IMPORTANT – PLEASE READ CAREFULLY: These Terms of Service ("Terms") constitute a legally binding agreement between you ("you" or "User") and Lanyard Money LLC, a Virginia limited liability company ("Lanyard," "we," "us," or "our"). By clicking "I Agree," "Sign Up," "Create Account," or similar acceptance mechanism, or by accessing or using the Lanyard platform, website, or any related services (collectively, the "Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. You agree that such electronic acceptance constitutes your legally binding signature and consent, equivalent to a handwritten signature, and that you will not challenge the validity or enforceability of these Terms based on the electronic form of this agreement. If you do not agree to these Terms, do not use the Service.
NOTICE: THESE TERMS CONTAIN A CLASS ACTION WAIVER AND JURY TRIAL WAIVER (Section 13), WHICH AFFECT YOUR LEGAL RIGHTS. PLEASE READ THEM CAREFULLY.
1. Description of Service
1.1 Overview
Lanyard provides an AI-powered financial insights and coaching platform (the "Service") designed to help users understand and improve their personal financial management. The Service may include, without limitation, AI-generated financial insights and analysis, periodic reports, spending pattern identification, cash flow tracking and visualization, personalized recommendations, and such other features and tools as Lanyard may offer from time to time. The Service is offered on a subscription basis at such price as may be posted on our website from time to time.
The Service currently includes, but is not limited to:
- AI-generated financial insights and analysis
- Onboarding financial baseline reports (the "Baseline")
- Ongoing monthly reports (the "Playbook")
- A financial highlight summary (the "Highlight Reel")
- Spending pattern identification
- Cash flow tracking and visualization
- Personalized action items based on your financial data
1.2 Modifications to Service
Lanyard reserves the right, in its sole discretion, to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice, including by adding, removing, or changing features, functionality, pricing tiers, or service offerings. Lanyard shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service or any part thereof. Your continued use of the Service following any modification constitutes acceptance of the modified Service.
2. Informational Purpose Only; Not Financial Advice
2.1 Disclaimer
THE SERVICE IS PROVIDED FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY.
Lanyard is not a registered investment adviser, broker-dealer, financial planner, wealth manager, fiduciary, or tax professional. Nothing provided through the Service constitutes, or is intended to constitute, financial advice, investment advice, tax advice, legal advice, or any other form of professional advice.
The insights, analyses, recommendations, and other information provided through the Service (collectively, "Insights") are generated using artificial intelligence and automated analysis tools. These Insights are intended solely to help you better understand your own financial data and are not recommendations to take or refrain from taking any specific financial action.
All financial decisions are made at your sole discretion and risk.
You acknowledge and agree that: (a) Lanyard does not owe you a fiduciary duty of any kind; (b) Lanyard does not act as your financial adviser, wealth manager, or agent; (c) you are solely responsible for evaluating the merit and suitability of any financial decision you make based on information obtained through the Service; and (d) you should consult a qualified financial professional before making significant financial decisions.
Lanyard does not guarantee the accuracy, completeness, timeliness, or reliability of any Insights. AI-generated analysis may contain errors, omissions, or inaccuracies. You should independently verify all information before relying on it.
2.2 AI Technology Limitations
You acknowledge and agree that: (a) the Service uses artificial intelligence and machine learning technologies that have inherent limitations, including the potential for inaccuracies, errors, omissions, incomplete analysis, and outputs that may appear plausible but are factually incorrect ("hallucinations"); (b) AI-generated Insights are produced through automated statistical and computational processes and do not reflect human professional judgment; (c) Lanyard does not guarantee, represent, or warrant that any AI-generated output is accurate, complete, current, reliable, error-free, or suitable for any particular purpose; (d) you assume all risk associated with reliance on AI-generated Insights; (e) you are solely responsible for independently verifying all information before taking any action; and (f) Lanyard's AI systems may produce different outputs from the same or similar inputs at different times, and such variability is an inherent characteristic of the technology, not a defect in the Service.
3. Eligibility, Account Registration, and Security
3.1 Eligibility
You must be at least 18 years of age and reside in the United States to use the Service. By using the Service, you represent and warrant that you meet these eligibility requirements and have the legal capacity to enter into these Terms.
