Unlock Technologies, Inc. Privacy Policy

Federal Privacy Notice

Your California Privacy Rights

Effective Date: August 8th, 2020

I. Unlock Technologies, Inc.

Unlock Technologies, Inc. (“Unlock” or “We” or “Us”) provides real estate finance products to homeowners and prospective home purchasers (“Products”).  Our Products allow existing homeowners to tap into the equity of their homes.

II. Overview

The purpose of this Privacy Policy (“Policy”) is to provide individuals (“You”) with information about how We collect, protect, use, and disclose Your personal information through our website (“Site”).  

This Policy applies to Unlock and to our subsidiary Unlock Partnership Solutions, Inc.

This Policy is in force as of the Effective Date listed above and supersedes all prior versions.

III. Updates to this Policy

We may update this Policy at any time.  Any changes to this Policy will be posted at the following link: http://www.unlock.com/legal.  We encourage You to review this Policy regularly to ensure that You remain up to date on Our privacy practices.

IV. Information That We Collect through Our Site

We collect personal information from You through Our Site in order to provide You with Our Products.

We collect the following categories of personal information through the Site, which may be collected directly by Us or through other sources:

• First and last name
• A home or other physical address, including street name and name of a city or town
• An e-mail address
• Telephone Number
• Social Security Number
• IP Address
  

We collect such personal information through our Site by:

• Information You Provide to Us
• Information Collected Through Technology
• “Cookies”, ”Web Beacons”, ”Pixel Tags”
• Email-based Information Tracking
• Geolocation Data
• Third Party Services
  

V. How We Use and Share Your Personal Information which is Collected through Our Site

We use Information collected through our Site to: (i) to operate the Site and provide You with Our Products; (ii) to respond to Your requests and inquiries; (iii) to contact You and to communicate with You about Your use of Our Products; (iv) to notify You about important changes to Our Products, such as updates or revisions to this Privacy Policy, security announcements or other similar messages; (v) to review Site usage and operations and to improve the content and functionality of the Site and Our Products; (vi) to provide You with information and materials about Our Products, including marketing and promotional offers; (vii) to address problems with Our Products; and (viii) to protect the security or integrity of Our Products and Our business.  

We will not sell or lease Your Information to any third party. Except as otherwise expressly provided in this Privacy Policy, Unlock will only share Your Information: (i) as required or permitted by law or regulation or as We believe in good faith that disclosure of such Information is reasonably necessary to: (1) satisfy any applicable law or regulation, (2) to respond to claims and/or to comply with a judicial proceeding, court order, or legal process served on Us, (3) to protect and defend Our rights or property, and/or the rights or property of Our customers or third parties, as permitted by law, (4) to detect, prevent, or otherwise address fraud, security or technical issues; or (5) to enforce Our Terms of Use; and/or (ii) with Our service providers that conduct various services on Our behalf in order to provide You with Our Products, and those service providers will be permitted to obtain only the Information they need to deliver the service.  For example, We may use third party service providers to host the Site or to operate various features available thereon, such as sending and managing email, analyzing data, and providing search results.

VI. How We Protect Your Personal Information

We take securing Your personal information seriously.  We have implemented reasonable technical and organizational measures designed to deter unauthorized access to and use, destruction of, modification of, or disclosure of the Information We collect via the Site.  We cannot ensure or warrant the security of any Information You transmit to us and You provide all Information via the Site at Your own risk. We will never ask You to send Your password or other sensitive information to us in an email, though We may ask You to enter this type of information on the Site. If You are sharing a computer with anyone You should always log out before leaving a website or service to protect access to Your Information from subsequent users. Unlock routinely conducts information security audits to ensure your data is protected.

VII. Online Tracking and Cookies

Unlock uses cookies, which are small text files, stored locally on Your computer that help store user preferences.  Cookies may be html files, or other technology and other, similar products which track Your use of Our Site when You use Our Products.

We collect different types of information through a variety of types of cookies

Necessary Cookies

• Necessary cookies allow us to offer you the best possible experience when accessing and navigating through our Website and using its features. For example, these cookies let us recognize that you have created an account and have logged into that account to access the content.

Functionality cookies

• Functionality cookies let us operate the Website and Services in accordance with the choices you make. For example, we will recognize your username and remember how you customized the Website and Services during future visits.

Analytical cookies

• These cookies enable us and third party services to collect aggregated data for statistical purposes on how our visitors use the Website. These cookies do not contain personal information such as names and email addresses and are used to help us improve your user experience of the Website.

Social media cookies

• Third party cookies from social media sites (such as Facebook, Twitter, etc) let us track social network users when they visit or use the Website and Services, or share content, by using a tagging mechanism provided by those social networks.
• These cookies are also used for event tracking and remarketing purposes. Any data collected with these tags will be used in accordance with our and social networks’ privacy policies. We will not collect or share any personally identifiable information from the user.

In addition, third parties may collect information about your online activities over time and across different websites when you use Our Site.

Some modern web browsers contain a “Do Not Track” setting.  However, there is currently no industry standard regarding the meaning of “Do Not Track” and what, if anything, websites should do in response.  As a result, We may not respond to “Do No Track” requests.  However, most browsers and mobile devices allow You to change Your settings to provide You with: (i) a notification when/if cookies or other tracking technologies are being used; and (ii) an option to choose whether or not to accept/allow the use of cookies or other tracking technologies. Most browsers also allow You to disable or delete existing cookies or to automatically reject future cookies.  Please be advised that disabling cookies may limit your ability to use Our Site.

