TenYour

Last Updated: January 31, 2024

TenYour Terms of Use

About; Acceptance of Terms of Use
1. This Website is operated and owned by TenYour Inc., a Delaware corporation, operating from PO Box 6149, Austin, TX 78762 (“us”, “we”, “our” or “TenYour”).
2. TenYour is a generational wealth company. Our mission to help middle and working class professionals in the United States attain and sustain generational wealth. Primarily, we will do this by offering products that are intended to protect their personal and family savings funds and also to assist in their ability to purchase a home.
3. Your use of this Website and the Products (defined below) offered for subscription on our Website is subject to these terms of use (“Terms of Use”). The Terms of Use constitute a binding legal agreement between you and us, and your continued use of the Website and subscription to the Products constitutes your acceptance and acknowledgement of these Terms of Use, our Privacy Policy, and any other policy displayed on the Website, all of which constitute a part of the Terms of Use. If you do not agree to the Terms of Use, you must not use the Website and/or subscribe for the Products.
4. When you subscribe to any of our Products, you will be entering into a separate Sale Contract (defined below) with us which will govern the specific terms of our Product and associated services. These Terms of Use do not alter or change any terms or provisions of any Sale Contract or other agreement between you and TenYour.
5. We may amend or modify the Website, the Terms of Use and/or the Privacy Policy at our sole discretion and at any time. Any amendments are effective immediately upon publication on the Website. Your continued use of the Website indicates your continued acceptance of the Terms of Use as modified. If at any time you do not agree to any portion of our Terms of Use then in effect, you must immediately stop using the Website and our Products and services available through the Website. In the event we make any material change to these Terms of Use, we will undertake reasonable efforts to notify you of the change in advance by email, notification on the Website or another similar mechanism.
Definitions
1. In these Terms of Use:
  1. Content means any material provided by us as part of the Website or the Products, including but not limited to any data, documentation, design documents, text, descriptions, photographs, images, music, video and any ancillary materials.
  2. Price means for each Product, the subscription price listed on the Website and which is subject to change from time to time.
  3. Privacy Policy means our privacy policy available on the Website.
  4. Products mean the products offered by us on the Website to attain and sustain generational wealth of our customers including the layoff/unemployment assistance product.
  5. Sale Contract means a binding legal agreement under which we sell you the relevant Product/s for the Price/s.
  6. Terms of Use mean these Terms of Use which include the Privacy Policy.
  7. User Submissions mean any content whatsoever that you upload to the Website, including but not limited to any bios, experience, descriptions, reviews, usage data, feedback, comments, chats and media.
  8. We, we, us, our means TenYour Inc.
  9. Website means this website.
  10. You, you or your means you and any user of the Website or the Products.
Access
1. Access to and use of this Website, and the availability of any Products, is subject to you being United States resident who is at least 18 years old and have otherwise reached the age of majority in your state. By accessing the Website, you represent and warrant that you have the right, authority and capacity to enter into these Terms of Use and that you meet all eligibility requirements applicable to any specific Product. If these conditions are not satisfied, please cease using the Website immediately.
Registration
User Submissions ‌
1. Representations and Warranties
  Where the Website allows you to upload any User Submissions, you:
  1. represent and warrant to us that you have all right, title, interest and authority in the User Submissions;
  2. represent and warrant to us that you have the permission to use the name and likeness of each person whose image appears in any User Submissions in the manner contemplated by these Terms of Use;
  3. represent and warrant to us that the use or exploitation of User Submissions by us will not infringe the rights of any third party (including, but are not limited to, intellectual property rights and privacy rights); and
  4. agree and undertake to us to pay all amounts which become owing to any person (whether by way of royalty or otherwise) as a result of or in connection with your submission of the User Submissions to or via the Website.
2. Prohibited User Submissions
  You must not add any User Submission:
  1. unless you hold all necessary rights, licences and consents to do so;
  2. that may result in you or us breaching any law, regulation, rule, code or other legal obligation;
  3. that is or could reasonably be considered to be obscene, inappropriate, defamatory, disparaging, indecent, seditious, offensive, pornographic, threatening, abusive, liable to incite racial hatred, discriminatory, profane, in breach of confidence, in breach of privacy or harassing;
  4. that would bring us or the Website into disrepute;
  5. that infringes the rights of any person;
  6. that you know (or ought reasonably to suspect) is false, misleading, untruthful or inaccurate;
  7. that contains unsolicited or unauthorised advertising (including junk mail or spam); or
  8. that contains computer or software viruses, files or programs that are designed to interfere with the ordinary functions of the Website, or obtain unauthorised access to any system, information, security device belonging to us or any third party.
