FinanceLink

FinanceLink, LLC

End User License Agreement and Terms of Service

Effective Date: October 27, 2026 Last Updated: October 27, 2026

1. INTRODUCTION AND ACCEPTANCE

This End User License Agreement and Terms of Service (“Agreement”) is a legally binding agreement between you (“you,” “your,” or “User”) and FinanceLink, LLC, an Arizona limited liability company (“FinanceLink,” “Company,” “we,” “us,” or “our”).

This Agreement governs your access to and use of the FinanceLink website, applications, software, financial dashboards, account aggregation services, analytical tools, document storage features, AI-powered features, and related products and services (collectively, the “Services”).

By creating an account, clicking an acceptance button, purchasing a subscription, or otherwise accessing or using the Services after being presented with this Agreement, you acknowledge that you have read and agree to be bound by it. If you do not agree, you must not access or use the Services.

You represent that you are at least eighteen (18) years old, have the legal capacity to enter into this Agreement, and are authorized to agree to these terms.

If you use the Services on behalf of a business or another legal entity, you represent that you have authority to bind that entity to this Agreement. In that case, “you” and “your” also refer to that entity.

2. DESCRIPTION OF THE SERVICES

FinanceLink provides software designed to help individuals, households, and, where supported, businesses organize, view, analyze, and understand financial information.

Depending on your subscription, account permissions, integrations, and available features, the Services may include:

Not all features will be available to every User or at the time of initial launch. FinanceLink may introduce new features, change existing features, establish eligibility requirements, or discontinue particular features, subject to applicable law and any specific commitments made to you.

The Services are intended to assist with financial organization and understanding. They are not a substitute for your own judgment or the services of qualified professionals.

3. ELIGIBILITY AND ACCOUNTS

3.1 Eligibility

You must be at least eighteen (18) years old to create or maintain an account. The Services are initially intended for use by individuals located in the United States. FinanceLink may restrict or decline access where necessary to comply with applicable law, provider requirements, or legitimate security and operational needs.

3.2 Account registration

You agree to provide accurate, current, and complete information when registering and to maintain accurate account information. You must not impersonate another person, misrepresent your identity, or create an account for an unauthorized purpose.

3.3 Account security

You are responsible for maintaining the confidentiality of your login credentials, protecting your devices, and taking reasonable steps to secure your account.

You must promptly notify FinanceLink if you suspect unauthorized access, compromised credentials, or misuse of your account.

You are responsible for activity conducted through your account to the extent permitted by applicable law. You are not responsible under this provision for unauthorized activity caused by FinanceLink's own breach of this Agreement or failure to meet applicable legal obligations.

FinanceLink may implement authentication requirements, verification procedures, session controls, or other safeguards to protect the Services and Users.

3.4 One account per User and account sharing

Unless FinanceLink expressly supports a particular sharing arrangement, you may not share account credentials or permit another person to use your individual account.

Where household, spouse, advisor, accountant, or business access features are supported, you must use the permissions and access controls provided by FinanceLink rather than sharing credentials.

You may not sell, rent, sublicense, transfer, or commercially share your account or subscription without FinanceLink's prior written authorization.

4. LICENSE TO USE THE SERVICES

Subject to this Agreement and your applicable subscription, FinanceLink grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services for their intended purposes.

For business subscriptions or other expressly authorized organizational use, the license extends to the authorized business use and permitted users specified by the applicable plan or separate agreement.

This license does not transfer ownership of the Services, software, source code, intellectual property, or any other Company property to you.

Except as expressly permitted by applicable law or authorized by FinanceLink in writing, you may not copy, modify, distribute, sell, lease, sublicense, reverse engineer, decompile, disassemble, or create derivative works from the Services.

5. SUBSCRIPTIONS, FEES, AND BILLING

5.1 Subscription plans

FinanceLink may offer monthly subscriptions, annual subscriptions, free tiers, free trials, promotional pricing, or other subscription arrangements. Availability may vary by product, location, eligibility, and time.

The price, billing frequency, included features, trial duration, renewal terms, and any other material conditions applicable to your subscription will be presented at checkout or in the applicable plan terms.

If a separate written subscription agreement applies to you, that agreement will govern the subscription-specific terms it expressly addresses. This Agreement will continue to govern other matters unless the separate agreement expressly states otherwise.

