Privacy Policy

Last Updated:  October 1, 2021

At FinPath (“,” “us,” “we,” or “FinPath Wellness”), we believe in providing quality financial guidance to everyone who wants it.  Part of that mission is reflected in our commitment to protecting your privacy rights and providing you with the tools to control how you share your data with us.  We have developed this Privacy Policy to describe for you, as a user of the FinPath Platform (the “Platform”), and the services provided through the Platform (the “Services”),  how we collect your information, how we use it, with whom it may be shared, and your choices about such uses and disclosures. It also covers your access to the website we maintain at https://finpathwellness.com and (the “Website”).

We encourage you to read this Privacy Policy carefully before using the Platform or Services, or otherwise sharing information with us.  By using the Platform or accessing the Website, you are accepting the practices described in this Privacy Policy.  If you have any questions about our privacy practices, please refer to the end of this Privacy Policy for information on how to contact us.

Please note that many of the Services are provided by our third-party vendors and service providers (the “Providers”), either directly through the Platform or through websites they maintain (but are linked to the Platform and provided for your use). These Providers will generally have their own privacy policies that dictate how they collect, use and share your information.  If you want to learn more about their privacy practices, we encourage you to visit the website of each Provider with which you choose to connect. Accordingly, we generally require that each Provider deliver to you a privacy notice prior to or upon opening any new account, or upon your requesting Service.


How We Use The Information We Collect

In general. We may use information that we collect about you to:

  • determine your eligibility to participate in programs or obtain Services, and verify your identity for regulatory purposes;
  • deliver or help coordinate the Services that you have requested from us or the Providers;
  • send you offers and promotions for Services, both our own and those provided by the Providers;
  • manage your account and provide you with customer support;
  • send administrative information to you, such as information regarding the Platform and changes to our terms, including through push notifications and text messages;
  • perform research and analysis about your use of, or interest in, our products, services, or content, or the products, services and content offered by others via the Platform;
  • communicate with you by email, postal mail, telephone and/or mobile devices, or send newsletters or other information about events, products or Services;
  • carry out our ordinary business purposes, such as performing data analysis and audits; ongoing fraud monitoring and prevention; developing new products; enhancing, improving or modifying our products and services; identifying usage trends; and determining the effectiveness of our promotional campaigns;
  • enforce our terms and conditions or otherwise comply with legal obligations; and
  • perform any other functions described to you at the time of collection.


Your Financial information.  We may use your financial information (such as bank or investment account numbers, payment account information, social security number, and other sensitive data) to provide information, at your request, to any of the Providers from whom you request Services through the Platform.  This may be used, for example, to pre-qualify you for credit cards, to protect against or identify possible fraudulent transactions, or to open client accounts. This information is only shared at your request.


Information We Collect About You

When you use the Platform or access the Website, we collect information from and about you, your devices, and your interactions with the Services. Some of this information identifies you directly or can be used to identify you when combined with other data. Such information could include:

Voluntary Information.  We may collect and store any personal information you manually enter into the Website or Platform.  This includes identifying information such as your name, address, e-mail address, telephone number, credit card information, financial information (such as bank account numbers) and other personally identifiable information. You will generally provide this information to us when you create an account on the Platform or request Services, whether from us or via the Providers. It could also be obtained when you contact us with questions or for customer support, fill out surveys, or otherwise voluntarily engage with FinPath representatives or the Platform. Similarly, we may receive information about you from your employer or other program sponsor if you elect to sign up for Services.

Location Information. The Platform may collect and process location information, if you allow it.  If location services are enabled, we collect your device’s precise location when you open and/or use the Platform, as you have authorized. This enables us to display relevant data based on your location, thereby enhancing your user experience. Please refer to your device or web browser’s user guide for more information.

Usage Information. We collect information about your use of the Website and the Platform, including the webpages and sections of the Platform you access, the content you view, and the dates and times of your access. This information could also include the type of browser you use, your IP address and the page you visited before navigating to the Website. We also collect information about the computer or mobile device you use to access the Platform, such as the hardware model, operating system and version, unique device identifiers, mobile network information, and browsing behavior. All of this enables us to ensure the Platform performs adequately based on your device type, as well as to understand how our users engage with our Platform.

You may adjust settings on your mobile device and mobile browser regarding cookies and sharing of certain information, such as your mobile device model or the language your mobile device uses, by adjusting the privacy and security settings on your mobile device. Please refer to the instructions provided by your mobile service provider or mobile device manufacturer. If you enable location services on your mobile device, we may collect the location of your device as described above.

