The following terms and conditions of use (the “Terms and Conditions of Use”) apply to this website and all of the applications that you are permitted to access via this website.
PLEASE READ THESE
TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS WEBSITE, INCLUDING THE
APPLICATIONS WHICH YOU CAN ACCESS VIA THIS WEBSITE (collectively this website
and the underlying applications, which you can access via this website, shall
be referred to as “Website”). The terms “we” or “us” or “our”, when used in
these Terms and Conditions of Use shall mean service provider. These Terms and
Conditions of Use govern your use of the Website. By using this Website, you
signify your assent to these Terms and Conditions of Use. If you do not agree
to these Terms and Conditions of Use, you are not authorized to use the
Website. We reserve the right, at our discretion, to change, modify, add or
remove portions of these terms at any time. Please check these terms
periodically for changes.
Usage
We hereby grant you
a limited right to use the Website solely for your personal use in connection
with your account(s) that you maintain with us. We may revoke this right at any
time in our sole discretion.
No Warranty
We and our third
party providers created this Website for the convenience of our Internet
visitors. The information (including text, graphics, and functionality) is
presented 'As Is' and 'As Available' without express or implied warranties
including, but not limited to, implied warranties of non-infringement, title,
merchantability, and/or fitness for a particular purpose. We and our third
party providers expressly disclaim any liability for errors and omissions
regarding the information and materials contained in the Website. Due to the
nature of the Internet, we and our third party providers cannot guarantee the
confidentiality, accuracy or completeness of the information contained in this
Website, information provided via this Website or its suitability for any
purpose. Further, although we and our third party providers make reasonable
efforts to avoid technological problems, we and our third party providers are
not responsible for any technological problem with the Website or with anyone’s
use of the Website, and will not be liable for any impact these problems may
have on users.
Copyright
The entire content
(including text and 'look and feel' attributes) of this Website is copyrighted
by our third party providers or otherwise constitutes the exclusive
confidential and proprietary intellectual property of such third party
providers. All rights reserved.
Viruses
Because of the
marked increase in the fabrication and proliferation of computer viruses
affecting the Internet, we want to warn you about infections or viral
contamination on your system. It is your responsibility to scan any and all
downloaded materials received from the Internet. You agree that neither we nor
our third party providers are responsible or liable for any damage or loss
caused by such hazards.
Linked Websites /
Frames / Use
This Website may
provide links to other websites for your convenience in locating related
information and services. Neither we nor our third party providers maintain any
of these other websites and have no control over the organizations that
maintain these websites or the information, products, or services these
organizations provide. Although we believe that the information from these
organizations is reliable, neither we nor our third party providers can
guarantee their accuracy, completeness or suitability for any purpose.
Accordingly, we and our third party providers expressly disclaim any
responsibility for the content of these other websites, the accuracy of the
information on these websites and/or the quality of products or services
provided by the organizations that maintain them. Neither we nor our third
party providers recommend or endorse these organizations or their products or
services in any way and access to them is at the user’s own risk. You are
prohibited from framing any of the materials on this Website, and/or from
suggesting any affiliation or endorsement between us or our third party
providers, without our prior written authorization. You may print copies of the
material contained in this Website solely for your internal use in connection
with the services provided to you and solely in accordance with these terms and
conditions. You are expressly prohibited from selling; distributing; copying,
amending; modifying; or similar action regarding the material in this Website
including graphics; text; content; logos or the like. Further, you are
prohibited and will be responsible for any and all of your unlawful use of this
Website.
