Terms & Conditions
Effective Date: September 16, 2024
The websites https://www.ourfamilywizard.com and https://www.custodynavigator.com (collectively along with any other website posting these Terms, as defined below, the “Site”) is operated by OurFamilyWizard, LLC (“we, “us,” “our” or “OurFamilyWizard”). The following Terms & Conditions, together with any documents referred to in them, (collectively, these “Terms”) apply to our users’ (“you” or “your”) use of our website, other services offered at the Site, our Custody Navigator services, and our mobile application where these Terms are posted (together, the “System”).
PLEASE READ THESE TERMS & CONDITIONS AND OUR PRIVACY POLICY CAREFULLY BEFORE DOWNLOADING THE MOBILE APPLICATION, REGISTERING AN ACCOUNT, AND/OR USING ANY PART OF THE SYSTEM. IF YOU DO NOT ACCEPT THESE TERMS, YOU MAY NOT DOWNLOAD, USE, OR ACCESS ANY PORTION OF THE SYSTEM.
These Terms are between you and OurFamilyWizard only. OurFamilyWizard is solely responsible for the System. Apple, Inc. and Alphabet, Inc. and Amazon.com Services, LLC are not a party to these Terms; however, Apple, Inc., Alphabet, Inc., and Amazon.com Services, LLC and their subsidiaries are third party beneficiaries of this Agreement as it pertains to the mobile application. As such, once you accept these Terms, Apple, Inc., Alphabet, Inc., and Amazon.com Services, LLC shall have the right to enforce these Terms against you as they pertain to our mobile application.
By using the System, you agree to the Terms & Conditions. If you do not agree to these Terms or our Privacy Policy, do not use or access the System.
Revision to the Terms & ConditionsWe may revise and update these Terms & Conditions in our sole discretion, and will post any updates to the Terms on the System. Your continued use of our System, or any other service provided through System, means that you accept and agree to the modified Terms & Conditions.
A. Disclaimer
The System is not a substitute for the professional judgement of an attorney, mediator or other professional. We do not give legal advice, nor do we provide legal services. You acknowledge that your reliance upon the System is solely at your own risk.
B. License Grant; Site Access; Information You Provide
Subject to these Terms, we hereby grant, and you hereby accept, a limited, non-exclusive, non-transferable, revocable license to download the mobile application and use the System. As a condition of your use of the System, you warrant that you will not use the System for any purpose that is unlawful or prohibited by these Terms. You may not use the System in any manner that could damage, disable, overburden, or impair the System, or interfere with any other party's use and enjoyment of the System. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the System.All content included as part of the System, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the System is our property or the property of our suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree that you will not copy, modify, alter, revise, paraphrase, display, store, timeshare, sublicense, publish, transmit, sell, rent, lease or otherwise transfer or distribute any content, in whole or in part, found on the System or any portion thereof, or create derivative works thereof, except as specifically authorized herein. You further agree not to modify in any way, or delete, any warnings, notices, liability limitations, or other license provisions contained on the System. Your use of the System does not entitle you to make any unauthorized use of any protected content, and in particular, you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without our express written permission. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to our intellectual property or our licensors, except as expressly authorized by these Terms.In the event of any third party claim that the System infringes that third party’s intellectual property rights, OurFamilyWizard, not Apple, Inc. nor Alphabet, Inc. or Amazon.com Services, LLC, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim.All information you provide to us through the System must be current, accurate, and complete. If we at any time discover any error or omission in the information you provide to us, we may, at our option, terminate your right to access and use the System. You represent and warrant that you have all rights necessary to receive, use, transmit, and disclose all data that you use in any way with the System.
C. Subscription and Cancellation
A subscription to the System can be purchased through the Site (the “Subscription”). Your use of the System is subject to your payment of a subscription fee, plus applicable taxes (the “Subscription Fee”) for the term selected (the “Subscription Period.”) By purchasing a Subscription or any optional premium feature, you authorize OurFamilyWizard or its service provider to charge you via your selected payment method immediately. You have 30 days from the date of purchase of a Subscription or premium feature to receive a full refund. No refunds will be granted after the initial 30 days have passed.Your Subscription and premium features will automatically renew for additional Subscription Periods of the same length unless you cancel the auto-renewal. You may cancel the auto-renewal of a Subscription or premium feature through your account settings, or by contacting customer service at info@ourfamilywizard.com of (866) 755-9991.Upon expiration of your Subscription, you will receive two (2) grace logins to allow access pending your renewal. Thereafter, a renewal payment is required before further access to the System is granted.
