Terms And Conditions

Last modified: June 19, 2026

Table of Contents

  1. Acceptance
  2. Modifications to the Terms and Conditions and to the Bdollarsmart Website
  3. Definitions
  4. Bdollarsmart’s Duties
  5. Subscriber’s Duties
  6. Payment
  7. User Submissions
  8. Intellectual Property Ownership
  9. Term, Website Monitoring and Enforcement, Suspension, and Termination
  10. Disclaimers
  11. Indemnification
  12. Notification of Claimed Copyright Infringement
  13. Choice Of Law
  14. Dispute Resolution and Binding Arbitration
  15. Third-Party Websites
  16. Your Use of the Bdollarsmart Website and Account Set-Up and Security
  17. Entire Service Terms
  18. Knowing Consent and Authority to Consent
  19. Waiver
  20. Severability

 

1. Acceptance

These Terms and Conditions (“Terms”) constitute a legal agreement and are entered into by and between you (collectively “you,” “User,” or “Visitor”) and LT3 Innovations Inc. DBA Bdollarsmart (“Bdollarsmart,” “Bdollar$mart,” “we,” “us,” “our”). The following terms and conditions, together with any documents and/or additional terms that are expressly incorporated by reference (collectively, the “Agreement”), govern your access to and use of the Services, including any content, functionality, and services offered on or through https://bdollarsmart.com/ and the mobile application (collectively, the “Bdollarsmart Website”).

PLEASE READ THESE TERMS AND INDICATE YOUR ACCEPTANCE BY CLICKING THE “I AGREE TO THE TERMS AND CONDITIONS AND PRIVACY POLICY” BUTTON AT THE BOTTOM OF THIS WEB PAGE. ACCEPTANCE OF THESE TERMS MEANS THAT YOU ARE BOUND BY THESE TERMS AND ANY AMENDMENTS THERETO AFTER THIS DATE.

 

2. Modifications to the Terms and Conditions and to the Bdollarsmart Website

We reserve the right in our sole discretion to revise and update the Terms from time to time. Any and all such modifications are effective immediately upon posting and apply to all access to and continued use of the Bdollarsmart Website. You agree to periodically review the Terms in order to be aware of any such modifications, and your continued use shall constitute your acceptance of the modified Terms.

The information and material on this Bdollarsmart Website may be changed, withdrawn, or terminated at any time in our sole discretion without notice. We will not be liable if, for any reason, any part of the Services is unavailable at any time or for any period.

 

3. Definitions

  • “Agent” refers to a person registered to use the Service after being granted legitimate access and usage by a Subscriber (i.e., has a valid User Name and Password), in accordance with the Website Terms and Privacy Policy.
  • “Subscriber” refers to a person that has purchased a subscription to access the Service and to grant access to its Agents to use the Service.
  • “Visitor” refers to a person that has not purchased a subscription or an Agent that has not been granted access by a Subscriber.
  • “User” refers to a person that accesses the Bdollarsmart Website and can include an Agent, Subscriber, or Visitor, as applicable.

 

4. Bdollarsmart’s Duties

  1. Bdollarsmart’s Services. Bdollarsmart is an online provider of financial tools to help financial professionals assist their clients and is available to Subscribers or Agents who are granted access by Subscribers through the Bdollarsmart Website (“Service”). The Service is for educational and training purposes only. The parties agree that the Service is simply a tool that accelerates meaningful dialogue and saves time. It is not meant to do anything beyond that purpose. Subscriber understands that the talking points created during the process may or may not ultimately apply to everyone, and the data collected during the process and while using the Bdollarsmart Website shall be governed by the applicable privacy policy. For clarity, Bdollarsmart is NOT a tax planning or investment advice tool.
  2. License Grant. Bdollarsmart grants you a nonexclusive, non-transferable, license without the right to sublicense, to use the Service and Bdollarsmart Website, and you agree to utilize the Service and Bdollarsmart Website for internal purposes only. The sole purpose of the Service is to create bullet points of interest and facilitate a conversation around personal finances.
  3. Agents. At any time during the subscription, Subscriber may add a limited number of authorized Agents to their subscription, thereby granting Agent-level access to the Service. The Agents will be granted access to use the Service as long as an Agreement is in place between Bdollarsmart and the Subscriber, and the Subscriber is not delinquent with payments due to Bdollarsmart.

