1. AGREEMENT TO THE TERMS
These Terms of Use constitute a legally binding agreement between you, whether personally or on behalf of an entity ("you") and Banredi, Inc., and any of its subsidiaries or affiliates (collectively, "Banredi," "we," "us," or "our"), regarding your access to and use of the website [insert website address] as well as any other form of media, media channel, mobile website, or mobile application related, linked, or otherwise connected thereto (collectively, the "Site"). We are a Delaware corporation and have our principal place of business at [insert address]. You agree that by accessing the Site, you have read, understood, and agreed to be bound by all of these Terms of Use.
2. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS OF USE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND MUST DISCONTINUE USE IMMEDIATELY.
Supplemental terms and conditions or documents that may be posted on the Site from time to time are expressly incorporated herein by reference. We reserve the right, at our sole discretion, to make changes or modifications to these Terms of Use from time to time. We will alert you about any changes by updating the "Last Updated" date of these Terms of Use, and you waive any right to receive specific notice of each such change. Please ensure that you review the applicable Terms each time you use our Site to understand which Terms apply. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms of Use by your continued use of the Site after the date such revised Terms of Use are posted.The information provided on the Site is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Site from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.The Site is not designed to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subject to such laws, you may not use this Site. You may not use the Site in a way that would violate the Gramm-Leach-Bliley Act (GLBA).The Site is intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Site.
3. INTELLECTUAL PROPERTY RIGHTS
Unless otherwise indicated, the Site is our proprietary property, and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the "Content") and the trademarks, service marks, and logos contained therein (the "Marks") are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property laws and unfair competition laws of the United States, international copyright laws, and international conventions. You may not use any of our Marks without our prior written permission. The Content and the Marks are provided on the Site "AS IS" for your information and personal use only. Except as expressly provided in these Terms of Use, no part of the Site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.Provided that you are eligible to use the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Site, the Content, and the Marks.
4. USER REPRESENTATIONS
By using the Site, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information as necessary; (3) you have the legal capacity and you agree to comply with these Terms of Use; (4) you are not a minor in the jurisdiction in which you reside; (5) you will not access the Site through automated or non-human means, whether through a bot, script, or otherwise; (6) you will not use the Site to engage in any activity that may harm us or any third party; (7) you will not use the Site for any illegal or unauthorized purpose; and (8) your use of the Site will not violate any applicable law or regulation.If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof).
5. USER REGISTRATION
You may be required to register with the Site. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.
6. PROHIBITED ACTIVITIES
You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.As a user of the Site, you agree not to:Systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.Circumvent, disable, or otherwise interfere with security-related features of the Site, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Site and/or the Content contained therein.Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site.Use any information obtained from the Site to harass, abuse, or harm another person.Make improper use of our support services or submit false reports of abuse or misconduct.Use the Site in a manner inconsistent with any applicable laws or regulations.Engage in unauthorized framing of or linking to the Site.Upload or transmit (or attempt to upload or transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Site or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Site.Use the Site to distribute malware or engage in phishing activities.Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.Delete the copyright or other proprietary rights notice from any Content.Attempt to impersonate another user or person or use the username of another user.Upload or transmit (or attempt to upload or transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (“gifs”), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as “spyware” or “passive collection mechanisms” or “pcms”).Interfere with, disrupt, or create an undue burden on the Site or the networks or services connected to the Site.Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Site to you.Attempt to bypass any measures of the Site designed to prevent or restrict access to the Site, or any portion of the Site.Copy or adapt the Site’s software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Site.Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Site, or using or launching any unauthorized script or other software.Use a buying agent or purchasing agent to make purchases on the Site.Make any unauthorized use of the Site, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.Use the Site as part of any effort to compete with us or otherwise use the Site and/or the Content for any revenue-generating endeavor or commercial enterprise.Use the Site to advertise or offer to sell goods and services.Sell or otherwise transfer your profile.
