Terms of Use

Last Updated: April 24, 2023

Thank you for your interest in Greenlight for Classrooms, a web-based financial literacy library and educational tool offered by Greenlight® Financial Technology, Inc. (“Greenlight”, “we,” “our” or “us”), which is aligned with the K-12 National Standards for Personal Financial Education (the “National Standards”).  The National Standards were originally developed in 2021 by the Council for Economic Education in partnership with the Jump$tart Coalition for Personal Financial Literacy.  As described in the introduction to the National Standards, the stated purpose of the National Standards is to identify the financial “knowledge, skills, and decision-making abilities” that kids and teens should learn, and then “provide a framework for a complete personal finance curriculum that progresses through elementary, middle, and high school to prepare students for their lives as smart consumers.”

The Greenlight for Classrooms content and materials, including, without limitation, any animated videos, quizzes, activities, discussion topics, teacher guides and other free resources added to the curriculum in the future and displayed on the Website (collectively, the “GL4C Content”) are being made available to you on the greenlight.com website (the “Website”) without charge.  However, you can only register for an account in the Greenlight for Classrooms program (“GL4C Account”) and access and use the GL4C Content pursuant to the terms and conditions outlined in these Greenlight for Classrooms Terms of Use (the “GL4C Terms”).  By registering for the Greenlight for Classrooms program or accessing and using the GL4C Content, you signify that you have read, understood and agree (i) to be bound by these GL4C Terms as well as the Greenlight Terms of Service and (ii) to the collection and use of your information as described in the Greenlight Privacy Statement, each of which can be found in the “Policy Center” link appearing in the footer of the Website.  All capitalized, undefined terms appearing in these GL4C Terms and not otherwise defined herein shall have the meanings ascribed to them in the Greenlight Terms of Service.

IF YOU DO NOT AGREE TO THESE GL4C TERMS, THEN DO NOT REGISTER FOR A GL4C ACCOUNT OR OTHERWISE ACCESS OR USE ANY OF THE GL4C CONTENT. Your use of the GL4C Content constitutes your acceptance of these GL4C Terms. We may change or update these GL4C Terms at any time by posting such changes on the Website and the application for a mobile phone, tablet or any other portable device (the “Application”). It is your responsibility to periodically review these GL4C Terms for any updates or changes. Your continued use of the GL4C Content after the effective date of any changes that are posted to the Website shall constitute your acceptance of such changes. If you do not agree with any such changes, you should promptly stop using the GL4C Content and accessing your GL4C Account.

PLEASE REVIEW THESE GL4C TERMS CAREFULLY BEFORE REGISTERING FOR A GL4C ACCOUNT AND BEFORE ACCESSING OR USING ANY GL4C CONTENT.

Fees and Costs

As described above, Greenlight will not charge you or your students any fees for your participation in the Greenlight for Classrooms program and your access and use of the web-based GL4C Content. Notwithstanding the foregoing, you will be solely responsible for paying your own costs of accessing the GL4C Content over the Internet or your mobile phone including, without limitation, the costs of any internet service provider, mobile network provider or any other communication network used to access the GL4C Content. In addition, you will be responsible for paying your own costs to download or print any GL4C Content for yourself or your students.

Intellectual Property Rights; License to Greenlight IP; Ownership of Submissions and Feedback

