Terms of Service

Effective Date: March 23, 2018


These Terms of Service (the “Agreement” or “Terms”) are between you (“Customer,” “you” or “your”) and finotes, Inc., a Delaware corporation (“finotes,” “us,” “our” or “we”). These Terms govern your access to and use of www.finotes.com (the “Site”) and the Services (as defined below), and describe the services we will provide to you, how we will work together and other aspects of our business relationship. The Services include the finotes Software Development Kit, including without limitation certain APIs and other embedded code (the “Embedded Code”) and related explanatory materials (collectively, the “finotes SDK”), finotes databases and the other products and services provided on or through our Site or otherwise offered by finotes (collectively the “Services”).

By using the Site, signing up for the Services or otherwise accessing or using the Services, you accept and agree to be bound and abide by these Terms ,our Privacy Policy and General Data Processing Addendum, found at https://finotes.com/privacypolicy/ (the “Privacy Policy”) and https://finotes.com/gdpa/ (the “General Data Processing Addendum”). If you do not want to agree to these, you must not access or use the Site or the Services.

1. Access
Subject to the terms and conditions of this Agreement, Customer may access and use the Services solely for Customer’s internal business purposes. finotes may change, suspend or discontinue the Services at any time, including the availability of any feature, database, or content. finotes may also impose limits on certain features and Services or restrict Customer’s access to parts or all of the Services without notice or liability. Customer shall be responsible for obtaining and maintaining any equipment or ancillary services needed to connect to, access the Services. Customer shall be responsible for ensuring that such equipment or ancillary services are compatible with the Service.

2. Registration & Security
As a condition to using certain of the Services, Customer is required to register with finotes and select a password and Customer ID. Customer shall provide finotes with accurate, complete and updated registration information. Failure to do so shall constitute a breach of this Agreement, which may result in immediate termination of Customer’s account. finotes reserves the right to refuse registration of, or cancel, a finotes Customer account at its discretion. You agree that all information you provide to register with the Services or otherwise, including but not limited to information you provide through the use of any interactive features on the Site, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy. Customer shall be responsible for maintaining the confidentiality of Customer’s finotes password and other account information. If you choose, or are provided with, a user name, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person with access to this Site or portions of it using your user name, password or other security information. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so
that others are not able to view or record your password or other personal information.

3. Payment Term & Fees
Customer shall pay Fees (as defined below) to finotes as follows:
If Customer signs up for a paid plan (a “Paid Plan”), Customer agrees to pay finotes the applicable Subscription Fee for such Service as set forth in the Pricing Guide, found at www.finotes.com.
You authorize us (or a billing agent acting on our behalf) to charge you the applicable Fees using your selected payment method. We’ll automatically bill you in advance from the date you sign up for, or convert to, a Paid Plan, and on each subscription renewal, until cancellation.

The Fees are the net amount that we must receive exclusive of any taxes and, in addition to such Fees, you shall be responsible for promptly paying (to us or the appropriate taxing authority) any and all taxes, duties and tariffs, including without limitation, sales, excise, value added, use, withholding, import/export and similar charges related to this Agreement.

Once you have purchased a Paid Plan, we will automatically charge then-current Fees for the next subscription period to your selected payment method at the end of each subscription period, unless you notify us in writing that you want to terminate your subscription and cease using the Services as set forth in Section 12 (Termination). In the event any payment is declined, Customer will have seven (7) business days to make such payment, after which Customer may be restricted from accessing or using the Services, at any time, with or without notice, at finotes’s sole discretion.

Unpaid Fees are subject to a finance charge of 1.5% per month or the maximum permitted by law, whichever is lower, plus all expenses of collection.

finotes may provide you with  access to  all the Services on a trial basis at no charge. We reserve the right to modify, cancel and/or limit the trial period at any time. Upon termination of your trial Plan, you may lose access to all data stored on the Service, and any interfaces to third party services that we provide, the data will remain intact if you subscribe before the end of of the trial period.

Overages. We reserve the right to charge any applicable overage Fees if you exceed the maximum number of monthly active users in any given month. For the next month, you may be automatically charged for such higher usage. If you are on a monthly billing cycle, you will be charged for your increased usage starting with the next month.


