Last Updated: 15 January 2024 These 3 Way Terms of Use (“Terms”) set forth the terms and conditions that apply to your access and use of all 3 Way products and services (together, the “Services”), and that are made available through our websites including but not limited to [www.moneyleaf.com ]as well as through certain downloadable mobile applications (such websites or mobile applications, the “Site”). In the Terms, “3 Way” or “we” means 3 Way, its brand “ Supercompare”, and its affiliates and subsidiaries (and their predecessors in interest, successors and assigns), and “you” refers to the individual using the Services and, if such individual is using the Services on behalf of an entity or organization, then such entity or organization (and each of your successors and assigns). ABOUT US Supercompare is a lead generation and direct marketing brand of 3Way that connects people to products and services that adds value to their lives. We do this by partnering with product and services providers, 3^rd party providers, as well as marketplaces. When you choose to obtain Services through the Supercompare platform, we will bring you the latest deals, specials, promotions and more, in various industries as set out, and will keep you in touch with some of most respected and top financial services, insurance, telecommunications, recruitment companies, and more, operating in the United States. Our Services.  The Services are intended for U.S. residents only, and we offer the following categories of Services offerings which consist of, but are not limited to:

• financial services,
• insurance,
• automotive,
• loans,
• debt management,
• cell phone and data deals,
• job market and work-related opportunities,
• gaming and competitions,
• mobile subscription services,
• lifestyle products and opportunities,
• Mobile Value-Added Services (“VAS”) – being products and services that are added and an extension add on value Service to other service offerings .

Ways We Contact You.  Through the consent provided when you submitted your details through our Site or affiliated Sites, we reserve the right to send you, or facilitate the sending of, marketing communications via multiple channels, such as, but not limited to: automated voice messages, SMS’s, WhatsApp, e-mail and outbound calls from us or our partner call centers, in order to keep you updated and informed on these latest specials, deals and promotions we have on offer. Our Privacy Notice.  You can check out our Privacy Notice in order to see how we will responsibly use your personal information and keep it secure. Opting Out and Unsubscribing.  You can choose to stop hearing from us at any stage. “To Opt-Out” or “Unsubscribe”  you can follow this link: Here. Do Not Call.  You may also register on the National Do Not Call Registry which can be found at https://www.donotcall.gov/. This registry is managed by the U.S. Federal Trade Commission. Your Acceptance of our Terms and Privacy Notice.  By using or accessing the Services you agree to the Terms, as updated from time to time, and our Privacy Notice [Insert link to Privacy Notice], Your Consent to Data Transfer. By using or accessing the Services, you also agree and consent that we may transfer your data to our clients and partners for the purpose of marketing relevant deals and offers to you through various social media and electronic communication channels, including but not limited to email, AVM, SMS, WhatsApp or telephone. Arbitration.  THESE TERMS INCLUDE A MANDATORY ARBITRATION PROVISION AND CLASS ACTION WAIVER THAT GOVERNS ANY DISPUTES BETWEEN YOU AND US. PLEASE READ THEM CAREFULLY. IF YOU DO NOT AGREE TO THE TERMS, INCLUDING THE MANDATORY ARBITRATION PROVISION OR CLASS ACTION WAIVER, DO NOT USE THE SERVICES. APPROVING THESE TERMS AND OUR PRIVACY POLICY. There are many ways for you to agree to our Terms and subscribe to the Services:

• SMS – when you reply to our SMS by typing the word ‘YES’ or where you agree to receive a quote and become a customer;
• Email – when you click on the hyperlink in our email;
• Telephone – when you tell our call centre agent that we can contact you or when you provide your details for a quote or to purchase a product or service;
• Automated Voice Message (AVM) – you opt in when you press the number ‘1’;
• Social media (E.g. Facebook / Twitter) – you opt in by clicking on ‘call me back’ or ‘submit’;
• USSD – when you reply to our USSD messages and provide your information;
• Website – when you click on the ‘subscribe’ link on our Website which can be found here;
• Online form: when you fill in one of our online forms and submit your information;
• Please Call Me (PCM) – when you reply to our please call me message and follow the relevant steps .

1. REGISTRATION AND ACCOUNT SECURITY

To use the Services you must (i) be at least eighteen (18) years of age; (ii) have not previously been suspended or removed from the Services; and (iii) register for and use the Services in compliance with any and all applicable laws and regulations.