3. Grant of Rights
  You hereby grant to us a non-exclusive, royalty-free, worldwide, perpetual license, with the right to sub-license, to reproduce, distribute, transmit, create derivative works of, publicly display and publicly perform any User Submissions or any other materials or information (including, without limitation, ideas for new or improved products) you communicate to us by all means and, in any media, now known or hereafter developed. You also grant us the right to use your name in connection with the submitted materials and other information as well as in connection with all advertising, marketing and promotional material related thereto. You agree that you shall have no recourse against us for any alleged or actual infringement or misappropriation of any proprietary right in your communications to us.
4. Feedback
  To the extent where the Website enables and you provide us with any suggestions, comments, improvements, ideas or other feedback in any form or media ("Feedback"), you hereby assign ownership of all rights, title and interest in such Feedback including all intellectual property rights subsisting therein to us. You further acknowledge and agree that we have no obligation (whether of confidentiality, compensation or otherwise) with respect to such Feedback and that we can use, exploit and share such Feedback for any purpose at our discretion without any restrictions.
5. No Liability
  1. We neither endorse nor assume any liability for the contents of User Submissions. We generally do not pre-screen, monitor, or edit User Submissions. However, we and our agents have the right at their sole discretion to remove any User Submissions or other content that, in our judgment, does not comply with the Terms of Use and any other rules of user conduct for the Website, or is otherwise harmful, objectionable, or inaccurate. We are not responsible for any failure or delay in removing any such User
    Submission or other content. You hereby consent to such removal and waive any claim against us arising out of such removal of any User Submissions, whether it is your own or another user.
  2. To the maximum extent permitted by law, you are solely responsible for your own User Submissions and the consequences of posting or publishing them. You release us and indemnify us from any claim or loss in relation to User Submissions being posted or published on the Website or stored in our servers.
6. Back-Up and Storage
  It is your responsibility to back up User Submissions to your own systems. We do not guarantee that the Website will be available at all times. You agree that we can store User Submissions on our servers.
7. Survival
  This clause 5 will survive termination of these Terms of Use.
Your conduct
1. In using the Website and the Products, you must:
  1. strictly comply with any terms and conditions displayed on our Website;
  2. obey all laws whatsoever (including international law) which may apply in respect of your use of the Website and the Products;
  3. not take any action that is likely to impose upon the Website or us (or other third-parties) a disproportionately large load;
  4. not interfere with the proper working of the Website, the Products or any activities conducted via the Website;
  5. not use any robots, spiders, or similar data mining, data gathering or extraction tools or manual processes to collect, gather or copy any content or data on or related to the Website or the Products in a manner not authorised by us in writing;
  6. not engage in practices of “screen scraping”, “database scraping” or any other practice or activity the purpose of which is to obtain lists of users, portions of a database, or other lists or information from the Website or the Products, in any manner not authorised by us in writing;
  7. not frame or utilise framing techniques to enclose any trademark, logo or other proprietary information (including images, text, page layout or form) owned by us or our affiliates without our prior written consent;
  8. not use meta tags or any other “hidden text” utilising our name or trademarks without
    our prior written consent; and
  9. except to the extent the Copyright Act allows you to do so, not reverse engineer or otherwise seek to obtain any source code forming part of the Website.
Products ‌
1. Description of Products and On-boarding Process
  You acknowledge and agree that the Product and service information and descriptions contained within the Website are for general information purposes only and are not intended to be complete descriptions of all terms, conditions and exclusions applicable to the Products,
  constitute an offer to sell or a solicitation of an offer to buy any referenced Product. You may find the detailed terms along with other coverage details and riders in the actual Product documents issued upon completion of subscription. Reference to a Product included anywhere in the Website is not a recommendation to buy, sell, or hold that, or any other Product. By using our Website, you also acknowledge your understanding that approval of your application for any Product is not guaranteed and is subject to acceptance based upon our internal review and onboarding guidelines. We reserve the right to refuse to sell Products to any person, for any reason, at our sole discretion.
2. Sale Contracts
  Every time you subscribe to any Product from us using the Website, you will enter into a separate Sale Contract with us to subscribe to the relevant Product in exchange for the relevant Price. The Sale Contract will govern the terms and conditions of your subscription.
3. Price and Payment Mechanism
  1. All Prices are quoted in United States Dollars unless otherwise stated and may change from time to time. Product Prices may change due to a variety of factors, including without limitation promotional events or new offerings.
