Terms of Service
These Terms of Service ("Terms") govern your access to and use of the WJP Debt Tracking website and services (collectively, the "Service") provided by PAPPOE VENTURE LLC ("Company," "we," "our," or "us"). By accessing or using the Service, you agree to be bound by these Terms, our Privacy Policy, and all applicable laws and regulations. If you do not agree to these Terms, you may not access or use the Service.
1. Acceptance of Terms
By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms. These Terms constitute a legally binding agreement between you and PAPPOE VENTURE LLC.
2. Eligibility
You must be at least 18 years old and capable of forming a binding contract to use the Service. By using the Service, you represent and warrant that you meet these eligibility requirements.
3. Nature of Service
The Service provides informational debt tracking, budgeting, educational credit monitoring, and planning tools. We are not a lender, bank, credit bureau, debt settlement company, law firm, or financial advisor. The Service is intended for informational and educational purposes only and should not be considered professional financial, legal, or credit advice. You should consult with a qualified professional for advice tailored to your specific situation.
4. No Professional Advice
All calculators, AI outputs, recommendations, and tools provided through the Service are for informational purposes only and do not constitute professional financial, legal, or credit advice. We do not guarantee the accuracy, completeness, or usefulness of any information provided through the Service. Your reliance on any information provided by the Service is solely at your own risk.
5. Credit Features (Powered by Array)
Where enabled, the Service may allow users to authorize soft credit inquiries through third-party providers such as Array. By utilizing these features, you explicitly authorize PAPPOE VENTURE LLC to access your credit report and score information via Array for credit education and monitoring purposes. You understand and agree that:
- FCRA Compliance: Your use of these features is subject to the Fair Credit Reporting Act (FCRA). You will be provided with the "Notice to Users of Consumer Reports: Obligations of Users Under the FCRA" as required by law.
- Consent: You provide explicit consent for us to obtain your credit report for credit education purposes. This is a soft inquiry and will not impact your credit score.
- No Credit Repair Claims: We do not use terms such as "improve," "enhance," "boost," "raise," "increase" in conjunction with "score" or "rating," nor do we use phrases like "credit repair," "credit rebuilding," "credit fix," or "repair your credit." The Service is for educational and informational purposes only.
- Third-Party Beneficiaries: Array and its third-party providers are third-party beneficiaries to this agreement regarding the MyCredit Manager services.
6. Third-Party Services (Including Plaid and Array)
The Service may rely on various third-party services, including but not limited to Plaid for financial account linking, Array for credit features, payment processors, and hosting providers. You acknowledge and agree that:
- Plaid Integration: When you use Plaid to connect your financial accounts, you are subject to Plaid's End User Privacy Policy and Terms of Use. You provide explicit consent for Plaid to process your information in accordance with their policies. We do not store your banking credentials. Your data is handled by Plaid securely.
- Array Integration: When you use Array for credit features, you are subject to Array's Privacy Policy and Terms of Service. You provide explicit consent for Array to process your information in accordance with their policies.
- Disclaimer: We are not responsible for the practices, terms, or policies of any third-party services. Your use of third-party services is at your own risk. We disclaim all liability for any damages or losses arising from your use of or reliance on third-party services.
7. Accounts
You are responsible for maintaining the confidentiality of your account credentials (username, password, etc.) and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We will not be liable for any loss or damage arising from your failure to comply with this section.
8. Billing
If you subscribe to a paid plan, you agree to pay all applicable fees. Paid plans may renew automatically until cancelled. All fees are non-refundable except where required by law. We reserve the right to change our fees upon reasonable notice.
9. Acceptable Use
You agree not to use the Service for any unlawful, fraudulent, or prohibited activities, including but not limited to:
- Fraud, impersonation, or misrepresentation.
- Scraping, data mining, or unauthorized collection of data.
- Unlawful conduct or activities that violate any applicable laws or regulations.
- Reverse engineering, decompiling, or disassembling any part of the Service.
- Misuse of the Service in any way that could damage, disable, overburden, or impair our servers or networks.
10. Intellectual Property
All rights, title, and interest in and to the Service, including all intellectual property rights (trademarks, copyrights, patents, trade secrets), remain with PAPPOE VENTURE LLC or its licensors. You may not use our trademarks, logos, or other proprietary information without our prior written consent.
11. Disclaimer of Warranties
The Service is provided "as is" and "as available" without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance. We do not warrant that the Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components. Your use of the Service is solely at your own risk.
12. Limitation of Liability
To the maximum extent permitted by applicable law, in no event shall PAPPOE VENTURE LLC, its affiliates, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose. Our total aggregate liability to you for any and all claims arising out of or relating to the Service or these Terms will not exceed the greater of one hundred U.S. dollars ($100) or the amount you have paid us in the past twelve (12) months for the Service giving rise to the claim.
13. Indemnification
You agree to defend, indemnify, and hold harmless PAPPOE VENTURE LLC and its affiliates, officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access to the Service; (ii) your violation of any term of these Terms; (iii) your violation of any third-party right, including without limitation any copyright, property, or privacy right; or (iv) any claim that your use of the Service caused damage to a third party.
14. Arbitration
Any dispute or claim arising out of or relating to these Terms or the Service, except for eligible small claims matters, shall be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall take place in New Jersey. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
15. Governing Law
These Terms shall be governed and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions, except where federal law preempts. You agree to submit to the personal jurisdiction of the federal and state courts located in New Jersey for any actions for which we retain the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation or violation of our copyrights, trademarks, trade secrets, patents, or other intellectual property rights.
16. Force Majeure
We will not be liable for any delay or failure to perform our obligations under these Terms due to causes beyond our reasonable control, including, but not limited to, acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.
17. Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing 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 stop using the Service.
18. Contact Us
If you have any questions about these Terms, please contact us at:
References
[1] Array Legal Center. (n.d.). MyCredit Manager Addendum. Retrieved from https://array.com/legal/#msa-addendum-mycm
[2] Plaid. (n.d.). Developer Policy. Retrieved from https://plaid.com/developer-policy/