Communications. We collect information about any phone, text message, e-mail, or online messaging function you use to communicate with us. This may include, in addition to the text of such communications, the participants’ phone numbers, the date and time, and the contents of SMS messages. All communications (in any form) between you and our customer service team may be recorded or monitored for quality assurance and customer service purposes.


Collection of Information by Third-Party Services

Some services we provide you through the Platform require collection of your information directly by third parties, including the Providers. Third parties to whom we may disclose personal information generally have their own privacy policies. Those policies will govern their use, handling and disclosure of your personal information.  If you want to learn more about their privacy practices, we encourage you to visit the websites of those third parties.

Similarly, there are some places in the Platform and on the Website where you may access other websites that do not operate under this Privacy Policy.  You may be taken to a website that we do not control. These third-party websites may independently solicit and collect information, including personal information, from you and in some instances provide us with information about your activities on those websites.  We recommend that you consult the privacy statements of all third-party websites you visit.



We use various technologies to collect information automatically when you access the Platform or our Website, including cookies, web beacons and other similar technologies. A cookie is a small text file that is stored in a user’s computer for record keeping purposes.  For example, when you access or sign into the Platform, we may record your user or member ID, the name on your user or member account, your device ID, or other identifying information in the cookie file on your computer.  We also may record your password in this cookie file, if you indicated that you would like your password saved for automatic sign-in. For security purposes, we will encrypt any usernames, passwords, and other user or member account-related data that we store in such cookies.  In the case of sites and services that do not use a user or member ID, the cookie will contain a unique identifier.  You may delete or decline cookies by changing your browser settings.

[The Website may also include web beacons or pixels, which are electronic files to count users who have visited that page, to track activity over time and across different websites, to determine users’ interactions with emails we send, to identify certain cookies on the computer or other electronic device accessing that page, or to collect other related information, and this information may be associated with your unique browser, device identifier, or Internet Protocol address. We may, for example, implement a pixel on the Website where you view a certain advertisement so that we can track whether you visit a website associated with that advertisement at a later time.]

[Similarly, third parties may use cookies to deliver advertisements to you based on your visit to the Website or other websites. You may opt-out of cookie tracking and analysis from any of these service providers and advertising networks, but doing so could impede your experience with the Platform.]


How We Share and Disclose Your Information

We do not share your personal information with third parties except as indicated below, or when we inform you and give you an opportunity to opt-out of having your personal information shared.  In particular, we do not share or sell your information to third parties for advertising purposes, except as noted below. We will only share personal information that you provide to us in the following circumstances:

  • With your consent. This happens when you submit service requests through the Platform. For example, if you direct that we assist with account opening or help to pre-fill application information with a Provider, then you are authorizing us to share necessary and relevant personal data with that Provider. In turn, those Providers may use and disclose your information in accordance with their own privacy policies.
  • Partners with whom we conduct business. When we partner with other businesses to offer products and services, we may share information with those Providers only as needed to provide those products and services and only subject to the terms of this Privacy Policy. FinPath, however, may at times enter into agreements with Providers whereby we will agree to market the Services they have agreed to offer via the Platform, and we may use your information to do so, including to provide you with the most relevant and timely marketing materials.


Other situations. We also may disclose your information:

  • In response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us.
  • When we believe disclosure is appropriate in connection with efforts to investigate, prevent, or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of FinPath, our users, our partners, our employees, or others; or to enforce our website terms and conditions or other agreements or policies.
  • In connection with a substantial corporate transaction, such as a divestiture, spin-out, asset sale, merger or consolidation, or in the unlikely event of bankruptcy.
  • Aggregated Information. We may share aggregated and non-personal information we collect under any of the above circumstances. We may also share aggregated information with third parties, including advisors, and partners for the purpose of conducting general business analysis, conducing case studies, or internal marketing to our users generally.


Email and SMS Management

You may choose to receive email or text messages from FinPath for a variety of reasons; for example, if you took an action through the Platform, you signed up for a regular report, or we are making you aware of system updates. If you have an account with FinPath, you can manage your communication preferences through your account settings. Also, you can manage your receipt of some types of communication by following the instructions included in the emails or text messages we send you. Please note that, even if you unsubscribe from certain email correspondences, we may still need to email you with important transactional or administrative information.