3.2 Account Registration
To access the Service, you must create an account and provide certain personal information. You agree to: (a) provide accurate, current, and complete information during registration; (b) maintain and promptly update your account information; (c) maintain the security and confidentiality of your login credentials; and (d) accept responsibility for all activities that occur under your account.
3.3 Account Security
You must immediately notify Lanyard of any unauthorized use of your account or any other breach of security. Lanyard will not be liable for any loss arising from your failure to protect your account credentials.
3.4 Account Sharing
Each account is intended for use by a single individual or, where a household account option is offered, by the individuals identified during registration. You may not share your account credentials or allow any other person to access the Service through your account, except as expressly permitted through household account features offered by Lanyard. For household accounts, the account holder who creates the account (the "Primary Account Holder") is responsible for: (a) ensuring that all individuals with access to the account consent to these Terms and the Privacy Policy; (b) all activity conducted through the account, regardless of which household member initiated it; and (c) maintaining the accuracy of information provided for all household members. Lanyard reserves the right to terminate accounts that it reasonably believes are being shared in violation of this provision.
3.5 Financial Institution Compliance
By connecting your financial accounts to the Service, you represent and warrant that: (a) you are the authorized account holder for each financial account you connect; (b) your connection and sharing of financial data through the Service does not violate any agreement, terms of service, or policy of your financial institution; (c) you have obtained any consents required by your financial institution to authorize third-party access to your account data; and (d) Lanyard shall have no liability for any action taken by your financial institution in response to your connection to the Service, including account suspension, closure, or restriction of services. You agree to indemnify Lanyard against any claims by financial institutions arising from your use of the Service.
4. Subscription and Payment Terms
4.1 Subscription Fee
The Service is offered on a subscription basis at the pricing posted on lanyardmoney.com at the time of purchase, which may include monthly and annual subscription options. Current subscription options, including applicable pricing, are available for review on the website and at checkout. All fees are quoted and charged in U.S. dollars.
4.2 Billing Cycle
Your subscription will be billed on a recurring basis in accordance with the billing cycle applicable to the subscription plan you select (e.g., monthly or annually), beginning on the date of your initial subscription. You authorize Lanyard (or our third-party payment processor) to charge your designated payment method for each billing cycle.
4.3 Price Changes
Lanyard reserves the right to modify subscription pricing at any time. We will provide you with at least thirty (30) days' prior written notice of any price change. Your continued use of the Service after the effective date of a price change constitutes your acceptance of the new pricing.
4.4 Taxes
All fees are exclusive of applicable taxes. You are responsible for all taxes, levies, or duties imposed by taxing authorities with respect to the Service, excluding taxes based on Lanyard's net income.
4.5 Refunds
All fees paid are non-refundable except as expressly provided in these Terms or as required by applicable law. If you cancel your subscription, you will continue to have access to the Service through the end of your current billing period.
5. Cancellation and Termination
5.1 Cancellation by You
You may cancel your subscription at any time through your account settings or by contacting us at support@lanyardmoney.com. Cancellation will take effect at the end of the current billing period. No refunds or credits will be provided for partial billing periods.
5.2 Termination by Lanyard
We may suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. Grounds for termination include, but are not limited to: (a) breach of these Terms; (b) fraudulent, harassing, or illegal activity; (c) conduct that may create liability for Lanyard; or (d) extended periods of inactivity.
5.3 Effect of Termination
Upon termination, your right to access the Service will cease immediately. The following provisions shall survive any termination or expiration of these Terms: Sections 2 (Informational Purpose; AI Limitations), 6 (Data, Privacy, and Security), 7 (Acceptable Use Policy, to the extent relevant to post-termination conduct), 8 (Intellectual Property), 9 (Third-Party Services), 10 (Disclaimers), 11 (Limitation of Liability), 12 (Indemnification), 13 (Dispute Resolution), 14 (General Provisions), and any other provision that by its nature should survive, including all accrued rights and obligations.
