Terms of Service

1. SCOPE.

These Terms of Service (“TOS”) shall apply and be deemed incorporated by reference to each Order Form which references or accompanies these Terms of Service. Partner will order from Beacon Finance LLC, (“The Firm”), and Beacon Finance agrees to provide the Services in accordance with the terms and conditions set forth herein and as set forth in an Order Form (collectively, the “Agreement”).

2. ORDERING.

Partner will procure Services using an Order Form that references these TOS. Partner’s subscription plan for the Services is specified in the applicable Order Form. Such Order Form will be binding upon signature by both Partner and Beacon Finance.

2.1. Term. These TOS commence on the date of Partner’s acceptance of the applicable Order From (the “Effective Date”) and will continue for the period set forth in the Order Form, unless terminated earlier pursuant to Section 12.1 (the “Initial Term”).

2.2. Renewal. The Initial Term shall automatically renew for one (1) month term (the “Renewal Term” together with the Initial Term, the “Term”) unless either party provides written notice to the other party of their intention not to renew the Order Form at least sixty (15) days prior to the expiration of the then-current Term. Beacon Finance may not increase the Fees set forth in the applicable Order Form during the Term except that Beacon Finance may increase such Fees for future periods, provided that Beacon Finance notifies Partner of any Fee increase no later than ninety (5) business days before the end of the Initial Term or any Renewal Term.

2.3. Upgrades, Partner may add additional billable hours to a current subscription or upgrade a current subscription via the Beacon Finance website at any time. Beacon Finance reserves the right to decline the addition of billable hours and subscription upgrades for any reason. Fees for the Term will be charged at the rate specified in the Order Form, and in any Renewal Term. If Partner exceeds the then-current volume entity tier (hours or transactions) for the applicable Service set forth in the Order Form, Partner will be automatically charged additional billable hours. Additionally, the same mechanism applies for each and every Partner’s Average transaction volume, such that an increase in Average Monthly transactions into a higher tier range will result in an automatic price increase for that particular Partner Customer according to the then current Average Monthly expense pricing tiers.

2.4. Committed Minimum Entity and Average Expense Tiers. Partner may not reduce commitment under the Service subscription plan specified in the Order Form during the applicable Term. Partner is not entitled to any refund of fees paid or relief from fees due if the volume of Services Partner actually uses is less than the Partner’s committed volume set forth in the Order Form, and Partner may not carry over any unused volume to Partner’s next Renewal Term.

2.5. Order Form Control. In the event of a conflict between the terms and conditions of these TOS and those of an Order Form, the terms and conditions of these TOS will control, provided that to the extent any Order Form includes terms and conditions not addressed in these TOS or not in conflict with the terms and conditions of these TOS, then such terms and conditions will supplement and be a part of these TOS.

3. FEES, PAYMENT TERMS & TAXES.

3.1. Fees. Partner will pay Beacon Finance the Fees set forth in an applicable Order Form for the Services as consideration for the Services provided by Beacon Finance in accordance with these TOS, with the first such payment due immediately as of the Effective Date. Any and all Fees paid up through the point of termination or expiration shall be nonrefundable.

3.2. Payments. Payment will be facilitated by auto debit via ACH or Credit Card. Beacon Finance will request Partner’s banking or credit card information separately via a secure form and process recurring autopay for Beacon Finance services.

3.3. Late Payments & Disputes. Partner will incur a monthly finance charge of one and a half percent (1.5%) for any balance that is overdue; access to Beacon Finance services shall be suspended if past due amounts are over five (5) days past due. Partner shall be responsible for any reasonable and documented costs incurred by Beacon Finance in the collection of unpaid invoices that are more than thirty (30) days past due, including, but not limited to, collection and filing costs and reasonable attorney’s fees.

If Partner disputes any portion of an invoice, Partner agrees to pay the undisputed portion of the invoice and to submit a written dispute within ten (10) business days of the invoice date. Partner’s dispute must include written documentation to support the dispute. Upon receipt of a written dispute from Partner, the parties will attempt to resolve the dispute through good faith negotiation. If the parties fail to resolve such dispute within thirty (30) days after delivery of such notice, then either party may seek arbitration in accordance with the procedures set forth in Section 14.2. Partner’s failure to submit a written dispute of charges within such time shall be deemed final acceptance of all charges.

3.4. Taxes. All Fees are exclusive of any federal, state, or local sales or use taxes, or any other taxes or fees assessed on, or in connection with the Services.

3.5. Clean-Up Services and Special Projects. Services rendered to Partner in connection with bringing Partner books current, commonly referred to as catch-up/clean-up services, or other services (collectively, “Clean-up Services”) not included in monthly Fees, as may be specified by Beacon Finance from time to time, and in the case of all the foregoing, must be approved in advance in writing (email to suffice) by Partner. Clean-up Services are assessed per the type of entity; pricing is available upon request. Clean-up Service fees will be invoiced as one-time, separate invoice(s). Notwithstanding the foregoing, Beacon Finance shall not charge Partner for any such additional or Clean-up Services that are incurred as a direct result of errors or gross negligence on the part of Beacon Finance.

4. SERVICES.

4.1. Access to Services. Subject to the terms and conditions of these TOS, Beacon Finance will provide the Services to Partner for the Term as provided in the Order Form. These TOS do not permit access by persons who are not Authorized Users. Partner understands and acknowledges that the Services are made accessible by Beacon Finance to Partner via Internet connections pursuant to the terms and conditions of these TOS and the Standard Operating Procedures. Beacon Finance reserves all rights not specifically granted to Partner hereunder. Nothing herein will prevent Beacon Finance or its licensors, if any, from promoting, providing, licensing, or sublicensing the Services or providing any services to other parties.

4.2. Documentation License Grant. Subject to the terms and conditions of these TOS, Beacon Finance grants to Partner a limited, revocable, non-exclusive, non-transferable, and non-sublicensable right and license to use and make copies of the Documentation for its internal use, archival purposes, and for training and education of Partner’s Authorized Users, provided that all proprietary notices of Beacon Finance and its licensors, if any, are reproduced.

4.3. Prohibitions. Under no circumstances may Partner modify, unbundle, sublicense, hypothecate, sell, assign, transfer, display, distribute, lend, rent, or lease the Services or any portion thereof to any third party. All proprietary and/or other notices of Beacon Finance or its licensors, if any, shall be provided and maintained on the Services at all times. Third parties may not be given access to the Services.

