Access to the GS PFM Web site (as defined below), the GS PFM Mobile Applications (as defined below), the GS PFM Content (as defined below), and all material and functionality associated therewith (collectively, the “GS PFM Services”) is provided by GS PFM. For purposes of these Terms and Conditions of Use, “GS PFM” shall mean United Capital Financial Advisers, LLC d/b/a Goldman Sachs Personal Financial Management (“GS PFM”) and its affiliates, and their officers, directors, managing directors, partners, and employees. The “GS PFM Web site” shall mean the web site of GS PFM available to the general public and located at unitedcp.com, and select other websites which include but are not limited to: https://www.goldmanpfm.com and https://www.flexscore.com. The GS PFM Applications shall mean any mobile applications associated with the GS PFM Web site.
By accessing, browsing, downloading, using, or registering to receive any GS PFM Content or GS PFM Services, you acknowledge that you have read and understand these Terms and Conditions of Use and that you accept and agree to be bound by them in full. If you do not agree to these Terms and Conditions of Use, stop using the GS PFM Services immediately.
Your use of the GS PFM Services may be monitored by GS PFM, and the resultant information may be used by GS PFM for its internal business purposes or in accordance with the rules of any applicable regulatory or self-regulatory organization.
You understand and agree that GS PFM owns, or (where required, appropriate, or applicable) has been licensed by third parties to use, all right, title, and interest in and to the GS PFM Services and the features, materials, opportunities, and services made available on or through the GS PFM Services, and all information, text, data, computer code, music, artwork, databases, graphics, images, sound recordings, audio and visual clips, logos, software, and other materials contained therein, and the compilation, collection, design, selection, and arrangement thereof (collectively, the “Content”) as well as the design, structure, selection, coordination, expression, “look and feel,” and arrangement of such Content.
You acknowledge that the Content constitutes valuable proprietary information that is protected by applicable intellectual property and other proprietary rights, laws, and treaties of the United States and other countries, and that you acquire no ownership interest by accessing and using the GS PFM Services and the Content. Such intellectual property and proprietary rights may include, but are not limited to, various patents, copyrights, trademarks and service marks, registered trademarks and service marks, trade dress protection, and trade secrets, and all such rights are and shall remain the property of GS PFM or its licensors and content-providers. For the avoidance of doubt, “Content” does not include any Third Party Materials (as defined below) or any features, opportunities, or services made available through the Sites (as defined below). Except as expressly provided in these Terms and Conditions of Use, no part of the GS PFM Services, and no Content, materials, or other information on the GS PFM Services, may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, or distributed in any way to any other computer, server, website, or via any other medium for publication or distribution, or for any commercial enterprise without GS PFM’s express prior written consent.
The posting of information or other materials or Content on the GS PFM Services by GS PFM does not constitute a waiver of any proprietary right in such information, materials, or Content (such as, but not limited to, copyright, patent, trademark, or other intellectual property rights) and does not transfer any rights to a user of the GS PFM Services or to any other third party, except as expressly provided herein.
You are permitted to store, display, analyze, modify, reformat, and print the information made available to you via these services only for your own use. You are not permitted to publish, transmit, or otherwise reproduce this information, in whole or in part, in any format to any third party without the express written consent of GS PFM. In addition, you are not permitted to alter, obscure, or remove any copyright, trademark or any other notices that are provided to you in connection with the information. GS PFM reserves the right, at any time and from time to time, in the interests of its own editorial discretion and business judgment to add, modify, or remove any of the information. These Terms and Conditions of Use are not intended to, and will not, transfer or grant any rights in or to the information other than those which are specifically described herein, and all rights not expressly granted herein are reserved by GS PFM or the third party providers from whom GS PFM has obtained the information. You are required to read and abide by any additional terms and conditions that may be posted on this service from time to time concerning information obtained from specific third party providers. Such third party providers shall have no liability to you for monetary damages on account of the information provided to you via this service.
