Terms of Service
Financial Lock WELCOMES YOU TO www.financiallock.com. WE ASK THAT YOU READ THE FOLLOWING
TRANSACTIONS THAT YOU ENGAGE IN THROUGH THIS SITE (AGREEMENT). BY ACCESSING, VIEWING, OR
USING THIS SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE WITH THESE
TERMS. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS, PLEASE DO NOT USE THIS SITE.
USE OF SITE
This website is provided solely for the use of current and future customers of Financial Lock to provide
you with information about our company, to permit you to place orders for our products and services,
and to enable you to contact us with any questions or comments that you may have. Any other use of
this site is prohibited. By way of example, you should not use any features of this site that permit
communications or postings to post, transmit, display, or otherwise communicate
- any defamatory, threatening, obscene, harassing, or otherwise unlawful information;
- any advertisement, solicitation, spam, chain letter, or other similar types of information;
- any encouragement of illegal activity;
- unauthorized use or disclosure of private, personally identifiable information of others; or any materials subject to trademark, copyright, or other laws protecting any materials or data of others in the absence of a valid license or other rights to do so.
SITE CONTENTS AND OWNERSHIP
The information contained on this site, including all images, designs, photographs, writings, graphs, data,
and other materials (Materials) are the property of Financial Lock and are protected by copyrights,
trademarks, trade secrets, or other proprietary rights. Permission is granted to display, copy, distribute,
download, and print portions of this site solely for the purposes of using this site for the authorized use
described above. You must retain all copyright and other proprietary notices on all copies of the
Contents. You shall comply with all copyright laws worldwide in your use of this website and prevent
unauthorized copying of the Contents. Except as provided in this Notice, Financial Lock does not grant
you any express or implied right in or under any patents, trademarks, copyrights, or trade secret
DISCLAIMER OF WARRANTY
You expressly agree that use of this website is at your sole risk. Neither Financial Lock, its affiliates, nor
any of their officers, directors, employees, agents, third-party content providers, or licensors
(collectively, “Providers”), or the like, warrant that this site will be uninterrupted or error-free; nor do
they make any warranty as to the results that may be obtained from the use of this site, or as to the
accuracy, completeness, reliability, security, or currency of the Materials.
The Materials may contain errors, omissions, inaccuracies, or outdated information. Further, Financial
Lock does not warrant reliability of any statement or other information displayed or distributed through
the site. Financial Lock reserves the right, in its sole discretion, to correct any errors or omissions in any
portion of the site. Financial Lock may make any other changes to this site, the Materials and the
products, programs, services, or prices (if any) described in this site at any time without notice.
THIS SITE AND THE INFORMATION, CONTENT, AND MATERIALS ON THIS SITE ARE PROVIDED ON AN “AS
IS,” WHERE IS,” AND “WHERE AVAILABLE” BASIS. Financial Lock MAKES NO REPRESENTATIONS OR
WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE, THE CONTENT,
INFORMATION, OR THE MATERIALS ON THIS SITE. TO THE FULLEST EXTENT PERMISSIBLE UNDER
APPLICABLE LAW, Financial Lock EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, OF ANY
KIND, WITH RESPECT TO ANY OF THE MATERIALS, CONTENT, OR INFORMATION ON THIS SITE OR ANY
GOODS OR OTHER PRODUCTS OR SERVICES OFFERED, SOLD, OR DISPLAYED ON THIS SITE OR YOUR USE
OF THIS SITE GENERALLY, INCLUDING WARRANTIES OF MERCHANTABILITY, ACCURACY OF
INFORMATION, QUALITY, TITLE, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
SOME JURISDICTIONS LIMIT OR DO NOT ALLOW THE DISCLAIMER OF IMPLIED OR OTHER WARRANTIES,
SO THE ABOVE DISCLAIMER MAY NOT APPLY TO THE EXTENT SUCH JURISDICTION’S LAW APPLIES TO
LIMITATION OF LIABILITIES
YOU AGREE THAT Financial Lock, AND ITS PROVIDERS SHALL NOT BE LIABLE FOR ANY DAMAGE, LOSS, OR
EXPENSE OF ANY KIND ARISING OUT OF OR RESULTING FROM YOUR POSSESSION OR USE OF THE
MATERIALS, CONTENT, OR INFORMATION ON THIS SITE REGARDLESS OF WHETHER SUCH LIABILITY IS
BASED IN TORT, CONTRACT, OR OTHERWISE. IN NO EVENT, INCLUDING, WITHOUT LIMITATION, A