5.2 Authorization to charge

By purchasing a paid subscription, you authorize FinanceLink and its designated payment processor to charge the applicable fees, taxes, and other disclosed amounts to your selected payment method.

You agree to provide valid payment information and keep it current. If a payment fails, FinanceLink may notify you, request an updated payment method, restrict paid features, or suspend paid access as permitted by applicable law.

5.3 Automatic renewal

Unless the checkout page or applicable subscription agreement states otherwise, paid subscriptions automatically renew at the end of each billing period for successive periods of the same duration.

Before you subscribe, FinanceLink will disclose the applicable price, billing frequency, renewal conditions, and cancellation method. By completing enrollment, you authorize recurring charges until your subscription is canceled.

Any required consent, renewal notice, reminder, or other disclosure will be provided as required by applicable law.

5.4 Cancellation

You may cancel your subscription through the account or subscription settings made available by FinanceLink, or through another method identified in your subscription terms.

Cancellation stops future renewals. Unless applicable law or the applicable subscription agreement provides otherwise, your paid access will continue through the end of the billing period already paid for, and you will not be charged for a subsequent renewal.

Canceling a subscription does not automatically delete your account or all associated data. Account closure and data deletion are addressed separately in this Agreement and in the FinanceLink Privacy Policy.

5.5 Refunds

Refund eligibility depends on the subscription, offer, applicable subscription agreement, and applicable law.

Unless otherwise stated in your subscription terms or required by law, refunds are considered on a case-by-case basis at FinanceLink's discretion. FinanceLink may consider the nature of the subscription, the timing of the request, usage, technical issues, and other relevant circumstances.

A refund policy or guarantee expressly included in an applicable subscription agreement or promotion will be honored according to its terms.

Canceling a subscription does not automatically entitle you to a refund for previously paid fees. Nothing in this section limits rights that cannot legally be waived.

5.6 Taxes

You are responsible for applicable taxes associated with your purchase, excluding taxes imposed on FinanceLink's income, unless applicable law provides otherwise.

5.7 Changes to pricing

FinanceLink may change subscription prices or plan features. Any price change affecting an existing subscription will be communicated in advance where required by law or the applicable subscription terms. Changes will apply prospectively and will not retroactively alter fees already paid.

6. FINANCIAL INFORMATION AND THIRD-PARTY INTEGRATIONS

6.1 Connected financial accounts

The Services may allow you to connect financial accounts through third-party providers, including account aggregation and accounting integration providers.

By connecting an account, you authorize the applicable connection process and related data access as presented to you. You represent that you are authorized to connect the account and permit the associated information to be accessed and processed.

You must not use the Services to access an account or information without the account holder's authorization.

6.2 Third-party services

Financial institutions, data aggregators, payment processors, accounting platforms, market data providers, valuation services, AI service providers, hosting providers, and other third parties may be involved in delivering the Services.

These third parties may have their own terms, privacy policies, eligibility requirements, and service limitations. Your use of a third-party service may be subject to those terms.

FinanceLink does not control every third-party system, data source, financial institution, or integration and cannot guarantee its availability, accuracy, completeness, or uninterrupted operation.

6.3 Data delays and errors

Financial data may be delayed, incomplete, unavailable, incorrectly categorized, duplicated, or inconsistent with information displayed by the originating institution or provider.

Balances, transactions, holdings, prices, valuations, business information, debt balances, and other data may reflect different reporting times or methodologies.

You are responsible for reviewing material financial information against appropriate source records before relying on it for consequential decisions.

6.4 No custody or transaction authority by default

Unless FinanceLink expressly introduces and documents a separate feature that provides otherwise, FinanceLink is an informational and analytical platform and does not take custody of your funds, execute investment trades, originate loans, or make payments on your behalf merely because you use the Services or connect an account.

A connection to a financial account does not itself authorize FinanceLink to initiate transactions from that account.

7. NO FINANCIAL, INVESTMENT, TAX, LEGAL, OR PROFESSIONAL ADVICE

7.1 General informational purpose

FinanceLink is a software and information service. Information, calculations, analytics, estimates, recommendations, projections, alerts, reports, AI-generated responses, and other outputs provided through the Services are for general informational, educational, and organizational purposes only.

FinanceLink does not provide financial, investment, securities, tax, legal, accounting, or other professional advice through the Services.

Nothing provided through the Services creates a fiduciary, advisory, professional, or client relationship between you and FinanceLink.

