Last Modified: March 19, 2022
Table of Contents
1. Your use of Vouchpad’s software, products and services
2. Unacceptable use of our site
3. Site changes
4. Registration and accounts
5. User generated content
6. Privacy and collection of information
7. Our proprietary rights
9. Participation information
10. Disclaimer of warranties and limitation of liability
11. Modification and termination of the services
12. Provisions: enforceability and survival
YOUR USE OF VOUCHPAD’S SOFTWARE, PRODUCTS AND SERVICES
Use of the Services by children under the age of 13 is prohibited. By using the Services, you warrant that you are 13 years of age or older.
UNACCEPTABLE USE OF OUR SITE
You may use our site only for lawful purposes. You may not use our site:
You also agree:
Any violation of our system or network security may subject you to civil and/or criminal liability. By breaching these provisions, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities, and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
Our site is, for the most part, made available free of charge. We may update and change our site from time to time. Although we make reasonable efforts to update the information on our site, we make no representations, warranties or guarantees, whether express or implied, that the content on our site is accurate, complete, or up to date.
We do not guarantee that our site, or any content on it, will always be available or be uninterrupted. We may suspend or withdraw or restrict the availability of all or any part of our site for business and operational reasons. We will try to give you reasonable notice of any suspension or withdrawal.The content on our site is provided for general information only. It is not intended to amount to financial advice on which you should rely. You must obtain professional or specialist financial advice before taking, or refraining from, any action based on the content on our site.
REGISTRATION AND ACCOUNTS
Some Services may require that you register on the Vouchpad website ( https://vouchpad.com). You must provide complete and accurate information during registration, including your email address, and update your information should it change in the future.
You must maintain the confidentiality of your assigned user IDs and passwords. You agree to immediately notify Vouchpad at email@example.com of any unauthorized use of your password or username or any other breach of security. If a password is lost or stolen, it is your responsibility to change the password, and immediately notify Vouchpad, so that your account remains secure and functional.
USER GENERATED CONTENT
The Services include features which allow you to submit content that others can access, both within and outside of the Services. You retain any rights you hold in the content that you submit. All content submitted to the Services is the sole responsibility of the user who submitted the content.
Vouchpad does not screen, review or actively monitor any content submitted to the Services by users, and is not responsible for the accuracy or truthfulness of any user-submitted content.
PRIVACY AND COLLECTION OF INFORMATION
OUR PROPRIETARY RIGHTS
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
None of the information contained in Vouchpad’s website constitutes a recommendation, solicitation or offer by Vouchpad or its affiliates to buy or sell any securities or other financial instruments or other assets or provide any investment advice or service. The information contained in Vouchpad’s website has been prepared without reference to any particular user’s lending or investment requirements or financial situation.
The information contained and services offered in Vouchpad’s website are not provided to, and may not be used by, any person or entity in any jurisdiction where the provision or use thereof would be contrary to applicable laws, rules or regulations of any governmental authority or regulatory or self-regulatory organization or clearing organization or where Vouchpad or its authorized partner or agent is not authorized to provide such information or services. Some products and services described in Vouchpad’s website may not be available in all jurisdictions or to all potential users.
DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY
Other than as specifically set forth herein, the Services is provided “AS IS” and “WITH ALL FAULTS” and without warranty of any kind. You agree that the use of the Services is at your risk.
Vouchpad makes no warranty of any kind to you or any third party, express, implied or statutory, with respect to the services, operation of the services, or output of or results obtained from the services, including, without limitation, any implied warranty of merchantability, fitness for a particular purpose, operability, compliance with applicable law or non-infringement and all such warranties are hereby excluded by Vouchpad and waived by you.
MODIFICATION AND TERMINATION OF THE SERVICES
Vouchpad may, in its sole discretion, discontinue offering the Services or terminate or suspend your access to the Services at any time.
PROVISIONS: ENFORCEABILITY AND SURVIVAL
You agree that we and any of our affiliates, agents, service providers or assignees may call you, leave you a voice, prerecorded, or artificial voice message, or send you a text, e-mail, or other electronic message for any purpose related to your loan with us or our partner financial institutions, our products and services, or surveys or research (each a “Communication”). You agree that we and any of our affiliates, agents, service providers or assignees may call or text you at any telephone number associated with your loan, including cellular telephone numbers, and may send an e-mail to any email address associated with your loan. You also agree that we and any of our affiliates, agents, service providers or assignees may include your personal information in Communication and may conduct a Communication using an automatic telephone dialing system. We will not charge you for Communication, but your service provider may. In addition, you understand and agree we and any of our affiliates, agents, service providers or assignees may always communicate with you in any manner permissible by law that does not require your prior consent.