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CONSUMER TERMS OF USE

This document is part of an agreement between you and Financial Business Systems, Inc. (together with its affiliates, "FBS" or "we") regarding the use of the Spark Platform, the Spark Store ("Store"), the App Bar ("App Bar"), and the Spark Platform's associated software and services(collectively the "Platform"), along with any applications ("Applications")that are marketed and sold on the Store by application developers("Developers"). Before you use the Platform or any Applications made available through it, please read these Terms of Use and all other rules and policies related to the Platform (collectively, the "Terms of Use").

BY CHECKING THE BOX TO ACCEPT OR BY USING THE PLATFORM, APP BAR, STORE OR OTHER FBS OR SPARK PLATFORM SERVICES, INCLUDING BY USING ANY APPLICATION IN THE PLATFORM, YOU ARE AGREEING TO BE BOUND BY THESE TERMS OF USE.

  1. Credentials. Certain Applications may provide additional functionality to credentialed users, such as data provided through Virtual Office Website ("VOW") services. If you are a credentialed user, you represent and warrant that any user credentials or other information you present or use in the Platform or with any Application will be true, current and accurate, and you will not access MLS Content or Applications with false or inaccurate credentials or credentials not provided by a value Member of an MLS whose content you seek to access. You shall not share or lend your credentials to any third party. You may need to enter to a separate agreement to obtain VOW or other user credentials. You shall remain in compliance with any separate agreement or terms under which you obtained credentials while this Agreement remains in effect.
  2. Access to the Platform and MLS Content. MLS Members may provide you access to the Platform, Applications or MLS Content only for your bona fide interest in the purchase, sale, or lease of real estate of the type being offered by the Member and provided you remain in compliance with these Terms of Use, including without limitation credentialing requirements in Section 1 above and the restrictions set forth below:
    1. You may not copy, redistribute, or retransmit any of the MLS Content, except in connection with your consideration of the purchase, sale or lease of an individual property;
    2. You shall not share MLS Content with other third parties except as expressly provided under these Terms of Use;
    3. You shall not engage in scraping, harvesting or other type of collection of MLS Content;
    4. You shall abide by any additional rules or limitations regarding use of MLS Content displayed in the Application or contained in a Developer EULA;
    5. You shall provide any assistance reasonably requested by FBS or an MLS in remedying any unauthorized use of MLS Content or the Platform;
    6. You may not reproduce, modify, reverse engineer, disassemble or decompile any binary code, API or other materials and components used in connection with the Platform or MLS Content;
    7. You may not remove or tamper with any security or analytics-related components associated with the Platform, Applications, MLS Content or MLS systems;
    8. You may not rent, lease, lend, upload to or host on any website or server, sell, redistribute or sublicense any Platform service or component, or enable others to do so;
    9. You may not take any action related to the Platform that interferes with, damages, accesses or uses in any unauthorized manner the hardware, software, networks, technologies or other properties or services of FBS or of any end user or other third party;
    10. You may not use the Platform or MLS Content in any manner or for any purpose that violates any law or regulation, any right of any person, including but not limited to intellectual property rights, rights of privacy, or rights of personality; and,
    11. You must comply with any additional restrictions stated in an Application or through the Platform.
  3. Reservation of Rights. Except for the rights explicitly granted to you in this Terms of Use, all right, title and interest in the Platform (including without limitation the Store, App Bar), Applications, and MLS Content are reserved and retained by FBS, Developers, and MLSs, respectively, and you do not acquire any ownership rights as a result of using or accessing the Platform, Applications, or MLS Content.