VIII. Notices to California Residents

The information in this section only applies to California residents.

‍A. Your California Privacy Rights  

You have the right to request that We disclose to you, free of charge, certain information regarding: (i) the categories of personal information that We have shared with third parties for their direct marketing purposes in the preceding calendar year; and (ii) the names and addresses of those third parties.  You may request this information by emailing Us at hello@unlock.com or calling toll-free (800) 560-3450.  Please allow 30 days for a response.

B. Important Privacy Choices for California Consumers

You may have rights under California law with respect to how we share certain of your nonpublic personal information.  Please visit https://www.unlock.com/legal/california-important-privacy-choices for additional information.

IX. Children

Our Site is not intended to be used by anyone under the age of eighteen (18) (“Minors”), and we do not knowingly collect and/or use personal information of Minors through Our Site.  If you are a parent or guardian and believe that we inadvertently collected personal information of a Minor, please contact us immediately at: hello@unlock.com.  We will then delete such information.

X. Opt-out/Unsubscribe

You can opt-out of receiving unsolicited, promotional communications from Us by emailing Us at: hello@unlock.com

XI. Updating Information

You may review and request changes to any of Your personal information that we collected through this Site by emailing us at hello@unlock.com

XII. Consent

You agree to the entirety of the terms and conditions set forth this Policy by using/accessing Our Site, or otherwise providing Us with Your personal information. If You do not agree to the terms and conditions as set forth in this Policy, please do not use this Site.

XIII. Contact Us

If You have any questions about this Policy or Our privacy practices generally, please contact Us at: hello@unlock.com or by mail at 1 Rockefeller Plaza, Suite 1280, New York, NY 10020.  We can also be reached by calling toll-free at (800) 560-3450.

UNLOCK TECHNOLOGIES, INC. TERMS OF USE

Effective Date: August 13, 2020

Welcome to the Unlock Website.

BY ACCESSING OR USING THE WEBSITE YOU ARE INDICATING THAT YOU HAVE READ AND UNDERSTAND THE TERMS, AND THAT YOU AGREE TO COMPLY WITH AND BE LEGALLY BOUND BY THE TERMS.

IF YOU DO NOT AGREE TO THE TERMS, YOU MAY NOT ACCESS OR USE THE WEBSITE OR SERVICES.

1. ABOUT THE TERMS
2. ABOUT THE WEBSITE
3. ACCOUNTS
4. USER CONDUCT GUIDELINES
5. INTELLECTUAL PROPERTY OWNERSHIP
6. THIRD PARTY TERMS
7. WARRANTIES, DISCLAIMERS, LIMITATION OF LIABILITY & INDEMNIFICATION
8. GOVERNING LAW & DISPUTE RESOLUTION
9. MISCELLANEOUS

1. ABOUT THE TERMS

1.1 Key Terms

As used in these Terms of Use:

“Unlock,” “we,” or “us” refer to Unlock Technologies, Inc. and our officers, directors, employees, contractors and agents. To the extent applicable, they also refer to our affiliates, service providers and licensors, and their respective officers, directors, employees, contractors and agents.

“Services” refers to the alternative real estate forward sale product and services provided by Unlock and its service providers, and any and all related services and promotions.

“Users” means any and all persons that access or use the Website.  References to “access” and/or “use” of the Website (and any variations thereof) include the acts of accessing or browsing the Website, and accessing or using the Services.

“Website” refers to any website owned or operated by Unlock (including the website currently located at http://Unlock.com, through which access to the Services is available.  References to the “Website” include any and all features, functionality, tools and content available on or through each such website.

1.2 Website Rules

Your access to and use of the Website is governed by the terms and conditions of these Terms of Use, our Privacy Policy, currently located at http://Unlock.com (as described in more detail below), any and all other policies and rules referenced herein, posted on the Website, or otherwise communicated to Users (the “Website Rules”).

PLEASE READ THESE TERMS OF USE, OUR PRIVACY POLICY AND WEBSITE RULES (COLLECTIVELY, THE “TERMS”) CAREFULLY, AS THEY CONTAIN TERMS AND CONDITIONS THAT IMPACT YOUR RIGHTS, OBLIGATIONS AND REMEDIES IN CONNECTION WITH YOUR USE OF THE WEBSITE. FOR EXAMPLE, THE TERMS INCLUDE:

YOUR OBLIGATION TO COMPLY WITH ALL APPLICABLE LAWS AND REGULATIONS;

LIMITATIONS OF OUR LIABILITY TO YOU; AND

A REQUIREMENT THAT YOU PURSUE CLAIMS OR SEEK RELIEF AGAINST US (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ON AN INDIVIDUAL BASIS, RATHER THAN AS A PARTICIPANT IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING.

YOUR ACCESS TO AND USE OF THE WEBSITE AND SERVICES IS CONDITIONED ON YOUR ACCEPTANCE OF AND COMPLIANCE WITH THESE TERMS.

