Terms of Service

Last updated:

May 1, 2024

Last updated May 1, 2024

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This Terms of Service Agreement (this “Agreement”) is made and entered into by and between you, as a User (as defined below), and Venteur Inc., a Delaware corporation, and its subsidiaries and affiliates (collectively, “Venteur”), inclusive of Venteur Insurance Services LLC, a subsidiary of Venteur Inc. This Agreement contains the terms and conditions that govern the use of Venteur’s benefits marketplace (the “Platform”). Venteur directly, and through its website (https://venteur.co) and the associated domains thereof (the “Site”), offers customers the products and services listed at https://venteur.co/benefits (as such list may be updated, modified, or otherwise changed from time to time, collectively, the “Services”).

This Agreement is applicable to all persons who use or access the Platform and/or the Services, in their company’s capacity or in an individual capacity (collectively, “Users” and each, a “User”). If User is agreeing to these terms on behalf of a business or an individual other than User, User represents and warrants that User has authority to bind that business or other individual to this Agreement, and User’s agreement to these terms will be treated as the agreement of such business or individual. In that event, “User” also refers to that business or individual. By clicking the applicable button to indicate User’s acceptance of this Agreement, or by accessing or using the Platform, User agrees, effective as of the date of such action, to be bound by the Agreement.

Please review Section 24 of this Agreement carefully, as it contains an arbitration provision and class action waiver which requires User to resolve disputes with Venteur through final, binding arbitration on an individual basis. By entering into this Agreement, User is acknowledging that User has read and that User understands the terms of this Agreement and that User agrees to be bound by the arbitration provision and class action waiver.

1. Additional Terms for Services

Venteur’s provision of any Service is subject to the terms of this Agreement and any supplemental terms which Venteur may present User with for review and acceptance at the time User subscribes to such Service (each, “Service Terms”), and any Service Terms shall be incorporated into and form a part of this Agreement. If the terms hereof conflict with any Service Terms, the Service Terms will govern with respect to the matters contemplated thereby.

2. User Accounts

To use the Platform, User must have an account with Venteur (an “Account”). User hereby authorizes Venteur to obtain and store User’s Account information as necessary to make the Platform available to User.

3. Who May Use the Platform

User may use the Platform only if User is eighteen (18) years of age or older and is not barred from using the Services under applicable law.

4. Privacy Policy

Please refer to Venteur’s Privacy Policy for information on how Venteur collects, uses, and discloses information from Users. User acknowledges and understands that Venteur may collect, use, and disclose User’s information pursuant to Venteur’s Privacy Policy, as it may be updated from time to time.

5. User’s Compliance with the Agreement

Use of the Platform and the Services are each conditioned upon User’s full compliance with this Agreement and all applicable laws, rules, and regulations.

6. User is Responsible for Certain Information and Obligations Relating to the Services

User is solely responsible for all actions taken under any Account that User has access to. Any actions taken under Accounts that User has access to will be deemed authorized by User, regardless of User’s knowledge of such actions (the “Authorized Actions”). Authorized Actions include but are not limited to (i) actions taken by User or an authorized representative of User (an “Authorized Representative”), and (ii) actions that User or an Authorized Representative (or anyone that Venteur reasonably believes to be User or an Authorized Representative) directs or instructs Venteur to take on its behalf.

In addition, User is solely responsible for (i) following instructions that Venteur provides to User with respect to the Services, whether such instructions are provided via the Platform, email, or otherwise, (ii) obtaining, maintaining, and keeping secure any equipment and ancillary services necessary to connect to, access, or otherwise utilize the Platform, including but not limited to internet access, networking equipment, hardware, software, and operating systems, and (iii) maintaining applicable accounts with providers of Third-Party Services (as defined below) utilized by User.

User will, and will cause authorized users of User’s Account, including but not limited to Authorized Representatives, to take reasonable steps to adequately secure, and keep confidential, any User Account passwords or credentials, and any information accessible via the User Account. If User believes or suspects that User’s Account or passwords or credentials for User’s Account have been disclosed to, accessed by, or compromised by unauthorized persons, User must immediately notify Venteur. Venteur reserves the right to prevent access to the Services if Venteur has reason to believe that User’s Account or passwords or credentials for User’s Account have been compromised.

User is responsible for timely providing Venteur with the information required for Venteur to perform the Services. User may furnish such information directly to Venteur or via an Authorized Representative, such as User’s accountant. Furthermore, User represents and warrants to Venteur that for any information that User shares with Venteur, whether directly, via its Authorized Representative, User will have the authority to share such information. User is responsible for the accuracy and completeness of information provided to Venteur, and User will ensure that any such information, whether provided by User or Authorized Representative, is accurate and complete. Moreover, User is required to maintain the accuracy and completeness of such information on an ongoing basis and will promptly notify Venteur, whether directly or through an Authorized Representative, of any changes to the information provided to Venteur.