How you can access your information

If you have an account with us, you can review and update your personal information online by signing into your account through the Platform. You can also review and update your personal information by contacting us.  More information about how to contact us is provided below.

You may disable your account by deactivating your account through the Platform or contacting us at hello@finpathwellness.com. After deactivation, you will not be able to sign into the Platform or Website or access any of your personal information or transaction history.  Even after termination, we may still retain certain information associated with your account for analytical purposes and recordkeeping integrity, as well as to prevent fraud, enforce our terms and conditions, take actions we deem necessary to protect the integrity of our systems or our users, or take other actions otherwise permitted by law.  In addition, if certain information has already been provided to third parties as described in this Privacy Policy, retention of that information will be subject to those third parties’ policies.


How we protect your personal information

Protecting your personal information is important to us, and we take appropriate security measures (including physical, electronic and procedural measures) to help safeguard your personal information from unauthorized access and disclosure.  For example:

  • We employ a sophisticated network firewall, web application firewall, and DDoS protection layer designed to keep intruders out.
  • We comply with the highest design standards and best practices of our cloud service providers.
  • Only authorized employees and contractors are permitted to access personal information, and they do so only for permitted business functions.
  • Stored data is protected by encryption at rest and sensitive data by application-level encryption. We do not store user’s bank credentials.
  • We use industry leading solutions around intrusion detection systems, file integrity monitoring, application control, application and audit log aggregation and automated patching


We want you to feel confident using the Platform and the Website.  However, no system can be completely secure. Therefore, although we take steps to secure your information, we do not promise, and you should not expect, that your personal information, searches, or other communications will always remain secure.


Changes to this Privacy Policy

We will occasionally update this Privacy Policy to reflect changes in our practices and services.  When we post changes to this Privacy Policy, we will revise the “last updated” date at the top of this Privacy Policy.  If we make any material changes in the way we collect, use, and/or share your personal information, we will notify you by sending an email to the email address you most recently provided us in your account, profile or registration (unless we do not have such an email address).  We recommend that you check our Website from time to time to inform yourself of any changes in this Privacy Policy or any of our other policies.


Children Under 13

The minimum age to use our Services is 18, and we do not knowingly provide Services to anyone under such age. In addition, access to the Platform, Website and our Services are not intended or appropriate for children under 13 years of age and we do not knowingly collect personal information from children under 13. No one under age 13 may provide any information to us in any manner. If we learn we have collected or received personal information from a child under 13, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at hello@finpathwellness.com.


How to Contact Us

If you have any questions about this Privacy Policy or our information-handling practices, or if you would like to request information about our disclosure of personal information to third parties for their direct marketing purposes, please contact us by postal mail at 900 S Capital of Texas Hwy, Ste 350, Austin, TX 78746, Attn: Privacy Coordinator, or by email at:  hello@finpathwellness.com.

End User Agreement

Last Updated:  October 1, 2021

FinPath (“Provider”), provides financial wellness services (the “Services”) generally available at https://finpathwellness.com or any other vanity URL of www.finpathwellness.com (the “Site”). By your clicking “I agree” or by accessing the Site or using the Services, you agree to the following terms and conditions (this “End User Agreement”).


 1. Services 

1.1 Services Generally. The Services include, without limitation, all information and content made available on the Site, together with information provided by any personnel, including, without limitation, coaches and investment advisers, who provide any guidance or advice in connection with or related to the Site (the information and guidance are collectively referred to as “Content”). All Services and Content are for general guidance only. Given the changing nature of laws, rules, and regulations, and the inherent hazards of electronic communication, there may be delays, omissions, or inaccuracies in the Services or Content. The Services include general financial literacy tools for budgeting, debt management, managing credit scores, managing student loans, and financial goal setting. The Services do not include the provision of tax preparation services, tax advice or tax counsel, specific investment or financial advice, legal advice, or professional consulting of any kind. The Services should not be used as a substitute for consultation with professional tax, accounting, legal, financial, investment or other competent advisors. Before making any decision or taking any action, you should consult a professional advisor who has been provided with all pertinent facts relevant to your particular situation.

