Hello! Thank you for taking the time to review this Terms of Use Agreement ("Agreement," as defined below). We appreciate your attention. To use the Fortinvo website or any of the services offered through the Fortinvo website or mobile apps, you must agree to this Agreement. While we've included simplified summaries of key points, please note that the legal terms written by our attorneys are what governs this Agreement. We are excited to have you as part of the Fortinvo community!
Welcome to the Fortinvo Website
This website is an online service offered by Fortinvo Financial, Inc. and Fortinvo Financial USA Inc. for our customers. This Agreement outlines our responsibilities as the service provider and your responsibilities as a user of Fortinvo or our services, as defined below. If you are under 13 years old, you are not permitted to use this site. Terms that are capitalized or italicized in this Agreement will have the meanings specified in the "Definitions" section below.
Please read this Agreement carefully.
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This is a contract between you and Fortinvo Financial. Read it carefully so that you understand the rules for using Fortinvo.
This Agreement contains a binding arbitration provision ("Arbitration Provision") in Section O, requiring disputes to be resolved through individual arbitration.
By using Fortinvo, creating or accessing your Fortinvo account (including signing in via a third-party service or partner like Google), or otherwise using our services, you agree to be bound by this Agreement without any changes.
IF YOU DO NOT AGREE WITH THIS AGREEMENT, OUR POLICIES, OR OUR SERVICES, YOUR ONLY REMEDY IS TO STOP USING THE Fortinvo WEBSITE AND/OR OUR SERVICES, UNLESS OTHERWISE STATED IN THIS AGREEMENT.
If you do not meet the conditions of this Agreement or breach it, your permission to access and use our services, as well as any materials you have downloaded or printed, will immediately be revoked.
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To use Fortinvo, you must accept our terms. If you don’t agree, stop using our service.
We offer additional services ("Additional Services") with separate rules ("Specific Additional Service Terms"). These rules can be found on our Legal Disclosures page. When you use an Additional Service, you agree to the Specific Additional Service Terms. If there’s a conflict between this Agreement and the Specific Additional Service Terms, the Specific Additional Service Terms will apply.
The following terms are defined and used throughout this Agreement:
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We use capitalized terms for important definitions. If you see a word with the first letter capitalized, it’s defined in Section A.
License Grant
Fortinvo Financial grants you a non-exclusive, non-transferable, limited license to use Fortinvo, the Services, and related resources for your business in accordance with this Agreement. You agree not to violate our intellectual property rights or the rights of any third parties with whom we have business relationships, and you will comply with any applicable license agreements.
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You can use Fortinvo, but we still own it.
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If you add an Authorized User, they can access your data and perform certain tasks. Only grant access if you have the right to do so.
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Fortinvo may change from time to time.
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If something goes wrong with the service, your only option is to stop using Fortinvo.
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Fortinvo processes the data you input, but we’re not responsible for making sure the data is accurate or complies with legal requirements. You’re responsible for your data.
While using the Services, we may also collect information about others. If you provide us with personal information about someone else, you confirm that you have the authorization to disclose that information and that we may collect, use, and share it in accordance with our Privacy Policy. For example, you are responsible for ensuring that any required consents are obtained for transferring personal information to the United States or Canada.
Fortinvo Financial may ask you to assist with any requests from individuals whose information you’ve provided, and you agree to cooperate with these requests.
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You may share information about your employees or customers with us, and we’ll handle it according to our Privacy Policy. You’re confirming that you have the necessary consent to share this information.
Intended Purpose
Fortinvo and the Services are designed for business use only and not for personal, family, or household purposes. You agree to use Fortinvo and the Services strictly for their intended business purposes and in accordance with this Agreement.
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Fortinvo is built for businesses. Don’t use it for anything else.
You will select a username and password, and it’s your responsibility to keep them safe and current. You must maintain the confidentiality of your account details, including your username, password, and any other information required (such as employee details for Fortinvo Payroll). You and your Authorized Users are responsible for ensuring the security of access credentials. You are liable for any unauthorized access or use of your account.
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Don’t provide false information when you register. Keep your login details safe and up to date. You’re responsible for anyone who uses your account with your credentials.
Some of our Additional Services may require your physical business address (the location where your business operates) to comply with identification regulations. Note that P.O. boxes are not accepted and may lead to account suspension.