7. USER-GENERATED CONTRIBUTIONS
The Site may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality, and may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Site, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, "Contributions"). Contributions may be viewable by other users of the Site and through third-party websites. As such, any Contributions you transmit may be treated as non-confidential and non-proprietary. You retain ownership of your Contributions, but you grant us a license to use them. When you create or make available any Contributions, you represent and warrant that:The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party.You are the creator and owner of or have the necessary licenses, rights, consents, releases, and permissions to use and to authorize us, the Site, and other users of the Site to use your Contributions in any manner contemplated by the Site and these Terms of Use.You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Site and these Terms of Use.Your Contributions are not false, inaccurate, or misleading.Your Contributions are not unsolicited or unauthorized advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation.Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libelous, slanderous, or otherwise objectionable (as determined by us).Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone.Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people.Your Contributions do not violate any applicable law, regulation, or rule.Your Contributions do not violate the privacy or publicity rights of any third party.Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors.Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap.Your Contributions do not otherwise violate, or link to material that violates, any provision of these Terms of Use, or any applicable law or regulation.Any use of the Site in violation of the foregoing violates these Terms of Use and may result in, among other things, termination or suspension of your rights to use the Site.
8. CONTRIBUTION LICENSE
By posting your Contributions to any part of the Site, you automatically grant, and you represent and warrant that you have the right to grant, to us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and license to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle, archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt (in whole or in part), and distribute such Contributions (including, without limitation, your image and voice) for any purpose, commercial, advertising, or otherwise, and to prepare derivative works of, or incorporate into other works, such Contributions, and grant and authorize sublicenses of the foregoing. The use and distribution may occur in any media formats and through any media channels.This license will apply to any form, media, or technology now known or hereafter developed, and includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide. You waive all moral rights in your Contributions, and you warrant that moral rights have not otherwise been asserted in your Contributions.We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Site. You are solely responsible for your Contributions to the Site and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.We have the right, in our sole and absolute discretion, (1) to edit, redact, or otherwise change any Contributions; (2) to re-categorize any Contributions to place them in more appropriate locations on the Site; and (3) to pre-screen or delete any Contributions at any time and for any reason, without notice. We have no obligation to monitor your Contributions.
9. MOBILE APPLICATION LICENSE
If you access the Site via a mobile application, then we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the mobile application on wireless electronic devices owned or controlled by you, and to access and use the mobile application on such devices strictly in accordance with the terms and conditions of this mobile application license contained in these Terms of Use. You shall not: (1) except as permitted by applicable law, decompile, reverse engineer, disassemble, attempt to derive the source code of, or decrypt the application; (2) make any modification, adaptation, improvement, enhancement, translation, or derivative work from the application; (3) violate any applicable laws, rules, or regulations in connection with your access or use of the application; (4) remove, alter, or obscure any proprietary notice (including any notice of copyright or trademark) posted by us or the licensors of the application; (5) use the application for any revenue-generating endeavor, commercial enterprise, or other purpose for which it is not designed or intended; (6) make the application available over a network or other environment permitting access or use by multiple devices or users at the same time; (7) use the application for creating a product, service, or software that is, directly or indirectly, competitive with or in any way a substitute for the application; (8) use the application to send automated queries to any website or to send any unsolicited commercial email; or (9) use any proprietary information or any of our interfaces or our other intellectual property in the design, development, manufacture, licensing, or distribution of any applications, accessories, or devices for use with the application.
