We offer access to the Lumos Portal Application on the Website. Registration for or use of the Service is conditioned on Your agreement to the following additional provisions:

• Indemnification You indemnify and hold Us and Our and Affiliates, officers, directors, employees and agents harmless from and against any and all claims, costs, damages, losses, liabilities and expenses (including attorneys’ fees and costs) arising out of or in connection with any claim alleging that use of the Application or Your data infringes the rights of, or has caused harm to, a third party.
• User Responsibilities With access to the Application, You shall be responsible (i) at Your own cost, for providing and maintaining any equipment and third-party software, and any other connectivity requirements, necessary to access the Internet for the purposes of using Lumos Portal; (ii) for the security of passwords provided to You for use with Your account and by Your authorized users; (iii) for the accuracy, quality and legality of Your data and of the means by which You acquired such data, except to the extent, if any, that such financial data is provided by Us; and (iv) to ensure compliance with these Terms by Your users, employees, business associates and agents. You shall (a) use commercially reasonable efforts to prevent unauthorized access to or use of Lumos Portal, and notify Use promptly of any such unauthorized access or use; (b) use Lumos Portal only in accordance with their supporting documentation and applicable laws and government regulations; and (c) remain solely responsible for backing-up Your and communications maintained or transmitted through use of Lumos Portal Application. Accordingly, We shall have no responsibility or liability for the deletion or failure by You to store any such data or communications.  You may not: (i) disclose or distribute the Data or substantial portions thereof to any third party; (ii) disclose or distribute to any third party any information within the Data that is capable of identifying an individual person or household (“Personal Information”), nor any phone numbers, postal addresses, email addresses, or other contact information contained within the Data.  You may not disclose or publicize FUND scores. Notwithstanding the foregoing, You may disclose and provide access to Data for state and federal regulatory officials reviewing lender credit files, and for third party services in support of their marketing efforts.  Further, disclosure of Personal Information contained within your communications to the individual(s) to whom the Personal Information relates (e.g. addressee information on postal mail) shall not be considered a violation of this paragraph. You shall at all times comply with applicable law, rules and regulations in connection with its use, storage, reproduction, and distribution of Data and in connection with marketing and/or other communications to any person, household or organization identified within the Data, including, without limitation, all applicable requirements of the Telephone Consumer Protection Act of 1991(47 U.S.C 227) and the CAN-SPAM Act of 2003 (15 U.S.C. 103)
• Restrictions With access to the Application, You may not (i) modify, reverse engineer, decompile, disassemble or otherwise attempt to obtain the source code or underlying algorithms or functionalities of the Applications; (ii) offer use of Lumos Portal to any third party (e.g., as a part of a service bureau, time-sharing or other similar arrangement) or for the benefit of any third party; (iii) attempt to disable or circumvent any security mechanisms used by Lumos Portal or any applications running on the Lumos Portal Dashboard, or otherwise gain or attempt to gain unauthorized access to the Application or Our equipment or computer networks used to provide the Service; (iv) interfere with or disrupt the Lumos Portal Service or Our equipment or computer networks connected thereto; or (v) access the Application for purposes of bringing any intellectual property suit against Us or for monitoring its availability, performance, functionality, or any other benchmarking or competitive purposes. Additionally, You may not use Lumos Portal in violation of any applicable laws or rights of third parties including, without limitation, to (a) send spam or unsolicited electronic mail messages; (b) store prohibited material including any content, application or data that infringes the proprietary or privacy rights of others, is obscene, threatening, libelous, or otherwise unlawful or tortuous or material harmful to children; or (c) send or store material containing software viruses, worms, Trojan horses or other harmful computer code, files, scripts, agents or programs.
• Ownership; Software License All right, title and interest, including all Intellectual Property Rights, in and to the Your data (but excluding the Lumos Portal Service used in connection therewith) are and shall remain Your property. All right, title and interest, including all Intellectual Property Rights, in and to Lumos Portal and the Application, including but not limited to proprietary lending data and all other data related to the Application, are and shall remain Our sole property. In consideration of these Terms, We grant You an irrevocable, fully paid-up, non-exclusive license during the Term to use Lumos Portal consistently with Your rights and obligations under this Agreement. You acknowledge and agree that You have no ownership interest or legal right to Lumos Portal, the Application software and related functionalities, algorithms and information, or to use of same, except and only as provided by these Terms. You may export an image/pdf/ppt of the Lumos Portal Dashboard and export summary data, but shall not otherwise be entitled to export data or information generated by the Lumos Portal Service unless your Subscription specifically grants that access.
• PDF You may share PDFs purchased via Lumos Portal Service with your Organization but are not granted the right to share outside or your Organization.
• User Data You hereby grant to Us an irrevocable, fully paid-up, non-exclusive license during the Term to use, store, reproduce and transmit Your data as necessary for Us to provide the Lumos Portal Service in accordance with this Agreement and for Us to improve, modify or upgrade the Application.
• Reservation of Intellectual Property Rights The software, workflow processes, designs, know-how and other technologies provided by Us as part of the Lumos Portal Service and Application are the proprietary property of Us and our licensors. All right, title and interest in and to such items, including all associated Intellectual Property Rights, remain solely with Us. We reserve all Intellectual Property Rights other than as specifically and expressly granted in these Terms.