1Financially Terms of Use

Effective Date: 06 September, 2024

Last Update: 06 September, 2025

These Terms of Use (“Terms”) govern your access to and use of the 1Financially website, mobile applications, and other digital services (collectively, “Services”) provided by 1Financially, LLC. (“1Financially,” “we,” “us,” or “our”). By accessing or using our Services, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please do not use our Services.

1. Acceptance of Terms

By accessing or using our Services, you agree to these Terms, our Privacy Policy, and any additional terms that may apply to specific features or services offered by 1Financially. We may update these Terms from time to time, and your continued use of the Services constitutes acceptance of the updated Terms. We encourage you to review these Terms periodically.

2. Services Overview

1Financially provides a range of tools and resources designed to help users make informed financial decisions. Our Services include:

• Financial Calculators: Tools to help you calculate loans, mortgages, investments, and other financial scenarios.
• Comparison Tools: Features that enable you to compare financial products such as credit cards, loans, and insurance policies.
• Educational Content: Articles, guides, and tips on personal finance, investing, and financial planning.
• Market Data: Real-time financial market information, including stock quotes, market news, and economic indicators.

While we strive to provide accurate and up-to-date information, we do not guarantee the completeness or accuracy of the content provided. All financial decisions should be based on your individual circumstances and consultation with a financial advisor.

3. User Responsibilities

• Eligibility: You must be at least 18 years old and have the legal capacity to enter into binding agreements to use our Services. By using our Services, you represent and warrant that you meet these requirements.
• Account Security: If you create an account with us, you are responsible for maintaining the confidentiality of your account information, including your password. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We are not liable for any loss or damage arising from your failure to protect your account information.
• Prohibited Activities: You agree not to engage in any activity that:

4. Intellectual Property

• Ownership: All content, features, and functionality provided through our Services, including but not limited to text, graphics, logos, images, and software, are the exclusive property of 1Financially or its licensors and are protected by copyright, trademark, and other intellectual property laws.
• License: Subject to your compliance with these Terms, 1Financially grants you a limited, non-exclusive, non-transferable, and revocable license to access and use our Services for personal, non-commercial purposes. You may not copy, modify, distribute, transmit, display, perform, or otherwise exploit any content from our Services without our prior written consent. For any inquiry, contact our team at contact@1financially.com
• Feedback: Any feedback, comments, or suggestions you provide regarding our Services will be considered non-confidential and non-proprietary if you don’t ask for that. By providing feedback, you grant us a worldwide, perpetual, royalty-free, and irrevocable license to use, disclose, and exploit such feedback for any purpose.

5. User Content

• Submission: You may have the opportunity to submit content to our Services, such as reviews, comments, or other materials (“User Content”). By submitting User Content, you grant us a worldwide, perpetual, royalty-free, non-exclusive, and fully sublicensable license to use, reproduce, modify, adapt, publish, and distribute such User Content in any form, media, or technology.
• Responsibility: You are solely responsible for the User Content you submit. You agree not to submit User Content that:

• Moderation: We reserve the right to review, moderate, or remove User Content at our discretion. However, we are not obligated to do so and are not responsible for any User Content submitted by users.

6. Third-Party Links and Content

Our Services may contain links to third-party websites or content that are not owned or controlled by 1Financially. We are not responsible for the content, privacy practices, or any other aspect of such third-party sites. The inclusion of any link does not imply endorsement by us of the third-party site. You access third-party sites at your own risk.

• No Endorsement: The presence of third-party links does not imply our endorsement, sponsorship, or affiliation with the linked site or its contents. We are not responsible for the accuracy, legality, or appropriateness of any content provided on third-party websites.
• Third-Party Terms: Your use of third-party websites and services is governed by the terms and policies of those third parties. We encourage you to review the terms of use and privacy policies of any third-party sites you visit.

7. Disclaimers and Limitation of Liability

• Disclaimers: Our Services are provided “as is” and “as available” without any warranties or representations of any kind. To the fullest extent permitted by law, 1Financially disclaims all warranties, express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that our Services will be uninterrupted, secure, or error-free.
• Limitation of Liability: In no event shall 1Financially, its affiliates, officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising out of or in connection with your use of our Services. Our total liability to you for any claim arising out of or relating to these Terms or our Services shall be limited to the amount you paid to us, if any, for the use of the Services giving rise to the claim.
• Disclaimer of Financial Advice: The content and tools provided by 1Financially are for informational purposes only and do not constitute financial, investment, or legal advice. Always seek the advice of a qualified professional before making any financial decisions.

8. Indemnification

You agree to indemnify, defend, and hold harmless 1Financially, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or in any way connected with your use of our Services, your User Content, or your violation of these Terms.

• Claims by Third Parties: This indemnification obligation includes claims by third parties resulting from your actions, omissions, or breaches of these Terms.

9. Termination

We reserve the right to suspend or terminate your access to our Services at any time, with or without cause, and with or without notice. Upon termination, your right to use our Services will immediately cease, and you must promptly destroy any copies of content obtained from our Services. All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

• Effects of Termination: Termination of your access does not relieve you of any obligations incurred prior to termination. We may also retain or delete any information or content associated with your account.

