Thank you for choosing the Julep mobile application and service to assist you in monitoring and managing your personal financial information to guide you in making better financial decisions. Please read these Terms carefully before using Our Service.
- INTERPRETATION AND DEFINITIONS
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
Definitions of specific words and phrases used in these terms may be found in Section 22 of these Terms. Any ambiguity stemming from any of the defined words and phrases shall be resolved using the definition(s) provided.
Unless otherwise indicated, these Terms apply to (i) Your use of and/or access to Julep’s mobile application and websites (the “Service” or “Services”), which are owned or operated by Julep including any portions thereof; and (ii) your use of and or access to any Content or information and other online or mobile-enabled technology, digital tools, and other services and products provided by Julep.
IF YOU ARE NOT WILLING TO BE OR CANNOT BE BOUND BY ALL OF THESE TERMS, INCLUDING WITHOUT LIMITATION THE FOLLOWING TERMS AND ACKNOWLEDGEMENT, THEN DO NOT ACCESS, BROWSE, OR USE THE SERVICES. MOREOVER, JULEP DOES NOT, AND WILL NOT, GRANT YOU ANY RIGHT OR LICENSE TO ACCESS, BROWSE, OR OTHERWISE USE THESE SERVICES WITHOUT YOUR WILLINGNESS AND ABILITY TO BE BOUND BY THESE TERMS.
IF YOU DO NOT ABIDE BY THE PROVISIONS OF THESE TERMS, EXCEPT AS WE MAY OTHERWISE PROVIDE FROM TIME TO TIME, YOU AGREE THAT WE MAY IMMEDIATELY DEACTIVATE OR DELETE YOUR USER ACCOUNT AND ALL RELATED INFORMATION AND FILES IN YOUR USER ACCOUNT AND/OR RESTRICT ANY FURTHER ACCESS TO SUCH INFORMATION AND/OR FILES, OR OUR SERVICES, WITH OR WITHOUT NOTICE.
You must exercise caution, good sense and sound judgment in using the Services. You are prohibited from violating, or attempting to violate, the security of the Services. Any such violations may result in criminal and/or civil penalties against you. Julep will investigate any alleged or suspected violations and if a criminal violation is suspected, We may contact and/or cooperate with law enforcement agencies in their investigations.
- User Agreement.
By using the Services, You accept these Terms and agree to be legally bound and to abide by the terms, conditions, and notices contained or referenced herein, just as if You had signed them. Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms. These Terms apply to all Authorized Users, visitors, and others who access or use the Service. By accessing or using the Service, You agree to be bound by these Terms. If You disagree with any part of these Terms then You may not access or use the Service.
- C. Changes to these Terms.
From time to time, We may, in Our sole discretion, change, modify, supplement or remove portions of these Terms (“Additional Terms”). Such Additional Terms shall become effective upon posting by the Company on the Website, the Mobile App, via the Service, or sending You an email or other notification. You will be deemed to have agreed to such Additional Terms by your decision to continue accessing the Mobile App, the Website or otherwise using any of the Services following the date in which such Additional Terms become effective.
- D. Modification of Services.
In Our sole discretion and without prior notice or liability, We may discontinue, modify or alter any aspect of the Services provided to you, including, but not limited to, (i) restricting the time the Services are available, (ii) restricting the amount of use permitted, (iii) restricting or terminating any user’s right to use the Services and (iv) changing any feature or functionality provided by the Services. You agree that any termination or cancellation of your access to, or use of, the Services may be affected without prior notice. Further, You agree that We shall not be liable to You or any third-party for any termination or cancellation of your access to, or use of, Our Services.
- E. Downloading Mobile App.
You may access the Mobile App which can be downloaded from an Application Store or other applications distribution platform. You acknowledge and agree that:
(i) these Terms are entered into between us, and not with the Application Store, and that We are solely responsible for the Mobile App (not the Application Store);
(ii) the Application Store has no obligation to furnish any maintenance and support services with respect to the Mobile App;
(iii) the Application Store is not responsible for addressing any claims You have or any claims of any third party relating to the Mobile App or your possession and use of the Mobile App, including, but not limited to:
(a) product liability claims;
(b) any claim that the Mobile App fails to conform to any applicable legal or regulatory requirement; and
(c) claims arising under consumer protection or similar legislation;
(iv) in the event of any third-party claim that the Mobile App or your possession and use of that Mobile App infringes that third party’s intellectual property rights, We will be responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim to the extent required by these Terms;
(v) the Application Store and its Affiliates or subsidiaries are third party beneficiaries of these Terms as it relates to your license of the Mobile App, and that, upon your acceptance of these Terms, the Application Store will have the right (and will be deemed to have accepted the right) to enforce these Terms as related to your access and use of the Mobile App against You as a third party beneficiary thereof; and
(vi) You must also comply with all applicable third-party terms of service when using the Services.
- F. Eligibility.
We do not permit individuals under 18 years of age to become registered users of Our Services. By using the Services, You represent and warrant that You are at least 18 years of age and have the right, authority and capacity to enter into these Terms and to abide by the Terms of these Terms.
- DESCRIPTION OF THE SERVICE
Julep is a personal finance information management service that allows You to consolidate and track your financial information and guides You to making better financial decisions, helping train your mindset and approach to managing and maintaining your personal financial health. We may present You information relating to third-party products or services that You may be interested in, as well as provide You general tips, recommendations, and educational material.
