Terms of Service

Last Updated: November 4, 2024

Introduction

Welcome to Core Nexis. These Terms of Service ("Terms") govern your use of our website https://corenexis.com and all related services and products, including but not limited to:

Please read these Terms carefully before using our Services. By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use our Services.

Table of Contents

  1. Access to Services
  2. Account Registration
  3. User Representations
  4. Prohibited Activities
  5. Intellectual Property Rights
  6. User Generated Content
  7. Products and Services
  8. Financial Tools Terms
  9. Payment Terms
  10. Refund Policy
  11. Third-Party Websites and Content
  12. Advertisers
  13. Site Management
  14. Privacy Policy
  15. Term and Termination
  16. Modifications and Interruptions
  17. Governing Law
  18. Dispute Resolution
  19. Corrections
  20. Disclaimer
  21. Limitations of Liability
  22. Indemnification
  23. User Data
  24. Electronic Communications
  25. California Users and Residents
  26. Miscellaneous
  27. Contact Us

1. Access to Services

Subject to these Terms, Core Nexis grants you a non-transferable, non-exclusive, revocable, limited license to access and use our Services for your personal and non-commercial use. We reserve all rights not expressly granted to you in and to the Services and the Content (as defined below).

Access Restrictions

We reserve the right to:

Service Integration

Core Nexis provides integrated services across all our products. As per our motto, you don't need to visit different platforms for different products - one platform serves all your Core Nexis needs. This includes unified access to support, terms, privacy policies, and account management across all Core Nexis products and services.

2. Account Registration

You may be required to register for an account to access certain features of our Services. When you register, you must provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Account Security

You agree to:

Account Types

Core Nexis may offer different types of accounts with varying access levels and features. Some accounts may be subject to fees or additional terms, which will be clearly communicated to you before you select such account types.

Account Termination

We reserve the right to terminate or suspend your account and access to our Services at our sole discretion, without prior notice or liability, for any reason, including, without limitation, if you breach these Terms.

3. User Representations

By using the Services, you represent and warrant that:

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).

4. Prohibited Activities

You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of the Services, you agree not to:

5. Intellectual Property Rights

The Services and their entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Core Nexis, its licensors, or other providers of such material and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

Limited License

These Terms permit you to use the Services for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Services, except as follows:

Usage Restrictions

You must not:

Trademarks

The Core Nexis name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Core Nexis or its affiliates. You must not use such marks without the prior written permission of Core Nexis. All other names, logos, product and service names, designs, and slogans on the Services are the trademarks of their respective owners.

6. User Generated Content

Our Services may allow you to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material ("User Content"). You are responsible for the User Content that you post on or through the Services, including its legality, reliability, and appropriateness.

License to User Content

By posting User Content on or through the Services, you grant us a non-exclusive, perpetual, worldwide, royalty-free, transferable, sub-licensable right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any purpose. You represent and warrant that:

User Content Guidelines

User Content must not:

Monitoring and Enforcement

We have the right to:

7. Products and Services

Core Nexis offers a variety of digital services and products, including but not limited to:

Core Nexis Tools

tools.corenexis.com provides a suite of digital tools including:

Core Nexis Financial Tools

fin.corenexis.com offers financial management tools including:

Core Nexis Blog

blog.corenexis.com provides:

Product Updates and Modifications

We strive to continuously improve our products and services. As a result:

We will make reasonable efforts to notify users of significant changes to our products and services, but we reserve the right to make such changes without prior notice.

8. Financial Tools Terms

The following additional terms apply specifically to your use of Core Nexis Financial Tools:

Nature of Financial Tools

Core Nexis Financial Tools are designed to help you track and manage your personal finances. These tools:

Financial Data

When using our financial tools:

Limitations

You acknowledge that:

No Liability for Financial Decisions

Core Nexis is not responsible for any financial decisions you make based on the use of our financial tools. You agree to use these tools at your own risk and take full responsibility for any financial actions you take based on information provided by our services.

