Last Updated: December 5, 2023
1. Terms
The Terms of Service (“Agreement” or "Terms of Service") set forth the terms and conditions that apply to your access and use of the Bolster App mobile application (the “App”) as owned and operated by Cable 92, LLC dba Bolster (hereinafter “Bolster”). The Services are intended ONLY for users in the United States, and their use is governed by US law.
By accepting electronically (clicking “I Agree”), installing, accessing or using the Services, you agree to be bound by the terms and conditions of this Agreement, as they may be amended from time to time in the future (see “Modifications” below). If you don't agree to this Agreement, then you may not use the Services.
2. Accepting Terms
By using the information, tools, features, software and functionality including content, updates and new releases provided by Bolster, you agree to be bound by this Agreement, whether you are a “Visitor” (meaning you're simply browsing the Bolster.com website), or a “Member” (meaning you've registered for the Services).
The term “you” or “User” refers to a Visitor, or Member. The term “we” refers to Bolster. If you wish to become a Member, communicate with other Members, or make use of the Services, you must read this Agreement and indicate your acceptance during the registration process. You may not use the Services, and you may not accept this Agreement, if you're not at least 18 years of age and, in any event, of a legal age to form a binding contract with Bolster. If you accept this Agreement, you represent that you have the capacity to be bound by it or, if you're acting on behalf of a company or entity, that you have the authority to bind such an entity.
3. Description of Services
The Services are personal finance information management services that allow you to track your financial information. The Services are provided to you by Bolster without charge (it's free), and are meant to provide you with information to allow you to organize and manage your finances. The Services are intended only to assist you. Your personal financial situation is unique, and any information and advice obtained through the Service may not be appropriate for your situation.
The Services may also present you information relating to third party products or services (“Bolster Offers”), as well as general tips, recommendations and educational material.
5. Account Information From Third Party Sites
Users may direct Bolster to retrieve their own information maintained online by third-parties with which they have customer relationships, maintain accounts or engage in financial transactions (“Account Information”). Bolster works with one or more online service providers to access this Account Information. Bolster makes no effort to review the Account Information for any purpose, including, but not limited to, accuracy, legality or non-infringement. Bolster isn't responsible for the products and services offered by, or on, third-party sites.Bolster cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain data or loss of data, personalization settings or other service interruptions.
Bolster does not assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any User data, communications or personalization settings.
6. Bolster Offers And Third-Party Links
Some parts of the Services are supported by sponsored links from advertisers and display Bolster Offers that may be custom matched to you, based on information stored in the Services, queries made through the Services or other information. We will always disclose when a particular Bolster Offer is sponsored. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products.
In connection with Bolster Offers, the Services will provide links to other websites belonging to Bolster advertisers and other third parties. Bolster doesn't endorse, warrant or guarantee the products or services available through the Bolster Offers (or any other third-party products or services advertised on or linked from our site), whether or not sponsored. Bolster isn't an agent or broker or otherwise responsible for the activities or policies of those web sites. These offers are for informational purposes only.
Bolster doesn't guarantee that the loan, investment, plan or other service terms, rates or rewards offered by any particular advertiser or other third party on the Sites are actually the terms that may be offered to you if you pursue the offer, or that they're the best terms or lowest rates available in the market.
If you elect to use or purchase services from third parties, you're subject to their terms and conditions and privacy policy.
7. Your Registration Information
In order to allow you to use the Services, you'll need to sign up for an account with Bolster. We may verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. These inquiries may include asking you for further information, requiring you to provide your full address and Social Security number, and/or requiring you to take steps to confirm ownership of your email address or financial instruments, ordering a credit report, or verifying information you provide against third party databases or through other sources. If you don't provide this information, or Bolster cannot verify your identity, we can refuse to allow you to use the Services.
You agree and understand that you're responsible for maintaining the confidentiality of your password which, together with your LoginID e-mail address, allows you to access the Sites.
That LoginID and password form your “Registration Information.” By providing us with your e-mail address, you agree to receive all required notices electronically, through the Services by displaying links to notices generally on the Site, to that e-mail address.
