Bud - Terms of Service
Last Updated: 19th March 2024
Thank you for your interest in Bud Financial, Inc. (“Bud Financial,” “we,” or “us”) and our technology and account data services provided by us (collectively, the “Service”). These Terms of Service are a legally binding contract between you and Bud Financial regarding your use of the Service.
PLEASE READ THE FOLLOWING TERMS CAREFULLY:
BUD FINANCIAL’S SERVICES PERMITS A COMPANY SUPPLYING YOU WITH A PRODUCT OR SERVICE (WHICH MAY INCLUDE A COMPANY SUPPLYING YOU WITH A LENDING PRODUCT OR SERVICE) (“SERVICE PROVIDER”) TO ACCESS THE DATA RELATED TO YOUR FINANCIAL ACCOUNT WHICH IS HELD BY YOUR BANK, FINANCIAL INSTITUTION, OR OTHER FINANCIAL ACCOUNT PROVIDERS (“ACCOUNT PROVIDER”) AND/OR USE OTHER PRODUCTS OR SERVICES WHICH ARE PROVIDED BY BUD FINANCIAL AND USING ITS TECHNOLOGY. BY CLICKING “I ACCEPT,” OR BY OTHERWISE BY USING YOUR SERVICE PROVIDER’S PRODUCT OR SERVICE, YOU AGREE THAT YOU HAVE READ AND UNDERSTOOD, AND, AS A CONDITION TO YOUR USE OF THE SERVICE, YOU AGREE TO BE BOUND BY, THE FOLLOWING TERMS AND CONDITIONS (TOGETHER, THESE “TERMS”). IF YOU ARE NOT ELIGIBLE, OR DO NOT AGREE TO THE TERMS, THEN YOU DO NOT HAVE OUR PERMISSION TO USE THE SERVICE AND YOU MUST STOP ACCESSING OR USING YOUR SERVICE PROVIDER’S PRODUCT OR SERVICE THAT RELIES ON BUD FINANCIALS’S TECHNOLOGY. YOUR USE OF THE SERVICE, AND BUD FINANCIAL’S PROVISION OF THE SERVICE TO YOU, CONSTITUTES AN AGREEMENT BY BUD FINANCIAL AND BY YOU TO BE BOUND BY THESE TERMS.
ARBITRATION NOTICE. Except for certain kinds of disputes described in Section 13 (Dispute Resolution and Arbitration), you agree that disputes arising under these Terms will be resolved by binding, individual arbitration, and BY ACCEPTING THESE TERMS, YOU AND BUD FINANCIAL ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN ANY CLASS ACTION OR REPRESENTATIVE PROCEEDING.
1. Bud Financial Service Overview
The Service retrieves your account data held by your Account Provider and transfers your account data to your Service Provider who will use that information in accordance with the terms agreed between you and your Service Provider. If the product or service you are using with your Service Provider is for lending or affordability purposes, then the information you provide may be used for lending or affordability decisions. In order for us to access or use the account data held by your Account Provider, you must supply us with the information which you would use when accessing your account directly with your Account Provider. We will protect these credentials using reasonable care and skill and in accordance with our regulatory obligations. You agree that the information you provide to us is accurate, complete, and not misleading, and that you will keep it accurate and up to date at all times.
2. Eligibility
You must be at least 18 years old to use the Service. By agreeing to these Terms, you represent and warrant to us that: (a) you are at least 18 years old; (b) you have not previously been suspended or removed from the Service; and (c) your use of the Service is in compliance with any and all applicable laws and regulations. If you are an entity, organization, or company, the individual accepting these Terms on your behalf represents and warrants that they have authority to bind you to these Terms and you agree to be bound by these Terms.
3. Licenses
3.1 Limited License.
Subject to your complete and ongoing compliance with these Terms, Bud Financial grants you, solely for your personal, non-commercial use, a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service.
3.2 License Restrictions.
You may not: (a) reproduce, distribute, publicly display, publicly perform, or create derivative works of the Service; (b) make modifications to the Service; or (c) interfere with or circumvent any feature of the Service, including any security or access control mechanism. If you are prohibited under applicable law from using the Service, then you may not use it.
