Terms of Service

Effective: March 12, 2018, Last Updated: April 1, 2018

Thanks for using Margin Labs Inc.’s (“Margin,” “we,” or “us”) website (www.margin.co) (the “Site”), mobile application (the “App”), and browser extension (together with the Site and the App, the “Services”). By accessing or using the Services, you signify that you have read, understood, and agree to be bound by this Terms of Service (“Agreement”) and to the collection and use of your information as set forth in the Margin Privacy Policy, whether or not you are a registered user of our Services. Margin reserves the right to make unilateral modifications to this Agreement and will provide notice of these changes as described below. This Agreement applies to all visitors, users, and others who access the Services (“Users”).

Please read this Agreement carefully to ensure that you understand each provision. This agreement contains a mandatory individual arbitration and class action/jury trial waiver provision that requires the use of arbitration on an individual basis to resolve disputes, rather than jury trials or class actions.

  1. Use of Our Services
    1. Eligibility
      This is a contract between you and Margin. You must read and agree to this Agreement before using the Services. If you do not agree, you may not use the Services. You may use the Services only if you can form a binding contract with Margin, and only in compliance with this Agreement and all applicable local, state, national, and international laws, rules and regulations. Any use or access to the Services by anyone under 18 is strictly prohibited and in violation of this Agreement. The Services are not available to any Users previously removed from the Services by Margin.
    2. Services Description
      Our Services monitor your purchases for price reductions. When you register for an account with us, you authorize Margin to track price protection benefits and appoint Margin as your agent (including acting as an attorney in fact) for the purpose of claiming price protection refunds on your behalf from price protection benefit providers, such as credit card issuers and merchants, (“Refunds") for products and services you have previously purchased (“Purchased Products”).

      Certain features of the Services require identifying information about the User and Purchased Products in order to obtain User and Purchased Product information; access, track and use accounts held with third parties in the Users’ name; and submit Refund requests in the Users’ name. The Services provide a variety of mechanisms for Margin to obtain the User’s identifying information, including direct submission by Users.. For instance, Users may provide Margin with the login-in credentials for their applicable accounts held by third parties for Margin to sign-into these accounts, including credit card, email, e-commerce, or other accounts. A User may also grant Margin access to accounts held by third parties through an API connection and an authentication service. Further, users may submit their identifying information through a variety of third party platforms, such as photo or email applications. The mechanisms utilized by the Services to collect User information are not limited to those discussed in this paragraph and any collection of personal information is subject to our Privacy Policy.

      You hereby appoint us as your limited agent, and by providing us with your account log-in credentials, you expressly allow us to use the features of your accounts to provide the Services and continually review the contents of such accounts (including any account statements). You represent, warrant, and covenant that our access and use of such accounts is permitted under the relevant account’s terms of service. You also expressly permit Margin to (i) verify all information and documentation provided by you (e.g., receipts or statements), and to exchange information about you with your credit card issuers or other price protection providers; (ii) sign and submit, in your name and on your behalf, such Refund requests as necessary or useful to provide the Services; and (iii) send emails from your third-party email account(s) as necessary or useful to claim Refunds on your behalf.

      You explicitly acknowledge that in order to claim certain Refunds, you may be required to submit additional information and documents to Margin or to such other entity as Margin may direct. MARGIN SHALL IN NO EVENT BE LIABLE FOR ANY DAMAGES, WHETHER DIRECT, INDIRECT, INCIDENTAL OR CONSEQUENTIAL, INCURRED BY USER DUE TO LOSS OR EXPOSURE OF ANY SUCH INFORMATION OR DOCUMENTS.

