These Website Terms of Use (the “Terms”) govern your access to and use of the public website and website content located at https://mytivamo.com, https://www.mytivamo.com (which redirects to https://mytivamo.com), and https://privacy.mytivamo.com, including public webpages, landing pages, blogs, FAQs, forms, newsletters, downloadable materials, calculators, demos, product descriptions, educational resources, and other public content available through those websites (collectively, “Website(s)”).
The Website(s) are operated by TiVaMo, Inc., a Texas corporation (“Company,” “we,” “us,” or “our”).
By accessing or using the Website(s), you agree to these Terms. If you do not agree to these Terms, do not use the Website(s).
1. Scope of These Terms
1.1 Public Website(s) Only
These Terms apply only to the public Website(s) and the content, materials, and information made available through the public Website(s) (collectively, “Website Content”). These Terms do not govern any logged-in product, account, subscription, checkout, payment, financial-data connection, account-linking feature, advisory service, brokerage service, tax service, lending service, insurance service, AI-generated output, or other product or service that may be offered by us or by a third party.
1.2 Separate Product Terms
Separate terms may apply to products and services provided by TiVaMo to customers (collectively, “Separate Terms”). If Separate Terms, including without limitation the terms apply to a product or service and conflict with these Terms, the Separate Terms control for that product or service.
1.3 Website Content and Service Descriptions
The Website(s) may describe products, services, features, integrations, providers, pricing, launch timelines, beta programs, waitlists, promotions, or other offerings. Those descriptions are provided for general informational and marketing purposes only. They do not create a binding commitment to offer, deliver, or maintain any product, service, feature, integration, timeline, price, or commercial term.
2. Eligibility and Intended Audience
2.1 United States Audience
The Website(s) is intended for visitors in the United States. Products and services described on the Website(s) may be available only in the United States and may not be available in all states or jurisdictions. We make no representation that the Website(s) or any product or service described on it is appropriate or available outside the United States.
2.2 Age Requirement
You must be at least 18 years old to use interactive Website features, including demo requests, contact forms, waitlists, downloads, event registrations, surveys, support inquiries, or newsletter signups. By using those features, you represent that you meet this requirement.
3. User Responsibilities and Prohibited Conduct
3.1 Compliance With Laws
You may use the Website(s) only for lawful purposes and in accordance with these Terms. You are responsible for complying with all laws, rules, and regulations that apply to your use of the Website.
3.2 Accurate Information
If you submit information through the Website, you agree that the information will be accurate, current, complete, and lawfully provided. You may not impersonate another person, misrepresent your identity or affiliation, or submit information that you do not have the right to provide.
3.3 Prohibited Uses
You may not, directly or indirectly, whether on your own behalf or on behalf of a third party:
- use all or any portion of the Website(s) in any way that violates any law, regulation, court order, contractual duty, or third-party right;
- interfere with, disrupt, damage, overload, or impair the Website(s) or any server, network, system, database, or service connected to the Website(s);
- attempt to gain unauthorized access to any nonpublic area, system, account, network, database, server, or other technology;
- introduce viruses, malware, trojan horses, worms, logic bombs, corrupted files, or other harmful or disruptive code;
- test, scan, probe, or attempt to bypass the vulnerability, authentication, security, or access controls of the Website(s) or any related system without our prior written authorization;
- use the Website(s) to send spam, unsolicited messages, deceptive communications, phishing attempts, or other harmful communications;
- submit or transmit content that is unlawful, false, misleading, defamatory, obscene, harassing, threatening, discriminatory, abusive, infringing, invasive of privacy, or otherwise harmful;
- infringe, misappropriate, or violate intellectual property, privacy, publicity, confidentiality, or other rights;
- copy, frame, mirror, sell, resell, distribute, publicly display, publicly perform, or commercially exploit the Website(s) or Website Content except as expressly permitted by these Terms; or
- use the Website(s) in any way that harms, disrupts, or creates risk for us, our users, our service providers, or any third party.
3.4 Scraping, Automation, AI Training, and Competitive Use
You may not use bots, crawlers, scrapers, scripts, browser extensions, offline readers, data-mining tools, or other automated means to access, scrape, copy, monitor, extract, harvest, or analyze Website Content without our prior written permission.
