PLEASE READ THESE TERMS CAREFULLY BEFORE USING WEVEST OR ANY OTHER SERVICES.
ANY DISPUTE BETWEEN YOU AND US MUST BE RESOLVED BY INDIVIDUAL BINDING ARBITRATION. PLEASE READ THE ARBITRATION PROVISION IN THESE TERMS AS IT AFFECTS YOUR RIGHTS UNDER THESE TERMS.
NOTHING IN THESE TERMS IS INTENDED TO AFFECT YOUR RIGHTS UNDER THE LAW IN YOUR PLACE OF RESIDENCE. IF THERE IS A CONFLICT BETWEEN THOSE RIGHTS AND THESE TERMS, YOUR RIGHTS UNDER APPLICABLE LOCAL LAW WILL PREVAIL.
1. You and Us
Welcome to WeVest! Formally, we are WeVestApp.com, LLC (“WeVest”, “we”, “us” and “our”). WeVest is a subscription-based service and is meant to provide you with your information to allow you to organize and manage your finances.
We provide our services online (collectively, the “Services”). The Services include our site at http://www.WeVest.money (“WeVest Site”), our application for use on mobile devices (“WeVest App”), electronic mail, short message service (“SMS”) texts, and any other information communicated between you and us regardless of any technology now known or hereafter invented. The WeVest Site includes several subsidiary websites for the WeVest App, free calculators and other Services.
On the WeVest Site and in the WeVest App, we refer to individuals as a “member”, “user”, “you” or “your”. More formally, we use the term “user” or “you” or “your” to mean any user of our Services, whether or not the user has registered with us. We use the term “registered user” to refer to anyone who has registered with us. You may not register on behalf of another person. Any user who does not register with us is an “anonymous user”.
These Terms of Service (“Terms”) govern your access to and use of our Services. By accessing or using the Services you agree to be bound by these Terms as if these Terms were signed by you in ink on a hard-copy agreement. We may ask you to confirm that you agree to these terms, including by taking particular actions such as clicking a button labelled “I Agree”.
2. Services We Provide
WeVest is a personal finance information management service that allows you to consolidate and track your financial information, and project the growth of your net worth using rules of thumb and historical return information. WeVest relies on historical information to make projection estimates of future account values, although we will be the first to say that future results will invariably be different from historical results. WeVest is not responsible for future deviation from historical returns.
WeVest provides also provides peer group information to assist in benchmarking your financial position and to provide encouragement to improve your relative ranking. WeVest is not responsible for the accuracy of peer group information. In order to receive the most accurate peer group information, you need to provide a complete and accurate financial profile.
We offer financial account aggregation, where we, acting as your authorized agent, will retrieve your financial account information, such as your account balances, transactions and holdings, from financial institutions you designate. Financial account aggregation is an optional Service you may utilize by providing financial account credentials, allowing us to securely connect periodically with third party financial institutions to present your current financial information on our Services.
Your financial account information, collected through account aggregation or manual account information you provide, is used to display your consolidated financial picture. Financial visualizations include various charts, detailed transactional data and other financial account data that we present to you, summarizing your financial life at a glance.
Your financial account information, along with optional personal and financial information you may provide, are used to generate financial insights. We use your aggregated account data, along with stated assumptions or information you provide, to share important financial observations that can make you aware of your overall financial picture and opportunities to improve it.
3. Registered Users
You may register with our Services. Among other things, as a registered user you may store and process your information with us (“Personal Information”). In the future we hope to provide more options through our Services.
Please take precautions to protect your password and contact us at help@WeVest.money if you believe your account has been accessed by an unauthorized person.
You are responsible for safeguarding the password that you use to access the Services and for any activities or actions under your user name and password. Therefore, you must not share with or disclose your password to anyone. You should use a “strong” password, e.g., a password that is not a dictionary term or other known word, and combines numbers, upper case letters, lower case letters, and non-alphanumeric characters. However, you should be aware that passwords may be compromised no matter how strong the password.
