Terms of Use

Acceptance of Terms

YouDecide.com, Inc. provides this web site (“Web Site”) to you, subject to the following Terms of Use, which may be updated by us from time to time. This Web Site provides you with access to an on-line collection of financial and other consumer services and products provided by various companies and financial institutions (“Services”) and text, pictures, graphics, logos, button items, images, works of authorship and other information and all revisions, modifications, and enhancements (“Content”), all of which are subject to the Terms of Use (“Terms of Use Agreement”). Unless stated otherwise, any new Services and Content added to this Web Site also will be covered by the Terms of Use Agreement.

YOUR ACCESS TO AND USE OF THIS WEB SITE ARE SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS AND ALL APPLICABLE LAWS AND REGULATIONS. PLEASE READ THESE TERMS CAREFULLY. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ACCESS OR OTHERWISE USE THIS WEB SITE OR ANY INFORMATION CONTAINED ON THIS WEB SITE. YOUR ACCESS TO AND USE OF THIS WEB SITE CONSTITUTE YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH BELOW.

Your Use of the Services

In order to use the Services, you must be at least 18 years of age and reside in the United States. In consideration of your use of the Services, you agree to provide true, accurate and current information about yourself as prompted by the registration and application forms on this Web Site. If any information you provide is untrue, inaccurate or not current, or if has reasonable grounds to suspect that such information is untrue, inaccurate or not current, YouDecide.com, Inc., at its sole discretion, has the right to suspend or terminate your membership and refuse all current or future access to the Content and use of the Services or suspend or terminate any portion thereof. Further, you agree that YouDecide.com, Inc. will not be liable to you or any third party if YouDecide.com, Inc. suspends or terminates your access to the Services or Content for any reason.

Password/User Name Protection and Use

You will receive a password and user name upon completing YouDecide.com, Inc. registration process. You may provide your password and user name only to persons who you obligate to comply with this Terms of Use Agreement. You are responsible for maintaining the confidentiality of your password and user name and are fully responsible for all activities using your password or user name. You agree to (a) immediately notify YouDecide.com, Inc. of any unauthorized use of your password or your user name or any other breach of security, and (b) exit from your account at the end of each session. YouDecide.com, Inc. cannot and will not be liable for any loss or damage arising from your failure to comply with this Section.

Forms of Payment

In some cases, YouDecide.com, Inc. may assist in processing your payment for goods or Services you may purchase from third parties identified on this Web Site. In such cases where YouDecide.com, Inc. assists in processing the payments, YouDecide.com, Inc.’s sole responsibility is to offer such assistance. YouDecide.com, Inc. is not responsible to you for the Services or goods such third party may provide to you. For the other product lines, some of the Providers offer credit card payments, and some do not. For those Providers that offer credit card payments, you must pay the Provider directly.

Electronic Funds Transfer (“EFT”) is offered by some of the Providers as a method of payment. EFT is the process of securing payment by deducting the amount due from your checking or savings account of your financial or banking institution which is then reflected in your statement by your institution.

Copyright

You acknowledge and agree that all Content is the copyrighted work of YouDecide.com, Inc. or third party content suppliers and is protected by US and international copyright laws. The compilation (meaning the collection, arrangement and assembly) of all Content is also the exclusive property of YouDecide.com, Inc. and is protected by US and international copyright laws.

If you download anything from this Web Site, you must keep all copyright and other notices (e.g., trademark, patent, etc.) intact. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information or other content obtained from this Web Site without the prior written authorization of YouDecide.com, Inc. or the third party suppliers.

Trademarks

You acknowledge that YouDecide.com, the YouDecide.com logo, all page headers, custom graphics, and button icons are service marks, trademarks, and/or trade dress of YouDecide.com, Inc. and that all other trademarks, product names, company names or logos on the Web Site are the property of their respective owners. In addition to complying with all applicable laws, you agree that you will not use any such trademarks, service marks, trade dress, or other logos from this Web Site without the prior written authorization of YouDecide.com, Inc.

Proprietary Software

All software used in connection with this Web Site (“Software”) is the property of YouDecide.com, Inc. or its suppliers and is protected by US patent and copyright laws and international treaties. Any use of the Software other than as required to navigate and to utilize the functionality offered through this Web Site is prohibited. You agree not to copy, distribute, publicly display, modify decompile, disassemble, reverse engineer or otherwise attempt to discover the source code of the Software. Further, you agree not to access the Services or Content by any means other than the interface provided by YouDecide.com, Inc. for your use in accessing the Services and Content.

Connection Requirements

You are responsible for providing and maintaining, at your own option and expense, all hardware, software and communication lines required to access and use this Web Site. YouDecide.com, Inc. reserves the right to change the configuration at any time, so you are encouraged to review this Terms of Use Agreement regularly.

