1. ACCEPTANCE OF TERMS

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and SpendByValues.com ("Company," "we," "us," or "our") governing your access to and use of the SpendByValues.com website, the Values Alignment Calculator, all related tools, content, features, and services (collectively, the "Service").

By accessing or using the Service in any manner, including but not limited to visiting or browsing the website, submitting information through the calculator, or receiving results or communications from us, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy (incorporated herein by reference), and all applicable laws and regulations.

If you are using the Service on behalf of an organization or entity, you represent and warrant that you have the authority to bind that organization to these Terms, and references to "you" include both you and that organization.

We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Last Updated" date at the top of this page and, where reasonably practicable, provide notice via email or a prominent website notice. Your continued use of the Service following any modification constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must discontinue use of the Service immediately.

2. DESCRIPTION OF THE SERVICE

SpendByValues.com provides an online interactive tool known as the Values Alignment Calculator, which allows users to explore how their stated spending habits and brand preferences may correlate with certain personal, political, or social values as defined by the Company's internal analytical models.

The Service is provided for informational and educational purposes only. The Values Alignment Calculator generates scores and insights based solely on user-submitted responses and internal scoring models developed by SpendByValues.com. Results are illustrative and analytical in nature only.

The Service does not constitute and should not be relied upon as financial, investment, legal, tax, political, professional, or any other form of regulated advice. No results generated by the Service create any professional-client relationship between you and the Company or any third party.

The Company makes no representation that the values positions attributed to any brand, company, or organization are complete, current, or accurate. Brand assessments reflect the Company's internal analytical methodology and are not verified, endorsed, or approved by the brands described.

3. ELIGIBILITY AND MINIMUM AGE

The Service is intended solely for users who are 18 years of age or older. By accessing or using the Service, you represent and warrant that:

You are at least 18 years of age;
You have the legal capacity to enter into a binding contract in your jurisdiction;
You are not prohibited from using the Service under any applicable law; and
All information you provide to us is accurate, current, and complete.

If you are under 18 years of age, you are not permitted to use the Service, and any use by a minor is in violation of these Terms. We reserve the right to terminate accounts or access that we reasonably believe are held by or on behalf of minors.

4. PERMITTED AND PROHIBITED USES

4.1 Permitted Uses

Subject to these Terms, you may access and use the Service for your personal, non-commercial use to explore values alignment insights generated by the calculator.

4.2 Prohibited Uses

You agree that you will not, under any circumstances:

Use the Service for any unlawful purpose or in violation of any applicable federal, state, local, or international law or regulation;
Use the Service to defame, harass, abuse, threaten, stalk, or otherwise harm any individual or entity;
Impersonate any person or entity, or falsely represent your identity or affiliation;
Use automated tools, bots, scrapers, spiders, crawlers, or similar technology to access, monitor, copy, or extract data from the Service without our prior written consent;
Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Service, including calculator results or brand assessments, for any commercial purpose without our express written permission;
Attempt to gain unauthorized access to any part of the Service, its servers, systems, or databases;
Introduce viruses, trojan horses, malware, ransomware, or any other harmful or disruptive code into the Service;
Interfere with or disrupt the integrity, performance, or availability of the Service or its infrastructure;
Reverse engineer, decompile, disassemble, or attempt to derive source code from any part of the Service;
Collect or harvest personal information of other users without their consent;
Use the Service in any manner that could damage our reputation or the reputation of any brand, company, or individual; or
Circumvent, disable, or otherwise interfere with security-related features of the Service.

Violations of these prohibitions may result in immediate termination of your access to the Service and may subject you to civil and/or criminal liability.

5. EMAIL REGISTRATION AND COMMUNICATIONS

5.1 Email Submission

In order to receive Values Alignment Calculator results or access certain features of the Service, you may be required to provide a valid email address. By submitting your email address, you represent that you are the authorized user of that email address and that you consent to receiving communications from us as described herein.

5.2 Types of Communications

By submitting your email address through the Service, you expressly consent to receiving the following types of communications from SpendByValues.com and its authorized partners:

Transactional messages, including your calculator results and service-related notifications;
Marketing and promotional communications about the Service, including updates, new features, and announcements;
Sponsored content, partner offers, and recommendations for products, services, organizations, or companies that may align with the values profile reflected in your calculator results;
Periodic newsletters and educational content related to brand values and consumer spending; and
Communications from third-party partners whose products or services may be relevant to your stated values.

