This Terms of Service Policy was last updated on January 26, 2015.

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY ACCESSING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS OF SERVICE BELOW. THESE TERMS OF SERVICE ARE SUBJECT TO CHANGE. ANY CHANGES WILL BE INCORPORATED INTO THE TERMS OF SERVICE POSTED TO THIS WEBSITE FROM TIME TO TIME. IF YOU DO NOT AGREE WITH THESE TERMS OF SERVICE, YOU MAY NOT ACCESS THIS WEBSITE.

Access and use of the service.

By using the information, tools, software, features and functionality including content, updates and new releases located on truelinkfinancial.com (together the “Service”), you agree to be bound by this Agreement, whether you are a “Visitor” (which means that you simply browse the website) or you are a “User” (which means that you have created an account with True Link Financial). The term “you” refers to a Visitor or a User. The terms “we” and “us” refer to True Link Financial. If you wish to become a User, and make use of the Service, you must read this Agreement and indicate your acceptance during the Application process.

You may not use the Service and you may not accept this Agreement if you are not of a legal age to form a binding contract with True Link Financial.

If you accept this Agreement, you represent that you have the capacity to be bound by it or if you are acting on behalf of a company or entity that you have the authority to bind such entity. Before you continue, you should print or save a local copy of this Agreement for your records.

Unauthorized use of True Link Financial’s Websites and systems, including but not limited to unauthorized entry into True Link Financial's systems, misuse of passwords, or misuse of any information posted to a site, is strictly prohibited.

You acknowledge that True Link Financial may disclose and transfer any information that you provide through this Website to (i) True Link Financial and its affiliates agents or information providers; (ii) to any other person or entity with your consent; or (iii) if we have a right or duty to disclose or are permitted or compelled to so disclose such information by law. You consent to the transmission, transfer or processing of such information to, or through, any country in the world, as we deem necessary or appropriate, and by using and providing information through this Website you agree to such transfers. Use of this Website, including any patterns or characteristics concerning your interaction with it, may be monitored, tracked and recorded. Anyone using this Website expressly consents to such monitoring, tracking and recording.

You agree not to attempt to log on to the Website from any country under sanctions by the Office of Foreign Assets Control (OFAC). Information regarding which countries are under sanctions may be obtained on the U.S. Department of the Treasury website. Any attempt to log on to the Website from one of these countries may result in your access being restricted and/or terminated.

Accounts.

During the application process you will be asked to use or create a unique password for future use of our Websites. You are responsible for maintaining the confidentiality of the password and account, and are fully responsible for all activities that occur under that password. By logging into the Websites, you represent and warrant that: (i) you are the customer who registered for the Service; (ii) you are using the Service only for permitted purposes; (iii) you have the authority to use any financial institution account information (“Account Information”) provided to the “Service; (iv) you will immediately notify us of any unauthorized use of the password or account or any other breach of security; (v) you are not a competitor of True Link Financial, or agent thereof; and (vi) you will properly exit from your account at the end of each session. Please notify us at legal@truelinkfinancial.com of any potential unauthorized or misuse(s) of your account, or breach of security.

You represent and warrant that: (i) you will not select or utilize a user name (in the form of an email address) of another person with intent to impersonate that person; (ii) you will not select or utilize a user name in which another person has rights, if you do not have that person’s authorization to use such name; and (iii) you will not select or utilize a user name that True Link Financial in its sole discretion deems offensive.

You agree to provide and maintain true, accurate, current and complete information about yourself as prompted by the account’s registration form.

Alerts.

True Link Financial may from time to time provide automatic alerts and voluntary account-related alerts.

Automatic alerts may be sent to you following certain changes made online to your True Link Financial account, such as a change in your Registration Information.

Voluntary account alerts may be turned on by default as part of the Service. They may then be customized, deactivated or reactivated by you. These alerts allow you to choose alert messages for your accounts. True Link Financial may add new alerts from time to time, or cease to provide certain alerts at any time upon its sole discretion. Each alert has different options available, and you may be asked to select from among these options upon activation of your alerts service.

Electronic alerts will be sent to the email address you have provided as your primary email address for your account. If your email address or your mobile device’s email address changes, you are responsible for informing us of that change. You can also choose to have alerts sent to a mobile device that accepts text messages. Changes to your email address or mobile number will apply to all of your alerts.

Because alerts are not encrypted, we will never include your passcode. However, depending upon which alerts you select, information such as an account balance or specific transaction amounts may be included. Anyone with access to your email will be able to view the content of these alerts. At any time you may disable future alerts.

Access and interference.