• Account Registration. To access some features of the Services, you may be required to register for an account. When you register for an account, we may ask you to give us certain identifying information, including but not limited to your email address, and to create a user name and password (“Registration Information”). When registering for and maintaining an account, you agree to provide true, accurate, current, and complete information about yourself.
• You Are Responsible For Your Account. You are solely responsible for maintaining the confidentiality and security of your password and other Registration Information. For your protection and the protection of other users, we ask you not to share your Registration Information with anyone else. If you do share this information with anyone, we will consider their activities to have been authorized by you. If you have reason to believe that your account is no longer secure, you must immediately notify us at compliance@supercompare.us.

2. THIRD PARTY SERVICES

• Advice from Third Parties. Some of the Services we offer involve advice from third parties and third party content. You hereby agree that any such advice and content is provided for informational, educational, or entertainment purposes only, and does not constitute legal, financial, tax planning, medical, or other advice from 3 Way. You agree that 3 Way is not liable for any advice provided by third parties. You agree that you are responsible for your own financial research and financial decisions (as applicable), and that 3 Way is not responsible or liable for any decisions or actions you take or authorize third parties to take on your behalf based on information you receive as a user of 3 Way’s Services.

• Sharing Information With Third Parties. By using the Services, you agree that 3 Way or its service providers may collect, store, and transfer such information on your behalf, and at your sole request. More information is available in our Privacy Policy . You agree that your decision to make available any sensitive or confidential information to third parties is your sole responsibility and at your sole risk. 3 Way has no control and makes no representations as to the use or disclosure of information provided to third parties. You agree that these third party services are not under 3 Way’s control, and that 3 Way is not responsible for any third party’s use of your information.

• 3 Way Does Not Endorse Third Parties. The Services may contain links to third party websites and services. 3 Way provides such links as a convenience and does not control or endorse these websites and services. You acknowledge and agree that in some cases 3 Way may not have reviewed the content, advertising, products, services, or other materials that appear on such third party websites or services, and is not responsible for the legality, accuracy, or appropriateness of any such content, and 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 the use of any such third party websites or services.

3. ACCEPTABLE USE POLICY.

You agree not to:

• Use the Services for any illegal purpose, or in violation of any local, state, national, or international law;
• Violate or misappropriate or encourage others to violate or misappropriate the rights of third parties, including intellectual property rights;
• Post, upload, or distribute any content that is unlawful, defamatory, libelous, inaccurate, or that a reasonable person could deem to be objectionable, profane, indecent, pornographic, harassing, threatening, hateful, or otherwise inappropriate;
• Interfere in any way with security-related features of the Services or the Site;
• Interfere with the operation or any user’s enjoyment of the Services, including by uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code, making unsolicited offers or advertisements to other users, or attempting to collect personal information about users or third parties without their consent;
• Access, monitor or copy any content or information of the Site using any robot, scripts, spider, scraper, or other automated means or for any purpose or any manual process to collect information or content, or use the Services as part of any machine learning or similar algorithmic activity without 3 Way’s express written permission;
• Perform any fraudulent activity, including impersonating any person or entity, claiming false affiliations, accessing the accounts of other users without permission, or falsifying your identity or any information about you, including age or date of birth;
• Copy, reproduce, rent, lease, sell, transfer, assign, sublicense, modify, publish, disclose, distribute, display or prepare derivative works of the Services;
• Except to the extent permitted by applicable law and except to the extent expressly permitted in these Terms, reverse engineer, disassemble, or decompile the Services, including any corresponding source code, without prior written consent from us; or
• Sell or otherwise transfer the access granted herein.

4. INTELLECTUAL PROPERTY AND USER CONTENT.

The Services are protected by applicable copyright and other intellectual property laws, and no materials from the Services may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way without our express permission. All trademarks and service marks on the Services belong to 3 Way, except third-party trademarks or service marks, which are the property of their respective owners. If you believe that your content has been used in a way that constitutes copyright infringement, you may email: compliance@supercompare.us. You must provide the following information: an electronic or physical signature of the copyright owner or the person authorized to act on behalf of the copyright owner; a description of the copyrighted work that you claim has been infringed; a description of where the material that you claim is infringing is located; your address, telephone number, and email address; a written statement that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf. 3 Way has adopted and implements a policy that provides for termination in appropriate circumstances of accounts of users who repeatedly infringe copyright or other intellectual property rights of 3 Way or others.