In addition, User, whether directly or through its Authorized Representatives, is responsible for reviewing any reports, filings, information, documents or materials (collectively, the “Materials”) posted to the Platform by Venteur (or otherwise made available to User by Venteur) for User’s review, and User or its Authorized Representatives must notify Venteur of any inaccuracies in the Materials as soon as possible, or within the time period specified in communications received from Venteur.

User, whether directly or through its Authorized Representatives, is also obligated to promptly notify Venteur of any third-party notices that User may receive which could affect Venteur’s ability to effectively provide the Services or increase the likelihood that a Claim (as defined below) is brought against User or Venteur in connection with the Services, such as notices from the Internal Revenue Service or other government agencies regarding penalties or errors relating to the Services, and, if User subscribes to the Benefits Service, notices from benefits providers regarding eligibility, enrollment, payment, or any other communications affecting the contract of services with that insurance carrier.

User agrees that, to the fullest extent permitted by law, the provision of Account login credentials (e.g., username and password) or identity verification credentials to Venteur by User or an Authorized Representative, together with any actions authorized by such foregoing parties via the Platform or otherwise (e.g., verbally telling a Venteur Customer Care representative to take an action), will have the same effect as such parties providing a written signature authorizing electronic payments, filings, or any other actions in connection with the Services.

7. User Verification

User gives Venteur permission to obtain, verify, and record information that identifies the individual who creates an Account, is the intended user of an Account, or accesses the Services. Venteur may ask for User’s name, address, date of birth, social security number, and other information that will allow Venteur to identify User. Venteur may also ask to see User’s driver’s license or other identifying documents. Venteur may, at its discretion, decline to offer the Services for any reason, including in the event that the Services enrollment process is not satisfactorily completed and/or for other lawful business reasons.

8. Third-Party Services, Websites, and Resources

Through the Platform, User will be able to elect to receive services from partners of Venteur (each such service, a “Third-Party Service,” and each such partner, a “Partner”). User is solely responsible for, and assumes all risk arising from, User’s election to receive and User’s receipt of any Third-Party Service. Venteur is not responsible for Third-Party Services or any material, information, or results made available through Third-Party Services. The applicable Partners may require User to agree to terms and conditions or agreements with respect to their provision of the Third-Party Services to User. If User elects to receive a Third-Party Service, User authorizes Venteur to submit to the applicable Partner any and all documents and information about User, User’s business and User’s business’ employees that are necessary for such Partner to provide the Third-Party Service to User, including, without limitation, User’s payroll information, bank account information, User’s employees’ bank account information, and any additional information, such as the personal information of User’s employees, requested by such Partner that User has provided to Venteur in connection with this Agreement and User’s receipt of the Services (collectively, the “Shared Information”). User is responsible for the accuracy of all Shared Information. User represents and warrants that User has all the rights in and to any Shared Information necessary to provide Shared Information to Venteur and for Venteur to provide it to Partners, and that Venteur’s use or disclosure of Shared Information as contemplated hereunder will not violate any rights of privacy or other proprietary rights, or any applicable local, state, or federal laws, regulations, orders, or rules. User agrees that by electing to receive a Third-Party Service, and by consenting and authorizing Venteur to submit User’s Shared Information to a Partner, User has waived and released any Claim against Venteur and its directors, officers, and employees arising out of a Partner’s use of User’s Shared Information, even if that use is not authorized by the applicable agreement between User and the Partner.

The Platform and the Services may contain links to third-party websites or resources. Venteur provides these links only as a convenience and is not responsible for the content, products, or services on or available from those websites or resources, or links displayed on such websites. User acknowledges its sole responsibility for, and assumes all risk arising from, User’s use of any third-party websites or resources.

9. Proprietary Rights

User Content and Licenses Granted

“User Content” means any text, graphics, images, music, software, audio, video, works of authorship of any kind, and documents, information, or other materials that are uploaded to, posted to, stored on, or created using the Platform by Users. For the avoidance of doubt, any templates, documents, or materials that Venteur provides to User via the Services shall constitute Venteur Content (as defined below) hereunder. Venteur does not claim any ownership rights in any User Content and nothing in this Agreement will be deemed to restrict any rights that User may have to use and exploit User Content. However, by making any User Content available through the Services, User hereby grants to Venteur a non-exclusive, transferable, sublicensable, worldwide, royalty-free license to use, copy, modify, create derivative works based upon, publicly display, publicly perform, and distribute User Content in connection with operating and providing the Platform and the Services. User is solely responsible for all User Content. User represents and warrants that User owns all User Content or User has all rights that are necessary to grant Venteur the license rights in User Content under this Agreement. User Content is subject to the provisions of Section 11, and Venteur has the right to remove User Content from the Platform in accordance with Section 12.

User may generally remove User Content from the Platform, provided that certain types of User Content may not be removed from the Platform, as further specified in particular Service Terms. Moreover, in certain instances, some User Content may not be completely removed and copies of User Content may continue to exist on the Platform. Venteur is not responsible or liable for the removal or deletion of (or the failure to remove or delete) any User Content.