1.3 Amendment of Terms

Unlock reserves the right, in its sole discretion, to amend the Terms, at any time and without prior notice, including to change, modify, add to, update or remove terms and conditions (collectively “amend” or “update”).  If we choose to amend the Terms, we will update the Effective Date at the top of the Terms and post the updated version.  We may also, at our option, choose to notify you by e-mail or another means.  By continuing to use the Website after we have posted an updated version of the Terms or otherwise notified you of an update, you are affirming that you agree to be bound by the amended Terms.  This provision is subject to a few limitations in the “Dispute Resolution” section below.  If the amended Terms are not acceptable to you, your only recourse is to stop using the Website.

No other modification, amendment, supplement of or to the Terms will be binding on Unlock unless it is in writing and signed by an authorized representative of Unlock.

1.4 Consequences of Non-Compliance

Your failure to comply with the Terms may result in the suspension or termination of your account and/or access to the Website, and may subject you to civil and criminal penalties.

2. ABOUT THE WEBSITE

2.1 No Commitment. Except as otherwise specifically described in this Section 2, the information generally available on or through the Website, including but not limited to any calculator that may present hypothetical agreement terms or outcomes, is of a general nature, intended for informational purposes only, and is not tailored to your particular circumstances, nor does it constitute an offer or commitment to enter into any agreement with you. We may refuse to provide our Services to anyone at any time.

2.2 License to Use

Subject to your compliance with the Terms, Unlock grants you a limited non-exclusive, non-transferable, non-assignable and non-sublicensable license to access and use the Website and Services, for your own personal use only, and not for use for any business purpose or commercial activity. This license is granted for the sole purpose of enabling you to use and enjoy the benefit of the Website as provided by Unlock, in the manner permitted by the Terms.

2.3 Modifications and Updates to the Website

Unlock reserves the right, in its sole discretion, to modify or discontinue offering the Website and/or Services, in whole or in part, or any features, functionality, tools or content thereof, at any time, for any reason or no reason, with or without notice to you.  We also retain the right to impose limits on your use at our sole discretion at any time without prior notice to you.

You agree that Unlock has no obligation to provide any updates or to continue to provide or enable any particular features, functionality, tools or content, and will not be liable with respect to any such modifications, discontinuance or deletions.

2.4 Pre-Qualifications. All pre-qualifications, including but not limited to any presentation of preliminary terms made to you, are conditional upon a successful application submission (which may be refused or rejected by Unlock at any time and for any or no reason), and are not tailored to your specific circumstances.

2.5 Applications. You represent that all information in any application you submit is accurate, current, and complete, and that you have all necessary rights, licenses, and consents to provide us with that information. You agree to notify us of any changes in any information submitted in connection with your application. As part of the  application process, Unlock made require additional information from third party financial institutions, credit bureaus, and other third parties with which you maintain accounts or engage in financial transactions, to be used solely for the purpose of evaluating and processing your application and providing the Services to you. You hereby acknowledge and agree that Unlock’s evaluation of your application may include a credit check, which may impact your credit score. Unlock is not responsible for any third-party costs relating to the processing of your application.

2.6 Offers

All conditional offers that may be made to you by Unlock through this Website after your submission of an application are not final commitments for an executable forward sale transaction with Unlock and are conditioned upon your meeting each of the requirements enumerated in the offer provided.  All Final Offers that may be made to you by Unlock through this Website are binding only upon your proper execution of such offers in compliance with Unlock’s transaction closing requirements.

2.7 International Users

The Website is controlled and operated within the United States and is not intended for use outside of the United States.  You are hereby prohibited from accessing or using the Website from any territory where the Website or any of the features, functionality, tools, content thereof, is illegal.  If you choose to access the Website from a location outside the United States, you do so at your own risk and you are solely responsible for compliance with applicable laws, rules and regulations, including export laws and any regulations and local laws regarding online conduct and content.

3. ACCOUNTS

3.1 Account Registration and Setup

While the Website is publicly available, you must register for a User account before you are able to use certain Services. You may register to create an account directly via the Website. You may not register for an account on behalf of any person (other than yourself). No person or entity may have more than one active account at any given time.

Your account and account profile page will be created based upon the information you provide to us. You agree to provide complete, accurate and up-to-date information during the registration process and to update such information as necessary to ensure that it remains complete, accurate and up-to-date.

When you create your account, you will be asked to create a username and password, which you will be solely responsible for safeguarding.  We encourage you to use “strong” passwords (passwords that use a combination of upper and lower case letters, numbers and symbols) with your Unlock account or any other account that you may connect to your Unlock account.  You agree not to disclose your username or password to any third party, and you agree to immediately notify Unlock of any unauthorized use of your account.  You further acknowledge and agree that you will be solely responsible for any activities or actions on or through your account, whether or not you have authorized such activities or actions. Unlock cannot and will not be liable for any loss or damage arising from your failure to comply with the above requirements.

3.2 Account Suspension and Cancellation

We may, in our discretion, without liability to you and without limiting our other remedies, with or without prior notice and at any time, decide to limit, suspend, deactivate or cancel your account and take technical and legal steps to prevent you from using our Website and Services at any time for any reason.

Unlock reserves the right to suspend or terminate your account or your access to the Website if you create more than one account, or if any information provided during the registration process or thereafter is determined to be incomplete, inaccurate, outdated, deceptive or fraudulent.