1.2 Securities and Financial Information.

(a) You understand that the Services and Content may also involve matters with respect to finance and investing, such as general investment strategies, asset allocations, and in particular the performance of certain ETFs (and their underlying holdings), indices, stocks, stock portfolios, and investors. Provider merely gathers, processes, and makes information available to you.  You acknowledge that: (1) Provider provides you with  risk tolerance and general investment planning strategies based solely on profile data you provide, such information is provided for informational purposes only and Provider does not review the information posted on the Site for reasonableness, strategic usefulness, or your individual investment management purposes, and Provider does not act in any type of financial advisory capacity for you; (2) the Services may include information it obtains from sources such as stock exchanges, other financial data providers and news sources, and Provider does not review, endorse or analyze all such third-party information; (3) Provider does not guarantee the accuracy, completeness, or timeliness of any information provided by the Services or on the Site; (4) none of the information on the Site or obtained as a part of the Services constitutes a solicitation or offer to buy or sell any security, or to provide financial advisory services or other advice regarding the future profitability or the suitability of any security or investment; and (5) the information provided as a part of the Services is not intended for use by, or distribution to, any person or entity in any jurisdiction or country where such use or distribution would be contrary to law or regulation, and no information from the Site may be copied in any form, by any means, or redistributed, published, circulated or commercially exploited in any manner without Provider’s prior written consent except as expressly authorized    in    accordance    with    this    End User Agreement. Accordingly, Provider and Provider’s owners, sponsors, directors, officers, employees, successors, and assigns shall not, directly or indirectly, be liable, in any way, to you or any other person or entity for any: (i) inaccuracies or errors in or omissions from the Services or Content including, but not limited to, any information or analysis posted by any other user, prices of securities and financial data; (ii) delays, errors, or interruptions in the transmission or delivery of the Services or Content; or (iii) loss or damage arising from your use of the Services, Site or Content or by any reason of nonperformance.

(b) You will not use the Services or Site in any way to violate insider trading laws or other federal or state securities laws and regulations of the United States, any state or any other country, as applicable, relating to securities disclosure, securities trading, or investment advisory or brokerage services.

1.3 Contact Information. If you have questions about this End User Agreement or about the Services or content of the Site, please contact Provider at hello@finpathwellness.com.

2. Eligibility.

You may use the Services under these terms and conditions of this End User Agreement provided that you can enter into legally binding contracts over the internet under applicable laws, rules or regulations, you reside in the United States and you have been approved by your employer to receive the Services. The Services are intended solely for persons who are 21 or older. Any access to the Site or use of the Services by anyone under 21 is unauthorized, unlicensed, and in violation of this End User Agreement.

If you do not qualify under the foregoing eligibility requirements, you cannot use the Services. If you use the Services, you acknowledge and represent that you are eligible to use the Services in accordance with all of the terms and conditions of this End User Agreement. If you are a person who does not meet the eligibility criteria set out above but nevertheless register and use the Services, you as a noneligible party shall have all the obligations, responsibilities and liabilities as would an eligible entity that is a party to this End User Agreement, although Provider reserves the right to remove your access to the Services and the Site on the basis that you are not eligible.

3. Registration.

All registrations must contain the required information indicated on the registration form. Your employer has provided certain information to Provider in connection with providing the Services to you. You warrant that you have reviewed the information provided to Provider by your employer and that all information provided by you and provided by your employer in connection with registration and the Services is true, accurate, complete and up-to-date and you agree to make any changes necessary to your user profile on the Services to ensure that such information is true, accurate, complete and up-to-date at all times. Provider reserves the right, acting in its sole discretion, to accept, reject or cancel registrations for the Services.


4. Security.

You will be required to enter your username and password every time you wish to access the Services unless entering via your company’s Single Sign-On (SSO) portal. Your username and password are personal to you and non-transferable, and you shall maintain them in strict confidence and will not communicate them to anyone else or allow anyone else to use them. YOU ARE RESPONSIBLE FOR ALL USE OF THE SERVICES MADE USING YOUR USERNAME AND PASSWORD, REGARDLESS OF THE IDENTITY OF THE PERSON MAKING SUCH USE. PROVIDER AND ITS LICENSORS AND SUPPLIERS WILL NOT HAVE ANY RESPONSIBILITY OR LIABILITY IN CONNECTION WITH ANY UNAUTHORIZED USE OF THE USERNAMES OR PASSWORDS OR ANY UNAUTHORIZED USE OF THE SERVICES. If you become aware of a breach of security with respect to your password or of any other breach of security, you will immediately notify Provider. Your access to or use of the Services may be immediately suspended with or without notice by Provider at any time for any reason.