GS PFM makes no warranty, express or implied, concerning the GS PFM Services. The GS PFM Services provided by us and our third-party providers are on an “AS IS” basis at your sole risk. GS PFM expressly disclaims any implied warranty of merchantability or fitness for a particular purpose, including any warranty for the use or the results of the use of the services with respect to their correctness, quality, accuracy, completeness, reliability, performance, timeliness, or continued availability.
Neither GS PFM nor any of its third-party providers shall have any responsibility to maintain any portion of the GS PFM Services or to supply any corrections, updates, or releases in connection therewith. Availability of the GS PFM Services are subject to change without notice.
GS PFM shall have no liability, contingent or otherwise, to you or to third parties, or any responsibility whatsoever, for the failure of any connection or communication service to provide or maintain your access to the GS PFM Services, or for any interruption or disruption of such access or any erroneous communication between GS PFM and you, regardless of whether the connection or communication service is provided by GS PFM or a third party service provider.
GS PFM shall have no liability, contingent or otherwise, to you or to third parties, for the correctness, quality, accuracy, timeliness, reliability, performance, continued availability, completeness or delays, omissions, or interruptions in the delivery of the GS PFM Services or for any other aspect of the performance of the GS PFM Services or for any failure or delay in the execution of any transactions through the GS PFM Services.
In no event will GS PFM be liable for any special, indirect, incidental, or consequential damages which may be incurred or experienced on account of you using the GS PFM Services even if GS PFM has been advised of the possibility of such damages. GS PFM will have no responsibility to inform you of any difficulties experienced by GS PFM or third parties with respect to the use of the GS PFM Services or to take any action in connection therewith.
GS PFM makes no warranty whatsoever to you, express or implied, regarding the security of the GS PFM Services, including with respect to the ability of unauthorized persons to intercept or access information transmitted by you through the GS PFM Services.
As a result of high Internet traffic, transmission problems, systems capacity limitations, and other problems, you may, at times, experience difficulty accessing the GS PFM Services or communicating with GS PFM through the Internet or other electronic and wireless services. Any computer system or other electronic device, whether, it is yours, an Internet service provider’s or GS PFM’ can experience unanticipated outages or slowdowns, or have capacity limitations.
This material has been prepared for informational purposes only without regard to any particular user’s investment objectives, financial situation, or means, and GS PFM is not soliciting any action based upon it. This material is not to be construed as a recommendation; or an offer to buy or sell; or the solicitation of an offer to buy or sell any security, financial product, or instrument; or to participate in any particular trading strategy in any jurisdiction in which such an offer or solicitation, or trading strategy would be illegal. Certain transactions, including those involving futures, options, and high-yield securities, give rise to substantial risk and are not suitable for all investors. Although this material is based upon information that GS PFM considers reliable and endeavors to keep current, GS PFM has not verified this information and does not represent that this material is accurate, current, or complete and it should not be relied upon as such.
The fact that GS PFM has made the GS PFM Services available to you constitutes neither a recommendation that you enter into a particular transaction nor a representation that any product described is suitable or appropriate for you. Many of the products described involve significant risks, and you should not enter into any transactions unless you have fully understood all such risks and have independently determined that such transactions are appropriate for you. Any discussion of the risks contained herein with respect to any product should not be considered to be a disclosure of all risks or complete discussion of the risks which are mentioned. You should neither construe any of the material contained herein as business, financial, investment, hedging, trading, legal, regulatory, tax, or accounting advice nor make this service the primary basis for any investment decisions made by or on behalf of you, your accountants, or your managed or fiduciary accounts, and you may want to consult your business advisor, attorney, and tax and accounting advisors concerning any contemplated transactions.
This service may provide links to certain Internet sites (the “Site(s)”) sponsored and maintained by third parties. GS PFM is providing such links solely as a convenience to you. Accordingly, GS PFM makes no representations concerning the content of the Sites. The fact that GS PFM has provided a link to the Site does not constitute an endorsement, authorization, sponsorship, or affiliation by GS PFM with respect to the GS PFM Site, its owners, or its providers. GS PFM has not tested any information, software, or products found on any of the Sites and therefore does not make any representations with respect thereto, including any representations regarding the content or sponsors of the Site, or the suitability or appropriateness of the products or transactions described therein.