9. Payment Terms

While many of our services are offered free of charge, some Core Nexis products and services may require payment. For such paid services, the following terms apply:

Pricing

All prices for products and services are:

Payment Methods

We accept various payment methods, which may include:

Billing Cycles

For subscription-based services:

Failed Payments

If a payment fails:

Price Changes

We reserve the right to modify our pricing:

10. Refund Policy

Our refund policy varies by product and service type:

Digital Products

For one-time digital product purchases:

Subscription Services

For subscription-based services:

Free Trial Conversions

If you sign up for a free trial of a paid service:

Requesting a Refund

To request a refund:

Refund Method

Refunds will be issued using the same payment method used for the original purchase. Processing time varies depending on your payment provider.

11. Third-Party Websites and Content

The Services may contain links to third-party websites, services, and advertisements that are not owned or controlled by Core Nexis. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

External Links

Regarding third-party links:

Embedded Content

Our Services may include content from third parties, such as:

Such embedded content is governed by the terms and privacy policies of the originating platforms.

API Integrations

Our Services may integrate with third-party APIs and services. Use of such integrated services is subject to the terms and conditions of those services in addition to these Terms.

12. Advertisers

Core Nexis may display advertisements on our websites, particularly on Core Nexis Blog and Core Nexis Tools.

Advertisement Policies

Regarding advertisements on our Services:

Affiliate Marketing

Our Services may contain affiliate links, which means:

Ad-Blocking Software

Regarding the use of ad-blocking software:

13. Site Management

Core Nexis reserves the right, but not the obligation, to:

Service Monitoring

We may:

Content Removal

We may remove content that:

Account Termination

We may terminate or suspend accounts that:

14. Privacy Policy

Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy at https://corenexis.com/privacy.

Integrated Privacy Approach

In alignment with our commitment to a unified platform experience:

Data Collection and Use

Our Privacy Policy explains:

Privacy Concerns

For any privacy-related concerns or questions, you can contact us at [email protected] or through our contact form at https://corenexis.com/contact.

15. Term and Termination

These Terms shall remain in full force and effect while you use the Services. We may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason, including breach of these Terms.

Account Termination

Upon termination of your account:

Survival of Terms

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation:

Reactivation

If your account is terminated:

16. Modifications and Interruptions

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. We also reserve the right to modify or discontinue all or part of the Services without notice at any time.

Service Updates

We may make changes to our Services, including:

Service Interruptions

We will not be liable if for any reason all or any part of the Services are unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Services, or the entire Services, to users, including registered users. Interruptions may occur due to:

Notification of Changes

For significant changes to the Services:

17. Governing Law

These Terms shall be governed by and defined following the laws of the United States and the State of Texas. Core Nexis and yourself irrevocably consent that the courts of Texas shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these Terms.

Jurisdiction

Legal proceedings related to these Terms shall be brought in the state or federal courts located in Texas, and you consent to the exclusive jurisdiction and venue of such courts. This provision does not prevent us from seeking injunctive relief in any jurisdiction when necessary to protect our intellectual property rights.

Compliance with Local Laws

You are responsible for complying with all local laws, regulations, and rules that apply to your use of the Services. The Services are intended for use only in jurisdictions where they may legally be offered for use.

Export Controls

The Services may be subject to U.S. export control laws and may be subject to export or import regulations in other countries. You agree not to export, re-export, or transfer, directly or indirectly, any technical data acquired from us, in violation of any applicable export laws or regulations.

18. Dispute Resolution

The Parties agree to attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof (collectively, "Disputes") informally by contacting each other first.

Informal Resolution

Before pursuing formal dispute resolution, we encourage you to:

Binding Arbitration

If informal resolution is unsuccessful, all Disputes shall be resolved by binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted in Texas, unless you and Core Nexis agree otherwise. The arbitration may be conducted in person, through the submission of documents, by phone, or online. The arbitrator shall have the power to rule on his or her own jurisdiction.

