Terms of Use

Effective Date: [Insert Date]
Last Updated: [Insert Date]

1. Introduction and Acceptance of Terms

Welcome to DGInterSoft (“Company,” “we,” “us,” or “our”) websites. These Terms of Use (“Terms”) govern your access to and use of our websites, applications, cloud-based software, and related services (collectively, the “Services”).

Our Services may include:

Digital media asset management, storage, organization, collaboration, and distribution tools; and
Cloud-based personal finance and bookkeeping software.

By creating an account, accessing, or using the Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you may not use the Services.

If you use the Services on behalf of a company or other organization, you represent that you have authority to bind that organization to these Terms.

2. Eligibility and Accounts

You must provide accurate, current, and complete information when creating and maintaining an account.

You are responsible for:

Maintaining the confidentiality of your login credentials;
All activity occurring under your account;
Ensuring that authorized users comply with these Terms; and
Promptly notifying us of suspected unauthorized access or security incidents.

You must not share account credentials except as expressly permitted by the Services.

3. The Services

3.1 Digital Media Asset Management

Our Services may allow you to upload, store, organize, search, modify, collaborate on, and distribute digital media assets, including images, video, audio, documents, and related metadata (“Media Assets”).

You retain ownership of your Media Assets, subject to the licenses necessary for us to provide the Services.

3.2 Personal Finance and Bookkeeping Tools

Our Services may allow you to organize, track, categorize, analyze, and report personal financial and bookkeeping information (“Financial Information”).

The Services are not a bank, broker, investment adviser, tax adviser, accountant, or law firm.

Unless expressly stated otherwise in a separate agreement, information provided through the Services:

Is for informational and organizational purposes;
Does not constitute financial, investment, tax, accounting, or legal advice; and
Should not be relied upon as a substitute for professional advice.

You are solely responsible for reviewing the accuracy of your Financial Information and any reports, calculations, or categorizations generated by the Services.

4. Your Content and Data

“User Content” means Media Assets, Financial Information, documents, data, metadata, and other information that you upload, submit, store, transmit, or otherwise make available through the Services.

You retain ownership of your User Content.

You grant us a limited, worldwide, non-exclusive license to host, store, process, reproduce, transmit, and display your User Content solely as reasonably necessary to:

Provide and operate the Services;
Maintain security and prevent fraud or abuse;
Provide customer support;
Improve and maintain the Services, subject to applicable law and our Privacy Policy; and
Comply with legal obligations.

We do not claim ownership of your User Content.

You represent and warrant that you have all necessary rights, permissions, licenses, and authority to upload and use your User Content through the Services.

5. Intellectual Property and Copyright

You may not upload, store, distribute, or otherwise use through the Services any content that infringes another person's or organization's intellectual property rights.

You are responsible for obtaining appropriate rights and permissions for all Media Assets you upload or distribute.

We may remove or restrict access to content that we reasonably believe:

Infringes intellectual property rights;
Violates applicable law;
Violates these Terms; or
Creates a security, legal, or operational risk.

We may suspend or terminate repeat infringers where appropriate and in accordance with applicable law.

6. Acceptable Use

You agree not to use the Services to:

Violate any applicable law or regulation;
Infringe intellectual property, privacy, publicity, or other rights;
Upload malware, ransomware, viruses, or malicious code;
Attempt unauthorized access to accounts, systems, networks, or data;
Interfere with or disrupt the security or operation of the Services;
Use automated means to access the Services without authorization;
Reverse engineer, decompile, or attempt to discover source code except where prohibited by law;
Use the Services to distribute unlawful, fraudulent, or harmful material;
Misrepresent your identity or affiliation; or
Use the Services in a manner that could damage, disable, or impair the Services or other users.

7. Privacy and Data Protection

Our collection and use of personal information is governed by our Privacy Policy, which should be read together with these Terms.

We process personal information in accordance with applicable privacy and data protection laws, including, where applicable:

The European Union General Data Protection Regulation (“GDPR”);
The UK GDPR;
The California Consumer Privacy Act, as amended by the California Privacy Rights Act (“CCPA/CPRA”); and
Other applicable United States state privacy laws.

7.1 GDPR

If GDPR applies to the processing of your personal data, you may have rights including:

The right to access your personal data;
The right to correct inaccurate personal data;
The right to request deletion of personal data, subject to legal exceptions;
The right to restrict certain processing;
The right to object to certain processing;
The right to data portability where applicable; and
The right to withdraw consent where processing is based on consent.

Where we process personal data on behalf of a business customer, the parties may enter into a separate Data Processing Agreement (“DPA”) defining their respective responsibilities as controller and processor.

7.2 International Data Transfers

Your information may be processed or stored in countries other than the country in which you reside.

Where required by applicable law, we will implement appropriate safeguards for international transfers of personal data, which may include legally approved contractual mechanisms or other recognized safeguards.

7.3 California Privacy Rights

California residents may have rights under the CCPA/CPRA, including, subject to applicable exceptions:

The right to know what personal information we collect;
The right to access certain personal information;
The right to request deletion of personal information;
The right to correct inaccurate personal information;
The right to opt out of certain sharing or sale of personal information, where applicable;
The right to limit certain uses of sensitive personal information, where applicable; and
The right not to receive discriminatory treatment for exercising privacy rights.

We will provide information regarding the categories of personal information we collect, use, disclose, and retain in our Privacy Policy or another applicable privacy notice.