It's your responsibility to update or change that address, as appropriate. Notices will be provided in HTML (or, if your system does not support HTML, in plain-text) in an e-mail or through a link to the appropriate page on our site, accessible through any standard, commercially available internet browser.
If you become aware of any unauthorized use of your Registration Information or Account Information for the Services, you agree to notify Bolster immediately at the email address - support@bolster.co.
If you believe that your Registration Information or Account Information or device that you use to access the Services has been lost or stolen, or that someone is using your account without your permission, you must notify Bolster immediately.
The following is Bolster's contact information:
Email: support@bolster.co
8. Your Use of the Services
Your right to access and use the Sites and the Services is personal to you and isn't transferable by you to any other person or entity. You're only entitled to access and use the Sites and Services for lawful purposes. Accurate records enable Bolster to provide the Services to you. You must provide true, accurate, current and complete information about your accounts maintained at other websites, as requested in our “add account” setup forms, and you may not misrepresent your Registration Information and Account Information.
In order for the Services to function effectively, you must also keep your Registration Information and Account Information up to date and accurate. If you don't do this, the accuracy and effectiveness of the Services will be affected. You represent that you're a legal owner of, and that you're authorized to provide us with, all Registration and Account Information and other information necessary to facilitate your use of the Services.
Your access and use of the Services 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 the Services or other actions that Bolster, in its sole discretion, may elect to take. In no event will Bolster be liable to any party for any loss, cost, or damage that results from any scheduled or unscheduled downtime.
Your sole and exclusive remedy for any failure or non-performance of the Services, including any associated software or other materials supplied in connection with such Services, shall be for Bolster to use commercially reasonable efforts to effectuate an adjustment or repair of the applicable Services.
From time to time, Bolster may include new and/or updated pre-release features and trial-use “Sneak Preview” features in Services for your use, which permit you to provide feedback. You understand and agree that your use of Sneak Preview features is voluntary and Bolster is not obligated to provide you with any Sneak Preview features.
Furthermore, if you decide to use the Sneak Preview features, you agree to abide by any rules or restrictions Bolster may place on them. You understand that once you use the Sneak Preview features, you may be unable to revert back to the earlier version of the same or similar feature.
Additionally, if such reversion is possible, you may not be able to return or restore data created within the Sneak Preview feature back to the earlier version. The Sneak Preview features are provided on an “as is” basis, and may contain errors or inaccuracies that could cause failures, corruption or loss of data and/or information from any connected device. You acknowledge and agree that all use of the Sneak Preview features is at your sole risk.
9. Not A Financial Planner, Broker Or Tax Advisor
NEITHER BOLSTER NOR THE SERVICES ARE INTENDED TO PROVIDE LEGAL, TAX OR FINANCIAL ADVICE. BOLSTER ISN'T A FINANCIAL PLANNER, BROKER OR TAX ADVISOR.
The Service are intended only to assist you in your financial organization and decision-making and are broad in scope. Your personal financial situation is unique, and any information and advice obtained through the Service may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.
10. Use With Your Mobile Device
Use of the Services may be available through a compatible mobile device, Internet and/or network access and may require software. You agree that you're solely responsible for these requirements, including any applicable changes, updates and fees as well as the terms of your agreement with your mobile device and telecommunications provider.
BOLSTER MAKES NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESS, STATUTORY OR IMPLIED AS TO: (i) THE AVAILABILITY OF TELECOMMUNICATION SERVICES FROM YOUR PROVIDER AND ACCESS TO THE SERVICES AT ANY TIME OR FROM ANY LOCATION; (ii) ANY LOSS, DAMAGE, OR OTHER SECURITY INTRUSION OF THE TELECOMMUNICATION SERVICES; AND (iii) ANY DISCLOSURE OF INFORMATION TO THIRD PARTIES OR FAILURE TO TRANSMIT ANY DATA, COMMUNICATIONS OR SETTINGS CONNECTED WITH THE SERVICES.
11. Online And Mobile Alerts
Bolster may from time to time provide automatic alerts and voluntary account-related alerts. Automatic alerts may be sent to you following certain changes to your account or information, such as a change in your Registration Information.