      For Margin to track price protection benefits for a Purchased Product, you (i) authorize Margin to collect a service fee of 25% of every Refund (“Service Fee”) through the payment method authorized by you to Margin; (ii) agree and acknowledge that Margin may, at its sole discretion, change the Service Fee from time to time; (iii) will check the Service Fee rate which Margin may change from time to time; (iv) will not knowingly utilize the Service to submit Refund requests for Purchased Products which you have or intend to return; and (v) will not yourself or through use of any other services to track price protection benefits, submit duplicative Refund requests, or otherwise use services competitive of the Service, including, using any other services to submit duplicative Refund requests for the Purchased Products. Margin will provide you with an invoice of Service Fees owed at the end of each month in an electronic form. You will have five (5) days from the receipt of each invoice (the “Dispute Period”) to dispute the amount. Any objections to the invoice should be made by emailing us at help@margin.co. Following the Dispute Period, Margin will charge the card on file the Service Fees.

      If you believe you were charged in error, please notify us at help@margin.co.
    3. Access to the Services
      Subject to the terms and conditions of this Agreement, you are hereby granted a non-exclusive, limited, non-transferable, freely revocable license to use the Services for your personal, noncommercial use only and as permitted by the features of the Services. Margin reserves all rights not expressly granted herein in the Services and the Margin Content (as defined below). Margin may terminate this license at any time for any reason or no reason.

      To use the App you must have a mobile device that is compatible with the App. Margin does not warrant that the App will be compatible with your mobile device. You may use mobile data in connection with the App and may incur additional charges from your wireless provider for these services. You agree that you are solely responsible for any such charges. Margin hereby grants you a non-exclusive, non-transferable, revocable license to use a compiled code copy of the App for one Margin account on one mobile device owned or leased solely by you, for your personal use. You may not: (i) modify, disassemble, decompile or reverse engineer the App, except to the extent that such restriction is expressly prohibited by law; (ii) rent, lease, loan, resell, sublicense, distribute or otherwise transfer the App to any third party or use the App to provide time sharing or similar services for any third party; (iii) make any copies of the App; (iv) remove, circumvent, disable, damage or otherwise interfere with security-related features of the App, features that prevent or restrict use or copying of any content accessible through the App, or features that enforce limitations on use of the App; or (v) delete the copyright and other proprietary rights notices on the App. You acknowledge that Margin may from time to time issue upgraded versions of the App, and may automatically electronically upgrade the version of the App that you are using on your mobile device. You consent to such automatic upgrading on your mobile device, and agree that the terms and conditions of this Agreement will apply to all such upgrades. Any third-party code that may be incorporated in the App is covered by the applicable open source or third-party license EULA, if any, authorizing use of such code. The foregoing license grant is not a sale of the App or any copy thereof, and Margin or its third-party partners or suppliers retain all right, title, and interest in the App (and any copy thereof). Any attempt by you to transfer any of the rights, duties or obligations hereunder, except as expressly provided for in this Agreement, is void. Margin reserves all rights not expressly granted under this Agreement. If the App is being acquired on behalf of the United States Government, then the following provision applies.
    4. Margin Accounts
      Your Margin account gives you access to the services and functionality that we may establish and maintain from time to time and in our sole discretion.

      You may never use another User’s account without permission. When creating your account, you must provide accurate and complete information, and you must keep this information up to date. You are solely responsible for the activity that occurs on your account, and you must keep your account password secure. We encourage you to use “strong” passwords (passwords that use a combination of upper and lower case letters, numbers and symbols) with your account. You must notify Margin immediately of any breach of security or unauthorized use of your account. Margin will not be liable for any losses caused by any unauthorized use of your account.

      You may control your User profile and how you interact with the Services by changing the settings in Settings. By providing Margin your email address you consent to our using the email address to send you Services-related notices, including any notices required by law, in lieu of communication by postal mail. We may also use your email address to send you other messages, such as changes to features of the Services and special offers. If you do not want to receive such email messages, you may opt out or change your preferences in Settings. Opting out may prevent you from receiving email messages regarding updates, improvements, or offers.
    5. Referral / Incentive Programs
      You may be entitled to participate in Margin’s referral or incentive programs (“Programs”).

