Third-Party Terms

Last Updated: May 2021

Advisor360°, LLC provides you with information, products, and services on various Advisor360°, LLC websites or applications (“Advisor360° Resources”). The Advisor360° Resources may contain or display data, content, information, or applications provided by third-party suppliers that are not affiliated with Advisor360° (“Third-Party Content”). Advisor360° disclaims any responsibility for Third-Party Content on the Advisor360° Resources, and makes no guarantee as to the completeness or accuracy of Third-Party Content. Third-Party Content is protected by copyright under U.S. and international laws and is owned or licensed by the third-party providers.

In addition to Advisor360°’s end-user license agreement, users must comply with the terms of our third-party suppliers regarding the use of their content in the Advisor360° Resources. Users may also be responsible for fees associated with Third-Party Content.

Acquia

Argus
The text, data, information, graphics, moving and still images, or sound recordings contained in this Argus Research Product as displayed on the screen is solely for personal use and may not be assigned, copied, modified, merged, transferred, decompiled, reverse engineered, or distributed. The Argus Research Product is the exclusive property of Argus, not within the public domain and is protected by copyright and other intellectual property law and rights; and that Argus and/or its affiliates, and/or certain third parties, retain all proprietary rights and interests in and to each Argus Research Product and all Content. See also https://www.argusresearch.com/terms.aspx for more information.

ICE BondPoint/Bond Central

Broadridge Forefield Advisor​ 

Benchmark Data Source
Source: MSCI. The MSCI information may only be used for your internal use, may not be reproduced or redisseminated in any form and may not be used as a basis for or a component of any financial instruments or products or indices. None of the MSCI information is intended to constitute investment advice or a recommendation to make (or refrain from making) any kind of investment decision and may not be relied on as such. Historical data and analysis should not be taken as an indication or guarantee of any future performance analysis, forecast or prediction. The MSCI information is provided on an “as is” basis and the user of this information assumes the entire risk of any use made of this information. MSCI, each of its affiliates and each other person involved in or related to compiling, computing or creating any MSCI information (collectively, the “MSCI Parties”) expressly disclaims all warranties (including, without limitation, any warranties of originality, accuracy, completeness, timeliness, non-infringement, merchantability and fitness for a particular purpose) with respect to this information. Without limiting any of the foregoing, in no event shall any MSCI Party have any liability for any direct, indirect, special, incidental, punitive, consequential (including, without limitation, lost profits) or any other damages. (www.msci.com)

CANNEX 

CFRA
Copyright © 2021, Accounting Research & Analytics, LLC d/b/a CFRA (and its affiliates, as applicable). Reproduction of content provided by CFRA in any form is prohibited except with the prior written permission of CFRA. CFRA content is not investment advice and a reference to or observation concerning a security or investment provided in the CFRA SERVICES is not a recommendation to buy, sell or hold such investment or security or make any other investment decisions. The CFRA content contains opinions of CFRA based upon publicly-available information that CFRA believes to be reliable and the opinions are subject to change without notice. This analysis has not been submitted to, nor received approval from, the United States Securities and Exchange Commission or any other regulatory body. CFRA, ITS THIRD-PARTY SUPPLIERS, AND ALL RELATED ENTITIES SPECIFICALLY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. No content provided by CFRA or any part thereof may be modified, reverse engineered, reproduced or distributed in any form by any means, or stored in a database or retrieval system, without the prior written permission of CFRA, and such content shall not be used for any unlawful or unauthorized purposes. CFRA and its third-party providers, as well as its and their directors, officers, shareholders, employees or agents, do not guarantee the accuracy, completeness, timeliness or availability of such content and assume no liability with respect to the consequences of relying on this information for investment or other purposes. In no event shall CFRA, its affiliates, or their third-party suppliers be liable for any direct, indirect, special, or consequential damages, costs, expenses, legal fees, or losses (including lost income or lost profit and opportunity costs) in connection with a subscriber’s, subscriber’s customer’s, or other’s use of CFRA’s content.

Clover

CUSIP
“CUSIP” identifiers have been provided by CUSIP Global Services, managed on behalf of the American Bankers Association by Standards & Poor's Financial Services, LLC, and are not for use or dissemination in a manner that would serve as a substitute for any CUSIP service. The CUSIP Database, Copyright © 2020, American Bankers Association CUSIP Database provided by S&P Global Market Intelligence LLC. All rights reserved. “CUSIP” is a registered trademark of the American Bankers Association. See https://www.cusip.com/pdf/CUSIP_Terms_of_Use.pdf for more information.

eMoney

Envestnet

FactSet
FactSet®* Terms of Use
FactSet Research Systems Inc. (“FactSet”) on behalf of itself and its affiliates agrees to provide, and User agrees to use, the FactSet Data described below according to the terms and conditions below.