3.3 Feedback. We respect and appreciate the thoughts and comments from our users. If you choose to provide input and suggestions regarding existing functionalities, problems with or proposed modifications or improvements to the Service (“Feedback”), then you hereby grant Bud Financial an unrestricted, perpetual, irrevocable, non-exclusive, fully-paid, royalty-free right and license to exploit the Feedback in any manner and for any purpose, including to improve the Service and create other products and services. We will have no obligation to provide you with attribution for any Feedback you provide to us.
4. Ownership; Proprietary Rights
The Service is owned and operated by Bud Financial. The visual interfaces, graphics, design, compilation, information, data, computer code (including source code or object code), products, software, services, and all other elements of the Service provided by Bud Financial (“Materials”) are protected by intellectual property and other laws. All Materials included in the Service are the property of Bud Financial or its third-party licensors. Except as expressly authorized by Bud Financial, you may not make use of the Materials. There are no implied licenses in these Terms and Bud Financial reserves all rights to the Materials not granted expressly in these Terms.
5. Third-Party Terms
5.1 Third-Party Services and Linked Websites. Bud Financial may provide tools through the Service that enable you to export information to third-party services. By using one of these tools, you hereby authorize Bud Financial to transfer that information to the applicable third-party service. Third-party services are not under Bud Financial’s control, and, to the fullest extent permitted by law, Bud Financial is not responsible for any third-party service’s use of your exported information. Please be sure to review the terms of use and privacy policy of any third-party services before you share any information with such third-party services. Once sharing occurs, Bud Financial will have no control over the information that has been shared.
5.2 Third-Party Software. The Service may include or incorporate third-party software components that are generally available free of charge under licenses granting recipients broad rights to copy, modify, and distribute those components (“Third-Party Components”). Although the Service is provided to you subject to these Terms, nothing in these Terms prevents, restricts, or is intended to prevent or restrict you from obtaining Third-Party Components under the applicable third-party licenses or to limit your use of Third-Party Components under those third-party licenses.
6. Communications
6.1 Email. We may send you emails concerning our products and services, as well as those of third parties that are integrated into or offered with our products or services.
7. Prohibited Conduct
BY USING THE SERVICE, YOU AGREE NOT TO:
7.1 use the Service for any illegal purpose or in violation of any local, state, national, or international law;
7.2 violate, encourage others to violate, or provide instructions on how to violate, any right of a third party, including by infringing or misappropriating any third-party intellectual property right;
7.3 access, search, or otherwise use any portion of the Service through the use of any engine, software, tool, agent, device, or mechanism (including spiders, robots, crawlers, and data mining tools) other than the software or search agents provided by Bud Financial;
7.4 interfere with security-related features of the Service, including by: (i) disabling or circumventing features that prevent or limit use, printing or copying of any content; or (ii) reverse engineering or otherwise attempting to discover the source code of any portion of the Service except to the extent that the activity is expressly permitted by applicable law;
7.5 interfere with the operation of the Service or any user’s enjoyment of the Service, including by: (i) uploading or otherwise disseminating any virus, adware, spyware, worm, or other malicious code; or (ii) interfering with or disrupting any network, equipment, or server connected to or used to provide the Service;
7.6 perform any fraudulent activity including impersonating any person or entity, claiming a false affiliation or identity, accessing any other Service without permission; or
7.7 attempt to do any of the acts described in this Section 7 (Prohibited Conduct) or assist or permit any person in engaging in any of the acts described in this Section 7 (Prohibited Conduct).
8. Modification of Terms
We may, from time to time, change these Terms. We may require that you accept modified Terms in order to continue to use the Service. If you do not agree to the modified Terms, then you should discontinue your use of the Service. Except as expressly permitted in this Section 8 (Modification of Terms), these Terms may be amended only by a written agreement signed by authorized representatives of the parties to these Terms.
9. Term, Termination, and Modification of the Service
9.1 Term. These Terms are effective beginning when you accept the Terms or first download, install, access, or use the Service, and ending when terminated as described in Section 9.2 (Termination).
