These Terms & Conditions (the "Terms") are between you and Truthifi, Inc., ("Truthifi," "we" and "us") and govern your access to and use of our website (“Site”) currently located at Truthifi.com and its respective products and services (collectively together with the “Site”, the “Services”). Your use of the Services in any way means that you agree to all of these Terms, and these Terms will remain in effect while you use the Services.

Truthifi’s Services are offered and available to users 18 years of age and older that reside in the United States of America. By using Truthifi’s Services you represent and warrant that you meet all the foregoing eligibility requirements. If you do not meet all these requirements, you must discontinue your use of Truthifi’s Services.

We are continually trying to improve our Services, so these Terms may need to change along with the Services. We reserve the right to change the Terms at any time, but if we do, we will bring it to your attention by placing a notice on the Truthifi website, by sending you an email, and/or by some other means. We may suspend or discontinue any part of the Services, or we may introduce new features or impose limits on certain features or restrict access to parts or all of the Services. We will try to give you advance notice when we make a material change to the Services that would adversely affect you, however, this is not always practical. Similarly, we reserve the right to remove any materials displayed or performed or available on or through the Services, including, but not limited to, text, graphics, data, articles, photos, images, illustrations, and so forth (the "Content") and anything you post, upload, share, store, or otherwise provide ("User Submissions") from the Services at any time, for any reason (including, but not limited to, if someone alleges you contributed that Content in violation of these Terms), in our sole discretion, and without notice.

If you do not agree with the new Terms, you are free to reject them; this means you will no longer be able to use the Services. If you use the Services in any way after a change to the Terms is effective, this means you agree to all of the changes.

Linking your accounts to Truthifi’s Services

By using the Services, you authorize and direct Truthifi, either directly or through Truthifi’s Data Aggregators (defined below), to access your financial services accounts (“Data Sources”) that you designate, with the account log-in credentials that you provide, to retrieve your investment holdings and transaction data (“Financial Data”), and to access Data Sources requested by you. You hereby acknowledge that Morningstar | By All Accounts, Plaid, and Envestnet | Yodlee are Truthifi, Inc., Data Aggregators. Accordingly, Truthifi’s Services are connected or linked to your Data Sources through Morningstar | By All Accounts, Plaid, or Envestnet | Yodlee. When you request your Financial Data from Data Sources connected to our Services, Morningstar | By All Accounts, Plaid, or Envestnet | Yodlee collects that data and provides it to us. Morningstar | By All Accounts, Plaid, and Envestnet | Yodlee act on our behalf in this process, which means we share your data with Morningstar | By All Accounts, Plaid, and Envestnet | Yodlee as our service providers. For more information on how Morningstar | By All Accounts, Plaid, or Envestnet | Yodlee collects, uses, stores, and handles your Financial Data, please see Plaid’s privacy policy or Envestnet | Yodlee’s commitment to its clients and to consumers. If there is any inconsistency between Morningstar | By All Accounts, Plaid, or Envestnet | Yodlee’s policies and these Terms regarding Morningstar | By All Accounts, Plaid, or Envestnet | Yodlee’s activities, the terms of Morningstar | By All Accounts, Plaid, or Envestnet | Yodlee’s policy prevails.

Privacy

Truthifi takes the privacy of its users very seriously. Our Privacy Policy explains how we treat your personal data and protect your privacy when you use our Site and Services. By using our Services, you agree that Truthifi can use such personal data accordingly.

The basics of using Truthifi

You will be required to sign up for an account, and select a password and user name ("Truthifi User ID"). You promise to provide us with accurate, complete, and updated registration information about yourself. You may not select as your Truthifi User ID a name that you do not have the right to use, or another person's name with the intent to impersonate that person. You may not transfer your account to anyone else without our prior written permission.

You will only use the Services for your own internal, personal, non-commercial use, and not on behalf of or for the benefit of any third party. Truthifi is not responsible for usage of its Services in any way that breaks the law.

You are responsible for the security of your account, password and any activity associated with your account.

