ProActive Terms of Service

Last Updated: May 21, 2016

Welcome to ProActive! Please read these Terms of Service (the “Terms”) carefully because they are an agreement between you and ProActive (“ProActive,” “we,” “us” or “our”) that governs your use of our personal finance service accessible via our mobile device application (“App”). To make these Terms easier to read, our service and the App are collectively called the “Services.”

Agreement Terms

By selecting the button ‘I have read and agree to ProActive’s Terms of Service and Privacy Policy’ or by using our Services, you agree to be bound by these Terms and by our Privacy Policy. If you don’t agree to these Terms and our Privacy Policy, do not use the Services.

Privacy Policy

Please refer to our Privacy Policy  for information on how we collect, use and disclose information from our users. You acknowledge and agree that your use of the Services is subject to our Privacy Policy.

Changes to Terms or Services

We may modify the Terms at any time, in our sole discretion. If we do so, we’ll let you know either by posting the modified Terms on the Services or through other communications. It’s important that you review the Terms whenever we modify them because if you continue to use the Services after we have posted modified Terms on the Services, you are indicating to us that you agree to be bound by the modified Terms. If you don’t agree to be bound by the modified Terms, then you may not use the Services anymore. Because our Services are evolving over time we may change or discontinue all or any part of the Services, at any time and without notice, at our sole discretion.


Who May Use the Services

Eligibility. You may use the Services only if you are a resident of the United States of America, are 18 years or older and capable of forming a binding contract with ProActive and are not barred from using the Services under applicable law.
Registration and Your Information. If you want to use the Services you’ll have to create an account (“Account”). You can do this via the App. It’s important that you provide us with accurate, complete and up-to-date information for your Account and you agree to update such information, as needed, to keep it accurate, complete and up-to-date. If you don’t, we might have to suspend or terminate your Account. You agree that you won’t disclose your Account password to anyone and you’ll notify us immediately of any unauthorized use of your Account.
You’re responsible for all activities that occur under your Account, whether or not you know about them.
In addition, if you want to use certain features of the Services, you will need to link your Account with your accounts at third party financial institutions (e.g., banks and credit card companies) (“Financial Institution Accounts”) so we can access the transaction history of your Financial Institution Accounts (“Transaction History”). This will be processed by our third party service provider. ProActive never stores or views the login credentials to your Financial Institution Accounts.

Bank-to-Bank Transfers

Through the Services you will be able to access and use a fund transfer feature provided by one of our services providers, Dwolla, Inc. (“Dwolla”), that will enable you to transfer funds among your Financial Institution Accounts (the “Funds Transfer Services”). In order to use the Funds Transfer Services through our Services, you will need to open an account with Dwolla via the Services (a “Dwolla Account”) and you will need to accept Dwolla’s Terms of Services and Privacy Policy (the “Dwolla Terms”) which you will have an opportunity to review during the Dwolla Account creation process. You can access and manage your Dwolla Account only through the Services and not directly through Dwolla’s website. All notifications regarding your Dwolla Account activity will be sent by ProActive, not Dwolla. Any funds held in your Dwolla Account will be held by Dwolla’s financial institution partners as set out in the Dwolla Terms. By opening the Dwolla Account through the Services, you authorize ProActive to share your Data with Dwolla for the purposes of opening, managing and supporting your Dwolla Account and providing you with the Funds Transfer Services, and that you are responsible for providing accurate and complete information for these purposes.


Customer support to the Services (including your Dwolla Account) is available to you. Please contact us at for our support to the Services.


We welcome feedback, comments and suggestions for improvements to the Services (“Feedback”). You can submit Feedback by emailing us at You grant to us a non-exclusive, worldwide, perpetual, irrevocable, fully-paid, royalty-free, sublicensable and transferable license under any and all intellectual property rights that you own or control to use, copy, modify, create derivative works based upon and otherwise exploit the Feedback for any purpose.

