Terms of Service
Updated December 29, 2022
Welcome to Level Technology Inc., and its successors, affiliates, and assignees, (“Our,” “We,” “Us,” “Level”). These Terms of Service (the “Terms”) govern your use of our website, www.levelgoals.com (the “Site”), our mobile application (the “App”), and any of our other products and services (the “Platform”).
Please read the Terms carefully. If you have any questions, contact us at success@levelgoals.com.
Agreement to Terms
By accessing, downloading, installing, or using our Platform, you agree to be bound by these Terms and our Privacy Policy. Further, the Platform incorporates third party products and services (the “Providers”). Each Provider sets forth its own terms and policies (the “Provider Terms”), which contain terms about your privacy, dispute resolution options, and more. It is essential for you to read and understand the Provider Terms. By using the Platform, you represent that you have read, understood, and agree to the Provider Terms, which may change at any time.
The Platform
Level offers a Platform for you to access financial products and services. Certain products and services of the Platform require use of certain other products and services of the Platform, such as use of a Level Earnings Account, and thus may not be available to all users. You hereby acknowledge and agree that Level is not a bank, financial planner, broker, or asset manager. Level is not a financial advisor and no part of the Platform is intended to provide individual financial advice. Level is not responsible for ensuring sufficient funds or for making any other financial decisions for you. Level makes no representations, warranties, or guarantees of any kind that the Platform is suitable for you. You are solely responsible for your savings, investment, and spending decisions.
Changes to Terms or Platform
We may change or modify the Terms and the Platform at any time, in our sole discretion. If we do so, we may let you know by email or by posting notice or notification on or via the Platform. It’s important that you review the updated Terms because your continued use of the Platform indicates that you agree to be bound by the modified Terms. If you do not agree to be bound by the modified Terms, then please discontinue use of the Platform immediately. Because our Platform is evolving over time we may change or discontinue all or any part of the Platform at any time, and without notice to you, in our sole discretion.
Creating an Account
In order to create an account (the “Account”), you become a “User” and represent: (a) you are a U.S. Citizen (or a legal U.S. resident) at least 18 years of age (or older if you reside in a state where the majority age is older); (b) you accept and agree to the Terms, our Privacy Policy, and any Provider Terms; (d) you comply with the Platform’s sign up and verification process; and (e) you are not otherwise barred from using the Platform. For purposes of these Terms, an Account is different from a Level Earnings Account, which relates to one of Level’s products and services; a User must have an Account with Level in order to create a Level Earnings Account.
Electronic Communications
Consent to Electronic Communications: To the fullest extent permitted by law, all terms of use (including those of Providers), account statements, notices, and other communications (the “communications”) may be provided to you electronically, and you consent and agree to receive those communications in an electronic form. All communications in electronic format will be considered to be “in writing,” and to have been received no later than 2 business days after posting or dissemination, whether or not you have received or retrieved the communication. Both Level and the Providers reserve the right to provide communications in paper format.
Revoking your Consent: Your consent to receive communications electronically is valid until you revoke your consent by notifying us of your decision to do so in writing. If you revoke your consent to receive communications electronically, we may terminate your right to use the Platform or to obtain or maintain a Level Account and related services, and you accept sole liability resulting from an involuntary termination of your Account and related services, to the extent permitted by law.
Financial Information Consent and License
Consent to Collection and Use of Your Financial Information: By using the Platform you are consenting to the collection and use of your “Transaction Information,” including but not limited to, transaction types, amounts, and dates. For more information about our collection and use of financial information, please review our Privacy Policy.
License to Use Financial Information: You hereby grant Level and its Providers a worldwide, royalty-free, perpetual, irrevocable, sublicensable, fully-paid, transferable license to use, modify, display, distribute, create derivative works of, and otherwise sell, license, reproduce, or distribute your Transaction Information, in an anonymized and aggregated format stripped of personally identifiable information, to operate, provide, develop, and improve the Platform.
Account Restrictions and Monitoring
You may only use the Platform for your own use, and not on behalf of or for the benefit of any third party. Your Account should be and cannot be used under the name of another person with the intent to impersonate that person, or use a username that is subject to the rights of another person without appropriate authorization.
“Automated Activity,” including but not limited to bots, scrapers, crawlers, or any other such access or use of the Platform, is strictly prohibited. Any such Automated Activity will result in immediate Account closure.
Your use of the Platform must comply with all applicable laws, rules, policies, these Terms, and any Provider Terms.
We reserve the right to suspend or terminate your Account if any information provided during the registration process or thereafter proves to be inaccurate, false, or misleading, or to reclaim any username that you create through the Platform that violates our Terms.