You may not use Website Content to train, develop, improve, benchmark, validate, or market a competing artificial intelligence model, product, dataset, database, service, or platform, except with our prior written permission or to the extent such restriction is prohibited by applicable law.
Ordinary search-engine indexing is permitted if it is consistent with industry practice and our robots.txt file.
3.5 Account and Credential Security
The public Website(s) generally do not require an account. If we make any nonpublic Website feature available through a username, password, access link, demo portal, gated download, webinar account, support account, or similar credential, you are responsible for maintaining the confidentiality of that credential and for all activity conducted through it.
You must promptly notify us if you believe any credential has been lost, stolen, compromised, or used without authorization. We may disable or restrict access to any credential or nonpublic Website feature if we believe there is a security risk, misuse, unauthorized access, or violation of these Terms.
Product accounts, subscriptions, account-linking features, and logged-in services are governed by Separate Terms.
3.6 Communications Through Website-Connected Channels
You may not submit abusive, harassing, threatening, discriminatory, obscene, misleading, unlawful, infringing, or harmful communications through Website forms, support channels, email, chat, social media, or other channels connected to the Website. You may not submit false, misleading, malicious, unlawful, infringing, or harmful materials through Website forms or communication channels.
4. Forms, Inquiries, Communications, and Website Submissions
4.1 Information You Submit
If you submit information through the Website, including through contact forms, demo requests, waitlists, event registrations, newsletter signups, downloads, surveys, or support inquiries, you agree that the information you provide will be accurate, current, complete, and lawfully provided. You also represent that you have the right to provide the information and that your submission does not violate any law or third-party right.
4.2 No Sensitive or Confidential Information Through Public Forms
Do not submit confidential, proprietary, sensitive, regulated, financial account, payment-card, government identification, health, biometric, or other sensitive information through public Website forms unless we specifically request it through a secure channel designated for that purpose.
4.3 Submissions Must Be Lawful
You may not submit false, misleading, malicious, unlawful, infringing, abusive, harassing, threatening, discriminatory, obscene, or harmful materials through Website forms, support channels, email, chat, social media, or other channels connected to the Website.
4.4 Privacy Policy Applies
Our collection, use, disclosure, and protection of personal information submitted through the Website(s) is described in our Privacy Policy, available at https://privacy.mytivamo.com.
4.5 Accounts and Products
Any account creation, account access, user profile, subscription, product use, or product support is governed by Separate Terms.
5. Purchases and Separate Commercial Terms
5.1 Pricing and Promotions
The Website(s) may describe pricing, subscriptions, trials, promotions, paid offerings, or other commercial terms. Those descriptions are informational unless and until you agree to separate checkout terms, order terms, subscription terms, product terms, payment-provider terms, or other transaction-specific terms.
5.2 Payments and Billing
Purchases, subscriptions, trials, renewals, cancellations, refunds, billing authorizations, payment methods, taxes, failed payments, and payment disputes, when offered, are governed by the applicable checkout, subscription, product, payment-provider, or other transaction-specific terms presented before purchase. No purchase is presently completed solely under these Website Terms, and these Website Terms do not modify any separate commercial terms.
6. Privacy
Our collection, use, disclosure, and protection of personal information through the Website(s) are described in our Privacy Policy at https://privacy.mytivamo.com. If you create an account, connect a financial account, use account-linking features, use AI-enabled features, initiate a payment, subscribe to a paid service, or use products or services outside the public Website(s), additional terms, authorizations, disclosures, and notices may apply.
7. Intellectual Property and Website Content
7.1 Ownership
The Website and Website Content, including content, design, text, graphics, logos, trademarks, service marks, software elements, interfaces, videos, downloadable materials, educational resources, calculators, templates, guides, and other materials, are owned by or licensed to us and are protected by intellectual property and other laws.
7.2 Permitted Use of Public Content
You may view the public Website(s) and may download or print reasonable portions of public Website Content solely for your personal, non-commercial, or internal business evaluation purposes, provided that you do not remove any copyright, trademark, or other proprietary notices and do not otherwise violate these Terms.