10. APPLE AND ANDROID DEVICES
The following terms apply when you use a mobile application obtained from either the Apple Store or Google Play (each an “App Distributor”) to access the Site: (1) the license granted to you for our mobile application is limited to a non-transferable license to use the application on a device that utilizes the Apple iOS or Android operating systems, as applicable, and in accordance with the usage rules set forth in the applicable App Distributor’s terms of service; (2) we are responsible for providing any maintenance and support services with respect to the mobile application as specified in the terms and conditions of this mobile application license contained in these Terms of Use or as otherwise required under applicable law, and you acknowledge that each App Distributor has no obligation whatsoever to furnish any maintenance and support services with respect to the mobile application; (3) in the event of any failure of the mobile application to conform to any applicable warranty, you may notify the applicable App Distributor, and the App Distributor, in accordance with its terms and policies, may refund the purchase price, if any, paid for the mobile application, and to the maximum extent permitted by applicable law, the App Distributor will have no other warranty obligation whatsoever with respect to the mobile application; (4) you represent and warrant that (i) you are not located in a country that is subject to a U.S. government embargo, or that has been designated by the U.S. government as a “terrorist supporting” country and (ii) you are not listed on any U.S. government list of prohibited or restricted parties; (5) you must comply with applicable third-party terms of agreement when using the mobile application, e.g., if you have a VoIP application, then you must not be in violation of their wireless data service agreement when using the mobile application; and (6) you acknowledge and agree that the App Distributors are third-party beneficiaries of the terms and conditions in this mobile application license contained in these Terms of Use, and that each App Distributor will have the right (and will be deemed to have accepted the right) to enforce the terms and conditions in this mobile application license contained in these Terms of Use against you as a third-party beneficiary thereof.
11. AUTHORIZATION HOLDS
By using our website and providing your credit card information for payment, you acknowledge and agree that we may place an authorization hold on your credit card to verify its validity and ensure sufficient funds for the payment. The amount of the authorization hold may be for the anticipated transaction amount or a nominal amount as determined by us.
Duration of Authorization Holds: Authorization holds typically remain on your credit card account for a limited period, which may vary depending on the policies of our merchant bank and the card issuer. Once the hold expires, the funds will be released back to your available credit limit. Please note that the duration of authorization holds may vary depending on factors such as the type of transaction and the card network policies.
Disclosure of Authorization Holds: We will make reasonable efforts to disclose the use of authorization holds at the time of purchase or during the checkout process. However, please note that authorization holds may not be immediately visible on your credit card statement.
Disputes and Inquiries: If you have any questions or concerns about authorization holds placed on your credit card, please contact our customer service team for assistance. We are committed to addressing any issues promptly and providing you with the necessary information and support.By continuing to use our website and providing your credit card information for payment, you consent to the use of authorization holds as described in these terms and conditions. These terms and conditions are subject to change without prior notice, and your continued use of our website constitutes acceptance of any updates or revisions to these terms.
12. PARTNER ACCESS
You may grant access to designated partners or collaborators (collectively, "Partners") through our Partner Access feature. Partners are required to use unique login credentials and are responsible for maintaining the confidentiality of their login credentials. Partners must accept these Terms of Use to accept a Partner Access invitation and access the Services. You understand and acknowledge that Partners have full impersonation capabilities, which may include (but are not limited to) a Partner modifying your account or performing transactions on your behalf. Any action taken by a Partner through Partner Access on your account is authorized and binding and is deemed as if performed by you. You are responsible for any consequences resulting from transactions initiated by the Partner. Banredi is not liable for errors or discrepancies arising from transactions initiated by Partners. You may remove a Partner from accessing the Partner Access feature at any time and for any reason. We reserve the right to terminate or restrict a Partner from accessing the Partner Access feature in the event of a violation of our Terms of Use or any applicable law, rule, or regulation.
13. FINANCIAL DATA INTEGRATION AND ANALYSIS
By using the Site, you authorize Banredi to securely connect to your financial accounts, including bank accounts, credit cards, and other financial institutions, to collect and analyze your financial data. This data may include, but is not limited to, transaction history, account balances, and other related financial information. You understand that this data is used to provide you with financial insights, real-time query responses, and other functionalities offered by the platform. Banredi uses artificial intelligence (AI), including large language models, to process this data. While we strive for accuracy, we cannot guarantee the accuracy or completeness of AI-generated analyses or recommendations. You acknowledge that any decisions you make based on this data or AI-generated outputs are at your sole responsibility, and Banredi is not liable for any financial or other outcomes resulting from the use of this service. The Site is not designed to comply with industry-specific regulations such as HIPAA and FISMA. Therefore, you must not use this service for financial data or interactions subject to those laws.
