Register | Yodlee Developer Portal

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Terms and Conditions of Use
Terms & Conditions
Acceptance of Terms

Please review these Developer terms and conditions.  This is a legal agreement between you (the “Developer”) and Yodlee, Inc. (“Yodlee”) (the “Agreement”).  By clicking on the "I Accept" button, you agree to be bound by the terms and conditions of this Agreement, including any exhibits.  If you do not agree to this Agreement, click on the "Cancel" button. If you click the “Cancel” button, you will not be entitled to use the SDK, Yodlee Technology, or the Development Environment (collectively, the “Services”).  For purposes of these terms, “SDK” means the Yodlee platform software development kit, of the version generally available as of the Effective Date, “Yodlee Technology” means the Licensed Software together with any Updates and test suites (if any) delivered by Yodlee to Developer, “Development Environment” means a temporary test hardware and software environment that functionally replicates Yodlee’s production environment but that does not provide the same capacity levels, and “Licensed Software” means software in any form, including all machine readable materials, user manuals, programming guides and other documentation provided to Developer by Yodlee.  Yodlee reserves the right at our discretion to make changes to this Agreement at any time. Upon any change, Yodlee will post the new or different terms and conditions on our website. You agree to accept electronic communications, links to and/or postings of any revised terms and conditions and that such electronic communications, links and/or postings constitute notice to you of any new or different terms and conditions of this Agreement. Your continued use of the Services constitutes acceptance of the changes and an agreement to be bound by these terms, as may be amended. If you do not agree to the changes, you have the right to discontinue your use of the Services.

In order to register or use the Services, you must be at least 18 years old, a United States resident and legally capable to enter into contracts.  You may only use the Services for personal or individual use. You may not use the Services for commercial purposes and may not resell or otherwise provide other persons with access to the Services using your password or user name. The terms "you", "user" and “Developer” refer to the person that registers for the Services.

License

Upon acceptance of these terms, Yodlee hereby grants to Developer a revocable, non-transferable, non-sublicensable, non-exclusive, royalty-free, limited license to use the Services solely for the purposes of evaluation and testing applications (including mobile apps) that will interface with Yodlee’s account aggregation APIs and not for any other purpose.  Developer shall not use the Yodlee Technology to conduct load, scalability or performance testing.  The use of the Services is limited to the United States. Developer is limited to no more than ten (10) of Developer’s own test accounts.  The Developer may not modify or create derivative works of the Yodlee Technology, or reverse engineer or disassemble the Yodlee Technology or decompile binary portions of the Yodlee Technology, or otherwise attempt to derive source code from such portions. Developer is prohibited from reproducing any portion of the Services, except to make an archival copy.  Developer agrees not to use, nor permit any third party to use, the Yodlee Technology in such a way that violates any applicable laws, regulations, or this agreement. Developer shall not use the Yodlee Technology for production purposes unless permitted by a separate license agreement between the parties. 

Ownership

Yodlee owns all right, title and interest in the Services and Confidential Information provided to Developer in connection herewith, inclusive of all intellectual property rights therein.  All other rights not expressly granted herein are reserved by Yodlee.

Installation of Yodlee Technology

Developer shall be solely responsible for installation and maintenance of the Licensed Software.

Term and Termination

This Agreement shall be effective when Developer accepts these terms and conditions by clicking the “I Accept” button (the “Effective Date”) and it shall remain in force for thirty (30) days (the “Term”).  Following the Term, Developer’s credentials to access the Services shall no longer be valid, and any Developer Data used in connection with the Development Environment will be purged.  “Developer Data” means a Developer’s account information, account access information and registration information, as provided by Developer and/or retrieved by Yodlee from a Data Source and/or provided by Developer, and “Data Source” means a single repository of information (e.g., a URL, internet site, server or document, as applicable) from which information can be extracted using a single data script or other data retrieval mechanism.  Yodlee may terminate this Agreement at any time for any reason by providing notice to Developer.  Upon the termination of this Agreement for any reason, Developer shall immediately cease use of the Yodlee Technology, and if requested return the Yodlee Technology to Yodlee or provide written confirmation of permanent destruction of all copies in Developer’s possession.

Risk of Loss or Damage/Privacy

Developers use of Developer Data in evaluating the Yodlee Technology under this Agreement shall be performed at Developer’s own risk, and Developer will be solely liable for any claims for breach of security or privacy obligations, and will indemnify and hold Yodlee harmless against any such claims.  Developer shall not perform any penetration or security testing of the Yodlee Technology, including but not limited to “ethical hacks.”  Developer shall at all times use best efforts to maintain the security of any of its information architecture, systems and procedures used in connection with the activities under this Agreement.

Compliance with Laws

Developer shall not use the Yodlee Technology for any illegal purposes or for the transmission of material that is unlawful, harassing, libelous, invasive of another’s privacy, abusive, threatening, obscene, or that infringes the rights of others.  In addition, Developer shall comply with the Fair Credit Reporting Act and equivalent state laws.  Developer represents and warrants that the Yodlee Technology and any information derived from it is not to be used and will not be used in connection with any transactions subject to such laws, including but not limited to the evaluation of consumer credit or the extension of credit to a consumer for personal, family or household purposes. 