  2. Payment for Products will be processed through the chosen payment mechanism that we accept, unless indicated otherwise. You must abide by the payment processor’s terms and conditions of use and those terms will govern in relation to payments in the event of any conflict with these Terms of Use. The Price must be paid without setoff or deduction on the terms and conditions of these Terms of Use and specifically this clause 7.
  3. You understand and agree that following your initial premium payment, we will automatically charge your same approved payment method for your recurring premium payments on the date each premium payment is due, unless you provide us with a different payment method that we accept. If you provide a different payment method that we accept, that will constitute your authorization for us to process your recurring premium payments using that new payment method.
  4. You may change your approved payment method by writing to us
    at joah@TenYour.com. You also may cancel these recurring payments by canceling the subscription to your Product by writing to us. Requests to change to another approved payment method or to cancel must be made reasonably in advance to the payment due date to be effective for that payment due. You understand that your failure to notify us of your payment information changes or to resolve any payment issues, and your failure to pay any premium amount due for any other reason, may result in the lapse of your Product subscription as per the policy's terms.
4. Changes to Products
  We reserve the right to change, suspend or discontinue any features or components of the Products at our sole discretion and at any time. If we make any material changes to the Products, we will notify you by publishing the changes on the Website. Notwithstanding the above, we have no obligation to update any Products offerings.
5. Product Disclaimers
  YOU HEREBY ACKNOWLEDGE AND AGREE THAT:
  1. WE ARE A START-UP WITH NO PARTICULAR OPERATIONS WITHIN REGULATED INSURANCE AND/OR FINANCIAL INDUSTRIES, AND THAT OUR CURRENT BUSINESS IS TO DETERMINE THE VIABILITY OF THE PRODUCTS OVER AN UNDISCLOSED PERIOD OF
    OPERATIONS. THEREFORE YOUR SUBSCRIPTION FOR AND PARTICIPATION IN COMPANY’S PRODUCTS IS CONSIDERED HIGH RISK AS COMPANY CONTINUES TO DEVELOP THE PRODUCTS.
  2. THE PRODUCTS OFFERED AND SOLD BY US ARE NOT INSURANCE PRODUCTS AND WE ARE NOT REGULATED BY ANY STATE INSURANCE REGULATORS. WHILE WE WILL USE REASONABLE COMMERCIAL EFFORTS TO MAINTAIN FUNDS WITHIN FDIC-INSURED BANK ACCOUNTS, WE ARE NOT A FINANCIAL INSTITUTION, ARE NOT REGULATED BY ANY STATE OR FEDERAL FINANCIAL REGULATORS, AND GIVE NO GUARANTEE TO YOU THAT ANY MONTHLY PREMIUM AMOUNTS OR MONTHLY PREMIUM ENHANCEMENTS WILL BE SAFEGUARDED FROM DIMINUTION IN VALUE.
  3. WE DO NOT PROVIDE ANY LEGAL, REGULATORY, ACCOUNTING, TAX OR HEALTH CARE ADVICE, AND WE ENCOURAGE YOU TO CONSULT YOUR OWN ADVISORS BEFORE MAKING ANY FINANCIAL DECISION REGARDING ANY PRODUCTS OFFERED BY US.
Intellectual Property Rights ‌
Third Party Sites
1. The Website may contain links to websites or services that are owned and operated by third parties. We have no control over and assume no responsibility for these external websites or services, which are governed by terms and conditions and privacy policies independent of us.
2. You acknowledge and agree that when you access a third-party website or service available via a link contained on the Website:
  1. you do so at your own risk and understand that you should review the privacy policy and terms and conditions of that website or service;
  2. we are not liable for the content, accuracy, lawfulness, appropriateness, availability or any other aspect of that third-party website or service; and
  3. you acknowledge and agree that to the full extent permitted by applicable law, we will not be liable for any loss or damage suffered by you or any other person as a result of or in connection with your access, use or reliance on any third-party website or service available via a link on the Website.
