GoTo Financial All Legal Single Document (last revised Nov 1^st, 2023)

This single document encompasses all our GoTo Financial Inc and its subsidiaries or name domiciles for legal and other disclaimers.  Legal documents are detailed to avoid confusion and is a necessary function of the modern world.  These include items related to security and privacy.  Please use the links below to jump to any certain section.

On behalf of all the hard-working people at GoTo Financial we offer the 3 easiest ways of understanding our philosophy.

1. We don’t like sneaky people or companies with hidden agendas trying to make money off us without our permission. Since we don’t like to be treated that way, we don’t do that to all our members.
2. We want to build a long-term relationship by providing tools to help positively change lives. If we do anything perceived to be wrong or simply an oversight mistake, please notify us immediately and judge us by how fast we respond, and how seriously we take it?   Contained within our programs will be accessible ways of communicating from user to company. We welcome and reward engagement designed to help improve.
3. Our mission statement – “Helping Everyone Everywhere Who Earns An Income, Pays A Bill Or Dreams Of A Better Tomorrow” ™

Terms Of Use

Acceptance of Terms

By accessing or using our software, you agree to comply with and be bound by these Terms of Use. If you do not agree to these terms, please do not use our software.

Use of Software

You may use our software only for lawful purposes and in accordance with these Terms of Use. You are responsible for ensuring that your use of the software complies with all applicable laws and regulations.

User Accounts

Some features of the software may require you to create an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

Intellectual Property

Our software and its original content, features, and functionality are and will remain the exclusive property of GoTo Financial Inc and its licensors.

Disclaimer of Warranty

The software is provided “as is” without warranties of any kind, either express or implied. GoTo Financial Inc. disclaims all warranties, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose.

Limitation of Liability

To the fullest extent permitted by applicable law, GoTo Financial Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

Your use or inability to use the software.

Any unauthorized access to or use of our servers and/or any personal information stored therein.

Any interruption or cessation of transmission to or from the software.

Any bugs, viruses, trojan horses, or the like that may be transmitted to or through our software by any third party. 

To the fullest extent allowed by applicable law, you and GoTo Financial agree that each party may bring disputes against the other party only in an individual capacity and not as a class action, collective action, or class arbitration.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of USA, without regard to its conflict of law principles.

Changes to Terms

GoTo Financial Inc. reserves the right to modify or replace these Terms of Use at any time. Your continued use of the software after any such changes constitutes your acceptance of the new Terms of Use.

Contact Us

If you have any questions about these Terms of Use, please contact us at ian@goto-financial.com.

SMS Opt-in and Opt-out

By entering your phone number, you agree to receive automated text messages from GoTo Financial and agree to our Privacy Policy and Terms and Conditions. Consent is not a condition of any purchase. Message frequency varies. Message and data rates may apply. To unsubscribe, text STOP. You can also opt out by emailing info@goto-finanacial.com.

Software Subscription Agreement

This Subscription Termination Agreement (the “Agreement”) is entered into on this [Date] (the “Effective Date”) by and between:

Party A- GoTo Financial, a California corporation, with its principal place of business in Los Angeles, County and

Party B [Subscriber’s Name] & [Subscriber Cell Phone#]

Collectively referred to as the “Parties.”

Background:

Party A provides subscription-based services as detailed in the Subscription Agreement dated [Subscription Agreement Date], wherein Party B subscribed to the services (the “Subscription Agreement”). Party B wishes to terminate the subscription services as per the terms of this Agreement.

Termination Terms:

Termination Notice: Party B agrees to provide written notice of termination to Party A using the cancel membership button and process found within the software being subscribed to. Location for termination request found in user account settings.

Termination Date: The termination of the subscription services shall take effect the following day from termination notice request by Part B. specified in the notice of termination.

Final Payment: Party B shall fulfill all financial obligations to Party A up to the Termination Date, including any outstanding fees, charges, or expenses incurred during the notice period.

Unused Services: Party B will receive a pro-rated refund for any annual subscription costs on renewal fees but will receive zero refund for the 1st year of plan activation and zero refund for 3rd party services pre-paid. Pro-ration will be monthly subscription calculation for Party B on if cancelled within 90 days of annual renewal- so that a sales rep may know their commission is secure and a Party B is not getting a discount rate for what should have bene a 12-month commitment.

Data Retrieval: Party B is responsible for backing up and retrieving any data, content, or information stored within the subscription services before the Termination Date. Party A shall not be liable for any loss or damage to such data after the Termination Date.

Confidentiality:

Both Parties acknowledge and agree that any confidential information shared during the subscription period remains subject to the confidentiality provisions outlined in the Subscription Agreement.

Release and Indemnification:

The subscriber hereby releases GoTo Financial Inc, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, or expenses arising out of or related to the termination of the Services. Subscriber shall indemnify, defend, and hold harmless Company from and against any third-party claims arising from Subscriber’s use of the Services prior to the Termination Date.

Governing Law:

This Agreement shall be governed by and construed in accordance with the laws of Los Angeles County, Calif, USA without regard to its conflict of laws principles.

Entire Agreement:

This Agreement constitutes the entire understanding between the Parties concerning the termination of the subscription services and supersedes all prior agreements, understandings, or representations, whether written or oral.

Amendments:

GoTo Financial Inc. reserves the right, at its sole discretion, to modify or replace any part of these Terms of Use. It is your responsibility to check these Terms of Use periodically for changes. Your continued use of or access to the [software/website/service] following the posting of any changes to these Terms of Use constitutes acceptance of those changes.   GoTo Financial Inc may also, in the future, offer new services and/or features through the [software/website/service] (including, the release of new tools and resources). Such new features and/or services shall be subject to these Terms of Use.”

Severability:

If any provision of this Software Sales Agreement is found to be invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions shall not be affected or impaired. The parties shall endeavor to agree upon any valid and enforceable substitute provision that most accurately reflects the parties’ intention in entering into this Agreement. If a mutually agreeable substitute provision cannot be reached, either party may terminate this Agreement upon written notice to the other party. The failure to enforce any provision of this Agreement shall not constitute a waiver of that provision or any other provision of this Agreement.”*

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