5. Restrictions.

Except as otherwise expressly permitted under this End User Agreement, you may not do any of the following, nor may you authorize any third party to do any of the following with respect to the Site or the Services, including without limitation any of its related technology and databases: (a) access or use any portion except for your personal household purposes (and, in particular, but without limiting the foregoing, not to use or access any portion for marketing, advertising or business purposes); (b) modify or create any derivative works; (c) decompile,

disassemble, reverse engineer, or otherwise attempt to derive the related source code used to provide the Services; (d) redistribute, encumber, sell, rent, lease, use for service bureau purposes, sublicense or otherwise transfer any related rights; (e) use, launch or permit to be used any automated system on or with the Site or the Services, including without limitation “robots,” “crawlers,” or “spiders”; or (f) remove or alter any related trademark, logo, copyright or other proprietary notices, legends, symbols or labels. You may not use or access the Services or Site outside the United States. You may not reproduce or copy any portion of the Services other than (a) to access the Services in accordance with this End User Agreement and (b) to  reproduce a reasonable number of hard

copies of information obtained from the Services for the private use only of the individual who has registered for the Services and provided that such copying is done on an ad hoc basis only and that no more than one article or extract is reproduced on each occasion. You do not have the right to physically possess any software that operates the Site or Services.

6. Posting of Information and Access; Suspension of Service.

6.1 Generally. You will not use the Services to post or transmit any information or content in violation of any applicable law or regulation, or in any manner that violates, infringes or misappropriates any third party right or interest, or in any manner that causes harm or damage of any kind. Among other prohibited activities and without limiting the foregoing, you must not make available or promote in or through the Services any material which: (a) infringes any person’s intellectual property rights; (b) is or is likely to be perceived as defamatory, threatening, misleading, offensive or inappropriate, or materially misrepresents facts; (c) encourages or constitutes a criminal offense or may give rise to civil liability for Provider, including, without limitation, the offering or facilitation of prostitution or sex trafficking; (d) adversely affects performance or availability of the Services, or places an undue load on Provider network resources; (e) contains any virus, harmful component or corrupted data; or (f) contains any advertising, promotion or solicitation. You understand that Provider cannot and will not undertake to approve or endorse any material uploaded, posted or published by you or by other users of the Notwithstanding that Provider is under no obligation to read, approve or endorse material uploaded, posted or published in connection with the Services, in the event that Provider becomes aware of, or a third party notifies Provider that the third party believes that information or content posted or placed on the Services violates an applicable law or regulation, or violates, infringes, misappropriates any third party right or interest, or otherwise unlawfully harms or damages an individual or entity, Provider may suspend service on part or all of the Services to which the allegations pertain. Provider further reserves the right to deny you access to the Services in the event Provider believes that you may have violated the provisions of this Section or are otherwise in breach of this End User Agreement. In addition, Provider may, without notice, suspend all services to you hereunder, destroy any information or data entered by you on the Services, and/or block your access to the Services to the extent that Provider is required by law or order of any court or regulatory agency to do so.


7. Ownership and Restrictions.

7.1 Provider Ownership. Provider and its licensors own all right, title, and interest, including all worldwide intellectual property rights in the Services, Site, Content, and the trademarks, service marks, and logos contained therein. You will not remove, alter or conceal any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying the Services, Site, Content, other user information or related products or

7.2 Your Information. Provider does not claim ownership rights in Your Information. However, by uploading, submitting, emailing, posting, publishing, providing, approving, sharing or otherwise making available any of Your Information to Provider or within the Site, you hereby grant Provider a nonexclusive, worldwide, royalty-free, sublicensable, perpetual, and irrevocable right and license to use, store, reproduce, modify, adapt, and prepare derivative works based on, perform, display, publish, distribute, transmit, broadcast, and otherwise exploit Your Information in any form, medium, or technology now known or later developed, including without limitation on the Site (including areas of the Site different from the area of the Site to which you provided Your Information), and on third-party websites through which you access the Services or parts thereof. You represent and warrant that you own or have the necessary licenses, rights, consents, and permissions to grant the foregoing licenses to Provider. Provider shall own all right, title and interest in and to all derivative works and compilations of Your Information that is created by Provider, including all worldwide intellectual property rights therein. You agree to execute and deliver such documents and provide all assistance reasonably requested by Provider to give to Provider the full benefit of the rights granted to Provider by you.