You are responsible for maintaining the confidentiality of your password and Account, and agree to notify us if your password is lost, stolen, or disclosed to an unauthorized third party, or otherwise may have been compromised. You are responsible for activities that occur under your Account.
To the extent you use a Level feature to accelerate disbursement of the payments to you (such as Get Paid Early), you acknowledge that there is an aggregate cap of three thousand US dollars ($3,000) on the amount outstanding at any one time.
Platform Fees and Billing
Billing Policies. Certain aspects of the Platform may be provided for a fee or other charge. If you elect to use paid aspects of the Platform, you agree to the pricing and payment terms applicable to you at the time of sign up, as may be amended. You acknowledge and agree that any offers made available through the Platform are subject to change. Level may add new services for additional fees and charges, and may add or amend fees and charges for existing services, at any time, in its sole discretion; such changes will become effective in the billing cycle following notice of such change to you as provided in these Terms.
Subscription Renewals and Trials. Subscription services of the Platform (a "Subscription") are available on an automatically renewing subscription basis. Your Subscription, if any, will automatically renew at the end of the subscription term identified at the time of your Subscription for successive, subsequent terms equal in length to the initial subscription term (each such period, a “Subscription Term”) unless otherwise agreed upon or until you cancel the applicable Subscription. We may, at our sole option and in our sole discretion, offer free trials to a particular portion of the Platform, subject to the terms of the offer. If you are signed up to a free trial of the Platform, we will automatically bill your payment method on the first day of your first Subscription Term after the free trial period expires, and on each recurring billing date thereafter. If you wish to avoid charges to your payment method, you must cancel your free trial before the end of the free trial period. If you cancel your free trial, cancellation may be effective immediately.
Notice of Automatic Billing. When you purchase a Subscription, you expressly acknowledge and agree that: (i) Level and/or its third-party payment processors are authorized to charge you, at the beginning of each Subscription Term, the fee for the applicable Subscription, any applicable taxes, and any other charges you may incur in connection with your purchase and use of the Subscription for as long as your Subscription continues; and (ii) your Subscription is continuous until the earlier of (A) your cancellation of such Subscription (including any notice period specified in these Terms) and (B) the suspension, discontinuation, or termination of your access to such Subscription or to the Platform in accordance with these Terms. You acknowledge and agree that the amount billed may vary due to promotional offers, changes in the fees, and/or changes in applicable taxes, and you authorize us to charge your payment method for the updated amounts.
Cancellation Policy. To cancel a Subscription, you must click on the "Cancel plan" button (or equivalent) in the Manage Subscriptions section (or equivalent) of the Site or App before the start of the next Subscription Term. You may also cancel by providing written to notice success@levelgoals.com at least two business days before the end of your then-current Subscription Term. You will continue to have access to the Subscription through the end of the current Subscription Term.
Refunds. You acknowledge and agree that, in the event that: (i) Level suspends or terminates your subscription, your user account, or these terms, or (ii) you cancel your subscription, you will receive no refund for such suspension, termination, or cancellation, nor for pre-payments made in connection with your subscription.
Payment Information; Taxes. In connection with any monetary transaction with the Platform, including Subscription payments, you may be asked to provide customary billing information such as name, billing address, and credit card information to us or to the applicable third-party payment processor. All information that you provide in connection with a monetary transaction with the Platform must be accurate, complete, and current. You agree to pay all charges incurred by users of your payment method used in connection with a monetary transaction with the Platform at the prices in effect when such charges are incurred. You hereby authorize the collection of such amounts by charging your designated payment method or credit or debit card, either directly by us or indirectly via a third-party payment processor. We cannot control any fees that may be charged to you by your bank; accordingly, we disclaim any and all liability in this regard. If you are directed to a third-party payment processor, you will be subject to terms and conditions governing the use of that third party’s service and to that third party’s personal information collection practices. Please review such terms and conditions and privacy notice before using such third party’s services. Without limiting the generality of the foregoing, you acknowledge and understand that, by using certain services of the Platform, you agree to be bound by Stripe’s Services Agreement, and by the terms of service of any other third-party payment processor(s) that we may engage from time to time in our sole discretion. If you believe you have been improperly charged and would like to request a refund, please contact us at success@LevelGoals.com. You will pay, and indemnify Level for, all applicable taxes, if any, relating to any monetary transaction with the Platform.
