Terms of Service

Date of Last Revision: June 7, 2016

Welcome to FutureFuel.io!

inspHIRE IO Corp., DBA FutureFuel.io (FutureFuel.io,” “we,” “us,” “our”), provides its services (described below) to you through its website located at www.futurefuel.io (the “Site”) and through its mobile application and related services (collectively, such services, including any new features and applications, and the Site, the “Service”), subject to the following Terms of Service (as amended from time to time, these “Terms of Service”). We reserve the right, in our sole discretion, to change or modify portions of these Terms of Service at any time. You should periodically visit this page to review the current Terms of Service so you are aware of any revisions to which you are bound. If we make any revisions, we will post them on this page and will indicate at the top of this page the date these Terms of Service were last revised. We will also notify you of any material changes, through a pop-up notice,  email notification or through other reasonable means. Any such changes will become effective immediately. Your continued use of the Service after the date any such changes become effective constitutes your acceptance of the new Terms of Service. If you do not agree to abide by these or any future Terms of Service, do not use or access (or continue to use or access) the Service.


In addition, when using certain services made available through the Service, you will be subject to any additional terms applicable to such services that may be posted on the Service or in connection with such services from time to time, including, without limitation, the Privacy Policy located at http://futurefuel.io/privacy-policy. All such terms are hereby incorporated by reference into these Terms of Service. If there is any conflict between such additional terms and these Terms of Service, the additional terms will supplement or amend these Terms of Service, but only with respect to the matters governed by the additional terms.


THESE TERMS OF SERVICE CONTAINS AN ARBITRATION AGREEMENT, WHICH WILL, WITH LIMITED EXCEPTION, REQUIRE YOU TO SUBMIT CLAIMS YOU HAVE AGAINST US TO BINDING AND FINAL ARBITRATION. UNDER THE ARBITRATION AGREEMENT, (1) YOU WILL ONLY BE PERMITTED TO PURSUE CLAIMS AGAINST FUTUREFUEL.IO ON AN INDIVIDUAL BASIS, NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION OR PROCEEDING, AND (2) YOU WILL ONLY BE PERMITTED TO SEEK RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ON AN INDIVIDUAL BASIS.


Access and Use of the Service


Service Description:  Service Description:  The Service is designed to facilitate employers (“Employers”) that wish to create an employee (“Member”) benefit of student loan payments. The Service enables the Employers to enhance its overall compensation package to existing or new eligible Members by disbursing member funds to the student loan servicer of the Member. Additionally, the Service also permits members a method to enhance their student loan payment through the use of everyday financial transactions.


Account Registration:  You may be required to register with FutureFuel.io in order to access and use certain features of the Service. If you choose to register for the Service, you agree to provide and maintain true, accurate, current and complete information about yourself and your accounts maintained at other financial institutions as prompted by the Service’s registration form. You agree to not misrepresent your identity or account information. Registration data and certain other information about you are governed by our Privacy Policy. If you are under 13 years of age, you are not authorized to use the Service, with or without registering.  In addition, if you are under 18 years old (or such other age of majority as may be applicable to your jurisdiction), you may use the Service, with or without registering, only with the approval of your parent or guardian.

Account Verification: By using our Account Verification Service, you authorize FutureFuel and its supplier Quovo, Inc. (“Quovo” or “Supplier”) to access third party sites designated by you, on your behalf, to retrieve information requested by you. For all purposes hereof, you hereby grant FutureFuel and Supplier a limited power of attorney, and you hereby appoint FutureFuel and Supplier as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, 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 such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN FUTUREFUEL OR SUPPLIER ACCESSES AND RETRIEVES INFORMATION FROM THIRD-PARTY SITES, FUTUREFUEL AND SUPPLIER ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that third-party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that the Account Verification Service is not endorsed or sponsored by any third-party account providers accessible through the Account Verification Service. You are licensing to FutureFuel and Supplier any information, data, passwords, materials or other content (collectively, “Content”) you provide through or to the Account Verification Service. FutureFuel and Supplier may use, modify, display, distribute and create new material using such Content to provide the Account Verification Service to you. By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, FutureFuel and Supplier may use the Content for the purposes set out above. As between FutureFuel and Supplier, FutureFuel owns your confidential account information.


Member Account, Password and Security:  You are responsible for maintaining the confidentiality of your password and other account information that you use to access the Service, if any, and are fully responsible for any and all activities that occur under your password or account. You agree to (a) immediately notify FutureFuel.io of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you exit from your account at the end of each session when accessing the Service. FutureFuel.io will not be liable for any loss or damage arising from your failure to comply with your security obligations and this Section.


Modifications to Service:  FutureFuel.io reserves the right to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that FutureFuel.io will not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.


General Practices Regarding Use and Storage:  You acknowledge that FutureFuel.io may establish general practices and limits concerning use of the Service, including without limitation the maximum period of time that data or other content will be retained by the Service and the maximum storage space that will be allotted on FutureFuel’s servers on your behalf. You agree that FutureFuel.io has no responsibility or liability for the deletion or failure to store any data or other content maintained or uploaded by the Service. You acknowledge that FutureFuel.io reserves the right to terminate accounts that are inactive for an extended period of time or for any other reason. You further acknowledge that FutureFuel.io reserves the right to change these general practices and limits at any time, in our sole discretion, with or without notice.


