Last Updated: May 2021
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Markov Processes International (MPI)
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Plaid Client Flow Down Terms
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S&P Global Market Intelligence
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Compliance with the Laws and Standards of Conduct:
Except as expressly provided in an open source or other public license, you shall not (i) reverse engineer, decompile, disassemble, or otherwise create, attempt to create or derive, or permit or assist any third party to create or derive the source code underlying the Twilio Services; (ii) transfer, resell, lease, license, or assign Services or otherwise offer the Services on a standalone basis; (iii) use the Services in any manner that violates Twilio's Acceptable Use Policy, a copy of which is attached hereto as Exhibit 1, “Acceptable Use Policy” or any other term of this Agreement; or (iv) use the Services to access or allow access to emergency services personnel or public safety answering points such as 911 or E911 services.
Acceptable Use Policy:
This Acceptable Use Policy describes actions that Twilio, Inc. ("Twilio") prohibits when you use its website and/or services (the "Services"). The Acceptable Use Policy is governed by the Service Agreement between Twilio and Advisor360°. Twilio may in its sole discretion determine whether you are in violation of this Acceptable Use Policy. The Services may be used only for lawful purposes and may not be used for any illegal activities. Using the Services in an illegal, abusive, or any other manner that interferes with or diminishes others’ use and enjoyment of the Services is prohibited. The following list gives examples of illegal, abusive, interfering or otherwise unacceptable or inappropriate behavior while using the Services.
This list is provided by way of example and shall not be considered exhaustive:
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- Using the Services in any manner that may subject Twilio or any third party to liability, damages or danger.
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- Using the Services in any manner that violates the Mobile Marketing Association guidelines and/or best practices, carrier guidelines, or any other industry standards.
- Engaging in fraud with respect to your account.
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- Using any of the Twilio Properties or Twilio Marks other than as expressly permitted in the Service Agreement between Twilio and Advisor360°.
- Transmitting any material that may infringe the intellectual property rights or other rights of third parties, including but not limited to trademark, copyright, or rights of publicity or otherwise violating, infringing, or misappropriating the rights of any third party.
- Engaging in spamming or other unsolicited advertising, marketing or other activities, including, without limitation, any activities that violate anti-spamming laws and regulations including, but not limited to, the CAN SPAM Act of 2003, the Telephone Consumer Protection Act, and the Do-Not-Call Implementation Act.
- Using the Services in connection with any unsolicited or harassing messages (commercial or otherwise) including but not limited to unsolicited or unwanted phone calls SMS or text messages, voice mail, or faxes.
- Using phone numbers provided by Twilio ("Twilio Phone Numbers") for SMS in a manner that is not designed to enhance or augment the person-to-person nature of SMS communications.
- Offering any Emergency Services to users. "Emergency Services" shall mean services that allow a user to connect with emergency services personnel or public safety answering points such as 911 or E911 services.
- Promoting or engaging in illegal activities.
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- Harvesting or otherwise collecting information about others, including email addresses or phone numbers, from Twilio’s website without their express consent.
- Creating a false identity or forged email address or header, or phone number, or otherwise attempting to mislead others as to the identity of the sender or the origin of a message or phone call using your account.
- Transmitting any material that contains viruses, trojan horses, worms or any other malicious, harmful, or deleterious programs.
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- Interfering with or disrupting networks connected to the Services or violating the regulations, policies, or procedures of such networks.
- Improperly engaging in activity for which the United States Federal Communications Commission has restricted or regulated with regard to proper use of the public telephone network.
- Using the Services, or a component of the Services, in a manner not authorized by Twilio.