Terms of Use


I. Quemulus Services

Quemulus offers its Money Clouds® Platform ("Platform") that allows Customers to create, manage, and save for personal goals. You acknowledge that you have read, understood, and agree to be bound by this Terms of Use. Quemulus, Inc. is hereinafter referred to as "Quemulus" and intermittently as "we" or "us". The use of the Platform is subject to the following terms of use. We may update these terms from time to time and encourage you to check for updates. BY USING QUEMULUS PROVIDED SERVICES, YOU AGREE TO THESE CONDITIONS. PLEASE READ THEM CAREFULLY.

II. Electronic Communications

You consent to receive communications and notifications from us electronically. We will communicate with you by e-mail or by posting notices on the Platform regarding updates to this Terms of Use, Customer Agreement, Privacy Policy, or any other important notice as required by law. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirements regarded as "in writing".

III. Intellectual Property Rights

The contents of the Platform, websites, documentation, correspondence, or other similar assets including any text, graphics, software, and multi-media are protected under United States laws and regulations. Any unauthorized use of our content may violate the law. The trademarks, service marks, and logos used and owned by Quemulus are registered with the United Patent and Trademark Office. Quemulus does not grant any customer the rights to use the content without prior written consent from Quemulus. Quemulus does not grant any rights or license, by implication or otherwise, to use its marks without prior written consent specific for each use of the mark. You will not post content or take any action on Quemulus that infringes or violates someone else's rights or otherwise violates the law. If we believe that you have infringed copyright law or any other applicable law, you will have 24 hours from the date of notice to respond to us either in writing or via email to provide supporting claims against the alleged infringement. If we do not find your response satisfactory, we may remove the content in question from the Platform at our sole discretion. If you believe that any content is in violation of any applicable law, please inform us and we will review all claims received. If we deem the content in question is in violation of applicable law, we will remove it. Please see our Copyright Infringement instructions.

IV. Fees

You agree to pay the charges as shown on the Fee Schedule. Fees are non-refundable.

V. Limitation of Liability and Warranty

WE ARE REQUIRED BY LAW TO MAKE THIS TEXT CONSPICUOUS. PLEASE READ THE TEXT BELOW CAREFULLY. Quemulus explicitly disclaims warranties of any kind relating to the use of its Platform, website, or services including, but not limited to, implied warranty of merchantability, fitness for a particular purpose, or non-infringement. Quemulus shall not be liable for any kind of damages whether direct, indirect, incidental, or consequential relating to your use of its Platform, website, or services.

VI. Limited Responsibility

Quemulus may link to external websites and these links do not represent our endorsement of external content. We are not responsible for any external content.

VII. Indemnification

If anyone brings a claim to us related to your actions, content, or information, you will indemnify and hold us harmless from and against all damages, losses, and expenses of any kind (including reasonable legal fees and costs) related to such claim. Quemulus does not control or direct customers' actions on the Platform and we are not responsible for the content or information customers transmit or share on the Platform. Quemulus is not responsible for any offensive, inappropriate, obscene, unlawful, or otherwise objectionable content or information you may encounter on the Platform.

VIII. Termination

Quemulus may terminate this agreement at will. We reserve the right, at our sole discretion, to restrict, suspend, or terminate this agreement and your access to all or any part of the Platform at any time and for any reason without prior notice or liability. We reserve the right to change, suspend, or discontinue all or any part of the Platform at any time without prior notice or liability.

IX. Modifications

Quemulus reserves the right to change this Terms of Use or any portion of it at any time, without prior notice.

X. Disclaimers

You understand and agree that the use of the Platform is done solely at your own risk. The services are provided on a strictly "AS IS" and "AS AVAILABLE" basis. Quemulus explicitly makes NO WARRANTY with regard:

  1. TO YOUR TRANSACTIONS
  2. TO THE DECISIONS YOU MAKE THROUGH THE PLATFORM
  3. THAT THE PLATFORM WILL MEET YOUR REQUIREMENTS
  4. THAT THE PLATFORM WILL BE UNINTERRUPTED OR ERROR FREE
  5. THE AVAILABILITY OF YOUR INTERNET PROVIDER TO ACCESS THE PLATFORM AT ANY TIME OR FROM ANY LOCATION

XI. Governing Law

This Terms of Use shall be governed by and construed in accordance with the laws of the State of Washington.