10. Governing Law and Dispute Resolution

Governing Law: These Terms and any disputes arising out of or related to your use of our Services shall be governed by and construed in accordance with the laws of the State of New Mexico (United States), without regard to its conflict of law principles.

Dispute Resolution: Any disputes or claims arising out of or relating to these Terms or our Services shall be resolved through binding arbitration. The arbitration shall be conducted in accordance with the rules of the American Arbitration Association. Judgment on the arbitration award may be entered in any court having jurisdiction. You agree to waive any right to a trial by jury or to participate in a class action.

Informal Resolution: Before initiating arbitration, you agree to attempt to resolve any disputes informally by contacting us at contact@1financially.com

We will make a good faith effort to resolve the dispute through informal means.

11. Miscellaneous

• Entire Agreement: These Terms, together with our Privacy Policy and any other legal notices or terms incorporated by reference, constitute the entire agreement between you and 1Financially regarding your use of our Services and supersede all prior agreements and understandings.
• Severability: If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect.
• No Waiver: Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision.
• Assignment: We may assign our rights and obligations under these Terms to any third party without notice to you. You may not assign your rights or obligations under these Terms without our prior written consent.
• Force Majeure: We shall not be liable for any failure or delay in performance due to causes beyond our reasonable control, including but not limited to acts of God, war, terrorism, labor disputes, or technical failures.
• Contact Information: If you have any questions or concerns about these Terms or our Services, please contact us at [Insert Contact Information]. For general inquiries or support, you may reach us via email, phone, or through our website’s contact form.
• Updates to Terms: We may revise these Terms from time to time to reflect changes in the law, our business practices, or our Services. We will notify you of significant changes by posting the updated Terms on our website or through other communication channels. Your continued use of our Services after any such changes indicates your acceptance of the revised Terms.

12. Privacy and Data Collection

• Privacy Policy: Your use of our Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. Please review our Privacy Policy to understand our practices regarding your data.
• Data Security: We implement reasonable security measures to protect your personal information. However, no system can be completely secure. You are responsible for maintaining the confidentiality of any personal information you provide to us.
• Third-Party Services: Our Services may use third-party services for various functions, such as payment processing or analytics. These third parties may have access to your personal data as required to perform their services, and their use of your data is governed by their own privacy policies.

13. Use of Cookies and Tracking Technologies

Cookies: We use cookies and similar tracking technologies to enhance your experience with our Services, analyze usage patterns, and provide personalized content. You can control cookies through your browser settings, but disabling cookies may affect the functionality of our Services.

Analytics: We may use analytics services like Google Analytics to collect and analyze information about your use of our Services. These services may use cookies and other tracking technologies to gather data about your interactions with our website and applications.

14. Communication and Notices

• Electronic Communications: By using our Services, you consent to receiving electronic communications from us, including emails, notifications, and messages related to your account or our Services.
• Notices: Any notices or communications required under these Terms should be sent to us at the contact information provided above. We may send notices to you through the email address associated with your account or through other communication channels available through our Services.

15. Community and User Contributions

• Forums and Community Features: Our Services may include forums, discussion boards, or other community features where users can interact and share information. You agree to use these features in a respectful and constructive manner, and you are solely responsible for the content you post.
• Moderation and Enforcement: We reserve the right to moderate community content, enforce community guidelines, and take appropriate action if you violate these Terms or engage in disruptive behavior.

16. Accessibility

We are committed to providing an accessible experience for all users. If you have difficulty accessing any part of our Services due to a disability, please contact us at contact@1financially.com for assistance. We will make reasonable efforts to accommodate your needs.

17. Additional Terms for Mobile Users

• Mobile Applications: If you access our Services through a mobile application, additional terms may apply. These terms will be provided to you when you download or install the application.
• Carrier Charges: Your mobile carrier may charge you for data usage or other services related to your use of our mobile applications. You are responsible for any such charges.

18. Beta Features and Experimental Services

• Beta Features: We may offer beta features or experimental services as part of our Services. These features are provided on an “as is” basis and may have limited functionality or stability. We do not guarantee their availability or performance.
• Feedback on Beta Features: If you provide feedback on beta features, you grant us a license to use and incorporate such feedback into our Services.

19. Use of Service Marks and Trademarks

• Service Marks and Trademarks: The name “1Financially” and other related marks, logos, and brand elements are trademarks or service marks of 1Financially. You may not use these trademarks without our prior written consent.
• Third-Party Trademarks: Our Services may include references to third-party trademarks or service marks. These trademarks are the property of their respective owners, and their use does not imply endorsement or affiliation with 1Financially.

20. User-Generated Content

• Ownership and Rights: You retain ownership of any intellectual property rights you hold in User Content. However, by submitting User Content to our Services, you grant us a broad license to use, display, and distribute your content as described in these Terms.
• Responsibility for User Content: You are solely responsible for the content you generate and submit, including ensuring that it does not infringe on any third-party rights or violate applicable laws.

21. No Financial Advisory Relationship

• No Advisory Relationship: Your use of our Services does not create a fiduciary or advisory relationship between you and 1Financially. We are not acting as your financial advisor, and our Services are not a substitute for professional financial advice.
• Independent Research: You should conduct your own research and consult with a qualified financial advisor before making any financial decisions based on the information provided through our Services.

1Financially,

September 06, 2024