D. User Content on the System
To the extent portions of the System allow you to comment or otherwise post regarding content on the Site (“User Content”), you may not post User Content that:Violates any copyright, trade mark rights, patent rights, rights in know-how, privacy or publicity rights, trade secret rights, confidentiality rights, contract rights, or other rights of any individual or legal entity;Is harmful; hateful; threatening; abusive; harassing; defamatory or libelous; sexually explicit, vulgar, lewd, obscene, or pornographic; racially, ethnically, or otherwise objectionable or offensive; inappropriate; or inflammatory;You know (or reasonably should know) is false, deceptive, or misleading;Contains information that could be used for identity theft purposes, such as social security numbers, credit card, bank account, or other financial information, driver’s license numbers, security codes, passwords, or other authentication methods;Links to materials or other content, directly or indirectly, to which you do not have a right to link or that violates these restrictions; orViolates any applicable local, state, national, or international law.By posting User Content on the System, you represent and warrant that the posting of your User Content does not violate these Terms & Conditions or applicable laws.OurFamilyWizard does not and shall not have any obligation to review User Content, and therefore we do not guarantee the accuracy, integrity, or quality of User Content and we cannot assure you that harmful, inaccurate, deceptive, offensive, threatening, defamatory, unlawful, or otherwise objectionable User Content will not appear on our System. We do, however, reserve the right to review any or all User Content in our sole discretion. In addition, we reserve the right to alter, edit, or remove any User Content, in whole or in part, at our sole discretion.UNDER NO CIRCUMSTANCES SHALL OURFAMILYWIZARD OR ITS AFFILIATES BE LIABLE IN ANY WAY FOR ANY USER CONTENT POSTED ON OR MADE AVAILABLE THROUGH THE SYSTEM. We do not control, have no obligation to monitor, and are not responsible for what users post, and are not responsible for any offensive, inappropriate, obscene, unlawful, infringing, or otherwise objectionable or illegal User Content on the System.
E. Security and Updates
A password or another form of authentication (“Authentication Method”) is required to access and use the System. You are solely responsible for (1) maintaining the strict confidentiality of the Authentication Method assigned to or created by you, (2) instructing any individual to whom you disclose your Authentication Method not to allow another person to use your Authentication Method to access the System without your express permission, (3) any charges, damages, or losses that may be incurred or suffered as a result of your failure, or the failure of any individual using your Authentication Method, to maintain the strict confidentiality of the Authentication Method, and (4) promptly informing us in writing of any need to deactivate an Authentication Method due to security concerns. We are not liable for any harm related to authorization, disclosure or theft of your Authentication Method. You agree to immediately notify us of any unauthorized use of your Authentication Method. You will be liable for any use of the System through your Authentication Method. Additionally, you are liable for any unauthorized use of the System until you notify us of any security breach.OurFamilyWizard may from time to time in its sole discretion develop and provide mobile application updates, which may include upgrades, bug fixes, patches, other error corrections, and/or new features (collectively, including related documentation, "Updates"). Updates may also modify or delete in their entirety certain features and functionality. You agree that OurFamilyWizard has no obligation to provide any Updates or to continue to provide or enable any particular features or functionality. Based on your mobile device settings, when your mobile device is connected to the internet either: (a) the mobile application will automatically download and install all available Updates; or (b) you may receive notice of or be prompted to download and install available Updates. You shall promptly download and install all Updates and acknowledge and agree that the mobile application or portions thereof may not properly operate should you fail to do so. You further agree that all Updates will be deemed part of the mobile application and be subject to these Terms.
F. Feedback
You agree to reasonably cooperate with us in providing any comments and other feedback with respect to use of the System or any component thereof. By submitting information to us, you grant to us and our affiliates a royalty-free, perpetual, irrevocable, non-exclusive, worldwide license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such information, subject to applicable laws and regulations, these Terms & Conditions, and our Privacy Policy.
G. Confidential Personal Information
The System enables you to transmit, store, and receive confidential personal information regarding you, your family or other persons. You represent and warrant that you will, at all times during the term of these Terms and thereafter, comply with all laws directly or indirectly applicable to you that may now or hereafter govern the gathering, use, transmission, processing, receipt, reporting, disclosure, maintenance, and storage of the confidential personal information. You further represent and warrant that you will use your best efforts to cause all persons or entities under your direction or control to comply with such laws. You are, at all times during the term of these Terms and thereafter, solely responsible for obtaining and maintaining all legally necessary consents or permissions, required or advisable, to disclose, process, retrieve, transmit, and view the confidential personal information you transmit, store, or receive in connection with the System. You agree that we, our licensors, and all other persons or entities involved in the operation of the System, have the right to monitor, retrieve, store and use confidential personal information in connection with the operation of the System, and that we are acting on your behalf in transmitting confidential personal information. We agree to use commercially reasonable efforts to maintain the confidentiality of such information and prevent the disclosure of such information to third parties except in connection with the transmission, storage, retrieval, and disclosure of such information on your behalf and as may be required or permitted by law. WE CANNOT AND DO NOT ASSUME ANY RESPONSIBILITY FOR YOUR USE OR MISUSE OF CONFIDENTIAL PERSONAL INFORMATION OR OTHER INFORMATION TRANSMITTED, MONITORED, STORED OR RECEIVED WHILE USING THE SITE OR ANY SERVICES OFFERED THEREON.
