Advertiser Disclosure & Terms of Use
Including: Disclaimers | Community Policies
Hi there!
You are at Anasova.com. Anasova is a company that primarily does two things:
1. We create educational content in free financial plans.
2. We help connect people to advice and solutions.
Sometimes, we partner with other companies through which they use our platform with their brand. Since it is our service, our terms apply. So, please read the following carefully. You must agree to these Terms and Disclosures prior to using any of our services. Thanks for being here!
Advertiser Disclosure
Our solution is simple: we try to match people to advice and solutions. How do we match? Advertisers tell us the criteria they want for their potential client and how much they’re willing to pay (bid). We match based on information provided in your plan. The only reason for an advertiser to pay is if they have something they think is genuinely valuable to you specifically! Our matches are formula-driven and advertisers pay to present or send their solution to you. You could be matched up to 3 times but not more. We do not guarantee the accuracy or appropriateness of any match. We do our best to clearly identify advertisements in our site and throughout our services. And, if you provide contact information, you consent to sharing this information with your matches.
Our difference: We operate kind of like a search engine. Based on the information you provide, we may offer you an idea (“to get a will”). This idea may be followed up by an ad for that service. You may click on that ad, or not. An advertiser may buy your contact information to contact you directly. Your email and contact information is always optional. If you do not want to be contacted, do not provide your contact information. You can opt out at any time.
Our goal: To match you to advice and solutions.
Our objective: To move you from financial fear to financial freedom.
One last thing: Advertisers bid and pay to present their solution(s) to you. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear) or who may access your contact information. If you do not want to be contacted, do not provide your contact information.
See below for more details.
MORE DETAIL ON OUR ADVERTISING POLICIES
Advertisers tell us the criteria of their preferred clients and bid (price) to present their solution to you. You will be matched to the highest bidder(s). Your matches will change based on the data you provide, including your email address or other contact information. Our services may contain additional advertisements which we attempt to clearly identify in our content and system. Matches are not vetted, endorsed, or recommended by Anasova and may not be appropriate for you. We recognize this creates conflicts and that those conflicts exist, and you should recognize this as well.
You can choose to click on the advertisement or partner link, or not. However, if you do click on that advertisement (or see it), we may get paid a fee. You can choose to provide your contact information, or not. If you do provide your contact information, you consent to us sharing that information with your matches. However, your contact information is optional though your matches may change depending upon the information you provide. The good news is you can opt out any time by responding to the unwanted communication you received to opt out of future contact.
The bids and Ads can come in the form of "click" (often called "Cost Per Click"), "activity-based" (called "Cost Per Lead"), "view" (often called "Impressions"), or “purchase” (buy your contact information). We use each of these and it will not be possible for you to know which advertisement is which.
Views are pretty straightforward; we receive compensation if you see the advertisement.
Purchase is also generally straightforward. If you meet the criteria of the advertiser, they pay us for your contact information, and at that point, the advertiser controls the interactions with: language, cadence of follow up, opt-out options, etc. Anasova is no longer a part of that relationship.
The process for "click" or "activity-based" generally works this way:
We receive a custom link from the advertiser.
When you click on that link, they recognize that the traffic came from us.
They monitor your activity on their site.
They pay us according to your activity.
The payment may be outright (upon a click) or upon a more defined activity (an inquiry, enrollment, additional click, purchase, etc.).
If you provide contact information you consent to receive marketing calls/texts or emails from Anasova or other third-party providers. You understand we will share this information with your matches. You agree that you are providing to us your consent for us or third-parties to contact you regardless of any Do Not Call or Do Not Email privacy choices you may have previously expressed until you revoke this consent. You may revoke your consent at any time by responding to any communication received as a part of this service from Anasova or from a third-party provider.
Important note: in the case of investment considerations we receive no form of compensation, of any type. For example, if you see the service mention a Vanguard fund, we are not being compensated for that recommendation.
If you have a question about a link, an advertisement or an outreach, you should contact us before using our service , before clicking on any links or before providing contact information.
The bottom line: our partners (advertisers) tell us their ideal fit and their price (bid) for leads. We control and position their ads or access to our users, accordingly. The only way anyone gets information on you is if you (1) provide your contact information or (2) choose to leave our site, go to their site, and give it to them.
We strive to create a win / win / win outcome. Our view is that the higher the quality advertisers or third-party service offers we can deliver, the better it is for everyone.
You get our ideas at no charge and a way to implement. This makes our ideas actionable.
Our advertisers get to be in front of the right market, saving everybody time and money.
The model works for us too, which is important for everyone.
The statements in this section are intended to provide information quickly and transparently. Our full disclosures are in our Terms of Use, which must be read in their entirety. By using our site you agree to our Terms of Use. If you do not agree to our Terms of Use, or if you do not like our advertising policy, you may not use our services.
Terms of Use
It is important that you familiarize yourself with our Terms of Use in their entirety. This is your owner's manual. We have put everything in one place and grouped terms by topic for your convenience. We have also tried to minimize the legalese.
If you use our site you are agreeing to these Terms (all of them).
These Terms change. You have to come back here to get updates.
THESE TERMS STATE THAT DISPUTES ARE RESOLVED VIA BINDING ARBITRATION AND THAT YOU ARE WAIVING YOUR RIGHT TO PARTICIPATE IN CLASS ACTION CLAIMS. You may opt out of these provisions by following the steps included in these Terms. You must do so by following the steps outlined herein and within the limited period of time.
IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF USE, YOU SHOULD NOT ACCESS OR USE THE WEBSITE OR OUR SERVICES.
If you have any difficulty accessing this information or prefer a different format, please refrain from using our websites or applications. You may contact us here or at info@anasova.com and let us know if you prefer a pdf or mailed version of these Terms of Use.
1.Introduction It is important that you familiarize yourself with our Terms of Use in their entirety We use the following interchangeably: •"Terms", "Terms and Conditions", "Terms of Use" - anywhere you see those words, we are talking about this policy - the whole thing. •"We", "us", "our", the "Platform", "Website", "Site", "App", "Ana", "Report", "Service" - these terms all refer to Anasova, Inc., our subsidiaries, any affiliated entities, and any product or service we provide through any of these entities. This includes Anasova Connect, freefinancialplan.com, the marketplace, our mobile application, our pdf reports, our artificial intelligence (Ana), our community (The Fin Hive) and anything else we come up with. The terms "We", "us", "our", the "Platform", the "Website", Site, "App", "Ana", the "Service" specifically do not refer to our partners, clients, or 3rd party service providers which may be directly or indirectly linked to the platform. This includes service providers via Anasova Connect and any and all unrelated companies, entities, or persons, of any type, in any jurisdiction. •"Ana", or any similar offering positioned as a persona, is not a person, entity or thing and refers to Anasova, Inc. and is captured under the definition of "Service" or "Platform" and all similarly related terms. Statements like "my Terms of Use" refer to Anasova's Terms of Use. •To avoid legalese we may not capitalize defined terms in this document and throughout the Site. Uncapitalized use of the word shall be assumed to be capitalized and conform to the definitions herein. (site = "Site", terms = Terms). Lots of changes & significant risk of errors We are an early-stage company with limited staffing. You recognize that the Platform may undergo significant changes, including to the Terms of Use. If you choose to use our Services, and/or participate in this Site, you do so at your own risk. You recognize that the Platform, our Website, our Services, may have significant errors. The information we provide could be 1.) incorrect 2.) not appropriate for you. We attempt to highlight some of these risks in these Terms but it is impossible for us to identify all of the risks. You are using this Platform at your own risk. You may prefer to wait to use our Services until the Platform is more mature. Your consent Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who wish to access or use the Service. By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms, then you do not have permission to access the Services. You are under no obligation to use our Service. You have the ability to choose to not use our service. Accordingly, if you use our service you are doing so by choice, with agreement to these Terms, and at your own risk. You recognize these risks are considerable. Only Notification / Election to Bypass Terms of Use You acknowledge and agree that this notification, which you are receiving prior to joining or completing an online questionnaire or creating an account and each time prior to starting or accessing the Service, is the only place where you will directly see this information, terms and disclaimers. If you elect to bypass this page in the future through bookmarked page, auto-login or the app, you do so at your own risk. You may contact us for details on how to turn this feature off. Terms and conditions are accessible in the Fin Hive app or website by clicking this link: https://www.anasova.com/termsofuse
