“Cookies” are small data files transferred by a website to your computer’s hard drive. Grō Capital or its service providers send cookies when you surf our Site or sites where Grō Capital ads appear, make purchases, request or personalize information, or register yourself for certain services. Accepting the cookies used on our Site, sites that are “powered by” another company on Grō Capital’s behalf, or sites where our ads appear may give us access to information about your browsing preferences, which we may use to personalize and enhance your experience. Cookies are typically classified as either “session” cookies or “persistent” cookies.
Session cookies do not stay on your computer after you close your browser.
Persistent cookies remain on your computer until you delete them or they expire.
Generally speaking, web browsers automatically accept cookies by default. That being said, you can typically prevent cookies or selectively accept cookies by adjusting the preferences in your browser. If cookies are not accepted, most features of our site will not be available to you.
Grō Capital does not store passwords or any other information about a visitor without an Grō Capital account in a cookie that would identify them, locate them, and determine their preferences or their financial activity. Aggregated client information may help Grō Capital assess the performance of its website and develop strategies to maximize utility.
How long does Grō Capital keep personal information?
Grō Capital will maintain the information that is necessary to enable Grō Capital to provide the requested service and only for as long as it takes Grō Capital to provide any such requested service.
Grō Capital may still need to keep personal details of clients to ensure that systems reflect your preferences even if a client has chosen to opt out of allowing Grō Capital to use that client’s personal details for marketing purposes.
Grō Capital may keep records of any transactions a client enters into on the Grō Capital Website for a minimum of six years from the end of Grō Capital’s relationship with the client.
Grō Capital may keep other information about a client only to the extent necessary to comply with applicable laws and to further legitimate business needs.
Restrictions. You shall not and shall not permit any third party to, directly or indirectly: (a) reverse engineer, decrypt, decompile, decode, disassemble, or otherwise attempt to obtain the source code to the applications developed or owned by Grō Capital (the “Developer Applications”) that are contained in the Site; (b) rent or time-share the Developer Application or host the Developer Application in a multi-tenant environment; (c) remove or destroy any copyright notices, proprietary markings or confidential legends placed upon or contained within the Developer Application or any copies thereof; (d) engage in any activity with the Developer Application that interferes with, disrupts, damages, or accesses in an unauthorized manner the servers, networks, or other properties or services of any third party; and (e) use the Developer Application or data provided via the Developer Application in any way in furtherance of criminal, fraudulent, or other unlawful activity. You must comply with applicable laws and regulations in using, accessing or distributing the Developer Application, including any data provided via the Developer Application.
Data Use. Anonymous, aggregate information, comprising financial account balances, other financial account data, or other available data that is provided to you, may be used by our third party vendors to conduct certain analytical research, performance tracking and benchmarking. Our third party vendors may publish summary or aggregate results relating to metrics comprised of research data, from time to time, and distribute or license such anonymous, aggregated research data for any purpose, including but not limited to, helping to improve products and services and assisting in troubleshooting and technical support. Your personally identifiable information will not be shared with or sold to third parties.
Third Party Services. You understand that the Developer Application may require access to certain third party services (“Third Party Services”). In order to use the Developer Application that uses or collects data from the Third Party Services, you hereby authorize the third party service provider to share your data with Grō Capital. Such data may include your financial or personal information. In addition, you agree that Grō Capital may provide your data to the third party service provider to use in connection with the Third Party Services. You represent and warrant that you have the rights and authority to provide such authorization to the third party service provider and Grō Capital. Your use and/or access to Third Party Services shall be limited to those uses and access rights permitted by the third party service provider. If you access and use the Third Party Services, you are responsible for reviewing and understanding any such terms and conditions governing such Third Party Services. You understand that Grō Capital has no control over the Third Party Services and that your ability to access and use the Third Party Services may be suspended or terminated at any time, for any reason, at the third party service provider’s discretion.
