Terms of Service

Welcome to Uncover Finance. These Terms of Service ("Terms") govern your access to and use of our website, services, and applications (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

If you do not agree to these Terms, do not use our Services.

1. Acceptance of Terms

By creating an account, accessing, or using Uncover Finance, you agree to:

• These Terms of Service
• Our Privacy Policy
• All applicable laws and regulations

We may modify these Terms at any time. Continued use of our Services after changes constitutes acceptance of the modified Terms.

2. Description of Services

Uncover Finance provides:

• Search Tools: Search California's unclaimed property database
• Master Database: Access to filtered, sortable unclaimed property data
• Analytics and Insights: Data analysis and reporting features

We aggregate publicly available unclaimed property data from California state sources and present it in an organized, searchable format.

3. User Accounts

Account Creation

• You must be at least 18 years old to create an account
• You must provide accurate, current, and complete information
• You are responsible for maintaining the confidentiality of your account credentials
• You are responsible for all activities that occur under your account

Account Security

• Notify us immediately of any unauthorized use of your account
• Do not share your account credentials with others
• Use a strong, unique password for your account

Account Termination

We reserve the right to suspend or terminate your account if you:

• Violate these Terms
• Engage in fraudulent activity
• Abuse or misuse our Services
• Provide false or misleading information

4. Acceptable Use

You May:

• Use our Services for lawful purposes only
• Search for unclaimed property for yourself, family, or clients
• Export data as permitted by your subscription tier
• Share results as allowed by your account type

You May Not:

• Use our Services for any illegal purpose
• Scrape, crawl, or harvest data using automated tools
• Resell, redistribute, or sublicense our data
• Impersonate others or provide false information
• Interfere with or disrupt our Services
• Use our Services to spam, harass, or harm others
• Violate any applicable laws or regulations

5. Data and Content

Our Data

• We source data from publicly available California state records
• We do not verify or guarantee the accuracy of underlying public records
• Data is provided "as is" from government sources
• We add value through aggregation, organization, and analysis

Your Data

• You retain ownership of any data you provide to us
• You grant us a license to use your data to provide our Services
• You represent that you have the right to provide any data you upload

Intellectual Property

• Our Services, including software, databases, and design, are protected by copyright and other intellectual property laws
• We grant you a limited, non-exclusive, non-transferable license to use our Services
• You may not copy, modify, distribute, or create derivative works without our permission

6. Subscription and Payment

Free and Paid Tiers

• We offer both free and paid subscription tiers
• Paid features are clearly identified on our pricing page
• Subscription fees are charged in advance on a monthly or annual basis

Billing

• You authorize us to charge your payment method for applicable fees
• Subscriptions automatically renew unless cancelled
• All fees are non-refundable except as required by law

Cancellation

• You may cancel your subscription at any time
• Cancellation takes effect at the end of your current billing period
• You will retain access to paid features until the end of the billing period

Price Changes

• We may change our prices with 30 days' notice
• Price changes apply to subsequent billing periods

7. Disclaimers and Limitations

No Warranty

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING:

• Warranties of merchantability and fitness for a particular purpose
• Warranties regarding accuracy, reliability, or completeness of data
• Warranties that our Services will be uninterrupted or error-free

Data Accuracy

We rely on publicly available government data. We do not:

• Verify the accuracy of underlying public records
• Guarantee that data is current or complete
• Promise any particular results from using our Services

Not Legal or Financial Advice

• Our Services do not constitute legal, financial, or professional advice
• Consult appropriate professionals for advice specific to your situation
• We are not responsible for decisions you make based on our data

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNCLAIMED INTELLIGENCE SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities
• Damages resulting from your use or inability to use our Services
• Damages resulting from errors or inaccuracies in public records

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM.

9. Indemnification

You agree to indemnify and hold harmless Uncover Finance, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of our Services
• Your violation of these Terms
• Your violation of any rights of another party
• Your violation of any applicable laws

10. Third-Party Services

Our Services may contain links to third-party websites or integrate with third-party services. We are not responsible for:

• The content or practices of third-party websites
• The accuracy of third-party data or services
• Your interactions with third parties

11. Dispute Resolution

Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles.

Arbitration

Any disputes arising from these Terms or our Services shall be resolved through binding arbitration, except that either party may seek injunctive relief in court for intellectual property disputes.

Class Action Waiver

You agree to resolve disputes individually and waive any right to participate in class actions or representative proceedings.

12. General Provisions

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Uncover Finance.

Severability

If any provision of these Terms is found to be invalid, the remaining provisions shall remain in full effect.

Waiver

Our failure to enforce any provision does not constitute a waiver of that provision.

Assignment

You may not assign these Terms without our consent. We may assign these Terms to any successor or affiliate.

Force Majeure

We are not liable for delays or failures due to circumstances beyond our reasonable control.

13. Contact Information

If you have questions about these Terms, please contact us:

Email: adamr@berkeley.edu

14. Acknowledgment

By using Uncover Finance, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.