THINKLAB

Please read these Terms and Conditions (“Terms”, “Terms and Conditions”) carefully before using the www.philanthropi.com website and the Philanthropi mobile application (together, or individually, the “Service”) operated by Philanthropos LLC. (“us”, “we”, or “our”).

Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who wish to access or use the Service.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you do not have permission to access the Service.

Communications

By creating an Account on our service, you agree to subscribe to newsletters, marketing or promotional materials and other information we may send. However, you may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send.

Content

Our Service allows you to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material (“Content”). You are responsible for the Content that you post on or through the Service, including its legality, reliability, and appropriateness.

By posting Content on or through the Service, You represent and warrant that: (i) the Content is yours (you own it) and/or you have the right to use it and the right to grant us the rights and license as provided in these Terms, and (ii) that the posting of your Content on or through the Service does not violate the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person or entity. We reserve the right to terminate the account of anyone found to be infringing on a copyright.

You retain any and all of your rights to any Content you submit, post or display on or through the Service and you are responsible for protecting those rights. We take no responsibility and assume no liability for Content you or any third party posts on or through the Service. However, by posting Content using the Service you grant us the right and license to use, modify, publicly perform, publicly display, reproduce, and distribute such Content on and through the Service. You agree that this license includes the right for us to make your Content available to other users of the Service, who may also use your Content subject to these Terms.

Philanthropos LLC. has the right but not the obligation to monitor and edit all Content provided by users.

In addition, Content found on or through this Service are the property of Philanthropos LLC. or used with permission. You may not distribute, modify, transmit, reuse, download, repost, copy, or use said Content, whether in whole or in part, for commercial purposes or for personal gain, without express advance written permission from us.

Accounts

When you create an account with us, you guarantee that you are above the age of 18, and that the information you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account on the Service.

You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password, whether your password is with our Service or a third-party service. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

Copyright Policy

We respect the intellectual property rights of others. It is our policy to respond to any claim that Content posted on the Service infringes on the copyright or other intellectual property rights (“Infringement”) of any person or entity.

If you are a copyright owner, or authorized on behalf of one, and you believe that the copyrighted work has been copied in a way that constitutes copyright infringement, please submit your claim via email to copyright@philanthropi.com, with the subject line: “Copyright Infringement” and include in your claim a detailed description of the alleged Infringement as detailed below, under “DMCA Notice and Procedure for Copyright Infringement Claims”

You may be held accountable for damages (including costs and attorneys’ fees) for misrepresentation or bad-faith claims on the infringement of any Content found on and/or through the Service on your copyright.

DMCA Notice and Procedure for Copyright Infringement Claims

You may submit a notification pursuant to the Digital Millennium Copyright Act (DMCA) by providing our Copyright Agent with the following information in writing (see 17 U.S.C 512(c)(3) for further detail):

• an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright’s interest;
• a description of the copyrighted work that you claim has been infringed, including the URL (i.e., web page address) of the location where the copyrighted work exists or a copy of the copyrighted work;
• identification of the URL or other specific location on the Service where the material that you claim is infringing is located;
• 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 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 owner or authorized to act on the copyright owner’s behalf.

You can contact our Copyright Agent via email at copyright@philanthropi.com

Intellectual Property

The Service and its original content (excluding Content provided by users), features and functionality are and will remain the exclusive property of Philanthropos LLC. and its licensors. The Service is protected by copyright, trademark, and other laws of both the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Philanthropos LLC..

Links To Other Web Sites

Our Service may contain links to third party web sites or services that are not owned or controlled by Philanthropos LLC.

Philanthropos LLC. has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

You acknowledge and agree that Philanthropos LLC. shall 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 such content, goods or services available on or through any such third party web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third party web sites or services that you visit.

Termination

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

If you wish to terminate your account, you may simply discontinue using the Service.

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Indemnification

You agree to defend, indemnify and hold harmless Philanthropos LLC. and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password; b) a breach of these Terms, or c) Content posted on the Service.

Limitation Of Liability

In no event shall Philanthropos LLC., nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Service; (ii) any conduct or content of any third party on the Service; (iii) any content obtained from the Service; and (iv) unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

Disclaimer

Your use of the Service is at your sole risk. The Service is provided on an “AS IS” and “AS AVAILABLE” basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.

Philanthropos LLC. its subsidiaries, affiliates, and its licensors do not warrant that a) the Service will function uninterrupted, secure or available at any particular time or location; b) any errors or defects will be corrected; c) the Service is free of viruses or other harmful components; or d) the results of using the Service will meet your requirements.

Exclusions

Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to you.

Governing Law

These Terms shall be governed and construed in accordance with the laws of United States, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have had between us regarding the Service.

Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will provide at least 15 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

Contact Us

If you have any questions about these Terms, please contact us at legal@philanthropi.com.

