Acceptable use
Subject to this TOU, we grant you a limited, non-exclusive, non-transferable, revocable license to access the Website for lawful purposes. To ensure that the Website remains secure, reliable, and beneficial for everyone, you agree to use the Website responsibly and are expressly prohibited from conducting any of the following activities:
- Modifying, reverse engineering, decompiling, disassembling, attempting to gain access to source code, or otherwise preparing derivative works or improvements of the Website.
- Using the Website in any manner or for any purpose that infringes, misappropriates, or otherwise violates any third-party rights (including intellectual property rights), or that violates any applicable law.
- Using the Website for any unlawful, harmful, or fraudulent purpose, including: (i) using the Website to create or distribute malware or other malicious code, or (ii) distributing, bypassing, or breaching any security device or protection used in connection with the Website.
Privacy
Data collection and use is governed by our privacy policies which are incorporated into and is a part of this TOU.
Help and assistance
In addition to our online FAQs, tips, and other resources, the following features are available to support you while using the Website:
Tools, calculators, and personal financial management software
The Website may contain financial tools, calculators, and other features which are provided for educational and informational purposes only. We do not guarantee the accuracy of the tools or information provided. We are not responsible for, and expressly disclaim all liability for, damages of any kind arising out of the use or reliance on the information provided by any of these informational services.
No legal, accounting, or other professional advice
Any information available on, or generated using the Website, is not intended to constitute and should not be considered as legal, accounting, financial, or other advice of any kind. If legal, accounting, financial, or other advice or assistance is needed, you should retain an independent third-party advisor.
General terms
Use of artificial intelligence
The Website may utilize artificial intelligence (“AI”) technology which may include interaction with AI powered chatbots, automated responses, content generation, data analysis, decision making, and other forms of intelligent assistance. AI generated output may not always be perfect or error-free and we do not guarantee that the AI output is accurate or suitable for a particular purpose. We are not responsible for, and expressly disclaims all liability for, damages of any kind arising out of the use or reliance on the information provided by any AI tools that may be available within the Website.
You acknowledge that we may use any data that is input by you to further train or develop AI models or additional AI tools.
Other agreements
This TOU is in addition to other agreements, terms of use, and disclosures that apply to your account(s)/relationship or accessing your accounts online via an authenticated digital platform. If there is a conflict between this TOU and other agreements (or terms of use) that specifically apply to authenticated online platforms, the terms of use of each such authenticated online platform will control in resolving those inconsistencies.
Links to other internet sites and third-party services
The Website may contain links to other websites, merchandise, and services provided, owned or operated by third parties. These links do not imply our endorsement or approval of material on any third-party website. The linked websites are not under our control, and we are not responsible for the availability, content, products, services, advertising, or other materials available on third-party websites. The privacy policies of third-party websites may provide less security than our websites, so we strongly encourage you to read the third party's privacy policy and terms of use before sharing any information with that third party.
All matters concerning third-party websites, merchandise, and services provided or operated by third parties are solely between you and the third party. We make no warranties or representations whatsoever regarding any third-party website, merchandise, or service and we are not responsible or liable to you for any damages, losses, or injuries of any kind arising out of your use of any third-party website.
Intellectual property rights
All content connected with the Website is the exclusive intellectual property of us, our licensors, and/or service providers and it may be protected by copyrights and other intellectual property rights. You are permitted to use the content delivered to you through the Website only for your personal use. You may not copy, reproduce, distribute, or create derivative works from this content.
The trademarks, logos, and service marks displayed in connection with Website are the registered and unregistered trademarks of us, our service providers, or other third parties. Under no circumstances may you use, copy, imitate, alter, modify, or change these trademarks. Nothing contained on, in, or otherwise connected with the Website should be construed as granting (by implication or otherwise) any license or right to use any trademark without the express written permission of us or the third party, which has rights to such trademark.
All messages, suggestions, ideas, notes, concepts, know-how, techniques, data, applications, mail, and other information you may send to us through or regarding the Website shall be considered an uncompensated contribution of intellectual property to us and shall become our exclusive intellectual property. By submitting any of these materials to us, you automatically grant (or warrant that the owner of such materials has expressly granted) to us a perpetual, royalty-free, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, publicly perform and display, create derivative works from and distribute such materials or incorporate such materials into any form, medium, or technology now known or later developed, and you warrant that all so-called “moral rights” in those materials have been waived, and you warrant that you have the right to make these warranties and transfers of rights.
DMCA Notifications
If you, in good faith, believe that material found on the Website infringes your copyright, you may send a Digital Millennium Copyright Act (“DMCA”) notice to us at copyrights@usbank.com requesting that we remove or block access to the material. If you have material hosted on our Website, and someone files a notice against you, you may send us a counter-notice under the DMCA. Please see the U.S. Copyright Office website for more information on DMCA notices and counter-notices.
Intended use
The Website is intended for people that are at least 18 years old or otherwise able to lawfully enter into contracts under applicable law. Nothing on the Website is intended for persons under the age of thirteen.
Suspension or termination of services
We reserve the right to suspend or terminate your access to the Website (in part or in whole) for any reason and at any time with or without prior notice as the law requires. You agree that you will immediately stop using the Website upon our request. Reasons we may suspend or terminate your use of the Website include: violation of this TOU, violation of any applicable laws, and threats to our system, equipment, process, or intellectual property.