Additional Fees. We may revise Fees at any time, or impose additional fees or charges. If you are on a Paid Plan, we will do this by providing you with at least thirty (30) days’ notice prior to the next charge. Provided that if you upgrade or downgrade your plan, you will be charged Fees at the then-current rates. Unless otherwise expressly stated in writing, any discounts applied to a previous subscription period do not apply to a renewed subscription period, including to any automatic renewals.

4. Limited Licenses

a. SDK. Subject to the terms and conditions of these Terms, during the period you have a valid subscription with finotes, finotes grants you (and you agree to comply with) a non-sublicensable, non-transferable, non-exclusive, revocable, limited license to use the finotes SDK and the proprietary documentation generally made available by finotes to you on the Site for use with the finotes SDK (“Documentation”), only internally and solely for the purpose of developing websites, applications and services (“Customer Applications”) that interact with the Services. You may make a limited number of copies of the finotes SDK to be used by your employees or consultants as provided herein, and not for general business purposes, and such employees or consultants shall be subject to the obligations and restrictions in this Agreement.

b. Embedded Code. Subject to the terms and conditions of these Terms, during the period you have a valid subscription with finotes, finotes grants you (and you agree to comply with) a non-sublicensable, non-transferable, non-exclusive, revocable, limited license to duplicate and merge all or portions of the Embedded Code with your application programs and distribute it only as part of your products in object code form solely for the purpose of enabling the Customer Applications to interact with the Services. Any merged portion of the Embedded Code is subject to this Agreement.

c. Ownership
As between you and finotes, finotes owns all rights and interest to any and all patents, copyrights, moral rights, trade secrets, trademarks, service marks, publicity rights and other proprietary rights (whether or not perfected or perfectible and whether or not now known or hereafter discovered) (“Intellectual Property Rights”) in and to the Services. Nothing in this Agreement grants you any rights whatsoever in or relating to source code. All ownership rights, title, and Intellectual Property Rights in and to the Services shall remain in finotes and/or its licensors. Other than as expressly granted herein, finotes does not grant you any other rights to the Services. You agree that finotes has the right to change, modify, add to or discontinue or retire any aspect or feature of the Services at any time. finotes has no obligation to give you notice of any changes. From time to time, finotes may, but is under no obligation to, release upgrades, fixes or new versions of the Services, although these upgrades may not be consistent across all platforms and devices. All such upgrades, fixes or new versions shall be considered part of the Site and Services subject to the terms of this Agreement, unless we provide different terms at the time of release.

d. By You
By accessing the Services and allowing Embedded Code to be placed on Customer Applications, you hereby grant finotes a nonexclusive, irrevocable during the term of this Agreement, royalty-free license to: (i) perform, or have performed, the Services on such Customer Applications; (ii) to collect, store, reproduce, transmit and use the Collected Data (as defined below) in connection with the performance of the Services; and (iii) include your name or logo on finotes’s Site and in connection with finotes’s other marketing and promotional efforts.

5. Restrictions
You agree not to, or to allow others to: (a) adapt, alter, modify, decompile, translate, make derivative works, disassemble, or reverse engineer the Site or Services, including without limitation, the source code and any other underlying ideas or algorithms of the Services (except to the extent applicable laws specifically prohibit such restriction or where in accordance with the API terms of service); (b) copy the Services; (c) transfer, sublicense, loan, sell, lease, use for timesharing or service bureau purposes, or otherwise commercially use or exploit the Services; (d) use the Services in violation of any applicable regulation or law; (e) ship, divert, trans-ship, transfer, export or re- export any Services or any component thereof into any country or use it in any manner prohibited by any export control laws, restrictions, or regulations administered by the U.S. Commerce Department’s Bureau of Export Administration, the U.S. Department of Treasury’s Office of Foreign Assets Control or any other applicable government agency, (f) use or attempt to use the Services for competitive analysis or benchmarking of the Services, or to develop a competitive service or directly compete with the Services; (g) to store or transfer any tortious, illegal or infringing materials, (h) use or attempt to use the Services, or provide us with any data, in violation of any third-party rights of any kind, including without limitation any privacy, intellectual property, confidentiality or contractual rights, or (i) to transfer any viruses, worms, trojans or other items of a similarly destructive nature.

