Terms of Use

Effective Date: July 26, 2018

THIS FOLLOWING TERMS AND CONDITIONS (“TERMS” OR “TERMS AND CONDITIONS”) DESCRIBES THE TERMS ON WHICH THE PROGRESSIVE LABS, INC. OFFERS YOU USE OF OUR WEBSITE, MOBILE APPLICATION SOFTWARE AND ACCESS TO OUR SERVICES.

BY ACCEPTING THESE TERMS OR USING THE SERVICES YOU, AS AN INDIVIDUAL AND IN YOUR PERSONAL CAPACITY, REPRESENT AND WARRANT TO US THAT YOU ARE EITHER (I) THE INDIVIDUAL LICENSED TO USE THE SERVICES, OR (II) A PERSON DULY AUTHORIZED TO ACT ON BEHALF OF THE ORGANIZATION THAT IS THE LICENSEE OF THE SERVICES, OR (III) A PERSON THAT HAS BEEN AUTHORIZED BY A LICENSEE TO USE THE SERVICES UNDER THE LICENSEE’S LICENSE TO USE THE SERVICES.  IF THIS IS NOT THE CASE, YOUR USE OF THE SERVICES IS NOT AUTHORIZED AND YOU ARE PERSONALLY LIABLE AND RESPONSIBLE FOR ANY DAMAGE INCURRED BY PROGRESSIVE LABS.

Your acceptance of these Terms is required in order for you to access and use any and all website(s), mobile application, software, any Application, offerings, products, and services made available by Progressive Labs, Inc. ("Progressive Labs") - such as Invest Left (collectively, the “Services”). In this Terms of Service, "we," "us," "its" and "our" refer to Progressive Labs, a corporation organized under the laws of Delaware, USA. By registering with Progressive Labs, or by using our Services in whole or in part, you are entering into a legally binding agreement with us. These Terms include your agreement to mandatory and binding arbitration of any disputes. Please read these Terms carefully.

If you do not agree to these Terms, you cannot use the Services. We reserve the right at our discretion to propose modifications to these Terms periodically. We will notify you of such changes either by publication of a notice within the Services, via an email sent to the email address we have on file for you, or via other notification mechanisms. Your continued use of and access to the Services after notice of such modifications indicates your acceptance of and agreement to the modified Terms. If you violate any of these Terms, your permission to use the Services automatically terminates, unless such violation is waived by us in writing in our sole discretion.

Our Services facilitate your donations to any of the entities identified within the our platform (each an "Entity"). In many cases, these are political candidates or committees. Contributions to these Entities are subject to specific laws.

You may not use the Services if you are barred from doing so under the laws of the United States or other countries including the country in which you are resident or from which you use the Services. Our Services are available only to, and may only be used by individuals who can form legally binding contracts under applicable law. Without limiting the foregoing, our Services are not available to minors (persons under the age of 18) or to temporarily or indefinitely terminated users. By becoming a User, You represent and warrant that You are at least 18 years old.

Our Services are not intended for and do not address anyone under 13 years of age.   We do not knowingly collect personally identifiable information from children under 13. We encourage parents and legal guardians to monitor their children’s internet usage and to help enforce these Terms and our Privacy Policy by instructing their children never to provide personal data through the Services without their permission. If you are a parent or guardian and you learn that your child has provided us with personal information, please contact us.  If we become aware that we have collected personal information from a children under age 13 without verification of parental consent, we will take steps to remove that information from our servers.

1.0 DEFINED TERMS

1.1 "Access Information": user name, password, and other log-in information for access to  the Services, as well as information related to your bank account, credit card account and/or debit card account.

1.2 "Application": the software application for use on your computer or device that we provide as part of  the Services, as may be updated or modified by us in our sole discretion on one or more occasions.

1.3 "Content": text, images, graphics, photos, video, audio, and any other content, information or data, created, derived from or accessible via use of  the Services and Other Applications, or otherwise made available by and to Progressive Labs end users.

1.4 "Services": the services, websites, mobile applications, Applications (excluding Other Applications) features, functionality, data and content made available to you, and any related documentation and other materials, and any upgrades, enhancements, customizations, error corrections, deprecations, and other changes to any of the foregoing that we may from time to time in our sole discretion provide to you or incorporate into the Services or such services, software, features, functionality, materials or content.

1.5 "Other Applications": any Content and online or offline software, products, services, functionality, text, video, audio, data, hardware, network and content not developed or provided by us, including any of the foregoing that is owned or licensed by you or is processed, made available or enabled for use and display via the Services.

1.6 "Terms": these Progressive Labs Terms of Use and Progressive Labs Privacy Policy.