IN NO EVENT SHALL GS PFM OR ITS CONTRACTORS, SUPPLIERS, CONTENT-PROVIDERS, AND OTHER SIMILAR ENTITIES, OR THE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES, AND AGENTS OF EACH OF THE FOREGOING, BE LIABLE TO YOU OR ANY OTHER THIRD PARTY FOR ANY LOSS, COST, DAMAGE, OR OTHER INJURY, WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH: (A) THE USE OF, OR RELIANCE ON, THE GS PFM SERVICES; (B) THE USE, COPYING, OR DISPLAY OF THE GS PFM SERVICES OR THE TRANSMISSION OF INFORMATION TO OR FROM THE GS PFM SERVICES OVER THE INTERNET; (C) GS PFM’S PERFORMANCE OF, OR FAILURE TO PERFORM, ITS OBLIGATIONS IN CONNECTION WITH THESE TERMS AND CONDITIONS OF USE; (D) ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT BY YOU, OTHER USERS OF THE GS PFM SERVICES, OR OTHER THIRD PARTIES; (E) YOUR PURCHASE AND USE OF ANY GOODS OR SERVICES PROVIDED BY GS PFM OR ANY THIRD PARTY; OR (F) THE AVAILABILITY, RELIABILITY, ACCURACY, TIMELINESS, OR QUALITY OF ANY SERVICES OFFERED, MADE AVAILABLE, PROVIDED, OR ACCEPTED BY YOU OR ANY THIRD PARTY, IN CONNECTION WITH THE GS PFM SERVICES OR ITS USE. UNDER NO CIRCUMSTANCES SHALL GS PFM, OR ITS CONTRACTORS, SUPPLIERS, CONTENT-PROVIDERS, AND OTHER SIMILAR ENTITIES, OR THE OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS OF EACH OF THE FOREGOING, BE LIABLE TO YOU OR ANY OTHER THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, PUNITIVE, SPECIAL, OR SIMILAR DAMAGES OR COSTS (INCLUDING, BUT NOT LIMITED TO, LOST PROFITS OR DATA, LOSS OF GOODWILL, LOSS OF OR DAMAGE TO PROPERTY, LOSS OF USE, BUSINESS INTERRUPTION, AND CLAIMS OF THIRD PARTIES) ARISING OUT OF OR IN CONNECTION WITH THESE TERMS AND CONDITIONS OF USE, THE GS PFM SERVICES, OR ANYTHING DESCRIBED IN THE FOREGOING CLAUSES (A) THROUGH (F) OF THIS PARAGRAPH, OR ANY OTHER CAUSE BEYOND THE CONTROL OF GS PFM, EVEN IF GS PFM WAS ADVISED, KNEW, OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES OR COSTS. IN A JURISDICTION THAT DOES NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CERTAIN DAMAGES, THE AGGREGATE LIABILITY OF GS PFM AND ITS CONTRACTORS, SUPPLIERS, CONTENT-PROVIDERS, AND OTHER SIMILAR ENTITIES, AND THE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES, AND AGENTS OF EACH OF THE FOREGOING, SHALL BE LIMITED IN ACCORDANCE WITH THESE TERMS AND CONDITIONS OF USE TO THE FULLEST EXTENT PERMITTED BY LAW.
WITHOUT LIMITING ANY OF THE FOREGOING, IF GS PFM, ITS CONTRACTORS, SUPPLIERS, CONTENT-PROVIDERS, OR OTHER SIMILAR ENTITIES, OR ANY OF THE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES, OR AGENTS OF ANY OF THE FOREGOING, IS FOUND LIABLE TO YOU OR TO ANY THIRD PARTY AS A RESULT OF ANY CLAIMS OR OTHER MATTERS ARISING UNDER OR IN CONNECTION WITH THESE TERMS AND CONDITIONS OF USE, THE GS PFM SERVICES, SUCH PARTIES’ CUMULATIVE, AGGREGATE, AND MAXIMUM LIABILITY FOR ALL SUCH CLAIMS AND OTHER MATTERS IN ANY CALENDAR YEAR SHALL NOT EXCEED USD $100.
