Terms of Service

Terms of Use

This web site is owned and provided by Toadlane LLC and its affiliates. By using this web site, you agree to the following Terms of Use. Please review this information often, as it may change at any time, without notice.

Restrictions on Use

You are authorized to view, copy and print the materials appearing on this web site, subject to the following:

  • Any copy of these materials must include the above copyright notice.
  • You may not use any device, software or action, including but not limited to, bots, spiders, viruses, worms or time bombs, designed to damage or otherwise interfere with the site or to intercept or expropriate any system, data or personal information contained at the site.
  • You will not use the site or related services for chain letters, junk mail, spamming or to engage in illegal activities.
  • You agree that you will not use this site to violate any laws, or conduct any other activity that gives rise to some liability or otherwise harm the goodwill associated with our intellectual property.
  • Toadlane LLC may immediately terminate any or all of your rights to use this site at any time for any reason.

    Intellectual Property Rights

    All communication, postings and uploads to this site become the exclusive property of Toadlane LLC. You may not reproduce, reverse engineer, disassemble, modify or create derivative works from the site. You may not remove any copyright, trademark or other intellectual property or proprietary notice or legend contained on this site or its content.

    Disclaimer of Warranties

    The information contained in this web site may contain errors or inaccuracies and is provided to you “as is” for your informational purposes only, without warranty of any kind, including any implied warranty of merchantability, fitness for a particular purpose or non-infringement. Some jurisdictions do not allow the exclusion of implied warranties so the above exclusion does not apply to you.

    In no event will Toadlane LLC be liable to any party for any direct, indirect, special or other consequential damages relating to or arising out of the use of this website including specifically any lost profits, business interruption or loss of data, even if Toadlane LLC is expressly advised about the possibility of such damages.

    Toadlane LLC will consult with the appropriate enforcement agency prior to making changes or improvements to the information displayed on this web site, or to the products or services described herein.

    Indemnification

    You agree to indemnify, defend and hold harmless Toadlane LLC, its affiliates, officers, directors, employees, consultants and agents from any and all third party claims, liability damages and/or costs (including without limitation attorneys fees) arising from: (i) your use of the site and any of our related services, (ii) your violation of these Terms; and (iii) intentional wrongdoing of any kind. Toadlane LLC reserves the right, at our expense, to participate in the defense or settlement process. Toadlane LLC further reserves the right to report any wrongdoing that we become aware of to any government agency.

    Links

    This web site may contain links to other web sites which are not under the control of Toadlane LLC. These links are provided only for the users convenience and Toadlane LLC is not responsible for the contents or transmission of any web site to which a link is provided. Toadlane LLC does not endorse any such web sites and does not make any representation that they are error or virus free. The disclaimer of warranties above also applies to any linked web site.

    Verification of identity

    Toadlane LLC may from time to time require proof, to its satisfaction, of the identity of yourself and any person authorised to operate your account(s).

    Your Account

    You will need to register by creating an account with Toadlane LLC (an “Account”) in order to obtain access to certain Services. If you choose to create an Account, you agree to provide only accurate, complete registration information, and you will keep that information up-to-date if it changes. When you register, you will obtain and create unique log-in credentials (“User IDs”). Access to the Toadlane LLC Site and Services is not authorized by any other person or entity using your User ID and you are responsible for preventing such unauthorized use. Individuals and entities whose privilege to access the Site or use the Services has previously been terminated by Toadlane LLC may not register for an Account, nor may you designate any of those individuals to use your Account on your behalf.

    Toadlane LLC relies on User IDs to know whether users accessing the Site and using our Services are authorized to do so. If someone accesses our Site or Services using a User ID that we have issued to you, we will rely on that User ID and will assume that access has been made by you. You are solely responsible for any and all access to the Site or use of the Services by persons using your User ID. Please notify us immediately if you become aware that your User ID is being used without authorization.

