Envestnet / Yodlee® Service Agreement

By filling out an application for ZenDen, LLC’s (“ZenDen”) services (an “Application”) you will be using the financial data services (“Data Aggregation Services”) and account verification services (“Verification Services”) provided by Envestnet | Yodlee® (“Yodlee”, “we”, “us”, or “our”) https://www.yodlee.com/ (collectively, the “Yodlee Services”).

The Yodlee Services

Our Verification Services are designed to verify that you are the owner/account holder of the external financial accounts you listed in your Application. The Data Aggregation Services allow us to connect ZenDen to certain information about you necessary for them to evaluate your Application.

THE YODLEE SERVICES ARE SUBJECT TO ALL THE SAME DISCLAIMERS, LIMITATIONS OF LIABILITY AND INDEMNITIES THAT ARE APPLICABLE TO ZENDEN’S ONLINE AND MOBILE RESOURCES ALL OF WHICH ARE INCORPORATED HEREIN BY THIS REFERENCE THOUGH YOU MUST BRING DIRECTLY AGAINST YODLEE, AND NOT ZENDEN, ANY CLAIMS YOU BELIEVE YOU MAY HAVE REGARDING THE YODLEE SERVICES.

Your Account Information

When you fill out an Application, you voluntarily provide ZenDen and us with information about yourself, including certain personal information. You agree to provide only true, accurate, and current information about yourself and your accounts when filling out the Application (“Account Information”). You must not misrepresent your identity or your Account Information.

Yodlee’s Right to Use Your Account Information

When you provide the Account Information, you will automatically be granting Yodlee a license right to use such Account Information in any reasonable and lawful manner necessary to conduct the Yodlee Services including accessing the third party sites you specify and retrieve the information required for your Application.

YOU ACKNOWLEDGE AND AGREE THAT WHEN YODLEE ACCESSES AND RETRIEVES INFORMATION FROM THE THIRD PARTY SITES YOU DESIGNATE (SUCH AS BANKS), YODLEE IS ACTING AS YOUR AGENT, AND NOT THE AGENT, OR ON BEHALF OF THE BANK OR OTHER THIRD PARTY.

In that connection, you hereby appoint us, and to the extent necessary, ZenDen, as both your limited attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person.

If Yodlee derives aggregated non-personally identifiable results from your Account Information we have the same rights to use that aggregated and non-identifiable information, and also have the right, again because it is aggregated and not personally identifiable, to transfer or sell it to third parties, which is something we do not do with your Account Information.

Confirmation of Your Authority to Grant Us Rights

You represent and warrant that you have the legal right to grant us all the rights and make all the appointments described in the above section and acknowledge that we are relying on that representation. You agree that your banks and the other third party account providers you designate similarly will be entitled to rely on the foregoing appointment of Yodlee as your agent and power of attorney.