Unless otherwise expressly provided, as between Greenlight and you, Greenlight retains all right, title, and interest (including all copyright, trademark, patent, trade secrets and all other intellectual property rights) in the GL4C Content, the Website, and the Application (collectively, the “Greenlight IP”), including past, present and future versions, domain names, source and object code, and the "look and feel" of the Greenlight IP. Unless otherwise permitted in these GL4C Terms, you are prohibited from the unauthorized use, copying and dissemination of the Greenlight IP in any manner. Pursuant to these GL4C Terms, we are granting you a limited, personal, non-exclusive, revocable and non-transferable license to display, print and use the Greenlight IP as follows (the "Permitted Purpose"): (i) if you are using the Greenlight IP as an individual for home use, homeschooling, or caregiving, the Greenlight IP is licensed to you for your personal, noncommercial, use only; (ii) if you are using the Greenlight IP in your capacity as a teacher or on behalf of a school or other educational organization, the Greenlight IP is licensed to you for use by you and your students. No Greenlight IP may be shared in any manner except as stated above. Your right to use the Greenlight IP is conditioned on your compliance with these GL4C Terms. Except as expressly permitted in the foregoing license grant, you have no rights in our Greenlight IP or any part thereof and you may not modify, edit, copy, reproduce, redistribute, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the Greenlight IP in any manner. If you make copies of any part of the Greenlight IP while engaging in Permitted Purposes, you must retain on those copies all of our copyright and other proprietary notices as they appear on the Greenlight IP. You may only use such copies in connection with your use of the Greenlight IP. Further, you shall not use the Greenlight IP, including the GL4C Content, in a manner that suggests an association between any third party and Greenlight or any of our products, services or brands. UNDER NO CIRCUMSTANCES MAY MATERIALS BE DISPLAYED ON OTHER WEBSITES OR IN PRINTED PUBLICATIONS OR SHARED WITH ANY INDIVIDUALS, SCHOOLS OR ORGANIZATIONS NOT LICENSED TO USE THEM.

If you breach any of these GL4C Terms, the above license will terminate automatically and you must immediately destroy any downloaded or printed GL4C Contents (and any copies thereof).

You agree not to reproduce, duplicate, copy, sell, resell or otherwise exploit for any commercial purposes, any portion of the Greenlight IP, use of the Greenlight IP, or access to the Greenlight IP.

By submitting any information to Greenlight through your GL4C Account (each, a “Submission”), you are licensing that Submission to Greenlight solely for the purpose of improving the GL4C Content. Further, if you respond to any surveys or interviews about the GL4C Content or provide feedback about any Greenlight protype products and services (collectively, “Feedback”), then you agree that Greenlight, in its sole discretion, can use that Feedback in any way, including in future enhancements and modifications to the GL4C Content. You hereby grant to Greenlight and its assigns a perpetual, worldwide, fully transferable, sub-licensable, fully paid-up, irrevocable, royalty-free license to use, reproduce, modify, create derivative works from, distribute, and display the Submission and the Feedback in any manner for any purpose, whether in any media, software, or technology of any kind now existing or developed in the future, without any obligation to provide attribution or compensation to you or any third party.

Electronic Communication

1. Your Consent to Receive E-Communications

By opening your GL4C Account and accepting these GL4C Terms, you consent to receiving electronic communications, which include any disclosure, notice, agreement, statement, schedule of fees, explanation of services, inquiry responses, or any other communication regarding any account, product or service provided to you, including promotional programs, directly or indirectly, by Greenlight (collectively, “E-Communications”).

2. Email Addresses/Mobile Devices

You agree that we may provide E-Communications to you via email, via text message to a designated mobile device, or by posting them to the Website or delivering them you via the Application (if used to deliver GL4C Content). E-Communications sent via email will be delivered to the email address registered to your GL4C Account. If an E-Communication is sent via email and is returned as undelivered, we may use any other email address that we have for you, or deliver the E-Communication to you via the Application (if we used the Application to deliver GL4C Content) . You must notify us of any change in your email address or mobile device number by emailing support@greenlight.com. Unless otherwise required by law, you agree that any E- Communication will be deemed received by you when sent by any means set forth above.

3. Withdrawal of Consent

You may withdraw your consent to receive E-Communications by contacting Greenlight at support@greenlight.com. The withdrawal of your consent to E-Communications will result in the immediate closing of your GL4C Account and cessation of all related GL4C Content.

