree to these Terms of Service on behalf of the party that you represent. In such event, “you” and “your” will refer and apply to your employer or such other legal entity.Any personal data you submit to us or which we collect about you is governed by our Privacy Policy (“Privacy Policy”), available at https://www.CreditPulse.com/privacy. You acknowledge that by using the Services, you have reviewed the Privacy Policy. The Privacy Policy is incorporated by reference into these Terms of Service and together form and are hereinafter referred to as this “Agreement.”

PLEASE NOTE: THIS AGREEMENT GOVERNS HOW DISPUTES BETWEEN YOU AND Credit Pulse CAN BE RESOLVED. IT CONTAINS A BINDING AND FINAL ARBITRATION PROVISION AND CLASS ACTION WAIVER (SECTION 15). PLEASE READ CAREFULLY AS IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING, IF APPLICABLE, YOUR RIGHT TO OPT OUT OF ARBITRATION.

‍1. Our Services 
‍We develop, maintain, and provide various risk management tools (the “Services”) that help paying users of our Services (“Suppliers”) and their customers (“Customers”) build and manage their credit relationships. For the avoidance of doubt, a user of the Services may be categorized as both a Customer and a Supplier, as applicable. Any Supplier’s use of the Services is subject to a valid subscription, pursuant to the terms of the online registration page or a separate agreement or purchase order (each an “Purchase Order”), or subject to certain free evaluation terms that Credit Pulse may make available from time to time. We may make the Services or any part of it available to a Supplier on an evaluation basis until the earlier of: (i) the end of the applicable evaluation period pursuant to the Purchase Order; (ii) Supplier’s purchase of a Services subscription; or (iii) any termination of the evaluation by us for any reason, or for no reason at all, by sending Supplier a termination notice with immediate effect.

‍2. Account, Password, Security, and Mobile Phone Use 
‍You, and each individual affiliated with you that has been authorized to use the Services on your behalf, must register with Credit Pulse and create an account to use the Services (an “Account”) and as part of that process you will be requested to provide certain information, including without limitation your name, full address, phone number, and email address. By using the Services, you agree to provide true, accurate, current, and complete information as prompted by the registration process and to maintain and promptly update the Account information to keep it accurate, current, and complete. You are the sole authorized user of your Account. You are responsible for maintaining the confidentiality of any log-in, password, and Account number provided by you or given to you by Credit Pulse for accessing the Services. You are solely and fully responsible for all activities that occur under your password or Account, even if not authorized by you. Credit Pulse has no control over the use of any user’s Account and expressly disclaims any liability derived therefrom. Should you suspect that any unauthorized party may be using your password or Account or you suspect any other breach of security, you agree to contact Credit Pulse immediately.The person signing up for the Services will be the contracting party (“Account Owner”) for the purposes of these Terms of Service and will be the person who is authorized to use any corresponding Account we provide to the Account Owner in connection with the Services; provided, however, that if you are signing up for the Services on behalf of your employer, your employer shall be the Account Owner. As the Account Owner, you are solely responsible for complying with these Terms of Service and only you are entitled to all benefits accruing thereto. Your Account is not transferable to any other person or account. You must immediately notify us of any unauthorized use of your password or identification or any other breach or threatened breach of our security or the security of your Account.

‍3. Billing and Payment 
‍All prices and fees displayed on the Services are exclusive of applicable federal, provincial, state, local or other governmental sales, goods and services or other taxes, fees or charges now in force or enacted in the future (“Taxes”). Any applicable Taxes are based on the rates applicable to the billing address Supplier provides to us, and will be calculated at the time of a transaction is charged to your Account. Unless otherwise indicated, all prices, fees and other charges are in U.S. dollars, and all payments shall be in U.S. currency.

‍4. User Generated Content 
‍Credit Pulse optionally enables users to contribute content, such as credit approvals, notes and trade reference contributions to other businesses, which may be utilized by you and others to inform underwriting decisions or other business purposes. “User Generated Content” is defined as any content, information, and materials that may be textual, audio, or visual that you provide, submit, upload, publish, or make otherwise available to the Services and our users.You agree that you are solely responsible for the User Generated Content sent or transmitted by you or displayed or uploaded by you in using the Services and for compliance with all laws applicable to the User Generated Content, including, but not limited to, any laws requiring you to obtain the consent of a third party to use the User Generated Content and to provide appropriate notices of third party rights. You represent and warrant that you have the right to upload the User Generated Content to the Services and that such use does not violate or infringe on any rights of any third party. Under no circumstances will Credit Pulse be liable in any way for any: (i) User Generated Content that is transmitted or viewed while using the Services; (ii) errors or omissions in the User Generated Content; or (iii) any loss or damage of any kind incurred as a result of the use of, access to, or denial of access to User Generated Content. Although Credit Pulse is not responsible for any User Generated Content, Credit Pulse reserves the right to delete any User Generated Content, at any time without notice to you, if Credit Pulse becomes aware that it violates any provision of this Agreement or any law. You retain copyright and any other rights you already hold in User Generated Content.Credit Pulse acts merely as a passive conduit for your online distribution and publication of your User Content.