4.4. Ownership. Access to the Services is subscription-based and not sold. Partner will not, by virtue of these TOS or otherwise, acquire any rights whatsoever in the Services, and Partner hereby expressly disclaims any other rights therein. Beacon Finance will have and retain all right, title, and interest in and to the Services and all intellectual property comprising the Services, as well as any modifications or enhancements made thereto or any derivative works made therefrom, with the sole exception of any Partner Data or Confidential Information provided by Partner. Partner hereby irrevocably assigns to Beacon Finance ownership of any and all suggestions, feedback, modifications, enhancements, improvements, alterations, changes, or revisions to the Services made or suggested by Partner or its Authorized Users. Partner will cooperate with Beacon Finance to confirm such assignments and Beacon Finance’s ownership of such modifications. Partner acknowledges that Beacon Finance has expended a significant amount of time and energy in the creation of the valuable Services and will take no actions that may detrimentally affect such Services. Partner will not allow any third party to use or view the Services without Beacon Finance’s prior written consent.

4.5. Restrictions. Unless otherwise agreed to in these TOS, Partner agrees it will not: (a) sell or lease any or all of the Services to non-Authorized Users; (b) provide, transmit, disclose, divulge, or make available to, or permit use of the Services by, any third party or entity or machine that is not an Authorized User; (c) use the Services in a service bureau, outsourcing or other arrangement to process or administer data on behalf of any third party that is not an Authorized User; (d) install, provide as a service, bundle, disclose, copy, use, or make the Services available for use, or otherwise utilize any or all of the Services in any manner that is not explicitly authorized in these TOS; (e) publish, post, upload, or otherwise transmit any data that contains any viruses, Trojan horses, worms, time bombs, corrupted files or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept, or expropriate any systems, data, personal information, or property of another; (f) use or knowingly permit the use of any security testing tools in order to prove, scan, or attempt to penetrate or ascertain the security of the Services; (g) use or launch, or knowingly permit the use or launch of, any automated system, including, without limitation, “robots,” “spiders,” or “offline readers,” that access the Services in a manner that sends more request messages to the Services in a given period of time than a human can reasonably produce in the same period by using a conventional online web browser; or (h) permit or assist any third party with any of the foregoing restrictions.

4.6. Notification. Partner will promptly notify Beacon Finance of any determination, discovery, or notification that any person or entity is or may be misusing or infringing any Services. Partner will not take any legal action relating to the protection or defense of any Services without Beacon Finance’s prior written approval.

5. OBLIGATIONS OF THE PARTIES.

5.1. Partner Obligations. Partner shall have the sole responsibility for acquiring, installing and maintaining its own technology environment and equipment necessary to properly access, operate and utilize the Services, including, without limitation: servers, Internet access, LANs and WANs; for any communications or other costs incurred in operating, accessing and using the Services; and for any other expenses relating to the foregoing. Partner shall be responsible for selecting and training adequate personnel with the requisite experience necessary to operate Partner’s systems and who are familiar with Partner’s records associated with the Services. Partner shall establish adequate operational back-up systems and procedures to ensure recovery and continuity of its systems and operations in the event of a failure. Partner shall be solely responsible for the security and confidentiality of any usernames or passwords granted to Partner or its Authorized Users to access the Services, and shall limit disclosure of such usernames and passwords to its Authorized Users. Partner shall be solely responsible for any authorized or unauthorized access to the Services using such usernames and passwords, and any actions taken thereunder. Partner shall limit use of access to the Services solely to those of its Authorized Users whose duties require such use and access and shall undertake best efforts to ensure that Beacon Finance’s Confidential Information and Beacon Finance’s intellectual property are kept secure. Partner shall use its best efforts to ensure that all Authorized Users afforded access to the Services and any other information and materials produced or disclosed in connection therewith protect the same against unauthorized use, dissemination or disclosure. Partner shall have the sole responsibility for maintaining the privacy and security of all Partner Data. Partner agrees to co-operate with Beacon Finance as necessary to allow Beacon Finance to provide the Services and perform its obligations pursuant to these TOS, and to provide, in a timely manner, such information, including the Partner Data, that is complete and accurate in all respects, as Beacon Finance may require to perform the Services.

5.2. Regulatory Compliance. Partner assumes sole and complete responsibility for ensuring that it and its Authorized Users’ use of the Services and all related Partner policies and procedures are in compliance with all applicable federal, state and local laws and regulations, including, without limitation, laws relating to confidentiality of consumer information, and any other federal, state or local privacy or information security laws or regulations.

5.3. Beacon Finance Support and Maintenance Limitations. Subject to the terms of the Standard Operating Procedures, Beacon Finance shall use commercially reasonable efforts to correct verifiable and reproducible errors in the Services reported to Beacon Finance by Partner. As used in these TOS, an “error” is any failure of the Services to function in substantial conformity with the applicable Documentation provided by Beacon Finance. Beacon Finance may correct errors by making revisions or by providing reasonable “work-around” solutions. Beacon Finance reserves the right to modify any Documentation if such Documentation, in Beacon Finance’s sole determination, incorrectly describes the Services functions and may do so in order to resolve an error. Beacon Finance retains sole discretion to determine whether and when to make new releases available and the terms on which they will be made available to Partner. Except as otherwise set forth in Order Form, support services provided under these TOS do not include on-site consultation, systems administration, facilities management, or customized programming support to resolve problems resulting from Partner equipment used to access the Services, resulting from modifications to the Services not made or authorized by Beacon Finance, or resulting from the combination of or interface for the Services with other programming or equipment if the combination or interface has not been made by or approved in writing by Beacon Finance. In addition, support is not provided under these TOS for third-party software, hardware, or networks. Any time spent by Beacon Finance attempting to provide such support or services may be charged to Partner at Beacon Finance’s then-standard hourly rates. To ensure appropriate performance and security of the Services, Beacon Finance may routinely perform maintenance on a regularly scheduled basis. This may require the Services, or a portion thereof, to be suspended during the maintenance period. Beacon Finance will use reasonable efforts to notify Partner in advance of any scheduled maintenance that may adversely affect Partner’s access to the Services. Under certain circumstances, Beacon Finance may need to perform emergency maintenance, including, without limitation, a security patch installation or hardware replacement. Beacon Finance may not be able to provide Partner with advance notice in case of emergency maintenance.

5.4. Security. Beacon Finance shall use commercially reasonable efforts designed to ensure that it provides security programs and procedures relating to the Services and Partner Data. Partner and Beacon Finance agree to use reasonable efforts to prevent unauthorized persons from having access to the Services, or any equipment providing the Services. Each party agrees to notify the other party promptly upon becoming aware of any unauthorized access or use of the Services or Partner Data by any third party.

