The earnie Inc (together with its affiliates, "earnie", "we", "us" or "our") provides this website (the "Site") and the various services available through the Site, including, but not limited to, through earnie’s APIs, dashboards, widgets, portals, related tools and applications (collectively, the "earnie Services") for informational purposes only.
The purpose of earnie Services is to help developers, small and medium businesses, and small and medium enterprises worldwide deploy and manage sophisticated financial technology platforms and applications. We cannot and do not warrant or guarantee the accuracy, timeliness, completeness, sequence, or adequacy of any information used in the earnie Services. We do request, however, that if you believe that any content on the Site (or used/included in the earnie Services) contains misappropriated content, or is otherwise in violation of any law, rule, or regulation, that you notify us at firstname.lastname@example.org
Each and every transaction, idea, view, opinion, and/or other information concerning any company, property, product, service, security, instrument or any other matter (collectively, "information") submitted by a user for posting on the Site [or use in the Services] is solely that of the participant and does not reflect any information of earnie and/or its officers, employees, partners, suppliers, and agents.
You agree and understand that you are responsible for maintaining the confidentiality of your password and other logs on information, including, but not limited to, any API keys, API secrets, or similar access credentials, which, together with your (log on) email address or username, allows you to access and use the earnie Services. That email address/username and password, together with any mobile number, address, other contact information, or any other personal information you provide from your "Registration Information."
By providing us with your email address, you agree to receive all required notices electronically, to that email address. It is your responsibility to update or change that address, as appropriate. Notices will be provided in HTML (or, if your system does not support HTML, in plain-text) in the text of the email or through a link to the appropriate page on our site, accessible through any standard internet browser.
If you become aware of any unauthorized use of your Registration Information, please notify us immediately at the email address email@example.com
The following payment terms are applicable to those users desiring to access earnie’s Experiment, Build, Expand, or Transform Plan ("Plan" or "Plans"). With regard to other earnie Services, earnie accepts, and various users pay, via means other than the payment methods described below. Those users that have established other payment methods with earnie do not necessarily need to comply with the payment terms below.
You acknowledge and agree that you will provide earnie and/or the Payment Provider with current, complete and accurate information for your earnie account and that you will update such information as required. You further acknowledge and agree that you will promptly notify us, Payment Provider, and your Payment Provider if you become aware of any potential breach of security regarding your chosen payment method.
All API keys and other similar earnie-designed software are functionally designed solely for use on earnie’s solution platform. No API keys or software, in any form acquired or received by you from earnie, are, or will be, a security, security offering, or investment product, as generally defined and construed by the laws and regulations of the United States. In the event you obtain software from earnie, you will not be able to redeem the received software for cash, cryptocurrency, digital currency, or any other consideration. earnie software does not, and will not, entitle you to any equity, governance, voting, or similar right or entitlement in earnie or in any of its affiliated entities. earnie does not recommend you attempt to receive or use earnie software unless you have prior experience with APIs or financial technology software. ANY API KEYS AND/OR OTHER SOFTWARE IN ANY FORM PROVIDED BY THE earnie INC ARE TO BE USED BY DEVELOPERS AND/OR ENTERPRISES SOLELY TOGETHER WITH, OR ON, THE earnie SOLUTION PLATFORM. ANY SUCH SOFTWARE IN ANY FORM PROVIDED BY THE earnie INC TO ANY RECEIVER OF SUCH SOFTWARE IS NOT TO BE SUBLICENSED OR SOLD TO A THIRD PARTY ABSENT A SEPARATE AND DISTINCT NAMED CONTRACTUAL AGREEMENT EXECUTED BY AND BETWEEN YOU AND THE earnie INC.
earnie reserves the sole right to limit distribution of API keys to individuals from (i) nation-states sanctioned by the Treasury Department’s Office of Foreign Asset Control (OFAC), including but not limited to the Balkans, Belarus, Burma, Côte D’Ivoire, Cuba, Democratic Republic of Congo, Iran, Iraq, Liberia, North Korea, Sudan, Syria, and Zimbabwe; (ii) or nation-states where concerns exist surrounding said state’s ability to protect the Company’s intellectual property, including China, Russia, and Ukraine. Additionally, earnie reserves the sole right to limit distribution of API keys to individuals or businesses using (i) masked or duplicate IP addresses; (ii) duplicate or invalid email addresses; (iii) duplicate Github addresses; (iv) duplicate passwords; (v) incorrect or invalid first and last names; (vi) usage of the Platform Services don't qualify as technology development.
