This Platform is offered and available to users who are 18 years of age or older, and reside in the United States or any of its territories or possessions. By using this Platform, you represent and warrant that you are of legal age to form a binding contract with Todd and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Platform.
Accessing the Platform and Account Security
By using this Platform, you agree that Todd may provide your next-of-kin or other designated beneficiaries or advisors with your information. Information provided to Todd is AS-IS – we do not guarantee or warrant the accuracy or completeness of any information. To the extent you authorize and request that Todd contact third parties on your behalf of on behalf of your designated beneficiaries, Todd shall take reasonable actions to endeavor to execute such requests. Todd cannot guarantee that such requests will be made by Todd, nor that such requests shall be acted upon by the third party. It is your responsibility to ensure proper procedures are followed, Todd is merely a Platform and tool for assistance, but should not be relied upon by You, your next-of-kin, your designated beneficiaries, or your advisors.
By using the Platform, you hereby grant Todd authorization to act on your behalf or on behalf of your designated next-of-kin or beneficiaries as provided in the Platform. You grant Todd the right and authorization to share your information with your next-of-kin, beneficiaries, advisors, or other third parties (wealth managers, registered investment advisors, certified public accountants, attorneys, estate planners, and the like). This authorization shall be valid and existing until expressly revoked by You through written notice to Todd.
Intellectual Property Rights
The Platform uses proprietary methodology. The Platform and its contents, features, and functionality (including, but not limited to, all information, inputs, prompts, questions, templates, software, text, displays, images, video, audio, and the methodology, design, selection, and arrangement thereof) are owned by Todd, or its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
You must not:
The name, logo, related terms, product and service names, designs, and slogans are trademarks and the intellectual property of Todd or its affiliates or licensors. You must not use such marks without the prior written permission of Todd. All other names, logos, product and service names, designs, and slogans on this Platform are the trademarks of their respective owners.
Additionally, you agree not to:
The Platform utilizes interactive features (collectively, “Interactive Services”) that allow users to input, post, submit, publish, display, store, transmit, or otherwise create documents or materials (collectively, “User Contributions”) on or through the Platform.
By creating any User Contribution on the Platform, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any purpose/according to your account settings.
You represent and warrant that:
You understand and acknowledge that you are responsible for any User Contributions you create, and you, not Todd, have full responsibility for such content, including its legality, reliability, accuracy, and appropriateness.
We are not responsible or liable to any third party for the content or accuracy of any User Contributions created by you or any other user of the Platform.
Without limiting the foregoing, we have the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting or submitting any materials on or through the Platform. YOU WAIVE AND HOLD HARMLESS TODD AND ITS AFFILIATES, LICENSEES, AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY ANY OF THE FOREGOING PARTIES DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES.
We assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section, they are provided AS-IS.
User Contributions must in their entirety comply with all applicable federal, state, local, and international laws and regulations. Without limiting the foregoing, User Contributions must not:
Reliance on Information – INFORMATIONAL ONLY
The information presented on or through the Platform is made available solely for general information purposes and does not constitute legal, financial, or other advice. We do not warrant the accuracy, completeness, or usefulness of this information, including form documents and templates. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Platform, or by anyone who may be informed of any of its contents.
This Platform may include content provided by third parties, including materials provided by other users, third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by Todd, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of Todd and are provided to you AS-IS. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.
Information About You and Your Visits to the Platform
Links from the Platform
If the Platform contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Platform, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.
We provide this Platform for use only by persons located in the United States. We make no claims that the Platform or any of its content is accessible or appropriate outside of the United States. Access to the Platform may not be legal by certain persons or in certain countries. If you access the Platform from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
Disclaimer of Warranties
You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Platform will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE PLATFORM OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE PLATFORM OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.
YOUR USE OF THE PLATFORM, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE PLATFORM IS AT YOUR OWN RISK. THE PLATFORM, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE PLATFORM ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER TODD NOR ANY PERSON ASSOCIATED WITH TODD MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE PLATFORM. WITHOUT LIMITING THE FOREGOING, NEITHER TODD NOR ANYONE ASSOCIATED WITH TODD REPRESENTS OR WARRANTS THAT THE PLATFORM, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE PLATFORM WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE PLATFORM OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE PLATFORM WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.
TO THE FULLEST EXTENT PROVIDED BY LAW, TODD HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.
THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
Limitation on Liability
TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL TODD, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE PLATFORM, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE PLATFORM OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF TODD AND ITS SUBSIDIARIES AND AFFILIATES, AND THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS, TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE AMOUNT YOU HAVE PAID TO TODD, FOR THE APPLICABLE PRODUCT OR SERVICE OUT OF WHICH LIABILITY AROSE, IN THE LAST 12 MONTHS.
THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
Binding Individual Arbitration; No Class Actions
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
Dispute Resolution. Most issues can be resolved by contacting Todd’s customer support. If an issue cannot be resolved through customer support, you and Todd agree to resolve any such dispute as described herein, including (where applicable) by binding, individual arbitration. Arbitration is an alternative dispute-resolution procedure where the dispute is submitted to a neutral arbitrator (not a judge or jury) for fair and fast resolution.