DISCLAIMER. YOU ACKNOWLEDGE AND AGREE THAT THE DEVELOPER APPLICATION, ANY THIRD PARTY SERVICES AND ANY DATA PROVIDED VIA THE THIRD PARTY SERVICES OR DEVELOPER APPLICATION ARE PROVIDED “AS IS” AND “AS AVAILABLE.” GRŌ CAPITAL, ITS LICENSORS AND THIRD PARTY SERVICE PROVIDERS MAKE NO WARRANTY, EXPRESS, IMPLIED, OR STATUTORY AND DISCLAIM ANY AND ALL WARRANTIES WITH RESPECT TO THE DEVELOPER APPLICATION, ANY THIRD PARTY SERVICES OR ANY DATA PROVIDED VIA THE THIRD PARTY SERVICES OR DEVELOPER APPLICATION, IN WHOLE OR IN PART, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, OR NON-INFRINGEMENT. LICENSEE UNDERSTANDS AND AGREES THAT ANY USE OF THE DEVELOPER APPLICATION, THIRD PARTY SERVICES OR DATA PROVIDED VIA THE THIRD PARTY SERVICES OR DEVELOPER APPLICATION WILL BE AT LICENSEE’S SOLE RISK, AND THAT, IF THERE IS ANY LIABILITY IN CONNECTION WITH THE DEVELOPER APPLICATION, INCLUDING LIABILITY ARISING FROM A SECURITY BREACH OR GRŌ CAPITAL’S LACK OF COMPLIANCE WITH APPLICABLE LAWS OR REGULATIONS OR DATA PRIVACY PROTECTION, SUCH LIABILITY IS SOLELY WITH GRŌ CAPITAL AND NOT ITS LICENSORS OR THIRD PARTY SERVICE PROVIDERS.
Access Information and Account Data. You are solely responsible for (i) maintaining the confidentiality and security of your access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information, used by you, or anyone you authorize on your behalf, to access the Site features and your provider accounts (collectively, “Licensee Access Information”), and (ii) preventing unauthorized access to or use of the information, files or data that you store or use in or with the Site features (collectively, “Account Data”). You will be responsible for all electronic communications, including account registration and other account holder information, email and financial, accounting and other data (“Communications”) entered using the Licensee Access Information. It is assumed that any Communications received through use of the Licensee Access Information were sent or authorized by you. You agree to immediately notify us if you become aware of any loss, theft or unauthorized use of any Licensee Access Information. We reserve the right to deny you access to the Site features (or any part thereof) if we reasonably believe that any loss, theft or unauthorized use of Licensee Access Information has occurred. You must inform us of, and hereby grant to us and our third party vendors permission to use, Licensee Access Information to enable us to provide the Site features to you, including updating and maintaining Account Data, addressing errors or service interruptions, and to enhance the types of data and services we may provide to you in the future.
Anonymous, aggregate information, comprising financial account balances, other financial account data, or other available data that is collected through your use of the Site, may be used by our third party vendors to conduct certain analytical research, performance tracking and benchmarking. Our third party vendors may publish summary or aggregate results relating to metrics comprised of research data, from time to time, and distribute or license such anonymous, aggregated research data for any purpose, including but not limited to, helping to improve products and services and assisting in troubleshooting and technical support. Your personally identifiable information will not be shared with or sold to third parties.
Provider Services. In connection with your use of the Site features and as part of the functionality of the Site, you may have access to certain online services or information that may be made available by your provider(s) (“Provider Services”), including online banking, online payment, online investment account download, online bill pay, online trading, and other account information available from your provider(s). The Site is designed to allow you to access Provider Services (if and to the extent provided by your provider(s)) to set up banking and other information, schedule the Site to access your account(s), download transactions into the Site and otherwise aggregate information from your account(s) with your provider(s). You acknowledge and agree that we have no control over the provision of Provider Services or provision of access to the Provider Services by your provider(s), do not guarantee that you will be able to use the Site features with the Provider Services, and will have no liability whatsoever for any actions or inactions on the part of the provider(s) resulting in your inability to use the Site to access your accounts, obtain data, download transactions, or otherwise use or access the Provider Services.
Collection of Provider Account Information. You acknowledge that in accessing your data and information through the Site features, your provider account access number(s), password(s), security question(s) and answer(s), account number(s), login information, and any other security or access information, and the actual data in your account(s) with such provider(s) such as bank and other account balances, credit card charges, debits and deposits (collectively, “Provider Account Data”), may be collected and stored in the Site. You authorize us and our third party vendors, in conjunction with the operation and hosting of the Site features, to use certain Provider Account Data to (i) collect your Provider Account Data, (ii) reformat and manipulate such Provider Account Data, (iii) create and provide hypertext links to your provider(s), (iv) access the providers’ websites using your Provider Account Data, (v) update and maintain your account information, (vi) address errors or service interruptions, (vii) enhance the type of data and services we can provide to you in the future, and (viii) take such other actions as are reasonably necessary to perform the actions described in (i) through (vii) above. You hereby represent that you are the legal owner of your Provider Account Data and that you have the authority to appoint, and hereby expressly do appoint, us or our third party vendors as your agent with limited power of attorney to access and retrieve your Provider Account Data on your behalf. You further acknowledge that we do not, nor does our third party vendor review your Provider Account Data and agree that we are not responsible for its completeness or accuracy. Any transactions or informational activities performed at any provider’s website are not made through the Site and we assume no responsibility for such transactions or activities. You are solely responsible for any charges associated with your provider(s).