Your use of the Services is subject to the following additional restrictions:

• You represent, warrant, and agree that you will not contribute any Content or otherwise use the Services or interact with the Services in a manner that:

• Infringes or violates the intellectual property rights or any other rights of anyone else (including Truthifi);

• Violates any law or regulation, including any applicable export control laws;

• Is harmful, fraudulent, deceptive, threatening, harassing, defamatory, obscene, or otherwise objectionable;

• Jeopardizes the security of your Truthifi account or anyone else's (such as allowing someone else to log in to the Services as you);

• Attempts, in any manner, to obtain the password, account, or other security information from any other user;

• Violates the security of any computer network, or cracks any passwords or security encryption codes;

• Runs MailList, Listserv, any form of auto-responder or "spam" on the Services, or any processes that run or are activated while you are not logged into the Services, or that otherwise interferes with the proper working of the Services (including by placing an unreasonable load on the Services' infrastructure);

• "Crawls," "scrapes," or "spiders" any page, data, or portion of or relating to the Services or Content (through use of manual or automated means);

• Copies or stores any significant portion of the Content; or

• Decompiles, reverse engineers, or otherwise attempts to obtain the source code or underlying ideas or information of or relating to the Services.

A violation of any of the foregoing is grounds for termination of your right to use or access the Services.

Content and displayed or available on or through the Services are protected by copyright and/or other intellectual property laws. You promise to abide by all copyright notices, trademark rules, information, and restrictions contained in any Content you access through the Services, and you will not use, copy, reproduce, modify, translate, publish, broadcast, transmit, distribute, perform, upload, display, license, sell or otherwise exploit for any purpose any Content not owned by you, without the prior consent of the owner of that Content or in a way that violates someone else's (including Truthifi's) rights.

You understand that Truthifi owns the Services. You agree not to modify, publish, transmit, participate in the transfer or sale of, reproduce (except as expressly provided in this Section), create derivative works based on, or otherwise exploit any of the Services.

The Services may allow you to copy or download certain Content; please remember that just because this functionality exists, does not mean that all the restrictions above do not apply – they do!

Content you provide

Truthifi’s Services, may contain interactive services that allow you to contribute, post, submit, publish, display, or transmit content such as but not limited to: questions, responses to questions, commentary, and observations that you create or otherwise provide (“User Content”). User Content does not include your Financial Data. By creating or providing User Content within Truthifi’s Services, you grant Truthifi and its Service Providers successors and assignees a fully paid, perpetual, worldwide right and license to use, reproduce, modify, display, perform, distribute and otherwise disclose such User Content to provide the Services. By submitting Content, you represent and warrant that you own or control all rights in your User Content sufficient to grant the above license, that you are responsible for any User Content that you create or provide, and that you take full responsibility for the legality, accuracy, and appropriateness of such User Content.

Disclaimers

You access the Services and all Content at your own risk. Neither Truthifi nor its licensors or suppliers makes any representations or warranties concerning any content contained in or accessed through the Services, and we will not be responsible or liable for the accuracy, copyright compliance, legality, or decency of material contained in or accessed through the Services. You are responsible for all Content you contribute to the Services, and you represent and warrant you have all rights necessary to contribute it in the manner in which you contribute it. We (and our licensors and suppliers) make no representations or warranties regarding suggestions or recommendations of services or products offered or purchased through the Services. Products and services purchased or offered (whether or not following such recommendations and suggestions) through the Services are provided "AS IS" and without any warranty of any kind from Truthifi or others (unless, with respect to such others only, provided expressly and unambiguously in writing by a designated third party for a specific product). Your interactions with organizations and/or individuals found on or through the Services are solely between you and such organizations and/or individuals, and Truthifi is not be responsible or liable for any loss or damage of any sort incurred in connection with your dealings therewith. The Services may contain links or connections to third party websites or services that are not controlled by Truthifi. There are risks in accessing such sites and services, and Truthifi is not responsible for such risks.