You agree that you will not:

  • Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor truelinkfinancial.com or any portion of truelinkfinancial.com, without True Link Financial’s express written consent, which may be withheld in True Link Financial’s sole discretion;
  • Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search truelinkfinancial.com, other than the search engines and search agents available through the Service and other than generally available third-party web browsers (such as Microsoft Explorer);
  • Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of truelinkfinancial.com or the Service; or
  • Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of truelinkfinancial.com or the Service.

Links to other websites.

Our Websites may contain links to other sites operated by third parties. True Link Financial has no control over third-party sites, is not responsible for the content, accuracy or opinions expressed on such sites, cannot guarantee the content of such sites is accurate, legal, and/or inoffensive, and in no way investigates, monitors or checks such sites. Inclusion of any linked website on our Websites does not imply approval or endorsement of the linked third-party sites by True Link Financial, and we do not warrant that they do not contain viruses or other features that may harm your computer. WHEN YOU ACCESS THIRD-PARTY SITES, YOU DO SO AT YOUR OWN RISK. If you use our Websites to link to a third-party site, you understand and agree that you may not make any claim against us for any damages or losses resulting from linking to and/or using said site. If you have a problem with a link from our site, however, please notify us at legal@truelinkfinancial.com.

Rights you grant to us.

By submitting information, data, passwords, usernames, PINs, other log-in information, materials, and other content to or through the Service, you are licensing that content to True Link Financial and its service providers solely for the purpose of providing the Service. True Link Financial and its service providers may use and store the content, but only to provide the Service to you. By submitting this content, you represent that you are entitled to submit it to us for this purpose.

By using the Service, you expressly authorize True Link Financial and its service providers to access Account Information maintained by identified third parties, on your behalf as your agent. When you use the “Add Accounts” feature of the Service, you will be connected to the website for the third party you have identified. We will submit information including usernames and passwords that you provide to log you into the site. You hereby authorize and permit True Link Financial and our service providers to use and store information submitted by you to the Service (such as account passwords and user names) to accomplish the foregoing and to configure the Service so that it is compatible with the third party sites for which you submit your information. For purposes of this Agreement and solely to provide the Account Information to you as part of the Service, you grant True Link Financial and our service providers a limited power of attorney, and appoint True Link Financial and our service providers as your attorney-in-fact and agent, to access third party sites, retrieve and use your information with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN TRUE LINK FINANCIAL AND OUR SERVICE PROVIDERS ARE ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD PARTY SITES, TRUE LINK FINANCIAL AND OUR SERVICE PROVIDERS ARE ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY. You understand and agree that the Service is not sponsored or endorsed by any third parties accessible through the Service.

Account information from third-party sites.

With the Service, Users may direct True Link Financial to retrieve information from third-party financial institutions regarding online accounts they maintain for Users provided that Users are authorized to access these accounts or engage in financial transactions using them. True Link Financial works with one or more online financial service providers to access this account information.

True Link Financial does not review the account information for accuracy, legality or non-infringement. True Link Financial and its service providers are not responsible for the products and services offered by or on third-party sites.

True Link Financial cannot always foresee or anticipate technical or other difficulties, which may result in failure to obtain data or loss of data, personalization settings, or other service interruptions. True Link Financial cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store any user data, communications, or personalization settings. For example, when displayed through the Services, Account Information is only as fresh as the time shown, which reflects when the information is obtained from such sites. Such information may be more up-to-date when obtained directly from the relevant sites.

Feedback.

We welcome all comments, feedback, information, or materials (“Feedback”), which you submit to us by email or otherwise through or in conjunction with our Websites. Please note that Feedback shall be considered non-confidential and become the property of True Link Financial. By submitting Feedback to us, you agree to a no-charge assignment to us of all right, title, and interest in copyrights and other intellectual property rights on a worldwide basis to the Feedback. We are free to use Feedback on an unrestricted basis.

Copyright notices.

The works of authorship contained in the truelinkfinancial.com Website (the "Website"), including but not limited to all design, text, sound recordings, and images, are owned, except as otherwise expressly stated, by True Link Financial. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use, or otherwise used in whole or in part in any manner without True Link Financial's prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of True Link Financial's proprietary rights provided that you may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded.

The absence of a trademark, trade name, or service mark does not constitute a waiver of our intellectual property rights concerning that trademark, trade name, or service mark. All trade names, trademarks, or service marks are property of their respective owners. The use of any of our trade names, trademarks, or service marks without our express written consent is strictly prohibited. If you have any questions, you may contact us at legal@truelinkfinancial.com.

Web content and materials.

The information on this Website is for information purposes only. It is believed to be reliable, but True Link Financial does not warrant its completeness, timeliness, or accuracy.

The information and materials contained in this Website – and the Terms of Service of the access to and use of such information and materials – are subject to change without notice. Products and services described, as well as associated fees and charges, may differ among geographic locations. Not all products and services are offered at all locations.