2.What we do We are unapologetically committed to providing our users high quality information and education, either directly or through our partners. Our role is to build bridges and to make it easy. We primarily do three things: 1.We organize data. Our application lets you see everything in one place. 2.We provide information. We provide thought-provoking content through our tools, primarily our free financial plan. 3.We facilitate connections. We connect people, professionals, services, and products. Our view is that by separating advice from products, people get the best of all worlds. We feel that you should get the opportunity to evaluate the best products and the best information, no matter where it is. Our job: give you something interesting to think about and match you to advice and solutions. Opinions, guidance, and matches on this site are not based on your individual needs and may not be accurate or appropriate for you. Your job: speak with a professional to find out what is best for you in your unique situation. Their job: cover all of the risks and potential benefits, in detail, with you. How we make money Our services are based on strategic partnerships, advertising and lead generation. Our agreements may include white labeling, branding, co-branding, advertising and lead generation through which we receive compensation. We participate in partnerships and white label arrangements in which our partner companies use their brand on our Service(s) and we receive compensation. All users of Anasova’s services are bound by these Terms and Conditions. We also make money through advertising. We may place advertisements anywhere and everywhere throughout the Service. And we may receive compensation in doing so. We will do our best to clearly identify advertisements, but you may not always be able to identify them. If you are not comfortable with how we place advertisements, you should not use the Service. We also make money through lead generation. Advertisers tell us the criteria of their preferred clients and bid (price) to present their solution to you. If you meet the criteria of the advertiser(s) and provide your contact information, we match you to the top 3 bidding advertisers. Our matches are formula-driven, and advertisers pay to present their solution to you. We do not guarantee the accuracy or appropriateness of any match. They pay us for your contact information, and at that point, the advertiser controls the interactions with you: language, cadence of follow up, opt-out options, etc. Anasova is no longer a part of that relationship. The only reason for an advertiser to bid is if they have something they think is genuinely valuable to you specifically! Your contact information is optional. If do you provide contact information you consent to receive marketing calls/texts or emails from Anasova or other third parties. You understand we will share this information with your matches. You agree that you are providing to us your consent for us to contact you regardless of any Do Not Call or Do Not Email privacy choices you may have previously expressed until you revoke this consent. You may get different matches if you do not provide your email. If you receive a contact from a match and it isn't a good fit simply reply and tell them. They are obligated to comply with your opt-out request. Or, just don’t share your contact information if you’d prefer not to be contacted. Things we do not do: It is just as important to know what we don't do as it is to understand what we do. Anasova does not do any of the following: 1.Provide investment, tax, legal, financial, insurance or lending related advice. 2.Provide personalized advice, of any type. 3.Solicit loans, insurance, financial products or financial professionals. 4.Quote rates or terms. 5.Compare rates or terms. 6.Take applications or make credit decisions. 7.Originate or service loans. 8.Issue commitments. 9.Buy, sell or trade securities. 10.Issue, manage, exchange, insurance contracts. 11.Handle money, financial transactions, or facilitate monetary movement, of any type*. 12.Guarantee terms*. 13.Pull your credit or check your credit. 14.Provide credit reports, credit information, or credit monitoring services. 15. Vet, solicit, endorse, recommend any financial professional, product or service. We are an on-demand publication, of regular circulation, providing general, non-personalized information only. Our content is updated regularly. *For clarification, we are not facilitating money movement as it relates to financial, investment, or lending transactions. Through our third-party technology partners, we do facilitate payment processing for services as a part of Anasova Connect, Anasova Pay and lead generation. In this capacity we facilitate payment processing, through our partners, within the platform, as a part of our role in making connections. Similarly, we do offer a Satisfaction Guarantee but this is different from providing a guarantee as it relates to financial terms, third parties, or any other form of guarantee. Someone said this list makes it look like we don't do anything. From a financial perspective, we don't. Remember, what we do: we gather data, give you something to think about, and match you to services and solutions for your review. Based on that information, if there is something you want to do, we can't do it for you. You must use a professional or firm to provide the service for you. That firm or professional is the party responsible for discussing specific products, risks, benefits, and the appropriateness for you, based on your unique personal needs and circumstances, prior to executing the underlying transactions. Any questions about this, our role, or our responsibility (of lack thereof), please contact us. Important notes: 1.Nothing contained in the Services is to be considered advice, an offer, recommendation or solicitation for the purchase of any deposit, investment, debt, loan, lending, insurance, credit related offering, or financial instrument or person, of any type or kind, from Anasova or any other issuer or company in any jurisdiction. 2.You are subject to our partners’ terms, conditions, policies, and licenses when you visit a third-party’s site or use a third-party’s services or respond to a third-party contact. 3.Anasova is not a bank, financial institution, insurance company, investment advisor, credit company or agency, lender, does not broker loans to lenders and does not make personal loans or credit decisions. We are not an Introducing Broker or Mortgage Broker, Financial Advisor, Insurance Agency or Agent, Lender, Bank, nor are we representing ourselves as such or licensed as such. See the terms and conditions on the financial institution's website for complete details on any product. 4.Past performance does not guarantee future results. Investments fluctuate in value over time. 5.Hypothetical numbers are hypothetical, for illustrative purposes only and do not represent the returns of any specific product. 6.Information in and across this site is to be considered in a holistic way and not to be considered on a stand-alone basis. This includes these terms and disclaimers which accompany every page in the site and Services. What this means is that you can't pick and choose. Our ideas are meant to go together. This concept is important and essential. One of the greatest risks is that you will follow part of what we say, not all of what we say, and therefore expose yourself to risk. To be sure, this does not mean that when we give you an idea we are covering all the bases. We are not giving personalized advice. And this creates a circle. Which is exactly why we really mean that you must visit with a professional who can look at your personal situation, and the big picture. 7.We have no idea if our ideas or education is going to accomplish your goals. In fact, it might not. While we strive to do the best we can with the information we have, the fact is our guidance may not work, may not be appropriate for you and may not be suitable for your situation. Our guidance is simply ideas to consider. 8.Material is presented with a goal of encouraging thoughtful conversation and rigorous debate on the risks and potential benefits of the concepts between you and your advisors based on your unique situation, risk tolerance and goals. 9.Investing involves risk. So does borrowing money. As does buying insurance. Basically, almost anything you do is risky. Not doing things is risky too. 10.Only you can decide what type of loan or product is appropriate for your financial needs. This website is not meant to take the place of a financial advisor, CPA, insurance agent, attorney, or licensed lender or broker. 11.In fact, to make this last point abundantly clear, you can't execute any orders through any of our services. We provide data and information, but you must go to another institution to execute anything you want to do. At that point of sale or transaction you must get advice as it relates to you specifically. 12. We do not guarantee, pre-qualify, or recommend any lead generated and sold to our advertisers or partners. You are buying these leads at your own risk. It is also important that you understand how we do and do not share information. 1.You understand we may share your contact information with your matches. And, if you provide your contact information, you agree that you are providing to us your consent for us or third-parties (your matches) to contact you regardless of any Do Not Call or Do Not Email privacy choices you may have previously expressed until you revoke this consent. You may revoke your consent at any time by responding to any communication received as a part of this service from Anasova or from a third-party provider. Of course, you have the option to not provide any contact information. Doing so may change your results and matches. 2.Some of our ads and links connect you to third parties, you may choose to share information, browse their services, or purchase their products or services. There is an important difference and distinction between passing along your information and directing you to a website. We do both and you may not be able to tell which one. 3.When you visit these third-party sites you are subject to their terms of use, their privacy policy, their policies and procedures, their governing authorities, and their licenses. 4.Occasionally these connections may have an Anasova logo and be cobranded or white labeled. Those logos do not mean it is our site. Independent of this branding, when you click on these links you have left our Services and are subject to the terms of the third-party. See Third Parties and Links to Other Websites for details. We will try to identify when you are leaving our site, but we can't make any promises that we will be able to flag every link. If we accidentally miss one, you release all claims to attachment (that you didn't know you were leaving our site). We hope you will spend some time learning more about who we are, our purpose, mission, and vision.
