Terms of Use

These Terms of Use, as they may be amended from time to time, together with any documents, policies, or terms they incorporate by reference (collectively, these “Terms”), are entered into by and between you and K2 Integrity, operating through Financial Integrity Network, LLC (together with its affiliates, “K2 Integrity”, the “Company”, “we”, or “us”). For purposes of this Agreement, “Affiliate” means K2 Integrity and any other entity that directly or indirectly controls, is controlled by, or is under common control with K2 Integrity.

For purposes of these Terms, “you” includes, individually and collectively, an individual subscriber, an institutional subscriber, or an authorized user of an institutional subscriber that is purchasing, viewing, using, or accessing DOLFIN™ Site, including the DOLFIN Resource Center™ and other subscription services and features, at https://dolfinapp.finintegrity.com (the “Site”). You acknowledge and agree that by (i) visiting, viewing, using, or accessing the Site, (ii) clicking “Agree”, “Register”, “Order” “Submit”, or similar links, or (iii) signing or confirming registration of the User Account, any Purchase Order or any other agreement incorporating these Terms, that you have read, understand, and agree to be bound by these Terms and won’t use the Site in a way that violates any laws or regulations. To the extent the terms of a separate written services agreement or consulting agreement between an institutional user and  the Company directly conflict with any provisions of these Terms, the terms set forth in such other agreement will control.

Privacy Policy. Any personal information submitted in connection with your use of the Site is subject to our privacy policy found at dolfin.finintegrity.com/privacy-policy and dolfinapp.finintegrity.com/privacy-policy (the “Privacy Policy”), which is hereby incorporated by this reference. We will use information about you that we obtain either directly from you or that we obtain by nature of your use of the Site, in accordance with our Privacy Policy, solely in furtherance of providing you with use of the Site and improving the Site, as described in more detail in the Privacy Policy.

Site Access. Subject to your ongoing compliance with these Terms, the Company hereby grants to you permission to use the Site for your internal business purposes to: (i) access and browse DOLFIN Resource Center™ as available through the Site, including written materials, podcasts and videos; (ii) register, log into, purchase and use subscriptions to DOLFIN™ Site, including the DOLFIN Resource Center™, and other subscription services and features at the Site; and (iii) interact with the Company’s team through FINQuiry™ and Video FINCasts™. For an institutional user, the Company will create Business User Accounts allowing authorized personnel of such institutional user to access and use the Site, subject to that authorized user’s ongoing compliance with these Terms and any additional provisions contained in an agreement between  the Company and the institutional user. This Site is not intended to be used by anyone under the age of 18.

Account Registration; User Account. To access to DOLFIN™, including the DOLFIN Resource Center™ and other subscription services and features, an individual subscriber will be asked to register and provide us with his or her email address and will choose a username and password for his or her account (the “Individual User Account”). Authorized users of institutional subscribers will be asked to click on the “First Time Logging In” link on the Site and reset their password (the “Business User Account”).  The Individual User Account and Business User Account are generally and collectively referred to in these Terms as “User Account”.

Information that you provide at the time of registration is necessary for providing you the content, customer service, and network management that comes with the Site; as such, it is a condition of your use of the Site that all account information you provide is correct, current, and complete. You agree that all account information you provide is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

Security. You must ensure that your email address is, and remains, valid. You are solely responsible for maintaining the confidentiality of your username and password and any other piece of information you provide to us as part of our security procedures (collectively, “Account Information”). You must not disclose it to any other individual or entity, as contemplated by these Terms. If your username or password is lost or stolen, or if you believe that your User Account has been accessed by unauthorized third parties, you are advised to notify  the Company in writing, and should change your password at the earliest possible opportunity. You will remain responsible for all use of your username and password, and all activity emanating from your User Account, whether or not such activity was authorized by you.  the Company shall not be liable for any loss or damages arising from your failure to maintain the security and confidentiality of your User Account. We reserve the right to, with or without prior notice, suspend or terminate your User Account if activities occurring thereon, in our sole discretion, would or might constitute a violation of these Terms, or an infringement or violation of the rights of any third party, or of any applicable laws or regulations.

License.  The Company grants you a paid-for, limited, personal, non-exclusive, revocable, non-assignable and non-transferable right and license to access and use the DOLFIN™ Site, including the DOLFIN Resource Center™ and other subscription services and features on the Site, and to view or listen to written and video content, and podcasts, including webinar content streamed from the Site, subject, in each case, to the territorial availability of that feature and content (the “License”). Except as stated herein or as otherwise provided in a separate written agreement between the institutional user and the Company, you have no right to copy, download, display, perform, reproduce, distribute, modify, edit, alter, or enhance any of the materials in any manner.