You should consult an appropriately qualified and, where required, licensed professional before making decisions involving investments, securities, taxes, estate planning, debt, business finances, real estate, insurance, or other matters requiring professional judgment.

7.2 Investment information

FinanceLink may display investment holdings, market data, portfolio performance, asset allocation, benchmarks, and related analytical information.

Such information is not a recommendation or solicitation to buy, sell, hold, or trade any security, investment product, or other financial instrument. FinanceLink does not undertake to assess whether a particular investment is suitable for you.

You remain solely responsible for your investment decisions and should consult a qualified professional where appropriate.

7.3 Tax strategies and educational insights

The Services may identify potential tax strategies, planning opportunities, deductions, credits, tax-location considerations, or other tax-related concepts.

Any such output indicates a potential topic for further investigation, not a determination that a strategy is available, lawful, suitable, or beneficial in your circumstances.

Tax outcomes depend on individual facts, applicable law, timing, documentation, and other factors. You should consult a qualified tax professional, such as a CPA or tax attorney where appropriate, before implementing a strategy.

FinanceLink does not guarantee tax savings, tax treatment, or eligibility for any tax benefit.

7.4 Debt analysis and financial scenarios

FinanceLink may calculate debt payoff scenarios, compare hypothetical payment strategies, model potential outcomes, or illustrate how changes in rates, payments, or assumptions could affect a financial position.

These are mathematical or illustrative scenarios based on the inputs, assumptions, and data available to the Services. They are not personalized financial advice, a guarantee of future results, or an instruction to take a particular action.

Actual outcomes may differ because of interest accrual, fees, lender terms, payment timing, changes in balances, and other factors. Review relevant loan documents and consult a qualified professional when appropriate.

7.5 No professional relationship

Using the Services does not establish an attorney-client, accountant-client, investment-adviser-client, tax-adviser-client, or other professional relationship.

Where FinanceLink introduces a separate professional service or a relationship with an independent professional, that relationship will be governed by its applicable terms and disclosures.

8. AI-GENERATED OUTPUTS, ESTIMATES, AND CALCULATIONS

8.1 AI-assisted features

The Services may use artificial intelligence, machine learning, automated calculations, statistical models, third-party models, or other automated methods to generate insights, summarize information, categorize transactions, estimate values, identify patterns, or model potential outcomes.

Such outputs may be inaccurate, incomplete, outdated, misleading, or inconsistent with other information.

AI-generated content may contain errors even when it appears detailed, confident, or precise. You should not treat any output as an established fact solely because it appears in the Services.

8.2 Estimates and valuations

The Services may display estimated values for real estate, privately held businesses, alternative assets, investments, or other property.

An estimate is not necessarily an appraisal, formal valuation, audited figure, executable market price, or amount you could realize in a transaction.

Actual value may differ materially based on market conditions, liquidity, ownership interests, property condition, transaction costs, valuation assumptions, and other factors.

8.3 User verification

You are responsible for reviewing assumptions, inputs, data, and outputs before using them to make consequential decisions. Where appropriate, obtain independent verification from source documents, financial institutions, valuation professionals, accountants, attorneys, or other qualified professionals.

To the extent permitted by law, FinanceLink disclaims responsibility for decisions you make solely on the basis of unverified estimates or automated outputs. This provision does not exclude liability that cannot lawfully be excluded.

9. USER CONTENT AND DATA

9.1 Ownership

As between you and FinanceLink, you retain your rights in financial information, documents, files, text, and other content you upload or submit to the Services (“User Content”), subject to the rights of third parties and any applicable provider terms.

This Agreement does not transfer ownership of your User Content to FinanceLink.

9.2 Limited license to operate the Services

You grant FinanceLink a limited, non-exclusive license to host, store, reproduce, transmit, display, format, analyze, and otherwise process User Content only as reasonably necessary to provide, maintain, secure, troubleshoot, and support the Services; perform actions you request; enforce this Agreement; and comply with applicable law.

This license extends to service providers acting on FinanceLink's behalf where reasonably necessary for those purposes and subject to applicable contractual and legal obligations.

The license ends when the relevant processing purpose ends, except to the extent retention or continued processing is necessary for legitimate operational purposes, security, dispute resolution, legal compliance, backups, or other purposes permitted by law and disclosed in the Privacy Policy.