No YouDecide.com, Inc. Editorial Control of Third Party Content; No Statement as to Accuracy

You agree that, as some of the Content included in the web site is provided by third party content providers, YouDecide.com, Inc. has no editorial control or responsibility over Content or other information provided by third parties. Therefore, any opinions, statements, services or other information expressed or made available by third party suppliers on this Web Site are those of such third party suppliers. YouDecide.com, Inc. does not represent or endorse the accuracy or reliability of any opinion, statement or other information provided by any third party. YouDecide.com, Inc. neither warrants nor represents that your use of the Content displayed on this Web Site or referenced content or service providers will not infringe rights of third parties not owned by or affiliated with YouDecide.com, Inc.

Acceptable Use Policy

The following are not permitted on this Web Site:

Illegal use. Using this Web Site to transmit any material (by email, uploading, posting, or otherwise) that, intentionally or unintentionally, violates any applicable local, state, national or international law, or any rules or regulations promulgated thereunder;

Harm to minors. Using this Web Site to harm, or attempt to harm, minors in any way;

Threats. Using this Web Site to transmit any material (by email, uploading, posting, or otherwise) that threatens or encourages bodily harm or destruction of property;

Harassment. Using this Web Site to transmit any material (by email, uploading, posting, or otherwise) that harasses another;

Fraudulent activity. Using this Web Site to make fraudulent offers to sell or buy products, items, or services or to advance any type of financial scam such as “pyramid schemes,” “ponzi schemes,” and “chain letters;”

Forgery or impersonation. Adding, removing or modifying identifying network header information in an effort to deceive or mislead, or attempting to impersonate any person by using forged headers or other identifying information;

Unsolicited commercial email/Unsolicited bulk email. Using this Web Site to transmit any unsolicited commercial email or unsolicited bulk email, or facilitating unsolicited commercial email or unsolicited bulk email whether or not that email is commercial in nature;

Unauthorized access. Using this Web Site to access, or to attempt to access, the accounts of others, or to penetrate, or attempt to penetrate, security measures of YouDecide.com, Inc.’s or another entity’s computer software or hardware, electronic communications system, or telecommunications system, whether or not the intrusion results in the corruption or loss of data;

Copyright, trademark, or other intellectual property right infringement. Using this Web Site to transmit or obtain any material (by email, uploading, posting, or otherwise) that infringes any copyright, trademark, patent, trade secret, or other proprietary rights of any third party, including, but not limited to, the unauthorized copying of copyrighted material, the digitization and distribution of photographs from magazines, books, or other copyrighted sources, and the unauthorized transmittal of copyrighted software;

Collection of personal data. Using this Web Site to collect, or attempt to collect, personal information about third parties without their knowledge or consent;

Reselling the services. Reselling access, any content or any aspect of this Web Site without YouDecide.com, Inc.’s prior written authorization; and

Network disruptions and unfriendly activity. Using this Web Site for any activity which adversely affects the ability of other people or systems to use the Web Site, including “denial of service” attacks against another network host or individual user, interfering with or disrupting other network users, network services or network equipment.

Responsive actions. YouDecide.com, Inc. may take any one or more of the following actions, or others as YouDecide.com, Inc. deems appropriate, in response to actual or suspected violations above:

  • issue warnings: written or verbal
    • suspend or terminate the user’s account;
    • charge the user for administrative costs and/or reactivation charges; or
    • bring legal action to enjoin violations and/or to collect damages, if any, caused by violation

Investigation cooperation. YouDecide.com, Inc. may cooperate with legal authorities and/or third parties in the investigation of any suspected or alleged crime or civil wrong.

Process for Contracting Electronically

The terms and conditions applicable to entering contracts with YouDecide.com, Inc. for the goods or Services described on this Web Site are or will be described elsewhere on this Web Site as those terms and conditions become available. Those terms and conditions describe and govern the process for entering contracts with YouDecide.com, Inc. electronically.

Links to Third Party Web Sites

This Web Site provides links to other web sites that are not under the control of or maintained by YouDecide.com, Inc. You acknowledge and agree that YouDecide.com, Inc. is not responsible for and is not liable for the content, products, services or other materials on or available from such web sites. You further acknowledge and agree that YouDecide.com, Inc. will not be responsible or liable, directly or indirectly, for any damages or losses caused or alleged to be caused by or in connection with the use of or reliance on such content, products, services or other materials available on or through any such web site.

No Framing or Deep Linking

You agree not to “frame” or “mirror” Services or Content on this Web Site or any server or Internet-based device without the prior written authorization of YouDecide.com, Inc. or the applicable third party. You agree that any link you create to the Web Site will only be to the main page, www.youdecide.com.

Right to Monitor

YouDecide.com, Inc. neither actively monitors general use of this Web Site under normal circumstances nor exercises editorial control over the content of any third party’s web site, electronic mail transmission, news group, or other material created or accessible over or through this Web Site. YouDecide.com, Inc., however, reserves the right to monitor as it deems appropriate and to remove any materials that, in YouDecide.com, Inc.’s sole discretion, may be illegal, may subject YouDecide.com, Inc. to liability, may violate this Terms of Use Agreement, or are, in the sole discretion of YouDecide.com, Inc., inconsistent with YouDecide.com, Inc.’s purpose for this Web Site.

Privacy Policy

Click here to review YouDecide.com, Inc.’s Privacy Policy. You consent to the uses of data that are consistent with the Privacy Policy.

