Please read these Terms of Service carefully before using the Service. Along with these Terms, please also read our Privacy Policy and refer to it before you submit any personal information through the Site. The Privacy Policy is hereby incorporated and made part of these Terms.

YOUR ACCESS TO AND USE OF THE SERVICE IS CONDITIONED ON YOUR ACCEPTANCE OF AND COMPLIANCE WITH THESE TERMS. THESE TERMS APPLY TO ALL VISITORS, USERS AND OTHERS WHO ACCESS OR USE THE SERVICE. BY USING THE SITE AND/OR ACCESSING OR USING THE SERVICE, YOU REPRESENT AND WARRANT THAT YOU ARE AT LEAST 18 YEARS OLD OR THE AGE OF MAJORITY IN YOUR STATE, AND YOU AGREE TO COMPLY WITH ALL APPLICABLE LAWS. BY USING THE SITE AND/OR ACCESSING OR USING THE SERVICE YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DISAGREE WITH ANY PART OF THE TERMS THEN YOU MAY NOT ACCESS THE SERVICE.

Purpose

Curu offers its users a variety of services aimed to improve financial wellness and product eligibility through relevant content and active financial management. We can act as a financial wellness tool to help you better understand and manage your finances. We can host and present any relevant financial literacy material, such as quizzes and articles. Along with that, we can analyze your credit spending, debit balances, income level and other factors to help you identify the best actions to take to help you become eligible for your financial goals.

Use of the Site

Visitors to the Site may browse the Site in accordance with these Terms, but will not have full access to the Service without first signing-up and creating an “Account” with Curu. When you set up your Account, you are required to complete a personal profile, which may include, but is not limited to, information such as your full name, address, phone number and email address. You are also required to set a password to access the Service. You are responsible for providing complete and accurate information and for keeping your Account information current. Curu has sole authority and discretion to permit you to access the Site.
You are solely responsible for any and all use of your Account and all activities that occur under or in connection with your Account and are responsible for maintaining the confidentiality of your Account. Please notify us immediately if you become aware of any unauthorized use of your Account.

Restrictions on Use

Your use of the Site and/or the Services is subject to all applicable laws and regulations, which may vary depending on your jurisdiction of residence and from where you access the Site. The Site and/or the Services may be used only for your personal or information purposes of a non-commercial nature. You may not copy, reproduce, distribute, transmit, display, perform, publish, license, modify, translate, adapt, create derivative works from, transfer, sell, or otherwise exploit the Site or Services or any content, information, software, products or services obtained from or through the Site without prior written permission. You may not (a) engage in harvesting of email addresses or other personal information, unsolicited emailing, telephone calls or mailings, spoofing, flooding, overloading, spidering, “screen scraping,” “database scraping,” or any other activity with the purpose of obtaining lists of users or other information, (b) send chain letters or pyramid schemes on or through the Site; (c) decompile, disassemble or reverse engineer the Site or Services or any portion thereof, or (d) attempt to gain unauthorized access to any portion of the Site or any other computer systems or social media or mobile platforms on or through the Site. You agree that you will not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for on or through the Site. Use of the Site as made available through a third-party social media platform such as Twitter or Facebook is also subject to that platform’s applicable terms and conditions.

Intellectual Property

All the text, content, graphics, interfaces, code and materials on the Site, including, but not limited to, the look and feel, selection and arrangement, design and organization of the Site, and the compilation of the content, code, data and materials on the Site, is intellectual property protected by copyright, trademark or other proprietary rights of Curu or is licensors or designees, which rights may or may not be registered in certain jurisdictions. Your access and use of the Site does not grant to you ownership of any of the foregoing. You acknowledge and agree that Curu reserves and retains, for itself and its designated third parties, as applicable, all intellectual property and other proprietary rights of any and all kinds in connection with the Site. The Site is copyrighted as a collective work under the United States and other copyright laws, and is the property of Curu. The collective work includes works that are licensed to Curu.

