Condiciones de servicio

Derechos sobre los expedientes de crédito del consumidor según las leyes estatales y federales:
Las personas tienen derecho a impugnar cualquier inexactitud encontrada en sus informes crediticios contactando directamente a la agencia de crédito. Si bien este derecho está reconocido, ni las personas ni las entidades u organizaciones de reparación de crédito tienen derecho a eliminar información precisa, actual y verificable de un informe crediticio. Una agencia de crédito está obligada a eliminar información precisa y negativa de su informe únicamente si dicha información ha superado los 7 años de antigüedad. La información relacionada con la bancarrota puede reportarse por un período de 10 años.
Las personas tienen derecho a obtener una copia de su informe crediticio de una agencia de crédito, lo cual puede implicar un cargo razonable. Existen excepciones a este cargo si a una persona se le ha denegado crédito, empleo, seguro o alquiler debido a la información presente en su informe crediticio en los últimos 60 días. Las agencias de crédito están obligadas a ayudar a aclarar la información de su expediente crediticio. La elegibilidad para una copia de cortesía de su informe de crédito se extiende a las personas que están desempleadas y anticipan buscar empleo dentro de los próximos 60 días, los beneficiarios de asistencia social pública o aquellos que sospechan inexactitudes en su informe de crédito debido a una actividad fraudulenta.

Existen recursos legales contra las organizaciones de reparación de crédito que infrinjan la Ley de Organizaciones de Reparación de Crédito, que prohíbe las prácticas engañosas.
Las personas tienen derecho a rescindir su contrato con cualquier organización de reparación de crédito dentro de los 3 días hábiles siguientes a la fecha de firma.
Las agencias de crédito están obligadas a seguir procedimientos razonables para verificar la exactitud de la información reportada, aunque pueden existir errores.

Las personas tienen derecho a notificar por escrito, de forma independiente, a una agencia de crédito sobre cualquier disputa relacionada con la exactitud de la información de su expediente crediticio. Posteriormente, la agencia de crédito está obligada a realizar una nueva investigación y rectificar o eliminar cualquier información inexacta o incompleta, sin costo alguno. Es recomendable proporcionar a la agencia de crédito toda la información relevante y copias de los documentos relacionados con el error.
Si la nueva investigación de la agencia de crédito no resuelve satisfactoriamente el problema de Financore Platform, las personas tienen derecho a presentar una declaración concisa a la agencia de crédito para su inclusión en su expediente, explicando las razones de su desacuerdo con Financore Solutions. Cualquier informe emitido sobre la persona debe incluir un resumen de esta declaración sobre la información disputada.
La Comisión Federal de Comercio (FTC) es el organismo regulador que supervisa a las agencias de crédito y las organizaciones de reparación de crédito. Para obtener más información, comuníquese con:
Public Reference Branch, Federal Trade Commission, Washington, DC 20580.

1. Definiciones.
(a) “Estadísticas Agregadas” se refiere a los datos e información relacionados con el uso de los Servicios por parte del Cliente que Financore Solutions utiliza de forma agregada y anónima, lo que incluye la recopilación de información estadística y de rendimiento relacionada con la prestación y el funcionamiento de los Servicios.

(b) “Acuerdo” significa el Formulario de Pedido ejecutado junto con estos Términos y Condiciones del Servicio de Financore Solutions.
(c) “Usuario Autorizado” significa los empleados, consultores, contratistas y agentes del Cliente (i) que están autorizados por el Cliente para acceder y usar los Servicios bajo los derechos otorgados al Cliente de conformidad con este Acuerdo y (ii) para quienes se ha adquirido acceso a los Servicios en virtud del presente.

(d) “Créditos” significa los tokens utilizados para asignar fondos dentro de los servicios de Financore Solutions.

