Terms and Conditions

You agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other websites, and you agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate.

You are licensing to DecisionLogic and its service providers, any information, data, passwords, materials, or other content (collectively, “Content”) you provide through or to the service offered by DecisionLogic (the “Service”). DecisionLogic and its service providers may use, modify, display, distribute and create new material using such Content to provide the Service to you. By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed, that, without any particular time limit, and without the payment of any fees, DecisionLogic and its service providers may use the Content for the purposes set out above. As between DecisionLogic and its service providers, DecisionLogic owns your confidential account information.

By using the Service, you authorize DecisionLogic and its service providers to access third-party websites designated by you, on your behalf, to retrieve information requested by you, and to register for accounts requested by you. For all purposes hereof, you grant DecisionLogic and its service providers a limited power of attorney, and you hereby appoint DecisionLogic and its service providers as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access third-party websites, servers or documents, to retrieve information, and to use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully as, and for all intents and purposes as, you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN DECISIONLOGIC OR ANY OF ITS SERVICE PROVIDERS ACCESSES AND RETRIEVES INFORMATION FROM THIRD-PARTY WEBSITES, DECISIONLOGIC AND ITS SERVICE PROVIDERS ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that third-party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that the Service is not endorsed or sponsored by any third-party account providers accessible through the Service. You acknowledge that through the use of the Service, DecisionLogic shall have access to your account credentials, including, but not limited to login username and passwords

DecisionLogic offers paid services to its clients (“Clients”) who compensate DecisionLogic for facilitating the retrieval of your bank account information from your financial institution. The purposes may vary, but typically you are being asked to share your bank account data, including transaction history, to assist you in the process of verifying your income. The bank account information and other information you may provide DecisionLogic is not, and is not treated as, an application for a loan or application as a tenant for a rental or subscription or a request to be pre-approved, pre-qualified or any similar concept for any similar applications or programs.  Nothing herein shall constitute an offer or promise for your participation or acceptance with respect to any such application or program. DecisionLogic does not guarantee acceptance or approval to any extent with respect to any application or program and all applicable standards for any such application or program are established and maintained solely by Clients or other third parties. Likewise, DecisionLogic does not guarantee that any terms or rates applicable to any application or program offered and made available by such Clients or other third parties are the best terms or lowest rates available in the market. You acknowledge that the terms of any offer or program proposed by such Clients or other third parties may be higher or lower depending on your complete profile. By using the Service, you authorize DecisionLogic to allow its Clients to request you to log into your financial institution, through the Service. If you successfully log in, a report will be generated showing the current status of the accounts found at that institution, very similar to your bank statement. DecisionLogic does not warrant that the data is complete, accurate or certified. Instead, DecisionLogic makes your bank account information, including bank transaction history, available to its Clients for their specific use. You will typically be asked to agree to additional terms and conditions during this process. DecisionLogic shall make commercially reasonable efforts to retrieve your complete account information according to the type of verification requested. You agree that certain factors outside of our control may affect the completeness of the information returned including the data returned by our service providers, our data providers and your financial institution. Similarly, DecisionLogic may request that you enter your bank account number and routing number (or equivalent). In doing so, you authorize DecisionLogic, our service providers, our data providers and Clients to retrieve all bank account information available at your financial institution using the log in credentials you provided. In some cases, you may provide a partial or incorrect account number and DecisionLogic will still be able to retrieve account information and transaction history. DecisionLogic may retrieve account details for multiple checking and/or savings accounts that have different account numbers if they are available at your financial institution using the same credentials you provided. The way DecisionLogic Clients use your bank account data will vary widely and you acknowledge and agree that it is your responsibility to read all applicable terms and conditions provided by such Clients and to contact them directly if necessary to understand how your data is being used and for what purposes. 

DecisionLogic has the right, but not the obligation, to monitor the Service electronically. We may access, use, preserve, transfer or disclose, at any time and without notice to you, any information (including Content provided by you) as reasonably necessary to: (1) comply with any applicable law, regulation, subpoena, or legal process, or respond to any governmental request or cooperate with law enforcement, if we believe such action is required or permitted by law; (2) enforce this Agreement, including to investigate potential violations; (3) protect the safety, integrity, rights, or security of the Service, our equipment, you, any Client or any third party; or (4) detect, prevent, or otherwise address fraud, security, or technical issues related to the Service or the services of any Client.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. DECISIONLOGIC AND ITS SERVICE PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. DECISIONLOGIC AND ITS SERVICE PROVIDERS MAKE NO WARRANTY THAT (i) THE SERVICE WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS, OR (V) ANY ERRORS IN THE TECHNOLOGY WILL BE CORRECTED. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM DECISIONLOGIC OR OUR SERVICE PROVIDERS THROUGH OR FROM THE SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

YOU AGREE THAT DECISIONLOGIC, OUR SERVICE PROVIDERS, THEIR AFFILIATES, ACCOUNT PROVIDERS AND ANY AFFILIATES OF ANY OF THEM, WILL NOT BE LIABLE FOR ANY HARMS, WHICH LAWYERS AND COURTS OFTEN CALL DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF DECISIONLOGIC OR OUR SERVICE PROVIDERS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES, (iii) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE SERVICE; (iv) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (v) STATEMENTS OR CONDUCT OF ANYONE ON THE SERVICE; (vi) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON- PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER WEBSITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES; OR (vii) ANY OTHER MATTER RELATING TO THE SERVICE.

