109 Financial Modeling jobs in Charlotte

At U.S.

Why become a Valuation & Modeling Intern at Grant Thornton?
Our clients rely on us to help them answer questions about value - value of their business, value of their assets and value of their financial instruments. By answering these questions for our clients, we enable them to critically evaluate transactions, refine their business models, drive optimal financial performance, and comply with financial and tax reporting requirements.
As a member of our Valuation & Modeling team, you will have an opportunity to work with companies of all sizes, from start-ups to multi-national corporations. Our teams work with both public and private companies in a variety of industries, including, but not limited to, manufacturing, energy, technology, telecommunications, hospitality, consumer products, banking and healthcare. The environment is fast-paced and we place a premium on exposing our professionals to a variety of engagements. You will have the opportunity to develop your critical thinking and finance and accounting skills as well as interact directly with senior financial executives.
Interested candidates should display an affinity for learning and problem-solving skills. Candidates should display an interest in financial concepts and in utilizing models and technology to solve business problems. Individuals should be self-starters and demonstrate the desire to build skills related to Grant Thornton's core values of: Collaboration, Leadership, Excellence, Agility, Respect and Responsibility.
Your day-to-day may include:
Gaining an understanding of client operations, processes, and business objectives.
Learning new skills, technologies, and Grant Thornton methodologies.
Working on a variety of client engagements that vary by size, region, and industry.
Receiving hands on mentoring and career coaching.
Participating in team building and networking events with your peers.
Obtaining professional development, continuing education, and focused training.
Giving back to the community through outreach activities.
Sharpening your leadership skills.
You have the following technical skills or qualifications:
Minimum overall and major GPA of 3.0/4.0 preferred.
Pursuing a Bachelor's degree in Accounting, Finance, Business, , or various combinations of similar studies required.
The willingness and ability to work additional hours, as needed.
Ability to travel to various client sites as needed.
Excellent analytical, communication (written and verbal) and interpersonal skills.
Effective project and time management skills for handling multiple priorities.
Positive mindset for dealing with multiple tasks, deliverables, and learning new concepts.
Ability to work efficiently and effectively in a team environment while maintaining a strong attention to detail.
High aptitude to work with Microsoft Office (Excel, PowerPoint, Word, Outlook).
Embrace different points of view and welcome opposing and conflicting ideas.
Open mindset that is willing to learn new skills.
Uphold the firm's code of ethics and business conduct.
Must be authorized to work in the U.S. without the need for employment-based visa sponsorship now or in the future. No visa sponsorship is available for this position.
About Us
About the Team
The team you're about to join is ready to help you thrive. Here's how:
- Whether it's your work location, weekly schedule, or flex time off, we empower you with the options to work in the way that best serves your clients and your life. Consistent with the firm's hybrid work model, this position will require in-person attendance at least two days per week, either at a GT office or client site.
- Here, you are supported to prioritize your overall well-being through work-life integration options that work best for you and those in your household.
- We understand that your needs, responsibilities and experiences are different - and we think that's a good thing. That's why we support you with personalized and comprehensive benefits that recognize and empower all the identities, roles and aspirations that make you, well, you. See how at When it comes to inclusion, we are committed to doing more than checking boxes. Explore all the ways we're taking action for diversity, equity & inclusion at what you can expect next:
If you apply and are selected to interview, a Grant Thornton team member will reach out to you to schedule a time to connect. We encourage you to also check out other roles that may be a good fit for you or get to know us a little bit better at understand that your needs, responsibilities and experiences are different, and we think that's a good thing. That's why we support you with personalized and comprehensive benefits that recognize and empower all the identities, roles and aspirations that make you, well, you. For an overview of our benefit offerings, please visit: Benefits for internship positions: Grant Thornton interns are eligible to participate in the firm's medical, dental and vision insurance programs and the firm's employee assistance program. Interns also receive a minimum of 72 hours of paid sick leave, and are paid for firm holidays that fall within their internship period.
+ Benefits for seasonal employee positions: Grant Thornton seasonal employees are eligible to participate in the firm's medical, dental and vision insurance programs and the firm's employee assistance program. Seasonal employees may also be eligible to participate in the firm's 401(k) savings plan and employee retirement plan in accordance with applicable plan terms and eligibility requirements. Seasonal employees receive a minimum of 72 hours of paid sick leave.
Grant Thornton employees may be eligible for a discretionary, annual bonus based on individual and firm performance, subject to the terms, conditions and eligibility criteria of the applicable bonus plan or program. Interns and seasonal employees are not eligible for bonus compensation.
Additional Details:
It is the policy of Grant Thornton to promote equal employment opportunities. All personnel decisions (including, but not limited to, recruiting, hiring, training, working conditions, promotion,

At U.S.

