Terms of Service

These Terms of Service apply to the SPENDiD websites located at https://spendid.io or https://mybudgetreport.com and the developer site at https://spendid.readme.io and all associated sites linked to any site listed above owned by Marthaler-Hill, LLC, its subsidiaries and affiliates (those sites, the “Site”). The Site is owned by Marthaler-Hill, LLC (“SPENDiD”). The user agreement also incorporates by reference the Terms of Service, and the Privacy Policy also available at the Sites.

BY USING THE SITES, YOU AGREE TO THESE TERMS OF SERVICE. IF YOU DISAGREE WITH THESE TERMS OF SERVICE, DO NOT USE THESE SITES.

SPENDiD reserves the right, at its sole discretion, to change, modify, add or remove portions of this user agreement, at any time. You are responsible for periodically reviewing the user agreement for changes. By continuing to use the Site, you accept any changes at the time they are implemented.​

SPENDiD Services
SPENDiD is a business intelligence tool that provides demographically qualified, peer-comparative spending intelligence. By using SPENDiD, a financial institution or fintech developer can know its customers better individually and help them become more financially literate. SPENDiD enables digital banking, financial wellness, or other PFM platforms to automatically provide simple, personalized and categorized budget guidance to customers or employees based on their unique demographic profile and spending situation. 

Liability Disclaimer and Affirmative Release
Users may have the ability to generate content on the Site as long as the content is not illegal, obscene, threatening, defamatory, does not invade the privacy or infringe on the intellectual property rights of others, injure third parties or contain objectionable material and does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any other form of “spam.” You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead the public as to the source of such content.

SPENDiD reserves the right, but not the obligation, to remove or edit such content, but does not regularly review posted content. By posting content or submitting material, you grant SPENDiD a nonexclusive, royalty-free, perpetual, irrevocable, and fully transferable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media. You grant SPENDiD and sublicensees the right to use the name that you submit with such content, if they choose. You represent and warrant that you own or otherwise control all the rights to the content that you post; that the content is accurate; that use of the content you supply does not violate the Terms of Use and will not cause injury to any person or entity; and that you will indemnify SPENDiD for all claims resulting from content you supply. SPENDiD has the right, but not the obligation, to monitor and edit or remove any activity or content. SPENDiD takes no responsibility and assumes no liability for any content posted by you or any third party.

Content
All content, including, but not limited to, text, graphics, photographs, trademarks, logos, sounds, music, and computer code (that content, the “Content”) arranged to create the design, structure, coordination, expression, appearance and feel of the Site is owned, controlled or licensed by or to SPENDiD, and is protected by United States and international patent, copyright, trademark and trade secret laws of general applicability. 

Except as expressly provided in the Terms of Use, no part of the Site and no Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted or distributed in any way to any other computer, server, web site, or other medium for publication or distribution or for any commercial enterprise without SPENDiD’s prior express written consent.

The above notwithstanding, you may use information purposefully made available by SPENDiD for download from the Site provided that you: (1) not remove any proprietary notice language in all copies of such documents (2) use such information only for your personal, noncommercial, informational purpose and do not copy or post such information on any networked computer or broadcast it in any media (3) make no modifications to any such information (4) make no additional representations or warranties relating to such documents.

Trademarks and other Intellectual Property
The trademarks of SPENDiD are not to be used without permission. Trademarks include, but are not limited to:

​SPENDiD or SPENDID

Trademarks also include, but are not limited to, the logos associated with any trademarks and used throughout the Site. The content included in the site and other resources made available through the site is protected by copyright and is owned or used with permission or under fair use by SPENDiD.

License and Site Access
So long as you are in compliance with the Terms of Use, SPENDiD grants you a personal, nonexclusive, nontransferable, limited privilege to enter and use the Site. Access to this site is limited to personal use of the Site and is not for downloading (other than page caching) or modifying all or any portion of the Site, without the prior express written consent of SPENDiD. This license does not include any resale or commercial use of the Site or the Content; any collection or use of any product listings, descriptions or prices; any derivative use of the Site or the Content. No part of the Site may be reproduced, duplicated, copied, sold, resold, visited or otherwise exploited for any commercial purpose without the prior express written consent of SPENDiD. Any unauthorized use of the Site terminates the permission and license granted herein. You are granted a limited, revocable non-exclusive right to create a hyperlink to the Site, or any part of the Site, as long as the link does not portray SPENDiD or any licensors or affiliates in a false, misleading, derogatory or otherwise offensive matter. You may not use any logos or other proprietary trademarks as part of the link without the prior express written permission of SPENDiD.