i. Subscriber shall only add Agents who are:

    • Within Subscribers organization, hierarchy, and / or span of control (as applicable).
    • Appropriately qualified, licensed, and trained (as applicable).
    • In good standing with any related third parties upon which a relationship is required as part of the use of the Service (as applicable).

Prior to granting the Agent access to the Service, the Subscriber is solely responsible for validating an Agent’s suitability and is required to certify that they have validated the Agent’s suitability to be added to their subscription to the Service. At the time of adding an Agent, Subscriber shall be prompted to enter information on the Add Agent Page. The Add Agent Page will request the following information to the extent applicable:

    • Agent first and last names;
    • Agent cell phone number;
    • Agent email address;
    • Agent Solution Number (if applicable);
    • Agent CRD (if applicable)
  1. Electronic Delivery. By accepting these Terms, you agree and consent to receive electronically all communications, agreements, documents, notices and disclosures that we provide in connection with your use of the Bdollarsmart Website.
  2. Privacy. By submitting your personal information, completing a survey, accessing our Bdollarsmart Website or using our Service, you consent to the collection, use, reproduction, hosting, transmission, and disclosure of any such content submissions in compliance with our Privacy Policy, found at https://bdollarsmart.com/privacy-policy/ as we deem necessary for use of the Bdollarsmart Website.

 

5. Subscriber’s Duties

As a condition of your access to and use of the Bdollarsmart Website, you agree that you may use the Bdollarsmart Website only for lawful purposes and in accordance with these Terms, including but not limited to the following:

  1. Subscriber shall provide Bdollarsmart with truthful and factually accurate information, including but not limited to the credit card information Subscriber provides to Bdollarsmart’s third-party payment processor.
  2. Subscriber will not allow a third party to access the Bdollarsmart Website.

 

