Updated: June 7, 2024
Permalink: https://fintellect.io/ease/terms
These Terms of Use (“Terms”) are a contract between you (“you”, “your”, or “user”) and Fintellect Inc. (“Fintellect”, “our”, “we” or “us”). They govern your use of Ease ("Ease", "the Service", "the Services", "the Application") and our storage and processing of your financial data on your behalf.
These Terms are presented to the user the first time they use Ease.
Accepting the Terms
You are being asked to agree to these legally binding agreements:
- Ease Terms of Use (this document)
- Fintellect Privacy Policy
Therefore, we encourage you to read both documents thoroughly and carefully.
By using the Service, you expressly:
- Acknowledge that you have read all of these terms;
- Agree and consent to the terms;
- Represent and warrant that you are authorized to enter into this binding contract;
- Agree to be bound by the terms, including the disclaimer of warranty and limitations on remedies and damages; and
- Agree to be liable for any noncompliance with these terms.
By using the Service, you agree to be bound by all of these Terms. If you don’t agree to all of the Terms, do not click the "I agree to These Terms" button, and do not access or use Ease.
IMPORTANT NOTICE REGARDING ARBITRATION: WHEN YOU AGREE TO THESE TERMS YOU ARE AGREEING TO RESOLVE ANY DISPUTE BETWEEN YOU AND FINTELLECT THROUGH BINDING, INDIVIDUAL ARBITRATION RATHER THAN IN COURT. PLEASE REVIEW CAREFULLY “DISPUTE RESOLUTION” SECTION BELOW FOR DETAILS REGARDING ARBITRATION.
Privacy Policy
Please refer to our Privacy Policy available at https://fintellect.io/privacy for information on how we collect, use and disclose information from our users. You acknowledge and agree that your use of the Services is subject to our Privacy Policy.
Changes to Terms or Service
We may update the Terms at any time, at our sole discretion. If we make material changes to the Terms, all active Ease users will be notified the next time they use Ease. Continued use of Ease will require accepting the changes to our Terms of Use. It’s important that you review the Terms whenever we update them as they govern your use of the Services. The changes will not be retroactive, and if you continue to use the Services after we have posted updated Terms, you are agreeing to be bound by the updated Terms. If you don’t agree to be bound by the updated Terms, then you may not use the Services anymore. Because our Services are evolving over time we may change or discontinue all or any part of the Services, including the types of subscription plans we offer and the pricing for such plans, at any time, at our sole discretion.
The latest version of our Ease Terms of Use will always be posted at https://fintellect.io/ease/terms.
Description of Services
Ease is a personal finance management application and service provided by Fintellect Inc., which helps you track your bank accounts, credit card accounts, cash, income and expenses, and other information. It allows you to create a Subscription ("Subscription"), which holds all of the data you add to it. Some Subscription plans allow you to add multiple users ("Authorized Users") to your Subscription, so that each user may view or update the Subscription data, depending on the permissions you grant. The data you store in your Subscription is private to you and any other users that you add to the Subscription, as described further in our Privacy Policy.
The Service provided by Ease is not intended to provide legal, tax, or financial advice. Ease is not a financial planner, broker or tax advisor. The Service is intended to assist you in organizing your financial and account information and is broad in scope. You should not rely on the information provided in the Service when making financial decisions, but instead you should consult with your accountant or other financial professional who is fully aware of your circumstances before making any decisions concerning your finances.
User Responsibilities
You are solely responsible for:
- maintaining the confidentiality and security of your login information, passwords, and any other security or access information used by you or anyone you authorize on your behalf to access the Services (collectively, “Login Information”),
- maintaining accurate account contact information and billing information, which is necessary to pay for your subscription and for us to notify you about problems with the service or your payments,
- preventing unauthorized access to or use of information, files, financial information or account data, that is stored or used in or with the Services (collectively, "Subscription Data”),
- all device security including but not limited to: physical security, using current and supported devices, secure device logins, keeping the operating system and browser updated with current security patches and protections,
- all electronic communications, including account holder information, email and financial, accounting and other data entered into the Service (“Communications”), and
- any and all activities involving or effecting your financial information and accounts uploaded to the Service.
Fintellect shall assume that any Communications received through use of the Login Information were sent or authorized by you. You agree to immediately notify Fintellect if you become aware of any loss, theft or unauthorized use of any Login Information. We reserve the right to deny you access to the Services (or any part thereof) if we reasonably believe that any loss, theft or unauthorized use of Login Information has occurred.