1.7 "Privacy Policy": the privacy policy available with these Terms, as may be amended on one or more occasions.

1.8 "We", "us", "our" or "Progressive Labs": Progressive Labs, Inc., organized under the laws of Delaware and operating in California.

1.9 "You" or "your": the individual using  the Services, any Progressive Labs product, service, software, or offering - or clicking "accept" or "agree" (or otherwise demonstrating acceptance of the Terms) where indicated, and thereby becoming bound by these Terms, and the company or other legal entity represented by such individual, and all affiliates thereto.

2.0 ACCESS TO THE SERVICES

2.1 Availability. Subject to your compliance with these Terms, we will make the Services available to you pursuant to these Terms. You acknowledge that your decision to use the Services is not reliant or dependent on the availability of any future functionality or features, or on any oral or written public or private comments or representations made by us.

2.2 Consent to Emails. You agree and consent to receive email messages from us, which may be transactional, for account management purposes, or for communications relating to or provided as part of  the Services, including notifications related to your use of  the Services, administrative notices and service announcements or changes.

2.3 Reservation of Rights. We retain all right, title and interest in and to the Services and our Content, and all associated intellectual property rights. We grant no licensed rights to our patents. The user interface, user experience, icons, presentation layer and elements, reports, layouts, and screen displays of or generated by the Services are our copyrighted content, our trade dress, and our trademarks and service marks, and will not be reproduced, distributed, or displayed except for your own personal use or business operations in accordance with these Terms.

3.0 USE OF THE SERVICES

3.1 Necessary Systems. Access to and ability to effectively use the Services is conditioned on your procurement of all necessary system, hardware, software, operating environment, Other Applications, connectivity, and network access. You acknowledge that use of the Services requires connection to, and data transfers over, the network and therefore may impact your data usage charges imposed by your wireless operator or other service provider, and may impact usage limitations imposed by Other Application(s).

3.2 Feedback. You agree that we may freely use and exploit in perpetuity any feedback, requirements, recommendations, ideas, bug fixes, ratings, comments, suggestions, or improvements, that you, or any employee or agent thereof, may at any time disclose or submit to us relating to the Services for our business purposes, including for product licensing, support and development, without any obligation or payment to you. If you voluntarily provide any such feedback to us, you warrant that you have full right and authority to do so and that our use of such feedback will not infringe or violate third party rights.

3.3 Information. You hereby consent to our collection and use of both identifying and anonymized data (including meta-data, analytical, diagnostic and technical data, and usage statistics) concerning or arising from your use of the Services in order to provide the functionality of the Services, for product development and marketing purposes, for verifying Terms compliance, or for any other endeavor as is determined by Progressive Labs. We may use automated means to isolate information from your Content in order to help detect and protect against spam and malware, or to improve the Services. The foregoing will not be construed as an admission that consent to such data collection activity is legally required. You represent and warrant that all information that you submit to us in connection with the Services, including account and billing information, is accurate, complete and truthful, and that you will promptly update any information provided by you that subsequently becomes inaccurate, incomplete, misleading or false.

3.4 Unauthorized Use. You will not use the Services or participate in any activities via the Services in a manner that is likely to be prohibited by law or these Terms or violate third party rights in any applicable jurisdiction, including intellectual property rights. Your use of the Services must be in compliance with applicable law. You are solely responsible for the accuracy, quality and legality of the Other Applications. You shall not use, or enable or permit the use of the Services to store or transmit infringing, libelous, pornographic, offensive or otherwise unlawful or tortious material or data or in violation of privacy rights, or to transmit malicious code, viruses, time bombs, Trojan horses, or similar mechanisms, scripts, agents, bots or programs. You shall not use or access the Services: (a) if you are a direct competitor of us or operating on behalf of such a direct competitor; (b) for purposes of monitoring availability, performance or functionality, or for any other benchmarking or competitive purposes; (c) if you are a federal contractor; (d) if you are under the age of 18; (e) if you are not a U.S. citizen or a lawfully admitted permanent resident (i.e. green card holder), unless you agree to not make contributions to political campaigns and submit this agreement in writing (or via a form we provide) to support@investleft.com.

3.5 Notifications to You. For purposes of service messages and notices about  the Services to you, we may place a banner notice to alert you to certain changes such as modifications to these Terms. Alternatively, notice may consist of an email from us to an email address associated with your account, even if we have other contact information. You also agree that we may communicate with you in relation to your account and these Terms through your account or through other contact information that you have provided to us, including email, mobile number, telephone, or delivery services.