If you have any questions about the Terms of Service, please contact us:

By email: legal@philanthropi.com
By mail: 30 S 17th Street, Philadelphia PA 19103 United States
Effective date: January 21, 2020

Overview

Philanthropos, LLC, is sensitive to privacy issues on the Internet. We believe it is important that you understand how we treat the information you may provide to us. This privacy statement applies to information collected by the websites we manage and control, including philanthropos.com, philanthropi.com and other domains owned and operated by Philanthropos, LLC.
In the normal course of business, we will collect both personal information about you and non-personal information associated with you. We will always strive to protect this information, hold it in confidence, and protect it from theft. In general, we utilize both non-personal and personally identifiable information that you provide to us or that we collect in the normal course of business to communicate with you about our service and product offerings and deliver those offerings in an efficient manner. For these purposes, Philanthropos employees, partners or authorized contractors and third-party agents will have access to some or all of this non-personal and personally identifiable information.
Unless specifically stated otherwise, the information you provide or that is associated with you is never shared with anyone other than Philanthropos employees, partners, or authorized contractors and agents. Philanthropos never trades or sells its users personal information except as provided in this policy.

How We Gather Information

Philanthropos, LLC and its affiliates gather and store information in many ways, including but not limited to the following:

Your Philanthropi Platform Account: To save you time and make our web services even easier to use, you may create a Philanthropi Platform account using your personal information. You may do this by visiting www.app.philanthropi.com. The Philanthropi Platform saves your information and references it to your email address.

Contracted service-providers: Philanthropi Platform may use outside vendors or third parties to administer your financial donation or granting to charities. The authentication and validation process may include requiring persons to provide identification and financial information such as banking routing and account information. This information will not be used by Philanthropos, LLC in accordance with this privacy policy, to prevent fraud and to ensure the identity of those using the Philanthropi Platform.

Your employer: Many organizations may match your donation and seed fund your account on the Philanthropi Platform. By accepting the matching and seed funds you are accepting a charitable gift from your employer or a charitable organization. Your personal information related to your use of the Philanthropi platform will not be shared with the organization's designated contact or anyone at the organization.

Normal course of business: When you contact Philanthropos, we may keep a record of your communication to help solve any issues you might be facing. We may use your email address to inform you about our services, such as letting you know about upcoming changes or improvements.

Marketing and communications channels: Philanthropos may use Twitter, Facebook, Instagram or other social media outlets to market and promote its offerings and services. Any communications you make with Philanthropos and its subsidiaries using these media may be used by Philanthropos in accordance with this policy.

Legal Access to Your Information

We may share personal information with companies, organizations or individuals outside of Philanthropos if we have a good-faith belief that access, use, preservation or disclosure of the information is reasonably necessary to:

• meet any applicable law, regulation, legal process or enforceable governmental request.
• enforce applicable Terms of Service, Terms of Use, or other potential violation of Philanthropos contracts or rules, including investigation of potential violations.
• detect, prevent, investigate or otherwise address fraud, security or technical issues.
• protect against harm to the rights, property or safety of Philanthropos, our users or the public as required or permitted by law.

Website Activity

Log Files. As is true of most Web sites, we gather certain information automatically and store it in log files. This information may include IP addresses, browser type, referring/exit pages, operating system, date/time stamp, and clickstream data. We may collect device-specific information (such as your hardware model, operating system version, unique device identifiers, and mobile network information including phone number). Philanthropos may associate your device identifiers or phone number with your Philanthropos Account.
We use this information to analyze trends, to administer the site, to track how visitors interact with the site.

Cookies

A cookie is a small file that is stored on a user's computer for record-keeping purposes. Philanthropos typically uses both session ID cookies and persistent cookies. We use session cookies to make it easier for you to navigate our site. A session cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time, and can be used when you return to our site to help identify you or allow you to log in, or on other third-party sites to communicate to you via online-marketing channels. You can remove persistent cookies by following directions provided in your Internet browser's help file.

When you log into your Philanthropi Platform account you may select the "Keep me logged in" check box to set a persistent cookie to store your password, so you don't have to enter it more than once. You can remove the dashboard login cookie by clicking the "Logout" link.
If you reject cookies, you may not use our site.

Marketing & Advertising, Including on Other Websites

We engage third-party companies, including but not limited to Google, to place and track advertisements on third-party websites. Like most advertisers, we place advertisements where we think they will be most relevant to customers. We place advertisements by developing and using our own marketing segments that may combine online and offline information about our current and prospective customers. In addition, we may use marketing segments provided by online publishers and network advertising companies. You may choose to opt-out of such internet-advertising campaigns by visiting the Network Advertising Initiative's Consumer Opt-Out page at https://www.networkadvertising.org/choices/.