Third Party Links
to other websites are provided for the convenience and information of visitors to the Site. Clicking on these links will navigate you to another website. The inclusion of links on the Site does not represent, unless specifically noted in the link, an endorsement, authorization, sponsorship, or affiliation with the linked website. Unless otherwise indicated, any sites linked to from the Site are not under the control of SPENDiD. SPENDiD is not responsible for the content or presentation of any linked site. SPENDiD makes no representation regarding the accuracy or completeness of the information contained in any linked sites. Sites that are included in the above links are those of various social media sites, such as Facebook, LinkedIn, Instagram, and Twitter. These links are provided for the purpose of helping site visitors learn more about SPENDiD and its representatives.

Blog and Social Media Sites
All editorial comments published through the Site reflect the personal opinions of the author and not necessarily the opinion of SPENDiD. At times, SPENDiD or the authors of the blog may post reviews related to certain products. The author of a given entry related to reviews or other product information will give an indication if they or SPENDiD was compensated for the review. The above notwithstanding, it is SPENDiD’s policy only to endorse products it or its authors would endorse with or without compensation.

For blog entries, you are granted limited rights to copy, distribute, transmit or even adapt the entries from SPENDiD as long as you provide a link to the original work and give credit to SPENDiD and the original author.

For social media commentary, you are granted limited rights to copy, distribute, transmit or even adapt the entries from SPENDiD as long as you provide a link to the original work and give credit to SPENDiD and the original author.

User’s Representations and Warranties
By using the Site, you represent and warrant that:

  • You are of legal age and have sufficient authority to enter a binding agreement.

  • All data supplied will be complete and accurate to the best of your ability. You will not impersonate any person or entity or otherwise misrepresent your affiliation with a person or entity.

  • You will not transmit any content that is unlawful, defamatory, obscene, pornographic, trade libelous, threatening, harassing, tortuous, invasive of another’s privacy, hateful, or racially, ethnically, religiously or otherwise objectionable.


Intellectual Property Infringement
It is SPENDiD’s policy to respond to claims of intellectual property infringement. SPENDiD will promptly process and investigate notices of alleged infringement and take appropriate actions under the Digital Millennium Copyright Act, Title 17, United States Code, Section 512(c)(2) (“DMCA”) and other applicable intellectual property laws. As required by the DMCA, notifications of claimed copyright infringement should be sent to SPENDiD’s designated agent (the “Designated Agent”). Below is the information for Designated Agent for the Site: 

Gatehouse Law, LLC
3108 Blue Lake Drive, Suite 200
Birmingham, Alabama 35243
Phone: 205.208.9595
Email: dmca@gatehouse.law

Any written communication under this section should include the following: 

  1. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

  2. 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.

  3. 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 the service provider to locate the material.

  4. Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted.

  5. A statement that the complaining party has 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.

  6. A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.


Products or Services Offered on the Site
SPENDiD may make changes to any products or services offered on the Site, or to the applicable prices for any such products or services, at any time, without notice. The information on the Site regarding products and services may be out of date, and SPENDiD is not obligated to update such information on the Site.

Fact Scenarios
SPENDiD may, at times, use fact scenarios based in part on true events. The fact scenarios, however, are used for illustrative purposes and are not meant to depict any real person or event.