No Professional Advice. To the extent professional information (such as legal, financial, accounting, tax, or investment) is provided through or in connection with the Platform, such information is for informational purposes only, should not be construed as professional advice, and is not a substitute for professional advice customized to any individual or business. The Platform is not intended to provide specific tax advice to any individual or business. You should seek independent professional advice from a competent professional who is licensed and/or qualified in the applicable area and/or consult the relevant government authority for specific questions about your situation. Level is not, and is not providing services in any capacity as, a financial planner, fiduciary, investment advisor, broker, accountant, paid tax preparer, legal counselor, or tax advisor, nor a credit repair or credit services organization, as defined under federal or state law. We make no representation that we will improve or attempt to improve your credit record, history, or rating. You acknowledge and agree that you are solely responsible for your own financial and tax-related determinations and decisions, including those relating to tax return reporting positions, that you will not rely on the Platform as the basis of your financial and/or tax-related decisions or tax return reporting positions, and that Level and its suppliers will not be liable for decisions or actions you take or authorize third parties to take on your behalf based on information you obtain from your access to and/or use of the Platform. Level does not determine if the tools and/or resources made available in connection with the Platform are suitable for your specific situation. Level makes no warranties with respect to, and is not otherwise responsible for, the services or products of any of its suppliers or the actions or inactions of any other third party.
Feedback
We welcome feedback, comments, and suggestions for improvements to the Platform. You can submit feedback by contacting us at support@levelgoals.com. You grant to us a non-exclusive, worldwide, perpetual, irrevocable, fully-paid, royalty-free, sublicensable, and transferable license under any and all intellectual property rights that you own or control to use, copy, modify, create derivative works based upon, and otherwise exploit the feedback for any purpose, such as in creating a publicly available knowledge base or FAQ.
Privacy Policy
Your privacy is important to us. Please review our Privacy Policy for information about the data we may collect and use. Our Privacy Policy is incorporated in these Terms, and is available at https://www.levelgoals.com/privacy-policy.
User Conduct
We invite you to participate in our community, but ask that you respect other Users just like yourself when posting Content and using the Platform.
You Agree NOT to:
- use language or transmit content that may be considered offensive or profane to other Users;
harass or threaten other users; - submit material that violates a third party’s proprietary rights, including privacy and publicity rights, or that otherwise violates any applicable law;
- publish falsehoods or misrepresentations that could damage Level, our Users, the Providers, or any third party;
- publish any private information of another (such as address or phone number) without permission;
submit material that is unlawful, obscene, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate;
post advertisements; - impersonate another person or represent yourself as affiliated with us, our staff, or other the Providers;
solicit a User’s password or other Account information; or
harvest User names, addresses, or email addresses for any purpose.
This list is an example and is not intended to be complete or exhaustive. Level does not have an obligation to monitor your access to, or use of, the Platform, but we reserve the right to do so for the purpose of operating the Platform, to ensure your compliance with these Terms, or to comply with applicable law or the order or requirement of a court, administrative agency, or other governmental body. We reserve the right, at any time and without prior notice, to remove or disable access to your Account or any Content that we consider, in our sole discretion, to be in violation of these Terms or otherwise harmful to the Platform.
Level Content
Subject to your compliance with these Terms, Level grants you a limited, non-exclusive, non-transferable, non-sublicenseable license to access and view our content (“Level Content”) solely in connection with your permitted use of the Platform. For the purposes of these Terms, Level Content shall include all text, graphics, images, site and screen layouts, arrangements and themes, music, software, audio, video, works of authorship by us or our affiliates of any kind, and information or other materials that are posted or generated by us, the Providers, or our affiliates.
You may not copy, borrow, modify, or otherwise reproduce, and must immediately cease using, copying, borrowing, modifying, or otherwise reproducing any site and screen layouts, arrangements and themes provided through the Platform. At no time is any User permitted to: (a) transfer, sublicense, sell, lease, lend, rent, or otherwise distribute Level Content or the Platform to a third party; (b) decompile, reverse-engineer, disassemble, or create derivative works of the Platform or any Level Content; or (c) use the Platform or Level Content in any unlawful manner, for any unlawful purpose, or in any manner inconsistent with these Terms or the Provider Terms.
Intellectual Property
The Platform contains material that may be protected by United States and international copyright, trademark, and other proprietary information, including, but not limited to, audio, video, graphic, photographic, and text information, and all Level Content. Level, and any of our licensors, exclusively own all right, title and interest in, and to the Platform and Level Content, including all associated intellectual property rights. You acknowledge that the Platform and Level Content are protected by copyright, trademark, and other laws of the United States and foreign countries. You agree not to remove, alter, or obscure any copyright, trademark, service mark, or other proprietary rights or notices incorporated in or accompanying the Platform and Level Content. Further, you may not modify, distribute, publish, transmit, publicly display, publicly perform, participate in the transfer or sale, create derivative works of, or in any way exploit any of the Level Content, in whole or in part. Any violation of these restrictions may result in intellectual property infringement that may subject you to civil and/or criminal penalties. You will be solely liable for any damage resulting from any infringement of copyrights, trademarks, proprietary rights or any other harm resulting from a submission of information protected by intellectual property rights in a third party, if such submission is made without express permission of the intellectual property rights holder.