9.2 Termination. If you violate any provision of these Terms, then your authorization to access the Service and these Terms automatically terminate. In addition, Bud Financial may, at its sole discretion, terminate these Terms , or suspend or terminate your access to the Service, at any time for any reason or no reason, with or without notice, and without any liability to you arising from such termination. You may terminate these Terms at any time upon written notice by contacting us at help@thisisbud.com.
9.3 Effect of Termination. Upon termination of these Terms: (a) your rights hereunder will terminate and you must immediately cease all use of the Service; (b) you will no longer be authorized to access the Service; and (c) Sections 3.3 (Feedback), 4 (Ownership; Proprietary Rights), 9.3 (Effect of Termination), 10 (Indemnity), 11 (Disclaimers; No Warranties by Bud Financial), 12 (Limitation of Liability), 13 (Dispute Resolution and Arbitration), and 14 (Miscellaneous) will survive. If your access to the Service has been terminated for a breach of these Terms, then you are prohibited from accessing the Service using a different name, email address or other forms of identification or verification.
9.4 Modification of the Service. Bud Financial reserves the right to modify or discontinue all or any portion of the Service at any time (including by limiting or discontinuing certain features of the Service), temporarily or permanently, without notice to you. Bud Financial will have no liability for any change to the Service, including any paid-for functionalities of the Service, or any suspension or termination of your access to or use of the Service.
10. Indemnity
To the fullest extent permitted by law, you are responsible for your use of the Service, and you will defend and indemnify Bud Financial, its affiliates and their respective shareholders, directors, managers, members, officers, employees, consultants, and agents (together, the “Bud Financial Entities”) from and against every claim brought by a third party, and any related liability, damage, loss, and expense, including attorneys’ fees and costs, arising out of or connected with: (1) your unauthorized use of, or misuse of, the Service; (2) your violation of any portion of these Terms, any representation, warranty, or agreement referenced in these Terms, or any applicable law or regulation; (3) your violation of any third-party right, including any intellectual property right or publicity, confidentiality, other property, or privacy right; or (4) any dispute or issue between you and any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you (without limiting your indemnification obligations with respect to that matter), and in that case, you agree to cooperate with our defense of those claims.
11. Disclaimers; No Warranties by Bud Financial
11.1 THE SERVICE AND ALL MATERIALS AND CONTENT AVAILABLE THROUGH THE SERVICE ARE PROVIDED “AS IS” AND ON AN “AS AVAILABLE” BASIS. BUD FINANCIAL DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, RELATING TO THE SERVICE AND ALL MATERIALS AND CONTENT AVAILABLE THROUGH THE SERVICE, INCLUDING: (a) ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, OR NON-INFRINGEMENT; AND (b) ANY WARRANTY ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE. BUD FINANCIAL DOES NOT WARRANT THAT THE SERVICE OR ANY PORTION OF THE SERVICE, OR ANY MATERIALS OR CONTENT OFFERED THROUGH THE SERVICE, WILL BE UNINTERRUPTED, SECURE, OR FREE OF ERRORS, VIRUSES, OR OTHER HARMFUL COMPONENTS, AND BUD FINANCIAL DOES NOT WARRANT THAT ANY OF THOSE ISSUES WILL BE CORRECTED.
11.2 THE SERVICE IS FOR INFORMATIONAL PURPOSES ONLY. BUD FINANCIAL IS NOT A REGULATED FINANCIAL INSTITUTION AND IS NOT PROVIDING ANY FINANCIAL SERVICES. BUD FINANCIAL IS NOT RESPONSIBLE FOR ANY DECISIONS OR ACTIONS MADE BY THE SERVICE PROVIDER OR ACCOUNT PROVIDER. BUD FINANCIAL DISCLAIMS LIABILITY ON BEHALF OF BUD FINANCIAL AND ITS LICENSORS OR SUPPLIERS FOR ANY DEFICIENCIES IN THE ACCURACY, COMPLETENESS, AVAILABILITY OR TIMELINESS OF ANY INFORMATION, PRODUCTS OR MATERIALS AVAILABLE ON OR THROUGH THE SERVICE, OR FOR ANY INVESTMENT OR OTHER DECISION MADE USING SUCH INFORMATION, PRODUCTS OR MATERIALS.