When using the earnie Services, you must comply with all applicable laws, including without limitation, any applicable foreign or domestic regulatory body, national, or other securities exchanges, including rules against making false or misleading statements to manipulate the price of a security. You will not, and will not permit anyone else to: (a) store, copy, modify, distribute, or resell any of the information or compile or collect any information as part of a database or other work, including but not limited to earnie API keys or other software; (b) use any automated tool (e.g. robots, spiders) to use the earnie Services or the Site or store, copy, modify, distribute, or resell any information; (c) rent, lease, or sublicense your access to the earnie Services to another person; (d) use the earnie Services for any purpose except for your own personal use; (e) circumvent or disable any digital rights management, usage rules, or other security features of the earnie Services; (f) use the earnie Services in a manner that threatens their integrity, performance, or availability; (g) use the earnie Services to disseminate or communicate in any way any information that would be considered "insider" or "non-public" information about any company or investment; or (h) remove, alter, or obscure any proprietary notices (including copyright notices) on any portion of the earnie Services or the Site.
earnie is not providing lending, investment, tax, or legal advice, acting as a fiduciary, or endorsing any company, property, product, service, security, instrument, or any other matter by posting any participant submitted information on the Site or including in the earnie Services. earnie is not dispensing payment processing, investment advisory, insurance advisory, financial planning, or other services on the Site or via the earnie Services. We do not purport to tell people or suggest to people what they should buy or sell for themselves. Neither earnie nor any of its affiliates is responsible for any financial decision made by participants on the basis of using the earnie Services. Participants should always read the corresponding prospectus, check with their licensed lender and financial advisor, and their tax advisor, to determine the suitability of any financial product. Please conduct your own due diligence. Finally, the passage of time can render all information stale, and neither earnie nor any earnie affiliate is responsible for any misconceptions that may result from the reading of dated information.
All information posted by earnie employees and/or affiliated persons, such as blog posts or other content, is designed purely for the entertainment of earnie users. None of this information is designed to represent advice of any kind (as described in the preceding paragraph).
Any user may view the information included in the earnie Services or posted on the Site for informational purposes only. No part of this information may be redistributed, copied, re-purposed, or reproduced without our prior written consent. The information included in the earnie Services or contained in the Site is subject to change without notice.
The information included in the earnie Services or posted on the Site: (i) is not, and should not be deemed, an offer to sell or a solicitation of an offer to buy, any securities or any other investments in any jurisdiction; (ii) should not be used by others in connection with any sale, offer for sale or solicitation of an offer to buy securities or any other investments, and (iii) is not a recommendation or opinion for you to participate in any transaction.
We shall have no liability for investment or other financial product decisions based upon any of this information and/or decisions based upon a contrarian view of any of this information. We specifically disclaim any and all liability or loss arising out of any action taken in reliance on this information, including but not limited to market value or other loss on the sale or purchase of any company, property, product, service, security, instrument, or any other matter.
Past performance may not be indicative of future investment results. Any investment involves potential risk, including potential loss of capital. Please consult your legal, tax, and financial advisors in connection with any potential sale or purchase of any company, property, product, service, security, instrument, or anything else of any value.
Your use of the hyperlinks on the Site or otherwise included in any earnie Services to other Internet sites is at your own risk. We are not responsible for third-party sites hyperlinked from the Site or through the earnie Services, nor do we make any endorsements or warranties, express or implied, with respect to the content of third-party websites or the products or services offered on any third-party websites, including but not limited to accuracy, completeness, reliability, suitability, non-infringement, merchantability or fitness for a particular purpose. We do not warrant or represent that any third-party site or the content thereon, is devoid of viruses or other contamination. We do not guarantee the authenticity of documents available on the Internet. We reserve the right to terminate any link at any time.
You understand that all information, whether publicly posted or privately transmitted, is the sole responsibility of the participant from whom such information originated. This means that you, and not us, are entirely responsible for all information that you upload, post, email, transmit or otherwise make available to us, the Site, or other users.
You acknowledge the following: (i) we do not pre-screen or review participant-submitted information, but that we and our designees shall have the right (but not the obligation) in our and their sole discretion to pre-screen, refuse, move or remove any such information, (ii) we may monitor and record activity on the Site for any reason or for no reason, (iii) we may investigate any complaint or reported violation of our policies, and (iv) we may report any activity that we suspect may violate any law or regulation to regulators, law enforcement officials or other persons or entities that we deem appropriate.