Any information, text, graphics, photos or other materials uploaded, downloaded or appearing on our Services (other than Personal Information) are collectively referred to as “Content”. When you provide Content to us (“your Content”), you warrant to us that you have all rights necessary to provide your Content to us.
In addition to your Content, some of the Content on the Services is owned by us (“WeVest Content”), and by other people and entities (“Third Party Content”). You may use WeVest Content and Third Party Content for your personal use while you are a user of the Services. With the exception of your Content, you may not share any Content with any other person, Services or entity without the prior written permission of the owner of that Content (e.g., you would need to obtain the prior written permission of the third party that owns the Third Party Content prior to re-posting it to another website or sharing it with others).
We own the WeVest Content and the Services. You may not remove, alter or conceal any copyright, trademark, service mark or other proprietary rights notices in or accompanying the Services or any of the Content other than your Content. You may not reproduce, modify, adapt, prepare derivative works based on, perform, display, publish, distribute, transmit, broadcast, sell, license or otherwise exploit the Services or any Content other than your Content.
All Content, whether publicly posted or privately transmitted, is the sole responsibility of the person or organization that originates the Content. We do not monitor the Content posted via the Services. Except for WeVest Content, we will not be liable for any Content, including but not limited to any errors or omissions in any Content, or any loss or damage of any kind incurred arising out of the Content or any use of any Content.
Your use of or reliance on any Content or materials posted on the Services or obtained by you through the Services is at your own risk. We do not endorse, support, represent or guarantee the completeness, truthfulness, accuracy, or reliability of any Content or communications posted via the Services. We do not endorse any opinions expressed via the Services.
You understand that by using the Services, you may be exposed to Content that might be offensive, harmful, inaccurate or otherwise inappropriate, or in some cases, postings or Content that have been mislabeled or are otherwise deceptive.
For any Content you provide to us, you grant WeVest a nonexclusive, perpetual, irrevocable, worldwide, unlimited, assignable, sublicenseable, transferable, fully paid-up and royalty-free right and license to copy, prepare derivative works of, improve, distribute, publish, remove, retain, add, process, analyze, use and commercialize your Content in any form, format or process now known or hereafter discovered, via the Services or otherwise, including but not limited to any user-generated Content, ideas, concepts, techniques or data, without any further consent by you, and without any notice or compensation to you or to any third parties (“Content License”). Except for the Content License you grant to us, you retain the ownership or other rights you may have to your Content. Prior to providing us with your Content, you should retain a copy of your Content in a safe place accessible to you. As noted elsewhere in these Terms, the Content License does not apply to your Personal Information.
You are responsible for your use of the Services, for your Content, and for the consequences of what you do.
5. User “Do’s” and “Don’ts”
As a condition to your right to access and use the Services, you agree to these Terms and to strictly observe the following Do’s and Don’ts.
Do the following:
Do comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, export control laws, tax laws, and regulatory requirements. Please note that the applicable law will depend on where you are physically located, where we maintain our offices (currently in the United States), the physical location of where we store your data (currently in the United States), and, if you click on an advertisement or other Offer, the physical location of the Advertiser and the physical location where the Advertiser stores its data.
Do provide accurate information to us and update it as necessary.
Do review and comply with our Privacy Statement (and these Terms, of course).
Do review and comply with notices sent by us concerning the Services.
Don’t do the following:
Don’t act dishonestly, inappropriately or unprofessionally by posting inappropriate, inaccurate, or objectionable Content.
Don’t reverse engineer, decompile, disassemble, decipher or otherwise attempt to derive the source code for any underlying intellectual property contained or embedded in or used to provide the Services or WeVest Content, or any part thereof.
Don’t use software, devices, scripts, robots or other means or processes to access, “scrape,” “crawl” or “spider” any web pages or other part of the Services.
Don’t use “bots” or other automated methods to add or download Personal Information, Content, or send or redirect messages or other permitted activities other than through WeVest-sanctioned tools.
Don’t override any security component included in or underlying the Services.