7.3 Disclaimer. Provider has no ability to control the information of other users that is uploaded, posted, transmitted, provided, or otherwise made available using the Services and does not have any obligation to monitor such information for any purpose. Provider does not endorse any such information, or any opinion, recommendation, or advice expressed therein and you agree to waive, and hereby do waive, any legal or equitable rights or remedies you have or may have against Provider with respect

7.4 Feedback. Your feedback is welcome and encouraged. You may submit feedback by emailing us hello@finpathwellness.com. You agree, however, that (i) by submitting unsolicited ideas to Provider or any of its employees or representatives, by any medium, including but not limited to email, written, or oral communication, you automatically forfeit your right to any intellectual property rights in such ideas; and (ii) such unsolicited ideas automatically become the property of Provider. You hereby assign and agree to assign all rights, title, and interest you have in such feedback and ideas to Provider together with all intellectual property rights therein.

7.5 Copyrighted Materials. If you become aware of misuse of the Site or content thereon by any person, please contact Provider to report any abuse. Provider has adopted and implemented a policy that provides for the termination of accounts of users who infringe the rights of copyright Please see the Provider Copyright and Intellectual Property Policy for further information.

 7.6 Strategic Partners. You further acknowledge that Provider may share Your Information with certain third parties and/or affiliated entities including vendors who provide services for the Program and or with whom Provider has a business relationship and who provide various financial services (“Strategic Partners”).  Links to the websites or other content of Strategic Partners may be appear in the Services from time to time.  The presence of such links or content does not constitute an endorsement of the Strategic Partner and Provider will have no liability whatsoever arising from your use of the Strategic Partner’s services or products. Your use of the Strategic Partner’s services or products will be subject to the terms and conditions established by such Strategic Partner. Provider may receive payment from Strategic

8. Term and Termination.

Provider may, without terminating this End User Agreement, suspend the provision of the Services in whole or in part until further notice without warning for any reason. Provider may remove any material (including Your Information) from the Site, in our sole discretion, at any time for any reason without notice to Either party may terminate this End User Agreement, with or without cause, at any time. All terms and condition of this End User Agreement that are intended by their nature to survive termination of this End User Agreement shall survive termination and remain in full force, including but not limited to the terms and conditions concerning any disclaimers, intellectual property rights, duties of confidentiality, limitations of liability, duties of indemnification, and provisions regarding resolution of differences. Although each party’s further rights and obligations cease immediately on termination of this End User Agreement termination does not affect a party’s accrued rights and obligations at the date of termination. Further, if Provider believes, in its sole discretion, that a violation of this End User Agreement has occurred, Provider may take any other corrective action it deems appropriate. Provider reserves the right to investigate suspected violations of this End User Agreement, including, without limitation, any violation arising from Your Information. Provider may fully cooperate with any law enforcement authorities or court order requesting or directing Provider to disclose the identity of anyone posting, publishing, or otherwise making available any information, emails, or other materials.

9. Linking

You may not link to the Services from any website without Provider’s prior written consent. If and where the Services provide links to any third-party website, such website may not be under either Provider’s control and accordingly Provider will have no responsibility for, and does not make any representations or warranties with respect to, such website or any content, products or services in connection therewith, and Provider does not endorse any of the same.

10. Compliance with Laws.

You will comply with all applicable domestic and foreign laws, rules and regulations in connection with your use of the Services provided

11. Changes to Services

Provider reserves the right to change without notice, at its sole discretion, the content, presentation, performance, functionality and availability of the

12. Ownership

All right, title and interest in and to the Services, including without limitation all information and related technology, shall remain with Provider and/or its licensors (except with respect to content placed on the Services by you and certain other third parties), and you shall have no rights in the Services or any of Provider’s other intellectual property. You acknowledge such ownership and intellectual property rights and will not take any action to jeopardize, limit or interfere in any manner with Provider’s or its licensors’ ownership of or rights with respect to the same. All rights not granted to you in this agreement are expressly reserved to Provider and its licensors. No rights are granted by

13. Privacy Policy

You consent to the use of all data provided by you or on your behalf in accordance with the Privacy Policy set forth at URL: https://finpathwellness.com/disclosures.