(e) “Cliente” se refiere al Cliente que figura en el Formulario de Pedido.
(f) “Datos del Cliente” se refiere, salvo las Estadísticas Agregadas, a la información, los datos y demás contenido, en cualquier formato o medio, que se envíe, publique o transmita de otro modo por o en nombre del Cliente o de un Usuario Autorizado a través de los Servicios.
(g) “Financore SolutionsIP” se refiere a los Servicios y a toda la propiedad intelectual proporcionada al Cliente o a cualquier Usuario Autorizado en relación con lo anterior. Para evitar cualquier duda, Financore SolutionsIP incluye las Estadísticas Agregadas y cualquier información, dato u otro contenido derivado del seguimiento que Financore Solutions realiza del acceso o uso de los Servicios por parte del Cliente, pero no incluye los Datos del Cliente.

(h) “Formulario de Pedido” significa el formulario ejecutado entre las Partes que incluye, entre otras cosas, los servicios seleccionados, el nombre del Cliente y los Créditos solicitados.

(i) “Parte” y “Partes”. Financore Solutions y el Cliente podrán ser denominados en el presente documento colectivamente como las “Partes” o individualmente como una “Parte”.
(j) “Servicios” se refiere a la oferta de software como servicio descrita en el Formulario de Pedido.

2. Acceso y uso.
(a) Provisión de acceso. Sujeto y condicionado al pago de las Tarifas por parte del Cliente y al cumplimiento de todos los demás términos y condiciones de este Acuerdo, Financore Solutions otorga al Cliente un derecho no exclusivo e intransferible (excepto en cumplimiento de la Sección 11(g)) para acceder y usar los Servicios durante el Plazo, únicamente para uso de los Usuarios Autorizados de acuerdo con los términos y condiciones aquí establecidos. Dicho uso está limitado al uso interno del Cliente.
(b) Restricciones de uso. El Cliente no utilizará los Servicios para ningún propósito más allá del alcance del acceso otorgado en este Acuerdo. El Cliente no deberá en ningún momento, directa o indirectamente, y no permitirá que ningún Usuario Autorizado: (i) copie, modifique o cree trabajos derivados de los Servicios, en su totalidad o en parte; (ii) alquile, arriende, preste, venda, licencie, sublicencia, asigne, distribuya, publique, transfiera o de otra manera ponga a disposición los Servicios; (iii) realizar ingeniería inversa, desensamblar, descompilar, decodificar, adaptar o intentar de otro modo derivar u obtener acceso a cualquier componente de software de los Servicios, en su totalidad o en parte; (iv) eliminar cualquier aviso de propiedad de los Servicios; (v) utilizar los Servicios de cualquier manera o para cualquier propósito que infrinja, se apropie indebidamente o viole de otro modo cualquier derecho de propiedad intelectual u otro derecho de cualquier persona, o que viole cualquier ley aplicable; o (vi) compartir o proporcionar acceso a la cuenta del Cliente a cualquier persona que no sea el Cliente.