Some parts of the Services are billed as subscription services (“Subscription”) in advance on a recurring basis (“Billing Cycle”). Billing cycles are set either on a monthly or annual basis. At the end of each Billing Cycle, your Subscription will automatically renew under the exact same conditions unless you cancel it or we cancel it. You may cancel your Subscription either through your online account management page or by contacting our customer support team at help@WeVest.money.
We currently accept payment by credit card or automated clearinghouse (“ACH”) transfer. By submitting your payment information, you authorize us, your bank, and our payment processor to charge you the Subscription fees.
Should your payment process fail to work, we will issue an electronic invoice. If we don’t receive payment by the due date, we may terminate your account
From time to time, we may offer a free trial of the Services for a limited period of time (“Free Trial”). You may be required to enter your billing information in order to sign up for the Free Trial. If you do enter your billing information when signing up for a Free Trial, you will not be charged by us until the Free Trial has expired. On the last day of the Free Trial period, unless you have cancelled your Subscription, you will automatically be charged the applicable Subscription fees for the type of Subscription you have selected.
At any time and without notice, we reserve the right to (i) modify the terms and conditions of any Free Trial offer, or (ii) cancel any Free Trial offer.
We may modify the fees for the Subscriptions at any time. Any Subscription fee change will become effective at the end of the then-current Billing Cycle. We will provide you with a reasonable prior notice of any change in Subscription fees to give you an opportunity to terminate your Subscription before a change in the Fees becomes effective. Your continued use of the Services after a Subscription fee change takes effect constitutes your agreement to pay the modified Subscription fee amount.
Except when required by law, paid Subscription fees are non-refundable.
7. How Old are You?
You must be at least 18 years old to use the Services. You warrant that you have the right, authority and capacity to enter into these Terms as a binding agreement.
If you are 17 years old or younger, please ask your parent or guardian to open and operate an account with us. If anyone under the age of 18 registers with us or provides any Content to us, the young person’s parent or guardian may contact us at one of the addresses listed below in the “Contact Us” section. We will delete the young person’s account and delete any Content provided by the young person.
As noted in our Privacy Statement, and subject to applicable data protection, privacy and security laws and regulations, we provide the Services from within the United States, and we currently store all personally-identifiable information (“Personal Information”) of registered users that we collect and retain on servers inside the United States.
If you are a user outside of the United States, and if you register with us, then you consent to our storing, processing, and otherwise using your Personal Information in compliance with United States law, and not the law of any other country.
Certain types of Content you submit to us might reveal your gender, ethnic origin, nationality, age, religion, sexual orientation, or other Personal Information about you or others. Each time you use our Services or submit Content or Personal Information to us, you confirm your consent to the collection, storage, processing and onward transfer of your Personal Information and any other Personal Information you submit, as further stated in the current version of these Terms and the current version of the Privacy Statement.
9. Our Rights
We reserve the right at all times (but will not have an obligation) to remove or refuse any Content on the Services, to suspend or terminate users and registered users, and to reclaim user names without liability to you. We also reserve the right to access, read, preserve, and disclose any Content, data or other information (including Personal Information) as we reasonably believe is necessary to (i) satisfy any applicable law, regulation, legal process or governmental request, (ii) enforce the Terms, including investigation of potential violations hereof, (iii) detect, prevent, or otherwise address fraud, security or technical issues, (iv) respond to user support requests, or (v) protect the rights, property or safety of WeVest, the Services, our users and the public.
10. Advertisements and Offers by Third Parties
Some parts of the Services are supported by sponsored links and offers (collectively, “Offers”) from advertisers and other third parties (collectively, “Advertisers”). The Services may display Offers to you that are based on your information stored in the Services, your queries made through the Services, or other information we have from you or about you. We may disclose when a particular Offer is sponsored or otherwise provided by an Advertiser.
