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Master Services Agreement

Last Updated: December 8, 2020

Welcome to Array.

This Master Services Agreement, together with our Privacy Policy, any applicable proposal, pricing schedule or service order (each an “Order”), or any additional product or service policies (collectively the “Agreement”) is a legally binding agreement by and between Array, LLC (“Company”, “us” or “we”), and the entity or person (“Client”, “you” or “your”) executing an applicable proposal, work order or pricing schedule (an “Order”). This Agreement describes the terms and conditions, and governs access to and use of Company’s proprietary service oriented platform (the “Platform”).

The “Effective Date” of this Agreement is the earlier of (a) the date on which Client first accesses or uses the Platform or (b) the date on which Client executes an Order which is agreed to by the Company.

Company may modify this Agreement from time to time in accordance with Section 13 (Modifications) below. All exhibits or other documents attached hereto, linked to and otherwise referred to herein, are hereby incorporated herein and made a part of this Agreement for all purposes as if fully set forth herein.


Corporate:
Array US, Inc. 6 St Johns Lane New York, NY 10013

Compliance:
Array US, Inc. 315 SE Mizner Blvd Ste 211, Boca Raton, FL 33432

Puerto Rico:
Array PR, Inc. and Array, LLC 304 Ponce De Leon Ave STE 0105, San Juan, PR 00918

1.PLATFORM SERVICES

The Platform and related Products and Services, along with the licensed uses and restrictions are defined here.