You acknowledge and agree that Credit Pulse:
●  Is not involved in the creation or development of User Generated Content. 
●  Disclaims any responsibility for User Generated Content. 
●  Cannot be liable for claims arising out of or relating to User Generated Content. 
●  Is not obligated to monitor, review, or remove User Generated Content, but reserves the right to limit or remove User Generated Content on the Services at its sole discretion.You hereby represent and warrant to Credit Pulse that your User Generated Content: (i) will not be false, inaccurate, incomplete, or misleading; (ii) will not infringe on any third party’s copyright, patent, trademark, trade secret, or other proprietary right or rights of publicity, personality or privacy; (iii) will not violate any law, statute, ordinance, or regulation (including without limitation those governing export control, consumer protection, unfair competition, anti-discrimination, false advertising, anti-spam or privacy); (iv) will not be defamatory, libelous, unlawfully threatening, or unlawfully harassing; (v) will not be obscene or contain pornography (including but not limited to child pornography) or be harmful to minors; (vi) will not be fraudulent, false, or misleading; will not be defamatory, harassing, threatening, or abusive, which includes any activity that reflects hatred against others based on race, religion, ethnicity, national origin, gender, or sexual orientation; (vii) will not send unauthorized messages, advertising, or spam, including unsolicited promotional or commercial content or other mass solicitation materials; (viii) will not misrepresent your identity or affiliation with any entity or organization or impersonate any other person; (ix) will not harvest, collect, or gather user data without consents; (x) will not contain any viruses, Trojan Horses, worms, time bombs, cancelbots or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information; (xi) will not represent you being employed or directly engaged by or affiliated with Credit Pulse or purport you to act as a representative or agent of Credit Pulse; and (xii) will not create liability for Credit Pulse or cause Credit Pulse to lose (in whole or in part) the services of its ISPs or other suppliers.By making available any User Generated Content through the Services, you hereby grant to Credit Pulse a worldwide, irrevocable, perpetual, non-exclusive, transferable, royalty-free license, with the right to sublicense, to use, access, view, copy, adapt, modify, distribute, license, sell, transfer, publicly display, publicly perform, transmit, stream, broadcast and otherwise exploit such User Generated Content on, through or by means of the Services. We do not claim any ownership rights in any such User Generated Content and nothing in this Agreement will be deemed to restrict any rights that you may have to use and exploit any such User Generated Content.