- Julep Is Not a Credit Repair Company, Credit Reporting Agency, or Advisor
(i) You acknowledge, agree, and confirm that Julep is not a credit repair company or similarly regulated organization under applicable laws, and does not provide credit repair services. Where available, information provided via the Services is for your educational and reference purpose only. The Services are intended to provide You with general information and are not intended to provide legal, tax or financial advice. We do not provide any services to repair or improve your credit profile or credit score, nor do We provide any representation that the information We provide will actually repair or improve your profile. Consult the services of a competent licensed professional when You need any type of this assistance.
(ii) You acknowledge, agree, and confirm that Julep is not a “consumer reporting agency” as that term is defined in the Fair Credit Reporting Act as amended.
(iii) You also acknowledge, agree, and confirm that Julep does not provide financial advice or instruction, and it should not be construed as doing so. All fiduciary relationships are explicitly disclaimed (see Section XVII).
- Subscription Levels
This Service shall be accessible by a paid subscription that fall within one of three categories, defined as follows:
(i) Basic. This service gives users access to all features of Our app except AI Coaching. This service allows for an initial seven (7) day trial period, during which no fees shall be assessed, and at the end of which, the Service shall be automatically renewed into the paid Basic subscription.
(ii) Personal Premium. This service gives Users access to all available features, including AIcoaching. All fees are to be paid by the User.
(iii) Business. This service gives Users access to all available features except AI coaching. All fees are to be paid by a third party on behalf of the User.
Whether during the free trial or after the start of your paid subscription, You (or the third party of a Business Subscription) are responsible for all charges and fees associated with connecting to and using the Website and/or Mobile App, including without limitation all internet connections, access lines (including mobile data and data roaming charges, when applicable), telephone and/or internet service provider fees, telephone and computer equipment, sales taxes, and any other fees and charges necessary to access Our Website and/or Mobile App.
- FEES, RENEWAL, CANCELLATIONS & REFUND POLICIES
For any portion of the Services offered on a payment or subscription basis, the following terms apply, unless Julep otherwise notifies You in writing. This Agreement also incorporates by reference and includes any program ordering and/or payment terms provided to You in connection with the Services.
- Agreement to Pay.
Payments will be billed to You in U.S. dollars, and your account will be debited when your free trial has concluded using the payment information entered for Your subscription, unless stated otherwise in the app or program ordering or payment terms on the website for the third-party payment service provider. Payments must be made by valid credit/debit card acceptable to Julep, direct debit from a linked checking or savings account with sufficient funds, or another payment method provided to You by Julep.
By entering your payment information and submitting your subscription, You authorize Julep and/or any third-party payment processor utilized by Julep to charge the subscription amount to your selected payment method. You should be aware that online payment transactions are subject to validation checks by Our payment processor and your card issuer. Julep is not responsible if your card issuer declined to authorize payment for any reason. For your protection, Our payment processor uses various fraud prevention protocols and industry standard verification systems to reduce fraud, and You authorize it to verify and authenticate your payment information. It is also possible that your card issuer may charge You an online handling fee or processing fee. Julep is not responsible for this processing fee. In some jurisdictions, Our payment processor may use third party service providers who are under strict confidentiality and data protection requirements for the purposes of payment processing services. Julep may also change its payment processor without notice to you. If your payment and registration information is not accurate, current, and complete and You do not notify Us promptly when such information changes, We may suspend or terminate your account and access to the Services. If You do not notify Us of updates to your payment method (e.g., credit card expiration date), to avoid interruption, We may participate in programs supported by your card provider (e.g., updater service, recurring billing programs, etc.) to try to update payment information, and You authorize Us to continue billing your account with updated information that We obtain.
(i) Personal Subscription. If You are a Personal Subscription User, You will be responsible for the fixed and periodic charges and fees (including prepayment plan fees for multiple periods or recurring monthly fees) You selected at the time of subscription. Applicable taxes, and other charges and fees incurred in order to access the Premium Services may also apply.
(ii) Business Subscription. Business Subscriptions are generally purchased by a Business Customer and such Business Customer generally provides You with a unique activation code that allows You to access the Services for a specified period. In such instance, your access to the Services has been paid for by Our Business Customer, and You will be able to use the Service and any additional features the Business Customer has licensed until the expiration of a specified term agreed upon between Julep and such Business Customer.
Unless your Services have been paid for by one of Our Business Customers, your Service membership will automatically be extended for successive renewal periods of the same duration selected at the time of your purchase, at the then-current non-promotional subscription rate. Until You cancel, We will charge or debit your payment method at the beginning and renewal of your subscription. Your non-cancellation of the Services or continued use of the paid subscription features of the Service will reaffirm that We are authorized to charge you. If your credit or debit account has been closed or your payment method is otherwise invalid, your subscription may not renew and your subscription will be cancelled or automatically downgraded to a free Service if We offer a free Service at the time of the end of your current billing cycle. The renewal charge will generally be the same as the prior period’s charge, unless We notify You in advance at the time of sign up or prior to the beginning of the renewal period as described above. If (i) You purchased a multiple-period prepayment plan or (ii) You were eligible for a promotional rate but are no longer eligible for that rate, then your subscription will be renewed at Our then-current non-promotional subscription rates at the start of the renewal period. If You wish to renew, and We are currently offering promotional rates at such time, You must renew your subscription prior to the termination of your current plan. If You fail to renew your subscription for any Services before its scheduled expiration date, then the then-current non-promotional subscription rate will apply.