Mobile Services:  The Service includes certain services that are available via a mobile device, including (i) the ability to upload content to the Service via a mobile device, (ii) the ability to browse the Service and the Site from a mobile device and (iii) the ability to access user profiles and certain other features through an application downloaded and installed on a mobile device (collectively, the “Mobile Services”). To the extent you access the Service through a mobile device, your wireless service carrier’s standard charges, data rates and other fees may apply. In addition, downloading, installing, or using certain Mobile Services may be prohibited or restricted by your carrier, and not all Mobile Services may work with all carriers or devices.

Conditions of Use


User Conduct:  You are solely responsible for all code, video, images, information, data, text, software, music, sound, photographs, graphics, messages or other materials (“content”) that you upload, post, publish or display (hereinafter, “upload”) or email or otherwise use via the Service. The following are examples of the kind of content and/or use that is illegal or prohibited by FutureFuel.io. FutureFuel.io reserves the right to investigate and take appropriate legal action against anyone who, in FutureFuel’s sole discretion, violates this provision, including without limitation, removing the offending content from the Service, suspending or terminating the account of such violators and reporting such violators to the law enforcement authorities. You agree to not use the Service to:


1. email or otherwise upload any content that (i) infringes any intellectual property or other proprietary rights of any party; (ii) you do not have a right to upload under any law or under contractual or fiduciary relationships; (iii) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; (iv) poses or creates a privacy or security risk to any person; (v) constitutes unsolicited or unauthorized advertising, promotional materials, commercial activities and/or sales, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” “contests,” “sweepstakes,” or any other form of solicitation; (vi) is unlawful, harmful, threatening, abusive, harassing, tortious, excessively violent, defamatory, vulgar, obscene, pornographic, libelous, invasive of another’s privacy, hateful racially, ethnically or otherwise objectionable; or (vii) in the sole judgment of FutureFuel.io, is objectionable or which restricts or inhibits any other person from using or enjoying the Service, or which may expose FutureFuel.io or its users to any harm or liability of any type;

 

2. interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service; or

 

3. violate any applicable local, state, national or international law, or any regulations having the force of law;

 

4. impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;

 

5. post personally identifying information about others;

 

6. solicit personal information from anyone under the age of 18;

 

7. harvest or collect email addresses or other contact information of other users from the Service by electronic or other means for any  purpose, including for the purpose of sending unsolicited emails or other unsolicited communications;

 

8. advertise or offer to sell or buy any goods or services for any business purpose that is not specifically authorized;

 

9. further or promote any criminal activity or enterprise or provide instructional information about illegal activities; or

 

10. obtain or attempt to access or otherwise obtain any materials or information through any means not intentionally made available or provided for through the Service.

 

Special Notice for International Use; Export Controls:  Software available in connection with the Service and the transmission of applicable data, if any, is subject to United States export controls. No Software may be downloaded from the Service or otherwise exported or re-exported in violation of U.S. export laws. You expressly agree to comply with such restrictions and not to export or re-export any Software to countries or persons prohibited under the U.S. export control laws. By downloading or using any Software, you are expressly agreeing that you are not in a country where such export or use is prohibited or are a person or entity for which such export or use is prohibited. Downloading or using the Software is at your sole risk. Recognizing the global nature of the Internet, you agree to comply with all local rules and laws regarding your use of the Service, including as it concerns online conduct and acceptable content. We make no claims concerning whether Software may be downloaded, viewed, or be appropriate for use outside of the United States. You are solely responsible for your compliance with the laws of your specific jurisdiction regarding the import, export, or re-export of any Software.



Commercial Use Not Permitted:  Unless otherwise expressly authorized herein or in the Service, you agree not to display, distribute, license, perform, publish, reproduce, duplicate, copy, create derivative works from, modify, sell, resell, exploit, transfer or upload for any commercial purposes, any portion of the Service, use of the Service, or access to the Service. The Service is for your personal use.

Automated Payments from Your Bank Account Overview. You can use our Services to help you automate transfers loan from your checking account to your loan servicer with funds from your bank account. You can make a one-time payment or you can sign up for automatic recurring payments or transfers. We have partnered with an unaffiliated third-party financial institution (“Bank Partner”) to provide this feature of the Service (this “Feature”). To use this Feature, you must link, successfully verify, and maintain a U.S. bank account from which your payments may be debited (“Funding Account”). A Funding Account may include only a checking account and you must also designate an account of your loan servicer to which funds may be sent (“Recipient”).

 

You may authorize FutureFuel to pull money from your Funding Account to a Recipient by entering payment instructions on our Service authorizing (1) a one-time transfer from your Funding Account to a designated Recipient, or (2) a recurring series of preauthorized ACH transfers to a designated Recipient based on “Rules” that you set within the Service.

 

When you authorize a payment, funds will be withdrawn from your Funding Account. Funds withdrawn from your Funding Account are held in a pooled account established by, and held at, the Bank Partner. These funds are later transferred from the pooled account to your designated Recipient. It is important you understand that you do not have access to, or control over, the pooled account. The pooled account does not pay you interest. Funds held in the pooled account are not eligible for Federal Deposit Insurance Corporation insurance.