  1. 1.PLATFORM SERVICES
    1. 1.1Platform Services. The Platform includes various tools and features that provide access to, integrated display of and delivery of certain consumer data (“Data”) in conjunction with and through Company and third party products and services (“Products”)(collectively the "Platform Services").
      1. 1.1.1 Order. The Platform Services and related Products offered and made available to Client shall be set forth in an applicable Order. If you use the Platform Services and such Products, you accept and agree to any additional terms and conditions applicable to such Products, if any, as set forth herein or as provided to you at the time of such use.
      2. 1.1.2 Client. For the purposes of this Agreement, “Client” means any individual, corporation, partnership, limited liability company, association, trust, unincorporated entity or other legal entity placing an Order or otherwise accessing or using the Platform, and its employees, representatives, consultants, contractors, partners, agents or affiliates who are authorized by such Client to access and use the Platform, each of which whom shall agree to be bound by this Agreement.
  2. 1.2License. Subject to Client's compliance with the terms and conditions of this Agreement, and as may be provided in an Order, the Company hereby grants Client during the applicable term of an Order, the non-exclusive, non-transferable, and non-sublicensable right and license to access and use the Platform in accordance with the terms and conditions set forth herein and in the applicable Order, and specifically: (i) to utilize and exploit the Platform solely to market and sell the Products as set forth in an applicable Order; and (ii) to allow end user consumers, customers and/or subscribers (collectively the “Subscribers”) to access, view and use the applicable Data and Products on or through the Platform, subject to certain Product limitations. Except as provided herein, Client may not disclose to or provide any third party access to, use of, or rights in or to the Platform, except as third parties may access or use the Platform in relation to the Client’s ordinary course of business. Except for the license granted hereunder, as between the parties, Company retains all right, title and interest in and to the Platform.
    1. 1.2.1Reservation of Client Rights. Reservation of Client Rights. Except as expressly set forth herein or otherwise agreed upon by the parties hereto, Company acknowledges and agrees that Client's use of the Platform and Platform Services does not grant Company any right, title or interest in any information, content, or data obtained by Client from a source other than Company and used by Client in conjunction or association with the Platform Services and Company shall not make any claim of ownership or interest in any such information, content, or data.
  3. 1.3Restrictions. Except as otherwise explicitly provided herein or in an applicable Order, or as may be expressly permitted by Applicable Law, Client will not, and will not permit or authorize any third party to: (i) modify, and/or make derivative works of, disassemble, reverse compile and/or reverse engineer any part of the Platform, or reverse engineer, decompile, disassemble, extract, or otherwise derive or attempt to derive the source code of the Platform or any other compiled software provided or made available by Company hereunder; (ii) use or permit the use of, reproduce or otherwise duplicate, disclose, distribute, modify, encumber, time-share, license, sublicense, sell, distribute, assign, rent, lease, or transfer the Platform, any portion thereof, or any of Client’s rights thereto; (iii) frame and/or utilize framing techniques to enclose any trademark, logo, and/or other portion of the Platform (including images, text, page layout, and/or form); (iv) use any metatags and/or other “hidden text” using Company’s name and/or trademarks; (v) use and/or access the Platform in order to build a similar and/or competitive platform; (vi) copy, reproduce, distribute, republish, download, display, post and/or transmit any part of the Platform in any form and/or by any means; (vii) remove, obliterate, or cancel from view any copyright, trademark, or other proprietary or confidentiality notice or legend appearing on or in the Platform or any materials provided or made available by Company hereunder, or fail to reproduce any such notice or legend on any copy made of any such materials; (viii) take any action that materially interrupts or interferes with, or that might reasonably have been expected to materially interrupt or interfere with, the Platform , Company’s business operations or other customers; (ix) run any form of auto-responder and/or “spam” on or through the Platform or use the Platform to otherwise send “spam” to any third-party; (x) use the Platform in any unlawful way or for any unlawful purpose and/or to violate any federal, state, international law, code of conduct and/or other guidelines which may be applicable to the Platform ; (xi) circumvent or disable any security or technological features or measures of the Platform , (xii) use the Platform to access, store, distribute or transmit any viruses, worms, trojan horses, or other similar things or devices that may prevent, impair or otherwise negatively affect the operation of any software, hardware, network, program or data; (xiii) use the Platform to transmit any material that is unlawful, harmful, threatening, defamatory, obscene, infringing, harassing or racially or ethnically offensive, facilitates illegal activity or causes damage or injury to any person or property; and/or (xiv) use the Platform to conduct or forward illegal contests, pyramid schemes, chain letters, unsolicited or unauthorized advertising, or unsolicited email or multi-level marketing campaigns; and/or (xv) access the Platform or Data for any purpose which is not authorized under this Agreement.
  4. 1.4Systems. Client shall ensure that its network and systems comply with the relevant specifications provided by Company from time to time and shall provide Company with information as may be required by Company in order to render access to the Platform . Client is responsible for obtaining, maintaining, and supporting all internet access, computer hardware, and other equipment and services needed for it to access and/or use the Platform. The Client will determine the access controls for the Subscribers and will be responsible for its activity on or through the Platform, including compliance with this Agreement. Client agrees to use commercially reasonable efforts to prevent unauthorized access to, and/or use of the Platform and notify Company immediately of any unauthorized use of Client’s account and/or any other known breach of security.
  5. 1.5Maintenance. The Company will use its best efforts to provide standard maintenance for the Platform during the term of this Agreement, which will include enhancements, "bug fixes" and other minor modifications as may be identified by the Company from time to time. The Company may make additional modifications or releases to the Platform and the underlying source code as the Company may determine in its sole and absolute discretion.
  6. 1.6Third Party Service Providers. The Platform and Platform Services may contain code, content, features, functionality, components and certain products and services (collectively the “Features”) that are provided by third-parties. Any such third-party Features shall be provided “AS IS” without warranty of any kind by Company. All rights and obligations with respect to any such third-party Features shall be governed exclusively by the terms and conditions of agreements provided by suppliers of said third-party Features and Client hereby releases Company from all liability and responsibility with respect thereto.
  7. 1.7Suspension. Client is responsible for maintaining the security of its account, and Client is fully responsible for all activities that occur with respect to its use of the Platform and by any Subscribers. Notwithstanding anything herein to the contrary, Company reserves the right, without liability to the Client, to disable or suspend the Client’s access to the Platform in the event (i) of any breach (or anticipated breach with advance notice and an opportunity to rectify and/or cure) of this Agreement; (ii) Client or its Subscribers use of the Platform disrupts or poses a security risk to the Platform or any customer, may harm Company’s systems, or any provider of any third-party services, or may subject Company or any third-party to liability; (iii) Client or its Subscribers are using the Platform for fraudulent or illegal activities; (iv) Client violates any Applicable Law, specifically including without limitation, the Telephone Consumer Protection Act and Fair Credit Reporting Act; or (v) Company’s continued provision of any of the Platform is prohibited by Applicable Law or regulation.
  8. 1.8Exclusivity. In consideration of the Agreement, and for the Company to provide the Platform and Platform Services to Client, Client agrees that the Agreement shall be exclusive as to the Client, and that Company will be the sole provider of the same or similar Platform Services, including providing access to supported Products, for the term of the Agreement. CLIENT EXPRESSLY ACKNOWLEDGES AND AGREES THAT CLIENT’S FAILURE TO COMPLY WITH THE OBLIGATIONS SET FORTH HEREIN SHALL BE DEEMED A MATERIAL BREACH OF THE AGREEMENT.
2.DATA AND INTEGRATED PRODUCTS
  1. 2.DATA AND INTEGRATED PRODUCTS
    1. 2.1Data Providers. Client understands and agrees that the Data offered through the Platform and/or used in conjunction with the Products is collected and compiled from various third party data and service provider sources (each a “Data Provider”). As such, Data is not being provided by the Company and is solely hosted and/or provided by and through such Data Providers. In addition, certain Products provided or made available in connection with the Platform Services are provided pursuant to the terms of applicable third-party agreements, including but not limited to agreements with Data Providers. You may be required to agree to additional terms and conditions that apply to and govern the use of certain Data and/or Products (“Applicable Data Terms”). Your use of the Data and Products constitutes such agreement, and you further agree to execute any additional document requested by a Data Provider to authorize or confirm any Data request. Any Data or Products provided by third parties, including Data Providers shall be provided “AS IS” without warranty of any kind by Company. Company assumes no responsibility for, and specifically disclaims any liability or obligation with respect to, any third-party Data and Products.
