Our unique aggregation service (the “Service”) enables you to bring together, in one convenient location, as many of your accounts and financial relationships as you wish. Your personal dashboard shows you up-to-the-minute balances for all your accounts.

Please take a few minutes to read this User Agreement (referred to throughout as the “Agreement” ). Any reference to Fusion Advisor Inc. in this Agreement includes any directors, officers, employees, contractors, agents, service providers or licensees of Fusion Advisor Inc., As used in this document, the words “you” and “your” refer to the undersigned's use of the Service; the words “we” “us” “our” and any other variation thereof, refer to Fusion Advisor Inc.. When you're ready, click the “I Accept” button to start enjoying the convenience and security of this Service.

Acceptance of Terms


When you click on the "I Accept" button, you agree to accept the terms and conditions (the " Terms ") of this Agreement, including any amendments to the Agreement or changes in the Terms. If you do not agree to all of the Terms, click on the “I Decline” button. If you do not accept and agree to all of the Terms, you will not be entitled to use the Fusion Advisor Inc. Web site, Content, software and Services. Fusion Advisor Inc. reserves the right to change the Terms under which the Services are offered in its sole discretion at any time; however, Fusion Advisor Inc. will notify you of any material changes to the Terms. In most cases, you will receive notice online the next time you log in; however, Fusion Advisor Inc. reserves the right to notify you by e-mail or conventional mail, at its discretion. You agree that if you continue to use the Services after we notify you of any change, you thereby accept the changes to the Terms and agree to be bound by this Agreement, as amended. If you do not accept and agree to the changes to the Terms, you will not be entitled to use the Service. You can review, download and print the most current version of this Agreement at any time by clicking User Agreement. If you do not agree to the changes, or if at any time you wish to discontinue your use of the Services, you can unsubscribe by using the online feature to unsubscribe. Alternatively, if you prefer, you can unsubscribe by sending a registered or certified letter to Fusion Advisor Inc. at Fusion Advisor Inc. 112 N. Curry Street, Carson City, NV. 89703. Once your account with Fusion Advisor Inc. has terminated for any reason, you will have no further right or access to use the Service. To use the Service you must be at least eighteen (18) years old and have an e-mail address.
Privacy and Security Policy


Fusion Advisor Inc. regards your privacy and security with the utmost importance, and we are absolutely committed to safeguarding any information that you share with us. In order to provide the Service, we may obtain from you certain personal information regarding your accounts and financial relationships. We collect only such information as you knowingly provide to us or specifically authorize us to obtain on your behalf. Our priority is to keep this information secure and to use it only as you authorize us. We may request personal financial information from you only at the time you register. This information is necessary to create your user profile, which allows you to access our Service. You may access, review and update your personal and account information at any time by clicking on your Profile.

In order to enable us to provide the Service, we will ask you to provide information needed to access your Third Party Accounts. We will use this information only on your behalf and to carry out your instructions.

All of your personal and financial information will be placed on a secure portion of our Web site. We do not use any persistent “cookies” on the browser to store any personal information. We have multiple levels of security that have been designed especially for us. For more information, please see our Security Policy. A complete statement of our privacy policy can be found in our Privacy Policy.
User Content


Subject to Fusion Advisor Inc.'s Privacy Policy described above, you agree that Fusion Advisor Inc. may use, copy, modify, display and distribute any information, data, materials or other content (the “Content” ) you provide to Fusion Advisor Inc. in order to provide the Service, and you hereby give Fusion Advisor Inc. a license to do so. By submitting Content, you represent that you have the right to license such Content to Fusion Advisor Inc. for the purposes set forth in this Agreement.

Third Party Accounts


You understand and agree that, in order to provide the Service, it is necessary for Fusion Advisor Inc. to access third party Web sites and databases containing information regarding your accounts and financial relationships as designated by you ( "Third Party Accounts" ), on your behalf, to retrieve information as requested or authorized by you. By using the Service, you agree to authorize Fusion Advisor Inc. to access such Third Party Accounts to retrieve such Content as requested or authorized by you, or for any other purpose authorized by this Agreement. You warrant and represent that the information you are providing us with is true, correct and complete. You represent and warrant to us that you have the right to authorize and permit us access to your Third Party Accounts, you assure us that by disclosing the information to us and by authorizing us to use such information to access your Third Party Accounts, you are not violating any third party rights. You hereby authorize and permit Fusion Advisor Inc. to use Content and other information submitted by you to Fusion Advisor Inc. (such as account passwords and usernames) to accomplish these purposes and to configure the Service to be compatible with the Third Party Accounts.

For as long as you are using the Service, you give to Fusion Advisor Inc. a limited power of attorney and appoint Fusion Advisor Inc. as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access the Third Party Accounts, retrieve Content, and use your Content, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with the Service, as fully to all intents and purposes as you might or could do in person. Once Fusion Advisor Inc. has actual knowledge that you wish to cease using the Service as provided in this Agreement or as otherwise permitted in this Agreement and has a reasonable opportunity to act on such knowledge, this limited power of attorney is automatically revoked; provided, however, that any act done by Fusion Advisor Inc. in good faith before it has actual knowledge of termination by you shall be deemed to be authorized by you. To notify Fusion Advisor Inc. that you wish to discontinue using the Service, you may send us an e-mail as provided in this Agreement.

You understand and agree that at all times your relationship with each Third Party Account provider is independent of Fusion Advisor Inc. and your use of the Service. Fusion Advisor Inc. will not be responsible for any acts or omissions by the financial institution or other provider of any Third Party Account, including without limitation any modification, interruption or discontinuance of any Third Party Account by such provider.
 
YOU ACKNOWLEDGE AND AGREE THAT WHEN FUSION ADVISOR INC. IS ACCESSING AND RETRIEVING INFORMATION FROM THE THIRD PARTY ACCOUNTS, FUSION ADVISOR INC. IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY. YOU AGREE THAT Fusion Advisor Inc., ITS AFFILIATES AND PARTNERS SHALL BE ENTITLED TO RELY UPON THE FOREGOING AUTHORIZATION, AGENCY AND POWER OF ATTORNEY GRANTED BY YOU.

YOU AGREE THAT FUSION ADVISOR INC. SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND INCURRED AS A RESULT OF (1) Fusion Advisor Inc.'s ACCESS TO THE THIRD PARTY ACCOUNTS; (2) Fusion Advisor Inc.'s RETRIEVAL OF OR INABILITY TO RETRIEVE INFORMATION FROM THE THIRD PARTY ACCOUNTS; (3) ANY INACCURACY, INCOMPLETENESS OR MISINFORMATION CONTAINED IN CONTENT RETRIEVED FROM THE THIRD PARTY ACCOUNTS AND (4) ANY CHARGES IMPOSED BY THE PROVIDER OF ANY THIRD PARTY ACCOUNT.


In order to update the value of your assets as shown on your dashboard, we will access your Third-Party Account. FUSION ADVISOR INC MAKES NO REPRESENTATIONS, WARRANTIES OR OTHER GUARANTEES AS TO THE ACCURACY, COMPLETENESS OR TIMELINESS OF ANY PRICE QUOTES, NOR DOES FUSION ADVISOR INC. MAKE ANY REPRESENTATIONS, WARRANTIES OR OTHER GUARANTEES AS TO THE PRESENT OR FUTURE VALUE OR SUITABILITY OF ANY SALE, TRADE OR OTHER TRANSACTION INVOLVING ANY PARTICULAR SECURITY OR ANY OTHER INVESTMENT. You understand that Fusion Advisor Inc. is not a broker or dealer in securities, and is not an investment or financial advisor. You are solely responsible for your investment research. Prior to undertaking any securities transaction, you should consult a broker or other financial advisor with respect to the price, suitability, value or other aspects of any stock, mutual fund, security or other investment.

The Foreign Exchange rates used in currency calculations are currently provided by xe.com to Fusion Advisor Inc.. The Foreign Exchange rates are not real time. Neither Fusion Advisor Inc. nor xe.com is responsible for the accuracy of the rates provided or for any actions taken in reliance thereon.

Alert Service


The Fusion Advisor Inc. alerts service enables you to receive a notice via email or other devices concerning available information in your Third Party Accounts. You can set alerts for each of your Third Party Accounts registered on the Fusion Advisor Inc. Financial Dashboard. You are responsible for determining the criteria that governs the alert and Fusion Advisor Inc. will send an alert to you based upon the instructions you provide to us. Your instructions are neither reviewed nor verified by Fusion Advisor Inc. prior to or following activation of any alert. At any point, you can enable or disable an alert, or delete the alert altogether.

You understand and accept that an alert is transmitted electronically and you acknowledge that you have no expectation of privacy with respect to such information. You acknowledge that the information in the alert is unencrypted and can be accessed, used, or misappropriated by unintended third-party recipients. Fusion Advisor Inc. is not responsible for any unauthorized use or misappropriation of any and all information transmitted through the alert. Fusion Advisor Inc. does not guarantee the delivery or the accuracy of the contents of each alert. You acknowledge and agree that delivery of an alert may be delayed or prevented by factor(s) outside our control and we shall not be liable for any losses or missed opportunities incurred by you due to the delayed, non-delivery or misdirected delivery of an alert.

