1. Acceptance of Terms
YOU SHOULD CAREFULLY READ THESE TERMS. By visiting and/or applying for an account from the Site, you are agreeing to be bound by these Terms, which are a binding contract between you and us. If you do not wish to agree to abide by these Terms or any other Site Policy, you should not access or otherwise use the Site.
2. Electronic Communications
MTI may be required to provide certain legal and regulatory disclosures, periodic statements and confirmations, notices, tax forms and other communications (collectively “Communications”) to you in written form. By agreeing to these Terms, you consent to MTI delivering such Communications to you in electronic form, including e-mail. Consent for electronic delivery applies to every year the Communications are furnished. If you no longer have access to your account to receive the Communications in electronic format then you may request the Communication in written form. You agree that all terms and conditions, agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement such communications would satisfy if they were provided in writing. MTI will use reasonable efforts to honor any request you may have to opt out from receiving certain e-mails. With respect to these Terms, you waive any rights to require an original (non-electronic) signature or delivery or retention of non-electronic records, to the extent such waiver is not prohibited under applicable law.
Basic access to MTI’s site is publicly accessible. However, to use certain features of our site and platform, you must complete the registration process and then complete MTI’s account opening procedures. First, you must register for an account by verifying your email address. Upon registering your account, an MTI Account will be created for you to access your application and other resources. You agree that the registration and other information you provide to open an account is accurate, complete and current. You further agree to promptly update that information to keep it accurate, complete and current. YOU UNDERSTAND THAT A CHANGE IN YOUR STATE OF RESIDENCE MAY IMPACT YOUR ELIGIBILITY TO ACCESS AND USE THE ONLINE PLATFORM, AND HEREBY AGREE TO NOTIFY US IN ADVANCE OF ANY CHANGE IN YOUR STATE OF RESIDENCE. If you register on behalf of a business entity or other organization, you represent and warrant that you have the authority to provide the information required and to bind the organization to the Terms. You acknowledge and agree that MTI, in its sole discretion, may suspend or discontinue your, and refuse any and all current and future, access to or use of you MTI Account at any time without notice to you.
4. Identification, Account Opening, and Regulatory Compliance
meow Technologies, Inc. (“MTI”) is not a Money Services Business (MSB), required to register with FinCEN, and is not engaged in the transmission of money, as defined by FinCEN and other state authorities. Regardless, MTI is dedicated to prohibiting and actively preventing money laundering and any activity that facilitates money laundering or the funding of terrorist or criminal activities by observing requirements imposed on financial institutions under the Bank Secrecy Act (BSA) and its implementing regulations. MTI, moreover, identifies customers that wish to open accounts on our platform, performing diligence consistent with what is required of financial institutions. To that end, MTI collects certain information regarding its Clients and their operations pursuant to its internal procedures, policies, and programs. Your access to and use of the Services is subject to compliance with MTI’s compliance policies and programs. MTI is licensed to do business in certain states. MTI, moreover, partners with other businesses, including banks and financial institutions, that are licensed to engage in money transmission and lend money. MTI’s licenses and the licenses maintained by MTI’s business partners may impact our provision and your use of certain services on the Site, depending on where you live. MTI seeks to adhere to all relevant, applicable laws, regulations, and rules of federal and state governmental and regulatory authorities (collectively, “Applicable Laws”). Compliance with Applicable Laws may include compliance with any guidance or direction of any regulatory authority or government agency, any writ of attachment, lien, levy, subpoena, warrant, or other legal order (collectively, “Legal Orders”). You understand and acknowledge that in no event will MTI be obligated to affect any transaction it believes would violate any Applicable Law. You further understand and acknowledge that MTI is not responsible for any losses, whether direct or indirect, that you may incur as a result of MTI’s good faith efforts to comply with any Applicable Law, including any Legal Order. Consistent with the Applicable Laws for a regulated financial service company operating in the United States, we identify customers that wish to open accounts on our platform. Identification ensures we remain in compliance with applicable information reporting requirements in the jurisdictions in which we operate, something that is necessary for us to be able to continue to offer our services to our clients. MTI collects and verifies your personal and financial information. We also may obtain personal information from third parties in order to verify your identity, or to prevent fraud. Personal information collected from any source may include, among other things, your name and address, Social Security or taxpayer identification number, and date of birth. You certify under penalty of perjury that the information provided is correct. You hereby authorize us, or a third-party service provider that we designate, to take any measures that we consider necessary to confirm the personal information you provide, verify and authenticate your personal information, and take any action we deem necessary based on the results. You acknowledge that this process may result in a delay in registering your MTI account, and that you may not be authorized to access or use your MTI account until your registration has been successfully completed. As part of our legal compliance program, moreover, we will monitor your MTI Account and your use of the Site, and review your personal information on an ongoing basis, as may be required by law or pursuant to our internal policies and procedures. At any time, we may require you to provide us with additional personal information as a condition to your continued access to and use of your MTI Account. During such time, your access to and use of your MTI Account may be temporarily restricted.