Ready to be pushed beyond what you think you're capable of?
At Coinbase, our mission is to increase economic freedom in the world. It's a massive, ambitious opportunity that demands the best of us, every day, as we build the emerging onchain platform - and with it, the future global financial system.
To achieve our mission, we're seeking a very specific candidate. We want someone who is passionate about our mission and who believes in the power of crypto and blockchain technology to update the financial system. We want someone who is eager to leave their mark on the world, who relishes the pressure and privilege of working with high caliber colleagues, and who actively seeks feedback to keep leveling up. We want someone who will run towards, not away from, solving the company's hardest problems.
Our is intense and isn't for everyone. But if you want to build the future alongside others who excel in their disciplines and expect the same from you, there's no better place to be.
While many roles at Coinbase are remote-first, we are not remote-only. In-person participation is required throughout the year. Team and company-wide offsites are held multiple times annually to foster collaboration, connection, and alignment. Attendance is expected and fully supported.
*Team/ Role Paragraph:*
Platform and Core FP&A supports the infrastructure and core teams that power every Coinbase product, including Cloud, Security, and Developer Productivity. Our objective is to provide CFO-level partnership to these mission-critical teams, helping guide decisions on cloud spend, build-versus-buy tradeoffs, and long-range platform investment. From modeling cost dynamics to influencing resourcing strategies, this role sits at the intersection of finance, strategy, and technical execution. It's a uniquely cross-functional seat with exposure to senior leadership and a mandate to help Coinbase scale securely and efficiently.
*What you'll be doing (ie. job duties):***
* Support the development of the annual budget and ongoing forecasting processes, including variance analysis and trend identification.
* Review month-end close activities in collaboration with the Accounting team and be a subject matter expert for the Operations & Technology team.
* Create business review materials and lead presentations with functional leadership.
* Develop tools and resources to drive insights related to budget allocation, attribution analysis and financial reporting which will guide decision making.
* Work cross-functionally with key partners on P&L forecasting, headcount management and ad hoc analysis.
* Develop impactful, compelling presentation materials (decks, notes, write-ups, backup materials, etc.) that effectively communicates financial projections, drivers, business performance, risks and opportunities to leadership.
* Conduct ad-hoc analysis and special projects as requested by senior management.
*What we look for in you (ie. job requirements):***
* University degree in Finance, Accounting, Economics or related subject area.
* Minimum of 7 years experience in an analytical and/or planning role at a public company or consulting, banking, tech etc.
* Experience with financial modeling and analysis.
* Outstanding analytical skill, with a passion for metrics and data; ability to apply in order to influence and drive decision making.
* Self-starter who is intellectually curious and not afraid to seek out projects independently.
* High competence and passion for sophisticated problem solving applying financial modeling and analysis, including advanced dashboards.
* Excellent communication and interpersonal skills with the ability to build relationships with cross-functional teams.
*Nice to haves:*
* Advanced degree in business or finance.
* Experience with visualization tools (Looker, etc.) and financial software (Anaplan, Coupa, NetSuite, etc.) is a plus.
* SQL experience working with large datasets and creating data visualization tools. (Python and SQL skills are a plus.)
* Experience with financial tech, crypto or traditional financial services.
Job #: P65759
*Pay Transparency Notice:* Depending on your work location, the target annual salary for this position can range as detailed below. Full time offers from Coinbase also include target bonus + target equity + benefits (including medical, dental, vision and 401(k)).
Pay Range:
$166,345-$195,700 USD
Please be advised that each candidate may submit a maximum of four applications within any 30-day period. We encourage you to carefully evaluate how your skills and interests align with Coinbase's roles before applying.
Commitment to Equal Opportunity
Coinbase is proud to be an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, creed, gender, national origin, age, disability, veteran status, sex, gender expression or identity, sexual orientation or any other basis protected by applicable law. Coinbase will also consider for employment qualified applicants with criminal histories in a manner consistent with applicable federal, state and local law. For US applicants, you may view the in certain locations, as required by law.
Coinbase is also committed to providing reasonable accommodations to individuals with disabilities. If you need a reasonable accommodation because of a disability for any part of the employment process, please contact us at accommodations Data Privacy Notice for Job Candidates and Applicants
Depending on your location, the General Data Protection Regulation (GDPR) and California Consumer Privacy Act (CCPA) may regulate the way we manage the data of job applicants. Our full notice outlining how data will be processed as part of the application procedure for applicable locations is available Disclosure
For select roles, Coinbase is piloting an AI tool based on machine learning technologies to conduct initial screening interviews to qualified applicants. The tool simulates realistic interview scenarios and engages in dynamic conversation. A human recruiter will review your interview responses, provided in the form of a voice recording and/or transcript, to assess them against the qualifications and characteristics outlined in the job description.
For select roles, Coinbase is also piloting an AI interview intelligence platform to transcribe and summarize interview notes, allowing our interviewers to fully focus on you as the candidate.
*The above pilots are for testing purposes and Coinbase will not use AI to make decisions impacting employment*. To request a reasonable accommodation due to disability, please contact accommodations(at)coinbase.com