  2. 2.2Representations and Warranties Client represents and warrants that (a) it shall market the Data and related Products solely and directly to or for the benefit of the Subscribers; (b) it shall use the Data only for an intended and permissible purpose under this Agreement and/or an applicable Order, and no other purpose including no purpose prohibited by law; (c) it shall use and provide access to the Data and related Products only in accordance with Applicable Laws and Applicable Data Terms, and when and where required, upon the written instructions and consent of the Subscribers to whom such Products relate; (d) it shall request and use the consumer credit data strictly in accordance with the FCRA, understanding and acknowledging that THE FCRA PROVIDES THAT ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES SHALL BE FINED UNDER TITLE 18 OR IMPRISONED NOT MORE THAN TWO YEARS OR BOTH; and (e) it shall maintain strict procedures to ensure that such Products are not obtained by any unauthorized person and/or entity. Company represents and warrants that (a) it has the right to access and provide access to the Consumer Data from Data Providers; and (b) that Company is in compliance with all Applicable Laws.
  3. 2.3Privacy. Wherever Client collects personally identifiable information from its website users and/or Subscribers, which will be used in conjunction with the ordering of any Data through the Platform, Client agrees to clearly and conspicuously post a link to an easily understood Privacy Policy on each of its websites where it is collecting such information. Such privacy policy shall: (i) comply with all Federal Trade Commission guidelines and any other laws, rules, and regulations with respect to personally identifiable information and online privacy and online privacy of minors, including all Applicable Laws; (ii) identify the nature and scope of the collection and use of information gathered by Client; and (iii) provide the user and/or Subscriber with instructions as to opting-out from such collection and use of personal data. Company shall have no liability, to any third party or to Client, in the event that Client does not comply with this Section 2.1.2.
  4. 2.4Changes. Company shall have the right to modify or discontinue access to or delivery of any or all of the Data, if it believes in good faith that it cannot provide the Data without violating Applicable Laws or due to the requirements of any contract with a Data Provider. Under the foregoing circumstances, Client agrees that the Company can terminate access to or delivery of such affected Data and related Products without penalty, financial obligation, or liability of any kind to Client.
  5. 2.5Marketing Materials. Client agrees that it shall not use the terms and/or phrases listed below in any marketing and/or advertising of the Data and related Products:
    • Client must not use the following terms, "improve," "enhance," "boost," "raise," or "increase" in the same phrase as "score" or "rating,"
    • Client must not use the phrases "credit repair," "credit rebuilding," "credit fix," "repair your credit," "fix your credit," or combinations of those words.
    • Client must not use the terms "advice," "tips," "suggestions" or "instructions" in the same phrase as "improving," "enhancing," "boosting," "raising" or "increasing" a credit score or credit rating.
    • When making a statement about the performance of analytic tools available in conjunction with the Products (e.g., a score simulator), marketing and advertising materials must not suggest that a simulated score (or its equivalent) is “always” predictive of one's actual score.
  6. 2.6Subscriber Agreement. Unless otherwise allowed under Applicable Laws or Applicable Data Terms, each Subscriber shall be required to enter into an agreement or provide other authorization containing certain terms and conditions related to the access and/or use of the Subscriber’s Data, and when and where required, shall, include disclosures similar to those set forth herein (the "Subscriber Disclosures"). Such Subscriber Disclosures shall govern the Subscriber's consent and access to, use, and distribution of the Data and related Products, as well as the Subscriber's affirmation of such consent. The Subscriber Disclosures may be amended and/or updated by the Company, or as required by a Data Provider from time to time, and Client agrees to make such modifications or changes to the Subscriber Disclosures and the verbiage therein as Company, or a Data Provider, may request.
    1. 2.6.1Sample Subscriber Disclosures.
      • Sample Web Page Disclaimer 1:“You understand that by [checking this box and] clicking on the ‘I Accept’ button below, you agree to the terms and conditions, acknowledge receipt of our privacy policy and you are providing ‘written instructions’ under the FCRA to [Client] authorizing [Client] to obtain information from your personal credit profile from each credit reporting agency. You authorize [Client] to obtain such information solely to confirm your identity and display your credit data to you.”
      • Sample Web Page Disclaimer 2:“By [checking this box and] clicking on the ‘I Authorize’ button below, you agree to the terms and conditions, acknowledge receipt of our privacy policy and agree to its terms, and confirm your authorization for [Client] to obtain your credit profile from any consumer reporting agency to display to you, to confirm your identity to avoid fraudulent transactions in your name, and to enable any consumer reporting agency to monitor your credit for changes.”
      • Terms and Conditions Disclaimer:“You understand that by clicking on the "I Accept" button and signing up for services, you are providing "written instructions" to [Client] and its employees, agents, subsidiaries, affiliates, contractors, third party data sources and suppliers, and all other credit reporting agencies under the Fair Credit Reporting Act (FCRA), as amended, to access your credit files from each national credit reporting agency and to exchange information about you with each such national credit reporting agency in order to verify your identity and to provide the products and/or services to you. You agree and hereby authorize Company, its agents and employees, to provide your personally identifiable information (or, if applicable, information about your child you have enrolled) to third parties as provided in our Privacy Policy, as may be amended from time to time, You waive any and all claims against Company and its agents and employees for the acts or omissions of these third parties with regard to the use or disclosure of such information. Your further authorize Company and its agents and employees to obtain various information and reports about you (or about your child that you have enrolled, if applicable) in order to provide the products and/or services, including, but not limited to, address history reports, name and alias reports, criminal reports or sex offender reports, and to provide monitoring and alerts.”
      • Privacy Policy/Terms and Conditions Disclaimer:“While enrolling for the products and/or services, we will ask you for the following types of information: contact information (such as name, address, phone number, and email address); sensitive information (such as date of birth, driver's license number and social security number); personal information to verify your identity and financial information (such as credit card number). This information is required in order to verify your identity, charge you the agreed upon fees for our products and services, and to fulfill our obligation to provide our products and services to you, including communicating with third parties as necessary to provide such products and services, such as identification verification companies, consumer reporting agencies, payment validation companies, law enforcement agencies, or others.”
  7. 2.7Products. Company provides access to a variety of Products through the Platform. Specific details on the Products can be found at the website www.array.com. Some of the Products include, but are not limited to, the following:
    1. 2.7.1My Credit Manager. A collection of credit Products, features and tools including credit reports, credit scores, credit alerts, and a full service white label customer platform.
    2. 2.7.2Identity Protect. $1 million coverage of identity theft insurance, including other features such as identity alerts and monitoring.
    3. 2.7.3Offers Engine. A credit reporting tool whereby a Client can order and view a report of certain defined consumer credit data via a soft credit pull, for the purpose of providing personalized credit offers to the consumer.
  8. 2.8Obligations under the FCRA. Where a Client has access to and uses a consumer report, Client must abide by the certain rules set forth under the Fair Credit Reporting Act (FCRA). The "Notice to Users of Consumer Reports: Obligations of Users Under the FCRA" is available here.
  9. 2.9Client Branding and Marketing. Client is responsible for all marketing efforts pertaining to the use and access to the Data and related Products. Client acknowledges that the Company may request from time to time that Client submit for prior approval, which approval will not be unreasonably withheld, any and all brochures, press releases, internet postings, marketing, advertising promotional or any other materials to be used by Client in conjunction with the marketing of the Data and/or Products.
    1. 2.9.1Branding. Client is responsible for providing its own branding, including trade names, trademarks, service marks and logos, as well as securing a URL for use with the Platform and the Products. Client is solely responsible for securing a URL via a registrar service, as well as.clearing and registering any trade names, trademarks, service marks and logos, trademark or other intellectual property rights or concerns connected with a brand or URL.
    2. 2.9.2Website. Company may provide access to pre-coded web styling and features to build a website with Platform integration and access to the Products. Company shall assist in Client website branding, including incorporation of Client name and logo and skinning of the website in Client’s selected primary and secondary colors. Client shall utilize the Platform to market and offer supported Products to its Subscribers. Client shall be fully responsible for website compliance with all Applicable Laws, including but not limited to those relating to terms of use, privacy policies, and ADA accessibility.
    3. 2.9.3Reputation. Client acknowledges and agrees that it will maintain relationships with applicable business reputation, consumer marketplace and/or consumer review businesses and websites (e.g. Better Business Bureau, Consumer Business Alliance, etc.) (hereinafter “Business Review Sites”), and will timely respond to all inquiries and requests from any Business Review Site. Additionally, Client acknowledges and agrees that it will timely respond to any governmental agency or governmental authority (e.g. Attorney General, Federal Trade Commission, etc.) inquiry or request.
3.FEES; PAYMENTS

