Without our prior consent, you may not:
You represent, warrant and agree that no materials of any kind submitted through your account or otherwise posted or shared by you through the Service will violate or infringe upon the rights of any third party, including copyright, trademark, privacy, publicity or other personal or proprietary rights; or contain libelous, defamatory or otherwise unlawful material. You further agree not to harvest or collect email addresses or other contact information of Users from the Service or the Site by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications. Additionally, you agree not to use automated scripts to collect information from the Service or the Site or for any other purpose. You further agree that you may not use the Service or the Site in any unlawful manner or in any other manner that could damage, disable, overburden or impair the Site. In addition, you agree not to use the Service or the Site to:
By posting User Content to any part of the Site, you automatically grant, and you represent and warrant that you have the right to grant, to the Company an irrevocable, perpetual, non-exclusive, transferable, fully paid, worldwide license (with the right to sublicense) to use, copy, publicly perform, publicly display, reformat, translate, excerpt (in whole or in part) and distribute such User Content for any purpose on or in connection with the Site or the promotion thereof, to prepare derivative works of, or incorporate into other works, such User Content, and to grant and authorize sublicenses of the foregoing. You may remove your User Content from the Site at any time. If you choose to remove your User Content, the license granted above will not expire.
Electronic Communications. Any Disclosures will be provided to you electronically through carrotfinancial.com either on our Site or via electronic mail to the verified email address you provided. If you require paper copies of such Disclosures, you may write to us at the mailing address provided below and a paper copy will be sent to you at a cost of up to $5.00. A request for a paper copy of any Disclosure will not be considered a withdrawal of your consent to receive Disclosures electronically. We may discontinue electronic provision of Disclosures at any time in our sole discretion.
Scope of Consent. Your consent to receive Disclosures and transact business electronically, and our agreement to do so, applies to any transactions to which such Disclosures relate, whether between you and the Company or between you and Our Affiliates. Your consent will remain in effect for so long as you are a User and, if you are no longer a User, will continue until such a time as all Disclosures relevant to transactions that occurred while you were a User have been made.
Consenting to Do Business Electronically. Before you decide to do business electronically with the Company or Our Affiliates, you should consider whether you have the required hardware and software capabilities described below.
In order to access and retain Disclosures electronically, you must satisfy the following computer hardware and software requirements: access to the Internet; an email account and related software capable of receiving email through the Internet; supported Web browsing software (Chrome version 49.0 or higher, Firefox version 49.0 or higher, Internet Explorer version 10.0 or higher, or Safari version 9.1 or higher); and hardware capable of running this software.
I expressly consent to receiving calls and messages, including auto-dialed and pre-recorded message calls, and SMS messages (including text messages) from us, our affiliates, agents and others calling at their request or on their behalf, at any telephone numbers that you have provided or may provide in the future (including any cellular telephone numbers). Your cellular or mobile telephone provider will charge you according to the type of plan you carry.
If you are accessing our site and the Disclosures electronically via a mobile device (such as a smart phone, tablet, and the like), in addition to the above requirements you must make sure that you have software on your mobile device that allows you to print and save the Disclosures presented to you during the application process. These applications can be found for most mobile devices in the device's respective “app store”. If you do not have these capabilities on your mobile device, please access our site through a device that provides these capabilities.
You may not withdraw such consent as long as you have outstanding any loans or other contractual arrangements made through the Site. If you have no outstanding loans or other contractual arrangements made through the site and wish to withdraw consent to doing business electronically, we will terminate your registered user account with us.
You can contact us via email at email@example.com. You may also reach us in writing to us at the following address: Carrot Financial, Inc., 6513 132nd Ave NE #352, Kirkland, WA 98033 Attention: Customer Service; Electronic Disclosure.
If you are an individual User, you will keep us informed of any change in your email or home mailing address so that you can continue to receive all Disclosures in a timely fashion. If your registered email address changes, you must notify us of the change by sending an email to firstname.lastname@example.org. You also agree to update your registered residence address and telephone number on the Site if they change. If you are a business or entity User or are acting on behalf of a business or entity, you will keep us informed of any change to your email address, telephone number and primary business address, as discussed under “Terms Applicable to Business and Other Entity Users” below.