At  Trane Technologies TM   and through our businesses including  Trane ®  and  Thermo King ® , we create innovative climate solutions for buildings, homes, and transportation that challenge what's possible for a sustainable world. We're a team that dares to look at the world's challenges and see impactful possibilities. We believe in a better future when we uplift others and enable our people to thrive at work and at home. We boldly go.
**What's in it for you: **  
**Be a part of our mission!**   As a world leader in creating comfortable, sustainable, and efficient environments, it's our responsibility to put the planet first. For us at Trane Technologies, sustainability is not just how we do business-it is our business. Do you dare to look at the world's challenges and see impactful possibilities? Do you want to contribute to making a better future? If the answer is yes, we invite you to consider joining us in boldly challenging what's possible for a sustainable world. 
**Thrive at work and at home: **  
+ **Benefits** kick in on **DAY ONE** for you _and_ your family, including health insurance and holistic wellness programs that include generous incentives - **WE DARE TO CARE** !   
+ **Family building benefits** include fertility coverage and adoption/surrogacy assistance.   
+ **401K** **match** up to 6%, plus an additional 2% core contribution = up to **8%** company contribution.   
+ **Paid time off,** including in support of **volunteer** and **parental leave** needs.   
+ Educational and training opportunities through company programs along with **tuition assistance** and **student debt support** .   
+ Learn more about our benefits here ( !  
**Where is the work:**
  **Hybrid:**
This position will be based in Davidson, North Carolina, at our North American Headquarters. This position has been designated as a Hybrid work schedule with work performed onsite 3 days each week
**Job Summary:**
Trane Technologies is seeking a strategic, innovative and results-oriented Vice President, Financial Planning & Analysis to serve as a key member of the corporate financial leadership team. Reporting to the Chief Financial Officer, the VP, Financial Planning & Analysis is responsible for delivering value-added business analysis as well as defining and reporting meaningful enterprise financial and operational metrics that support insightful, accurate and timely business decision-making. The VP, FP&A is responsible for overseeing the corporate financial planning organization that builds strong relationships with our regional businesses and enterprise functional leaders which results in a comprehensive understanding of key business drivers and financial models that enable the team to deliver value-added analysis across the enterprise.
**What you will do:  **  
· Lead a central team that coordinates financial planning & analysis activities led by the enterprise, including timelines, targets and requirements for annual operating plan, quarterly business reviews and forecasts, analysis of monthly results and enterprise business reviews, long-range plans and operational updates for the board of directors meetings. Manage enterprise process functionality, standardization and changes to improve efficiency and effectiveness of business planning processes and systems
· Serve as an advocate for the business while leading the assessment of enterprise plans and business plan performance, including risks and opportunities, as well as recommending actions to identify value creation opportunities and improve business outcomes
· Partner with the management team at the regional and BU level and corporate, to provide value-added insight into the business
· Prepare a monthly reporting package that includes comprehensive Key Performance Indicator (KPI) reporting, analysis of key business trends, actual versus forecast variances with comprehensive explanations of differences
· Drive an efficient, effective and comprehensive process for developing financial plans and analysis that links to the enterprise strategy and partner with regional leadership teams to ensure execution
· Develop and monitor the company's annual budget and monthly forecasts, which shall include establishing budget tools, setting timelines and acting as project manager for the company, ensuring all budgets are accurate, comprehensive and completed on time
· Prepare and monitor the company's long range strategic planning financial models
· Support quarterly external reporting, including earnings releases, presentations and earnings call support
· Manage the agenda for the enterprise Investment Review Board to evaluate major investment decisions across the enterprise
· Actively own key finance and business processes and applications including OneStream and data and analytics strategy
· Be a partner with our strategy group to develop and enhance competitive intelligence, customer intelligence, geographic economic data and technology trends
· Exhibit flexibility and willingness to take on new responsibilities and assignments as they are identified and to assist with various ad hoc projects as needed
· Maintain relationships with global finance teams to ensure quality deliverables and proper information flow
**Qualifications:**  
· More than 15 years of experience, ideally in a multinational/global business, with several years of experience in finance leadership positions in complex, progressive, global planning and analysis environment along with a strong track record of personal achievement and advancement
· Finance leader role in a large business unit/segment responsible for finance functions and strategic and operational planning and forecasting
· Minimum of 5 years in finance leadership role developing high-performing talent and directing high-performing team(s)
· International experience/exposure
· Experience in an industrial and/or consumer products businesses
· Must possess and demonstrate high degree of financial, analytical and process leadership competence and business acumen
· A Bachelor's degree is required; an MBA or equivalent advanced degree is highly preferred
· Proven track record of teamwork, innovation and results in financial planning & analysis. Ability to interact with and influence people at all levels of an organization
· A track record of progressively responsible assignments in large, multinational companies. Proven success managing large-scale, multi-departmental projects. Effective decision-making with attention to detail. Hands-on as well as strategic approach with the ability to drive change and achieve business results.
  **Equal Employment Opportunity:**    
We offer competitive compensation and comprehensive benefits and programs. We are an equal opportunity employer; all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, pregnancy, age, marital status, disability, status as a protected veteran, or any legally protected status.