3. Communication and Use Information Communication, email, unsubscribe, registration, accounts, restrictions on use, minors. Our services are intended for US citizens and US residents only. We cannot warrant that the services are appropriate for users outside the United States or that use of the Services is permitted under the laws of other jurisdictions. Therefore, if you are not in the United States and not a United States citizen, please discontinue use now. Sorry rest of world - we hope to be back at you soon. Communication and Email By creating providing us your contact information or creating an Account on our Service, you agree to subscribe to newsletters, marketing or promotional materials and other information we may send. However, you may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email, by contacting info@anasova.com, or through our Contacting Us online form. When you provide us your contact information (email address, phone number), you agree you are providing us unrestricted permission to use your contact information. This permission includes your consent that we may share your contact information with our various partners or advertisers as we see appropriate. While this permission is unrestricted, we commit to you to try to 1.) minimize spam 2.) provide you the most relevant content we can. If you have feedback on how we can improve our communication, please contact us. Unsubscribe You understand and agree that certain services and reminders (emails) may not have an "unsubscribe" feature. That is ok because you can unsubscribe from our services at any time by contacting us at info@anasova.com. Registration, Accounts and Restrictions on Use When you create an account with us, you guarantee that you are above the age of 18 years, and that the information you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account on the Service. You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password, whether your password is with our Service or a third-party service. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account. You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than you, without appropriate authorization. You may not use as a username any name that is offensive, vulgar or obscene. We reserve the right to refuse service, terminate accounts, remove or edit content, or cancel bids or orders in our sole discretion. Minors & Children While through our partners we may provide financial plans to children as defined by the U.S. Children’s Online Privacy Protection Act (“COPPA”) as under 13 years of age, we are committed to protecting the privacy of children who use our site. We do not collect any personal, identifiable, or contact information from children who run a plan. In addition, we do not maintain data provided by minors under the age of 13. We regularly and diligently remove any and all other data (which is all non-personal and non-identifiable information) provided by children from our servers. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers immediately. For more information about COPPA and general tips about protecting children’s online privacy, please visit OnGuard Online.
4. Content Disclosures Content, permission to use your content, content disclaimers, permission to use your feedback, and bounties. THIS SITE IS DESIGNED TO FACILITATE EDUCATION, INFORMATION AND CONNECTIONS BETWEEN ELIGIBLE PARTIES WITHIN THE PERMITTED USES. THIS SITE CONTAINS USER CREATED CONTENT. ANASOVA SHALL HAVE NO RESPONSIBILITY OR LIABILITY OF ANY KIND FOR ANY FINANCIAL CONTENT OR USER CONTENT YOU ENCOUNTER ON OR THROUGH THE SERVICE, AND ANY USE OR RELIANCE ON SUCH INFORMATION IS SOLELY AT YOUR OWN RISK. Content We make no representations or warranties with respect to the accuracy or appropriateness of information contained in the site or provided via our Services. Information obtained via Anasova is for educational and informational purposes only. Neither Anasova nor its affiliates provide investment, insurance, tax, legal, or any other financial advice or advice of any kind. Please consult a licensed professional before making any related decisions. Anasova does not make any representation or warranty, express or implied, regarding the content on any Third-Party Offerings, and we hereby disclaim any liability of any nature whatsoever for, any information or products offered by such Third-Party Offerings. Product name, logo, brands, and other trademarks featured or referred to within this site are the property of their respective trademark holders. Availability, Errors and Inaccuracies We are constantly updating product and service offerings on the Service. We may experience delays in updating information on the Service and in our advertising on other web sites. The information found on the Service may contain errors or inaccuracies and may not be complete or current. If you find an error, please let us know at info@anasova.com! (There should be a link available on most pages where you can submit feedback as well.) Products or services may be mispriced, described inaccurately, or unavailable on the Service and we cannot guarantee the accuracy or completeness of any information found on the Service. We therefore reserve the right to change or update information and to correct errors, inaccuracies, or omissions at any time without prior notice. User Created Content Our Service may allow you to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material ("Content"). You are responsible for the Content that you post on or through the Service, including its legality, reliability, and appropriateness. By posting Content on or through the Service, You represent and warrant that: (i) the Content is yours (you own it) and/or you have the right to use it and the right to grant us the rights and license as provided in these Terms, and (ii) that the posting of your Content on or through the Service does not violate the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person or entity. We reserve the right to terminate the account of anyone found to be infringing on a copyright. You retain any and all of your rights to any Content you submit, post or display on or through the Service and you are responsible for protecting those rights. We take no responsibility and assume no liability for Content you or any third-party posts on or through the Service. However, by posting Content using the Service you grant us the right and license to use, modify, publicly perform, publicly display, reproduce, and distribute such Content on and through the Service. You agree that this license includes the right for us to make your Content available to other users of the Service, who may also use your Content subject to these Terms. You also agree that we can use your content in forming the ideas in our guides (curated content). And you agree that our guides are our guides, not your guides, and that you can't say our guides are your guides, even if you contributed a lot of good information to them. Bottom line: if you don't want us to use your content, don't contribute it here. Anasova has the right but not the obligation to monitor and edit all Content provided by users. Community Curated Content We use our community to curate information. We believe that curating information is key. Some sites give millions of posts on hundreds of thousands of topics. There is some great info and there is some garbage. We wanted a new approach. Your voice is welcome. All voices are welcome. Please submit questions, comments, and suggestions for improvement on anything you see, anywhere in our site. Our process is not that the loudest voice wins. We try to make the process as objective as possible but in the end there will be some subjectivity. Our editorial team has the final say and has no obligation to disclose the process through which they determine what material is selected for publication. Permission Content found on or through this Service is the property of Anasova. You may not distribute, modify, transmit, reuse, download, repost, copy, or use said Content, whether in whole or in part, for commercial purposes or for personal gain, without express advance written permission from us. We hereby grant you a limited, non-exclusive, non-transferable license to view, use, download, and print the Content solely for your personal, informational, non-commercial and internal review and solely in accordance with these Terms. You may not: (i) use the Content or any part thereof to develop products or technologies similar to the products of Anasova; (ii) reproduce, republish, modify or alter the Content; (iii) distribute or sell, rent, lease, license or otherwise make the Content available to others; or (iv) otherwise remove any text, disclaimers, copyright or other proprietary notices contained in the Content. Feedback In the event that you provide us any ideas, thoughts, criticisms, suggested improvements or other feedback related to any of our Sites, Apps or Services (collectively "Feedback"), you agree we may use the Feedback to modify our products and services and that you will not be due any compensation, including any royalty related to the product or service that incorporates your Feedback. You grant to us a worldwide, royalty-free, fully paid, perpetual, irrevocable license to use, reproduce, modify, translate, distribute, perform, display, import, sell, offer for sale, make, have made and otherwise exploit the Feedback in any form, media, or technology, whether now known or hereafter developed, and to allow others to do the same. This is true whether you provide the Feedback on the Site or through any other method of communication with us, unless we have entered into a separate agreement with you that provides otherwise. Listings Some listings and content are not affiliated with Anasova in any way. We just think what they are doing is really interesting. If you are a part of a company that has a listing and want your information updated, changed, or removed, contact us at info@anasova.com. What Else? If you see something that is: •Wrong •Factually inaccurate •Offensive •You want removed •A violation of anything •A concern Let us know through our Contact form or emailing info@anasova.com. Other things: 1.We make third-party content available. We have not verified this content or the accuracy of this information 2.Curated content is edited. 3.You are using our Content for general information purposes only and not as the basis to form any decisions. Content Related Disclaimers regarding the Services: 1.Nothing herein nor in the Services shall be construed to be investment advice nor a solicitation to buy or sell any security or to participate in any trading or investment strategy. 2.Nothing herein nor in the Services shall be construed to be a solicitation to buy or sell any insurance product or financial product. 3. Nothing herein nor in the Services shall be construed as an endorsement, solicitation or recommendation of any financial product, financial service, or financial professional. 4.Investing with leverage contains multiple risks including but not limited to, interest rate risk, greater volatility risk, liquidity risk, call risk, rollover risk, and the risk of a total loss of capital. 