The License allows a single individual, or a specific number of designated employees or agents of an institutional user, to register and receive access to the Site. If you are an authorized personnel of an institutional user, you acknowledge and agree that each Business User Account created by  the Company for such institutional user is specific to the designated individual employee or agent of such user.  You may not share your Account Information with any third parties or, if applicable, other employees, affiliate employees, contractors or agents of the institutional user you represent.

Use Restrictions. You agree not to use this Site to:

  • copy, rip or capture, or attempt to copy, rip or capture, any audio content from DOLFIN Resource Center™ or any part of DOLFIN Site;
  • adapt, copy, republish, make available or otherwise communicate to the public, display, perform, transfer, share, distribute or otherwise use or exploit any content from FINLibrary™, FIN Hub™ or Video FINCasts™ at any and all times, except as permitted under these Terms;
  • upload, transmit, or distribute any computer viruses, worms, or any software intended to damage or alter a computer system or data;
  • harvest, collect, gather or assemble information or data regarding other users, including e-mail addresses, without their consent;
  • interfere with, disrupt, or create an undue burden on servers or networks connected to this Site or violate the regulations, policies or procedures of such networks;
  • attempt to gain unauthorized access to this Site, other computer systems or networks connected to or used together with this Site, through password mining or other means;
  • alter or remove, or attempt to alter or remove, any trademark, copyright or other proprietary or legal notices contained in, or appearing on, the Site;
  • sell or transfer, or offer to sell or transfer, your User Account to any third party without the prior written approval of the Company.

You agree to comply with the above conditions at any and all times during your use of the DOLFIN™ Site, including the DOLFIN Resource Center™, and acknowledge and agree that the Company has the right, in its sole discretion, to terminate your User Account or take such other action as we see fit if you breach any of the above conditions or any of the other terms of these Terms. This may include taking court action and/or reporting offending users to the relevant authorities.

Subscription. We offer two types of subscriptions: (1) an individual subscription to the DOLFIN™ Site, which includes access to the DOLFIN Resource Center™ (the “Individual Subscription”); and (2) an institutional plan which offers subscriptions to the DOLFIN™ site, which may include access to the DOLFIN Resource Center™, as well as Training and Certification Services and FIN Community (the “Business Subscription”).

Subscription Fee; Taxes. The Company’s grant of the License and related Subscription is expressly conditioned on timely payment of a monthly subscription  fee in advance for your Individual User Account, or timely payment by the institutional user for all Business User Accounts included in a Business Subscription, as applicable (the “Subscription Fee”).

Transaction Processing. By registering for, subscribing to, or purchasing a Subscription and providing billing information you grant our authorized third-party payment processor the right to process payment for the Subscription Fee. For each purchase you make, you will be charged on an automatic and recurring basis, in advance of each subscription period.

Suspension Because of Nonpayment. If payment is not received within the required time period, we may suspend your access to the Site until payment is received. In the event we suspend your access because of nonpayment, no additional time will be added to the term of the applicable Subscription.

Individual Subscription – Termination by the Company. You agree that we may deactivate your User Account or terminate your Subscription if we believe that you have (a) violated or acted inconsistently with these Terms or our Privacy Policy; (b) breached the terms of your separate agreement with you, or (c) infringed the intellectual property rights of a third party. You agree that any such deactivation or termination for the foregoing reasons may be effected without prior notice to you and that the Company will not be liable to you or any third party for any deactivation of your User Account or termination of your Subscription.

Individual Subscription – Termination by User. Individual Subscription may be cancelled at any time via your User Account settings page or by emailing dolfin@finintegrity.com. If you cancel your Individual Subscription by any method, your Individual Subscription will remain active to the end of your then-current term to the extent your individual Subscription Fee is paid. These Terms will continue in effect and will govern until its expiration or earlier termination for cause. We will not offer refunds on any fees or charges related to your Individual Subscription—this includes any partially used or unused periods for which you have already paid. Your obligation to pay fees continues through the end of the subscription term during which you cancel your Subscription.

Termination of Business Subscription. An institutional user that has purchased a subscription for its employees or agents, or the Company, may terminate the Business Subscription or any Purchase Order prior to its expiration on the terms described in the written agreement between the parties. To terminate any Business User Account and revoke access for individual employees, the institutional user shall notify the Company by calling  +1.202.558.0960, or by emailing dolfin@finintegrity.com.

Your Marks. As a subscription holder, you agree that the Company may use your logo and name for informational purposes only in marketing efforts, solely for the purpose of identifying you as a customer of the Company, and for no other purpose.