You agree to protect and fully compensate DecisionLogic and its service providers and their affiliates from any and all third-party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys’ fees) caused by or arising from your use of the Service, your violation of these terms or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone. You agree that each of our service providers is a third-party beneficiary of the above provisions, with all rights to enforce such provisions as if our service providers were a party to this Agreement.

By using the information, tools, features and functionality located on the Site, you agree to be bound by this Agreement, whether you are a “Visitor” (which means that you simply browse the Site) or you are a “Client” (which means that you have registered with DecisionLogic). The term “you” or “User” refers to a Visitor or a Client. If you wish to become a Client, communicate with other Clients and make use of the Service, you must read this Agreement and indicate your acceptance during the Registration or Client Engagement process. You may not use the Service and you may not accept this Agreement if you are not of a legal age to form a binding contract with DecisionLogic. If you accept this Agreement, you represent that you have the capacity to be bound by it or, if you are acting on behalf of a company or entity, that you have the authority to bind such company or entity. Before you continue, you should print or save a local copy of this Agreement for your records.

For information about DecisionLogic’s data protection practices, please read DecisionLogic’s Privacy Policy, which is hereby incorporated into this Agreement. This policy explains how DecisionLogic treats your personal information when you access www.DecisionLogic.com and use the Service. The policy may be updated from time to time at our discretion. Changes will be effective upon posting to the Site.

Your right to access and use www.DecisionLogic.com and the Service is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use the Site for lawful purposes. Your access and use of www.DecisionLogic.com may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of www.DecisionLogic.com, www.DL.me or any other Site or other actions taken by DecisionLogic, in its sole discretion.

The contents of www.DecisionLogic.com, including its “look and feel” (e.g., text, graphics, images, logos and button icons), photographs, editorial content, notices, software (including html-based computer programs) and other material are protected under applicable copyright, trademark and other laws of the United States and other jurisdictions. The contents of www.DecisionLogic.com belong to or are licensed to DecisionLogic or its software or content suppliers. DecisionLogic grants you the right to view and use the Site subject to these terms. You may download or print a copy of information provided on the Site for your personal, internal and non-commercial use only. Any distribution, reprint or electronic reproduction of any content from the Site in whole or in part for any other purpose is expressly prohibited without our prior written consent.

You agree that you will not: (i) use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Site or any portion of the Site, without DecisionLogic’s express written consent, which may be withheld in DecisionLogic’s sole discretion; (ii) use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Site, other than the search engines and search agents available through the Service and other generally available third-party web browsers (such as Microsoft Explorer); (iii) post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interfere with the proper working of www.DecisionLogic.com or the Service; or (iv) attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of www.DecisionLogic.com or the Service.

DecisionLogic may modify this Agreement from time to time. Any and all changes to this Agreement will be posted on the www.DecisionLogic.com Site. In addition, the Agreement will always indicate the date it was last revised. You are deemed to accept and agree to be bound by any changes to the Agreement when you use the Service after those changes are posted.

This Agreement, and your relationship with DecisionLogic under this Agreement, shall be governed by the laws of the State of Arizona without regard to its conflict or choice of law provisions. Any dispute with DecisionLogic, or its officers, directors, employees, agents or affiliates, arising under or in relation to this Agreement shall be resolved exclusively through the state courts located in Arizona, except with respect to imminent harm requiring temporary or preliminary injunctive relief in which case DecisionLogic may seek such relief in any court with jurisdiction over the parties. You understand that, in return for agreement to this provision, DecisionLogic is able to offer the Service at the terms designated and that your assent to this provision is an indispensable consideration to this Agreement. You also acknowledge and understand that, with respect to any dispute with DecisionLogic, its officers, directors, employees, agents or affiliates, arising out of or relating to your use of the Service or this Agreement: YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY; AND YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT INVOLVING ANY SUCH DISPUTE.

If any portion of this Agreement is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, this Agreement as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Agreement that is unlawful, void or unenforceable shall be stricken from this Agreement. You agree that if DecisionLogic does not exercise or enforce any legal right or remedy which is contained in the Agreement (or which DecisionLogic has the benefit of under any applicable law), this will not be taken to be a formal waiver of DecisionLogic’s rights and that those rights or remedies will still be available to DecisionLogic. All covenants, agreements, representations and warranties made in this Agreement shall survive your acceptance of this Agreement and the termination of this Agreement. This Agreement represents the entire understanding and agreement between you and DecisionLogic regarding the subject matter of the same, and supersedes all other previous agreements. Clarilogic, Inc. d/b/a DecisionLogic admin@decisionlogic.com Last Update: 06/30/2024.