6. Data, Privacy, and Security
6.1 Privacy Policy
Your use of the Service is governed by our Privacy Policy, available at lanyardmoney.com/privacy, which is expressly incorporated into and made a part of these Terms by this reference. By accepting these Terms, you acknowledge that you have read, understood, and consent to the data collection, use, disclosure, and processing practices described in the Privacy Policy. You agree that: (a) the Privacy Policy forms an integral part of these Terms; (b) your violation of the Privacy Policy constitutes a material breach of these Terms; (c) references to "these Terms" include the Privacy Policy unless the context clearly requires otherwise; and (d) in the event of any conflict between these Terms and the Privacy Policy with respect to data practices, the Privacy Policy shall control. Lanyard may update the Privacy Policy in accordance with the modification procedures set forth therein, and such updates shall automatically be incorporated into these Terms without requiring a separate amendment to these Terms.
6.2 Financial Data
To provide the Service, Lanyard connects to your financial accounts through authorized third-party data aggregation services. You grant Lanyard permission to access, retrieve, and process your financial transaction data for the purpose of providing and improving the Service. Lanyard does not store your bank login credentials.
6.3 Financial Data Accuracy
The Service retrieves financial data from your connected accounts through third-party data aggregation services. You acknowledge and agree that: (a) Lanyard does not independently verify the accuracy, completeness, or timeliness of data received from your financial institutions or data aggregation providers; (b) errors, delays, or omissions in the data provided by financial institutions or aggregation services may result in inaccurate Insights; (c) Lanyard shall have no liability for any Insight, report, score, or recommendation that is based on inaccurate, incomplete, delayed, or missing data from third-party sources; (d) you are solely responsible for reviewing your Insights against your actual financial records and promptly reporting any discrepancies; and (e) financial institutions may limit, restrict, or terminate data-sharing access at any time, which may affect the Service's functionality, and Lanyard shall have no liability for any such limitation, restriction, or termination.
6.4 Data Security
We implement commercially reasonable administrative, technical, and physical safeguards to protect your personal and financial information. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.
6.5 Data Retention
We retain your data for as long as your account remains active and for a reasonable period thereafter as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
6.6 Consent to Automated Processing
You expressly consent to the automated processing of Your Data (as defined in Section 8), including by artificial intelligence and machine learning systems, to generate Insights, scores, reports, and recommendations. You acknowledge that: (a) the Service relies on automated analysis and does not involve human review of your individual financial data except in connection with customer support requests you initiate; (b) AI-generated Insights do not constitute automated decision-making that produces legal or similarly significant effects on you, as defined under applicable state privacy laws; (c) no employment, credit, insurance, housing, or other eligibility determination is made through the Service; and (d) you may withdraw your consent to automated processing at any time by deleting your account, subject to data retention provisions described in the Privacy Policy.
7. Acceptable Use Policy
You agree not to use the Service to: (a) violate any applicable law, regulation, or third-party rights; (b) upload or transmit any malicious code, viruses, or harmful components; (c) attempt to gain unauthorized access to any part of the Service or its related systems; (d) reverse-engineer, decompile, or disassemble the Service or its underlying technology; (e) use the Service to develop a competing product or service; (f) resell, sublicense, or commercially exploit the Service without our express written consent; (g) use automated systems (bots, scrapers, etc.) to access the Service; (h) impersonate any person or entity or misrepresent your affiliation with any person or entity; (i) attempt to manipulate, exploit, or circumvent the AI systems underlying the Service through prompt injection, adversarial inputs, jailbreaking techniques, or any method designed to cause the AI to produce outputs outside its intended function; (j) systematically extract, scrape, collect, or aggregate AI-generated outputs for the purpose of building, training, or improving any competing product, service, dataset, or AI model; (k) use the Service to generate content that infringes any third-party intellectual property rights, privacy rights, or other legal rights; (l) misrepresent AI-generated Insights as professional financial, investment, tax, or legal advice when sharing with or providing to third parties; (m) use the Service in any manner that could damage, disable, overburden, or impair the AI systems or interfere with any other party's use of the Service; or (n) probe, test, or attempt to discover the underlying prompts, model weights, training data, or proprietary algorithms of the Service's AI systems.
8. Intellectual Property
8.1 Lanyard Money's IP
The Service, including all software, algorithms, AI models, designs, text, graphics, interfaces, and other content, is owned by or licensed to Lanyard Money and is protected by copyright, trademark, patent, trade secret, and other intellectual property laws. These Terms do not grant you any right, title, or interest in the Service except for the limited right to use the Service in accordance with these Terms.
