Date Last Revised: December 13, 2016
1. Accepting the Terms
2. Privacy and your Personal Information
Arora welcomes people of all genders and gender expressions to access and utilize the Sites and the Services. Arora does not discriminate on the basis of gender, gender expression, race, color, religion (creed), age, national origin (ancestry), disability, marital status, sexual orientation, or military status, in any of its activities or operations.
4. Description of the Services
Arora Wallet is a personal finance information management service that allows you to consolidate and track your financial information. Arora Wallet is provided to you by Arora for free and is meant to provide you with your information to allow you to organize and manage your finances.
Arora-Ed is a free financial literacy course offered in partnership with National Life Skills Education Council, LLC d/b/a National Financial Educators Council.
The Services and/or the Sites may also present you information relating to third party products or services (“Arora Offers”) that you may be interested in. The Services and/or the Sites may also provide you general tips, recommendations and educational material.
5. Arora Wallet: Account Information from Third Party Sites
Users of Arora Wallet may direct Arora to retrieve their own information maintained online by third-parties with which they have customer relationships, maintain accounts or engage in financial transactions (“Account Information”). Arora works with one or more online service providers to access this Account Information. Arora does not review the Account Information for accuracy, legality or non-infringement. Arora is not responsible for the Account Information or products and services offered by or on third-party sites.
Arora cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain data or loss of data, personalization settings or other service interruptions. Arora cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, communications or personalization settings. For example, when displayed through the Services, Account Information is only as fresh as the time shown, which reflects when the information is obtained from such sites. Such information may be more up-to-date when obtained directly from the relevant sites.
6. Arora Offers and Third-Party Links
The Services may display Arora Offers that may be custom matched to you based on information stored in the Services, queries made through the Services or other information. We may disclose when a particular Arora Offer is sponsored or otherwise provided by a third party.
The Services and Sites will provide links to other web sites belonging to third parties. These links are provided to you as a convenience. Arora does not endorse, warrant or guarantee the products or services available through any other third-party products or services advertised on or linked from the Sites or Services, whether or not sponsored. Arora is not an agent or broker or otherwise responsible for the activities or policies of those web sites. Arora does not guarantee that the loan, investment, plan or other service terms, rates or rewards offered by any particular third party on the Sites are actually the terms that may be offered to you if you pursue the offer or that they are the best terms or lowest rates available in the market. Arora may receive compensation from third parties whose services or products are linked to from the Sites or Services.
If you elect to use or purchase services from third parties, you are subject to their terms and conditions and privacy policies.
7. Your Registration Information and Electronic Communications
In order to allow you to use any of the Services, you will need to sign up for an account with Arora. We may verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. These inquiries may include asking you for further information, requiring you to provide your full address and/or requiring you to take steps to confirm ownership of your email address or financial instruments, or verifying information you provide against third party databases or through other sources. If you do not provide this information or Arora cannot verify your identity, we can refuse to allow you to use the Services.
You agree and understand that you are responsible for maintaining the confidentiality of your password which, together with your login ID, allows you to access the Services. That login ID and password, together with any other information you provide, form your “Registration Information.” You consent to receive communications electronically. Electronic communications may be posted on the Services site and/or delivered to your e-mail address that we have on file for you. It is your responsibility to promptly update us with your complete, accurate contact information, or change your information, including email address, as appropriate. Notices will be provided in HTML (or, if your system does not support HTML, in plain-text) in the text of the e-mail or through a link to the appropriate page on our Sites, accessible through any standard, commercially available internet browser. Your consent to receive communications electronically is valid until you end your relationship with us.
You may print a copy of any electronic communications and retain it for your records. We reserve the right to terminate or change how we provide electronic communications and will provide you with appropriate notice in accordance with applicable law.
If you become aware of any unauthorized use of your Registration or Account Information for the Services, you agree to notify Arora immediately at the email address: firstname.lastname@example.org.
If you believe that your Registration Information or Account Information or device that you use to access the Services has been lost or stolen, or that someone is using your account without your permission, you must notify us immediately in order to minimize your possible losses.
The following is Arora’s contact information:
Address: 7 Times Square, 37th Floor, New York, NY 10036
8. Your Use of the Services
Your right to access and use the Sites and the Services is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use the Sites and Services for lawful purposes. Accurate records enable Arora to provide the Services to you. You must provide true, accurate, current and complete information about your accounts maintained at other web sites, and you may not misrepresent your Registration Information or Account Information. In order for the Services to function effectively, you must also keep your Registration Information and Account Information up to date and accurate. If you do not do this, the accuracy and effectiveness of the Services will be affected. You represent that you are a legal owner of, and that you are authorized to provide us with, all Registration Information and Account Information and other information necessary to facilitate your use of the Services.