11.3 NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE SERVICE OR BUD FINANCIAL ENTITIES OR ANY MATERIALS OR CONTENT AVAILABLE THROUGH THE SERVICE WILL CREATE ANY WARRANTY REGARDING ANY OF THE BUD FINANCIAL ENTITIES OR THE SERVICE THAT IS NOT EXPRESSLY STATED IN THESE TERMS. WE ARE NOT RESPONSIBLE FOR ANY DAMAGE THAT MAY RESULT FROM THE SERVICE AND YOUR DEALING WITH ANY OTHER SERVICE USER. YOU UNDERSTAND AND AGREE THAT YOU USE ANY PORTION OF THE SERVICE AT YOUR OWN DISCRETION AND RISK, AND THAT WE ARE NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM OR MOBILE DEVICE USED IN CONNECTION WITH THE SERVICE) OR ANY LOSS OF DATA, INCLUDING USER CONTENT.
11.4 THE LIMITATIONS, EXCLUSIONS AND DISCLAIMERS IN THIS SECTION 11 (DISCLAIMERS; NO WARRANTIES BY BUD FINANCIAL) APPLY TO THE FULLEST EXTENT PERMITTED BY LAW. Bud Financial does not disclaim any warranty or other right that Bud Financial is prohibited from disclaiming under applicable law.
12. Limitation of Liability
12.1 TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE BUD FINANCIAL ENTITIES BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, OR ANY OTHER INTANGIBLE LOSS) ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, THE SERVICE OR ANY MATERIALS OR CONTENT ON THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT ANY BUD FINANCIAL ENTITY HAS BEEN INFORMED OF THE POSSIBILITY OF DAMAGE.
12.2 EXCEPT AS PROVIDED IN SECTIONS 13.4 (COMMENCING ARBITRATION) AND 13.7 (ARBITRATION RELIEF) AND TO THE FULLEST EXTENT PERMITTED BY LAW, THE AGGREGATE LIABILITY OF THE BUD FINANCIAL ENTITIES TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF OR ANY INABILITY TO USE ANY PORTION OF THE SERVICE OR OTHERWISE UNDER THESE TERMS, WHETHER IN CONTRACT, TORT, OR OTHERWISE, IS LIMITED TO US$100.
12.3 EACH PROVISION OF THESE TERMS THAT PROVIDES FOR A LIMITATION OF LIABILITY, DISCLAIMER OF WARRANTIES, OR EXCLUSION OF DAMAGES IS INTENDED TO AND DOES ALLOCATE THE RISKS BETWEEN THE PARTIES UNDER THESE TERMS. THIS ALLOCATION 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 THIS SECTION 12 (LIMITATION OF LIABILITY) WILL APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
13. Dispute Resolution and Arbitration
13.1 Generally. Except as described in Section 13.2 (Exceptions) and 13.3 (Opt-Out), you and Bud Financial agree that every dispute arising in connection with these Terms, the Service, or communications from us will be resolved through binding arbitration. Arbitration uses a neutral arbitrator instead of a judge or jury, is less formal than a court proceeding, may allow for more limited discovery than in court, and is subject to very limited review by courts. This agreement to arbitrate disputes includes all claims whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the termination of these Terms. Any dispute relating to the interpretation, applicability, or enforceability of this binding arbitration agreement will be resolved by the arbitrator.
YOU UNDERSTAND AND AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND BUD FINANCIAL ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.
13.2 Exceptions. Although we are agreeing to arbitrate most disputes between us, nothing in these Terms will be deemed to waive, preclude, or otherwise limit the right of either party to: (a) bring an individual action in small claims court; (b) pursue an enforcement action through the applicable federal, state, or local agency if that action is available; (c) seek injunctive relief in a court of law in aid of arbitration; or (d) to file suit in a court of law to address an intellectual property infringement claim.