We do charge for our services. This is how the fees and payment process works.

  1. 3.FEES; PAYMENTS
    1. 3.1Fees. In consideration of the access to and use of the Platform and Platform Services, Client agrees to pay Company the fees set forth in the applicable Order in accordance with the terms and conditions set forth herein, as may be amended or revised from time to time (“Fees”). All Fees, expenses and taxes due hereunder will be paid in U.S. dollars and shall be remitted to the Company within thirty (30) days of invoicing. All Fees due and payable by Client to Company under this Agreement must be paid in full without any deduction, set-off, counterclaim or withholding of any kind unless required by law. If a Client fails to pay the full amount of the charges detailed in any invoice within thirty (30) days after the invoice date, then the unpaid amounts of such invoice shall accrue interest at a rate of 1.5% per month or, if less, the maximum rate permitted by law.
  2. 3.2Payment. Client shall pay Company for the Fees due hereunder via check, wire transfer, ACH, or credit card. If Client elects to pay via credit card, Fees shall be deducted from a credit card account designated by Client.
  3. 3.3Taxes. The Fees do not include sales, use, or excise taxes, or any other similar taxes or fees assessed by any state or local authority (collectively, "Sales Taxes"). If applicable, Client shall disclose to Subscribers that Sales Taxes will be charged and the amount thereof. Client shall be solely responsible for collecting all Sales Taxes due in connection with sales of the Products and remitting, when due, to the appropriate governmental authorities, all such Sales Taxes. Client agrees to provide the Company, upon request with evidence of all Sales Tax payments to governmental authorities concurrently with payment. Client shall indemnify, defend, and hold harmless the Company for any and all such Sales Taxes and any damages incurred by the Company in connection with Client's failure to properly collect and deliver to the appropriate government authorities on a timely basis all required Sales Taxes.
  4. 3.4Disputed Amounts. If Client disputes any charge or amount on any invoice or statement, and such dispute cannot be resolved promptly through good-faith discussions between the parties, Client shall pay the amounts due under this Agreement minus the disputed amount and the parties shall diligently proceed to resolve such disputed amount through arbitration, as set forth in Section 13.10, within forty-five (45) days from the date of the invoice. An amount will be considered disputed in good faith if (i) Client delivers a written statement to Company on or before the due date of the invoice, describing in detail the basis of the dispute and the amount of the dispute or amount being withheld by Client, (ii) such written statement represents that the amount in dispute has been determined after due investigation of the facts and that such disputed amount has been determined in good faith, and (iii) all other amounts due from Client that are not in dispute have been paid in accordance with the terms of this Agreement.
  5. 3.5Access. Company may, without liability to Client, disable the password, account, and/or access to all or part of the Platform if any undisputed Fees are not paid within thirty (30) days of such Fees first becoming due and payable under this Agreement. In the event of the foregoing, the Company shall not be obligated to provide access to or use of the Platform until such Fees are paid in full.
4.TERM AND TERMINATION

This explains how long this agreement will last and why this agreement may be terminated.

  1. 4.TERM AND TERMINATION
    1. 4.1Term. This Agreement shall commence on the Effective Date and unless otherwise specified in an Order, shall continue for a period of one (1) year (the “Initial Term”), and thereafter automatically renew for additional one (1) year terms (each a “Renewal Term”, collectively the “Term”). Either party can terminate this Agreement at any time upon at least thirty (30) days prior written notice of such party's intent to terminate this Agreement. Termination shall not relieve either party of obligations incurred prior thereto..
  2. 4.2Termination for Cause. Either party may terminate this Agreement immediately upon written notice to the other party (i) if the other party files a petition for bankruptcy, becomes insolvent, or makes an assignment for the benefit of its creditors, or a receiver is appointed for the other party or its business, or (ii) if the other party breaches or fails to perform in any material respect any of its material obligations under this Agreement, and does not cure such breach or failure within seven (7) days after receipt of written notice of the breach or failure. Notwithstanding the foregoing, in the event that a change in Applicable Law or Data Provider requirement results in Company no longer being able to offer the Platform or the Products in a commercially reasonable manner as determined by Company, Company shall have the right to terminate this Agreement without penalty upon thirty (30) days’ notice.
  3. 4.3Obligations After Termination. Upon termination, Client will pay all outstanding fees, charges and expenses owed through the Term of this Agreement, or any period thereafter that then the current Subscribers continue to access and use the Platform.
5.REPRESENTATIONS AND WARRANTIES

We strictly comply with rules and regulations.