H. Warranty Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SYSTEM IS PROVIDED TO YOU ON AN “AS IS, WITH ALL FAULTS” BASIS, AND YOUR USE IS AT YOUR OWN RISK. WE MAKE NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND ANY WARRANTIES ARISING BY COURSE OF DEALING, CUSTOM OR TRADE. WE MAKE NO REPRESENTATION OR WARRANTY THAT ANY CONTENT IS ACCURATE, COMPLETE, APPROPRIATE, RELIABLE, OR TIMELY. WE MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO INFORMATION MARKED AS 'PRIVILEGED' BY USERS, AS THE DETERMINATION AS TO WHETHER OR NOT ANY GIVEN INFORMATION SHARED BETWEEN CLIENTS AND PROFESSIONALS IS PROTECTED BY ATTORNEY-CLIENT PRIVILEGE IS A FACT-SPECIFIC LEGAL QUESTION. FURTHER, WE ALSO MAKE NO REPRESENTATIONS OR WARRANTIES THAT YOUR ACCESS TO AND USE OF THE SYSTEM: (1) WILL BE UNINTERRUPTED OR ERROR-FREE, (2) IS FREE OF VIRUSES, UNAUTHORIZED CODES, OR OTHER HARMFUL COMPONENTS, OR (3) IS SECURE. YOU ARE RESPONSIBLE FOR TAKING ALL PRECAUTIONS YOU BELIEVE NECESSARY OR ADVISABLE TO PROTECT YOURSELF AGAINST ANY CLAIM, DAMAGE, LOSS OR HAZARD THAT MAY ARISE BY VIRTUE OF YOUR USE OF THE SYSTEM.
I. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNDER NO CIRCUMSTANCES WILL WE, OR ANY OF OUR PROVIDERS BE RESPONSIBLE OR LIABLE TO YOU OR ANY OTHER INDIVIDUAL OR ENTITY FOR ANY DIRECT, COMPENSATORY, INDIRECT, INCIDENTAL, CONSEQUENTIAL (INCLUDING LOST PROFITS AND LOST BUSINESS OPPORTUNITIES), SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES OR ANY DAMAGES WHATSOEVER THAT RESULT FROM OR RELATE IN ANY MANNER WHATSOEVER TO (1) USE OF THE SYSTEM OR ANY SERVICES OFFERED THEREON, (2) RELIANCE ON THE CONTENT BY YOU OR ANYONE USING YOUR AUTHENTICATION METHOD, OR (3) ERRORS, INACCURACIES, OMISSIONS, DEFECTS, UNTIMELINESS, SECURITY BREACHES, OR ANY OTHER FAILURE TO PERFORM BY US OR OUR CONTENT PROVIDERS. THE FOREGOING EXCLUSION SHALL APPLY REGARDLESS OF WHETHER WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.IF, NOTWITHSTANDING THESE TERMS & CONDITIONS, WE SHOULD HAVE ANY LIABILITY TO YOU OR ANY THIRD PARTY FOR ANY LOSS, HARM OR DAMAGE, YOU AND WE AGREE THAT SUCH LIABILITY SHALL UNDER NO CIRCUMSTANCES EXCEED THE LESSER OF $1,000 OR THE FEES YOU PAID TO US DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE DAY THE ACT OR OMISSION OCCURRED WHICH GAVE RISE TO YOUR CLAIM. YOU AND WE AGREE THAT THE FOREGOING LIMITATION OF LIABILITY IS AN AGREED UPON ALLOCATION OF RISK BETWEEN YOU AND US WHICH CONSIDERS THE FEES, IF ANY, WE CHARGE YOU TO USE THE SYSTEM. YOU ACKNOWLEDGE THAT ABSENT YOUR AGREEMENT TO THIS LIMITATION OF LIABILITY, WE WOULD NOT PROVIDE THE SYSTEM TO YOU.
J. Indemnity
You agree to defend, indemnify and hold us harmless from any claims, losses, expenses, costs or damages (including reasonable attorneys’ fees, expert fees; and other costs of litigation) arising from, incurred as a result of, or in any manner related to (1) your breach of these Terms & Conditions, (2) use of the System and any services offered thereon by you or any other person using your Authentication Method, (3) the unauthorized or unlawful use of the System by you or any other person using your Authentication Method, and (4) any claim that your content violates the intellectual property rights of a third party. We reserve the right, at our own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with us in asserting any available defenses.
K. Term and Termination
These Terms remain in force for the duration of your Subscription Period, including renewal Subscription Periods, or until terminated by any party. Upon termination, your access to the System will cease.Your right to access and use the System immediately terminates without further notice upon your breach of these Terms. We may terminate these Terms and/or your right to use the System at any time, with or without cause.Paragraphs A, B, G, H, I, J and K of these Terms survive the expiration or termination of these Terms for any reason whatsoever. We reserve the right to discontinue or make changes to the System at any time.
L. Links to Other Websites and Connecting through Social Media.
The System may contain hyperlinks to websites operated by third parties. We do not control such websites and will not be responsible for their content, or for any breach of contract, or any intentional or negligent action on the part of such third parties, which results in any loss, damage, delay, or injury to you or your companions. Inclusion of any linked website on the System does not imply or constitute approval or endorsement of the linked website by us. If you decide to leave the System to access these third-party sites, you do so at your own risk. All rules, policies (including privacy policies), and operating procedures of websites operated by third parties will apply to you while on such sites. We are not responsible for information provided by you to third parties.
