Terms of Use
- CONTENT
- YOU MUST MEET CERTAIN CONDITIONS TO USE THE SERVICES
- USING OUR SERVICES AND CERTAIN RESTRICTIONS
- NO LEGAL ADVICE
- INTELLECTUAL PROPERTY RIGHTS
- DISCLAIMER REGARDING INTERNATIONAL USE
- LIMITATIONS OF LIABILITY OF LONGBRIDGE AND ITS LICENSORS
- DISCLAIMER
- TERMINATION AND SUSPENSION
- INDEMNITY
- DISPUTE RESOLUTION
- GOVERNING LAW AND VENUE
- GENERAL TERMS
Updated: July 5, 2024.
These Terms of Use (“Terms”) apply to your use of Bridget software application powered by artificial intelligence technologies (collectively, “Services”). These Terms form an agreement between you and Longbridge Financial, LLC (“Longbridge”). Notwithstanding the foregoing, You may also be subject to any additional terms or other agreements governing your use of such services as required by any of our licensors or providers used to provide the Services.
THESE TERMS CONTAIN IMPORTANT PROVISIONS FOR RESOLVING DISPUTES THROUGH MANDATORY ARBITRATION.
By accessing or using the Services, YOU AGREE TO BE BOUND by these Terms. If you do not want to accept all of the terms, conditions and notices of these Terms, you must immediately discontinue your use and access of the Services.
1. CONTENT
Your Content.
You may provide input to the Services (“Input”), and receive output from the Services based on the Input (“Output”). Input and Output are collectively “Content.” You are responsible for Content, including ensuring that it does not violate any applicable law or these Terms. You represent and warrant that (a) you have all rights, licenses, and permissions needed to provide Input to our Services and (2) that no Input will include any confidential Information of You or any third-party. For purposes of the foregoing sentence “confidential information” shall mean any non-public personal information as defined by the Gramm-Leach-Bliley Act (GLBA).Ownership of Content.
As between you and Longbridge, and to the extent permitted by applicable law, (a) you retain your ownership rights in Input and (b) we own the Output. You hereby assign to us all our right, title, and interest, if any, in and to Output.Our Use of Content.
We may use Content to provide, maintain, develop, and improve our Services, comply with applicable law, and enforce our terms and policies.Accuracy.
Artificial intelligence and machine learning are rapidly evolving fields of study. We are constantly working to improve our Services to make them more accurate, reliable, safe, and beneficial. Given the probabilistic nature of machine learning, use of our Services may, in some situations, result in Output that does not accurately reflect a complete or accurate answer. When you use our Services, you understand and agree: (a) Output may not always be accurate. You should not rely on Output from our Services as a sole source of truth or factual information; (b) You must evaluate Output for accuracy and appropriateness for your use case, including using human review as appropriate, before using or sharing Output from the Services; (c) You must not use any Output relating to a person for any purpose that could have an illegal or legally impermissible discriminatory impact on that person, such as making credit, educational, employment, housing, insurance, legal, medical, or other important decisions about them; and (d) Our Services may provide incomplete, incorrect, or offensive Output that does not represent Longbridge’s views.2. YOU MUST MEET CERTAIN CONDITIONS TO USE THE SERVICES
You must be at least 18 years old or the minimum age required in your country to consent to use the Services. If you are under 18, Longbridge has the right to terminate and suspend any account you may have with Longbridge and terminate and suspend your use of the Services. You must provide accurate and complete information to register for an account to use our Services. You may not share your account credentials or make your account available to anyone else and are responsible for all activities that occur under your account. If you create an account or use the Services on behalf of another person or entity, you must have the authority to accept these Terms on their behalf.3. USING OUR SERVICES AND CERTAIN RESTRICTIONS
Permitted Activities
Subject to your compliance with these Terms, you may access and use our Services. In using our Services, you must comply with all applicable laws, and any other documentation, guidelines, or policies we make available to you.Restricted Activities
You may not use our Services for any illegal, harmful, or abusive activity. For example, you may not:- Use our Services in a way that infringes, misappropriates or violates anyone’s rights.
- Modify, copy, lease, sell or distribute any of our Services.
- Attempt to or assist anyone to reverse engineer, decompile or discover the source code or underlying components of our Services, including but not limited to our models, algorithms, or systems (except to the extent this restriction is prohibited by applicable law).
- Automatically or programmatically extract data or Output.
- Represent that Output was human-generated when it was not.
- Interfere with or disrupt our Services, including circumvent any rate limits or restrictions or bypass any protective measures or safety mitigations we put on our Services.