‍5.  Representations and Warranties 
‍You represent and warrant that: (i) you are 18 years of age or older or are at least of the legally required age in the jurisdiction in which you reside, and are otherwise capable of entering into binding contracts; and (ii) you have the right, authority and capacity to enter into this Agreement and to abide by the terms and conditions of this Agreement, and that you will so abide. Where you enter into this Agreement on behalf of a company or other organization, you represent and warrant that you have authority to act on behalf of that entity and to bind that entity to this Agreement.You further represent and warrant that: (i) you have read, understand, and agree to be bound by these Terms of Service and the Privacy Policy in order to access and use the Services; (ii) you will act professionally and responsibly in your interactions with other users; and (iii) when using or accessing the Services, you will act in accordance with any applicable local, state, or federal law or custom and in good faith.You agree not to engage in any of the following prohibited activities, among others: (i) copying, distributing, or disclosing any part of the Services in any medium other than as allowed by the Services and these Terms of Service; (ii) using any automated system (other than any functionalities of the Services), including without limitation “robots,” “spiders,” “offline readers,” etc., to access the Services; (iii) transmitting spam, chain letters, or other unsolicited email or attempting to phish, pharm, pretext, spider, crawl, or scrape; (iv) attempting to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the Services; (v) violating any international, federal, provincial or state regulations, rules, laws, or local ordinances; (vi) conducting any unlawful purposes or soliciting others to perform or participate in any unlawful acts; (vii) uploading invalid data, viruses, worms, or other software agents through the Services; (viii) infringing upon or violate our intellectual property rights or the intellectual property rights of others; (ix) impersonating another person or otherwise misrepresenting your affiliation with a person or entity, conducting fraud, hiding or attempting to hide your identity; (x) harassing, insulting, harming, abusing, defaming, abusing, harassing, stalking, threatening, intimidating or otherwise violating the legal rights (such as of privacy and publicity) of any other users or visitors of the Services or staff member of Credit Pulse; (xi) interfering with or any activity that threatens the performance, security or proper functioning of the Services; (xii) uploading or transmitting viruses or any other type of malicious code;(xiii) attempting to decipher, decompile, disassemble or reverse engineer any of the software or algorithms used to provide the Services; (xiv) bypassing the security features or measures we may use to prevent or restrict access to the Services, including without limitation features that prevent or restrict use or copying of any content or enforce limitations on use of the Services or the content therein; (xv) attempting to access unauthorized Accounts or to collect or track the personal information of others; (xvi) using the Services for any purpose or in any manner that infringes the rights of any third party; (xvii) using the Services for purposes other than the intended purposes of business credit risk management; or (xviii) encouraging or enabling any other individual to do any of the foregoing.You hereby warrant and represent that, other than as fully and promptly disclosed to Credit Pulse as set forth below, you do not have any motivation, status, or interest which Credit Pulse may reasonably wish to know about in connection with the Services, including without limitation, if you are using or will or intend to use the Services for any journalistic, investigative, or unlawful purpose. You hereby warrant and represent that you will promptly disclose to Credit Pulse in writing any such motivation, status or interest, whether existing prior to registration or as arises during your use of the Services.You may not access or use the Services in order to compete directly or indirectly with Credit Pulse, or for monitoring the Service’s availability, performance, functionality, or for any other benchmarking or competitive purposes.

‍6.  Termination and Suspension 
‍Unless otherwise agreed to in writing between you and Credit Pulse (including via a Purchase Order), either party may terminate these Terms of Service for any or no cause, at any time. You may cancel and delete your Account at any time by either using the features on the Services to do so (if applicable and available) or by written notice to support@CreditPulse.com. After cancellation, you will no longer have access to your Account, your profile or any other information through the Services. The provisions of these Terms of Service which by their intent or meaning intended to survive such termination, including without limitation the provisions relating to disclaimer of warranties, limitations of liability, and indemnification, shall survive the any termination of these Terms of Service and any termination of your use of or subscription to the Services and shall continue to apply indefinitely.We reserve the right to refuse the Services to anyone for any reason at any time. Credit Pulse may terminate or limit your right to use the Services in the event that we are investigating or believe that you have breached any provision of this Agreement, by providing you with written or email notice. Such termination or limitation will be effective immediately upon delivery of such notice. If Credit Pulse terminates or limits your right to use the Services pursuant to this section, you are prohibited from registering and creating a new Account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party.Even after your right to use the Services is terminated or limited, this Agreement will remain enforceable against you. Credit Pulse reserves the right to take appropriate legal action, including but not limited to pursuing arbitration in accordance with Section 15 of these Terms of Service.Credit Pulse reserves the right to modify or discontinue, temporarily or permanently, all or any portion of the Services at its sole discretion. Credit Pulse is not liable to you for any modification or discontinuance of all or any portion of the Services. Credit Pulse has the right to restrict anyone from completing registration as a user if Credit Pulse believes such person may threaten the safety and integrity of the Services, or if, in Credit Pulse’s discretion, such restriction is necessary to address any other reasonable business concern.Following the termination or cancellation of your Account (as defined below), we reserve the right to delete all your data, including any User Generated Content, in the normal course of operation. Your data cannot be recovered once your Account is terminated or cancelled.