Disclaimers
SPENDiD MAKES NO CLAIM THAT THE SITE OR ANY CONTENT, SERVICE OR FEATURE OF THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ANY DEFECTS WILL BE CORRECTED, OR THAT YOUR USE OF THE SITE OR SERVICES OFFERED THROUGH THE SITE WILL PROVIDE SPECIFIC RESULTS. THE SITE AND ITS CONTENT ARE DELIVERED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS. ALL INFORMATION PROVIDED ON THE SITE IS SUBJECT TO CHANGE WITHOUT NOTICE. SPENDID CANNOT ENSURE THAT ANY FILES OR OTHER DATA YOU DOWNLOAD FROM THE SITE WILL BE FREE OF VIRUSES OR CONTAMINATION OR DESTRUCTIVE FEATURES. SPENDID DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. SPENDID DISCLAIMS ANY AND ALL LIABILITY FOR THE ACTS, OMISSIONS AND CONDUCT OF ANY THIRD PARTIES IN CONNECTION WITH OR RELATED TO YOUR USE OF THE SITE AND/OR ANY SERVICES. YOU ASSUME TOTAL RESPONSIBILITY FOR YOUR USE OF THE SITE AND ANY LINKED SITES TO WHICH YOU MAY NAVIGATE FROM THE SITE. YOUR SOLE REMEDY AGAINST SPENDID FOR DISSATISFACTION WITH THE SITE OR ANY CONTENT IS TO STOP USING THE SITE OR ANY SUCH CONTENT. THIS LIMITATION OF RELIEF IS A PART OF THE BARGAIN BETWEEN THE PARTIES.

The above disclaimer applies to any damages, liability or injuries caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction of or unauthorized access to, alteration of, or use of the Site, whether for breach of contract, tort, negligence or any other cause of action.

SPENDiD reserves the right to do any of the following, at any time, without notice: (1) modify, suspend or terminate operation of or access to the Site, or any portion of the Site, for any reason; (2) modify or change the Site, or any portion of the Site, and any applicable policies or terms; and (3) interrupt the operation of the Site, or any portion of the Site, as necessary to perform routine or non-routine maintenance, error correction, or other changes.

Right to Refuse Service
SPENDiD reserves the right to refuse service to anyone and terminate your account at any time.

Limitation of Liability
SPENDiD is not liable to you, except where prohibited by law, for any indirect, consequential, exemplary, incidental or punitive damages, including lost profits, even if SPENDiD has been advised of the possibility of such damages.

Indemnity
You agree to indemnify and hold SPENDiD, its officers, directors, shareholders, predecessors, successors in interest, employees, agents, subsidiaries and affiliates, harmless from any demands, loss, liability, claims or expenses (including attorneys’ fees), made against SPENDiD by any third party due to or arising out of or in connection with your use of the Site.

Violation of These Terms of Service
SPENDiD may disclose any information about you (including your identity) if it determines such disclosure is necessary in connection with any investigation or complaint regarding your use of the Site, or to identify, contact or bring legal action against someone who may be causing injury to or interference with (intentional or not) SPENDiD’s rights or property, or the rights or property of visitors to or users of the Site, including SPENDiD’s customers. Some violations may include:

  • Using the Site without the requisite ability or authority to ratify legally binding contracts, or while temporarily or indefinitely suspended from the Site;

  • Circumventing or manipulating the billing process, or any fees owed to SPENDiD; ◦ Distributing or posting spam, chain letters, or pyramid schemes;

  • Distributing viruses or any other technologies that may harm SPENDiD or the interests or property of SPENDiD customers;

  • Copying, modifying, republishing or distributing content from the Site or SPENDiD’s copyrights and trademarks;

  • Impersonating another person or otherwise misrepresenting your affiliation with another person or entity;

  • Conducting fraud, hiding or attempting to hide your identity;

  • Providing inaccurate contact information;

  • Harvesting or otherwise collecting information about users, including email addresses, without their consent; or

  • Transmitting to SPENDiD or any user any information or materials of any kind that (1) violate, plagiarize or infringe on the intellectual property or contractual rights of any third party (2) are libelous, defamatory, obscene, pornographic, abusive (3) contain any viruses, Trojan horses, worms, time bombs, cancelbots or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information.

SPENDiD reserves the right at all times to disclose any information it deems necessary to comply with applicable law, regulation, legal process or governmental request. SPENDiD may also disclose your information when it determines that applicable law requires or permits such disclosure, including exchanging information with other companies and organizations for fraud protection purposes.

You agree that SPENDiD may preserve any transmittal or communication from you through the Site or any service offered on or through the Site, and may also disclose such data if required to do so by law or SPENDiD determines that such preservation or disclosure is reasonably necessary to: (1) comply with legal process (2) enforce the Terms of Use (3) respond to claims that any such data violates the rights of others (4) protect the rights, property or personal safety of SPENDiD, its employees, users of or visitors to the Site, and the public.