4. Printed Copies

You may contact support@greenlight.com to request a paper copy of any communication provided electronically. Paper copies of electronic communications shall cost no greater than $0.25 per page. Greenlight may, in its discretion, close your GL4C Account and cease all related GL4C Content in the event of routine or multiple requests for paper copies of E-Communications.

5. System Requirements

In order to properly access and retain your E-Communications you must have (i) a personal computer (with monitor) or mobile device capable of accessing the Internet, displaying visual content, and sending and receiving emails; (ii) access to a printer capable of printing copies of emails, Website or Application content for your records (if you desire paper records); (iii) sufficient computer or mobile device hard drive, or cloud-based storage capability, capable of storing data, if you wish to store E-Communications; (iv) an Internet browser that supports 128- bit encryption; and (vi) a software program that accurately displays PDF files. For E- Communications provided in PDF format, Adobe Acrobat Reader 6.0 or later versions is required, a free copy of which may be obtained from the Adobe website at www.adobe.com. If any of the above system requirements change, and we believe that such change may create a material risk that you will be unable to access E-Communications, Greenlight will notify you of the new hardware/software requirements.

6. Telephone and Text Communications

By opening your GL4C Account and accepting these GL4C Terms, you agree that we may call or send text messages to you regarding your GL4C Account using any contact information relating to your account, including any telephone number (i) you have provided to us; (ii) from which you have called us; or (iii) which we obtained and at which we reasonably believe we can reach you. You agree we may call or text any of these telephone numbers using an automatic telephone dialing system or an artificial or prerecorded voice. You agree to promptly notify us if you change any telephone number contact you provide to us.

Your Representations and Warranties.

By registering a GL4C Account in the Greenlight for Classrooms program, you represent and warrant to Greenlight that: (i) you are at least 18 years of age; (ii) you are a U.S. citizen or legal alien residing in the United States or Puerto Rico; (iii) any and all personal information that you provide to us in connection with your GL4C Account is true, correct, and complete; and (iv) you have received and reviewed these GL4C Terms and the Greenlight Terms of Service and agree to be bound by and to comply with each of them.

Information Collection.

In order to access and use the GL4C Content, you must have access to the Internet and you may be requested to provide certain identification information, such as your name, state in which you teach, and email address on the Greenlight for Classrooms login page. We may use this Login information to identify you, to process access to the GL4C Content, to suggest certain state specific content relevant to your role, and also to provide you with offers for additional products and services that might be free or that might cost a fee to use as well as offer free promotional items. On an optional basis, we ask for high-level classroom demographic information such as your school name, the grade level in which you teach, and your role (e.g., Teacher, Paraprofessional, etc.). You are not required to provide this optional information, but it will enable us to better target suggested lesson plans for you and help to improve our services. Please see our Privacy Statement for further information. You agree that we may monitor and record your telephone and electronic communications with us at any time, without further notice to you or any party to the communication.

Privacy.

Our Privacy Statement details the way your information may be collected, used and shared when you use the GL4C Content. Please carefully review our Privacy Statement (https://privacy.greenlight.com/policies), which is incorporated in and subject to these GL4C Terms.

Links to Third Party Sites.

The GL4C Content may provide, or third parties may provide, links to other Internet websites or resources. Because Greenlight has no control over such sites and resources, you acknowledge and agree that Greenlight is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or which are available from such linked sites or resources. You further acknowledge and agree that Greenlight shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

Disputes with Third Parties.

We are not responsible for the delivery, quality, safety, legality, or any other aspect of your GL4C Account, or any GL4C Content, provided by third parties. You must resolve all issues and disputes related to such GL4C Account and GL4C Content with the applicable third party.

Dispute Resolution; Arbitration and Class Action Waiver.

Please read this carefully. It affects your rights.

Any dispute or claim relating in any way to your GL4C Account or use of the GL4C Content will be resolved by binding arbitration, rather than court.