7.3 Restrictions
Except as expressly permitted in these Terms or with our prior written permission, you must at all times comply with Section 3 (User Responsibilities and Prohibited Conduct) and may not copy, modify, distribute, frame, scrape, mirror, sell, resell, publicly display, publicly perform, reverse engineer, create derivative works from, store, transmit, download in bulk, or commercially exploit the Website(s) or Website Content.
7.4 Educational Materials
You may not use Website Content, including trainings, videos, webinars, templates, calculators, guides, blog posts, or other educational materials, for commercial training, commercial education, resale, redistribution, competitive purposes, or otherwise in violation of Section 7.3 (Restrictions) without our prior written consent. Attribution does not grant permission for commercial use unless we expressly authorize that use.
7.5 Reservation of Rights
All rights not expressly granted in these Terms are reserved by us and our licensors.
8. Trademarks
TiVaMo, Inc., TiVaMo Individualized Financial Platform, our logos, product names, service names, slogans, taglines, designs, trade dress, and related marks are trademarks or service marks of us or our licensors. You may not use our marks without our prior written permission.
All third-party names, logos, product names, service names, designs, and slogans appearing on the Website(s )are the property of their respective owners. References to third-party marks do not imply endorsement, sponsorship, affiliation, or approval unless expressly stated.
9. Feedback
If you submit ideas, suggestions, comments, feedback, questions, testimonials, reviews, survey responses, or other materials through the Website, you represent that you have the right to provide them and that they do not violate any law or third-party right.
You grant us a nonexclusive, worldwide, royalty-free, fully paid, sublicensable, transferable, perpetual, and irrevocable license to use, reproduce, modify, create derivative works from, publish, distribute, display, perform, and otherwise use your submissions for our business purposes, including to operate, improve, develop, market, and promote the Website(s) and our products and services.
If we want to use your name, likeness, or testimonial in a public marketing endorsement, we may request additional consent or a separate release.
10. Financial, Professional Advice, and Website Tools Disclaimer
10.1 General Disclaimer
The information and materials available on the Website(s) are provided for general informational and educational purposes only. They do not constitute financial, investment, tax, legal, accounting, credit, lending, insurance, brokerage, fiduciary, or other professional advice, and should not be relied upon as such.
10.2 No Recommendation or Solicitation
Nothing on the Website(s) is an offer, recommendation, solicitation, endorsement, or professional recommendation to buy, sell, hold, borrow, lend, insure, invest in, or enter into any security, financial product, financial account, loan, payment product, insurance product, transaction, strategy, or service. Any examples, illustrations, calculators, projections, forecasts, sample outputs, screenshots, articles, guides, or other materials are provided for informational purposes only and may not reflect your personal circumstances.
10.3 Website Tools, AI Descriptions, and Illustrations
The Website(s) may describe or display AI-enabled features, automation, analytics, calculators, forecasts, sample outputs, screenshots, projections, demos, or other tools. These materials are provided for general informational and marketing purposes only and may not reflect actual product performance, current functionality, or your individual circumstances.
10.4 No Professional Relationship
Your use of the Website(s) does not create any fiduciary, adviser-client, broker-client, bank-customer, tax professional, accountant-client, attorney-client, agency, partnership, joint venture, employment, or other professional relationship with us, unless expressly stated in separate written terms signed or accepted by the applicable parties.
10.5 Independent Review
You are solely responsible for evaluating the accuracy, completeness, timeliness, suitability, and relevance of any information available on the Website(s) before relying on it or taking any action. Before making financial, investment, tax, legal, accounting, insurance, credit, lending, or other decisions, you should consult qualified professionals who understand your individual circumstances.
10.6 Separate Regulated Services
Any advisory, brokerage, payment, banking, account-linking, financial-data, tax, insurance, lending, AI-output, or other regulated service is governed only by the separate terms, disclosures, consents, and agreements applicable to that service.
11. Product Information and Availability
We may update, modify, delay, suspend, discontinue, replace, limit, or decline to offer any product, service, feature, integration, beta program, waitlist, promotion, or other offering described on the Website(s) at any time. We do not guarantee that any Website Content will remain current, complete, or available.
12. Third-Party Links, Providers, and External Resources
12.1 Third-Party Links
The Website(s) may include links to third-party websites, publications, resources, tools, platforms, social media pages, events, or other materials. These links are provided for convenience only.