Modifications to Services

YouDecide.com, Inc. may, at its discretion, modify or discontinue any of the Services or Content or a portion thereof, with or without notice. You agree that YouDecide.com, Inc. will not be liable to you or any third party for any modification or discontinuance of any of the Services or Content.

Disclaimer

Information contained on this Web Site has been prepared by YouDecide.com, Inc. as a convenience to its users and is not intended to constitute advice upon which a user may rely. YouDecide.com, Inc. has used reasonable efforts in collecting, preparing and providing quality information and material, but makes no warranty or guarantee about the accuracy, completeness, or adequacy of the information contained in or linked to this Web Site or any other Web Site maintained by YouDecide.com, Inc. Users relying on information from this Web Site do so at their own risk.

YouDecide.com, Inc. may provide you with planning and educational tools, including calculators. Such tools and calculators may allow you to model “what-if” scenarios, the results of which are illustrative and are based on the information and assumptions identified. There is no guarantee that the results shown are necessarily accurate or will be achieved. In addition, these tools and calculators are not part of any planning report for which you may have paid a fee, even if the tools and calculators include information derived from or contained in a report. YouDecide.com, Inc. makes no warranty regarding the accuracy of such calculators available for use on this Web Site.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT: YOUR USE OF THIS WEB SITE, THE SERVICES AND CONTENT IS AT YOUR SOLE RISK. ALL SERVICES, CONTENT AND SOFTWARE ARE PROVIDED ON AN “AS IS” OR “AS AVAILABLE” BASIS. YouDecide.com, Inc. EXPRESSLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. YouDecide.com, Inc. MAKES NO WARRANTY THAT (i) THE SERVICES, CONTENT AND SOFTWARE ARE ACCURATE, TIMELY, UNINTERRUPTED OR ERROR-FREE; (ii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES, CONTENT OR SOFTWARE WILL BE RELIABLE; (iii) THE QUALITY OF ANY PRODUCTS ACCESSED, OBTAINED OR PURCHASED THROUGH THE USE OF THE WEB SITE, SERVICES, CONTENT OR SOFTWARE WILL MEET YOUR EXPECTATIONS; AND (iv) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED.

Limitation of Liability

YOU UNDERSTAND AND AGREE THAT YouDecide.com, Inc. WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES OR LOSS OF PRODUCTS, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF YouDecide.com, Inc. HAS BEEN ADVISED OF THE POSSIBILITIES OF THOSE DAMAGES, RESULTING FROM YOUR USE OR INABILITY TO USE THE WEB SITE, SERVICES, CONTENT OR SOFTWARE, THE COST OF OBTAINING SUBSTITUTE PRODUCTS AND SERVICES RESULTING FROM ANY LOSS OF DATA, INFORMATION, PRODUCTS OR SERVICES OBTAINED FROM PURCHASES OR TRANSACTIONS ENTERED INTO THROUGH THE WEB SITE, OR STATEMENT OR CONDUCT OF ANY THIRD PARTY, OR ANY OTHER MATTER RELATED TO THE SERVICE OR CONTENT.

Some jurisdictions do not permit the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages, therefore, some of the limitations above may not apply to you.

Notice

Notices to you from YouDecide.com, Inc. will be made by e-mail or regular mail.

General Provisions

Entire Agreement

This Terms of Use Agreement, the Privacy Policy, and other policies YouDecide.com, Inc. may post constitute the entire agreement between YouDecide.com, Inc. and you in connection with your use of this Web Site and the Content and supercedes any prior agreements between YouDecide.com, Inc. and you including prior versions of the Terms of Use Agreement. YouDecide.com, Inc. may update this Terms of Use Agreement from time to time by posting revised Terms of Use on this Web Site, without notice to you, and your subsequent use of the Web Site is governed by those new Terms of Use. The Terms of Use is effective until terminated by YouDecide.com, Inc., at any time without notice. In the event of termination, the disclaimers and limitations of liabilities set forth in the Terms of Use Agreement will survive. The Terms of Use will be deemed to include all other notices, policies, disclaimers and other terms contained in this Web Site; provided, however, that in the event of a conflict between such other terms and the terms of these Terms of Use, these Terms of Use will control.

Purchases Governed by Separate Agreement

The terms and conditions governing your purchase of any goods or Services from the various companies and financial institutions shall be governed by a separate agreement duly executed between you and the supplier of such goods or Services.

Age and Location of User

All information and content available on this Web Site are solely directed to individuals 18 years of age or older residing in the United States. YouDecide.com, Inc. makes no representation that the content, information, products, or Services are available for use outside of the United States. Any use of the Services and Content is prohibited where they are not allowed by law.

Governing Law; Jurisdiction; Venue; Severability of Provisions

The Terms of Use are governed by the laws of the State of Georgia, USA and controlling United States Federal Law without regard to the conflicts of law provisions. You agree that any action to enforce the Terms of Use will be brought in the federal or state courts located in Atlanta, Georgia. If any provision is deemed by a court of competent jurisdiction to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any force or effect.