NEGLIGENT ACT, SHALL Financial Lock OR ANY OF ITS PROVIDERS BE LIABLE TO YOU FOR ANY DIRECT,
INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING, WITHOUT
LIMITATION, LOSS OF PROFITS, LOSS OR CORRUPTION OF DATA, LOSS OF GOODWILL, WORK STOPPAGE,
COMPUTER FAILURE OR MALFUNCTION, OR INTERRUPTION OF BUSINESS), ARISING OUT OF OR IN ANY
WAY RELATED TO THE MATERIALS, CONTENT, OR INFORMATION ON THIS SITE OR ANY OTHER
PRODUCTS, SERVICES, OR INFORMATION OFFERED, SOLD, OR DISPLAYED ON THIS SITE, YOUR USE OF,
OR INABILITY TO USE, THIS SITE GENERALLY, OR OTHERWISE IN CONNECTION WITH THIS AGREEMENT,
REGARDLESS OF WHETHER Financial Lock OR ANY OF ITS PROVIDERS HAVE BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES DO NOT ALLOW THE LIMITATION OF LIABILITY
FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
You agree to indemnify, defend, and hold harmless Financial Lock, its affiliates, agents, employees, and
licensors from and against any and all claims and expenses, including reasonable attorney fees, arising
out of or related in any way to your use of the site, violation of this Agreement, violation of any law or
regulation, or violation of any proprietary or privacy right.
obtains from you through your use of this website.
LIMITATIONS ON CLAIM
Any cause of action you may have with respect to your use of this site must be commenced within one
year after the claim or cause of action arises.
SUSPENSION / TERMINATION / CANCELLATION
The user account will be suspended for non-payment of membership monthly fees at midnight
EST of the 28 th of the active month.
During a suspension of services, the user WILL NOT receive, restoration or recovery services,
ID Theft insurance coverages or any form of monitoring other than already outlined. Re-
instatement will occur immediately upon updating payment details through the member's account
page or by contacting member services. If service was terminated, members may need to update monitoring information.
Without limiting its other remedies, Financial Lock may immediately discontinue, suspend,
terminate, or block your and any user's access to this site at any time in our sole discretion.
As a convenience to you, we may provide on this site links to websites operated by other entities
(collectively the “Linked Sites”). If you use any Linked Sites, you will leave this site. If you decide to visit
any Linked Site, you do so at your own risk, and it is your responsibility to take all protective measures to
guard against viruses or other destructive elements. Linked Sites, regardless of the linking form (e.g.,
hotlinks, hypertext links, IMG links) are not maintained, controlled, or otherwise governed by Financial
Lock. The content, accuracy, opinions expressed, and other links provided by Linked Sites are not
investigated, verified, monitored, or endorsed by Financial Lock. Financial Lock does not endorse, make
any representations regarding, or warrant any information, goods, and/or services appearing and/or
offered on any Linked Site, other than linked information authored by Financial Lock. Links do not imply
that Financial Lock or this site sponsor, endorses, is affiliated or associated with, or is legally authorized
to use any trademark, trade name, logo, or copyright symbol displayed in or accessible through the links,
or that any Linked Site is authorized to use any trademark, trade name, logo or copyright symbol of
Financial Lock or any of its affiliates or subsidiaries. Except for links to information authored by Financial
Lock, Financial Lock is neither responsible for nor will it be liable under any theory based on (i) any
Linked Site; (ii) any information and/or content found on any Linked Site; or (iii) any site(s) linked to or
from any Linked Site. If you decide to visit any Linked Sites and/or transact any business on them, you do
so at your own risk. Financial Lock reserves the right to discontinue any Linked Site at any time without
prior notice. Please contact the webmasters of any Linked Sites concerning any information, goods,
and/or services appearing on them.
CONTROLLING LAW, JURISDICTION, AND INTERNATIONAL USERS
This Agreement is governed by and shall be construed in accordance with the laws of the State of
Michigan, U.S.A., without reference to its conflict-of-law provisions. Financial Lock makes no
representation that the materials are appropriate or available for use outside the United States. If you
access this site from outside the United States, you will be responsible for compliance with all local laws.