Disclaimer and Limitation of Liability
1. ANY INFORMATION PROVIDED ON THE WEBSITE, INCLUDING ANY INFORMATION IN RELATION TO THE PRODUCTS, IS OF GENERAL NATURE ONLY. YOU ACKNOWLEDGE THAT:
  1. YOU MUST RELY ENTIRELY ON YOUR OWN ENQUIRIES AND JUDGMENT IN RELATION TO THE PRODUCTS, ANYTHING OFFERED BY US, ANY OTHER INFORMATION OR MATERIAL CONTAINED ON THE WEBSITE;
  2. YOUR USE OF OUR WEBSITE, PRODUCTS AND THE ASSOCIATED SERVICES IS SOLELY AT YOUR OWN VOLITION AND RISK; AND
  3. WE CANNOT POSSIBLY GUARANTEE YOUR SATISFACTION WITH ANY PRODUCT. ACCORDINGLY, WE DISCLAIM ALL WARRANTIES AND ANY LIABILITY FOR ANY NON-ECONOMIC LOSS INCLUDING WITHOUT LIMITATION LOSS OF ENJOYMENT, DISAPPOINTMENT, DISTRESS OR FRUSTRATION, WHETHER PHYSICAL OR MENTAL.
2. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAWS, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE, TITLE, MERCHANTABILITY, DATA LOSS, NON-INTERFERENCE WITH OR NON-INFRINGEMENT OF ANY INTELLECTUAL PROPERTY RIGHTS. WE PROVIDE THE WEBSITE AND THE PRODUCTS ON AN “AS IS” AND ON AN “AS AVAILABLE” BASIS AND WE DO NOT WARRANT THAT THE WEBSITE, PRODUCTS AND SERVICES, AND DATA PROCESSED THROUGH THE WEBSITE OR SERVICES, ARE SECURE, ACCURATE, FREE FROM BUGS, VIRUSES, INTERRUPTION, ERRORS, THEFT OR DESTRUCTION. WE ALSO DISCLAIM ANY REPRESENTATIONS OR WARRANTIES THAT YOUR USE OF THE WEBSITE, PRODUCTS OR SERVICES WILL SATISFY OR ENSURE COMPLIANCE WITH ANY LEGAL OBLIGATIONS OR LAWS OR REGULATIONS.
3. TO THE EXTENT THAT ANY LAW RESTRICTS OUR RIGHT TO EXCLUDE WARRANTIES UNDER THESE TERMS OF USE, THESE TERMS OF USE MUST BE READ SUBJECT TO THOSE PROVISIONS AND NOTHING IN THESE TERMS OF USE IS INTENDED TO ALTER OR RESTRICT THE OPERATION OF SUCH PROVISIONS. IF THOSE STATUTORY PROVISIONS APPLY, NOTWITHSTANDING ANY OTHER PROVISION OF THESE TERMS OF USE, TO THE EXTENT THAT WE ARE ENTITLED TO DO SO, WE LIMIT OUR LIABILITY PURSUANT TO SUCH PROVISIONS TO THE SHORTER OF:
  1. 90 DAYS FROM THE DATE OF FIRST SUBSCRIPTION OF THE PRODUCTS OR SERVICES; OR
  2. THE SHORTEST PERIOD PERMITTED BY THOSE LAWS AND REGULATIONS.
4. IN ADDITION TO THE DISCLAIMERS AND LIMITATIONS STATED ABOVE, OUR LIABILITY ARISING IN CONNECTION WITH THESE TERMS OF USE, THE WEBSITE OR THE PRODUCTS IS LIMITED AS FOLLOWS:
  1. WE EXCLUDE ALL LIABILITY FOR CONSEQUENTIAL, SPECIAL, INDIRECT, NON-ECONOMIC OR REMOTE LOSS, INCLUDING LOSS OF OPPORTUNITY OR BUSINESS RESULTING (I) FROM YOUR ACCESS TO OR USE OF OR INABILITY TO USE THE WEBSITE, PRODUCTS OR THIRD-PARTY WEBSITES, (II) ANY CONDUCT OF OR CONTENT ON ANY THIRD-PARTY
    WEBSITE OR SERVICE LINKED OR REFERENCED ON THE WEBSITE, INCLUDING BUT NOT LIMITED TO ANY VIOLATIONS OF APPLICABLE LAWS OR REGULATIONS, OR YOUR INTERACTION WITH ANY SUCH THIRD PARTY, (III) ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF, OR FOR ANY CONTENT FROM, ANY OTHER USER OF THE WEBSITE, (IV) DAMAGES RELATING TO FAILURES OF TELECOMMUNICATIONS, THE INTERNET, ELECTRONIC COMMUNICATIONS, DATA CORRUPTION, SECURITY, LOSS OR THEFT OF DATA, VIRUSES, SPYWARE, LOSS OF BUSINESS, LOSS OF REVENUE, OR LOSS OF PROFITS FOR INVESTMENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES IN ADVANCE;
  2. WE ARE NOT RESPONSIBLE FOR DELAY OR FAILURE TO SUPPLY PRODUCTS OR ANY OTHER BREACH HEREUNDER CAUSED BY EVENTS BEYOND OUR REASONABLE CONTROL LIKE ACT OF WAR, HOSTILITY OR SABOTAGE, NATURAL DISASTER, ELECTRICAL, INTERNET, OR TELECOMMUNCATION OUTAGE, PANDEMIC OR EPIDEMIC;
  3. OUR MAXIMUM TOTAL LIABILITY ARISING IN CONNECTION WITH THESE TERMS OF USE IS CAPPED TO ONE HUNDRED UNITED STATES DOLLARS ($100);
  4. OUR LIABILITY IS EXCLUDED TO THE EXTENT THAT YOU CONTRIBUTED TO THE LIABILITY;
  5. WE EXCLUDE ALL LIABILITY FOR ANYTHING YOU HAVE BEEN AWARE OF FOR LONGER THAN SIX MONTHS AND YOU HAVE NOT COMMENCED A CLAIM; AND
