Terms of Use / Service Agreement

Our unique financial record keeping service (the “Service”) enables you to bring together, in one convenient location, as many of your online documents as you wish. Your personal document aggregation and transfer service (VaultStreet Financial Dashboard Service) collects, organizes and authenticates documents from multiple sources to enable subscribers to share those documents with a network of trusted third parties.

Please take a few minutes to read this User Agreement (referred to throughout as the “Agreement”). Any reference to VaultStreet in this Agreement includes any directors, officers, employees, contractors, agents, service providers or licensees of VaultStreet. As used in this document, the words “you” and “your” refer to the undersigned's use of the Service; the words “we” “us” “our” and any other variation thereof, refer to VaultStreet. When you're ready, check the box at the end of this Agreement and click the “Begin Trial” button to start enjoying the convenience and security of this Service.

Acceptance of Terms When you click on the "Begin Trial" button, you agree to accept the terms and conditions (the "Terms") of this Agreement, including any amendments to the Agreement or changes in the Terms. By clicking "Begin Trial" you will also be providing your electronic signature that will affirm: If you do not agree to all of the Terms, click on the “I Decline” button. If you do not accept and agree to all of the Terms, you will not be entitled to use the VaultStreet Web site, Content, software and Services. VaultStreet reserves the right to change the Terms under which the Services are offered in its sole discretion at any time; however, VaultStreet will notify you of any material changes to the Terms. In most cases, you will receive notice on-line the next time you log in; however, VaultStreet reserves the right to notify you by e-mail or conventional mail, at its discretion. You agree that if you continue to use the Services after we notify you of any change, you thereby accept the changes to the Terms and agree to be bound by this Agreement, as amended. If you do not accept and agree to the changes to the Terms, you will not be entitled to use the Service. You can review, download and print the most current version of this Agreement at any time by clicking User Agreement. If you do not agree to the changes, or if at any time you wish to discontinue your use of the Services, you can unsubscribe by using the online feature to unsubscribe. Alternatively, if you prefer, you can unsubscribe by sending a registered or certified letter to VaultStreet at Docuthentic, LLC, 1639 11th St., Suite 170, Santa Monica, CA 90404.

To use the Service you must be at least eighteen (18) years old and have an e-mail address.

Privacy and Security Policy For more information, please see our Security Policy. A complete statement of our privacy policy can be found in our Privacy Policy.

User Content

Subject to VaultStreet's Privacy Policy, you agree that VaultStreet may use, copy, display and distribute any information, data, materials or other content (the “Content”) you provide to VaultStreet in order to provide the Service, and you hereby give VaultStreet a license to do so. By submitting Content, you represent that you have the right to license such Content to VaultStreet for the purposes set forth in this Agreement.

Third Party Accounts

As the primary account holder, you understand and agree that, in order to provide the Service, it is necessary for VaultStreet to access third party Web sites and data bases containing information regarding your accounts and financial relationships as designated by you ( "Third Party Accounts" ), on your behalf, to retrieve information as requested or authorized by you. By using the Service, you agree to authorize VaultStreet to access such Third Party Accounts to retrieve such Content as requested or authorized by you, or for any other purpose authorized by this Agreement. You warrant and represent that the information you are providing us with is true, correct and complete. You represent and warrant to us that you have the right to authorize and permit us access to your Third Party Accounts, you assure us that by disclosing the information to us and by authorizing us to use such information to access your Third Party Accounts, and you are not violating any third party rights. You hereby authorize and permit VaultStreet to use Content and other information submitted by you to VaultStreet (such as account passwords and user names) to accomplish these purposes and to configure the Service to be compatible with the Third Party Accounts.

For as long as you are using the Service, you give to VaultStreet a limited power of attorney and appoint VaultStreet as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access the Third Party Accounts, retrieve Content, and use your Content, 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 the Service, as fully to all intents and purposes as you might or could do in person. Once VaultStreet has actual knowledge that you wish to cease using the Service as provided in this Agreement or as otherwise permitted in this Agreement and has a reasonable opportunity to act on such knowledge, this limited power of attorney is automatically revoked; provided, however, that any act done by VaultStreet in good faith before it has actual knowledge of termination by you shall be deemed to be authorized by you. To notify VaultStreet that you wish to discontinue using the Service, you may send us an e-mail or mail a letter as provided in this Agreement.