6. PARTNER’S RESPONSIBILITY FOR USE.

6.1. Acceptable Use. Partner assumes sole and complete responsibility for ensuring that the Services are used only by Authorized Users, and that Authorized Users do not make unauthorized use of the Services. Unauthorized use includes, without limitation: (a) use of the Services to access websites other than the Beacon Finance website; (b) attempts to gain access to data about individuals other than for legitimate business purposes; (c) alteration or modification of individual data or of any Services configuration values from the originally delivered values; (d) accessing the Services through any technology or means other than through the user account information provided to Partner by Beacon Finance; (e) if Beacon Finance and Partner have agreed that Partner will use the Services from dedicated computers, installation or use of the Services on computers other than the dedicated computers; and (f) any use of the Services or the information contained therein in violation of any applicable law or regulation. Partner will ensure that Authorized Users comply with the following requirements, and will be responsible and fully liable for any noncompliance by Authorized Users: (i) Authorized Users must not enter or transmit any information using the Services that is unlawful, false, offensive, defamatory, or infringes the rights of any person; (ii) Authorized Users must not use the Services in a way that disrupts use of the Services by others; and (iii) Authorized Users must not use any information obtained through the Services except for the purpose for which the information was provided, and must not attempt to use the Services to gain unauthorized access to information.

6.2. Suitability. Partner shall be responsible for determining the suitability of the Services for its operations and whether the Services will achieve the results Partner desires. The Services are provided as a tool for Partner to use as Partner sees fit in its business. As with manually kept records, records kept using the Services may contain errors, whether resulting from incorrect input or recording of information, Services errors, or other causes. Partner is solely responsible for understanding the limitations of the Services. Partner shall be responsible for ensuring the accuracy of any data input into the Services, ensuring and confirming the accuracy of any output and results created by the Services prior to use or dissemination, and undertaking procedures to test, identify and correct any errors or omissions relating to the foregoing.

6.3. Application. Partner and Authorized Users, or their related parties, are solely responsible for any decisions made, advice rendered, or other actions taken based on information obtained using the Services. Partner acknowledges that any information obtained through the use of the Services is only a single factor, among many, in any decision made by Partner and that such decisions are instead based on the totality of the circumstances and not solely on the results obtained from the use of the Services.

7. PARTNER DATA.

7.1. Data Location. All Partner Data shall reside on Beacon Finance systems powered by Amazon Web Services (AWS) servers in the United States.

7.2. Partner Data. The Services involve the receipt, processing, and storage of data input by Partner and its Authorized Users. Because Partner Data is provided by Partner and its Authorized Users, Beacon Finance does not control such Partner Data. In connection with Partner Data, Partner affirms, represents, and warrants that Partner owns or has the necessary licenses, rights, consents, and permissions to use and authorize Beacon Finance to use all Partner Data in the manner contemplated hereunder and to transfer to and process such Partner Data within the United States as may be required by applicable law. Partner shall provide Beacon Finance with copies of any consents or other materials as may be requested by Beacon Finance, as relevant and applicable, and shall use any consent forms that may be required by Beacon Finance. Partner represents and warrants that Partner has all the rights necessary for Partner to grant the rights in Section 8.1, and the use of Partner Data does not violate any law. By providing Partner Data, Partner hereby grants Beacon Finance a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, modify, edit, adapt, publish, translate, incorporate, prepare derivative and collective works utilizing, display, and perform the Partner Data for purposes of providing access to the Services to Partner under these TOS. Additionally, Partner grants to Beacon Finance a worldwide, non-exclusive, perpetual, irrevocable, royalty-free, sublicensable, and transferable license to use, reproduce, adapt, perform, compile, display, incorporate, modify, and create derivative and collective works utilizing Partner Data in a de-identified format for the improvement of the Services and Beacon Finance’s other products and services (as may exist now or in the future). For the avoidance of doubt, Beacon Finance will compile and present any such Partner Data that it so uses in such a manner that data cannot reasonably uniquely identify, either explicitly or implicitly, Partner or any individual.

7.3. Inaccurate Partner Data. All Partner Data originates from Partner and its Authorized Users, and as such, is beyond the control of Beacon Finance. Beacon Finance neither initiates the uploading and/or input of such Partner Data nor monitors the specific content or accuracy of the Partner Data being uploaded and/or input. Without limiting the generality of any other provision of these TOS, Beacon Finance shall have no responsibility or liability related to the accuracy, content, currency, completeness, or delivery of the Partner Data provided by Partner or its Authorized Users. Partner is responsible for the accuracy, content, currency, completeness, and delivery of the Partner Data uploaded and/or input by its Authorized Users, and Partner warrants that the Partner Data posted by its Authorized Users is accurate, current, and complete.

7.4. Data Security Requirements. Beacon Finance shall and shall cause Beacon Finance’s employees, service providers and subcontractors (“Beacon Finance Agents”) to implement, maintain and enforce administrative, physical, logical, and other security measures to prevent the unauthorized access, use, corruption, loss or disclosure of Partner Data and Confidential Information of Partner and the Authorized Users that are consistent with generally accepted industry best practices, information security policies of Beacon Finance and laws and regulatory requirements applicable to the protection and use of Partner Data and Confidential Information. Annually, Beacon Finance shall provide its then-current information security policies to Partner. Beacon Finance shall and shall cause the Beacon Finance Agents to encrypt all Partner Data during storage and transmission and shall provide secure and lawful storage, transmission and disposal of the Partner Data and Confidential Information.

8. WARRANTIES.

8.1. Mutual Representations and Warranties. Each party represents and warrants that it has full authority to enter into and perform its obligations under the terms of these TOS and that the execution of these TOS will not conflict with any contract, obligation, or order to which it is subject or bound. Each party represents and warrants that it will comply with all applicable federal, state, and local laws, rules, and regulations in connection with its performance and obligations under these TOS.

8.2. Services Warranty. Beacon Finance warrants that: (i) to the best of Beacon Finance’s knowledge, the Services, as provided by Beacon Finance, does not and will not contain any Trojan horses, works, viruses, or other disabling devices; and (ii) the Services, as provided by Beacon Finance, will function in substantial conformity with these TOS and the applicable Documentation and other materials provided by Beacon Finance to Partner. In addition to any other rights or remedies available to Partner, in the event the Services fail to comply with the foregoing warranty, Beacon Finance shall, at Beacon Finance’s sole cost and expense, correct the non-conforming Services. In the event that Beacon Finance fails to correct the non-conformance within ninety (90) days of receipt of notice from Partner of a breach of this Section 8.2, Partner may terminate the Services.