Proprietary Rights and License

ProActive and its licensors exclusively own all right, title and interest in and to the Services, including all associated intellectual property rights. You acknowledge that the Services are protected by laws of the United States and foreign countries. You agree not to remove, alter or obscure any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying the Services.
Rights Granted by ProActive. Subject to your compliance with these Terms, ProActive grants you a limited, revocable, non-exclusive, non-transferable and non-sublicensable license to download and install a copy of the App on a mobile device or computer that you own or control, to run such copy of the App, and to access and use the Services, solely in connection with your permitted use of the Services and solely for your own personal and non-commercial purposes. Except as expressly permitted in these Terms, you may not: (i) copy, modify or create derivative works based on the App; (ii) distribute, transfer, sublicense, lease, lend or rent the App to any third party; (iii) reverse engineer, decompile or disassemble the App; or (iv) make the functionality of the App available to multiple users through any means. ProActive reserves all rights in and to the Services not expressly granted to you under these Terms.
Your Data. We do not claim any ownership rights in any data or information, including but not limited to Transaction History, that are provided by or on behalf of you through the Services (“Data”). Nothing in this Agreement will be deemed to restrict any rights that you may have to use and exploit the Data. You hereby grant to ProActive a non-exclusive, sublicenseable, worldwide, transferable, royalty-free license to use, access, collect, transmit, store, copy, process and analyze the Data solely in connection with use of the Services and our provision of the Services to you. You represent and warrant that you or your licensors own all right, title and interest in and to the Data and that you have all rights in the Data that are necessary and sufficient to use this Data in connection with your Account on the Services, and to grant to ProActive the rights in the Data that you grant to ProActive under this Agreement.

General Prohibitions and ProActive’s Enforcement Rights

You agree not to do any of the following:

  • Use, display, mirror or frame the Services or any individual element within the Services, ProActive’s name, any ProActive trademark, logo or other proprietary information, or the layout and design of any page or form contained on a page, without ProActive’s express written consent;
  • Access, tamper with, or use non-public areas of the Services, ProActive’s computer systems, or the technical delivery systems of ProActive’s providers;
  • Attempt to probe, scan or test the vulnerability of any ProActive system or network or breach any security or authentication measures;
  • Avoid, bypass, remove, deactivate, impair, descramble or otherwise circumvent any technological measure implemented by ProActive or any of ProActive’s providers or any other third party (including another user) to protect the Services;
  • Attempt to access or search the Services or download content from the Services through the use of any engine, software, tool, agent, device or mechanism (including spiders, robots, crawlers, data mining tools or the like) other than the software and/or search agents provided by ProActive or other generally available third-party web browsers;
  • Send any unsolicited or unauthorized advertising, promotional materials, email, junk mail, spam, chain letters or other form of solicitation;
  • Use any meta tags or other hidden text or metadata utilizing a ProActive trademark, logo URL or product name without ProActive’s express written consent;
  • Use the Services, or any portion thereof, for any commercial purpose or for the benefit of any third party or in any manner not permitted by these Terms;
  • Forge any TCP/IP packet header or any part of the header information in any email or newsgroup posting, or in any way use the Services to send altered, deceptive or false source-identifying information;
  • Attempt to decipher, decompile, disassemble or reverse engineer any of the software used to provide the Services;
  • Attempt to gain control of another user’s account for any reason;
  • Connect any account that you do not rightfully and lawfully control;
  • Interfere with, or attempt to interfere with, the access of any user, host or network, including, without limitation, sending a virus, overloading, flooding, spamming, or mail-bombing the Services;
  • Collect or store any personally identifiable information from the Services from other users of the Services without their express permission;
  • Impersonate or misrepresent your affiliation with any person or entity;
  • Violate any applicable law or regulation;
  • or

  • Encourage or enable any other individual to do any of the foregoing.

Although we’re not obligated to monitor access to or use of the Services, we have the right to do so for the purpose of operating the Services, to ensure compliance with these Terms, and to comply with applicable law or other legal requirements. We have the right to investigate violations of these Terms or conduct that affects the Services. We may also consult and cooperate with law enforcement authorities to prosecute users who violate the law.

Links to Third Party Websites, Services or Resources

The Services may contain links to third-party websites, services or resources, including, but not limited to, the Funds Transfer Services provided by Dwolla. We are not responsible for the content, products or services on or available from those websites, services, resources or links displayed on such websites, services or resources. You acknowledge sole responsibility for and assume all risk arising from, your use of any third-party websites, services or resources. You acknowledge and agree that ProActive will have no liability to you arising out of your access to or use of any third-party websites, services or resources, including, but not limited to, the Funds Transfer Services provided by Dwolla.