You will print a copy of this Agreement for your records and you agree and acknowledge that you can access, receive and retain all Disclosures electronically sent via email or posted on the Site.
In consideration of your use of the Site, you agree to (a) provide accurate, current and complete information about you as may be prompted by any registration forms on the Site or otherwise requested by the Company (“Individual Registration Data”); (b) maintain the security of your password and identification; (c) maintain and promptly update the Individual Registration Data, and any other information you provide to the Company, to keep it accurate, current and complete; (d) promptly notify the Company regarding any material changes to information or circumstances that could affect your eligibility to continue to use the Site or Service or the terms on which you use the Site or Service; and (e) be fully responsible for all use of your account and for any actions that take place using your account.
In consideration of your use of the Site and the Service on behalf of a business or other entity member, you, individually and on behalf of such business or entity, agree to (a) provide accurate, current and complete information about the business or entity, yourself and any other principals and/or authorized representatives of the business or entity member as may be prompted by any registration forms on the Site or otherwise requested by the Company (“Business Registration Data”), including the business or entity's full legal name; (b) provide such materials as the Company may request to establish and/or verify your or any other person's identity or authority to enter into binding agreements on behalf of the business or entity, or to establish and/or verify the business or entity's legal existence, good standing in any jurisdiction and eligibility to use the Site or Service; (c) maintain the security of any password and identification issued for use by or on behalf of the business or entity; (d) maintain and promptly update the Business Registration Data, and any other information provided to the Company by you or anyone else acting on behalf of the business or entity, to keep it accurate, current and complete; (e) promptly notify the Company regarding any material changes to information or circumstances impacting the business or entity's legal existence, good standing in any jurisdiction in which the business or entity is authorized to conduct business, or eligibility for continued use of the Site or any Service; and (f) be fully responsible for all use of any accounts opened on behalf of the business or entity and for any actions that take place using such account.
In addition to the User Representations set forth above under “User Representations,” which you hereby confirm on behalf of the business or entity member, you further agree, both individually and on behalf of the business or entity, not to use the Service or the Site to:
Furthermore, you represent and warrant and agree, both individually and on behalf of the business or entity, that:
Carrot Financial and other Company graphics, logos, designs, page headers, button icons, scripts and service names are registered trademarks, trademarks or trade dress of the Company in the U.S. and/or other countries. The Company's trademarks and trade dress may not be used, including as part of trademarks and/or as part of domain names, in connection with any product or service in any manner that is likely to cause confusion and may not be copied, imitated, or used, in whole or in part, without the prior written permission of the Company.
The Site may contain (or you may be sent through the Site or the Services) links to other web sites (“Third Party Sites”), and other content belonging to or originating from third parties (the “Third Party Content”). Such Third Party Sites and Third Party Content are not investigated, monitored or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third Party Sites accessed through the Site or any Third Party Content posted on the Site, including without limitation the content, accuracy, offensiveness, opinions, reliability or policies of or contained in the Third Party Sites or the Third Party Content. Inclusion of or linking to any Third Party Site or any Third Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Site and access the Third Party Sites, you do so at your own risk and you should be aware that our terms and policies no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any site to which you navigate from the Site.
The Company does not guarantee the accuracy of any User Content or Third Party Content. Although we provide rules for User conduct, we do not control and are not responsible for what Users may post and are not responsible for any offensive, inappropriate, obscene, unlawful or otherwise objectionable content you may encounter on the Site or in connection with any User Content or Third Party Content. The Company is not responsible for the conduct, whether online or offline, of any User of the Site or Service. The Company cannot guarantee and does not promise any specific results from use of the Site and/or the Service.