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When we ask for your business address, we mean the address where your business operates. No P.O. boxes, please.
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If you’re signing up for Fortinvo on behalf of a business, you confirm that you have permission from the business owner.
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You’re responsible for what happens in your Fortinvo account. If someone else uses your credentials, you’re the one who has to deal with it.
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Fortinvo is not HIPAA-compliant and should not be used by businesses in the medical or healthcare fields.
Certain online services (such as online banking, payments, invoicing, receipt storage, payroll services, and other online services related to Fortinvo) are provided by financial institutions and third-party providers, not by us. You agree to hold Fortinvo harmless for any issues arising from your use of these third-party services. Access to these services is subject to the terms set by the third-party providers. You confirm that you have the right to provide us with usernames, passwords, personal information, and other access credentials required for accessing third-party services in connection with Fortinvo.
Fortinvo Financial does not provide professional accounting services or financial advice. Unless explicitly stated otherwise, Fortinvo Financial does not endorse or qualify any individual or service. We do not represent or warranty anyone's background, qualifications, or the quality of their services or advice. If you engage a third party for assistance, you do so at your own risk and agree to release Fortinvo from any liability resulting from such use.
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You can use Fortinvo with services from other companies, but the terms and any fees are between you and them. If you need to provide login credentials for another service, make sure you have permission to do so.
If you need to download or use software in connection with Fortinvo or the Services, you cannot access or use it without agreeing to the applicable license agreement. The use of such software is governed by this Agreement and the relevant license agreement.
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Before using any downloadable software, you must agree to the license agreement.
Fortinvo Financial and its licensors own the intellectual property rights to all URLs, materials, products, content, images, text, tools, utilities, and software related to Fortinvo and the Services. The methods, procedures, and processes within Fortinvo are proprietary to us. Using Fortinvo or our Services does not transfer any intellectual property rights to you. However, your data remains your property. You grant Fortinvo a worldwide, perpetual, royalty-free, nonexclusive license to use your data for the purposes of delivering Fortinvo and its Services.
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You own your data, and we have your permission to use it for purposes related to the Services, such as processing or analysis. We own the tools and services we create.
Fortinvo and its materials are protected by copyright, trademark, and intellectual property laws. You may not copy, modify, reverse-engineer, redistribute, or sell any part of Fortinvo or its software without our written consent. You must take steps to prevent unauthorized use or copying of Fortinvo’s materials.
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Fortinvo owns everything it creates, and you agree not to try to copy, steal, or duplicate it.
You are allowed to take screenshots for personal use under certain conditions, including:
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You can take screenshots as long as:
Fortinvo Financial holds rights to several trademarks used in connection with Fortinvo or the Services. You are not granted permission to use these trademarks unless explicitly allowed by this Agreement or a separate license.
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Using Fortinvo doesn’t mean you can use our trademarks.
You may only access the information stored using Fortinvo or the Services for lawful purposes. Using Fortinvo or the Services to engage in fraudulent activities or actions that could result in civil or criminal liability is strictly prohibited.
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You cannot use Fortinvo for illegal or harmful activities.
You may not publish, post, upload, distribute, or provide any material or information that is illegal, unlawful, fraudulent, libelous, malicious, threatening, offensive, obscene, discriminatory, immoral, or otherwise objectionable to a reasonable person.
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Don’t use Fortinvo to share harmful or inappropriate content.
No User may interfere with or prevent another User from accessing or enjoying Fortinvo.
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Don’t disrupt the experience of other Fortinvo users.
You are prohibited from uploading content to Fortinvo that you know or should know infringes on intellectual property rights, or content that could negatively affect the performance of Fortinvo, the Services, or our systems. You may not use Fortinvo in any way that could block access to, damage, or disable Fortinvo’s servers or other equipment. You must not attempt unauthorized access to Fortinvo or any other User’s accounts, systems, or networks through methods such as password mining, keystroke logging, or hacking. Additionally, you cannot upload files that contain viruses, malware, spyware, or any software that could harm other users’ systems. All uploaded materials must comply with applicable laws.
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Don’t upload content that’s not yours, break things, or try to hack into systems or accounts.
You may not lease, sell, pledge, sublicense, assign, or otherwise transfer Fortinvo or its software in any way that violates our intellectual property rights.
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Fortinvo belongs to Fortinvo Financial—don’t try to sell it or transfer it.