We reserve the right to cancel unconfirmed accounts or accounts that have been inactive for a prolonged period of time.  We also reserve the right to cancel accounts of Users who fail to comply with the Terms, including the terms and conditions regarding User conduct, as set forth in the “General User Conduct” section below and elsewhere in the Terms.

If Unlock has suspended your account due to your actual or suspected breach of the Terms, such suspension will continue until the suspected breach is cured or otherwise resolved to Unlock’s reasonable satisfaction.

4. USER CONDUCT GUIDELINES

Any time you access or use the Website, you are required to comply with our User conduct guidelines, as set forth below.

You agree that you will access and use the Website and Services for your personal use only.

You are not authorized to access or use the Website:

to impersonate any person or entity, or falsify or otherwise misrepresent your identity, credentials, affiliations or intentions;

to collect, store or use any information from or about another User;

to “stalk” or harass any other User;

to distribute unsolicited commercial or bulk electronic communications (or, “spam”), chain letters or “pyramid” schemes;

for political campaigning, recruiting votes or soliciting donations or other support for legislative or other initiatives;

to systematically retrieve information or content to create or compile, directly or indirectly, in single or multiple downloads, a collection, compilation, database, directory or the like, whether by manual methods, through the use of bots, crawlers, or spiders, or otherwise;

if you are not able to form legally binding contracts (for example, if you are under 18);

if you are a person barred from receiving services under the laws of the United States or other applicable jurisdiction; or

for any other purposes that are not expressly permitted by the Terms.

Further, you may not:

access, copy, distribute, share, publish, use or store any Website content, including any information from or about any other User, for purposes that are inconsistent with our Privacy Policy, or otherwise violate the privacy rights or any other rights of other Users or any other third party, including by disclosing, selling, renting, distributing or exposing any Website content to a third party, using it for marketing purposes, or otherwise using it for any purposes unrelated to the Website;

access, copy, distribute, share, publish, use or store, or prepare derivative works from any Website content that belongs to Unlock, another User or to a third party, including works covered by any copyrights, trademark, patent, or other intellectual property right, except with prior express permission of the person or entity party holding the rights to license such use;

share your login credentials or transfer your account to another party without our consent;

circumvent our systems, policies, determinations as to your account status, including by attempting to access or use the Website if your account has been suspended or cancelled or you have otherwise been temporarily or permanently prohibited or blocked from using the Website;

access, search, collect information from, or otherwise interact with the Website by “scraping,” “crawling” or “spidering” the Website, by the use of any software, device, script or robot, or by any other means (automated or otherwise) other than through the currently available, published interfaces that are provided by Unlock, unless you have been specifically authorized to do so in a separate agreement with Unlock;

use, display, mirror or frame the Website, or any feature, functionality, tool or content of the Website, Unlock’s name, any Unlock trademark, logo or other proprietary information, without Unlock’s express written consent;

interfere with, disrupt, damage or compromise the Website or our systems or the access of any User, host or network in any way, including through the use of viruses, cancel bots, Trojan horses, harmful code, flood pings, denial-of-service attacks, backdoors, packet or IP spoofing, forged routing or electronic mail address information or similar methods or technology or by overloading, flooding, spamming, mail-bombing the Website or otherwise imposing an unreasonable or disproportionately large load on the Website;

access, tamper with or use non-public areas of any of the Website, Unlock’s computer systems, or the technical delivery systems of Unlock’s providers;

probe, scan, or test the vulnerability of any system or network of Unlock or its providers, or breach or circumvent any security or authentication measures of such system or network;

avoid, bypass, remove, deactivate, impair, descramble, or otherwise circumvent any technological measure implemented by Unlock or any of Unlock’s providers or any other third party to protect the Website;

forge any TCP/IP packet header or any part of the header information in any e-mail or posting, or in any way use the Website to send altered, deceptive or false source-identifying information;

attempt to decipher, decompile, disassemble or reverse engineer any of the code or software used to provide the Website;

export or re-export the Website, except in compliance with the export control laws and regulations of any relevant jurisdictions;

otherwise abuse the Website or breach the Terms; or

attempt to do any of the foregoing, or advocate, encourage or assist any third party in doing any of the foregoing.

5. INTELLECTUAL PROPERTY OWNERSHIP

5.1 The Website

The Website and Services, including all features, functionality, tools and content thereof, is protected by copyright, trademark, patent and other laws of the United States and foreign countries.  You acknowledge and agree that the Website and Services, and all intellectual property rights therein are the exclusive property of Unlock and its licensors.  You will not remove, alter or obscure any copyright, trademark, service mark, patent marking, or other proprietary rights notices incorporated in or accompanying the Website or Services.

Without limiting the foregoing, you acknowledge and agree that the trade names, logos, and other trademarks and service marks associated with Unlock (the “Unlock Marks”) are the property of Unlock, and that you are not permitted to use the Unlock Marks without our prior written consent.

You may not use, copy, reproduce, distribute, license, sell, transfer, publish, post, publicly display, publicly perform, transmit, broadcast, adapt, modify, prepare derivative works based upon, or otherwise exploit any features, functionality, tools or content of the Website or Services in any form or by any means, or sublicense the rights granted in the Terms, except as expressly permitted herein, without the prior written permission of Unlock or the intellectual property owner, as applicable.