3.6 Notifications to Us. If you believe that you are entitled or obligated to act contrary to these Terms under any mandatory or applicable law, you agree to provide us with detailed and substantiated explanation of your reasons in writing at least thirty days before you so act, to allow us to assess whether we may, at our sole discretion, provide an alternative remedy for the situation, though we are under no obligation to do so.

4.0 APPLICATION

4.1 License to Use. Subject to your compliance with the obligations of these Terms, we hereby grant to you a non-sublicensable, non-transferable, and non-exclusive license to use the Services and our Applications on any computing device (owned by you or in your exclusive possession) on which the Application is designed to run, for your internal or personal use.

4.2 Updates. The Application may update automatically on your computer or device. Updates may be required for your continued use of the Services. You agree to accept such updates subject to these Terms unless other terms accompany the updates. If so, those other terms will apply. We are not obligated to make any updates available and do not guarantee that we will support the version of the Application that you are currently using.

4.3 Unauthorized Use. Except as set forth above, you shall not (a) copy the Application except as required to load on to the device described above; (b) distribute to or share use of the Application with any third party; or (c) sublicense, rent, lease, or commercially host the Application. All rights not expressly granted in this section are reserved to us. You will have no right or license to the Application other than the rights expressly granted by us.

4.4 Ownership. We and our licensors retain all right, title and interest in the Application and associated intellectual property rights, and all copies of the Application. The structure, sequence, organization and code of the Application constitute our and our licensors' valuable trade secrets and copyrighted confidential information. You agree that any and all improvements, enhancements, ideas, concepts, methods, processes, inventions, software, trade secrets, know-how or product modifications related to or involving the Services or our Applications including, without limitation, those resulting from (i) any product demonstrations, collaborative discussions or exchanges between you and us, or (ii) any feedback, suggestions or requirements for improving the Services or Applications regardless of the source, shall be the sole and exclusive property of Progressive Labs.  You agree to cooperate with us in ensuring Progressive Labs has full right, title and interest in and to all of the forgoing including, without limitation, executing any documents, instruments of transfer, acknowledgements or similar documents that may be necessary or desirable, in our reasonable judgment, to evidence our intellectual property rights.

4.5 Reverse Engineering. You shall not reverse engineer, modify, decompile, disassemble, scrape or otherwise attempt to derive the source code, interfaces or other information from the Services or Applications, except and only to the extent that: (a) such activity is expressly permitted by directly applicable law notwithstanding this limitation; (b) it is essential to engage in such activity in order to obtain information needed to achieve interoperability of independently created and approved software with the Application; (c) Reverse Engineering is confined to those parts of the Application which are necessary to achieve interoperability; and (d) we have not made such information available to you under reasonable terms and conditions. Any information supplied to or obtained by you under this section may only be used by you for the purpose described in this section, and will not be disclosed to any third party or used to create any software that is substantially similar to the Application. You shall not circumvent or bypass any technological protection measures in or relating to the Services or Applications or enable access by unauthorized third party applications.

4.6 Open Source. Certain components or libraries included in or bundled with the Application may be covered by open source licenses. We will attempt to provide a list of such open source components upon your reasonable written request. To the extent required by such open source licenses, the terms of such licenses will apply in lieu of the terms of this section, solely with respect to those libraries or components that are licensed under such open source licenses.

5.0 ACCESS INFORMATION & CONTENT

5.1 Access Information. You are wholly responsible for maintaining the confidentiality of Access Information and wholly liable for all activities occurring under such Access Information. You will not transfer to any party Access Information needed to log in or use the Services, or use or disclose the Access Information of another. You will immediately notify us of any unauthorized use or disclosure of Access Information or any other breach of security via email sent to support@investleft.com. We will not be liable for any loss or damage arising from lost or forgotten Access Information (including associated loss of data and Content), for failure to comply with this section or from unauthorized use of the Access Information.

5.2 Responsibility for Content. All Content is your sole responsibility and the responsibility of the user from which such Content originated. We will have no responsibility or liability for the deletion or failure to store any Content or user data. We reserve the right to mark as "inactive" and archive accounts that are inactive for an extended period of time. It is your sole responsibility to back up all Content and end user data. We may preserve and disclose Content if required to do so by law or judicial or governmental mandate or as reasonably necessary to protect the rights, property or safety of us, users and/or the public. In the event that you elect not to comply with a request from us to remove certain Content, we may disable the Application until compliance is secured. We reserve the right (i) but not the obligation, to monitor and edit all Content provided by users, and (ii) terminate end user accounts or disable the Application in response to a violation or suspected violation of these Terms.