10. Venteur’s Intellectual Property Rights

User Content and Licenses Granted

“Venteur Content” means text, graphics, images, music, software, audio, video, works of authorship of any kind, and documents, information, or other materials that are posted, generated, provided, or otherwise made available through the Services by Venteur, other than User Content. User Content and Venteur Content shall be collectively referred to herein as “Content.” Venteur and its licensors exclusively own all worldwide right, title, and interest in and to the Venteur Content, and also in and to the Platform and the Services, including in each case all associated intellectual property rights (“Venteur IP”). User acknowledges that the Platform, Services, and Venteur Content are protected by copyright, trademark, and other laws of the United States and foreign countries. User agrees not to remove, alter, or obscure any copyright, trademark, service mark, or other proprietary rights notices incorporated in or accompanying the Platform, Services, or Venteur Content. This Agreement does not convey any proprietary interest in or to any Venteur IP or rights of entitlement to the use thereof except as expressly set forth herein. Any feedback, comments, and suggestions User may provide for improvements to the Platform, Services, or Venteur Content (“Feedback”) is given entirely voluntarily and Venteur will be free to use, disclose, reproduce, license, or otherwise distribute and exploit such Feedback as it sees fit, entirely without obligation or restriction of any kind. Feedback includes, without limitation, feedback User provides to Venteur in response to any surveys Venteur conducts, through any available technology, about User’s experience.

Subject to User’s compliance with this Agreement, Venteur grants User a limited, non-exclusive, non-transferable, non-sublicensable license to access, view, and download Venteur Content solely in connection with User’s permitted use of the Platform for User’s own behalf.

11. Consent to Receive SMS/MMS Messages About User’s Account

By providing User’s mobile phone number to Venteur, User agrees that Venteur may send User autodialed Short Message Service (“SMS”) or Multimedia Messaging Service (“MMS”) messages about activity in User’s Account and service updates, as well as SMS or MMS messages soliciting User’s feedback about the Services and User’s experience interacting with Venteur’s Customer Care team. Standard message and data rates may apply. Note that Venteur will not send User autodialed marketing SMS or MMS messages unless User expressly agrees in writing to receive such messages. If User would like to opt out of receiving SMS and MMS messages, User should contact support@Venteur.com;/).

12. General Prohibitions

User agrees not to take any of the following actions:

Post, upload, publish, submit, share, distribute, or transmit any User Content that: (i) User lacks the authority to post, upload, publish, submit, share, distribute, or transmit; (ii) infringes, misappropriates, or violates a third party’s patent, copyright, trademark, trade secret, moral rights, or other intellectual property rights, or rights of publicity or privacy; (iii) violates, or encourages any conduct that would violate, any applicable law or regulation or would give rise to civil liability; (iv) is fraudulent, false, misleading, or deceptive; (v) is defamatory, indecent, obscene, pornographic, vulgar, or offensive; (vi) promotes discrimination, bigotry, racism, hatred, harassment, or harm against any individual or group; (vii) is violent or threatening or promotes violence or actions that are threatening to any person or entity; (viii) promotes illegal or harmful activities or substances; or (ix) contains software viruses, worms, defects, Trojans, adware, spyware, malware, or other similar computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware device;
Use the Services other than as authorized in this Agreement;
Resell, sublicense, timeshare, or otherwise share the Services with any third party;
Display, mirror, or frame (i) the Site, or the layout or design of any page on the Site or form contained on a page; (ii) the Platform; (iii) the Services; or (iv) Venteur Content or any individual element within the Site, Platform, or Services, including Venteur’s name and any Venteur trademark, logo, or other proprietary information, in each case, without Venteur’s express prior written consent;
Access, tamper with, or use non-public areas of the Platform, Services, Venteur’s computer systems, or the technical delivery systems of Venteur’s providers;
Interfere or attempt to interfere with the proper working of the Platform or the Services (including but not limited to any application, function, or use of the Services) or any activities conducted on the Services;
Take any action that imposes or may impose (as determined by Venteur in Venteur’s sole discretion) an unreasonable or disproportionately large load on Venteur’s (or Partners’) infrastructure;
Use manual or automated software, devices, or other processes to “crawl” or “spider” any page of the Site;
Harvest or scrape any Content from the Platform or Services;
Attempt to probe, scan, or test the vulnerability of any Venteur system or network or breach any security or authentication measures;
Avoid, bypass, remove, deactivate, impair, descramble, or otherwise circumvent any technological measure implemented by Venteur or any of Venteur’s providers or any other third party (including another User) to protect the Platform, Services, or Content;
Attempt to access or search the Platform, Services, or Content or download Content from the Platform or Services through the use of any engine, software, tool, agent, device, or mechanism (including spiders, robots, crawlers, data mining tools, or the like), other than the software and/or search agents provided by Venteur or other generally available third-party web browsers;
Access the Services for the purposes of monitoring its availability, performance, or functionality, or for any other benchmarking or competitive purposes;
Send any unsolicited or unauthorized advertising, promotional materials, email, junk mail, spam, chain letters, or other form of solicitation through the Platform or Services;
Use any meta tags or other hidden text or metadata utilizing a Venteur trademark, logo, URL, or product name without Venteur’s express written consent;
Use the Platform, Services, or Content, or any portion thereof, (i) for any purpose other than User’s internal business purposes, or (ii) for the benefit of any third party or in any manner not permitted by this Agreement;
Forge any TCP/IP packet header or any part of the header information in any email or newsgroup posting, or in any way use the Platform, Services, or Content to send altered, deceptive, or false source-identifying information;
Attempt to decipher, decompile, disassemble, reverse engineer, or otherwise attempt to derive any source code, or underlying ideas, or algorithms of any of the software used to provide the Platform, Services, or Content;
Modify, translate, or otherwise create derivative works of any part of the Platform, Services, or Content other than User’s own User Content;
Interfere with, or attempt to interfere with, the access of any User, host, or network, or use any device, software, or routine that is intended to damage, surreptitiously intercept, or expropriate any system, data, or communication, including, without limitation, by sending a virus, overloading, flooding, spamming, or mail-bombing the Platform or Services;
Collect from or store on the Platform or Services any personally identifiable information or protected health information of other Users without their express permission;
Impersonate or misrepresent User’s affiliation with any person or entity;
Engage in any fraudulent, deceptive, or illegal practices or activities, or use the Services to directly or indirectly support any such practices or activities;
Encourage, assist, or enable any other individual to do any of the foregoing.

