Terms of Use

General Agreement.

By using the website and mobile applications provided and maintained by Moneyworld Inc. d/b/a Moneyworld, you agree to these terms and conditions. Please do not use the website and mobile applications if you do not agree with these terms and conditions. We may change these terms and conditions and the changes will be posted on this website.

Social Responsibility.

You may not post objectionable or offensive content to the website or mobile applications, misuse any information posted to a site, misuse passwords, or use legally protected systems and third-party content without proper authorization.

Information Sharing.

Moneyworld may disclose and transfer any information that you provide through this website or mobile applications to: (i) Lewis & Clark Bank, an Oregon-chartered bank, Member FDIC, and any of our authorized agents or service providers; (ii) any person or entity in accordance with our Privacy Policy; or (iii) if we have a duty or are permitted or compelled by law to disclose such information. You consent the transmission, transfer or processing of the information you provide on the website and mobile applications. We may monitor, track and record your interactions, patterns, access devices, Internet Protocol addresses, or characteristics when you use this website and the mobile applications and, by your use of this website and the mobile applications, you expressly consent to such monitoring, tracking and recording.

Disruption of Service.

Moneyworld will not be responsible for any disruption of service and access to the website or the mobile applications may be unavailable, delayed, limited or slowed due to, among other things:

Hardware failure, including failures of computers, servers, networks, telecommunication lines and connections, and other electronic and mechanical equipment
Software failure, including bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content
Overload of system capacities
Damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of god, accident, fire, water damage, explosion, mechanical breakdown or natural disasters, interruption of power supplies or other utility of service, strike or other stoppage of labor, governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention
Any other cause beyond the control of Moneyworld

Rewards

Moneyworld may also from time to time enable you to earn rewards (collectively, “Rewards” and each, a “Reward”). As part of Moneyworld registration, you must: (1) select a “Deposit Tier”, (2) link an external deposit account at a U.S. depository institution to your Moneyworld account, and (3) authorize Moneyworld to initiate a weekly recurring electronic funds transfer debit from the external bank account for the amount you specify to your Moneyworld account. Moneyworld has five savings Deposit Tiers as described in the following table:

Deposit Tier	Weekly Deposit Requirement	Rewards
Deposit Tier 1	$10	Coins in the daily game are worth 1 cent, opening up 8 coins x $0.01 = $0.08 of possible coins to find every day by playing the game.
Deposit Tier 2	$20	Coins in the daily game are worth 2 cents, opening up 8 coins x $0.02 = $0.16 of possible coins to find every day by playing the game.
Deposit Tier 3	$50	Coins in the daily game are worth 5 cents, opening up 8 coins x $0.05 = $0.40 of possible coins to find every day by playing the game.
Deposit Tier 4	$100	Coins in the daily game are worth 10 cents, opening up 8 coins x $0.10 = $0.80 of possible coins to find every day by playing the game
Deposit Tier 5	$200	Coins in the daily game are worth 20 cents, opening up 8 coins x $0.20 = $1.60 of possible coins to find every day by playing the game

Moneyworld may at any time suspend, change or eliminate Rewards and Deposit Tiers. Changes will be posted on the website and mobile applications and will not affect Rewards you already have earned.‍

No minimum balance is required to obtain the Rewards; all Rewards require an automated recurring weekly savings deposit to your Moneyworld account.

Rewards Redemption, Withdrawals, Pausing Deposits, and Changing Deposit Tiers:

Pay Out Of Rewards: Moneyworld deposits the accumulated cash value in U.S. Dollars of all daily coins in your Moneyworld account after your saving tree in the game is fully grown. The tree takes 28 days to become fully grown and you must be making weekly deposits for your tree to continue to grow. If you pause your weekly deposits, your tree will pause growing. Once you resume your weekly deposits, your tree will continue to grow and Moneyworld will pay you your accumulated Rewards if your weekly deposits are still active after the tree is fully grown on day 28.

Withdrawals: You can withdraw your funds at any time including the Rewards that you have received at the end of every 28 day tree growing cycle. If you withdraw your funds before the end of a 28 day tree growing cycle, you will not earn any Rewards that have not yet accrued to your account. You will then need to wait a four week period to earn Rewards again.

Pausing Deposits: You can pause your weekly recurring automated savings deposits at any time and your Rewards will be put on hold until you resume your weekly savings deposits to Moneyworld.

Changing Deposit Tiers: If you decide to change your Deposit Tier to a higher or lower tier, your Rewards will be adjusted to the corresponding Deposit Tier.

Links to other Sites.

Moneyworld provides links to non-Moneyworld websites for information on topics that may be useful to you. Moneyworld does not control the content of non-Moneyworld websites. If you click on a link or otherwise link to a website not controlled by Moneyworld, Moneyworld makes no warranties, either express or implied, concerning the content of the site, including the accuracy, completeness, reliability or suitability for any particular purpose. Furthermore, Moneyworld does not warrant that the non-Moneyworld site is free from viruses or other contamination. You should not infer that links to non-Moneyworld imply any endorsement of or responsibility for the opinions, ideas, products, representations, information or services provided at these sites.