M. Assignment/Waiver and Governing Law
We may assign these Terms, in whole or in part, in our sole discretion. You may not assign your rights under these Terms without our prior written permission. Any attempt by you to assign your rights under these Terms without our permission shall be void. The waiver by us of a breach of any provision of these Terms shall not operate or be construed as a waiver of any other or subsequent breach. If any provision of these Terms is held by a court of competent jurisdiction to be contrary to law, the remaining provisions of these Terms shall remain in full force and effect.These Terms are governed by the laws of the State of Minnesota without giving effect to any principles of conflicts of law. Any claim or dispute related to the System or under these Terms & Conditions, the Privacy Policy, and any legal notices on this System, must be instituted within one (1) year after the claim arose (if multiple claims, from the date the first claim arose), or be forever waived and barred. You agree that you will bring any claims in, and submit to the exclusive jurisdiction of, the state and federal courts located in the County of Hennepin, in the State of Minnesota.
N. Verified Customer Record
In order to use the payment functionality of our application, you must open a “Dwolla Platform” account provided by Dwolla, Inc. and you must accept the Dwolla Terms of Service and Privacy Policy. Users must be 18 years or older to use OFWpay with Dwolla. Any funds held in or transferred through the Dwolla Account are held or transferred by Dwolla’s financial institution partners as described in the Dwolla Terms of Service. You authorize us to collect and share with Dwolla your personal information including full name, date of birth, social security number, physical address, email address and financial information, and you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Dwolla account through our application, and Dwolla account notifications will be sent by us, not Dwolla. We will provide customer support for your Dwolla account activity, and can be reached at OurFamilyWizard.com, info@ourfamilywizard.com, and/or 866-755-9991.
O. OFWpay Fees
You understand that transactions via OFWpay may be assessed a flat transaction fee per transaction. In addition, you understand that you may incur additional fees if you send a payment using OFWpay that is returned for insufficient funds. These fees may vary based on the package, subscription, or add-ons that a user selected.
P. Plaid End User Privacy Policy
OurFamilyWizard uses Plaid to support OFWpay functionality. By signing up for OFWpay, you are also agreeing to Plaid's end user privacy policy: https://plaid.com/legal/#end-user-privacy-policy
Q. Twilio End User Privacy Policy
Please note that while we strive to protect your privacy and security, the use of external services and third-party providers introduces unique considerations. When you utilize features such as voice and video communication and recordings, you may be directed to services provided by Twilio, which is an independent third-party. We encourage you to review Twilio's privacy policy and terms of service to fully understand their practices and how they handle your data.
R. Communications and SMS messages
OurFamilyWizard text alerts are text messages that OurFamilyWizard subscribers can opt into to receive alerts for in-account activity, and they are associated with the following terms and conditions: Message and data rates may apply. Message frequency varies based on account activity, averaging 3-4 messages per week. Text “STOP” to end further messages or “HELP” for assistance. Contact customer support at 866-755-9991 or info@ourfamilywizard.com for further assistance. Read our privacy policy.
S. Artificial Intelligence (AI)
We may provide, as part of our Services covered by these Terms, solutions that include the use of artificial intelligence, such as recommending alternative phrasing to communications provided in the Services based on perceived tone and language choices. We do not allow any partners or third parties to use your data for training their own models. Notwithstanding the foregoing, pursuant to these Terms, we may use log data or analytics data to update, modify, or otherwise improve our Services. We will only disclose personal information or other information you intentionally enter or automatically submit to our artificial intelligence services in order to provide you with writing suggestions, insights, and other services that you have requested. You acknowledge that artificial intelligence systems are a rapidly evolving field. Although OurFamilyWizard is always working to improve its services, due to the probabilistic nature of machine learning, the output from artificial intelligence services may not always be accurate, complete, or available. You should not rely on such output from our services as a sole source of truth or factual information, or as a substitute for professional and therapeutic advice. It is your responsibility to evaluate the output of the artificial intelligence services for accuracy and appropriateness for your use case, including using human review as appropriate, before using, modifying, or otherwise releasing such output from the services. In addition, you agree you will not use any artificial intelligence functions to power, or make any decisions related to, any products or services that may involve personal injury or illegality. This disclaimer of warranty constitutes an essential part of the OurFamilyWizard Privacy Policy and these Terms that are fully incorporated as if rewritten herein. Some states do not allow limitations on how long an implied warranty lasts, so the foregoing limitations may not apply to you. Notwithstanding any of the foregoing – no warranties of any kind are made with respect to the software and services if it is provided on an evaluation basis.
T. Entire Agreement
These Terms contain the entire agreement between you and us relating to the subject matter hereof, and supersedes any other oral or written communications relating thereto. You agree that you have not relied on any other verbal or written statements, actions or representations by us, our employees, or agents in consenting to these Terms. These Terms may not be amended or supplemented by any document originated by you relating to the subject matter hereof, or any statements of any of our employees and agents.