8.2 Your Data
You retain ownership of all data you provide to Lanyard through the Service ("Your Data"). You grant Lanyard a non-exclusive, worldwide, royalty-free, sublicensable, transferable license to use, process, reproduce, modify, adapt, analyze, aggregate, de-identify, and create derivative works from Your Data for the following purposes: (a) providing, operating, maintaining, and supporting the Service; (b) improving, enhancing, and developing the Service, including training and improving internal machine learning and artificial intelligence models; (c) generating anonymized, aggregated, or de-identified data, statistics, benchmarks, and insights for use in connection with Lanyard's business, including product development, industry research, marketing materials, educational content, and investor and business-development materials; and (d) complying with applicable law and enforcing these Terms. For clarity, once data has been anonymized or aggregated such that it cannot reasonably be used to identify you, it is no longer considered Your Data and may be used by Lanyard without restriction and without further obligation to you. This license survives termination of your account with respect to anonymized and aggregated data created prior to termination.
8.3 Feedback
If you provide suggestions, ideas, or other feedback regarding the Service ("Feedback"), you grant Lanyard an unrestricted, irrevocable, perpetual, royalty-free license to use such Feedback for any purpose without compensation to you.
8.4 AI-Generated Outputs
All AI-generated Insights, reports, recommendations, scores, and other outputs produced by the Service ("AI Outputs") are owned by Lanyard and are licensed to you solely for your personal, non-commercial use in connection with the Service. You may not reproduce, distribute, publicly display, sell, license, or create derivative works from AI Outputs except for your personal financial planning purposes. You acknowledge that: (a) AI Outputs are generated using automated processes and may be similar or identical to outputs generated for other users with similar financial profiles; (b) Lanyard does not guarantee the uniqueness, originality, or exclusivity of any AI Output; and (c) AI Outputs do not constitute works of authorship and may not be eligible for copyright protection. Upon termination of your account, your license to use AI Outputs shall terminate, provided that you may retain copies of previously generated reports for your personal records.
8.5 Data Export
Lanyard may provide you with the ability to export certain of Your Data in a portable format. You acknowledge that: (a) exported data does not include AI Outputs, proprietary scores (including the Momentum Score), or algorithmic analyses, which are Lanyard's intellectual property; (b) exported data is provided "as is" and Lanyard makes no warranty regarding its format, compatibility, or fitness for use with any third-party service; (c) you may not use exported data to reverse-engineer, replicate, or reconstruct Lanyard's proprietary algorithms, scoring methodologies, or AI systems; and (d) Lanyard may impose reasonable limits on the frequency and volume of data export requests.
9. Third-Party Services and Links
9.1 Third-Party Services
The Service may integrate with or contain links to third-party services, websites, or applications (including financial data aggregation providers, payment processors, AI processing services, and cloud infrastructure providers). These third-party services are not under Lanyard's control, and we are not responsible for their content, privacy policies, or practices. Your use of any third-party service is at your own risk and subject to that third party's terms and conditions.
9.2 Third-Party Provider Disclaimers
You acknowledge and agree that: (a) Lanyard is not responsible for any act, omission, failure, interruption, or security breach of any third-party service provider; (b) the availability and functionality of third-party services are outside Lanyard's control; (c) if a third-party provider modifies, suspends, or terminates its services, the Service may be affected, and Lanyard shall have no liability for such impact; (d) your use of the Service may require you to agree to separate terms and conditions with third-party providers (including your financial institution's terms and any end-user terms required by our data aggregation provider); and (e) any dispute arising from a third-party provider's services must be resolved directly with that provider.
10. Disclaimers
10.1 General Warranty Disclaimer
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LANYARD DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. LANYARD DOES NOT GUARANTEE ANY MINIMUM LEVEL OF AVAILABILITY, UPTIME, OR PERFORMANCE. THE SERVICE MAY BE TEMPORARILY UNAVAILABLE DUE TO MAINTENANCE, UPDATES, SYSTEM FAILURES, THIRD-PARTY SERVICE DISRUPTIONS, OR OTHER CAUSES. LANYARD SHALL HAVE NO LIABILITY FOR ANY UNAVAILABILITY, DELAY, OR INTERRUPTION OF THE SERVICE, REGARDLESS OF DURATION OR CAUSE.