 

We may offer you our Services, including this Feature, through our Bank Partner and one or more service providers we engage to render some or all of our Services to you. You agree that we have the right under these Terms to delegate to our Bank Partner and service providers some or all of the rights and performance obligations we have under these Terms, and that our Bank Partner and service providers will be entitled to all the rights and protections that these Terms provide to us. You authorize us to share any information you provide or we obtain relating to this Feature with our Bank Partner or any other party we use to provide this Feature. We may change bank partners or other parties we use to provide our Services.

 

 

Authorization. When you initiate a payment using this Feature, you authorize us and our Bank Partner to debit your Funding Account for the amount of your request. You also authorize us and our Bank Partner to initiate payments to your designated Recipient.

 

 

Limits. We may set a maximum dollar amount or frequency limitations on payments or other restrictions if we reasonably believe restrictions are necessary or advisable for security reasons or to prevent misuse, fraud or an illegal act. You may not use our Services to transfer funds outside of the U.S. The financial institution that holds your Funding Account or Recipient’s account may impose dollar amount, frequency or velocity limitations on your ability to withdraw, transfer, or deposit funds. We are not liable for our inability to complete a transaction due to any such limitation.

 

 

Timing. To help ensure that there is enough time for funds to be delivered to the Recipient per your instructions, we may impose a “cutoff time” by which time you must authorize the payment.

 

 

Stopping Payments. Your authorization to transfer funds or make a payment will remain in effect unless you timely notify us that you wish to revoke your authorization. Once you have authorized a transaction, we cannot guarantee that you may cancel the transaction, that we can reverse the transaction, or that we can provide you a refund, except as required by law. If you wish to revoke your authorization for a preauthorized, recurring transfer, you must notify us at least three (3) business days in advance of the scheduled transaction by contacting us at support@futurefuel.io or by cancelling the transaction within the Service.

 

 

Questions, Errors, Lost Credentials. ALL QUESTIONS ABOUT TRANSACTIONS MADE THROUGH THIS FEATURE MUST BE DIRECTED TO US, AND NOT TO THE BANK OR OTHER FINANCIAL INSTITUTION WHERE YOU HAVE YOUR FUNDING ACCOUNT. We are responsible for this Feature and for resolving any errors we caused.

 

You acknowledge and agree that if your payment instructions identify an account by name and account number, those payment instructions may be executed by reference to the account number only, even if the account number does not correspond to the account name. You further acknowledge and agree that financial institutions holding the account may choose to not investigate discrepancies between account names and account numbers and that we have no responsibility to investigate discrepancies between account names and account numbers.

 

We will not send you a periodic statement listing transactions that you make through this Feature. The transactions will appear on the Funding Account statement issued by your bank or other financial institution. SAVE ANY RECEIPTS OR INFORMATION WE MAKE AVAILABLE TO YOU WHEN YOU USE THIS FEATURE AND CHECK THEM AND YOUR FUTUREFUEL ACCOUNT HISTORY IN THE MOBILE APP AGAINST THE FUNDING ACCOUNT STATEMENT YOU RECEIVE FROM YOUR BANK OR OTHER FINANCIAL INSTITUTION. If you have any questions about one of these transactions, contact us at support@futurefuel.io. IF YOUR CREDENTIALS TO ACCESS THIS FEATURE ARE LOST OR STOLEN, NOTIFY US AT ONCE by writing to us at support@futurefuel.io.

 

You could lose all the money in your Funding Account (plus your maximum overdraft line of credit). If you tell us within 4 business days after you learn of the loss or theft of your credentials, you can lose no more than $50 if someone used your credentials without your permission.If you do NOT tell us within 4 business days after you learn of the loss or theft of your credentials, and we can prove we could have stopped someone from using your credentials without your permission if you had told us, you could lose as much as $500.

 

 

Business Days. For purposes of this section of these Terms, our business days are Monday through Friday. Holidays are not included.

 

 

Unauthorized Transactions. You must notify us immediately if you suspect or believe that a transaction has occurred through this Feature that you did not authorize or if you believe an incorrect amount was authorized. You may contact us at support@futurefuel.io. If your Funding Account statement provided by your financial institution shows payments you did not make, tell us at once. If you do not tell us within 60 days after the statement or history was transmitted or made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as an extended medical incapacity) kept you from telling us, we will extend the time period. If you initially provide information to us by telephone, we may require that you send your complaint or question in writing within 10 business days. You will be asked and are required to provide us with the following information: your name; the email address registered for this Feature; a description (including dollar amount) of the transfer you are unsure about; an explanation of why you believe it is an error or why you need more information; a reference/transaction ID; an explanation why you believe there was an unauthorized transaction or error; and any other information we reasonably request. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we provisionally credit your account and we determine that no error occurred, we may reverse the credit. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

 

For errors involving new accounts, we may take up to 60 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

 

We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you an explanation. You may ask for copies of the documents that we used in our investigation.