Nothing in this TOU is intended to prohibit or otherwise restrict your right to contact regulators, leave feedback, write reviews, or provide commentary on us or the Website.
Disclaimer of Warranties
THE WEBSITE IS PROVIDED “AS IS” WITH ALL FAULTS, DEFECTS, AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, WE ON OUR OWN BEHALF AND ON BEHALF OF OUR AFFILIATES AND SERVICE PROVIDERS, EXPRESSLY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, WITH RESPECT TO THE WEBSITE INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND WARRANTIES THAT MAY ARISE OUT OF COURSE OF DEALING, COURSE OF PERFORMANCE, USAGE, OR TRADE PRACTICE. WITHOUT LIMITATION TO THE FOREGOING, WE PROVIDE NO WARRANTY OR UNDERTAKING, AND MAKE NO REPRESENTATION OF ANY KIND THAT THE WEBSITE WILL MEET YOUR REQUIREMENTS, ACHIEVE ANY INTENDED RESULTS, BE COMPATIBLE OR WORK WITH ANY OTHER SOFTWARE, APPLICATIONS, SYSTEMS, OR SERVICES, OPERATE WITHOUT INTERRUPTION, MEET ANY PERFORMANCE OR RELIABILITY STANDARDS OR BE ERROR FREE OR THAT ANY ERRORS OR DEFECTS CAN OR WILL BE CORRECTED. NO ORAL OR WRITTEN ADVICE OR INFORMATION PROVIDED BY US, OUR AFFILIATES, AGENTS, EMPLOYEES, AND SERVICE PROVIDERS, SHALL CREATE A WARRANTY, AND YOU ARE NOT ENTITLED TO RELY ON ANY SUCH ADVICE OR INFORMATION. THIS DISCLAIMER OF WARRANTIES IS AN ESSENTIAL CONDITION OF THIS TOU.
Limitation of liability: indemnification
IN NO EVENT WILL WE BE LIABLE UNDER ANY CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHER CLAIM FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES TO EQUIPMENT, FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WHETHER CAUSED BY OR RESULTING FROM (1) THE USE OR THE INABILITY TO USE THE WEBSITE; (2) ERRORS, INACCURACIES, OMISSIONS, OR OTHER DEFECTS IN INFORMATION OR CONTENT PROVIDED BY, CONTAINED WITHIN, OR OBTAINED THROUGH THE WEBSITE; (3) ANY OTHER FAILURE, ACTION, OR OMISSION.
YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD US HARMLESS FROM ANY AND ALL THIRD-PARTY CLAIMS, ACTIONS, LIABILITY, DAMAGES AND/OR COSTS (INCLUDING BUT NOT LIMITED TO REASONABLE ATTORNEY’S FEES) ARISING FROM (1) A THIRD-PARTY CLAIM, ACTION OR ALLEGATION OF INFRINGEMENT, MISUSE OR MISAPPROPRIATION RELATED TO YOUR USE OF THE WEBSITE; (2) YOUR VIOLATION OF ANY LAW OR RIGHTS OF A THIRD PARTY; OR (3) USE OF THE WEBSITE BY ANY THIRD PARTY ON YOUR BEHALF. WE RESERVE THE RIGHT, AT OUR OWN EXPENSE, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER OTHERWISE SUBJECT TO INDEMNIFICATION BY YOU, IN WHICH EVENT YOU WILL COOPERATE WITH US IN ASSERTING ANY AVAILABLE DEFENSES. YOU WILL NOT SETTLE ANY ACTION OR CLAIMS ON BEHALF OF US WITHOUT OUR PRIOR WRITTEN CONSENT.
Governing law
This TOU is governed by and will be construed in accordance with the laws of Ireland; and in the event of a dispute arising under or relating to this TOU, you consent to the exclusive jurisdiction of the courts of Ireland and you waive any objection to venue with respect to the actions brought in those courts.
Nothing in this section shall limit our right to bring proceedings in any other court of competent jurisdiction, nor shall the taking of proceedings in any one or more jurisdictions preclude the taking of proceedings in any other jurisdictions, whether concurrently or not, to the extent permitted by the law of such other jurisdiction.
A printed version of this TOU will be admissible in judicial and administrative proceedings to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
Severability and headings
If any provision of this TOU is held to be void or unenforceable in any jurisdiction, such ineffectiveness or unenforceability shall not affect the validity or enforceability of such provision in any other jurisdiction or the validity or enforceability of any other provision in that or any other jurisdiction.
The headings in this TOU are for convenience or reference only and do not govern the interpretation of provisions of the TOU.
Waiver
We will not be deemed to have waived any of our rights or remedies under this TOU unless our waiver is in writing and signed by our authorized officer. No delay or omission on our part in exercising any rights or remedies will operate as a waiver. A waiver on one occasion will not be construed as a bar or waiver of any rights or remedies on future occasions.
Assignment
You may not assign your obligations under this TOU to any other party and we will not honor any such assignment. We may assign this TOU and you agree that we have the right to delegate to service providers all the rights and performance obligations that we have under this TOU, and that the service providers will be third-party beneficiaries of this TOU and will be entitled to all the rights and protections that this TOU provides us.