Customer shall use no less than industry standard security measures with respect to its access and use of the Services. Customer shall be responsible for obtaining and maintaining any equipment and ancillary services needed to connect to, access or otherwise use the Services, including, without limitation, hardware, server, software, operating system, networking, communication services, web and hosted services and platforms, and any platforms, networks, services and/or websites where it distributes and runs its services and applications, including but not limited to, Facebook, Android, Google Play, Blackberry and iOS/App Store and all third party products and service providers that Customer requests finotes to supply with data, or from whom Customer provides finotes with data (collectively, “Third Party Platforms”). Customer shall be responsible for compliance its own and all terms of service and privacy policies with respect to the Third Party Platforms. Without limiting the foregoing, Customer agrees to comply with third party terms of service and privacy policies for all third party analytics providers and other services that finotes provides with data at your request, or that you request to provide finotes with data. finotes is not responsible for any act or omissions of any Third Party Platform. Customer shall also be responsible for maintaining the security of the Third Party Platforms, its account, passwords (including but not limited to administrative and user passwords) and files, and for all uses of the account or the Third Party Platforms with or without Customer’s knowledge or consent.

You agree to:
• Use the Services for lawful purposes only and in compliance with any policies posted to the Site or conveyed by electronic notice;
• Not use the Services in a way that prevents or inhibits another user from enjoying the Services;
• Not obtain the communications protocol for accessing the Services;
• Not remove, obscure or alter any notices or indications of any Intellectual Property Rights, any trade names, trademarks, service marks, logos, trade dress, and any other distinctive or proprietary symbols, labels, designs or designations (“Branding”), or any electronic notices;
• Not interfere with, or attempt to interfere with, compromise the system integrity or security, or decipher any transmissions to or from the Service servers;
• Not to use the Services primarily for data storage or to take any action that imposes an unreasonable or disproportionately large load on our infrastructure; and
• Not to challenge or assist others to challenge our rights in the Branding, or our Intellectual Property Rights or registration or applications thereof. You agree to promptly notify finotes of any violation of this section, or otherwise of this Agreement.

6. Confidential Information

“Confidential Information” means: (a) the Services; and (b) any finotes business or technical information that is disclosed to you in connection with this Agreement, including without limitation any information relating to finotes’s plans, designs, costs, prices, finances, marketing plans, business opportunities, personnel or research and development. You will maintain all Confidential Information in strict confidence and will not disclose Confidential Information to any third party. You will not use Confidential Information, except as necessary for your performance of this Agreement.

You agree that any material breach of this section will cause irreparable injury and that injunctive relief in a court of competent jurisdiction will be appropriate to prevent an initial or continuing breach of this section in additional to any other relief to which finotes may be entitled.

7. Collected Data
Our Services enable you to collect data (“Collected Data”) about Customer Applications on which you have integrated our Services (including without limitation your customers and other users (your “Users”), User name, postal address, e-mail address, IP address and phone number). We enable you to specify the Collected Data that you collect, and, at your direction, to pass that data into the Services and to third party applications and services, and from one application or service to another. finotes may also store Collected Data in connection with the Service.

As between Customer and finotes, Customer shall retain all right, title and interest in and to the Collected Data.

Customer acknowledges that finotes collects Collected Data automatically under your direction when providing the Services and that finotes exercises no control whatsoever over the content of the information (including Collected Data) passing through finotes’s systems and networks in connection with providing the Services. finotes is not responsible for inspecting the Collected Data that it collects. Customer will be responsible for the accuracy, quality and legality of Collected Data and the means by which Customer acquired the Collected Data.

We collect, store, and use your Collected Data on our servers to provide you with the Service. We only share User information as you direct and with others under special circumstances as follows:
• With third parties who work on our behalf to provide you the Services (including, without limitation, maintenance, administration, support, payment, hosting and database management services). These third parties may have access to your Collected Data only to perform these tasks on our behalf in accordance with this Agreement and are obligated not to disclose or use it for any other purpose;
• To comply with laws or to respond to lawful requests and legal process;
• To protect the safety, rights and property of finotes, our agents, customers, and others (including emergency situations), and to enforce our agreements, policies, and terms of use; and
• For the purposes of a business deal (or negotiation of a business deal) involving sale or transfer of all or a part of our business or assets (business deals may include, for example, any merger, consolidation, acquisition, reorganization or sale of assets or in the event of bankruptcy).