  1. License of Databases, Consulting and Software
    1. Subject to the terms and conditions of this Agreement, FactSet grants to User the limited, nonexclusive, nontransferable rights to use its financial data (“FactSet Data”) via this website.

    2. All proprietary rights, including intellectual property rights, in the FactSet Data will remain property of FactSet.

  2. Restrictions of Use; Proprietary Rights
    1. FactSet provides the FactSet Data solely and exclusively for User’s internal use and for business purposes only in User’s business. User will not use or permit any individual or entity under its control to use the FactSet Data for any unlawful or unauthorized purpose.

    2. Except as otherwise expressly provided in this Agreement, User agrees that it will not copy, transfer, distribute, reproduce, reverse engineer, decrypt, decompile, disassemble, create derivative works from or make any part of the FactSet Data available to others. User may use Insubstantial Amounts of the FactSet Data in the normal conduct of its business for use in reports, memoranda and presentations to User’s employees, customers, agents and consultants, but FactSet and its respective affiliates reserve all ownership rights and rights to redistribute the FactSet Data. “Insubstantial Amounts of the FactSet Data” means an amount of the FactSet Data that (i) has no independent commercial value as a database, (ii) could not be used by User as a substitute for the FactSet Data or any part of it, (iii) is not separately marketed by User, an affiliate of User or a third-party source, and (iv) is not regularly or systematically retrieved in a manner that does not satisfy clauses (i), (ii) and (iii) of this definition. FactSet will have the right to require User to cease its use of the FactSet Data immediately if, in the sole reasonable judgment of FactSet, FactSet believes that User’s use involves more than an Insubstantial Amount of the FactSet Data.

    3. FactSet represents and User acknowledges that the FactSet Data and its component parts were developed, compiled, prepared, revised, selected and arranged by FactSet or its affiliates through the application of methods and standards of judgment developed and applied through the expenditure of substantial time, effort, money and originality and that they constitute valuable intellectual property and trade secrets of FactSet. At FactSet’s expense and reasonable request, User agrees to cooperate with FactSet to protect the proprietary rights in the FactSet Data during the term of this Agreement. User covenants to (i) retain all copyright, trademark, service mark and other proprietary notices contained in the FactSet Data on any copy made by User; and (ii) not modify the FactSet Data in a way that would constitute an infringement of any third party intellectual property rights. User agrees to notify FactSet promptly in writing of any unauthorized access or use of which User becomes aware of or any claim that the FactSet Data or any component parts infringes on any copyright, trademark or other contractual or statutory or common law right. Neither party will use any trademarks, website marks, names, logos, or other identifiers of the other party without the prior written permission of the relevant party. In addition, neither party may use the other party’s trademarks: (i) in, as or as part of that party’s own trademarks or those of any third parties, (ii) in a manner likely to cause confusion, or (iii) in a manner that implies inaccurately that a party sponsors, endorses or is otherwise connected with the other party’s own activities, products or services. User will not, under any circumstances, remove any trademarks, copyrights or other related visual marks and logos from the information provided or from any reproduction or redistribution of such information.

  3. Term
    1. FactSet may, in its sole discretion, terminate User’s use of the FactSet Data for any reason including: (i) breach by User of this Agreement, or (ii) conduct by User that is harmful to FactSet’s business.

    2. User may not use, or assist any third party in using, any portion of the FactSet Data in any way to compete with the FactSet Data. If FactSet believes, in good faith, that the User is competing with FactSet, then FactSet may terminate this Agreement, consider the activity a material breach of this Agreement and pursue any and all remedies for the breach.

  4. Indemnification
    User will indemnify and hold harmless FactSet against all claims or demands by and liabilities to third parties, including without limitation reasonable attorney’s fees, arising from or in connection with User’s breach of any of its representations, warranties, or covenants in this Agreement and User’s use of the FactSet Data not in accordance with this Agreement.

