Terms of Use

Welcome to Simplifymyfinances.com Simplifymyfinances.com, Inc.
("Simplifymyfinances.com") provides its Internet services (e.g.,
Simplifymyfinances.com web sites and associated services provided
thereon are collectively referred to hereinafter as "Services") to you subject
to the following conditions. If you visit any of Simplifymyfinances.com's
web sites, you accept these terms and conditions of this Agreement
as if you had signed it.
Before using this site, please read the
following carefully. Additionally, when you use any current or future
Simplifymyfinances.com Service you also will be subject to the guidelines
and conditions applicable to such service or business.
If you do not agree
to be bound by the following terms and conditions of this Agreement,
please discontinue your use of Simplifymyfinances.com's Internet Services
immediately.

LICENSE AND SITE ACCESS

Simplifymyfinances.com grants you a limited license to access and make
personal use of this site and not to download (other than page caching) or
modify it, or any portion of it, except with express written consent of
Simplifymyfinances.com. This license does not include any resale or
commercial use of this site or its contents; any collection and use of any
product listings, descriptions, or prices; any derivative use of this site or its
contents; any downloading or copying of information or designs for the
benefit of another merchant; or any use of data mining, robots, or similar
data gathering and extraction tools.
This site or any portion of this site may
not be reproduced, duplicated, copied, sold, resold, visited, or otherwise
exploited for any commercial purpose without the express written consent
of Simplifymyfinances.com. You may not frame or utilize framing
techniques to enclose any trademark, logo, or other proprietary information
(including images, text, page layout, or form) of Simplifymyfinances.com
without express written consent. Similarly, you may not use any meta tags
or any other "hidden text" utilizing Simplifymyfinances.com's name or
trademarks without the express written consent of
Simplifymyfinances.com. Any unauthorized use terminates the permission

or license granted by Simplifymyfinances.com.
You are granted a limited,
revocable, and nonexclusive right to create a hyperlink to the home page
of Simplifymyfinances.com so long as the link does not portray
Simplifymyfinances.com, its affiliates, or their products or services in a
false, misleading, derogatory, or otherwise offensive matter. You may not
use any Simplifymyfinances.com logo or other proprietary graphic or
trademark as part of the link without express written permission. You are
responsible for all charges (e.g., telephone) associated with connecting to
Simplifymyfinances.com's Internet Services through an access number.
You are also responsible for obtaining or providing all telephone access
lines, telephone and computer equipment (including modem), or other
access device, necessary to access Simplifymyfinances.com's web site(s).

PRIVACY

Please review our Privacy Policy.

All content included on this site, such as text, graphics, logos, button
icons, images, audio clips, digital downloads, data compilations, and
software, is the property of Simplifymyfinances.com or its content
suppliers and protected by United States and international copyright
laws. The compilation of all content on this site is the exclusive property
of Simplifymyfinances.com and protected by U.S. and international
copyright laws. All software used on this site is the property of
Simplifymyfinances.com or its software suppliers and protected by United
States and international copyright laws.

TRADEMARKS

Simplifymyfinances.com Inc., and various combinations of the same, as
well as other marks indicated on our site are Simplifymyfinances.com's
trademarks or are otherwise the trademarks its affiliates and are
protected under trademark laws, in the United States and other
countries. Other Simplifymyfinances.com graphics, logos, page
headers, button icons, scripts, service names and service marks are
trademarks or trade dress of Simplifymyfinances.com, Inc. or its affiliates.
Simplifymyfinances.com's and its affiliates’ trademarks and trade dress
may not be used in connection with any product or service that is not
Simplifymyfinances.com's, in any manner that is likely to cause confusion

among customers, or in any manner that disparages or discredits
Simplifymyfinances.com or its affiliates. All other trademarks not owned
by Simplifymyfinances.com or its affiliates that appear on this site are the
property of their respective owners, who may or may not be affiliated with,
connected to, or sponsored by Simplifymyfinances.com or its subsidiaries.