5. Accuracy of Customer Submitted Information
You agree that any information that you provide (about your identity, finances, and relationships) is accurate, correct, and up to date. You agree that you are 18 years of age or older; able to form a binding contract with us; and are acting on your own behalf (and have not been banned, terminated, or otherwise denied access to the Site by MTI or by law). If you are a United States person, then as a condition of using MTI’s Site and services, you certify under penalties of perjury that:
The Social Security number or Employer Identification Number you provide is correct; and
You are not subject to backup withholding due to the failure to report interest and dividend income.
By submitting information, feedback or other material to MTI, including on or through the Site or your MTI Account, you: (i) acknowledge that such information is non-confidential, except for any personal and financial information; (ii) grant MTI a perpetual, worldwide, royalty-free, irrevocable, transferable, sublicenseable, fully paid-up right to copy, use, reproduce, modify, adapt, publish, create derivative works from, translate, transmit, display, distribute, market, promote, sell or offer for sale, rent or lease such information or materials in any form or medium known or later developed; and (iii) agree that you will have no claim against for any actual or alleged infringement of any proprietary rights, rights of privacy or publicity, moral rights or rights of attribution in connection with our use of any content you provide.
6. Permitted Activity, Potential Misuse, and Suspected Fraudulent Activity
Any actual or suspected unauthorized access or unauthorized activity will be treated by us as potentially fraudulent (“Potentially Fraudulent Activity”). You agree to notify us immediately if you become aware of or suspect any Potentially Fraudulent Activity, by emailing firstname.lastname@example.org For avoidance of doubt, you are deemed to be aware of Potentially Fraudulent Activity upon receipt of any notice of the occurrence of such activity. Upon receipt of written notice from you of any Potentially Fraudulent Activity, we will take reasonable steps to protect your MTI Account, including, for example, by temporarily restricting access to your MTI Account, suspending any pending transactions, or requiring you to change your login credentials. You agree to promptly report any Potentially Fraudulent Activity to legal authorities if required by applicable law, and to provide us a copy of any report prepared by such legal authorities. In the event of a legal investigation of any Potentially Fraudulent Activity, you further agree to (i) cooperate fully with the legal authorities and MTI in such investigation; (ii) complete any required affidavits promptly, accurately and thoroughly; and (iii) allow MTI, or any third-party designated by us, access to your mobile device, computer, and network as may be relevant to such investigation. Failure to cooperate in any such investigation may cause delays in regaining access to your MTI Account and any funds held within. Accessing the information, resources, services, products and tools of this Site by any other means than we provide is strictly prohibited. You specifically agree not to access or tamper with the Site, for any purpose, through any automated, unethical or unconventional means, including accessing or collecting personally identifiable information or account information (including user names, passwords, e-mail addresses or other personal, financial or contact information) with respect to MTI’s users, customers, business partners, or employees. You may not violate, interfere with, impair or circumvent the ordinary operation, security, privacy or mission of the Site or MTI’s products, services or data, including overburdening, spamming, engaging in a denial of service attack or similar activities (or attempt to do any of the above). You are solely responsible for all activity that occurs on or under your MTI Account (whether or not expressly authorized by you), and for maintaining the confidentiality of your login details. MTI shall have no liability to you or any other person for acts or omissions made or committed by your agent, representative or third-party service provider in respect of your MTI Account You will not transmit to MTI or make available on or upload any information to the Site that: (i) is commercial or promotional in nature; (ii) is unlawful, harmful, deceptive, or otherwise violates the legal rights or privacy of others; (iii) is capable of giving rise to legal action whether against you or MTI or any affiliate third party; (iv) infringes any patent, trademark, trade secret, copyright, or other property rights of any party; (v) impersonates any person or entity (including MTI or its employees and representatives); or (iv) contains viruses, malware or any program, code or technology designed to disrupt, intercept, impair or destroy the functionality of the Site or MTI’s software, data or network. MTI reserves the right to edit, restrict or remove any content you provide for any reason at any time. In addition, MTI does not control any information provided by other users that may be made available on or through the Site. Notwithstanding MTI’s rights under the Terms, MTI does not undertake, and shall not be obligated, to monitor the submission of any content to, or the publication of any content on, the Site at any time. MTI reserves the right to refuse service, terminate relationships, and cancel orders or transactions in its discretion.