8.3. Beacon Finance’s Disclaimer of Warranty. THE WARRANTIES SET FORTH IN SECTION 8.2 AND IN THE SERVICE LEVEL AGREEMENT ARE LIMITED WARRANTIES AND ARE THE ONLY WARRANTIES MADE BY BEACON FINANCE. WITH THE EXCEPTION OF SUCH WARRANTIES, THE SERVICES, DOCUMENTATION, AND ANY OTHER SERVICES PROVIDED BY BEACON FINANCE UNDER THE ORDER FORM, THESE TERMS OR ANY OTHER AGREEMENT ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT ALLOWED UNDER APPLICABLE LAW, BEACON FINANCE EXPRESSLY DISCLAIMS ALL OTHER WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR OTHERWISE, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR A PARTICULAR PURPOSE. BEACON FINANCE DOES NOT WARRANT AND SPECIFICALLY DISCLAIMS ANY REPRESENTATIONS THAT THE SERVICES WILL MEET PARTNER’S REQUIREMENTS, THAT ACCESS TO OR OPERATION OR USE OF THE SERVICES WILL BE UNINTERRUPTED ERROR-FREE, OR VIRUS-FREE, THAT DEFECTS IN THE SERVICES, IF ANY, WILL BE CORRECTED, OR THAT RESULTS WILL BE TIMELY, ACCURATE, ADEQUATE OR COMPLETE. BEACON FINANCE DOES NOT WARRANT OR REPRESENT THAT USE OF THE SERVICES WILL RESULT IN COMPLIANCE WITH ANY APPLICABLE LAWS OR REGULATIONS, AND PARTNER UNDERSTANDS THAT IT IS SOLELY RESPONSIBLE FOR ENSURING COMPLIANCE WITH ANY AND ALL APPLICABLE LAWS AND REGULATIONS. THE SERVICES ARE NOT A BACKUP SERVICE FOR STORING CONTENT OR OTHER DATA, AND BEACON FINANCE WILL HAVE NO LIABILITY REGARDING ANY LOSS OF PARTNER DATA. PARTNER WILL BE SOLELY RESPONSIBLE FOR CREATING BACKUPS OF ANY PARTNER DATA PROVIDED. EXCEPT FOR SECTION 8.2, BEACON FINANCE MAKES NO OTHER WARRANTIES AND ASSUMES NO RESPONSIBILITY OR LIABILITY REGARDING ANY RELATIONAL DATABASE SERVICE OR SERVERS, OR ANY THIRD-PARTY HARDWARE, EQUIPMENT OR SERVICE WITH WHICH THE SERVICES MAY BE REQUIRED TO COMMUNICATE OR OPERATE.

9. INDEMNIFICATION.

9.1. Intellectual Property Infringement.

9.1.1. Beacon Finance will defend, indemnify, and hold harmless Partner and its officers, directors, agents and employees (collectively, “Partner Parties”) from and against any claims, demands, suits, or proceedings (including any and all liabilities, damages, losses, costs, expenses, and reasonable attorneys’ fees arising therefrom) (collectively, a “Claim”) arising out of any action or proceeding by a third party made or brought against any one or more of the Partner Parties alleging that the Services infringe a copyright or misappropriate a trade secret of a third party, in the venue in which such services are provided.

9.1.2. If a Claim that the Services violate, infringe, or misappropriate a copyright or trade secret of a third party, or if Beacon Finance reasonably determines such a Claim is likely to occur, Beacon Finance will have the right, in Beacon Finance’s sole discretion, to either (i) procure for Partner the right or license to continue to use the Services free of the infringement Claim; (ii) modify the Services to make them non-infringing, without loss of material functionality; or (iii) if neither (i) or (ii) are reasonably available to Beacon Finance, Beacon Finance may, in its sole discretion, immediately terminate these TOS and return to Partner the prorated portion of any pre-paid, unused fees for the relevant Services.

9.1.3. Beacon Finance will have no obligation with respect to any Claim of infringement that is based upon or arises out of (i) the use or combination of the Services with any hardware, software, products, data, or other materials not provided by Beacon Finance or not approved by Beacon Finance in the Documentation; (ii) modification or alteration of the Services by anyone other than Beacon Finance; (iii) use of the Services in excess of the rights granted in these TOS; or (iv) Beacon Finance’s permitted use of Partner Data and any other materials and intellectual property furnished by Partner (collectively, the “Excluded Claims”).

9.2. Partner Indemnification. Partner will defend, indemnify, and hold harmless Beacon Finance and its subsidiaries, affiliates, officers, directors, agents, and employees (collectively, “Beacon Finance Parties”) from and against any claims arising out of any action or proceeding by a third party made or brought against any one or more of the Beacon Finance Parties alleging: (i) an Excluded Claim; (ii) an act or omission by Partner which is a breach by Partner of any of Partner’s obligations under these TOS, (iii) the Partner Data violates, infringes, or misappropriates the rights of any third party, including the intellectual property rights of a third party; or (iv) Partner’s gross negligence or willful misconduct.

9.3. Procedures for Indemnification. In the event of any occurrence which may constitute grounds for indemnification under this Section 10, the party seeking indemnification agrees: (i) to notify the other party promptly of any occurrence with respect to which indemnification is sought, provided that any delay shall only relieve the indemnifying party of its obligations hereunder to the extent that the defense of such Claim is prejudiced by such delay; (ii) to cooperate with the indemnifying party in the defense of any claim with respect to which indemnification is sought; (iii) to tender to the indemnifying party the right to assume and control the defense of any claim with respect to which indemnification is being sought, provided that the indemnifying party may not settle a claim unless it unconditionally releases the indemnified parties of all liability; and (iv) not to cause or contribute to any occurrence, nor to take any action, or fail to take any action, which causes, contributes to or increases the indemnifying party’s liability hereunder.

9.4. Exclusive Remedy. This Section 9 sets forth Partner’s exclusive remedy with respect to any Claim for Beacon Finance’s alleged violation of the intellectual property or other rights of third parties with respect to the Services. Beacon Finance will have no liability to indemnify Partner under this Section 9 if Partner is in breach of any of its obligations under these TOS.