‍7. Links to Third-Party Websites 
‍The Services may contain links (such as hyperlinks) to third-party websites. Such links do not constitute endorsement by Credit Pulse or association with those websites, their content or their operators. Such links (including without limitation external websites that are framed by the Services as well as any advertisements displayed in connection therewith) are provided as an information service, for reference and convenience only. Credit Pulse does not control any such websites, and is not responsible for their: (i) availability or accuracy; or (ii) content, advertising, products, or services. It is your responsibility to evaluate the content and usefulness of the information obtained from other websites. You acknowledge and agree that Credit Pulse is not involved in the creation or development of third-party websites and disclaims any responsibility for third- party websites, and cannot be liable for claims arising out of or relating to third-party websites. Further, you acknowledge and agree that Credit Pulse has no obligation to monitor, review, or remove links to third-party websites, but reserves the right to limit or remove links to third-party websites on the Services at its sole discretion.The use of any website controlled, owned or operated by third parties is governed by the terms and conditions of use and privacy policies for those websites. You access such third-party websites at your own risk. Credit Pulse expressly disclaims any liability arising in connection with your use and/or viewing of any websites or other material associated with links that may appear on the Services. You hereby agree to hold Credit Pulse harmless from any liability that may result from the use of links that may appear on the Services. You hereby agree to abide by all applicable requirements of Credit Pulse’s third-party providers that are listed in these Terms of Service, as may be updated from time-to-time. Such requirements are as follows:
‍
Equifax - https://www.equifax.ca/
‍Credit Safe - https://www.creditsafe.com/us/en.html 
Enigma - https://www.enigma.com/
‍People Data Labs - https://www.peopledatalabs.com/
‍Perigon - https://perigon.io/ 

As part of the functionality of the Services, you may link your Account with online accounts you may have with third-party service providers, such as Google or Microsoft (each such account, a “Third-Party Account”) by either: (i) providing your Third-Party Account login information through the Services; or (ii) allowing Credit Pulse to access your Third-Party Account, as is permitted under the applicable terms and conditions that govern your use of each Third-Party Account. You represent that you are entitled to disclose your Third-Party Account login information to Credit Pulse and/or grant Credit Pulse access to your Third-Party Account (including, but not limited to, for use for the purposes described herein), without breach by you of any of the terms and conditions that govern your use of the applicable Third-Party Account and without obligating Credit Pulse to pay any fees or making Credit Pulse subject to any usage limitations imposed by such third-party service providers. By granting Credit Pulse access to any Third-Party Accounts, you understand that: (1) Credit Pulse may access, make available and store (if applicable) any content that you have provided to and stored in your Third- Party Account (the “SNS Content”) so that it is available on and through the Services via your Account, including without limitation any friend lists; and (2) Credit Pulse may submit and receive additional information to your Third-Party Account to the extent you are notified of this when you link your Account with the Third-Party Account. Unless otherwise specified in these Terms of Service, all SNS Content, if any, shall be considered to be User Generated Content. Depending on the Third-Party Accounts you choose, and subject to the privacy settings that you have set in such Third-Party Accounts, personally identifiable information that you post to your Third-Party Accounts may be available on and through your Account on the Services. Please note that if a Third-Party Account or associated service becomes unavailable or Credit Pulse’s access to such Third-Party Account is terminated by the third-party service provider, then SNS Content may no longer be available on and through the Services. You will have the ability to disable the connection between your Account on the Services and your Third-Party Accounts at any time, as set forth below. PLEASE NOTE THAT YOUR RELATIONSHIP WITH THE THIRD-PARTY PROVIDERS ASSOCIATED WITH YOUR THIRD-PARTY ACCOUNTS IS GOVERNED SOLELY BY YOUR AGREEMENT(S) WITH SUCH THIRD PARTY PROVIDERS. Credit Pulse makes no effort to review any SNS Content for any purpose, including but not limited to, for accuracy, legality, or non-infringement, and Credit Pulse is not responsible for any SNS Content.