 

 

Incomplete Transfers. Except to the extent required by law, we will not be liable for any losses, such as penalty interest, late fees, overdraft fees, and other damages resulting from our failure to complete a transfer. We may not complete a transfer, for instance:

 

  • if you do not have enough money in your Funding Account;
  • if the payment is rejected or returned by the Recipient or financial institution holding the Recipient’s account;
  • if you have provided incorrect information;
  • if the Funding Account is closed or the funds otherwise cannot be accessed by us;
  • if we provided notice that this Feature is unavailable;
  • due to circumstances beyond our control (for example, fire, flood, interference from an outside source or any failure by your computer, software, or Internet connection); or
  • based on other exceptions stated in these Terms

 

If we cannot complete a transfer, you agree that we may reverse any credit we advanced to your Recipient on your behalf, and you agree to indemnify us against any claims arising out of such reversals. If we are unable to reverse an advance made on your behalf, you agree that we may seek repayment from you, as permitted by law, for example by re-initiating a debit from your Funding Account, or offsetting the advance by debiting another account you linked to our your FutureFuel account.

 

 

Confidentiality. We will disclose information to third parties about payments you initiate or make:

 

  • as necessary to complete payments or provide this Feature;
  • in order to verify the existence and condition of your Funding Account for a third party, such as a credit bureau or merchant;
  • in order to comply with government agency or court orders;
  • if you give us your written permission;
  • with our Bank Partner or any other third party we use to provide this Feature; or
  • as provided elsewhere in these Terms.

Notices

You agree that we may provide notices to you by electronic means, for example, by posting it on our website, sending you an in-app message, emailing it to an email address that you have provided us, mailing it to any postal address that you have provided us, or by sending it as a text message to any mobile phone number that you have provided us. All notices by any of these methods will be deemed received by you no later than the earlier of when received or 24 hours after sent or posted, except for notice by postal mail, which will be deemed received by you no later than the earlier of when received or 3 business days after it is mailed.

 

Intellectual Property Rights


Service Content, Software and Trademarks:  You acknowledge and agree that the Service may contain content or features that are protected by copyright, patent, trademark, trade secret or other proprietary rights and laws (“Service Content”). Except as expressly authorized by FutureFuel.io, you agree not to modify, copy, frame, scrape, rent, lease, loan, sell, distribute or create derivative works based on the Service or the Service Content, in whole or in part, except that the foregoing does not apply to your own User Content (as defined below) that you legally upload to the Service. You may not remove or alter any proprietary notices or marks on the Service or any portion thereof. In connection with your use of the Service you will not engage in or use any data mining, robots, scraping or similar data gathering or extraction methods. Any use of the Service or the Service Content other than as specifically authorized herein is strictly prohibited. The technology and software underlying the Service or distributed in connection therewith are the property of FutureFuel.io, our affiliates and our partners (the “Software”). You agree not to copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, or otherwise transfer any right in the Software. Any rights not expressly granted herein are reserved by FutureFuel.io.


The FutureFuel.io, inspHIRE, and other names and logos, are trademarks and service marks of FutureFuel.io (collectively the FutureFuel.io Trademarks”). Other FutureFuel.io product and service names and logos used and displayed via the Service may be trademarks or service marks of their respective owners who may or may not endorse or be affiliated with or connected to FutureFuel.io. Nothing in these Terms of Service or the Service should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of FutureFuel.io Trademarks displayed on the Service, without our prior written permission in each instance. All goodwill generated from the use of FutureFuel.io Trademarks will inure to our exclusive benefit.


Third-Party Material:  Under no circumstances will FutureFuel.io be liable in any way for any content or materials of any users or third parties, including, but not limited to, for any errors or omissions in any content, or for any loss or damage of any kind incurred as a result of the use of any such content. You acknowledge that FutureFuel.io does not pre-screen content provided by users or third parties, but that FutureFuel.io and its designees will have the right (but not the obligation) in their sole discretion to refuse or remove any content that is available via the Service. Without limiting the foregoing, FutureFuel.io and its designees will have the right to remove any content that violates these Terms of Service or is deemed by FutureFuel.io, in its sole discretion, to be otherwise objectionable. You agree that you must evaluate, and bear all risks associated with, the use of any content, including any reliance on the accuracy, completeness, or usefulness of such content.


User Content Transmitted Through the Service:  With respect to the content or other materials you upload through the Service or share with other users or recipients (collectively, “User Content”), you represent and warrant that you own all right, title and interest in and to such User Content, including, without limitation, all copyrights and rights of publicity contained therein , or that you otherwise have the right to grant the license set forth in this paragraph. You also acknowledge and agree that any User Content you upload to your user profile on the Service, including, without limitation, any personal information, will be made available to any registered user of the Service, and we are not responsible for how others may use it. Such User Content is provided by you on a non-confidential basis. You are solely responsible for User Content and you retain all rights in User Content not expressly granted in these Terms of Service. By uploading any User Content you hereby grant and will grant FutureFuel.io, its affiliates, licensors and agents and its and their officers, employees, directors and agents (the FutureFuel.io Parties”) a nonexclusive, worldwide, royalty free, fully paid up, transferable, sublicensable, perpetual, irrevocable license to copy, display, upload, perform, distribute, store, modify and otherwise use your User Content in connection with the operation of the Service or the promotion, advertising or marketing thereof in any form, medium or technology now known or later developed.