The Site and the Service may be temporarily unavailable from time to time for maintenance or other reasons. The Company assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, User communications. The Company is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of email or players on account of technical problems or traffic congestion on the Internet or on the Site or combination thereof, including injury or damage to Users or to any other person's computer related to or resulting from participating or downloading materials in connection with the Web and/or in connection with the Service. Under no circumstances will the Company be responsible for any loss or damage, including any loss or damage to any User Content, financial damages or lost profits, loss of business, or personal injury or death, resulting from anyone's use of the Site or the Service, any User Content or Third Party Content posted on or through the Site or the Service or transmitted to Users, or any interactions between Users of the Site, whether online or offline.
The Company reserves the right to change any and all content contained in the Site and any Services offered through the Site at any time without notice. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by the Company.
EXCEPT IN JURISDICTIONS WHERE SUCH PROVISIONS ARE RESTRICTED, IN NO EVENT WILL THE COMPANY OR ITS DIRECTORS, EMPLOYEES OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING FOR ANY LOST PROFITS OR LOST DATA ARISING FROM YOUR USE OF THE SITE OR THE SERVICE OR ANY OF THE SITE CONTENT OR OTHER MATERIALS ON OR ACCESSED THROUGH THE SITE, EVEN IF THE COMPANY IS AWARE OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, TO THE EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY'S LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER, AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO THE COMPANY FOR THE SERVICE WE PROVIDED OVER THE 12 MONTHS PRIOR TO YOUR CLAIM, AND IN NO CASE WILL THE COMPANY'S LIABILITY TO YOU EXCEED $1,000. YOU ACKNOWLEDGE THAT IF NO FEES ARE PAID TO THE COMPANY FOR THE SERVICE, YOU SHALL BE LIMITED TO INJUNCTIVE RELIEF ONLY, UNLESS OTHERWISE PERMITTED BY LAW, AND SHALL NOT BE ENTITLED TO DAMAGES OF ANY KIND FROM THE COMPANY, REGARDLESS OF THE CAUSE OF ACTION.
CERTAIN FEDERAL AND STATE LAWS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES OR LIMITATIONS ON IMPLIED WARRANTIES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.
Please email email@example.com for more information.
ELECTRONIC SIGNATURE (E-SIGN) AND UNIFORM ELECTRONIC TRANSACTIONS ACT (UETA) DISCLOSURE AND CONSENT AGREEMENT (“E DISCLOSURE AND CONSENT”)
This E Disclosure and Consent is provided in compliance with the Electronic Signatures in Global and National Commerce Act, 15 USC §7001, et seq. (“E-SIGN Act”) and the Uniform Electronic Transactions Act, as adopted by the various States.
“You” and “Your” refer to the particular person or entity entering into or agreeing to any agreement provided by Carrot for signature (an “Agreement”).
This disclosure relates to the website www.carrotfinancial.com (the “Website”) and Carrot’s applications including, without limitation, the use of electronic signatures and the use and storage of “electronic records” as defined in the E-SIGN Act. This policy describes how Carrot delivers communications to You electronically. Carrot may amend this policy at any time by posting a revised version on the Website. The revised version will be effective when posted by Carrot. If the revised version includes a substantial change, Carrot will provide You with thirty (30) days’ prior notice by posting a notice of the change on the Website.
By entering into and accepting any Agreement, including the terms and conditions of this E Disclosure and Consent, You agree and consent to electronically receive all communications, agreements, notices, documents and disclosures relating to the Agreement and the Website (collectively, “Communications”). Carrot will provide Communications to You by posting them on the Website and/or by emailing them to You at the primary email address designated by You.
In order to access and retain electronic Communications, You will need the following computer hardware and software: a computer with an Internet connection; current “web browser” that includes 128-bit encryption with cookies enabled (we recommend Chrome version 49.0 or higher, Firefox version 49.0 or higher, Internet Explorer version 8.0 or higher, or Safari version 9.0 or higher); a current version of Adobe Acrobat Reader to open documents in pdf format; a valid email address (the primary email address designated by You); and sufficient storage space to save past Communications or an installed printer to print them.