10.2 Specific Disclaimers
WITHOUT LIMITING THE FOREGOING, LANYARD DOES NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (B) THE INSIGHTS OR OTHER INFORMATION PROVIDED THROUGH THE SERVICE WILL BE ACCURATE, COMPLETE, OR RELIABLE; (C) THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS; (D) ANY ERRORS IN THE SERVICE WILL BE CORRECTED; OR (E) THE AI-GENERATED ANALYSIS WILL BE FREE FROM INACCURACIES, BIASES, OR HALLUCINATIONS.
10.3 AI Limitations
YOU ACKNOWLEDGE THAT ARTIFICIAL INTELLIGENCE TECHNOLOGY HAS INHERENT LIMITATIONS, AND THE INSIGHTS PROVIDED BY THE SERVICE SHOULD NOT BE THE SOLE BASIS FOR ANY FINANCIAL DECISION.
11. Limitation of Liability
11.1 Exclusion of Consequential Damages
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LANYARD, ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, OR AFFILIATES (COLLECTIVELY, THE "LANYARD PARTIES") BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE), EVEN IF LANYARD HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
11.2 Liability Cap
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF THE LANYARD PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE TOTAL AMOUNT OF FEES ACTUALLY PAID BY YOU TO LANYARD DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
11.3 Basis of the Bargain
You acknowledge that the limitations of liability set forth in this Section reflect a reasonable allocation of risk and are a fundamental element of the basis of the bargain between you and Lanyard. The Service would not be provided to you without these limitations.
11.4 Jurisdictional Limitations
Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, the liability of the Lanyard Parties shall be limited to the greatest extent permitted by applicable law.
12. Indemnification
12.1 Indemnification Obligations
You agree to indemnify, defend, and hold harmless the Lanyard Parties from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and costs of investigation) arising out of or in connection with: (a) your use of or inability to use the Service; (b) your violation of these Terms or the Privacy Policy; (c) your violation of any applicable law, regulation, or third-party rights; (d) any financial decision you make based on Insights provided through the Service; (e) your infringement of any third-party rights; (f) any inaccurate, misleading, or fraudulent information or data you provide to the Service, including misrepresentation of your identity, financial circumstances, or account ownership; (g) your violation of the terms of service, account agreements, or other contractual obligations owed to any financial institution whose accounts you connect to the Service; (h) any claim by a third party arising from your sharing, distributing, or otherwise making available any AI-generated Insights, reports, or outputs from the Service to any third party, including claims of reliance, misrepresentation, or negligence; or (i) any claim arising from your use of the Service in combination with any third-party service, product, or platform.
12.2 Survival and Defense
This indemnification obligation shall survive termination of these Terms and your use of the Service. Lanyard reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify Lanyard, and you agree to cooperate with our defense of such claims.
13. Dispute Resolution
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO PARTICIPATE IN CLASS ACTIONS AND YOUR RIGHT TO A JURY TRIAL.
13.1 Mandatory Informal Dispute Resolution
Before filing any lawsuit or formal proceeding arising out of or relating to these Terms or the Service (a "Dispute"), you must first contact Lanyard at legal@lanyardmoney.com and provide a written description of the Dispute, including the nature of the claim, the specific relief sought, and the factual basis for the claim (a "Dispute Notice"). Upon receipt of a Dispute Notice, Lanyard shall acknowledge receipt within ten (10) business days. The parties shall then attempt in good faith to resolve the Dispute through informal negotiation for a period of not less than ninety (90) days from the date Lanyard receives the Dispute Notice (the "Informal Resolution Period"). During the Informal Resolution Period, any applicable statute of limitations or contractual limitations period shall be tolled. No lawsuit or formal proceeding may be filed until the Informal Resolution Period has expired without resolution. Any lawsuit filed in violation of this Section shall be subject to dismissal or stay pending completion of the Informal Resolution Period. This requirement applies to you and to Lanyard equally.