You acknowledge and agree that any questions, comments, suggestions, ideas, feedback or other information about the Service (“Submissions”), provided by you to FutureFuel.io are non-confidential and FutureFuel.io will be entitled to the unrestricted use and dissemination of these Submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you.


You acknowledge and agree that FutureFuel.io may preserve content and may also disclose content, including but not limited to User Content, if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process, applicable laws or government requests; (b) enforce these Terms of Service; (c) respond to claims that any content violates the rights of third parties; or (d) protect the rights, property, or personal safety of FutureFuel.io, its users and the public. You understand that the technical processing and transmission of the Service, including your content, may involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.


Copyright Complaints:  FutureFuel.io respects the intellectual property of others, and we ask our users to do the same. If you believe that your work has been copied in a way that constitutes copyright infringement, or that your intellectual property rights have been FutureFuel.io otherwise violated, you should notify FutureFuel.io of your infringement claim in accordance with the procedure set forth below.


Future Fuel will process and investigate notices of alleged infringement and will take appropriate actions under the Digital Millennium Copyright Act (“DMCA”) and other applicable intellectual property laws with respect to any alleged or actual infringement. A notification of claimed copyright infringement should be emailed to FutureFuel’s Copyright Agent at complaints@futurefuel.io (Subject line:  “DMCA Takedown Request”).


You may also contact us by mail at:


inspHIRE IO Corp.
FutureFuel.io, P.O. BOX 8520 La Verne, CA 91750-9998


To be effective, the notification must be in writing and contain the following information:


  • an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;
  • a description of the copyrighted work or other intellectual property that you claim has been infringed;
  • a description of where the material that you claim is infringing is located on the Service, with enough detail that we may find it on the Service;
  • your address, telephone number, and email address;
  • a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright or intellectual property owner, its agent, or the law;
  • a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner’s behalf.



Counter-Notice:  If you believe that your User Content that was removed (or to which access was disabled) is not infringing, or that you have the authorization from the copyright owner, the copyright owner’s agent, or pursuant to the law, to upload and use the content in your User Content, you may send a written counter-notice containing the following information to the Copyright Agent:


  • your physical or electronic signature;
  • identification of the content that has been removed or to which access has been disabled and the location at which the content appeared before it was removed or disabled;
  • a statement that you have a good faith belief that the content was removed or disabled as a result of mistake or a misidentification of the content; and
  • your name, address, telephone number, and email address, a statement that you consent to the jurisdiction of the federal court located within Suffolk County, Massachusetts, and a statement that you will accept service of process from the person who provided notification of the alleged infringement.



If a counter-notice is received by the Copyright Agent, FutureFuel.io will send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed content or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the content provider, member or user, the removed content may be replaced, or access to it restored, in 10 to 14 business days or more after receipt of the counter-notice, at our sole discretion.


Repeat Infringer Policy:  In accordance with the DMCA and other applicable law, FutureFuel.io has adopted a policy of terminating, in appropriate circumstances and at FutureFuel’s sole discretion, users who are deemed to be repeat infringers. FutureFuel.io may also at its sole discretion limit access to the Service and/or terminate the memberships of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.


Third-Party Websites


The Service may provide, or third parties may provide, links or other access to other sites and resources on the Internet. In particular, the Service may provide links or other access to third-party sources that provide information on a Member’s professional and academic background or an Employer’s organization. FutureFuel.io has no control over and is not responsible such sites and resources, and links to such sites and resources do not indicate FutureFuel’s endorsement of or affiliation with such sites and resources. You further acknowledge and agree that FutureFuel.io will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any content, events, goods or services available on or through any such site or resource. Any dealings you have with third parties found while using the Service are between you and the third party, and you agree that FutureFuel.io is not liable for any loss or claim that you may have against any such third party.


Social Networking Services


We may offer you the opportunity to enable or log in to the Service via various online third-party services, such as social media and social networking services like Facebook or LinkedIn (“Social Networking Services”). You are in no way obligated to use any Social Networking Services in connection with the Service. By integrating these Social Networking Services into the Service, we make your online experiences richer and more personalized. To take advantage of this feature and its capabilities, we may ask you to authenticate, register for or log into Social Networking Services on the websites of their respective providers. As part of such integration, the Social Networking Services will provide us with access to certain information that you have provided to such Social Networking Services, and we will use, store and disclose such information in accordance with our Privacy Policy. For more information about the implications of activating these Social Networking Services and FutureFuel’s use, storage and disclosure of information related to you and your use of such services within FutureFuel.io (including your professional connections lists and the like), please see our Privacy Policy. If you opt to integrate or use Social Networking Services with the Service, such Social Networking Services may gain access to certain information that you have provided to us, including personally identifiable information. Please remember that the manner in which Social Networking Services use, store and disclose your information is governed solely by the policies of such third parties, and FutureFuel.io shall have no liability or responsibility for the privacy practices or other actions of any third-party site or service that may be enabled within the Service.


In addition, FutureFuel.io is not responsible for the accuracy, availability or reliability of any information, content, goods, data, opinions, advice or statements made available in connection with Social Networking Services. As such, FutureFuel.io is not liable for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Social Networking Services. FutureFuel.io enables these features merely as a convenience and the integration or inclusion of such features does not imply an endorsement or recommendation of any Social Networking Service.


Electronic Notices


By using the Service, you agree that we may communicate with you electronically via email regarding security, privacy and administrative issues relating to your use of the Service. If we learn of a security system’s breach, we may attempt to notify you electronically by posting a notice on the Service or sending an email to you. You may have a legal right to receive this notice in writing. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice), please notify us at MemberServices@futurefuel.io.


Indemnity and Release


You agree to release, indemnify and hold the FutureFuel.io Parties harmless from any and all losses, damages, expenses, including reasonable attorneys’ fees, rights, claims, actions of any kind and injury (including death) arising out of or relating to your use of the Service, any User Content, your connection to the Service, your violation of these Terms of Service or your violation of any rights of another; provided, that, the foregoing indemnity shall not apply to the extent any claims arise out of the applicable Indemnitee’s acts or omissions. If you are a resident of New Jersey, this section is intended to be only as broad and inclusive as is permitted under New Jersey law. If any portion of this section is held to be invalid under New Jersey law, the invalidity of such portion shall not affect the validity of the remaining portions of this section. If you are a California resident, you waive California Civil Code Section 1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.” If you are a resident of another jurisdiction, you waive any comparable statute or doctrine.


Disclaimer of Warranties


YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. FUTUREFUEL.IO EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.


FUTUREFUEL.IO MAKES NO WARRANTY THAT (I) THE SERVICE WILL MEET YOUR REQUIREMENTS, (II) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (III) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE, OR (IV) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS. IN PARTICULAR, IF YOU ARE A RESIDENT OF NEW JERSEY, THIS SECTION IS INTENDED TO BE ONLY AS BROAD AND INCLUSIVE AS IS PERMITTED UNDER NEW JERSEY LAW. IF ANY PORTION OF THIS SECTION IS HELD TO BE INVALID UNDER NEW JERSEY LAW, THE INVALIDITY OF SUCH PORTION SHALL NOT AFFECT THE VALIDITY OF THE REMAINING PORTIONS OF THIS SECTION .


FUTUREFUEL.IO DOES NOT EMPLOY, RECOMMEND OR ENDORSE ANY MEMBER OR EMPLOYER, NOR IS IT RESPONSIBLE FOR THE CONDUCT OF ANY MEMBER OR EMPLOYER. FUTUREFUEL.IO PROVIDES THE SERVICE ONLY TO PROVIDE INFORMATION AND TOOLS TO HELP MEMBERS AND EMPLOYERS CONNECT AND MAKE THEIR OWN INFORMED DECISIONS. FUTUREFUEL.IO IS NOT AN EMPLOYMENT AGENCY OR LOAN PROVIDER. WHILE EMPLOYERS ON OUR SITE HAVE EXPRESSED AN INTEREST IN ASSISTING MEMBERS IN PAYING OFF STUDENT DEBT AS PART OF THEIR COMPENSATION PACKAGE UPON HIRE, FUTUREFUEL.IO MAKES NO GUARANTEES AND THE TERMS OF ANY SUCH COMPENSATION PACKAGE ARE SOLELY TO BE NEGOTIATED BETWEEN THE MEMBERS AND EMPLOYERS. FUTUREFUEL.IO IS NOT LIABLE FOR ANY DAMAGES OR LOSSES INCURRED RELATED TO THE PROVISION, OR FAILURE TO PROVIDE OR OTHERWISE PAY FOR, ANY STUDENT DEBT REPAYMENT AGREEMENTS BETWEEN OR AMONG USERS. FUTUREFUEL.IO IS UNDER NO OBLIGATION TO BECOME INVOLVED IN DISPUTES BETWEEN ANY EMPLOYERS, MEMBERS, OR BETWEEN EMPLOYERS, MEMBERS AND ANY THIRD PARTY ARISING IN CONNECTION WITH THE USE OF THE SERVICE. THIS INCLUDES, BUT IS NOT LIMITED TO, DELIVERY OF GOODS AND SERVICES, AND ANY OTHER TERMS, CONDITIONS, WARRANTIES, OR REPRESENTATIONS ASSOCIATED WITH STUDENT DEBT REPAYMENT AND EMPLOYMENT AGREEMENTS OFFERED BY OR AMONG ANY EMPLOYERS OR MEMBERS. FUTUREFUEL.IO DOES NOT OVERSEE THE PERFORMANCE, QUALITY OR SUBSTANCE OF ANY SUCH AGREEMENTS. FUTUREFUEL.IO DOES NOT ENDORSE ANY SUBMISSIONS BY MEMBERS OR EMPLOYERS. YOU HEREBY RELEASE THE FUTUREFUEL.IO PARTIES, AND SUCCESSORS IN RIGHTS FROM CLAIMS, DAMAGES, AND DEMANDS OF EVERY KIND, KNOWN OR UNKNOWN, SUSPECTED OR UNSUSPECTED, DISCLOSED OR UNDISCLOSED, ARISING OUT OF OR IN ANY WAY RELATED TO ANY SUCH DISPUTES AND YOUR USE OF THE SERVICE.