(c) Reserva de derechos. Financore Solutions se reserva todos los derechos no expresamente otorgados al Cliente en este Acuerdo. Salvo los derechos y licencias limitados expresamente otorgados en virtud de este Acuerdo, ninguna disposición de este Acuerdo otorga, por implicación, renuncia, impedimento o de otro modo, al Cliente ni a ningún tercero ningún derecho de propiedad intelectual u otro derecho, título o interés en o sobre la Propiedad Intelectual de Financore Solutions.
(d) Suspensión. Sin perjuicio de cualquier disposición contraria en este Acuerdo, Financore Solutions podrá suspender temporalmente el acceso del Cliente y de cualquier Usuario autorizado a cualquier parte o a la totalidad de los Servicios si: (i) Financore Solutions determina razonablemente que (A) existe una amenaza o un ataque a cualquiera de las Propiedades Intelectuales de Financore Solutions; (B) el uso de las Propiedades Intelectuales de Financore Solutions por parte del Cliente o de cualquier Usuario autorizado interrumpe o supone un riesgo de seguridad para las Propiedades Intelectuales de Financore Solutions o para cualquier otro cliente o proveedor de Financore Solutions; (C) el Cliente o cualquier Usuario autorizado está utilizando las Propiedades Intelectuales de Financore Solutions para actividades fraudulentas o ilegales; (D) Sujeto a la legislación aplicable, el Cliente ha cesado sus actividades comerciales en el curso ordinario, ha realizado una cesión a favor de los acreedores o una disposición similar de sus activos, o se ha visto sujeto a un procedimiento de quiebra, reorganización, liquidación, disolución o similar; o (E) la prestación de los Servicios por parte de Financore Solutions al Cliente o a cualquier Usuario Autorizado está prohibida por la legislación aplicable; (ii) cualquier proveedor de Financore Solutions ha suspendido o cancelado el acceso o el uso de Financore Solutions de cualquier servicio o producto de terceros necesario para que el Cliente pueda acceder a los Servicios; o (iii) de conformidad con la Sección 4(a)(iii)(cualquier suspensión descrita en las subcláusulas (i), (ii) o (iii), una “Suspensión del Servicio”). Financore Solutions hará todos los esfuerzos razonables para notificar por escrito al Cliente cualquier Suspensión del Servicio y para proporcionarle actualizaciones sobre la reanudación del acceso a los Servicios tras dicha Suspensión. Financore Solutions hará todos los esfuerzos comercialmente razonables para reanudar el acceso a los Servicios tan pronto como sea razonablemente posible una vez subsanado el evento que dio lugar a la Suspensión del Servicio. Financore Solutions no tendrá ninguna responsabilidad por ningún daño, obligación, pérdida (incluida cualquier pérdida de datos o ganancias) o cualquier otra consecuencia que el Cliente o cualquier Usuario Autorizado pueda incurrir como resultado de una Suspensión del Servicio.
(e) Estadísticas Agregadas. Sin perjuicio de cualquier disposición contraria en este Acuerdo, Financore Solutions podrá supervisar el uso de los Servicios por parte del Cliente y recopilar y compilar Estadísticas Agregadas. Entre Financore Solutions y el Cliente, todos los derechos, títulos e intereses sobre las Estadísticas Agregadas, así como todos los derechos de propiedad intelectual sobre las mismas, pertenecen y son propiedad exclusiva de Financore Solutions. El Cliente reconoce que Financore Solutions podrá recopilar Estadísticas Agregadas basándose en los Datos del Cliente introducidos en los Servicios. El Cliente acepta que Financore Solutions podrá (i) poner las Estadísticas Agregadas a disposición del público de conformidad con la legislación aplicable, y (ii) utilizarlas en la medida y forma permitidas por la legislación aplicable.
3. Responsabilidades del Cliente. El Cliente es responsable de todos los usos de los Servicios que resulten del acceso proporcionado por el Cliente, directa o indirectamente, ya sea que dicho acceso o uso esté permitido por este Acuerdo o lo infrinja. Sin perjuicio de lo anterior, el Cliente es responsable de todos los actos y omisiones de los Usuarios Autorizados, y cualquier acto u omisión de un Usuario Autorizado que constituya un incumplimiento de este Acuerdo, si lo realiza el Cliente, se considerará un incumplimiento del mismo. El Cliente hará todo lo razonablemente posible para que todos los Usuarios Autorizados conozcan las disposiciones de este Acuerdo aplicables a su uso de los Servicios, y se asegurará de que cumplan con dichas disposiciones.

