Standard Terms

1. Eligibility

In order to use the Service, you must:

1. Complete the account registration process;

2. Agree to the following Terms

3. Provide true, complete, and up-to-date contact and billing information.

By using the Service, you represent and warrant that you meet all the requirements listed above, and that you won’t use the Service in a way that violates any laws or regulations. Note that by representing and warranting, you are making a legally enforceable promise.

Insightful Markets LLC may refuse service, close accounts of any Members, and change eligibility requirements at any time.

2. Term

When you sign up for an account and agree to these Terms, the Agreement between you and Insightful Markets is formed, and the term of the Agreement (the “Term”) will begin. The Term will continue for as long as you have a FAcheck account or until you or we terminate the Agreement in accordance with these Terms, whichever happens first. If you sign up for an account on behalf of a company or other entity, you represent and warrant that you have the authority to accept these Terms and enter into the Agreement on its behalf.

3. The Service

Insightful Markets’ FAcheck offers an online financial assistance qualification platform, which allows users to quickly qualify people for financial assistance by overlaying estimated household incomes prospective members that are entered in the application. The application never displays income levels, nor stores income data, it only displays the financial assistance the individual qualifies for. 

4. Closing Your Account

You or Insightful Markets may terminate the Agreement at any time and for any reason. Termination of the account by either party will be done in writing, via email. You will be responsible for any remaining balance. Once your account is terminated, you acknowledge and agree that we may permanently delete your account and all the data associated with it.

To terminate your account email support@facheck.com.

5. Changes

We may change any of the Terms by posting revised Terms on the Insightful Markets website, under FAcheck Terms. Unless you terminate your account, the new Terms will be effective immediately upon posting on the effective date indicated in the new Terms, as applicable, and apply to any continued or new use of the Service. We may change the Service, Add-ons, or any features of the Service at any time, and we may discontinue the Service, Add-ons, or any features of the Service at any time.

II. Payment

6. Payment Amount

You agree to submit a form of payment to the Service Provider either in the form of an ACH or credit card to keep on file for “automatic” payment for the previous month’s successful submissions. A submission is defined as a match to FAcheck’s database.  If no match is returned, there will be no charge for that submission. *Note a “No Match” is not the same as “Does not qualify” which is a billable submission.

The Client will be charged on a monthly basis, during the first week of the month, for the previous month’s submissions. Submission fees are charged based on the below table:

*Submissions over 3000 in a calendar month will be billed at $2,100 + $.70 per submission.

7. Rights

Insightful Markets owns all proprietary rights in the Service and all Insightful Market owned sites, including, but not limited to, patents, trademarks, service marks, trade secrets, copyrights, and other intellectual property rights.

You shall retain all right, title, and interest in and to the material, content, data, and information (including your personal information and the personal information of others) submitted to FAcheck in the course of using the Service.

Insightful Markets and its Representatives agree to retain Information submitted by you in strict confidence, to protect the security and integrity of such information and to not permit unauthorized access to or unauthorized use, disclosure, publication or dissemination of submitted Information except in conformity with this Agreement;

Insightful Markets and its Representatives shall adopt and/or maintain security processes and procedures to safeguard all Information received by you using a reasonable degree of care, but not less than that degree of care used in safeguarding its own similar information or material.  

IV. Liability

8. Limitation of Liability

To the maximum extent permitted by law, you acknowledge and agree that (i) you assume full responsibility for any loss that results from your use of the Service, including any downloads from the FAcheck Site; (ii) we and our Team won’t be liable for any indirect, punitive, special, or consequential damages, including any loss of data, profits, revenues, business opportunities, goodwill, or anticipated savings under any circumstances, even if they’re based on negligence or we’ve been advised of the possibility of those damages; and (iii) in any calendar month, the total liability of Insightful Markets and our third-party providers, licensors, distributors, or suppliers to you arising out of or relating to the Agreement—whether in contract, tort (including negligence), breach of statutory duty, or otherwise—will be no more than what you paid us for the Service the preceding month.

For the avoidance of doubt, in no instance will we or our Team be liable for any losses or damages you suffer if you use the Service in violation of these Terms, regardless of whether we terminate or suspend your account due to such violation.

9. No Warranties

Except as expressly stated in these Terms, the Service is provided as-is and we don’t provide warranties, conditions, or undertakings of any kind in relation to the Service, either express or implied. This includes, but isn’t limited to, warranties of merchantability and fitness for a particular purpose, data loss, merchantability, or non-infringement or any warranties with respect to the accuracy, reliability, or availability of any content or information made available in or through the Service, which are, to the fullest extent permitted by law, excluded from the Agreement. Since Members use the Service for a variety of reasons, we can’t guarantee that it’ll meet your specific needs.

10. Indemnity

You agree to indemnify and hold us and our Team harmless from any losses, damages, judgments, fines, and costs, including legal fees and expenses in connection with any claims you make that aren’t allowed under these Terms due to a “Limitation of Liability” or other provision. (Indemnity is an agreement to compensate someone for a loss.) You also agree to indemnify and hold us harmless from any losses, damages, judgments, fines, and costs, including legal fees and expenses, in connection with any claims arising out of or relating to (i) your Content, Campaigns, or Sites, (ii) your use of the Service, (iii) your violation of any laws or regulations, (iv) third-party claims that you or someone using your password did something that, if true, would violate any terms of the Agreement, (v) any misrepresentations made by you, or (vi) a breach of any representations or warranties you’ve made to us.