- Cancellation of Personal Premium Service Subscription.
You can cancel your subscription for one or Our Services at any time directly through the relevant application store where You downloaded Julep, or by such other means as We may provide from time to time. We will attempt to process all cancellation requests within 72 hours after We receive your request. We reserve the right to collect fees, surcharges, or costs incurred before your cancellation takes effect. If You terminate your paid subscription for Premium Service, your subscription will remain active until the end of your then-current subscription period.
- Membership through Business Customers.
For Business Premium Services users, the Business Customer paying for your Business Premium Service subscription controls such an account (which may be different from your personal account) and may terminate your access to it. You agree that We will not be liable to You or any third-party for any termination or cancellation of your access to, or use of, the Services that were originally provided to You through or paid for by such Business Customer. If you had a Premium Service subscriptions paid through a Business Customer but You are no longer eligible to receive such benefit from the Business Customer, it is also possible that your Premium Service account will terminate with us, and You will have to sign up for a new account.
We reserve the right to revise the terms of the fees charged and/or the cancellation and refund policies, upon reasonable advance notice communicated to You through a posting on the Website and/or Mobile App or such other means as We may deem appropriate from time to time (including electronic mail or conventional mail). Any changes made will apply to all memberships created or renewed after the date such change was implemented.
- PRIVACY AND USE OF YOUR PERSONAL INFORMATION
By providing an email address in connection with the Services, You verify that You are the current subscriber or owner of that address. In addition, You expressly agree that Julep and its Affiliates may contact You by email, telephone, text message, or notifications within the Mobile App, for various purposes including verifying your identity, providing You with important notices regarding your account or use of the Services, fulfilling yours requests, or letting You know about promotions or Julep services We think may be of interest to You. Your consent to receive notifications is completely voluntary, and You may opt out any time. You acknowledge that if You do not opt out, We may contact You even if your number is listed on a do-not-call list or if You cancel your account or terminate your relationship with us. You do not have to agree to receive promotional calls or texts as a condition of purchasing any goods or services.
You understand and agree, for any notifications or text messages sent to You in connection with the Services, that:
(i) message frequency may vary;
(ii) message and data rates may apply, and Julep is not responsible for these charges;
(iii) You may reply HELP for information;
(iv) You can reply STOP to opt out at any time (though if You do, You agree to receive a single message confirming your opt-out); and
(v) neither Julep nor mobile carriers involved in the text messaging are liable for delayed or undelivered messages.
You also acknowledge and agree that Your telephone calls to or from Julep may be monitored and recorded. You must notify Us immediately of any breach of security or unauthorized use of your telephone. Although We will not be liable for losses caused by any unauthorized use of your telephone, You may be liable for Our losses due to such unauthorized use.
- USER ACCOUNT AND SECURITY
In connection with your use of certain features of the Services, You will be required to complete a registration form. You represent and warrant that all user information You provide on the registration form or otherwise in connection with your use of the Services will be current, complete and accurate. As a registered user of the Services, You are entirely responsible for maintaining the confidentiality of your user account information. You may not use the account or username of any other member of our Services at any time. You must notify Us immediately in the event of any known or suspected unauthorized use of Your user account, or any known or suspected breach of security, including loss, theft, or unauthorized disclosure of your or anyone else’s user account information.
You are also entirely responsible for any and all activities which occur under Your user account. We will not be liable for any loss that You incur as a result of someone else using Your account, either with or without Your knowledge. You may also be held liable for any losses incurred by Julep, its Affiliates, officers, directors, employees, consultants, agents and representatives due to someone else’s use of Your account.
You further agree as follows:
- Account and Subscription Data.
We employ a third-party financial account information processor (currently Plaid (www.plaid.com)) who collects and stores your financial account information. Julep does not personally store your financial account information. However, Julep stores an anonymized token from Plaid which is used to retrieve your account balances and transactions from your financial accounts. You may also enter specific information about other financial accounts not accessible through our third-party financial account information provider. We will also employ a third-party billing processor for processing your subscription payment who collects and stores your billing information. Julep does not personally store your credit card or billing information. You agree to provide our third-party billing processor with true, accurate and complete information as required by the subscription or sign-up process to the paid Service (“Subscription Data”).
You agree to maintain and promptly update the Subscription Data and any other information You provide to Us or our third-party providers to keep it accurate. Without limiting any other provision of these Terms, if You provide any information that is untrue, inaccurate, or incomplete, or We have reasonable grounds to suspect that such is the case, We reserve the right to suspend or terminate your user account or subscription and refuse any and all current or future use by You of the Services (or any portion thereof). You are obligated to check whether your Subscription Data is current and accurate, and, if not, to correct or update your Subscription Data.
- One Account Per User.
You agree not to register or subscribe for more than one account, create an account on behalf of someone else, or create a false or misleading identity in related to the Service. If your registration or subscription is revoked for any reason, You agree not to register or subscribe again with Our Services using another user name or through any other means. If We have reason to suspect, in Our sole discretion, that your account has previously been terminated, We reserve the right to terminate any new accounts You have registered without any notice to you, or to exercise any other remedies available to Us under these Terms or by law.
- Joint Accounts.