You may choose to provide us with information that we will use to view your activity on other websites and at financial institutions such as brokerages and banks. Such information may include: account trade confirmations, account statements, account position and balance information, loan and credit information, real estate information, mortgage, hypothetical or "mock" trades and position information from other investment websites, and other related information from financial institution websites and other websites. In order to retrieve this information ("Client Information"), you may supply us with the credentials that you use to log into online portals at your financial institutions or a third-party API or technology providers; this may include usernames, passwords, PIN numbers, API keys, multi-factor authentication questions and answers, one-time access PINs, and other related information ("Credentials").
You agree that such Client Information and Credentials and the use of our data retrieval software in the context of Site usage is subject to the following terms:
Accurate Information: You, the end-user, agree to provide true, accurate, current, and complete information about yourself and your accounts maintained at other websites and you agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate.
Right to Share Information: You represent that you are entitled to submit your Credentials and other such information to earnie for the uses described in this Section.
Third-Party Access: By using the Site, you authorize earnie to access third-party sites and APIs designated by you, on your behalf, to retrieve information requested by you, and to register for accounts requested by you. For all purposes hereof, you hereby grant earnie a limited power of attorney, and you hereby appoint earnie as your true and lawful attorney-in-fact and agent, with the full power of substitution and resubstitution, for you and in your name, place, and stead, in any and all capacities, to access third-party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN earnie ACCESSES AND RETRIEVES INFORMATION FROM THIRD-PARTY SITES, earnie IS ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that third-party account providers shall be entitled to rely on the foregoing authorization, agency, and power of attorney granted by you. You understand and agree that the earnie Services are not endorsed or sponsored by any third-party account providers accessible through the earnie Services or the Site.
Feedback: You may from time to time identify problems, solutions to identified problems, provide suggestions, comments, or other feedback related to the earnie Services, the Site or otherwise relating to earnie ("Feedback") to earnie. You acknowledge and agree that all Feedback is and shall be given entirely voluntarily and earnie shall be free to use or disclose such Feedback for any purpose. You further acknowledge and agree that your Feedback does not contain confidential or proprietary information and you are not entitled to any compensation or reimbursement of any kind from earnie under any circumstances relating to such Feedback.
YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
YOUR USE OF THE earnie SERVICES AND ALL INFORMATION, PRODUCTS, AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE IN CONNECTION THEREWITH IS AT YOUR SOLE RISK. THE earnie SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. earnie EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND AS TO THE earnie SERVICES, INCLUDING BUT NOT LIMITED TO, ANY AND ALL INFORMATION, PRODUCTS, AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE THROUGH THE earnie SERVICES OR FROM THE SITE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A earnie PARTICULAR PURPOSE AND NON INFRINGEMENT.
MAKES NO WARRANTY THAT (i) THE earnie SERVICES WILL MEET YOUR REQUIREMENTS, (ii) THE earnie SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE earnie SERVICES WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF THE earnie SERVICES OR ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH earnie SERVICES OR THE SITE WILL MEET YOUR EXPECTATIONS, OR (V) ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED.
NOTHING IN THIS AGREEMENT OPERATES TO EXCLUDE, RESTRICT OR MODIFY THE APPLICATION OF ANY IMPLIED CONDITION, WARRANTY OR GUARANTEE, OR THE EXERCISE OF ANY RIGHT OR REMEDY, OR THE IMPOSITION OF ANY LIABILITY UNDER LAW WHERE TO DO SO WOULD: (A) CONTRAVENE THAT LAW, OR (B) CAUSE ANY TERM OF THIS AGREEMENT TO BE VOID.
By reading these Terms and Conditions and using the earnie solution platform and/or software, you represent and warrant to earnie on the date of such access or use as follows: (a) you agree and acknowledge that no information provided by earnie’s website, social media or supporting documents constitutes a prospectus or offer document of any sort and are not intended to constitute an offer of securities or corporate equity in any jurisdiction or a solicitation for investment, and you are not bound to enter into any contract or binding legal commitment; (b) you agree and acknowledge that any receipt of earnie’s software was accomplished solely for the purposes outlined on earnie’s website, social media or supporting documents, and chiefly for the development of the earnie solution platform; (c) you agree and acknowledge that earnie API keys or other software do not constitute securities, or an investment in earnie in any form and in any jurisdiction; (d) you agree and acknowledge that the undertaking and/or acquisition of earnie software, or future dissemination of earnie software via a secondary market shall not be construed, interpreted or deemed by you as an indication of the merits of earnie, or earnie software; (e) your receipt and/or use of earnie software and the earnie platform is not prohibited or restricted by applicable laws, regulations or rules of your jurisdiction; (f) you agree and acknowledge that in the case where you wish to receive earnie software, in whatsoever form such software appears, that such software is not to be construed, interpreted, classified or treated as: a currency or commodity, debentures or shares issued by a person or entity, rights under a contract for differences or under any other contract the purpose or purported purpose of which is to secure a profit or avoid a loss, units in a collective investment scheme, units in a business trust, derivatives of units in a business trust, any other security or class of securities, or any other type of investment and (g) you have a basic degree of and understanding of the operation, functionality, usage, storage, transmission mechanisms and other material characteristics of API based systems and software.