  5. Warranties and Disclaimers
    1. EXCEPT AS EXPRESSLY PROVIDED IN THIS AGREEMENT, THE FACTSET DATA IS PROVIDED “AS IS” AND ALL REPRESENTATIONS, WARRANTIES, TERMS, AND CONDITIONS, ORAL OR WRITTEN, EXPRESS OR IMPLIED (BY COMMON LAW, STATUTE OR OTHERWISE), IN RELATION TO THE FACTSET DATA ARE HEREBY EXCLUDED AND DISCLAIMED TO THE FULLEST EXTENT PERMITTED BY LAW. IN PARTICULAR, FACTSET DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND MAKE NO WARRANTY OF ACCURACY, COMPLETENESS, TIMELINESS, FUNCTIONALITY, RELIABILITY, OR SPEED OF DELIVERY OF THE FACTSET DATA. USER AGREES THAT THE FACTSET DATA IS NOT INVESTMENT ADVICE AND ANY OPINIONS OR ASSERTION CONTAINED IN THE FACTSET DATA DO NOT REPRESENT THE OPINIONS OR BELIEFS OF FACTSET OR ITS AFFILIATES OR ANY OF THEIR RESPECTIVE EMPLOYEES. FactSet does not warrant that the FactSet Data will be uninterrupted, error free, or completely secure. FactSet expressly disclaims any liability for any loss or injury caused in whole or in part by negligence or any other error made by human or machine concerning the production, compilation, or distribution of the FactSet Data. User expressly assumes the entire risk for the results and performance of the FactSet Data.
    2. None of FactSet or its respective affiliates will have any liability for any lost profits or direct, indirect, special, consequential, punitive, or exemplary damages, even if advised in advance of the possibility of these types of damages.

  6. Entire Agreement
    This Agreement constitutes the entire Agreement between the parties and supersedes all previous or contemporaneous agreements, whether written or oral, between the parties with respect to any subject matter covered by this Agreement. User may translate this Agreement into other languages for the convenience of User, but the controlling language will be English.

  7. Governing Law
    This Agreement will be governed by, construed, and enforced pursuant to the laws of the state of New York and will be subject to the exclusive jurisdiction of that state without regard to conflicts of laws principles. Any controversy or claim arising out of or relating to this Agreement will be settled by the state or federal courts located in New York, New York. THE PARTIES HEREBY WAIVE THEIR RESPECTIVE RIGHT TO A TRIAL BY JURY. User may not bring a cause of action under or related to this Agreement more than one year after User knew or should have known of the cause of action, and in no case more than one year after the termination of this Agreement.

  8. Confidential Information
    “Confidential Information” means any non-public information obtained under or in connection with the User’s receipt of FactSet Data, including the FactSet Data. Except to the extent required by law or legal process or as otherwise provided herein, User will not disclose any Confidential Information to any third party.

Financial Technology Laboratories, Inc.
Analytics provided by Financial Technology Laboratories, Inc.

 

iPipeline 

Markov Processes International (MPI)

MoneyGuidePro

Morningstar
“®2020 Morningstar. All Rights Reserved. The information contained herein: (1) is
proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.” For more information, see also: https://shareholders.morningstar.com/investor-relations/governance/Compliance--Disclosure/default.aspx

Ned Davis Research, Inc. (NDR)

Plaid
Advisor360° offers account linking and aggregation services ("Services") through Plaid Inc. ("Plaid"). By utilizing these Services, you acknowledge and agree that the terms of Plaid's Privacy Policy (currently located at https://plaid.com/legal/#end-user-privacy-policy) will govern Plaid's use of such information, and you expressly agree to the terms and conditions of Plaid's Privacy Policy. Further, you expressly grant Plaid the right, power, and authority to access and transmit your information as reasonably necessary for Plaid to provide the Services to you.

Plaid Client Flow Down Terms
1. Restrictions. Unless Plaid specifically agrees in writing, Advisor360°, LLC clients (hereinafter “Client” or “Clients”) will not, and will not enable or assist any third party to: (i) attempt to reverse engineer (except as permitted by law), decompile, disassemble, or otherwise attempt to discover the source code, object code, or underlying structure, or algorithms of the Plaid services described at www.plaid.com (the, “Services”); (ii) modify, translate, or create derivative works based on the Services (for clarity, this subsection [ii] does not apply to the Output or prohibit the linking of Advisor360° products or services [“Advisor360° Resources”] to the Services); (iii) make the Services or information and data of Client’s business and consumer end users (the “End Users”) provided via the Services (the “Output”) available to, or use the Services or Output for the benefit of, anyone other than Client or End Users; (iv) sell, resell, license, sublicense, distribute, rent, or lease any Services or Output to any third-party, or include any Services or Output in a service bureau, time-sharing, or equivalent offering; (v) publicly disseminate information from any source regarding the performance of the Services or Output; or (vi) attempt to create a substitute or similar service through use of, or access to, the Services or Output. Client will use the Services and Output only in compliance with (a) the Advisor360° Resources, use case, and other restrictions agreed to between Plaid and Advisor360° (the “Partner”), (b) the Plaid developer policies (available at https://plaid.com/legal/#developer-policy), (c) Plaid’s applicable technical user documentation (available at www.plaid.com/docs), and (d) any agreements between Client and End Users. Notwithstanding anything to the contrary, the Client accepts and assumes all responsibility for complying with all applicable laws and regulations in connection with all of Client’s activities involving any Services, Output, or End User data. Client acknowledges and agrees that Plaid is neither a “consumer reporting agency” nor a “furnisher” of information to consumer reporting agencies under the Fair Credit Reporting Act (“FCRA”) and the Output is not a “consumer report” under the FCRA and cannot be used as or in such. Client represents and warrants that it will not, and will not permit or enable any third-party to, use the Services (including Output) as a or as part of a “consumer report” as that term is defined in the FCRA or otherwise use the Services (including Output) such that the Services (including Output) would be deemed “consumer reports” under the FCRA.