We provide you with access to your Collected Data and the ability to delete any of your User data (subject to our legal obligations). We also take commercially reasonable steps to safeguard Collected Data. Provided, however that no security system is impenetrable. It may be possible for third parties to intercept or access Collected Data. We cannot guarantee the security of such information and are not responsible for unauthorized access to your account or Collected Data.

You agree to comply with all applicable privacy and data protection regulations. You agree to provide appropriate notices to your Users about, and if required by applicable laws, obtain appropriate consent from Users for, your information collection and use practices relating to your use of our Services, and your use of any service providers or other third parties that you instruct to send us data or to whom You instruct us to send your Collected Data. You will not collect or provide us with any Collected Data (or have a third party do the same), nor request us to collect from, or forward any Collected Data to, any third party, or request (through the Services or directly) such third party to perform any processing or transmission, in violation of any law, regulation, or third party right, including without limitation intellectual property, privacy or contractual right. We will not be responsible for any act omission of any third party that you request to provide us with Collected Data or to whom you request us to forward your Collected Data, and you will indemnify and hold us harmless arising out of or related to their provision or use of the Collected Data.

You, and any third party on your behalf, shall not provide finotes with any data that is considered “sensitive personal data” under the EU Data Protection Directive 95/46/EC, or that is otherwise subject to heightened restrictions relating to the transmission or processing of data for the jurisdictions in which you and finotes operate. Examples of such restrictive frameworks include, but are not limited to, the Health Insurance Portability and Accountability Act, the Children’s Online Privacy Protection Act, and the standards promulgated by the PCI Security Standards Council. It is your responsibility at all times to ensure that the means of passing data to finotes, as well as the data itself, along with your directives that we pass this data on to third party tools, at all times comply with the laws, regulations and agreements to which you, the data, or finotes are subject.

We may also collect registration and other information about you as our customer through our Site. Our collection and use of information collected about you on our Site is governed by our Privacy Policy. Our Privacy Policy does not cover Collected Data. It is your obligation to provide your own privacy policy or notice to your Users as set forth in this Agreement.

In the performance of the Services, finotes is expressly authorized to collect general user data and report on the aggregate response rate and other aggregate measures of the Service’s use and performance, provided that all User data is anonymized and no personally identifying information of the Customer or its Users is revealed. In addition, finotes may monitor the use and performance of the Services for compliance with, and to enforce, the terms and conditions of this Agreement.

8. Maintenance

The Services, including without limitation the finotes SDK, and any updates, are deemed accepted by Customer. finotes is not obligated to provide maintenance, technical support or updates to Customer for the Services. Any maintenance or updates provided by finotes, if any, shall be covered by this Agreement. Customer shall bear all costs of using the Services, including but not limited to, software design, software development, application debugging, application testing and network connectivity.

9. Disclaimer of Warranty

To the maximum extent permitted by applicable law, finotes provides the Services on an “as is” and “as available” basis, and hereby disclaims all warranties and conditions, whether expressed, implied or statutory, including, but not limited to, any implied warranties or conditions of merchantability, fitness for a particular purpose, accuracy or completeness of responses, results, lack of negligence or lack of workmanlike effort, and non-infringement. To the fullest extent allowed by law, you assume all risk for your use of the Service, including without limitation any harm caused by viruses, works or other damaging materials. In no event does finotes guarantee that the Services, or any portion thereof, are accurate, error or bug free, that your use of the Services will be uninterrupted, or that the operation of the Services will not negatively affect other software or hardware. This section applies to the maximum extent allowed by applicable law. The Services are offered by finotes from its facilities in the United States of America. finotes makes no representations that the Services are appropriate or available for use in other countries. Those who access or use the Services from jurisdictions outside the Unites States are responsible for compliance with all applicable laws.

10. Indemnification

You hereby agree, at your expense, to indemnify, defend and hold harmless finotes, its licensors, and their respective directors, officers, employees and agents from and against all demands, liabilities, losses, claims and expenses, including attorney’s fees, arising out of or relating to (a) your use of the Services or any third party platform, including without limitation the service providers from whom we receive or to whom we submit data or instructions at your request, including without limitation that any claim that any of the foregoing violates any third party right, (b) services, products, information, data, processing instructions or content you submitted or used in connection with the Services, or (c) any actual or alleged negligence, willful misconduct, fraud, manipulation, or breach of this Agreement, by you. You will not enter into any settlement of, or agreement related to, any matter covered by this section without first obtaining finotes’s written consent. finotes reserves the right, at its own expense and in its sole discretion, to participate in any defense, and to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you shall fully cooperate with finotes in such defense.