  1. 5.REPRESENTATIONS AND WARRANTIES
    1. 5.1Applicable Law. Each party represents and warrants that it will comply with all local, state and federal laws, rules and regulations, as applicable, including, without limitation, the Gramm-Leach Bliley Act, 15 U.S.C. §§6801-6809, the Telemarketing and Consumer Fraud and Abuse Prevention Act, 15 U.S.C. §§6101-6108, the Telemarketing Sales Rule Act, 16 C.F.R. pt. 310, the Fair Credit Reporting Act (U.S.C. §1681m(a)), the Federal Trade Commission Act, the Children’s Online Privacy Protection Act, the CAN-SPAM Act of 2003, the Telephone Consumer Protection Act (42 U.S.C. 227), provisions relating to the National Do Not Call Registry ((16. C.F.R. Part 310) and applicable state Do Not Call List requirements, the Fair Debt Collection Practices Act, the Dodd-Frank Wall Street Reform and Consumer Protection Act including but not limited to Section 1031 and 1036, 12 U.S.C §§5531, 5536, Section 5 of the FTC Act, the Fair Debt Collection Practices Act, the Federal Communications Act, and any other relevant local, state, federal or international laws (collectively, “Applicable Laws”).
  2. 5.2Company Representations. Company represents, warrants, covenants and agrees that Company’s provision of the Data or Products via the Platform as contemplated by the parties in this Agreement does not violate either any third party contractual restrictions relating to the Company’s access or use of any such Data or Products.
  3. 5.3Client Representations. Client represents, warrants, covenants and agrees that: (i) Client will avoid deceptive, misleading or unethical practices that are or might be detrimental to the Company or its Data and Providers, or their respective business or reputation; (ii) Client will make no intentionally false or misleading representations with regard to the Company or its Data Providers (iii) Client will not intentionally publish or employ, or cooperate in the publication or employment of, any misleading or deceptive advertising material with regard to the Company or any Products; and/or (iv) Client will not modify any Data or Products in any manner (other than the "look and feel").
6.CONFIDENTIALITY; NON-DISCLOSURE

We take Confidential information very seriously.

  1. 6.CONFIDENTIALITY; NON-DISCLOSURE
    1. 6.1Confidential Information. "Confidential Information" means any non-public data, information and other materials regarding the products, software, services, customer list, or business of a party (and/or, if either party is bound to protect the confidentiality of any third party’s information, of a third party) provided to the other party where such information is marked or otherwise communicated as being “proprietary” or “confidential” or the like, or where such information should, by its nature, be reasonably considered to be confidential and/or proprietary. Without limiting the foregoing, any software, performance data, benchmark results, and technical information relating thereto, pricing information and the terms and conditions of this Agreement (but not its existence) shall be deemed Confidential Information. The party disclosing Confidential Information shall be referred to herein as the “Disclosing Party” and the party receiving Confidential Information shall be referred to herein as the “Receiving Party.”
  2. 6.2Disclosure. Each party shall at all times keep and maintain the confidentiality of all Confidential Information, and shall not use or reproduce Confidential Information except for the purposes provided herein and shall not disclose any Confidential Information to any third party (other than to its legal, accounting or other professional representatives on as needed basis, provided such party has an obligation to keep the same confidential). Each party shall inform its employees, marketers, agents and contractors of the nondisclosure requirements set forth in this Agreement and shall obtain their respective commitments to abide by such requirements. Each party hereto shall be responsible for the actions of any of its employees, marketer, agents, affiliates or contractors that would constitute a violation of such party's rights under this section if such violation had been committed directly by such party. Notwithstanding the above, the party receiving Confidential Information (“Receiving Party”) of the other (“Disclosing Party”) may disclose certain Confidential Information of the Disclosing Party, without violating the obligations of this Agreement, to the extent the disclosure is required by a valid order of a court or other governmental body having jurisdiction, provided that the Receiving Party provides the Disclosing Party with reasonable prior written notice of such disclosure and makes a reasonable effort to obtain, or to assist the Disclosing Party to obtain, a protective order preventing or limiting the disclosure and/or requiring that the Confidential Information so disclosed be used only for the purposes for which the law or regulation required, or for which the order was issued.
  3. 6.3Exclusions. Confidential Information shall not include information that: (i) is or becomes generally known or available to the public at large other than as a result of a breach by the Receiving Party of any obligation to the Disclosing Party; (ii) was known to the Receiving Party free of any obligation of confidence prior to disclosure by the Disclosing Party; (iii) is disclosed to the Receiving Party on a non-confidential basis by a third-party who did not owe an obligation of confidence to the Disclosing Party and does not reasonably appear to have obtained the information improperly or from an unauthorized source; or (iv) is developed by the Receiving Party independently of and without reference to any part of the Confidential Information. Confidential Information shall not be deemed to be in the public domain or generally known or available to the public merely because any part of said information is embodied in general disclosures or because individual features, components or combinations thereof are now or become known to the public.
  4. 6.4Injunction. Each party acknowledges that a breach of this Section 6 - Confidentiality; Non-Disclosure, may result in irreparable and continuing damage to the Disclosing Party for which monetary damages may not be sufficient, and agrees that the Disclosing Party will be entitled to seek, in addition to its other rights and remedies hereunder or at law, injunctive or all other equitable relief, and such further relief as may be proper from a court of competent jurisdiction. The terms of this Section 5 shall survive the expiration or termination of this Agreement.
7.DISCLAIMERS AND OTHER LIMITATIONS

We are building the best service we can but we can't promise it will be perfect.