Illegal and/or
unauthorized uses of the Application include, but are not limited to:
·
using
the Application for any purpose, at any location or in any manner not
specifically authorized by these Terms of Use;
·
browsing
or downloading illegal content, collecting usernames and/or email addresses of
users by electronic or other means for the purpose of sending unsolicited email
·
creating
or recreating the source code for the Application, or re-engineering, reverse
engineering, modifying, updating, transferring to a third party, or otherwise
exploiting any reports, data, content or other information appearing on the
Application decompile or disassemble the Application;
·
impersonating
or misrepresenting your affiliation with any person or entity;
·
modifying,
adapting, translating or creating derivative works based upon the Application,
or combining or merging any part of the Application with or into any software
or other website;
·
removing,
erasing or tampering with any copyright or other proprietary notice printed or
stamped on, affixed to, or encoded or recorded in the Application, or failing
to preserve all copyright and other proprietary notices in any copy of the
Application made by you;
·
selling,
marketing, licensing, sublicensing, distributing or otherwise granting, any
right to use the Application;
·
using
the Application to conduct any type of application services, service bureau or
time-sharing operation or to provide remote processing, network processing,
network telecommunications or similar services, whether on a fee basis or
otherwise;
·
breaching,
avoiding, bypassing, removing, deactivating or otherwise circumventing any
software or website protection mechanisms in the Application, including any
mechanism used to restrict or control the functionality of the Application, or
enable features or functionalities that are otherwise disabled or you are not permitted to access;
·
performing
or attempting to perform any actions that would interfere with the proper
working of the Application;
·
using
the Application in or for any manner or purpose that infringes,
misappropriates, or otherwise violates any right of any third party or that
violates any applicable law;
·
renting,
disclosing, publishing, selling, leasing, assigning, sublicensing or otherwise
transferring to any third party any of the Application or your license rights
relating to the Application;
·
using
the Application in any manner which might damage, disable, or overburden the
Application, any server or any network connected to the Application; or
·
Hosting
or transmitting unlawful, obscene, offensive or fraudulent content or activity,
such as advocating or causing harm, interfering with or violating the integrity
or security of a network or system, evading filters, sending unsolicited,
abusive, deceptive, harassing, tortious, defamatory, vulgar, pornographic,
obscene, libelous, invasive of another's privacy, hateful, or racially,
ethnically, or otherwise objectionable messages or material, viruses or harmful
code, or violating third party rights.
Illegal and/or
unauthorized use of the Application may be investigated, and appropriate legal
action may be taken, including, without limitation, civil, criminal, and
injunctive redress.
Responsibility for
Use and Control of Passwords and Information f applicable, by requesting and
establishing a personalized password, you will have access to the Website and the
tools and information available through this Website, and we hereby grant you a
limited right to use the Website and such tools and information, which right we
may revoke at any time. You acknowledge that in order to use this Website, you
may provide us and our third party providers with non-public personal
information and other financial. In such event, this information will be stored
by us and/or our third party providers and available to you through the
Website. You hereby represent that you have all required permission to provide
us and our third party providers this information and will be solely liable and
shall indemnify us and our third party providers for any claims that you did
not have such authority. You further acknowledge that you are fully responsible
for the use of your password, whether authorized by or known by you or not, and
the protection of your password, and you shall indemnify us and our third party
providers and hold us and our third party providers harmless for any claims related
to any unauthorized access or use of the Website or other systems, including,
without limitation, any claim related to the unauthorized access, use or theft
of your information through the use of your password.
You agree to immediately notify us if you become aware of any of the following:
(a) loss or theft of your password; (b) unauthorized use of your password or
any unauthorized use of this Website; and (c) any other information that you
believe compromises the security of your information available through this
Website.
Online Fraud
Advisory
We will never send
emails that require customers to send personal information to us via email,
website link or pop-up windows. Any unsolicited request for your account
information you receive through emails, websites, or pop-up windows should be
considered fraudulent.
Online fraud occurs when someone poses as a legitimate company to obtain
sensitive personal data and then illegally conducts transactions on your
existing accounts. Often called "phishing" or "spoofing,"
the most pervasive methods of online fraud are emails, counterfeit websites and
pop-up windows, or any combination of these.
Fraudulent emails
often:
·
Appear
to be from a legitimate, trusted source. You should not rely on the name or
address in the "From" field, as this can be easily altered.
·
Ask
you for personal information. These emails often claim that your information
has been compromised or frozen, or ask you to confirm your identity.
·
Link
to counterfeit websites. These websites may appear legitimate, but actually
collect personal information for illegal use. They may also include a link to
the real website in an attempt to make the link seem legitimate.