  4. Platform Management. You understand and agree that FBS and MLS have rights to manage the Platform and Applications and your use thereof, and may at any time, without limitation:
    1. Remove any Application or feature from the Platform;
    2. Provide updates to the Platform from time to time for feature enhancement, security or other purposes;
    3. Terminate your access to any Application, whether previously purchased or subscribed by you or not, without obligation to provide a refund or credit to you. You must contact the Developer regarding refund, credit, or other billing issues;
    4. Terminate your access to the Platform; and,
    5. Rate limit your access to the Platform, Application or MLS Content at any time and in FBS's sole discretion.
  5. Licensing Applications. Application services may be provided to you by an MLS Member, including by licensing to you through the Store at no charge or for an initial or renewable subscription fees, and may also be offered on a free trial or other limited basis (which may restrict permitted time of use or contain other limitations). If you purchase Application services on a subscription basis or start a free trial for such a subscription, your subscription may automatically continue at the regular subscription price unless you elect not to continue the subscription. You may cancel future subscription renewals at any time during your subscription period, after which your subscription shall continue until the end of the currently-paid subscription period and all future billing for that subscription shall cease. From time to time, FBS or MLS may offer sales and other promotions of Application content or services, and may modify or discontinue any of these promotions at any time without notice to you.
  6. Developer License Terms. Most Applications on the Platform are provided by third parties and may be licensed under separate End User License Agreements ("Developer EULAs"). If there is a conflict between the Developer EULAs and these Terms of Use, the provisions of these Terms of Use shall control.
  7. Purchase Transactions. All Purchases of Application services are final. "Purchases" shall be considered to include purchases of upgrades or keys that unlock services, in-app purchase sales, subscription fees or renewals and any sales or exchanges that arise from an Application. You must contact the Developer regarding billing and support issues, including with any requests for refunds. Developer contact information is available in the Store.
  8. Inadvertent Purchases. In the event you inadvertently make a Purchase in the Store, you may cancel the Purchase by making a request in the Store within twenty-four (24) hours of the inadvertent Purchase.
  9. Application Support, Refund Requests Through Developer Only. Developers are solely responsible for support and maintenance of their Applications. FBS and MLS shall have no obligation or responsibility to provide support or maintenance for Applications. You must contact the Developer regarding billing and support issues for any Application, including with requests for refunds. You may find Developers' contact information in the Platform or in the Application.
  10. End User Comments. The Platform provides end users with the ability to provide comments, ratings or other feedback for Applications ("Comments"). You may post such Comments for Applications provided you do not post material that is illegal, obscene, threatening, defamatory, invasive of privacy, infringing of others' intellectual property rights, or otherwise injurious to third parties or objectionable and does not consist of or contain commercial solicitations, chain letters, mass mailings, or any form of "spam." You must post Comments under your own name as an individual or representative of an entity, and may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of a card or other content. You grant FBS a worldwide nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display Comments and your name in connection with such Comments in any way. You represent and warrant that (i) your Comments are your original work or you own or otherwise control all of the rights to Comments that you post; (ii) the Comments represent your personal opinion and are not posted in conjunction with other individuals or entities; (iii) the content of your Comments do not violate this Terms of Use; and (iv) that you will indemnify FBS and MLS for all claims resulting from Comments you post.

    FBS and MLS reserve the right to remove or edit any Comments, though FBS and MLS have no obligation to do so. You understand and agree that FBS and MLS may not regularly review posted Comments, and you may encounter offensive or objectionable content posted by other users. You may contact FBS at support@sparkplatform.com to report any offensive or objectionable content. FBS and MLS may take any actions or decline to act in response to all such requests in its sole discretion.
  11. Mobile/Web Access. You are solely responsible for any mobile data fees and other third-party charges you may incur in connection with your access, download and use of the Platform or Applications.
  12. Third Party Beneficiary (MLS). You acknowledge and agree that MLSs providing MLS Content through Applications under these Terms of Use shall be third party beneficiaries to these Terms of Use and shall be entitled to directly enforce, and rely upon, any provision of these Terms of Use that confers a benefit on (or rights in favor of) them. Other than this, no other person or company shall be third party beneficiaries to these Terms of Use.
  13. Privacy Policy. The Platform and Applications may provide FBS with information regarding your usage of the Platform, Applications and MLS Content. Such information collected may include personally identifiable information. Any information FBS receives may be used or shared with third parties for purposes that include marketing, product improvement, and verification of license compliance, according to FBS's privacy policy available at http://sparkplatform.com/docs/terms_of_use/privacy.
