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Reimagining financial wellness

Money is the number one unspoken cause for employee turnover. It is also one of the biggest stress factors in an employee's life outside of work. Seedwell is a full spectrum solution for employee personal finance and financial literacy, automating personal finance right from payroll.

Terms of Use

Last updated November 30, 2021

Welcome

Seedwell Inc. (“Seedwell”, “we”, “us”, “our”) welcomes you to its website located at www.seedwell.io (the “Website”) and its mobile application (the “App”). Please read the following terms of use (“Terms of Use”) before using the Website, the App or any services that may be made available through the Website or App, including the Seedwell Automated Income Allocation and Seedwell Knowledge Centre (collectively, the “Services”). By accessing and using the Services, including downloading, installing and using the App, you agree to be bound by these Terms of Use. If you do not agree with these Terms of Use, your sole recourse is to immediately cease visiting the Website or using the App or Services. A copy of these Terms of Use may be downloaded, saved and printed for your reference.

Please note that our Services may not be available in your jurisdiction.

Ownership / restrictions on use

The Services are owned and operated by Seedwell. Any and all content, data, graphics, photographs, images, audio, video, software, systems, processes, trademarks, service marks, trade names and other information including, without limitation, the “look and feel” of the Website or App (collectively, the “Content”) contained in the Services are proprietary to Seedwell, its affiliates and/or third-party licensors. The Content is protected by Canadian, United States and international copyright and trademark laws.

Except as set forth herein, you may not modify, copy, reproduce, publish, post, transmit, distribute, display, perform, create derivative works from, transfer or sell any Content without the express prior written consent of Seedwell. You may download, print and reproduce the Content for your own non-commercial, informational purposes provided you agree to maintain any and all copyright or other proprietary notices contained in such Content, and to cite the URL source of such Content. Reproduction of multiple copies of the Content, in whole or in part, for resale or distribution is strictly prohibited except with the prior written permission of Seedwell. To obtain written consent for such reproduction, please contact us at hello@seedwell.io.

Registration and passwords

To access certain portions of the Services, you may be asked to complete a registration form online or through the App (the “Account”). In consideration for your use of the Services, you agree to provide true, current, complete and accurate information as requested on any registration form to which the Services may direct you, and to update that registration information as soon as possible after any information on such registration form changes.

Upon registration, you will choose a username and password. You alone are responsible for keeping that password and username confidential, and for any and all activity that occurs in connection with your use of the Services under such password or username. You agree to immediately notify Seedwell of any unauthorized use of your password or username or any other breach of security.

Bank account verification

If you subscribe to Seedwell, you direct Seedwell to retrieve your account transaction history, balance information, and/or other information maintained by the financial institution that you choose during Seedwell registration (“Third-Party Account Information”). Seedwell works with one or more third-party service providers to access this Third-Party Account Information. By using the Services, you authorize Seedwell to access this information maintained by identified third parties, on your behalf as your agent, and you expressly authorize such third parties to disclose your information to us. By agreeing to this Agreement, you are also agreeing that you are responsible for keeping your passwords and usernames for this Third-Party Account Information secure and for keeping those passwords and usernames up to date in the Services.

You acknowledge that any Third-Party Account Information that is displayed through the Services will be the information we most recently accessed, and that this information may not reflect pending transactions or other recent activity. Seedwell cannot always foresee or anticipate technical or other difficulties which may result in failure to obtain data or loss of data, personalization settings, device operating environment malfunctions or other service interruptions. Seedwell cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, communications or personalization settings.

Linking

It is our goal to provide increased value to visitors to the Website and users of the App. Therefore, the Service might offer you links to other sites on the Internet that are owned and operated by third parties and therefore not affiliated with us. Please understand that such linked websites are independent from Seedwell and that Seedwell has no control over the content of such websites. Consequently, Seedwell cannot be held liable and makes no warranty or representation whatsoever as to the accuracy, timeliness and/or completeness of the information contained on such websites.