Voluntary account alerts may be turned on by default as part of the Services. They may then be customized, deactivated or reactivated by you. These alerts allow you to choose alert messages for your accounts. Bolster may add new alerts from time to time, or cease to provide certain alerts at any time upon its sole discretion. Each alert has different options available, and you may be asked to select from among these options upon activation of your alerts service.
You understand and agree that any alerts provided to you through the Services may be delayed or prevented by a variety of factors. Bolster may make commercially reasonable efforts to provide alerts in a timely manner with accurate information, but cannot guarantee the delivery, timeliness, or accuracy of the content of any alert. Bolster shall not be liable for any a. delays, failure to deliver, or misdirected delivery of any alert; b. errors in the content of an alert; or c. actions taken or not taken by you or any third party in reliance on an alert.
Electronic alerts will be sent to the email address you've provided as your primary email address for the Services. If your email address or your mobile device's email address changes, you're responsible for informing us of that change. You can also choose to have alerts sent to a mobile device that accepts text messages. Changes to your email address or mobile number will apply to all of your alerts.
Because alerts aren't encrypted, we'll never include your passcode. However, alerts may include your LoginID and some information about your accounts. Depending upon which alerts you select, information such as an account balance or the due date for your credit card payment may be included. Anyone with access to your email will be able to view the content of these alerts. At any time you may disable future alerts.
12. Rights You Grant To Us
By submitting information, data, passwords, usernames, PINs, credentials, other log-in information, materials and other content to Bolster through the Services, you're expressly directing us to use that content, and licensing that content to Bolster for the purpose of providing the Services. Bolster may use and store the content in accordance with this Agreement and our Privacy Statement.
You represent that you're entitled and authorized to disclose and submit that content to Bolster for use for this purpose, without any obligation by Bolster to pay any fees or be subject to any restrictions or limitations. By using the Services, you expressly authorize Bolster to access your Account Information maintained by identified third parties, on your behalf as your agent.
When you use the “Add Accounts” feature of the Services, you'll be directly connected to the website for the third party you've identified. Bolster will submit information including usernames and passwords that you provide to log into the Site. You hereby authorize and permit Bolster to use and store information submitted by you to accomplish the foregoing, and to configure the Services so that it's compatible with the third-party sites for which you submit your information.
For purposes of this Agreement, and solely to provide the Account Information to you as part of the Service, you grant Bolster a limited power of attorney, and appoint Bolster or Bolster Bills as your attorney-in-fact and agent, to access third-party sites, retrieve and use your information with the full power and authority to do so, and perform each thing necessary in connection with such activities, as you could do in person.
YOU ACKNOWLEDGE AND AGREE THAT WHEN BOLSTER IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD-PARTY SITES, BOLSTER IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY THAT OPERATES THE THIRD PARTY SITE.
You understand and agree that the Services aren't sponsored or endorsed by any third parties accessible through the Services. Bolster isn't responsible for any payment processing errors or fees or other Services-related issues, including those issues that may arise from inaccurate account information.
13. Intellectual Property Rights
The contents of Sites and the Services, including their “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 both United States and other applicable copyright, trademark, and other laws.
The contents of the Services belong or are licensed to Bolster or Bolster Bills, or its software or content suppliers. Third-party trademarks, service marks, graphics and logos used in connection with the Services are the intellectual property of their respective owners and are used for identification purposes only. Use of these names, trademarks and logos does not imply a relationship with Bolster.
Bolster grants you the right to view and use the Services subject to these terms. You may download or print a copy of information for theServices for your personal, internal, and non-commercial use only. Any distribution, reprint, or electronic reproduction of any content from theServices, in whole or in part for any other purpose, is expressly prohibited without our prior written consent. You agree not to use, nor permit any third party to use, the Site or the Services or content in a manner that violates any applicable law, regulation, or this Agreement.
14. Access and Interference
You agree that you'll not:
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 Services or any portion of the Services, without Bolster's express written consent, which may be withheld in Bolster's sole discretion.
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 Services, other than the search engines and search agents available through the Services and other than generally available third-party web browsers (such as Microsoft Explorer).