DESCRIPTIONS OF OR REFERENCES TO PRODUCTS, SERVICES, OR PUBLICATIONS WITHIN THE GS PFM SERVICES DO NOT IMPLY ENDORSEMENT OF THAT PRODUCT, SERVICE, OR PUBLICATION. GS PFM MAKES NO WARRANTY OF ANY KIND WITH RESPECT TO THE SUBJECT MATTER INCLUDED HEREIN OR THE PRODUCTS LISTED HEREIN. GS PFM SPECIFICALLY DISCLAIMS ALL WARRANTIES, EXPRESSED, IMPLIED, OR OTHERWISE.
GS PFM reserves the right to do any of the following at any time without notice: (i) modify, suspend, or terminate operation of or access to the GS PFM Services, or any portion of the GS PFM Services, for any reason; (ii) modify or change the GS PFM Services, or any portion of the GS PFM Services, and any applicable policies or terms; and (iii) interrupt the operation of the GS PFM Services, or any portion of the GS PFM Services, as necessary to perform routine or non-routine maintenance, perform error correction, or make other changes.
GS PFM may update these Terms and Conditions of Use from time to time and may amend them at any time to incorporate additional terms specific to additional features, applications, opportunities, or services that we may make available on or through the GS PFM Services. All such updates and amendments are effective immediately upon notice thereof, which we may give by any means, including, but not limited to, by posting a revised version of these Terms and Conditions of Use on the GS PFM Web site. You should view these Terms and Conditions of Use often to stay informed of changes that may affect you, as your continued use of the GS PFM Services signifies your continuing consent to be bound by these Terms and Conditions of Use.
Any use or attempted use of the GS PFM Services (i) for any unlawful, unauthorized, fraudulent or malicious purpose, (ii) that could damage, disable, overburden, or impair any server, or the network(s) connected to any server, (iii) that could interfere with any other party’s use and enjoyment of the GS PFM Services, (iv) to gain unauthorized access to any other accounts, computer systems or networks connected to any server or systems through hacking, password mining or any other means, (v) to access systems, data or information not intended by GS PFM to be made accessible to a user, (vi) to attempt to obtain any materials or information through any means not intentionally made available by us, or (vii) for any use other than the purpose for which it was intended, is prohibited.
In addition, in connection with your use of the GS PFM Services, you agree you will not:
Any information, communications, or material of any type or nature that you submit to the GS PFM Services (or to any of our pages on a social media platform or other website) by email, posting, messaging, uploading, downloading, or otherwise (collectively, a “Submission”) is done at your own risk, as permitted by law.
GS PFM does not own any Submissions provided via the GS PFM Services. However, by inputting/submitting such Submissions you are granting GS PFM a nonexclusive, irrevocable, worldwide, sub-licenseable, transferable, perpetual, unlimited, assignable, fully paid up and royalty-free right to copy, publish, prepare derivative works of, distribute, process, analyze, use and commercialize, in any way now known or in the future discovered, such Submissions (or any Content or materials contained therein). All Submissions inputted/submitted by you is at your own risk and you hereby represent and warrant that you have the full legal right to so use such Submissions and that they, and any content or material contained therein, are not confidential or proprietary to any third party, nor are you using it in violation of any law or contractual restriction.
GS PFM neither actively monitors general use of the GS PFM Services under normal circumstances, nor exercises editorial control over any Submissions. However, GS PFM does reserve the right to monitor such Submissions or other use at any time as it deems appropriate and to remove any materials that, in GS PFM’s sole discretion, may be illegal, may subject GS PFM to liability, may violate these Terms and Conditions of Use, or are, in the sole discretion of GS PFM, inconsistent with GS PFM’s purpose for the GS PFM Services.