The Senior Financial Planning & Analysis Analyst will join a dynamic, Corporate FP&A team that works cross-functionally within the organization to produce analytical deliverables to key stakeholders and executive management. This role reports directly to the Vice President, Corporate FP&A and has primary responsibilities over headquarter functions, consolidations, and analysis over segment financial results. 
**JOB DUTIES:**
+ Participate in active management of headquarter cost centers.
+ Manage the analysis of total company results on a monthly, quarterly, & annual basis.
+ Execute monthly forecast & annual budgeting process and assist in building strategic plans.
+ Participate and co-lead monthly & quarterly presentations for the leadership team & Board of Directors.
+ Provide financial and analytical support for external reporting requirements for the leadership team.
+ Conduct ad-hoc analysis where necessary.
+ Champion continuous improvement initiatives aimed at enhancing data accuracy and the quality of financial analysis.
**YOU MUST HAVE:**
+ 4+ years of financial planning or similar experience.
+ Demonstrated prior experience in developing and producing comprehensive financial modeling.
**WE VALUE:**
+ Proven experience in developing detailed cash flow models to support financial planning.
+ Experience using financial systems and prior reporting experience for a multi-segment business.
+ Experience developing forecasts and operating plans.
+ Exceptional analytical skills (linking results to drivers).
+ Skilled in delivering clear, concise, and effective communication across all organizational levels, including executive leadership, cross-functional teams, and external stakeholders.
+ Self-motivated, results-oriented and assertive individual.
+ Ability to make consistent and timely decisions.
+ Ability to quickly identify subtle patterns among issues.
**WHAT'S IN IT FOR YOU?**
+ Impactful opportunity to join Resideo and be a key contributor providing analytics that support transformative growth.
+ This role will afford you C-level visibility while helping to drive game-changing and intricate corporate initiatives.
+ Be part of a talented team of finance and accounting professionals.
#LI-CF1
#LI-HYBRID
Resideo is a $6.76 billion global manufacturer, developer, and distributor of technology-driven sensing and control solutions that help homeowners and businesses stay connected and in control of their comfort, security, energy use, and smart living. We focus on the professional channel, serving over 100,000 contractors, installers, dealers, and integrators across the HVAC, security, fire, electrical, and home comfort markets. Our products are found in more than 150 million residential and commercial spaces worldwide, with tens of millions of new devices sold annually. Trusted brands like Honeywell Home, First Alert, and Resideo power connected living for over 12.8 million customers through our Products & Solutions segment. Our ADI | Snap One segment spans 200+ stocking locations in 17 countries, offering a catalog of over 500,000 products from more than 1,000 manufacturers. With a global team of more than 14,000 employees, we offer the opportunity to make a real impact in a fast-growing, purpose-driven industry. Learn more at Resideo, we bring together diverse individuals to build the future of homes. Resideo is an equal opportunity employer. Qualified applicants will be considered without regard to age, race, creed, color, national origin, ancestry, marital status, affectional or sexual orientation, gender identity or expression, disability, nationality, sex, religion, or veteran status. For more information on applicable U.S. equal employment regulations, refer to the If you require a reasonable accommodation to apply for a job, please use Contact Us form for assistance.