14. ESTATE PLANNING
BANREDI IS NOT A LAW FIRM AND DOES NOT PROVIDE LEGAL ADVICE. WHILE BANREDI STRIVES TO ENSURE THAT ITS AUTOMATED SERVICES ARE COMPREHENSIVE, THEY ARE INTENDED FOR USE AS SELF-HELP FORMS. THE MATERIALS AND SERVICES ARE NOT SUBSTITUTES FOR THE ADVICE OF AN ATTORNEY. NO ATTORNEY-CLIENT RELATIONSHIP IS CREATED THROUGH THE USE OF BANREDI. ANY AND ALL COMMUNICATION BETWEEN YOU AND BANREDI IS PROTECTED BY OUR PRIVACY POLICY BUT NOT BY ATTORNEY-CLIENT PRIVILEGE.Banredi is not a law firm and does not provide any legal advice. As part of our Services, we offer “fill-in-the-blank” self-help forms. If you purchase or download a form on the Site, the Terms of Use control. You understand that your purchase, download, and/or use of a form document is neither legal advice nor the practice of law. Our Services are not substitutes for the advice of an attorney, and if you need legal advice for your specific matter, or if your matter is too complex to be addressed by our tools, you should consult a licensed attorney in your area.At no time is an attorney-client relationship or any other special relationship created between you and Banredi or any employee or other person associated with Banredi, and any information you provide us is not protected by attorney-client privilege or as attorney work product. You are and will be representing yourself in any matter you undertake using the Services.We provide online tools and materials to assist you with the preparation, execution, and storage of your own legal documents and related information. We strive to keep the documents and other materials available through the Services, including any description, information, and other self-help resources (collectively, the “Document Materials”), current and up-to-date; however, they are not legal advice and are not guaranteed to be correct, complete, or up-to-date. The law changes rapidly and differs from jurisdiction to jurisdiction and may be subject to interpretation by different courts. The law is a personal matter, and no general information or legal tool like the ones we provide can fit every circumstance.We do not review the Document Materials or any information you input for accuracy or legal sufficiency, draw legal conclusions, provide legal advice, or apply the law to the facts of your particular situation. You understand that our provision of the Services to you is neither legal advice nor the practice of law, and that the Document Materials are not customized to your particular needs.If you need legal advice for your specific problem, or if your specific problem is too complex to be addressed by our tools, you should consult a licensed attorney in your area. If, prior to your use of any legal document, you believe that Banredi gave you any advice, opinion, or recommendation about your legal rights, remedies, defenses, options, selection of forms, or strategies, you should not use these documents, and any use of these documents is at your own risk.YOU UNDERSTAND THAT ANY ERROR CHECKING BY BANREDI IS AN AUTOMATED PROCESS LIMITED TO COMPLETENESS, SPELLING, AND FOCUSED SOLELY ON INTERNAL CONSISTENCY OF NAMES, ADDRESSES, AND THE LIKE. SUCH ERROR CHECKING IS NOT COMPREHENSIVE NOR GUARANTEED TO BE ACCURATE. YOU AGREE TO READ AND REVIEW THE FINAL DOCUMENT(S) BEFORE SIGNING THEM AND AGREE TO BE SOLELY RESPONSIBLE FOR THE FINAL DOCUMENT(S).
15. THIRD-PARTY WEBSITES AND CONTENT
The Site may contain (or you may be sent via the Site) links to other websites ("Third-Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Site or any Third-Party Content posted on, available through, or installed from the Site, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Site and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Terms of Use no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Site or relating to any applications you use or install from the Site. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us harmless from any harm caused by your purchase of such products or services. Additionally, you shall hold us harmless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.