13.2 Contractual Limitations Period
Any Dispute must be commenced by filing a lawsuit within one (1) year after the date the party asserting the claim first knows or reasonably should know of the act, omission, or default giving rise to the Dispute, regardless of when the damage is discovered. Any Dispute not commenced within this one (1) year period is permanently barred. This limitations period applies in lieu of, and to the exclusion of, any longer statute of limitations that might otherwise apply under applicable law, to the maximum extent permitted by law. For purposes of this Section, a Dispute is "commenced" upon the filing of a complaint or other initiating document with a court of competent jurisdiction. The limitations period set forth in this Section shall not apply to claims that, as a matter of applicable law, cannot be subject to a contractual limitations period.
13.3 Class Action Waiver
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AND LANYARD EACH AGREE THAT ANY DISPUTE SHALL BE BROUGHT SOLELY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, CLASS MEMBER, OR PARTICIPANT IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, CONSOLIDATED ACTION, MULTI-DISTRICT LITIGATION, MASS ACTION, OR REPRESENTATIVE PROCEEDING. YOU WAIVE ANY RIGHT TO PARTICIPATE IN ANY SUCH PROCEEDING. The court shall have no authority to certify or maintain any class, collective, or representative proceeding involving claims subject to this waiver. If any court or tribunal determines that this class action waiver is unenforceable as to a particular claim or request for relief, then that claim or request for relief — and only that claim or request for relief — may proceed on an individual basis; all other claims remain subject to this waiver. This class action waiver shall survive termination of these Terms.
13.4 Jury Trial Waiver
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AND LANYARD EACH KNOWINGLY, VOLUNTARILY, AND IRREVOCABLY WAIVE ANY RIGHT TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING, OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THESE TERMS, THE SERVICE, THE PRIVACY POLICY, OR YOUR RELATIONSHIP WITH LANYARD. THIS WAIVER APPLIES TO ANY CLAIM, WHETHER SOUNDING IN CONTRACT, TORT, STATUTE, OR OTHERWISE. YOU ACKNOWLEDGE THAT: (A) YOU HAVE READ AND UNDERSTAND THIS JURY TRIAL WAIVER; (B) YOU HAVE HAD SUFFICIENT TIME TO CONSIDER THIS WAIVER; (C) THIS WAIVER IS A MATERIAL INDUCEMENT FOR LANYARD TO PROVIDE THE SERVICE TO YOU; AND (D) THIS WAIVER IS KNOWING AND VOLUNTARY. IF A COURT DETERMINES THAT THIS JURY TRIAL WAIVER IS UNENFORCEABLE, THE REMAINING PROVISIONS OF THIS SECTION 13 SHALL CONTINUE IN FULL FORCE AND EFFECT.
13.5 Governing Law
These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict-of-laws provisions. The United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transactions Act (UCITA) shall not apply to these Terms.
13.6 Exclusive Venue
You and Lanyard consent to the exclusive jurisdiction and venue of the state courts located in Arlington County, Virginia, and the United States District Court for the Eastern District of Virginia, Alexandria Division, for all Disputes not resolved through the Informal Resolution Period. You waive any objection to the exercise of jurisdiction over you by such courts and any objection to venue in such courts, including any objection based on inconvenient forum.
13.7 Injunctive Relief
Notwithstanding any other provision of this Section 13, Lanyard may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of Lanyard's intellectual property rights, confidential information, or data security, without the requirement of posting a bond or proving actual damages, and without first completing the Informal Resolution Period. You acknowledge that any unauthorized use or disclosure of Lanyard's proprietary technology, AI systems, or confidential information would cause irreparable harm for which monetary damages would be inadequate.
13.8 Attorneys' Fees
In any Dispute, the substantially prevailing party shall be entitled to recover its reasonable attorneys' fees, costs, and expenses from the non-prevailing party. For purposes of this Section, a "substantially prevailing party" means a party that obtains a judgment or enforceable settlement on the material claims or defenses at issue in the Dispute. If a court determines that your claim was frivolous, brought for an improper purpose, or otherwise lacking in merit, you shall reimburse Lanyard for all reasonable fees, costs, and expenses incurred in connection with defending the Dispute.
14. General Provisions
14.1 Entire Agreement
These Terms, together with the Privacy Policy and any other policies or agreements expressly referenced herein, constitute the entire agreement between you and Lanyard with respect to the Service and supersede all prior or contemporaneous communications, proposals, representations, and agreements, whether oral or written. You acknowledge that you have not relied on any statement, representation, warranty, or agreement other than those expressly set forth in these Terms in deciding to accept these Terms and use the Service. No statement or information provided by Lanyard's employees, agents, customer support personnel, or marketing materials, whether oral or written, shall create any warranty or obligation not expressly stated in these Terms.
14.2 Severability
If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.
14.3 Waiver
The failure of Lanyard to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by Lanyard.
14.4 Assignment
You may not assign or transfer these Terms, or any rights or obligations hereunder, without Lanyard's prior written consent, which may be withheld in Lanyard's sole discretion. Any purported assignment in violation of this Section shall be void. Lanyard may freely assign or transfer these Terms and all rights and obligations hereunder, in whole or in part, without restriction and without notice to you, including in connection with any merger, acquisition, corporate reorganization, change of control, or sale of all or substantially all of Lanyard's assets. Subject to the foregoing, these Terms shall bind and inure to the benefit of the parties and their respective successors and assigns.
14.5 Force Majeure
Lanyard shall not be liable for any delay or failure to perform resulting from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, pandemic, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, labor disputes, or failure of third-party infrastructure or services.
14.6 Notices
Lanyard may provide notices to you via email to the address associated with your account, through the Service, or by posting on our website. You may provide notices to Lanyard by emailing legal@lanyardmoney.com. Notices are deemed received upon sending (for email) or upon posting (for website notices).
14.7 Electronic Communications
By using the Service, you consent to receiving electronic communications from Lanyard, including transactional emails, account notifications, and updates to these Terms. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.
14.8 Headings
The section headings in these Terms are for convenience only and have no legal or contractual effect.
14.9 No Third-Party Beneficiaries
These Terms do not confer any third-party beneficiary rights.
15. Free Trials, Beta Features, and Promotions
15.1 Free Trials
Lanyard offers a free trial period to new users. Your free trial begins on the date you create your account and continues through the end of the current calendar month. Unless you cancel before the end of the calendar month in which you sign up, your trial will automatically convert to a paid subscription, and your first subscription charge will be processed on the first (1st) day of the following calendar month at the then-current subscription rate. Your designated payment method will be charged on a recurring basis thereafter in accordance with your selected subscription plan. Lanyard reserves the right to modify, suspend, or discontinue free trial offerings at any time and to limit free trial eligibility, including limiting trials to one per user, household, or payment method.
15.2 Beta Features
Lanyard may offer certain features or access periods designated as "beta," "preview," "early access," "experimental," or similar terminology ("Beta Features"). Beta Features are provided "as is" without any warranty of any kind. Lanyard may modify, suspend, or discontinue Beta Features at any time without notice or liability. Beta access may be extended on an individual, invitation-only basis and does not constitute a general free trial. Users participating in a beta program are subject to the terms communicated to them at the time of onboarding, including any designated access period, after which their accounts may convert to paid subscriptions at the then-current subscription rate unless otherwise agreed in writing. You acknowledge that Beta Features may contain errors, bugs, or inaccuracies, and your use of Beta Features is at your sole risk. Feedback you provide regarding Beta Features is governed by the Feedback provision of Section 8 of these Terms.
15.3 Promotional Offers
Lanyard may offer promotional pricing, discounts, complimentary access, or other special offers from time to time (a "Promotional Offer"). Such offers may be subject to additional terms and conditions, which will be disclosed at the time of the offer. Lanyard reserves the right to modify or terminate any Promotional Offer at any time. Promotional pricing does not guarantee continued availability at that price after the promotional period ends.
15.4 Applicability of Terms
All provisions of these Terms, including data usage rights, intellectual property provisions, disclaimers, and limitations of liability, apply fully to your use of any free trial, Beta Feature, or promotional offer.
16. Modifications to Terms
Lanyard reserves the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and, where practicable, by sending you an email notification at least thirty (30) days before the changes take effect. Your continued use of the Service after the effective date of the revised Terms constitutes your acceptance of the changes. If you do not agree with the revised Terms, you must stop using the Service and cancel your subscription.
17. Contact Information
If you have any questions about these Terms, please contact us at:
Lanyard Money LLC
Email: support@lanyardmoney.com
Website: lanyardmoney.com
BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.