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Terms of Use

Terms of Use

This document lays out the terms of use to which you must agree before creating your account with us or otherwise using the Site.

Quovo, Inc. (together with its affiliates, “Quovo”) provides this web site and the services available through this web site (collectively, the “Site”) for informational purposes only. Your access to the Site is subject to the terms, conditions and disclaimers appearing on the Site (“Terms of Use”), and all applicable laws. By accessing, browsing and/or using the Site, you accept, without limitation or qualification, the Terms of Use.

By using the Site, you agree to be bound by the Terms of Use, whether you are a “visitor” (which means that you simply browse the Site) or you are a “registered user” (which means that you have either registered directly with Quovo or your financial advisor has created an account on your behalf and you have accepted a invitation from your advisor to access and use the Site).

Each time you use the Site, the current version of the Terms of Use will apply. Please review carefully all of the Site’s Terms of Use before agreeing to them and accessing the Site.

Our Privacy Policy, available at www.quovo.com/legal/privacy-policy/, is incorporated by reference into these Terms of Use. You expressly agree that we may collect, disclose, store and otherwise use your information in accordance with the terms of the Quovo Privacy Policy.

The purpose of the Site is to aggregate and display investment data from a variety of users, groups, advisors, clients, and other parties; retrieved from end financial institutions, and normalized and presented in a way to provide benefits to users. We cannot and do not warrant or guarantee the accuracy, timeliness, completeness, sequence or adequacy of any participant information posted on the Site. We do request, however, that if you believe that any content on the Site contains misappropriated content, or is otherwise in violation of any law, rule or regulation, that you notify us at info@quovo.com.

Each and every transaction, idea, view, opinion and/or other information concerning any company, property, product, service, security, instrument or any other matter (collectively, “information”) submitted by a user for posting on the Site is solely that of the participant, and does not reflect any information of Quovo and/or its officers, employees, partners, suppliers and agents (collectively, “we”, “our” or “us”).

Personal Use; Registration

Subject to the terms and conditions herein, Quovo grants you a limited, revocable, non-transferable, non-sublicensable, non-exclusive license and right to access the Site through a generally available web browser, mobile device or Quovo authorized application to view content and information and otherwise use the Site to the extent intended and permitted by the functionality thereof. This license is personal to you. You acknowledge that, except as otherwise expressly provided, these Terms are solely between you and Quovo.

You agree and understand that you are responsible for maintaining the confidentiality of your password which, together with your (log on) email address or username, allows you to access certain portions of the Site. That email address/username and password, together with any mobile number, address, other contact information, or any other personal information you provide form your “Registration Information.”

By providing us with your email address, you agree to receive all required notices electronically, to that email address. It is your responsibility to update or change that 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 email or through a link to the appropriate page on our site, accessible through any standard internet browser.

If you become aware of any unauthorized use of your Registration Information, please notify us immediately at the email address info@quovo.com.

Restrictions

When using the Site, you must comply with all applicable laws, including without limitation, the rules and regulations of the U.S. Securities and Exchange Commission, any applicable foreign or domestic regulatory body, national or other securities exchanges, including rules against making false or misleading statements to manipulate the price of a security. You will not, and will not permit anyone else to: (a) store, copy, modify, distribute, or resell any of the information or compile or collect any information as part of a database or other work; (b) use any automated tool (e.g., robots, spiders) to use the Site or store, copy, modify, distribute, or resell any information; (c) rent, lease, or sublicense your access to the Site to another person; (d) use the Site or information for any purpose except for your own personal use; (e) circumvent or disable any digital rights management, usage rules, or other security features of the Site; (f) use the Site in a manner that threatens its integrity, performance, or availability; (g) use the Site to disseminate or communicate in any way any information that would be considered “insider” or “non-public” information about any company or investment; or (h) remove, alter, or obscure any proprietary notices (including copyright notices) on any portion of the Site or information.