13.3 Opt-Out. If you do not wish to resolve disputes by binding arbitration, you may opt out of the provisions of this Section 13 (Dispute Resolution and Arbitration) within 30 days after the date that you agree to these Terms by sending a letter to Bud Financial, Inc., Attention: Legal Department – Arbitration Opt-Out, 108 Lakeland Avenue, Dover, DE 19901, Attn: General Counsel, with a copy to LRC@thisisbud.com, that specifies: your full legal name, the email address associated with your use of the Service, and a statement that you wish to opt out of arbitration (“Opt-Out Notice”). Once Bud Financial receives your Opt-Out Notice, this Section 13 (Dispute Resolution and Arbitration) will be void and any action arising out of these Terms will be resolved as set forth in Section 14.2 (Governing Law). The remaining provisions of these Terms will not be affected by your Opt-Out Notice.
13.4 Arbitrator. This arbitration agreement, and any arbitration between us, is subject to the Federal Arbitration Act and will be administered by the JAMS under the rules applicable to consumer disputes (collectively, “JAMS Rules”) as modified by these Terms. The JAMS Rules and filing forms are available online at www.jamsadr.com, by calling the JAMS at +1-800-352-5267 or by contacting Bud Financial.
13.5 Commencing Arbitration. Before initiating arbitration, a party must first send a written notice of the dispute to the other party by certified U.S. Mail or by Federal Express (signature required) or, only if that other party has not provided a current physical address, then by electronic mail (“Notice of Arbitration”). Bud Financial’s address for Notice is: Bud Financial, Inc., 108 Lakeland Avenue, Dover, DE 19901, Attn: General Counsel. The Notice of Arbitration must: (a) identify the name of the party making the claim; (b) describe the nature and basis of the claim or dispute; and (c) set forth the specific relief sought (“Demand”). The parties will make good faith efforts to resolve the claim directly, but if the parties do not reach an agreement to do so within 30 days after the Notice of Arbitration is received, you or Bud Financial may commence an arbitration proceeding. If you commence arbitration in accordance with these Terms, Bud Financial will reimburse you for your payment of the filing fee, unless your claim is for more than US$10,000 or if Bud Financial has received 25 or more similar demands for arbitration, in which case the payment of any fees will be decided by the JAMS Rules. If the arbitrator finds that either the substance of the claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all fees will be governed by the JAMS Rules and the other party may seek reimbursement for any fees paid to JAMS.
13.6 Arbitration Proceedings. Any arbitration hearing will take place in the county and state of your residence address unless we agree otherwise or, if the claim is for US$10,000 or less (and does not seek injunctive relief), you may choose whether the arbitration will be conducted: (a) solely on the basis of documents submitted to the arbitrator; (b) through a telephonic or video hearing; or (c) by an in-person hearing as established by the JAMS Rules in the county (or parish) of your residence/billing address. During the arbitration, the amount of any settlement offer made by you or Bud Financial must not be disclosed to the arbitrator until after the arbitrator makes a final decision and award, if any. Regardless of the manner in which the arbitration is conducted, the arbitrator must issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based.
13.7 Arbitration Relief. Except as provided in Section 13.8 (No Class Actions), the arbitrator can award any relief that would be available if the claims had been brought in a court of competent jurisdiction. If the arbitrator awards you an amount higher than the last written settlement amount offered by Bud Financial before an arbitrator was selected, Bud Financial will pay to you the higher of: (a) the amount awarded by the arbitrator and (b) US$10,000. The arbitrator’s award shall be final and binding on all parties, except (1) for judicial review expressly permitted by law or (2) if the arbitrator’s award includes an award of injunctive relief against a party, in which case that party shall have the right to seek judicial review of the injunctive relief in a court of competent jurisdiction that shall not be bound by the arbitrator’s application or conclusions of law. Judgment on the award may be entered in any court having jurisdiction.
13.8 No Class Actions. YOU AND BUD FINANCIAL AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and Bud Financial agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding.
13.9 Modifications to this Arbitration Provision. If Bud Financial makes any substantive change to this arbitration provision, you may reject the change by sending us written notice within 30 days of the change to Bud Financial’s address for Notice of Arbitration, in which case your access to Bud Financial’s Services will be immediately terminated and this arbitration provision, as in effect immediately prior to the changes you rejected will survive.