7. Social Media Accounts and Third-Party Sites
8. Intellectual Property Ownership Notice
This Site and all content contained on this Website, including all brand names, product names, logos, graphics, photographs, text, copyrights, service marks, and trademarks are the exclusive property of MTI. You may not copy, reproduce, republish, post, distribute, transmit, or modify or otherwise use in any way any part of the Site or any content contained on the Site without the express prior written consent of MTI. Except as explicitly permitted by the Terms, you may not, and you may not allow others to, sell, copy, modify, correct, enhance, create derivative works from, publish, store or in any way distribute or otherwise exploit, including for any purpose competitive to MTI, any Content. You may not, and you may not allow others to: (i) decompile, reverse engineer, convert or otherwise extract or disclose the underlying script, code (whether binary, assembly, source, object, HTML or otherwise) or structure of any Content, or (ii) remove or alter authorship attribution or copyright notices or similar information on the Site or any products or materials embodying or containing any Content. You further agree not to reverse engineer, hack, spam, block, disrupt, or otherwise in any way attempt to change or alter the Site. Violating these Terms may subject you to legal liability. Our trademarks and logos, including the name “meow Technologies, Inc.” and all related names, logos, products names, designs, and slogans used and displayed on the Site are our (or our licensors’) trademarks. You may not use any of these trademarks without our prior written permission. In addition, you may not use any metatags, meta elements, “hidden text,” or other equivalents using our names without our prior written permission.
9. Feedback and Unsolicited Ideas
MTI welcomes feedback, questions, and comments about our products, services, and this Site. As a general policy, we do not accept unsolicited ideas for products or services through this Site. All communications and other materials (including unsolicited ideas, photographs, drawings, suggestions, or materials) you send to us through the Site, by e-mail, or otherwise, are and will remain the sole and exclusive property of MTI and may be used by MTI for any purpose whatsoever, commercial or otherwise, without compensation to you.
You agree to defend, indemnify, and hold completely harmless MTI and our officers, directors, shareholders, agents, and employees from and against any and all claims, damages, costs, and expenses (including attorneys’ fees), including claims based upon the negligence of MTI, arising from or related to your use of the Site and any sites linked to the Site, your negligence, your breach of these Terms or any other Site Policies, and/or your violation of any law or the rights of a third party.
