Welcome to Frame Financial Inc. ("Frame"), a personalized financial planning solution that helps you make better decisions with your money. You are a few minutes away from enjoying Frame's free financial planning software. Please take a few minutes to read the Terms of Service below.
By signing up for Frame Financial Inc. ("Frame"), you are agreeing to be bound by the following terms and conditions (the “Agreement”).
By accessing this website (the “Site”) and your custom digital financial plan (the "Plan"), you acknowledge these terms and conditions of use and agree to be bound by them.
Our goal is to provide you with a personalized financial planning solution so you can make the best decisions with your money. Our services (“Services”) are comprised of the following features, delivered to you through our Plan, marketing partners, and through communications with our professionals, as follows:
Your account information you provide is used to display your consolidated financial picture. Financial visualizations include various charts and other financial account data that we present to you, summarizing your financial life at a glance.
Your financial account information, along with optional personal and financial information you may provide, are used to generate financial insights. We utilize your stated assumptions or information you provide, to share important financial observations that can make you aware of your overall financial picture and opportunities to improve it.
Your financial account information, along with optional personal and financial information you may provide, are used to generate financial improvement suggestions. In some cases, through our Site or our Plan, we might refer a third party service to you. Frame cannot offer specific investment advice, and we will refer Site or Plan Users to our "Wealth Management Partners" who are licensed and registered to provide investment advice. In some cases, Frame collects a referral, affiliate, commission, or brokerage fee for referring and/or connecting you to our various partners. Frame isn't liable for any advice provided by seperate and/or third party companies, individuals, partners, or services.
You may be eligible to receive a free financial consultation from a financial planner. The consultation is optional for eligible Plan users or through our marketing partners, offered via solicitation from one of our professionals. A financial consultation is a personalized analysis of your financial situation, based on information gathered from your use of our Plan or interactively with a planner, to make you aware of potential risks and opportunities within your current financial situation. Your participation in this Service may result in an offer to receive our insurance service, or our Wealth Management Partner services, seperate from the free financial consultation Service itself. We refer to those who enroll in our Wealth Management Partner service, or Frame's insurance services as “Clients”.
This Terms of Service Agreement, along with any exhibits, disclosures, addendums or amendments hereto, as the same may be amended or modified from time to time (collectively, this “Agreement”) constitutes an agreement between you and us which sets forth the terms and conditions applicable to your access and use of our Plan and our other Services that we offer to you through the Plan or through our registered professionals. In this Agreement, we refer to those who use our Services collectively as “users”. Some of our Services are provided through Frame and others through companies affiliated with Frame. In addition, Frame provides certain insurance management services to Clients, which are set forth in separate agreements between Clients and Frame.
To become a user, you must complete an order form and create an account by providing first name and last name, email address, and any other information indicated as required. We may reject any order form or application for an account for any reason, in our sole discretion. You acknowledge that we will use the email address provided by you as the primary method for communication. You are responsible for keeping your account password secure. We cannot and will not be liable for any loss or damage arising from any failure to maintain the security of the account and password.
You are able to enter into legally binding contracts, and you agree that this Agreement legally binds you in the same manner that a signed, written, paper contract does. You may not use the Plan or Services in any manner or attempt to access the Plan or any Service if you are not willing to be bound and abide by this Agreement.
Your use of the Plan and related Services are offered free of charge. We may refer you to additional services, such as wealth management services provided by our wealth management partners, which you may elect to participate in or not, for a fee. Frame reserves the right, in its sole discretion, to amend or change it pricing policy for its current Services or any additional services that we may offer.
Either party may terminate this Agreement at any time, with or without cause, effective immediately upon written or electronic notice. Upon termination of this Agreement, all rights granted to you hereunder will immediately cease, including but not limited to the right to access the Account, unless otherwise determined in our sole discretion.
Confidentiality: You agree and understand that you are responsible for maintaining the confidentiality of your Account’s login information and password. You should also maintain appropriate anti-virus and anti-malware software on your computer, so that your Account login information is not compromised through your own negligence. If you receive evidence that someone has committed fraud by accessing your Account you must contact us IMMEDIATELY at email@example.com.
You agree that you will NOT do any of the following: (i) engage in behavior that will put your personal information at unnecessary risk, such as leaving, transmitting, or publishing your Login or passwords; (ii) use our Site, Plan, Services or any of your accounts for illegal purposes, (iii) use our Site, Plan, or Services to transmit anything that is unlawful, libelous, intended to harass or violate the rights of another; (iv) resell or make any commercial use of the Site, Plan or Services, as they are intended solely for your use as an end user; (v) reverse engineer or decompile any technology associated with the Site, Plan, or Services, including but not limited to any software applications; (vi) use any robot, spider, webcrawler, scraper, deep link or similar automated extraction or data gathering mechanism, program or tool to access, copy or monitor our Site, Plan, or Services or any portion thereof without our prior written consent; (vii) post or transmit any file or email which contains viruses, worms, Trojan horses or any other damaging or destructive elements; or (viii) create/register accounts or aggregate financial institutions with the Service through unauthorized means, including but not limited to, by using an automated device, script, bot, spider, crawler or scraper; ix) transfer or resell our Site, Plan, or Services.