6. Payment

  1. Subscriber agrees to pay Bdollarsmart a fee either monthly or annually in an amount set forth in the Subscriber payment site. (Some subscribers will only have one payment option available to them). Please note that if you signed up at a discounted or promotional rate, your subscription will automatically renew at the then-current standard rate unless stated otherwise in the offer terms.
    1. Monthly. If monthly payment is chosen, Subscriber shall pay a monthly fee to Bdollarsmart during the course of this Agreement. Subscriber acknowledges that the monthly fee is charged automatically on a recurring basis until Subscriber cancels their subscription. Subscriber is solely responsible for properly canceling their account. Subscriber shall provide Bdollarsmart with a credit card number, to which Bdollarsmart shall bill the monthly fee on the same day of every month during the course of this Agreement. Bdollarsmart reserves the right to increase the monthly fee and shall notify Subscriber no less than thirty (30) days prior to the date of the change should Bdollarsmart decide to alter the monthly fee.
    2. Annual. If annual payment is chosen, Subscriber shall pay an annual fee to Bdollarsmart during the course of this Agreement. Subscriber acknowledges that the annual fee is charged automatically on a recurring basis until Subscriber cancels their subscription. Subscriber is solely responsible for properly canceling their account. Subscriber shall provide Bdollarsmart with a credit card number, to which Bdollarsmart shall bill the annual fee on the same day of every year during the course of this Agreement. Bdollarsmart reserves the right to increase the annual fee and shall notify Subscriber no less than thirty (30) days prior to the date of the change should Bdollarsmart decide to alter the annual fee.
  2. Length of Agreement. The parties agree that Subscriber may determine the length of the term of this Agreement. Subscriber shall indicate his or her assent to this Agreement by allowing Bdollarsmart to charge Subscriber’s credit card on either a monthly or annual basis according to the payment terms selected on the Subscriber Payment Site. Subscriber shall notify Bdollarsmart in writing, by phone, or by email of Subscriber’s desire to terminate this Agreement before the next scheduled billing date. Bdollarsmart does reserve the right to terminate this Agreement immediately without notice should Subscriber violate the Rules of Conduct. Bdollarsmart reserves the right to terminate this Agreement for any reason at Bdollarsmart’s discretion, provided that Bdollarsmart shall notify Subscriber by email of its intent to terminate this Agreement no less than thirty (30) days in advance of the effective termination date.
  3. Refunds. If monthly payment is chosen, you are entering into a monthly subscription contract that automatically renews every month unless canceled before the next payment date. If annual payment is chosen, you are entering into a yearly subscription contract that automatically renews every twelve (12) months unless canceled before the next payment date. You are solely responsible for paying for the entire subscription and for canceling the account before the next scheduled payment date.
  4. Credit Card. If a credit card payment is declined for a renewal period, Bdollarsmart will continue to retry for payment, if allowed by the credit card vendor, 4-5 times throughout forty-five (45) days. If the credit card cannot be processed within seven (7) days, then the subscription will be suspended with no account access being allowed until payment is successful. Bdollarsmart shall have the right to cancel the subscription if the payment on the account is more than thirty (30) days delinquent.
  5. Free Trial. From time to time, we may offer a free trial of the Service for a specified period (“Free Trial”). Eligibility for a Free Trial is determined at our sole discretion, and we may limit the availability of Free Trials to new Subscribers or other qualifying users. The Free Trial period will begin on the date you register and will continue for the stated number of days, unless terminated earlier in accordance with these Terms. At the end of the Free Trial period, unless you cancel your subscription before the trial ends, your designated payment method will automatically be charged the applicable subscription fee for the next billing cycle. To avoid charges, you must cancel your subscription through the billing portal in your account settings page or in writing to our support email before the Free Trial period expires. Free Trials are limited to one per person or payment method. We reserve the right to modify or terminate any Free Trial offer at any time without notice.
  6. Disputes: You agree to pay all applicable fees in accordance with the billing terms in effect at the time the charges become payable. If you believe you have been billed in error, you must contact us in writing within fifteen (15) days of the billing date. We will review your claim and, if determined valid, will issue an appropriate adjustment or refund. You agree not to initiate any credit card chargeback or payment dispute without first giving us the opportunity to resolve the matter directly. If you initiate a chargeback or payment dispute without contacting us first, we may suspend or terminate your access to the Service until the dispute is resolved.
  7. Taxes. Subscriber shall pay any sales, use, excise, value-added, gross receipts, services, labor-related, consumption, and other similar taxes or surcharges, however designated, that are levied by any taxing authority in connection with the provision or use of the Services under this Agreement. If, at any time during the Term of this Agreement, Bdollar$mart believes that it is required by law to collect any new or additional taxes for which Subscriber would be responsible for paying, Bdollar$mart shall notify Subscriber of such taxes, collect such taxes directly from Subscriber, and remit such taxes to the appropriate governmental authority. If any taxing authority determines at any time that Bdollar$mart has incorrectly determined any tax liability regarding taxes for which Subscriber is responsible pursuant to this Agreement, Bdollar$mart shall have the right to invoice Subscriber for such taxes determined by such taxing authority to be due and owing.