Intellectual Property. All the intellectual property rights, including copyrights, patents, trademarks, and trade secrets, in this Site are owned by the Company or its licensors. FINtegrity™ DOLFIN™, DOLFIN Resource Center™ FINLibrary™, FIN Hub™, FINCasts™, FINQuiry™, and other Company marks and logos are service marks and trademarks of the Company. The provision of this Site does not transfer to you or any third party any rights, title or interest in or to such intellectual property rights, except as otherwise set forth in a separate written agreement between you and the Company. The Company reserves all rights not granted in these Terms.

Equitable Relief. You acknowledge that a breach of any proprietary rights described in these Terms may cause us irreparable damage, for which the award of damages would not be adequate compensation. Consequently, you agree that we may institute an action to enjoin you from any and all acts in violation of those provisions, which remedy will be cumulative and not exclusive, and we may seek the entry of an injunction enjoining any breach or threatened breach of those provisions, in addition to any other relief to which we may be entitled at law or in equity.

Representations and Warranties. You represent and warrant that: (a) in case of an Individual User, you are (i) 18 years of age, and (ii) are fully able and competent to form a binding contract with the Company by entering into these Terms; and (b) in the case of an Individual User or a Business User, you are solely responsible for all service and data charges, and other fees and costs associated with your access to and use of the Site, including without limitation maintaining all internet, browser software and extensions, computer hardware, telephone, and other equipment required for such access.

We represent, warrant, and covenant to you that: (a) we have and will have all rights, titles, licenses, intellectual property, permissions and approvals necessary in connection with our performance under these Terms to grant you the License and rights granted hereunder; and (b) neither the Site (including FINLibrary™), nor the provision or utilization thereof as contemplated under these Terms, will infringe, violate, trespass or in any manner contravene or breach or constitute the unauthorized use or misappropriation of any intellectual property of any third party.

Sanctions and Highest Risk Countries. It is FIN’s policy not to conduct business with individuals or entities that are located, incorporated or resident in the following countries subject to sanctions or otherwise representing high risk: Crimea (Region); Cuba; Iran; North Korea; Somalia; Syria; Venezuela; and Yemen. You represent and warrant to FIN that neither you, nor, in case of a Business User Account, any of your current or future authorized users, if applicable, are an individual or entity located, incorporated, or resident in any such Highest Risk Country Jurisdiction or are otherwise listed on the sanctions lists maintained by the United States, the United Kingdom, the European Union, or the United Nations sanctions committees, and that you will not make any content or parts of the Site available to such persons.

Authority. You and the Company each represent, warrant, and covenant that it has the full power and authority to: (a) enter into an agreement subject to these Terms; (b) perform its obligations hereunder, and that its performance hereunder does not conflict with, limit, or be contrary to any other agreement; (iii) and that by so doing, it does not violate any applicable laws or any contractual relationship.

Availability of Site; Acts of God. You recognize that the traffic of data through the Internet may cause delays during your use of or access to the Site, and accordingly, you agree not to hold us liable for delays that are ordinary in the course of Internet use. You further acknowledge and accept that the Site may not be available on a continual 24-hour basis due to such delays, delays caused by our upgrading, modification, or standard maintenance of the Site, or any other delays outside of our control.

The Company shall not be liable for any failure or delay in the performance of its obligations relating to the Site due to causes beyond its reasonable control, including but not limited to break-down of the Internet or this Site, war, terrorism, sabotage, insurrection, riot or other act of civil disobedience, strikes or other labor shortages, act of any government affecting the terms hereof, accident, fire, explosion, flood, hurricane, severe weather or other act of God.

Legal Disclaimer.  Our Site and DOLFIN Resource Center™ might provide legal and compliance information and content. The Company and its Affiliates are not legal organizations or law firms, and nothing contained in our DOLFIN Resource Center™ or this Site should be construed as legal advice or counsel.  The information, reports, articles and training videos that are found on or available through this Site are not legal advice and should not be interpreted as a substitute for consultation with a licensed legal professional.

The Company does not represent or endorse any third parties or the methods that they use to arrive at their conclusions. All information provided through the Site is for illustrative purposes only and does not constitute a guarantee or representation of any aspect of such information by the Company. The Company does not make any warranty or representation with respect to the accuracy or completeness of any such information.

Indemnification. You agree to defend, indemnify and hold harmless the Company, its members, managers, officers, employees, licensors, independent contractors, providers, subsidiaries, and Affiliates, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors and assigns (each, a “Company Indemnitee”) from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses or fees (including reasonable attorneys’ fees) (hereinafter, the “Claims”) arising out of or relating to (i) your violation of these Terms; (ii) any use by you of the Site’s material, content, services, or products other than as expressly authorized in these Terms; or (iii) your use of any information obtained from the Site.  You agree to cooperate as fully as reasonably required in the defense of any Claims, including asserting any available defenses. We reserve the right, at our own expense, to assume the exclusive defense and control of any Claims or matter otherwise subject to indemnification by you and you may not in any event settle any Claims without our prior written consent.