You agree to comply with all laws and regulations applicable to your use of this site. You agree to submit
to the personal and exclusive jurisdiction of the state or federal courts located within Oakland County,
Michigan for any disputes with Financial Lock arising out of your use of this site.
This Agreement constitutes the entire agreement between Financial Lock and you with respect to this
website, and it supersedes all prior or contemporaneous communications and proposals, whether
electronic, oral or written, between you and Financial Lock with respect to this website. A printed
version of this Agreement and of any notice given in electronic form shall be admissible in judicial or
administrative proceedings based on or relating to this Agreement to the same extent and subject to the
same conditions as other business documents and records originally generated and maintained in
printed form. If for any reason a court of competent jurisdiction finds any provision of this Agreement or
portion of it to be unenforceable, that provision shall be enforced to the maximum extent permissible so
as to effect the intent of this Agreement, and the remainder of this Agreement shall continue in full
force and effect. No waiver by either party of any breach or default hereunder shall be deemed to be a
waiver of any preceding or subsequent breach or default.
MODIFICATIONS TO AGREEMENT
We may revise this Agreement at any time, and you agree to be bound by the revised Agreement. Any
such modifications will become effective on the date they are first posted to this site. It is your
responsibility to return to this Agreement from time to time to review the most current terms and
conditions. Financial Lock does not and will not assume any obligation to notify you of changes to this
ELECTRONIC COMMUNICATIONS AND ELECTRONIC SIGNATURES
You agree to be bound by any affirmation, assent, or agreement you transmit through this website,
including but not limited to any consent you give to receive communications from Financial Lock solely
through electronic transmission. You agree that when in the future you click on an “I agree,” I consent,”
or other similarly worded “button” or entry field with your mouse, keystroke, or other computer
devices, your agreement or consent will be legally binding and enforceable and the legal equivalent of
your handwritten signature.
FAMILY ID THEFT COVERAGES
If you’ve chosen a family membership, your spouse and dependents are eligible for Family ID Theft
Services. We will monitor up to (7) family members’ Social Security Numbers for high-risk
transactions. Your spouse and dependents social security numbers (SSN) are monitored across a
network of companies who utilize the “out of wallet” knowledge-based authentication questions to
verify an identity during a transaction. When we find anything suspicious, you receive a real-time
alert that can allow you to take action and halt unauthorized usage of a family member’s SSN.
Family members also have access to some of the same ID Theft Protection and Recovery benefits
as the primary member. These features are limited to; Risk Score, SSN Alerts, Restoration and
Recovery, ID Theft Insurance, Safe Wallet, Lost Wallet/Purse Assistance, Legal Services, Financial
Coaching Consultations and Tax Fraud Assistance. Spouse/Partner receives an annual Credit
Report & Score, 24/7 Bureau Monitoring. Spouse/ Partner (1) dependent is not restricted by the age
By purchasing a family plan, you are receiving the following benefits your family members; SSN/
High-Risk Transaction Monitoring, Risk Score, SSN Alerts, Restoration and Recovery, ID Theft
Insurance (If Monitored for High Risk Transactions), Safe Wallet, Lost Wallet/Purse Assistance,
Legal Services, Financial Coaching Consultations and Tax Fraud Assistance.
Services not available to family members include but are not limited to; Credit Report & Score and
1B or 3B Credit Bureau Monitoring. Spouse / Partner (1) dependent is not restricted by the age
requirements. (see item 3)
- “Primary Member” means a person age 18 or older who has been enrolled in our Identity
- ”Spouse / Partner” means anyone living in a domestic partnership with a Covered Member
as a relationship between two cohabitating people unrelated by either blood or marriage,
regardless of gender, who are over the age of 18, share the common necessities of life, and
have resided together for at least 6 months prior to subscribing to our product, who share
responsibility for the common living expenses of food, shelter, and medical care and are not
in any marriage or domestic partnership and/or civil union with another person. In the cities
and or states where domestic partnership registers are available, enrollees need to be
registered in order to be covered by the family option.
- “Dependents” means plan in which a Covered Member has enrolled for the family option and
the person(s) eligible for the services described in Section 2 shall be the Covered Member;
spouse or domestic partner; dependents age 26 or under.