No Advice, Endorsement or Special Relationship

Quovo is not providing investment, tax or legal advice, acting as a fiduciary or endorsing any company, property, product, service, security, instrument, or any other matter by posting any participant-submitted information on the Site. Quovo is not disposing investment advisory services on this Site. We do not purport to tell people, or suggest to people what they should buy or sell for themselves. Neither Quovo nor any Quovo affiliate is responsible for any investment decision made by participants on the basis of using the Site. Participants should always read the corresponding prospectus, check with their licensed financial advisor and their tax advisor to determine the suitability of any investment. Please conduct your own due diligence. Finally, the passage of time can render all information stale, and neither Quovo nor any Quovo affiliate is responsible for any misconceptions that may result from the reading of dated information.

All information posted by Quovo employees and/or affiliated persons, such as blog posts or other content, is designed purely for the entertainment of Quovo users. None of this information is designed to represent advice of any kind (as described in the preceding paragraph).

Any user may view the information posted on the Site for informational purposes only. No part of this information may be redistributed, copied, re-purposed or reproduced without our prior written consent. The information contained in the Site is subject to change without notice.

The information posted on the Site: (i) is not, and should not be deemed, an offer to sell, or a solicitation of an offer to buy, any securities or any other investments in any jurisdiction; (ii) should not be used by others in connection with any sale, offer for sale or solicitation of an offer to buy securities or any other investments, and (iii) is not a recommendation or opinion for you to participate in any transaction.

We shall have no liability for investment or other decisions based upon any of this information and/or decisions based upon a contrarian view of any of this information. We specifically disclaim any and all liability or loss arising out of any action taken in reliance on this information, including but not limited to market value or other loss on the sale or purchase of any company, property, product, service, security, instrument, or any other matter.

Past performance may not be indicative of future investment results. Any investment involves potential risk, including potential loss of capital. Please consult your legal, tax and financial advisors in connection with any potential sale or purchase of any company, property, product, service, security, instrument, or anything else of any value.

Your use of the hyperlinks on the Site to other Internet sites is at your own risk. We are not responsible for third party sites hyperlinked from the Site, nor do we make any endorsements or warranties, express or implied, with respect to the content of third party websites or the products or services offered on any third party websites, including but not limited to accuracy, completeness, reliability, suitability, non-infringement, merchantability or fitness for a particular purpose. We do not warrant or represent that any third party site or the content thereon, is devoid of viruses or other contamination. We do not guarantee the authenticity of documents available on the Internet. We reserve the right to terminate any link at any time.

Participant Conduct

You understand that all information, whether publicly posted or privately transmitted, is the sole responsibility of the participant from whom such information originated. This means that you, and not us, are entirely responsible for all information that you upload, post, email, transmit or otherwise make available to us, the Site or other users.

You agree to not use the Site to:

  • upload, post, email, transmit or otherwise make available any information that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable;
  • impersonate any person or entity, including, but not limited to, a Site official, forum leader, guide or host, or falsely state or otherwise misrepresent your affiliation with a person or entity;
  • forge headers or otherwise manipulate identifiers in order to disguise the origin of any information transmitted by you;
  • upload, post, email, transmit or otherwise make available any information that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
  • upload, post, email, transmit or otherwise make available any information that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;
  • upload, post, email, transmit or otherwise make available any information that would be considered “non-public” or “insider” information about any company or investment;
  • upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; and/or
  • intentionally or unintentionally violate any applicable local, state, national or international law, including, but not limited to, regulations promulgated by the U.S. Securities and Exchange Commission, any rules of any national or other securities exchange, including, without limitation, the New York Stock Exchange, the American Stock Exchange or the NASDAQ, and any regulations having the force of law.

You acknowledge the following: (i) we do not pre-screen or review participant-submitted information, but that we and our designees shall have the right (but not the obligation) in our and their sole discretion to pre-screen, refuse, move or remove any such information, (ii) we may monitor and record activity on the Site for any reason or for no reason, (iii) we may investigate any complaint or reported violation of our policies, and (iv) we may report any activity that we suspect may violate any law or regulation to regulators, law enforcement officials or other persons or entities that we deem appropriate.

Your Indemnification of Quovo

You agree to indemnify, defend and hold Quovo and its affiliates harmless from and against any and all claims, actions, liabilities, losses, costs, damages or suits (including, but not limited to, attorneys’ fees) caused by or arising from your improper use of the Site, information provided to us by you, your violation of the Terms of Use, or your or any user of your account’s infringement or misappropriation of any intellectual property or other rights of any person or entity.

Data Submission and Retrieval from Third Party Institutions

You may choose to provide us information that we will use to view your activity on other websites and at financial institutions such as brokerages and banks. Such information may include: account trade confirmations, account statements, account position and balance information, hypothetical or “mock” trades and position information from other investment websites, and other related information from financial institution websites and other websites. In order to retrieve this information (“Sync Information”), you may supply us with the credentials that you use to log into online portals at your financial institutions; this may include usernames, passwords, PIN numbers, multifactor authentication questions and answers, one-time access PINs, and other related information (“Credentials”).

You agree that such Sync Information and Credentials and the use of our data retrieval software in the context of Site usage is subject to the following terms:

  • Accurate Information: You, the end user, agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other web sites and you agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate.
  • Right to Share Information: You represent that you are entitled to submit your Credentials and other such information to Quovo for the uses described in this Section.
  • Proprietary Rights: You are permitted to use content delivered to you through the Site only on the Site. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of the Site technology, including but not limited to, any Java applets associated with the Site.
  • Your Content: As between you and Quovo, you own the information, materials, photos, or other content (the “Content”) you provide Quovo under this Agreement. Any Content that you upload or otherwise provide to Quovo in connection with the Site may be used by Quovo (or its licensees or service providers) in order to provide and promote the Site or Quovo’s business. Accordingly, you grant to Quovo, and all of its subsidiaries, affiliates, successors, and assigns, a worldwide, perpetual, royalty-free, fully paid, sublicensable, non-exclusive, and transferable right to license to use, publish, reproduce, distribute, modify, prepare derivative works of, adapt, publicly display and otherwise use the Content. Such right to use such Content shall survive the termination of these Terms of Use. You authorize us to use, forward, or post your profile or related information on other sites and the Site. Notwithstanding the foregoing, you retain all rights to the Content, except as otherwise provided herein or as otherwise provided in any other agreement between you and Quovo. Any Content you submit to us is provided at your own risk of loss. You are solely responsible for all Content you share, provide, display, publish, or disseminate to others, whether such action was taken by us or you. By providing Content to us, you represent and warrant that you are entitled to submit it and that it is not confidential and not in violation of any law, contractual restrictions or other third party rights (including any intellectual property rights). Quovo may also remove or delete your Content from the Site at any time in its sole discretion.
  • Third Party Access: By using the Site, you authorize Quovo to access third party sites designated by you, on your behalf, to retrieve information requested by you, and to register for accounts requested by you. For all purposes hereof, you hereby grant Quovo a limited power of attorney, and you hereby appoint Quovo as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, 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 such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN QUOVO ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY SITES, QUOVO IS ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that the Site is not endorsed or sponsored by any third party account providers accessible through the Site.
  • Feedback: You may from time to time identify problems, solutions to identified problems, provide suggestions, comments or other feedback related to our Site or otherwise relating to Quovo (“Feedback”) to Quovo. You acknowledge and agree that all Feedback is and shall be given entirely voluntarily and Quovo shall be free to use or disclose such Feedback for any purpose. You further acknowledge and agree that your Feedback does not contain confidential or proprietary information and you are not entitled to any compensation or reimbursement of any kind from Quovo under any circumstances relating to such Feedback.