  1. 7.DISCLAIMERS AND OTHER LIMITATIONS
    1. 7.1No Warranty. EXCEPT AS EXPRESSLY SET FORTH IN THIS AGREEMENT, THE PLATFORM AND PLATFORM SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND THE COMPANY MAKES NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. NO WARRANTIES WILL BE CREATED BY COURSE OF DEALING, COURSE OF PERFORMANCE, OR TRADE USAGE, INCLUDING, WITHOUT LIMITATION, WITH RESPECT TO THE ACCURACY, VALIDITY, OR COMPLETENESS OF ANY CONSUMER DATA, AND THE COMPANY EXPRESSLY DISCLAIMS ALL SUCH REPRESENTATIONS AND WARRANTIES. THE COMPANY DOES NOT WARRANT THAT THE PLATFORM OR PLATFORM SERVICES, INCLUDING THE DATA AND THE PRODUCTS WILL BE FREE FROM ERRORS, WILL MEET THE COMPANY'S OR A CONSUMER USER'S NEEDS, OR WILL BE PROVIDED ON AN UNINTERRUPTED BASIS SUBJECT TO THE BOUNDARIES OF THIS AGREEMENT. COMPANY EXERCISES NO CONTROL OVER AND EXPRESSLY DISCLAIMS ANY LIABILITY ARISING OUT OF OR BASED UPON CLIENT’S USE OF THE PRODUCTS OR ANY DATA.
  2. 7.2Limited Liability. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT AND/OR ANY ORDER, NEITHER PARTY NOR THEIR RESPECTIVE SERVICE AND DATA PROVIDERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE AND/OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, LOSS OF GOODWILL, LOSS OF USE, LOSS OF DATA, OR OTHER INTANGIBLE LOSSES ARISING OR RESULTING FROM USE OF THE PLATFORM OR PLATFORM SERVICES, EVEN IF SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. EXCEPT FOR BREACHES OF SECTIONS 1.3, 2.1.1, 2.1.2, 3, 5 AND 6, UNDER NO CIRCUMSTANCES WILL EITHER PARTY’SOR ITS SERVICE OR DATA PROVIDERS’ TOTAL AND CUMULATIVE LIABILITY FOR DAMAGES ARISING OUT OF AND/OR IN CONNECTION WITH THIS AGREEMENT REGARDLESS OF THE FORUM AND REGARDLESS OF WHETHER ANY ACTION OR CLAIM IS BASED ON CONTRACT, TORT, OR OTHERWISE, EXCEED AN AMOUNT EQUAL TO THE AMOUNT THAT COMPANY HAS RECEIVED DURING THE SIX (6) MONTH PERIOD IMMEDIATELY PRECEDING THE ACTION OR CLAIM. THIS LIMITATION OF LIABILITY IS AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN COMPANY AND CLIENT.
8.INDEMNIFICATION

We don't expect you to pay for our mistakes, and we don't want to pay for yours either.

  1. 8.INDEMNIFICATION
    1. 8.1COMPANY AND CLIENT SHALL EACH INDEMNIFY, DEFEND AND HOLD HARMLESS THE OTHER, ITS AFFILIATES AND AGENTS, AND THEIR RESPECTIVE DIRECTORS, OFFICERS AND EMPLOYEES, FROM AND AGAINST ALL THIRD PARTY CLAIMS, LOSSES, DAMAGES, COSTS (INCLUDING ATTORNEY'S FEES AND COURT COSTS), SUITS. JUDGMENTS, EXPENSES AND DEMANDS (COLLECTIVELY, "CLAIMS") ARISING OUT OF, FROM, OR RELATED TO (I) THE BREACH OF ANY REPRESENTATION, WARRANTY, COVENANT OR AGREEMENT HEREIN, (II) THE USE OF THE PLATFORM OR PRODUCTS OTHER THAN IN ACCORDANCE WITH THIS AGREEMENT, (III) ANY NEGLIGENT ACT OR OMISSION OR WILLFUL MISCONDUCT OF THE INDEMNIFYING PARTY IN CONNECTION WITH THE PERFORMANCE OR NON-PERFORMANCE OF ANY OBLIGATION UNDER THIS AGREEMENT, OR (IV) ANY ACTS OF THE INDEMNIFYING PARTY OUTSIDE THE SCOPE OF THIS AGREEMENT. THE INDEMNIFYING PARTY RESERVES THE RIGHT TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER OTHERWISE SUBJECT TO INDEMNIFICATION BY THE INDEMNIFIED PARTY, IN WHICH EVENT THE INDEMNIFIED PARTY WILL ASSIST AND COOPERATE WITH THE INDEMNIFYING PARTY IN ASSERTING ANY AVAILABLE DEFENSES. THE INDEMNIFIED PARTY AGREES NOT TO SETTLE ANY MATTER WITHOUT THE PRIOR WRITTEN CONSENT OF THE INDEMNIFYING PARTY.
9.INSURANCE

Insurance is required to protect both of us.