  14. Warranty Disclaimer, Limitation of Liability. YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT USE OF THE PLATFORM AND MLS Content ARE AT YOUR SOLE RISK AND THAT THE ENTIRE RISK AS TO SATISFACTORY QUALITY, PERFORMANCE, ACCURACY AND EFFORT IS WITH YOU. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE PLATFORM AND MLS Content ARE PROVIDED "AS IS" AND WITHOUT WARRANTY OF ANY KIND, AND FBS AND MLS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS, EITHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES AND/OR CONDITIONS OF MERCHANTABILITY, OF SATISFACTORY QUALITY, OF FITNESS FOR A PARTICULAR PURPOSE, OF ACCURACY, OF QUIET ENJOYMENT, AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS. FBS AND MLS FURTHER DO NOT WARRANT AGAINST INTERFERENCE WITH YOUR ENJOYMENT OF THE LICENSED APPLICATION, THAT THE FUNCTIONS OR CONTENT CONTAINED IN THE PLATFORM OR MLS Content WILL MEET YOUR REQUIREMENTS, WILL BE FUNCTION WITHOUT INTERRUPTION OR WITHOUT ERROR, OR THAT DEFECTS IN THE PLATFORM OR MLS Content WILL BE CORRECTED. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY FBS, MLS OR ITS AUTHORIZED REPRESENTATIVES SHALL CREATE A WARRANTY. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR LIMITATIONS ON APPLICABLE STATUTORY RIGHTS OF A CONSUMER, SO THE ABOVE EXCLUSION AND LIMITATIONS MAY NOT APPLY TO YOU. TO THE EXTENT NOT PROHIBITED BY LAW, IN NO EVENT SHALL FBS OR MLS BE LIABLE FOR PERSONAL INJURY, OR ANY INCIDENTAL, SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OR INABILITY TO USE THE PLATFORM AND MLS Content, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT OR OTHERWISE) AND EVEN IF FBS OR MLS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY FOR PERSONAL INJURY, OR OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THIS LIMITATION MAY NOT APPLY TO YOU. IN NO EVENT SHALL FBS'S AND MLS'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES EXCEED THE AMOUNT OF ONE DOLLAR ($1.00). THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
  15. General Terms.
    1. Territory. The Platform and MLS Content are intended for and made available to customers in the United States.
    2. Termination. These Terms of Use shall automatically terminate without notice if you breach any terms of these Terms of Use. In the event of such termination, you shall cease all use of the Platform and MLS Content, and we may immediately revoke your access to the Platform and MLS Content without notice to you and without obligation to refund any purchases. FBS shall further have the right to terminate these Terms of Use without notice at any time.
    3. Governing Law. These Terms of Use shall be governed by the laws of the State of North Dakota, without reference to its rules governing choice of law or venue or the U.N. Convention on Contracts for the International Sale of Goods. You hereby irrevocably consent to and waive any objection to the exclusive jurisdiction and venue of the federal and state courts located at Cass County, North Dakota for any and all disputes, claims and actions. Notwithstanding the foregoing, you agree that (i) FBS may apply for injunctive remedies (or an equivalent type of urgent legal relief) in any jurisdiction, and (ii) MLSs providing MLS Content may enforce any rights to MLS Content or that are otherwise available to them under Section 13 in any jurisdiction and under any governing law.
    4. Amendments. FBS may amend any of these Terms of Use at its sole discretion by posting the revised terms on the Platform or by notice to you. Your continued use of the Platform or MLS Content after the effective date of the revised Agreement terms shall constitute your acceptance of the terms.
    5. No Waiver. A failure by FBS or MLS to insist upon or enforce your strict compliance with these Terms of Use shall not constitute a waiver of any of FBS's or MLS's rights.
    6. Export Restrictions. You agree to comply with all export and re-export restrictions and regulations of the Department of Commerce and other United States agencies and authorities that may apply to the Platform or MLS Content.
    7. Government Users. If you are a U.S. Government end user, the Applications and MLS Content are licensed to you as "Commercial Items" as that term is defined in the U.S. Code of Federal Regulations (see 48 C.F.R. § 2.101), and the rights FBS grants to you for the Platform are the same as the rights customarily granted to others under these Terms of Use.