This foregoing license is subject to modification or revocation at any time at Unlock’s sole discretion.

No licenses or rights are granted to you by implication or otherwise under any intellectual property rights owned or controlled by Unlock or its licensors, except for the licenses and rights expressly granted in the Terms.  All rights not expressly granted to you by the Terms are hereby reserved.

6. THIRD PARTY LINKS

The Website may also provide links to third-party websites, resources or services.  You acknowledge and agree that Unlock is not responsible or liable for (i) the availability, terms or practices of such websites, resources or services, or (ii) the content, products or services available on or through such websites, resources or services, including that any information provided is complete, accurate or up-to-date.  Links to such websites, resources or services do not imply any endorsement by Unlock of such websites, resources or services or the content, products or services available on or through such websites, resources or services.  You acknowledge sole responsibility for and assume all risk arising from your use of any such websites, resources or services or the content, products or services available on or through such websites or services.

We will not be responsible or liable for any damage or harm resulting from your interactions with such websites or services, or the content, products or services available on or through such websites or services.

7. WARRANTIES, DISCLAIMERS, LIMITATION OF LIABILITY & INDEMNIFICATION

7.1 Warranties by Users

You represent and warrant to Unlock that:

(i) you have the power and authority to accept and agree to the Terms;

(ii) you own or control all of the rights necessary to grant the rights and licenses granted herein;

(iii) you will not violate any federal, state or local laws, rules or regulations or infringe the rights of any third party, including, any intellectual property, privacy or publicity-related rights, in connection with Your Content or otherwise in connection with your access to or use of the Website and Services;

(iv) the exercise by Unlock of the rights granted by you hereunder will not cause Unlock to violate any applicable laws, rules or regulations, to infringe the rights of any third party; and

(v) all account information provided by you will be complete, accurate and up-to-date when provided, and updated as necessary to ensure that it remains complete, accurate and up-to-date.

7.2 Disclaimers

EXCEPT AS EXPRESSLY PROVIDED HEREIN, THE WEBSITE AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED.  TO THE MAXIMUM EXTENT NOT PROHIBITED BY APPLICABLE LAW, UNLOCK EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR TITLE OR RIGHTFUL CLAIM, WARRANTIES AS TO THE RELIABILITY OR AVAILABILITY OF THE WEBSITE OR SERVICES, OR THAT USE OF THE WEBSITE OR SERVICES WILL BE UNINTERRUPTED OR ERROR FREE, WARRANTIES AS TO THE COMPLETENESS, ACCURACY OR TIMELINESS OF ANY WEBSITE CONTENT.

7.3 Limitation of Liability

YOU ACKNOWLEDGE AND AGREE THAT, TO THE MAXIMUM EXTENT NOT PROHIBITED BY LAW:

THE ENTIRE RISK ARISING OUT OF OR RELATING TO YOUR USE OF THE WEBSITE IS AND REMAINS WITH YOU, AND UNLOCK DISCLAIMS ANY AND ALL LIABILITY RELATED TO (I) YOUR USE OF OR INABILITY TO USE THE WEBSITE. YOU ACKNOWLEDGE AND AGREE THAT ACCESSING AND USING THE WEBSITE AND SERVICES ARE DONE AT YOUR OWN DISCRETION AND RISK, AND YOU AND HEREBY RELEASE UNLOCK AND WAIVE ANY AND ALL CLAIMS AND CAUSES OF ACTION WITH RESPECT TO ANY DAMAGES CAUSED BY ANY OF THE FOREGOING.

IN NO EVENT WILL UNLOCK BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR DAMAGES FOR LOST REVENUES OR PROFITS, LOSS OF DATA OR LOSS OF GOODWILL, SERVICE INTERRUPTION, COMPUTER DAMAGE OR SYSTEM FAILURE, OR FOR ANY DAMAGES FOR PERSONAL OR BODILY INJURY OR EMOTIONAL DISTRESS ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, WHETHER BASED IN WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT UNLOCK HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, EVEN IF A LIMITED REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSIVE OR LIMITATION OF CERTAIN DAMAGES AS SET FORTH IN THIS SECTION, SO THESE LIMITATIONS AND EXCLUSIONS APPLY TO YOU ONLY TO THE EXTENT PERMITTED BY APPLICABLE LAW.  IN THE EVENT THAT THE FOREGOING LIMITATION OF LIABILITY IS DETERMINED BY A COURT OF COMPETENT JURISDICTION TO BE UNENFORCEABLE, UNLOCK’S AGGREGATE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT SHALL BE LIMITED TO ONE HUNDRED U.S. DOLLARS (US$100).

7.4 Basis of the Bargain

YOU ACKNOWLEDGE AND AGREE THAT THE WARRANTY DISCLAIMERS AND LIMITATIONS OF LIABILITY SET FORTH ABOVE ARE ESSENTIAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN UNLOCK AND YOU, AND WILL SURVIVE AND APPLY EVEN IF YOUR REMEDIES ARE FOUND OR ALLEGED TO HAVE FAILED OF THEIR ESSENTIAL PURPOSE.