YOUR ACCOUNT

If you use this site, you are responsible for maintaining the confidentiality
of your account and password and for restricting access to your computer,
and you agree to accept responsibility for all activities that occur under
your account or password. Simplifymyfinances.com and its affiliates
reserve the right to refuse service, terminate accounts, remove or edit
content, or cancel orders in their sole discretion.

CONDUCT

It is a condition of your use of any Simplifymyfinances.com Internet Service
that you do not restrict or inhibit any other user from using and enjoying the
Service; post or transmit any unlawful, threatening, abusive, libelous,
defamatory, obscene, vulgar, pornographic, profane or indecent
information of any kind, including without limitation, any images or other
material depicting nudity, or post or transmit comments containing
harassing or offensive language. Visitors may submit suggestions, ideas,
comments, questions, or other information, so long as the content is not
illegal, obscene, threatening, defamatory, invasive of privacy, infringing of
intellectual property rights, or otherwise injurious to third parties or
objectionable and does not consist of or contain software viruses, political
campaigning, commercial solicitation, chain letters, mass mailings, or any
form of "spam."
You may not use a false e-mail address, impersonate any
person or entity, or otherwise mislead as to the origin of a card or other
content. Simplifymyfinances.com reserves the right (but not the obligation)
to remove or edit such content, but does not regularly review posted
content.
If you do submit material, and unless we indicate otherwise, you
grant Simplifymyfinances.com and its affiliates a nonexclusive, royalty-free,
perpetual, irrevocable, and fully sub licensable right to use, reproduce,
modify, adapt, publish, translate, create derivative works from, distribute,
and display such content throughout the world in any media. You grant
Simplifymyfinances.com and its affiliates and sublicenses the right to use

the name that you submit in connection with such content, if so chosen.
Simplifymyfinances.com may or may not profit from said license(s),
regardless. Except as otherwise expressly stated, you agree to and
hereby waive any and all rights to royalties, profit sharing, or license fees,
or any other fee for any and all material submitted by you.
You represent
and warrant that you own or otherwise control all of the rights to the
content that you post; that the content is accurate; that use of the content
you supply does not violate this policy and will not cause injury to any
person or entity; and that you will indemnify Simplifymyfinances.com or its
affiliates for all claims resulting from content you supply.

Simplifymyfinances.com has the right but not the obligation to monitor and
edit or remove any activity or content. Simplifymyfinances.com takes no
responsibility and assumes no liability for any content posted by you or any
third party. You agree that you will not use the Service, including the
information provided therein and all related, networks and network devices
(specifically including Internet access) for any unlawful purpose.
Simplifymyfinances.com, in its sole and absolute discretion, shall
determine whether any information transmitted or received violates this
provision. You may not use any material in connection with any site or
other use that contains or is associated with information or content
prohibited by this section.

Simplifymyfinances.com and its affiliates respect the intellectual
property of others. If you believe that your work has been copied
in a way that constitutes copyright infringement, please contact
Simplifymyfinances.com's legal department.

INFRINGEMENT POLICY

Simplifymyfinances.com, pursuant to 17 U.S.C. §512 as amended by
Title II of the Digital Millennium Copyright Act (the "Act"), reserves the
right, but not the obligation, to terminate your license to use the Service
if it determines in its sole and absolute discretion that you are involved in
infringing activity, including alleged acts of first-time or repeat infringement,
regardless of whether other material or activity is ultimately determined
to be infringing. Simplifymyfinances.com accommodates and does not
interfere with standard technical measures used by copyright owners
to protect their materials. In addition, pursuant to 17 U.S.C. §512(c),
Simplifymyfinances.com has implemented procedures for receiving written