13. Venteur’s Rights to Monitor User Content and Conduct

Although Venteur is not obligated to monitor access to or use of User Content or to review or edit any User Content, Venteur has the right to do so for the purposes of operating the Platform and Services, ensuring compliance with this Agreement, and complying with applicable law or other legal requirements. Venteur reserves the right, but is not obligated, to remove or disable access to any User Content, at any time and without notice, for any reason, including, but not limited to, if Venteur, at Venteur’s sole discretion, considers any User Content to be objectionable or in violation of this Agreement.

Venteur has the right to monitor access to and use of the Platform, Services, and Content and to investigate conduct that Venteur believes could affect the Platform, Services, or Content, including violations of this Agreement. Venteur may also consult and cooperate with law enforcement authorities and administrative agencies to prosecute Users who violate the law.

14. E-Signatures

Venteur provides an electronic signature service (the “E-Sign Service”) which allows parties to sign documents electronically. Each time that User uses the E-Sign Service, User is expressly (i) affirming that User is able to access and view the document (the “Document”) User is electronically signing via the E-Sign Service; (ii) consenting to conduct business electronically with respect to the transaction contemplated by the Document; and (iii) agreeing to the use of electronic signatures for the Document.

While many Users prefer the convenience of electronic signatures, using the E-Sign Service to electronically sign Documents is optional, and User can choose to manually sign Documents if User prefers. If User would like to manually sign a Document, User should (i) inform the party that sent User the Document of User’s decision to manually sign such Document; (ii) make sure that User does not electronically sign the Document via the E-Sign Service; and (iii) obtain a physical copy of the Document for User to sign. Obtaining a physical, non-electronic copy of the Document is User’s sole responsibility, and Venteur has no responsibility or liability with respect to such matter.

Venteur has no responsibility or liability with respect to the content, validity, or enforceability of any Document, nor is it responsible or liable for any matters or disputes arising from the Documents.

Venteur makes no representations or warranties regarding the validity or enforceability of electronic documents or electronic signatures. UNDER APPLICABLE U.S. STATE AND FEDERAL LAWS, ELECTRONIC SIGNATURES ARE NOT ENFORCEABLE ON SOME DOCUMENTS. IT IS USER’S RESPONSIBILITY TO CONSULT WITH AN ATTORNEY TO DETERMINE WHETHER A DOCUMENT WILL BE ENFORCEABLE IF IT IS ELECTRONICALLY SIGNED VIA THE E-SIGN SERVICE.

15. Payments Functionality

In order to use the payment functionality of our application, you must open a “Dwolla Platform” account provided by Dwolla, Inc. and you must accept the Dwolla Terms of Service and Privacy Policy. Any funds held in or transferred through the Dwolla Account are held or transferred by Dwolla’s financial institution partners as described in the Dwolla Terms of Service. You authorize Venteur Insurance Services LLC to collect and share with Dwolla your personal information including full name, date of birth, social security number, physical address, email address and financial information, and you are responsible for the accuracy and completeness of that data. You understand that you will access and manage your Dwolla account through our application, and Dwolla account notifications will be sent by us, not Dwolla. Venteur Insurance Services LLC will provide customer support for your Dwolla account activity, and can be reached at https://www.venteur.co, agency@venteur.co;/) and/or (415) 801-3676.

If you register to create an account to receive payments via our application, you expressly authorize our service provider, Dwolla, Inc. to originate credit transfers to your financial institution account. You must beat least 13 years old and obtain parental permission if under 18 to receive funds. You authorize us to collect and share with Dwolla your personal information including full name, email address and financial information, and you are responsible for the accuracy and completeness of that data. Dwolla’s Privacy Policy is available here.