A prestigious financial institution in Charlotte, North Carolina, US is looking for a seasoned Director of Financial Planning & Analysis (FP&A). This executive role is responsible for leading the FP&A function, providing strategic financial insights, and driving financial performance across the organization. The Director will oversee the budgeting, forecasting, and long-range planning processes, ensuring accuracy and alignment with business objectives. Key duties include developing financial models, analyzing variances, identifying trends and risks, and presenting financial performance reports and recommendations to senior leadership and the Board of Directors. You will also play a key role in strategic decision-making, investment analysis, and performance management initiatives. The ideal candidate will possess a strong understanding of financial markets, corporate finance, and accounting principles. A Master's degree in Finance, Accounting, or a related field, along with a CPA or CFA designation, is highly preferred. A minimum of 10 years of progressive experience in financial analysis and planning, with at least 5 years in a leadership capacity, is required. Exceptional analytical, strategic thinking, and communication skills are essential, as is a proven ability to manage complex financial projects and influence stakeholders at all levels. Experience within the banking or financial services sector is a significant advantage. This is a critical leadership position offering the opportunity to shape the financial future of a respected organization.

Logistics at full potential.

At GXO, we're constantly looking for talented individuals at all levels who can deliver the caliber of service our company requires. You know that a positive work environment creates happy employees, which boosts productivity and dedication. On our team, you'll have the support to excel at work and the resources to build a career you can be proud of.

As the Senior Analyst, Financial Planning and Analysis, you function as a key liaison inside and outside the finance organization and will assist with budgeting, forecasting, and planning for various departments across GXO Americas and Asia Pacific region, with a strong focus on business partnering and creating value for each area served. On our team, you will utilize your skills and experience to drive positive results and build working relationships with GXO leaders, ensuring an exciting future for yourself and GXO.

Pay, benefits and more.

We are eager to attract the best, so we offer competitive compensation and a generous benefits package, including full health insurance (medical, dental and vision), 401(k), life insurance, disability and more.

What you will do on a typical day:

Provides analysis of profitability variances. Analyzes, investigates, and communicates variances and unusual cost items, evaluates their effect on operations, and provides recommendations for corrective actions. Assists with monthly financial cycles and communicates across business functions inside and outside the financial organization.

• Leads the annual budgeting and monthly forecasting processes for the central Operations Excellence & Engineering department of the America's Asia Pacific region, including forecasting of headcount and related costs as well as non-labor costs such as prepaid service agreements
• Forecasts and reports on the accounting treatment of employee labor, such as capitalized labor and customer-funded labor
• Serves as a technical liaison to accounting, Operations Excellence & Engineering leadership, finance management and other staff by providing financial planning experience, financial information and modeling, activity analysis and variance analysis
• Perform analysis of complex data to understand operational trends and the corresponding monetary impact
• Partners with HR business leaders to understand, forecast, and budget headcount and hiring trends
• Professionally reports financial performance and variances, including weekly, monthly, quarterly, and annual operating results
• Focuses on identifying weaknesses in current financial processes and strategizes process improvement efforts with finance team
• Prepare and present ad hoc reporting as required in support of departmental needs