5.Financial information is general and not exhaustive by nature. You must consult your financial professional for financial advice. 6.Insurance information is general and not exhaustive by nature. You must consult your insurance professional for insurance advice. 7.Tax information is general and not exhaustive by nature. You must consult your tax advisor for professional advice. 8.Legal information is general and not exhaustive by nature. You must consult your legal professional for legal advice. 9.All content is subject to change without notice. 10.We believe that facts and figures are accurate throughout the site as of the date of these Terms of Use. Facts and figures are not guaranteed, subject to change without notice, and subject to additional disclaimers in these Terms of Use. 11.Content does not reflect the views of Anasova. 12.All opinions are subject to change without notice. 13.Margin and borrowing against securities involves considerable risk. You must speak with a professional and see complete disclosures of these risks before proceeding. 14.Asset allocation and diversification do not guarantee a profit or protect against a loss. 15.Bonds are subject to interest rate risk, credit risk, currency risk and other risks. 16.Equities may fluctuate in value and lose all their value. 17.Case studies are for educational purposes only and do not indicate future performance. 18.Investment results vary. 19.Strategies and products presented are not appropriate for every individual. 20.Investment and insurance products: Not FIDC insured, not a bank deposit, not insured by any federal government agency, not bank guaranteed. May lose value. Attachment of Disclaimers Any and all disclaimers in any Content or on any page in our Site are hereby included by reference, in their entirety, to these Terms. For your convenience, and with your agreement, we are not repeating those disclaimers here. Similarly, these terms, in their entirety, are included by reference to any Plan, Report, Site, or Service or communication received or used by you. You are hereby requesting that we do not repeat these terms and disclaimers in articles and discussions throughout the Site, Plans or Report(s). While inside the community, you may refer back to our Terms of Use by clicking on the Anasova logo in the top left of the screen (Fin Hive) or lower left corner of your report. Or top of page menu drop down (Anasova.com). You agree to allow these links to contain these Terms of Use, in whole, for every page of content, throughout the Platform. If the link is somehow missing, you agree these Terms still apply to any content presented in any way. Educational Site This Site is for education purposes. This Site does not contain personalized advice. This Site lacks sufficient detail and disclaimers for you to make any actionable decisions. You will use the information for thoughtful conversation with your advisors to determine how these ideas may or may not be appropriate for your unique situation, personal needs, goals and risk tolerance. You agree you are using this Site at your own risk. The ideas in this site are meant to go together. You can't pick and choose concepts without materially changing, disrupting or destroying the overall ideas. All figures and rates are hypothetical and subject to change without notice. Past performance does not guarantee future results. All strategies have risks. These risks are not fully disclosed on this Site. You must evaluate these risks with your professional advisors. Private Community By using our Service you are electing to opt in and join a private community where we intend to discuss ideas freely for educational purposes. You understand that the Terms of Use and these disclaimers apply to all of the content herein. Help and Assistance General help and assistance for the app, content and plans is included and at your request as part of your financial plan. Access to personal assistance from financial professionals may be included as a match. For financial professionals or enterprises, Anasova Connect, the FinHive, the lead generation system and other services may be made available for an additional charge or on a per use or per lead basis. Additional terms and conditions may apply with these services but these Terms also apply. You are not required or obligated to sign up for or to use these services. If you are not a subscriber or an account holder to our services we reserve the right to provide no support and to not answer any questions, of any type. If you are a paid subscriber or account holder with a funded account we reserve the right to limit our help and assistance. Content Bounties We may from time to time offer bounties (rewards) to improve our content or services. We do this because we really value your feedback. We have sent a number of rewards and would like to send out more. The problem is, we have had some bad actors try to take advantage of our program. So, please read the following closely: •Only submissions received via our contact form are valid. •Only one bounty will be awarded per discovery of any item, issue, error, or improvement. If an issue, error, or improvement has been identified we may simply inform you that it is on our roadmap and we are working on it. •Errors that have been fixed (old errors) are no longer eligible for a bounty. •Bounties must be submitted on a timely basis, ideally as soon as discovered. •The bounty, if any, is allocated in our sole discretion. We do not have to award it under law, agreement, or contract. You may just get a simple thank you. We have the right to reject or approve any award for any reason, including "we don't want to pay it". •A bounty, if any, is not a commitment or contract, of any type. You agree and accept that bounties, if any, are not a contractual obligation of the Platform, Anasova, Inc. or our Affiliates. •We reserve the right to intentionally maintain errors and the right to reject bounties related to said errors. We also reserve the right to reject your suggestions and comments for any reason. •Bounties may be across multiple categories such as "error", "improvement", "mathematical argument". We alone classify the category under which a submission is eligible. You do not have the right to dispute our classification. We have no obligation to disclose the process through which we determine if a bounty is eligible or how it is classified. You should anticipate this process is an "opaque box". •You must be an Eligible User to receive a bounty. •We may request additional detail and / or a call to better understand your comment, suggestion or mathematical argument. •Mathematical arguments on a superior solution must adhere to academic rigor. •Eligible Users are limited to a maximum payout of $99. •Bounties must be awarded to a person (rather than a company). We reserve the right to collect whatever information we deem necessary to pay your bounty. We may request information including, but not limited to, your name, address, age, citizenship, and a copy of your plan. If you do not promptly provide the information we request, we have the right to void your submission. •If the offer of a bounty is void by any governmental agency, of any type, anywhere, for any reason, then our offer is void as well. •These Terms of Use, including dispute resolution and mandatory arbitration, and our Privacy Policy apply are included in their entirety. •Bounties or any bounty related claims are not eligible for class action claims. •You agree hold harmless Anasova Inc. its investors, officers, and employees, contractors and affiliates from any obligation to you related to bounties or content rewards. •We may modify or cancel these programs at any time, for any reason. Additional Content Disclosures and Disclaimers •When you see language like "you should...", "you must...", or any similar language you will interpret the emphasis to be a key point to discuss with a professional, not a recommendation or basis of action. You agree you will not interpret these terms literally. •Similarly, when you see the terms "I" or "you" you recognize and agree that this is stylistic. "I" is not the voice of any individual. "You" does not refer to you specifically, or to any individual. •You agree and understand that all risks are not covered in these Terms or in the materials or information you receive via our Services and that the ideas may not be appropriate for you. •The information you receive in our guidebook, plans, outreach/emails and Services has been prepared by a computer and has not been reviewed by a human. You agree, acknowledge, and understand that it may have errors. You also understand these errors may be difficult to identify. You accept these risks and recognize that it is a considerable risk. You release any claims related to errors in the information you receive. •There is no guarantee on the completeness, appropriateness, quality or accuracy of information in the Platform. •When you see facts, figures, or opinions, of any type, there can be no assurances that this statement is 1.) factually correct 2.) applies to your situation 3.) you will experience a similar result or 4.) you will be eligible for the product(s) or service(s) to which we refer. This includes, but is not limited to, statements estimating savings, rates, terms or conditions. This information is intended for your guidance and general information purposes only as a basis to further explore a topic of interest or potential area of saving. Content Specific to Our Plans, "Build a Plan", "Build Your Plan", "Secure Your Future", “Financial Assessment”, “Financial Health Check up” and all Related Terms Some of this is a bit repetitive but it is considered a best practice for us to make sure this is clear. When we say "build your plan" or "run a financial assessment" or "secure your future" or any similar term prior to building a plan you understand: 1.You are requesting that we generate a publication for you. 2.We generate this publication from our content library. We pull select content based on your data input and preferences and what we think will be of interest. We make this determination via an online questionnaire (which may change any at time). 3.That content will generally appear as a PDF, webpage or email, which is our publication. It may also surface as an interactive web response to information you provided. 4.The publication provides an impersonal perspective for educational purposes, not advice or recommendations. 5.The publication is of regular circulation - you can update it any time you would like (and in fact it is updated almost daily). 6.You do not consider it to be a Financial Plan, but just a "plan", like "I plan to have dinner tomorrow". 