10. LIMITATION OF LIABILITY.

NEITHER PARTY WILL BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, PUNITIVE, INDIRECT, EXEMPLARY, OR SPECIAL DAMAGES (INCLUDING LOSS OF PROFITS, DATA, BUSINESS, GOODWILL, OR COSTS TO PROCURE SUBSTITUTE GOODS OR SERVICES), REGARDLESS OF WHETHER SUCH LIABILITY IS BASED ON BREACH OF CONTRACT, TORT, STRICT LIABILITY, BREACH OF WARRANTIES, FAILURE OF ESSENTIAL PURPOSE, OR OTHERWISE, AND EVEN IF SUCH PARTY WAS ADVISED OF THE LIKELIHOOD OF SUCH DAMAGES. EACH PARTY’S LIABILITY FOR DAMAGES, REGARDLESS OF WHETHER SUCH LIABILITY IS BASED ON BREACH OF CONTRACT, TORT, STRICT LIABILITY, BREACH OF WARRANTIES, FAILURE OF ESSENTIAL PURPOSE, OR OTHERWISE, UNDER THESE TOS WILL IN NO EVENT EXCEED TWO (2) TIMES THE AGGREGATE AMOUNT OF FEES PARTNER PAID TO BEACON FINANCE FOR THE SERVICES THAT GIVE RISE TO THE LIABILITY IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE DATE THE CAUSE OF ACTION AROSE. THE LIMITATIONS OF LIABILITY IN THIS SECTION 10 DO NOT LIMIT (A) A PARTY’S LIABILITY FOR BREACH OF SECTIONS 7.4 OR 13, (B) A PARTY’S OBLIGATIONS UNDER SECTION 10, (C) A PARTY’S VIOLATION OF THE OTHER PARTY’S INTELLECTUAL PROPERTY RIGHTS, OR (D) ANY LIABILITY ARISING FROM A PARTY’S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT.

11. INTELLECTUAL PROPERTY RIGHTS.

11.1. Beacon Finance Intellectual Property Rights. The Services, and all right, title, and interest in and to the Services, including, but not limited to all intellectual property rights therein, any developments, modifications, and improvements thereto, and any new models, guides, training, or other such materials developed by Beacon Finance as part of or apart from the Services and made available to Partner or related to the Services, are and will remain Beacon Finance’s exclusive property. Beacon Finance reserves all rights, title, and interest in and to the Services.

11.2. Know-How. Each party is free to exercise the knowledge, skill, and experience acquired by its employees in the course of performing its obligations under these TOS, so long as such know-how does not include the other party’s Confidential Information.

12. TERM & TERMINATION.

12.1. Termination. Either party may terminate these TOS, effective upon written notice to the other party (the “Defaulting Party”), if the Defaulting Party:(a) materially breaches any provision of, or fails to perform its obligations under, the Agreement and such breach is incapable of cure, or with respect to a material breach capable of cure, the Defaulting Party fails to cure the breach within thirty (30) days of receipt of written notice thereof; or (b) becomes insolvent, subject voluntarily or involuntarily, to any proceeding under any domestic or foreign bankruptcy or insolvency law, is dissolved or liquidated or takes any corporate action for such purpose, makes a general assignment for the benefit of creditors, or has a receiver, trustee, custodian, or similar agent appointed by order of any court of competent jurisdiction to take charge of or sell any material portion of its property or business (“Insolvency Event”).

12.2. No Termination for Convenience. Notwithstanding the foregoing, should Partner terminate the Agreement for any other reason prior to the then-current Term, Partner agrees to pay Beacon Finance in full for all Fees that would have become due during the Term, unless such termination is caused by an uncured material breach by Beacon Finance. Any and all Fees paid up through the point of termination shall be nonrefundable.

12.3. Consequences Upon Termination. Upon the termination or expiration of these TOS for any reason: (a) Partner’s and its Authorized Users’ subscriptions to use the Services will terminate; (b) Partner and its Authorized Users will cease all access and use of the Services and any Beacon Finance intellectual property related thereto; (c) each party will immediately return to the other party any of the other party’s Confidential Information, intellectual property, Documentation, and any other property of the other party in such party’s possession; and (d) each party will certify its compliance with this Section 12.3 to the other party in writing upon request. To the extent that Beacon Finance is able, Beacon Finance will retain data collected using the Services for any minimum period required by applicable law and regulations. Thereafter, Beacon Finance may delete any retained Partner Data in accordance with Beacon Finance’s data retention policy as then in effect and as modified from time to time. Notwithstanding the foregoing, Partner shall have thirty (30) days from the termination of these TOS to download and remove any Partner Data, and Beacon Finance will have no affirmative obligation to return Partner Data to Partner upon termination. This Section 12.3 is subject to Section 12.6.

12.4. Suspension for Ongoing Harm. Partner agrees that Beacon Finance may with reasonably contemporaneous telephonic notice to Partner suspend access to the Services if Beacon Finance reasonably concludes that the Services are being used to engage in denial of service attacks, spamming, or illegal activity, and/or use of the Services is causing immediate, material and ongoing harm to Beacon Finance or others. In the event that Beacon Finance suspends Partner’s access to the Services, Beacon Finance will use commercially reasonable efforts to limit the suspension to the offending portion of the Services and resolve the issues causing the suspension of the Services. Partner further agrees that Beacon Finance will not be liable to Partner nor to any third party for any suspension of the Services under such circumstances as described in this Section 12.4.

12.5. Ongoing Rights. Neither termination of these TOS nor waiver of any right to terminate under these TOS shall impair or limit any additional rights or remedies that Partner or Beacon Finance may have at law or in equity. The termination of these TOS shall not release either party from the obligation to make payment of all amounts then or thereafter due and payable.

13. CONFIDENTIALITY.

13.1. Confidential Information Defined.

13.1.1. “Confidential Information” includes, but is not limited to, the source code of the Services and all of Beacon Finance’s related intellectual property and data, Partner Data, any information or know-how (including, but not limited to, information relating to research, products, services, quantity, price, pricing, delivery, development, inventions, processes, engineering, marketing, techniques, Partners, internal procedures, business and marketing plans or strategies, finances, employees and business opportunities) concerning a party and its affiliates and disclosed by such party (the “Disclosing Party”) to the other party (the “Receiving Party”) either directly or indirectly in any form whatsoever (including, but not limited to, in writing, in machine readable or other tangible form, orally or visually) that has been marked as “confidential” or “proprietary” or with a similar legend, whose confidential nature has been made known by Disclosing Party, orally or in writing, to the Receiving Party concurrently with the disclosure of such information, or that, due to its character and nature, a reasonable person under like circumstances would treat as confidential.

13.1.2. Confidential Information will not include information that: (a) is or becomes publicly available other than through the Receiving Party or its Authorized Representatives; (b) is in the Receiving Party’s possession at the time of disclosure as shown by the Receiving Party’s files and records immediately prior to the time of disclosure; (c) is acquired by the Receiving Party from a third party, who provides the information without breaching any express or implied obligations or duties to the Disclosing Party; (d) is disclosed by the Receiving Party with the Disclosing Party’s prior written consent; or (e) is independently developed by the Receiving Party without reference to Confidential Information.