You agree that SPENDiD may, in its sole discretion and without notice, terminate your access to the Site if it determines you have violated these Terms of Use or other agreements or guidelines associated with your use of the Site. You also agree that any violation by you of these Terms of Use will constitute an unlawful and unfair business practice that will cause irreparable harm to SPENDiD. Because monetary damages for such a violation would be inadequate, you consent to SPENDiD obtaining any injunctive or equitable relief it deems necessary or appropriate in such circumstances. These remedies are in addition to any other remedies SPENDiD may have at law or in equity.

You agree that SPENDiD may, in its sole discretion and without prior notice, terminate your access to the Site, for cause, which includes, but is not limited to: (1) requests by law enforcement or other government agencies (2) a request by you (3) discontinuance or material modification of the Site or any service offered on or through the Site or (4) unexpected technical issues or problems.

If SPENDiD does take any legal action against you as a result of your violation of the Terms of Use, it will be entitled to recover from you, and you agree to pay, all reasonable attorneys’ fees and costs of such action, in addition to any other relief granted. You agree that SPENDiD will not be liable to you or to any third party for termination of your access to the Site as a result of any violation of these Terms of Use.

Governing Law; Dispute Resolution
You agree that all matters relating to your access to or use of the Site, including all disputes, will be governed by the laws of the United States and by the laws of the state of Alabama without regard to its conflicts of laws provisions. You agree to the personal jurisdiction by and venue in the state and federal courts in Shelby County, Alabama, and waive any objection to such jurisdiction or venue. Any claim under these Terms of Use must be brought within one (1) year after the cause of action arises, or such claim or cause of action is barred. No recovery may be sought or received for damages other than out-of-pocket expenses, except that the prevailing party will be entitled to costs and attorneys’ fees. 

If there is any controversy or dispute between you and SPENDiD arising out of or in connection with your use of the Site, the parties shall attempt, promptly and in good faith, to resolve any such dispute. If the parties are unable to resolve any such dispute within a reasonable time (not to exceed thirty (30) days), then either party may submit such controversy or dispute to mediation. If the dispute cannot be resolved through mediation, then it shall be submitted to legally binding arbitration. Judgment upon an arbitration decision may be entered in any court otherwise having jurisdiction. This provision is intended to be as broad as possible under the law: it shall apply to all claims and causes of action, including all statutory and constitutional claims, contract claims and tort claims. The parties agree that their relationship affects and involves interstate commerce.

YOU UNDERSTAND THAT DISPUTES RESOLVED UNDER THIS PROVISION SHALL BE THE SOLE REMEDY FOR ANY CONTROVERSY OR CLAIM ARISING OUT OF THE TERMS OF USE AND EXPRESSLY WAIVE YOUR RIGHT TO A LAWSUIT IN ANY CIVIL COURT EXCEPT TO ENFORCE AN ARBITRATION DECISION.

Void Where Prohibited
SPENDiD administers and operates the Site from its location in Alabama, USA. Although the Site is accessible worldwide, it is intended for use within the United States. If you choose to access the Site from outside the United States, you are responsible for complying with applicable local laws.

Miscellaneous
You may not use, export or re-export any Content or any copy or adaptation of such Content, or any product or service offered on the Site, in violation of any applicable laws or regulations, including, but not limited to, United States export laws and regulations.

Each provision of the Terms of Service shall be considered severable, and if for any reason any provision or provisions herein are determined to be invalid, unenforceable, or illegal under any existing or future law, such invalidity, unenforceability, or illegality shall not impair the operation of or affect those portions of the Terms of Use which are valid, enforceable, and legal. 

SPENDiD’s failure to enforce strict performance of the Terms of Use shall not be construed as a waiver by SPENDiD of any provision or any right it has to enforce the Terms of Use, nor shall any course of conduct between SPENDiD and you or any other party be deemed to modify any provision of the Terms of Use. The Terms of Use shall not be interpreted or construed to confer any rights or remedies on any third parties.

Feedback and Information
Any feedback you provide regarding the Site is not considered confidential. SPENDiD is free to use such information without restriction.

Violations
Please report any violation of this Terms of Service to SPENDiD.

The information contained in this Site is subject to change without notice.
© 2020 Marthaler-Hill LLC (SPENDiD) All rights reserved.
Marthaler-Hill LLC (SPENDiD)
​Updated by SPENDiD’s General Counsel on March 21, 2023