5.3 Use of Content. You will bear all risks associated with the use of any Content, including any reliance on the quality, integrity, accuracy, completeness, or usefulness of such Content. We may refuse or delete any Content, including Content of which we become aware that fails to fulfill the purpose of the Services, is in breach of these Terms, is otherwise contrary to law, or is otherwise inappropriate in our discretion. We do not guarantee the accuracy, integrity or quality of any Content. Under no circumstances will we be liable in any way for any Content, including, but not limited to, liability for any errors, inaccuracies, or omissions in any Content, or for any loss, damage, or penalties of any kind incurred as a result of the use of any Content. We will have no obligation or liability to you or any other user to maintain, store, or license Content, protect and maintain Content owners' intellectual property rights, or to enforce these Terms. You hereby waive and release any claims you may have against us arising or resulting from use or misuse of Content or your inability to effectively use Content, your failure to comply with these Terms, or for any act, omission, or conduct of any user.

5.4 Propriety of Content. You shall not, and shall ensure that none of your end users, transmit Content or otherwise conduct or participate in any activities on or via the Services which is likely to be prohibited by law, or is violative or in breach of third party rights in any applicable jurisdiction, including without limitation laws governing libel and defamation, encryption of software, the export of technology, the transmission of obscenity or the permissible uses of intellectual property. You shall not upload, download, display, perform, transmit, or otherwise distribute any Content, or otherwise engage in any activity in connection with the Services, that (a) is hateful, offensive, racist, bigoted, libelous, defamatory, obscene, abusive, pornographic, lewd, erroneous, stalking, or threatening; (b) advocates or encourages conduct that could constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or foreign law or regulation; (c) constitutes infringement of the intellectual property rights of any party, including rights to the use of name and likeness, or violation of a right of privacy; (d) creates an impression that is incorrect, misleading, or deceptive, including without limitation by impersonating others or by otherwise misrepresenting identity or affiliation with a person or entity; (e) divulges other people's private or personally identifiable information without their express authorization and permission; (f) contains any offensive anatomical or sexual references, or offensive sexually suggestive or connotative language; or (g) creates liability for us. You represent and warrant that you have all necessary rights and licenses to transmit your Content, and that all Content you submit is accurate and not misleading to the best of your knowledge, is not confidential or privileged, and is not in violation of third party rights. We may, in our sole discretion, terminate  the Services as to any Content that we believe in our sole judgment is not in compliance with these Terms.

5.5 Account Data. While we will endeavor to back up data, we have no responsibility or liability for the deletion or failure to store any Content. You acknowledge and agree that your Content will not be retrievable or accessible except via your authorized use of the Services, and that we are under no obligation to compile and return to you any Content, including if you elect to deactivate your account, except as we may otherwise agree in writing.

6.0 OTHER APPLICATIONS

6.1 Responsibility. You are solely responsible for the Other Applications. Under no circumstances will we be liable in any way for Other Applications, including, but not limited to, liability for any errors or omissions in any Other Applications, or for any loss or damage of any kind incurred as a result of the use of the Other Applications. You hereby waive and release any claims you may have against us arising or resulting from use, misuse, alteration or loss of Other Applications. If the providers of Other Applications cease to make the Other Applications available for interoperation with the corresponding features of the Services on reasonable terms or otherwise, we may cease providing such features or the Services without entitling you to any refund, credit or other compensation.

6.2 Use of Your Content. If you install or enable Other Applications for use with the Services, you acknowledge that providers of the Other Applications may access your Content as required for the interoperation of such Other Applications with the Services. We will not be responsible for any disclosure, modification or deletion of your Content resulting from any such access by Other Applications or from enabling Other Applications to interoperate with the Services.

6.3 Other Applications Terms. You may be subject to additional terms and conditions that may apply when you use Other Applications, or affiliate or third party content or services. You are solely responsible for compliance with such terms.

6.4  Links to Other Websites.  Our Services may contain links to third party web sites or services that are not owned or controlled by us.  We have no control over, and assume no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites.  You acknowledge and agree that we will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party web sites or services.  We strongly advise you to read the terms and conditions and privacy policies of any third party web sites or services that you visit.

7.0 PAYMENT

7.1 Fees. You will pay to us the applicable fees required for use of the Services. By providing us with a billing account, you represent and warrant that you: (a) are the owner of the account, (b) are authorized to use the account that you provided and that any payment information you provide is true and accurate; and (c) authorize us to charge you using your billing account. If you are making political contributions, you affirm that you (a) are making the contribution from your own funds, (b) did not receive the funds from another person or entity for the purpose of making the contribution; and (c) are making the contribution with your own personal credit card and not a corporate/business credit card or a card issued to another person.