The links which we might place on our Website or the Services do not imply that we sponsor, endorse or are affiliated or associated with, or have been legally authorized to use any trade-mark, trade name, service mark, design, logo, symbol or other copyrighted materials displayed on or accessible through such sites.

Marketing offers

In connection with your use of the Services, we may send or otherwise provide you with marketing offers about third-party financial products or services that may be of interest to you (“Third Party Offers”). Seedwell makes no representations or guarantees regarding your eligibility or qualification for such Third Party Offers. If you have any questions regarding any Third Party Offers, you must contact the third party directly. You understand and agree that Seedwell is merely providing you with information on Third Party Offers that may be of interest to you, and that Seedwell has no control over or responsibility for the Third Party Offers or any loss that you may suffer as a result of the use of such Third Party Offers. You should exercise your own judgment and obtain any expert advice you consider necessary prior to entering into an arrangement with a third party.

User code of conduct

As a condition of your continued access to and use of the Services, you agree to abide by all applicable federal, provincial, state, territorial and other laws and regulations and the “Code of Conduct” set forth below. Specifically, in addition, without limiting the foregoing, you agree not to:

1. upload, post, e-mail or otherwise transmit any material that:
   1. constitutes unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation;
   2. infringes any patent, trademark, trade secret, copyright or other proprietary or privacy rights of any party;
   3. is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, racially, ethnically or otherwise objectionable, or an unfair product comparison; or
   4. contains any form of destructive software such as a virus, worm, Trojan horse, time bomb, cancelbot, or any other harmful components or any other computer file, program or code, designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications equipment;
2. harvest or otherwise collect or store any information (including personally identifiable information) about other users of the Services, including e-mail addresses, without the express consent of such users;
3. for the purpose of misleading others, create a false identity of the sender or the origin of a message, forge headers or otherwise manipulate identifiers in order to disguise the origin of any material transmitted through the Services;
4. attempt to gain unauthorized access to the Services, other computer systems or networks connected to the Website, through password mining or any other means;
5. interfere with or disrupt networks or servers connected to the Services or violate the regulations, policies or procedures of such networks; and
6. use, download or otherwise copy, or provide to any person or entity any Website users directory or other user or usage information or any portion thereof other than in the context of your use of the Services.

The Services may include a community forum or other social features to exchange information with other users of the Services and the public. Seedwell does not endorse and is not responsible for the content in these community forums. Please use respect when you interact with other users. Do not reveal information that you do not want to make public. Users may post hypertext links to the content of third parties for which Seedwell is not responsible.

Disclaimer / limitation of liability

THE LAWS OF CERTAIN JURISDICTIONS, INCLUDING IN THE PROVINCE OF QUEBEC, DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LEGAL WARRANTIES, LIABILITY OR CERTAIN DAMAGES OR LIMITATIONS OF REPRESENTATIONS MADE CONCERNING GOODS OR SERVICES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE BELOW EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH CASE, EXCLUSIONS/LIMITATIONS WILL APPLY TO THE GREATEST EXTENT CONSISTENT WITH APPLICABLE LAW.

Although we strive to update and keep accurate as much as possible the Content contained in the Services, errors and/or omissions may occur and we cannot guarantee it is accurate and complete at all times. As noted above, through the Services you may receive predictions about your financial situation including, for example, predictions about your upcoming bills (each, a “Prediction”). You understand and acknowledge that each Prediction merely represents our attempt to predict the relevant facts regarding your Bank Account, that we do not guarantee the accuracy of any such Prediction. Except as expressly set forth herein any use of the Website, the App and the Services, and any decision of yours to act upon any Prediction is your sole responsibility.

