Terms of Use

Agreement between you the User and Woven Money

Welcome to Woven Inc. doing business as Credit Crush and Woven Money (collectively "Woven").  Woven is a financial information services Site.  Our services enable users to understand their current financial situation and take steps to improve it.

The Woven website and mobile applications (collectively the "Sites") consists of various web pages and mobile applications operated by Woven and through which Woven offers various services to consumers ("the Services"). The Services, and your use of the Sites are offered to you conditioned on your acceptance without modification of these terms, conditions, and notices (the "Terms"). By using the Sites and the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and to comply with all applicable laws and regulations.

THIS AGREEMENT ALSO INCLUDES, AMONG OTHER THINGS, A BINDING ARBITRATION PROVISION THAT CONTAINS A CLASS ACTION WAIVER. PLEASE REFER TO THE ARBITRATION AGREEMENT AND CLASS ACTION WAIVER BELOW FOR MORE INFORMATION.

Privacy

Your use of Woven is subject to Woven's Privacy Policy. Please review this Privacy Policy, which also governs the Sites and informs users of our data collection practices.

Your Account and Information Accuracy 

If you use the Sites, you must create an account ("Account") and a username and password ("Logon Information") to access your Account.  You are responsible for maintaining the confidentiality of your Logon Information including username and password and for restricting access to your device, and you agree to accept responsibility for all activities that occur using your Logon Information.  You may not assign or otherwise transfer your Logon Information or Account to any other person or entity. You acknowledge that Woven is not responsible for third party access to your Account that results from theft or misappropriation of your account. Woven reserves the right to refuse or cancel service, terminate Accounts, or remove or edit content in our sole discretion.

Eligibility Requirements 

Minimum Age Requirements.  You must be at least 18 years of age or the age of majority in your state to use the Services.  Woven does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. 


Minimum Technology Requirements.  To access and use the Sites and Services, you must have a mobile device with access to the Internet running either Apple iOS 10.3 or higher, or Android 4.1 or higher.  You must also have a valid email address and sufficient storage space to install any required mobile application.  Woven's mobile applications are available on the Apple App Store (for Apple devices) and Google Play Store (for Android devices).

Overview of the Services

Woven offers you personal financial management services that allow you to manage your credit card debt.  While Woven will provide you with recommendations and suggestions to improve your credit, Woven makes no guarantee that it will improve your credit score or otherwise improve your financial situation.  Everyone's financial situation is unique and your credit score may be impacted by a variety of factors.  Credit scoring is done by credit reporting agencies (CRAs).  Woven has no relationship with the CRAs or any of your financial institutions and has no ability to influence them.  


Credit Crush is an app that rewards you the more steps you take to pay off your credit card debt.  By participating in Credit Crush, you will be able to see your progress in paying off your credit card debt, learn tips and tricks for improving your financial situation all in a friendly, game format.  Use of Credit Crush is subject to these Terms and the separate Promotion terms.  Woven makes no guarantee that following guidance provided will lower your credit score or improve your financial situation.  


Use of the Services require you to provide access to your online credit card accounts.  Some credit cards may be incompatible with the Services.  Woven makes no guarantee that all credit cards are compatible with the Services.  Woven makes no guarantee that information it obtains from other websites is accurate or timely.  See "Third Party Accounts" below for more details.  


No Investment or Tax Advice.  Woven does not provide legal, tax or investment advice on the Sites or via the Services.  Woven is not a licensed investment advisor, lawyer, or tax advisor.    

Credit Crush Subscription Fee

Your use of Credit Crush is subject to a subscription fee.  Fee amounts are $6.00 per month and may be changed with 30 days’ notice to you.  If you have purchased a monthly subscription, you may cancel your subscription at any time. Your service will continue until the end of your current billing cycle for any fees you may have already paid in the current month. Following your current billing cycle, your subscription will be canceled and no further charges will be levied against your Account. If Woven offers and you have purchased an annual subscription, you may request a prorated refund by contacting accounting@wovenmoney.com. 

Use of the Services and Sites

Links to Third Party Sites/Third Party Services:  Woven may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of Woven and Woven is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Woven is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Woven of the site or any association with its operators.

Certain services made available via Woven are delivered by third party sites and organizations. By using any product, service or functionality originating from any of the Sites or Services, you hereby acknowledge and consent that Woven may share such information and data with any third party with whom Woven has a contractual relationship to provide the requested product, service or functionality on behalf of Woven users and customers.


No Unlawful or Prohibited Use/Intellectual Property:  You are granted a non-exclusive, non-transferable, revocable license to access and use Woven strictly in accordance with these terms of use. As a condition of your use of the Sites, warrant to Woven that you will not use the Sites for any purpose that is unlawful or prohibited by these Terms. You may not use the Sites in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Sites. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Sites.  The Sites are only made available for use in connection with your personal financial situation.  


All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Sites, is the property of Woven or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.


You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Sites. Woven content is not for resale. Your use of the Sites does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of Woven and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of Woven or our licensors except as expressly authorized by these Terms.


Third Party Accounts:  You will be able to connect your Account to third party accounts, including your credit card accounts. By connecting your Account to your third party account, you acknowledge and agree that you are consenting to the continuous release of information about you from those accounts to Woven (in accordance with your privacy settings on those third party sites). If you do not want information about you to be shared in this manner, do not use this feature. Woven does not encourage or require you to violate the terms of any third party account provider.


