Terms of service
By using Cashflowxpert.com you are agreeing to be bound by the terms and conditions (“Terms of Service”) that follow:
Cashflowxpert.com reserves the right to update and change the Terms of Service as may be required from time to time without notice. New features or functionality that are released in addition to the existing service, shall be subject to the Terms of Service. Continued use of the service after any such changes shall constitute your consent to such changes. The most current version of the Terms of Service may be viewed here at any time and should be consulted regularly.
Should any of the terms below be violated, this will result in the termination of your Cashflowxpert.com account. You agree that Cashflowxpert.com cannot be responsible for the content that a user may create and save on the service we provide. You agree to use the Service at your own risk
The following Cashflowxpert.com Terms of Service (collectively with the Order Form (as defined below), the “Terms of Service” or “Agreement”) constitute a legal agreement between you and the entity on whose behalf you are accessing the Services (“User”) and Cogent Software Inc. (“Cashflowxpert.com”), relating to Cashflowxpert.com’s services, which may include but are not limited to: Cashflowxpert.com’s proprietary receivables management platform (the “ARMS Software”); as well as any other services which Cashflowxpert.com offers in the future and any of the features, functions, or content made available in connection with any of the aforementioned services (each a “Service” and collectively, the “Services”). Additional details regarding the Services provided specifically to User may be set forth in an applicable order form entered into between Cashflowxpert.com and User, including any other addenda, attachments or exhibits thereto (collectively, “Order Form”)
if you have questions regarding the Terms of Service, please contact Cashflowxpert.com at: info@Cashflowxpert.com
USER’S RIGHT TO USE THE SERVICES IS EXPRESSLY CONDITIONED ON ACCEPTANCE OF THESE TERMS OF SERVICE. BY CHECKING THE CHECKBOX ON THE TRIAL SIGN UP FORM AND CLICKING ON THE “REGISTER” BUTTON AND USING THE SERVICES, YOU ARE AGREEING TO BE BOUND BY THE TERMS OF SERVICE ON BEHALF OF USER. IF YOU ARE ACCESSING THE SERVICES ON BEHALF OF YOUR EMPLOYER OR ANOTHER ENTITY, YOU REPRESENT AND WARRANT THAT YOU HAVE THE AUTHORITY TO AGREE TO THESE TERMS OF SERVICE ON ITS BEHALF. IF USER DOES NOT AGREE WITH ANY PROVISION OF THE TERMS OF SERVICE, OR YOU DO NOT HAVE AUTHORITY TO BIND USER, YOU MUST CLICK THE “CANCEL” BUTTON AND MAY NOT ACCESS OR USE THE SERVICES IN ANY MANNER FOR ANY PURPOSE.
1. Acceptance of Terms of Service and Basic Warranties
a. By registering for the Services, User represents and warrants that: (i) User is at least eighteen (18) years of age and a legal entity authorized to conduct the lawful business it operates; (ii) User is eligible to register and use the Services and has the right, power, and legal authority to enter into and perform under this Agreement; and (iii) the name identified by User when User registered is User’s name or business name under which User sells goods or services. To be clear, both individuals and businesses may register to use the Services.
b. By registering for the Services, User agrees to these Terms of Service and all other operating rules, policies and procedures that may be published from time to time through the Services by Cashflowxpert.com , each of which is incorporated by reference and each of which may be updated from time to time without notice to User.
c. Certain portions of the Services may be subject to additional terms and conditions specified by Cashflowxpert.com or an applicable Service Party (as defined in Section 13) from time to time including without limitation as set forth in an Order Form; User’s use of such Services is subject to those additional terms and conditions, which are incorporated into these Terms of Service by this reference. These Terms of Service apply to all users of the Services, including, without limitation, employees and all others who have access to User’s account with the Services.
User will provide reasonable cooperation, assistance, information and access to Cashflowxpert.com as may be necessary to initiate and facilitate User’s use of the Services. Subject to all terms and conditions of these Terms of Service, Cashflowxpert.com will provide User with access to the Services. As part of the implementation process, User will identify an administrative user name and password, along with basic company information, including but not limited to, e-mail address, company name, company address, telephone number that will be used to set up User’s account. As part of the implementation process for payment processing services offered, User will provide bank account information that will be used for credit and debit funds authenticated as part of the Services. For identity authentication and account verification purposes, Cashflowxpert.com reserves the right to ask the user personal authentication questions, including but not limited to, name, last name, email address, telephone number, and share this information with third-party authentication services for the sole purpose of identity verification and account authentication. User shall be responsible for the acts or omissions of any person who accesses the Services using passwords or access procedures provided to or created by User. Cashflowxpert.com reserves the right to refuse registration of, or to cancel, login IDs that violate the Terms of Service and conditions set forth in these Terms of Service. Cashflowxpert.com shall review some or all of the information that User submits in connection with User’s request to register for the Services and may forward such information to its third-party payment processor (“Payment Processor”). User agrees that Cashflowxpert.com may share information about User and User’s Cashflowxpert.com account to its Payment Processor. After User submits its application, Cashflowxpert.com or its Payment Processor may conclude that User will not be permitted to use the Services. By accepting this Agreement, User specifically authorizes Cashflowxpert.com to request identity-verifying information about User, including a consumer or a commercial credit report that contains User’s or User’s business’ name and address. Cashflowxpert.com may periodically obtain additional reports to determine whether User continues to meet the requirements for a Cashflowxpert.com account.