No Support; Updates

Unless otherwise agreed to by the parties in writing, Yodlee is under no obligation under this Agreement to support the Services or to provide Developer with subsequent releases, enhancements or error corrections for the Yodlee Technology (“Updates”). If Yodlee, in its sole discretion, supplies Updates to Developer, the Updates will be considered part of the Yodlee Technology, and subject to the terms of this Agreement.

Confidentiality 

Confidential Information means any information disclosed by one party to another under this Agreement which (a) if disclosed in tangible form, is clearly labeled as "confidential" or "proprietary" or with words of similar import in writing by the disclosing party at the time of disclosure, (b) if disclosed in non-tangible form, is identified as "confidential" or "proprietary" at the time of disclosure, or (c) if not identified as “confidential” or “proprietary,” where it is reasonably obvious, under the circumstances surrounding disclosure, that the information is confidential or proprietary.

Neither party which receives Confidential Information ("Recipient") from the other party ("Discloser") under this Agreement shall disclose Discloser's Confidential Information to any third party, nor use the Discloser's Confidential Information for any purpose other than as expressly contemplated by this Agreement.  Recipient shall use the same degree of care to protect Discloser's Confidential Information as it uses to protect its own Confidential Information, but no less than reasonable care, to prevent its unauthorized disclosure, use, or publication.  Recipient may disclose Discloser's Confidential Information only to those of Recipient's employees, contractors, or other agents who have a need to know such Confidential Information and who are subject to a non-disclosure agreement that reasonably protects the Confidential Information substantially as provided in this section. The parties' duty to protect Confidential Information hereunder shall survive any expiration or termination of this Agreement, and shall extend for a period of five (5) years from the date of disclosure of the Confidential Information, except for any source code, which shall be protected in perpetuity.

This Agreement imposes no duty upon Recipient with respect to information that:  (a) was in the possession of, or was known by, the Recipient prior to its receipt from the Discloser; (b) is or becomes generally known to the public without violation of this Agreement; (c) is obtained by the Recipient from a third party, without an obligation to keep such information confidential; or (d) is independently developed by the Recipient without use of the Confidential Information.  A Recipient may disclose Confidential Information to the extent required by a valid order of a court, or governmental or administrative agency, provided that the Recipient has given the Discloser prior written notice of such order and provides reasonable assistance so as to afford the Discloser the opportunity to object or seek protective relief.  This section will not affect any other confidential disclosure agreement between the parties. Upon termination or expiration of this Agreement, Recipient will, upon written direction of the Discloser, return or destroy such party's Confidential Information. Notwithstanding the foregoing, the Yodlee Technology shall be returned to Yodlee and not destroyed whether retuned in accordance with the terms of this Agreement, or following any termination thereof.

Notwithstanding anything in this agreement to the contrary, the recipient of Confidential Information shall comply with all applicable local, state and federal laws, including, without limitation, all privacy and data protection law, rules and regulations that are applicable to the Developer Data, the Confidential Information and/or the terms of this agreement.  The recipient understands that the Confidential Information may contain “personally identifiable information” as defined by the US Office of Management and Budget (OMB) or is as generally defined by industry.  If such data is included in the Confidential Information, the recipient agrees to maintain such personally identifiable information that it receives hereunder in accordance applicable federal and state privacy laws, or to purge the applicable data from all systems and provide evidence to Yodlee.

The parties agree that any violation or threat of violation of this Confidentiality section may result in irreparable harm for which damages may not be an adequate remedy and, therefore, in addition to its rights and remedies otherwise available at law, including without limitation the recovery of damages for breach of this Agreement, either party shall be entitled to seek equitable relief, including both temporary and permanent injunction, to prevent any unauthorized use or disclosure, and to such other and further equitable relief as the court may deem proper under the circumstances.

Account Information

You agree to provide true, accurate, current, and complete information about yourself and your accounts maintained at other web sites, as requested in Yodlee's registration form and account setup process and you agree to not misrepresent your identity or your account registration information. Failure to provide accurate and complete information during registration may prohibit the use of the Services. You also certify that any account you register with the Yodlee Technology is issued in your name and is an account that you are authorized to use.

You are responsible for maintaining the confidentiality of your password and account. You are fully responsible for all activities that occur using your password or account.  Please notify Yodlee immediately of any unauthorized use of your password or account or any other breach of security. We will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. You may not use anyone else's password at any time. This also applies to any passwords required for use of other services provided by Yodlee partners.

Rights You Grant to Yodlee

Subject to Yodlee's Privacy Policy, you are licensing to Yodlee any information, data, passwords, materials, or other content you provide to Yodlee and the Services or that is retrieved from third party sites at your request (collectively, "Content"). Yodlee may use, modify, display, distribute and create new material using such Content to provide the Services to you. By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, Yodlee may use the Content for the purposes set out above. In addition, Yodlee welcomes your feedback as a user of the Services. Any feedback you provide will become the confidential and proprietary information of Yodlee, and you agree that Yodlee may use in any manner and without limitation all comments, suggestions, complaints, and other feedback you provide relating to Yodlee. Yodlee shall have a worldwide, royalty-free, non-exclusive, perpetual, and irrevocable right to use feedback for any purpose, including but not limited to, incorporation of such feedback into Yodlee, social media or other Yodlee software or services. If you request customer service or other assistance from Yodlee, you acknowledge and agree that Yodlee is authorized to access and view your information to provide such assistance and support.

Third Party Accounts

By using the Services, you authorize Yodlee to access third party sites designated by you, on your behalf, to retrieve information requested by you. You hereby authorize and permit Yodlee to use information submitted by you to the Services (such as account passwords and users names) to accomplish the foregoing and to configure the Services so that it is compatible with the third party sites for which you submit your information. For all purposes hereof, you hereby grant Yodlee a limited power of attorney, and you hereby appoint Yodlee as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party sites, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN YODLEE IS ACCESSING AND RETRIEVING INFORMATION FROM THIRD PARTY SITES, Yodlee IS ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that Yodlee's third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you.

Except for those relationships, you understand that Yodlee has no relationship to, affiliation, or connection with any third party sites available for use with the Yodlee Technology. The Yodlee Technology is not endorsed or sponsored by any such account providers. You agree that Yodlee assumes no responsibility and shall incur no liability with respect to the acts, omissions, or determinations of any such third party site. You acknowledge and agree that Yodlee may not maintain the same level of security against unauthorized access to your account information as the third party sites that you authorize Yodlee to retrieve information on your behalf.

Disclaimer of Warranties

YOU EXPRESSLY UNDERSTAND AND AGREE THAT: YOUR USE OF THE Services AND ALL INFORMATION, AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE SERVICES IS AT YOUR SOLE RISK. THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. Yodlee AND ITS LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE SERVICES AND ALL INFORMATION, AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE Services, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, Yodlee IS NOT RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY DATA FROM ANY THIRD PARTY OR FOR ANY INTERRUPTIONS IN THE AVAILABILITY OF ANY SERVICE, WHETHER THE RESULT OF ACTIONS BY Yodlee OR ANY THIRD PARTY. 

Limitation of Liability

YOU AGREE THAT NEITHER Yodlee NOR ANY OF ITS AFFILIATES, SUBSIDIARIES, LICENSORS, SUPPLIERS, THIRD PARTY DEVELOPERS, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES WILL BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, OPPORTUNITY, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, however they arise, whether for breach of contract, breach of warranty or in tort, including negligence EVEN IF Yodlee HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE Yodlee SERVICE; (ii) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM Yodlee; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANYONE ON THE Yodlee SERVICE; (v) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES; OR (vi) ANY OTHER MATTER RELATING TO THE Yodlee SERVICE.  Liability for damages will be limited and excluded as set forth above even if any exclusive remedy provided in this Agreement fails of its essential purpose.

Indemnification
You agree to protect and fully compensate Yodlee and its affiliates, subsidiaries, licensors, suppliers and service providers from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from your use of the Services, your violation of this Agreement or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.

Import and Export Laws; Encryption

Developer agrees that the Service and Yodlee Confidential Information delivered under the Agreement may be subject to U.S. export laws and applicable laws of other countries. Developer agrees to strictly comply with all such laws and assumes responsibility to obtain licenses to export, re-export, or import as may be required.

Privacy Policy

This Agreement incorporates by reference Yodlee’s Privacy Policy available on Yodlee’s website( http://www.yodlee.com/privacy-policy/ ), which may be updated from time to time.

Miscellaneous

This Agreement does not create any partnership, franchise, joint venture, agency, fiduciary or employment relationship.  Neither party may bind the other party or act in a manner that expresses or implies a relationship other than that of independent contractor.

Developer may not assign or otherwise transfer any of its rights or obligations under this Agreement.

In the event that any part of this Agreement is found to be unenforceable, the remainder shall continue in effect to the extent permissible by law and consistent with the intent of the parties as of the Effective Date of this Agreement.

This Agreement shall be governed by the laws of the State of California, without regard to its provisions on conflicts of law.  Each party hereby irrevocably consents to the exclusive jurisdiction and venue of the Superior Court of Santa Clara County and/or the United States District Court for the Northern District of California in connection with any dispute hereunder or the enforcement of any right or obligation hereunder.

Rights and obligations under this Agreement which by their nature should survive will remain in effect after termination or expiration of this Agreement.

Yodlee shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by Yodlee. No delay or omission on the part of Yodlee in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Entire Agreement

This Agreement is the parties' entire agreement relating to license of the Services and supersedes all prior or contemporaneous oral and written communications, proposals, conditions, representations, and warranties, and prevails over any conflicting or additional terms of any quote, order, acknowledgment, and other communication between the parties relating thereto during the Term.
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