Exceptions to Arbitration

The following are exceptions to binding arbitration:

Class Action Waiver

Any arbitration shall be conducted on an individual basis and not as a class, consolidated, or representative action. If any court or arbitrator determines that the class action waiver is void or unenforceable, the entire arbitration agreement shall be null and void, and the Dispute must be brought in court.

Governing Law for Arbitration

The arbitration will be governed by the Federal Arbitration Act and Texas law, without regard to its conflict of laws provisions. The arbitrator, not any federal, state, or local court, shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability or formation of this arbitration agreement.

19. Corrections

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including but not limited to descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

Content Accuracy

While we strive to provide accurate and up-to-date information:

Reporting Errors

If you identify any errors on our websites or in our services, you can report them by:

20. Disclaimer

THE SERVICES ARE PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Specific Disclaimers

We make no warranties or representations about:

Technical Information Disclaimer

For technical tools and resources:

Financial Tools Disclaimer

For our financial tools:

21. Limitations of Liability

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Maximum Liability

Notwithstanding anything to the contrary contained herein, our liability to you for any cause whatsoever and regardless of the form of the action, will at all times be limited to the lesser of:

Jurisdictional Limitations

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitation or exclusion may not apply to you. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.

Essential Purpose

You agree that the limitations of damages set forth above are fundamental elements of the basis of the bargain between Core Nexis and you, and the Services would not be provided without such limitations.

22. Indemnification

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of:

Defense Cooperation

If we are involved in a legal matter where indemnification applies:

Survival of Indemnification

This indemnification provision will survive the termination of these Terms and your use of the Services.

23. User Data

We will maintain certain data that you transmit to the Services for the purpose of managing the Services, as well as data relating to your use of the Services. You are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services.

Data Security

We employ industry-standard security measures to protect your data:

Data Backup

While we implement security measures:

Data Upon Termination

Upon termination of your account:

24. Electronic Communications

By using our Services, you consent to receive electronic communications from us. These communications may include notices about your account, confirmation emails, newsletters, and other information concerning or related to the Services. You agree that any notices, agreements, disclosures, or other communications that we send to you electronically will satisfy any legal communication requirements, including that such communications be in writing.

Communication Methods

We may communicate with you via:

Opting Out

You may opt out of certain communications:

Communication Records

We may keep records of communications with you for:

25. California Users and Residents

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.

California Consumer Privacy Act (CCPA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act, which are detailed in our Privacy Policy.

California Shine the Light Law

California Civil Code Section 1798.83, known as the "Shine The Light" law, permits users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year.

California Minor Content Removal

If you are a California resident under the age of 18, and a registered user of our Services, California Business and Professions Code Section 22581 permits you to request and obtain removal of content or information you have publicly posted. Please note that such removal does not ensure complete or comprehensive removal of the content or information posted and that the law may not permit or require removal in certain circumstances.

26. Miscellaneous

Entire Agreement

These Terms and our Privacy Policy constitute the entire agreement between you and us regarding the Services and supersede all prior and contemporaneous written or oral agreements, understandings, or communications on the subject matter.

Waiver

No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

Severability

If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

Assignment

You may not assign these Terms without our prior written consent, but we may assign or transfer these Terms, in whole or in part, without restriction.

Force Majeure

We will not be liable for any delay or failure to perform resulting from causes outside 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.

Headings

The section titles in these Terms are for convenience only and have no legal or contractual effect.

Relationship of the Parties

Nothing in these Terms is intended to or will create any partnership, joint venture, agency, franchise, sales representative, or employment relationship between you and Core Nexis.

27. Contact Us

If you have any questions about these Terms, please contact us:

Social Media

You can also reach us through our social media profiles:

In alignment with our unified platform approach, you can contact us about any Core Nexis product or service through these common channels. As per our motto, one platform serves all your Core Nexis needs.