Fusion Advisor Inc. provides this service as a convenience to you for information purposes only. Fusion Advisor Inc. reserves the right to terminate its alert service or begin charging a fee for such service at any time without prior notice to you. Fusion Advisor Inc. shall not be liable for any direct, indirect, special, incidental, or consequential damages caused by (a) non-delivery, delayed delivery, or the misdirected delivery of an alert; (b) inaccurate or incomplete information in an alert; or (c) your reliance on or use of the information provided in an alert for any purpose.


To enable you to access the Service, you may be asked to choose a Username and Password when you register with us. You will then create a Fusion Advisor Inc. account and may be given a customer number. You are responsible for maintaining the confidentiality of your customer number, Username and Password. You are responsible for all uses of your account, whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER, USERNAME OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Fusion Advisor Inc. will know or will need to know your Password.

Electronic Communications


The Fusion Advisor Inc. Service is an electronic, Internet based-service. Therefore, you understand and agree that this Agreement will be entered into electronically, and that the following categories of information (" Communications ") may be provided by electronic means:

Although Fusion Advisor Inc. reserves the right to provide Communications in paper format at any time, you agree that we are under no obligation to do so. All Communications in either electronic or paper format will be considered to be "in writing." You should print a paper copy of this Agreement and any electronic Communication that is important to you and retain the copy for your records. If you do not wish to receive this Agreement or the Communications electronically, you may not use the Service.

You agree to promptly update your registration records if your e-mail address or other information changes. You may update your records, such as your e-mail address, by using the Personal Profile page.

Communications may be posted on the pages of the Service website and/or delivered to the e-mail address you provide. All electronic Communications sent by e-mail will be deemed to have been received by you when Fusion Advisor Inc. sends it to you, whether or not you received the e-mail. If the Communications is posted on the Service, then it will be deemed to have been received by you no later than five (5) business days after Fusion Advisor Inc. posts the Communication on the pages of the Service, whether or not you retrieved the Communication. An electronic Communication by e-mail is considered to be sent at the time that it is directed by Fusion Advisor Inc.'s e-mail server to the appropriate e-mail address. An electronic Communication by posting to the pages of the Service is considered to be sent at the time it is publicly available. You agree that these are reasonable procedures for sending and receiving electronic Communications.


In order to access and retain Communications, you must have:

Proprietary Rights


You acknowledge and agree that Fusion Advisor Inc. owns all rights in and to the Service. You are permitted to use the Service only as expressly authorized by this Agreement. You may not copy, reproduce, distribute, or create derivative works, reverse engineer or reverse compile any of Fusion Advisor Inc.'s Service or technology.

No Unlawful or Prohibited


Use As a condition of using the Service, you warrant to Fusion Advisor Inc. that you will not use the Service for any purpose that is unlawful or is not permitted, expressly or implicitly, by the terms of this Agreement or by any applicable law or regulation. You further warrant and represent that you will not use the Service in any manner that could damage, disable, overburden, or impair the Service or interfere with any other party's use and enjoyment of the Service. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Service. You agree that these warranties and representations will remain in full force and effect even if this Agreement terminates for any reason.


Fusion Advisor Inc. may modify or discontinue the Service or your account with Fusion Advisor Inc., with or without notice, without liability to you, any other user or any third party. Fusion Advisor Inc. reserves the right to terminate your account at any time and for any reason, including without limitation if Fusion Advisor Inc., in its sole judgment, believes you have engaged in conduct or activities that violate any of the Terms or the rights of Fusion Advisor Inc., or if you provide Fusion Advisor Inc. with false or misleading registration information or interfere with other users or the administration of the Service.

You may terminate your account with Fusion Advisor Inc. at any time by using the online feature to unsubscribe. Alternatively, if you prefer, you can unsubscribe by sending a registered or certified letter to Fusion Advisor Inc. at Fusion Advisor Inc. Inc. 112 N. Curry Street, Carson City, NV. 89703.

Once your account with Fusion Advisor Inc. has terminated for any reason, you will have no further right or access to use the Service, and Fusion Advisor Inc. will not access your Third Party Accounts thereafter for any reason.

Links To Third Party Sites


The Fusion Advisor Inc. Web site may contain links to other Web sites ( "Linked Sites" ). Such links are provided solely as a convenience for you. While Fusion Advisor Inc. will attempt to select and provide links to Linked Sites that it believes may be of interest to its customers, Fusion Advisor Inc. does not screen, approve, review or otherwise endorse any content or information contained in any Linked Sites. You acknowledge and agree that Fusion Advisor Inc., its affiliates and partners are not responsible for the contents of any Linked Sites, including the accuracy or availability of information provided by Linked Sites, and makes no representations or warranties regarding the Linked Sites or your use of them.
Limitation of Warranty and Liability


YOU UNDERSTAND AND AGREE THAT FUSION ADVISOR INC.'S SERVICE IS PROVIDED "AS-IS." FUSION ADVISOR INC. ASSUMES NO RESPONSIBILITY FOR THE TIMELINESS, DELETION, MIS-DELIVERY OR FAILURE TO STORE ANY USER COMMUNICATIONS OR PERSONALIZATION SETTINGS. YOU UNDERSTAND AND EXPRESSLY AGREE THAT USE OF THE SERVICE IS AT YOUR SOLE RISK, THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA.

EXCEPT AS EXPRESSLY SET FORTH ON THE FUSION ADVISOR INC. WEB SITE, FUSION ADVISOR INC.. DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT AND IT MAKES NO WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE, THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICE, THE ACCURACY OF ANY INFORMATION RETRIEVED BY FUSION ADVISOR INC. FROM THE THIRD PARTY ACCOUNTS OR THAT THE SERVICE WILL MEET ANY USER'S REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE.

FUSION ADVISOR INC. WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY KIND RESULTING FROM THE USE OF OR THE INABILITY TO USE THE SERVICE, ANY INACCURACY OF ANY INFORMATION RETRIEVED BY FUSION ADVISOR INC. FROM THE THIRD PARTY ACCOUNTS, ANY BREACH OF SECURITY CAUSED BY A THIRD PARTY, ANY TRANSACTIONS ENTERED INTO BASED ON THE SERVICES, ANY LOSS OF, UNAUTHORIZED ACCESS TO OR ALTERATION OF A USER'S TRANSMISSIONS OR DATA OR FOR THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICE, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLES, EVEN FUSION ADVISOR INC. HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Indemnification


You agree to indemnify, defend and hold harmless Fusion Advisor Inc., its affiliates, partners, officers, directors, employees, consultants and agents from any and all third party claims, liability, damages and/or costs (including, but not limited to, attorneys fees) arising from your use of the Service, Fusion Advisor Inc.'s reliance on the information, instruction, license and/or authorization provided by you under or pursuant to this Agreement, your violation of the Terms or your infringement, or infringement by any other user of your account, of any intellectual property or other right of any person or entity.


You understand and agree that Fusion Advisor Inc. is not a bank, a broker-dealer firm, or any other kind of financial institution. You represent and warrant that you are who you claim to be; that you are the rightful owner of all Content and the Third Party Accounts linked to your dashboard; and that you may rightfully authorize Fusion Advisor Inc. to access the Third Party Accounts. You understand that Fusion Advisor Inc. is not responsible or liable if your financial institution's or any other provider of Third Party Accounts system “goes down” or if they have any system failures and we are unable to retrieve information on your behalf.

You agree that our rights and remedies arising out of any breach of your representations and warranties in this Agreement, the limitations on our liability and our rights to indemnification under this Agreement are continuing and shall survive the termination of this Agreement, notwithstanding the lack of any specific reference to such survivability in these provisions. Fusion Advisor Inc.'s failure to enforce the strict performance of any provision of this Agreement will not constitute a waiver of Fusion Advisor Inc.'s right to subsequently enforce such provision or any other provisions of this Agreement.

The most current version of this Agreement as it appears on our Web site, including any amendments that we may make from time to time, constitutes the entire agreement between us, and supersedes and replaces all other agreements or understandings, whether written or oral, regarding the Service. This Agreement may be amended, or any of Fusion Advisor Inc.'s rights waived, only if Fusion Advisor Inc. agrees in writing to such changes, or you continue using the Service following receipt of notice of any changes proposed by Fusion Advisor Inc.. All notices to you shall be in writing and shall be made either via e-mail, conventional mail or messages delivered through the Service, at Fusion Advisor Inc.'s discretion. All notices to Fusion Advisor Inc. must be made in writing and sent to Fusion Advisor Inc. at Fusion Advisor Inc. 112 N. Curry Street, Carson City, NV. 89703. via registered or certified mail. This Agreement is personal to you and you may not assign it to anyone.

If either of us has any dispute or disagreement with the other regarding this Agreement that we cannot resolve amicably, both parties agree that the sole and exclusive remedy shall be binding arbitration in accordance with the then-current rules and procedures of the American Arbitration Association.

This Agreement shall be governed by and construed in accordance with the laws of the State of Nevada or California, without giving effect to its conflict of law’s provisions or your actual state or country of residence. If for any reason a court of competent jurisdiction finds any provision or portion of the Terms to be unenforceable, the remainder of the Terms will continue in full force and effect.

This Agreement shall take effect immediately upon acceptance of your completed registration by Fusion Advisor Inc.