Contact Information
To contact us with any questions or inquiries about these Terms & Conditions, please contact us at:
OurFamilyWizard, LLC
701 N Washington Ave, Suite 700
Minneapolis, MN 55401
(866) 755-9991
info@ourfamilywizard.com
PLEASE READ THESE TERMS & CONDITIONS AND OUR PRIVACY POLICY CAREFULLY BEFORE DOWNLOADING THE MOBILE APPLICATION, REGISTERING AN ACCOUNT, AND/OR USING ANY PART OF THE SYSTEM. IF YOU DO NOT ACCEPT THESE TERMS, YOU MAY NOT DOWNLOAD, USE, OR ACCESS ANY PORTION OF THE SYSTEM.
These Terms are between you and OurFamilyWizard only. OurFamilyWizard is solely responsible for the System. Apple, Inc. and Alphabet, Inc. and Amazon.com Services, LLC are not a party to these Terms; however, Apple, Inc., Alphabet, Inc., and Amazon.com Services, LLC and their subsidiaries are third party beneficiaries of this Agreement as it pertains to the mobile application. As such, once you accept these Terms, Apple, Inc., Alphabet, Inc., and Amazon.com Services, LLC shall have the right to enforce these Terms against you as they pertain to our mobile application.
By using the System, you agree to the Terms & Conditions. If you do not agree to these Terms or our Privacy Policy, do not use or access the System.
Revision to the Terms & ConditionsWe may revise and update these Terms & Conditions in our sole discretion, and will post any updates to the Terms on the System. Your continued use of our System, or any other service provided through System, means that you accept and agree to the modified Terms & Conditions.
A. Disclaimer
The System is not a substitute for the professional judgement of an attorney, mediator or other professional. We do not give legal advice, nor do we provide legal services. You acknowledge that your reliance upon the System is solely at your own risk.
B. License Grant; Site Access; Information You Provide
Subject to these Terms, we hereby grant, and you hereby accept, a limited, non-exclusive, non-transferable, revocable license to download the mobile application and use the System. As a condition of your use of the System, you warrant that you will not use the System for any purpose that is unlawful or prohibited by these Terms. You may not use the System in any manner that could damage, disable, overburden, or impair the System, or interfere with any other party's use and enjoyment of the System. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the System.All content included as part of the System, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the System is our property or the property of our suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree that you will not copy, modify, alter, revise, paraphrase, display, store, timeshare, sublicense, publish, transmit, sell, rent, lease or otherwise transfer or distribute any content, in whole or in part, found on the System or any portion thereof, or create derivative works thereof, except as specifically authorized herein. You further agree not to modify in any way, or delete, any warnings, notices, liability limitations, or other license provisions contained on the System. Your use of the System does not entitle you to make any unauthorized use of any protected content, and in particular, you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without our express written permission. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to our intellectual property or our licensors, except as expressly authorized by these Terms.In the event of any third party claim that the System infringes that third party’s intellectual property rights, OurFamilyWizard, not Apple, Inc. nor Alphabet, Inc. or Amazon.com Services, LLC, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim.All information you provide to us through the System must be current, accurate, and complete. If we at any time discover any error or omission in the information you provide to us, we may, at our option, terminate your right to access and use the System. You represent and warrant that you have all rights necessary to receive, use, transmit, and disclose all data that you use in any way with the System.
C. Subscription and Cancellation
A subscription to the System can be purchased through the Site (the “Subscription”). Your use of the System is subject to your payment of a subscription fee, plus applicable taxes (the “Subscription Fee”) for the term selected (the “Subscription Period.”) By purchasing a Subscription or any optional premium feature, you authorize OurFamilyWizard or its service provider to charge you via your selected payment method immediately. You have 30 days from the date of purchase of a Subscription or premium feature to receive a full refund. No refunds will be granted after the initial 30 days have passed.Your Subscription and premium features will automatically renew for additional Subscription Periods of the same length unless you cancel the auto-renewal. You may cancel the auto-renewal of a Subscription or premium feature through your account settings, or by contacting customer service at info@ourfamilywizard.com of (866) 755-9991.Upon expiration of your Subscription, you will receive two (2) grace logins to allow access pending your renewal. Thereafter, a renewal payment is required before further access to the System is granted.