Nothing in this Agreement grants FinanceLink ownership of your financial information or an unrestricted right to use your documents for unrelated purposes.

9.3 Your responsibilities

You represent that you have the rights and permissions necessary to submit User Content and authorize the processing described in this Agreement.

You must not upload or share information unlawfully, infringe another person's rights, or provide another person's confidential information without appropriate authorization.

You are responsible for the accuracy of information you manually enter, the permissions you grant, and the consequences of sharing information with other Users.

9.4 Household and business sharing

Where household collaboration, shared document storage, or business access is available, you are responsible for reviewing access permissions and ensuring that you are authorized to share the relevant information.

You should not assume that information shared with one User is automatically private from every other User who has been granted access to the same household, workspace, or shared resource.

FinanceLink's actual access controls, sharing settings, and applicable Privacy Policy govern how access is managed.

9.5 Data exports and deletion

FinanceLink may offer tools to export or download certain information. Export availability, formats, and limitations may vary by feature and subscription.

Upon account termination or deletion, FinanceLink will handle User Content in accordance with its Privacy Policy and applicable law. Some information may remain temporarily in backups or be retained where necessary for security, fraud prevention, accounting, dispute resolution, or legal compliance.

You are responsible for exporting information you wish to retain before closing your account, where export functionality is available.

10. FINANCELINK VAULT AND SECURITY

FinanceLink may provide document storage, organization, and sharing through FinanceLink Vault.

You must use Vault only for lawful purposes and must not upload malicious files, unlawful content, or material that you lack authorization to store or share.

FinanceLink uses security measures designed to protect the Services and information processed through them. No method of storage, transmission, authentication, or electronic security can be guaranteed to be completely secure.

You are responsible for protecting your credentials, managing shared access, and reviewing permissions before sharing sensitive documents.

You must promptly report suspected unauthorized access or security incidents through the contact method designated by FinanceLink.

Nothing in this Agreement guarantees that data will never be lost, accessed without authorization, or affected by a security incident. FinanceLink's obligations concerning security, incident response, and personal information remain subject to applicable law and the commitments expressly made in the Privacy Policy.

11. ACCEPTABLE USE AND RESTRICTIONS

You agree not to, and not to assist or permit another person to:

  1. Use the Services for unlawful activity, fraud, deception, identity theft, unauthorized financial access, or infringement of another person's rights.
  2. Access another person's accounts, documents, or financial information without appropriate authorization.
  3. Scrape, crawl, harvest, bulk-download, or systematically extract information from the Services using automated tools, scripts, bots, or similar methods, except through an interface or API expressly authorized by FinanceLink.
  4. Use automated agents or tools to circumvent access controls, usage limits, authentication, subscription restrictions, or security measures.
  5. Reverse engineer, decompile, disassemble, or attempt to discover source code, models, algorithms, or underlying components of the Services, except to the extent applicable law expressly permits such activity notwithstanding this restriction.
  6. Copy, resell, sublicense, redistribute, commercially share, or provide unauthorized third-party access to the Services or any portion of them.
  7. Circumvent subscription fees, usage limits, account restrictions, or licensing requirements.
  8. Interfere with the operation, integrity, availability, or security of the Services or their supporting systems.
  9. Upload malware, malicious code, or material designed to compromise systems or accounts.
  10. Use the Services to build, train, benchmark, or improve a competing product by extracting or using protected data, software, or outputs, except where expressly authorized by FinanceLink or permitted by applicable law.
  11. Misrepresent your identity, impersonate another person, or misrepresent your authorization to access information.
  12. Use the Services in a manner that violates applicable law or third-party contractual obligations.

Nothing in this section prohibits activity that applicable law expressly protects and that cannot lawfully be restricted by contract.

12. INTELLECTUAL PROPERTY

The Services, including their software, source code, design, layout, branding, logos, interfaces, documentation, and proprietary technology, are owned by FinanceLink or its licensors and are protected by applicable intellectual property laws.

Except for the limited license expressly granted in this Agreement, no rights are transferred to you.

You may not use FinanceLink's name, logos, trademarks, or branding in a manner that suggests endorsement, affiliation, or authorization without prior written permission.

If you provide suggestions, ideas, or feedback about the Services, you grant FinanceLink a non-exclusive, worldwide, royalty-free right to use that feedback to improve or develop its products and services, without compensation or obligation to you. This provision does not grant FinanceLink rights in your User Content beyond those described in this Agreement.