13.2. Level of Care. The Receiving Party will maintain the confidentiality of, and agrees to use the same care to prevent disclosure of, the Confidential Information as it employs to avoid disclosure, publication or dissemination of its own information of a similar nature, but in no event less than a reasonable standard of care. The Receiving Party further agrees to use the Confidential Information only in connection with and in furtherance of the business transactions contemplated by these TOS. The Receiving Party may disclose Confidential Information to its employees, directors, officers, affiliates, agents, subcontractors, attorneys, accountants or professional advisors, who have a need to have access to the Confidential Information in carrying out the business transactions contemplated by these TOS (“Authorized Representatives”). The Receiving Party will inform its Authorized Representatives of the confidential nature of the Confidential Information and the applicability of these TOS thereto and will obligate and direct its Authorized Representatives to maintain the confidentiality of the Confidential Information and otherwise to observe the terms of this Section 13.

13.3. Disclosure Due to Valid Court Order. The Receiving Party may disclose Confidential Information in response to a valid order or request of a court or other governmental body, provided, however, that the Receiving Party will promptly give written notice to the Disclosing Party of any such order, inquiry, or request so that the Disclosing Party may seek an appropriate protective order or reach a mutual written agreement with the Receiving Party, requiring that the information so disclosed be used only for the purposes for which the inquiry or request was made or the order was issued.

13.4. Ownership. All Confidential Information disclosed by the Disclosing Party will remain the property of the Disclosing Party, and except as otherwise provided in these TOS, the Receiving Party does not acquire any license, right, title, or interest in such Confidential Information.

13.5. Termination. Upon the termination or expiration of these TOS, the Receiving Party, upon the written request of the Disclosing Party, will: (i) destroy all documents and tangible materials (and any copies) containing, reflecting, incorporating, or based on the Disclosing Party’s Confidential Information; (ii) permanently erase all of the Disclosing Party’s Confidential Information from its computer systems, provided that any copy that is maintained as an archive copy on a disaster recovery or information technology backup system may be retained so long as such Confidential Information is protected in accordance with this Section 13 for as long as the Confidential Information is retained; and (iii) certify in writing to the Disclosing Party that it has complied with the requirements of this clause.

13.6. Remedies. The Receiving Party acknowledges that improper dissemination of Confidential Information may cause irreparable damage to the Disclosing Party and agrees that the Disclosing Party will have available to it, in addition to any other remedy provided by law, the right to apply for mandatory injunctive relief to enforce compliance by the Receiving Party with the provisions of these TOS.

14. GOVERNING LAW; DISPUTE RESOLUTION.

14.1. Governing Law. These TOS shall be governed by the laws of the State of Delaware, without application of conflicts of laws principles.

14.2. Dispute Resolution. Except where otherwise provided herein, any dispute, claim or controversy arising out of or relating to these TOS or the breach, termination, enforcement, interpretation or validity thereof, including the determination of the scope or applicability of these TOS to arbitrate, shall be determined by arbitration in Raleigh, NC, before one (1) arbitrator. The arbitration shall be administered by an arbitrator of beacon Finances choice in accordance with its streamlined rules and procedure. Judgment on the Award may be entered in any court having jurisdiction. This clause shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. In any action or proceeding to interpret or enforce these TOS, upon final, non-appealable judgment, the prevailing party shall be entitled to recover from the non-prevailing party its costs and expenses (including reasonable attorneys’ fees) incurred in connection with such action or proceeding and enforcing any judgment or order obtained.

15. MULTIPLE ENTITIES.

If Partner requests Beacon Finance to provide Services to another legal entity owned by Partner, under common ownership or otherwise associated with Partner (“Affiliated Entity”), Partner affirms and agrees that it has signed these TOS both on its own behalf and as an authorized agent for the Affiliated Entity and the terms of these TOS shall be applicable to such Affiliated Entity.

16. USE OF SUBCONTRACTORS; LOCATIONS.

Partner expressly acknowledges and agrees that Beacon Finance reserves the right to provide the Services from any location, and/or through use of subcontractors.

17. NON-SOLICITATION.

During the Term of these TOS and for six (6) months thereafter (“Restricted Period”), neither party will, without the other party’s prior written consent, either directly or indirectly, on its own behalf or in the service or on behalf of others, hire or engage is any solicitation of known employees or contractors who were engaged by the other party at any time during the one (1) year period prior to termination or expiration of these TOS (“Restricted Personnel”). The parties acknowledge that the hiring or engagement of any Restricted Personnel is likely to cause irreparable damage to Beacon Finance or Partner, as applicable, that would be difficult or impossible to ascertain or prove. Accordingly, the parties agree that any breach of this Section 17 will obligate the soliciting party to pay the other party on demand, as liquidated damages, an amount equal to the Restricted Personnel’s annual salary. Each party agrees that this Section 17 does not provide for unreasonably large liquidated damages.

18. MISCELLANEOUS.

18.1. Notices. Except as otherwise specified in these TOS, all notices, permissions and approvals hereunder must be sent in writing to the person(s) indicated on the cover page and shall be deemed to have been given upon: (i) personal delivery, (ii) the second business day after mailing, (iii) the second business day after sending by confirmed facsimile, or (iv) the first business day after sending by email (provided email shall not be sufficient for notices of termination or an indemnifiable claim).

18.2. Publicity. During the Term, the parties agree to allow for the mutual use of the other party’s name, trademarks, or other identifying information in a good faith manner consistent with industry standards and strictly in connection with the marketing and promotion of such party’s business and activities. Furthermore, each party acknowledges and agrees that it will not, and ensures that its affiliates will not, at any time make, publish, or communicate to any person or entity or in any public forum any defamatory or disparaging remarks, comments, or statements concerning the other party or its affiliates or their respective businesses, or any of their respective employees, officers, and existing and prospective customers, suppliers, investors and other associated third parties.

18.3. Independent Contractor. The parties are and will remain independent contractors with respect to all performance rendered pursuant to these TOS. The provisions hereof are not intended to create any partnership, joint venture, agency, or employment relationship between the parties or between a party and the employees, agents, or independent contractors of the other party.