11. Disclaimer of Warranties and Limitation of Liability
The Site is made available to users “AS IS” without any warranty of any kind. MTI makes no representations, guarantees, or warranties regarding the accuracy, reliability, confidentiality, or completeness of the Site. MTI, TO THE GREATEST EXTENT PERMISSIBLE BY LAW, DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED. FURTHER, MTI DOES NOT WARRANT OR REPRESENT THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE IS ERROR-FREE OR THAT THE SITE WILL BE UNINTERRUPTED OR FREE OF DEFECTS, INCLUDING COMPUTER VIRUSES, WORMS, BUGS, TIME BOMBS, OR ANY OTHER SIMILAR PROBLEMS AND/OR DEFECTS. MTI WILL NOT BE LIABLE FOR DAMAGES OF ANY KIND INCLUDING COMPENSATORY, SPECIAL, INCIDENTAL, EXEMPLARY, LOST PROFITS, LOSS OF REVENUE, AND/OR CONSEQUENTIAL DAMAGES ARISING OUT OF YOUR ACCESS TO OR INABILITY TO ACCESS THIS SITE, OR YOUR USE OF OR RELIANCE UPON THIS SITE OR ANY OF ITS CONTENT. IN ADDITION, MTI HAS NO DUTY TO UPDATE THIS SITE OR ANY OF ITS CONTENT, AND MTI WILL NOT BE LIABLE FOR ANY FAILURE TO UPDATE SUCH INFORMATION. FURTHER, MTI IS NEITHER RESPONSIBLE NOR LIABLE FOR YOUR USE OF OTHER WEB SITES THAT YOU MAY ACCESS VIA LINKS WITHIN THIS SITE. THOSE LINKS AND OTHER RESOURCES REFERENCED ON THIS SITE ARE PROVIDED MERELY AS A SERVICE TO USERS, AND INCLUSION ON THE SITE DOES NOT CONSTITUTE AN ENDORSEMENT BY NOR AFFILIATION WITH MTI.
12. Governing Law, Choice of Forum, Jury and Class Action Waiver
13. Injunctive Relief and Reservation of Rights
In the event you breach or threaten breach of these Terms, you acknowledge and agree that we will be greatly and irreparably damaged and the damage will be difficult to quantify. Therefore, we may apply to any court of competent jurisdiction accepting jurisdiction under this specific provision, who, regardless of the Governing Law provision above, will apply the laws of its own jurisdiction in determining whether we will be granted an injunctive or other equitable relief to stop your breach or your threat of breach, without impairing, invalidating, negating or voiding our rights to relief in either law or equity. MTI, in its sole discretion, reserves the right to take all action or inaction relating to enforcement of these Terms and any other Site Policy as allowed by law.
If any provision of these Terms is deemed unlawful, void, voidable or unenforceable for any reason by any court or other tribunal of competent jurisdiction, then such provision(s) shall be reformed without further action by the parties to the extent necessary to make such provision(s) valid and enforceable when applied to such facts or circumstances, with the objective of achieving as nearly as legally possible the same effect.
15. Modifications to these Terms
16. We do not provide legal, investment, or other advice.
MTI is not a lawyer, a law firm, an investment manager, an accountant, or an investment advisor. Nothing on this site is intended to constitute legal, tax or investment advice. The past performance of any product, investment, loan, security, partnership interest, commodity or financial instrument is not a guide to future performance. WITHOUT LIMITING ANYTHING IN THE TERMS, MTI MAKES NO WARRANTIES AND BEARS NO LIABILITY WITH RESPECT TO ANY OF ITS PRODUCTS OR THE PERFORMANCE THEREOF.
Last Modified: July 28, 2021 Version: TOS 1.01
The information provided is illustrative or for educational purposes only and does not constitute investment, legal or tax advice, or an offer to buy, sell or hold any security. The information is as of the date indicated and may change at any time without notice. Forecasts or projections of investment outcomes are estimates only and as such they are imprecise and hypothetical in nature, do not reflect actual investment results, and are not guarantees of future investment results. Meow is not an investment adviser however we’ve partnered with Helium Advisors LLC (“Helium”), an SEC-registered investment adviser, to bring you certain investing features. All investment advisory services are provided by Helium. We are not affiliated with Helium however we receive compensation as a percentage of assets managed by Helium for promoting Helium’s investment advisory services. Our partnership with Helium gives us an incentive to refer you to Helium instead of another investment adviser that is not a partner of ours. This conflict of interest affects our ability to provide you with unbiased, objective information about the services of Helium. This could mean that the services of another investment adviser with whom we are not partnered may be more appropriate for you than those of Helium. Investing involves risk, including the possible loss of principal, and there is no assurance that the investment will provide positive performance over any period of time. Helium accounts are not bank guaranteed or FDIC insured.