4. Tarifas y Pago.
(a) Tarifas. El Cliente deberá pagar a Financore Solutions las tarifas («Tarifas») establecidas en el Formulario de Pedido, sin compensación ni deducción. El Cliente deberá realizar todos los pagos en virtud del presente en dólares estadounidenses en o antes de la fecha de vencimiento establecida en el Formulario de Pedido. Si el Cliente no realiza algún pago a su vencimiento, sin perjuicio de los demás derechos y recursos de Financore Solutions: (i) Financore Solutions podrá cobrar intereses sobre el importe vencido a una tasa del 1,5 % mensual, calculada diariamente y compuesta mensualmente, o, si fuera inferior, la tasa más alta permitida por la legislación aplicable; (ii) El Cliente deberá reembolsar a Financore Solutions todos los costes razonables en los que haya incurrido para cobrar los pagos atrasados o los intereses, incluidos los honorarios de abogados, las costas judiciales y los honorarios de las agencias de cobro; y (iii) si dicho incumplimiento persiste durante quince (15) días o más, Financore Solutions podrá suspender el acceso del Cliente y de sus Usuarios Autorizados a cualquier parte o a la totalidad de los Servicios hasta que se paguen dichos importes en su totalidad.
(b) Impuestos. Todas las Tarifas y demás importes pagaderos por el Cliente en virtud del presente Acuerdo no incluyen impuestos ni otras tasas similares. El Cliente es responsable de todos los impuestos sobre las ventas, el uso y los impuestos especiales, así como de cualquier otro impuesto, derecho o cargo similar de cualquier tipo que imponga cualquier autoridad gubernamental o reguladora federal, estatal o local sobre cualquier importe pagadero por el Cliente en virtud del presente Acuerdo, excepto los impuestos que graven los ingresos de Financore Solutions.

(c) Sin reembolsos. Los créditos solo se aplican al pago de futuras tarifas por el uso de los Servicios y no son convertibles en efectivo. Las tarifas de los Servicios y los Créditos no son reembolsables bajo ninguna circunstancia, incluyendo, entre otras, la rescisión de este Acuerdo por cualquier motivo. Incluso si el Cliente no utiliza los Servicios, será responsable de todos los cargos recurrentes hasta que este Acuerdo se rescinda de conformidad con los términos aquí estipulados.

5. Confidential Information. From time to time during the Term, either Party may disclose or make available to the other Party information about its business affairs, products, confidential intellectual property, trade secrets, third-party confidential information, and other sensitive or proprietary information, which shall include pricing information, in written or electronic form or media, and whether or not marked, designated, or otherwise identified as “confidential” (collectively, “Confidential Information“). Confidential Information does not include information that, at the time of disclosure is: (a) in the public domain; (b) known to the receiving Party at the time of disclosure; (c) rightfully obtained by the receiving Party on a non-confidential basis from a third party; or (d) independently developed by the receiving Party. The receiving Party shall not disclose the disclosing Party’s Confidential Information to any person or entity, except to the receiving Party’s employees who have a need to know the Confidential Information for the receiving Party to exercise its rights or perform its obligations hereunder. Notwithstanding the foregoing, each Party may disclose Confidential Information to the limited extent required (i) in order to comply with the order of a court or other governmental body, or as otherwise necessary to comply with applicable law, provided that the Party making the disclosure pursuant to the order shall first have given written notice to the other Party and made a reasonable effort to obtain a protective order; or (ii) to establish a Party’s rights under this Agreement, including to make required court filings. On the expiration or termination of the Agreement, the receiving Party shall promptly return to the disclosing Party all copies, whether in written, electronic, or other form or media, of the disclosing Party’s Confidential Information, or destroy all such copies and certify in writing to the disclosing Party that such Confidential Information has been destroyed. Each Party’s obligations of non-disclosure with regard to Confidential Information are effective as of the Effective Date and will expire five years from the date first disclosed to the receiving Party; provided, however, with respect to any Confidential Information that constitutes a trade secret (as determined under applicable law), such obligations of non-disclosure will survive the termination or expiration of this Agreement for as long as such Confidential Information remains subject to trade secret protection under applicable law.