Certain features or services offered on or through the GS PFM Services may require you to open an account (including establishing a login ID and password). You agree to provide accurate, current and complete information when you open account and to promptly update your information when it changes. You are entirely responsible for maintaining the confidentiality of your account information, including your login ID and password, and for any and all activity that occurs under your account or login ID. You agree to notify GS PFM immediately upon learning of any unauthorized use of your account, login ID, or password or any other breach of security.
However, you may be held liable for losses incurred by GS PFM or any other user of or visitor to the GS PFM Services due to another person using your account, login ID, or password.
You may not use any other user’s account, login ID, or password at any time without the express permission and consent of the holder of that account, login ID, or password. GS PFM cannot and will not be liable for any loss or damage arising from your failure to comply with these obligations.
You agree, at your sole expense, to indemnify, defend and hold harmless GS PFM from and against all damages, costs, losses, liabilities, obligations, claims, demands, suits, actions, investigations, proceedings, causes of action, and expenses (including reasonable attorneys’ fees and court costs), as incurred and whether or not based on a third-party claim, arising out of or relating to (including in connection with any claim or action threatened or brought against GS PFM) the content, data, or information that you submit, post to, or transmit through the GS PFM Services or GS PFM, your access to and use of the Content, the GS PFM Services, and other materials, products, and services available on or through the GS PFM Services and GS PFM, your violation of these Terms and Conditions of Use, or your violation of any rights of another.
GS PFM reserves, and you grant to us, the right to assume exclusive defense and control of any matter subject to indemnification by you hereunder. All rights and duties of indemnification that are set forth herein shall survive termination of these Terms and Conditions of Use.
Without our express, prior, written permission, it is expressly prohibited to: (a) “frame” any portion of the GS PFM Services; (b) cause the hyperlink to the GS PFM Website, or any portion of the GS PFM Services, to be displayed in any way that is disparaging to GS PFM or any entity that is affiliated or associated with GS PFM; or (c) otherwise imply or state that any type of relationship or special arrangements exist with GS PFM and any other entity. You agree that you will promptly remove any hyperlink to the GS PFM Services upon the written request of GS PFM. In no event will you use any logo or trademark of GS PFM as a hyperlink “button”, or in any other manner, without GS PFM’s express written consent.
To the extent that any information, material, or functionality on the GS PFM Services is provided by third party content-providers (“Third Party Materials”), GS PFM has no editorial control or responsibility over such Third Party Materials. Therefore, any opinions, statements, products, services or other Third Party Materials are those of the applicable third party suppliers. GS PFM does not represent or endorse the accuracy or reliability of any opinion, statement or other information provided by any third party (including any Submissions), or represent or warrant that your use of any Third Party Materials will not infringe rights of third parties not owned by or affiliated with GS PFM.
If you provide to us any ideas, proposals, suggestions or other materials (“Feedback”), whether related to the Service or otherwise, you hereby acknowledge and agree such Feedback is not confidential, and your provision of such Feedback is gratuitous, unsolicited and without restriction, and does not place us under any fiduciary or other obligation.
Except as expressly provided for herein, these Terms and Conditions of Use do not confer any rights, remedies, or benefits upon any person or entity other than you and GS PFM. GS PFM may assign its rights and duties under these Terms and Conditions of Use at any time to any third party without notice. You may not assign these Terms and Conditions of Use without the prior written consent of GS PFM. These Terms and Conditions of Use shall be binding on and inure to the benefit of the parties hereto and their respective successors and assigns. You are responsible for complying with any and all laws of the jurisdiction from which you are accessing the GS PFM Services and any other jurisdiction whose laws apply to you or your actions. You agree that you will not access or use the GS PFM Services, the Content, or any other information or materials on the GS PFM Services in violation of the aforementioned laws or these Terms and Conditions of Use.
These Terms and Conditions of Use were last updated on March 30, 2020. Please check back periodically for updates and changes.