DISCLAIMER OF WARRANTIES

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

YOUR USE OF THE SITE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SITE IS AT YOUR SOLE RISK. THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. QUOVO EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND AS TO THE SITE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SITE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT.

QUOVO MAKES NO WARRANTY THAT (i) THE SITE WILL MEET YOUR REQUIREMENTS, (ii) THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE WILL MEET YOUR EXPECTATIONS, OR (V) ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED.

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM QUOVO THROUGH OR FROM THE SITE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS OF USE.

LIMITATION OF LIABILITY

UNDER NO CIRCUMSTANCES WILL QUOVO, ITS AFFILIATES, EMPLOYEES, AGENTS, REPRESENTATIVES, LICENSORS OR OTHER THIRD PARTY PARTNERS (“QUOVO PARTIES”) BE LIABLE TO YOU OR ANY OTHER PERSON FOR ANY INDIRECT, INCIDENTAL, PUNITIVE, SPECIAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF OUR SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY; INCLUDING WITHOUT LIMITATION DAMAGES RESULTING FROM LOST PROFITS, LOST DATA, LOSS OF BUSINESS OR BUSINESS INTERRUPTION, WHETHER DIRECT OR INDIRECT, ARISING OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF OUR SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY. YOUR SOLE AND EXCLUSIVE REMEDY UNDER THIS AGREEMENT SHALL BE FOR YOU TO DISCONTINUE YOUR USE OF THE SITE.

A QUOVO PARTY’S TOTAL CUMULATIVE LIABILITY SHALL IN NO EVENT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID QUOVO FOR YOUR USE OF THE SITE IN THE PRIOR THREE (3) MONTHS; AND (B) THE SUM OF ONE HUNDRED (100) US DOLLARS.

SOME STATES OR JURISDICTIONS MAY NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY. IN SUCH STATES OR JURISDICTIONS, THE QUOVO PARTIES’ LIABILITY TO YOU SHALL BE LIMITED TO THE FULL EXTENT PERMITTED BY LAW.

EACH PROVISION OF THESE TERMS THAT PROVIDES FOR A LIMITATION OF LIABILITY, DISCLAIMER OF WARRANTIES, OR EXCLUSION OF DAMAGES IS TO ALLOCATE THE RISKS OF THIS AGREEMENT BETWEEN THE PARTIES. THIS ALLOCATION IS REFLECTED IN THE PRICING OFFERED BY QUOVO TO YOU AND IS AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN THE PARTIES. EACH OF THESE PROVISIONS IS SEVERABLE AND INDEPENDENT OF ALL OTHER PROVISIONS OF THESE TERMS. THE LIMITATIONS IN SECTIONS 16 AND 17 WILL APPLY NOTWITHSTANDING THE FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY IN THIS AGREEMENT.

Choice of Law; Jurisdiction, Unenforceability

Your access to and use of this website, and these terms, are governed by and will be construed in accordance with the laws of the State of New York, U.S.A., without giving effect to any law or rule that would cause the laws of any jurisdiction other than the State of New York to be applied. Any action arising out of these Terms or this website shall be litigated in, and only in, courts located in New York City, New York, and you agree to submit to the exclusive jurisdiction of those courts and further agree that they are a convenient forum for you.

YOU AND WE HEREBY WAIVE THE RIGHT TO TRIAL BY JURY IN ANY ACTION ARISING OUT OF OR RELATING TO THESE TERMS OR THIS WEBSITE.

In the event that any provision of these terms is held unenforceable, the validity or enforceability of the remaining provisions will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable provision.

Other agreements may apply to specific products and services offered through the Site. Agreements applicable to a specific product or service supersede these terms.

Section headings are for convenience only.

Ongoing Development & Competition

As with any technology product or website, elements of Quovo continue to be developed and may change from time to time. While no services on the Site are guaranteed to be fully operational or accurate at any time, the ongoing development process may mean that services may be unavailable and under construction from time to time. By agreeing to participate as a Site user, you acknowledge that Site functionality may be altered or removed, either in part or completely, at any time.