In connection with Offers, we may provide links to other websites and services that may be owned by WeVest or by Advertisers. WeVest does not endorse, warrant or guarantee any goods or services available through the Offers, whether or not sponsored. WeVest is not an agent or broker or otherwise responsible for the Offers, and WeVest does not guarantee that any goods or services advertised or referenced in an Offer are actually the best goods and services for you or anyone else, or that the Advertiser will actually provide the goods and services stated in an Offer. We generally receive fees and other compensation from Advertisers for the Offers, which may affect the placement and availability of the Offers.
You may terminate your WeVest account for any reason or no reason, and at any time. To terminate your WeVest account, you may either delete your account from within the WeVest App or contact us at help@WeVest.money. Termination of your account will be effective upon our processing of the notice we received from you.
We may terminate your WeVest account and these Terms with you for any reason or no reason, at any time, with or without notice. Any termination by us shall be effective immediately or as may be specified in the notice.
We may restrict, suspend or terminate the account of any registered user, or block the access of any user or registered user, who abuses or misuses the Services. Misuse includes, among other things, registering under more than one identity, infringing any intellectual property rights, using any functionality, feature or capability of the Services to generate, support or transmit any form of spam, engaging in any behavior or activity that we asked you not to do, or any other behavior that we, in our sole discretion, deem contrary to the mission and purpose of WeVest and the Services.
Upon the termination of your WeVest account, you will lose access to some or all of the Services. We currently expect to delete all Personal Information in a WeVest account within three months of the date of termination, but that may change on a case-by-case basis. In addition, we may block access to the Services from an Internet Protocol (“IP”) address or range of IP addresses associated with those of terminated users or the device ID. Upon termination, all licenses and other rights granted to you by us in these Terms will immediately cease, but any licenses you have granted to us will survive termination regardless of the reason for such termination.
You agree to defend, indemnify and hold WeVest harmless from and against any claims, liabilities, damages, losses, and expenses, including without limitation, reasonable attorney’s fees and costs, arising out of or in any way connected with any of the following alleged activities: (i) your Content; any access to or use of the Services by you or anyone using your account; (iii) any alleged breach of these Terms; (iv) any breach, infringement, misappropriation or violation of any third-party right including without limitation any intellectual property right, publicity right, confidentiality, property right or privacy right; (v) your violation of any laws, rules, regulations, codes, statutes, ordinances or orders of any governmental and quasi-governmental authorities, including, without limitation, any regulatory, administrative and legislative authorities; or (vi) any misrepresentation made by you. We ask that you cooperate as reasonably requested by WeVest in the defense of any claim. WeVest reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, and you will not in any event settle any claim against WeVest without the prior written consent of WeVest, which consent WeVest may refuse in its sole discretion.
13. Copyright Policy
WeVest respects the intellectual property rights of others and expects users of our Services to do the same. We will respond to notices of alleged copyright infringement that comply with applicable law (including the Digital Millennium Copyright or “DMCA” at 17 U.S.C. §512) and are properly provided to us. If you believe that your Content has been copied in a way that constitutes copyright infringement, please review the DMCA to ensure your compliance before you send us any request to remove allegedly-infringing Content (“takedown notice”). Each takedown notice must be in English and include the following information:
- Identification of the copyrighted work claimed to have been infringed.
- Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled.
- Information reasonably sufficient to permit us to locate the material (e.g., a detailed uniform resource locator or “URL”).
- Your contact information, including your postal address, telephone number, and an email address.
- A statement by you that you have a good faith belief that use of the Content or other material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
- A statement that the information in the notice is accurate, and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.
- A physical or electronic signature of the copyright owner or a person authorized to act on their behalf.
On our receipt of a takedown notice, we may publish the takedown notice, or provide a copy of the takedown notice to the user that uploaded or provided the Content accused to be infringing (“Accused Content”). For any takedown notice that is subject to the provisions of the DMCA, the original provider of the Accused Content may have the right to send a notice to us (“counter notice”) demanding that the Accused Content be restored to the Services.
In compliance with the DMCA or other applicable law, we may implement any takedown notice by removing the Accused Content or other material from public view on the Services, and we may implement any counter notice by restoring the Accused Content or other material to public view on the Services.