6. Intellectual Property Ownership; Feedback.
(a) Financore SolutionsIP. Customer acknowledges that, as between Customer and Financore Solutions, Financore Solutionsowns all right, title, and interest, including all intellectual property rights, in and to the Financore SolutionsIP.
(b) Customer Data. Financore Solutionsacknowledges that, as between Financore Solutionsand Customer, Customer owns all right, title, and interest, including all intellectual property rights, in and to the Customer Data. Customer hereby grants to Financore Solutionsa non-exclusive, royalty-free, worldwide license to reproduce, distribute, and otherwise use and display the Customer Data and perform all acts with respect to the Customer Data as may be necessary for Financore Solutionsto provide the Services to Customer, and a non-exclusive, perpetual, irrevocable, royalty-free, worldwide license to reproduce, distribute, modify, and otherwise use and display Customer Data incorporated within the Aggregated Statistics.
(c) Feedback. If Customer or any of its employees or contractors sends or transmits any communications or materials to Financore Solutionsby mail, email, telephone, or otherwise, suggesting or recommending changes to the Financore SolutionsIP, including without limitation, new features or functionality relating thereto, or any comments, questions, suggestions, or the like (“Feedback“), Financore Solutionsis free to use such Feedback irrespective of any other obligation or limitation between the Parties governing such Feedback. Customer hereby assigns to Financore Solutionson Customer’s behalf, and on behalf of its employees, and/or contractors, all right, title, and interest in, and Financore Solutionsis free to use, without any attribution or compensation to any party, any ideas, know-how, concepts, techniques, or other intellectual property rights contained in the Feedback, for any purpose whatsoever, although Financore Solutionsis not required to use any Feedback.
7. Warranty Disclaimer. THE Financore SolutionsIP IS PROVIDED “AS IS” AND Financore SolutionsHEREBY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. Financore SolutionsSPECIFICALLY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ALL WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE. Financore SolutionsMAKES NO WARRANTY OF ANY KIND THAT THE Financore SolutionsIP, OR ANY PRODUCTS OR RESULTS OF THE USE THEREOF, WILL MEET CUSTOMER’S OR ANY OTHER PERSON’S REQUIREMENTS, OPERATE WITHOUT INTERRUPTION, ACHIEVE ANY INTENDED RESULT, BE COMPATIBLE OR WORK WITH ANY SOFTWARE, SYSTEM, OR OTHER SERVICES, OR BE SECURE, ACCURATE, COMPLETE, FREE OF HARMFUL CODE, OR ERROR FREE.

8. Indemnification.
(a) Financore SolutionsIndemnification.
(i) Financore Solutionsshall indemnify, defend, and hold harmless Customer from and against any and all losses, damages, liabilities, costs (“Losses“) incurred by Customer resulting from any third-party claim, suit, action, or proceeding (“Third-Party Claim“) that the Services, or any use of the Services in accordance with this Agreement, infringes or misappropriation such third party’s US intellectual property rights, provided that Customer promptly notifies Financore Solutionsin writing of such Third-Party Claim, cooperates with Financore Solutions, and allows Financore Solutionssole authority to control the defense and settlement of such Third-Party Claim.
(ii) If a Third Party-Claim is made or appears possible, Customer agrees to permit Financore Solutions, at Financore Solutions‘s sole discretion, to (A) modify or replace the Services, or component or part thereof, to make it non-infringing, or (B) obtain the right for Customer to continue use. If Financore Solutionsdetermines that neither alternative is reasonably available, Financore Solutionsmay terminate this Agreement, in its entirety or with respect to the affected component or part, effective immediately on written notice to Customer.
(iii) This Section 8(a) will not apply to the extent that the alleged infringement arises from: (A) use of the Services in combination with data, software, hardware, equipment, or technology not provided Financore Solutionsor authorized Financore Solutionsin writing; (B) modifications to the Services not made by Financore Solutions; or (C) Customer Data.
(b) Customer Indemnification. Customer shall indemnify, hold harmless, and, at Financore Solutions‘s option, defend Financore Solutionsfrom and against any Losses resulting from any Third-Party Claim that the Customer Data, or any use of the Customer Data in accordance with this Agreement, infringes or misappropriates such third party’s US intellectual property rights and any Third-Party Claims based on Customer’s or any Authorized User’s (i) negligence or willful misconduct; (ii) use of the Services in a manner not authorized by this Agreement; (iii) use of the Services in combination with data, software, hardware, equipment, or technology not provided Financore Solutionsor authorized Financore Solutionsin writing; or (iv) modifications to the Services not made by Financore Solutions, provided that Customer may not settle any Third-Party Claim against Financore Solutionsunless Financore Solutionsconsents to such settlement, and further provided that Financore Solutionswill have the right, at its option, to defend itself against any such Third-Party Claim or to participate in the defense thereof by counsel of its own choice.
(c) Sole Remedy. THIS SECTION 8 SETS FORTH CUSTOMER’S SOLE REMEDIES AND FINANCORE SOLUTIONS‘S SOLE LIABILITY AND OBLIGATION FOR ANY ACTUAL, THREATENED, OR ALLEGED CLAIMS THAT THE SERVICES INFRINGE, MISAPPROPRIATE, OR OTHERWISE VIOLATE ANY INTELLECTUAL PROPERTY RIGHTS OF ANY THIRD PARTY.