13. THIRD-PARTY CONTENT AND SERVICES

The Services may display or link to information, services, websites, or content provided by third parties.

FinanceLink does not control all third-party services and is not responsible for their independent policies, practices, availability, or content, except to the extent required by law or expressly agreed otherwise.

References to third-party products or providers do not constitute an endorsement, guarantee, or recommendation by FinanceLink.

Your use of third-party services may require separate agreements or authorizations.

14. AVAILABILITY AND CHANGES TO THE SERVICES

FinanceLink will use reasonable efforts to maintain the availability and functionality of the Services, but uninterrupted operation is not guaranteed.

The Services may be unavailable or limited because of maintenance, upgrades, security incidents, third-party outages, provider changes, internet or infrastructure failures, or other circumstances.

FinanceLink may update, modify, suspend, or discontinue features for legitimate operational, security, legal, or business reasons. Where required by law or an applicable subscription commitment, FinanceLink will provide appropriate notice or other remedies.

Nothing in this Agreement permits FinanceLink to disregard an express service commitment or right that cannot legally be waived.

15. DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

FINANCELINK DISCLAIMS ALL WARRANTIES THAT MAY LAWFULLY BE DISCLAIMED, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

FINANCELINK DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, COMPLETELY SECURE, OR COMPATIBLE WITH EVERY SYSTEM OR PROVIDER. FINANCELINK DOES NOT GUARANTEE THE ACCURACY, COMPLETENESS, TIMELINESS, OR RELIABILITY OF THIRD-PARTY DATA, AI-GENERATED OUTPUTS, VALUATIONS, PROJECTIONS, OR OTHER INFORMATION.

FINANCELINK DOES NOT WARRANT ANY PARTICULAR FINANCIAL RESULT, TAX SAVING, INVESTMENT OUTCOME, DEBT PAYOFF RESULT, BUSINESS VALUATION, PROPERTY VALUE, OR OTHER ECONOMIC BENEFIT FROM USING THE SERVICES.

YOU ACKNOWLEDGE THAT FINANCIAL DATA AND AUTOMATED ANALYSIS MAY CONTAIN ERRORS AND THAT YOU SHOULD VERIFY IMPORTANT INFORMATION BEFORE RELYING ON IT.

NOTHING IN THIS SECTION EXCLUDES OR LIMITS A WARRANTY OR RIGHT THAT CANNOT LAWFULLY BE EXCLUDED OR LIMITED.

16. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FINANCELINK AND ITS OWNERS, MEMBERS, OFFICERS, EMPLOYEES, CONTRACTORS, AFFILIATES, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST BUSINESS OPPORTUNITIES, LOSS OF GOODWILL, OR LOSS OF DATA, ARISING OUT OF OR RELATING TO THE SERVICES OR THIS AGREEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF FINANCELINK AND THE PERSONS IDENTIFIED ABOVE FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THIS AGREEMENT WILL NOT EXCEED THE GREATER OF:

(a) THE TOTAL AMOUNT YOU PAID DIRECTLY TO FINANCELINK FOR THE SERVICES DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR

(b) ONE HUNDRED U.S. DOLLARS (US $100).

IF YOU USED ONLY A FREE SERVICE AND PAID NO FEES, THE LIMIT IN SUBSECTION (b) WILL APPLY, TO THE EXTENT PERMITTED BY LAW.

THESE LIMITATIONS APPLY REGARDLESS OF THE FORM OF ACTION OR THEORY OF LIABILITY, INCLUDING CONTRACT, TORT, NEGLIGENCE, OR OTHERWISE, EVEN IF FINANCELINK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THESE LIMITATIONS DO NOT APPLY TO LIABILITY THAT CANNOT LAWFULLY BE EXCLUDED OR LIMITED, OR TO ANY OTHER LIABILITY THAT APPLICABLE LAW REQUIRES TO REMAIN UNLIMITED.

17. INDEMNIFICATION

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless FinanceLink and its owners, members, officers, employees, and agents from third-party claims, liabilities, damages, losses, and reasonable costs, including attorneys' fees, arising from:

(a) your unlawful use of the Services; (b) your material breach of this Agreement; (c) your infringement of a third party's intellectual property or other rights; or (d) your submission or sharing of User Content in violation of applicable law or another person's rights.