      By participating in the Programs, you may receive referral fee(s): (i) through your own use of the Service; (ii) through referral features provided by us (e.g., referral link, referral code, QR code); (iii) when other users successfully create Margin Accounts using your referral code; or (iv) based on a percentage of the Service Fee earned on your Refunds. Further details regarding the Programs, including referral fees, will be further described within the application referral page.

      Margin will use good faith efforts to ascertain all transactions that are eligible for the Programs. Decisions regarding whether a particular transaction qualifies for a referral fee will be at Margin’s sole and exclusion discretion.
    6. Services Rules
      You agree not to engage in any of the following prohibited activities: (i) copying, distributing, or disclosing any part of the Services in any medium, including without limitation by any automated or non-automated “scraping”; (ii) using any automated system, including without limitation “robots,” “spiders,” “offline readers,” etc., to access the Services in a manner that sends more request messages to the Margin servers than a human can reasonably produce in the same period of time by using a conventional on-line web browser (except that Margin grants the operators of public search engines revocable permission to use spiders to copy publically available materials from Margin.co for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials); (iii) transmitting spam, chain letters, or other unsolicited email; (iv) attempting to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the Services; (v) taking any action that imposes, or may impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure; (vi) uploading invalid data, viruses, worms, or other software agents through the Services; (vii) collecting or harvesting any personally identifiable information, including account names, from the Services; (viii) using the Services for any commercial solicitation purposes; (ix) impersonating another person or otherwise misrepresenting your affiliation with a person or entity, conducting fraud, hiding or attempting to hide your identity; (x) interfering with the proper working of the Services; (xi) accessing any content on the Services through any technology or means other than those provided or authorized by the Services; or (xii) bypassing the measures we may use to prevent or restrict access to the Services, including without limitation features that prevent or restrict use or copying of any content or enforce limitations on use of the Services or the content therein.

      We may, without prior notice, change the Services; stop providing the Services or features of the Services, to you or to Users generally; or create usage limits for the Services. We may permanently or temporarily terminate or suspend your access to the Services without notice and liability for any reason, including if in our sole determination you violate any provision of this Agreement, or for no reason. Upon termination for any reason or no reason, you continue to be bound by this Agreement.

      You are solely responsible for your interactions with other Margin Users. We reserve the right, but have no obligation, to monitor disputes between you and other Users. Margin shall have no liability for your interactions with other Users, or for any User’s action or inaction.
  2. User Documentation License Grant
    By disclosing or otherwise providing access to your accounts (including all content therein), receipts, credit card statements, and any other information or materials (“User Documentation”) on or through the Services, you expressly grant, and you represent and warrant that you have all rights necessary to grant, to Margin a royalty-free, sublicensable, transferable, perpetual, irrevocable, non-exclusive, worldwide license to use, reproduce, and modify all such User Documentation, for use in connection with the Services and Margin’s (and its successors’ and affiliates’) business.
  3. Our Proprietary Rights
    Except for your User Documentation, the Services and all materials therein or transferred thereby, including, without limitation, software, images, text, graphics, illustrations, logos, patents, trademarks, service marks, copyrights, photographs, audio, and videos (the “Margin Content”), and all Intellectual Property Rights related thereto, are the exclusive property of Margin and its licensors. Except as explicitly provided herein, nothing in this Agreement shall be deemed to create a license in or under any such Intellectual Property Rights, and you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit or create derivative works from any Margin Content. Use of the Margin Content for any purpose not expressly permitted by this Agreement is strictly prohibited.