Your access and use of the Sites and/or the Services may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Sites and/or Services or other actions that Arora, in its sole discretion, may elect to take. In no event will Arora be liable to any party for any loss, cost, or damage that results from any scheduled or unscheduled downtime.
Your sole and exclusive remedy for any failure or non-performance of the Sites and/or Services, including any associated software or other materials supplied in connection with such services, shall be for Arora to use commercially reasonable efforts to effectuate an adjustment or repair of the applicable service.
9. Use With Your Mobile Device
10. Online and Mobile Alerts
Arora may from time to time provide automatic alerts and voluntary account-related alerts. Automatic alerts may be sent to you following certain changes to your account or information, such as a change in your Registration Information.
Voluntary account alerts may be customized, deactivated or reactivated by you. These alerts allow you to choose alert messages for your accounts. Arora may add new alerts from time to time, or cease to provide certain alerts at any time upon its sole discretion.
You understand and agree that any alerts provided to you through the Services may be delayed or prevented by a variety of factors. Arora may make commercially reasonable efforts to provide alerts in a timely manner with accurate information, but cannot guarantee the delivery, timeliness, or accuracy of the content of any alert. Arora shall not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert.
Electronic alerts will be sent to the email address you have provided as your primary email address for the Services. If your email address or your mobile device’s email address changes, you are responsible for informing us of that change. You can also choose to have alerts sent to a mobile device that accepts text messages. Changes to your email address or mobile number will apply to all of your alerts.
Users of Arora Wallet: Because alerts are not encrypted, we will never include your passcode. However, alerts may include your login ID and some information about your accounts. Depending upon which alerts you select, information such as an account balance or the due date for your credit card payment may be included. Anyone with access to your email will be able to view the content of these alerts. At any time you may disable future alerts.
11. Rights You Grant to Us
12. Arora’s Intellectual Property Rights
13. Access and Interference
You agree that you will not:
- Use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Sites or any portion of the Sites, without Arora’s express written consent, which may be withheld in Arora’s sole discretion;
- Use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Sites, other than the search engines and search agents available through the Sites and other than generally available third-party web browsers (such as Microsoft Explorer);
- Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of the Services;
- Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Sites or the Services; or
- Attempt to gain an unauthorized access to any portion of the Sites or the Services.
14. Social media sites
15. Disclaimer of Representations and Warranties
THE SITES, SERVICES, INFORMATION, DATA, FEATURES, AND ALL CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH THE SITES OR SERVICES OR PROVIDED THROUGH THE SITES OR SERVICES (WHETHER OR NOT SPONSORED) ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS. ARORA, ITS AFFILIATES, AND ITS THIRD PARTY PROVIDERS, LICENSORS, DISTRIBUTORS OR SUPPLIERS (COLLECTIVELY, "SUPPLIERS") MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF THE SITES OR OF THE SERVICES. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK.
NEITHER ARORA OR ITS SUPPLIERS MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT ON THE SITES OR OF THE SERVICES (WHETHER OR NOT SPONSORED), AND ARORA EXPRESSLY DISCLAIMS ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. NEITHER ARORA OR ITS SUPPLIERS MAKE ANY REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICES IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.
16. Not a Banking Institution, Financial Planner, Financial Advisor, Broker or Tax Advisor
NEITHER ARORA, THE SITES OR THE SERVICES ARE INTENDED TO PROVIDE LEGAL, TAX OR FINANCIAL ADVICE. ARORA IS NOT A BANKING INSTITUTION, FINANCIAL PLANNER, FINANCIAL ADVISOR, BROKER OR TAX ADVISOR. The Sites and Services are intended only to assist you in your financial organization and decision-making and are broad in scope. Your personal financial situation is unique, and any information and advice obtained through the Sites or Services may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisors who are fully aware of your individual circumstances.
17. Limitations on Arora’s Liability
18. Your Indemnification of Arora
19. Terminating Access to the Sites or Services
You acknowledge and agree that Arora may immediately deactivate or delete your account and all related information and files in your account and/or prohibit any further access to all files and the Services by you. Further, you agree that Arora shall not be liable to you or any third party for any termination of your access to the Sites or Services.
21. Governing Law and Forum for Disputes