  1. 9.INSURANCE
    1. 9.1During the term of this Agreement, Client shall maintain at least the following insurance coverages with insurance carriers with an A.M. Best rating of at least A-VII, or such other insurance carriers approved in writing by the Company: (a) comprehensive / commercial general liability insurance (which shall provide for minimum limits of $1,000,000 per occurrence); and (B) professional liability (also known as errors and omissions) insurance with combined single limits of not less than $1,000,000. Upon request, Client shall provide the Company with evidence of such insurance coverage(s).
10.PROPRIETARY RIGHTS

Please respect our intellectual property rights and we will respect yours.

  1. 10.PROPRIETARY RIGHTS
    1. 10.1Intellectual Property. The Company has the sole and exclusive right, title, interest and/or ownership in and to any existing or hereafter acquired Intellectual Property developed by and/or utilized by the Company in providing the Platform or Platform Services pursuant to this Agreement. As used herein, "Intellectual Property" means all patents, designs, inventions, trademarks, service marks, trade names and trade dress, copyrights and copyrightable works (including software programs and related documentation), trade secrets, know-how, design rights and database rights, that are now or hereafter owned by or licensed to Company, and all modifications, compilations, and derivative works thereof; provided that, in the case of any such Intellectual Property that is licensed to Company from a third party, such Intellectual Property will be included in the Company Intellectual Property.
  2. 10.2Ownership. Each of the Company and Client acknowledges that the other owns and/or licenses or may hereinafter develop certain Intellectual Property used in the performance of this Agreement. Each of the Company and Client specifically disclaims any ownership or other right with respect to the Intellectual Property owned and/or licensed and/or developed by the other, except as otherwise provided herein. Except as expressly provided herein, neither party grants or transfers to the other, nor does the other party obtain, any right, title, claim, license or other interest in or to any of the Intellectual Property, information, consumer information database, systems, forms manuals or other proprietary information utilized or provided by the other party. Each party expressly prohibits any direct or indirect use, reference to, or other employment of its name, trademarks, service marks or trade names licensed to the other party, except as specified in this Agreement or as expressly authorized in writing by such party.
  3. 10.3Use of Name and Logo. Company and Client each hereby grants to the other the right to use the other’s name, trade names, trademarks and/or logos in marketing, sales, and public relations materials and other communications solely to identify the other as a customer, client or service provider. Either party shall have the right to revoke permission of such use of the logo at any time. Other than as expressly stated herein, neither Company nor Client shall use the other party's names, trademarks or logos without the prior written permission of the other party.
11.AUDIT RIGHTS

To ensure accuracy, each party has the right to audit the others records.

  1. 11.AUDIT RIGHTS
    1. 11.1Records. Each party shall maintain complete and accurate books and records of its activities performed pursuant to this Agreement relating to (i) transactions that trigger a payment to Company, and (ii) compliance with Applicable Laws governing (a) the use and retention of consumer data, and (b) lead generation and sales and marketing activities, as applicable.
  2. 11.2Audit. Each party shall retain and make available such records for at least three (3) years following the end of the calendar year to which they pertain, to the other party, at such party’s expense and upon at least five (5) days’ advance written notice, for inspection during normal business hours at a mutually agreeable time, solely to verify any reports and payments made and/or compliance in other respects under this Agreement.
12.ELECTRONIC COMMUNICATIONS

You agree to receive electronic communications from us.

  1. 12.ELECTRONIC COMMUNICATIONS
    1. 12.1By using the Platform, Client agrees to receive certain communications from us electronically in connection with the Platform. Such communications include by way of email, text message, posting notices, delivering notifications through our mobile applications or through other electronic means. Client agrees that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
13.MODIFICATIONS

We may change this agreement at any time and will notify you of such changes.

  1. 13.MODIFICATIONS
    1. 13.1From time to time, Company may modify the terms of this Agreement. Company will use commercially reasonable efforts to notify Client of the modifications and the effective date of such modifications through communications via Client’s account, email, or other means. Client must accept the modifications to continue accessing or using the Platform. If a Client objects to the modifications, unless otherwise agreed by Company, its exclusive remedy is to cease any and all access and use of the Platform. Client may be required to click to accept or otherwise agree to the modified terms in order to continue accessing or using the Platform, and in any event continued access or use of the Platform after the modified version of these terms goes into effect will constitute Client’s acceptance of such modified version.
14.MISCELLANEOUS

These are some general rules that describe how this Agreement is governed.