16. Venteur Makes No Representations Regarding Platform Availability

Venteur makes no representations or warranties about the Platform’s uptime, availability, or permissibility in any particular geographical location. From time to time, scheduled system maintenance or emergency maintenance may occur, and during such maintenance periods, the Platform may be inaccessible and unavailable, with or without notice to User.

17. The Platform Can Cause Irrevocable Damage to User Content

The Platform’s performance of actions initiated by User may irrevocably modify and/or delete User Content. USER ACKNOWLEDGES AND AGREES THAT VENTEUR IS NOT RESPONSIBLE FOR THE LOSS OR MODIFICATION OF ANY USER CONTENT AND THAT USER’S USE OF THE PLATFORM IS AT USER’S OWN RISK.

18. Warranty Disclaimers

User’s use of the Platform, Services, and Content is entirely at User’s own risk. Venteur is not in the business of providing legal, regulatory, tax, financial, accounting, employment, or other professional services or advice. Any information provided by Venteur via the Platform or otherwise is meant for informational purposes only and should not be interpreted as professional advice. User should consult a professional that is trained or licensed in the relevant area if User needs such assistance. Certain Partners have licensed professionals who may provide professional advice.

TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, THE PLATFORM, SERVICES, AND VENTEUR CONTENT ARE PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND MADE BY VENTEUR. WITHOUT LIMITING THE FOREGOING, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, VENTEUR DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, DATA LOSS, AND NON-INFRINGEMENT. FURTHERMORE, VENTEUR MAKES NO WARRANTIES REGARDING THE ACCURACY, RELIABILITY, TIMELINESS, TRUTHFULNESS, COMPLETENESS, OR QUALITY OF ANY INFORMATION OR VENTEUR CONTENT IN OR LINKED TO THE SERVICES. VENTEUR CANNOT GUARANTEE THE ACCURACY OR COMPLETENESS OF USER CONTENT AND MAKES NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO USER CONTENT. VENTEUR DOES NOT WARRANT THAT THE PLATFORM, SERVICES, OR VENTEUR CONTENT WILL (I) MEET USER’S EXPECTATIONS OR REQUIREMENTS; (II) BE COMPLETELY SECURE OR FREE FROM ERRORS, BUGS, VIRUSES, OR OTHER HARMFUL COMPONENTS; OR (III) BE FREE FROM INTERRUPTION, THEFT, OR DESTRUCTION. IN ADDITION, VENTEUR EXPRESSLY DISCLAIMS ANY RESPONSIBILITY FOR MAKING SURE THAT DOCUMENTS WHICH ARE ELECTRONICALLY SIGNED VIA THE E-SIGN SERVICE ARE VALID AND ENFORCEABLE UNDER ANY APPLICABLE U.S. LOCAL, STATE, OR FEDERAL LAWS, OR THE LAWS OF ANY OTHER JURISDICTION.

If any error results, whether directly or indirectly, from Venteur’s reliance on information (or modifications to information) provided by User, an Authorized Representative, or anyone that Venteur reasonably believes to be User, an employee or independent contractor of User or an Authorized Representative of User (each such error, a “Resulting Error”), then Venteur will attempt to correct the Resulting Error, but Venteur makes no warranties or guarantees that it will be able to partially or fully correct the Resulting Error.

Venteur does not warrant, endorse, guarantee, or assume responsibility for any product or service, including without limitation Third-Party Services, advertised or offered by a third party through the Platform or any hyperlinked website or service, and Venteur will not be a party to or in any way be responsible for monitoring any transaction between User and third-party providers of products or services.

Venteur works with third-party service providers to provide the Services, and unless otherwise stated in an agreement between User and any such third-party service provider, the third-party service providers (i) make no warranty as to the accuracy or completeness of information provided to User, and (ii) disclaim express warranties or implied warranties imposed by law with respect to the services they provide, whether directly or indirectly, to User.

19. Indemnity

User will indemnify, defend, and hold harmless Venteur and its officers, directors, employees, agents, successors and assigns (the “Indemnified Parties”), from and against any and all claims, actions, disputes, demands, liabilities, damages, losses, costs, judgements, penalties, fines, liens, and expenses (including, without limitation, reasonable legal and accounting fees) (collectively, the “Claims”), of any kind or nature arising out of or in any way connected with (i) User’s access to or use of the Platform, Services, or Content; (ii) User Content; (iii) User’s violation or alleged violation of this Agreement; (iv) User’s violation or alleged violation of any third party right, including without limitation any right of privacy or publicity, or any right provided by any labor or employment law, rule, or regulation, or any intellectual property right; (v) User’s violation or alleged violation of any applicable law, rule, or regulation, including but not limited to wage and hour laws; (vi) User’s gross negligence, fraudulent activity, or willful misconduct; (vii) Venteur’s or any other Indemnified Party’s use of or reliance on information or data furnished by User, an employee or independent contractor of User, User’s or User’s Authorized Representative in providing the Services, or otherwise in connection with this Agreement; (viii) actions or activities that Venteur or any other Indemnified Party undertakes in connection with the Services or this Agreement at the direct request or instruction of anyone that Venteur or any other Indemnified Party reasonably believes to be User or an Authorized Representative (each such action or activity, a “Requested Action”); (ix) Venteur’s or any other Indemnified Party’s use of or reliance on information or data resulting from such Requested Actions; or (xi) User’s failure, or the failure of any Authorized Representatives, to properly follow Venteur’s instructions with respect to the Services.