9. Limitations of Liability. IN NO EVENT WILL FINANCORE SOLUTIONSBE LIABLE UNDER OR IN CONNECTION WITH THIS AGREEMENT UNDER ANY LEGAL OR EQUITABLE THEORY, INCLUDING BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, AND OTHERWISE, FOR ANY: (a) CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL, ENHANCED, OR PUNITIVE DAMAGES; (b) INCREASED COSTS, DIMINUTION IN VALUE OR LOST BUSINESS, PRODUCTION, REVENUES, OR PROFITS; (c) LOSS OF GOODWILL OR REPUTATION; (d) USE, INABILITY TO USE, LOSS, INTERRUPTION, DELAY, OR RECOVERY OF ANY DATA, OR BREACH OF DATA OR SYSTEM SECURITY; OR (e) COST OF REPLACEMENT GOODS OR SERVICES, IN EACH CASE REGARDLESS OF WHETHER Financore SolutionsWAS ADVISED OF THE POSSIBILITY OF SUCH LOSSES OR DAMAGES OR SUCH LOSSES OR DAMAGES WERE OTHERWISE FORESEEABLE. IN NO EVENT WILL Financore Solutions‘S AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THIS AGREEMENT UNDER ANY LEGAL OR EQUITABLE THEORY, INCLUDING BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, AND OTHERWISE EXCEED TWO TIMES THE TOTAL AMOUNTS PAID AND AMOUNTS ACCRUED BUT NOT YET PAID TO Financore SolutionsUNDER THIS AGREEMENT IN THE ONE–YEAR PERIOD PRECEDING THE EVENT GIVING RISE TO THE CLAIM OR $1,000.00, WHICHEVER IS LESS.