Data Ownership
Definitions:
"Subscription Data" means the data you store in an Ease Subscription - for example: accounts, transactions, receipts, and account balances. You add this data by typing it in, uploading files, or optionally by connecting to your banks via Bank Integration to enable us to automatically deliver bank data into your Subscription.
"Product Use Data" means anonymous data that tracks user and system actions and behavior, in sufficient detail to identify problems, verify security, guide improvements, inform customer support representatives, and to compile statistical and performance information related to the health and operation of the Services. Product Use Data does not identify you or any Authorized Users.
"User Management Data" means information about your user account and subscriptions, including payment information and customer support interactions.
Ownership:
Subscription Data is private to you and cannot be accessed by Fintellect employees. Fintellect does not claim any ownership rights in any Subscription Data and nothing in these Terms will be deemed to restrict any rights that you may have to use your Subscription Data.
Product Use Data and User Management Data are owned by Fintellect. When you delete all of your subscriptions and delete your user account, all personally identifiable information about you is removed from our systems.
If you request customer support or other assistance from Fintellect or Ease you agree that we are authorized to access and view your User Management Data and Product Use Data to provide such assistance and support.
Subject to the foregoing, Fintellect exclusively owns all right, title and interest in and to the Services and Application, including all associated intellectual property rights. You acknowledge that the Services and Application are protected by copyright, trademark, and other laws of the United States and foreign countries. You agree not to remove, alter or obscure any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying the Services or Application. As between Fintellect and you, all right, title and interest in the Product Use Data and all intellectual property rights therein, belong to and are retained solely by Fintellect. Fintellect may use such information to the extent and in the manner it deems fit including without limitation, as required by applicable law or regulation and for purposes of data gathering, analysis, service enhancement, service improvement, and marketing.
Private Beta
Ease is currently in Private Beta, which means it is prerelease software, is incomplete and is only for use by invited individuals. You agree to keep any nonpublic information about Ease confidential until Ease is publicly available. You also agree not to post reviews about Ease in its prerelease state.
You understand that any Beta Services and their features and functionality are still under development, may be inoperable or incomplete and are likely to contain more errors and bugs than generally available Services. We make no promises that any Beta Services will ever be made generally available. All information regarding the characteristics, features or performance of any Beta Services, and any communication that we may engage in with you relating to the Beta Services, constitutes our Confidential Information, and may not be disclosed to any third party without our written permission. To the maximum extent permitted by applicable law, we disclaim all obligations or liabilities with respect to Beta Services.
Your use of the Ease Private Beta is free to you. When Ease is publicly available, it will become a paid service. If you choose to continue using Ease after it is publicly available, your Subscription will become a normal paid Subscription.
User Risks
Fintellect is not responsible for and make no warranties that your equipment or software is or will continue to be compatible with the use of Ease.
Data and information provided by the Service is provided for informational purposes only, and is not intended for trading or transactional purposes. You agree that we are not liable for any errors or delays in the content, or for any actions taken in reliance on the data or information available in the Service. The services which you may be able to access through the Service are services of the financial institutions you add to Ease. The Service provides links to selected institutions for your convenience only. We do not endorse or recommend the services of any institution. The third party institution you select is solely responsible for its services to you. We are not liable for any damages or costs of any type arising out of or in any way connected with your use of the services of the institution. You may also add information into Ease for accounts which are not linked to the Service. In such case, you are solely responsible for the accuracy of such information.
If your Login Information is stolen or compromised, the data you have stored in Ease may be accessed by the party with your Login Information.
Confidentiality and Feedback
Confidentiality. “Confidential Information” means all information disclosed by us to you, whether orally or in writing, that is designated as confidential or that reasonably should be understood to be confidential given the non-public nature of the information and the circumstances of disclosure. Fintellect’s Confidential Information may include, but is not limited to, the Services and Beta Services (as defined above). You will use a reasonable degree of care to protect the Confidential Information. You will not use any Confidential Information for any purpose outside the scope of these Terms or disclose Confidential Information to any third party.
Feedback. We welcome feedback, comments and suggestions for improvements to the Services (“Feedback”). You can submit Feedback by emailing us at
Subscriptions and Payments
Fintellect may provide the Services for free, or it may require you to pay for the Services based on the plan you have chosen. You will be liable to pay Fintellect in accordance with your Subscription Plan.