20. Limitation of Liability

Venteur is not responsible or liable for (i) User Content or anyone’s reliance on User Content; (ii) Resulting Errors or any consequences or Claims directly or indirectly arising from Resulting Errors; (iii) any consequences or Claims directly or indirectly resulting from User’s delay in providing, or User’s failure to provide, Venteur with information necessary for its provision of Services; (iv) unauthorized third-party actions taken in User’s Account and any transactions, consequences, or Claims arising therefrom; (v) User’s negligence or any negligence of User’s Authorized Representative; (vi) any Claims, or portions of any Claims, that could have reasonably been avoided or mitigated by User through reasonable efforts; (vii) any circumstances or Claims arising out of or related to a Partner’s use of User’s Shared Information; (viii) any Requested Actions, or any consequences or Claims directly or indirectly resulting therefrom; or (x) User’s failure, or the failure of any Authorized Representatives, to properly follow Venteur’s instructions with respect to the Services.

NEITHER VENTEUR NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE PLATFORM, SERVICES, OR VENTEUR CONTENT WILL BE LIABLE FOR ANY INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, LOSS OF DATA OR GOODWILL, SERVICE INTERRUPTION, COMPUTER DAMAGE, OR SYSTEM FAILURE, OR THE COST OF SUBSTITUTE SERVICES ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, OR FROM THE USE OF OR INABILITY TO USE THE PLATFORM, SERVICES, OR CONTENT, WHETHER SUCH DAMAGES ARE BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT VENTEUR HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGES, EVEN IF A LIMITED REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO USER. IN NO EVENT WILL VENTEUR’S TOTAL LIABILITY FOR ANY CLAIMS ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT OR FROM THE USE OF OR INABILITY TO USE THE PLATFORM, SERVICES, OR CONTENT EXCEED THE AMOUNTS USER HAS PAID TO VENTEUR FOR USE OF THE PLATFORM, SERVICES, OR CONTENT IN THE SIX (6) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENTS GIVING RISE TO THE APPLICABLE CLAIM. THIS WILL BE THE SOLE AND EXCLUSIVE REMEDY AND ALL OTHER REMEDIES OR DAMAGES AT LAW OR EQUITY ARE WAIVED, EVEN IF YOU HAVE GREATER RIGHTS UNDER THE LAWS OF THE STATE IN WHICH YOUR HOME IS LOCATED, WHICH YOU SHOULD CONSULT. THE EXCLUSIONS AND LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN VENTEUR AND USER.

21. Duty to Mitigate

If User becomes aware of, or reasonably should have been aware of, any facts, issues, information, or circumstances which are reasonably likely, whether alone or in combination with any other facts, issues, information, or circumstances, to lead to a Claim against Venteur or User in connection with this Agreement, User must use reasonable efforts to mitigate any loss that may give rise to such a Claim.

22. Term; Termination; Suspension

The Services and this Agreement will continue until they are terminated by either party. User may terminate the Services and this Agreement through User’s Account. Venteur may terminate the Services and this Agreement by giving User at least thirty(30) days’ prior written notice. In addition to Venteur’s foregoing termination right, Venteur may immediately suspend or restrict User’s Account; suspend or restrict User’s access to the Platform or any Services; block User’s ability to use any particular feature of a Service; or immediately terminate the Services and this Agreement, in each case with or without notice to User, in the event that: (i) Venteur has any reason to suspect or believe that User may be in violation of this Agreement; (ii) Venteur determines that User’s actions are likely to cause legal liability for or material negative impact to Venteur; (iii) Venteur believes that User has misrepresented any data or information or that User has engaged in fraudulent or deceptive practices or illegal activities; (iv) User files a petition under the U.S. Bankruptcy Code or a similar state or federal law, or a petition under the U.S. Bankruptcy Code or a similar state or federal law is filed against User.

The termination of any of the Services or this Agreement will not affect User’s or Venteur’s rights with respect to transactions which occurred before termination. Venteur will have no liability for any costs, losses, damages, penalties, fines, expenses, or liabilities arising out of or related to Venteur’s termination of this Agreement. The Service Terms will survive and remain in effect even if this Agreement is terminated, cancelled, or rescinded.

Upon termination of any of the Service(s) and/or termination of this Agreement, User’s right to access and use such terminated Services(s) will automatically terminate; provided, however, that Venteur will generally continue to provide User with the ability to access User’s Account in a limited capacity with respect to such terminated Service(s) to view and download information that was available in User’s Account at the time of termination of such Service(s) (the “Limited Access Rights”). While User has Limited Access Rights, User must use reasonable efforts to adequately secure, and keep confidential, any passwords or credentials for User’s Account, and any information accessible via User’s Account. Venteur may deny the Limited Access Rights to User, or Venteur may revoke the Limited Access Rights at any time, in its sole discretion, if it has any reason to believe that User may have at any time breached Section 13 of this Agreement.