18.4. Assignment. Partner may not assign or otherwise transfer (including by operation of law or change of control) any of its rights or obligations under these TOS without the prior written consent of Beacon Finance (which such consent shall not to be unreasonably withheld, delayed or conditioned), provided that should Partner merge with, acquire, or be acquired by another entity, or sell all or substantially all of its assets (collectively, a “Combination”), it may do so upon written notice to Beacon Finance, provided further that, the resulting combined entity may only use the Services within the scope of the Partner’s operations at the time of the Combination. Beacon Finance may freely assign the Agreement or any of its rights or obligations under these TOS. Any purported assignment in violation of this provision shall be null and void. Subject to this Section 18.4, this Agreement shall be binding upon and inure to the benefit of the permitted successors and assigns of the parties.

18.5. Force Majeure. Except for payment obligations, neither party shall be held responsible for any delay or failure in performance under these TOS to the extent that such delay or failure is caused by fire, flood, explosion, war, terrorism, strike, embargo, civil or military authority, act of God, or other similar causes beyond its control.

18.6. Waiver. Any term or provision of these TOS may be waived at any time by the party entitled to benefit thereof by a written instrument executed by such party. No delay on the part of the either party in exercising any right, power or privilege hereunder shall operate as a waiver thereof, nor shall any waiver on the part of either party of any right, power, or privilege hereunder operate as a waiver of any other right, power or privilege hereunder nor shall any single or partial exercise of any right, power or privilege hereunder preclude any other or further exercise thereof or the exercise of any other right, power or privilege hereunder. No course of dealing or failing of either party to strictly enforce any term, right or condition of these TOS in any instance will be constructed as a general waiver or relinquishment of such term, right, or condition.

18.7. Severability. In the event that any provision of these TOS shall be held to be illegal or otherwise unenforceable by a court of competent jurisdiction, such provision shall be severed, and the balance of the Agreement shall continue in full force and effect.

18.8. Counterparts. These TOS may be executed in two or more counterparts in electronic form each of which shall be considered an original, but which together shall constitute one and the same agreement.

18.9. No Third-Party Rights. No provision of these TOS shall be deemed or construed in any way to result in the creation of any rights or obligation in any person not a party or not affiliated with a party to these TOS.

18.10. Provisions; Interpretation; Absence of Presumption; Currency. These TOS shall be construed without regard to any presumption or rule requiring construction or interpretation against the party drafting or causing any instrument to be drafted. When the context may require, any pronouns used in these TOS shall include the corresponding masculine, feminine or neuter forms, and the singular form of nouns or pronouns shall include the plural. The descriptive headings herein are inserted for convenience only and are not intended to be part of or to affect the meaning or interpretation of these TOS. All references to payments and dollar amounts refer to United States Dollars, and all payments hereunder shall be made in United States Dollars. These TOS shall be binding upon and inure to the benefit of the successors and assigns the parties.

18.11. Entire Agreement; Amendment or Modification of Agreement. The provisions of these TOS contain the entire agreement and understanding between the parties hereto with respect to the subject matter hereof and supersede all prior agreements and understandings relating to such subject matter. The preparation of these TOS has been a joint effort of the parties, and the resulting documents shall not, solely as a matter of judicial construction, be construed more severely against one of the parties than the other. Except as otherwise provided herein, these TOS may not be modified, altered, waived or amended, except by written agreement executed by both parties.

18.12. Survival. Any provision of these TOS, the performance of which requires that it be in effect after the expiration and/or termination of the Agreement, shall survive such expiration and/or termination and shall remain operative and in full force and effect, including, for the avoidance of doubt, Sections 4.3, 4.4, 4.5, 5.1, 8, 11, 12, 13, 17, and 18.4.

19. DEFINITIONS.

“Affiliated Entity” has the meaning set forth in Section 15.

“Agreement” means these TOS and the applicable Order Form.

“Authorized Representatives” has the meaning set forth in Section 13.2.

“Authorized Users” means Partner Employees and Partner Customers.

“Beacon Finance Partner” means an individual or entity to whom Beacon Finance renders Services.

“Beacon Finance Parties” has the meaning set forth in Section 9.2.

“Claim” has the meaning set forth in Section 9.1.1.

“Partner Customer” means the individuals and entities added to Partner’s Partner Platform (as may be detailed in the Order Form’s Scope of Services).

“Partner Data” means all electronic data or information submitted by Partner to the Services.

“Partner Employees” means Partner’s employees, representatives, consultants, contractors, or agents who are authorized to access and use the Services subject to the terms of these TOS.

“Partner Parties” has the meaning set forth in Section 9.1.1.

“Confidential Information” has the meaning set forth in Section 13.1.1.

“Defaulting Party” has the meaning set forth in Section 12.1.

“Disclosing Party” has the meaning set forth in Section 13.1.1.

“Documentation” means the instruction manuals and functional specifications that accompany the Services as delivered by Beacon Finance to Partner.

“Effective Date” means the first day of the Term.

“Excluded Claims” has the meaning set forth in Section 9.1.3.

“Fees” means those license and other fees set forth on Order Form, attached hereto and incorporated herein by this reference.

“Potential Partner” means an (i) individual or entity to whom Beacon Finance offers or submits a bid or proposal related to any Services; and/or (ii) a person or entity with respect to which Beacon Finance has developed Confidential Information for the purposes of proposing to render Services.

“Receiving Party” has the meaning set forth in Section 13.1.1.

“Restricted Period” has the meaning set forth in Section 17.1.

“Restricted Personnel” has the meaning set forth in Section 17.1.

“Order Form” means a written statement of work, including the Scope of Services, and schedule of applicable fees for the Services in a form acceptable to Beacon Finance signed by Beacon Finance and Partner and referencing these TOS. The initial Order Form is issued subject to these Terms of Service and will be deemed signed by Beacon Finance and Partner upon execution of the Order Form by Beacon Finance and Partner.

“Services” means the services, activities and responsibilities required under these TOS and the Order Form, including the proprietary web-based system accessible via a web portal maintained by Beacon Finance, and any services, functions or responsibilities that are not specifically described in these TOS or Order Form, but which are an inherent, necessary or customary part of such services, functions and responsibilities or which are required for performance and delivery of the services, functions and responsibilities described in the Agreement or the Order Form.

“Service Level Agreement” means the service level agreement provided by Beacon Finance, if any, as may be modified from time to time.

“Standard Operating Procedures” means those certain standard operating procedures of Beacon Finance set forth at https://www.BeaconFinancePro.com, as may be updated or modified from time to time.

PRIVACY POLICY

Protecting your personal information is our priority. This Privacy Policy applies to https://www.BeaconFinancePro.com, and the services and platform accessible through those websites (collectively, “Beacon Finance”) and governs how we collect and use your personal information.

This is an important document. We recommend that you read it carefully.