ACCORDINGLY, TO THE FULLEST EXTENT PERMITTED BY LAW, THE WEBSITE AND APP, INCLUDING THE CONTENT, THIRD PARTY OFFERS AND SERVICES PROVIDED THEREIN (INCLUDING ANY THIRD PARTY BANK ACCOUNT VERIFICATION SERVICES), IS BEING PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED. SEEDWELL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. SEEDWELL DOES NOT WARRANT THAT THE FUNCTIONS ON THE WEBSITE OR THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

IN NO EVENT SHALL SEEDWELL, ITS AFFILIATES, MEMBERS, OFFICERS, EMPLOYEES, AGENTS AND LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM OR IN CONNECTION WITH THE USE OF, OR THE INABILITY TO USE, THE WEBSITE, ANY CONTENT OR SERVICES (INCLUDING THIRD PARTY OFFERS), EVEN IF SEEDWELL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, RELIABILITY OR CURRENCY OF ANY CONTENT.

No advice

By using the Services, you understand and acknowledge that any information Seedwell provides to you is for informational purposes only and does not constitute financial, legal or other advice to you and should not be relied upon in that regard. In addition, Seedwell does not promise or guarantee that the information provided to you will increase your net worth.

The Services 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 certified financial advisers who are fully aware of your individual circumstances.

Indemnity

You agree to indemnify and hold harmless Seedwell, its affiliates, members, officers, employees, agents, and licensors from and against any and all losses, expenses, damages, claims, fines, penalties, costs and liabilities (including reasonable legal and accounting fees), resulting from your (or anyone acting under your password or username) use of the Services, connection thereto, or any alleged violation by you of these Terms of Use, including, without limitation, the Code of Conduct and Third Party Offers.

Privacy

Please review our Privacy Policy for information on the manner in which we collect, use, disclose and otherwise manage your personal information.

Contests

From time to time we may offer and/or co-sponsor contests or promotions in connection with the Services. Each of these activities shall be governed by specific rules accessible from the pages of the Website or App offering the promotion or when you submit your entry.

Changes and termination

EXCEPT WHERE PROHIBITED BY LAW, INCLUDING THE PROVINCE OF QUEBEC, Seedwell reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Services (or any part thereof) with or without notice. Further, Seedwell reserves the right to change these Terms of Use at any time and to notify you by posting an updated version of the Terms of Use on this Website. You are responsible for regularly reviewing the Terms of Use, including, without limitation, by checking the date of “Last Update” at the bottom of this document. Continued use of the Website or App after any such changes shall constitute your consent to be bound by such changes, with continued provision of the use of the Website constituting consideration from Seedwell to you for so being bound. Your only right with respect to any dissatisfaction with (1) these Terms of Use (2) any policy or practice of ours in operating the Website or App or (3) any Content available through the Website or App, is to stop visiting and using the Services and/or to close your account by contacting us at hello@seedwell.io.

App updates and upgrades

You consent to receive updates or upgrades to the App automatically through the Internet without providing further consent each time. The App (including any updates or upgrades) may: (i) cause your device to automatically communicate with Seedwell's servers to deliver the functionality described in the App description or through new features as they are introduced, and to record usage metrics; (ii) affect preferences or data stored on your device; and (iii) collect personal information as set out in our Privacy Policy. Seedwell is not responsible if an update or upgrade affects how the App works if this is caused by your own equipment or device not supporting the update or upgrade. You can withdraw consent at any time under certain conditions by contacting Seedwell.

Trademarks

“Seedwell” is a trademark of Seedwell. Other marks, graphics, typefaces, trademarks and logos appearing in connection with the Services are trademarks or trade dress of Seedwell. All other trademarks appearing on the Services are property of their respective owners. Our trademarks and trade dress may not be used in any manner for any purpose without our express written consent.

Applicable laws

EXCEPT WHERE PROHIBITED BY LAW, INCLUDING IN THE PROVINCE OF QUEBEC, these Terms of Use shall be governed by and construed in accordance with the laws of the Province of Ontario and of the laws of Canada applicable therein, and any dispute is to be submitted to a court of competent jurisdiction in the judicial district of Toronto, Province of Ontario. Except if prohibited by law, the place of these Terms of Use is Toronto, Ontario.

If any provision of the present Terms of Use shall be unlawful, void, or for any reason unenforceable, then such provision shall be severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions. A printed copy of these Terms of Use and of any notice in electronic form shall be admissible in any judicial or administrative proceedings to the same extent and under the same conditions as other business documents and records originally generated and maintained in printed form.