Carrot will notify You if there are any material changes to the hardware or software needed to receive electronic Communications from Carrot. By giving Your consent, You are confirming that You have access to the necessary equipment and are able to receive, open, and print or download a copy of any Communications for Your records. You may print or save a copy of these Communications for Your records as they may not be accessible online at a later date.
You have the right to withdraw Your consent at any time. To withdraw consent, You may send a written request by certified mail, return receipt requested, to Carrot at 6513 132nd Ave NE #352, Kirkland, WA 98033. If consent is withdrawn, Carrot reserves the right to discontinue Your access to the Website, terminate any and all Agreements with You, and/or charge You additional fees for paper copies.
If, after You consent to receive Communications electronically, You would like a paper copy of a Communication Carrot previously sent You, You may request a copy within one hundred eighty (180) days of the date Carrot provided the Communication to You by contacting Carrot as described above. Carrot will send Your paper copy to You by U.S. mail. In order for Carrot to send paper copies to You, You must have a current street address on file with Carrot as Your primary mailing address. If You request paper copies, You understand and agree that Carrot may charge You a Paper Communications Fee for each Communication at the current rate.
You are responsible for keeping Your primary email address on file with Carrot up to date so that Carrot can communicate with You electronically. You understand and agree that if Carrot sends You an electronic Communication but You do not receive it because Your primary email address on file is incorrect, out of date, blocked by Your Internet service provider, or You are otherwise unable to receive electronic Communications, Carrot still will be deemed to have provided the Communication to You.
If You use a spam filter or other technology that blocks or re-routes emails from senders not listed in Your email address book, You must add Carrot to Your email address book so that You will be able to receive the Communications Carrot sends to You.
You can update Your primary email address or street address at any time by sending the updated information to Carrot (a) by certified mail, return receipt requested, to Carrot at 6513 132nd Ave NE #352, Kirkland, WA 98033, or (b) through the Website. If Your email address becomes invalid such that electronic Communications sent to You by Carrot are returned, Carrot reserves the right to discontinue Your access to the Website, terminate any and all agreements with You, and/or deem any and all of Your accounts with Carrot as “inactive.”
This privacy notice discloses the privacy practices forwww.carrotfinancial.com and applies solely to information collected bythis web site. It will notify you of the following:
We are the co-owners of the information collected on this site with youand select third party providers. We only have access to/collect information that you voluntarily give us via email or other direct contact from you. We will not sell or rent yourinformation to anyone.
We will use your information to respond to you, regarding the reason youcontacted us. We will not share your information with any third partyoutside of our organization, other than as necessary to fulfill yourrequest, e.g. to schedule a web seminar, send third party informationyou've requested, and/or to facilitate payments.
Unless you ask us not to, we may contact you via email in the future totell you about new products or services, or changes to this privacypolicy.
Carrot uses third party providers to supply information about you to determine your eligibility for credit and to facilitate payments. By Clicking "I agree" below, Consumer hereby acknowledges and agrees to Carrot's utilization of such services, and expressly consents to the terms, conditions, and privacy policies of maintained by such third-parties at: https://www.dwolla.com/legal/privacy/ and https://aws.amazon.com/service-terms/, https://plaid.com/legal/ including, without limitation, any amendments, modifications, and additions made thereto from time to time.Your Access to and Control Over Information
You may opt out of any future contacts from us at any time. You can do thefollowing at any time by contacting us via the email address or phonenumber given on our website:
We take precautions to protect your information. When you submitinformation via the website, your information is protected both onlineand offline.
We utilize the most secure commercial encryption tools when data istransferred via the internet.
While we protect sensitive information transmitted online, we also protectyour information offline. Only employees who need the information toperform a specific job (for example, scheduling a demo or customerservice) are granted access to personally identifiable information. Thecomputers/servers in which we store personally identifiable informationare housed in a secure environment.Links
This web site contains links to other sites. Please be aware that we arenot responsible for the content or privacy practices of other sites. Weencourage our users to be aware when they leave our site and to read theprivacy statements of any other site that collects personally identifiableinformation.
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