Julep may provide shared accounts for couples or family members who share access to joint bank accounts and/or other financial account (“Shared Account”). Upon signing up for a Shared Account, you and the other user agree that information within the Shared Account will be shared and visible to the user with whom you are sharing your Shared Account. Users of a Shared Account will access all Services affiliated with said account via each User’s individual account, username and password. User’s may be able to select which financial accounts and information from their individual account are shared within the Shared Account.
- CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS
- Legal Communications.
- Service Announcements.
In using the Services, You may receive periodic electronic communications from Julep regarding the Services, such as new product offers and other information regarding the Website and/or the Mobile App, which are part of the Services and which You cannot opt out of receiving.
- Surveys and Feedback.
In order to continually improve Our software and Your user experience, you agree to receive periodic emails requesting your participation in various surveys or asking for your feedback on your user experience. Participation is completely voluntary, and you can opt-out of receiving these requests at any time by (a) following the unsubscribe instructions contained in each message; or (b) changing the messaging preferences in your account.
- Promotional Communications.
You may also receive periodic promotions and other offers or materials Julep believes might be of interest to you. These may include promotions or offers from third-party businesses. You can opt-out of receiving these promotional messages at any time by (a) following the unsubscribe instructions contained in each message; or (b) changing the messaging preferences in your account.
- E. Business Customer Communications.
- F. Withdrawing Your Consent.
If You later decide that You do not want to receive future Communications electronically, please send an email to email@example.com. Your withdrawal of consent shall be effective within a reasonable time after We receive your withdrawal notice described above. Your withdrawal of consent will not affect the legal validity or enforceability of the Terms provided to, and electronically signed by, You prior to the effective date of your withdrawal. If You withdraw your consent to receive Communications electronically, We may terminate your account and/or access to the Service (or any part thereof).
- LIMITED LICENSE
Subject to your continued compliance with these Terms, including without limitation the timely payment of all applicable fees, We grant You a non-exclusive, non-transferable, non-sublicensable, fully revocable, limited license to access and use the Services (whether through the Website or by downloading and installing the Mobile App, including any updates and bug fixes). Your use is limited for your personal, noncommercial use only.
The Services, or any portion thereof, may not be reproduced, duplicated, copied, modified, sold, resold, distributed, visited, or otherwise exploited for any commercial purpose without the express written consent of Julep. Furthermore, except for the limited rights granted in this Section, You will not (and will not encourage or assist any third party to):
(i) modify, alter, tamper with, repair or otherwise create derivative works, in whole or in part, of the Services or any software or technology included in or used or distributed by Julep to provide the Services; or
(ii) reverse engineer, disassemble or decompile, in whole or in part, the Services, or attempt to discover or recreate the source code, in whole or in part, for the Services.
- RESTRICTIONS ON USE OF CONTENT
You acknowledge that Our Services contain Content that is protected by copyrights, patents, trademarks, trade secrets and/or other proprietary rights, and that these rights are valid and protected in all forms, media and technologies existing now or hereafter developed. All Content is copyrighted under the United States copyright laws (and, if applicable, similar foreign laws), and We own a copyright in the selection, coordination, arrangement and enhancement of such Content. All trademarks appearing on the Services are trademarks of Julep or Our third-party partners.
Our commercial partners, suppliers, advertisers, sponsors, licensors, contractors and other third parties may also have additional proprietary rights in the Content which they make available on Our Services. You may not modify, publish, transmit, distribute, perform, participate in the transfer or sale, create derivative works of, or in any way exploit, any of the Content, in whole or in part. When Content is downloaded to your computer, phone, tablet or any other mobile device, You do not obtain any ownership interest in such Content. Modification of the Content or use of the Content for any other purpose, including, but not limited to, use of any Content in printed form or on any other applications or networked computer environment is strictly prohibited unless You receive Our prior written consent.
We may at any time suspend your use of the Services and/or remove or disable any Content as to which We reasonably and in good faith believe is in violation of any of these Terms. We will provide You with notice of any such suspension or disablement before its implementation unless such suspension or disablement is necessary to comply with legal process, regulation, order or prevent imminent harm to the Services or any third party, in which case We will notify You to the extent allowed by applicable law of such suspension or disablement as soon as reasonably practicable thereafter.
- USER CONTENT
“User Content” is any content, materials or information (including without limitation, any text, information, graphics, messages, photos, images, and works of authorship kind), data, questions, comments, suggestions or other content, including personally identifiable information that You upload, send, email, display, perform, distribute, post, or otherwise transmit to Us, at Our request or on your own, on, or through the Services, in connection with your use of the Services, and whether publicly posted or privately transmitted.
You represent and warrant that, when using the Services, You will obey the law and respect the intellectual property rights of others. Your use of the Services is at all times governed by, and subject to, laws regarding copyright ownership and use of intellectual property generally. You agree not to upload, post, transmit, display, perform, or distribute any content, information, or other materials in violation of any third party’s copyrights, trademarks, or other intellectual property or proprietary rights, or rights or publicity or privacy, or in violation of any applicable law or regulation.
YOU SHALL BE SOLELY RESPONSIBLE FOR ANY VIOLATIONS OF ANY LAWS AND FOR ANY INFRINGEMENTS OF THIRD-PARTY RIGHTS CAUSED BY USER CONTENT PROVIDED BY YOU THROUGH YOUR USE OF THE SERVICES. YOUR BEAR THE SOLE BURDEN OF PROVING THAT SUCH USER CONTENT, INFORMATION, OR OTHER MATERIALS DO NOT VIOLATE ANY LAWS OR THIRD-PARTY RIGHTS.