7.2 Terms. All payments, including optional donations and “tips” to Progressive Labs or any other Entity, political candidate, campaign, or committee, are non-refundable and are exclusive of taxes, bank service fees, or currency exchange settlements. Notwithstanding any other provision of this Agreement, including section 11.9, nothing herein will be deemed to preclude us from filing a fees and expenses collection action at any time in any court of competent jurisdiction. Payments to us will be made without counterclaim or set-off of any kind.

7.3 Billing Statement. The details of your charges are set forth in the online billing statement, which may instead be rendered as an email receipt. This is the only billing statement we provide. It is your responsibility to print or save a copy of each billing statement and retain such copies for your records. If we make an error on a charge to your billing account, you must contact us with the details within 120 days from when the error first appears on your billing statement. We will then promptly investigate the charge. If you do not inform us of the issue within that time, you release us from all liability and claims of loss resulting from the error and we will not be required to correct the error or provide a refund.

7.4 Response to Process. If we are required to respond to a subpoena or other formal request from a third party or a governmental agency for records or other information relating to Progressive Labs or the Services we have performed or solutions we have provided for you or on your behalf, or to testify by deposition or otherwise, you shall reimburse our time and expenses incurred in accordance with our then-current time and expense rates.

7.5 Taxes. You will bear and be responsible for the payment of all taxes, including all sales, use, value-added, rental receipt, personal property or other taxes and their equivalents, which may be levied or assessed in connection with these Terms or provision and use of the Services (excluding only taxes based on our net income). If we are required to pay or collect any such taxes or other charges for which you are responsible under this section, the appropriate amount will be paid by you. To the extent you are required by local law to withhold or deduct taxes based upon our income from any payment(s) owed hereunder, such payment(s) will be increased (grossed up) in such amounts as would have been received by us as if no such withholding or deduction were required.

7.6 Frequency. In some cases, you may be able to make monthly, daily, or otherwise recurring payments, donations, or contributions to Progressive Labs or through  the Services to another Entity.

7.7 Miscellaneous. Donations to Progressive Labs or any Entity available through the Services are not tax-deductible. There is a processing fee on all donations made through the Services, which - unless otherwise stated in the context of the confirmation screen - are likely equal to 10% of the contribution amount. This can change without notice, but we will make a good-faith effort to notify you or clearly communicate the current processing fee in these cases.

8.0 SERVICES INTEGRITY

8.1 Prohibited Acts. You are prohibited from breaching or attempting to breach any security features of the Services, including, without limitation: (a) accessing content or materials not intended for you, or logging onto a server or account that you are not authorized to access; (b) attempting to probe, scan, or test the vulnerability of the Services, or any associated system or network, or to breach security or authentication measures without proper authorization; (c) interfering or attempting to interfere with use of the Services by any user, host, or network, including, without limitation, by means of submitting a virus, overloading, “flooding,” “spamming,” “mail bombing,” or “crashing”; (d) publishing or linking to malicious content intended to damage or disrupt another user’s browser or computer or to compromise a user’s privacy or anonymity; (e) forging any TCP/IP packet header or any part of the header information; (f) accessing or tampering with non-public areas of the Services, our computer systems, or the technical delivery systems of us or our providers; (g) publish, post, upload or otherwise transmit any data, material, information or content that contains any viruses, trojan horses, worms, time bombs, corrupted files or programming routines or mechanisms that are intended to damage, interfere with, monitor, intercept or expropriate any systems, data, information or property; (h) accessing or attempting to access the Services by any means (automated or otherwise) other than through the currently available, published or enabled interfaces that are provided by us, unless you have been specifically allowed to do so in a separate agreement with us; (i) using any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, "data mine", or in any way reproduce or circumvent the navigational structure or presentation of the Service or its contents; or (j) attempting to modify, reverse-engineer, decompile, disassemble, or otherwise reduce or attempt to reduce to a human-perceivable form any of the source code or other information used by us in providing the Services.

8.2 Illicit Access. You shall not attempt to gain unauthorized access to other accounts, computer systems or networks connected to any of our servers, through hacking, password mining or any other means. You shall not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Services, which is for your personal/internal and individualized use only. Without limiting the generality of the foregoing, you shall not publish, distribute or transmit to the general public via any medium the Services, except through and as otherwise authorized by us, and you will not engage in “framing,” “mirroring,” or otherwise reproducing or simulating the appearance or function of the Services. You shall not remove any copyright, trademark or other proprietary rights notices associated with or visible via use of the Services.