 

7. User Submissions

Your provision of registration information and any submissions you make to the Bdollarsmart Website through any functionality such as applications, chat rooms, email, message boards, personal or interest group web pages, profiles, forums, bulletin boards, and other such functions (collectively, “Interactive Functions”) constitutes your consent to all actions we take with respect to such information consistent with our Privacy Policy, found at https://bdollarsmart.com/privacy-policy/. The following content standards apply to any and all content, material, and information a User submits, posts, publishes, displays, or transmits (collectively, “submit”) to the Bdollarsmart Website or to other Users or persons (collectively, “User Submissions”) and any and all Interactive Functions. Any and all User Submissions must also comply with all applicable federal, provincial, local, and international laws, regulations, and terms of service. Without limiting the foregoing, you warrant and agree that your use of the Bdollarsmart Website and any User Submissions shall not:

  • In any manner violate any applicable federal, provincial, local, or international law or regulation including, without limitation, any laws regarding the export of data or software, patent, trademark, trade secret, copyright, or other intellectual property, legal rights (including the rights of publicity and privacy of others) or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms and our Privacy Policy found at https://bdollarsmart.com/privacy-policy/.
  • In any manner violate the terms of use of any third-party website that is linked to the Bdollarsmart Website, including but not limited to, any third-party social media website.
  • Include or contain any material that is exploitive, obscene, harmful, threatening, abusive, harassing, hateful, defamatory, sexually explicit or pornographic, violent, inflammatory, or discriminatory based on race, sex, religion, nationality, disability, sexual orientation, or age or other such legally prohibited ground or be otherwise objectionable, such determination to be made in Bdollarsmart’s sole discretion.
  • Involve stalking, attempting to exploit or harm any individual (including minors) in any way by exposing them to inappropriate content or otherwise or ask for personal information as prohibited under applicable laws, regulations, or code.
  • Involve, provide, or contribute any false, inaccurate, or misleading information.
  • Impersonate or attempt to impersonate the Bdollarsmart, a Bdollarsmart employee, another User, or any other person or entity (including, without limitation, by using email addresses or screen names associated with any of the foregoing).
  • Transmit, or procure the sending of, any advertisements or promotions, sales, or encourage any other commercial activities, including, without limitation, any “spam”, “junk mail”, “chain letter”, contests, sweepstakes and other sales promotions, barter, or advertising or any other similar solicitation.
  • Encourage any other conduct that restricts or inhibits anyone’s use or enjoyment of the Bdollarsmart Website, or which, as determined by us, may harm the Bdollarsmart or Users of the Bdollarsmart Website or expose them to liability.
  • Promote any illegal activity, or advocate, promote, or assist any unlawful act.

 

8. Intellectual Property Ownership

  1. User recognizes that the entire content of the Bdollarsmart Website is Bdollarsmart’s copyrighted and trademarked intellectual property. User shall not copy or distribute any material presented on the Bdollarsmart Website. Users are not permitted to modify copies of any materials from this Bdollarsmart Website nor delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from this site. You must not access or use for any commercial purposes any part of the Bdollarsmart Website or any services or materials available through the Bdollarsmart Website.
  2. If you print off, copy, or download any part of our Bdollarsmart Website in breach of these Terms for commercial use, your right to use the Bdollarsmart Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. You have no right, title, or interest in or to the Website or to any content on the Bdollarsmart Website, and all rights not expressly granted are reserved by the Bdollarsmart. Any use of the Bdollarsmart Website not expressly permitted by these Terms is a breach of these Terms and may infringe or violate copyright, trademark, and other intellectual property or other proprietary laws.

 

9. Term, Website Monitoring and Enforcement, Suspension, and Termination

These Terms will commence when the User clicks the “Accept” button and will remain in effect unless terminated in accordance with the terms of these Terms (“Term”). Bdollarsmart has the right, without provision of notice, to:

  1. At all times, take such actions with respect to any User Submission deemed necessary or appropriate in our sole discretion, including, without limitation, for violating these Terms.
  2. Take appropriate legal action, including, without limitation, referral to law enforcement or regulatory authority, or notifying the harmed party of any illegal or unauthorized use of the Bdollarsmart Website. Without limiting the foregoing, we have the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Bdollarsmart Website.
  3. Terminate or suspend your access to all or part of the Bdollarsmart Website for any or no reason, including, without limitation, any violation of these Terms.
  4. YOU WAIVE AND HOLD HARMLESS BDOLLARSMART FROM ANY AND ALL CLAIMS RESULTING FROM ANY ACTION TAKEN BY BDOLLARSMART RELATING TO ANY INVESTIGATIONS BY EITHER BDOLLARSMART OR BY LAW ENFORCEMENT AUTHORITIES.
  5. We have no obligation, nor any responsibility to any party to monitor the Bdollarsmart Website or its use, and do not and cannot undertake to review material that Users submit to the Bdollarsmart Website. We cannot ensure prompt removal of objectionable material after it has been posted and we have no liability for any action or inaction regarding transmissions, communications, or content provided by any User or third party, subject to applicable laws.

 

10. Disclaimers

  1. THE SERVICES PROVIDED BY BDOLLARSMART ARE PROVIDED “AS IS”, WITHOUT WARRANTY OF ANY KIND TO USER OR ANY THIRD PARTY, INCLUDING, BUT NOT LIMITED TO, ANY AND ALL IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF: 1) MERCHANTABILITY; 2) FITNESS FOR PARTICULAR PURPOSE; 3) EFFORT TO ACHIEVE PURPOSE; 4) QUALITY; 5) ACCURACY; 6) NON-INFRINGEMENT; 7) TITLE; 8) MARKETABILITY; 9) PROFITABILITY; 10) SUITABILITY; AND/OR 11) ANY TYPE ARISING FROM COURSE OF PERFORMANCE, COURSE OF DEALING OR USAGE OF TRADE. USER AGREES THAT ANY EFFORTS BY BDOLLARSMART TO MODIFY ITS GOODS OR SERVICES SHALL NOT BE DEEMED A WAIVER OF THESE LIMITATIONS, AND THAT ANY BDOLLARSMART WARRANTIES SHALL NOT BE DEEMED TO HAVE FAILED OF THEIR ESSENTIAL PURPOSE. USER FURTHER AGREES THAT BDOLLARSMART SHALL NOT BE LIABLE TO USER OR ANY THIRD PARTY FOR ANY LOSS OF PROFITS, LOSS OF USE, INTERRUPTION OF BUSINESS, OR ANY DIRECT, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND WHETHER UNDER THESE TERMS OR OTHERWISE, EVEN IF BDOLLARSMART WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR WAS GROSSLY NEGLIGENT. SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, AND, AS SUCH, SOME PORTION OF THE ABOVE LIMITATION MAY NOT APPLY TO USER. IN SUCH JURISDICTIONS, BDOLLARSMART’S LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
  2. User recognizes that the traffic of data through the Internet may cause delays during the download of information from the Bdollarsmart Website and shall not hold Bdollarsmart liable for delays which are ordinary in the course of Internet use. User recognizes that the Bdollarsmart Website may not be available on a continual twenty-four-hour basis due to such delays and due to delays caused by Bdollarsmart’s upgrading, modification, or standard maintenance of the Bdollarsmart Website.

 

11. Indemnification

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless the Bdollarsmart, its parent, subsidiaries, affiliates, and their respective directors, officers, employees, agents, service providers, contractors, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable legal fees) arising out of or relating to your breach of these Terms or your use of the Bdollarsmart Website, including, but not limited to, your User Submissions, third-party sites, any use of the Bdollarsmart Website’s content, services, and products other than as expressly authorized in these Terms.