2. End Users. Subject to this Section 2, Client may request that Plaid or Partner disclose Output or a Partner product or service incorporating Output (collectively, the “Shared Data”) to End Users.
(i) Notwithstanding anything to the contrary: (a) Client is solely responsible for its own relationships with End Users and with Partner, including any related billing matters, technical support, or disputes; (b) Client or Partner will enter into legally binding written agreements with each End User that are consistent with this Section 2 and all applicable terms and conditions of these Client Flow Down Terms, including, without limitation, Section 1 (Restrictions); and (c) Client will remain responsible for compliance by End Users with all of the terms and conditions of these Client Flow Down Terms (including, without limitation, terms relating to use of Output or Shared Data).
Client will be fully liable for: (a) any breach by Client of this Section 2, (b) any acts or omissions of End Users, and (c) any dispute arising among Client, Partner, End Users, and/or End Users relating to the disclosure or use of Shared Data as contemplated in this Section 2.

3. Information Security. Client will maintain a comprehensive written information security program approved by its senior management (“Infosec Program”). The Infosec Program will include administrative, technical, and physical measures designed to: (a) ensure the security of End User information and data, (b) protect against unauthorized access to or use of End User information and data and anticipated threats and hazards to End User information and data and (c) ensure the proper disposal of End User information and data. The Infosec Program will be appropriate to Client’s risk profile and activities, the nature of the Client’s systems, and the nature of the End User information and data received by Client. In any event, the Infosec Program will meet or exceed applicable control objectives captured in industry standards and best practices such as AICPA Trust Services Criteria for Security, NIST 800-53, or ISO 27002 and will comply with applicable laws. Client will use up-to-date antivirus software and anti-malware tools designed to prevent viruses, malware, and other malicious code on Client’s systems.

4. Privacy and Authorizations. Before any End User engages with the Partner products or services, which include, are derived from, or incorporate the Services, the Partner will ensure that it provides all notices and obtains all consents required under applicable law to enable Plaid to process End User data in accordance with Plaid’s privacy policy (currently available at https://plaid.com/legal/#end-user-privacy-policy). Client will not (i) make representations or other statements with respect to End User data that are contrary to or otherwise inconsistent with Plaid’s privacy policy or (ii) interfere with any independent efforts by Plaid to provide End User notice or obtain End User consent.

WARRANTY; DISCLAIMER; ENFORCEMENT. THE SERVICES ARE PROVIDED “AS IS.” TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER PLAID NOR ITS AFFILIATES, SUPPLIERS, LICENSORS, AND DISTRIBUTORS MAKE ANY WARRANTY OF ANY KIND, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, OR ANY WARRANTY THAT THE SERVICES ARE FREE FROM DEFECTS. PLAID DOES NOT MAKE ANY WARRANTY AS TO THE OUTPUT THAT MAY BE OBTAINED FROM USE OF THE SERVICES. PLAID WILL BE AN INTENDED THIRD-PARTY BENEFICIARY OF THE AGREEMENT BETWEEN PARTNER AND CLIENT AND MAY DIRECTLY ENFORCE SUCH AGREEMENT AGAINST CLIENT, WITHOUT PARTNER’S CONSENT OR PARTICIPATION, BUT SOLELY RELATING TO THE OUTPUT OR SERVICES PROVIDED BY PLAID TO PARTNER OR CLIENT.


Quicken

RightCapital

Refinitiv/Thomson Reuters
 Copyright ©2018, Refinitiv. All rights reserved. Refinitiv Holdings Limited ("Refinitiv") and its affiliates are referred to below as "Refinitiv."
 