·
Contain
fraudulent phone numbers. These telephone numbers are usually tied directly to
the fraud perpetrators. Never call a number featured on an email you suspect is
fraudulent, and be sure to double-check any numbers you do call. In addition, a
legitimate number may be included in an attempt to authenticate the email.
·
To
help protect yourself from these fraudulent emails and websites:
·
Never
provide sensitive account or personal information in response to an email.
·
Delete
suspicious emails without opening them. If you do open a suspicious email, do
not open any attachments or click on any links it may contain.
·
Bookmark
any websites that house personal account information and use those bookmarks to
navigate directly to those websites.
·
Install
and regularly update virus protection software.
·
Keep
your computer operating system and web browser current.
Changes to Website
We and our third
party providers may change the Website or update material without notice. While
we and our third party providers may make reasonable efforts to keep the site
information accurate, we and our third party providers are not obligated to update
or correct information within any specified time period. We and our third party
providers are not responsible for information provided by third parties,
whether the information is part of this Website, is in any linked website, or
is information about us that is provided on any website other than this one.
RSS Feeds Via the Website you may have access to
our standard RSS reader, which could allow you to add RSS feeds to the Website.
If applicable, and if you elect to add any RSS feed for access on the Website,
you hereby agree as follows: (1) you will comply with all terms of use and
other terms and conditions applicable to the RSS feed and/or content accessed via
that RSS feed; and (2) you will defend, indemnify and hold us and our third
party providers harmless from and against any and all claims, damages, costs
and expenses (including, without limitation, reasonable attorney’s fees)
(collectively, “Losses”) arising out of or relating to your use or access of an
RSS feed or the content accessible via such RSS feed, including without
limitation, your violation of any terms or conditions applicable to the RSS
feed or content accessed via that RSS feed. Further, you acknowledge and agree
that if we or our third party providers deem in our sole discretion that any
RSS feed you have attempted to add or have added to the Website is
objectionable or otherwise inappropriate, we or our third party providers may
remove the RSS feed from the Website. Notwithstanding the foregoing, we and our
third party providers assume no responsibility to monitor RSS feeds added to the
Website and our or our third party providers’ election to not remove and RSS
feed from the Website shall not be construed as our or our third party
providers’ acceptance of such RSS feed or the content accessible via such RSS
feed. We or our third party providers may suspend or eliminate access to the
RSS reader function of the Website at any time.
Limitation of Liability
Under
no circumstances including, but not limited to, negligence, shall we or our
third party providers be liable for any direct or indirect, incidental, special
or consequential damages that result from the use of, or the inability to use,
the materials in this Website, even if we or our authorized representatives
have been advised of the possibility of such damages. You understand and agree
that you have no relationship with our third party providers, and any and all
claims that you may have in connection with the Website are solely against us,
and are subject to the terms of our agreement with you. In no event shall our
or our third party providers’ total liability to you for all damages, losses,
and causes of action (whether in contract, tort or otherwise) exceed the amount
paid by you, if any, for accessing this Website. You are solely responsible for
your decision to and use of this Website. You shall indemnify and hold us and
our third party providers harmless from and against any and all claims,
damages, liability and/or costs relating to your or your agents’ use of this
Website.
Jurisdiction
The laws of the
Commonwealth of Pennsylvania govern this Website in all respects. Any disputes
or actions shall be initiated and resolved through Pennsylvania courts. You
must destroy all materials or copies of materials obtained from this Website
upon termination.
Age and
Responsibility
You represent that
you are of sufficient legal age to use this Website and to create binding legal
obligations for any liability you may incur as a result of the use of this
Website. You agree that you are financially responsible for all uses of this
Website by you and those using your login information, including any data
aggregation service providers that you have authorized to access your data.
Termination of
Access
We and our third
party providers reserve the right to terminate, without prior notice to you,
your access to this Website in our sole discretion, including without
limitation, for overuse or abuse of this Website.
Feedback
While we appreciate
hearing from our valued customers, to avoid any misunderstandings, please
understand that anything that you send to us, including ideas, suggestions,
proposals, etc., will become our property without any right of compensation and
you hereby waiver any claim therefore.