UNDER NO CIRCUMSTANCES WILL EARNIE, ITS AFFILIATES, EMPLOYEES, AGENTS, REPRESENTATIVES, LICENSORS, OR OTHER THIRD-PARTY PARTNERS ("EARNIE PARTIES") BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY INDIRECT, INCIDENTAL, PUNITIVE, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF THE EARNIE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY; INCLUDING WITHOUT LIMITATION DAMAGES RESULTING FROM LOST PROFITS, LOST DATA, LOSS OF BUSINESS OR BUSINESS INTERRUPTION, WHETHER DIRECT OR INDIRECT, ARISING OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF THE EARNIEe SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY. YOUR SOLE AND EXCLUSIVE REMEDY UNDER THIS AGREEMENT SHALL BE FOR YOU TO DISCONTINUE YOUR USE OF THE EARNIE SERVICES.
EARNIE PARTY’S TOTAL CUMULATIVE LIABILITY SHALL IN NO EVENT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID EARNIEe FOR YOUR USE OF THE EARNIE SERVICES IN THE PRIOR THREE (3) MONTHS; AND (B) THE SUM OF ONE HUNDRED (100) US DOLLARS.
SOME STATES OR JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY. IN SUCH STATES OR JURISDICTIONS, THE EARNIE PARTIES’ LIABILITY TO YOU SHALL BE LIMITED TO THE FULL EXTENT PERMITTED BY LAW.
EACH PROVISION OF THESE TERMS THAT PROVIDES FOR A LIMITATION OF LIABILITY, DISCLAIMER OF WARRANTIES, OR EXCLUSION OF DAMAGES IS TO ALLOCATE THE RISKS OF THIS AGREEMENT BETWEEN THE PARTIES. THIS ALLOCATION IS REFLECTED IN THE PRICING OFFERED BY EARNIE TO YOU AND IS AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN THE PARTIES. EACH OF THESE PROVISIONS IS SEVERABLE AND INDEPENDENT OF ALL OTHER PROVISIONS OF THESE TERMS. THE FOREGOING LIMITATIONS WILL APPLY NOTWITHSTANDING THE FAILURE OF THE ESSENTIAL PURPOSE OF ANY LIMITED REMEDY IN THIS AGREEMENT.
YOU AND WE HEREBY WAIVE THE RIGHT TO TRIAL BY JURY IN ANY ACTION ARISING OUT OF OR RELATING TO THESE TERMS OR THIS WEBSITE.
We provide the Services from facilities in the United States. We do not claim, and we cannot guarantee that Services we provide from the United States are or will be appropriate or available for any other location or jurisdiction, comply with the laws of any other location or jurisdiction, or comply with Laws governing export, import, or foreign use.
In the event that any provision of these terms is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable provision.
Other agreements may apply to specific products and services offered through the earnie Services. Agreements applicable to a specific product or service supersede these terms.
Section headings are for convenience only.
As with any technology product or website, elements of earnie and the earnie Services continue to be developed and may change from time to time. While no earnie Services are guaranteed to be fully operational or accurate at any time, the ongoing development process may mean that services may be unavailable and under construction from time to time. By agreeing to participate as an earnie Services user, you acknowledge that functionality of the earnie Services may be altered or removed, either in part or completely, at any time.
Furthermore, you represent to us that: (a) you are not currently employed or in any way affiliated with (or plan to be employed or in any way affiliated with) one of earnie’s competitors in the API, no-code, banking, and lending as a service, or fintech software business; (b) you will not distribute any information about earnie, the earnie Services or the Site, to any parties for the purposes of competition with earnie or the earnie Services; (c) engage in any competition with earnie in any service currently offered by earnie or offered at any time when you accessed or otherwise used the earnie Services; (d) distribute any information about earnie to any person in the media; or (e) publish any information about earnie in any public medium, including but not limited to, other websites, blogs, newspapers, magazines, or television programs. If there is a conflict with any of the above areas, prior approval must be granted by earnie in writing before you can use the earnie Services or distribute the information described above.