Regardless of the DMCA or other applicable laws or regulations, we reserve the right to remove any Accused Content without prior notice, at our sole discretion, and without liability to you or anyone else. In appropriate circumstances, WeVest will also terminate a registered user’s account if we determine the registered user to be a repeat infringer. Our designated copyright agent for notice of alleged copyright infringement appearing on the Services is:
Attn: Copyright Agent, WeVestApp.com, LLC, 331 Newman Springs Road, Suite 143, Red Bank, New Jersey 07701, USA.
14. WeVest Does Not Provide Financial Advice
NEITHER WEVEST NOR THE SERVICES ARE INTENDED TO PROVIDE LEGAL, TAX OR FINANCIAL ADVICE. WEVEST IS NOT A FINANCIAL PLANNER, BROKER OR TAX ADVISOR. The Services are intended only to assist you in your financial organization and decision-making and are broad in scope. Your personal financial situation is unique, and any information and advice obtained through the Services may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant, tax advisor or other financial advisors who are fully aware of your individual circumstances.
15. Disclaimer of Warranties
SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED TERMS IN CONTRACTS WITH CONSUMERS AND AS A RESULT THE CONTENTS OF THIS SECTION MAY NOT APPLY TO YOU.
WE PROVIDE THE SERVICES AND ALL INFORMATION, INCLUDING THE CONTENT, ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DO NOT PROVIDE ANY EXPRESS WARRANTIES OR REPRESENTATIONS.
TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE DISCLAIM ANY AND ALL IMPLIED WARRANTIES AND REPRESENTATIONS, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT. IF YOU ARE DISSATISFIED OR FEEL HARMED BY WEVEST, THE SERVICES, OR ANYTHING RELATED TO THE SERVICES, YOU MAY CLOSE YOUR ACCOUNT AND STOP USING THE SERVICES, AS FURTHER STATED IN THE TERMINATION PROVISIONS OF THESE TERMS. TERMINATION IS YOUR SOLE AND EXCLUSIVE REMEDY.
WE NEITHER WARRANT NOR REPRESENT THAT YOUR USE OF THE SERVICES WILL NOT INFRINGE THE RIGHTS OF THIRD PARTIES.
WE DO NOT GUARANTEE THAT THE SERVICES WILL FUNCTION WITHOUT INTERRUPTION OR WITHOUT ERRORS. IN PARTICULAR, THE OPERATION OF THE SERVICES, INCLUDING THE WEVEST SITE AND WEVEST APPLICATION MAY BE INTERRUPTED DUE TO MAINTENANCE, UPDATES, OR SYSTEM OR NETWORK FAILURES. WE DISCLAIM ALL LIABILITY FOR DAMAGES CAUSED BY ANY SUCH INTERRUPTION OR ERRORS. FURTHERMORE, WE DISCLAIM ALL LIABILITY FOR ANY MALFUNCTIONS, IMPOSSIBILITY OF ACCESS, OR POOR USE CONDITIONS OF THE SERVICE DUE TO INAPPROPRIATE EQUIPMENT, DISTURBANCES RELATED TO INTERNET SERVICE PROVIDERS, TO THE SATURATION OF THE INTERNET OR ANY OTHER NETWORK, AND FOR ANY OTHER REASON.
16. Limitation of Liability
SOME REGIONS, COUNTRIES AND OTHER JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY IN CONTRACTS WITH CONSUMERS AND AS A RESULT THE CONTENTS OF THIS SECTION MAY NOT APPLY TO YOU.
Neither WeVest nor any of our subsidiaries, affiliated entities, officers, employees, members, directors or service providers (“WeVest Affiliates”) shall be liable for any damages in excess of the fees, if any, you paid WeVest during the calendar year in which such event is claimed to have occurred, or USD $100, whichever amount is greater.
