Terms & Conditions

The following terms and conditions govern your use of Bank of Kids, which is produced and operated by Business of Kids, Inc. By enrolling in and using Bank of Kids, you agree to these terms and conditions. By using Bank of Kids, you are representing to Business of Kids, Inc., and its licensors and Information Providers that you are at least 18 years old (or the minimum legal age in your jurisdiction). Business of Kids, Inc. reserves the right to add, delete or modify Bank of Kids functionality and to amend or supplement these Terms and Conditions upon notice, delivered by regular mail, by e-mail or by an on-screen alert on the Bank of Kids site. Business of Kids, Inc. also reserves the right to terminate your enrollment in Bank of Kids at any time.

  1. Internet Accessibility; Third-Party Software Providers

    Bank of Kids is delivered to you via the Internet. Accordingly, you must use commercially available third-party web browsers and Internet utility software from various unaffiliated software providers. By accepting and using such software, you agree to non-exclusive, non-transferable software licenses with such third-party software providers. Business of Kids, Inc. does not warrant the performance of, and bears no responsibility for, your use of any third party software.

  2. User ID and Password

    Bank of Kids permits you to set up, store and view information about your financial arrangements with your child(ren). You will select a User ID and Password when you enroll for Bank of Kids. It is your responsibility to safeguard your User ID and Password to prevent others from viewing, modifying, or deleting your information. Business of Kids, Inc. shall not be responsible for any breach of security or privacy caused by your failure to maintain the confidentiality of your User ID and Password.

  3. News, Articles and Research

    News, Articles and Research data provided through Bank of Kids are obtained from sources we believe to be reliable, but we cannot guarantee the accuracy, timeliness or completeness of such information for any particular purpose. Such information is protected by copyright and other intellectual property laws and may only be used for personal and non-commercial use, and not for providing professional services or advice. If you download any information from Bank of Kids for your personal reference, you agree that you will not remove or obscure any copyright or other notices contained in any such information. Except as provided in the preceding sentence, you agree not to copy, reproduce, modify, sell, distribute, transmit, display, perform, circulate, transfer, broadcast, create derivative works from, publish, or use for any commercial or unlawful purpose any news, articles, research or other information you receive through Bank of Kids.

  4. Financial Tools, Education and Calculators

    Bank of Kids may also provide you and your child with certain financial tools and calculators. The tools and calculators may allow you or your child to model "what-if" scenarios. The results derived from these tools are illustrative and are based on the information you provide, as well as any stated assumptions. There is no guarantee that your actual investments or savings will achieve the results shown, since financial markets and/or your financial situation may be different.

  5. E-Mail

    E-mail is used by Business of Kids, Inc. only as a convenience to you and to enhance communications with you. Because of the current limitations on Internet e-mail (such as reliability of delivery, timeliness, security, etc.), you agree that you will not use e-mail to transmit sensitive or private information, including your social security number, bank account number, or your Bank of Kids account User ID and password together.

  6. Limitation on Business of Kids, Inc.'s Responsibilities and Liability

    You understand and agree that Bank of Kids utilizes the Internet to transport data. Business of Kids, Inc. will take reasonable security precautions to safeguard data and communications; however, Business of Kids, Inc. disclaims any liability for interception of any such data or communications. You agree that neither Business of Kids, Inc. nor any third party working with Business of Kids, Inc. to provide services hereunder shall be responsible for any damages caused by communications line failure, systems failure, and other occurrences beyond their control, or from any unauthorized use or theft by any third party who gains access to your account by use of your user ID and password as a result of your intentional or unintentional conduct, including negligence by you. Business of Kids, Inc. will not be responsible any access costs you incur to connect to Bank of Kids.

    Neither Business of Kids, Inc. nor any third party make any representations or warranties express or implied with respect to Bank of Kids, including without limitation, any implied warranties of merchantability or fitness for a particular purpose. To the extent permitted by law, under no circumstances, including negligence, will Business of Kids, Inc. or any of its directors, officers or employees, or any third party vendor be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of Bank of Kids, or resulting from the act or omission of any other party involved in making Bank of Kids available to you, or from any other cause relating to your access to or use of Bank of Kids, whether or not the circumstances giving rise to such cause may have been within the control of Business of Kids, Inc. or of any vendor providing software or services support for Bank of Kids. In no event will Business of Kids, Inc. or any such parties be liable to you for any special, indirect, consequential or incidental damages even if Business of Kids, Inc. or any other party have been advised of the possibility thereof.

©2014, Business of Kids, Inc.