We may terminate your access to and use of the Services, at our sole discretion, at any time and without notice to you. You may cancel your Account at any time by sending an email to us at If you cancel your Account, we will terminate your Account and you may not retrieve any of your record after the cancelation of your Account. Upon any termination, discontinuation or cancellation of Services or your Account, all provisions of these Terms which by their nature should survive will survive, including, without limitation, ownership provisions, warranty disclaimers, limitations of liability, and dispute resolution provisions.

Warranty Disclaimers

The Services are provided “AS IS” and “as available,” without warranty of any kind. Without limiting the foregoing, WE EXPLICITLY DISCLAIM ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT OR NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. We make no warranty that the Services will meet your requirements or be available on an uninterrupted, secure, or error-free basis. We make no warranty regarding the quality, accuracy, timeliness, truthfulness, completeness or reliability of the Services. You acknowledge that any Transaction History stored by ProActive may be subject to corruption of data, loss of personalized settings or other interruptions in availability. ProActive is not responsible for the accuracy or completeness of your Transaction History.
Your reliance on the information available via the Services is at your own risk. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM PROACTIVE, VIA THE SERVICES OR ELSEWHERE WILL CREATE ANY WARRANTY. You assume sole responsibility and liability for any output or results obtained from the use of the Services and for conclusions drawn from and application of such use. ProActive will have no liability for any claims, losses or damage arising out of or in connection with any Data or any actions taken by us at your direction.


You will indemnify and hold harmless ProActive and its officers, directors, employee and agents, from and against any claims, disputes, demands, liabilities, damages, losses, and costs and expenses, including, without limitation, reasonable legal and accounting fees arising out of or in any way connected with (i) your access to or use of the Services, or (ii) your violation of these Terms.

Limitation of Liability

NEITHER ProActive NOR ANY OTHER party involved in creating, producing, or delivering the services will be liable for any incidental, special, exemplary or consequential damages, INCLUDING LOST PROFITS, LOSS OF DATA OR GOODWILL, SERVICE INTERRUPTION, COMPUTER DAMAGE OR SYSTEM FAILURE OR THE COST OF SUBSTITUTE SERVICES arising out of or in connection with these TERMS or from the use OF or inability to use the Services, whether based on warranty, contract, tort (including negligence), PRODUCT LIABILITY or any other legal theory, and whether or not PROACTIVE has been informed of the possibility of such damage, EVEN IF A limited REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
In no event will ProActive’s total liability arising out of or in connection with THESE TERMS OR FROM THE USE OF OR INABILITY TO USE the Services EXCEED ONE HUNDRED US DOLLARS ($100).

