Privacy Policy

Terms of Use

Last Updated: November 22, 2021

Acceptance of the Terms of Use

These terms of use are entered into by and between you and National Funding Group, LLC (“Company,” “we,” or “us“). The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, “Terms of Use“) govern your access to and use of the HaloPay App mobile application, including any content, functionality, and services offered on or through the HaloPay App mobile application (the “HaloPay App“).

Please read the Terms of Use carefully before you start to use the HaloPay App. By using the HaloPay App, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy, incorporated herein by reference. If you do not want to agree to these Terms of Use or the Privacy Policy, you must not access or use the HaloPay App.

The HaloPay App is offered and available to users who are at least 16 years of age. By using this HaloPay App, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all of the eligibility requirements. If you do not meet all of these requirements, you must not access or use the HaloPay App.

Changes to the Terms of Use

We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the HaloPay App thereafter.

Your continued use of the HaloPay App following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page each time you access the HaloPay App so you are aware of any changes, as they are binding on you.

Accessing the HaloPay App and Account Security

We reserve the right to withdraw or amend this HaloPay App, and any service or material we provide on the HaloPay App, in our sole discretion without notice. We will not be liable if for any reason all or any part of the HaloPay App is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the HaloPay App, or the entire HaloPay App, to users, including registered users.

You are responsible for both:

·Making all arrangements necessary for you to have access to the HaloPay App.

·Ensuring that all persons who access the HaloPay App are aware of these Terms of Use and comply with them.

To access the HaloPay App or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the HaloPay App that all the information you provide on the HaloPay App is correct, current, and complete. You agree that all information you provide to register with this HaloPay App or otherwise, including, but not limited to, through the use of any interactive features on the HaloPay App, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

If you choose, or are provided with, a user name, password, or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person with access to the HaloPay App or portions of it using your username, password, or other security information. You agree to notify us immediately of any unauthorized access to or use of your username or password or any other breach of security.

We have the right to disable any username, password, or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.

Intellectual Property Rights

The HaloPay App and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

These Terms of Use permit you to use the HaloPay App for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our HaloPay App, except as follows:

·Your device may temporarily store copies of such materials incidental to your accessing and viewing those materials.

You must not:

·Modify copies of any materials from the HaloPay App.

·Delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from the HaloPay App.

You must not access or use for any commercial purposes any part of the HaloPay App or any services or materials available through the HaloPay App.

If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the HaloPay App in breach of the Terms of Use, your right to use the HaloPay App will stop immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the HaloPay App or any content on the HaloPay App is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the HaloPay App not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws.

Prohibited Uses

You may use the HaloPay App only for lawful purposes and in accordance with these Terms of Use. You agree not to use the HaloPay App:

·In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).

·For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.

·To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation.

·To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity (including, without limitation, by using email addresses associated with any of the foregoing).

·To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the HaloPay App, or which, as determined by us, may harm the Company or users of the HaloPay App, or expose them to liability.

Additionally, you agree not to:

·Use the HaloPay App in any manner that could disable, overburden, damage, or impair the HaloPay App or interfere with any other party’s use of the HaloPay App, including their ability to engage in real time activities through the HaloPay App.

·Use any robot, spider, or other automatic device, process, or means to access the HaloPay App for any purpose, including monitoring or copying any of the material on the HaloPay App.

·Use any manual process to monitor or copy any of the material on the HaloPay App, or for any other purpose not expressly authorized in these Terms of Use, without our prior written consent.

·Use any device, software, or routine that interferes with the proper working of the HaloPay App.

·Introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful.

·Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the HaloPay App, the server on which the HaloPay App is stored, or any server, computer, or database connected to the HaloPay App.

·Attack the HaloPay App via a denial-of-service attack or a distributed denial-of-service attack.

·Otherwise attempt to interfere with the proper working of the HaloPay App.

Reliance on Information Posted

The information presented on or through the HaloPay App is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the HaloPay App, or by anyone who may be informed of any of its contents.

This HaloPay App may include content provided by third parties, including materials provided by other users, third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

Changes to the HaloPay App

We may update the content on this HaloPay App from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the HaloPay App may be out of date at any given time, and we are under no obligation to update such material.

Information About You and Your Visits to the HaloPay App

All information we collect on this HaloPay App is subject to our Privacy Policy. By using the HaloPay App, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.

Links from the HaloPay App

To the extent, the HaloPay App contains links to other sites and resources provided by third parties, these links are provided for your convenience only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this HaloPay App, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

HaloPay Authenticator

Your use of HaloPay App may also require the use of the HaloPay Authenticator app. To the extent that the use of the HaloPay Authenticator app is required, the terms and conditions of the HaloPay Authenticator App are governed by the Terms of Use and are not governed by these Terms of Use.

Geographic Restrictions

The owner of the HaloPay App is based in the United States. We make no claims that the HaloPay App or any of its content is accessible or appropriate outside of the United States. Access to the HaloPay App may not be legal by certain persons or in certain countries. If you access the HaloPay App from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

Disclaimer of Warranties

You understand that we cannot and do not guarantee or warrant that the HaloPay App will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data.

TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR DEVICE, DEVICE APPLICATIONS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE HaloPay App OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE HaloPay App OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE OR APPLICATION LINKED TO IT.

YOUR USE OF THE HaloPay App, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE HaloPay App IS AT YOUR OWN RISK. THE HaloPay App, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE HaloPay App ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE HaloPay App. WITHOUT LIMITING THE FOREGOING, NEITHER THE COMPANY NOR ANYONE ASSOCIATED WITH THE COMPANY REPRESENTS OR WARRANTS THAT THE HaloPay App, ITS CONTENT, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE HaloPay App WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE HaloPay App OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE HaloPay App WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

YOU EXPRESSLY AGREE THAT THE COMPANY IS NOT RESPONSIBLE FOR THE QUALITY, ACCURACY, OR TIMELINESS OF ADVICE, COMMENTS, OR SERVICES THAT ARE PROVIDED TO YOU THROUGH THE HaloPay App.

TO THE FULLEST EXTENT PROVIDED BY LAW, THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.

THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation on Liability

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE HaloPay App, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE HaloPay App OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

The limitation of liability set out above does not apply to liability resulting from our gross negligence or willful misconduct.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Use or your use of the HaloPay App, including, but not limited to, your user contributions, any use of the HaloPay App’s content, services, and products other than as expressly authorized in these Terms of Use, or your use of any information obtained from the HaloPay App.

Governing Law and Jurisdiction

All matters relating to the HaloPay App and these Terms of Use, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Colorado without giving effect to any choice or conflict of law provision or rule (whether of the State of Colorado or any other jurisdiction).

Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the HaloPay App shall be instituted exclusively in the federal courts of the United States or the courts of the State of Colorado, in each case located in the City of Denver and County of Denver, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms of Use in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.

Arbitration

All disputes arising from these Terms of Use or use of the HaloPay App, including disputes arising from or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying Colorado law.

Waiver and Severability

No waiver by the Company of any term or condition set out in these Terms of Use shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

If any provision of these Terms of Use is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Use will continue in full force and effect.

Entire Agreement

The Terms of Use and our Privacy Policy constitute the sole and entire agreement between you and National Funding Group, LLC regarding the HaloPay App and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the HaloPay App.

Your Comments and Concerns

This application is operated by National Funding Group, LLC.

All feedback, comments, requests for technical support, and other communications relating to the HaloPay App should be directed to: Info@HaloPay.app