This obligation does not apply to the extent a claim arises from FinanceLink's own negligence, willful misconduct, breach of this Agreement, or other conduct for which indemnification cannot lawfully be required from you.

FinanceLink will provide reasonable notice of a covered claim where practicable. FinanceLink may participate in the defense with counsel of its choice. You may not settle a claim in a manner that imposes an obligation, admission, or liability on FinanceLink without FinanceLink's prior written consent.

18. SUSPENSION AND TERMINATION

18.1 Termination by you

You may stop using the Services at any time. You may cancel a paid subscription according to Section 5 and request account closure through the process designated by FinanceLink.

18.2 Suspension or termination by FinanceLink

FinanceLink may suspend, restrict, or terminate access to all or part of the Services if reasonably necessary to:

Where practicable and legally permitted, FinanceLink will provide notice and an opportunity to resolve the issue before imposing a non-urgent suspension or termination. FinanceLink may act immediately when necessary to address an urgent security, fraud, legal, or safety concern.

18.3 Effect of termination

Upon termination, your license to use the affected Services ends. You must stop using any terminated features and may lose access to associated functionality.

FinanceLink will handle your data in accordance with its Privacy Policy and applicable law. Where reasonably practicable and available, FinanceLink may provide an opportunity to export data before permanent deletion, but it does not guarantee that export functionality will remain available after termination.

Termination does not automatically entitle you to a refund. Refunds remain subject to Section 5, applicable subscription terms, and applicable law.

18.4 Surviving provisions

Provisions that by their nature should survive termination will survive, including provisions concerning intellectual property, outstanding payment obligations, disclaimers, limitations of liability, indemnification, dispute resolution, and other accrued rights and obligations.

19. DISPUTE RESOLUTION AND ARBITRATION

IMPORTANT: THIS SECTION AFFECTS HOW DISPUTES MAY BE RESOLVED. IT INCLUDES A PROPOSED BINDING ARBITRATION AGREEMENT AND CLASS-ACTION WAIVER THAT SHOULD BE REVIEWED BY LEGAL COUNSEL BEFORE PUBLICATION.

19.1 Informal resolution

Before initiating arbitration, you and FinanceLink agree to make a good-faith effort to resolve a dispute informally.

The party raising the dispute should provide written notice describing the dispute and the requested resolution. Notices to FinanceLink must be sent to the dispute contact or address designated in the published contact information.

The parties will allow thirty (30) days after receipt of the notice to attempt an informal resolution, unless the parties agree otherwise or urgent relief is reasonably necessary.

19.2 Agreement to arbitrate

To the extent permitted by applicable law, you and FinanceLink agree that disputes arising out of or relating to this Agreement or the Services will be resolved through final and binding individual arbitration rather than in court, except for claims that applicable law permits to be brought in small claims court and the other exceptions stated below.

The Federal Arbitration Act governs the interpretation and enforcement of this arbitration provision to the extent applicable.

Arbitration will be administered by the American Arbitration Association (“AAA”) under its applicable Consumer Arbitration Rules, or under another set of applicable rules selected by agreement of the parties if the AAA is unavailable.

The arbitration will be conducted by a single neutral arbitrator. Unless applicable rules or law require otherwise, the arbitrator may conduct proceedings remotely, based on written submissions, or by another reasonably appropriate method.

The arbitrator may award any individual relief that would be available in court under applicable law, subject to the limitations in this Agreement that are legally enforceable.

19.3 Arbitration costs

Arbitration fees and costs will be allocated according to the applicable arbitration rules and applicable law. FinanceLink will pay any fees that it is required to pay under those rules or law.

Nothing in this Agreement requires you to pay arbitration costs that applicable law or the applicable arbitration rules prohibit FinanceLink from imposing on you.

19.4 Small claims court

Either party may bring an individual claim in a small claims court of competent jurisdiction if the claim qualifies for that court and remains an individual action.

19.5 Class-action and representative-action waiver

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AND FINANCELINK AGREE TO BRING CLAIMS AGAINST EACH OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

The arbitrator may not combine claims of multiple individuals or preside over a class or representative proceeding unless applicable law requires otherwise.

This waiver does not apply to the extent a waiver of a particular claim or remedy is prohibited by applicable law.

