Reframe Financial (“Reframe,” “we,” “us,” or “our”) provides these Terms of Use (“Terms”) which govern your access and use of our website, https://www.reframefinancial.com/ (the “Site”), products and services, including without limitation any content, material, information, application, software (collectively, the “Services”). Please read the Terms carefully before accessing or using our Services to understand your rights, obligations, and restrictions. Our Services are intended solely for individuals who are at least 18 years old or have otherwise reached the age of majority in your jurisdiction. In these Terms, “you” or “your” will refer to you as the end user of the Services.
By using our Services, you agree to be bound by these Terms, and represent and warrant that you are at least 18 or have reached the age of majority in your jurisdiction and have the power and authority to agree to these Terms. You also represent and warrant that all information you provide to us is accurate, current, and complete, and will use the Services only as set forth in these Terms. If you do not agree with the Terms, please do not use the Services.
You may be subject to additional or other agreements or notices depending on the specific Services that you request, apply for or purchase.
You agree that we or our authorized agents may provide you in electronic form any information or other communications regarding our Services, including without limitation any pre-qualification quiz, enrollment, applications, notices, and disclosures. These electronic forms may be provided through our Site, e-mail, text message, or another secure website. When you visit our Site, use the Services, and communicate with us electronically, you consent to receive communications from us electronically and to electronically sign documents.
You agree that you have the ability to store electronic communications such that they remain accessible to you in an unchanged form. We will retain a copy of any agreement or document you sign electronically, including through our Site or Services, and you are responsible for retaining a copy of any agreement or document you sign electronically.
You may withdraw your consent to receive communications electronically or to use an electronic signature by sending us an e-mail at CustomerCare@Reframefinancial.com or writing to us at:
Attn: Customer Care
Reframe Financial
P.O. Box 201720
Austin, Texas 78720-1720
Your personal information and privacy are important to us. The collection, use, and sharing of your personal information through the Site and while you use the Services are subject to our Privacy Policy, which is hereby incorporated into the Terms.
The Services are protected by copyrights, trademarks, service marks, international treaties, and/or other proprietary rights and applicable laws. You agree to protect the proprietary rights of us and all others having rights in the Services.
Subject to the Terms, Reframe grants you a limited, revocable, non-exclusive, non-sublicensable license to use the Services for your own personal or legitimate business purposes. You acquire absolutely no rights or licenses in or to the Services or materials contained within the Services other than the limited right for you to access and use the Services in accordance with the Terms.
You agree that, while using the Services, you are solely responsible for the content or information you publish, display or otherwise communicate in any manner, or transmit to other users of the Services. You will not post on the Services, or transmit to other users, or otherwise communicate any defamatory, inaccurate, abusive, obscene, profane, offensive, sexually oriented, threatening, harassing, racially offensive, or illegal material, or any material that infringes or violates another party’s rights (including, but not limited to, intellectual property rights, and rights of privacy and publicity).
You may not use any of our trademarks, trade names, service marks, copyrights, or logos, or our partners’, affiliated entities’, licensors’, or their licensors’ trademarks, trade names, service marks, copyrights, or logos, including but not limited to Reframe Financial, in any manner which creates the impression that such items (i) belong to or are associated with you or indicate the sponsorship or approval of us, our licensors, any partners, affiliates, or their licensors; or (ii) except as otherwise provided herein, are used with our partners’, affiliates’, or their licensors’ consent, and you acknowledge that you have no ownership rights in or to any such items.
YOU AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK AND ACKNOWLEDGE THAT ALL INFORMATION CONTAINED IN THE SERVICES IS PROVIDED “AS IS” AND “AS AVAILABLE,” AND THAT WE MAKE NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE SERVICES, INCLUDING, BUT NOT LIMITED TO, MERCHANTABILITY, NON- INFRINGEMENT, TITLE, ACCURACY OR COMPLETENESS OF DATA, OR FITNESS FOR A PARTICULAR PURPOSE OR USE.
We do not warrant that the Services are compatible with your equipment or that the Services, or e-mail sent by us or our representative, is free of errors or viruses, worms or “Trojan horses,” or any other harmful, invasive, or corrupted files, and is not liable for any damage you may suffer as a result of such destructive features. You agree that we and our partners and affiliates and their respective owners, members, agents, directors, officers, employees, representatives, affiliates, successors, and assigns shall have no responsibility or liability for: (i) any injury or damages, whether caused by our negligence or that of our partners and affiliates and their respective owners, members, agents, directors, officers, employees, representatives, affiliates, successors, and assigns or otherwise arising in connection with the Services and shall not be liable for any lost profits, losses, punitive, incidental, or consequential damages, or any claim against us; or (ii) any fault, inaccuracy, omission, delay, or any other failure in the Services caused by your computer equipment or arising from your use of the Services on such equipment.
UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, SHALL WE OR OUR PARTNERS AND AFFILIATES AND THEIR RESPECTIVE OWNERS, MEMBERS, AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES, AFFILIATES, SUCCESSORS, AND ASSIGNS BE LIABLE TO YOU OR ANY THIRD PARTY FOR DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES EVEN IF WE OR THEY HAVE BEEN ADVISED SPECIFICALLY OF THE POSSIBILITY OF SUCH DAMAGES, ARISING FROM USE OF OR INABILITY TO USE THE SERVICES OR ANY LINKS OR ITEMS ON THE SERVICES OR ANY PROVISION OF THE TERMS. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES.
The content of other websites, services, goods, or advertisements that may be linked to or from the Services is not maintained or controlled by us. We are therefore not responsible for the availability, content, or accuracy of other websites, services, or goods that may be linked to or from the Services. We do not: (a) make any warranty, express or implied, with respect to the use of the links provided on, or to, the Services; (b) verify or guarantee the accuracy, completeness, usefulness, or adequacy of any other websites, services, or goods, that may be linked to or from the Services; or (c) make any endorsement, express or implied, of any other websites, services, or goods, that may be linked to or from Services. You agree to access these other websites, services, goods, or advertisements at your own risk. For the avoidance of doubt, this paragraph covers websites linked to or from the Services. Any statements, opinions, or other information made available by third parties, including users, are solely those of the respective author(s) or distributor(s).
WE DISCLAIM ANY AND ALL LIABILITY, INCLUDING ANY EXPRESS OR IMPLIED WARRANTIES, WHETHER ORAL OR WRITTEN, FOR WEBSITES, SERVICES, GOODS, INFORMATION OR ADVERTISEMENTS THAT MAY BE LINKED TO OR FROM, OR PROVIDED THROUGH, THE SERVICES. YOU ACKNOWLEDGE THAT NO REPRESENTATION HAS BEEN MADE BY US AS TO THE FITNESS OF THE WEBSITES, SERVICES, GOODS, OR ADVERTISEMENTS THAT MAY BE LINKED TO OR FROM THE SERVICES.
You agree, at your own expense, to indemnify, defend, and hold harmless us and our partners and affiliates and their respective owners, members, agents, directors, officers, employees, representatives, affiliates, successors, and assigns against any claim, suit, action, or other proceeding from and against any and all claims, damages, liabilities, costs, and expenses, including reasonable attorneys’ and experts’ fees, arising out of or in connection with the Services, or any links on the Services, including but not limited to: (i) any breach or violation of the Terms by you; (ii) material, information, or content submitted or provided by you; (iii) your use of the Services; or (iv) any deletions, additions, insertions, or alterations to, or any unauthorized use of, the Services by you. You agree to pay any and all costs, damages, and expenses, including but not limited to reasonable attorneys’ fees and costs awarded against or otherwise incurred by or in connection with or arising from any such claim, suit, action, or proceeding attributable to any such claim. 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 fully cooperate with us in asserting any available defense.
The Terms shall be governed and construed in accordance with the laws of the United States and the State of California, without giving effect to conflicts-of-law principles thereof. You agree to submit to the personal jurisdiction of the state and federal courts located in Los Angeles County in the State of California with respect to any legal proceedings that may arise in connection with the Services or from a dispute as to the interpretation or breach of the Terms and hereby waive any objection to the propriety or convenience of venue in such courts.
If you believe that any content appearing on the Services has been copied in a way that constitutes copyright infringement, please forward the following information to the Copyright Agent named below:
The designated Copyright Agent to receive notification of claimed infringement under Title II of the Digital Millennium Copyright Act is:
Karan Aneja
Reframe Financial
P.O. Box 201720
Austin, Texas 78720-1720
Reframe Financial reserves the right to change or modify the Terms at any time, and such modification shall be effective immediately upon posting to our website. Your access to or use of the Services after the posting of modifications to the Terms will constitute your acceptance of the modifications.