The "Information Product" is any data or service  provided  by Refinitiv. Refinitiv or its third party providers own and retain all rights, title and interest, including but not limited to copyright, trademarks, patents, database rights, trade secrets, know-how, and all other intellectual property rights or forms of protection of similar nature or having equivalent effect, anywhere in the world, in the Information Product and user is not granted any proprietary interest therein or thereto. The Information Product constitutes confidential and trade secrets of Refinitiv or its third party providers. Display, performance, reproduction, distribution of, or creation of derivative works or improvements from Information Product in any form or manner is expressly prohibited, except to the extent expressly permitted hereunder, or otherwise, with the prior written permission of Refinitiv.
 
User may use the Information Product for internal purposes only. User may copy, paste, and distribute internally only an insubstantial amount of the data contained in the Information Product provided that: (a) the distribution is incidental to or supports user's business purpose; (b) the data is not distributed by user in connection with information vending or commercial publishing (in any manner or format whatsoever), not reproduced through the press or mass media or on the Internet; and (c) where practicable, clearly identifies Refinitiv or its third-party providers as the source of the data. Data will be considered in "insubstantial amount" if such amount (a) has no independent commercial value; or (b) could not be used by the recipient as a substitute for any product or service (including any download service) provided by Refinitiv or a substantial part of it.
 
To the extent that the Information Product contains any third-party data referred to in the General Restrictions/Notices page set forth on http://www.thomsonreuters.com/datause, the terms set forth on such General Restrictions/Notices page shall apply to user.
 
User acknowledges that access to certain elements of the Information Product may cease or may be made subject to certain conditions by Refinitiv or upon the instructions of the third-party provider of those elements. Upon termination or expiration of this user license, all rights granted hereunder shall immediately terminate and user shall cease to use the Information Product and delete or destroy all copies thereof in its possession or control.
 
NEITHER REFINITIV NOR ITS THIRD-PARTY PROVIDERS WARRANT THAT THE PROVISION OF THE INFORMATION PRODUCT WILL BE UNINTERRUPTED, ERROR FREE, TIMELY, COMPLETE, OR ACCURATE, NOR DO THEY MAKE ANY WARRANTIES AS TO THE RESULTS TO BE OBTAINED FROM USE OF THE SAME. USE OF THE INFORMATION PRODUCT AND RELIANCE THEREON IS AT USER'S SOLE RISK. NEITHER REFINITIV OR ITS THIRD-PARTY PROVIDERS WILL IN ANY WAY BE LIABLE TO USER OR ANY OTHER ENTITY OR PERSON FOR THEIR INABILITY TO USE THE INFORMATION PRODUCT, OR FOR ANY INACCURACIES, ERRORS, OMISSIONS, DELAYS, COMPUTER VIRUS, OR OTHER INFIRMITY OR CORRUPTION, DAMAGES, CLAIMS, LIABILITIES, OR LOSSES, REGARDLESS OF CAUSE, IN OR ARISING FROM THE USE OF THE INFORMATION PRODUCT. THE INFORMATION PRODUCT IS PROVIDED ON AN "AS IS" BASIS AND WITHOUT WARRANTY OF ANY KIND. NO WARRANTIES EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, INFRINGEMENT OR OTHERWISE IS PROVIDED HEREUNDER.
 
IN NO EVENT WILL REFINITIV OR ITS THIRD-PARTY PROVIDERS BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH INFORMATION PRODUCT EVEN IF REFINITIV OR ITS THIRD-PARTY PROVIDERS OR THEIR REPRESENTATIVES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES. FURTHER, REFINITIV OR ITS PARTY PROVIDERS SHALL NOT BE LIABLE IN ANY MANNER FOR REDISTRIBUTOR'S PRODUCTS OR SERVICES.
 
Twilio
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:
  • Adversely impacting the availability, reliability, or stability of Twilio's Services.
  • Launching or facilitating, whether intentionally or unintentionally, a denial of service attack on any of Twilio's Services.
  • Attempting to bypass or break any security mechanism on any of the Services or using the Services in any other manner that poses a security or service risk to Twilio, to any user of our Services, or to any of our or their respective customers.
  • Testing or reverse-engineering the Services in order to find limitations, vulnerabilities or evade filtering capabilities.
  • Using the Services in any manner that may subject Twilio or any third party to liability, damages or danger.
  • Using the Services in any manner that violates any applicable third-party policies or requirements that Twilio has communicated to the customer.
  • 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.
  • Using your account to engage in fraudulent activity with respect to third parties or otherwise using your account to bypass phone identification systems such as those by classified advertising websites.
  • 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.
  • Engaging in activities or transmitting through the Services any information that may be libelous or defamatory or otherwise malicious or harmful to any person or entity, or discriminatory based on race, sex, religion, nationality, disability, sexual orientation, or age.
  • 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.
  • Violating or facilitating the violation of any U.S. or foreign law regarding the transmission of technical data or software.
  • 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.