Neither WeVest nor any WeVest Affiliates shall be liable for any special, incidental, indirect, punitive or consequential damages or loss of use, profit, revenue or data to you or any third person. This limitation of liability shall apply regardless of whether (i) you base your claim on contract, tort, statute or any other legal theory, (ii) we knew or should have known about the possibility of such damages, or (iii) the limited remedies provided in these Terms fail of their essential purpose.
17. General Provisions
Severability. If any provision of these Terms is found by an arbitrator or court of competent jurisdiction to be illegal, void, or unenforceable, the provision will be modified so as to render it enforceable and effective to the maximum extent possible in order to effect the intention of the parties with respect to the provisions within the context of the overall Terms. If a court or arbitrator finds the modified provision invalid, illegal, void or unenforceable, the validity, legality and enforceability of the remaining provisions of these Terms will not be affected.
Entire Agreement. These Terms, together with the Privacy Statement, which is incorporated herein by this reference as if set forth herein in its entirety, constitute the entire, complete and exclusive agreement between you and us regarding the Services, and supersede all prior agreements and understandings, whether written or oral, or whether established by custom, practice, policy or precedent, with respect to the subject matter of these Terms and the Privacy Statement. You also may be subject to additional terms and conditions that may apply when you use or purchase certain other WeVest Services, if applicable. You acknowledge that you have had the opportunity to review these Terms and our Privacy Statement with counsel of your choice.
Amendments to these Terms. We may modify the fees you pay on thirty days’ prior written notice. We reserve the right to modify, supplement or replace these Terms, effective upon prior written notice to the email address we have for you. If we have no email address for you, then the modified Terms will take effect thirty (30) days after we post them on our website at www.WeVest.money. Your use of the Services thirty days after any such update or modification shall confirm your agreement to the modified version of the Terms. If you do not want to agree to changes to the Terms, you may terminate your account with us, or otherwise terminate your use of the Services, prior to the modified Terms taking effect, in which case the prior set of Terms in effect as of the date of termination shall continue to control any disputes or other issues that may arise regarding your use of the Services. Only modifications, supplements or replacements of these Terms as stated in this provision shall be valid and effective to amend the Terms. Any other purported amendments shall be void and of no force or effect.
No Informal Waivers, Agreements or Representations. Any failure to act with respect to a breach of these Terms by one party does not waive the other party’s right to act with respect to that breach or subsequent similar or other breaches. Except as expressly and specifically contemplated by the Terms, no representations, statements, consents, waivers or other acts or omissions by either party or its affiliates shall be deemed legally binding unless expressly and specifically documented in a writing that refers to the Terms and states expressly the intent to modify or supplement the Terms.
Assignment and Delegation. You may not assign or delegate any rights or obligations under the Terms. Any purported assignment and delegation by you shall be ineffective. We may freely assign or delegate some or all of our rights and obligations under the Terms and Privacy Statement, effective on sending a notice to you at the email address we have for you, or if we have no email address for you, by posting a notice of assignment on the WeVest Site at www.WeVest.money.
18. Contact Us.
You may contact us via email at help@WeVest.money . Or via postal mail or courier at:
Attn: Law Department, WeVestApp.com, LLC, 331 Newman Springs Road, Suite 143, Red Bank, New Jersey 07702, USA.
19. Governing Law and Arbitration
These Terms and any action related thereto are governed by the law of the State of New Jersey, and the federal law of the United States of America, without regard to or application of any conflict of laws provisions or principles. Any dispute between us or arising out of these Terms, the Privacy Statement, their performance, or the Services shall be determined by one arbitrator in binding arbitration administered by the American Arbitration Association (“AAA”) pursuant to its current Arbitration Rules. The language of the arbitration shall be English. To accommodate parties and witnesses that may be distant from each other, each hearing shall be conducted and all testimony shall be entered by audio conference or video conference. The award of the arbitrator shall be final and binding on the parties, and may be entered and enforced in any court or other tribunal of competent jurisdiction.
20. Effective Date and History.
These Terms were last revised September 28, 2016.
Prior revisions of these Terms: