Terms & Conditions

The content and associated financial models on ourLibra.com ("ourLibra") are constantly evolving to address issues such as errors, changing market conditions, and user feedback. Therefore, the content and all services and products associated with ourLibra.com are provided to you on an "as-is" and "as available" basis. Financial Balance LLC makes no representations or warranties of any kind, express or implied, as to the operation of ourLibra.com or the information, content, materials, products, or services included on or associated with ourLibra.com. You expressly agree that your use of ourLibra.com and all products and services included on or associated with ourLibra.com is at your sole risk.

Financial Balance does not make any representations, warranties or guarantees, express or implied, regarding the accuracy, correctness, or completeness of the content or the services and products associated with ourLibra.com, nor the safety, reliability, title, timeliness, completeness, merchantability, conformity, or fitness for a particular purpose of the content or the services and products associated with ourLibra.com. It is your sole responsibility to independently evaluate the accuracy, correctness, or completeness of the content and the services and products associated with ourLibra.com. Financial Balance makes no representation, warranty, or guarantee that the content that may be available for downloading from ourLibra.com is free of infection from any viruses, worms, Trojan horses, trap doors, Easter eggs, time bombs, cancelbots, or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept, or expropriate any system, data, or personal information.

The content of ourLibra.com is intended only to assist you with financial decisions and is broad in scope. Your personal financial situation is unique and the information and advice may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, Financial Balance recommends that you obtain additional information and advice of your accountant and other financial advisors who are fully aware of your individual circumstances.

ourLibra.com is controlled and offered by us from our facilities in the United States of America. Financial Balance makes no representations that ourLibra.com is appropriate or available for use in other jurisdictions. If you access or use ourLibra.com from other jurisdictions, then you do so by your own volition and are solely responsible for compliance with local law.

Limitations on Financial Balance’s Liability
Financial Balance shall in no event be responsible to, or liable to, you, or any third party, whether in contract, warranty, tort (including negligence) or otherwise, for any damage, including, but not limited to, special, incidental, indirect, or consequential damages that include, but are not limited to, damages for any loss of profit, revenue, or business, as a direct or indirect result of:

(I) Your breach or violation of the terms and conditions of this agreement;
(II) Your access and use of ourLibra.com;
(III) Your delay in accessing or inability to access or use ourLibra.com for any reason;
(IV) Your downloading of any of the content or the collective work for your use;
(V) Your reliance upon or use of the content or the collective work; or
(VI) Any information, software, products, or services obtained through ourLibra.com, or otherwise, arising out of the use of ourLibra.com, whether resulting in whole or in part, from breach of contract, tortuous behavior, negligence, strict liability or otherwise, even if Financial Balance and/or its suppliers had been advised of the possibility of damages.

Financial Balance’s liability and the liability of its affiliates, directors, officers, employees, and agents arising out of this agreement shall not exceed $100.

You specifically acknowledge that Financial Balance shall not be liable for user-generated content or the defamatory, offensive, or illegal conduct of any third party, and that the risk of harm or damage from such user-generated content and third-party conduct rests entirely with you.

You and we agree that any cause of action arising out of or related to ourLibra.com must commence within one (1) year after the cause of action accrues. Otherwise, such cause of action is permanently barred.

Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions, or limitations may not apply to you.

Your Indemnification of Financial Balance
You shall defend, indemnify, and hold harmless Financial Balance and its officers, directors, shareholders, employees, independent contractors, agents, representatives, and affiliates from and against all claims and expenses, including, but not limited to, attorneys' fees, arising out of, or attributable to: (I) any breach or violation of this Agreement by you; (II) your access or use of ourLibra.com; and/or (III) your transmissions, submissions, or postings (i.e., your own User Generated Content).

Amendments of this Agreement
Financial Balance reserves the right to update, amend, and/or change this Agreement at any time in its sole discretion and without notice. Updates to this Agreement will be posted here. You are encouraged to revisit this Agreement from time to time in order to review any changes that have been made. Financial Balance’s last update was December 31, 2016. Your continued access and use of ourLibra.com following the posting of any such changes shall automatically be deemed your acceptance of all changes.

Financial Balance's Remedies
You acknowledge that Financial Balance may be irreparably damaged if this Agreement is not specifically enforced, and damages at law would be an inadequate remedy. Therefore, in the event of a breach or threatened breach of any provision of this Agreement by you, Financial Balance shall be entitled, in addition to all rights and remedies, to an injunction restraining such breach or threatened breach, without being required to show any actual damage or to post an injunction bond, and/or to a decree for specific performance of the provisions of this Agreement. For purposes of this Agreement, you agree that any action or proceeding with regard to such injunction restraining such breach or threatened breach shall be brought in the courts of record of Fort Bend County, Texas, or the United States District Court, Southern District of Texas. You consent to the jurisdiction of such court and waive any objection to the laying of the venue of any such action or proceeding in such court. You agree that service of any court paper may be effected on such party by mail or in such other manner as may be provided under applicable laws, rules of procedure, or local rules.

Governing Law; Arbitration
You agree that: (I) ourLibra.com shall be deemed solely based in the State of Texas; and (II) ourLibra.com shall be deemed a passive Web site that does not give rise to personal jurisdiction over Financial Balance, either specific or general, in jurisdictions other than the State of Texas. This Agreement is to be governed by and construed in accordance with the internal laws of the State of Texas, without regard for principles of conflicts of laws. Any civil action, claim, dispute, or proceeding arising out of or relating to this Agreement, except for an injunctive action regarding a breach or threatened breach of any provision of this Agreement by you as provided above, shall be referred to final and binding arbitration, before a single arbitrator, under the commercial arbitration rules of the American Arbitration Association in Fort Bend County, Texas.

THEREFORE, YOU DO NOT HAVE THE OPPORTUNITY TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS AND YOU GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. BY USING OURLIBRA.COM YOU CONSENT TO THESE RESTRICTIONS.

You and Financial Balance shall select the arbitrator, and if you and Financial Balance are unable to reach agreement on selection of the arbitrator within thirty (30) days after the notice of arbitration is served, then the American Arbitration Association shall select the arbitrator. Arbitration shall not commence until the party requesting it has deposited One Thousand Dollars ($1,000.00) with the arbitrator for the arbitrator's fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitrator's fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs.

Judgment upon any award rendered by the arbitrator shall be final, binding, and conclusive upon you and Financial Balance and your and Financial Balance's respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction. Notwithstanding the previous sentence, in no event shall either you or Financial Balance be entitled to punitive, special, indirect or consequential damages and both you and Financial Balance hereby waive your and Financial Balance's respective rights to any punitive, special, indirect, or consequential damages, including, but not limited to, damages for any loss of profit, revenue, or business.

Should a dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and Financial Balance, jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Fort Bend County, Texas.

Miscellaneous
If any portion of this Agreement is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, this Agreement as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Agreement that is unlawful, void, or unenforceable shall be stricken from this Agreement.

The headings contained in this Agreement are for convenience of reference only, are not to be considered a part of this Agreement, and shall not limit or otherwise affect in any way the meaning or interpretation of this Agreement.

All covenants, agreements, representations, and warranties made in this Agreement, as may be amended by Financial Balance from time to time, shall survive your acceptance of this Agreement and the termination of this Agreement.