- Grant of License.
You hereby grant Julep, its directors, officers, employees, agents, Affiliates, representatives, service providers, partners, sublicensees, successors, and assigns (collectively, the “Julep Parties”) a royalty-free, perpetual, irrevocable, sublicensable, assignable, non-exclusive right (including any moral rights) and license (as well as consent) to use, license, reproduce, modify, adapt, publish, translate, transmit, edit, reformat, create derivative works from, distribute, derive revenue or other remuneration from, communicate to the public, perform, display and otherwise use any User Content (in whole or in part and with or without the use of your name) worldwide and/or to incorporate the User Content in other works in any form, media, or technology now known or later developed, for the full term of any copyrights, trademarks and other intellectual and proprietary rights (collectively, the “Rights”) that may exist in such User Content.
We are not responsible for maintaining a copy of any material, data, or User Content We remove from Our Services, and We are not liable for any loss You incur in the event that User Content You transmit to Our Services is removed.
Julep reserves the right to:
(i) remove, suspend, edit, or modify any User Content in its sole discretion at any time, without notice to You and for any reason (including, but not limited to, upon receipt of claims or allegations from third parties or authorities relating to such User Content or if Julep is concerned that You may have violated these Terms), or for no reason at all; and
(ii) to remove, suspend or block any User Content.
Julep also reserves the right to access, read, preserve, and disclose any information as Julep reasonably believes is necessary to:
(i) satisfy any applicable law, regulation, legal process or governmental request;
(ii) enforce these 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 Julep, its users and the public.
You acknowledge that all User Content is the sole responsibility of the person who made such User Content. This means that You are entirely responsible for all User Content that You send, display or otherwise transmit to the Website, the Mobile App, or provide through or to the Services.
JULEP DISCLAIMS ANY PERCEIVED, IMPLIED OR ACTUAL DUTY TO MONITOR ANY USER CONTENT, AND SPECIFICALLY DISCLAIMS ANY RESPONSIBILITY OR LIABILITY FOR INFORMATION PROVIDED HEREIN. UNDER NO CIRCUMSTANCES WILL WE BE LIABLE IN ANY WAY FOR ANY USER CONTENT (OTHER THAN FOR CONTENT DEVELOPED BY US), INCLUDING, BUT NOT LIMITED TO, FOR ANY ERRORS OR OMISSIONS IN ANY USER CONTENT, OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY USER CONTENT POSTED, EMAILED OR OTHERWISE TRANSMITTED TO OR THROUGH THE SERVICES.
- THIRD-PARTY WEBSITE CONTENT
Certain Content provided through the Services include links to websites of third parties (“Third-Party Websites”), some of whom may have established relationships with Julep and some of whom may not. We do not have control over the content and performance of Third-Party Websites.
JULEP HAS NOT REVIEWED, AND CANNOT REVIEW OR CONTROL, ALL OF THE MATERIAL, INCLUDING COMPUTER SOFTWARE OR OTHER GOODS OR SERVICES, MADE AVAILABLE ON OR THROUGH THIRD-PARTY WEBSITES AND DOES NOT ENDORSE (AND IS NOT RESPONSIBLE OR LIABLE FOR) ANY CONTENT, ADVERTISING, PRODUCTS, OR OTHER MATERIALS ON OR AVAILABLE FROM SUCH THIRD-PARTY WEBSITES. ACCORDINGLY, JULEP DOES NOT REPRESENT, WARRANT, OR ENDORSE ANY THIRD-PARTY WEBSITE, OR THE ACCURACY, CURRENCY, CONTENT, FITNESS, LAWFULNESS, OR QUALITY OF THE INFORMATION OR MATERIAL, GOODS, OR SERVICES AVAILABLE THROUGH THIRD-PARTY WEBSITES. JULEP DISCLAIMS, AND YOU AGREE TO ASSUME, ALL RESPONSIBILITY AND LIABILITY FOR ANY DAMAGES OR OTHER HARM, WHETHER TO YOU OR TO THIRD PARTIES, RESULTING FROM YOUR USE OF OR RELIANCE ON, ANY CONTENT, ADVERTISEMENTS, PRODUCTS, OR OTHER RESOURCES AVAILABLE ON ANY THIRD-PARTY WEBSITES (REGARDLESS OF WHETHER WE DIRECTLY OR INDIRECTLY LINK TO SUCH CONTENT, ADVERTISEMENTS, PRODUCTS OR OTHER RESOURCES).
YOU AGREE THAT, WHEN LINKING TO OR OTHERWISE ACCESSING OR USING A THIRD-PARTY WEBSITE, YOU ARE RESPONSIBLE FOR:
(i) TAKING PRECAUTIONS AS NECESSARY TO PROTECT YOU AND YOUR COMPUTER SYSTEMS FROM VIRUSES, WORMS, TROJAN HORSES, MALICIOUS CODE AND OTHER HARMFUL OR DESTRUCTIVE CONTENT;
(ii) ANY DOWNLOADING, USE OR PURCHASE OF MATERIAL THAT IS OBSCENE, INDECENT, OFFENSIVE, OR OTHERWISE OBJECTIONABLE OR UNLAWFUL, OR THAT CONTAINS TECHNICAL INACCURACIES, TYPOGRAPHICAL MISTAKES AND OTHER ERRORS;
(iv) ALL FINANCIAL CHARGES OR OTHER LIABILITIES TO THIRD PARTIES RESULTING FROM TRANSACTIONS OR OTHER ACTIVITIES; AND
- DISCLAIMER OF FIDUCIARY RELATIONSHIP
Coaching Service Disclaimer. If You are a Premium Service user, You may have access to AI-based coaching services (“Coaching Service”).