Dispute Resolution

Governing Law. These Terms and any action related thereto will be governed by the laws of the State of Utah without regard to its conflict of laws provisions.
Agreement to Arbitrate. You and ProActive agree that any dispute, claim or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation or validity thereof or the use of the Services (collectively, “Disputes”) will be settled by binding arbitration, except that each party retains the right: (i) to bring an individual action in small claims court and (ii) to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation or violation of a party’s copyrights, trademarks, trade secrets, patents or other intellectual property rights (the action described in the foregoing clause (ii), an “IP Protection Action”). Without limiting the preceding sentence, you will also have the right to litigate any other Dispute if you provide ProActive with written notice of your desire to do so by email at within thirty (30) days following the date you first agree to these Terms (such notice, an “Arbitration Opt-out Notice”). If you don’t provide ProActive with an Arbitration Opt-out Notice within the thirty (30) day period, you will be deemed to have knowingly and intentionally waived your right to litigate any Dispute except as expressly set forth in clauses (i) and (ii) above. The exclusive jurisdiction and venue of any IP Protection Action or, if you timely provide ProActive with an Arbitration Opt-out Notice, will be the state and federal courts located in Utah and each of the parties hereto waives any objection to jurisdiction and venue in its courts. Unless you timely provide ProActive with an Arbitration Opt-out Notice, you acknowledge and agree that you and ProActive are each waiving the right to a trial by jury or to participate as a plaintiff or class member in any purported class action or representative proceeding. Further, unless both you and ProActive otherwise agree in writing, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of any class or representative proceeding. If this specific paragraph is held unenforceable, then the entirety of this “Dispute Resolution” section will be deemed void. Except as provided in the preceding sentence, this “Dispute Resolution” section will survive any termination of these Terms.
Arbitration Rules. The arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with the Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes (the “AAA Rules”) then in effect, except as modified by this “Dispute Resolution” section. (The AAA Rules are available at by calling the AAA at 1-800-778-7879.) The Federal Arbitration Act will govern the interpretation and enforcement of this Section.
Arbitration Process. A party who desires to initiate arbitration must provide the other party with a written Demand for Arbitration as specified in the AAA Rules. (The AAA provides a general Demand for Arbitration form and a separate Demand for Arbitration form for California residents.) The arbitrator will be either a retired judge or an attorney licensed to practice law and will be selected by the parties from the AAA’s roster of arbitrators. If the parties are unable to agree upon an arbitrator within seven (7) days of delivery of the Demand for Arbitration, then the AAA will appoint the arbitrator in accordance with the AAA Rules.
Arbitration Location and Procedure. Unless you and ProActive otherwise agree, the arbitration will be conducted in the county where you reside. If your claim does not exceed $10,000, then the arbitration will be conducted solely on the basis of the documents that you and ProActive submit to the arbitrator, unless you request a hearing or the arbitrator determines that a hearing is necessary. If your claim exceeds $10,000, your right to a hearing will be determined by the AAA Rules. Subject to the AAA Rules, the arbitrator will have the discretion to direct a reasonable exchange of information by the parties, consistent with the expedited nature of the arbitration.
Arbitrator’s Decision. The arbitrator will render an award within the time frame specified in the AAA Rules. The arbitrator’s decision will include the essential findings and conclusions upon which the arbitrator based the award. Judgment on the arbitration award may be entered in any court having jurisdiction thereof. The arbitrator’s award of damages must be consistent with the terms of the “Limitation of Liability” section above as to the types and amounts of damages for which a party may be held liable. The arbitrator may award declaratory or injunctive relief only in favor of the claimant and only to the extent necessary to provide relief warranted by the claimant’s individual claim. If you prevail in arbitration you will be entitled to an award of attorneys’ fees and expenses, to the extent provided under applicable law. ProActive will not seek, and hereby waives all rights it may have under applicable law to recover, attorneys’ fees and expenses if it prevails in arbitration.
Fees. Your responsibility to pay any AAA filing, administrative and arbitrator fees will be solely as set forth in the AAA Rules. However, if your claim for damages does not exceed $75,000, ProActive will pay all such fees unless the arbitrator finds that either the substance of your claim or the relief sought in your Demand for Arbitration was frivolous or was brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)).
Changes. Notwithstanding the provisions of the “Changes to Terms or Services” section above, if ProActive changes this “Dispute Resolution” section after the date you first accepted these Terms (or accepted any subsequent changes to these Terms), you may reject any such change by sending us written notice (including by email to within 30 days of the date such change became effective, as indicated in the “Last Updated” date above or in the date of ProActive’s email to you notifying you of such change. By rejecting any change, you are agreeing that you will arbitrate any Dispute between you and ProActive in accordance with the provisions of this “Dispute Resolution” section as of the date you first accepted these Terms (or accepted any subsequent changes to these Terms).

General Terms

You agree and consent that all communication, authorizations and consents in connection with the Services will be made electronically.
These Terms constitute the entire and exclusive understanding and agreement between ProActive and you regarding the Services, and these Terms supersede and replace any and all prior oral or written understandings or agreements between ProActive and you regarding the Services. If any provision of these Terms is held invalid or unenforceable (either by an arbitrator appointed pursuant to the terms of the “Arbitration” section above or by a court of competent jurisdiction, but only if you timely opt out of arbitration by sending us an Arbitration Opt-out Notice in accordance with the terms set forth above), that provision will be enforced to the maximum extent permissible and the other provisions of these Terms will remain in full force and effect.
You may not assign or transfer these Terms, by operation of law or otherwise, without ProActive’s prior written consent. Any attempt by you to assign or transfer these Terms, without such consent, will be null. ProActive may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors and permitted assigns.
Any notices or other communications provided by ProActive under these Terms, including those regarding modifications to these Terms, will be given: (i) via email; or (ii) by posting to the Services. For notices made by e-mail, the date of receipt will be deemed the date on which such notice is transmitted.
ProActive’s failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of ProActive. Except as expressly set forth in these Terms, the exercise by either party of any of its remedies under these Terms will be without prejudice to its other remedies under these Terms or otherwise.

Contact Information

If you have any questions about these Terms or the Services, please contact ProActive at