The earnie Services, the Site, and the information included or otherwise reflected therein contain copyrighted material, trademarks, and other proprietary information, including text, graphics, and software. earnie is the owner of the copyright in the earnie Services and the Site, as well as the copyright in any information original to earnie. Each participant, or other third-party providers of information, owns the copyright in the information original to it. Except as permitted under copyright law, you shall not copy, redistribute, publish or commercially exploit the earnie Services, the Site, any portion of thereof, or any of the information included or reflected therein without the expressed written consent of the respective owner(s) thereof.
earnie’s trademarks (including any service marks) and logos are the property of earnie. All other trademarks appearing in the earnie Services or on the Site are the property of their respective owners. Nothing contained in the earnie Services or on the Site should be construed as granting by implication, or otherwise, any license or right to use the trademarks or logos appearing in the earnie Services or on the Site without the express written consent of the owner thereof.
earnie respects the intellectual property rights of others and expects that you do the same. It is our policy to terminate, in appropriate circumstances, the accounts of subscribers who infringe the copyrights of others. You may not upload, download, post, publish, transmit, reproduce, or distribute in any way, files, material, information, software, or other material obtained through the earnie Services or the Site that is protected by copyright or other proprietary right or derivative works with respect thereto, without obtaining permission of the copyright owner or other right holder. earnie has the right, but not the obligation, to remove from the earnie Services and/or the Site any files, material, information, software or other material earnie believes is or may be, in its sole discretion, infringing or otherwise in violation of the rights of others.
earnie takes claims of copyright infringement seriously. We will respond to notices of alleged copyright infringement that comply with applicable law. If you believe any materials accessible on or from this website or the services available through this website (the "Site") infringe your copyright, you may request removal of those materials (or access to them) from the Site by submitting written notification to our Copyright Agent (designated below). In accordance with the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act (17 U.S.C. § 512) ("DMCA"), the written notice (the "DMCA Notice") must include substantially the following:
If you believe in good faith that your copyright has been infringed, please provide a written communication regarding such belief to:
Attn: earnie legal
If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your DMCA Notice may not be effective.
Please be aware that if you knowingly materially misrepresent that material or activity on the Site is infringing your copyright, you may be held liable for damages (including costs and attorneys’ fees) under Section 512(f) of the DMCA.
If you believe that material you posted on the Site was removed or access to it was disabled by mistake or misidentification, you may file a counter-notification with us (a "Counter-Notice") by submitting written notification to our copyright agent (identified below). Pursuant to the DMCA, the Counter-Notice must include substantially the following:
If you believe in good faith that the copyright notice has been filed in error, please provide a written communication regarding such belief to:
The DMCA allows us to restore the removed content if the party filing the original DMCA Notice does not file a court action against you within ten business days of receiving the copy of your Counter-Notice.
Please be aware that if you knowingly materially misrepresent that material or activity on the Site was removed or disabled by mistake or misidentification, you may be held liable for damages (including costs and attorneys’ fees) under Section 512(f) of the DMCA.
It is our policy in appropriate circumstances to disable and/or terminate the accounts of users who are repeat infringers.
earnie software products are not securities and are part of the earnie solution platform. earnie is not responsible for, nor does it pursue, the circulation and trading of earnie software received by its users on any market.
Negative publicity involving earnie, earnie’s business platform, earnie software or any of the key personnel of earnie and/or regulation of banking, lending, payments, insurance, investments, debit cards, and personal loans may materially and adversely affect the perception or viability of the earnie solution platform, whether or not so justified.
earnie Services rely on third-party APIs and third-party vendors that may be unavailable or down, causing the earnie Services to be unavailable or down, for extended periods of time. This risk to the end-users of the earnie Services may include failed debit or credit card transactions, failed payments, failed trades, and other financial failures. earnie will do its best to restore earnie Services as quickly as possible.
API keys and other earnie Services are based on new and dynamic technologies. In addition to the risks included in the above discussion of risk factors, there are other unanticipated, unforeseeable risks associated with your use of the earnie software.
You acknowledge and agree that earnie may provide notices and other disclosures to you electronically by posting such notices or other disclosures on the Site or by emailing it to you at any email address provided to earnie by you. Such notices or other disclosures shall be considered received by you following the posting on the website or twenty-four (24) hours following the email being sent to you, as applicable. Any such electronic notice or other disclosure shall have the same effect and meaning as if it had been provided to you as a paper copy.