5. INDEMNIFICATION

You agree that you will be personally responsible for your use of the Services, and you agree to defend, indemnify, and hold harmless 3 Way and its employees, contractors, directors, officers and contractors from and against any and all claims, liabilities, damages, losses, and expenses (including attorneys’ and accounting fees and costs), arising out of or in any way connected with (i) any Content you have submitted to or through the Services; (ii) your violation of the Terms or any applicable law or regulation; (iii) your violation of any third party right, including without limitation any intellectual property right, publicity, confidentiality, property, or privacy right; or (iv) any disputes or issues between you and any third party.

6. TERMINATION

Termination by Either Party. If you violate the Terms, your permission to use the Services will automatically terminate. In addition, 3 Way in its sole discretion may suspend or terminate your user account and/or suspend or terminate some or all of your access to the Services at any time, with or without notice to you. You may terminate your account at any time by contacting Customer Service at compliance@supercompare.us, or as set forth below in subsection (b). After your account is terminated, information and Content previously provided by you will no longer be accessible through your account, but 3 Way may continue to store such information and content, and it may also be stored by third parties to whom it has been transferred through your use of the Services.

• YOUR RIGHTS TO OPT OUT AND UNSUBSCRIBE

You can ask us to opt you out of the Supercompare services at any time. There are many ways to do this:

• SMS – you opt out when you reply to our SMS by typing the word ‘STOP’;
• Email – you opt out when you click on the ‘unsubscribe’ hyperlink in our email;
• Telephone – you opt out when you tell our call centre agent to stop contacting you;
• Automated Voice Message (AVM) – we give you to opt out during the call;
• Website – click on the ‘unsubscribe’ link on our Website which can be found here;

Some important things to know about opting out / unsubscribing:

• We will provide you with the opportunity to opt-out of our services during any communications we have with you;
• If you opted in to both the Services and the services of our client, then you will need to unsubscribe from our client’s services directly in the manner set out in their terms and conditions. If you are unsure how to do this, you can contact us at compliance@supercompare.us, and we will help you.

7. MODIFICATION OF THE TERMS

3 Way may modify the Terms and impose new or additional terms or conditions on any use of the Services from time to time so please do check for changes.

8. DISCLAIMERS OF WARRANTIES.

The disclaimers and limitations on our liability in this section 8 apply to the fullest extent permitted by applicable law. the services are provided “as is” and on an “as available” basis, without warranty or condition of any kind, either express or implied. although 3 Way seeks to maintain safe, secure, accurate, and well-functioning services, we cannot guarantee the continuous operation of or access to our services, and there may at times be inadvertent technical or factual errors or inaccuracies.

• NO GUARANTEE OF ACCURACY. 3 Way does not guarantee the accuracy of, and disclaims all liability for, any errors or other inaccuracies in the information, content, recommendations, and materials made available through the services.

• NO WARRANTIES REGARDING THIRD PARTIES. 3 Way makes no representations, warranties, or guarantees, express or implied, regarding any third party service or advice provided by a third party, or any quotes or offers provided through the services. 3 Way does not endorse any particular service provider, partner or other third party. 3 Way acts solely as an intermediary between you and third party service providers and expressly disclaims any and all liability for any content, products, or services provided by such service providers. see section 3 above, for more information regarding third parties and third party services.

9. LIMITATION OF LIABILITY.

To the fullest extent permitted by applicable law: (a) in no event will 3 Way or its officer’s, employees, service providers or representatives be liable to you for any incidental, special, consequential, indirect, or punitive damages, or for loss of profits, revenue, data or use, whether based on warranty, contract, tort (including negligence), statute, or any other legal theory, whether or not 3 Way has been informed of the possibility of such damage, and (b) to the extent our liability has not already been excluded in the foregoing, in no event shall our cumulative liability to you, whether in contract, tort, or otherwise, exceed the greater of what you paid us for the applicable services (if any) and US $100.

10. GOVERNING LAW. The Terms are governed by the laws of the State of Delaware and the Federal Arbitration Act (“FAA”), without regard to conflict of law principles. Subject to Section 12, you and 3 Way agree to submit to the exclusive personal jurisdiction of the state courts and federal courts  where the dispute arose for the purpose of litigating such dispute. We make no representation that information and materials included in the Services are appropriate or available for use outside the U.S.