9.0 DISCLAIMER OF WARRANTIES, LIMITATION OF LIABILITY & INDEMNITY

9.1 Disclaimer. TO THE MAXIMUM EXTENT POSSIBLE UNDER APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND WITH RESPECT TO THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. Specifically, we make no warranty that (a) the Services will meet your requirements, goals or needs, (b) your access will be uninterrupted, timely, secure or error-free, (c) any errors or deficiencies in the Services will be corrected, or (d) with respect to any Other Applications. We have no responsibility or liability for the deletion of or failure to store your Content or to ensure that your Content is accurate, complete, or secure. It is your sole responsibility to back up and maintain the accuracy and completeness of your Content. Because no online system is perfectly secure or reliable, the internet is an inherently insecure medium, and the reliability and security of hosting services, internet intermediaries, your internet service provider, and other application or service providers cannot be assured, you accept such inherent security risks associated with your use of  the Services. This includes those associated with making financial contributions or donations through the Services.

We will not be responsible for the activities of any Entity. Before you use the Services, please take the time to familiarize yourself with any Entity of interest to you - or the Entity that invited you - using publicly available information. It is solely your sole responsibility to ensure the Entity or Entities to which you donate are what you intended, and the Company disclaims any responsibility. While we endeavor to provide accurate, up-to-date information, we make no guarantee that the information presented is accurate or up-to-date at any time.

Be aware that your donations to any Entity via the Services will not be earmarked for a particular purpose, nor is there any feature within the Services that will allow you to request any such designation. The Entities may use donations made via the Services for their general purposes, so if you wish to designate your donation for a specific purpose, please do not use the Services to facilitate your donations.

Any claims for refunds from the Entities is solely your responsibility to pursue. You hereby release and discharge us from any liability for such claims.

Progressive Labs uses Democracy Engine to process donations. By using the Services, you agree to any and all applicable terms defined by Democracy Engine and release Progressive Labs of any liability associated with the terms or usage of Democracy Engine or any other third-party.

9.2 Exclusion. Notwithstanding any other provision of these Terms, our maximum cumulative aggregate liability for any and all claims, liabilities or obligations arising under or relating to the Services, Applications, and your use thereof including, without limitation, their performance or non-performance, end users, Content, Other Applications, and these Terms (collectively, the “Subject Matter”), regardless of the number of claims or the theory of liability, whether for breach of these Terms, including breach of warranty, or in tort or otherwise, will not exceed all amounts paid by you to us under these Terms, if any, during the six-month period preceding the occurrence of the claim or event giving rise to liability. We will not be liable for any indirect, punitive, special, incidental or consequential damages, or liable for interruption of business, downtime, loss of profits, revenue, use, data, or other economic advantage, in connection with, related to or arising out of the Subject Matter, regardless of the theory of liability, whether for breach of this Agreement, including breach of warranty, or in tort or otherwise, even if we have been previously advised of the possibility of such damages. Liability for damages will be so limited and excluded, regardless of the validity or efficacy of any remedy provided herein and even if any remedy fails of its essential purpose. The provisions of this section allocate the risks under these Terms between the parties and each party has relied upon the limitations set forth herein in determining whether to enter into this relationship. The parties have voluntarily agreed to define the parties’ rights, liabilities and obligations respecting the Subject Matter exclusively in contract pursuant to these Terms, and each party expressly disclaims that such party is owed any duties or are entitled to any remedies not expressly set forth in these Terms. The foregoing limitations and exclusions apply to the maximum extent permitted by applicable law.

9.3 Indemnification. You hereby agree to fully indemnify, defend and hold harmless Progressive Labs, its affiliates, and officers, directors, employees and agents of Progressive Labs and its affiliates, from and against any and all claims, losses, damages, judgments, awards, costs, liabilities, expenses, sanctions, and fees (including our reasonable in-house and external lawyers fees and costs) directly or indirectly caused by or incurred by reason of a third party allegation, lawsuit, claim or proceeding, arising out of or related to (a) Content or Other Applications; (b) you're your breach of these Terms; (c) infringement of intellectual property rights; or (d) your business or personal activities. We may assume the exclusive defense and control of any matter for which you are required to indemnify us at your expense, and you agree to cooperate with our defense of these claims. You shall not settle or compromise any such claims without our prior written consent.

9.4 General Release. You further agree that these Terms waive and release any claims that would otherwise be preserved by operation of section 1542 of the California Civil Code, which provides: “A general release does not extend to claims which the creditor does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her must have materially affected his or her settlement with the debtor." You understand that you are releasing us from all such claims, whether known or unknown to you, and whether or not you suspect that those claims may exist at this time.