No Content can or should be construed as professional advice of any kind (including financial planning, business, employment, investment, accounting, tax, and/or legal advice). The Content is provided for educational purposes only, and is not intended to be a substitute for the professional advice of a financial planner, financial advisor, accountant or otherwise. We are not liable for any errors or omissions in the Content (including any Content provided by Truthifi) or for any damages or loss you might suffer in connection with it. We cannot control and have no duty to take any action regarding how you may interpret and use the Content or what actions you may take as a result of having been exposed to the Content, and you hereby release us from all liability for your having acquired or not acquired Content through the Services. Truthifi has no duty or obligation to update any information contained in the Content. Without limiting any of the foregoing, some Content may contain forward-looking statements based on assumptions; Truthifi is not responsible for forward-looking statements, and there can be no assurance that actual results may not differ from those expressed or implied by forward-looking statements.

Limitation of Liability

TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY (INCLUDING, WITHOUT LIMITATION, TORT, CONTRACT, STRICT LIABILITY, OR OTHERWISE) SHALL TRUTHIFI (OR ITS LICENSORS, SUPPLIERS OR SERVICE PROVIDERS) BE LIABLE TO YOU OR TO ANY OTHER PERSON FOR (A) ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND, INCLUDING DAMAGES FOR LOST PROFITS, LOSS OF GOODWILL, WORK STOPPAGE, ACCURACY OF RESULTS, OR COMPUTER FAILURE OR MALFUNCTION, OR (B) ANY AMOUNT, IN THE AGGREGATE, IN EXCESS OF THE GREATER OF (I) $100 OR (II) THE AMOUNTS PAID BY YOU TO TRUTHIFI IN CONNECTION WITH THE SERVICES IN THE TWELVE (12) MONTH PERIOD PRECEDING THIS APPLICABLE CLAIM, OR (C) ANY MATTER BEYOND OUR REASONABLE CONTROL. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO THE ABOVE LIMITATION AND EXCLUSIONS MAY NOT APPLY TO YOU.

Indemnity

You agree to indemnify and hold Truthifi, its affiliates, officers, agents, employees, and partners harmless from and against any and all claims, liabilities, damages (actual and consequential), losses and expenses (including attorneys' fees) arising from or in any way related to any third- party claims relating to (a) your use of the Services (including any actions taken by a third party using your account), and (b) your violation of these Terms. In the event of such a claim, suit, or action ("Claim"), we will attempt to provide notice of the Claim to the contact information we have for your account (provided that failure to deliver such notice shall not eliminate or reduce your indemnification obligations hereunder).

Assignment

You may not assign, delegate or transfer these Terms or your rights or obligations hereunder, or your Services account, in any way (by operation of law or otherwise) without Truthifi’s prior written consent. We may transfer, assign, or delegate these Terms and our rights and obligations without consent.

Governing law

You agree that your relationship with Truthifi under these Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to any choice or conflict of laws rules or provisions. All claims arising out of or relating to these Terms, the Site, or the Services will be instituted exclusively in the federal or state courts of Delaware, USA, and you and Truthifi consent to personal jurisdiction in those courts. Any cause of action or claim you may have with respect to the Services must be commenced within one (1) year after the claim or cause of action arises or such claim or cause of action is barred. You further agree to attempt informal resolution prior to instituting any legal action, mediation, or arbitration.

Miscellaneous

The failure of either you or us to exercise, in any way, any right herein shall not be deemed a waiver of any further rights hereunder. If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated, to the minimum extent necessary, so that these Terms shall otherwise remain in full force and effect and enforceable. You and Truthifi agree that these Terms are the complete and exclusive statement of the mutual understanding between you and Truthifi, and that it supersedes and cancels all previous written and oral agreements, communications and other understandings relating to the subject matter of these Terms. You hereby acknowledge and agree that you are not an employee, agent, partner, or joint venture of Truthifi, and you do not have any authority of any kind to bind Truthifi in any respect whatsoever.

For questions regarding these Terms & Conditions, please contact us at support@truthifi.com.