International Users:  The Service is controlled, operated, and administered by Woven from our offices within the United States. If you access the Service from a location outside the United States, you are responsible for compliance with all local laws. You agree that you will not use the Woven Content accessed through Woven in any country or in any manner prohibited by any applicable laws, restrictions, or regulations.

Consent to Electronic Communications

Communications to Be Provided in Electronic Form.  By choosing to use the Sites or Services, you will receive from time-to-time disclosures, notices, documents, and any other communications from Woven ("Communications").  We can only give you the benefits of our Services by conducting business through the Internet, and therefore we need you to consent to receiving Communications electronically.  This section informs you of your rights when receiving electronic Communications from us.  We may discontinue electronic provision of Communications at any time in our sole discretion.

Communications in Writing.  By accepting this Agreement, you agree that electronic Communications shall be considered "in writing" and have the same meaning and effect as if provided in paper form, unless you have withdrawn your consent to receive Communications electronically as stated below.  You agree that we have no obligation to provide you Communications in paper format, although we reserve the right to do so at any time.

Minimum Requirements.  You understand that, in order to view and/or retain copies of the electronic Communications, you will need either:


  • A computer with an Internet connection (PCs should be running Windows 7 or higher and Internet Explorer 10 or higher, Chrome, or Firefox; Macs should be running OSX and Safari, Chrome, or Firefox); or
  • A mobile device that meets the minimum requirements set forth in Section 4.

You will also need a valid email address, sufficient storage space to save Communications or the capability to print the Communications from the device on which you view them.


Withdrawing Consent.  You may withdraw your consent to receive Communications electronically by contacting us at unsubscribe-me@wovemoney.com. If you withdraw your consent, we reserve the right to prohibit your use of the Services. If you withdraw your consent, the legal validity and enforceability of prior Communications delivered in electronic form will not be affected. 

Arbitration Agreement and Class Action Waiver.

Agreement to Arbitrate:  In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms, or any provisions hereof, and your use of the Services whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act ("FAA"), conducted by a single neutral arbitrator and administered by the American Arbitration Association ("AAA"), or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. . If you have any questions concerning the AAA or would like to obtain a copy of the AAA arbitration rules, you may call 1(800) 778-7879 or visit the AAA's web site at: www.adr.org.  The arbitrator's award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding or arbitration arises out of or concerns these Terms or your use of the Services, the prevailing party shall be entitled to recover its costs and reasonable attorney's fees. The parties agree to arbitrate all disputes and claims in regards to these Terms or your use of the Services or any disputes arising as a result of these Terms or your use of the Services, whether directly or indirectly, including Tort claims that are a result of these Terms or your use of the Services. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision shall be determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and your use of the Services.

Class Action Waiver:  Any arbitration will take place on an individual basis; class arbitrations and class/representative/collective actions are not permitted. THE PARTIES AGREE THAT A PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN EACH'S INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PUTATIVE CLASS, COLLECTIVE AND/ OR REPRESENTATIVE PROCEEDING, SUCH AS IN THE FORM OF A PRIVATE ATTORNEY GENERAL ACTION AGAINST THE OTHER. Further, unless both you and Woven agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding.

Miscellaneous.  

Indemnification:  You agree to indemnify, defend and hold harmless Woven, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Sites or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. Woven reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Woven in asserting any available defenses.

Liability Disclaimer:  THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITES MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. WOVEN, INC. AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITES AT ANY TIME.


WOVEN, INC. AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITES FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. WOVEN, INC. AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.


WOVEN, INC. AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITES FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. WOVEN, INC. AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.


Termination/Access Restriction:  Woven reserves the right, in its sole discretion, to terminate your access to the Sites and the Services or any portion thereof at any time, without notice. Use of the Sites is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.  The following provisions of this Agreement shall survive termination of your use or access to the Sites or Services:  the sections concerning Arbitration Agreement and Class Action Waiver and Miscellaneous and any other provision that by its terms survives termination of your use or access to the Sites or Services.


Governing Law.  Except for the Arbitration Agreement, which is governed by the FAA, this Agreement and all Claims are governed by the laws of the State of Washington, without regard to conflict-of-law rules.


You agree that no joint venture, partnership, employment, or agency relationship exists between you and Woven as a result of this agreement or use of the Sites and the Services. Woven's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Woven's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Sites and the Services or information provided to or gathered by Woven with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.


Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Woven with respect to the Sites and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Woven with respect to the Sites. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.


Waitlists and Future Products:  Woven may offer you a chance to join a waitlist in which you will be notified about future or prospective products. An offer to join a waitlist is not a guarantee that you will be offered or that you will receive the future product. Waitlisted products, when available, may have additional limitations, restrictions, eligibility requirements, and qualifications and you may not meet those qualifications. Additionally, Woven reserves the right to change the terms of any future product before it is offered to you. Woven also reserves the right not to offer one or more future or prospective products at all, without providing any additional notice to you. Waitlisted products may be offered by Woven or by one of Woven's partners. A partner may impose additional restrictions on your ability to obtain the product. Additionally, any incentives or sweepstakes, when offered, will be subject to additional terms and conditions.


Changes to Terms:  Woven reserves the right, in its sole discretion, to change the Terms under which the Sites and the Services is offered. The most current version of the Terms will supersede all previous versions. Woven encourages you to periodically review the Terms to stay informed of our updates.

Contact Us

Woven welcomes your questions or comments regarding the Terms:
Woven, Inc.
12819 SE 38th Street, #340
Bellevue, Washington 98006
Email Address: hello@wovenmoney.com
Telephone number: 415-475-9172
Effective as of May 20, 2020