D. User Content on the System
To the extent portions of the System allow you to comment or otherwise post regarding content on the Site (“User Content”), you may not post User Content that:Violates any copyright, trade mark rights, patent rights, rights in know-how, privacy or publicity rights, trade secret rights, confidentiality rights, contract rights, or other rights of any individual or legal entity;Is harmful; hateful; threatening; abusive; harassing; defamatory or libelous; sexually explicit, vulgar, lewd, obscene, or pornographic; racially, ethnically, or otherwise objectionable or offensive; inappropriate; or inflammatory;You know (or reasonably should know) is false, deceptive, or misleading;Contains information that could be used for identity theft purposes, such as social security numbers, credit card, bank account, or other financial information, driver’s license numbers, security codes, passwords, or other authentication methods;Links to materials or other content, directly or indirectly, to which you do not have a right to link or that violates these restrictions; orViolates any applicable local, state, national, or international law.By posting User Content on the System, you represent and warrant that the posting of your User Content does not violate these Terms & Conditions or applicable laws.OurFamilyWizard does not and shall not have any obligation to review User Content, and therefore we do not guarantee the accuracy, integrity, or quality of User Content and we cannot assure you that harmful, inaccurate, deceptive, offensive, threatening, defamatory, unlawful, or otherwise objectionable User Content will not appear on our System. We do, however, reserve the right to review any or all User Content in our sole discretion. In addition, we reserve the right to alter, edit, or remove any User Content, in whole or in part, at our sole discretion.UNDER NO CIRCUMSTANCES SHALL OURFAMILYWIZARD OR ITS AFFILIATES BE LIABLE IN ANY WAY FOR ANY USER CONTENT POSTED ON OR MADE AVAILABLE THROUGH THE SYSTEM. We do not control, have no obligation to monitor, and are not responsible for what users post, and are not responsible for any offensive, inappropriate, obscene, unlawful, infringing, or otherwise objectionable or illegal User Content on the System.
E. Security and Updates
A password or another form of authentication (“Authentication Method”) is required to access and use the System. You are solely responsible for (1) maintaining the strict confidentiality of the Authentication Method assigned to or created by you, (2) instructing any individual to whom you disclose your Authentication Method not to allow another person to use your Authentication Method to access the System without your express permission, (3) any charges, damages, or losses that may be incurred or suffered as a result of your failure, or the failure of any individual using your Authentication Method, to maintain the strict confidentiality of the Authentication Method, and (4) promptly informing us in writing of any need to deactivate an Authentication Method due to security concerns. We are not liable for any harm related to authorization, disclosure or theft of your Authentication Method. You agree to immediately notify us of any unauthorized use of your Authentication Method. You will be liable for any use of the System through your Authentication Method. Additionally, you are liable for any unauthorized use of the System until you notify us of any security breach.OurFamilyWizard may from time to time in its sole discretion develop and provide mobile application updates, which may include upgrades, bug fixes, patches, other error corrections, and/or new features (collectively, including related documentation, "Updates"). Updates may also modify or delete in their entirety certain features and functionality. You agree that OurFamilyWizard has no obligation to provide any Updates or to continue to provide or enable any particular features or functionality. Based on your mobile device settings, when your mobile device is connected to the internet either: (a) the mobile application will automatically download and install all available Updates; or (b) you may receive notice of or be prompted to download and install available Updates. You shall promptly download and install all Updates and acknowledge and agree that the mobile application or portions thereof may not properly operate should you fail to do so. You further agree that all Updates will be deemed part of the mobile application and be subject to these Terms.
F. Feedback
You agree to reasonably cooperate with us in providing any comments and other feedback with respect to use of the System or any component thereof. By submitting information to us, you grant to us and our affiliates a royalty-free, perpetual, irrevocable, non-exclusive, worldwide license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such information, subject to applicable laws and regulations, these Terms & Conditions, and our Privacy Policy.
G. Confidential Personal Information
The System enables you to transmit, store, and receive confidential personal information regarding you, your family or other persons. You represent and warrant that you will, at all times during the term of these Terms and thereafter, comply with all laws directly or indirectly applicable to you that may now or hereafter govern the gathering, use, transmission, processing, receipt, reporting, disclosure, maintenance, and storage of the confidential personal information. You further represent and warrant that you will use your best efforts to cause all persons or entities under your direction or control to comply with such laws. You are, at all times during the term of these Terms and thereafter, solely responsible for obtaining and maintaining all legally necessary consents or permissions, required or advisable, to disclose, process, retrieve, transmit, and view the confidential personal information you transmit, store, or receive in connection with the System. You agree that we, our licensors, and all other persons or entities involved in the operation of the System, have the right to monitor, retrieve, store and use confidential personal information in connection with the operation of the System, and that we are acting on your behalf in transmitting confidential personal information. We agree to use commercially reasonable efforts to maintain the confidentiality of such information and prevent the disclosure of such information to third parties except in connection with the transmission, storage, retrieval, and disclosure of such information on your behalf and as may be required or permitted by law. WE CANNOT AND DO NOT ASSUME ANY RESPONSIBILITY FOR YOUR USE OR MISUSE OF CONFIDENTIAL PERSONAL INFORMATION OR OTHER INFORMATION TRANSMITTED, MONITORED, STORED OR RECEIVED WHILE USING THE SITE OR ANY SERVICES OFFERED THEREON.