‍8. Intellectual Property Rights 
‍All text, graphics, editorial content, data, formatting, graphs, designs, HTML, look and feel, photographs, music, sounds, images, software, videos, designs, trademarks, logos, typefaces, data regarding your use of the Services (including what content you review and the frequency of your access), and other content (collectively “Proprietary Material”) that users see or read through the Services is owned by Credit Pulse, excluding User Generated Content, which users hereby grant Credit Pulse a license to use. Proprietary Material is protected in all forms, media and technologies now known or hereinafter developed. Credit Pulse owns all Proprietary Material, as well as the coordination, selection, arrangement, and enhancement of such Proprietary Materials as a Collective Work under the United States Copyright Act, as amended. The Proprietary Material is protected by the domestic and international laws governing copyright, patents, and other proprietary rights. You may not copy, download, use, redesign, reconfigure, or retransmit anything from the Services without Credit Pulse’s express prior written consent and, if applicable, the holder of the rights to the User Generated Content. Any use of such Proprietary Material, other than as permitted therein, is expressly prohibited without the prior permission of Credit Pulse and, if applicable, the holder of the rights to the User Generated Content.The service marks and trademarks of Credit Pulse, including without limitation Credit Pulse and Credit Pulse logos, are service marks owned by Credit Pulse. Any other trademarks, service marks, logos and/or trade names appearing via the Services are the property of their respective owners. You may not copy or use any of these marks, logos or trade names without the express prior written consent of the owner.Additionally, you may choose to or we may invite you to submit comments, ideas, or feedback about the Services, including without limitation about how to improve our services or our products (“Feedback”). By submitting any Feedback, you agree that your disclosure is gratuitous, unsolicited, and without restriction and will not place Credit Pulse under any fiduciary or other obligation, and that we are free to use the Feedback without any additional compensation to you, and/or to disclose the Feedback on a non- confidential basis or otherwise to anyone. You further acknowledge that, by acceptance of your submission, Credit Pulse does not waive any rights to use similar or related Feedback previously known to Credit Pulse, developed by its employees, or obtained from sources other than you. You acknowledge that all email and other correspondence that you submit to us shall become our sole and exclusive property. Subject to the terms and conditions hereof, you are hereby granted a limited, nonexclusive, nontransferable, freely revocable, license to access and use the Services. We may terminate this license at any time for any reason or no reason. The Services and all materials therein or transferred thereby, including, without limitation, software, images, text, graphics, illustrations, logos, patents, trademarks, service marks, reports generated by the Services, and copyrights (the “Credit Pulse Content”), and all Intellectual Property Rights (as defined below) related thereto, are the exclusive property of Credit Pulse or, as applicable, its licensors. Except as explicitly provided herein, nothing in this Agreement shall be deemed to create a license in or under any such Intellectual Property Rights, and you agree not to sell, license, rent, modify, publicly distribute, publicly transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from any materials or content accessible on the Services. Use of the Credit Pulse Content or materials on the Services for any purpose not expressly permitted by this Agreement is strictly prohibited. For the purposes of this Agreement, “Intellectual Property Rights” means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rightsand other intellectual property rights as may now exist or hereafter come into existence, and all applications therefore and registrations, renewals and extensions thereof, under the laws of any state, country, territory or other jurisdiction.Your use of the Services and the relating licenses granted hereunder are also conditioned upon your strict adherence to the letter and spirit of the various applicable guidelines and any end user licenses associated with your use of the Services. Credit Pulse may modify such guidelines in its sole discretion at any time. Credit Pulse reserves the right to terminate your Account and access to the Services if it determines that you have violated any such applicable guidelines.

‍9. Publicity 
‍You acknowledge and agree that Credit Pulse may publicly disclose that you are a client of Credit Pulse. You further agree that Credit Pulse may display your logos, promotional graphics, and related marketing designs (“Client Art”) on the Site, Credit Pulse’s websites, and on sales and marketing materials, and you hereby grant Credit Pulse a worldwide, royalty-free, non-exclusive, license to use the Client Art, as well as your corporate and/or trade name, for such purposes.

‍10. Copyright Complaints and Copyright Agent 
‍Credit Pulse respects the intellectual property of others, and expects users to do the same. If you believe, in good faith, that any materials provided on or in connection with the Services infringe upon your copyright or other intellectual property right, please send the following information to Credit Pulse’s Copyright Agent at 10956 Puma Cliff, Littleton, Colorado 80124 and copyright@CreditPulse.com:
●  A description of the copyrighted work that you claim has been infringed, including the URL (Internet address) or other specific location on the Services where the material you claim is infringed is located. Include enough information to allow Credit Pulse to locate the material, and explain why you think an infringement has taken place;
●  A description of the location where the original or an authorized copy of the copyrighted work exists—for example, the URL (Internet address) where it is posted or the name of the book in which it has been published; 
●  Your address, telephone number, and e-mail address; 
●  A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
●  A statement by you, made under penalty of perjury, that the information in your notice is accurate, and that you are the copyright owner or authorized to act on the copyright owner’s behalf; and
●  An electronic or physical signature of the owner of the copyright or the person authorized to act on behalf of the owner of the copyright interest.