7.5 Exclusions

NOTHING IN THE TERMS FURTHER IS INTENDED TO EXCLUDE OR LIMIT ANY CONDITION, WARRANTY, RIGHT OR LIABILITY WHICH MAY NOT BE LAWFULLY EXCLUDED OR LIMITED.  SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR CONDITIONS OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR LOSS OR DAMAGE CAUSED BY NEGLIGENCE, BREACH OF CONTRACT OR BREACH OF IMPLIED TERMS, OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR EXCLUSION OF LIABILITY FOR LOSS OR DAMAGE FROM DEATH OR PERSONAL INJURY.  ACCORDINGLY, ONLY THE ABOVE LIMITATIONS IN THIS SECTION THAT ARE LAWFUL IN YOUR JURISDICTION WILL APPLY TO YOU, AND OUR LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT REQUIRED BY LAW.

7.6 Indemnification

To the maximum extent not prohibited by applicable law, you agree to release, defend, indemnify, and hold Unlock its parent, subsidiaries, affiliates, licensors and service providers, and its and their officers, directors, shareholders, agents, employees and representatives, harmless (collectively “indemnify” or any variation thereof) from and against any claims, liabilities, damages, losses, costs and expenses, including, any bodily injury, illness, death or damage to any real or personal property, or any other injuries, losses, or damages (whether compensatory, direct, incidental, consequential or otherwise) of any kind, and including reasonable legal fees and litigation expenses and costs, arising out of or relating to or in any way connected with (i) your access to or use of the Website, including any and all features, functionality, tools, content and promotions available on and through the Website, (ii) your breach of the Terms, including any violation of national, federal, state or local or other applicable laws, rules or regulations or any infringement or misappropriation of the rights of any third party, and (iii) your gross negligence or willful misconduct.

7.7 Obligation to Defend.

You agree that, at Unlock’s option, you will conduct the defense of any such claim or action; provided that, notwithstanding our election that you conduct the defense, (i) Unlock may nevertheless participate in such defense or settlement negotiations and pay its own costs associated therewith, and (ii) you will not enter into any settlement or other compromise without the prior written approval of Unlock (which approval shall not be unreasonably withheld), unless such settlement or other compromise includes a full and unconditional release of the relevant parties from all liabilities and other obligations in respect of such claim or action.

7.8 No Implied Indemnity.

No person or entity shall be entitled to any form of equitable or implied indemnification at any time, except as provided by the Terms.

8. GOVERNING LAW & DISPUTE RESOLUTION

PLEASE READ THIS SECTION CAREFULLY.  IT AFFECTS YOUR RIGHTS AND WILL HAVE A SUBSTANTIAL IMPACT ON HOW CLAIMS YOU AND Unlock HAVE AGAINST EACH OTHER ARE RESOLVED.

8.1 Governing Law

The Terms shall be governed by and interpreted in accordance with the laws of the State of California without regard to conflict of law principles.  

8.2 Arbitration

Notwithstanding any contrary provision of these Terms, all disputes, claims, controversies and matters relating to or in connection with these Terms (or the breach thereof) or any transactions hereunder shall be settled by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules (“AAA Rules”), and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.  The arbitration shall take place in San Francisco, California before a single neutral arbitrator appointed in accordance with the AAA Rules and shall be conducted in the English language.  All arbitrations shall be conducted and resolved on an individual basis and not a class-wide, multiple plaintiff or similar basis.  No arbitration shall be consolidated with any other arbitration proceeding involving any other person or entity.  

8.3 Jurisdiction and Venue

Subject to the above arbitration provisions, you and Unlock agree that any and all disputes, claims and actions, at law or in equity, arising out of or relating to or in connection with the Terms or the breach, termination, enforcement, interpretation or validity thereof, or to the use of the Website (collectively, “Disputes”) in the federal or state courts located in San Francisco, California and each of us agrees that such courts shall have exclusive jurisdiction and venue for any such actions, except that Unlock retains the right to submit a Dispute to any court of competent jurisdiction. Unlock also may seek injunctive or other equitable relief for breach of these Terms in any court of competent jurisdiction wherever located.  You consent to the jurisdiction of and venue in such courts and waive any objection as to inconvenient forum.  The prevailing party in any suit, action or proceeding, including any arbitration proceeding, will be entitled to recover its reasonable legal fees and costs and expenses from the other party.  

8.4 Prohibition of Class and Representative Actions and Non-Individualized Relief

YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST UNLOCK ONLY ON AN INDIVIDUAL BASIS AND HEREBY WAIVE THE RIGHT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS ACTION OR REPRESENTATIVE PROCEEDING, TO THE MAXIMUM EXTENT NOT PROHIBITED BY APPLICABLE LAW.  FURTHER, UNLESS BOTH YOU AND UNLOCK OTHERWISE AGREE IN WRITING, THE COURT MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING.

8.5 Future Amendments to this Section

Both of us agree that if we make any amendment to this Dispute Resolution section (other than an amendment to any notice address or site link provided herein) in the future, that amendment will not apply to any claim that was filed in a legal proceeding against us prior to the effective date of the amendment.  However, the amendment will apply to all other disputes or claims governed by this section that have arisen or may arise between you and Unlock.  We will notify you of amendments to this section by posting the amended Terms on http://Unlock.com.  If you do not agree to the amended terms, you may close your account within 30 days and you will not be bound by the amended dispute resolution terms.  If you do not have an account (or once you have closed your account, if applicable), you must cease using the Website immediately.  By rejecting any change, you are agreeing that you will arbitrate any Dispute between you and Unlock in accordance with the provisions of this “Dispute Resolution” section as of the date you first accepted the Terms (or accepted any subsequent changes to the Terms).