H. Warranty Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SYSTEM IS PROVIDED TO YOU ON AN “AS IS, WITH ALL FAULTS” BASIS, AND YOUR USE IS AT YOUR OWN RISK. WE MAKE NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND ANY WARRANTIES ARISING BY COURSE OF DEALING, CUSTOM OR TRADE. WE MAKE NO REPRESENTATION OR WARRANTY THAT ANY CONTENT IS ACCURATE, COMPLETE, APPROPRIATE, RELIABLE, OR TIMELY. WE MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO INFORMATION MARKED AS 'PRIVILEGED' BY USERS, AS THE DETERMINATION AS TO WHETHER OR NOT ANY GIVEN INFORMATION SHARED BETWEEN CLIENTS AND PROFESSIONALS IS PROTECTED BY ATTORNEY-CLIENT PRIVILEGE IS A FACT-SPECIFIC LEGAL QUESTION. FURTHER, WE ALSO MAKE NO REPRESENTATIONS OR WARRANTIES THAT YOUR ACCESS TO AND USE OF THE SYSTEM: (1) WILL BE UNINTERRUPTED OR ERROR-FREE, (2) IS FREE OF VIRUSES, UNAUTHORIZED CODES, OR OTHER HARMFUL COMPONENTS, OR (3) IS SECURE. YOU ARE RESPONSIBLE FOR TAKING ALL PRECAUTIONS YOU BELIEVE NECESSARY OR ADVISABLE TO PROTECT YOURSELF AGAINST ANY CLAIM, DAMAGE, LOSS OR HAZARD THAT MAY ARISE BY VIRTUE OF YOUR USE OF THE SYSTEM.
I. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNDER NO CIRCUMSTANCES WILL WE, OR ANY OF OUR PROVIDERS BE RESPONSIBLE OR LIABLE TO YOU OR ANY OTHER INDIVIDUAL OR ENTITY FOR ANY DIRECT, COMPENSATORY, INDIRECT, INCIDENTAL, CONSEQUENTIAL (INCLUDING LOST PROFITS AND LOST BUSINESS OPPORTUNITIES), SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES OR ANY DAMAGES WHATSOEVER THAT RESULT FROM OR RELATE IN ANY MANNER WHATSOEVER TO (1) USE OF THE SYSTEM OR ANY SERVICES OFFERED THEREON, (2) RELIANCE ON THE CONTENT BY YOU OR ANYONE USING YOUR AUTHENTICATION METHOD, OR (3) ERRORS, INACCURACIES, OMISSIONS, DEFECTS, UNTIMELINESS, SECURITY BREACHES, OR ANY OTHER FAILURE TO PERFORM BY US OR OUR CONTENT PROVIDERS. THE FOREGOING EXCLUSION SHALL APPLY REGARDLESS OF WHETHER WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.IF, NOTWITHSTANDING THESE TERMS & CONDITIONS, WE SHOULD HAVE ANY LIABILITY TO YOU OR ANY THIRD PARTY FOR ANY LOSS, HARM OR DAMAGE, YOU AND WE AGREE THAT SUCH LIABILITY SHALL UNDER NO CIRCUMSTANCES EXCEED THE LESSER OF $1,000 OR THE FEES YOU PAID TO US DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE DAY THE ACT OR OMISSION OCCURRED WHICH GAVE RISE TO YOUR CLAIM. YOU AND WE AGREE THAT THE FOREGOING LIMITATION OF LIABILITY IS AN AGREED UPON ALLOCATION OF RISK BETWEEN YOU AND US WHICH CONSIDERS THE FEES, IF ANY, WE CHARGE YOU TO USE THE SYSTEM. YOU ACKNOWLEDGE THAT ABSENT YOUR AGREEMENT TO THIS LIMITATION OF LIABILITY, WE WOULD NOT PROVIDE THE SYSTEM TO YOU.
J. Indemnity
You agree to defend, indemnify and hold us harmless from any claims, losses, expenses, costs or damages (including reasonable attorneys’ fees, expert fees; and other costs of litigation) arising from, incurred as a result of, or in any manner related to (1) your breach of these Terms & Conditions, (2) use of the System and any services offered thereon by you or any other person using your Authentication Method, (3) the unauthorized or unlawful use of the System by you or any other person using your Authentication Method, and (4) any claim that your content violates the intellectual property rights of a third party. We reserve the right, at our own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with us in asserting any available defenses.
K. Term and Termination
These Terms remain in force for the duration of your Subscription Period, including renewal Subscription Periods, or until terminated by any party. Upon termination, your access to the System will cease.Your right to access and use the System immediately terminates without further notice upon your breach of these Terms. We may terminate these Terms and/or your right to use the System at any time, with or without cause.Paragraphs A, B, G, H, I, J and K of these Terms survive the expiration or termination of these Terms for any reason whatsoever. We reserve the right to discontinue or make changes to the System at any time.
L. Links to Other Websites and Connecting through Social Media.
The System may contain hyperlinks to websites operated by third parties. We do not control such websites and will not be responsible for their content, or for any breach of contract, or any intentional or negligent action on the part of such third parties, which results in any loss, damage, delay, or injury to you or your companions. Inclusion of any linked website on the System does not imply or constitute approval or endorsement of the linked website by us. If you decide to leave the System to access these third-party sites, you do so at your own risk. All rules, policies (including privacy policies), and operating procedures of websites operated by third parties will apply to you while on such sites. We are not responsible for information provided by you to third parties.