‍11. Confidential Information 
‍You acknowledge that Confidential Information (as defined below) is a valuable, special and unique asset of Credit Pulse and agree that you will not disclose, transfer, use (or seek to induce others to disclose, transfer or use) any Confidential Information for any purpose other than using the Services in accordance with these Terms of Service. If relevant, you may disclose the Confidential Information to your authorized employees and agents provided that they are also bound to maintain the confidentiality of Confidential Information. You shall promptly notify Credit Pulse in writing of any circumstances that may constitute unauthorized disclosure, transfer, or use of Confidential Information. You shall use best efforts to protect Confidential Information from unauthorized disclosure, transfer or use. You shall return all originals and any copies of any and all materials containing Confidential Information to Credit Pulse upon termination of this Agreement for any reason whatsoever. The term “Confidential Information” shall mean any and all of Credit Pulse’s trade secrets, confidential and proprietary information, and all other information and data of Credit Pulse that is not generally known to the public or other third parties who could derive value, economic or otherwise, from its use or disclosure. Confidential Information shall be deemed to include technical data, know-how, research, product plans, products, services, customers, markets, software, developments, inventions, processes, formulas, technology, designs, drawings, engineering, hardware configuration information, marketing, finances, strategic and other proprietary and confidential information relating to Credit Pulse or Credit Pulse’s business, operations or properties, including information about Credit Pulse’s staff, users or partners, or other business information disclosed directly or indirectly in writing, orally or by drawings or observation.

‍12. Disclaimer of Warranties 
‍THE SERVICES IS PROVIDED ON AN “AS IS” BASIS WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Credit Pulse MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE CONTENT PROVIDED THROUGH THE SERVICES OR THE CONTENT OF ANY SITES LINKED TO THE SERVICES AND ASSUMES NO LIABILITY OR RESPONSIBILITY IN CONTRACT, WARRANTY OR IN TORT FOR ANY: (I) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT; (II) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES; (III) ANY ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN; AND (IV) EVENTS BEYOND OUR REASONABLE CONTROL, INCLUDING, BUT NOT LIMITED TO, LENDING DECISIONS MADE BY SUPPLIERS BASED ON USE OF THE SERVICES.UNDER NO CIRCUMSTANCES WILL CREDIT PULSE AND AFFILIATES OR THEIR CORPORATE PARTNERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, ACTUAL, CONSEQUENTIAL, ECONOMIC, SPECIAL OR EXEMPLARY DAMAGES (INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOSS OF DATA, LOSS OF GOODWILL, SERVICE INTERRUPTION, COMPUTER DAMAGE, SYSTEM FAILURE, FAILURE TO STORE ANY INFORMATION OR OTHER CONTENT MAINTAINED OR TRANSMITTED BY CREDIT PULSE, OR THE COST OF SUBSTITUTE PRODUCTS OR SERVICES) ARISING IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF THE SAME. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU IN THEIR ENTIRETY.IF, NOTWITHSTANDING THE FOREGOING EXCLUSIONS, IT IS DETERMINED THAT Credit Pulse AND AFFILIATES OR THEIR CORPORATE PARTNERS ARE LIABLE FOR DAMAGES, IN NO EVENT WILL THE AGGREGATE LIABILITY, WHETHER ARISING IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EXCEED THE GREATER OF: (I) THE TOTAL FEES PAID BY YOU TO Credit Pulse DURING THE SIX MONTHS PRIOR TO THE TIME SUCH CLAIM AROSE; OR (II) ONE HUNDRED DOLLARS ($100), TO THE EXTENT PERMITTED BY APPLICABLE LAW.

‍13. Credit Report Information 
‍Financial information provided via the Services is provided for informational purposes only and is not a substitute for individualized professional advice. We are not a credit repair or credit services organization as defined under federal or state law, including any credit repair or credit services organization acts. We do not provide “credit services” or “credit repair” services. We do not advise or assist you with “rebuilding” or “improving” your credit. We make no representation that we will improve or attempt to improve your credit record, history, or rating. The Services are not intended to provide financial, legal, or tax advice, and we are not a financial planner, broker, or tax advisor. Before making any financial decisions or implementing any strategy, you should consider obtaining additional information and advice from your financial advisers.You expressly authorize Credit Pulse and our affiliates to obtain consumer reports from consumer reporting agencies about you: (1) periodically throughout your use of the Services; and (2) from time to time in connection with any other services that we offer that you obtain from us. In each case, you expressly authorize Credit Pulse and our affiliates to use such consumer reports about you and information derived therefrom in connection with, but not limited to: 
●  Determining your credit risk, eligibility for loan services, verifying your identity, verifying information you provide to Credit Pulse, and for any purpose that we deem necessary in connection with your use of the Services;
●  Our internal use, including statistical analyses and to develop, improve, analyze, study, and maintain products and services we offer or may offer through the Services; and 
●  Providing you with information or Services, including information about your credit profile and to deliver Services upon request (such as financial management tools and credit profile tools). You understand that Credit Pulse may report information about your use of the Services to consumer reporting agencies, and that such information may be reflected on your credit report or other consumer reports about you.

