Last updated: September 15, 2016
By using, viewing, or otherwise utilizing this Site, the services or functions offered in or by this Site and/or the contents of this Site in any way, you agree to each and all of the terms and conditions set forth below. If you do not agree with these terms and conditions, please immediately discontinue use of and leave this Site. This Site is intended for individuals and entities that can form legally binding contracts under applicable law. Without limiting the foregoing, the Site and the services or products offered by us are not available to minors. You must be at least eighteen (18) years of age or older to utilize the products sold by us. If you are not eighteen (18) years of age or older or are otherwise incapable of entering into a legally binding agreement, please immediately discontinue use of and leave this Site.
We may, at any time, in its sole discretion, modify, add, or remove all or portions of these terms and conditions without notice and, unless otherwise indicated, such changes will be effective immediately; therefore, please check these terms frequently for changes. Your continued use of this Site following any changes to these terms and conditions shall be deemed acceptance of any such changes. Please print and retain a copy of these terms and conditions for your records.
PERSONAL AND NONCOMMERCIAL USE LIMITATION
The Site is for your personal, noncommercial use. Other than as expressly permitted in the next sentence, you may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, products or services found on, or obtained from, this Site. You may display and, subject to any expressly stated restrictions or limitations relating to specific material on the Site, electronically copy, download onto your personal computer, mobile device or other technology used to access the Site, and print single hard copy portions of the material from the Site solely for your own internal, noncommercial, lawful use. You may not scrape, collect, or consolidate information from this Site by any automated or other means.
USE OF THE WEB SITE
The Site and the materials located on or through the Site are provided by us for informational purposes only, with the understanding that we are not engaged in the rendering of legal or other professional advice or service by the provision of these materials. You agree to be financially and otherwise responsible for all of your use of this Site (including use of this Site by any other person to whom you supply your information). You also represent and warrant that all information supplied by you using this Site is true and accurate. If, for any reason, any portion of the Site is not capable of rendering its full functionality, including, but not limited to, because of infection by computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the reasonable control of PFS, we may (but need not), in our sole and absolute discretion, prohibit you or any person associated with you, from using the Site, and/or cancel, terminate, modify or suspend the Site or any portion thereof.
NO UNLAWFUL OR PROHIBITED USE
You agree that you will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices.
COPYRIGHT AND TRADEMARK NOTICES
PFS and its licensors own all right, title and interest in and to the Site, all the text, content, graphics, interfaces, code and materials thereon, the look and feel, selection and arrangement, design and organization of the Site, and the compilation of the content, code, data and materials on the Site, including, but not limited to, all intellectual property and proprietary rights therein. Your use of the Site does not grant to you ownership in or rights to of any of the foregoing. The Site is protected by copyright, and is the property of PFS. No material from this Site or any Internet site owned, operated, licensed, or controlled by us or any of these parties may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way without our express prior express written consent. All trademarks, service marks, trade names and trade dress and logos are owned by their respective owners or licensees. You may not use any of the trademarks, logos, or other proprietary information (including images, text, page layout, or form) without our prior express written consent. You may not use any meta tags or any other “hidden text” utilizing our name, trademarks or other proprietary information without our prior express written consent. You may not frame or utilize framing techniques to enclose any of our trademarks, logos, or other proprietary information (including images, text, page layout, or form) without our prior express written consent.
Our company policy does not allow us to accept or consider creative ideas, suggestions, or materials other than those that we have specifically requested. We employ a talented staff and consultants who may be working on the same or similar ideas. It is the intent of this policy to avoid the possibility of future misunderstandings when projects developed by our professional staff and/or consultants might seem to others to be similar to their own creative work. Please do not send us any unsolicited original creative materials of any kind.
Any unsolicited submissions, including creative suggestions, ideas, notes, drawings, concepts, or other information (collectively, the “Submissions”), that you send to us shall become our property and all rights in them will be and remain our property. No such Submission shall be subject to any obligation of confidentiality on our part and we shall not be liable for any use or disclosure of any Submissions. Without limiting the foregoing, we shall exclusively own all now known or thereafter existing rights to the Submissions of every kind and nature throughout the universe and shall be entitled to unrestricted use of the Submissions for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Submissions.