The services provided by Our Coaching Service are not financial advice, and should not be considered as such. Our Coaching Service will give general thoughts, tips, and decision-making strategies, but will not offer specific direction based on Your specific financial situation. Likewise, any groups led by a Our Coaching Service are designed to provide individuals with education, information, and personal support from the AI-based Coach regarding your financial-related issues and goals. However, the Coaching Service is not allowed to use the Coaching Service to engage in rendering any type of specific or direct financial advice for any individual or for his or her particular situation. All use of and decisions based on the information offered by the Coaching Service is at Your sole discretion. If You are seeking specific financial advice based on your specific financial situation, We highly recommend that You seek out a professional financial advisor. Under no circumstances will any of your interactions with the Coaching Service or any User of the Services be deemed or construed to create a fiduciary duty on the party Julep of any kind whatsoever.
YOU ARE SOLELY RESPONSIBLE FOR YOUR INTERACTIONS WITH COACHES AND/OR OTHER MEMBERS WHEN USING THE SERVICES.
- RISK ASSUMPTION; YOUR INTERACTIONS WITH OTHERS ON THE WEBSITES AND/OR MOBILE APPS
JULEP EXPRESSLY DISCLAIMS ANY AND ALL LIABILITY THAT MAY ARISE FROM, OR IN CONNECTION WITH, YOUR USE OF THE SERVICES AND PARTICIPATION IN ANY OTHER ACTIVITIES OFFERED IN THE SERVICES, INCLUDING, WITHOUT LIMITATION, YOUR PARTICIPATION WITH ANY COACH OR WITH ANY JULEP GROUP. YOU KNOWINGLY AND FREELY ASSUME ALL RISK WHEN USING THE SERVICES.
YOU ARE SOLELY RESPONSIBLE FOR YOUR INTERACTIONS WITH OTHER MEMBERS. YOU ACKNOWLEDGE AND UNDERSTAND THAT JULEP IS NOT OBLIGATED IN ANY WAY TO (A) SCREEN ITS MEMBERS, (B) INQUIRE INTO THE BACKGROUNDS OF ITS MEMBERS, OR (C) REVIEW OR VERIFY THE STATEMENTS OF ITS MEMBERS, INCLUDING WITHOUT LIMITATION INFORMATION OR REPRESENTATIONS CONTAINED IN PUBLIC PROFILES. YOU HEREBY AGREE TO EXERCISE REASONABLE PRECAUTION IN ALL INTERACTIONS WITH OTHER MEMBERS, PARTICULARLY IF YOU DECIDE TO MEET ANOTHER MEMBER IN PERSON. JULEP DOES NOT REPRESENT, WARRANT, ENDORSE, OR GUARANTEE THE CONDUCT OF ITS MEMBERS OR THEIR COMPATIBILITY WITH YOU.
- DISCLAIMERS OF WARRANTIES
The Service is provided to You “AS IS” and “AS AVAILABLE” and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory, or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage, or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind, that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards, or be error free or that any errors or defects can or will be corrected.
Without limiting the foregoing, neither the Company nor any of the Company’s provider makes any representation or warranty of any kind, express or implied:
(i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon;
(ii) that the Service will be uninterrupted or error-free;
(iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or
(iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.
Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.
- THIRD-PARTY PRODUCTS, SERVICES, AND DATA COLLECTION
JULEP DISCLAIMS, AND YOU AGREE TO ASSUME, ALL RESPONSIBILITY AND LIABILITY FOR ANY DAMAGES OR OTHER HARM, WHETHER TO YOU OR TO THIRD PARTIES, RESULTING FROM (I) YOUR USE OF OR RELIANCE ON, ANY CONTENT, ADVERTISEMENTS, PRODUCTS, OR OTHER RESOURCES AVAILABLE ON ANY SUCH SERVICES OR RESOURCES (REGARDLESS OF WHETHER WE DIRECTLY OR INDIRECTLY LINK TO SUCH CONTENT, ADVERTISEMENTS, PRODUCTS, OR OTHER RESOURCES); OR (II) YOUR INFORMATION COLLECTED OR USED BY THIRD-PARTY SERVICE PROVIDERS.
- LIMITATION OF LIABILITY
YOU EXPRESSLY UNDERSTAND AND AGREE THAT IN NO EVENT SHALL JULEP, ITS AFFILIATES, OR ANY OF ITS OR THEIR RESPECTIVE THIRD-PARTY SERVICE PROVIDERS, LICENSORS, AND SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY OTHER DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), ARISING OUT OF, OR RESULTING FROM:
(i) THE USE OR THE INABILITY TO USE THE SERVICES;
(ii) THE USE OF ANY CONTENT OR OTHER MATERIAL ON THE WEBSITE, OUR MOBILE APP, OR ANY OTHER APPLICATIONS LINKED TO OUR MOBILE APP:
(iii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION, OR SERVICES PURCHASED OR OBTAINED, OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICES;
(iv) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA;
(v) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON OUR SERVICES; OR
(vi) ANY OTHER MATTER RELATING TO THE SERVICES.
