ARBITRATION NOTICE: UNLESS YOU OPT OUT OF ARBITRATION WITHIN 30 DAYS OF THE DATE YOU FIRST AGREE TO THESE TERMS BY FOLLOWING THE OPT-OUT PROCEDURE SPECIFIED IN THE “DISPUTE RESOLUTION” SECTION BELOW, AND EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE “DISPUTE RESOLUTION” SECTION BELOW, YOU AGREE THAT DISPUTES BETWEEN YOU AND Pluto WILL BE RESOLVED BY BINDING, INDIVIDUAL ARBITRATION AND YOU ARE WAIVING YOUR RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION OR REPRESENTATIVE PROCEEDING.
We may modify the Terms at any time, in our sole discretion. If we do so, we’ll let you know either by posting the modified Terms on the Site or through other communications. It’s important that you review the Terms whenever we modify them because if you continue to use the Services after we have posted modified Terms on the Site, you are indicating to us that you agree to be bound by the modified Terms. If you don’t agree to be bound by the modified Terms, then you may not use the Services anymore. Because our Services are evolving over time we may change or discontinue all or any part of the Services, at any time and without notice, at our sole discretion.
You may use the Services only if you are 18 years or older and capable of forming a binding contract with Pluto and are not barred from using the Services under applicable law.
If you want to use certain features of the Services you’ll have to create an account (“Account”). You can do this via the Site or App. As part of the registration process, we may verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. These inquiries may include asking you for further information, requiring you to take steps to confirm ownership of your email address. If you do not provide this information or Pluto cannot verify your identity, we can refuse to allow you to use the Services.
It’s important that you provide us with accurate, complete and up-to-date information for your Account and you agree to update such information, as needed, to keep it accurate, complete and up-to-date. If you don’t, we might have to suspend or terminate your Account. You agree that you won’t share your Account password with anyone and you’ll notify us immediately of any unauthorized use of your Account. You’re responsible for all activities that occur under your Account, whether or not you know about them.
***The Services consist of a personal finance information management service that allows you to aggregate, manage and track your financial information and related personal information (“User Information”). You can submit your User Information directly through the Services or by importing User Information maintained by third parties and third-party services with which you have a customer relationship, maintain an account or engage in financial transactions (each, a “Third-Party Site”). When submitting or importing User Information, you agree to provide current, complete, and accurate information about yourself. Pluto is not responsible for the accuracy or legality of the User Information you submit or import. If any User Information you submit is untrue, inaccurate, not current or incomplete, Pluto has the right to terminate your Account.
Pluto cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain User Information or loss of User Information, personalization settings or other service interruptions. Pluto cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any User Information, communications or personalization settings. For example, when displayed through the Services, User Information is only as fresh as the time shown, which reflects when the information is obtained from the Third-Party Site. Such information may be more up-to-date when obtained directly from the relevant Third-Party Site. You can refresh your User Information through the Services, in the manner prescribed in the associated instructions.
Pluto may work with one or more online service providers to retrieve your User Information maintained online by a Third-Party Site. If you choose to import User Information, you will be directly connected to the Third-Party Site. Pluto, or its service provider, will submit information (including usernames and passwords) that you provide to log into the Third-Party Site (such information comprising a “Third-Party Login”). You hereby authorize and permit Pluto and its service provider to use Third-Party Logins submitted by you to accomplish the foregoing. For purposes of these Terms and solely to import Third-Party Information from the Third-Party Website pursuant to your request, you grant Pluto a limited power of attorney, and appoint Pluto as your attorney-in-fact and agent, to access the Third-Party Site, use the Third-Party Information and retrieve your User Information with the full power and authority to do and perform each thing necessary in connection with such activities, as you would do yourself.
YOU ACKNOWLEDGE AND AGREE THAT WHEN Pluto IS ACCESSING AND RETRIEVING USER INFORMATION FROM ANY THIRD-PARTY SITE, Pluto IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY THAT MAINTAINS THE WEBSITE. Your access to the Third-Party Website and any User Information it maintains is governed solely by the agreement between you and the operator of the Third-Party Website. If you choose to import User Information, you are responsible for ensuring that such action complies with the applicable terms of service between you and the Third-Party Website.
The Services may enable you to communicate with or share your User Information with other Account holders, such as family members. If you decide to do so, such Account holders may import and view your User Information. YOU ACKNOWLEDGE SOLE RESPONSIBILITY FOR AND ASSUME ALL RISK ARISING FROM SHARING USER INFORMATION WITH OTHER ACCOUNT HOLDERS. Pluto IS NOT RESPONSIBLE FOR ANY CONSEQUENCE OF ANY USE OR DISCLOSURE OF YOUR USER INFORMATION BY YOU OR ANY ACCOUNT HOLDER WITH WHOM YOU SHARE YOUR USER INFORMATION.
Some parts of the Services are supported by sponsored links from advertisers relating to third party products or services (“Offers”). The Services may display Offers that may be custom matched to you based on information stored in the Services, queries made through the Services or other information. Information in the Offers is provided by the third parties, and any Offer is subject to the third parties’ review of your information. Pluto may receive compensation from third parties which may impact the placement and availability of the Offers.
As part of the Offers or otherwise, the Services may contain links to third-party websites or resources. We provide these links only as a convenience and are not responsible for the content, products or services on or available from those websites or resources or links displayed on such websites. Pluto does not endorse, warrant or guarantee the products or services available through such third-party websites or resources. Pluto is not an agent or broker or otherwise responsible for the activities or policies of such third parties. Pluto does not guarantee that the loan, investment, plan or other service terms, rates or rewards offered by any particular advertiser or other third party on the Services are actually the terms that may be offered to you if you pursue the offer or that they are the best terms or lowest rates available in the market. You acknowledge sole responsibility for and assume all risk arising from your use of any third-party websites or resources.