Terms & Conditions

OneMain Financial Feedback Forum Terms and Conditions

Your use of and participation in the OneMain Financial Feedback Forum (“Community”) is subject to the following terms and conditions (“OneMain Terms and Conditions”). The OneMain Terms and Conditions are in addition to, and not in lieu of, the general Terms and Conditions of icanmakeitbetter (ICMIB Terms and Conditions), found here. In the event of any conflict between the OneMain Terms and Conditions and the ICMIB Terms and Conditions, the ICMIB Terms and Conditions shall control.

We reserve the right to change the OneMain Terms and Conditions at any time without notice. Please check back from time to time to ensure you are aware of any updates or changes to the OneMain Terms and Conditions.

“We” or “us” refers to the administration and moderation team that run the website, including LRWTonic Ltd (“Tonic”) and OneMain Financial (“OneMain”) and their respective subsidiaries, associated companies, affiliates and agents.

Registration

Registration is free and open only to users (those over 18 years old) invited via email. You are permitted to use ONE account only.

Your email address

We require your email address so that we can communicate with you about the Community. To become a Community member, you must provide a valid, non-disposable, email address. Your email address will be processed in accordance with the Privacy Policy of ICMIB.

If you close your email account, or if it becomes inactive for any other reason, or if we find you have used an invalid account, you may be removed from the Community.

Content

We are not responsible for any content posted by Community members. We do not vouch for or warrant the accuracy, completeness or usefulness of any message, and are not responsible for the contents of any member's contribution.

The messages express the views of the author of the message, not necessarily the views of OneMain, Tonic or any of their respective affiliates. We have the ability to remove objectionable messages and we will make every effort to do so, if we determine that removal is necessary. If you find any comment that you believe may contain inappropriate material, contact Tonic by emailing team@financialfeedbackforum.com and explaining when and where the comment was posted on the site so that Tonic may quickly take any necessary action.

All administrators and moderators have an absolute right to delete, move, edit or otherwise change any post added to this Community, as necessary, in order to maintain the positive spirit of the activities.

Release as to Image and Works

Throughout the Community you will be asked to submit images, videos, ideas and your feedback / opinions on certain topics. By agreeing to the OneMain Terms and Conditions, you give your consent to OneMain and Tonic to use your content (as stated above) for internal OneMain purposes and / or for sharing with other interested third parties, including, but not limited to, marketing agencies who work with OneMain. You hereby assign to OneMain with full title guarantee all of your right, title and interest in all intellectual property rights ("IPR") in all of the material you have consented for OneMain and Tonic to use as per this paragraph ("Works") completely free from any encumbrances, for the full period of such IPR. You shall waive all moral rights in the Works. You shall do all such things and sign all such documents as are necessary to assign the Works to OneMain at your own expense.

You agree to not post your personal details (e.g. telephone number, email address, etc.) and that you will not post content to the Community which will infringe any third party’s IPR, cause injury to or invade the privacy of any third party, constitutes a misuse of any confidential information of a third party or is defamatory, abusive or offensive, or is in any way contrary to applicable law. Examples of such prohibited content include, but are not limited to:

• Deliberately inflammatory comments or media (commonly referred to as ‘trolling’)

• Xenophobia, racism or personal abuse directed at other Community members

• Any defamatory comments or media concerning any person (Community members or otherwise)

• Obscene or pornographic material, or links to other sites that contain or promote obscene or pornographic material

• Discussion of how to circumvent copyright / any other law

• Posting information that may invade the personal privacy of any other person

• Commercial advertising, or the promotion of your own site (‘spamming’) any person or misrepresenting your identity or affiliation with any person

• Any material that promotes pyramid or referral schemes

Additionally, the following actions are not allowed:

• Attempting to bypass the auto-censor (by deliberately misspelling swear words)

• Any form of cyber bullying

You agree to indemnify OneMain and Tonic from any claim, loss, damage or expense (including, without limitation, reasonable legal fees) suffered as a result of your failure to comply with the provisions of this section titled “Release as to Image and Works” relating to the content you submit. Your liability under this clause is unlimited as you have control over the content you submit and need to take responsibility for it.

Withdrawal

You can unsubscribe / remove yourself from the Community at any time by emailing Tonic at team@financialfeedbackforum.com and putting the word 'unsubscribe' followed by your username in the subject title. Following withdrawal from the Community, you must keep all information disclosed or discovered as part of this closed Community confidential and OneMain / Tonic are free to use the information you have provided up to the date of your withdrawal. Nothing in this section titled “Withdrawal” shall be deemed to in any restrict the rights you have as to your personal data, as set forth in ICMIB’s Privacy Policy.

Confidentiality

As part of your involvement in the Community, you acknowledge that you may have access to Confidential Information that is confidential and valuable to OneMain and / or its employees, customers, advisers and / or business partners (“Associates”).

"Confidential Information" means all information, data and know-how of whatever nature and in whatever form, including, but not limited to, financial, legal, business, commercial, technical, operational, product, asset, network, organizational, management, employee, customer, supplier, investor and proprietary information (such as intellectual property, trade secrets, patents, patent applications, inventions, trademarks, drawings, materials, processes, engineering concepts, designs and specifications, developments, technical information (including CAD data)), research, knowledge, technology, inventions, discoveries, improvements and other proprietary, intellectual or industrial property, regarding or related to OneMain and / or its Associates, which may be supplied orally or in writing or in any other form by OneMain and / or its Associates before or after your participation in the Community.

As a condition of your involvement in the Community, you agree and accept the following:

a. You shall keep confidential and not disclose to any third party the Confidential Information unless required to do so by a Court order.

b. You shall not make nor authorize the making of any copies of the Confidential Information and shall not use in any way nor authorize any third party to use in any way the Confidential Information. You shall ensure adequate protection against unauthorized disclosure, copying or use of Confidential Information

c. The restrictions on use and disclosure set out in paragraphs a and b above will not apply to any Confidential Information which at the date of its disclosure to you is (i) public knowledge other than as a result of an act or omission on your part; or (ii) is already in your possession (as evidenced by its written records) prior to its disclosure, and the use and disclosure of such information is not subject to any obligation of confidentiality or restriction

d. You will upon demand by a representative of OneMain: (a) return all Confidential Information supplied to you and all copies which are in your possession or under your control; or (b) destroy (only if requested by OneMain) or have destroyed all notes, memoranda and other documents or computer files or records prepared by you which contain Confidential Information. If requested and where applicable, you will also provide a certificate signed by an officer of the company certifying that the above has been complied with

Term

The confidentiality obligations upon you contained in this agreement shall apply in perpetuity regardless of whether you withdraw from the Community.

Privacy Policy

Please review the Privacy Policy of ICMIB for additional information regarding privacy and data handling practices.

Any other questions?

If you require any further information about the OneMain Terms and Conditions contact:

US:

team@financialfeedbackforum.com

+1 (646) 556 9262

300 Park Avenue South, 9th Floor

New York NY, 10010