Limitation of Liability. IN NO EVENT WILL THE COMPANY BE LIABLE FOR ANY DAMAGES OR INJURIES WHATSOEVER ARISING OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF THIS SITE AND DOLFIN RESOURCE CENTER™, ANY WEB SITES LINKED TO THIS SITE, OR THE MATERIALS OR INFORMATION OR SERVICES CONTAINED AT ANY OR ALL SUCH SITES, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY AND WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN SUCH CASES, THE COMPANY’S LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

Limitation of Damages. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, IN NO EVENT SHALL THE COMPANY’S TOTAL AGGREGATE LIABILITY FOR ANY DAMAGES (DIRECT OR OTHERWISE) OR PENALTIES OR LOSS TO YOU OR ANY THIRD PARTY, REGARDLESS OF THE FORM OF ACTION OR CLAIM, WHETHER IN CONTRACT, TORT OR OTHERWISE, EXCEED THE AGGREGATE AMOUNT OF FEES YOU HAVE PAID TO THE COMPANY FOR ACCESS THE SITE IN THE THREE (3) MONTHS IMMEDIATELY PRIOR TO LIABILITY ARISING.

General.

(a) Changes.  We may change any of the Terms by posting revised Terms of Use on the Site and/or by sending an email to the last email address you gave us. Unless you terminate your User Account within ten (10) days, the new Terms will be effective immediately and apply to any continued or new use of the Site. We may change the Site, the Service, or any features of the Service at any time.

(b) Non-Waiver. Failure by the Company to enforce any provision(s) of these Terms will not be construed as a waiver of any provision or right.

(c) Severability. If any provision of these Terms is found to be illegal, void, or unenforceable, then that provision will be deemed severable from these Terms and will not affect the validity and enforceability of any remaining provisions of these Terms.

(d) Governing Law and Jurisdiction. These Terms of Use are governed by and will be construed in accordance with the laws of the State of New York, without reference to (i) any conflicts of law principle that would apply the substantive laws of another jurisdiction to the parties’ rights or duties (ii) the United Nations Convention on Contracts for the International Sale of Goods, or (iii) other international laws.

(e) Dispute Resolution. Should any dispute arise with regard to these Terms, the parties agree to first work in good faith to resolve such dispute, and neither party may commence any action with regard to such dispute until thirty (30) days have passed from the time such party has provided written notice to the other party of the nature of such dispute, provided that nothing herein will prevent us from seeking injunctive relief in the event of your actual or threatened breach of any terms of these Terms or bringing issues to the attention of federal, state, or local agencies.

(f) Arbitration. Any dispute or claim relating in any way to your use of this Site and DOLFIN Resource Center™ will be resolved by binding arbitration conducted under the Arbitration Rules of the American Arbitration Association (“AAA”) then in force (the “AAA Rules”). You and  the Company agree that the Federal Arbitration Act applies and governs the interpretation and enforcement of this provision (despite the choice of law provision above). The AAA Rules, as well as instructions on how to file an arbitration proceeding with the AAA, appear at https://adr.org/

(g) Notice. Except as otherwise provided in this Agreement, any notices or other communications contemplated or required under this Agreement, in order to be valid, shall be in writing and shall be given via personal delivery, overnight courier, or via U.S. Certified Mail, Return Receipt Requested. Notices to you will be sent to the address set forth in your User Account; notices to the Company shall be sent to Financial Integrity Network, LLC, c/o K2 Integrity, 845 Third Avenue, New York, NY 10022 Attn: General Counsel. All such notices shall be deemed given and effective on the day when delivered by overnight delivery service or certified mail.

(h) No Agency. Nothing in these Terms will be construed as making either party the partner, joint venture, agent, legal representative, employer, contractor, or employee of the other.

(i) Assignment. We may freely transfer or assign any portion of our rights or delegate our obligations under these Terms. You may not assign or otherwise transfer your rights, obligations, or duties under these Terms, in whole or in part, without our prior written consent, in our sole discretion. Any attempted transfer or assignment of these Terms without the prior written consent of  the Company will be null and void ab initio. These Terms will be binding upon and will inure to the benefit of the permitted successors and assigns of each party thereto.

(j) Entire Agreement. These Terms, our Privacy Policy, together with each Purchase Order, and/or the any separate agreement between the parties relating to use of this Site, as applicable, constitute the sole and entire agreement between you and  the Company with respect to the Site and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Site.

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