    You may choose to or we may invite you to submit comments or ideas about the Services, including without limitation about how to improve the Services or our products (“Ideas”). By submitting any Idea, you agree that your disclosure is gratuitous, unsolicited and without restriction and will not place Margin under any fiduciary or other obligation, and that we are free to use the Idea without any additional compensation to you, and/or to disclose the Idea on a non-confidential basis or otherwise to anyone. You further acknowledge that, by acceptance of your submission, Margin does not waive any rights to use similar or related ideas previously known to Margin, or developed by its employees, or obtained from sources other than you.
  4. Text Messaging
    You may sign up to receive certain Margin notifications or information via text messaging. You may incur additional charges from your wireless provider for these services. You agree that you are solely responsible for any such charges.
  5. Privacy; Security
    We care about the privacy of our Users. You understand that by using the Services you consent to the collection, use and disclosure of your personally identifiable information and aggregate data as set forth in our Privacy Policy, and to have your personally identifiable information collected, used, transferred to and processed in the United States.
  6. Security
    Margin uses commercially reasonable physical, managerial, and technical safeguards designed to preserve the integrity and security of your personal information and implement your privacy settings. However, we cannot guarantee that unauthorized third parties will never be able to defeat our security measures or use your personal information for improper purposes. You acknowledge that you provide your personal information at your own risk.
  7. Third-Party Links and Information
    The Services may contain links to third-party materials that are not owned or controlled by Margin. Margin does not endorse or assume any responsibility for any such third-party sites, information, materials, products, or services. If you access a third-party website or service from the Services on or through any third-party website or service, you do so at your own risk, and you understand that this Agreement and Margin’s Privacy Policy do not apply to your use of such sites. You expressly relieve Margin from any and all liability arising from your use of any third-party website, service, or content. Additionally, your dealings with or participation in promotions of advertisers found on the Services, including payment and delivery of goods, and any other terms (such as warranties) are solely between you and such advertisers. You agree that Margin shall not be responsible for any loss or damage of any sort relating to your dealings with such advertisers.
  8. Indemnity
    You agree to defend, indemnify and hold harmless Margin and its subsidiaries, agents, licensors, managers, and other affiliated companies, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees) arising from: (i) your use of and access to the Services, including any data or content transmitted or received by you; (ii) your violation of any term of this Agreement, including without limitation your breach of any of the representations and warranties above; (iii) your violation of any third-party right, including without limitation any right of privacy or Intellectual Property Rights; (iv) your violation of any applicable law, rule or regulation; (v) User Documentation or any content that is submitted via your account including without limitation misleading, false, or inaccurate information; (vi) your willful misconduct; or (vii) any other party’s access and use of the Services with your unique username, password or other appropriate security code.
  9. No Warranty
    The Services are provided on an “as is” and “as available” basis. Use of the Services are at your own risk. To the maximum extent permitted by applicable law, the Services are provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement. Margin makes no warranties with respect to the benefit of using the Service as opposed to alternative methods of tracking and claiming Refunds, the chances of success of any Refund claims submitted through the Service, or that Refunds claimed through the Service reflect the maximum Refund available with respect to the relevant Item. No advice or information, whether oral or written, obtained by you from Margin or through the Services will create any warranty not expressly stated herein. Without limiting the foregoing, Margin, its subsidiaries, its affiliates, and its licensors do not warrant that the content is accurate, reliable or correct; that the Services will meet your requirements; that the Services will be available at any particular time or location, uninterrupted or secure; that any defects or errors will be corrected; or that the Services are free of viruses or other harmful components. Any content downloaded or otherwise obtained through the use of the Services are downloaded at your own risk and you will be solely responsible for any damage to your computer system or mobile device or loss of data that results from such download or your use of the Services.

    Margin does not warrant, endorse, guarantee, or assume responsibility for any product or site advertised or offered by a third party through the Services or any hyperlinked website or site, and Margin will not be a party to or in any way monitor any transaction between you and third-party providers of products or services.