  6. OUR LIABILITY IS SUBJECT TO YOUR DUTY TO MITIGATE YOUR LOSS.
5. ALL OF THE ABOVE SUBCLAUSES ARE CUMULATIVE TO ONE ANOTHER.
Release and Indemnity
1. To the maximum extent permitted by law, you agree to release the Released Parties from all Loss or Claims arising out of or in any way connected with any Relevant Matter. You further waive any and all rights and benefits otherwise conferred by any statutory or non-statutory law of any jurisdiction that would purport to limit the scope of a release or waiver.
2. To the maximum extent permitted by law, you agree to indemnify, defend and hold harmless the Released Parties from any Loss or Claims arising out of or in any way connected with any Relevant Matter.
3. In this clause:
  1. Claim means a claim, action, proceeding or demand made against a person concerned, however it arises and whether it is present or future, fixed or unascertained, actual or contingent.
  2. Loss means a damage, loss, cost, expense or liability incurred by the person concerned however arising, including without limitation penalties, fines, and interest and including those which are prospective or contingent and those the amount of which for the time being is not ascertained or ascertainable.
  3. Released Parties means us and our officers, directors, shareholders, agents, employees, consultants, associates affiliates, subsidiaries, sponsors, and other third-party partners.
  4. Relevant Matter means anything in connection with:
    1. any damage to person, property, personal injury or death;
    2. your breach of these Terms of Use or the Sale Contract;
    3. any matter for which we have purported to disclaim liability for under these Terms of Use;
    4. User Submissions which you upload to the Website;
    5. access, use, misuse, or abuse of the Website by you or by any person under your account; and
    6. your breach or failure to observe any applicable law.
Termination
1. You acknowledge and agree that:
  1. We may terminate your access to the Website at any time without giving any explanation.
  2. We may terminate these Terms of Use or any Sale Contract immediately by notice to you in writing if you are deemed to breach these Terms of Use, the Sale Contract or associated policies in any way, in our sole discretion.
  3. We may stop providing the Website or any Product or service, or any aspect of any of its Products or services, and terminate your account, for any reason or no reason, including, without limitation, if we suspect that you have used any aspect of our Products or services to conduct any fraudulent or illegal activity or if we determine it is required by law to do so.
2. Termination of these Terms of Use, a Sale Contract or your access to the Website and the Products does not release you from any of your obligations and liabilities that may have arisen or been incurred prior to the date of such termination.
3. Subject to the terms and conditions of any applicable Product, you also have the right to cancel your online account at any time. You may cancel your online account by contacting us at joah@TenYour.com .
Governing Law and Jurisdiction
1. These Terms of Use are governed by the laws of State of California, USA and each party submits to the exclusive jurisdiction of the courts of Sacramento County in California and all courts of appeal therefrom. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
2. WE AND YOU AGREE THAT ANY AND ALL DISPUTES MUST BE BROUGHT IN THE RESPECTIVE
  PARTY’S INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. BY USING OUR WEBSITE, YOU AGREE TO WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR LITIGATE ON A CLASS-WIDE BASIS, AND YOU FURTHER AGREE THAT YOU HAVE EXPRESSLY AND KNOWINGLY WAIVED THESE RIGHTS.
3. You acknowledge and agree that we would not provide to you the products or services including use of the Website and the software on the terms and in the form offered to you under these Terms of Use if you had not agreed to the governing law, venue and waiver of class action rights above in this Section 13.
General
Contact us

If you have any questions regarding these Terms of Use, our Products or the Sale Contract, please contact us via email at joah@TenYour.com. In case of any claims arising under the Products, please contact us via email at claims@TenYour.com .