This Site may contain links to other online resources owned or operated by parties other than PFS. Such links might appear on the Site as a banner advertisement, search result, icon, graphic, or other material on the Site. Such links usually connect you to the resources of advertisers, sponsors, suppliers, or similar third parties. Such third parties might use our logo(s) as part of a co-branding agreement. Such links may be to third party websites that provide online account payment capabilities through such third party website in connection with your accounts with PFS or its applicable affiliate.
Such links are provided for your convenience only, and the inclusion of any such link does not express or imply endorsement by PFS of the linked resources or any association by PFS with the owners or operators of such resources. The linked resources are not under the control of PFS and PFS is not responsible for the availability, or the privacy and/or security practices, of such resources. These other resources might place cookies, web beacons, or other tracking mechanisms on users’ devices. These mechanisms might collect data, solicit personal information, or contain information that you may find inappropriate or offensive.
PFS does not endorse, and is not responsible or liable for, any content, products, services, or other materials available on or through any linked resource, including, without limitation, any link contained in a linked resource.
Please keep in mind that whenever you give out information online, that information can be collected and used by people that you do not know. We cannot guarantee the security of any information you disclose online. Such disclosures are made at your own risk.
The Site is operated in the United States, and the PFS products, services, materials, offers, and information appearing on the Site are intended for U.S. users. PFS makes no representations that the documents, pages, images, or other materials or content on this Site are appropriate or available for use in jurisdictions outside the United States. Your use of this Site is subject to the law of the United States. You may not use this Site if to do so would violate the law of a non-US jurisdiction from or through which you access this Site.
LIMITATION ON LIABILITY
YOU AGREE THAT YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE CONTENT, MATERIALS, FUNCTIONS, INFORMATION, TEXT, GRAPHICS, PRODUCTS AND SERVICES IN THIS SITE ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTY, REPRESENTATION, CONDITION, UNDERTAKING OR TERM OF ANY KIND, EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE. TO THE MAXIMUM EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY, OR FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, DESIGN, ACCURACY, CAPABILITY, SUFFICIENCY, SUITABILITY, CAPACITY, COMPLETENESS, AVAILABILITY, COMPATIBILITY OR ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. ELECTRONIC TRANSMISSIONS, INCLUDING THE INTERNET, ARE PUBLIC MEDIA, AND ANY USE OF SUCH MEDIA IS PUBLIC AND NOT PRIVATE. INFORMATION RELATED TO OR ARISING FROM SUCH USE IS PUBLIC, OR THE PROPERTY OF THOSE COLLECTING INFORMATION, AND NOT PERSONAL OR PRIVATE INFORMATION.
THIS SITE MAY CONTAIN ERRORS, INACCURACIES, OMISSIONS OR INCOMPLETE DATA. SECURITY FINANCE RESERVES THE RIGHT TO CORRECT ANY ERRORS, INACCURACIES OR OMISSIONS. PFS DOES NOT WARRANT, REPRESENT OR ENDORSE THE ACCURACY, RELIABILITY, USEFULNESS, AVAILABILITY, ADEQUACY OR COMPLETENESS OF THE SERVICES, CONTENT, OR MATERIALS IN THIS SITE OR ANY SITE LINKED TO IT. FURTHER, WE DO NOT WARRANT THAT THIS SITE OR THE SERVICES, CONTENT, MATERIALS OR FUNCTIONS CONTAINED IN THIS SITE WILL BE CONTINUOUSLY AVAILABLE, UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE, SERVICES, CONTENT, MATERIALS OR THE SERVERS THAT MAKE THIS SITE OR SUCH SERVICES, CONTENT AND MATERIALS AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS OR ARE ACCURATE OR COMPLETE. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE SERVICES, CONTENT, MATERIALS, OR FUNCTIONS AVAILABLE THROUGH THIS SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE.