 

12. Notification of Claimed Copyright Infringement

We take claims of copyright infringement seriously. We will respond to notices of alleged copyright infringement that comply with applicable law. If you believe any materials accessible on or from the Bdollarsmart Website infringe your copyright, you may request removal of those materials (or access to them) from the Bdollarsmart Website by submitting written notification to our copyright agent designated below. In accordance with the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act (17 U.S.C. § 512) (“DMCA”), the written notice (the “DMCA Notice”) must include substantially the following:

  1. Your physical or electronic signature.
  2. Identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on the Bdollarsmart Website, a representative list of such works.
  3. Identification of the material you believe to be infringing in a sufficiently precise manner to allow us to locate that material.
  4. Adequate information by which we can contact you (including your name, postal address, telephone number, and, if available, email address).
  5. A statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent, or the law.
  6. A statement that the information in the written notice is accurate.
  7. A statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

Pursuant to Section 512(c) of the Copyright Revision Act, as enacted through the Digital Millennium Copyright Act, Bdollarsmart designates the following individual as its agent for receipt of notifications of claimed copyright infringement.

By Mail: LT3 Innovations, Inc.
8700 Monrovia St, Suite 310
Lenexa, KS 66215
By Email: [email protected]

If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your DMCA Notice may not be effective.

Please be aware that if you knowingly materially misrepresent that material or activity on the Bdollarsmart Website is infringing your copyright, you may be held liable for damages (including costs and attorneys’ fees) under Section 512(f) of the DMCA.

 

13. Choice Of Law

These Terms shall be construed and controlled by the laws of the State of Kansas. Any dispute concerning or breach of the terms of these Terms will be governed by the laws of the State of Kansas without regard to its conflicts of law provisions.

 

14. Dispute Resolution and Binding Arbitration

  1. YOU AND BDOLLARSMART ARE AGREEING TO GIVE UP ANY RIGHTS TO LITIGATE CLAIMS IN A COURT OR BEFORE A JURY, OR TO PARTICIPATE IN A CLASS ACTION OR REPRESENTATIVE ACTION WITH RESPECT TO A CLAIM. OTHER RIGHTS THAT YOU WOULD HAVE IF YOU WENT TO COURT MAY ALSO BE UNAVAILABLE OR MAY BE LIMITED IN ARBITRATION. ANY CLAIM, DISPUTE, OR CONTROVERSY (WHETHER IN CONTRACT, TORT, OR OTHERWISE, WHETHER PRE-EXISTING, PRESENT, OR FUTURE, AND INCLUDING STATUTORY, CONSUMER PROTECTION, COMMON LAW, INTENTIONAL TORT, INJUNCTIVE AND EQUITABLE CLAIMS) BETWEEN YOU AND US ARISING FROM OR RELATING IN ANY WAY TO THE TECHNOLOGY OR SITE, WILL BE RESOLVED EXCLUSIVELY AND FINALLY BY BINDING ARBITRATION.
  1. The arbitration will be administered by the American Arbitration Association (”AAA”) in accordance with the Consumer Arbitration Rules (the “AAA Rules”) then in effect, except as modified by this Section. (The AAA Rules are available at https://www.adr.org/arb_med or by calling the AAA at 1-800-778-7879.) The Federal Arbitration Act will govern the interpretation and enforcement of this section.
  1. The arbitrator will have exclusive authority to resolve any dispute relating to arbitrability and/or enforceability of this arbitration provision, including any unconscionability challenge or any other challenge that the arbitration provision or the Terms are void, voidable, or otherwise invalid. The arbitrator will be empowered to grant whatever relief would be available in court under law or in equity. Any award of the arbitrator(s) will be final and binding on each of the parties and may be entered as a judgment in any court of competent jurisdiction.
  1. You agree to arbitration on an individual basis. In any dispute, NEITHER YOU NOR BDOLLARSMART WILL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS BY OR AGAINST OTHER CUSTOMERS IN COURT OR IN ARBITRATION OR OTHERWISE PARTICIPATE IN ANY CLAIM AS A CLASS REPRESENTATIVE, CLASS MEMBER OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. The arbitral tribunal may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative or class proceeding. The arbitral tribunal has no power to consider the enforceability of this class arbitration waiver and any challenge to the class arbitration waiver may only be raised in a court of competent jurisdiction. If any provision of this arbitration Terms is found unenforceable, the unenforceable provision will be severed, and the remaining arbitration terms will be enforced.