10. Term and Termination.
(a) Term. The initial term of this Agreement begins on the Effective Date and, unless terminated earlier pursuant to this Agreement’s express provisions, will continue in effect until one year from such date (the “Initial Term“). This Agreement will automatically renew for up to five additional successive one-year terms unless earlier terminated pursuant to this Agreement’s express provisions or either Party gives the other Party written notice of non-renewal at least sixty days prior to the expiration of the then-current term (each a “Renewal Term” and together with the Initial Term, the “Term“).
(b) Termination. In addition to any other express termination right set forth in this Agreement:
(i) Financore Solutionsmay terminate this Agreement, effective on written notice to Customer, if Customer: (A) fails to pay any amount when due hereunder, and such failure continues more than fifteen days after Financore Solutions‘s delivery of written notice thereof; or (B) breaches any of its obligations under Section 2(c) or Section 5;
(ii) either Party may terminate this Agreement, effective on written notice to the other Party, if the other Party materially breaches this Agreement, and such breach: (A) is incapable of cure; or (B) being capable of cure, remains uncured 30 days after the non-breaching Party provides the breaching Party with written notice of such breach; or
(iii) either Party may terminate this Agreement, effective immediately upon written notice to the other Party, if the other Party: (A) becomes insolvent or is generally unable to pay, or fails to pay, its debts as they become due; (B) files or has filed against it, a petition for voluntary or involuntary bankruptcy or otherwise becomes subject, voluntarily or involuntarily, to any proceeding under any domestic or foreign bankruptcy or insolvency law; (C) makes or seeks to make a general assignment for the benefit of its creditors; or (D) applies for or has appointed a receiver, trustee, custodian, or similar agent appointed by order of any court of competent jurisdiction to take charge of or sell any material portion of its property or business.
(c) Effect of Expiration or Termination. Upon expiration or earlier termination of this Agreement, Customer shall immediately discontinue use of the Financore SolutionsIP and, without limiting Customer’s obligations under Section 5, Customer shall delete, destroy, or return all copies of the Financore SolutionsIP and certify in writing to the Financore Solutionsthat the Financore SolutionsIP has been deleted or destroyed. No expiration or termination will affect Customer’s obligation to pay all Fees that may have become due before such expiration or termination or entitle Customer to any refund. Exiting Credits are not refundable or recoverable upon termination of this Agreement.
(d) Survival. This Section 10(d) and Sections 1, 4, 5, 6, 7(b), 8, 9, and 11 survive any termination or expiration of this Agreement. No other provisions of this Agreement survive the expiration or earlier termination of this Agreement.

11. Miscellaneous.
(a) Entire Agreement. This Agreement, together with any other documents incorporated herein by reference and all related Exhibits, constitutes the sole and entire agreement of the Parties with respect to the subject matter of this Agreement and supersedes all prior and contemporaneous understandings, agreements, and representations and warranties, both written and oral, with respect to such subject matter. In the event of any inconsistency between the statements made in the body of this Agreement, the related Exhibits, and any other documents incorporated herein by reference, the following order of precedence governs: (i) first, this Agreement, excluding its Exhibits; (ii) second, the Exhibits to this Agreement as of the Effective Date; and (iii) third, any other documents incorporated herein by reference.

(b) Notices. All notices, requests, consents, claims, demands, waivers, and other communications hereunder (each, a “Notice“) must be in writing and addressed to the Parties at the addresses set forth on the first page of this Agreement (or to such other address that may be designated by the Party giving Notice from time to time in accordance with this Section). All Notices must be delivered by personal delivery, nationally recognized overnight courier (with all fees prepaid), facsimile, or email (with confirmation of transmission), or certified or registered mail (in each case, return receipt requested, postage prepaid). Except as otherwise provided in this Agreement, a Notice is effective only: (i) upon receipt by the receiving Party; and (ii) if the Party giving the Notice has complied with the requirements of this Section.

(c) Force Majeure. In no event shall either Party be liable to the other Party, or be deemed to have breached this Agreement, for any failure or delay in performing its obligations under this Agreement (except for any obligations to make payments), if and to the extent such failure or delay is caused by any circumstances beyond such Party’s reasonable control, including but not limited to acts of God, flood, fire, earthquake, epidemic, explosion, war, terrorism, invasion, riot or other civil unrest, strikes, labor stoppages or slowdowns or other industrial disturbances, or passage of law or any action taken by a governmental or public authority, including imposing an embargo.