    Federal law, some states, provinces and other jurisdictions do not allow the exclusion and limitations of certain implied warranties, so the above exclusions may not apply to you. This agreement gives you specific legal rights, and you may also have other rights which vary from state to state. The disclaimers and exclusions under this agreement will not apply to the extent prohibited by applicable law.
  10. Limitation of Liability
    To the maximum extent permitted by applicable law, in no event shall Margin, its affiliates, agents, directors, employees, suppliers or licensors be liable for any indirect, punitive, incidental, special, consequential or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data or other intangible losses, arising out of or relating to the use of, or inability to use, the Services or otherwise incurred by user due to inability or loss of opportunity to claim refunds with respect to purchased products. Under no circumstances will Margin be responsible for any damage, loss or injury resulting from hacking, tampering or other unauthorized access or use of the Services or your account or the information contained therein.

    To the maximum extent permitted by applicable law, Margin assumes no liability or responsibility for any (i) errors, mistakes, or inaccuracies of content; (ii) personal injury or property damage, of any nature whatsoever, resulting from your access to or use of our site; (iii) any unauthorized access to or use of our secure servers and/or any and all personal information stored therein; (iv) any interruption or cessation of transmission to or from the Services; (v) any bugs, viruses, trojan horses, or the like that may be transmitted to or through our site by any third party; (vi) any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the Services; and/or (vii) User Documentation or the defamatory, offensive, or illegal conduct of any third party. In no event shall Margin, its affiliates, agents, directors, employees, suppliers, or licensors be liable to you for any claims, proceedings, liabilities, obligations, damages, losses or costs in an amount exceeding the amount you paid to Margin hereunder or $100.00, whichever is greater.

    This limitation of liability section applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if Margin has been advised of the possibility of such damage. The foregoing limitation of liability shall apply to the fullest extent permitted by law in the applicable jurisdiction.

    Some states do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations or exclusions may not apply to you. This agreement gives you specific legal rights, and you may also have other rights which vary from state to state. The disclaimers, exclusions, and limitations of liability under this agreement will not apply to the extent prohibited by applicable law.