You understand and agree that at all times your relationship with each Third Party Account provider is independent of VaultStreet and your use of the Service. VaultStreet will not be responsible for any acts or omissions by the financial institution or other provider of any Third Party Account, including without limitation any modification, interruption or discontinuance of any Third Party Account by such provider.

YOU ACKNOWLEDGE AND AGREE THAT WHEN VAULTSTREET IS ACCESSING AND RETRIEVING INFORMATION FROM THE THIRD PARTY ACCOUNTS, VAULTSTREET IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY. YOU AGREE THAT VAULTSTREET, ITS AFFILIATES AND PARTNERS SHALL BE ENTITLED TO RELY UPON THE FOREGOING AUTHORIZATION, AGENCY AND POWER OF ATTORNEY GRANTED BY YOU. YOU AGREE THAT VAULTSTREET SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND INCURRED AS A RESULT OF (1) VAULTSTREET'S ACCESS TO THE THIRD PARTY ACCOUNTS; (2) VAULTSTREET'S RETRIEVAL OF OR INABILITY TO RETRIEVE INFORMATION FROM THE THIRD PARTY ACCOUNTS; (3) ANY INACCURACY, INCOMPLETENESS OR MISINFORMATION CONTAINED IN CONTENT RETRIEVED FROM THE THIRD PARTY ACCOUNTS AND (4) ANY CHARGES IMPOSED BY THE PROVIDER OF ANY THIRD PARTY ACCOUNT.

Notification Service

The VaultStreet notification service enables you to receive a notice via email or posted to your VaultStreet account concerning available information in your Third Party Accounts. You can set notifications for each of your Third Party Accounts registered on the VaultStreet Financial Dashboard. You are responsible for determining the criteria that governs the notification and VaultStreet will send a notification to you based upon the instructions you provide to us. Your instructions are neither reviewed nor verified by VaultStreet prior to or following activation of any notification. At any point, you can enable or disable notifications, or delete the notification altogether.

You understand and accept that a notification is transmitted electronically and you acknowledge that you have no expectation of privacy with respect to such information. You acknowledge that the information in the notification is unencrypted and can be accessed, used, or misappropriated by unintended third-party recipients. VaultStreet is not responsible for any unauthorized use or misappropriation of any and all information transmitted through the notification. VaultStreet does not guarantee the delivery or the accuracy of the contents of each notification. You acknowledge and agree that delivery of a notification may be delayed or prevented by factor(s) outside our control and we shall not be liable for any losses or missed opportunities incurred by you due to the delayed, non-delivery or misdirected delivery of a notification.

VaultStreet provides this service as a convenience to you for information purposes only. VaultStreet reserves the right to terminate its notification service or begin charging a fee for such service at any time with prior notice to you on availability. VaultStreet shall not be liable for any direct, indirect, special, incidental, or consequential damages caused by (a) non-delivery, delayed delivery, or the misdirected delivery of an alert; (b) inaccurate or incomplete information in an alert; or (c) your reliance on or use of the information provided in an alert for any purpose.

Password

To enable you to access the Service, you may be asked to choose a Password when you register with us. You will then create a VaultStreet account and will be assigned a Username. You are responsible for maintaining the confidentiality of your Username and Password. You are responsible for all uses of your account, whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR USERNAME OR PASSWORD WITH ANYONE FOR ANY REASON.

Electronic Communications

The VaultStreet Service is an electronic, Internet based-service. Therefore, you understand and agree that this Agreement will be entered into electronically, and that the following categories of information (" Communications ") may be provided by electronic means: Although VaultStreet reserves the right to provide Communications in paper format at any time, you agree that we are under no obligation to do so. All Communications in either electronic or paper format will be considered to be "in writing." You should print a paper copy of this Agreement and any electronic Communication that is important to you and retain the copy for your records. If you do not wish to receive this Agreement or the Communications electronically, you may not use the Service.