‍14. Indemnification 
‍You hereby agree to indemnify, defend, and hold harmless Credit Pulse and its officers, directors, employees, agents, attorneys, insurers, successors and assigns (the “Indemnified Parties”) from and against any and all Liabilities incurred in connection with: (i) your use or inability to use the Services including, but not limited to, lending decisions made by Suppliers based on their use of the Services; (ii) your breach or violation of this Agreement; (iii) your violation of any law, or the rights of any user or third party; and (iv) any content submitted by you or using your Account to the Services, including, but not limited to the extent such content may infringe on the intellectual rights of a third party or otherwise be illegal or unlawful. You also agree to indemnify the Indemnified Parties for any Liabilities resulting from your use of software robots, spiders, crawlers, or similar data gathering and extraction tools, or any other action you take that imposes an unreasonable burden or loan on our infrastructure. Credit Pulse reserves the right, in its own sole discretion, to assume the exclusive defense and control at its own expense of any matter otherwise subject to your indemnification. You will not, in any event, settle any claim or matter without the prior written consent of Credit Pulse.

‍15. Dispute Resolution—Arbitration & Class Action Waiver 
‍PLEASE READ THIS SECTION CAREFULLY—IT AFFECTS YOUR LEGAL RIGHTS AND GOVERNS HOW YOU AND Credit Pulse CAN BRING CLAIMS AGAINST EACH OTHER. THIS SECTION WILL, WITH LIMITED EXCEPTION, REQUIRE YOU AND Credit Pulse TO SUBMIT CLAIMS AGAINST EACH OTHER TO BINDING AND FINAL ARBITRATION ON AN INDIVIDUAL BASIS. You agree that, in the event any dispute or claim arises out of or relating to your use of the Services, you will contact us at support@CreditPulse.com and you and Credit Pulse will attempt in good faith to negotiate a written resolution of the matter directly. You agree that if the matter remains unresolved for 30 days after notification (via certified mail or personal delivery), such matter will be deemed a “Dispute” as defined below. Except for the right to seek injunctive or other equitable relief described under the “Binding Arbitration” section below, should you file any arbitration claims, or any administrative or legal actions without first having attempted to resolve the matter by mediation, then you agree that you will not be entitled to recover attorneys' fees, even if you may have been entitled to them otherwise.

‍Binding Arbitration.
‍You and Credit Pulse agree that any dispute, claim or controversy arising out of or relating to this Agreement or to your use of the Services (collectively “Disputes”) will be settled by binding arbitration, except that each party retains the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party’s copyrights, trademarks, trade secrets, patents, or other intellectual property rights. This means that you and Credit Pulse both agree to waive the right to a trial by jury. Notwithstanding the foregoing, you may bring a claim against Credit Pulse in “small claims” court, instead of by arbitration, but only if the claim is eligible under the rules of the small claims court and is brought in an individual, non-class, and non-representative basis, and only for so long as it remains in the small claims court and in an individual, non-class, and non- representative basis.

‍Class Action Waiver.
‍You and Credit Pulse agree that any proceedings to resolve Disputes will be conducted on an individual basis and not in a class, consolidated, or representative action. This means that you and Credit Pulse both agree to waive the right to participate as a plaintiff as a class member in any class action proceeding. Further, unless you and Credit Pulse agree otherwise in writing, the arbitrator in any Dispute may not consolidate more than one person’s claims and may not preside over any form of class action proceeding.Arbitration Administration and Rules. The arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with the Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (the “AAA Rules”) then in effect, except as modified by this “Dispute Resolution’ section. (The AAA Rules are available at http://www.adr.org or by calling the AAA at 1-800-778-7879).

‍Arbitration Process.
‍A party who desires to initiate the arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. The arbitrator will be either a retired judge or an attorney licensed to practice law in the state of Colorado and will be selected by the parties from the AAA’s roster of arbitrators with relevant experience. If the parties are unable to agree upon an arbitrator within seven days of delivery of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with AAA Rules.