 

15. Third-Party Websites

For your convenience, this Bdollarsmart Website may provide links or pointers to third-party sites. We make no representations about any other websites that may be accessed from the Bdollarsmart Website. If you choose to access any such sites, you do so at your own risk. We have no control over the contents of any such third-party sites and accept no responsibility for such sites or for any loss or damage that may arise from your use of them. You are subject to any terms and conditions of such third-party sites.

 

16. Your Use of the Bdollarsmart Website and Account Set-Up and Security

  1. The security of your personal information is very important to us. We use physical, electronic, and administrative measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure.
  2. The safety and security of your information also depends on you. Users are responsible for obtaining their own access to the Bdollarsmart Website. Users are required to ensure that all persons who access the Bdollarsmart Website through a User’s internet connection are aware of these Terms and comply with them. The Bdollarsmart Website, including content or areas of the Bdollarsmart Website, may require registration. It is a condition of your use of the Bdollarsmart Website that all the information you provide on the Bdollarsmart Website is correct, current, and complete.
  3. Unfortunately, the transmission of information via the Internet is not completely secure. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Bdollarsmart Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Bdollarsmart Website.
  4. Any Username, password, or any other piece of information chosen by you, or provided to you as part of our security procedures, must be treated as confidential, and you must not disclose it to any other person or entity. You must exercise caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. You understand and agree that should you be provided an account, your account is personal to you and you agree not to provide any other person with access to this Bdollarsmart Website or portions of it using your Username, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your Username or password or any other breach of security. You also agree to ensure that you logout from your account at the end of each session. You are responsible for any password misuse or any unauthorized access.
  5. You are prohibited from attempting to circumvent and from violating the security of this Bdollarsmart Website, including, without limitation: (a) accessing content and data that is not intended for you; (b) attempting to breach or breaching the security and/or authentication measures which are not authorized; (c) restricting, disrupting, or disabling service to Users, hosts, servers, or networks; (d) illicitly reproducing TCP/IP packet header; (e) disrupting network services and otherwise disrupting Bdollarsmart Website owner’s ability to monitor the Bdollarsmart Website; (f) using any robot, spider, or other automatic device, process, or means to access the Bdollarsmart Website for any purpose, including monitoring or copying any of the material on the Bdollarsmart Website; (g) introducing any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful; (h) attacking the Bdollarsmart Website via a denial-of-service attack, distributed denial-of-service attack, flooding, mailbombing, or crashing; and (i) otherwise attempting to interfere with the proper working of the Bdollarsmart Website.

 

17. Entire Terms

These Terms supersede any and all other terms, either oral or in writing, between the parties with respect to the matters stated herein, and these Terms contain all of the covenants and agreements between the parties with respect thereto.

 

18. Knowing Consent and Authority to Consent

The parties knowingly and expressly consent to these Terms. Each party is authorized to enter into these Terms on behalf of its respective entity.

 

19. Waiver

No failure to exercise, or delay in exercising, any right, remedy, power, or privilege arising from these Terms operates, or may be construed, as a waiver thereof; and no single or partial exercise of any right, remedy, power, or privilege hereunder precludes any other or further exercise thereof or the exercise of any other right, remedy, power, or privilege.

 

20. Severability

If any term or provision of these Terms is invalid, illegal, or unenforceable in any jurisdiction, such invalidity, illegality, or unenforceability shall not affect any other term or provision of these Terms or invalidate or render unenforceable such term or provision in any other jurisdiction.

 

[THE “I AGREE TO THE TERMS & CONDITIONS” BUTTON. THIS BUTTON SHALL THEN DOWNLOAD THE INFORMATION ENTRY PAGE TO THE USER’S COMPUTER]