M. Assignment/Waiver and Governing Law
We may assign these Terms, in whole or in part, in our sole discretion. You may not assign your rights under these Terms without our prior written permission. Any attempt by you to assign your rights under these Terms without our permission shall be void. The waiver by us of a breach of any provision of these Terms shall not operate or be construed as a waiver of any other or subsequent breach. If any provision of these Terms is held by a court of competent jurisdiction to be contrary to law, the remaining provisions of these Terms shall remain in full force and effect.These Terms are governed by the laws of the State of Minnesota without giving effect to any principles of conflicts of law. Any claim or dispute related to the System or under these Terms & Conditions, the Privacy Policy, and any legal notices on this System, must be instituted within one (1) year after the claim arose (if multiple claims, from the date the first claim arose), or be forever waived and barred. You agree that you will bring any claims in, and submit to the exclusive jurisdiction of, the state and federal courts located in the County of Hennepin, in the State of Minnesota.
N. Verified Customer Record
In order to use the payment functionality of our application, you must open a “Dwolla Platform” account provided by Dwolla, Inc. and you must accept the Dwolla Terms of Service and Privacy Policy. Users must be 18 years or older to use OFWpay with Dwolla. Any funds held in or transferred through the Dwolla Account are held or transferred by Dwolla’s financial institution partners as described in the Dwolla Terms of Service. You authorize us to collect and share with Dwolla your personal information including full name, date of birth, social security number, physical address, email address and financial information, and you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Dwolla account through our application, and Dwolla account notifications will be sent by us, not Dwolla. We will provide customer support for your Dwolla account activity, and can be reached at OurFamilyWizard.com, info@ourfamilywizard.com, and/or 866-755-9991.
O. OFWpay Fees
You understand that transactions via OFWpay may be assessed a flat transaction fee per transaction. In addition, you understand that you may incur additional fees if you send a payment using OFWpay that is returned for insufficient funds. These fees may vary based on the package, subscription, or add-ons that a user selected.
P. Plaid End User Privacy Policy
OurFamilyWizard uses Plaid to support OFWpay functionality. By signing up for OFWpay, you are also agreeing to Plaid's end user privacy policy: https://plaid.com/legal/#end-user-privacy-policy
Q. Twilio End User Privacy Policy
Please note that while we strive to protect your privacy and security, the use of external services and third-party providers introduces unique considerations. When you utilize features such as voice and video communication and recordings, you may be directed to services provided by Twilio, which is an independent third-party. We encourage you to review Twilio's privacy policy and terms of service to fully understand their practices and how they handle your data.
R. Communications and SMS messages
OurFamilyWizard text alerts are text messages that OurFamilyWizard subscribers can opt into to receive alerts for in-account activity, and they are associated with the following terms and conditions: Message and data rates may apply. Message frequency varies based on account activity, averaging 3-4 messages per week. Text “STOP” to end further messages or “HELP” for assistance. Contact customer support at 866-755-9991 or info@ourfamilywizard.com for further assistance. Read our privacy policy.
S. Artificial Intelligence (AI)
We may provide, as part of our Services covered by these Terms, solutions that include the use of artificial intelligence, such as recommending alternative phrasing to communications provided in the Services based on perceived tone and language choices. We do not allow any partners or third parties to use your data for training their own models. Notwithstanding the foregoing, pursuant to these Terms, we may use log data or analytics data to update, modify, or otherwise improve our Services. We will only disclose personal information or other information you intentionally enter or automatically submit to our artificial intelligence services in order to provide you with writing suggestions, insights, and other services that you have requested. You acknowledge that artificial intelligence systems are a rapidly evolving field. Although OurFamilyWizard is always working to improve its services, due to the probabilistic nature of machine learning, the output from artificial intelligence services may not always be accurate, complete, or available. You should not rely on such output from our services as a sole source of truth or factual information, or as a substitute for professional and therapeutic advice. It is your responsibility to evaluate the output of the artificial intelligence services for accuracy and appropriateness for your use case, including using human review as appropriate, before using, modifying, or otherwise releasing such output from the services. In addition, you agree you will not use any artificial intelligence functions to power, or make any decisions related to, any products or services that may involve personal injury or illegality. This disclaimer of warranty constitutes an essential part of the OurFamilyWizard Privacy Policy and these Terms that are fully incorporated as if rewritten herein. Some states do not allow limitations on how long an implied warranty lasts, so the foregoing limitations may not apply to you. Notwithstanding any of the foregoing – no warranties of any kind are made with respect to the software and services if it is provided on an evaluation basis.
T. Entire Agreement
These Terms contain the entire agreement between you and us relating to the subject matter hereof, and supersedes any other oral or written communications relating thereto. You agree that you have not relied on any other verbal or written statements, actions or representations by us, our employees, or agents in consenting to these Terms. These Terms may not be amended or supplemented by any document originated by you relating to the subject matter hereof, or any statements of any of our employees and agents.
Contact Information
To contact us with any questions or inquiries about these Terms & Conditions, please contact us at:
OurFamilyWizard, LLC
701 N Washington Ave, Suite 700
Minneapolis, MN 55401
(866) 755-9991
info@ourfamilywizard.com