Important: Some communications you receive may be sponsored by third parties, including companies or organizations whose products or services are recommended based on your values alignment results. Such communications may be commercial in nature. See Section 7 (Sponsored Content and Advertising) for additional details.

5.3 CAN-SPAM and Commercial Email Compliance

All commercial email communications from SpendByValues.com will comply with the requirements of the CAN-SPAM Act and other applicable laws, including clear identification as commercial messages and accurate sender information. Each commercial email will include a mechanism to opt out of future commercial messages.

5.4 Unsubscribe

You may opt out of receiving marketing and commercial email communications at any time by clicking the unsubscribe link included in each such email or by contacting us at support@spendbyvalues.com. Please note that even after unsubscribing from marketing communications, you may continue to receive transactional or service-related messages. Opt-out requests will be honored within ten (10) business days.

6. INTELLECTUAL PROPERTY

6.1 Our Intellectual Property

All content, materials, features, and functionality available through the Service, including but not limited to text, graphics, logos, icons, images, data, software, analytical models, scoring methodologies, brand assessments, user interface elements, and the overall design and compilation of the Service (collectively, "Our Content"), are the exclusive property of SpendByValues.com or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

The SpendByValues.com name, logo, and all related marks, trade names, and service marks are trademarks of SpendByValues.com. You may not use these marks without our prior written consent.

6.2 Limited License to You

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service and view Our Content solely for your personal, non-commercial purposes. This license does not include the right to:

Reproduce, modify, distribute, publicly display, or create derivative works based on Our Content;
Use Our Content for commercial purposes or in connection with any other product or service; or
Remove or alter any copyright, trademark, or other proprietary notices contained in Our Content.

6.3 Your Submissions

By submitting information through the Service, including survey responses and email addresses, you grant us a worldwide, royalty-free, perpetual, irrevocable, non-exclusive license to use, process, store, analyze, aggregate, and display that information in connection with operating and improving the Service, subject to our Privacy Policy.

You retain ownership of your personal data. The license granted above does not entitle us to sell your identifiable personal information to third parties. See our Privacy Policy for how we handle personal data.

7. SPONSORED CONTENT AND ADVERTISING

The Service may display sponsored content, affiliate links, partner recommendations, or advertisements for products, services, organizations, or companies ("Sponsored Content"). SpendByValues.com may receive monetary compensation, commissions, referral fees, or other benefits when users view, click on, or engage with Sponsored Content.

Sponsored Content may be presented to you based on your values alignment results, stated preferences, or other analytical factors. Sponsored Content will be identified as such where required by applicable law, including FTC guidelines on endorsements and testimonials.

SpendByValues.com does not endorse any third-party products, services, or organizations featured in Sponsored Content. You interact with Sponsored Content at your own risk, and SpendByValues.com is not responsible for any transactions, representations, or obligations between you and third-party advertisers or partners.

If you believe Sponsored Content has been presented to you in a misleading way, please contact us at support@spendbyvalues.com.

8. ACCURACY AND DISCLAIMERS

THE SERVICE AND ALL CONTENT, RESULTS, AND MATERIALS GENERATED THEREBY ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SPENDBYVALUES.COM EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT;
WARRANTIES THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS;
WARRANTIES REGARDING THE ACCURACY, COMPLETENESS, RELIABILITY, TIMELINESS, OR SUITABILITY OF ANY RESULTS, BRAND ASSESSMENTS, OR CONTENT; AND
WARRANTIES THAT DEFECTS IN THE SERVICE WILL BE CORRECTED.

Brand assessments and scoring results depend on the information you provide and internal analytical models that may not reflect the most current corporate positions, political donations, or business practices of any described brand. Users should independently verify any information before making decisions based on calculator results.

9. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SPENDBYVALUES.COM, ITS AFFILIATES, OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

Loss of profits, revenue, data, goodwill, or other intangible losses;
Errors, inaccuracies, or omissions in calculator results or brand assessments;
Unauthorized access to or use of our servers and/or personal information stored therein;
Interruptions in service or transmission to or from the Service;
Bugs, viruses, or other harmful code transmitted through the Service; or
Decisions made in reliance on results, recommendations, or content provided through the Service.