11. Limitation of Liability
To the fullest extent permitted by law, in no event shall finotes, its officers, directors, employees, agents, vendors or suppliers be liable (i) for any indirect, special, incidental, consequential, exemplary or punitive damages related to or arising from your use, misuse or inability to use the Services or Site, including but not limited to, damages for lost data, lost profits or cost of procurement of substitute goods or services, personal injury or property damage of any nature resulting from your use of the Services or Site, unauthorized access to our servers, server unavailability and any personal information stored therein, any delays or interruptions due to electronic or mechanical equipment failures, denial of service attacks, date data processing failures, telecommunications or internet problems or utility failures, however caused under any theory of liability, including but not limited, to contract, tort, strict liability or negligence and whether or not finotes was or should have been aware or advised of the possibility of such damage or even if a remedy fails of its essential purpose; or (ii) for any claim attributable to errors, omissions or other inaccuracies in the Services or destructive properties of the Service. In no event shall finotes’s aggregate liability under this Agreement exceed the total sum of monies paid from you to us as consideration for use of the Services during the twelve (12) months immediately preceding the event giving rise to such liability.

12. Termination

For Customers subscribing finotes, we may terminate this Agreement at any time, in whole or in part, for any reason, with or without notice. During the subscribed period, you may terminate this Agreement at any time by: (a) providing us with written notice and (b) discontinuing your use of the Services and removing all finotes java scripts and other scripts from your website, application or service and destroying all other parts of the Service, Software and finotes Confidential Information in your possession.

For Customers under a Paid Plan, you may terminate this Agreement effective as of the end of the then-current subscription period by providing us with at least thirty (30) days’ written notice prior to the expiration of your then-current subscription term. Once you are under a Paid Plan, we may terminate this Agreement at any time, in whole or in part, for any reason upon providing you with fourteen (14) days’ written notice.

Following any expiration, cancellation or termination of this Agreement, for any reason, the rights, license and any other services provided by us to you or granted herein to Customer, shall immediately and automatically terminate, and Customer shall no longer have the right to use or distribute the Services in any manner, network access to the Services will be stopped, and applicable API keys will be revoked, and Customer shall immediately (a) pay all outstanding balances and (b) cease all use of the Services and remove all finotes SDK from all Customer Applications, and destroy all other parts of the Services and finotes Confidential Information in your possession. Customer shall not distribute any Customer Applications that contain any Embedded Code thereafter. Notwithstanding the foregoing, finotes agrees the Customer applications containing the Embedded Code already distributed to end-users shall not be affected. The following sections will survive any expiration or termination of this Agreement: Section 3 (with respect to any outstanding Fees and their collection), Section 4(c) (Ownership), Section 5 (Restrictions), Section 6 (Confidential Information) and Section 9 (Disclaimer of Warranty) through Section 14 (Miscellaneous), in addition to any other provisions which by their terms or sense are intended to survive.

We also may permanently or temporarily terminate, suspend, limit or “throttle” your usage, or otherwise refuse to permit your use of the Services without notice or liability, if in our sole determination, you violate these Terms or finotes’s Privacy Policy, or in cases of emergency or to prevent violations of law or harm to finotes or others. Termination of these Terms, any license, or your access to the Site or Services, shall not limit us from pursuing other remedies available to us against you, including, but not limited to, injunctive relief.

13. Copyright

All content included by finotes on the Site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of finotes or its content suppliers and protected by United States and international copyright laws. The compilation of all content on the Site is the exclusive property of finotes and protected by U.S. and international copyright laws. All software used on (or provided through) the Site is the property of finotes or its software suppliers and protected by United States and international copyright laws.