Limitation of Liability


YOU EXPRESSLY UNDERSTAND AND AGREE THAT FUTUREFUEL.IO WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY DAMAGES, OR DAMAGES FOR LOSS OF PROFITS INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF FUTUREFUEL.IO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, RESULTING FROM: (I) THE USE OR THE INABILITY TO USE THE SERVICE; (II) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (IV) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (V) ANY OTHER MATTER RELATING TO THE SERVICE. IN NO EVENT WILL FUTUREFUEL’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OF ACTION EXCEED ONE HUNDRED DOLLARS ($100).


SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU. IN PARTICULAR, IF YOU ARE A RESIDENT OF NEW JERSEY, THIS SECTION IS INTENDED TO BE ONLY AS BROAD AND INCLUSIVE AS IS PERMITTED UNDER NEW JERSEY LAW. IF ANY PORTION OF THIS SECTION IS HELD TO BE INVALID UNDER NEW JERSEY LAW, THE INVALIDITY OF SUCH PORTION SHALL NOT AFFECT THE VALIDITY OF THE REMAINING PORTIONS OF THIS SECTION. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICE OR WITH THESE TERMS OF SERVICE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SERVICE.


Dispute Resolution By Binding Arbitration:


PLEASE READ THIS SECTION CAREFULLY AS IT AFFECTS YOUR RIGHTS.


    1. Agreement to Arbitrate:  This Section entitled “Dispute Resolution By Binding Arbitration” is referred to in these Terms of Service as the “Arbitration Agreement.” You agree that any and all disputes or claims that have arisen or may arise between you and FutureFuel.io, whether arising out of or relating to these Terms of Service (including any alleged breach thereof), the Service, any advertising, any aspect of the relationship or transactions between us, shall be resolved exclusively through final and binding arbitration, rather than a court, in accordance with the terms of this Arbitration Agreement, except that you may assert individual claims in small claims court, if your claims qualify. Further, this Arbitration Agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies, and such agencies can, if the law allows, seek relief against us on your behalf. You agree that, by entering into these Terms of Service, you and FutureFuel.io are each waiving the right to a trial by jury or to participate in a class action. Your rights will be determined by a neutral arbitrator, not a judge or jury. The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement.


    1. Prohibition of Class and Representative Actions and Non-Individualized ReliefYOU AND FUTUREFUEL.IO AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND FUTUREFUEL.IO AGREE OTHERWISE, THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON’S OR PARTY’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF (INCLUDING MONETARY, INJUNCTIVE, AND DECLARATORY RELIEF) ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY’S INDIVIDUAL CLAIM(S).  


    1. Pre-Arbitration Dispute Resolution:  FutureFuel.io is always interested in resolving disputes amicably and efficiently, and most customer concerns can be resolved quickly and to the customer’s satisfaction by emailing customer support at MemberServices@futurefuel.io. If such efforts prove unsuccessful, a party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to FutureFuel.io should be sent to inspHIRE IO, FutureFuel.io, P.O. BOX 8520, La Verne, CA 91750-9998 (“Notice Address”). The Notice must (i) describe the nature and basis of the claim or dispute and (ii) set forth the specific relief sought. If FutureFuel.io and you do not resolve the claim within sixty (60) calendar days after the Notice is received, you or FutureFuel.io may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by FutureFuel.io or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or FutureFuel.io is entitled.


  1. Arbitration Procedures:  Arbitration will be conducted by a neutral arbitrator in accordance with the American Arbitration Association’s (“AAA”) rules and procedures, including the AAA’s Supplementary Procedures for Consumer-Related Disputes (collectively, the “AAA Rules”), as modified by this Arbitration Agreement. For information on the AAA, please visit its website, http://www.adr.org. Information about the AAA Rules and fees for consumer disputes can be found at the AAA’s consumer arbitration page, http://www.adr.org/consumer_arbitration. If there is any inconsistency between any term of the AAA Rules and any term of this Arbitration Agreement, the applicable terms of this Arbitration Agreement will control unless the arbitrator determines that the application of the inconsistent Arbitration Agreement terms would not result in a fundamentally fair arbitration. The arbitrator must also follow the provisions of these Terms of Service as a court would. All issues are for the arbitrator to decide, including, but not limited to, issues relating to the scope, enforceability, and arbitrability of this Arbitration Agreement.  Although arbitration proceedings are usually simpler and more streamlined than trials and other judicial proceedings, the arbitrator can award the same damages and relief on an individual basis that a court can award to an individual under the Terms of Service and applicable law. Decisions by the arbitrator are enforceable in court and may be overturned by a court only for very limited reasons.



Unless FutureFuel.io and you agree otherwise, any arbitration hearings will take place in a reasonably convenient location for both parties with due consideration of their ability to travel and other pertinent circumstances. If the parties are unable to agree on a location, the determination shall be made by AAA.  If your claim is for $10,000 or less, FutureFuel.io agrees that you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your claim exceeds $10,000, the right to a hearing will be determined by the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the award is based.