Post or transmit any file which contains viruses, worms, Trojan horses or any other contaminating or destructive features, or that otherwise interferes with the proper working of the Services.
Attempt to decipher, decompile, disassemble or reverse-engineer any of the software comprising or in any way making up a part of the Services.
15. Social Media Sites
Bolster may provide experiences on social media platforms that enable online sharing and collaboration among Users who've registered to use them. Any content you post, such as pictures, information, opinions, or any personal information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those platforms. Please refer to those social media platforms to better understand your rights and obligations with regard to such content.
16. Disclaimer of Representations and Warranties
THE SITES, SERVICES, INFORMATION, DATA, FEATURES, AND ALL CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH THE SERVICES OR PROVIDED THROUGH THE SERVICES (WHETHER OR NOT SPONSORED) ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS. BOLSTER, ITS AFFILIATES, AND ITS THIRD-PARTY PROVIDERS, LICENSORS, DISTRIBUTORS OR SUPPLIERS (COLLECTIVELY, "SUPPLIERS ") MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF THE SITE OR OF THE SERVICES. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK.
NEITHER BOLSTER OR ITS SUPPLIERS MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT ON THE SITES OR OF THE SERVICES (WHETHER OR NOT SPONSORED), AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE. NEITHER BOLSTER OR ITS SUPPLIERS MAKE ANY REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SERVICES IS FREE OF INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN SUCH STATES LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF SECTIONS 15 AND 18 OF THIS PROVISION MAY NOT APPLY TO YOU.
17. Limitations On Bolster's Liability
BOLSTER SHALL, IN NO EVENT, BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED OR PUNITIVE DAMAGES INCLUDING, BUT NOT LIMITED, TO LOSS OF PROFIT, REVENUE OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO THE SITES, YOUR USE OF THE SERVICES, THE SITES OR THIS AGREEMENT, EVEN IF BOLSTER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THIS AGREEMENT, BOLSTER'S LIABILITY TO YOU FOR ANY CAUSE WHATEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO A MAXIMUM OF $500.00 (FIVE HUNDRED UNITED STATES DOLLARS).
18. Your Indemnification Of Bolster
You shall defend, indemnify and hold harmless Bolster and its officers, directors, shareholders and employees from and against all claims, suits, proceedings, losses, liabilities and expenses, whether in tort, contract or otherwise that arise out of or relate including, but not limited to, attorneys fees, in whole or in part, arising out of or attributable to any breach of this Agreement or any activity by you in relation to the Sites or your use of the Services.
19. Ending Your Relationship With Bolster
This Agreement will continue to apply until terminated by either you or Bolster as set out below. If you want to terminate your legal agreement with Bolster, you may do so as follows:
To close your account for the Services, please use the directions below:
Login to the bolster mobile app
Go to settings
Go to account details
Click delete account
Click confirm
Your account will be closed and your ability to log in deactivated immediately. Your Bolster.com account data will be removed within 48 hours, subject to and as explained in our Privacy Statement.
Bolster may, at any time, suspend your account and/or terminate its legal agreement with you and your access to the Services for any reason, and at any time, with or without notice. Some but not all of the reasons that we may terminate your services include: If you've breached any provision of this Agreement (or have acted in a manner which clearly shows that you don't intend to, or are unable to comply with, the provisions of this Agreement).
If Bolster, in its sole discretion, believes it's required to do so by law (for example, where the provision of the Service to you is, or becomes, unlawful). You acknowledge and agree that Bolster may immediately suspend, deactivate or delete your account and all related information and files in your account and/or prohibit any further access to all files and the Services by you. Further, you agree that Bolster shall not be liable to you or any third party for any suspension or termination of your access to the Services.
20. Modifications
Bolster reserves the right, at any time and from time to time, to modify or discontinue, temporarily or permanently, the Sites or Services with or without notice. Bolster reserves the right to change the Services, including applicable fees, in our sole discretion and from time to time. In certain circumstances, if you're a paying User of the Services, Bolster will provide notice to you. If you don't agree to the changes after receiving a notice of the change to the Services, you may stop using the Services. Your use of the Services, after you are notified of any change(s) will constitute your agreement to such change(s). You agree that Bolster shall not be liable to you or to any third party for any modification, suspensions or discontinuance of the Services.
