Site Access. Subject to your ongoing compliance with these Terms, FIN 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 FIN team through FINQuiry™ and Video FINCasts™. For an institutional user, FIN 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 FIN 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”.
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 FIN 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. FIN 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. FIN 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 FIN, 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 FIN 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 FIN.
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 FIN 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. FIN’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 User. Individual Subscription may be cancelled at any time via your User Account settings page or by emailing email@example.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 FIN, 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 FIN by calling +1.202.558.0960, or by emailing firstname.lastname@example.org.
Your Marks. As a subscription holder, you agree that FIN may use your logo and name for informational purposes only in marketing efforts, solely for the purpose of identifying you as a customer of FIN, 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 FIN or its licensors. FINtegrity™ DOLFIN™, DOLFIN Resource Center™ FINLibrary™, FIN Hub™, FINCasts™, FINQuiry™, and other FIN marks and logos are service marks and trademarks of FIN. 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 FIN. FIN 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 FIN 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.
Authority. You and FIN 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.
FIN 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. FIN 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.
FIN 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 FIN. FIN 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 FIN, 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 “FIN 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 FIN 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, FIN’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 FIN’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 FIN FOR ACCESS THE SITE IN THE THREE (3) MONTHS IMMEDIATELY PRIOR TO LIABILITY ARISING.
(b) Non-Waiver. Failure by FIN 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.
(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 FIN 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 FIN shall be sent to Financial Integrity Network, LLC, 1050 Connecticut Avenue NW Suite 680, Washington, D.C. 20036 Attn: Chief Legal Officer. 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 FIN 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.
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