KINNECT TERMS OF SERVICE
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Effective Date: January 1, 2025
Welcome to Kinnect! These Terms of Service (together with Kinnect's Privacy Policy, the "Terms") govern your access and use of app.kinnect.us (the "Site") and all products, services, mobile websites, and native mobile applications (collectively, the "Services") operated by The Kinnect Company, a Delaware stock corporation ("Kinnect," "we," "us," or "our").
By using the Services, you agree to be bound by these Terms. If you are a financial advisor or professional agent accessing the Services on behalf of another person or entity, you represent and warrant that you have the authority to agree to these Terms on their behalf.
1.ELIGIBILITY
You must be at least 13 years old to use the Services. If you are under 13, you may not use the Services. We reserve the right to refuse access to anyone and to update our eligibility criteria at any time.
2.ACCOUNT REGISTRATION & SECURITY
- Certain Services require an account ("Account").
- You are responsible for maintaining accurate account information and keeping your password secure.
- You may not impersonate another person or use an unauthorized email.
- You control professional access to your data, including:​
- Access levels: Full access, specific data types, or individual items.
- Duration: Indefinite or time-limited.
- Notifications: Receive alerts when professionals access data.
- Audit Logs: All file views, edits, and interactions are recorded in an "Activity" log.
- If you suspect unauthorized access, notify us immediately at hello@kinnect.us.
3.DATA OWNERSHIP & AI-GENERATED INSIGHTS
- You own your data, including all uploaded documents and manually entered content.
- AI-Generated Insights (e.g., financial categorization, estate mapping) are owned by Kinnect but are licensed to you for personal use.
- You may view, use, and export AI-generated insights.
- Kinnect may use anonymized AI data to improve our Services.
4.PRIVACY & SECURITY
- Kinnect is HIPAA-compliant and uses premium encryption keys for sensitive data.
- Users are responsible for managing their encryption keys.
- Kinnect cannot recover encrypted data if a user loses their encryption key.
- Data access is fully user-controlled with customizable permissions and notifications.
5.SUBSCRIPTION & BILLING
- Subscriptions auto-renew unless canceled before the renewal date.
- No prorated refunds for mid-term cancellations.
- Billing errors must be disputed within 60 days of the charge.
- Failure to pay may result in account suspension.
6.ACCEPTABLE USE
- You may not:
- Share or misuse another person's account.
- Upload harmful, fraudulent, or illegal content.
- Attempt to hack or bypass security systems.​
- Violations may result in account termination.
7.PROFESSIONAL SERVICES & THIRD-PARTY INTEGRATIONS
- Kinnect provides API integrations with third-party financial services (MX, Zillow, Addepar, etc.).
- Kinnect does not guarantee the accuracy of third-party data.
- Advisors and professionals only access data users explicitly permit.
- Kinnect is not a financial, legal, or medical advisor and does not provide professional advice.
8.DISPUTE RESOLUTION & ARBITRATION
- All disputes must be resolved through binding arbitration in Florida.
- Users waive the right to file lawsuits or participate in class actions.
- Arbitration will be conducted by a recognized arbitration body.
- Governing Law: These Terms are governed by the laws of Florida.
9.INDEMNIFICATION
You agree to defend, indemnify, and hold harmless Kinnect, its affiliates, officers, directors, employees, agents, suppliers, and partners from any claims, liabilities, damages, losses, and expenses, including attorneys' fees, arising out of or in any way connected to:
- Your use or misuse of the Services,
- Your violation of these Terms,
- Your infringement of any intellectual property or other rights of any person or entity,
- Any third-party claims arising from content you submit or actions you take through the Services.
10.LIMITATION OF LIABILITY
- Kinnect is not responsible for unauthorized access, hacking, or data loss due to user mismanagement.
- Maximum liability is limited to the amount you paid for Kinnect Services in the last three months or $500, whichever is greater.
11.MODIFICATIONS & TERMINATION
- We may update these Terms at any time by notifying users via email or in-app notification.
- If you continue to use Kinnect, you accept the updated Terms.
- Kinnect may terminate accounts for violations of these Terms.
12.CONTACT INFORMATION
For support, billing inquiries, or legal concerns, contact us at: hello@kinnect.us