Subject to all terms and conditions of these Terms of Service, Cashflowxpert.com grants to User a nonexclusive, nontransferable, non-sublicenseable right and license to access and use the Services (including the Cashflowxpert.com Materials (as defined below) necessary to use the Services), solely in connection with User’s business. The Services are made available to User solely as hosted by or on behalf of Cashflowxpert.com, and nothing in these Terms of Service shall be construed to grant User any right to receive any copy of any software or systems used to provide the Services. User’s access and use of the Services shall comply with all other conditions set in all documentation, help information, and other documentation regarding the Services, in each case that is provided or made available by Cashflowxpert.com to User in electronic or other form (“Documentation”).
User may, from time to time and in its sole discretion, make suggestions for changes, modifications or improvements to the Services (“Feedback”). All Feedback shall be solely owned by Cashflowxpert.com (including all intellectual property rights therein and thereto) and shall also be Cashflowxpert.com’s confidential information. User shall and hereby does make all assignments necessary to achieve such ownership.
5. User Data
User hereby grants to Cashflowxpert.com a nonexclusive, perpetual, irrevocable, worldwide, sublicensable and royalty-free right and license to access, copy, display, publish, distribute, process, create derivative works from and use all information, data and other content provided by User in connection with its authorized use of the Services (“User Data”), including all data regarding User’s customers (“Customers”), that is used or processed by the Services. In connection with the foregoing license, Cashflowxpert.com reserves the right to use User Data
for: (i) inclusion in Cashflowxpert.com’s products and services, whether directly or indirectly, including without limitation, Cashflowxpert.com’s products and services that are sold on a stand-alone basis and those that are integrated into third-party products and services; (ii) use in products or services which may be sold or licensed to third-parties by Cashflowxpert.com or its distributors; and (iii) Cashflowxpert.com ‘s business use, including without limitation, use in any manner chosen by Cashflowxpert.com, including but not limited to, the use of such User Data to generate, use, and publish aggregate statistical information. The foregoing license shall survive the termination of this Agreement. In all instances, Cashflowxpert.com will not identify User as the source of any User Data, unless Cashflowxpert.com has obtained such User’s consent or if identification is required by applicable law, rule, regulation or judicial process. User agrees that Cashflowxpert.com may request additional information from User at any time and may require User to provide invoices from User’s suppliers, a government issued identification such as a passport or driver’s license, or a business license. Cashflowxpert.com reserves the right to terminate User’s use of the Services upon User’s refusal to provide such additional data. User agrees that (a) the Services depend on the availability of the User Data and (b) Cashflowxpert.com will not assume any responsibility for, or undertake to verify, the accuracy or completeness of the User Data. Except as expressly set forth within the description of a User’s account, Cashflowxpert.com shall have no obligation to screen, edit, monitor, or store User Data or Reports (as such terms are defined below), and Cashflowxpert.com reserves the right, and has absolute discretion, to remove, screen, edit, or disable any User Data or Report at any time and for any reason without notice. User acknowledges that by using the Services, User may be exposed to User Data that is offensive, indecent, or objectionable. User shall be responsible for ensuring that the provision of User Data conforms to User’s privacy policies (including any applicable third-party privacy policies to which Customer or Customer’s data has been associated with in conjunction User’s relationship with Customer) and all applicable laws, rules and regulations.
User shall not directly or indirectly (a) use any of Cashflowxpert.com’s Confidential Information (as defined below) to create any service, software or documentation that performs substantially the same functionality as the Services, (b) disassemble, decompile, reverse engineer or use any other means to attempt to discover any source code, algorithms or trade secrets underlying the Services or Cashflowxpert.com materials (except and only to the extent these restrictions are expressly prohibited by applicable statutory law), (c) encumber, sublicense, resell, transfer, distribute, rent, lease, time-share or use any Cashflowxpert.com Property, (e) use or allow the transmission, transfer, export, re-export or other transfer of any product, technology or information it obtains or learns in connection with User’s use of the Service in violation of any export control or other laws and regulations of the United States or any other relevant jurisdiction, (f) act as a payment intermediary or aggregator on behalf of any third-party, including, but not limited to using the Services to handle, process or transmit funds for any third-party or to process cash advances, (g) access or monitor any material or
information on any Cashflowxpert.com’s system using any manual process or robot, spider, scraper, or other automated means unless User has separately executed a written agreement with Cashflowxpert.com that expressly grants User an exception to this prohibition, or (h) perform or attempt to perform any actions that would interfere with the proper working of the Services, prevent access to or use of the Services by Cashflowxpert.com’s other Users, or impose an unreasonable or disproportionately large load on Cashflowxpert.com‘s infrastructure.