10.0 TERM & TERMINATION

10.1 Termination. In addition to sections 11.1, 11.2 and 11.3, your account will be subject to termination at our option in the event of a material breach of these Terms. We may additionally terminate your account upon written notice to you if you (a) become the subject of a legal proceeding under a law relating to insolvency or bankruptcy; or (b) or your property becomes under the control of a custodian or equivalent under applicable law, or is assigned for the benefit of creditors; or (c) generally fail to pay your debts as they become due or acknowledge in writing that you are unable to do so; or (d) are inactive for some period of time as defined by us.

10.2 Effect. Termination will not relieve you of the obligation to pay fees payable to us for the period prior to the effective date of termination. Our rights under this section 10 are in addition to any other rights and remedies permitted by law or under these Terms. Breach of these Terms may result in pursuit of all available remedies for intellectual property rights (including copyright infringement), the availability of which you hereby acknowledge.

10.3 Survival. Access to and rights of use associated with  the Services will terminate upon termination of your account.

11.0 GENERAL PROVISIONS

11.1 Service Discontinuance/Modification. We may from time to time modify or discontinue access to, temporarily or permanently, any part, feature, or functionality of the Services. We will not be liable for any such modification, suspension or discontinuance, even if certain features or functions, your settings, and/or any Content you have contributed or have come to rely on, are permanently lost.

11.2 Account Termination. We may terminate your account for cause, including without limitation for: (a) violation of these Terms; (b) abuse of the Services resources or any attempt to gain unauthorized entry to the Services; (c) use of the Services in a manner inconsistent with its purpose; (d) any user's request for such termination; or (e) requirements of or for failure to comply with applicable law, regulation, court or governing agency order, or ethical requirements. We may in addition terminate the availability of the Services or Content for our own business reasons, including if we elect to cease being in the business of providing it. We will not be liable for any termination of any user's access to the Services or Content. After account termination, you will not attempt to register a new account without our permission.

11.3 Account Deactivation. You may deactivate your account any time without refund. Deactivation is your sole means of terminating your account and, if not made available within the application, can occur by reaching out to support@investleft.com. Please allow up to 90 days for account deactivation.

11.4 Advertising. Progressive Labs may display advertisements or announcements and you consent to such display. You also consent to receive advertisements via email, phone numbers, or any other contact information you disclose to us.

11.5 Trademarks; Media. You are granted no right, title or license to any third party trademarks by these Terms, or to any of our trademarks or servicemarks. We reserve all right, title and interest in and to our trademarks, servicemarks, trade names, domain names, and similar identifiers. You hereby authorize us to disclose in our websites, marketing collateral, and corporate presentations that you have selected  the Services and purchased the use of Progressive Labs' solutions and services.

11.6 US DMCA. If you believe that your work has been copied and is accessible via the Services in a way that constitutes copyright infringement in the United States, you may notify us by providing the following in writing:

  • Identification of the copyrighted work that you claim has been infringed;
  • Identification of the material that is claimed to be infringing and information sufficient to permit us to locate the material;
  • Your name, address, telephone number, and email address;
  • A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
  • A statement, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or are authorized to act on the copyright owner's behalf.

The above writing must be electronically or physically signed by you as the owner of the content claimed to be infringed or the owner's authorized agent. If we receive such a claim, we may refuse or delete the applicable content, or terminate the applicable user's account in accordance with these Terms. Our designated agent to receive notification of claimed infringement under the Digital Millennium Copyright Act of 1998 is available at:

Copyright Infringement Agent

c/o Progressive Labs

1390 Market Street, Suite 200

San Francisco CA 94102

United States

We may remove content alleged or in our judgment to be infringing or otherwise illegal, without prior notice and at our sole discretion. In appropriate circumstances, we may also terminate a user's account if the user is determined to be a repeat infringer. In addition to forwarding your notice to the person who provided the allegedly illegal content, we may send a copy of your notice (with your personal information removed) to Chilling Effects (www.chillingeffects.org) for publication and/or annotation.

If you believe that a notice of infringement has been improperly submitted against you, you may submit a counter-notice, electronically or physically signed by you, and containing the following:

  • Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;
  • Your name, address, and telephone number;
  • A statement, made under penalty of perjury, that you have a good faith belief that the removal of the material was a mistake or misidentified; and
  • A statement that you consent to the jurisdiction of Federal District Court (i) in the judicial district where your address is located if the address is in the United States, or (ii) for the Southern District of California (Los Angeles County), if your address is located outside the United States, and that you will accept service of process from the complainant submitting the infringement notice or his/her authorized agent.