Bolster may modify this Agreement from time to time. Any and all changes to this Agreement may be provided to you by electronic means (i.e., via email or the App or by posting the information on the Sites). The Agreement will always indicate the date it was last revised. You're deemed to accept, and agree to be bound by, any changes to the Agreement when you use the Services after those changes are posted.
21. Governing Law And Forum For Disputes
California state law governs this Agreement without regard to its conflicts of laws provisions.
ANY DISPUTE OR CLAIM RELATING IN ANY WAY TO THE SERVICES OR THESE TERMS OF USE WILL BE RESOLVED BY BINDING ARBITRATION, RATHER THAN IN COURT, except that you may assert claims in small claims court if your claims qualify. The Federal Arbitration Act governs the interpretation and enforcement of this provision; the arbitrator shall apply California law to all other matters. Notwithstanding anything to the contrary, any party to the arbitration may, at any time, seek injunctions or other forms of equitable relief from any court of competent jurisdiction.
WE EACH AGREE THAT ANY AND ALL DISPUTES MUST BE BROUGHT IN THE PARTIES' INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. BY ENTERING INTO THIS AGREEMENT AND AGREEING TO ARBITRATION, YOU AGREE A. THAT YOU AND BOLSTER ARE EACH WAIVING THE RIGHT TO FILE A LAWSUIT AND THE RIGHT TO A TRIAL BY JURY, B. TO WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR LITIGATE ON A CLASS-WIDE BASIS, AND C. THAT YOU'VE EXPRESSLY AND KNOWINGLY WAIVED THESE RIGHTS.
22. Allegations Of Copyright And Trademark Infringements; Notification
Bolster respects the intellectual property rights of others, and Bolster asks that users of the Site and Services do the same. If you believe that your intellectual property is being used on the Site in a way that constitutes copyright infringement, please provide our Designated Agent (set forth below) the following information (as required by Section 512(c)(3) of the Digital Millennium Copyright Act):
A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that's allegedly infringed.
Identification of the copyrighted work claimed to have been infringed or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site.
Identification of the material that's claimed to be infringing or to be the subject of infringing activity, and that's to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material.
Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number and, if available, an email address at which the complaining party may be contacted.
A statement that the complaining party has a good faith belief that use of the material in the manner complained of isn't authorized by the copyright owner, its agent or the law.
A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that's allegedly infringed.
The information specified above must be sent to Bolster's Designated Agent, at the following address:
Please note that Section 512(f) of the Digital Millennium Copyright Act may impose liability for damages on any person who knowingly sends meritless notices of infringement. Please don't make false claims.
Any information or correspondence that you provide to Bolster may be shared with third parties, including the person who provided Bolster with the allegedly infringing material.
Upon receipt of a bona fide infringement notification by the Designated Agent, it's Bolster's policy to remove or disable access to the infringing material, notify the user that it's been removed or has disabled access to the material and, for repeat offenders, to terminate such User's access to the Services.
If you believe that your content shouldn't have been removed for alleged copyright infringement, you may send Bolster's Designated Agent a written counter-notice with the following information:
Identification of the copyrighted work that was removed, and the location on the Site where it would've been found prior to its removal
A statement, under penalty of perjury, that you have a good faith belief that the content was removed as a result of a mistake or misidentification
Your physical or electronic signature and your contact information (address, telephone number and, if available, email address)
If a counter-notice is received by the Designated Agent, we may send a copy of the counter-notice to the original complaining party, informing that person that it may replace the removed material or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the user, the removed material may be replaced or access to it restored in 14 business days or more after receipt of the counter-notice, at our discretion.
23. Supplemental Terms And Conditions For The Services
These Supplemental Terms and Conditions apply for the Services and shall prevail over any conflict or inconsistency with the Agreement above. Capitalized terms not otherwise defined below have the meanings provided in the General Terms above.
24. Apple Requirements
If you downloaded the App, any of the Services or product from the App Store, the following terms also apply to you:
A. Acknowledgement: You acknowledge that this Agreement is between you and Bolster only, and not with Apple, and Bolster, not Apple, is solely responsible for the Software and the content thereof.