If you have an issue that our customer support can’t resolve, prior to starting arbitration, you and Todd agree to attempt to resolve the dispute informally. You and Todd agree to make a good-faith effort to negotiate any dispute between us for at least 30 days (“Informal Resolution”). Those informal negotiations will start on the day you or Todd receive a written notice of such dispute. You will send written notice of such dispute to email@example.com. Include your name, any relevant account name you use, address, how to contact you, what the problem is, and what you want Todd to do. If Todd has a dispute with you, Todd will send our written notice to your registered email address and any billing address you have provided us. If the dispute isn’t resolved by Informal Resolution or small-claims court, you or Todd may start an arbitration in accordance with these Terms.
Disputes We Agree to Arbitrate
You and Todd agree to submit all Disputes between you and Todd to individual binding arbitration. “Dispute” means any dispute, claim, or controversy (except those specifically exempted below) between you and Todd that relates to your use or attempted use of Todd’s products or services and Todd’s products and services generally, including without limitation the validity, enforceability, or scope of this Binding Individual Arbitration section. You and Todd agree to arbitrate all Disputes regardless of whether the Dispute is based in contract, statute, regulation, ordinance, tort (including fraud, misrepresentation, fraudulent inducement, or negligence), or any other legal or equitable theory. The Informal Resolution and Arbitration sections do not apply to (1) individual actions in small-claims court; (2) pursuit of enforcement actions through a government agency if the law allows; (3) an action to compel or uphold any prior arbitration decision; (4) Todd’s right to seek injunctive relief against You in a court of law to preserve the status quo while an arbitration proceeds; (5) claims of intellectual-property infringement; (6) claims for indemnification; and (7) the enforceability of the Class Action Waiver clause below. You and Todd agree that whether a dispute is subject to arbitration under these Terms will be determined by the arbitrator rather than a court.
The arbitrator (not a judge or jury) will resolve the Dispute. Unless you and Todd agree otherwise, any decision or award will include a written statement stating the decision of each claim and the basis for the award, including the arbitrator’s essential factual and legal findings and conclusions. The arbitrator may only award legal or equitable remedies that are requested by you or Todd to satisfy one of our individual claims (that the arbitrator determines are supported by credible relevant evidence). The arbitrator may not award relief against Todd respecting any person other than you. Any decision or award may be enforced as a final judgment by any court of competent jurisdiction or, if applicable, application may be made to such court for judicial acceptance of any award and an order of enforcement. If you start the arbitration, you must pay any filing fees required for consumer arbitrations. These costs do not include your Attorneys’ fees and costs.
Class Action Waiver
To the maximum extent permitted by applicable law, you and Todd agree to only bring Disputes in an individual capacity and shall not:
ADDITIONAL ARBITRATION TERMS
If a Dispute must be arbitrated, you or Todd must start arbitration of the Dispute within one (1) year from when the Dispute first arose. If applicable law requires you to bring a claim for a Dispute sooner than one year after the Dispute first arose, you must start arbitration in that earlier time period. Todd encourages you to tell us about a Dispute as soon as possible so we can work to resolve it. The failure to provide timely notice shall bar all claims.
If all or any provision of this Binding Individual Arbitration agreement is found invalid, unenforceable, or illegal, then you and Todd agree that the provision will be severed and the rest of these Terms shall remain in effect and be construed as if any severed provision had not been included. The sole exception is that if the Class Action Waiver is found invalid, unenforceable, or illegal, you and Todd agree that it will not be severable; this entire Binding Individual Arbitration section will be void and unenforceable and any dispute will be resolved in court subject to the venue and choice of clauses specified in these Terms. Under no circumstances shall arbitration be conducted on a class basis without Todd’s express consent.
This Binding Individual Arbitration section survives any termination of these Terms or Todd’s provision of services to you.
Although Todd may revise these Terms in its discretion, Todd does not have the right to alter these Terms to arbitrate or the rules specified herein with respect to any Dispute once that Dispute arises.
Limitation on Time to File Claims
Waiver and Severability
If you send or transmit any communications or materials to Todd by mail, email, telephone, or otherwise, suggesting or recommending changes to the Platform, including without limitation, new features or functionality relating thereto, or any comments, questions, suggestions, or the like (“Feedback”), Todd is free to use such Feedback irrespective of any other obligation or limitation between the parties governing such Feedback. You hereby assign to Todd all right, title, and interest in, and Todd is free to use, without any attribution or compensation to any party, any ideas, know-how, concepts, techniques, or other intellectual property rights contained in the Feedback, for any purpose whatsoever, although Todd is not required to use any Feedback.
Relationship of the Parties
Consent to Receive Communications
Your Comments and Concerns
The Platform, including any software applications, websites, or other services, is operated by Todd and all Feedback, comments, requests for technical support, and other communications relating to the Platform should be directed to firstname.lastname@example.org.