11.7 California-Based. Progressive Labs - including the Services, software, offerings, products, and services - is controlled by Progressive Labs from its offices in California, USA. We make no claim that the Services are appropriate for use in other jurisdictions, or even within California. You accept sole responsibility as an individual, or on behalf of an organization or group, to determine if the Services are appropriate and available for your jurisdiction based on reporting restrictions, funding laws, or any other restrictions, limitations, rules, obligations, or requirements not mentioned herein.

11.8 Governing Law. The Subject Matter (as defined in section 9.2), and any disputes between us and related to or concerning any of the foregoing (including tort as well as contract claims, and whether pre-contractual or extra-contractual) will be governed by the laws of California.

11.9 Dispute Resolution. (A) Any disputes between or claims brought by you or us arising out of or related to the Subject Matter (including tort as well as contract claims, and whether pre-contractual or extra-contractual, as well as the arbitrability of any disputes (subject to section 11.9(B) below) will be referred to and finally settled by binding arbitration before JAMS in accordance with expedited rules in effect at the time of arbitration except as inconsistent with this section. The arbitration will be conducted by telephone, on-line and/or based solely upon written submissions where no in-person appearance is required. If in-person appearance is required, such hearings will be held in San Francisco, California. The arbitrator will apply the law specified in section 11.8 above. All awards may if necessary be enforced by any court having jurisdiction. The existence of any dispute, the existence or details of the arbitration proceeding, and all related documents, materials, evidence, judgments and awards therein, must be kept confidential. Except as required by law, no party will make any public announcements with respect to the proceeding or the award, except as required to enforce same. The parties hereby waive the right to a trial by jury and agree to only bring claims in an individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. All disputes will be arbitrated only on an individual basis and not in a class, consolidated or representative action. The arbitrator does not have the power to vary these provisions. All claims (excluding requests for injunctive or equitable relief) between the parties must be resolved using arbitration in accordance with this section. Should either party file an action contrary to this section, the other party may recover lawyers' fees and costs associated with enforcing this section, provided that the party seeking the award has notified the other party in writing of the improperly filed claim, and the other party has failed to withdraw the claim in a timely fashion. (B) Notwithstanding the foregoing, nothing in this section will preclude the right and ability to bypass arbitration and file and maintain at any time an action for recovery of injunctive or provisional relief in any court of competent jurisdiction under the laws applicable thereto.

11.10 Limitation. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to the Subject Matter must be filed within one year after such claim or cause of action arose, or be forever barred.

11.11 Assignment. These Terms will not be assigned, delegated, or transferred by you, in whole or in part, whether voluntarily, involuntarily, by merger, consolidation, dissolution, sale of assets, or otherwise, without our prior written consent. Any such purported assignment, delegation or transfer without such written consent will be void. We may at any time assign these Terms without prior consent or notice. These Terms will be binding on, and inure to the benefit of, the parties and their respective and permitted successors and assigns.

11.12 Export.  You acknowledge that the laws and regulations of the United States restrict the export and re-export of the software used in the Services to restricted countries and agree not to export or re-export the software without the appropriate approval of the United States government.

11.13 Injunctive Relief; Expenses. You acknowledge and agree that breach of these Terms, or any unauthorized use, disclosure or distribution of  the Services, may cause irreparable harm to us, the extent of which would be difficult to ascertain, and that we will be entitled to seek immediate injunctive relief (in addition to any other available remedies), in any court of competent jurisdiction under the applicable laws thereto. In the event we pursue any claim or action to enforce the terms of these Terms, we shall be entitled to recover all costs incurred in connection with such claim or action including, without limitation, any and all court costs, witness fees, costs of investigation or enforcement, and attorney’s fees.

11.14 Miscellaneous. The Terms constitute the entire agreement between you and us and govern your use of  the Services, superseding any prior agreements, understandings, communications or proposals. If any provision of the Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms remain in full force and effect. No waiver of any provision of these Terms will be deemed a further waiver or continuing waiver or such provision or any other provision, and our failure to assert any right or provision under these Terms will not constitute a waiver of such right or provision. In the event of any conflict or inconsistency between these Terms and any Progressive Labs website page (including any page describing or summarizing your or our rights, obligations, and/or these Terms), these Terms will control. Nothing herein will be deemed to create an agency, partnership, joint venture, employee-employer or franchisor-franchisee relationship of any kind between us and any user or other person or entity, nor do these terms extend rights to any third party. The parties hereto confirm that they have requested that these Terms and all attachments and related documents, if any, be drafted in English.

In you have any questions about these Terms, please contact us at: support@investleft.com