23. Changes to the Agreement, Platform, or Service

Venteur may modify the Agreement at any time, in Venteur’s sole discretion. If Venteur does so, Venteur shall let User know either by posting the modified Agreement on the Platform or Site or through other communications. It is important that User reviews the Agreement whenever Venteur modifies it because if User continues to use the Platform or Services after Venteur has notified User of the modification and the modified Agreement has been posted on the Platform or Site, User is indicating to Venteur that User agrees to be bound by the modified Agreement. If User does not agree to be bound by the modified Agreement, then User may not continue to use the Platform or Services. Because the Platform and Services are evolving over time, Venteur may change or discontinue all or any part of the Platform, Services, or Venteur Content at any time and without notice, at Venteur’s sole discretion.

24. Governing Law

This Agreement shall be interpreted and construed in accordance with the laws of the State of California, without regard to the conflicts of laws principles thereof.

25. Arbitration

Notwithstanding any other provision in this Agreement, and except as otherwise set forth in this section, if either User or Venteur has any dispute, controversy, or claim, whether founded in contract, tort, statutory, or common law, concerning, arising out of, or relating to this Agreement, the Platform, or the Services, including any claim regarding the applicability, interpretation, scope, or validity of this arbitration clause and/or this Agreement (each of the foregoing, a “Legal Claim”) that cannot be resolved directly between User and Venteur, then such Legal Claim will be settled by individual (not class or class-wide), confidential, binding arbitration administered by the American Arbitration Association (“AAA”) in accordance with the then-current Commercial Arbitration Rules and Mediation Procedures of the AAA (the “AAA Rules”), including any expedited procedures. To initiate an arbitration proceeding, an arbitration claim must be submitted by the claimant (the “Claimant”) to the AAA, and a written Demand for Arbitration must be provided to the other party (the “Opposing Party”), pursuant to the AAA Rules. Arbitration hearings will be held in San Francisco, California or any other location that is mutually agreed upon by User and Venteur. A single arbitrator will be mutually selected by Venteur and User and shall be (i) a practicing attorney licensed to practice law in California or a retired judge; and (ii) selected from the arbitrators on the AAA’s roster of commercial dispute arbitrators who have a background in benefits administration, and/or online commerce law (or if there are no such arbitrators, then from the arbitrators on the AAA’s roster of commercial dispute arbitrators) (collectively, the “Arbitrator Requirements”). If Venteur and User cannot mutually agree upon an arbitrator within ten (10) days of the Opposing Party’s receipt of the Demand for Arbitration from the Claimant, then the AAA shall appoint a single arbitrator that satisfies the Arbitrator Requirements. The arbitrator will follow the law and will give effect to any applicable statutes of limitation. The prevailing party shall be entitled to an award of the costs and expenses of the arbitration, including reasonable attorneys’ fees and expert witness fees. The award rendered by the arbitrator shall be final and binding upon User and Venteur. A judgment on the award may be entered and enforced in any court of competent jurisdiction. Venteur may, in its sole discretion, commence an action in any state or federal court of competent jurisdiction within the County of Santa Clara,, California, for any monetary amounts that User owes to Venteur (each, an “Action”). User hereby waives any objection to jurisdiction or venue, or any defense claiming lack of jurisdiction or improper venue, in any Action brought by Venteur in such courts.

User and Venteur agree and acknowledge that this Agreement evidences a transaction involving interstate commerce and that the Federal Arbitration Act (Title 9 of the United States Code) shall govern the interpretation, enforcement, and proceedings pursuant to the arbitration clause in this Agreement. USER FURTHER ACKNOWLEDGES, UNDERSTANDS, AND AGREES THAT USER AND VENTEUR ARE EACH WAIVING THEIR RESPECTIVE RIGHTS TO A TRIAL BY JURY AS TO DISPUTES HEREUNDER AND THAT USER IS WAIVING ITS RIGHT TO PARTICIPATE IN ANY CLASS ACTION PROCEEDING ARISING FROM THIS AGREEMENT. USER ALSO FURTHER ACKNOWLEDGES, UNDERSTANDS, AND AGREES THAT USER IS WAIVING THEIR RIGHT TO SERVE AS A PRIVATE ATTORNEY GENERAL OR IN A REPRESENTATIVE CAPACITY, OR TO JOIN ANY DISPUTE BROUGHT BY OTHERS.