16. PRIVACY POLICY
We care about data privacy and security. Please review our Privacy Policy. By using the Site, you agree to be bound by our Privacy Policy, which is incorporated into these Terms of Use. Please be advised the Site is hosted in the United States. If you access the Site from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Site, you are transferring your data to the United States, and you agree to have your data transferred to and processed in the United States.
17. COPYRIGHT INFRINGEMENTS
We respect the intellectual property rights of others. If you believe that any material available on or through the Site infringes upon any copyright you own or control, please immediately notify us using the contact information provided below (a “Notification”). A copy of your Notification will be sent to the person who posted or stored the material addressed in the Notification. Please be advised that pursuant to applicable law you may be held liable for damages if you make material misrepresentations in a Notification. Thus, if you are not sure that material located on or linked to by the Site infringes your copyright, you should consider first contacting an attorney.
18. FINANCIAL ADVICE AND RECOMMENDATIONS
Users of our platform may receive financial advice and recommendations as part of our Services. This advice will be delivered as part of an engagement with a financial planner and will be based on your financial situation. You agree to hold your employer harmless with respect to any financial advice and recommendations you may receive through the platform.
19. USE OF ARTIFICIAL INTELLIGENCE
Use of Artificial Intelligence: Our Services may incorporate artificial intelligence (AI) technologies to enhance functionality and user experience. By using our Services, you acknowledge and agree that AI may be used to process data, provide recommendations, and improve service performance. You also understand that AI results are based on algorithms and data inputs, which may not always be accurate or error-free. We disclaim any liability for decisions made based on AI-generated outputs.
20. TERM AND TERMINATION
These Terms of Use shall remain in full force and effect while you use the Site. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS OF USE, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SITE (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TERMS OF USE OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SITE OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name.
21. MODIFICATIONS AND INTERRUPTIONS
We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Site. We also reserve the right to modify or discontinue all or part of the Site without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site.We cannot guarantee the Site will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Site at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site during any downtime or discontinuance of the Site. Nothing in these Terms of Use will be construed to obligate us to maintain and support the Site or to supply any corrections, updates, or releases in connection therewith.
22. GOVERNING LAW
These Terms of Use and your use of the Site are governed by and construed in accordance with the laws of the State of Delaware applicable to agreements made and to be entirely performed within the State of Delaware, without regard to its conflict of law principles.
23. DISPUTE RESOLUTION
If the Parties are unable to resolve a Dispute through informal negotiations, the Dispute (except those Disputes expressly excluded below) will be finally and exclusively resolved by binding arbitration. YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association ("AAA") and, where appropriate, the AAA’s Supplementary Procedures for Consumer-Related Disputes ("AAA Consumer Rules"), both available at the AAA website:
www.adr.org. Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA Consumer Rules and, where appropriate, limited by the AAA Consumer Rules. If such costs are determined by the arbitrator to be excessive, we will pay all arbitration fees and expenses. The arbitration may be conducted in person, through the submission of documents, by phone, or online. The arbitrator will make a decision in writing but need not provide a statement of reasons unless requested by either Party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so. Except where otherwise required by the applicable AAA rules or applicable law, the arbitration will take place in Wilmington, Delaware, unless the Parties agree otherwise. Except as otherwise provided herein, the Parties may litigate in court to compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.If for any reason, a Dispute proceeds in court rather than arbitration, the Dispute shall be commenced or prosecuted in the state and federal courts located in Wilmington, Delaware, and the Parties hereby consent to, and waive all defenses of lack of personal jurisdiction and forum non conveniens with respect to venue and jurisdiction in such state and federal courts. Application of the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transaction Act (UCITA) are excluded from these Terms of Use.In no event shall any Dispute brought by either Party related in any way to the Site be commenced more than one (1) year after the cause of action arose. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable, and such Dispute shall be decided by a court of competent jurisdiction.