Third Party Services
. Our services may include third party software, products, or services, (“Third Party Services”) and some parts of our Services may include output from those services (“Third Party Output”). Third Party Services and Third Party Output are subject to their own terms, and we are not responsible for them.Beta Services
From time to time, we may make available services or offerings available to you on an alpha, preview, early access or beta basis (“Beta Services”). You agree to use the Beta Services solely for the purpose of providing us your voluntary evaluation that you also agree to keep confidential until such time as the Beta Services goes to market in full production, if ever. Beta Services are offered “as-is” to allow testing and evaluation and are excluded from any indemnification obligations we may have to you. We make no representations or warranties for Beta Services, including any warranty that Beta Services will be generally available, uninterrupted or error-free, or that Content will be secure or not lost or damaged. Except to the extent prohibited by law, we expressly disclaim all warranties for Beta Services, including any implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, non-infringement, or quiet enjoyment, and any warranties arising out of any course of dealing or usage of trade.Feedback
We appreciate your feedback, and you agree that we may use it without restriction or compensation to you.4. NO LEGAL ADVICE
Longbridge is not a law firm and does not provide legal advice. The Services and Output are provided solely for your convenience and you have no right to rely on either of them. You are solely responsible for understanding your compliance and other legal obligations. We encourage you to consult with your attorney to independently verify the Output, and you agree to hold us harmless as it relates to any damages, losses, liabilities, claims, lawsuits, investigations, fines, penalties, costs or expenses (including but not limited to reasonable attorney’s fees) that you may suffer or incur arising from or related to taking any action or inaction based or in reliance on the Services or Output. Longbridge is not responsible for your compliance with applicable laws and government regulations, or any use that you may make of the Services or Output to assist in complying with such laws and regulations.5. INTELLECTUAL PROPERTY RIGHTS
We and our affiliates own all rights, title, and interest in and to the Services, which are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property and proprietary rights laws. You may not use our trademarks, service marks, name or logo without our permission. Any unauthorized use of the Services terminates the permission or license granted by Longbridge.6. DISCLAIMER REGARDING INTERNATIONAL USE
Longbridge makes no claim that the Services is appropriate or lawful for use or access outside the United States. You are solely responsible for complying with all local laws, rules and regulations regarding online conduct and website access, regardless of whether you access the Services from inside or outside the United States, and in each case you do so at your own risk. By sending providing Input or other data, you consent to its transfer to and storage within the United States.7. LIMITATIONS OF LIABILITY OF LONGBRIDGE AND ITS LICENSORS
NEITHER WE NOR ANY OF OUR AFFILIATES OR LICENSORS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, OR DATA OR OTHER LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY UNDER THESE TERMS WILL NOT EXCEED ONE HUNDRED DOLLARS ($100). THE LIMITATIONS IN THIS SECTION APPLY ONLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. Some countries and states do not allow the disclaimer of certain warranties or the limitation of certain damages, so some or all of the terms above may not apply to you, and you may have additional rights. In that case, these Terms only limit our responsibilities to the maximum extent permissible in your country of residence. You acknowledge and agree that the limitations set forth above are fundamental elements of these Terms, and the Services would not be provided to you absent such limitations.8. DISCLAIMER
OUR SERVICES ARE PROVIDED “AS IS.” EXCEPT TO THE EXTENT PROHIBITED BY LAW, WE AND OUR AFFILIATES AND LICENSORS MAKE NO WARRANTIES (EXPRESS, IMPLIED, STATUTORY OR OTHERWISE) WITH RESPECT TO THE SERVICES, AND DISCLAIM ALL WARRANTIES INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SATISFACTORY QUALITY, NON-INFRINGEMENT, AND QUIET ENJOYMENT, AND ANY WARRANTIES ARISING OUT OF ANY COURSE OF DEALING OR TRADE USAGE. WE DO NOT WARRANT THAT THE SERVICES OR CONTENT WILL BE UNINTERRUPTED, ACCURATE OR ERROR FREE, OR THAT ANY CONTENT WILL BE SECURE OR NOT LOST OR ALTERED. YOU ACCEPT AND AGREE THAT ANY USE OF OUTPUTS FROM OUR SERVICE IS AT YOUR SOLE RISK AND YOU WILL NOT RELY ON OUTPUT AS A SOLE SOURCE OF TRUTH OR FACTUAL INFORMATION, OR AS A SUBSTITUTE FOR PROFESSIONAL OR LEGAL ADVICE.9. TERMINATION AND SUSPENSION
Termination
You are free to stop using our Services at any time. We reserve the right to suspend or terminate your access to our Services at any time for no or any reason, including but not limited to if we determine: (a) You breached these Terms; (b) We must do so to comply with the law; and (c) Your use of our Services could cause risk or harm to Longbridge, our users, or anyone else.Discontinuation of Services
We may decide to discontinue our Services at any time for no or any reason.10. INDEMNITY
If you are a business or organization, to the extent permitted by law, you will indemnify and hold harmless us, our affiliates, and our personnel, from and against any costs, losses, liabilities, and expenses (including attorneys’ fees) from third party claims arising out of or relating to your use of the Services and Content or any violation of these Terms. You may not settle any such third party claims without our written consent.11. DISPUTE RESOLUTION
YOU AND LONGBRIDGE AGREE TO THE FOLLOWING MANDATORY ARBITRATION AND CLASS ACTION WAIVER PROVISIONS:MANDATORY ARBITRATION