These Terms of Use and any and all other legal notices or statements posted on the Website or App constitute the entire agreement between you and Seedwell with respect to the use of the Website or App, including the Content.

Notice

Notices to you may be made via e-mail or regular mail, or in cases of changes to these Terms of Use or to the Services offered by the Website or App, by posting notices or links to such notices on the Website or App itself.

Language

The parties hereto have expressly requested and required that these Terms of Use and all other related documents, including notices, be drawn up in the English language. Les parties aux présentes conviennent et exigent expressément que ce contrat et tous les documents qui s'y rapportent, y compris tout avis, soient rédigés en langue anglaise.

Contact

If you have any questions or comments regarding these Terms of Use, please contact us at hello@seedwell.io.

Apple App Store additional license terms

1. The parties acknowledge these Terms of Use are concluded between the parties, and not with Apple. The responsibility for the App and content thereof is governed by these Terms of Use.
2. Notwithstanding anything to the contrary hereunder, you may use the App only on an iPhone or iPad that you own or control.
3. You and we acknowledge that Apple has no obligation to furnish any maintenance or support services with respect to the App.
4. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the App (if any) to you. Except for the foregoing, to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be governed by these Terms of Use.
5. Any claim in connection with the App related to product liability, a failure to conform to applicable legal or regulatory requirements, or claims under consumer protection or similar legislation is governed by these Terms of Use, and Apple is not responsible for such claim.
6. Any third party claim that the App or your possession and use of the App infringes that third party's intellectual property rights will be governed by these Terms of Use, and Apple will not be responsible for the investigation, defense, settlement and discharge of such intellectual property infringement claim.
7. You represent and warrant that you are not: (i) located in any country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country; or (ii) listed on any U.S. Government list of prohibited or restricted parties.
8. You may contact us in writing regarding any notices, questions, complaints or claims with respect to the App by email at hello@seedwell.io.
9. Apple is a third party beneficiary to these Terms of Use and may enforce these Terms of Use against you.
10. If any of the terms and conditions in these Terms of Use are inconsistent or in conflict with Apple's applicable instructions for Minimum Terms for Developer's End User License Agreement or the App Store Terms of Service, the terms and conditions of Apple's instructions for Minimum Terms for Developer's End User License Agreement or App Store Terms of Service, as applicable, will apply to the extent of such inconsistency or conflict.

Google Play additional license terms

If the App is provided to you through the Google Inc. (Google Inc. together with all of its affiliates, “Google”) Google Play, the following terms and conditions apply to you in addition to all the other terms and conditions of these Terms of Use:

1. You acknowledge that Google is not responsible for providing support services for the App.
2. If any of the terms and conditions in these Terms of Use are inconsistent or in conflict with the Google Play Developer Distribution Agreement, the terms and conditions of Google's Google Play Developer Distribution Agreement will apply to the extent of such inconsistency or conflict.

Last Updated November 30, 2021

Privacy Policy

Last updated May 1, 2021

Seedwell Inc. values and respects your privacy. We have prepared this privacy policy to explain the manner in which we collect, use and disclose personal information through our financial planning platform, through our website located at Seedwell.io (the “Website”) and in our mobile application (the “App”), and in our other interactions with you.

Seedwell provides a powerful financial platform (the “Platform”) that automates wealth building and helps educate individuals about the best use of their employment income. Seedwell's Customers are employers who wish to provide the Seedwell Platform to their employees as part of their workplace benefits packages. The Platform is not currently available for use by individual consumers who are not employees of a Seedwell Customer.

Collection and use of personal information

How we collect and use personal information

Seedwell's Platform is provided to employees as part of their employer-provided benefits package. The employers with whom we partner are our Customers, and the employees who use our Platform as part of their employer-provided benefits are our Users. The Platform Seedwell is only available to individuals that are current employees of our Customers. If you are a current user of our product, please note that you will not be able to access the full range of services offered by the Platform after the termination of your employment with your current employer.