YOU, ON BEHALF OF YOURSELF, YOUR PERSONAL REPRESENTATIVES, AND YOUR HEIRS, HEREBY VOLUNTARILY AGREE TO RELEASE, WAIVE, DISCHARGE, HOLD HARMLESS, DEFEND, AND INDEMNIFY JULEP, ITS AFFILIATES, AND ANY OF JULEP’S AND ITS AFFILIATES’ OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, AGENTS, AFFILIATES, REPRESENTATIVES, SUBLICENSEES, SUCCESSORS, AND ASSIGNS FROM ANY AND ALL CLAIMS, ACTIONS, OR LOSSES FOR BODILY INJURY, PROPERTY DAMAGE, WRONGFUL DEATH, EMOTIONAL DISTRESS, LOSS OF SERVICES, OR OTHER DAMAGES OR HARM, WHETHER TO YOU OR TO THIRD PARTIES, WHICH MAY RESULT FROM YOUR USE OF THE SERVICES.
YOU UNDERSTAND AND AGREE THAT THE CANCELLATION OR TERMINATION OF YOUR SUBSCRIPTION IS YOUR SOLE RIGHT AND REMEDY WITH RESPECT TO ANY DISPUTE WITH US INCLUDING, WITHOUT LIMITATION, ANY DISPUTE RELATED TO, OR ARISING OUT OF:
(i) THESE TERMS OR OUR ENFORCEMENT OR APPLICATION THEREOF;
(iii) THE CONTENT AVAILABLE THROUGH THE WEBSITE AND/OR MOBILE APP OR ANY CHANGE IN CONTENT PROVIDED THROUGH THE WEBSITE AND/OR MOBILE APP THROUGH THE SERVICES;
(iv) YOUR ABILITY TO ACCESS AND/OR USE OUR WEBSITE AND/OR MOBILE APP; OR
(v) THE AMOUNT OR TYPES OF OUR FEES OR CHARGES, SURCHARGES, APPLICABLE TAXES, OR BILLING METHODS, OR ANY CHANGE TO OUR FEES OR CHARGES, APPLICABLE TAXES, OR BILLING METHODS.
THE MAXIMUM LIABILITY OF JULEP AND ITS AFFILIATES AND ITS OR THEIR RESPECTIVE THIRD-PARTY SERVICE PROVIDERS, LICENSORS AND SUPPLIERS TO YOU UNDER ALL CIRCUMSTANCES FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE) SHALL NOT EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING OUR SERVICES. IF ANY PORTION OF THIS LIMITATION OF LIABILITY IS FOUND TO BE INVALID, LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW. YOU AGREE THAT THIS LIMITATION OF LIABILITY REPRESENTS A REASONABLE ALLOCATION OF RISK AND IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN JULEP AND YOU. THE SERVICES WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS.
- INTELLECTUAL PROPERTY
You acknowledge and agree that the Services and all intellectual property rights associated therewith are, and shall remain, the property of Julep (and, where applicable, its licensors). Furthermore, You acknowledge and agree that the source and object code of the Website and/or Mobile App and the format, directories, queries, algorithms, structure and organization of the Website and/or Mobile App are the intellectual property and proprietary and confidential information of Julep and its Affiliates, licensors and suppliers. Except as expressly stated in these Terms, You are not granted any intellectual property rights in or to the Services by implication, estoppel or other legal theory, and all rights in and to the Services not expressly granted in these Terms are hereby reserved and retained by Julep.
Julep, www.julep.app, Jules, and the Julep logo (collectively, the “Julep Marks”) are trademarks or registered trademarks of Julep Wellness, Inc. Other trademarks, service marks, graphics, logos, and domain names appearing on the Website, Mobile App, or in other Content provided to You may be the trademarks of third-parties. Neither your use of the Services, nor these Terms, grant You any right, title, or interest in or to, or any license to reproduce or otherwise use, the Julep Marks or any third-party trademarks, service marks, graphics, logos, or domain names. You agree that any goodwill in the Julep Marks generated as a result of your use of the Services will inure to the benefit of Julep Wellness, Inc., and You agree to assign, and hereby do assign, all such goodwill to Julep Wellness, Inc. You shall not at any time, nor shall You assist others to, challenge Julep’s right, title, or interest in or to, or the validity of, the Julep Marks.
- Copyrighted Materials; Copyright Notice.
All content and other materials available through the Services, including without limitation the Julep logo, design, text, graphics, and other files, and the selection, arrangement, and organization thereof, are either owned by Julep or are the property of Julep’s licensors and suppliers. Except as explicitly provided, neither your use of the Services nor these Terms grant You any right, title, or interest in or to any such content or materials.
- Copyright Complaints.
We respect the intellectual property of others, and We ask Our users to do the same. We may, in appropriate circumstances and in Our discretion, terminate the rights of any user to use Our Services (or any part thereof) who infringes the intellectual property rights of others. The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If You have evidence, know, or have a good faith belief that your work has been copied in a way that constitutes copyright infringement or are aware of someone doing so, please contact Us and include the following information:
(i) a physical or electronic signature of the owner of the copyright or a person authorized to act on behalf of the owner;
(ii) identification of the copyrighted work claimed to have been infringed (or if multiple copyrighted works located on the Website and/or Mobile App are covered by a single notification, a representative list of such works);
(iii) identification of the material that is claimed to be infringing or the subject of infringing activity, and information reasonably sufficient to allow Us to locate the material on Our Website and/or Mobile App;
(iv) your name, mailing address, telephone number, and email address;
(v) a statement by You that You have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
(vi) a statement by You that the information in your notification is accurate, and that You attest, under penalty of perjury, that You are the copyright owner or that You are authorized to act on the copyright owner’s behalf.