11. DISPUTE RESOLUTION BY BINDING ARBITRATION

  Class Action Waiver. Most disputes and customer concerns can be resolved quickly and to your satisfaction by contacting us at compliance@supercompare.us however, in the unlikely event that 3 way cannot resolve a dispute with you, then, except with respect to small court claims and claims related to intellectual property as set forth in the “Arbitration Agreement” section below (“Arbitration Agreement”), both you and 3 Way agree to submit the dispute to the American Arbitration Association under its consumer and/or commercial arbitration rules or, by separate mutual agreement, to another arbitration institution, in accordance with the “Arbitration Agreement” section below. You understand that by entering into this Arbitration Agreement, you and 3 Way are each waiving the right to a trial by jury or to participate in a class action. “ARBITRATION AGREEMENT” You and 3 Way agree to resolve any and all disputes through arbitration, except for specific situations where injunctive relief or small claims court may apply. Both parties waive the right to a jury trial and participation in class or representative actions. The arbitration provisions in these T&Cs will continues to apply even after the termination of your relationship with 3Way. Any arbitration between you and 3 Way will be governed by the American Arbitration Association (AAA) rules, with the arbitrator having the authority to decide various issues, including the scope and enforceability of the arbitration provision and other terms. However, if either party initiates class or representative claims in court, the court will decide if such proceedings will be permitted. Any settlement offers made during arbitration are kept confidential until the arbitrator makes a determination. The arbitration proceedings are generally confidential, except when court intervention is necessary. Before initiating arbitration, the party must send a written notice of dispute to the other party, describing the nature of the claim and the relief sought; if no agreement is reached within 30 days, arbitration may commence. All disputes will be resolved through individual arbitration and any class actions or collective arbitrations are prohibited. If there are more than 150 similar arbitration demands by the same law firm within 180 days, these can be grouped into batches for the purposes of more efficient dispute resolution, but if this is not the case, they must be resolved individually. It is hereby record that the rest of these T&Cs will remain in force even if parts of this section are unenforceable.

• Discovery.

Discovery and/or the exchange of non-privileged information relevant to the dispute will be governed by the AAA Rules.

• Injunctive Relief.

Notwithstanding the Arbitration Agreement, you acknowledge that money damages are an inadequate remedy for unauthorized access to or use of the Services or your breach of any provisions in the Terms relating to 3 Way’s intellectual property rights, and any such breach would result in irreparable harm to 3 Way. Accordingly, in the event of any such actual or threatened breach, 3 Way may, in addition to any other rights or remedies available to 3 Way at law or equity, seek specific performance or injunctive relief without the posting of a bond.

• Modification of the Services.

3 Way reserves the right to modify or discontinue, temporarily or permanently, some or all of the Services at any time without any notice or further obligation to you. You agree that 3 Way will not be liable to you or to any third party for any modification, suspension, or discontinuance of any of the Services.

• General
  1. Entire Agreement. These Terms of Use, together with the Privacy Policy, constitute the entire and exclusive understanding and agreement between you and 3 Way regarding your use of and access to the Services, and except as expressly permitted above may only be amended by a written agreement signed by authorized representatives of the parties.
  2. No Waiver. The failure to require performance of any provision shall not affect our right to require performance at any time thereafter, nor shall a waiver of any breach or default of the Terms constitute a waiver of any subsequent breach or default or a waiver of the provision itself.

• Partner Terms. In some instances, 3 Way’s third party partners require that 3 Way users agree to be bound by some additional terms of use that are specific to particular products or services (“Partner Terms”). In the event of any conflict between the Partner Terms and 3 Way’s Terms of Use, 3 Way’s Terms of Use govern and control.

1. Third Party Beneficiaries. 3 Way’s former and past employees, directors, officers and contractors, and each of their successors and assigns, are intended beneficiaries of Section 6 (Indemnification) and the Arbitration Agreement and have the right to enforce such provisions against you. The Terms are not otherwise intended to grant rights to anyone except you and 3 Way or create any third-party beneficiary rights.

  NOTICE TO CALIFORNIA RESIDENTS. Under California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite S-202, Sacramento, California 95834, or by telephone at (800) 952-5210 in order to resolve a complaint regarding the Services. 3 Way Customer Service. To contact us with questions or suggestions about the service please email us at compliance@supercompare.us.