To provide the Platform to our Users, we collect and use personal information in the following ways:

1. To create and administer User accounts
2. To provide Users with financial planning recommendations
3. To generate insights and recommendations for our Customers
4. To continuously improve our Platform
5. To send updates on our products, such as through newsletters and blog posts
6. To offer contests or promotions, or to conduct surveys
7. To respond when you contact us with a comment, question or complaint

Registering new Users

You do not have to register to visit or use our Website or download our mobile App. However, you will need to register for a User account in order to obtain our financial planning services through the Platform, whether as a User of our desktop dashboard or in the mobile application (or both). To create your user account, we require certain information, which we will collect directly from your employer and use to pre-populate your registration page. You will have an opportunity to review and update or correct this information as part of the registration process.

The information we collect from your employer includes your first and last name, gender, date of birth, and mailing address. We may also collect information about the individuals with whom you share your finances (such as your spouse, siblings, parents, or relatives), and information about your financial dependents. The information we collect about your dependents and relatives includes first and last name, date of birth, income (if applicable), and the nature of your relationship. We also collect information about the benefits plan (and its rules) that your employer makes available to you. We use all of the above information to create and administer your account, and to facilitate your use of our Platform. We also use the information you provide or we receive from your employer to better understand our users and to personalize the Platform for their use.

You will also be required to register using your email address and a password that you create. We strongly recommend that you do not disclose your password to anyone. We will never ask you for your password in any unsolicited communication (such as letters, phone calls or email messages). If you become aware of any unauthorized access to or use of your account, you are required to notify us immediately.

Providing financial planning recommendations to our Users

The Seedwell Platform offers users the opportunity to receive tailored recommendations on how they should allocate their employment income every pay period. For example, our Platform may recommend, based on your financial profile, that you allocate a certain percentage of your employment income to a savings account, while allocating another percentage to paying off your line of credit. To make these recommendations, we need to collect certain information from you, including information about your current bank accounts, your savings goals, your current investments, financial assets, and your liabilities (such as credit card debt). With your permission, we will also connect to your relevant bank accounts and collect information about your past transactions. We collect this information from you during the user registration process.

We use all of the information set out above only for the limited purposes discussed in this privacy policy, including for the purpose of generating insights and providing recommendations to you about the best way to allocate your employment income, and to then deposit your income into your bank accounts in accordance with your instructions. We do not use this information for any other purposes. We do not disclose this information, in identifiable form, to your employer.

Generating insights for our Customers

We use information collected from employees to generate aggregated statistics about a workplace's financial health, in order to make recommendations to employers (who are our customers) about the kinds of financial products and programs they should offer to their employees as part of their workplace benefits, and the initiatives they can implement in the workplace to improve their employees' financial health. We work hard to ensure that any insights provided to employers are not traceable back to a specific person.

To continuously improve the Platform

We collect and analyze data derived from the use of our website, our mobile App, and the Platform generally, including data relating to the number of page views, return visits, track time/clicks, functionalities used, and time spent using the Website and Platform. We use this information to better understand the usage of our services and to improve and enhance the Website and the Platform. The information we collect for this purpose may also include log data from your device, its software, and your activity using the Platform, including your device's Internet Protocol (“IP”) address, browser type, locale preferences, identification numbers associated with your devices, your mobile carrier, date and time stamps associated with transactions, system configuration information, metadata concerning your Files, and other interactions with the Platform.

To send updates and marketing communications

If you sign-up to receive email marketing communications such as newsletters, we collect your email address as well as other information on an optional basis to help us tailor our communications to you. You can unsubscribe at any time by clicking the “unsubscribe” link included at the bottom of each email. Alternatively, you can opt out of receiving email marketing communications by contacting us at the contact information provided in the “Contact Us” section below. Please note that you may continue to receive transactional or account-related communications from us.

Contact us

If you have questions about this policy or how we handle your personal information, contact us at hello@seedwell.io or 120 East Beaver Creek Rd, Suite 200, Richmond Hill, ON L4B 4V1.

Last Updated May 1, 2021