finotes respects the intellectual property of others and asks that you do the same. In connection with our Site, we have adopted and implemented a policy respecting copyright law that provides for the removal of any infringing materials and for the termination, in appropriate circumstances, of users of our online Site who are repeat infringers of intellectual property rights, including copyrights. If you believe that one of our users is, through the use of our Site, unlawfully infringing the copyright(s) in a work, and wish to have the allegedly infringing material removed, the following information in the form of a written notification (pursuant to 17 U.S.C. § 512(c)) must be provided to our designated Copyright Agent:

a. your physical or electronic signature;

b. identification of the copyrighted work(s) that you claim to have been infringed;

c. identification of the material on our services that you claim is infringing and that you request us to remove;

d. sufficient information to permit us to locate such material;

e. your address, telephone number, and e-mail address;

f. a statement that you have a good faith belief that use of the objectionable material is not authorized by the copyright owner, its agent, or under the law; and

g. a statement that the information in the notification is accurate, and under penalty of perjury, that you are either the owner of the copyright that has allegedly been infringed or that you are authorized to act on behalf of the copyright owner.

Please note that, pursuant to 17 U.S.C. § 512(f), any misrepresentation of material fact (falsities) in a written notification automatically subjects the complaining party to liability for any damages, costs and attorney’s fees incurred by us in connection with the written notification and allegation of copyright infringement.

The designated Copyright Agent

finotes, Inc.
2035 Sunset Lake Road, Suite B-2,
Newark,New Castle,Delaware
+91 9495 582694
contact@finotes.com

14. Miscellaneous	

a. Independent Contractor. finotes operates an independent business apart from Customer. Nothing in this Agreement creates a partnership, employer-employee relationship, franchisee-franchisor, or a joint venture between the parties. Each party is solely responsible for the control and management of its business operations, for obtaining and maintaining all applicable business licenses and insurance, and for the timely payment of all income, payroll, and employment-related taxes, including without limitation all unemployment, worker’s compensation, income tax withholding, and any other taxes of any nature whatsoever related to its business, unless otherwise specified in this Agreement.

b. Assignment. You may not assign, delegate, or otherwise transfer your rights or delegate your obligations under this Agreement, in whole or in part, and any attempted assignment by you shall be null and void. finotes may assign, delegate or transfer this Agreement, its rights and obligations in its sole discretion.

c. Force Majeure. If either party’s performance of any of its obligations hereunder is delayed by labor dispute, war, governmental action, flood, fire, explosion or other act of nature or any other matter not within such party’s reasonable control, then the date for performance shall be extended by the time of such delay; provided, however, that the party subjected thereto shall pursue with reasonable diligence the avoidance or removal of such delay if reasonably feasible.

d. Costs and Expenses. Except as otherwise provided for in this Agreement, each Party shall be responsible for and will bear all costs and expenses incurred by it in connection with the performance of its obligations under this Agreement.

e. Currency. All currencies specified herein are in US dollars. When any fees to finotes are calculated based on a currency other than U.S. currency, the payment to finotes must be equal to that of the US dollar amount of such fees, and Customer shall bear all currency conversion fees, wire transfer fees or any other fees involved with payment.

f. Interpretation. The headings and numbering shall not be considered or given effect in construing this Agreement.

g. Severability. In the event that any provision of this Agreement shall for any reason be held to be invalid, illegal or unenforceable in any respect, the remaining provisions shall remain in full force and effect and the affected provision shall be modified in a manner which comes closest to the intention of the parties at the time the original provision was agreed upon.

h. Changes. Our employees are not authorized to vary the terms of this Agreement. This Agreement may be modified only (a) by obtaining our written consent in an agreement signed by an officer of finotes; or (b) as set forth below in the immediately following paragraph.

You agree that finotes may modify the terms of this Agreement from time to time, and that your right to access the Services is conditioned on an ongoing basis with your compliance with the then-current version of this Agreement. We will notify you when we make material revisions or modifications to the Agreement by (x) posting a notice or new version of this Agreement on the Site, or (y) providing direct notice in a communication to your customer account (if you have one), or otherwise in some manner through the Services that we deem reasonably likely to reach you (which may be by posting to this Site or on our blog). The modifications will be effective upon posting (unless otherwise indicated at the time of posting). By continuing to use the Services or Site following the posting of this Agreement, you consent to the revised or modified terms of this Agreement.

i. No Third-party Beneficiaries. This Agreement is for the sole benefit of the parties hereto and their respective successors and permitted assigns and nothing herein, express or implied, is intended to or shall confer upon any other person or entity any legal or equitable right, benefit or remedy of any nature whatsoever under or by reason of this Agreement.

j. Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State of California and the federal U.S. laws applicable therein, excluding its choice of law provisions, and the parties agree to submit to the personal and exclusive jurisdiction of the courts in Santa Clara, California. Notwithstanding the foregoing, in the event of your or others’ unauthorized access to or use of the Services or content in violation of these terms you agree that we are entitled to apply for injunctive remedies (or an equivalent type of urgent legal relief) in any jurisdiction.

k. Dispute Resolution. The parties agree that any and all disputes arising out of the terms of this Agreement, their interpretation, and any of the matters herein released, shall be subject to arbitration in contra costa county, before Judicial Arbitration & Mediation Services (“JAMS”), pursuant to its Employment Arbitration Rules & Procedures (“JAMS Rules”). The arbitrator may grant injunctions and other relief in such disputes. The arbitrator shall administer and conduct any arbitration in accordance with California law, including the California Code of Civil Procedure, and the arbitrator shall apply substantive and procedural California law to any dispute or claim, without reference to any conflict-of-law provisions of any jurisdiction. To the extent that the JAMS Rules conflict with California law, California law shall take precedence. The decision of the arbitrator shall be final, conclusive, and binding on the parties to the arbitration. The parties agree that the prevailing party in any arbitration shall be entitled to injunctive relief in any court of competent jurisdiction to enforce the arbitration award. The parties to the arbitration shall each pay an equal share of the costs and expenses of such arbitration, and each party shall separately pay for its respective counsel fees and expenses; provided, however, that the arbitrator shall award attorneys’ fees and costs to the prevailing party, except as prohibited by law. The parties hereby agree to waive their right to have any dispute between them resolved in a court of law by a judge or jury. Notwithstanding the foregoing, this section will not prevent either party from seeking injunctive relief (or any other provisional remedy) from any court having jurisdiction over the parties and the subject matter of their dispute relating to this agreement and the agreements incorporated herein by reference. Should any part of the arbitration agreement contained in this paragraph conflict with any other arbitration agreement between the parties, the parties agree that this arbitration agreement shall govern.

l. Waiver of Jury Trial. Each party irrevocably and unconditionally waives any right it may have to a trial by jury in respect of any legal action arising out of or relating to this Agreement or the transactions contemplated hereby.

m. Time Limits. Any claim related to these Terms, the Site or the Services must be brought within one year. The one-year period begins on the date when the claim first could be filed. If it is not filed, then that claim is permanently barred. This applies to you and your successors.

n. Waiver of Class or Consolidated Actions. All claims and disputes within the scope of this Agreement must be arbitrated or litigated on an individual basis and not on a class basis, and claims of more than one Customer cannot be arbitrated or litigated jointly or consolidated with those of any other Customer.

o. Export. The Site may be subject to U.S. export control laws and may be subject to export or import regulations in other countries. You agree not to export, reexport, or transfer, directly or indirectly, any U.S. technical data acquired from finotes, or any products utilizing such data, in violation of the United States export laws or regulations.

p. California Disclosures. If you are a California resident, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Product of the California Department of Consumer Affairs by contacting them in writing at 400 R Street, Sacramento, CA 95814, or by telephone at (800) 952-5210.

q. Electronic Communications. The communications between you and finotes use electronic means, whether you use the Site or send us emails, or whether finotes posts notices on the Site or communicates with you via email. For contractual purposes, you (a) consent to receive communications from finotes in an electronic form; and (b) agree that all terms and conditions, agreements, notices, disclosures, and other communications that finotes provides to you electronically satisfy any legal requirement that such communications would satisfy if it were be in a hardcopy writing. The foregoing does not affect your non-waivable rights.

r. Entire Agreement. These Terms constitute the entire agreement between you and finotes with respect to the subject matter of this Agreement and supersedes and replaces any prior or contemporaneous understandings and agreements, whether written or oral, with respect to the subject matter of these Terms.

s. Copyright/Trademark Information. Copyright © 2017 finotes, Inc. All rights reserved. All trademarks, logos and service marks (“Marks”) displayed on the Site are our property or the property of other third parties. You are not permitted to use these Marks without our prior written consent or the consent of such third party which may own the Marks.

t. Contact Information:

finotes, Inc.
2035 Sunset Lake Road, Suite B-2,
Newark,New Castle,Delaware
+91 9495 582694
contact@finotes.com