DMCA/Copyright Policy
It is our policy to terminate in appropriate circumstances the Accounts of Users who repeatedly infringe the rights of copyright holders.
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 believe in good faith that Content infringes your copyright, you (or your agent) may send us a notice requesting that the Content be removed or access to it blocked. Federal law requires that your notification include the following information: (a) a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; (b) identification of the copyrighted work claimed to have been infringed or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site; (c) identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit us to locate the material; (d) information reasonably sufficient to permit us to contact you, such as an address, telephone number, and, if available, an electronic mail; (e) a statement 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 (f) a statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
The notification must be sent to: 701 N. 36th St. Ste 450, Seattle, WA 98103
We provide the above contact information for purposes of the DMCA only and reserve the right to respond only to correspondence that is relevant to this purpose.
Third Party Links
The Platform may contain links to or advertisements of third-party websites, applications, or resources (the “Third Party Links”) that are not affiliated with you, other Users, the Providers, or the Platform. We are not responsible for Third Party Links. You acknowledge sole responsibility for and assume all risk arising from your use of any third-party websites or resources. The terms and privacy policies of those third parties govern your use of those services.
Indemnity
You agree to defend, indemnify and hold harmless us, or our officers, directors, employees and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs, debts, or expenses (including but not limited to attorneys’ fees), to the extent allowed by applicable law, that arise from or are caused by: (a) your use of and access to the Platform; (b) your violation of these Terms; (c) your violation of any third party right, including without limitation any copyright, property, moral or privacy right; or (d) any claim that your Content caused damage to any third party. This section shall survive these Terms and your use and termination of the Platform.
Termination
You may pause your activity in the Platform at any time without terminating your Level account. If you wish to terminate your account instead, please contact success@levelgoals.com and we will assist you.
Subject to additional terms to which you and we may agree, we may terminate your access to and use of the Platform and Account at our sole discretion, at any time and without notice to you. Upon any termination, discontinuation, or cancellation of Platform or your Account, all provisions of these Terms which by their nature should survive will survive, including, without limitation, ownership provisions, indemnification, warranty disclaimers, limitations of liability, and dispute resolution provisions.
Warranty Disclaimers
The Platform and content are provided “as is,” without warranty of any kind. Without limiting the foregoing, we explicitly disclaim any warranties of merchantability, fitness for a particular purpose, quiet enjoyment or non-infringement, and any warranties arising out of course of dealing or usage of trade. We make no warranty that the Platform will meet your requirements or be available on an uninterrupted, secure, or error-free basis. We make no warranty regarding the quality, accuracy, timeliness, truthfulness, completeness or reliability of any content.
Limitation of Liability
Neither Level nor any other party involved in creating, producing, or delivering the services or content will be liable for any incidental, special, exemplary or consequential damages, including lost profits, loss of data or goodwill, service interruption, mobile damage or system failure or the cost of substitute services arising out of or in connection with these terms or from the use of or inability to use the Platform or content, whether based on warranty, contract, tort (including negligence), product liability or any other legal theory, and whether or not we has been informed of the possibility of such damage, even if a limited remedy set forth herein is found to have failed of its essential purpose.
In no event will our total liability arising out of or in connection with these terms or from the use of or inability to use the services or context exceed the lesser of the amounts you have paid to us for use of the services during the twelve (12) months prior to the cause of action, or one hundred dollars ($100), if you have not had any payment obligations to us, as applicable.
Dispute Resolution
Disputes concerning the Providers are governed by the Provider Terms. It is essential for you to read the Provider Terms as they contain terms that you agree to in your use of the Platform regarding dispute resolution with the Providers.
We prefer to resolve things amicably when possible; therefore, you agree to initially attempt to negotiate a potential settlement or resolution to a dispute concerning the Terms, the Privacy Policy, or the use of the Platform. In the event that informal negotiations are unsuccessful, the parties agree to follow the arbitration procedures set forth by the American Arbitration Association (AAA) to resolve the dispute in the jurisdiction of the State of Washington. Each of us is responsible for paying our own filing, administrative, and arbitrator fees. Judgment on the arbitration award may be entered in any court having jurisdiction thereof.
About This Agreement
If for any reason a court of competent jurisdiction finds any provision of these Terms invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect.
You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer these Terms, without such consent, will be null and of no effect.
Any notices or other communications provided by us under these Terms, including those regarding modifications to these Terms, will be given by us (a) via email; or (b) by posting to the Platform. For notices made by email, the date of receipt will be deemed the date on which such notice is transmitted.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of us. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies under these Terms or otherwise.
Questions
If you have any questions regarding these Terms, please contact us at success@levelgoals.com