Termination

We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach this Terms of Service agreement. All provisions of the Terms of Service which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Links to Other Sites

Our Service may contain links to third-party web sites or services that are not owned or controlled by Curu. Curu has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party web sites or services. We strongly advise that you to read the terms and conditions and privacy policies of any third-party web sites or services that you visit.

Email and SMS communication

By using our service, you consent to receive automated text messages and/or calls and/or marketing emails from us and/or our affiliates regarding your account, transactions with us, and marketing offers. You understand that your consent is not required to make a purchase or obtain our services, and that you may opt-out of receiving automated messages, calls, and/or marketing emails at any time. You also understand that we may continue to send you transactional and/or account-related messages, even if you opt-out of marketing messages.

General Release and Indemnification

You acknowledge and agree that Curu shall not be responsible or liable, either directly or indirectly, for any damage or loss caused by or alleged to be caused by or in connection with use of, or reliance on, any such content, goods or services available on or through the Site. To the extent permitted by applicable law, you agree to defend, indemnify and hold harmless Curu and its officers, directors, employees and agents (collectively, the “Protected Entities”) from and against any and all claims, damages, obligations, losses, liabilities, demands, actions, suits, judgments, settlements, costs and expenses (including, but not limited to, reasonable attorneys’ fees) in connection with your use of and access to the Site and/or Services or services obtained through your use of the Site and/or Services; your violation of any term of these Terms; or any violation or alleged violation of applicable law or a third party’s rights, in each case by use or under your user name by any person or entity, whether or not authorized by you.

Disclaimers

CURU MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT ANY CREDIT ESTIMATE CONTAINS ACCURATE OR COMPLETE INFORMATION, OR THAN ANY RELATED RECOMMENDATIONS WILL RAISE OR OTHERWISE IMPACT YOUR CREDIT SCORE, ESTABLISH OR REBUILD GOOD CREDIT, IMPROVE YOUR CREDIT RECORD, ELIGIBILITY, CREDIT HISTORY OR CREDIT RATING.

ALTHOUGH WE STRIVE TO PROVIDE INFORMATION THAT YOU MAY FIND HELPFUL, THIS INFORMATION SHOULD NOT BE CONSIDERED CREDIT OR LEGAL ADVICE. YOU SHOULD NOT USE THE INFORMATION PROVIDED BY THE SERVICE AS A SUBSTITUTE FOR THE ADVICE OF A COMPETENT PROFESSIONAL.

THE SITE, SERVICES, AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT OR REPRESENT THAT YOUR ACCESS TO THE SITE, SERVICES OR ANY CONTENT WILL BE SECURE, UN-INTERRUPTED OR ERROR-FREE.

IN NO EVENT SHALL THE PROTECTED ENTITIES BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, OR ANY DAMAGES WHATSOEVER, EVEN IF THE PROTECTED ENTITIES HAVE BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN AN ACTION UNDER CONTRACT, NEGLIGENCE, OR ANY OTHER THEORY, ARISING OUT OF OR IN CONNECTION WITH THE USE, INABILITY TO USE, OR PERFORMANCE OF THE SITE OR THE INFORMATION, SERVICES, PRODUCTS, AND MATERIALS AVAILABLE FROM THE SITE. THESE LIMITATIONS SHALL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY. IN NO EVENT SHALL THE PROTECTED ENTITIES BE LIABLE FOR OR IN CONNECTION WITH ANY CONTENT POSTED, TRANSMITTED, EXCHANGED OR RECEIVED BY OR ON BEHALF OF ANY USER OR OTHER PERSON ON OR THROUGH A SITE.