LANGUAGE AND ACCESSIBILITY
1. Language Availability
These Terms of Use are available in both English and Spanish.In the event of any discrepancy between the English and Spanish versions, the English version shall prevail.You may select your preferred language to use the Services, but certain communications, legal notices, and support documentation may be available only in English.
EXPENSE MANAGEMENT SERVICES
1. Expense Tracking and Approval
The Service provides expense tracking, approval workflows, and reporting capabilities.You are responsible for:Setting up and maintaining approval workflowsEnsuring appropriate internal controlsReviewing and approving expenses in a timely mannerMaintaining accurate documentation for expenses
2. Corporate Card Usage
Corporate cards issued through the Service are subject to:Your approved credit applicationSpecified credit limitsYour internal usage policiesApplicable card network rulesYou are responsible for:All charges made by authorized usersPromptly reporting unauthorized chargesEnsuring cards are used only for business purposesManaging user access and permissions
3. Transaction Disputes
You must report disputed transactions within 60 daysSupporting documentation must be provided for all disputesResolution timelines depend on the dispute type and card network rulesWe reserve the right to temporarily restrict card usage during dispute investigations
BUSINESS ACCOUNT REQUIREMENTS
1. Eligibility
The business must be legally registered in the United StatesThe business must provide a valid Tax ID/EINThe business must maintain active status with state authoritiesBusiness owners/officers must pass identity verification
2. Account Access and Controls
The primary account administrator must be authorized to act on behalf of the businessMultiple user access levels are available:Administrator: Full access and controlManager: Approval and reporting capabilitiesEmployee: Transaction and submission capabilitiesAccount administrators are responsible for:Managing user accessSetting spending limitsMaintaining security controlsUpdating business information
3. Business Verification
Initial verification requires:Business formation documentsOwner identificationProof of addressBank account informationOngoing verification may require:Annual business reviewsUpdated financial informationCompliance certifications
INTEGRATION SERVICES
1. Third-Party Integrations
The Service supports integration with:Accounting softwareBanking systemsPayment processorsEnterprise Resource Planning (ERP) systemsYou are responsible for:Maintaining necessary third-party accountsProviding accurate credentialsEnsuring proper setupMonitoring integration status
2. Data Synchronization
Synchronization frequency varies by integrationHistorical data availability depends on third-party systemsYou must promptly address synchronization errorsWe are not responsible for third-party system downtime
SERVICE LEVEL AGREEMENT
1. Platform Availability
Target uptime: 99.9% measured monthlyScheduled maintenance windows: Regular: Sundays from 2:00 AM to 6:00 AM EST Emergency: As needed with notice when possibleStatus updates provided at status.banredi.com
2. Support Availability
Business hours support: Monday to Friday, 9:00 AM to 8:00 PM ESTEmergency support: 24/7 for critical issuesSupport provided in English and SpanishResponse time targets:Critical issues: 1 hourHigh priority: 4 hoursStandard issues: 24 hours
DATA MANAGEMENT
1. Data Portability
You may export your data at any time in standard formats:Transaction data: CSV, QBOReports: PDF, ExcelUser data: CSVExports include all available historical dataCertain data may be unavailable after account closure
2. Data Retention
Active account data: Retained indefinitely while the account is activeClosed account data: Retained for 7 yearsTransaction data: Retained per regulatory requirementsSystem logs: Retained for 2 years
3. Disaster Recovery
Daily backups maintained in multiple geographic locations Recovery Point Objective (RPO): 24 hoursRecovery Time Objective (RTO): 4 hours Annual disaster recovery testing Incident communication via status page and email
SERVICE MODIFICATIONS
1. Feature UpdatesNew features added regularly with notificationBeta features are clearly labeledOptional features require opt-in Discontinued features announced with 90 days’ notice
2. API Changes
API versioning follows semantic versioning Backward compatibility maintained for 12 months Breaking changes announced with 90 days’ notice Development environment available for testing