You agree that (i) you will not engage in any activities related to the Website that are contrary to applicable law, regulation or the terms of any agreements you may have with True Link Financial, and (ii) in circumstances where locations of the Website require identification for process, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals.

TRUE LINK FINANCIAL OR ITS SUPPLIERS MAY DISCONTINUE OR MAKE CHANGES IN THE INFORMATION, PRODUCTS, OR SERVICES DESCRIBED HEREIN AT ANY TIME WITHOUT PRIOR NOTICE TO YOU AND WITHOUT ANY LIABILITY TO YOU. ANY DATED INFORMATION IS PUBLISHED AS OF ITS DATE ONLY, AND TRUE LINK FINANCIAL DOES NOT UNDERTAKE ANY OBLIGATION OR RESPONSIBILITY TO UPDATE OR AMEND ANY SUCH INFORMATION. TRUE LINK FINANCIAL RESERVES THE RIGHT TO TERMINATE ANY OR ALL WEBSITE OFFERINGS OR TRANSMISSIONS WITHOUT PRIOR NOTICE TO THE USER. FURTHERMORE, BY OFFERING THIS WEBSITE AND INFORMATION, PRODUCTS OR SERVICES VIA THIS WEBSITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY TRUE LINK FINANCIAL TO ANY PERSON TO USE THE WEBSITE OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THE WEBSITE AND SUCH INFORMATION, PRODUCTS OR SERVICES IS PROHIBITED BY LAW.

Potential disruption of service.

Access to the Website may from time to time be unavailable, delayed, limited, or slowed due to, among other things:

  • Hardware failure, including among other things, failures of computers (including your own computer), servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment
  • Software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content
  • Overload of system capacities
  • Damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters
  • Interruption (whether partial or total) of power supplies or other utility of service
  • Strike or other stoppage (whether partial or total) of labor
  • Governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention
  • Any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of True Link Financial

LIMITATION OF LIABILITY

BECAUSE OF THE POSSIBILITY OF HUMAN AND MECHANICAL ERROR AS WELL AS OTHER FACTORS, THE WEBSITE (INCLUDING ALL INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE) IS PROVIDED "AS IS" "AS AVAILABLE". TRUE LINK FINANCIAL AND THIRD PARTY DATA PROVIDERS ARE NOT PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THE WEBSITE. TRUE LINK FINANCIAL AND THIRD PARTY DATA PROVIDERS DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THE WEBSITE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, OR FITNESS FOR ANY PARTICULAR PURPOSE. FURTHER, TRUE LINK FINANCIAL WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THIS WEBSITE, OR FOR THE INCOMPATIBILITY BETWEEN THIS WEBSITE AND FILES AND THE USER'S BROWSER OR OTHER SITE ACCESSING PROGRAM. NOR WILL TRUE LINK FINANCIAL BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND TRUE LINK FINANCIAL'S CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS.

TRUE LINK FINANCIAL AND THIRD PARTY DATA PROVIDERS DO NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE MATERIALS AND INFORMATION. FURTHERMORE, TRUE LINK FINANCIAL AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, COMPUTER VIRUSES, MALICIOUS CODE, OR OTHER DEFECT IN WEBSITE, ANY INCOMPATIBILITY BETWEEN THE WEBSITE AND THE USER'S FILES AND THE USER'S BROWSER OR OTHER SITE ACCESSING PROGRAM, OR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND TRUE LINK FINANCIAL AND ITS AFFILIATES' CONTROL. NO LICENSE TO THE USER IS IMPLIED IN THESE DISCLAIMERS. NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING TRUE LINK FINANCIAL'S RESPONSIBILITIES AND OBLIGATIONS TO USERS IF DOING SO WOULD CONFLICT WITH APPLICABLE LAWS AND REGULATIONS.

UNDER NO CIRCUMSTANCES WILL TRUE LINK FINANCIAL BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THE WEBSITE OR ANY PORTION THEREOF, REGARDLESS OF WHETHER TRUE LINK FINANCIAL HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT, (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.

Enforceability and governing law.

In the event any of the terms or provisions of these Terms of Service shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. These Terms of Service shall be subject to any other agreements you have entered into with True Link Financial. The user's access to and use of the truelinkfinancial.com Website, and the terms of this disclaimer are governed by the laws of the State of California.

Notice for California Users: Under California Civil Code Section 1789.3, users of the Service from California are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at 1-916-445-1254 or 1-800-952-5210.

Violation of Terms of Service.

If we believe you have violated this Agreement, we may, without prior notice, terminate your access to and use of services provided by our Websites. Where applicable, we may take legal action against you or report you to law enforcement, other users on your account, and our partners and affiliates.