13.10 Enforceability. If Section 13.8 (No Class Actions) or the entirety of this Section 13 (Dispute Resolution and Arbitration) is found to be unenforceable, or if Bud Financial receives an Opt-Out Notice from you, then the entirety of this Section 13 (Dispute Resolution and Arbitration) will be null and void and, in that case, the exclusive jurisdiction and venue described in Section 14.2 (Governing Law) will govern any action arising out of or related to these Terms.
14. Miscellaneous
14.1 General Terms. These Terms, including the Privacy Policy and any other agreements expressly incorporated by reference into these Terms, are the entire and exclusive understanding and agreement between you and Bud Financial regarding your use of the Service. You may not assign or transfer these Terms or your rights under these Terms, in whole or in part, by operation of law or otherwise, without our prior written consent. We may assign these Terms and all rights granted under these Terms, including with respect to your data, at any time without notice or consent. The failure to require performance of any provision will not affect our right to require performance at any other time after that, nor will a waiver by us of any breach or default of these Terms, or any provision of these Terms, be a waiver of any subsequent breach or default or a waiver of the provision itself. Use of Section headers in these Terms is for convenience only and will not have any impact on the interpretation of any provision. Throughout these Terms the use of the word “including” means “including but not limited to.” If any part of these Terms is held to be invalid or unenforceable, then the unenforceable part will be given effect to the greatest extent possible, and the remaining parts will remain in full force and effect.
14.2 Governing Law. These Terms are governed by the laws of the State of New York without regard to conflict of law principles. You and Bud Financial submit to the personal and exclusive jurisdiction of the state courts and federal courts located within New York, NY for resolution of any lawsuit or court proceeding permitted under these Terms.
14.3 Privacy and Consent. When we access your account data from your Account Provider, we will collect and process your personal data under the instruction of your Service Provider as part of the Services. We will only access and collect your account data and personal data with your consent. Once you have provided your consent, your account data will be sent to your Service Provider. Once your account data (including any personal data) has been sent through the Bud Services to your Service Provider, your Service Provider (and not us) is then responsible for the ways in which your account data (including any personal data) will be processed. Please review your Service Provider’s privacy policy for information on how they handle your data. If you use the Service, we will access your account data from the Account Providers you connect for up to the last 12 months. If you use one of Bud’s ongoing Services, we will continue to access your account data from the Account Provider(s) you connect for as long as we have a valid consent from you to do so. If we do not have a valid consent from you, we will not be able to provide the Service to you. You may revoke your consent at any time. After your account data has been sent to your Service Provider, we will only keep your account data (including any personal data) for as long as we are instructed to do under the terms of our agreement with your Service Provider. After this time, Bud will delete your account data (including any personal data) and only maintain a basic record of the consent we have collected.
14.4 Additional Terms. Your use of the Service is subject to all additional terms, policies, rules, or guidelines applicable to the Service or certain features of the Service that we may post on or link to from the Service (the “Additional Terms”). All Additional Terms are incorporated by this reference into, and made a part of, these Terms.
14.5 Consent to Electronic Communications. By using the Service, you consent to receiving certain electronic communications from us as further described in our Privacy Policy. Please read our Privacy Policy to learn more about our electronic communications practices. You agree that any notices, agreements, disclosures, or other communications that we send to you electronically will satisfy any legal communication requirements, including that those communications be in writing.
14.6 Contact Information. The Service is offered by Bud Financial, Inc. located at 108 Lakeland Avenue, Dover, DE 19901, Attn: General Counsel, with a copy to LRC@thisisbud.com. You may contact us by sending correspondence to that address or by emailing us at help@thisisbud.com.
14.7 Notice to California Residents. If you are a California resident, then under California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at +1-800-952-5210 in order to resolve a complaint regarding the Service or to receive further information regarding use of the Service.
14.8 No Support. We are under no obligation to provide support for the Service. In instances where we may offer support, the support will be subject to published policies.
14.9 International Use. The Service is intended for visitors located within the United States. We make no representation that the Service is appropriate or available for use outside of the United States. Access to the Service from countries or territories or by individuals where such access is illegal is prohibited.