Information from Providers’ Websites. You acknowledge and agree that (i) some providers may not allow the Site to access the Provider Services, (ii) providers may make changes to their websites, with or without notice to us, that may prevent or delay aggregation of information from such websites, and (iii) the Site may “refresh” the Provider Account Data by collecting the Provider Account Data nightly, so your most recent transactions may not be reflected in any account balances or other account information presented to you in the Site features. If you see a discrepancy in the Provider Account Data, and in any case before making any transactions or decisions based on such account information presented in the Site features, you should check the last refresh date for the account and confirm Provider Account Data is correct by following the link back to the applicable provider or otherwise confirm that Provider Account Data is up to date and accurate.
Software Use, Storage and Access. We shall have the right, in our sole discretion and with reasonable notice, to establish or change limits concerning use of the Site features, temporarily or permanently, including but not limited to (i) the amount of storage space you have on the Site at any time, and (ii) the number of times (and the maximum duration for which) you may access the Site in a given period of time. We reserve the right to make any such changes effective immediately to maintain the security of the system or Licensee Access Information or to comply with any laws or regulations, and to provide you with electronic or written notice within thirty (30) days after such change. You may reject changes by discontinuing use of the Site features to which such changes relate. Your continued use of the Site will constitute your acceptance of and agreement with such changes. Maintenance upon the Site may be performed from time-to-time resulting in interrupted service, delays or errors in the Site features. Attempts to provide prior notice of scheduled maintenance will be made, but provider cannot guarantee that such notice will be provided.
Export Restrictions. You acknowledge that the Site features and any software underlying such Site are subject to the U.S. Export Administration Regulations (15 CFR, Chapter VII) and that you will comply with these regulations. You will not export or re-export the software or Site features, directly or indirectly, to: (1) any countries that are subject to U.S. export restrictions; (2) any end user who has been prohibited from participating in U.S. export transactions by any federal agency of the U.S. government; or (3) any end user who you know or have reason to know will utilize them in the design, development or production of nuclear, chemical or biological weapons. You further acknowledge that this product may include technical data subject to export and re-export restrictions imposed by U.S. law.
DISCLAIMER. YOU ACKNOWLEDGE AND AGREE THAT THE SITE, ANY THIRD PARTY SERVICES AND ANY DATA PROVIDED VIA THE SITE OR THIRD PARTY SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” THE THIRD PARTY VENDOR AND ITS LICENSORS MAKE NO WARRANTY, EXPRESS, IMPLIED, OR STATUTORY, AND DISCLAIM ANY AND ALL WARRANTIES WITH RESPECT TO THE SITE, ANY THIRD PARTY SERVICES OR ANY DATA PROVIDED VIA THE SITE OR THIRD PARTY SERVICE, IN WHOLE OR IN PART, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, TITLE, OR NON-INFRINGEMENT. YOU UNDERSTAND AND EXPRESSLY AGREE THAT ANY USE OF THE SITE, THIRD PARTY SERVICES OR DATA PROVIDED VIA THE SITE OR THIRD PARTY SERVICE WILL BE AT YOUR SOLE RISK. GRŌ CAPITAL AND ITS (I) LICENSORS AND (II) THIRD PARTY VENDORS DO NOT WARRANT THE COMPREHENSIVENESS, COMPLETENESS, CORRECTNESS, LEGALITY, OR ACCURACY OF THE SITE, THIRD PARTY SERVICES OR DATA PROVIDED VIA THE SITE OR THIRD PARTY SERVICE, IN WHOLE OR IN PART, OR THAT THE SITE OR THIRD PARTY SERVICE WILL BE SECURE, UNINTERRUPTED OR ERROR FREE. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM, APPLICATION OR OTHER DEVICE OR LOSS OF DATA THAT RESULTS FROM YOUR USE OF THE SITE, THIRD PARTY SERVICES OR DATA PROVIDED VIA THE SITE OR THIRD PARTY SERVICE.