You may not promote any commercial interest, falsify or delete information on Fortinvo, collect personal data without proper authorization, violate any laws, create a false identity, or use Fortinvo under false pretenses.
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Don’t pretend to be someone you’re not, break the law, or manipulate the platform.
You are not allowed to open an account or use our Services on behalf of a third party.
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Your account is for your personal use only, not for someone else.
Your privacy is important to us. By agreeing to this contract, you confirm that you have read, understood, and accepted our Privacy Policy.
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We value your privacy. By accepting this, you confirm you’ve read our Privacy Policy.
We’ve implemented security measures to protect your personal information from loss or unauthorized access. However, we can’t guarantee that unauthorized third parties won’t defeat those measures and misuse your information. You acknowledge that providing personal data is at your own risk.
If you find a security issue, you agree to inform us immediately by contacting the Fortinvo Security Team at [email protected]. You also agree not to disclose the issue until we’ve resolved it, unless required by law.
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Fortinvo has security measures in place, but no one is 100% hack-proof. Your data is provided at your own risk.
If you learn of any security breach, unauthorized disclosure, privacy compromise, or loss of personal information, you must notify Fortinvo immediately, subject to any confidentiality obligations or legal duties to limit dissemination.
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If there’s a data breach, let us know right away.
We are responsible for the security of Cardholder Data that is collected, transmitted, stored, or processed on your behalf. Fortinvo Financial has strict security features in place to protect this data, and it must only be used and stored in appropriate ways.
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Follow strict guidelines for handling credit card information (PCI-DSS rules). Only input data when specifically requested by Fortinvo.
You acknowledge and agree that you are prohibited from entering Cardholder Data into any fields in Fortinvo except those designated for such purposes (e.g., labeled "card number"). It is not allowed to store Cardholder Data in fields like ‘memo’ or ‘note,’ and CVV2 data should never be entered outside payment forms. You take responsibility for any Cardholder Data entered into Fortinvo that violates this Agreement.
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Don’t enter Cardholder Data (credit card numbers or sensitive financial info) unless it’s explicitly requested by Fortinvo. We’re not responsible for incorrect data handling.
You own all of the private data, content, and information you enter into the Services. We don’t claim ownership of your data. However, there are circumstances where we may have to disclose your information:
If we need to disclose your information, we’ll make efforts to notify you (if permitted by law) and allow you to challenge the request.
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You own your data. We won’t disclose it except in cases like these:
We’ll notify you when possible and let you challenge it.
You acknowledge that we may process your information outside Ontario and Canada, as we outsource some processing to third parties in the U.S. As a result, your information may be available to U.S. authorities under lawful orders. Additionally, some employees may access your information from locations outside Canada and the U.S. We do not share personal information except as stated in our Privacy Policy..
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Sometimes, we use third-party services based in the U.S., and employees might access data from locations outside of Canada and the U.S. Check our Privacy Policy for more details.
To the fullest extent permitted under applicable law, you and all users hereby agree to release, remise and forever discharge the Fortinvo parties from any and all manner of rights, losses, costs, claims, complaints, demands, debts, damages, causes of action, proceedings, liabilities, obligations, legal fees, or costs of any nature or kind (collectively, a "claim") whether known or unknown, which now or hereafter arise from, relate to, or are connected in any manner whatsoever with this agreement or the use, or inability to use, Fortinvo or the services including, but not limited to, (i) third-party services; (ii) viruses, spyware, service provider failures or internet access interruptions; or (iii) loss of data, error, inaccuracy of data, payment failure, payment defect, inaccurate calculations (except as otherwise set out herein), downtime, identity theft, fraud or unauthorized access regardless of whether any such claim is based in contract or tort or otherwise and notwithstanding the sufficiency or insufficiency of any remedy provided for herein or in any license.
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This section is important because it limits Fortinvo's liability as much as possible. Read it carefully—it essentially protects Fortinvo from a wide range of potential claims and issues.