    1. Costs of Arbitration:  Payment of all filing, administration, and arbitrator fees (collectively, the “Arbitration Fees”) will be governed by the AAA Rules, unless otherwise provided in this Arbitration Agreement. If the value of the relief sought is $25,000 or less, at your request, FutureFuel.io will pay all Arbitration Fees. If the value of relief sought is more than $25,000 and you are able to demonstrate to the arbitrator that you are economically unable to pay your portion of the Arbitration Fees or if the arbitrator otherwise determines for any reason that you should not be required to pay your portion of the Arbitration Fees, FutureFuel.io will pay your portion of such fees. In addition, if you demonstrate to the arbitrator that the costs of arbitration will be prohibitive as compared to the costs of litigation, FutureFuel.io will pay as much of the Arbitration Fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. Any payment of attorneys’ fees will be governed by the AAA Rules.


    1. Confidentiality:  All aspects of the arbitration proceeding, and any ruling, decision, or award by the arbitrator, will be strictly confidential for the benefit of all parties.


    1. Severability:  Without limiting the severability provision below in these Terms of Service, if a court or the arbitrator decides that any term or provision of this Arbitration Agreement other than Section (b) above is invalid or unenforceable, the parties agree to replace such term or provision with a term or provision that is valid and enforceable and that comes closest to expressing the intention of the invalid or unenforceable term or provision, and this Arbitration Agreement shall be enforceable as so modified. If a court or the arbitrator decides that any of the provisions of Section (b) is invalid or unenforceable, then the entirety of this Arbitration Agreement shall be null and void. The remainder of the Terms of Service will continue to apply.


  1. Future Changes to Arbitration Agreement:  Notwithstanding any provision in these Terms of Service to the contrary, FutureFuel.io agrees that if it makes any future change to this Arbitration Agreement (other than a change to the Notice Address) while you are a user of the Services, you may reject any such change by sending FutureFuel.io written notice within thirty (30) calendar days of the change to the Notice Address provided above. By rejecting any future change, you are agreeing that you will arbitrate any dispute between us in accordance with the language of this Arbitration Agreement.



Termination


You agree that FutureFuel.io, in its sole discretion, may suspend or terminate your account (or any part thereof) or use of the Service for lack of use or if FutureFuel.io believes that you have violated or acted inconsistently with the letter or spirit of these Terms of Service. Any suspected fraudulent, abusive or illegal activity that may be grounds for termination of your use of Service, may be referred to appropriate law enforcement authorities. FutureFuel.io may also in its sole discretion and at any time discontinue providing the Service, or any part thereof, with or without notice. You agree that any termination of your access to the Service under any provision of these Terms of Service may be effected without prior notice, and acknowledge and agree that FutureFuel.io may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or the Service. Further, you agree that FutureFuel.io will not be liable to you or any third party for any termination of your access to the Service.


You may terminate your account at any time and for any reason by notifying us via email at info@futurefuel.io. Termination of your account will be effective within a commercially reasonable time after we receive notification from you.


You understand that your User Content may remain on the Service at FutureFuel’s discretion following the termination of your account unless you expressly request the removal of such User Content by contacting us at MemberServices@futurefuel.io. You understand that such content may remain on publicly viewable areas of the Service if other users have posted or reposted it, and that your User Content may remain on our servers or in our records after it is no longer viewable by other users of the Service.


User Disputes


You agree that you are solely responsible for your interactions with any other user in connection with the Service and FutureFuel.io will have no liability or responsibility with respect thereto. FutureFuel.io reserves the right, but has no obligation, to become involved in any way with disputes between you and any other user of the Service.


U.S. Government Restricted Rights


The Service and Software are provided with “RESTRICTED RIGHTS.” Use, duplication, or disclosure by the Government is subject to the restrictions contained in 48 CFR 52.227-19 and 48 CFR 252.227-7013 et seq. or its successor. Use of the Service or Software by the Government constitutes acknowledgement of our proprietary rights in the Service and Software.


General


These Terms of Service constitute the entire agreement between you and FutureFuel.io and govern your use of the Service, superseding any prior agreements between you and FutureFuel.io with respect to the Service. You also may be subject to additional terms and conditions that may apply when you use affiliate or third-party services, third-party content or third-party software. These Terms of Service will be governed by the laws of the Commonwealth of Massachusetts without regard to its conflict of law provisions. With respect to any disputes or claims not subject to arbitration, as set forth above, you and FutureFuel.io agree to submit to the personal and exclusive jurisdiction of the state and federal courts located within Boston, Massachusetts. The failure of FutureFuel.io to exercise or enforce any right or provision of these Terms of Service will not constitute a waiver of such right or provision. If any provision of these Terms of Service is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these Terms of Service remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or these Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred. A printed version of these Terms of Service and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You may not assign these Terms of Service without the prior written consent of FutureFuel.io, but FutureFuel.io may assign or transfer these Terms of Service, in whole or in part, without restriction. The section titles in these Terms of Service are for convenience only and have no legal or contractual effect. Notices to you may be made via either email or regular mail. The Service may also provide notices to you of changes to these Terms of Service or other matters by displaying notices or links to notices generally on the Service.


Your Privacy


At FutureFuel.io, we respect the privacy of our users. For details please see our Privacy Policy. By using the Service, you consent to our collection and use of personal data as outlined therein.


Complaints About Our Service 

If you have a complaint about our Service, please contact us via email at complaints@futurefuel.io.

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