notification of claimed infringements and for processing such claims in
accordance with the Act. All claims of infringement must be submitted
to Simplifymyfinances.com in a written complaint that complies with the
requirements below and is delivered to our designated agent to receive
notification of claimed infringement:
By mail:
Simplifymyfinances.com
Attn:
Legal Dept: 730 South Sleepy Ridge Drive
Orem, UT 84058-2004
By email:
legal@Simplifymyfinances.com
In addition,
any written notice regarding any defamatory or infringing activity, whether
or a copyright, patent, trademark or other proprietary right must include the
following information:
A. A physical or electronic signature of a person
authorized to act on behalf of (1) the owner of an exclusive right that is
allegedly infringed or (2) the person defamed.
B. Identification of the
copyrighted work claimed to have been infringed, or, if multiple copyrighted
works at a single online site are covered by a single notification, a
representative list of such works at that site. Similarly, for materials that are
defamatory or infringe patent, trademark, or other proprietary rights of a
third party, please submit a list of such materials.
C. Identification of the
material that is claimed to be infringing, to be the subject of infringing
activity, or that is claimed to be defamatory and that is to be removed or
access to which is to be disabled, and information reasonably sufficient to
permit us to locate the material.
D. Information reasonably sufficient to
permit us to contact you, such as your address telephone number, and/or
electronic mail address.
E. A statement that you have a good faith belief
that use of the material in the manner complained of is not authorized by
the copyright or other proprietary owner, its agent, or the law.
F. A
statement that the information in the notification is accurate, and under
penalty of perjury, that you are authorized to act on behalf of the owner of
an exclusive right that is allegedly infringed or on behalf of the person
defamed.

EXPORT CONTROL INFORMATION

Unless otherwise specified, the materials on the Service are
presented solely to provide information regarding and to promote
Simplifymyfinances.com's Services and products available in the United
States, its territories, possessions and protectorates. The Service is
controlled and operated by Simplifymyfinances.com from its offices within
the state of California, United States of America.
Simplifymyfinances.com

makes no representation that materials on the Service are appropriate
or available outside the United States. Those who choose to access the
Service from outside the United States do so on their own initiative and are
responsible for compliance with local laws, if and to the extent that local
laws are applicable.

DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY
THIS
SITE IS PROVIDED BY SIMPLIFYMYFINANCES.COM ON AN "AS IS"
AND "AS AVAILABLE" BASIS. SIMPLIFYMYFINANCES.COM MAKES
NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS
OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE
INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED
ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS
SITE IS AT YOUR SOLE RISK.
TO THE FULL EXTENT PERMISSIBLE
BY APPLICABLE LAW, SIMPLIFYMYFINANCES.COM DISCLAIMS ALL
WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED
TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS
FOR A PARTICULAR PURPOSE. SIMPLIFYMYFINANCES.COM DOES
NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT
FROM SIMPLIFYMYFINANCES.COM ARE FREE OF VIRUSES OR
OTHER HARMFUL COMPONENTS. SIMPLIFYMYFINANCES.COM
WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING
FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO
DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL
DAMAGES.
CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS
ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF
CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL
OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY
NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

APPLICABLE LAW

By visiting Simplifymyfinances.com, you agree that the laws of the state of
California, without regard to principles of conflict of laws, will govern these
Conditions of Use and any dispute of any sort that might arise between
you and Simplifymyfinances.com or its affiliates.

DISPUTES

Any dispute relating in any way to your visit to Simplifymyfinances.com

or to products you purchase through Simplifymyfinances.com shall be
submitted to a court of competent jurisdiction in Utah County, Utah,
except that, to the extent you have in any manner violated or threatened
to violate Simplifymyfinances.com 's intellectual property rights,
Simplifymyfinances.com may seek injunctive or other appropriate relief
in any state or federal court in the state of California, and you consent to
exclusive jurisdiction and venue in such courts.

SITE POLICIES, MODIFICATION, AND SEVERABILITY

Please review our other policies, such as our Privacy Policy, posted on
this site. These policies also govern your visit to Simplifymyfinances.com's
web sites. Simplifymyfinances.com reserves the right to make changes
to its sites, policies, and these Terms and Conditions of use at any time
and any such changes shall be effective immediately. If any of these
conditions shall be deemed invalid, void, or for any reason unenforceable,
that condition shall be deemed severable and shall not affect the validity
and enforceability of any remaining condition.

OUR ADDRESS

Simplifymyfinances : 730 South Sleepy Ridge Drive
Orem, UT 84058-2004
1-866-397-3377