Use of Cookies

Moneyworld uses cookies to ensure that we give you the best experience on our website or mobile applications. If you continue to use our website and mobile applications without changing the settings on your web browser, we will assume that you have authorized us to receive cookies on the Moneyworld website and mobile applications. You may, however, change your cookies settings at any time, but you may not be able to access the website or mobile applications, or the performance of the website or mobile application may not be optimal.

Access to Accounts that are Not Yours

If you use Moneyworld’s website, mobile applications, or systems to access data related to any account(s) of which you are not the owner or authorized user as reflected in Moneyworld’s records and systems, you will indemnify, defend, and hold harmless Moneyworld, and all of its officers, directors, employees, agents, successors, and assigns from any and all losses, liabilities, damages, and all related costs and expenses, arising from, relating to, or resulting (directly or indirectly) from such unauthorized access, including the cost and expenses of investigation and analysis, correction or restoration of any destroyed, lost or altered data, losses associated with a data breach of the system(s) of any person or entity with whom you provided or shared Moneyworld customer account data, notification to affected customers, offering and providing of credit monitoring, customers service, or other remediation services, and any related costs. Any exercise of Moneyworld’s rights to indemnification shall be without prejudice to other rights and remedies in law or equity. You agree to this indemnity by accessing account data through Moneyworld’s website or systems, notwithstanding the terms of any agreement you have with a customer or an account owner stating otherwise.

Website and Mobile Application Content and Materials.

The information on the website and mobile applications are for information purposes only and Moneyworld does not warrant its completeness, timeliness or accuracy. Moneyworld may, without advance notice, change the terms and conditions of access to and use of information and materials on the website and the mobile applications. Moneyworld will let you know of the changes by substituting a revised Terms of Use on the Moneyworld website and the changes will be effective when posted unless indicated otherwise. The products and services promoted in this website and the mobile applications, including any associated fees, charges, interest rates, and balance requirements will be disclosed to you before you open the deposit account. Certain portions or pages of the website and mobile applications may be subject to additional disclosures and disclaimers. By using this website and mobile applications, you will not engage in any activity related to the website and mobile applications that is contrary to applicable law, regulation or the terms of any agreements you may have with Moneyworld. You agree to limit access to your password or other identifying information only to authorized individuals. Moneyworld may discontinue or make changes in the information, products or services described herein at any time without prior notice to you. Any dated information is published as of its date only. Moneyworld may terminate any website or mobile application offerings or transmissions without prior notice to you.

Sanctioned Countries.

You agree not to attempt to log on to the website or any mobile application from any country sanctioned by the Office of Foreign Assets Control (OFAC) of the U.S. Department of the Treasury (Treasury). See, Countries Under OFAC Sanctions from the Treasury website. We may block, restrict, or terminate your access to the website or the mobile applications if you attempt to log on to the website or mobile application from an OFAC sanctioned country.

Copyright Protections.

Copyright Protections. The works of authorship contained in the Moneyworld website and mobile applications, including but not limited to all design, text, sound recordings and images, are owned, except as otherwise expressly stated, by Moneyworld. Except as otherwise expressly stated herein, you may not copy, transmit, display, perform, distribute, license, alter, frame, store for subsequent use, or otherwise use in any manner such works of authorship without Moneyworld’s prior written consent, except to the extent permitted by the copyright act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of Moneyworld’s proprietary rights provided that you may download information and print out hard copies for your personal use, so long as you do not remove any copyright or other notice as may be contained in information, as downloaded.

Trademark Protections.

Moneyworld is the marketing name for the retail financial services activities of Moneyworld in the United States. Moneyworld and the Moneyworld logos are property of Moneyworld. Other featured words or symbols, used to identify the source of goods and services, may be the trademarks of their respective owners.

Limitations of Liability.

THE WEBSITE AND MOBILE APPLICATIONS (INCLUDING ALL INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE AND MOBILE APPLICATIONS) ARE PROVIDED “AS IS” AND “AS AVAILABLE”. MONEYWORLD AND THIRD-PARTY DATA PROVIDERS ARE NOT PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THE WEBSITE OR MOBILE APPLICATIONS AND DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THE WEBSITE AND MOBILE APPLICATIONS, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, OR FITNESS FOR ANY PARTICULAR PURPOSE. FURTHER, MONEYWORLD WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THIS WEBSITE OR THE MOBILE APPLICATIONS, OR FOR THE INCOMPATIBILITY BETWEEN THIS WEBSITE AND THE MOBILE APPLICATIONS AND THE USER’S BROWSER OR OTHER SITE ACCESSING PROGRAM. MONEYWORLD WILL MONEYWORLD’S NOT BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND CONTROL. MONEYWORLD AND THIRD-PARTY DATA PROVIDERS DO NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE AND MOBILE APPLICATIONS AND EXPRESSLY DISCLAIM LIABILITY FOR ERRORS OR OMISSIONS IN THE MATERIALS AND INFORMATION.

MONEYWORLD WILL NOT BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THIS WEBSITE AND THE MOBILE APPLICATIONS OR ANY PORTION THEREOF, REGARDLESS OF WHETHER MONEYWORLD HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT, (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.

Severability and Governing Law.

If any provision of these terms of use are unenforceable, the remaining terms and provisions will be unimpaired. These terms of use are subject to other agreements you have entered into with Moneyworld. The user’s access to and use of the website and mobile applications, and the terms of this disclaimer, are governed by the laws of the State of Illinois.