19.6 Court proceedings and other exceptions

Nothing in this section prevents either party from seeking temporary or preliminary injunctive relief from a court of competent jurisdiction where reasonably necessary to protect intellectual property, confidential information, account security, or other rights pending resolution of a dispute.

Nothing in this Agreement prevents you from contacting a government agency, submitting a complaint, or exercising a right that cannot lawfully be waived.

19.7 Arbitration provision review

The parties intend this section to be interpreted and applied to the maximum extent permitted by law. If a portion is unenforceable, the remaining provisions will continue to apply to the extent legally permissible.

Any further severance or modification of a class-action waiver or arbitration provision must comply with applicable law.

20. GOVERNING LAW AND VENUE

This Agreement is governed by the laws of the State of Arizona, without regard to its conflict-of-law principles, except to the extent federal law or another mandatory law applies.

Subject to the arbitration provisions above and applicable law, courts located in Arizona will have jurisdiction over proceedings that are properly brought before a court.

Nothing in this section limits mandatory consumer rights or venue protections under applicable law.

21. CHANGES TO THIS AGREEMENT

FinanceLink may update this Agreement from time to time to reflect changes in the Services, applicable law, business practices, or operational requirements.

FinanceLink will update the “Last Updated” date when changes are made. Where required by law or appropriate given the significance of the changes, FinanceLink will provide notice through the Services, by email, or through another reasonable method.

Changes will apply prospectively from the effective date stated in the revised Agreement, except where applicable law permits otherwise. If a material change requires affirmative consent, FinanceLink will obtain that consent as required.

Your continued use of the Services after an updated Agreement becomes effective constitutes acceptance only to the extent permitted by applicable law. If you do not agree to a revised Agreement, you must stop using the affected Services and may cancel your subscription according to the applicable terms.

22. ELECTRONIC COMMUNICATIONS AND SIGNATURES

You agree that FinanceLink may provide agreements, notices, disclosures, receipts, and other communications electronically, subject to applicable law and any separate consent requirements.

You agree to maintain a valid email address and review notices sent to your registered contact information.

Electronic acceptance may constitute a legally binding signature where permitted by applicable law. You may withdraw consent to electronic records where the law provides that right, although doing so may affect your ability to use certain Services.

Any required consumer disclosures concerning electronic records, consent, access, or withdrawal will be provided separately where required.

23. GENERAL PROVISIONS

23.1 Entire agreement

This Agreement, together with the Privacy Policy and any applicable subscription terms or separate written agreements, constitutes the agreement between you and FinanceLink concerning the Services covered by those documents.

If a separate agreement expressly overrides a provision of this Agreement, that provision will be controlled by the separate agreement to the extent of the conflict.

23.2 Severability

If any provision of this Agreement is found unenforceable, the remaining provisions will remain effective to the extent permitted by law. An unenforceable provision will be modified only to the extent legally permissible and necessary to make it enforceable, where appropriate.

23.3 No waiver

A failure or delay by FinanceLink to enforce a provision does not waive its right to enforce that provision later.

23.4 Assignment

You may not assign or transfer this Agreement or your rights under it without FinanceLink's prior written consent, except where applicable law provides otherwise.

FinanceLink may assign this Agreement in connection with a merger, acquisition, corporate reorganization, sale of assets, or other lawful transfer of the business or relevant Services, subject to applicable law.

23.5 No third-party beneficiaries

Except as expressly stated in this Agreement, it does not create rights for third-party beneficiaries.

23.6 Force majeure

To the extent permitted by law, FinanceLink will not be liable for a delay or failure to perform caused by circumstances beyond its reasonable control, including natural disasters, widespread infrastructure failures, internet or telecommunications disruptions, third-party service outages, government actions, or other events outside its reasonable control.

This provision does not excuse obligations that cannot legally be excused or eliminate rights that applicable law preserves.

23.7 Interpretation

Headings are for convenience and do not affect interpretation. The words “including” and “include” mean “including without limitation.”

23.8 Contact information

Questions regarding this Agreement, account access, or legal notices may be directed to:

FinanceLink, LLC Arizona, United States Email: info@financelinksuite.com

FinanceLink may designate different contact methods for privacy requests, security incidents, billing disputes, or legal notices in the Privacy Policy or on its website.

24. ACKNOWLEDGMENT

By creating an account, accepting this Agreement, or using the Services after being presented with these terms, you acknowledge that:

End of Agreement