IN JURISDICTIONS THAT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

IN ALL CASES, OUR AGGREGATE LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) $50 OR (B) THE TOTAL AMOUNT, IF ANY, PAID BY YOU TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

10. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless SpendByValues.com and its affiliates, owners, officers, directors, employees, agents, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

Your use of or access to the Service;
Your violation of these Terms;
Your violation of any applicable law, regulation, or third-party right, including intellectual property rights; or
Any content or information you submit through the Service.

We reserve the right to assume exclusive control of the defense of any matter subject to indemnification by you, in which case you agree to cooperate with our defense of such claim at your expense.

11. DISPUTE RESOLUTION AND ARBITRATION

11.1 Informal Resolution First

Before initiating any formal legal proceeding, you agree to first contact us at support@spendbyvalues.com and provide a written description of the dispute, your desired resolution, and your contact information. We will attempt to resolve the dispute informally within thirty (30) days. If we cannot resolve the dispute informally, either party may proceed to arbitration as set forth below.

11.2 Binding Arbitration

EXCEPT FOR CLAIMS THAT QUALIFY FOR SMALL CLAIMS COURT, YOU AND SPENDBYVALUES.COM AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL BE RESOLVED EXCLUSIVELY BY FINAL AND BINDING ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION ("AAA") UNDER ITS CONSUMER ARBITRATION RULES, RATHER THAN IN COURT.

The arbitration shall be conducted in English. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

11.3 Class Action Waiver

YOU AND SPENDBYVALUES.COM EACH AGREE THAT CLAIMS MAY ONLY BE BROUGHT IN YOUR OR OUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims.

11.4 Exceptions

Notwithstanding the foregoing, either party may bring an individual action in small claims court, and either party may seek emergency injunctive relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration.

11.5 Opt-Out

You may opt out of the arbitration agreement by sending written notice to support@spendbyvalues.com within thirty (30) days of first using the Service. Your notice must include your name, email address, and a clear statement that you wish to opt out of arbitration.

12. GOVERNING LAW AND JURISDICTION

These Terms shall be governed by and construed in accordance with the laws of the State of [YOUR STATE], without giving effect to any conflict of law principles. To the extent any dispute is not subject to arbitration under Section 11, you consent to the exclusive jurisdiction of the state and federal courts located in [YOUR COUNTY], [YOUR STATE].

ACTION REQUIRED: Replace [YOUR STATE] and [YOUR COUNTY] with the state and county where SpendByValues.com is incorporated or primarily operates before publishing.

13. THIRD-PARTY LINKS AND SERVICES

The Service may contain links to or integrations with third-party websites, services, or resources that are not owned or controlled by SpendByValues.com. We have no control over and assume no responsibility for the content, privacy policies, data practices, or terms of service of any third-party sites or services.

Links to third-party websites do not constitute or imply our endorsement, recommendation, or approval of those websites or their content. You access third-party websites entirely at your own risk and subject to the terms of use and privacy policies of those websites.

14. MODIFICATION AND TERMINATION OF SERVICE

We reserve the right to modify, suspend, discontinue, or terminate the Service or any component thereof at any time, with or without notice, for any reason, including but not limited to maintenance, updates, or changes in our business practices. SpendByValues.com shall not be liable to you or any third party for any such modification, suspension, discontinuation, or termination.

We also reserve the right to terminate or suspend your access to the Service at any time, with or without cause and with or without notice, including if we believe you have violated these Terms.

15. MISCELLANEOUS

Entire Agreement: These Terms, together with the Privacy Policy and any other agreements expressly incorporated herein, constitute the entire agreement between you and SpendByValues.com with respect to the Service and supersede all prior agreements, understandings, and representations.

Severability: If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

Waiver: No waiver by SpendByValues.com of any right or provision of these Terms shall be deemed a further or continuing waiver of such right or provision. Our failure to enforce any right or provision shall not constitute a waiver of such right or provision.

No Third-Party Beneficiaries: These Terms do not and are not intended to confer any rights or remedies upon any person or entity other than you and SpendByValues.com.

Assignment: You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may freely assign our rights under these Terms without restriction.

Force Majeure: SpendByValues.com shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including acts of God, natural disasters, pandemic, war, terrorism, labor disputes, power outages, or internet service disruptions.

Contact: Questions regarding these Terms should be directed to: support@spendbyvalues.com

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