You and Longbridge agree to resolve any claims arising out of or relating to these Terms or our Services, regardless of when the claim arose, even if it was before these Terms existed (a “Dispute”), through final and binding arbitration. You may opt out of arbitration within 30 days of account creation or of any updates to these arbitration terms within 30 days after the update has taken effect by sending an email to longbridge@longbridge-financial.com. If you opt out of an update, the last set of agreed upon arbitration terms will apply.Informal Dispute Resolution
We would like to understand and try to address your concerns prior to formal legal action. Before either of us files a claim against the other, we both agree to try to resolve the Dispute informally. You agree to do so by sending an email to longbridge@longbridge-financial.com. We will do so by sending you notice to the email address associated with your account. If we are unable to resolve a Dispute within 60 days, either of us has the right to initiate arbitration. We also both agree to attend an individual settlement conference if either party requests one during this time. Any statute of limitations will be tolled during this informal resolution process.Arbitration Forum
If we are unable to resolve the Dispute, either of us may commence arbitration with National Arbitration and Mediation (“NAM”) under its Comprehensive Dispute Resolution Rules and Procedures and/or Supplemental Rules for Mass Arbitration Filings, as applicable (available here). Longbridge will not seek attorneys’ fees and costs in arbitration unless the arbitrator determines that your claim is frivolous. The activities described in these Terms involve interstate commerce and the Federal Arbitration Act will govern the interpretation and enforcement of these arbitration terms and any arbitration.Arbitration Procedures
The arbitration will be conducted by videoconference if possible, but if the arbitrator determines a hearing should be conducted in person, the location will be mutually agreed upon, in the county where you reside, or as determined by the arbitrator, unless the batch arbitration process applies. The arbitration will be conducted by a sole arbitrator. The arbitrator will be either a retired judge or an attorney licensed to practice law in the state of Delaware. The arbitrator will have exclusive authority to resolve any Dispute, except the state or federal courts of Kent County, Delaware have the authority to determine any Dispute about enforceability, validity of the class action waiver, or requests for public injunctive relief, as set out below. Any settlement offer amounts will not be disclosed to the arbitrator by either party until after the arbitrator determines the final award, if any. The arbitrator has the authority to grant motions dispositive of all or part of any Dispute.Exceptions
This section does not require informal dispute resolution or arbitration of the following claims: (i) individual claims brought in small claims court; and (ii) injunctive or other equitable relief to stop unauthorized use or abuse of the Services or intellectual property infringement or misappropriation.CLASS AND JURY TRIAL WAIVERS
You and Longbridge agree that Disputes must be brought on an individual basis only, and may not be brought as a plaintiff or class member in any purported class, consolidated, or representative proceeding. Class arbitrations, class actions, and representative actions are prohibited. Only individual relief is available. The parties agree to sever and litigate in court any request for public injunctive relief after completing arbitration for the underlying claim and all other claims. This does not prevent either party from participating in a class-wide settlement. You and Longbridge knowingly and irrevocably waive any right to trial by jury in any action, proceeding, or counterclaim.Batch Arbitration.
If 25 or more claimants represented by the same or similar counsel file demands for arbitration raising substantially similar Disputes within 90 days of each other, then you and Longbridge agree that NAM will administer them in batches of up to 50 claimants each (“Batch”), unless there are less than 50 claimants in total or after batching, which will comprise a single Batch. NAM will administer each Batch as a single consolidated arbitration with one arbitrator, one set of arbitration fees, and one hearing held by videoconference or in a location decided by the arbitrator for each Batch. If any part of this section is found to be invalid or unenforceable as to a particular claimant or Batch, it will be severed and arbitrated in individual proceedings.Severability
If any part of these arbitration terms is found to be illegal or unenforceable, the remainder will remain in effect, except that if a finding of partial illegality or unenforceability would allow class arbitration, class action, or representative action, this entire dispute resolution section will be unenforceable in its entirety.12. GOVERNING LAW AND VENUE
THESE TERMS AND YOUR USE OF THE SERVICES SHALL BE GOVERNED BY THE LAWS OF THE STATE OF DELAWARE, WITHOUT REGARD TO PRINCIPLES OF CONFLICT OF LAWS. Subject to the foregoing agreement to arbitrate, the state or federal courts sitting in Kent County, Delaware shall have exclusive jurisdiction and venue over any dispute arising out of these Terms and sale, and you hereby consent to the jurisdiction of such courts.13. GENERAL TERMS
Assignment
You may not assign or transfer any rights or obligations under these Terms and any attempt to do so will be void. We may assign our rights or obligations under these Terms to any affiliate, subsidiary, or successor in interest of any business associated with our Services.Changes to These Terms or Our Services
We are continuously working to develop and improve our Services. We may update these Terms or our Services accordingly from time to time. For example, we may make changes to these Terms or the Services due to:- Changes to the law or regulatory requirements.
- Security or safety reasons.
- Circumstances beyond our reasonable control.
- Changes we make in the usual course of developing our Services.
- To adapt to new technologies.