YOU AGREE THAT PFS IS NOT RESPONSIBLE OR LIABLE IN ANY WAY FOR ANY INJURY, LOSS OR DAMAGE TO YOUR COMPUTER OR USE OF INFORMATION RELATED TO OR RESULTING FROM USE OF THIS SITE. SECURITY FINANCE IS NOT RESPONSIBLE FOR TELEPHONE, ELECTRIC, ELECTRONIC, NETWORK, INTERNET, COMPUTER, HARDWARE OR SOFTWARE PROGRAM MALFUNCTIONS, FAILURES, DELAYS OR DIFFICULTIES, OR LATE, LOST, STOLEN, ILLEGIBLE, INCOMPLETE, GARBLED, MISDIRECTED MUTILATED OR POSTAGE DUE MAIL, E-MAIL, FORM POSTINGS, CONNECTIONS, MESSAGES OR ENTRIES, OR THE SECURITY OF ANY AND ALL SUCH MATTERS.
BECAUSE SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS ON WARRANTIES, OR THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE DISCLAIMER AND LIMITATIONS MAY NOT APPLY TO YOU.
You will indemnify, defend and hold us, our parent companies and affiliates and their subsidiaries, and each of our and their owners, partners, members, affiliates, and each of such person’s or entities’ officers, directors, agents, contractors, subcontractors, guests, residents, visitors, licensees, invitees, and employees (collectively, the “Indemnified Parties”) harmless from and against any and all allegations, demands, claims, liabilities, damages, fines, penalties or costs of whatsoever nature (including reasonable attorneys’ fees) loss of or damage to any property or otherwise (“Claims”) arising out of or in any way connected with the use of the Site or otherwise. In the event that any Claim is made or any action or proceeding is brought against any Indemnified Party, arising out of or connected with this agreement, any such Indemnified Party may, by reasonable notice to you, require you, at your expense, to resist such Claim or take over the defense of any such action or proceeding and employ counsel for such purpose, such counsel to be subject to the prior written approval of such Indemnified Party, which approval shall be deemed to have been given hereby in the case of counsel acting for your insurance underwriters engaged in such resistance or defense. You shall cooperate with us in the defense of any 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.
BY UTILIZING THE SITE, ALL USERS ACKNOWLEDGE AND AGREE THAT PFS IS RELEASED, DISCHARGED AND HELD HARMLESS FROM AND IS NOT RESPONSIBLE OR LIABLE FOR ANY LIABILITY WITH RESPECT TO ALL ASPECTS OF THE SITE THAT MAY OCCUR FROM USE OF THE SITE OR THE ACCEPTANCE, POSSESSION, USE OR MISUSE OF INFORMATION, MATERIALS, SERVICES OR PRODUCTS RELATED THERETO OR ACQUIRED THEREFROM. WE RESERVE THE RIGHT AT ANY TIME AND WITHOUT LIABILITY TO RESTRICT OR REFUSE ACCESS TO THE SITE AND ITS SERVICES, CONTENT, MATERIALS AND FUNCTIONS TO ANYBODY. WE FURTHER RESERVE THE RIGHT TO SEEK ANY FORM OF RELIEF, INCLUDING WITHOUT LIMITATION ATTORNEYS’ FEES, RELATED TO FRAUDULENT OR ILLEGAL ACTIVITY CONNECTED WITH THE USE OF THE SITE.
ACCESS AND INTERFERENCE
You will not use any robot, spider, other automatic device, or manual process to monitor or copy the Site or the contents or information contained therein, without our prior express written consent. You agree that you will not use any device, software, or routine to interfere or attempt to interfere with the proper working of the Site or any transaction being conducted through the Site.
You represent and warrant the information you provide to or through the Site (i) will not contain any viruses, Trojan horses, worms, time bombs, cancelbots or other computer code routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or information; and (ii) will not create liability for us or cause us to lose (in whole or in part) the services of our ISPs or other suppliers. You may not (a) decompile, disassemble or reverse engineer the Site or any portion thereof, or (b) attempt to gain unauthorized access to the Site, any portion thereof or any other computer systems through the Site. You agree that you will not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.
CHOICE OF LAW, JURISDICTION, AND VENUE