General. When you purchase a subscription (“Subscription”), you expressly authorize us (or our third-party payment processor) to charge you for the term of your Subscription each time your payment is due in accordance with your Subscription Plan (each, a “Transaction”). We may ask you to supply additional information relevant to your Transaction, including your credit card number (or other payment information), the expiration date of your credit card and your email and postal addresses for billing and notification (such information, “Payment Information”). You represent and warrant that you have the legal right to use all payment method(s) represented by any such Payment Information. When you initiate a Transaction, you authorize us to provide your Payment Information to third parties so we can complete your Transaction and to charge your payment method for the type of Transaction you have selected (plus any applicable taxes and other charges). You may need to provide additional information to verify your identity before completing your Transaction (such information is included within the definition of Payment Information).
Subscriptions. If you purchase a Subscription, you will be charged the monthly or annual (as applicable) Subscription fee, plus any applicable taxes, and other charges (“Subscription Fee”), at the beginning of your Subscription and each month or year (as applicable) thereafter, at the then-current Subscription Fee. Similarly, if you agree to a Subscription Fee, that will remain your price for the duration of the Subscription period; however, prices are subject to change at the end of a Subscription period. If you purchase a Subscription, we (or our third-party payment processor) will automatically charge you each month or year on the anniversary of the commencement of your Subscription, using the Payment Information you have provided until you cancel your Subscription. By agreeing to these Terms and electing to purchase a Subscription, you acknowledge that your Subscription has recurring payment features and you accept responsibility for all recurring payment obligations prior to cancellation of your Subscription by you or Fintellect. Your Subscription continues until canceled by you or we terminate your access to or use of the Services or Subscription in accordance with these Terms. If you change your Subscription Plan, you expressly authorize us (or our third party processor) to charge your credit card on file for the pro-rated Subscription Fee corresponding to the price of the new plan for the remainder of your Subscription term.
Effect of Termination on Subscription. Our general policy is that YOUR PURCHASE IS FINAL AND YOU WILL NOT BE ABLE TO CANCEL THE PURCHASE AND/OR RECEIVE A REFUND OF YOUR SUBSCRIPTION FEE AT ANY TIME. In addition, if something unexpected happens in the course of completing a Transaction, we reserve the right to cancel your Transaction or terminate your access to Services to address such payment issue; if we cancel your Transaction or your access to Services, we’ll refund any pro-rated payment you have already remitted to us for such Transaction or access to Services. Upon such cancellation, we will: (i) terminate your access to the Services and (ii) cease billing for all Subscription Fees, in each case at the end of the then-current Subscription period. EXCEPT AS SET FORTH ABOVE, YOU WILL NOT RECEIVE A REFUND OF ANY PORTION OF THE SUBSCRIPTION FEE PAID FOR THE THEN-CURRENT SUBSCRIPTION PERIOD AT THE TIME OF CANCELLATION. You will be responsible for all Subscription Fees (plus any applicable taxes and other charges) incurred for the then-current Subscription period.
Evaluations, Trials, and Betas. We may offer certain Services to you at no charge, including trial use and beta versions (“Beta Services”). Your use of Beta Services is subject to any additional terms that we specify and is only permitted during the term we designate (or, if not designated, until terminated in accordance with these Terms). These Terms fully apply to Beta Services and we may modify or terminate your right to use Beta Services at any time and for any reason in our sole discretion, without liability to you.
Restrictions
You shall not, directly or indirectly, and shall not permit any Authorized User or third party to:
Misuse Internet-based services. You may not use any Internet-based service in any way that could harm it or impair anyone else’s use of it or the wireless network. You may not use the service to try to gain unauthorized access to any service, data, account, or network by any means;
Work around any technical limitations in the Application or Service;
Reverse engineer, decompile, or disassemble or otherwise attempt to discover the source code or underlying ideas or algorithms of the Services, except and only to the extent that applicable law expressly permits, despite this limitation.
Rent, lease, distribute, sell, resell, assign, or otherwise transfer your rights to use the Services;
Transfer the application or this agreement to any third party.