14. Indemnification

To the maximum extent permitted by applicable State law, you agree to defend (at the indemnified party’s option), indemnify and hold Provider and its respective partners, principals, employees, licensors, agents, affiliates, business associates, suppliers and insurers harmless from and against any and all losses, damages, liabilities, costs (including reasonable attorneys’ fees) and expenses in connection with any claim arising out of or in connection with (i) your access to or use of the Services, Site, Content or other user information; (ii)  any content or information posted or transmitted by you or your employer using the Services or that otherwise arise out of your use of the Services or that of any other third party who is given or gains access to the Services due to your action or inaction (collectively, “Your Information”); (iii) your violation of this End User Agreement; (iv) your violation of any third-party right, including without limitation any intellectual property right, property, or privacy  right; (v) any claim that Your Information caused damage to a third-party; or (vi) any claim related to your distribution of any Content or other user information.

15. Downtime, Data Loss and Security.

You understand and agree that no representation or warranty is made with respect to the functionality or availability of the Services, and that all or any portion of the Services may for a variety of reasons be unavailable to you for use either temporarily or permanently without notice. You further agree and understand that information and data related to the Services may be irretrievably lost or destroyed at any time, and it will be your responsibility to make all necessary copies and backups of any appropriate information and data posted to or obtained or available from the Services. You agree that Provider, its licensors and suppliers, will not have any liability due to your inability to access the Services, any portion thereof or any related data or information, and will not have any liability in connection with the loss or destruction of any such data or information. You understand and acknowledge that neither the Services nor network is immune from unauthorized access. Accordingly, Provider will not have any liability or responsibility in connection with any unauthorized access to the Services or Site. You understand and agree that the Services or Site may be unavailable due to scheduled or unscheduled maintenance or downtime. Provider reserves the right to prevent or limit access to the Services or Site for security, upgrades or other reasonable purposes.


16. Disclaimers and Assumptions of Risk.


17. Limitation of Liability.



18. General

18.1 Governing Law, Jurisdiction and Venue. This End User Agreement will be governed by and construed in accordance with applicable U.S. federal law and the laws of the State of Texas, without regard to conflict of laws principles. Each party irrevocably consents to the exclusive jurisdiction and venue of the United States federal and Texas state courts in connection with any dispute or claim arising under this End User Each party waives any right that it may have to assert that such forum is not convenient. Each party agrees not to demand a trial by jury in any action, proceeding or counterclaim arising out of or relating to Provider’s services and fees. The UN Convention on Contracts for International Sale of Goods will not apply to this End User Agreement.

18.2   Amendment; Assignment. Provider may amend this End User Agreement at any time. Upon posting on the Services, the new terms including price are automatically effective and binding on you. By continuing to access or use the Services and Site after Provider makes any such revision, you agree to be bound by the revised End User Agreement. Each version of the End User Agreement will be identified at the top of the page by the effective date. If you do not wish to accept such amendment, you may terminate this End User Agreement pursuant to Section 8. This End User Agreement may not be otherwise amended. No waiver by Provider of any term or condition of this agreement will be effective unless made in writing. You may not assign, transfer, change or otherwise seek to deal with any rights or obligations under this End User Agreement without the prior written consent of Provider. Provider may assign this End User Agreement.

18.3 Notices. Any notice or other communication to be given hereunder will be in writing and given by (a) Provider via email (in each case to the address that you provide), (b) a posting on the Site, or (c) you via email to hello@finpathwellness.com or to such other addresses as Provider may specify in writing. The date of receipt shall be deemed the date on which such notice is transmitted.=

18. 4 Miscellaneous. In the event of any conflict between this End User Agreement and any procedures or requirements set out in the Services, the provisions of this End User Agreement will prevail. If any provision of this End User Agreement is held to be invalid, void or illegal, it will be severed from this End User Agreement and will not affect, impair or invalidate any other provision, and it will be replaced by a provision which comes closest to such severed provision in language and intent without being invalid, void or illegal. No right under this End User Agreement or breach hereof may be waived except in writing signed by the parties hereto. The failure of either party to require performance of any provision of this End User Agreement will not be construed as a waiver of such party’s rights to insist on performance of such provision or any other provision at some other time. The relationship of the parties under this End User Agreement is that of independent contractors, and this End User Agreement will not be construed to imply that either party is the agent, employee, or joint venturer of the other. Nothing in this End User Agreement is intended to, nor will, create any third- party beneficiaries, whether intended or incidental. This End User Agreement constitutes the entire agreement between Provider and you with respect to the subject matter.