Any and all controversies, disputes, demands, counts, claims, or causes of action (including the interpretation and scope of this clause, and the arbitrability of the controversy, dispute, demand, counts, claim, or cause of action) between you and Greenlight or Greenlight's employees, agents, successors, or assigns, shall exclusively be settled through binding and confidential arbitration, except that you or Greenlight may take claims to small claims court if the dispute qualifies for hearing by such court. In addition, each party retains the right 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.

This agreement to arbitrate is intended to be broadly interpreted, and expressly includes claims brought under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq., or any other statute, regulation, or legal or equitable theory. You and Greenlight hereby agree that the Federal Arbitration Act, 9 U.S.C. 1, et seq. (“FAA”) applies to this agreement to arbitrate, and governs all questions of whether a dispute is subject to arbitration. Unless you and we agree otherwise in writing, arbitration shall be administered by the JAMS International Arbitration Rules in effect at the time of filing of the arbitration (the “JAMS Rules”). However, just as a court would, the arbitrator or arbitrators must honor the terms and limitations in these GL4C Terms and in the Greenlight Terms of Service which are incorporated by reference, and can award damages and relief (including any attorneys’ fees) authorized by law and/or the JAMS Rules. The arbitration decision and award is final and binding, with some exceptions under the FAA, and judgment on the award may be entered in any court of competent jurisdiction. There is no judge or jury in arbitration and arbitration procedures are simpler and more limited than rules applicable in court. YOU AGREE THAT, BY ENTERING INTO THIS AGREEMENT, YOU AND GREENLIGHT ARE EACH WAIVING THE RIGHT TO SUE IN COURT, INCLUDING RIGHTS TO RECEIVE A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION LAWSUIT, CLASS-WIDE ARBITRATION, PRIVATE ATTORNEY-GENERAL ACTION, OR ANY OTHER REPRESENTATIVE PROCEEDING.

THIS AGREEMENT DOES NOT ALLOW FOR CLASS ARBITRATIONS EVEN IF THE PROCEDURES OR RULES OF JAMS WOULD ALLOW IT. RATHER, YOU AND GREENIGHT ARE ONLY ENTITLED TO PURSUE ARBITRATION ON AN INDIVIDUAL, BILATERAL BASIS. FURTHER, AND UNLESS YOU AND GREENLIGHT AGREE OTHERWISE IN WRITING, THE ARBITRATOR(S) MAY NOT CONSOLIDATE MORE THAN ONE INDIVIDUAL PARTY’S CLAIMS WITH ANY OTHER PARTY’S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR COLLECTIVE PROCEEDING.

Payment of all filing, administration and arbitrator fees will be governed by the JAMS Rules. Arbitration under this agreement shall be held in Atlanta, Georgia, or any other location we mutually agree to, subject to Georgia law. The arbitration may award on an individual basis the same damages and relief as a court (including injunctive relief). Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

This agreement to arbitrate does not preclude you from bringing issues to the attention of federal, state, or local agencies. Such agencies can, if the law allows, seek relief against us on your behalf.

Opt-Out of Agreement to Arbitrate:

You can decline this agreement to arbitrate by emailing Greenlight at support@greenlight.com and providing the requested information as follows: (1) your name, (2) your address, (3) your phone number, (4) the URL containing the Arbitration and Class Action Waiver provision for the GL4C Terms, and (5) clear statement that you wish to opt out of this arbitration provision. This opt-out notice must be emailed no later than 30 days after the date you first accept these GL4C Terms.

Governing Law.

These GL4C Terms and any GL4C Content provided hereunder will be governed by and construed in accordance with the laws of the State of Georgia, without regard to any laws that would direct the choice of another state’s laws and, where applicable, will be governed by and construed in accordance with the federal laws of the United States. You consent and submit to the exclusive jurisdiction of the state and federal courts located in Atlanta, Georgia with respect to all controversies arising out of or in connection with your GL4C Account and your use of the GL4C Content and these GL4C Terms that are not subject to arbitration or to any proceedings to enforce the arbitration provision or to confirm or vacate an arbitration award.