    Copyright Notice-Digital Millennium Copyright Act

    We respect the intellectual property of others, and we ask you to do the same. If you are a copyright owner or an owner's agent and find any content on the Sites and/or Services that infringes upon your copyrights, you may submit a notification according to the Digital Millennium Copyright Act (“DMCA”). To do so, please provide our DMCA/Copyright Agent with the following information in writing: (i) A signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; (ii) Identification of the copyrighted work(s) claimed to have been infringed; (iii) Identification of the material that is claimed to be infringing and information reasonably sufficient to permit the service provider to locate the material; (iv) Your contact information, including an address, telephone number and, if available, an e-mail address; (v) A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law; and (vi) A statement that the information in the notification is accurate, and, under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. You acknowledge that if you fail to comply with all of the requirements of this Section, your DMCA notice may not be valid. Contact information for Toadlane LLC’s Copyright Agent for notice of claims of copyright infringement is as follows: Toadlane LLC, Attention: hello@toadlane.com.

    Refunds

    A refund is determined by you and the applicable merchant under contract. Toadlane LLC cannot be held liable for refunds.

    We want you to be happy with your Toadlane LLC experience. If You have trouble redeeming Your purchase for any reason, please contact us at hello@toadlane.com so we can work with the Merchant to resolve your issue.

    Merchant is the Issuer

    The Merchant is the issuer of the purchase and is solely responsible for redeeming the purchase. The Merchant is also solely responsible for all goods and services it provides to you and for any and all injuries, illnesses, damages, claims, liabilities and costs it may cause you to suffer, directly or indirectly, in full or in part, whether related to the use or redemption of a purchase or not, as well as for any unclaimed property liability arising from unredeemed or partially redeemed purchases. Unless otherwise indicated in a Deal or other offer, Toadlane LLC is solely the marketer of the Merchant’s goods or services, and may from time to time engage third parties or affiliates to administer purchase management on behalf of Merchants. You hereby irrevocably waive all rights related to, and release Toadlane LLC and its subsidiaries, affiliates, partners, officers, directors, employees and agents from, any liabilities arising from or related to any act or omission of a Merchant in connection with your use of a purchase or the products and/or services it provides in connection with it.

    Choice of Law Enforcement

    Toadlane LLC controls and operates this site from its offices in Minneapolis, Minnesota, United States of America and makes no representation that the site is appropriate or available for use from other locations. If you use the site from other locations, you are responsible for compliance with applicable local laws. These Terms are governed by the laws of the State of Minnesota, United States of America, notwithstanding its conflicts of law principles. All disputes or claims arising out of the site will be resolved in the state or federal courts located in Minneapolis, Minnesota.

    GP:2448749 v1

    Privacy Policy

    Effective Date: May 22, 2015

    This Privacy Policy discusses what information we collect at www.Toadlane.com and how we use it.

    What information is collected?

    Personal information refers to specific facts used to identify you as an individual. This information includes your telephone number, email address, or other individually identifiable information. We collect personal information at this site only when you supply it to us, such as when you submit your telephone number to receive coupons.

    To learn which areas of our site are most popular, we collect anonymous, non-personal data about the pages you visit through the use of cookies which are small files that are placed on your computers hard drive.

    We may share aggregated demographic information (data that cannot identify any individual person) with our partners and advertisers.

    How is my personal information used or shared?

    When you submit personal information over our web site, the only people who are allowed to see it are those who need access to it in order to prove the information or service you requested. We may need to share your personal information to comply with legal, regulatory or accreditation requirements.

    Specifically, we may use and disclose your personal information for the following purposes:

    • In order to cooperate with law enforcement agencies;
    • To our employees, contractors and partners who provide services to you;
    • To organizations that perform services for us or on our behalf, including, without limitation, to provide customer service; to conduct research, marketing, or data processing; or to provide marketing and promotional services for the site, to the extent that information is necessary.
    • To protect the site and our rights; to protect ourselves against liability or prevent fraudulent activity; or, where necessary, to permit us to pursue available remedies or limit any damages that we may sustain;
    • In connection with the sale, merger, spin-off, or other corporate reorganization, where information is provided to the new controlling entity in the regular course of business;
    • If required to comply with a subpoena, warrant, or any order made by a court, person or body with jurisdiction to compel the production of information, or to comply with the rules or court relating to the production of records; and
    • If we believe in good faith that a law, regulation, rule or guideline requires it.