B. Scope of License: The license granted to you for the Software is a limited, non-transferable license to use the Software on Mac product that you own or control, and as permitted by the Usage Rules set forth in the terms of service applicable to the Mac App Store.
C. Maintenance and Support: Bolster and not Apple is solely responsible for providing any maintenance and support services, for which additional fees may apply, with respect to the Services. You acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Software.
D. Warranty: Bolster is solely responsible for any product warranties, whether expressed or implied by law, to the extent not effectively disclaimed. In the event of any failure of the Software to conform to any applicable warranty, you may notify Apple and they'll refund the purchase price for the Software to you. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Software, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be Bolster's sole responsibility.
E. Product Claims: Bolster, not Apple, is responsible for addressing any user or third-party claims relating to the Software or the user's possession and/or use of the Software, including, but not limited to: (i) product liability claims, (ii) any claim that the Software fail to conform to any applicable legal or regulatory requirement, and (iii) claims arising under consumer protection or similar legislation.
F. Intellectual Property Rights: You acknowledge that, in the event of any third-party claim, that the Software or your possession and use of the Software infringes that third party's intellectual property rights, Bolster, not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim.
G. Legal Compliance: You represent and warrant that (i) you are not located in a country that's subject to a U.S. Government embargo, or that's been designated by the U.S. Government as a terrorist-supporting country, and (ii) you're not listed on any U.S. Government list of prohibited or restricted parties.
H. Developer Contact Info: Direct any questions, complaints or claims to: Bolster Inc., 8455 Colesville Road, Suite 1645, Silver Spring, MD 20910 or email us at hello@Bolster App.
I. Third Party Terms of Agreement: You must comply with any applicable third-party terms of agreement when using the Software.
J. Third-Party Beneficiary: You acknowledge and agree that Apple and Apple's subsidiaries are third-party beneficiaries of this Agreement and that, upon your acceptance of the terms and conditions of the Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce the Agreement against you as a third-party beneficiary thereof.
25. Free Credit Score
Bolster provides all Members with free access to their TransUnion VantageScore 3.0 credit score and provides Members who pay for Bolster Premium Services with access to their credit report (collectively “Credit Score”). By accessing your Credit Score through the Services, you agree to provide Bolster the following credit pull authorization:
I hereby authorize Bolster to periodically obtain and use consumer reports about me in order to provide me with (1) access to my free credit score, including periodic updates to my credit score, and (2) recommendations regarding financial products and services that may be of interest to me, including credit cards, personal loans, home loans and other financial products and services offered by Bolster partners.
If you find discrepancies with your credit score or information from your credit report, please contact Experian directly.
26. About VantageScore 3.0
VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some, but not all, lenders. Higher scores represent a greater likelihood that you'll pay back your debts, so you're viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three (3) different major credit reporting agencies (Experian, TransUnion and Equifax) that maintain a record of your credit history, also known as your credit file. Credit scores are based on the information in your credit file at the time it's requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies.
Your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.
There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. Your VantageScore 3.0 may also differ from your score under other types of VantageScores.
Just remember that your associated risk level is often the same even if the number isn't. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender's score. If the lender's score is lower than your VantageScore 3.0, it's possible that this difference can lead to higher interest rates and sometimes credit denial.
27. Bolster Legal Watch™
If you elect to participate in Bolster Legal Watch through selecting the opt-in box at the time of sign-up, you agree to allow an attorney licensed in your state to review your credit report in search of violations of federal law. Upon finding a violation, you agree that such attorney has permission to contact you at the phone number you provided to us in order to discuss your file and explain next steps for protecting you from further harm caused by the credit bureaus and/or creditors violating laws that were written to protect you. Should you decide to move forward in pursuing those claims, you will sign a fee agreement with a law firm. All law firms are a separate entity from our organization and they pay us a marketing fee for the right to help our clients obtain protection from these violations. Their attorney will handle your case at no cost to you unless you win at which point your attorney will be paid attorneys fees from your case and you would receive money damages of up to $1,000 per violation, should the claims be successful.