‍Arbitration Location and Procedure.
‍Unless you and Credit Pulse agree otherwise, the seat of the arbitration shall be in Denver, Colorado. If your claim does not exceed USD $10,000, then the arbitration will be conducted solely on the basis of documents you and Credit Pulse submit to the arbitrator, unless you request a hearing and the arbitrator then determines that a hearing is necessary. If your claim exceeds USD$10,000, your right to a hearing will be determined by AAA Rules. Subject to AAA Rules, the arbitrator will have the discretion to direct a reasonable exchange of information by the parties, consistent with the expedited nature of the arbitration. Hearings may be conducted by telephone or video conference, if requested and agreed to by the parties.

‍Arbitrator’s Decision and Governing Law.
‍The arbitrator shall apply Colorado law consistent with the Federal Arbitration Act and applicable statutes of limitations, and shall honor claims of privilege recognized by law. The arbitrator will render an award within the timeframe specified in the AAA Rules. Judgment on the arbitration may be entered in any court having jurisdiction thereof. Any award of damages by an arbitrator must be consistent with the “Disclaimers and Limitations of Liability” section above. The arbitrator may award declaratory or injunctive relief in favor of the claimant only to the extent necessary to provide relief warranted by the claimant’s individual claim.Fees. Each party’s responsibility to pay the arbitration filing, administrative and arbitrator fees will depend on the circumstances of the arbitration and are set forth in the AAA Rules.

‍16. Governing Law 
‍Except as provided in Section 15 or expressly provided in writing otherwise, this Agreement and your use of the Services will be governed by, and will be construed under, the laws of the State of Colorado, without regard to choice of law principles. This choice of law provision is only intended to specify the use of Colorado law to interpret this Agreement.

‍17. No Agency; No Employment
‍No agency, partnership, joint venture, employer-employee or franchiser-franchisee relationship is intended or created by this Agreement.

‍18. General Provisions Failure by Credit Pulse to enforce any provision(s) of this Agreement will not be construed as a waiver of any provision or right. This Agreement constitutes the complete and exclusive agreement between you and Credit Pulse with respect to its subject matter, and supersedes and governs any and all prior agreements or communications. The provisions of this Agreement are intended to be interpreted in a manner which makes them valid, legal, and enforceable. Except for the “Class Action Waiver” in Section 15, in the event any provision is found to be partially or wholly invalid, illegal or unenforceable: (i) such provision shall be modified or restructured to the extent and in the manner necessary to render it valid, legal, and enforceable or; (ii) if such provision cannot be so modified or restructured, it shall be excised from the Agreement without affecting the validity, legality or enforceability of any of the remaining provisions. This Agreement may not be assigned or transferred by either party without the prior written approval of the non-assigning party, except to the parent or subsidiary of either party or in connection with a corporate reorganization or merger, acquisition, or sale of all or substantially all of its business and/or assets.

‍19. Changes to this Agreement and the Services 
‍Credit Pulse reserves the right, at its sole and absolute discretion, to change, modify, add to, supplement, suspend, discontinue, or delete any of the terms and conditions of this Agreement (including these Terms of Service and Privacy Policy) and review, improve, modify or discontinue, temporarily or permanently, the Services or any content or information through the Services at any time, effective with or without prior notice and without any liability to Credit Pulse. Credit Pulse will endeavor to notify you of material changes by email, but will not be liable for any failure to do so. If any future changes to this Agreement are unacceptable to you or cause you to no longer be in compliance with this Agreement, you must terminate, and immediately stop using, the Services. Your continued use of the Services following any revision to this Agreement constitutes your complete and irrevocable acceptance of any and all such changes. Credit Pulse may also impose limits on certain features or restrict your access to part or all of the Services without notice or liability.

‍20. No Rights of Third Parties 
‍None of the terms of this Agreement are enforceable by any persons who are not a party to this Agreement. 

‍21. Notices and Consent to Receive Notices Electronically 
‍You consent to receive any agreements, notices, disclosures and other communications (collectively, “Notices”) to which this Agreement refers electronically including without limitation by e-mail or by posting Notices on this Site. You agree that all Notices that we provide to you electronically satisfy any legal requirement that such communications be in writing. Unless otherwise specified in this Agreement, all notices under this Agreement will be in writing and will be deemed to have been duly given when received, if personally delivered or sent by certified or registered mail, return receipt requested; when receipt is electronically confirmed, if transmitted by facsimile or email; or the day after it is sent, if sent for next day delivery by a recognized overnight delivery service.

‍22. Contacting Us 
‍If you have any questions about these Terms of Service or about the Services, please contact us by email at support@CreditPulse.com or by mail to Swyft Treasury Inc., 10956 Puma Cliff, Littleton, Colorado 80124.