      External Links

      This site may contain links to web sites operated by third parties. These links are provided solely for convenience and reference purposes only. The inclusion of any link does not imply endorsement by us of the content of any web site to which this web site provides a link, nor are we liable for your reliance on or use of any information or materials contained in them. This Privacy Policy applies only to this web site. Please be aware that we are not responsible for and have no control over the privacy policies and practices of third party sites. We encourage you to read the privacy policies of each and every web site that requests personal information from you.

      Changes to the Privacy Policy

      We may change or supplement this Privacy Policy from time to time and we will post revised versions of this Policy on the site. Privacy Policy changes will apply to the information collected from the date we post the revised Privacy Policy to the site as well as to existing information held by us.

      Fly & Buy

      Electronic Fund Transfers ("EFTs") and Account Balances

      By creating an account with Toadlane LLC and initiating bank deposits or withdraws (i.e. ETFs), you agree to the terms of service and privacy policy of our financial software provider, SynapsePay, and SynapsePay financial institution partner’s Terms of Service & Privacy Policy (“SynapsePay TOS”) which are incorporated herein by reference. Terms not defined in this section shall be defined in SynapsePay TOS.

      We have partnered with SynapsePay, a financial services software company, to offer you Fly & Buy Platform services (e.g. help you pay rent to your landlord). When you sign up for an account with our Platform, you will also be prompted to sign up for a SynapsePay User Account (as define in SynapsePay TOS). You authorize us to share your identity and banking information with SynapsePay to open and support your User Account as further details in our Privacy Policy (hyperlink) and SynapsePay’s Privacy Policy. It is your responsibility to make sure the data you provide us is accurate and complete. Additionally, you are responsible for complying with SynapsePay TOS when using your User Account. It Is Your Responsibility To Read and understand SynapsePay Tos As It Contains terms and conditions relating to your SynapsePay user account including but not limited to Your Rights, Limitations, reversal and other Liabilities, Limitation Of Liability And binding Arbitrations Provisions.

      When you open a SynapsePay User Account, you will link a checking or savings account to perform ETF and, if applicable, deposit funds into your SynapsePay User Account. Deposits into your User Account are held by SynapsePay's financial institution partners as detailed in SynapsePay TOS. DEPOSITS HELD IN A USER ACCOUNT MAY BE ELIGIBLE INSURANCE BY THE FEDERAL DEPOSIT INSURANCE CORPORATION (“FDIC”) ON A PER USER BASIS DEPENDING ON THE RULES AND LIMITATIONS SET FORTH BY THE FDIC. FOR PURPOSES OF APPLICABLE FDIC DEPOSIT INSURANCE LIMITATIONS, DEPOSITS IN ACCOUNTS AT THE FINANCIAL INSTITUTIONAL PARTNER(S) OPENED THROUGH THE FINANCIAL INSTITUTIONAL PARTNER(S) WITH SYNAPSEPAY MAY NOT BE SEPARATELY INSURED FROM ANY OTHER ACCOUNTS YOU MAY HAVE OPENED WITH THE FINANCIAL INSTITUTIONAL PARTNER(S), DEPENDING ON THE NAMED ACCOUNT OWNERS.

      All EFT transactions are performed by and deposits are held by SynapsePay financial institution partner. Toadlane LLC and SynapsePay only transmit transaction instructions to SynapsePay financial institution partner and do not hold deposits in your Synapse User Account. Toadlane LLC will provide you with all transactions notifications and User Account balances in addition to providing customer support relating to your SynapsePay User Account ad detailed below.

      Transactions History and Disputes

      All questions regarding ETF transactions or your Synapse User Account must be directed to hello@toadlane.com or +1 707 223 2270 and not to SynapsePay or its financial institution partners. Toadlane LLC is responsible for resolving issuers and errors relating to transactions and account balances. If you wish to make a financial service complaints against Toadlane LLC, you may email issues@synapsepay.com.

      Bank services are provided by Evolve Bank, Member FDIC, through our banking software provider, SynapseFI. To report a complaint relating to the bank services, email help@synapsefi.com.

      Contact Information

      All questions and concerns about your privacy can be sent to hello@toadlane.com