Privacy Policy

Latest update: March 9, 2016
Income& Technologies, Inc. (“Income&,” “us,” or “our”) takes your privacy very seriously. This
Privacy Policy (“Policy”) describes the ways that Income& may obtain, collect, use, secure and share
your personal information; therefore, please read it carefully. You accept this Policy when you use
Income& product(s), website(s), App(s), and service(s) (collectively “Products and Services”).

Changes to this privacy policy
Income& reserves the right to make changes to this Policy at any time. Income& will post the updated
Privacy Policy on this page. In the event of a material change to our policy and practices, Income& will
also notify registered users via email at the email address provided for your account. It is strongly
recommended that you check this page often and refer to the last modified date listed at the top. If you
object to any of the changes to the Policy, you must cease using Income& Products and Services and
can request that Income& remove your personal data from the systems. Unless stated otherwise, the
current privacy policy applies to all personal data Income& has about you. Your continued use of the
Products and Services following a change in the Privacy Policy represents your consent to the new
Privacy Policy.

 

Types of Data Collected

User-Provided Information
Income& may ask for and collect from you information you provide when you use Income& Products
and Services. When you register, you may be asked to provide your full name, phone number, company
name, and email address. You may also be asked to create a username and password.

Automatically Collected Information
Income& may automatically collect non-personal information about how visitors use the Products and
Services, which may include log file information. Income& may also use cookies or other similar
technologies to understand how the Products and Services are used, to develop and improve the Products
and Services, and to personalize your experience.

Do Not Track
While the Products and Services, including the website, do not respond to web browser “do not
track” signals, Income& does not, nor does it permit third parties, to track your online activity
overtime across third party websites.

How the Data is Used
Income& may use your information to process and respond to inquiries and for the purposes for
which you provided the information, such as quotes, to register or renew you as a user, to authenticate
you as a user, to receive information about the Products and Services or alert you to new Products and
Services, to enforce the Terms of Use, to evaluate the Products and Services and identify areas for
change or expanded services and for general operation and maintenance of our Products and Services.

How the Data is Shared
Income& values your privacy, which is why Income& only shares your personal information when
necessary, as detailed in this privacy policy, or with your prior express consent. Income& may use thirdparty
service providers to collect, store, or process your personal information as required to complete your
request. Income& will also disclose your personal information to comply with law or court orders, or for
the protection of our rights, property, health, safety or other interests, or those of our affiliates, service
providers, business partners, or the public. You understand and agree that Income& may access, preserve,
and disclose any information Income& may have about you and the contents of your account if required
to do so by law or in a good faith belief that such access, preservation or disclosure is reasonably
necessary to avoid liability, to comply with the law or legal process, such as a search warrant, subpoena,
statute, or court order, or to protect our rights and property, or that of our affiliates or the public. Personal
information may also be transferred as a result of a transfer or ownership of Income& or other sale of
assets, merger, acquisition or other corporate restructuring.
Income& may share non-personal, anonymous and/or aggregate information, and may combine this
information with the information Income& collects from other users or other sources with third parties
for commercial purposes. This anonymous and/or aggregate information will be not associated with your
name or any other identifying information.

Your Choices
You may review and update your account information at any time by directly logging into your account,
or by contacting us at info@incomeand.com.

Security
Income& makes efforts to ensure security on our systems, however data flowing through the Internet
can never be guaranteed to be secure and you use the Products and Services at your own risk.
Income& cannot guarantee that your information may not be accessed, intercepted, disclosed, altered,
or destroyed by breach of such firewalls and secure server software.

Contact Us
If you have any further questions or comments about this Privacy Policy, please contact us by sending
an email to info@incomeand.com at any time.

 

Terms of Use

Terms and Conditions (“Terms”)

Last updated: January 19, 2016

Please read these Terms and Conditions (“Terms”, “Terms and Conditions”) carefully before using the www.incomeand.com website (the “Service”) operated by Income& Technologies, Inc. (“us”, “we”, or “our”).

Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who wish to access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you do not have permission to access the Service.

Purchases

If you wish to purchase any product or service made available through the Service (“Purchase”), you may be asked to supply certain information relevant to your Purchase including, without limitation, your name, your Registered Investment Advisor’s name and address if applicable, your address, and your status as an accredited investor and/or qualified client.

You represent and warrant that: (i) you have the legal right to use any payment method(s) in connection with any Purchase; and that (ii) the information you supply to us is true, correct and complete.

The service may employ the use of third party services for the purpose of facilitating payment and the completion of Purchases. By submitting your information, you grant us the right to provide the information to these third parties subject to our Privacy Policy.

We reserve the right to refuse or cancel your order at any time for reasons including but not limited to: product or service availability, errors in the description or price of the product or service, error in your order or other reasons.

We reserve the right to refuse or cancel your order if fraud or an unauthorized or illegal transaction is suspected.

Availability, Errors and Inaccuracies

We are constantly updating product and service offerings on the Service. We may experience delays in updating information on the Service and in our advertising on other web sites. The information found on the Service may contain errors or inaccuracies and may not be complete or current. Products or services may be mispriced, described inaccurately, or unavailable on the Service and we cannot guarantee the accuracy or completeness of any information found on the Service.

We therefore reserve the right to change or update information and to correct errors, inaccuracies, or omissions at any time without prior notice.

Accounts

When you create an account with us, you guarantee that you are above the age of 18, and that the information you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account on the Service.

You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password, whether your password is with our Service or a third-party service. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

We reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders in our sole discretion.

Intellectual Property

The Service and its original content, features and functionality are and will remain the exclusive property of Income& Technologies, Inc. and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Income& Technologies, Inc..

Links To Other Web Sites

Our Service may contain links to third party web sites or services that are not owned or controlled by Income& Technologies, Inc..

Income& Technologies, Inc. has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

You acknowledge and agree that Income& Technologies, Inc. shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such third party web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third party web sites or services that you visit.

Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

If you wish to terminate your account, you may simply discontinue using the Service.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Indemnification

You agree to defend, indemnify and hold harmless Income& Technologies, Inc. and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password, or b) a breach of these Terms.

Limitation Of Liability

In no event shall Income& Technologies, Inc., nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

Disclaimer

Your use of the Service is at your sole risk. The Service is provided on an “AS IS” and “AS AVAILABLE” basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.

Income& Technologies, Inc. its subsidiaries, affiliates, and its licensors do not warrant that a) the Service will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements.

Exclusions

Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to you.

Governing Law

These Terms shall be governed and construed in accordance with the laws of California, United States, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.

Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

Contact Us

If you have any questions about these Terms, please contact us.