12.2 Third-Party Terms Apply
Third-party resources are governed by the applicable third party’s terms, policies, and privacy notices. We do not control, endorse, guarantee, or assume responsibility for any third-party resource, including its content, accuracy, availability, security, products, services, or practices.
12.3 Product Integrations and Providers
The Website(s) may describe or link to third-party providers or integrations. Any product feature involving a third-party provider, including payments, account-linking, financial data, AI technology, banking, brokerage, advisory, lending, insurance, tax, or other services, may be governed by separate provider terms, authorization flows, disclosures, and privacy notices.
13. Public Financial Content, Third-Party Content, and Illustrative Materials
13.1 Public Financial Content
The Website(s) may include educational content, financial concepts, third-party information, sample data, estimated figures, rates, benchmarks, projections, forecasts, examples, screenshots, calculators, and other illustrative materials. These materials are provided for informational and marketing purposes only. They may be incomplete, outdated, inaccurate, unavailable, or changed without notice.
13.2 No Duty to Update
We do not guarantee the accuracy, completeness, timeliness, availability, suitability, performance, or results of public Website Content. We have no obligation to update Website Content after posting.
13.3 Third-Party Content
If the Website(s) include third-party content, including testimonials, reviews, guest content, embedded content, syndicated materials, partner materials, user-submitted materials, or third-party reports, that content is the responsibility of its provider and does not necessarily reflect our views. We do not endorse, verify, or assume responsibility for third-party content unless we expressly say otherwise.
13.4 Product Content Excluded
Real-time data, account information, market data, analytics, recommendations, projections, AI outputs, personalized insights, or calculations provided through a logged-in or paid service are governed by Separate Terms.
14. Website Disclaimer
14.1 As Is and As Available
The Website(s) and Website Content are provided on an “as is” and “as available” basis. To the fullest extent permitted by applicable law, we disclaim all warranties, representations, and conditions of any kind, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, availability, uninterrupted operation, security, error-free operation, and suitability.
14.2 No Guarantee
We do not guarantee that Website Content is accurate, complete, current, error-free, uninterrupted, secure, or suitable for any particular purpose. We do not warrant that the Website(s) will be available, secure, uninterrupted, timely, accurate, complete, or free of errors, viruses, malware, or harmful components.
14.3 Downloads and Harmful Code
If the Website(s) provide downloadable materials, we do not guarantee that those materials will be free from viruses, malware, destructive code, or other harmful components. You are responsible for using appropriate security safeguards, anti-virus protections, backup procedures, and data-reconstruction procedures. You download and use Website materials at your own risk.
14.5 Nonwaivable Rights
Nothing in these Terms limits any rights or remedies that cannot be waived under applicable law.
15. Limitation of Liability
15.1 Excluded Damages
To the fullest extent permitted by applicable law, we and our affiliates, officers, directors, employees, agents, licensors, and service providers will not be liable for any indirect, incidental, consequential, special, exemplary, punitive, enhanced, lost profit, lost revenue, lost savings, lost data, loss of goodwill, business interruption, lost opportunity, or similar damages arising out of or relating to the Website, Website Content, third-party links, third-party content, downloads, or your use of or inability to use the Website.
15.2 Liability Cap
To the fullest extent permitted by applicable law, our total liability for all claims arising out of or relating to the Website(s) or these Terms will not exceed the greater of $100 or the amount you paid us, if any, specifically for access to the public Website(s) during the 12 months before the event giving rise to the claim. The limitations in this Section apply regardless of the legal theory, including warranty, contract, tort, statute, negligence, strict liability, or otherwise, even if we have been advised of the possibility of such damages.
15.3 Nonwaivable Rights
The disclaimers, exclusions, and limitations in these Terms apply only to the fullest extent permitted by applicable law.
16. Indemnity
To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless us and our affiliates, officers, directors, employees, agents, licensors, and service providers from and against any claims, demands, actions, losses, liabilities, damages, judgments, settlements, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to:
- your misuse of the Website;
- your violation of these Terms;
- information or materials you submit through the Website;
- your violation of any law or third-party right;
- your infringement or misappropriation of intellectual property, privacy, publicity, or other rights;
- security abuse, scraping, automated access, or attempted unauthorized access involving the Website;
- misuse of Website downloads or educational materials; or
- abusive, unlawful, or harmful communications through Website forms or support channels.
