Last Updated: January 2020
Welcome to Nav.it! We are pretty pumped about our content, app, website, and services, so we’re glad to have you here. We look forward to helping you reach your goals financially so that you can live your best life.
BY CONTINUING TO ACCESS AND INTERACT WITH OUR WEBSITE, LOGGING INTO YOUR ACCOUNT, OR DOWNLOADING/INSTALLING AND/OR USING THE MOBILE APPLICATION, YOU (A) ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS AGREEMENT; (B) REPRESENT THAT YOU ARE 18YEARS OF AGE OR OLDER; AND (C) ACCEPT THIS AGREEMENT AND AGREE THAT YOU ARE LEGALLY BOUND BY ITS TERMS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE APPLICATION AND DELETE IT FROM YOUR MOBILE DEVICE.
THE NAV.IT MOBILE APPLICATION PROVIDES YOU WITH THE ABILITY TO TRANSFER MONEY IN AND OUT OF A SAVINGS ACCOUNT WITH THE HELP OF OUR PARTNER PLATFORMS: PLAID AND nbkc BANK. PLEASE READ THE END USER LICENSE AGREEMENT FOR THE APPLICATION FOR MORE INFORMATION ABOUT THEM AND MORE INFORMATION ABOUT OUR APPLICATION.
Plaid and nbkc , neither endorse nor guarantee any of the information, recommendations, optional programs, products, or services advertised, offered by, or made available through Nav.it’s website, which is an external, third party website for them (Nav.it’s "Products and Services") and disclaim any liability for any failure of the Products and Services.
Much of our functionality is on our mobile application - you may not be able to access your account from our website, but we want to make sure that you understand what types of things you will be able to do, and the limitations of what you will be able to do with our website. If you have more specific questions about the mobile application, please look at our mobile application’s “End User License Agreement,” found on the application itself or at this link.
A. “Nav.it” is owned by Nav.it, LLC (“Nav.it”),a Washington State Limited Liability Company. “We,” “Nav.it,” and “Nav.it” may be used interchangeably on this site and on products and services offered on this site, and are used to indicate the company, owners, parent company, and/or agents of the company, Nav.it, LLC. We may also be referring towww.navitmoney.com, another website owned and operated by us.
B. “Nav.it” and the associated logo are trademarks owned by Nav.it. All associated content is copyrighted content owned by Nav.it.
C. “Parties” mean Nav.it and You. Nav.it and You are each a “Party.”
E. “You” and “Your” means any person interacting with Nav.itApplication, purchasing products on Nav.it, and accessing Nav.it content.
NAV.IT LICENSE GRANT – WHAT CAN YOU DO HERE?
ByBy continuing to access, interact with, and browse this site, Nav.it may be allowing you to do any or all of the following: :
We use third parties to facilitate the transfer of money. Nav.it is not a money transmitter business. We use the following company to transmit:Plaid, a bank-level security API which has relationships with over 30,000 institutions. Transfers typically take between 3-5 days to complete.
We also are not a bank. We partner with a third party FDIC-insured bank nbkc Bank to facilitate the deposits of users savings goals. Alldeposits are held in FDIC-insuredsavings accounts.
We may receive a portion of the interest collected on your savings or charge a percentage ofyour transmission amountas a means to cover costs and make money - we’re all about you and our company being financially empowered and transparent. We do not sell data to thirdparties, so we have to make money somehow.We will disclose the amount we collect and the amount you earn, where and if applicable, at the time of the transaction.
Just remember, that we areNOT your financial advisors, tax advisors, or legal advisors by simply accessing this site. Everything that you read or interact with on the site is for informational purposes only and you should contact a professional before taking action and to answer your questions.
REQUIREMENTS FOR USE
In order to purchase or use any services offered on the website:
If we suspect that you are misusing the services or our website in any way, if you fail to provide any necessary information or payments, or we find that you are using the services or website for commercial purposes, we reserve the right to cancel your account.
NAV.IT – WHAT CAN YOU NOT DO HERE?
Your permission to use theSite is conditioned upon the following Restrictions. Nav.it expects you to respect us and our content. You agree that you will not under any circumstances:
· copy theSiteor cause theSiteto be copied;
· reverse engineer, disassemble, decompile, decode or otherwise attempt to derive or gain access to the source code of the Application;
· use theSite or its contentsfor any unlawful or unethical purpose or for the promotion of illegal activities;
· use our content without permission;
· provide false or inaccurate information when purchasing any coaching or classes;
· interfere or attempt to interfere with the proper functioning of the Site;
· make any automated use of the system, or take any action that we deem to impose or to potentially impose an unreasonable or disproportionately large load on our servers or network infrastructure;
· bypass any robot exclusion headers or other measures we take to restrict access to our site, content, or proprietary information or use any software, technology, or device to scrape, spider, or crawl theSite, app, or harvest or manipulate data;
· publish, make derivative works of, or link to our content orApplication without Nav.it’s explicit permission to do so;
· share or sell your login or user information, when applicable;
· receive legal, financial, investment, tax, or medicaladvice;
· receive legal, financial, investment, tax, or mental health advice (yes, these last two are almost exactly the same so that it is clear);or
· share false or misleading information about Nav.it.
Opinions, advice, statements, offers, or other information or content made available for your use are from the direct experience of Nav.it and Nav.it’s contributing authors. Nav.it, its affiliates, and its customers are not guaranteeing any specific result. Your results can vary depending on your particular life circumstances, your industry, your implementation, and a large array of things. Nav.it strives to provide impactful and meaningful advice, but there is no substitute for expert advice. Nav.it, the customers mentioned on the Nav.itApplication, and the Nav.it contributors have experienced the stories and results mentioned and we believe you can improve your relationship with money and the way you invest by learning more about yourself and by implementing tips and strategies that we have used.
BUT we can’t guarantee any specific result and we are NOT guaranteeing any specific result.
We are not your specific financial, investment,legal, mental health, or tax advisor! If you have questions, pleasecontact a professional.
Nav.it will disclose any fees ahead of time related to services rendered or offered on this Site.
LINKS TO OTHER SITES AND/OR MATERIALS
While building our own healthy relationship with money, we may have made use of various third party services. Nav.it may provide you with convenient links to these third party website(s) (“Third Party Sites”) as well as links to content or applications (“Third Party Services” and “Third Party Content”). These links are provided as a courtesy to You. However, once you leave Nav.it or otherwise access any Third Party Sites, Third Party Services, and Third Party Content or their promotions, Nav.it has no control over and no liability for the materials, information, goods or services available on these Third Party Sites, Third Party Services or Third Party Content. Such Third Party Sites, Third Party Services, and Third Party Content are not investigated, or monitored for appropriateness, or completeness by Nav.it on any regular basis, and Nav.it is not responsible for them, even if you accessed them through theSite. We are not responsible for them, including the content, accuracy, offensiveness, opinions, reliability, privacy practices or other policies of or contained in the Third Party Sites, Third Party Services, or Third Party Content. Inclusion of, linking to or permitting the use or installation of any Third Party Site, Third Party Services, or Third Party Content does not mean we are in any responsible for them or the results that you may get using them, it’s just an interesting tool or site that Nav.it has come across to be included in your arsenal of tools and resources.
If you decide to leave theSiteand access the Third Party Sites or to use or install any Third Party Services, or follow any Third Party Content, you do so at your own risk and you should be aware that our terms and policies no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any site to which you navigate from theSiteor relating to any applications you use or install from the site.
If you are a copyright owner or an agent thereof and believe, in good faith, that any materials on this site infringe upon your copyrights, you may submit a notification pursuant to theNav.ital Millennium Copyright Act (see 17 U.S.C 512) (“DMCA”) by sending the following information in writing to the Company’s designated copyright agent at firstname.lastname@example.org with the subject: “Nav.it Copyright Complaint”:
By submitting any reviews, anecdotes, case studies, or other content to Nav.it, you expressly grant, and you represent and warrant that you have a right to grant, to Nav.it a royalty-free, sublicensable, transferable, perpetual, irrevocable, non-exclusive, worldwide license to use, reproduce, modify, publish, list information regarding, edit, translate, distribute, publicly perform, publicly display, and make derivative works of all such Content. Nav.it will ask your permission before publishing any identifying information with the Content.
INFORMATION; USER ACCOUNTS AND USERCONTENT
When you create your own personalized account, if applicable, you may be able to provide us with photos, written content, or other stuff that updates us and the Nav.it community on your travels, your budgets, your goals, etc. (“User Content”). You are solely responsible for the User Content that you post, upload, link to or otherwise make available via the Service.
You agree that we are only acting as a passive platform for your online distribution and publication of your User Content. The Company, however, reserves the right to remove any User Content from the Service at its sole discretion. We want to keep things Nav.it community friendly when applicable.
We grant you permission to use and access the Service, subject to the following express conditions surrounding User Content. You agree that failure to adhere to any of these conditions constitutes a material breach of these Terms.
By transmitting and submitting any User Content while using the Service, you agree as follows:
· You are solely responsible for your account and the activity that occurs while signed in to or while using your account;
· You will not post information that is malicious, libelous, false or inaccurate;
· You will not post any information that is abusive, threatening, obscene, defamatory, libelous, or racially, sexually, religiously, or otherwise objectionable and offensive;
· You will not submit content that is copyrighted or subject to third party proprietary rights, including privacy, publicity, trade secret, or others, unless you are the owner of such rights or have the appropriate permission from their rightful owner to specifically submit such content; and
· You hereby agree that we have the right to determine whether your User Content submissions are appropriate and comply with these Terms of Service, remove any and/or all of your submissions, and terminate your account with or without prior notice.
You understand and agree that any liability, loss or damage that occurs as a result of the use of any User Content that you make available or access through your use of the Service is solely your responsibility. The Site is not responsible for any public display or misuse of your User Content.
USER CONTENT OR ACCOUNTS THAT DO NOT CONFORM WITH NAV.IT STANDARDS
We attempt to monitor User posts and content that may be objectionable or inappropriate or hurtful to the Nav.it Community, but we cannot see or catch everything. If we happen to remove your content and you believe the removal was improper, please let us know by emailing: email@example.com. At our discretion, we, or technology we employ, may monitor your interactions with the Service or with other Users and delete objectionable content or content deemed inappropriate. Nav.it also reserves the right to disable User accounts for repeated abuses, at our discretion.
If you see any objectionable or inappropriate content by another User, content that does not conform with the standards that we have set out above, then we have created an automatic flagging system within the Application to help you to alert of these users.
YOUR RIGHT TO WITHDRAW YOUR CONSENT.
Your consent to receive Communications electronically will remain in effect until you withdraw it. You may withdraw your consent to receive further Communications electronically at any time by contacting us at firstname.lastname@example.org. If you withdraw your consent to receive Communications electronically, we will close your savings account and return the balance to the bank account on file with us. You will also, at that time, no longer be able to use your the Savings-Related Services, except as expressly provided in these Terms. Any withdrawal of your consent to receive Communications electronically will be effective only after we have a reasonable period of time to process your request; therefore, you may still receive some communications until we have time to process your request properly and fully.
YOU AGREE TO KEEP YOUR CONTACT INFORMATION CURRENT WITH US.
In order to ensure that we are able to provide Communications to you electronically, you must notify us of any change in your email address and your mobile device number or other text message address by updating your profile on the Website or the Application.
You also agree to keep your bank account information and related financial information current with us.
COPIES OF COMMUNICATIONS.
You should print and save and/or electronically store a copy of all Communications that we send to you electronically. This is kind of a good idea anyway with important information in your life.
You acknowledge and agree that we and our licensors retain ownership of all intellectual property rights of any kind related to thisApplication, including applicable copyrights on written, audio, video, or produced materials; trademarks; trade dress; domain name rights; on the associated Nav.it app, and any content provided in the app, and other proprietary rights, whether identified as proprietary or not, whether implied or expressly stated. Other product and company names that are mentioned on the Service may be trademarks of their respective owners. We reserve all rights that are not expressly granted to You or Others under this Agreement. Your use of or interaction with thisApplicationdoes NOT grant you any license or permission to use, copy, make derivative works of, or repost any of the proprietary information on this site, even with attribution, without express, written permission from Nav.it.
We’re glad you like our stuff. We’re glad you found our stuff useful and think others may find it useful. However, that does not give you the right to provide it to others or copy it without our permission.
You agree to protect, defend, indemnify and hold harmless Nav.it, its officers, directors, employees, owner(s), and parent company(ies) and assigns from and against all claims, demands, and causes of action of every kind and character without limit arising out of Your conduct. Your indemnity obligation includes, but is not limited to, any third party claim against Nav.it for liability for payments for, damages caused by, or other liability relating to, You.
NO WARRANTY; NO LEADS
Life is a do-it-yourself adventure. Nav.it does not and cannot promise, guarantee or warrant any success, income, or result. You understand and acknowledge that Nav.it will not at any time provide money or specific investment opportunities to You. Additionally, NAV.IT’SSITEAND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE ANDNON INFRINGEMENT. NAV.IT MAKES NO REPRESENTATION OR WARRANTY AS TO THE ACCURACY, RELIABILITY, TIMELINESS OR COMPLETENESS OF ANY MATERIAL ON OR ACCESSIBLE THROUGH ANY NAV.ITAPPLICATION OR SERVICE. ANY RELIANCE ON OR USE OF SUCH MATERIALS SHALL BE AT YOUR SOLE RISK. NAV.IT MAKES NO REPRESENTATION OR WARRANTY (A) THAT ANY NAV.IT WEBSITE ORAPPLICATION OR SERVICE WILL BE AVAILABLE ON A TIMELY BASIS, OR THAT ACCESS TO ANY NAV.IT WEBSITE OR SERVICE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE; (B) THAT DEFECTS OR ERRORS WILL BE CORRECTED; OR (C) THAT ANY NAV.IT’SWEBSITE OR APPLICATION OR THESITESERVERS OR NETWORKS THROUGH WHICH ANY NAV.IT’S WEBSITE IS MADE AVAILABLE ARE SECURE OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
The Nav.itSitemay include inaccuracies, errors and materials that conflict with these Terms. In the event of any conflict between anything posted on any Nav.itSite and these Terms, these Terms shall control.
LIMITATION OF LIABILITY
YOU AGREE THAT IN NO EVENT SHALL NAV.IT’S LIABILITY TO YOU FOR ANY CLAIM OF ANY KIND OR DESCRIPTION EXCEED THE AMOUNT OF WHAT YOU PAID TO NAV.IT PRECEDING THE DATE IN WHICH THE FACTS GIVING RISE TO A CLAIM AGAINST NAV.IT OCCURRED. YOU WAIVE ANY RIGHT TO SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND OR DESCRIPTION.
Any limitation of liability concerning the mobile application is found on the application’s end user license agreement found here.
Nav.it is hosted on servers maintained by other people, much like almost everyone else with a website or application. We, therefore, cannot be and are not responsible to you for any server outages or downtime, any buffering problems, or any delay, damage, or failure caused by or occasioned by any act of God, act of nature or the elements, terrorism, insurrection, revolution or civil strife, piracy, civil war or hostile action, labor strikes, acts of public enemies, federal or state laws, rules and regulations of any governmental authorities having jurisdiction over the premises, inability to procure material, equipment, or necessary labor in the open market, acute and unusual labor, material, or equipment shortages, or any other causes beyond the control of Nav.it, (Collectively, an “Force Majeure Event”). Delays due to any of the above causes shall not be deemed to be a breach of or failure to perform under this Agreement. Nav.it shall not be required against its will to provide refunds or make any adjustments except in accordance with applicable law.
ASSIGNMENT OF RIGHTS
Nav.it may assign its rights under this Agreement at any time, without notice to You. Your rights arising under this Agreement cannot be assigned by without Nav.it’s or its assigns express written consent, particularly if you have paid for coaching or classes. For example, you “selling” your username and password or otherwise sharing your password all over town. If we notice tons of IP addresses using the same log in, we expressly reserve the right to cancel or suspend your access to the materials or content on thisApplication.
INFORMATION; REGISTRATION; USER NAMES AND PASSWORDS
You are fully responsible for all transactions with, and information conveyed to, Nav.it under Your Account, if you have one. You agree to immediately notify Nav.it of any unauthorized use of Your password or User name or any other breach of security related to Your account. You agree that Nav.it is not liable, and You will hold Nav.it harmless, for any loss or damage arising from Your failure to comply with any of the foregoing obligations.
If You have any questions or complaints concerning any of the Terms, You may contact Nav.it by e-mail email@example.com or by regular mail at:
3131 Western Ave #M530, Seattle, WA 98121
California residents, under California Civil Code Section 1789.3, may also reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.
ARBITRATION, GOVERNING LAW, AND ATTORNEYS’ FEES
This Agreement shall be governed, construed, and interpreted in accordance with the laws of the State ofWashington without regard to any choice of law provisions.
Litigation sucks, so you agree that in the event of any arbitration or litigation, each Party will each bear its own costs and attorneys’ fees, regardless of who is deemed the prevailing party. The foregoing notwithstanding, if either You or Nav.it commences an action in a court of law or equity and the responding Party successfully moves such court to compel arbitration, the Party who moved for the order compelling arbitration shall be entitled to recover its reasonable costs and attorneys’ fees incurred on the motion to compel from the other Party.
CHANGES TO TERMS
Nav.it reserves the right to change these Terms, in whole or in part, from time to time at Nav.it’s sole and absolute discretion, and to provide You with notice of such change by any reasonable means, including without limitation posting revised Terms.
By Your continued use of Nav.it’sApplication, unless You expressly terminate this Agreement in writing firstname.lastname@example.org. You are agreeing to any subsequent changes to the Terms.
If any Term set forth herein is deemed unenforceable under any applicable law, the remaining Terms shall remain in full force and effect and these Terms shall be read, collectively, as if the unenforceable Term(s) were omitted.
No waiver by Nav.it of any breach or default of these Terms will be deemed to be a waiver of any preceding or subsequent breach or default.
Any heading, caption or section title contained herein is inserted only as a matter of convenience, and in no way defines or explains any section or provision hereof.
Any notice required to be given to Nav.it under or related to these Terms must be in writing, addressed as follows:
Nav.it LLC3131 Western Ave #M530, Seattle, WA 98121
General Support, Compliance, and Inquiries:email@example.com
Notices to You may be made bysending you a message through our application, by e-mail, or by regular mail, at Nav.it’s discretion.
Copyright 2020 - Nav.it - All Rights Reserved