International Considerations

We offer Beacon Finance to clients who are primarily in the United States. Beacon Finance is hosted in the United States and is governed by United States law. Please be aware that your personal information may be transferred to, stored, and processed through QuickBooks or related applications, where those companies, not affiliate with Beacon Finance, maintains an office, and in the United States where our office is located.

By using Beacon Finance, you understand that, and consent to, your personal information being transferred to our facilities and to the facilities of those third parties with whom we share it as described in this Privacy Policy.

Personal Information Defined

Personal information means any information that identifies you that can be reasonably used to infer this information.

Collection of your Personal Information

When you access or use Beacon Finance, we may collect personal information from you, such as your:

– First and Last Name

– Mailing Address

– E-mail Address

– Phone Number

– Business Name

– Job Title

If you purchase our products or services, we collect billing and credit card information. This information is used to complete the purchase transaction.

We do not collect any personal information about you unless you voluntarily provide it to us. You may be required to provide certain personal information to us when you elect to use Beacon Finance. These may include: (a) registering for an account on Beacon Finance; (b) entering a sweepstakes or contest sponsored by us or one of our partners; (c) signing up for special offers from selected third parties; (d) sending us an email message; or (e) submitting your credit card or other payment information when ordering and purchasing products and services on Beacon Finance.

Use of your Personal Information

When you give us your personal information, we may use it:

• for the specific purpose for which it was collected;

• to deliver Beacon Finance to you;

• to personalize your experience on Beacon Finance;

• to provide customer service to you and/or to address your technical support questions;

• to alert you of new products or services, features, or enhancements;

• to provide important information about Beacon Finance, such as changes to Beacon Finance or updates to our policies;

• to improve Beacon Finance;

• as permitted by law; and

• for any other purpose with your consent.

You have the right at any time to prevent us from contacting you for marketing purposes. You can opt-out of promotional communications by following the unsubscribe instructions provided in each promotional email that we send to you. We may continue to send you administrative emails including, for example, periodic updates to this Privacy Policy, even if you indicate that you no longer wish to receive promotional email from us.

We will retain your personal information only for as long as reasonably necessary for the purposes set forth above. We may retain your personal information for legitimate business purposes, if it may be necessary to prevent fraud or future abuse if required by law, or as retained in our data backup systems or cached or archived pages. All of your personal information that we keep will continue to be subject to the terms of this Privacy Policy to which you have agreed.

When We Disclose Your Personal Information

We do not sell, rent, or lease your personal information to third parties without your consent. We may disclose your personal information for certain purposes and to third parties as described below:

With Your Consent. We may share your personal information when we have your consent. You can revoke your consent at any time by providing notice to us at info@BeaconFinancePro.com.

Service Providers. We may employ other companies and people to perform tasks on our behalf and we may need to share your personal information with them to provide services to you. Unless we tell you differently, they do not have any right to use your personal information beyond what is necessary to assist us.

To Protect Beacon Finance. We may disclose your personal information, without notice, if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on us; (b) protect and defend our rights or property; and/or (c) act under exigent circumstances to protect the personal safety of our users or the public.

Business Transfers. In the event we undergo a business transaction such as a merger, acquisition by another company, or sale of all or a portion of our assets, your personal information may be among the assets transferred. Any acquirer of our assets may continue to process your personal information as set forth in this Privacy Policy.

External Business Partners. Beacon Finance may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party.

Managing Your Personal Information

Correcting, Updating, Accessing, or Removing Personal Information. You can correct, update, or remove your personal information if it changes or if you no longer want to receive information from us beyond information related to our services. This can be done by managing your personal information through your Beacon Finance account or by emailing a request to us at info@BeaconFinancePro.com. You may also request access to your personal information that we collect by sending a request to us at info@BeaconFinancePro.com.

Deleting Your Account. You may request deletion of your account by sending an e-mail to info@BeaconFinancePro.com. Please note that some information may remain in our private records after deletion of your account. We may use any aggregated data derived from or incorporating your personal information after you delete your account, but not in a manner that would identify you personally.

Your California Privacy Rights. California Civil Code Section 1798.83 permits users that are California residents to request certain information regarding our disclosures of personal information to third parties for such third parties’ direct marketing purposes. If you are a California resident and would like to make such a request, please contact us at info@BeaconFinancePro.com.

Tracking User Behavior

Beacon Finance may keep track of the websites and pages our users visit within Beacon Finance in order to determine what Beacon Finance services are the most popular. This data is used to deliver customized content and advertising within Beacon Finance to you.

Automatically Collected Information

Information about your computer hardware and software may be automatically collected by Beacon Finance. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of Beacon Finance.

Use of Cookies

Beacon Finance may use “cookies” to help you personalize your online experience. A cookie is a text file that is placed on your computer by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. For example, a cookie helps Beacon Finance recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Beacon Finance website, the information you previously provided can be retrieved, so you can easily use the Beacon Finance features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Beacon Finance services or websites you visit.

Do Not Track Signals

Some web browsers may transmit “do not track” signals to websites with which the web browser communicates. Beacon Finance does not currently recognize or respond to “do not track” signals. However, Beacon Finance may in the future elect to recognize or respond to “do not track” signals.

Links

Beacon Finance contains links to other sites. Please be aware that we are not responsible for the content or privacy practices of other websites. We encourage you to be aware when you leave Beacon Finance and to read the privacy statements of any other website that collects your personal information.

Security of your Personal Information

We secure your personal information from unauthorized access, use, or disclosure. We use the following methods for this purpose:

– SSL Protocol

– Incapsula

– Two Factor Authentication

– Database Encryption

When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Secure Sockets Layer (SSL) protocol.

We strive to take appropriate security measures to protect against unauthorized access to or alteration of your personal information. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, you acknowledge that: (a) there are security and privacy limitations inherent to the Internet which are beyond our control; and (b) security, integrity, and privacy of any and all information and data exchanged between you and us through Beacon Finance cannot be guaranteed.

Children Under Thirteen

We do not knowingly collect personal information from children under the age of thirteen. If you are under the age of thirteen, you must ask your parent or guardian for permission to use this website.

Changes to this Statement

We reserve the right to change this Privacy Policy from time to time. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your account, by placing a prominent notice on our site, and/or by updating any privacy information on this page. Changes will become effective immediately but will not apply retroactively.

Contact Information

We welcome your questions or comments regarding this Privacy Policy. If you believe that we have not adhered to this Privacy Policy, please contact us at:

Beacon Finance

5000 Centregreen Way, STE 500,

Morrisville,  NC 27513

Email Address:

info@BeaconFinanceNC.com

Telephone number:

910.241.4559

Effective as of January 2024