9. MISCELLANEOUS

9.1 Privacy

Our collection and use of information about Users is governed by our Privacy Policy.  By accessing and using the Website, you consent to the collection and use of this information, including the transfer of this information outside the United States and/or other countries, for storage, processing and use by Unlock.  As part of providing you the Website, we may need to provide you with certain communications, such as service announcements and administrative messages.  These communications are considered part of the Services, which you may not be able to opt-out from receiving.

9.2 Entire Agreement

These Terms, including these Terms of Use, our Privacy Policy and any and all Website Rules, constitute the entire and exclusive understanding and agreement between you and Unlock regarding your access to and use of the Website and supersede and replace any and all prior or contemporaneous oral or written understandings or agreements between you and Unlock and regarding the subject matter hereof.

9.3 Assignment

You may not assign, transfer, delegate or sublicense any of your rights or obligations under the Terms, including by operation of law or merger or consolidation, without our express prior written consent, which may be granted or withheld in our sole discretion.  Any attempted assignment, transfer, delegation or sublicense without the foregoing consent will be null and void. Unlock may assign, transfer, delegate and/or sublicense our rights and obligations under the Terms, in whole or in part, in its sole discretion, without restriction.

Subject to the foregoing, the Terms will bind and inure to the benefit of the parties, their successors and assigns.

9.4 No Agency

Except as otherwise expressly set forth herein, no agency, partnership, joint venture, employee-employer or franchiser-franchisee relationship is intended or created by the Terms.

9.5 Survival of Terms

Any provisions of the Terms that contemplate performance or observance subsequent to the expiration or termination of these Terms of Use/Service shall survive such expiration or termination.

9.6 Notices

Any notices or other communications permitted or required hereunder, including those regarding modifications to the Terms, will be in writing and given by Unlock (i) via e-mail (in each case to the address that you provide), or (ii) by posting to the Website.  For notices made by e-mail, the date on which such notice is transmitted will be deemed the date of receipt.

9.7 Waiver

Our failure to exercise any right or enforce any obligation under these Terms of Use or to take action with respect to a breach by you or others will not constitute a waiver of such right, obligation or breach.  The waiver of any right, obligation or breach will be effective only if in writing and signed by a duly authorized representative of Unlock.  In addition, no waiver granted in any instance shall constitute a waiver in any other instance.

9.8 Remedies

Except as expressly set forth in the Terms, the exercise by either party of any of its remedies under the Terms will be without prejudice to its other remedies available under contract, at law, in equity or otherwise.

9.9 Severability

Except as otherwise provided in the Terms, if an arbitrator or a court of competent jurisdiction finds any provision of the Terms to be invalid, void or unenforceable, in whole or in part, for any reason, the offending provision will be enforced to the maximum extent permissible and will not affect the validity or enforceability of the remaining provisions, which will remain in full force and effect.

9.10 Headings

The headings in the Terms are for reference purposes only and do not limit or otherwise affect the meaning or interpretation of any of the provisions hereof.

9.11 Third-Party Beneficiaries

Except as otherwise expressly set forth herein, the Terms do not and are not intended to confer any rights or remedies upon any person other than the parties hereto.

9.12 Contact Us

If you have any questions or concerns, please contact Unlock at (800) 560-3450.

You can also write to us at: 548 Market St #31036, San Francisco, CA 94104

9.13 California Residents

Pursuant to California Civil Code §1789.3, California residents are also entitled to the following specific consumer rights notice:

Complaints regarding the Website or Services or requests to receive further information regarding use of the Website or Services may be sent to the above address.

The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Boulevard, Suite N112, Sacramento, CA 95834 or by telephone at (916) 445-1245 or (800) 952-5210.  Hearing impaired persons may call TDD (800)-326-2297 or TDD (916)-928-1227, see www.dca.ca.gov for additional information.

Copyright ©2020 Unlock Technologies, Inc.  All rights reserved.

‍

CONSUMER CONSENT AND AUTHORIZATION FOR ELECTRONIC DISCLOSURES

By agreeing to this Consumer Consent and Authorization for Electronic Disclosures (“Consent”), you consent and authorize Unlock Partnership Solutions, Inc. (“Unlock” or “we” or “us”) to provide you with any authorizations, agreements, disclosures, notices or other information in connection with your real estate transaction with Unlock, including but not limited to information we are required by law to provide you in writing (collectively, “Electronic Communications”) in electronic format and to discontinue sending any paper communications to you.  

Your consent will apply to the entirety of your transaction with us or until expressly withdrawn by you. Please review this Consent carefully, and please keep a copy for your records.  

‍I. METHOD OF PROVIDING ELECTRONIC COMMUNICATIONS  

You agree that Unlock may send all Electronic Communications to you either directly to your email address on file in your online account, on our website, or to your account on the Unlock website portal. If documents are provided on our website, we will notify you of their availability and how to access them by sending you an email.

It is your responsibility to maintain an account on the Unlock website portal, including maintaining an updated password, related to this Consent and your transaction with us. You must promptly notify us if you cannot locate your password. Instructions to update your password are below.

Your consent remains in effect until you give us notice that you are withdrawing it. We may also treat your failure to maintain an account on the Unlock website portal as a withdrawal of your consent to Electronic Communications.  We will not impose any charges or fees to process your withdrawal and any changes will only be valid once we have had a reasonable period of time to process your withdrawal.  

II. WITHDRAWING CONSENT

Even if you have provided your consent to receive Electronic Communications by signing this Consent, you have the right to withdraw your consent at any time and have the Electronic Communications provided or made available to you in a paper/non-electronic form.  At this time, we do not charge to provide you with paper/non-electronic copies.   If you withdraw your consent, Unlock may opt to terminate any outstanding applications.

To withdraw your consent, please contact us as provided below in Section V, Our Contact Information.  Your withdrawal will become effective after a reasonable time required for processing your request.  

III. HARDWARE AND SOFTWARE SYSTEM REQUIREMENTS

In order to access, view and retain Electronic Communications from us, you will need the following hardware and/or software:  

1. A valid, working e-mail address that you can access.  Please ensure that you add @unlock.com to your safe-senders list so that they are not misidentified as junk mail.

2. A personal computer capable of accessing the Internet and receiving, accessing, downloading, displaying, printing, storing and sending communications received from us in electronic format.

3. An internet browser such as Google Chrome.

4. A reader capable of viewing PDF files, such as Adobe Acrobat Reader.

IV. PAPER COPIES

We will not send you any paper copies of the Electronic Communications unless you so request or we otherwise deem it appropriate.  You can obtain a paper copy of an Electronic Communication by either printing it yourself or by requesting that we mail you a paper copy.  To request a paper copy, please contact us as set forth below in Section V, Our Contact Information.  We may charge you a reasonable fee to for the delivery of paper copies of any Electronic Communications.  We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Electronic Communication that you have authorized us to provide electronically.

V. OUR CONTACT INFORMATION

Please contact us at: Unlock Partnership Solutions, Inc., 1 Rockefeller Plaza, Suite 1280, New York, NY 10020 if you have any questions regarding the information contained herein, or to do any of the following under this Agreement:

• Request paper/non-electronic copies of any Electronic Communications.
• Withdraw your consent to this Agreement.
• Request log-in assistance if you have misplaced your web portal account password.

VI. VALIDITY OF LAW

You acknowledge and agree that your consent to receive Electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (“ESIGN Act”), 12 U.S.C. § 7001 et seq., and that both you and we intend that the ESIGN Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

Welcome to Unlock. Unlock is operated by Unlock Technologies, Inc. (“Unlock” or “we” or “us”). By using the web site at www.unlock.com including any subdomain thereof, and submitting an application or a preliminary terms form, and continuing with the application process, you are providing your “written instructions” under the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. By so submitting, you hereby consent to and authorize Unlock to obtain consumer reports, including your credit score, from one or more consumer reporting agency(ies), including but not limited to Equifax, Experian, and/or TransUnion, in connection with your application for an Unlock product or service.

Submitting an application or preliminary terms form to Unlock will not affect your credit; it will result in a soft credit inquiry which is only visible to you. If you receive an Unlock agreement, you also agree that Unlock may regularly conduct a soft credit inquiry to assess your adherence to the Unlock Agreement. A soft credit inquiry is only visible to you and will not affect your credit.

You authorize Unlock to verify information in your application about yourself and the property, and you agree that Unlock may contact third parties to verify any such information.

Additional reporting may be made to credit reporting agencies during the term of your Unlock agreement.

Important Privacy Choices for Consumers

‍You have the right to control whether we share some of your personal information.

Please read the following information carefully before you make your choices below.

Your Rights 

You have the following rights to restrict the sharing of personal and financial information with our affiliates (companies we own or control) and outside companies that we do business with. Nothing in this form prohibits the sharing of information necessary for us to follow the law, as permitted by law, or to give you the best service on your accounts with us.This includes sending you information about some other products or services.

Your Choices

Restrict Information Sharing With Companies We Own or Control (Affiliates): Unless you say “No,” we may share personal and financial information about you with our affiliated companies.

(_) NO, please do not share personal and financial information with your affiliated companies.

Restrict Information Sharing With Other Companies We Do Business With To Provide Financial Products And Services: Unless you say “No,” we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.

(_) NO, please do not share personal and financial information with outside companies you contract with to provide financial products and services

‍

Time Sensitive Reply 

You may make your privacy choice(s) at any time. Your choice(s) marked here will remain unless you state otherwise. However, if we do not hear from you we may share some of your information with affiliated companies and other companies with whom we have contracts to provide products and services.

Name:________________________________________________

Account or Policy Number(s): ________________________________________________

Signature:________________________________________________

To exercise your choices do [one of] the following:  

(1) Fill out, sign and send back this form to us at 548 Market St #31306, San Francisco, CA 94104 (you may want to make a copy for your records);

(2) Call this toll-free number (800) 560-3450;

(3) Reply electronically by contacting us through the following Internet option: hello@unlock.com.