    The Services are controlled and operated from facilities in the United States. Margin makes no representations that the Services are appropriate or available for use in other locations. Those who access or use the Services from other jurisdictions do so at their own volition and are entirely responsible for compliance with all applicable United States and local laws and regulations, including but not limited to export and import regulations. You may not use the Services if you are a resident of a country embargoed by the United States, or are a foreign person or entity blocked or denied by the United States government. Unless otherwise explicitly stated, all materials found on the Services are solely directed to individuals, companies, or other entities located in the United States.
  11. Governing Law, Arbitration, and Class Action/Jury Trial Waiver
    1. Governing Law
      You agree that: (i) the Services shall be deemed solely based in New York; and (ii) the Services shall be deemed a passive one that does not give rise to personal jurisdiction over us, either specific or general, in jurisdictions other than New York. This Agreement shall be governed by the internal substantive laws of the State of New York, without respect to its conflict of laws principles. The parties acknowledge that this Agreement evidences a transaction involving interstate commerce. Notwithstanding the preceding sentences with respect to the substantive law, any arbitration conducted pursuant to the terms of this Agreement shall be governed by the Federal Arbitration Act (9 U.S.C. §§ 1-16). The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded. You agree to submit to the personal jurisdiction of the federal and state courts located in New York, New York for any actions for which we retain 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 our copyrights, trademarks, trade secrets, patents, or other intellectual property or proprietary rights, as set forth in the Arbitration provision below, including any provisional relief required to prevent irreparable harm. You agree that New York, New York is the proper forum for any appeals of an arbitration award or for trial court proceedings in the event that the arbitration provision below is found to be unenforceable.
    2. Arbitration
      Read this section carefully because it requires the parties to arbitrate their disputes and limits the manner in which you can seek relief from Margin. For any dispute with Margin, you agree to first contact us at help@margin.co and attempt to resolve the dispute with us informally. In the unlikely event that Margin has not been able to resolve a dispute it has with you after sixty (60) days, we each agree to resolve any claim, dispute, or controversy (excluding any claims for injunctive or other equitable relief as provided below) arising out of or in connection with or relating to this Agreement, or the breach or alleged breach thereof (collectively, “Claims”), by binding arbitration by JAMS, under the Optional Expedited Arbitration Procedures then in effect for JAMS, except as provided herein. JAMS may be contacted at www.jamsadr.com. The arbitration will be conducted in New York, [New York, unless you and Margin agree otherwise. If you are using the Services for commercial purposes, each party will be responsible for paying any JAMS filing, administrative and arbitrator fees in accordance with JAMS rules, and the award rendered by the arbitrator shall include costs of arbitration, reasonable attorneys’ fees and reasonable costs for expert and other witnesses. If you are an individual using the Services for non-commercial purposes: (i) JAMS may require you to pay a fee for the initiation of your case, unless you apply for and successfully obtain a fee waiver from JAMS; (ii) the award rendered by the arbitrator may include your costs of arbitration, your reasonable attorney’s fees, and your reasonable costs for expert and other witnesses; and (iii) you may sue in a small claims court of competent jurisdiction without first engaging in arbitration, but this does not absolve you of your commitment to engage in the informal dispute resolution process. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. Nothing in this Section shall be deemed as preventing Margin from seeking injunctive or other equitable relief from the courts as necessary to prevent the actual or threatened infringement, misappropriation, or violation of our data security, Intellectual Property Rights or other proprietary rights.
    3. Class Action/Jury Trial Waiver
      With respect to all persons and entities, regardless of whether they have obtained or used the site for personal, commercial or other purposes, all Claims must be brought in the parties’ individual capacity, and not as a plaintiff or class member in any purported class action, collective action, private attorney general action or other representative proceeding. This waiver applies to class arbitration, and, unless we agree otherwise, the arbitrator may not consolidate more than one person’s claims. You agree that, by entering into this agreement, you and Margin are each waiving the right to a trial by jury or to participate in a class action, collective action, private attorney general action, or other representative proceeding of any kind.
  12. General
    1. Assignment
      This Agreement, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by Margin without restriction. Any attempted transfer or assignment in violation hereof shall be null and void.
    2. Notification Procedures and Changes to the Agreement
      Margin may provide notifications, whether such notifications are required by law or are for marketing or other business related purposes, to you via email notice, written or hard copy notice, or through posting of such notice on our website, as determined by Margin in our sole discretion. Margin reserves the right to determine the form and means of providing notifications to our Users, provided that you may opt out of certain means of notification as described in this Agreement. Margin is not responsible for any automatic filtering you or your network provider may apply to email notifications we send to the email address you provide us. Margin may, in its sole discretion, modify or update this Agreement from time to time, and so you should review this page periodically. When we change the Agreement in a material manner, we will update the ‘last modified’ date at the top of this page and notify you that material changes have been made to the Agreement. Your continued use of the Services after any such change constitutes your acceptance of the new Terms of Service. If you do not agree to any of these terms or any future Terms of Service, do not use or access (or continue to access) the Services.
    3. Entire Agreement/Severability
      This Agreement, together with any amendments and any additional agreements you may enter into with Margin in connection with the Services, shall constitute the entire agreement between you and Margin concerning the Services. If any provision of this Agreement is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect, except that in the event of unenforceability of the universal Class Action/Jury Trial Waiver, the entire arbitration agreement shall be unenforceable
    4. No Waiver
      No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term, and Margin’s failure to assert any right or provision under this Agreement shall not constitute a waiver of such right or provision.
    5. California Residents
      The provider of the Services is Margin Labs Inc., 25 Broadway, 9th Floor, New York, NY 10004, telephone (646) 889-1650, email help@margin.co. If you are a California resident, in accordance with Cal. Civ. Code §1789.3, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by contacting them in writing at 1625 North Market Blvd., Suite N 112 Sacramento, CA 95834, or by telephone at (800) 952-5210 or (916) 445-1254.

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