7.4 Privacy Requests

You may exercise applicable privacy rights by contacting us at:

[Privacy Contact Email]

We may need to verify your identity before processing certain requests.

You may also have the right to authorize an agent to submit certain requests on your behalf, subject to verification and applicable law.

8. Sensitive Information and Financial Data

Financial Information may be considered sensitive or highly confidential information.

You are responsible for determining what information you choose to upload to the Services.

Unless specifically supported and secured through an expressly designated feature, you should not upload:

Bank account credentials;
Credit or debit card numbers;
Social Security numbers;
Government identification numbers;
Account passwords; or
Other highly sensitive information not necessary for the intended use of the Services.

We implement reasonable administrative, technical, and organizational measures designed to protect information. However, no online service or data transmission can be guaranteed to be completely secure.

9. Data Security

We use reasonable and appropriate security measures designed to protect the Services and information processed through them.

However, you acknowledge that:

No security system is completely secure;
Internet communications may be subject to risks;
You are responsible for maintaining secure credentials; and
You should promptly notify us of suspected unauthorized access.

To the maximum extent permitted by law, we cannot guarantee that unauthorized third parties will never gain access to your information.

10. Third-Party Services

The Services may integrate with or provide access to third-party services, including cloud infrastructure, financial institutions, payment processors, storage providers, or other technology providers.

Your use of third-party services may be governed by separate terms and privacy policies.

We are not responsible for third-party services except to the extent required by applicable law.

11. Service Availability and Changes

We may modify, update, suspend, or discontinue any part of the Services from time to time.

We do not guarantee that the Services will always be available, uninterrupted, error-free, or compatible with every device or system.

Where reasonably practicable, we will provide notice of material changes or planned service interruptions.

12. Fees and Payments

Certain Services may require payment.

If you purchase a paid subscription:

You agree to pay all applicable fees;
Fees may be charged on a recurring basis as described at the time of purchase;
Taxes may apply;
Subscription terms and renewal terms will be disclosed during purchase; and
Failure to pay may result in suspension or termination of access.

Unless required by law or otherwise stated, fees are non-refundable.

13. Suspension and Termination

You may stop using the Services and close your account at any time, subject to applicable subscription obligations.

We may suspend or terminate access to the Services if we reasonably believe that you:

Violated these Terms;
Created a security or legal risk;
Engaged in fraudulent or abusive activity; or
Failed to pay applicable fees.

Upon termination, your right to use the Services will end.

You may have an opportunity to export your User Content, subject to the applicable subscription plan, technical limitations, retention policies, and applicable law.

We may retain certain information where required or permitted by law, including for security, fraud prevention, legal compliance, and dispute resolution.

14. Disclaimers

THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS TO THE MAXIMUM EXTENT PERMITTED BY LAW.

WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND UNINTERRUPTED OR ERROR-FREE OPERATION.

WE DO NOT WARRANT THAT:

THE SERVICES WILL MEET YOUR REQUIREMENTS;
DATA WILL ALWAYS BE ACCURATE OR COMPLETE;
FINANCIAL CALCULATIONS OR REPORTS WILL BE ERROR-FREE;
MEDIA ASSETS WILL NEVER BE LOST OR CORRUPTED; OR
THE SERVICES WILL ALWAYS BE AVAILABLE.

You should maintain appropriate backups of important Media Assets and Financial Information.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, [COMPANY NAME] AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY ARISING FROM OR RELATED TO THE SERVICES WILL NOT EXCEED THE GREATER OF:

THE AMOUNT YOU PAID US FOR THE SERVICES DURING THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY; OR
US $100.

Some jurisdictions do not permit certain limitations of liability. In those jurisdictions, these limitations apply only to the extent permitted by law.

Nothing in these Terms excludes or limits liability that cannot legally be excluded or limited.

16. Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless [Company Name] and its affiliates, officers, directors, employees, and agents from claims, damages, losses, liabilities, and expenses arising from:

Your User Content;
Your violation of these Terms;
Your violation of applicable law; or
Your infringement of another person's rights.

17. Governing Law and Disputes

These Terms are governed by the laws of [State/Country], without regard to conflict-of-law principles.

Any dispute arising from these Terms or the Services will be resolved in the courts located in [County, State/Country], unless applicable law requires otherwise.

Nothing in these Terms limits mandatory consumer protection rights that apply in your jurisdiction.

18. Changes to These Terms

We may update these Terms from time to time.

If we make material changes, we will provide notice as required by applicable law, such as through the Services, by email, or by posting an updated version.

Your continued use of the Services after the effective date of updated Terms constitutes acceptance of the revised Terms, except where additional consent is required by law.

19. Contact Information

If you have questions about these Terms or the Services, please contact:

[Company Name]
[Company Address]
[Support Email]
[Privacy Contact Email]

20. Important Legal Notice

These Terms are intended as a general starting point for a cloud-based digital media asset management and personal finance bookkeeping service. They should be reviewed and customized by qualified legal counsel before publication, particularly to address:

Your specific business model and jurisdiction;
Whether you act as a GDPR controller or processor;
Your actual data collection and retention practices;
California CCPA/CPRA notice requirements;
Data Processing Agreements and international data transfers;
Financial-data integrations and applicable financial regulations;
Subscription, billing, and consumer protection requirements; and
Any industry-specific requirements applicable to your customers.