  1. 14.MISCELLANEOUS
    1. 14.1Entire Agreement. This Agreement constitutes the full and complete understanding and agreement of Client and the Company and supersedes all prior negotiations, understandings and agreements pertaining to the subject matter hereof, and all waivers and modifications must be in a writing signed by both parties, except as otherwise provided herein.
  2. 14.2Assignment. Neither party may assign its rights or obligations under this Agreement without the written consent of the other party, which consent shall not be unreasonably withheld. However, Company shall be able to assign this Agreement to a parent, subsidiary or affiliated entity or in connection with a merger, acquisition, or sale of all or substantially all of Company’s assets without having to obtain the consent of Client. Any attempted assignment that is prohibited under this section shall be null and void. This Agreement will bind and inure to the benefit of each party's successors and permitted assigns.
  3. 14.3Survival. The rights and obligations of the parties set forth in Section 6 CONFIDENTIALITY; NON-DISCLOSURE, Section 7 DISCLAIMERS AND OTHER LIMITATION, Section 8 INDEMNIFICATION, Section 10 PROPRIETARY RIGHTS , and Section 11 AUDIT RIGHTS, and any right or obligation of the parties which by its express terms or nature and context is intended to survive termination or expiration of this Agreement or any Order, shall survive such termination or expiration.
  4. 14.4Equitable Remedies. Each party acknowledges and agrees that certain breaches of this Agreement (in particular, breaches of obligations related to the protection of confidential information, protection of intellectual property rights, a party’s obligation with respect to compliance with laws or obligations intended to protect against causing a party reputational harm) could cause such other party to incur irreparable harm and significant injury that would be difficult to ascertain and would not be compensable by damages alone. Accordingly, each party acknowledges and agrees that, in addition to any and all remedies that the non-breaching party may have at law or otherwise with respect to such a breach, the non-breaching party will be entitled to specific performance, injunction or other appropriate equitable relief without posting bond and without being obligated to prove actual damage or harm
  5. 14.5Relationship. The Company and Client are independent contractors with respect to one another under this Agreement. This Agreement shall not be deemed to establish any agency, joint venture or partnership relationship. Each party shall be responsible for the payment of all employee compensation, benefits and employment and other taxes pertaining to its employees and business. Neither party shall have the authority to legally bind the other to any contract, proposal or other commitment or to incur any debt or create any liability on behalf of the other.
  6. 14.6Notices. Any notice, request, designation or other communication required or permitted to be given hereunder shall be in writing and may be given by personal delivery regular mail, overnight mail, facsimile or email, and shall be deemed sufficiently given if delivered or addressed to parties at the respective addresses set forth below, or to such other addresses as may be designated by a party in writing. All notices shall be deemed received when (i) delivered personally; (ii) three (3) business days following deposit in the mail, postage prepaid; or (ii) one (1) day after deposit with a commercial express courier specifying next day delivery, with written verification of receipt.

    If to Company::

    • Name: Array, LLC
    • Attn: Legal Department
    • Address: 304 Ponce De Leon Ave Suite 0105
    • City, State, Zip: San Juan, PR 00918
    • Tel: 833-742-0200
    • E-mail: compliance@array.io

    If to Client:

    The information provided in the applicable Order.

  7. 14.7Waiver. No delay or omission or failure to exercise any right or remedy provided for herein will be deemed to be a future waiver thereof and any single or partial exercise of any such right or remedy, power or privilege will not preclude any later exercise thereof
  8. 14.8Severability. In the event that any provision of this Agreement is held to be invalid, illegal or unenforceable under present or future laws, then such provision will be fully severable and this Agreement will be construed and enforced as if such invalid, illegal or unenforceable provision were not a part hereof.
  9. 14.9Headings. The headings of sections herein are for convenience only and will not be deemed to affect in any way the scope, intent or meaning of the provisions to which they refer.
  10. 14.10Governing Law and Arbitration. This Agreement shall be governed and construed in accordance with the laws of the State of Delaware, without resort to the conflict of law principles thereof. In the event of any controversy, claim or dispute between the parties arising out of or relating to this Agreement or the breach, termination, enforcement, interpretation, conscionability or validity thereof, including any determination of the scope or applicability of this Agreement to arbitrate, such controversy, claim or dispute shall be resolved by mandatory, binding arbitration, rather than in court. The parties agree that the arbitration shall be administered by the American Arbitration Association (AAA), or other nationally recognized arbitrator as agreed upon by the parties and the parties shall be bound by any and all rules of AAA or other mutually accepted rules and any award/decision rendered. Notwithstanding anything to the contrary in the AAA rules, the arbitrator will be empowered to order interim or permanent injunctive relief, which may be enforced in any court of competent jurisdiction. Any decision or award as a result of any such arbitration proceeding shall be in writing and shall provide an explanation for all decisions. Any such arbitration shall include a written record of the arbitration hearing, and shall be conducted by an arbitrator as agreed upon by the parties, or if no agreement can be made, then an arbitrator shall be selected by AAA experienced in complex business transactions. The award rendered by the arbitrator shall be final and shall not be subject to vacation or modification. Judgment on the award made by the arbitrator may be entered in any court having jurisdiction over the parties. If either party fails to comply with the arbitrator's award, the injured party may petition the circuit court for enforcement. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person's claims, and may not otherwise preside over any form of representative or class proceeding. The parties shall share the cost (not any attorneys' fees) of arbitration equally. In the event a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator's award, or fails to comply with the arbitrator's award, the other party is entitled to costs of suit, including a reasonable attorney's fee for having to compel arbitration or defend or enforce the award. Binding Arbitration means that both parties give up the right to a trial by a jury or to use the court system except to enforce this section. It also means that both parties give up the right to appeal from the arbitrator's ruling except for a narrow range of issues that can or may be appealed. It also means that discovery may be severely limited by the arbitrator. This section and the arbitration requirement shall survive any termination.
  11. 14.11Non-Exclusive Remedy. Except as expressly set forth in this Agreement, the exercise by either party of any of its remedies under this Agreement will be without prejudice to its other remedies under this Agreement or otherwise.
  12. 14.12Force Majeure. Neither party will be responsible for any failure or delay in its performance or service under this Agreement (except for any payment obligations for services already rendered) due to causes beyond its reasonable control, including, by way of illustration but not limitation, network failures, acts of civil or military authorities, fires, interruptions in third party telecommunications, Internet equipment, servers or other third party services, labor disputes, strikes, lockouts, shortages of or inability to obtain labor, energy, raw materials or supplies, war, terrorism, riot, acts of God or governmental action.
  13. 14.13Conflict. To the extent there is any inconsistency or conflict between this Agreement and an Order or any exhibit or attachment, such Order, exhibit or attachment shall control.
  14. 14.14Counterparts. This Agreement may be executed in counterparts, each of which will be deemed an original, but all of which together will constitute one and the same instrument. A facsimile or electronic delivery of the signature page hereto shall be deemed an original for all purposes hereof.