Furthermore, you represent to us that: (a) you are not currently employed or in any way affiliated with (or plan to be employed or in any way affiliated with) one of Quovo’s competitors in the online finance space; (b) you will not distribute any information about Quovo, our services, or our website, to any parties for the purposes of competition with our services; (c) engage in any competition with Quovo in any service currently offered on the Site; (d) distribute any information about Quovo to any person in the media; or (e) publish any information about Quovo in any public medium, including but not limited to, other websites, blogs, newspapers, magazines, or television programs. If there is a conflict with any of the above areas, prior approval must be granted by Quovo in writing before you can use the Site or distribute the information described above.

Termination

Quovo reserves the right to, and may, terminate or temporarily suspend your access to all or any part of the Site, without notice, for conduct that Quovo believes violates these Terms of Use or any of its policies or guidelines, or for any other reason in its sole discretion.

Trademarks; proprietary rights

The Site and the information contain copyrighted material, trademarks and other proprietary information, including text, graphics and software. Quovo is the owner of the copyright in the Site, as well as the copyright in any information original to Quovo. Each participant, or other third party provider of information, owns the copyright in the information original to it. Except as permitted under copyright law, you shall not copy, redistribute, publish or commercially exploit the Site, any portion of the Site or any of the information without the express written consent of the respective owner(s) thereof.

Quovo’s trademarks (including any service marks) and logos are the property of Quovo. All other trademarks appearing on the Site are the property of their respective owners. Nothing contained on the Site should be construed as granting by implication, or otherwise, any license or right to use the trademarks or logos appearing on the Site without the express written consent of the owner thereof.

Copyright Protected Materials

Quovo respects the intellectual property rights of others and expects that you do the same. It is our policy to terminate, in appropriate circumstances, the accounts of subscribers who infringe the copyrights of others. You may not upload, download, post, publish, transmit, reproduce, or distribute in any way, files, material, information, software or other material obtained through the Site that is protected by copyright or other proprietary right or derivative works with respect thereto, without obtaining permission of the copyright owner or other right holder. Quovo has the right, but not the obligation, to remove from the Site any files, material, information, software or other material Quovo believes is or may be, in its sole discretion, infringing or otherwise in violation of the rights of others.

If you believe in good faith that your copyright has been infringed, please provide a written communication regarding such belief to: 29 West 30th Street, 2nd Floor, New York, NY. 10001.

Quovo’s copyright policy is available at www.quovo.com/legal/copyright-policy/.

Electronic Notices and Disclosures

You acknowledge and agree that Quovo may provide notices and other disclosures to you electronically by posting such notices or other disclosures on Quovo’s website or by emailing it to you at any email address provided to Quovo by you. Such notices or other disclosures shall be considered received by you following the posting on the website or twenty-four (24) hours following the email being sent to you, as applicable. Any such electronic notice or other disclosure shall have the same effect and meaning as if it had been provided to you as a paper copy.

Changes to the Terms of Use

We may add to, change or remove any part of these Terms of Use, at any time without prior notice to you other than listing of a later effective date than the one set forth at the top of these Terms of Use. Such modification shall be effective immediately upon posting at the Site. As your next visit to the Site or use of the Site may be governed by different Terms, we encourage you to look for a new effective date on these Terms when you visit the Site or use the Site. It is your responsibility to check these Terms of Use periodically for changes. If we make any material changes to these Terms, we will endeavor to provide registered users with additional notice of any changes, such as at your email address of record or when you log in to your account.

Your use or continued use of the Site following the posting or notice of any changes to these Terms of Use or any other posted policies shall constitute your acceptance of the changed Terms of Use or policies.

More information

If you have questions or comments about this Terms of Use, please email us at info@quovo.com.