You agree to promptly update your registration records if your e-mail address or other information changes. You may update your records, such as your e-mail address, by using the myProfile page.

Communications may be posted on the pages of the Service website and/or delivered to the e-mail address you provide. All electronic Communications sent by e-mail will be deemed to have been received by you when VaultStreet sends it to you, whether or not you received the e-mail. If the Communications is posted on the Service, then it will be deemed to have been received by you no later than five (10) business days after VaultStreet posts the Communication on the pages of the Service, whether or not you retrieved the Communication. An electronic Communication by e-mail is considered to be sent at the time that it is directed by VaultStreet's e-mail server to the appropriate e-mail address. An electronic Communication by posting to the pages of the Service is considered to be sent at the time it is publicly available. You agree that these are reasonable procedures for sending and receiving electronic Communications.
Hardware and Software Requirements
In order to access and retain Communications, you must have: Proprietary Rights

You acknowledge and agree that VaultStreet owns all rights in and to the Service. You are permitted to use the Service only as expressly authorized by this Agreement. You may not copy, reproduce, distribute, or create derivative works, reverse engineer or reverse compile any of VaultStreet's Service or technology.

No Unlawful or Prohibited Use

As a condition of using the Service, you warrant to VaultStreet that you will not use the Service for any purpose that is unlawful or is not permitted, expressly or implicitly, by the terms of this Agreement or by any applicable law or regulation. You further warrant and represent that you will not use the Service in any manner that could damage, disable, overburden, or impair the Service or interfere with any other party's use and enjoyment of the Service. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Service. You agree that these warranties and representations will remain in full force and effect even if this Agreement terminates for any reason.

Service Changes and Discontinuation

VaultStreet may modify or discontinue the Service or your account with VaultStreet, with or without notice, without liability to you, any other user or any third party. VaultStreet reserves the right to terminate your account at any time and for any reason, including without limitation if VaultStreet, in its sole judgment, believes you have engaged in conduct or activities that violate this Agreement or the rights of VaultStreet, or if you provide VaultStreet with false or misleading registration information or interfere with other users or the administration of the Service.

You may terminate your account with VaultStreet at any time by using the online feature to unsubscribe. Alternatively, if you prefer, you can unsubscribe by sending a registered or certified letter to VaultStreet at Docuthentic, LLC, 1639 11th St., Suite 170, Santa Monica, CA 90404.

Once your account with VaultStreet has terminated for any reason, you will have no further right or access to use the Service, and VaultStreet will not access your Third Party Accounts thereafter for any reason and issue a destruction of content confirmation of all documents stored on your behalf.

Links To Third Party Sites

The VaultStreet Web site may contain links to other Web sites ("Linked Sites"). Such links are provided solely as a convenience for you. While VaultStreet will attempt to select and provide links to Linked Sites that it believes may be of interest to its customers, VaultStreet does not screen, approve, review or otherwise endorse any content or information contained in any Linked Sites. You acknowledge and agree that VaultStreet, its affiliates and partners are not responsible for the contents of any Linked Sites, including the accuracy or availability of information provided by Linked Sites, and makes no representations or warranties regarding the Linked Sites or your use of them.

Limitation of Warranty and Liability YOU UNDERSTAND AND AGREE THAT VAULTSTREET'S SERVICE IS PROVIDED "AS-IS." VAULTSTREET ASSUMES NO RESPONSIBILITY FOR THE TIMELINESS, DELETION, MIS-DELIVERY OR FAILURE TO STORE ANY USER COMMUNICATIONS OR PERSONALIZATION SETTINGS. YOU UNDERSTAND AND EXPRESSLY AGREE THAT USE OF THE SERVICE IS AT YOUR SOLE RISK, THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA.

EXCEPT AS EXPRESSLY SET FORTH ON THE VAULTSTREET WEB SITE, VAULTSTREET DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT AND IT MAKES NO WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE, THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICE, THE ACCURACY OF ANY INFORMATION RETRIEVED BY VAULTSTREET FROM THE THIRD PARTY ACCOUNTS OR THAT THE SERVICE WILL MEET ANY USER'S REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE.