Network advertising companies that provide these services have their own privacy policies and are not subject to our online privacy statement. Many of these companies provide ways to avoid targeted advertising provided by, or thru, them. We may base these campaigns on non-personal information collected about you (e.g. we may track site activity and then deliver ads via third-party sites related to cookies associated with these activities), or on personally identifiable information (e.g. we may select a subset of cookies associated with certain courses taken, and customize an informational campaign more relevant to, say, penetration testers than incident responders).

How We Protect Your Personal Information

Philanthropos safeguards the security of the data you send us with physical, electronic, administrative and managerial procedures. Likewise, we urge you to take every precaution to protect your personal data when you are on the Internet. These precautions include storing passwords in a reputable password manager, using unique passwords for every website or application, changing your password often, using a combination of letters, numbers and symbols, and using a secure browser over a secured network.
The Philanthropi platform currently uses at least TLS v1 encryption on all web pages where personal information is submitted. This is designed to protect the confidentiality of your personal information as it is transmitted to us over the Internet.

Philanthropos has designed its system to not store bank account numbers on our servers. We do not have access to your personal financial data.

Philanthropos may employ independent contractors to help manage data services, and such contractors may have access to data, similar to the access we give our employees. We endeavor to ensure that these third-party providers are protecting your information, but we are not ultimately responsible for their practices.

Statement Regarding Privacy Shield

Philanthropos complies with the EU-U.S. Privacy Shield Framework and the Swiss-U.S. Privacy Shield Framework (Privacy Shield) as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of personal information transferred from the European Union and the United Kingdom and Switzerland to the United States in reliance on Privacy Shield. Philanthropos has certified to the Department of Commerce that it adheres to the Privacy Shield Principles with respect to such information. If there is any conflict between the terms in this privacy policy and the Privacy Shield Principles, the Privacy Shield Principles shall govern. To learn more about the Privacy Shield program, and to view our certification, please visit https://www.privacyshield.gov/.

In compliance with the Privacy Shield Principles, Philanthropos commits to resolve complaints about your privacy and our collection or use of your personal information. Individuals with inquiries or complaints regarding this privacy policy should first contact Philanthropos at privacy@philanthropi.com
If you have exhausted all other means to resolve your complaint, you may be able to engage in binding arbitration through the Privacy Shield Panel.
Philanthropos commitments under the Privacy Shield are subject to the investigatory and enforcement powers of the United States Federal Trade Commission.

Children

Our services are not directed to children under the age of 13. We do not knowingly collect personal information from children under the age of 13, nor do we knowingly distribute such information to third parties. If we become aware that we received personal information from someone under the age of 13, we will take steps to delete such information from our records. If you believe we have personal information from someone under 13, please contact us privacy@philanthropi.com

Changes To This Privacy Statement

We reserve the right to modify this privacy statement at any time, so please review it frequently. If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

Contact Us

If you have any questions or suggestions regarding our privacy policy, please contact us at privacy@philanthropi.com

Finxact Privacy Policy

This privacy notice discloses the privacy practices for Finxact.com. This privacy notice applies solely to information collected by this website. It will notify you of the following:

• What personally identifiable information is collected from you through the website, how it is used and with whom it may be shared.
• What choices are available to you regarding the use of your data.
• The security procedures in place to protect the misuse of your information.
• How you can correct any inaccuracies in the information.

Information Collection, Use, and Sharing

We are the sole owners of the information collected on this site. We only have access to/collect information that you voluntarily give us directly, via email, forms collected on our website, and IP addresses and traffic metrics provided to us by Google Analytics, Hubspot, and other marketing tools that we may use at the time. We will not sell or rent any information to anyone.
We will use your information to respond to you, regarding the reason you contacted us. We will not share your information with any third party outside of our organization, other than as necessary to fulfill your request. Unless you ask us not to, we may contact you via email in the future to tell you about products or services, or changes to this privacy policy.

Your Access to and Control Over Information

You may opt out of any future contacts from us at any time. You can do the following at any time by contacting us via the email address or phone number given on our website:

• See what data we have about you, if any.
• Change/correct any data we have about you.
• Have us delete any data we have about you.
• Express any concern you have about our use of your data.

Security

We take precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline.
Wherever we collect sensitive information (such as credit card data, should we ever collect it), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a lock icon in the address bar and looking for “https” at the beginning of the address of the Web page.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, marketing, support, or customer service) are granted access to personally identifiable information. The computers/servers in which we store personally identifiable information are kept in a secure environment.

In the event of a Breach of security leading to the accidental or unlawful destruction, loss, alteration, unauthorized disclosure of, or access to, your data, Finxact will assess the risks to data subjects and may notify data protection authorities and affected data subjects.

If you feel that we are not abiding by this privacy policy, you should contact us immediately via email at info@finxact.com