(d) Amendment and Modification; Waiver. No amendment to or modification of this Agreement is effective unless it is in writing and signed by an authorized representative of each Party. No waiver by any Party of any of the provisions hereof will be effective unless explicitly set forth in writing and signed by the Party so waiving. Except as otherwise set forth in this Agreement, (i) no failure to exercise, or delay in exercising, any rights, remedy, power, or privilege arising from this Agreement will operate or be construed as a waiver thereof, and (ii) no single or partial exercise of any right, remedy, power, or privilege hereunder will preclude any other or further exercise thereof or the exercise of any other right, remedy, power, or privilege.

(e) Severability. If any provision of this Agreement is invalid, illegal, or unenforceable in any jurisdiction, such invalidity, illegality, or unenforceability will not affect any other term or provision of this Agreement or invalidate or render unenforceable such term or provision in any other jurisdiction. Upon such determination that any term or other provision is invalid, illegal, or unenforceable, the Parties shall negotiate in good faith to modify this Agreement so as to effect their original intent as closely as possible in a mutually acceptable manner in order that the transactions contemplated hereby be consummated as originally contemplated to the greatest extent possible.

(f) Governing Law; Submission to Jurisdiction. This Agreement is governed by and construed in accordance with the internal laws of the State of Delaware without giving effect to any choice or conflict of law provision or rule that would require or permit the application of the laws of any jurisdiction other than those of the State of Delaware. Any legal suit, action, or proceeding arising out of or related to this Agreement or the licenses granted hereunder will be instituted exclusively in the federal courts of the United States or the courts of the State of Delaware in each case located in the city of Wilmington and New Castle County, and each Party irrevocably submits to the exclusive jurisdiction of such courts in any such suit, action, or proceeding.

(g) Assignment. Customer may not assign any of its rights or delegate any of its obligations hereunder, in each case whether voluntarily, involuntarily, by operation of law or otherwise, without the prior written consent of Financore Solutions. Any purported assignment or delegation in violation of this Section will be null and void. No assignment or delegation will relieve the assigning or delegating Party of any of its obligations hereunder. This Agreement is binding upon and inures to the benefit of the Parties and their respective permitted successors and assigns.

(h) Mutual Non-Disparagement. Each Party, agrees that neither it nor any of its respective agents, officers, key employees or directors, will in any way publicly disparage, call into disrepute, defame, slander or otherwise criticize the other Party or any of their products or services, in any manner that would damage the business or reputation or otherwise degrade the reputation of such other Party, their products, or their services in the community or in the debt repair industry.

(i) Equitable Relief. Each Party acknowledges and agrees that a breach or threatened breach by such Party of any of its obligations under Section 4 or, in the case of Customer, Section 2(c), would cause the other Party irreparable harm for which monetary damages would not be an adequate remedy and agrees that, in the event of such breach or threatened breach, the other Party will be entitled to equitable relief, including a restraining order, an injunction, specific performance, and any other relief that may be available from any court, without any requirement to post a bond or other security, or to prove actual damages or that monetary damages are not an adequate remedy. Such remedies are not exclusive and are in addition to all other remedies that may be available at law, in equity, or otherwise.

(j)Data Sharing with 3rd Party Affiliates. (a) Customer acknowledges that Financore Solutionsmay share Customer Data with third-party affiliates to enhance the Services and offer related products or services to Customer. The sharing of Customer Data will be carried out in compliance with applicable laws and Financore Solutions’s Privacy Policy. (b) Customer has the right to opt-out of data sharing with third-party affiliates by notifying Financore Solutionsin writing.

(k) Authorization to Use Credit Profile in Testimonials. By signing up for Financore Solutions’s services, you grant Financore Solutionsthe right to use non-personally identifiable information related to your credit profile in our testimonials and results showcases. This may include, but is not limited to, general descriptions of your credit score improvements and summaries of your Financore Solutionsoutcomes. Please note that all personal information will be anonymized to protect your privacy. This authorization allows us to share success stories and demonstrate the effectiveness of our services to prospective clients.

(l) Counterparts. This Agreement may be executed in counterparts, each of which is deemed an original, but all of which together are deemed to be one and the same agreement.