VAULTSTREET WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY KIND RESULTING FROM THE USE OF OR THE INABILITY TO USE THE SERVICE, ANY INACCURACY OF ANY INFORMATION RETRIEVED BY VAULTSTREET FROM THE THIRD PARTY ACCOUNTS, ANY BREACH OF SECURITY CAUSED BY A THIRD PARTY, ANY TRANSACTIONS ENTERED INTO BASED ON THE SERVICES, ANY LOSS OF, UNAUTHORIZED ACCESS TO OR ALTERATION OF A USER'S TRANSMISSIONS OR DATA OR FOR THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICE, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLES, EVEN IF VAULTSTREET HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Indemnification

You agree to indemnify, defend and hold harmless VaultStreet, its affiliates, partners, officers, directors, employees, consultants and agents from any and all third party claims, liability, damages and/or costs (including, but not limited to, attorneys fees) arising from your use of the Service, VaultStreet's reliance on the information, instruction, license and/or authorization provided by you under or pursuant to this Agreement, your violation of the Terms or your infringement, or infringement by any other user of your account, of any intellectual property or other right of any person or entity.

Miscellaneous

You understand and agree that VaultStreet is not a bank, a broker-dealer firm, or any other kind of financial institution. You represent and warrant that you are who you claim to be; that you are the rightful owner of all Content and the Third Party Accounts linked to your VaultStreet Financial document storage and transfer Service and that you may rightfully authorize VaultStreet to access the Third Party Accounts. You understand that VaultStreet is not responsible or liable if your financial institution's or any other provider of Third Party Accounts system “goes down” or if they have any system failures and we are unable to retrieve information on your behalf.

You agree that our rights and remedies arising out of any breach of your representations and warranties in this Agreement, the limitations on our liability and our rights to indemnification under this Agreement are continuing and shall survive the termination of this Agreement, notwithstanding the lack of any specific reference to such survivability in these provisions. VaultStreet's failure to enforce the strict performance of any provision of this Agreement will not constitute a waiver of VaultStreet's right to subsequently enforce such provision or any other provisions of this Agreement.

The most current version of this Agreement as it appears on our Web site, including any amendments that we may make from time to time, constitutes the entire agreement between us, and supersedes and replaces all other agreements or understandings, whether written or oral, regarding the Service. This Agreement may be amended, or any of VaultStreet's rights waived, only if VaultStreet agrees in writing to such changes, or you continue using the Service following receipt of notice of any changes proposed by VaultStreet. All notices to you shall be in writing and shall be made either via e-mail, conventional mail or messages delivered through the Service, at VaultStreet's discretion. All notices to VaultStreet must be made in writing and sent to VaultStreet at Docuthentic, LLC, 1639 11th St., Suite 170, Santa Monica, CA 90404 via registered or certified mail. This Agreement is personal to you and you may not assign it to anyone.

If either of us has any dispute or disagreements with the other regarding this Agreement that we cannot resolve amicably, both parties agree that the sole and exclusive remedy shall be binding arbitration. BY AGREEING TO THIS PROVISION, YOU UNDERSTAND THAT YOUR LEGAL RIGHTS MAY BE LIMITED, INCLUDING YOUR RIGHT TO GO TO COURT, TO HAVE A JURY TRIAL AND TO PARTICIPATE IN CLASS ACTIONS OR SIMILAR PROCEEDINGS.

The arbitration will be governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, "AAA Rules") of the American Arbitration Association ("AAA"), as modified by this Agreement, and will be administered by the AAA. The AAA Rules are available online at www.adr.org, by calling the AAA at 1-800-778-7879. YOU AND VAULTSREET AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and VaultStreet agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this arbitration provision shall be null and void. This Agreement shall be governed by and construed in accordance with the laws of the State of California, without giving effect to its conflict of laws provisions or your actual state or country of residence. If for any reason a court of competent jurisdiction finds any provision or portion of this Agreement to be unenforceable, the remainder of this Agreement will continue in full force and effect.

This Agreement shall take effect immediately upon acceptance of your completed registration by VaultStreet.