7.By accepting your plan and by using our Services, you agree to take the position that you consider Anasova to be a publication of general and regular circulation, providing impersonal education, under Section 202(a)(11)(A)-(E) of the Advisors Act. 8.You understand that there can be no assurances or guarantees that you will in fact "Secure Your Future" or have success in accomplishing your goals. Math Content in Our Publications and in the Services Content in a traditional publication might say something like, "own 10x your income in life insurance". Here, we ask you questions and do the math for you. This is not to be interpreted as personalized advice. It is simply a service we provide, based on information you provided. Our math may have errors because of mistakes you made entering the data or mistakes in our calculations. This is why it is important to review our math with your professionals. We make no assurances, representations, guarantees, or warranties that the math in your publication is correct or relevant to your personal circumstances. Claims, User Data, Statements on Usage, Statistics, Facts & Figures •We make no assurances or guarantees that any claim on the site is factually accurate, correct, or will pertain to you or your unique circumstances. •Because we do not collect personally identifiable information, we have anonymous, unverified, self-reported user data and aggregated data overall but no information to connect to any identifiable person. •We make our best efforts to remove test or phantom plans from our data but no assurances can be made that this effort is complete. As a result, data we share may not be statistically accurate. •We make no effort to verify any data our users provide to us. •We rely on our users to provide accurate data. •While we believe our statements are accurate, the data, and therefore our statements, could be inaccurate for any number of reasons. •We assume no liability with respect to any claim around the accuracy of our claims, user data, statements on usage, statistics, facts & figures. •"Trusted by millions of dollars per day" or "Used by billions of dollars" or "Analyzed billions of dollar", or "Used by thousands of people" or similar statements are based on the average of what users claim to have as assets when they run a plan. Total dollars / days since launch. Our basis of ascertaining "trust" is limited to the fact that an individual used our service. •Average savings is based on the average of the savings the plan estimates for our users. These estimates may be inaccurate for a number of reasons. •High net worth individuals can skew our data dramatically. This impacts our statements with respect to savings and usage. We reserve the right to adjust our claims downward (by using median versus mean or by other proprietary methods). As a result, the stated figures may not match our actual data. •Our data changes daily and is subject to change without notice. Plan Specific Disclaimers When you do get your plan (which is not a Plan), here is a preview of some of the disclaimers and reminders you may see: Agreement to terms (your name may be inserted), on (the date and time will magically appear here), prior to receiving this report, you attested that you have read, understood, and agree to our Terms of Use, which you can access here: https://www.anasova.com/termsofuse.html. These terms may have been updated since your initial agreement. These terms are included by reference in their entirety. If for any reason you have changed your mind or disagree with those terms, please stop reading now and destroy your copy of your report. Key reminders prior to reading your report: •"Ana" is not a real person. You are interacting with artificial intelligence. •You understand this publication has been prepared by a computer, that it may have errors, and that this publication has not been reviewed by a human. You also understand these errors may be difficult to identify. •You are using this service for educational and informational purposes only. •This is a publication is of general and regular circulation. Our contents are updated regularly and subject to change without notice. You may access an updated copy anytime, on demand. •This publication is impersonal and is not tailored to your individual needs. The contents are customized based on what we think are the interests of our readers. You may select other preferences via the questionnaire to see additional content. •This was prepared at no cost to you and at your request. This report is for general education purposes only and lacks sufficient detail and disclaimers for you to make any actionable decisions. •The contents shall not be construed or interpreted to be any form type of advice, by any person, in any jurisdiction. This includes, but is not limited to, personalized, financial, legal, insurance, lending, banking, credit, savings, health, medical, or any other form of advice. •You will use the information for thoughtful conversation with your advisors to determine how these ideas may or may not relate to your unique situation, health, personal needs, goals and risk tolerance. •When you see language like "you should..." or "you must" and that you agree you will interpret the emphasis to be a key point to discuss with a professional, not a recommendation or basis of action. •You are using this publication at your own risk. All strategies have risks. These risks are not fully disclosed on this site or in the report. You must evaluate these risks with your professional advisors. •The ideas in this publication are meant to go together. You can't pick and choose concepts without materially changing, disrupting or destroying the overall ideas. •Discussion about securities is for education purposes only and not a solicitation for any security or financial Advisor in any jurisdiction. See additional disclosures at the end of this report. Commentary on securities is not promotional. Our content is based on detailed independent analysis and study. •There are advertisements in this publication. If you provide your contact information, we may share that information with your matches. •Facts and figures are hypothetical, subject to change, and are designed to facilitate discussion. Past performance does not guarantee future success. There can be no assurance or guarantee of your success. Any modeling or predictions on future wealth accumulation may be wrong for many reasons. These reminders are provided for your convenience and are not a complete list of our terms, risks or disclosures. This list is not intended to be a replacement or substitute for our full Terms of Use. Additional important disclaimers, details on our Advertiser Disclosure, Privacy Policy, Terms of Use, how to contact us, and other important information can be found at the end of this report and in our Terms of Use. There are other disclaimers in the back, which are included by reference, they refer you back to here, and the whole process is very circular, but then, hopefully, complete. Images and Photo Disclaimers The persons shown in photographs on this website are stock photography models, images that we own, images we control the rights to, or images have obtained permission to use (Models). The Models are not affiliated with, Anasova. We have obtained the rights to use the photographs, and use of the photographs is in compliance with the terms of those license agreements. The photographs showing the Models are used on this website for illustrative purposes only. The Models do not personally endorse Anasova, or any products, services, causes, or endeavors associated with, or provided by, us. The context in which the photographs are used on this website is not intended to reflect personally on any of the Models shown in the photographs. We assume no liability for any consequence relating directly or indirectly to the use of the photographs showing the Models on this website.
5. Terms and billing Trial terms, automatic billing, cancellations & refunds Information on trial periods, subscriptions, billing, and cancelations can be found at the point where you are asked to subscribe to, sign up for, or add money to a service. Please read those terms carefully at that time. Some Services may provide a free trial or introductory offer. If such an offer is provided it will identify the limit to how long the free trial is and how often the free trial can be used. If no limit is identified the default is one free trial per 6-month period, unless the free trial is for more than one month, in which case the limit is once every two years. In the event we are unable to track this, you shall receive the benefit of the doubt. You will not be charged during the free trial and you will have access to the Service, subject to these Terms. If you cancel your subscription during the free trial, your card will not be charged. If you do not cancel, you hereby authorize Anasova to charge your credit card at the end of the free trial. We will try to notify you before you are charged, but we can't make any promises. Monitoring the free trial is your responsibility. Once your credit card has been charged, your free trial has expired. Should you desire a refund after your card has been charged we reserve the right to offer a full or partial refund, or deny your request, at our discretion. If you disagree with our decision, you have the ability to dispute with your credit card provider. If you ever have a question, please contact us. We would really like to resolve any issues amicably. If you fund your account (not a subscription) and would like a refund, we also reserve the right to offer a full or partial refund, or deny your request, at our discretion. Renewal Certain services will automatically renew at the then-current rate until you notify us of your decision to terminate your membership. BY ALLOWING FOR YOUR RENEWAL, YOU PROVIDE YOUR ELECTRONIC AUTHORIZATION FOR FUTURE CHARGES AGAINST YOUR CREDIT CARD ON FILE, STRIPE, OR APPLE PAY. Accordingly, you agree that your membership fee or subscription will be billed automatically at the beginning of each renewal period at the then-current rate (plus sales tax, if applicable) to the credit card you used in your most recent transaction with us. Any subscription purchased using Apple Pay will continue to renew on Apple Pay. The same goes for Stripe. Right to Change Price of Services Anasova reserves the right to change fees for any product, service, or offering without notice. We will attempt to provide reasonable notice of an increase in fees for those enrolled in an automatic renewal program, generally defined as not less than 30-days. Payment If you purchase any Service through the Site, you agree to pay any fees set forth. We utilize a third party (“Payment Provider”) to process payments. You must provide our Payment Provider with a valid credit card (Visa, MasterCard or any other issuer accepted by us) as a condition to such transactions. We do not accept cash or checks. The Payment Provider’s policies govern the processing of your payment, and you must refer to those policies and not these Terms to determine your rights and liabilities. Subject to the Terms of Anasova, Subscriptions, Free Trials or any other Service, if any, by providing your credit card number and associated payment information through the Site and Service, you authorize us through our Payment Provider to immediately invoice you for all fees and charges due and payable to us hereunder, and you agree that no additional notice or consent is required. We reserve the right at any time to change our payment terms, either immediately upon posting on the Site, by email delivery to you or any other reasonable method of communication.