Remove any proprietary notices from Fintellect materials furnished or made available to you;
Use the Services for any purpose other than its intended purpose. You agree that you will be directly responsible and liable to us for: (i) ensuring that your Authorized Users agree to, and comply with, our Terms, and (ii) any violation of these Terms or applicable law by any Authorized User.
Disclaimer of Warranties
The Service is licensed “as is,” “with all faults,” and “as available.” You bear the entire risk as to its quality, safety, and performance. Should it prove defective, you assume the entire cost of all necessary remedies. Fintellect and our affiliates, vendors, agents, and suppliers (“Covered Parties”), gives no express warranties, guarantees, or conditions in relation to the Service. You may have additional consumer rights under your local laws that this agreement can't change. To the extent permitted under your local laws, Covered Parties exclude any implied warranties or conditions, including those of merchantability, fitness for a particular purpose, safety, comfort, and non-infringement. If your local laws impose a warranty, guarantee or condition even though these terms do not, its duration is limited to 90 days from when you first use the Service.
Limitation on and Exclusion of Remedies and Damages
To the extent not prohibited by law, if you have any basis for recovering damages, you can recover from Fintellect only direct damages up to the amount you have paid to Fintellect for use of the Services during the three (3) months preceding the claim from which the liability arose, or ten dollars ($10) if you have not had any payment obligations to Fintellect, as applicable. You will not, and waive any right to, seek to recover any other damages, including lost profits and consequential, special, direct, indirect, or incidental damages; or legal fees; from Fintellect.
This limitation applies to:
- Anything related to the Application or the Services made available through the Application; and
- Claims for breach of contract, warranty, guarantee or condition; strict liability, negligence, or other tort; violation of a statute or regulation; unjust enrichment; or under any other theory; all to the extent permitted by applicable law.
It also applies even if:
- This remedy doesn’t fully compensate you for any losses; or
- Fintellect knew or should have known about the possibility of the damages.
Termination of Service
Fintellect may at any time terminate your access to the Service for any reason, including:
- You have breached a provision of these Terms, including the Fintellect Privacy Policy, or have acted in a manner which shows you do not intend to or are unable to comply with provisions of these Terms and/or the Fintellect Privacy Policy;
- We are required to do so by law;
- We have deemed the Service no longer commercially viable.
Governing Law and Forum Choice
These Terms and any action related thereto will be governed by the Federal Arbitration Act, federal arbitration law, and the laws of the State of Washington, without regard to its conflict of laws provisions. The exclusive jurisdiction for all Disputes (defined below) that you and Fintellect are not required to arbitrate will be the state and federal courts located in the State of Washington, and you and Fintellect each waive any objection to jurisdiction and venue in such courts.
In general, the laws of the State of Washington apply.
Dispute Resolution
Mandatory Arbitration of Disputes. We each agree that any dispute, claim or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation or validity thereof or the use of the Services or Content (collectively, “Disputes”) will be resolved solely by binding, individual arbitration and not in a class, representative or consolidated action or proceeding. You and Fintellect agree that the U.S. Federal Arbitration Act governs the interpretation and enforcement of these Terms, and that you and Fintellect are each waiving the right to a trial by jury or to participate in a class action. This arbitration provision shall survive termination of these Terms.
Exceptions and Opt-out. As limited exceptions to Section 15(a) above: (i) you may seek to resolve a Dispute in small claims court if it qualifies; and (ii) we each retain the right to seek injunctive or other equitable relief from a court to prevent (or enjoin) the infringement or misappropriation of our intellectual property rights.
Conducting Arbitration and Arbitration Rules. The arbitration will be conducted by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules (the “AAA Rules”) then in effect, except as modified by these Terms. The AAA Rules are available at www.adr.org or by calling 1-800-778-7879. A party who wishes to start arbitration must submit a written Demand for Arbitration to AAA and give notice to the other party as specified in the AAA Rules. The AAA provides a form Demand for Arbitration at www.adr.org.
Class Action Waiver. YOU AND FINTELLECT AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, if the parties’ dispute is resolved through arbitration, the arbitrator may not consolidate another person’s claims with your claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this Dispute Resolution section shall be null and void.
Severability. With the exception of any of the provisions in Section 15(d) of these Terms (“Class Action Waiver”), if an arbitrator or court of competent jurisdiction decides that any part of these Terms is invalid or unenforceable, the other parts of these Terms will still apply.
Contact Information
If you have any questions about these Terms or the Services, please contact us at