Delay of Exercising Rights.

Greenlight can waive or delay enforcement of any of its rights under these GL4C Terms without losing them.

Entire Agreement.

These GL4C Terms and the Greenlight Terms of Service set forth the entire understanding and agreement between you and us, whether written or oral, with respect to the GL4C Content and supersede any prior or contemporaneous understandings or agreements between you and us with respect to the GL4C Content.

Severability.

If any of the terms and conditions of these GL4C Terms are invalid, or declared invalid by order of court, regulatory authority, or change in applicable law, the remaining terms and conditions of these GL4C Terms will not be affected, and these GL4C Terms will be interpreted as if the invalid terms had not been included in these GL4C Terms.

Disclaimer of Warranties.

EXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THESE GL4C TERMS, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, WHETHER EXPRESS OR IMPLIED, REGARDING THE GL4C CONTENT, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES REGARDING THE AVAILABILITY OR OPERATION OF THE GL4C CONTENT OR ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. FURTHER, WE DO NOT GUARANTEE THAT THE GL4C CONTENT IS 100% ACCURATE OR FREE FROM ANY ERRORS. YOUR USE OF THE GL4C CONTENT IS SOLELY AT YOUR OWN RISK.

Limited Liability.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, GREENLIGHT (INCLUDING ITS DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS), AND ITS AFFILIATES, SUBSIDIARIES, AND SERVICE PROVIDERS WILL NOT BE LIABLE TO YOU FOR: DELAYS OR MISTAKES RESULTING FROM ANY CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOVERNMENTAL AUTHORITIES, NATIONAL EMERGENCIES, INSURRECTION, WAR, OR RIOTS; LOSS OF PROFITS, DATA, GOODWILL, OR ANY OTHER INTANGIBLE LOSSES; THE FAILURE TO PERFORM OR PROVIDE ACCESS TO THE GL4C CONTENT; COMMUNICATION SYSTEM FAILURES OR ANY FAILURES OR MALFUNCTIONS ATTRIBUTABLE TO YOUR EQUIPMENT, INCLUDING YOUR PERSONAL COMPUTER, MOBILE PHONE OR OTHER DEVICE, ANY INTERNET SERVICE, ANY MOBILE PHONE NETWORK OR ANY OTHER COMMUNICATION NETWORK. WITHOUT LIMITING THE FOREGOING LIMITATION OF LIABILITY, IN THE EVENT THAT WE ARE HELD LIABLE FOR DAMAGES TO YOU IN A COMPETENT LEGAL PROCEEDING, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL DAMAGES. IN NO EVENT SHALL YOU BE ENTITLED TO RECOVER ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXTRAORDINARY, EXEMPLARY, PUNITIVE, OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES. THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE REQUIRED BY APPLICABLE LAW. TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT YOUR RECOVERY FOR ANY ALLEGED NEGLIGENCE OR MISCONDUCT BY GREENLIGHT OR ITS SERVICE PROVIDERS SHALL BE LIMITED TO THE TOTAL AMOUNT PAID BY YOU UNDER THIS AGREEMENT.

Indemnification.

You agree to defend, indemnify, and hold harmless Greenlight and its officers, directors, agents, affiliates, subsidiaries, joint ventures, licensees, employees, shareholders, and any third-party service providers, from and against all damages, expenses, losses, costs, or any other claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your breach of these GL4C Terms, or your violation of any law or regulation, or the rights of any third party.

Questions. 

If you have questions regarding the GL4C Content or accessing the Website or Application, please review our frequently asked questions at https://help.greenlight.com.

Greenlight for Classrooms Terms of Use

https://greenlight.com/classrooms/terms

Greenlight Terms of Service

https://greenlight.com/terms-of-service

Greenlight Privacy Statement

https://privacy.greenlight.com/policies