6. Engagement of services & Releases Purchases, engagement of services and release from damages and claims Purchases If you wish to purchase any product or service made available through the Service ("Purchase"), you may be asked to supply certain information relevant to your Purchase including, without limitation, your credit card number, the expiration date of your credit card, your billing address, and your shipping information. You represent and warrant that: (i) you have the legal right to use any credit card(s) or other payment method(s) in connection with any Purchase; and that (ii) the information you supply to us is true, correct and complete. The service uses third-party services, like Stripe, for the purpose of facilitating payment and the completion of Purchases. By submitting your information, you grant us the right to provide the information to these third parties subject to our Privacy Policy. We reserve the right to refuse or cancel your order, subscription, or bid at any time for reasons including but not limited to: fraud or an unauthorized or illegal transaction is suspected, product or service availability, errors in the description or price of the product or service, error in your order, an impairment in our ability to deliver the product, lead, or service, or any other reason we deem necessary. No Guarantees or Endorsements. In our Service, we may match you to advice and solutions. We do not pre-qualify or vet any of the advice or solutions providers. Any match is designed to encourage thoughtful conversation and rigorous debate with your professional advisor(s) on the topics herein. It is NOT advice or analysis on securities, investing, tax, debt, or lending. Not a solicitation for the purchase or sale of any security or on behalf of any financial professional. Not an endorsement or recommendation of any product, service or professional with whom you may have matched. We do not guarantee the accuracy, quality, or appropriateness of any match. These third-party providers are unaffiliated with Anasova and have paid for the opportunity to present their services or products to you and/or to be a part of our content, marketplace, web sites, lead generation service, or other services. They are not employees or contractors of Anasova. If they have purchased your contact information, any outreach is outside the system of Anasova and we do not have any control in the type of outreach, the information in the outreach, the amount or cadence of outreach. You can choose to engage, or not. You engage with these services or professionals at your own risk. You have the right to opt out by contacting this third-party to be removed. Any information they provide to you is based solely on the data you provided via Anasova’s online questionnaire, and they do not have all the information necessary to give advice or recommendations or to take action. Any information provided by professionals should be understood to be general education only, not securities or investment advice. Anasova makes no representations, guaranties, warranties on the completeness or accuracy of information related to or from professionals, their profiles, their content (written or video), or their information in our content, web sites or marketplace or their own outreach to you directly. You engage with these professionals at your own risk. Before taking any action, you should contact your own financial advisor or expert. Similarly, we make no guarantees, warranties or representations regarding the skills or undertakings of such professionals or the quality of the job that he or she may perform for you if you elect or opt-in to interact with one or retain their services. Anasova does not endorse or recommend the services of any particular professional in our content, web sites, network, lead generation, or marketplace. Our goal is to deliver the highest quality professionals to our network and marketplace. It is only in our best interest to do so. However, we do not independently verify or vet their representations about their services, licensing, accreditation status, nor validate any reviews. We do not represent, endorse, sponsor, solicit or promote any professional or expert. It is entirely up to you to evaluate their information, their content, their appropriateness for you, and their qualifications. We do not guarantee or warrant any professional's performance, or the outcome or quality of the services performed. You use professionals with whom we match you at your own risk. It is your job to do the diligence to be sure they are the right professional for you. Not employees. We are not an agent. The experts and professionals in our network or marketplace are not employees or agents of Anasova, nor is Anasova an agent acting on behalf of these professionals. In our Service as a client, you may purchase leads. We do not pre-qualify or vet any of the leads. Any data you receive is self-reported, unverified and non-identifiable. We make no guarantees, warranties or representations regarding the quality, accuracy, or appropriateness of any lead in our Services. We only guarantee a valid email, but we do not guarantee the person(s) real or otherwise who receives that email, only that the email will not be rejected. You purchase these leads at your own risk and understand that the majority of leads will not respond to you. We do not guarantee any conversion or success rates nor are we compensated based on any type of success. Once you have the contact information, success depends solely on what you do outside of the Anasova Service. We only offer connection and data. If you do not like or agree with this, do not use our Services. Release from Damages or Claims. There are two types of listings in our Services, Ads or matches we facilitate where you are leave our site ("Third Party Links"). YOU HEREBY AGREE TO RELEASE ANASOVA (AND OUR OFFICERS, DIRECTORS, SHAREHOLDERS, AFFILIATES, EMPLOYEES AND AGENTS) FROM ANY DAMAGES OR CLAIMS (INCLUDING CONSEQUENTIAL AND INCIDENTAL DAMAGES) OF EVERY KIND OR NATURE, SUSPECTED AND UNSUSPECTED, KNOWN AND UNKNOWN, AND DISCLOSED OR UNDISCLOSED, ARISING OUT OF OR IN ANY WAY CONNECTED WITH ANY DISPUTE, DAMAGE, OR CLAIM FORM YOUR DEALINGS WITH ANASOVA CONTENT, THIRD PARTY LINKS or THIRD-PARTY PERSONS. Disputes. If you click on a third-party link and contract for services directly through their site, you have left Anasova and are subject to their terms and conditions. See Third Party Links for details. If you engage with a third-party professional and contract for their services directly with them, you have left Anasova and are subject to their terms and conditions. See Third Party Links for details.
7. Satisfaction guarantee If you aren't happy with a service we have provided you, then we don't want to charge you. Many in our network share this same philosophy, which makes our Satisfaction Guarantee possible. However, that simple idea has some complexity so here are some important details. If you are not satisfied with your plan or our Services, contact us at info@anasova.com or through our Contact form, and we will generally process your refund "no questions asked". While we don't ask questions, to avoid fraud we do need to confirm at least three things: email address used for the plan, time stamp, last digits of card. If you do not provide the requested information, your refund will be rejected. We only refund to the card that was charged. We have the right to ask any other question we see necessary, and we have the right to reject your refund for any reason in our sole discretion. We intend to use this clause to protect our company from fraud, not to restrict the intent of this policy. While you don't have to provide feedback, we sure would love it. Finally, we have the right to limit the number of refunds to a person or card in our sole discretion. Apologies that there are some bad people out there that make life difficult for all of us. Use at your own risk. While we strive to facilitate a high-quality marketplace or lead generation service, we do not represent or warranty that we will vet or have vetted our third-party providers. We do not represent or warrant their licenses or their legal ability to provide services of any type, in any jurisdiction. We do not represent, warrant or guarantee the quality, intent, interest or anything else of our leads generated and sold as part of our lead generation or marketplace service. The data leads provide is unverified, self-reported, and non-identifiable. You purchase leads at your own risk. Other notes Not an endorsement or advertisement Our Satisfaction Guarantee is not an endorsement of any product, service or provider. Availability No Third-Party Links, third-party providers or professionals, or leads are eligible for our Satisfaction Guarantee. We hope you enjoy our services with reasonable expectations. Finally, if you do not like the terms of our Satisfaction Guarantee(s), please do not use our services.
8. Copyright Policy and Intellectual Property Copyright Policy: We respect the intellectual property rights of others. Information on this site is either a.) provided by users themselves or b.) gathered from publicly available sources. Whenever possible, we attempt to gather, summarize and organize small pieces of existing content that is readily available in public forums, in a searchable way, for educational purposes. The exclusive purpose of these summaries is to direct users to the primary site for more information. It is our policy to respond to any claim that Content posted on the Service infringes on the copyright or other intellectual property rights ("Infringement") of any person or entity. If you are a copyright owner, or authorized on behalf of one, and you believe that the copyrighted work has been copied in a way that constitutes copyright infringement, please submit your claim via email to info@anasova.com, with the subject line: "Copyright Infringement" and include in your claim a detailed description of the alleged Infringement as detailed below, under "DMCA Notice and Procedure for Copyright Infringement Claims" You may be held accountable for damages (including costs and attorneys' fees) for misrepresentation or bad-faith claims on the infringement of any Content found on and/or through the Service on your copyright. DMCA Notice and Procedure for Copyright Infringement Claims You may submit a notification pursuant to the Digital Millennium Copyright Act (DMCA) by providing our Copyright Agent with the following information in writing (see 17 U.S.C 512(c)(3) for further detail): •an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright's interest; •a description of the copyrighted work that you claim has been infringed, including the URL (i.e., web page address) of the location where the copyrighted work exists or a copy of the copyrighted work; •identification of the URL or other specific location on the Service where the material that you claim is infringing is located; •your address, telephone number, and email address; •a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; •a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf. You can contact our Copyright Agent via email at info@anasova.com. Intellectual Property and Ownership The Service and its original content (excluding Content provided by users), features and functionality are and will remain the exclusive property of Anasova, Inc. and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Anasova. You understand and acknowledge that the software, code, proprietary methods and systems used to provide the Site, Apps, or Services (including via any App) ("Our Technology") are: (i) copyrighted by us and/or our licensors under United States and international copyright laws; (ii) subject to other intellectual property and proprietary rights and laws; and (iii) owned by us or our licensors. Like our Content, our Technology may not be copied, modified, reproduced, republished, posted, transmitted, sold, offered for sale, or redistributed in any way without our prior written permission and the prior written permission of our applicable licensors. You must abide by all copyright notices, information, and restrictions contained in or attached to any of Our Technology. Nothing in the Agreement grants you any right to receive delivery of a copy of Our Technology or to obtain access to Our Technology except as generally and ordinarily permitted through the Site according to the Agreement.
9. Third parties and links to other websites, advertisements & endorsements Our Service contains links to third party web sites or services that are not owned or controlled by Anasova. If you click on anything in one of our sites, webpages or PDFs it may take you to a completely new site - an unrelated site (a "Third Party Site"). And, we don't use pop up warnings that say things like "you are now leaving our site". We will try to give you a heads up but, you should assume any click could take you to a third-party link. Certain requests you make might automatically route you to another site. If you don't like how we do this, please do not use our site. Our Service may also share your contact information with third-party firms or professionals. They may contact you directly, in whatever form and wherever (written, email, text, phone call, etc.). If you don’t like how we do this, please do not use our site or do not provide your contact information. Anasova has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third-party web sites, services, or persons. We do not warrant the offerings of any of these entities/individuals or their websites. We do not review these sites or persons. We do not endorse these sites or people. We make no representations on the accuracy of content in these sites or their direct outreach to you. You alone take responsibility for accessing these sites or engaging third-party firms or professionals. Some of the Services involve reviews, content (written or video) or advice from third parties and third-party content. You agree that any such advice, information and content is provided for information, education, and entertainment purposes only, and does not constitute legal, financial, tax planning, insurance, medical, or other advice from Anasova. You agree that Anasova is not liable for any advice or information provided by third parties. You agree that you are responsible for your own financial research and financial decisions, and that Anasova is not responsible or liable for any decisions or actions you take or authorize third parties to take on your behalf based on information or matches you receive as a user of Anasova. You acknowledge and agree that Anasova shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third-party person, firm, web sites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party web sites, services, or persons that you visit. No Endorsements Anasova does not intend the information in our Platform to be investment advice, and the information presented should not be relied upon to make an investment decision. No portion of this Service is intended to be considered an endorsement for or solicitation of any financial, lending or credit products of any type of Advisor or financial institution. Anasova is not responsible for user or professional posted content. We strive to present factual information. Please contact info@anasova.com if you perceive that there is an endorsement within the site or service. A link to a site does not mean we are endorsing that site, their products, services, or their people or company. If a financial institution or professional follows up directly with you, this also does not mean we are recommending or endorsing this person or their services. You understand that you have the option to: 1.Not click on anything. 2. Not provide contact information. 3. Not use our site. 4. Opt out at any time from either Anasova or third-parties
10. Things you cannot do / Code of Conduct Restrictions on Use Users may only use the site in a way which complies with local, state, federal, international laws as well as all securities, banking, insurance, and any other laws, rules and regulations to which you, your affiliates, employees, agents or others acting on your behalf may be subject in any jurisdiction, by any entity, whatsoever. Users are responsible for compliance with any and all laws, regulations and requirements including, but not limited to, those relating to advertising and soliciting products and services. Any use that is out of compliance with any law, regulator or enforcement agency, of any type, in any jurisdiction, is an ineligible use of the Platform. Any use that posts, transmits or transfers Personal Identifying Information is an ineligible use of the Platform. You can't do these things Additional restricted uses include but are not limited to: 1.Origination of a federally related mortgage loan (including, but not limited to, the taking of loan applications, loan processing, and the underwriting and funding of such loans); 2.Rendering of services by a mortgage broker (including counseling, taking of applications, obtaining verifications and appraisals, and other loan processing and origination services, and communicating with the borrower and lender); 3.Provision of any services related to the origination, processing or funding of a federally related mortgage loan; 4.Provision of title services, including title searches, title examinations, abstract preparation, insurability determinations, and the issuance of title commitments and title insurance policies; 5.Rendering of services by an attorney; 6.Preparation of documents, including notarization, delivery, and recordation; 7.Rendering of credit reports and appraisals; 8.Rendering of inspections, including inspections required by applicable law or any inspections required by the sales contract or mortgage documents prior to transfer of title 9.Conducting a settlement by a settlement agent and any related services; 10.Provision of services involving mortgage insurance; 11.Provision of services involving hazard, flood, or other casualty insurance or homeowner’s warranties; 12.Provision of services involving mortgage life, disability, or similar insurance designed to pay a mortgage loan upon disability or death of a borrower, but only if such insurance is required by the lender as a condition of the loan; 13.Provision of services involving real property taxes or any other assessments or charges on the real property; 14.Rendering of services by a real estate agent or real estate broker; and 15.Provision of any other services for which a settlement service provider requires a borrower or seller to pay. 16.No offer to purchase or sell securities. 17.No spam. 18.No solicitation. 19.No sexually explicit material. 20.No racist, unkind, or offensive remarks, as determined at our sole discretion. 21.No impersonating anyone. 22.Nothing unlawful. 23.No viruses or posting links to malicious websites. 24.No advertising. 25.No endorsements. 26.No disrupting our Services, Content, or the experience of other users Neither Anasova nor its affiliates, officers, directors, employees, agents or representatives shall be liable for any ineligible use of the Platform. By using the Service, you represent you agree to abide by all of the terms and conditions of these Terms of Use. If you violate any of these Terms of Use, or violate any other agreement with us, we may terminate your registration and/or prohibit you from using or accessing our Services or the Website.
11. Your Responsibility 1.Follow the terms of this agreement, including the code of conduct 2.To make our community a better place. We reserve the right to remove anyone, anytime, for any reason.
12. Affiliate marketing programs and Advertiser Disclosure Our Service includes advertisements and lead generation. Advertisers tell us the criteria of their preferred clients and bid (price) to present their solution to you or access your information. The bids can come in the form of "click" (often called "Cost Per Click"), "activity-based" (called "Cost Per Lead"), "view" (often called "Impressions"), or “purchase” (buy your contact information). We use each of these and it will not be possible for you to know which is which. Views are pretty straightforward; we receive compensation if you see the advertisement. Purchase is also generally straightforward. If you meet the criteria of the advertiser, they pay us for your contact information, and at that point, the advertiser controls the interactions with: language, cadence of follow up, opt-out options, etc. Anasova is no longer a part of that relationship. The process for "click" or "activity-based" generally works this way: We receive a custom link from the advertiser. When you click on that link, they recognize that the traffic came from us. They monitor your activity on their site. They pay us according to your activity. The payment may be outright (upon a click) or upon a more defined activity (an inquiry, enrollment, additional click, purchase, etc.). You will be matched to the highest bidder(s). Your matches will change based on the data you provide, including your email address or other contact information. Your plan may contain additional advertisements. Matches are not vetted, endorsed, or recommended by Anasova and may not be appropriate for you. We recognize this creates conflicts and that those conflicts exist, and you should recognize this as well. You can choose to click on the advertisement or partner link, or not. However, if you do click on that advertisement (or see it), we may get paid a fee. You can choose to provide your contact information, or not. It is optional though your matches may change depending upon the information you provide. If you provide contact information you consent to receive marketing calls/texts or emails from Anasova or other third-party providers. You understand we will share this information with your matches. You agree that you are providing to us your consent for us or third-parties to contact you regardless of any Do Not Call or Do Not Email privacy choices you may have previously expressed until you revoke this consent. You may revoke your consent at any time by responding to any communication received as a part of this service from Anasova or from a third-party provider. Important note: in the case of investment considerations, we receive no form of compensation, of any type. For example, if you see the service mention a Vanguard fund, we are not being compensated for that recommendation.
13. Community content policies, securities, and risk of conflict As content is created, we try our best to stand up to academic rigor and debate in the field, but all content in our Services is included in our sole discretion. Opinions are welcome but should be identified as such and justified to the extent possible. Individual Securities and Risk of Conflicts While we try to avoid any discussion on any security, it may arise. Anasova employees, directors, contractors or affiliates may have positions in individual securities discussed in this site. When you see discussion or mention of any individual security you recognize and hereby agree that this discussion is for educational and informational purposes only. You agree that the mention of a security is not a solicitation of, nor an advertisement for, that security, in any jurisdiction. We make no representations on the appropriateness of any security. Although Anasova receives no form of compensation for any securities mentioned, you understand that the information in this site may be biased. You agree to work with your professional advisors to see how information throughout the site, and particularly with respect to individual securities, pertains to you and to your personal situation. We will not trade in our firm and personal accounts based on the anticipated market impact (if any) of our comments. Due to the nature of our content, potential number of contributors, the decentralized editorial process, the variety of discussions, and the speed at which our content can change, it will not be possible to have holdings disclosures or to identify all or even any potential conflicts throughout the site. You recognize this issue and agree this disclosure is your only disclosure of these potential conflicts. We (Anasova, Inc.) do not hold any securities but there could be a conflict of interest between our author(s), our advertisers, our third-party professionals, and you. We do not screen our advertisers or third-party professionals for potential conflicts. We do our best to frame our view as asset classes rather than specific positions. This may provide you with flexibility yet still not remove all conflicts. Despite doing our best we may fail. Our disclosures may not be complete. Fortunately, you have choices including to 1.) not read or follow our ideas 2.) accept the risk of potential conflicts 3.) look for substitute positions 4.) not use our service 5.) speak with your advisor or professional before taking any action. If you are concerned we would be happy to discuss this with you further prior and provide more detail, prior to your use of our Service. Additional Disclaimers Curated content should not be construed as being provided to meet any person’s individual situation. Curated content does not mean it is an endorsement or recommendation. You must consult a professional before making a decision. Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance. Anasova its subsidiaries, affiliates, and its licensors do not warrant that a) the Service will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements.
14. Termination Don't do bad things: We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms. If you wish to terminate your account, you may simply discontinue using the Service (easy) and / or let your subscription lapse (also easy). See our FAQ (https://www.anasova.com/frequently-asked-questions) or contact us (https://www.anasova.com/contact or info@anasova.com), with questions or for more specific details on how to cancel a subscription. Still subject to these terms even after you go. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, arbitration, waiver of class action, indemnity and limitations of liability.