User agrees not to upload to the Services or otherwise post, transmit, distribute, or disseminate through the Services any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches any duty toward or rights of any person or entity, including rights of publicity or privacy; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with Cashflowxpert.com’s or its partners’ products and services, as determined by Cashflowxpert.com in its sole discretion; or (f) in Cashflowxpert.com’s sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Services, or which may expose Cashflowxpert.com to harm or liability of any nature.
CASHFLOWXPERT.COMRESERVES THE RIGHT TO REJECT AN ACCOUNT FOR ANY REASON, INCLUDING WITHOUT LIMITATION ACCOUNTS THAT COLLECT CONSUMER DEBT.
7. Customer Account Bankruptcy
User will promptly notify Cashflowxpert.com upon receiving any notice of bankruptcy relating to any Customer accounts.
8. Pricing and Payments
Fees. User agrees to pay Cashflowxpert.com for the Services the fees set forth in the applicable Order Form(s), upon the terms set forth therein or in an applicable invoice for such Services.
Third-party Services. Please note that where the Services connect User with third-parties providing additional services, User may be required to make payment for such third-party services directly to such third-party. In the foregoing instance, the processing of such payments will be subject to the terms, conditions and privacy policies of such third-party. Please also note the Subscription Fee may or may not incorporate and cover costs and fees incurred by Cashflowxpert.com for third-party services that are incorporated into the Services.
Taxes. Unless otherwise noted, all payments required by these Terms of Service are exclusive of federal, state, local and foreign taxes, duties, tariffs, levies, withholdings and similar assessments (including without limitation, sales taxes, use taxes and value added taxes). Cashflowxpert.com is not a bank and does not offer banking services as defined by the United States Department of Treasury, nor does it offer money service business (“MSB”) services as defined by the United States Department of Treasury. Should User be located or registered in Canada, applicable Federal and Provincial Sales Taxes will be applied to all charges.
Renewal Rates; Pricing Increases. The price for the same level of access to a particular Service during an Automatic Renewal Term (as defined in Section 18) will be the same as the price for such level of access to such Service during the immediately prior term; provided that Cashflowxpert.com reserves the right to increase fees for any of the Services up to fifteen percent (15%) upon written notice to User at least 30 days before the end of the then-current term, with such pricing increase to become effective upon the beginning of the immediately following Automatic Renewal Term. Cashflowxpert.com reserves the right to further change and/or modify the Fees invoiced to User upon written notice to User at least 30 days prior to the end of the then-current term, and such change shall not take effect until the beginning of the next term. Customer may elect not to renew the Services upon receiving notice of such fee increase. For clarity, increases in functionality, features, access levels, clients, users, or any other aspect of a Service initiated or purchased by Customer may lead to increased fees not subject to the notification requirements set forth in this section.
“Confidential Information” means, with respect to Cashflowxpert.com, all financial, business or technical information disclosed by or for Cashflowxpert.com in relation to the Services or these Terms of Service that is of a nature that is not considered a Report or a Result and should otherwise reasonably be considered to be confidential and proprietary. Except for the specific rights granted by these Terms of Service, neither party (“Recipient”) may use, copy or disclose any of the other’s (“Discloser”) Confidential Information without Discloser’s written consent, and shall use reasonable care to safeguard Discloser’s Confidential Information, including ensuring that Recipient’s employees, contractors and agents (“Representatives”) with access to Discloser’s Confidential Information have a need to know for the purposes of these Terms of Service and are bound by substantially similar confidentiality obligations. The foregoing obligations shall not apply to any Confidential Information (other than PII) that Recipient can demonstrate is (a) already known by it without restriction, (b) rightfully furnished to it without restriction by a third-party not in breach of any obligation to Discloser, (c) generally available to the public without breach of these Terms of Service or (d) independently developed by it without reference to or use of any of Discloser’s Confidential Information. Each party shall be responsible for any breach of confidentiality by its Representatives, as applicable. Promptly upon Discloser’s request at any time, Recipient shall return all of Discloser’s tangible Confidential Information, permanently erase all Confidential Information from any storage media and destroy all information, records, copies, summaries, analyses and materials developed therefrom. Nothing herein shall prevent a party from disclosing these Terms of Service or any of the other’s Confidential Information as necessary pursuant to any court order or any legal, regulatory, law enforcement or similar requirement or investigation; provided, prior to any such disclosure, Recipient shall use reasonable efforts to (a) promptly notify Discloser in writing of such requirement to disclose and (b) cooperate with Discloser in protecting against or minimizing any such disclosure or obtaining a protective order. User will promptly notify Cashflowxpert.com in writing if it becomes aware of any violations of the confidentiality obligations set forth in this Section.