What you need to succeed at GXO:

At a minimum, you will need:

• Bachelor's degree in business, finance, accounting or related field, or equivalent related work or military experience
• 3 years of experience in finance or financial planning and analysis
• Experience with Microsoft Office and creating complex formulas and models in Excel with large amounts of data in various formats
• Financial leadership and professional presentation experience

It would be great if you also have:

• Master's degree (MBA or MS)
• Availability to travel an average of 2-4 times per year
• Experience with Business Intelligence (BI) tools
• Experience in transportation and/or supply chain, and with corporate offices and divisions
• Experience developing insightful, valuable, and actionable analyses with detailed explanations regarding drivers of those results; capability to produce unambiguous, comprehensive, and accurate interpretations
• Consistent interpersonal, leadership and creative skills

GXO is a leading provider of cutting-edge supply chain solutions to the most successful companies in the world. We help our customers manage their goods most efficiently using our technology and services. Our greatest strength is our global team - energetic, innovative people of all experience levels and talents who make GXO a great place to work.

We are proud to be an Equal Opportunity/Affirmative Action employer. Qualified applicants will receive consideration for employment without regard to race, sex, disability, veteran or other protected status.

GXO adheres to CDC, OSHA and state and local requirements regarding COVID safety. All employees and visitors are expected to comply with GXO policies which are in place to safeguard our employees and customers.

All applicants who receive a conditional offer of employment may be required to take and pass a pre-employment drug test.

The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required of personnel so classified. All employees may be required to perform duties outside of their normal responsibilities from time to time, as needed. Review GXO's candidate privacy statement here.

Description We are looking for a detail-oriented Financial Analyst to join our team in Charlotte, North Carolina. This role offers an exciting opportunity to contribute to financial planning, analysis, and reporting while leveraging advanced tools and techniques to drive decision-making. The ideal candidate will have a passion for data-driven insights and a strong ability to communicate findings effectively.
Responsibilities:
- Conduct in-depth financial analysis to support strategic planning and decision-making processes.
- Develop and maintain financial models to forecast performance and assess potential business outcomes.
- Perform variance analysis to identify trends, discrepancies, and areas for improvement.
- Utilize advanced data mining techniques to extract meaningful insights from large datasets.
- Create ad hoc reports and analyses to address specific business needs and challenges.
- Collaborate with cross-functional teams to provide actionable financial insights.
- Apply tools such as Alteryx and Tableau to streamline data analysis and visualization.
- Monitor financial metrics and provide recommendations to enhance operational efficiency.
- Ensure compliance with company policies and relevant regulations in all financial activities.
- Support continuous improvement initiatives within the financial reporting process. Requirements
- Minimum of 1 year of experience in financial and data analysis or a related field.
- Proficiency in financial modeling and data analysis techniques.
- Strong skills in tools such as Alteryx or Python and Power BI or Tableau for data manipulation and visualization.
- Solid understanding of variance analysis and its application in business scenarios.
- Ability to perform ad hoc analyses to address unique business questions.
- Experience with data mining techniques to uncover trends and insights.
- Excellent attention to detail and ability to manage multiple priorities.
- Strong verbal and written communication skills for presenting findings effectively.
Robert Half is the world's first and largest specialized talent solutions firm that connects highly qualified job seekers to opportunities at great companies. We offer contract, temporary and permanent placement solutions for finance and accounting, technology, marketing and creative, legal, and administrative and customer support roles.
Robert Half works to put you in the best position to succeed. We provide access to top jobs, competitive compensation and benefits, and free online training. Stay on top of every opportunity - whenever you choose - even on the go. Download the Robert Half app ( and get 1-tap apply, notifications of AI-matched jobs, and much more.
All applicants applying for U.S. job openings must be legally authorized to work in the United States. Benefits are available to contract/temporary professionals, including medical, vision, dental, and life and disability insurance. Hired contract/temporary professionals are also eligible to enroll in our company 401(k) plan. Visit roberthalf.gobenefits.net for more information.
© 2025 Robert Half. An Equal Opportunity Employer. M/F/Disability/Veterans. By clicking "Apply Now," you're agreeing to Robert Half's Terms of Use ( .