2. Exclusion of Damages
To the fullest extent allowed by applicable law, Fortinvo parties will not be liable to you, any users, or any third parties for any lost profits or any indirect, consequential, exemplary, incidental, special, or punitive damages arising from or related to this agreement or your use of, or inability to use, Fortinvo or the services, even if Fortinvo parties have been advised of the possibility of such damages, regardless of whether the claim is based in contract, tort, or otherwise. your access to and use of Fortinvo and the services are at your own risk, and you are solely responsible for any damage, misuse, error, or loss of data resulting from such access and use.
some jurisdictions, including New Jersey in the United States, do not allow the exclusion or limitation of incidental or consequential damages. if you live in one of these jurisdictions, this limitation does not apply to you.
other than as expressly set forth in this agreement and to the fullest extent permitted by applicable law, the Fortinvo parties disclaim all warranties, express or implied, with respect to Fortinvo or the services. this includes the exclusion of implied warranties such as non-infringement, merchantability, and fitness for a particular purpose from your use of Fortinvo and the services.
some jurisdictions, including New Jersey, do not allow exclusions or limitations of implied warranties. if you live in one of these jurisdictions, the limitations will not apply, and implied warranties are limited in duration to the minimum allowed by law.
you and all users acknowledge and agree that Fortinvo and the services are provided "as is" and that you use them at your own risk. you agree to assess whether Fortinvo and the services meet your needs and verify the results you obtain using them.
the parties agree that the core purposes of this agreement can still be fulfilled with these liability limitations in place, and you recognize that Fortinvo Financial could not provide the services economically without these limitations.
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Fortinvo is provided "as is," and our liability is limited to the specific areas we clearly outline. we won’t be liable for indirect damages such as lost profits. you use the service at your own risk.
1. Your Right to Terminate
You may terminate your account, this Agreement, and your use of Fortinvo at any time by following the “Close your Fortinvo Account” instructions found on your account page. Upon termination, you must stop using Fortinvo immediately. We may block your access to Fortinvo at our discretion. Termination of your use will also end this Agreement. The Arbitration Provision remains in effect after termination.
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You have the right to close your account anytime.
2. Our Right to Terminate
Fortinvo Financial may terminate your account, this Agreement, and your access to Fortinvo at any time and for any reason, with or without notice, if you breach this Agreement or if we suspect fraud or compromise of your account.
Fortinvo Financial can also terminate your account if you:
(i) Become insolvent or admit an inability to pay debts;
(ii) Become involved in bankruptcy or insolvency proceedings that are not resolved within a specified period;
(iii) Are dissolved or liquidated;
(iv) Assign assets for creditors’ benefit; or
(v) Have a court-appointed agent take charge of your assets.
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We may close your account if you violate the agreement or if we suspect fraudulent activity.
3. Termination Consequences
Upon termination for any reason, you agree:
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Even if your account is terminated, you’ll still be bound by the terms of this agreement.
4. Effect of Termination
We are not liable for any compensation or damages in relation to the termination or suspension of the Service. Any termination does not release you from obligations to pay fees or other amounts owed to Fortinvo before the termination. The Arbitration Provision continues to apply after termination.
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We’re not responsible for any financial consequences when an account is terminated. You still owe us any outstanding fees.
These Communications may include:
Additionally, you consent to receive text messages to the phone number associated with your account for the purposes of:
You agree to these text messages, acknowledging that message and data rates may apply.
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We’ll communicate with you electronically via text, email, or website postings. To ensure your account’s security, we might send you text messages with security codes for authentication.
It’s important that you retain copies of these Communications, as they may not always be accessible in your Fortinvo account.
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By accepting, you agree to receive communications via email or online. We’ll consider these communications received 24 hours after being sent. An e-signature is just as binding as a physical one. We recommend downloading and saving copies.
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If you want to stop receiving electronic communications, you can opt out, but this may affect your ability to use our services, and we may charge for paper copies.
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If you want hard copies of any communications, let us know, and we’ll send them by mail. There may be a fee for this service.
You can update your contact details by logging into your Fortinvo account. If your email or phone number becomes invalid and prevents us from reaching you, Fortinvo may close your account, and you won’t be able to use the service until you provide a valid contact.
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Keep your email and phone number current. If we can’t reach you due to outdated contact details, we’ll assume you’ve received our communications. You can update your details anytime.
While using Fortinvo or the Services, you may encounter links to third-party websites or services, or features powered by third-party APIs, such as Google. Fortinvo does not endorse, guarantee, or make representations about the quality, accuracy, or suitability of these third-party services. If these services or APIs are no longer available, we may discontinue certain features of the Service without providing refunds or compensation. Your only recourse is to close your account and cease using Fortinvo and the Services.