Consent to Recording. You consent to the recording of any electronic or written correspondence and any or all telephone conversations between you, us and any of our Affiliates in connection with this Agreement or the Services and agree and understand that recordings may be submitted in evidence in any legal proceeding relating to this Agreement. For compliance and regulatory purposes, we reserve the right to keep an audit trail of all financial insights or advice that we provided to you.
THE SERVICES ARE PROVIDED “AS-IS” AND WE EXPRESSLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE.
NEITHER PARTY WILL HAVE ANY LIABILITY WITH RESPECT TO THE SERVICES OR OBLIGATIONS UNDER THIS AGREEMENT OR OTHERWISE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSSES OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES RESULTING IN ANY WAY FROM THE SERVICES. IN ANY EVENT, EACH PARTY’S LIABILITY UNDER THIS AGREEMENT FOR ANY REASON WILL BE LIMITED TO THE FEES PAID BY YOU DURING THE SIX MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM FOR DAMAGES. THIS LIMITATION APPLIES TO ALL CAUSES OF ACTION IN THE AGGREGATE, INCLUDING, BUT NOT LIMITED TO, BREACH OF CONTRACT, BREACH OF WARRANTY, NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATIONS, AND OTHER TORTS. THESE LIMITATIONS APPLY EVEN IF A PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATIONS APPLY TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.
This Agreement sets forth the entire agreement and supersedes any and all prior agreements, written or oral, of the parties with respect to the subject matter hereof. We reserve the right to update and change the Agreement prospectively by posting updates and changes at https://framefinancial.com. You are advised to check the Agreement from time to time for any updates or changes that may impact you. If a significant change is made, we will provide reasonable notice by email and an opportunity to terminate this Agreement if you do not agree with the change.
We reserve the right, in our sole discretion, to modify, alter or otherwise update these terms and conditions at any time and you agree to be bound by such modifications, alterations or updates. Any commentaries and information contained in the Site should not be considered personal investment advice. This web site is meant to help you improve your understanding of financial planning. Any information provided on the general public web site shouldn't be taken as legal, accounting, financial, insurance, borrowing, or tax advice, and it is not meant as an offer to sell you anything.
You represent and warrant that: (i) you are at least eighteen years of age; (ii) you have not previously been suspended or removed from the Site; and (iii) your use of the Site will be in compliance with these terms and conditions and all applicable laws and regulations. All information supplied by you or members of your household to Frame through the Site shall be true and accurate
Frame reserves the right to modify or discontinue the Site, or any feature previously made available via the Site, at any time without notice. Frame shall have no liability whatsoever on account of any change, suspension or termination of any account or the Site or of any feature previously made available via the Site.
By using the Services, you understand and acknowledge that the results you could obtain from information and financial insights provided by Frame cannot be guaranteed. All investments entail a risk of loss and you may lose money. You also understand that all investments are subject to various market, currency, economic, political, business and other risks. Investments, particularly those in international stocks and stocks of smaller companies, present numerous risks, can be very volatile and can result in a loss of principal. International investments include risks of currency fluctuation, political and economic instability and differences in financial reporting in addition to the risks present in domestic investments. Investments in smaller companies may involve greater risks than investments in larger, more mature companies. The value of debt securities frequently is reduced (sometimes dramatically) by increases in interest rates. While the financial insights we provide may assist in helping you manage your finances, you should consult with a professional investment advisor before making investment decisions or deciding on significant changes to your personal financial strategy.
At the sole discretion of Frame, and for select users only, insurance services may be offered or solicited through a personal advisor (“Personal Advisor”). All Personal Advisors are registered insurance advisors. Your election to become a Client is subject to your explicit enrollment and acceptance of a separate agreement; all such services are separate from the Plan and related Services defined within this Agreement.
You agree to indemnify, defend and hold us and any of our affiliates, partners, licensors and agents, and all of their officers, directors, employees, agents, information providers and licensors harmless from and against any and all third-party claims, damages, liability and costs (including attorneys’ fees and costs) incurred by any of these parties that arise out of or are caused by your use of our Site and/or our Plan, your violation of this Agreement, your infringement of any intellectual property rights, or violation by any user of your Account. In the event that there are third party claims against you for which you properly seek damages from us under this Agreement, or we are subject to any claim for which we have the right to be indemnified by you, we reserve the right at our expense in the case of claims by third parties against you, and at your expense in the case of claims for which we have the right to be indemnified by you, to assume the exclusive defense and control of any such claim, and you agree that in any event no such claim can be settled without our written consent.
We do not waive our rights by delaying or failing to exercise them at anytime. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, provincial, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected.