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Factual Terms of Service

Effective date: August 10, 2016

By using the website at www.factual.com (the "Site"), any Factual Application Program Interfaces and related materials (“APIs”), any Factual applications (“Apps”), any data obtained from the APIs (“Data”), or any other services provided by Factual Inc. (the Site, APIs, Apps, Data and all other Factual services, collectively, the "Services"), you agree to these Terms of Service.

If you are under 18 years of age, you may not use the Services. Factual may modify these Terms of Service at any time, and you agree to be bound by such modifications if you continue to use the Services. We will notify you by making the revised version available on this page, and an updated revision date will indicate that changes have been made. If you have entered into a negotiated agreement that has been signed by Factual that governs your use of the Services that by its terms supersedes these Terms of Service, your use of the Services included in that agreement is governed by such agreement.

  1. ACCOUNTS AND PASSWORDS

    To use some of the Services, including the APIs, you may be required to create an account. Any information submitted as part of the registration process must be accurate and complete. You are solely responsible for activity that occurs in your account. You should keep your password and/or API key confidential and notify us immediately of any unauthorized use of your account. We reserve the right to close your account at any time for any or no reason, with or without notice, and in such case, you may not reopen an account without our express written permission.

  2. ADDITIONAL TERMS

    When using the Services, you are subject to any additional policies, guidelines or rules applicable to specific services and features which may be posted from time to time (collectively, the "Additional Terms"). You can find Additional Terms that apply to your use of our APIs, Data, and Apps at the following links: https://www.factual.com/tos/api-data-terms, and https://www.factual.com/tos/app-terms. All such Additional Terms are incorporated by reference into these Terms of Service.

  3. TERMINATION; BREACH

    We may terminate your ability to use the Services at any time for any reason or no reason, with or without notice. Additionally, your rights to use the Services (including all licenses) will terminate immediately if you breach any of the Terms of Service. Upon termination for any reason or at Factual’s earlier request, you will immediately delete any Data, Apps, or other materials you have obtained by using the Services and you will immediately cease use of the Services.

  4. THE SITES

    All of the information and data made available via the Sites (“Site Data”) is provided solely to enable you to learn about Factual and the Services. You are not licensed to store, copy, or use any Site Data for any other purpose. Without limiting the foregoing, any storage, copying, or use of Site Data in or in connection with any product or service is a material breach of these Terms of Service.

  5. PROHIBITIONS

    You may not do any of the following:

    • sell, resell, redistribute, or sublicense the Services or otherwise charge third parties for access to the Services;
    • reverse engineer, decompile, disassemble, modify or adapt the Services, merge any Factual software into another program, or create derivative works of the Services;
    • upload any User Content (defined below) that:
      • is illegal, defamatory, libelous, deceptive, fraudulent, obscene, or offensive;
      • is not relevant, accurate, or representative of your knowledge of a place;
      • contains software viruses or other code designed to disrupt our systems or the systems of any third parties; or
      • violates any third-party rights or agreement.
    • take any action that interferes or may interfere with any Service, including but not limited to:
      • deleting any copyright or proprietary notices;
      • creating user accounts by automated means;
      • impersonating any person or entity; or
      • using the Services for any illegal purpose.

  6. PRIVACY POLICY

    When you use the Services, you and we are subject to Factual’s Privacy Policy at www.factual.com/privacy.

  7. SERVICE MODIFICATIONS AND AVAILABILITY, FEES

    Factual reserves the right to modify or discontinue any or all of the Services at any time, for any or no reason, with or without notice. We may also schedule system downtime and unplanned system outages may occur.

    Factual reserves the right to charge fees for any or all of the Services. In such case, the fees will be disclosed to you before the fees take effect. If you do not agree to such charges, simply discontinue your use of the Services. If you continue using the relevant Services after the fees take effect, you have agreed to the fees.

  8. PROPRIETARY RIGHTS AND TRADEMARK

    All Factual trademarks, service marks, logos, and trade names (“Factual Marks”) are owned solely by Factual. All third-party trademarks, service marks, logos, and trade names are the property of their respective owners and their use within the Services is not meant to convey any relationship with or endorsement by such third parties. Except as expressly authorized by Factual, you may not use or display any mark, name, trade name, or logo appearing within the Services without the owner's prior consent or other legal authorization. 


  9. USER CONTENT

    If you contribute data or other content (“User Content”) to Factual, you hereby grant us a perpetual, irrevocable, worldwide, non-exclusive, royalty-free, sublicensable, transferable right to use your User Content for any purpose, including displaying your User Content on the Site and elsewhere and creating derivative works, and you irrevocably waive all claims and assertions of moral rights or attribution associated with your User Content. We have no obligation to monitor or delete User Content, but we reserve the right to delete or modify User Content at any time, for any or no reason. You represent and warrant that you have all necessary rights and authority to provide the license described above.

    In addition, you represent and warrant that your User Content does not contain material or links to material that infringes upon any third party rights including, without limitation, copyright, patent, trademark, trade secrets, or rights of publicity or privacy.

  10. DISCLAIMERS, NO WARRANTIES

    The Services are provided as-is and as available. Factual and its shareholders, subsidiaries, affiliates, officers, directors, employees, contractors, agents, representatives, business partners, vendors, clients, licensors, and advisors (“Factual Entities”) expressly disclaim any warranties and conditions of any kind, whether express or implied, including the warranties or conditions of merchantability, fitness for a particular purpose, title, quiet enjoyment, accuracy, or non-infringement. Among other things, the Factual Entities make no warranty that: (a) the Services will meet your requirements; (b) the Services will be available on an uninterrupted, timely, secure, or error-free basis; or (c) the information that may be obtained from the Services will be accurate or reliable. For example, the Factual Entities are not responsible for any inaccuracies in any Data accessed via the Services regardless of the cause. The Factual Entities are not responsible for the conduct of any user of the Services. The Factual Entities are not responsible for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction, or unauthorized access to, or alteration of, any communication with other users. The Factual Entities shall have no liability whatsoever for the unavailability of the Services or for any loss of data or transactions caused by planned or unplanned system outages or the resultant delay, misdelivery, or nondelivery of information caused by such system outages. Under no circumstances shall the Factual Entities be responsible for any loss or damage, including property damage, personal injury or death, resulting from use of the Services or anything downloaded or received from the Services.

  11. LIMITATIONS OF LIABILITY

    In no event shall the Factual Entities be liable to you or any third party for any lost profit or any indirect, consequential, exemplary, incidental, special, or punitive damages arising from or related to the Services or your use of the Services, even if the Factual Entities have been advised of the possibility of such damages. Notwithstanding anything to the contrary contained herein, the Factual Entities’ liability to you for any damages arising from or related to the Services or your use of the Services (for any cause whatsoever and regardless of the form of the action), will at all times be limited to the greater of $5 or the amounts you have paid to Factual for the Services, if any. This limitation of liability inures to the benefit of any successor to the Factual Entities and, in each case, liability is limited to the fullest extent permitted by law. Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitation or exclusion may not apply to you and you may also have other legal rights that vary from jurisdiction to jurisdiction.

  12. INDEMNITY

    You will indemnify, defend, and hold harmless the Factual Entities from and against any and all claims, demands, actions, costs, liabilities, losses, and damages of any kind (including attorneys' fees) arising from or related to your use of the Services, any User Content you provide, your violation of any applicable laws or regulations, and your breach of any of these Terms of Service.

  13. WAIVER

    Factual’s failure to exercise or enforce any right or provision of these Terms of Service will not constitute a waiver of such right or provision. Any waiver of any provision of these Terms of Service will be effective only if made explicitly, in writing and signed by Factual.

  14. RELATIONSHIP OF PARTIES

    These Terms of Service do not create any agency, partnership, joint venture, employee-employer or franchiser-franchisee relationship. These Terms of Service are solely between you and Factual and are not for the benefit of any third party.

  15. GOVERNING LAW AND JURISDICTION, ARBITRATION

    These Terms of Service are governed by the laws of the State of California. You are responsible for complying with all applicable local laws, both within and outside the United States, including laws that would require you not to use the Services. Any action arising under or related to these Terms of Service will be resolved by arbitration (and the parties hereby consent to personal jurisdiction) in Los Angeles County, California, in accord with the Commercial Dispute Resolution Procedures of the American Arbitration Association and, in the case of injunctive or provisional relief, the Rules for Emergency Measures of Protection. The arbitration will be decided by a single arbitrator whose decision will be final and binding and may be enforced in any court of competent jurisdiction. The prevailing party is entitled to reasonable attorneys’ fees and costs. The arbitration will be kept confidential except as required by law. Any claims arising under or related to these Terms of Service must be brought in the initiating party’s individual capacity and not as a plaintiff or class member in any class action or other similar proceeding.

  16. ENTIRE AGREEMENT

    The Terms of Service (including all relevant Additional Terms) are the entire agreement between you and Factual relating to the subject matter herein and cannot be modified except in a writing signed by both parties, or by a change made by Factual as set forth above.