You acknowledge that these third-party services are independent of Fortinvo, and we do not control them. Therefore, we are not liable for any issues arising from your use of such third-party services. Using third-party products or services is at your own risk, and they are subject to the third-party provider’s terms and conditions.
If you grant us permission, we may share some of your private data with third-party services via our API. However, we may stop providing this access at any time, without notice or compensation, and your only option will be to close your account.
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If you click on a third-party link or use a service relying on external APIs, we’re not responsible for their actions or services. If we stop using their services, we won’t provide compensation.
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If you're in the U.S., the law of your state applies to this Agreement, except for the Arbitration Provision. If you're elsewhere, the laws of Ontario and Canada apply.
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This Agreement overrides any previous agreements you've made with us.
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You can't assign this Agreement to anyone else, but we can.
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We can change this Agreement, and we'll give you reasonable notice. If you keep using the service, it means you accept the new version. You can't make changes without our written approval.
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Some parts of this Agreement continue to apply even after your account is closed.
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If one term is invalid, the rest of the terms stay in effect, unless otherwise stated.
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The remedies here don't replace other legal solutions you might have.
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Just because we don't act on a right or waive something once doesn't mean we waive it forever. Waivers must be in writing.
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If something beyond our control, like a disaster, prevents us from providing the service, we are not responsible.
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The section titles are just for ease and don’t impact the legal meaning.
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We conduct business in English, and all documents are in English.
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We’re Fortinvo Financial Inc., a Canadian company, and everything related to Fortinvo is owned by us.
Some of the content on Fortinvo may be contributed by users. You agree not to infringe upon other people's copyrighted materials.
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You agree not to violate other people's copyrights.
If you believe your copyrighted work has been infringed and is accessible through Fortinvo, you can notify Fortinvo Financial’s copyright agent according to the Digital Millennium Copyright Act of 1998 (DMCA). To file a claim, contact us at:
Email: [email protected]
Mail:
Attention: Copyright Agent (DMCA)
Fortinvo Financial Inc.
London, New area
road-55, England
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If someone is infringing on your copyright, let us know.
If content you posted on Fortinvo has been removed, you may submit a counter-notification to Fortinvo Financial’s copyright agent. The counter-notification must include:
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If we remove content that belongs to you and you want it reinstated, follow these steps.
Important:
Providing false information or misrepresenting yourself as the rightful copyright owner may result in liability for damages, costs, and attorney’s fees, as well as potential criminal prosecution for perjury.
Fortinvo will terminate the accounts of users who repeatedly infringe copyrights. If you believe a user is a repeat infringer, notify our copyright agent with sufficient details to identify them.
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Filing a false claim has consequences.
This section affects your rights. Please read it carefully before agreeing to these terms.
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By agreeing to this, you waive your right to a jury trial and to participate in a class action.
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This section explains how disputes will be resolved through individual arbitration, not lawsuits or class actions.
If you choose to allow Fortinvo to access information from a third-party account by providing the necessary access details, our service provider, Plaid Inc. ("Bank Data Provider"), will retrieve the required information to provide the Services. This may involve aggregating bank transaction data and verifying account details. By supplying your access information to Fortinvo, you authorize us and our Bank Data Providers to access the relevant third-party accounts on your behalf (or the principal account holder) and collect the necessary data to offer the Services. You also agree to comply with the terms of use of our Bank Data Provider, in addition to the terms of this Agreement. You are not permitted to provide Fortinvo access information for third-party accounts unless you are the principal account holder or have authorization to act on their behalf.
We are not required to verify the information provided, including its accuracy. It is your responsibility to ensure the information provided to us or any third-party service providers is accurate, complete, and timely.
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By linking your bank account to Fortinvo, you're allowing us (and our partner) to access your bank data to deliver the Services.
Some Additional Services you use may be subject to specific additional terms of service (the "Specific Additional Service Terms" mentioned in the recitals at the beginning of this Agreement). If you use any services listed on our Legal Disclosures page, the corresponding Specific Additional Service Terms will apply. If there is any conflict between these terms and the Specific Additional Service Terms, the Specific Additional Service Terms will take precedence.
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As we continue to grow with small businesses like yours, we’ve created separate rules for some of our other products and services. You can find these on our Legal Disclosures page. Keep reading – you’re doing great!