Limitation of Liability

IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF THE PROTECTED ENTITIES TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE OR OTHERWISE) IN THE AGGREGATE, ARISING FROM THESE TERMS OF USE OR YOUR USE OF ANY SITE, EXCEED, IN THE AGGREGATE, $10. TO THE EXTENT THAT ANY OF THE LIMITATIONS OR EXCLUSIONS SET FORTH ARE NOT ENFORCEABLE UNDER APPLICABLE LAW, THE LIABILITY OF THE PROTECTED ENTITIES UNDER OR IN CONNECTION WITH THIS AGREEMENT AND THE SITE SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. YOU ACKNOWLEDGE THAT THIS LIMITATION OF LIABILITY IS AN ESSENTIAL TERM BETWEEN YOU AND CURU RELATING TO THE PROVISION OF THE SITE, THE SERVICES, AND ANY CONTENT TO YOU, AND CURU WOULD NOT PROVIDE THE SITE, THE SERVICES OR ANY CONTENT TO YOU WITHOUT THIS LIMITATION.

Governing Law

These Terms and the relationship between you and Curu shall be governed and construed in accordance with the laws of the State of Delaware and the United States, without regard to conflict of law provisions. By using this Site, you agree that regardless of any statute or law to the contrary, any cause of action or claim you may have with respect to the Site or these Terms must be commenced within one (1) year after the claim or cause of action arises or be forever barred.

Miscellaneous

We reserve the right to modify the Site and/or the Services at any time without your notice. If you object to any changes to the Site or Services, your sole recourse will be to stop using them. These Terms, and any rights granted hereunder, may not be transferred or assigned by you, but may be assigned by Curu without restriction. Curu’s failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior or contemporaneous agreements we might have between us regarding the Service. Neither the course of conduct between use nor trade practice will act to modify any of these Terms.

Jurisdictional Issues

The Site is controlled and operated in the United States of America and Canada. The Site may not be available to users outside the United States and Canada. We make no representation that materials on the Site are appropriate or available for use in other locations, and access to them from territories where their content is illegal is prohibited. Those who choose to access the Site from locations outside the United State and Canada do so on their own initiative and are responsible for compliance with all applicable local laws. You may not use or export the materials in violation of United States or Canada, or any other jurisdiction’s, export, re-export or import laws or regulations.

Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. Any changes to these Terms will become effective upon posting of the revised terms. By continuing to use the Site or to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please immediately cease using the Site and our Service.

Contact Us

If you have any questions about these Terms, please contact us at support@CuruCredit.com.

The CuruCredit.com website is operated by Curu, Inc. (“Curu” or “we”, “us” or “our”). This Privacy Policy applies to CuruCredit.com website, and any other websites powered by Curu, social media page or mobile application offered, which references or links to this Privacy Policy (collectively, the “Site”).

Visit this page often to ensure you are aware of our current policy as this policy may be changed, modified or amended at any time. Curu will notify you of any material changes, modifications or additions by either announcing the change on our Site or taking such other action as we deem appropriate under the circumstances, including, without limitation, posting the revised version of the privacy policy on our privacy policy page of the Site. Any changes to this Privacy Policy will become effective upon posting. By continuing to use the Site following such changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Privacy Policy, as it may be amended periodically, in whole or in part, please do not continue to use this Site. Your access to and use of this Site are subject to our Terms of Service.

How does Curu safeguard your personal information?

• We maintain physical, electronic, and procedural safeguards on your information. While no method is 100% secure, we make commercially reasonable efforts to handle such information consistent with this Privacy Policy and applicable law. Due to the design of the Internet and other factors outside our control, we cannot guarantee that communications between you and our servers will be free from unauthorized access by third parties.
• No data is stored on the user’s electronic device. The system is communicating between third party services.
• Curu will use a secure server through reputable cloud storage providers like Amazon Web Services, Digital Ocean, Google Cloud and will not use any open source CMS.
• Authorized employees have been trained on how to handle information properly and are subject to strict limitations and guidelines in the handling of that information.

What information do we collect, how do we collect it, and how do we use it?