If You believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits You to send Us a counter-notice. Notices and counter-notices with respect to the Services should be sent to Our designated agent for notice of claims of copyright infringement: Julep Wellness, Inc., P.O. Box 661, Vienna, Virginia 22183, or via email at firstname.lastname@example.org.
Without limiting any indemnification provisions of these Terms, You agree to indemnify, hold harmless and, at Our option, defend Julep and Our Affiliates, and Our and their respective officers, directors, members, employees, stockholders, managers, agents, and representatives (collectively, “Julep Indemnified Parties”) from any and all third party claims, actions, demands, causes of action, liability, damages and/or costs (including, but not limited to, reasonable attorneys’ fees and expenses) (collectively, “Claims”) arising from:
(i) your improper use of the Services or Our products or offerings;
(ii) your violation of these Terms;
(iii) your provision to Julep or any of the Indemnified Parties of information or other data;
(iv) your infringement or alleged infringement, or the infringement or use (or alleged infringement or alleged use) by any other user of your account, your User Content, of any intellectual property or other right of any person or entity; or
(v) your violation or alleged violation of any foreign or domestic, federal, state or local law or regulation.
The Indemnified Parties will have the right, but not the obligation, to participate through counsel of their choice in any defense by You of any Claim as to which You are required to defend, indemnify or hold harmless the Indemnified Parties. You may not settle any Claim without the prior written consent of the concerned Indemnified Parties.
- GOVERNING LAW AND VENUE
These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of or relating to your use of the Services or these Terms shall be filed only in the state or federal courts located in the Commonwealth of Virginia and You hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action.
Most disagreements can be resolved informally and efficiently by contacting Our customer support team at email@example.com.
- TERM AND TERMINATION
These Terms will remain in full force and effect while You use Our Services (including Our Website and Mobile Apps). We may terminate your use of, or access to, the Service in accordance with these Terms.
- Effect of Termination; Survival.
Termination of these Terms automatically terminates all rights and licenses granted to You under these Terms, including all rights to use the Services, except that all terms that by their nature may survive termination shall be deemed to survive such termination (including, without limitation, intellectual property, disclaimers, limitations of liability, User Content license, governing law and venue). Subsequent to termination, Julep reserves the right to exercise whatever means it deems necessary to prevent your unauthorized use of the Services, including without limitation technological barriers such as IP blocking and direct contact with your Internet Service Provider.
- Legal Action.
If we, in Our sole discretion, take legal action against You in connection with any actual or suspected breach of these Terms, We will be entitled to recover from You as part of such legal action, and You agree to pay, Our reasonable costs and attorneys’ fees incurred as a result of such legal action. The Julep Parties will have no legal obligation or other liability to You or to any third party arising out of or relating to any termination of these Terms.
- MISCELLANEOUS TERMS
If any provision of these terms shall be found by a court of competent jurisdiction to be unlawful, invalid, void or voidable, or for any reason unenforceable, then that provision shall be deemed severable from these terms and shall not affect the validity and enforceability of any remaining provisions. These Terms are the entire agreement between You and Us relating to the subject matter herein. We may assign Our rights and obligations under these Terms. These Terms will inure to the benefit of Our successors, assigns and licensees. The failure of either party to insist upon or enforce the strict performance of the other party with respect to any provision of these Terms, or to exercise any right under the Terms, will not be construed as a waiver or relinquishment to any extent of such party’s right to assert or rely upon any such provision or right in that or any other instance; rather, the same will be and remain in full force and effect.
For the purposes of these Terms:
(i) “Application Store” means the digital distribution service operated and developed by Apple Inc. (Apple App Store) or Google Inc. (Google Play Store) in which the Mobile App is available for downloaded.
(ii) “Affiliate” means an entity that controls, is controlled by or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
(iii) “Account” means a unique account created for the User to access Our Service or parts of Our Service.
(iv) “Business Customer” refers to third-party commercial customers who may purchase a subscription to Our Service on your behalf.
(v) “Coach” refers to a financial coach who may be an employee or a contractor of Julep, an AI program, personnel from an unaffiliated third-party service provider or personnel from, or designated by Our Business Customer.
(vi) “Company” (referred to as either “the Company”, “We”, “Us”, “Our”, or “Julep” in this Agreement) refers to Julep Wellness, Inc.
(vii) “Country” refers to The United States of America.
(viii) “Content” refers to content such as text, images, or other information that can be posted, uploaded, linked to or otherwise made available by the User, regardless of the form of that content.
(ix) “Device” means any device that can access the Service, such as a computer, a cell phone, or a digital tablet.
(x) “Feedback” means feedback, innovations or suggestions sent by the User regarding the attributes, performance or features of Our Service.
(xi) “Mobile App” means the Julep software application or program provided by the Company and downloaded by You on any electronic device.
(xii) “Service” refers to the Website and/or the Mobile App to which the User has access.
(xiv) “Third-party Social Media Service” means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included, or made available by the Service.
(xv) “Website” refers to the Julep website accessible from www.julep.app.
(xvi) “You” and/or “User” means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.