26. Venteur Is Not Responsible for Things Venteur Cannot Control

Venteur is not responsible or liable for any delays or failures in performance from any cause beyond Venteur’s control, including, but not limited to, acts of God, changes to laws or regulations, embargoes, wars, terrorist acts, acts or omissions of third-party technology providers, riots, fires, earthquakes, floods, power outages, strikes, weather conditions, acts of hackers, acts of internet service providers, acts of any other third party, or acts or omissions of User.Without limiting the generality of the foregoing or Section 18, the Platform and the Services rely on third-party technology and services, such as application programming interfaces, for Third-Party Services and web hosting services. Any change to the products or services offered by any of these third-party providers may materially and adversely affect, or entirely disable, User’s use of or access to the Platform and the Services. Likewise, Venteur cannot guarantee that any User Content hosted on a third-party server will remain secure.

27. General

This Agreement, including all applicable Service Terms, constitutes the entire agreement between Venteur and User regarding the Platform, Services, and Content and replaces all prior understandings, communications, and agreements, oral or written, regarding this subject matter. This Agreement may be modified only by a written amendment signed by the parties or as otherwise provided in Section 22. If any part of this Agreement is deemed to be unenforceable or invalid, that section will be removed without affecting the remainder of the Agreement. The remaining terms will be valid and enforceable. User may not assign this Agreement, by operation of law or otherwise, without Venteur’s prior written consent. Any attempt by User to assign or transfer this Agreement, without such consent, will be null. Venteur may freely assign or transfer this Agreement without restriction. The provisions of this Agreement shall inure to the benefit of, and be binding upon, the parties and their respective successors and permitted assigns.

Any notices or other communications provided by Venteur under this Agreement, including those regarding modifications to this Agreement, will be given: (i) via email; or (ii) by posting to the Platform. For notices made by e-mail, the date of receipt will be deemed the date on which such notice is given. For notices made by posting to the Platform, the date of such posting will be deemed the date that notice is given. Venteur’s failure to enforce any right or provision of this Agreement will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Venteur. Except as expressly set forth in this Agreement, the exercise by either party of any of its remedies under this Agreement will be without prejudice to its other remedies under this Agreement or otherwise.

28. Electronic Transmission

This Agreement, and any amendments hereto, by whatever means accepted, shall be treated in all manner and respects as an original contract and shall be considered to have the same binding legal effect as if it were an original signed version thereof, delivered in person. Neither party hereto shall argue that a contract was not formed hereunder based on either (i) the use of electronic means to deliver a signature or to indicate acceptance of this Agreement or (ii) the fact that any signature or acceptance of this Agreement was transmitted or communicated through electronic means; and each party forever waives any related defense.

29. Consent to Electronic Communications

By providing us with your contact information, you agree to receive communications, including via e-mail, voice calls, and text messages from or on behalf of Venteur at the email address or telephone number you provided, even if that number is on a national or state “Do Not Call Registry.” These calls will be for purposes related to your use of the Platform or our other services, such as to provide you with help or information on using the Platform. Standard text messaging and telephone minute charges applied by your cell phone carrier may apply. IF YOU WISH TO OPT OUT OF MARKETING EMAILS, YOU CAN UNSUBSCRIBE BY FOLLOWING THE UNSUBSCRIBE OPTIONS IN THE EMAIL ITSELF. IF YOU WISH TO OPT OUT OF TEXTS, YOU MAY REPLY “STOP” FROM THE MOBILE DEVICE RECEIVING THE MESSAGES. You understand that you may continue to receive communications while we process your opt-out request, and you may also receive a communication confirming the receipt of your opt-out request.

30. Platform Security

Venteur has security measures in place that seek to mitigate risk and use commercially reasonable procedures and technologies to help protect the confidentiality of any PII collected through the Platform, in accordance with CMS requirements. However, no website can be absolutely protected against intentional or malicious intrusion attempts despite our precautions. Furthermore, Venteur does not control the devices, computers, or network through which you access the Platform or over which you may choose to send PII or payment information to the Platform, and therefore cannot prevent potential interceptions or compromises to your information while in transit to the Platform. Venteur makes no guarantee to User as to the security, integrity, or confidentiality of any information transmitted to or from the Platform. Venteur is committed to safeguarding your information to the best of its ability but cannot guarantee the security of electronic communications or transmissions made over the Internet.

Venteur makes no representations whatsoever about any other website that you may access through the Platform. When you access a non-Venteur website, please understand that it is independent from Venteur, and that Venteur has no control over the content on that website. In addition, a link to a non-Venteur website does not mean that Venteur endorses or accepts any responsibility for the content, or the use, of the linked website. It is up to you to take precautions to ensure that whatever you select for your use or download is free of such items as viruses, worms, Trojan horses, and other items of a destructive nature. If you decide to access any of the third party websites linked to the Platform, you do this entirely at your own risk.

31. Contact Information

If User has any questions about this Agreement, the Platform, or the Services, User may contact Venteur at support@Venteur.com or (415) 801-3676.801-3676.) Venteur, the provider of the Services, is located at 2081 Center Street, #9, Berkeley, CA 94704. If User is a California resident, User may report complaints regarding the Services by contacting the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at:

Department of Consumer Affairs

Consumer Information Division

1625 North Market Blvd., Suite N 112

Sacramento, CA 95834

Phone Number: (800) 952-5210