• “Personal information” is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify a person in context. The personal information you may be asked to enter and we may collect on our Site includes your full name, address, phone number, and email address.
• We also capture “traffic data”, such as Internet Protocol (IP) address used to connect your computer to the Internet, browser type, device type used to access the Site (i.e., computer or mobile device), user browsing time, click path taken through the Site and other information about how the Site is accessed or used. Traffic data is generally non- identifying, but if we associate it with you as an identifiable person, we will treat it as personal information. IP addresses are retained and used only in the event that there are issues relating to the origin of a payment transaction. We also use traffic data to maintain and help diagnose problems with our Site, to aid in strategic development and to help administer and audit usage of the Site. Technologies we use to collect traffic data may include cookies (data files placed on your computer or other electronic devices used to access the Site), mobile analytics software and pixel tags (transparent graphic images, sometimes called web beacons or tracking beacons, placed on a web page or in an email, which indicate that a page or email has been viewed). If you disable or opt-out of receiving cookies, some features and services on the Site may not work as intended and you may not have access to all of the services and features we may offer.
• We use your personal information to register and provide you with our services and to communicate with you regarding your requests. We also use your information to send periodic emails about our services and to administer and protect the Site.

To what parties do we disclose personal information?

• We may share your information with our designated third party service providers (“Service Providers”). Our Service Providers perform certain business-related functions on our behalf. When we employ a Service Provider that Service Provider will only be provided with the particular personal information it needs to perform its function.
• We may also share your information with our designated third party service partners (“Service Partners”). In these relationships, we are a service provider to our Service Partner and will perform certain business-related functions on their behalf, such as hosting their website’s content library.
• We may also share your personal information with third-party affiliates to provide you with offers, promotions, and other marketing messages that may be of interest to you. By using our service, you consent to the automatic submission of your data to these third-party affiliates. If you wish to opt-out of these communications, please contact us at support@curucredit.com.
• We may also release your information if requested by law enforcement, or if agencies or authorities with whom we are legally required to cooperate request it. We may disclose information during the investigation of fraud or illegal activity. For example, we may disclose personal information in response to a subpoena, warrant, court order, or comparable legal process pursuant to applicable law.
• We reserve the right to transfer any information we have about you in connection with a sale, merger, consolidation, change of control, transfer of assets, reorganization or liquidation of our business.

What are your privacy choices?

• You can help us maintain the accuracy of your information by notifying us of any changes. If you have previously given your personal information to us and no longer want to be contacted, please email support@CuruCredit.com. We may not be able to correct or update your personal information previously provided to us by third parties. If you sign up for an electronic newsletter or email list, each message will include instructions for how to “unsubscribe.” Your option not to receive promotional or marketing emails from us will not prevent us from corresponding with you, by email or otherwise, regarding your existing or past relationship with us and will not prevent us from accessing or viewing your personal information in the course of maintaining and improving our Site and Services.
• You have the ability to view and update your personal information any time by logging into your account.
• You have the choice of closing your Curu account. If you choose to close your account, we will mark your account in our database as closed but will keep your personal information in our database. Your information will be used only for fraud prevention, to assist law enforcement, or as permitted by law.
• You have the ability to review the Curu Privacy Policy anytime by clicking the Privacy link on the Curu website or any website hosted by Curu.
• If you have any other questions about Curu’s privacy practices, please click the 'Contact Us' link on this website.

Do Not Track Requests; Third Party Tracking

• Unless your browser settings are configured to make your online activities and publicly available information about your online activities (such as traffic data as described above) invisible to usage analytics tools, we do not presently have the capability to omit you from usage analytics to the extent your browser only sends us a “do not track” message and does not otherwise screen you from tracking without any action on our part.
• Third parties, other than our Service Providers, do not have authorization from us to track which websites you visited prior to and after visiting the Site. That said, we cannot control third party tracking and there may be some third party tracking that occurs without our knowledge or consent.

Links to Other Sites

• This Site may contain links to other websites. These links are made available to you as a convenience, and you agree to use these links at your own risk.
• We are not responsible for the privacy practices or content of such third-party websites. If you navigate to a third-party website from this website, we encourage you to check the applicable privacy policy of the third-party website.

Children’s Privacy

We do not knowingly collect personal information from individuals under the age of 13 without obtaining verifiable consent from their parents. We request that individuals under the age of 13 do not provide personal information to the Site.

Contact Us

If you have any questions about this Privacy Policy, please contact us at support@CuruCredit.com.