15. Indemnification You agree to defend, indemnify and hold harmless Anasova and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password; b) a breach of these Terms, c) Content posted on the Service, or d) reading and taking action on information in your plan (as stated previously, the plan does not provide enough information to make a decision. You must talk with your financial professionals before making a decision). Why? Here is the deal. We are really just trying to give you ideas. Data. Information. Connections. What you do with them is up to you and your professionals. An idea is just the starting point. We can't give you an idea, you go off and do something, and then come back and say it is our fault. That doesn't seem fair, does it? If you don't want our ideas, don't use the site.
16. Dispute Resolution by Binding Arbitration: Class Action Waiver If a dispute arises in connection with your use of our Services or in relation to any of these Terms (collectively, “Disputes”) our hope is that we can resolve the matter as quickly and efficiently as possible. The first course of action is to: 1.You contact us at info@anasova.com 2.Tell us what is wrong / the nature of your dispute 3.We will respond to the address from which we receive the communication. If we can't resolve it informally within 30 days, we each agree that except as provided below, the Dispute will be submitted to final and binding arbitration in a location of our choice, as outlined herein under Governing Law. In the event that arbitration is necessary, the arbitrator is bound to consider, to the maximum extent permissible, the good faith efforts taken by both parties to resolve the dispute without resorting to arbitration. You expressly agree to refrain from bringing or joining any claims in any representative or class-wide capacity, including but not limited to bringing or joining any claims in any class action or any class-wide arbitration. YOU UNDERSTAND THAT YOU ARE WAIVING YOUR RIGHT TO HAVE A JUDGE OR JURY DECIDE YOUR CASE AND TO BE PARTY TO A CLASS OR REPRESENTATIVE ACTION. YOU UNDERSTAND AND AGREE TO HAVE ANY CLAIMS DECIDED INDIVIDUALLY AND ONLY THROUGH ARBITRATION. EXCEPTIONS Notwithstanding the foregoing, the following will not be subject to arbitration and may be adjudicated only in the state and federal courts of Illinois: (i) any dispute, controversy, or claim related to or contesting the validity of our proprietary rights, including without limitation, trademarks, service marks, copyrights, patents, or trade secrets; or (ii) an action by a party for temporary, preliminary, or permanent injunctive relief, whether prohibitive or mandatory, or other provisional relief. You may also file an individual action in a small claims court in lieu of arbitration. Opting Out You will have thirty (30) days from the date you submit your personally identifiable information to opt out of this arbitration agreement. To opt out of arbitration, you may contact us at info@anasova.com or https://www.anasova.com/contact. Your notice must include your full name, postal address, and e-mail address (if you have one), and an unequivocal statement that you want to opt out of this Arbitration Agreement. If you opt out of this Arbitration Agreement, all other provisions of the Agreement will continue to apply to you. Opting out of this Arbitration Agreement has no effect on any other arbitration agreements that you may currently have, or may enter in the future, with us. If more than thirty (30) days have passed, you are not eligible to opt out of arbitration.
17. Limitation of Liability and Additional Disclaimers In no event shall Anasova, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose. Additional Disclaimers Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance. Anasova its subsidiaries, affiliates, and its licensors do not warrant that a) the Service will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements. SOME STATES DO NOT ALLOW EXCLUSION OF IMPLIED WARRANTIES OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. IN SUCH STATES, OUR LIABILITY WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
18. Exclusions, Enforcement, Severability, Section Headings Important but technical stuff: Exclusions Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to you. Enforcement Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. Severability If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service. Section headings Use of paragraph headers shall not have any impact on the interpretation of particular provisions of these Terms of Use.
19. Governing Law These Terms shall be governed and construed in accordance with the laws of Delaware, United States, without regard to its conflict of law provisions. All disputes or claims arising out of, relating to, or in connection with the Terms, the breach thereof, or use of the Platform shall be finally settled under the Rules of Arbitration of the International Chamber of Commerce by one or more arbitrators appointed in accordance with said Rules. Upon our election, arbitration may be governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, “AAA Rules”) of the American Arbitration Association (“AAA”), as modified by these Terms, and will be administered by the AAA. The AAA Rules and filing forms are available online at www.adr.org, by calling the AAA at 1-800-778-7879. The default place of arbitration shall be Chicago, Illinois or another location at the sole discretion of Anasova. The jurisdiction that is applicable in this service and these Terms of Use with respect to the use of Mighty Networks is that of California, unless something else is required by binding law. The jurisdiction that is applicable in this service and these Terms of Use with respect to the use of Sharetribe is that of Finland, unless something else is required by binding law. See more details in "links and references to other terms of use".
20. Links and References to other Terms of Use Anasova is a web service built on the Mighty Networks and Sharetribe platforms. The general terms of Mighty Networks and Sharetribe apply also to the use of Anasova. The service provider reserves the right to change these terms of use if required. Valid terms of use can be found from Mighty Networks and Sharetribe’s websites. No guarantees of the functioning of the Mighty Networks or Sharetribe service are given. The users are themselves responsible for their actions in the service and they should estimate the reliability of other users before dealing with them. These service providers can under no circumstances be liable for damage that is caused to the user. The user may not store any information or data in the service,and expect it to remain there.
21. Privacy Your privacy is very important to us. Our Privacy Policy (https://www.anasova.com/privacy) explains how we treat your personal information and protect your privacy when you use our Website. We will not share or sell any of your information with any third party, except as specifically described in these Terms of Use and our Privacy Policy, which is hereby incorporated by reference into these Terms of Use. Access our Privacy Policy here: https://www.anasova.com/privacy
22. Consent Each time you use our Services, you are indicating your acknowledgement and consent to the collection, use and disclosure of information about you collected through our Services as set forth in these Terms of Use, including our Privacy Policy. We may revise these Terms of Use including our Privacy Policy without advance notice to you, but we will let you know of any changes by posting the revised Terms of Use on our Website with a new effective date. If you do not accept the terms outlined in these Terms of Use including our Privacy Policy or a revised Terms of Use, please do not use our Services.
23. Changes We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will use our best efforts to either provide at least 30 days notice prior to any new terms taking effect or present you with an updated attestation screen. What constitutes a material change will be determined at our sole discretion. Automatic Consent and Agreement By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.
24. Questions, Contact and Copy of Terms How you can contact us: If you have questions or concerns regarding this Terms of Use, please contact: Email: info@anasova.com or via https://www.anasova.com/privacy Copy If you have any difficulty accessing this information or prefer a different format, please refrain from using our Services, contact us and let us know if you prefer a pdf or mailed version of these terms. How you could be this far in the document and still having an issue is a mystery.
25. Your Agreement You are waiving your need to click on a box or sign a sheet of paper. YOU ACKNOWLEDGE AND AGREE THAT, BY ACCESSING OR USING THE SERVICES, YOU ARE INDICATING THAT YOU HAVE READ, AND THAT YOU UNDERSTAND AND AGREE TO BE BOUND BY THESE TERMS, IN THEIR ENTIRETY, WHETHER OR NOT YOU HAVE REGISTERED WITH US. Your use of our Service is your acknowledgement that your electronic submission constitutes your agreement and intent to be bound by these Terms and Conditions. Communication We only exist online and we communicate via our website and email. If we are required to post something, we will post it on our website and you agree that is sufficient. If these are not a satisfactory form of communication, or is an invalid form of communication in your jurisdiction, then you may not use the Services. We generally do not collect mailing addresses. This is for your privacy. We can not be held liable: •If we do not notify you via US mail •If your email address is invalid •If you fail to check back to our Services for updates We are willing to serve notices via other methods if there is good reason or at your request. Please send a note to info@anasova.com or through https://www.anasova.com/contact outlining your circumstances. You also agree: 1.You have read these Terms in their entirety. 2.These Terms, along with our Privacy Policy constitute our entire understanding and agreement. 3.This site does not contain personalized advice. 4.This site lacks sufficient detail and disclaimers for you to make any actionable decisions. 5.You will use the information for thoughtful conversation with your advisors to determine how these ideas may or may not relate to your unique situation, personal needs, goals and risk tolerance. 6.You are choosing to use this Site. 7.You agree you are using this Site at your own risk. 8.You have the option to not use this Site. 9.You are choosing to proceed. 10.By accessing the Site or our Services you are joining a private community. 11.You bear responsibility for your financial decisions. 12.You will contact us with any questions, comments or concerns. 13.You will not proceed or use the Site or Services if you do not agree to these Terms. Thanks for being here. We are glad to have you with us.
26. Other © 2023 Anasova. All rights reserved. All material contained within this Website is the property of Anasova. Reproduction and distribution of material contained within this Website and our Services is prohibited unless prior, written permission has been obtained. PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.
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Last Updated: September 1, 2023