17. Website Changes and Access Restrictions
We may update, modify, suspend, discontinue, replace, or remove all or part of the Website(s) or Website Content at any time, with or without notice. We may restrict, block, suspend, or terminate access to the Website(s) for misuse, legal risk, security risk, interference, infringement, abusive communications, harm, or violation of these Terms.
This Section does not govern account suspension, subscription termination, product access, data export, or deletion rights, which are addressed in applicable Separate Terms.
18. Governing Law and Jurisdiction
These Terms and any dispute arising out of or relating to the public Website(s) or these Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles. Any court proceeding arising out of or relating to the public Website(s) or these Terms must be brought exclusively in the state or federal courts located in Collin County, Texas. Each party consents to personal jurisdiction and venue in those courts and waives objections to jurisdiction, venue, or inconvenient forum to the fullest extent permitted by law. These governing-law and jurisdiction provisions do not limit any rights or remedies that cannot be waived under applicable law.
19. Changes to These Terms
We may update these Terms from time to time by posting a revised version on the Website(s) and updating the effective date. The revised Terms will apply to future Website(s) use after posting, except where additional notice or consent is required by law. Your continued use of the Website(s) after revised Terms become effective means you accept the revised Terms for future Website(s) use.
20. Copyright and IP Contact
If you believe that material available on the Website(s) infringes your copyright, trademark, or other intellectual property rights, you may contact us at legal@mytivamo.com with:
- your name and contact information;
- a description of the work or right you claim has been infringed;
- the specific URL or location of the material you believe is infringing;
- a statement explaining why you believe the use is not authorized; and
- any other information reasonably necessary for us to review your request.
If the Website(s) later allows user-generated content, uploads, public comments, reviews, testimonials, or community posts, we may publish a separate copyright takedown policy.
21. Contact Information
Questions, legal notices, or other communications about these Terms may be sent to: TiVaMo, Inc., Attn: Legal Department, 710 Glen Rose Drive, Allen, TX 75013; email: legal@mytivamo.com. Notices to us should use these contact details unless Separate Terms specify another notice process.
Notices to us should be sent using the contact details in this Section unless Separate Terms specify another notice process.
22. Miscellaneous
22.1 Entire Agreement for Website Use
These Terms, together with any policies or notices incorporated by reference, are the entire agreement between you and us regarding your use of the public Website.
22.2 Separate Documents
These Terms apply only to the public Website(s) and do not modify any separate agreement, policy, notice, organizational document, or other legal document that applies to a different relationship with us.
22.3 Severability
If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect. The invalid, illegal, or unenforceable provision will be limited or modified to the minimum extent necessary to make it enforceable, if permitted by law.
22.4 No Waiver
Our failure to enforce any provision of these Terms is not a waiver of our right to do so later. Any waiver must be in writing to be effective.
22.5 Assignment
You may not assign or transfer these Terms or any rights or obligations under them without our prior written consent. We may assign or transfer these Terms in connection with a merger, acquisition, financing, reorganization, sale of assets, change of control, or by operation of law.
22.6 No Relationship
Your use of the public Website(s) does not create any fiduciary, adviser-client, broker-client, bank-customer, tax professional, accountant-client, attorney-client, agency, partnership, joint venture, or employment relationship with us, unless expressly stated in separate written terms.
22.7 Interpretation
Terms such as “including,” “such as,” “for example,” and similar expressions are illustrative and non-exhaustive. Section headings are for convenience only and do not affect interpretation.
22.8 Survival
Provisions that by their nature should survive termination or discontinuation of Website(s) use will survive, including provisions addressing intellectual property, trademarks, feedback, disclaimers, limitation of liability, indemnity, governing law, forum, separate documents, and miscellaneous terms.
Disclaimer
Website Content is for informational purposes only and does not constitute financial, investment, tax, legal, accounting, credit, lending, insurance, brokerage, fiduciary, or other professional advice. Nothing on the Website(s) are a recommendation, offer, solicitation, or endorsement of any financial product, strategy, or service. Product features and AI-generated outputs, if any, are governed by separate terms.