Terms of Use

Privus Financial, LLC – Term Of Service

1. Intro
2. Acceptance of Terms
3. Modification to the Agreement & Website
4. Privacy
5. Service Eligibility
6. Rules of Conduct
7. Intellectual Property Rights
8. DMCA Copyright Policy
9. Site Content
10. User Content
11. Linked Third Party Sites
12. Risk of Loss
13. Warranty Disclaimer
14. Limitation of Liability
15. Indemnity
16. Legal Disputes
17. Severability
18. Date

TERMS OF SERVICE
These Terms of Service (“Terms”) create a legal agreement that is entered into by and between you (“You” or “Your”) and Privus Financial, LLC (“Privus Financial, LLC” or “We”). In consideration of Your use and access to https://privusfinancial.com (the “Site” or “Website”) and the services provided on the Site (“Services”), and the conditions of use, promises, and obligations herein, and intending to be legally bound, You and Privus Financial, LLC hereby agree as follows:
Your access to and use of the Site is subject to these Terms, which incorporates the separately posted Privus Financial, LLC Privacy Policy, as well as any modifications to them and all applicable laws and regulations (collectively, the “Agreement”). If You do not want to be bound by these Terms, then do not use the Site.

Acceptance of Terms

Please read these Terms carefully before accessing or using the Website. By accessing or using any part of the Website, You agree to become bound by the Terms of this agreement. If You do not agree to all the Terms of this agreement, then You may not access the Website or use any Services. If these Terms are considered an offer by Privus Financial, LLC, acceptance is expressly limited to these Terms.

Modification to the Terms & Website

Privus Financial, LLC shall have the right at any time and without prior notice, at its sole discretion, to modify these Terms or to impose new Terms with respect to access to or use of the Site. Such modifications and additions shall be effective immediately upon notice thereof, which may be given by any means, including posting the modified or additional terms on the Site. You are responsible for reviewing these Terms periodically for any modification to these Terms that may affect Your rights or obligations hereunder. You agree that You shall be deemed apprised of and bound by any modification by Privus Financial, LLC of these Terms. ANY ACCESS OR USE OF THE SITE BY YOU AFTER NOTICE OF MODIFICATIONS OR ADDITIONS TO THESE TERMS SHALL CONSTITUTE AND BE DEEMED TO BE YOUR AGREEMENT TO SUCH MODIFICATIONS OR ADDITIONS. No modification to these Terms by any party other than Privus Financial, LLC shall be valid or enforceable against Privus Financial, LLC unless expressly agreed to by Privus Financial, LLC in writing signed by a duly authorized officer of Privus Financial, LLC.

Privacy

Except as provided in Privus Financial, LLC’s Privacy Policy, Privus Financial, LLC will retain the right to sell or disclose Your personal information (as defined in the Privacy Policy) to third parties.

Service Eligibility

A. Age
Privus Financial, LLC’s Services are available only to, and may only be used by, individuals who are 18 years and older who can form legally binding contracts under applicable law (“User”). You represent and warrant that You are at least 18 years old and that all registration information You submit is accurate and truthful. Privus Financial, LLC may, in its sole discretion, refuse to offer access to or use of the Website to any person or entity and change its eligibility criteria at any time. This provision is void where prohibited by law and the right to access the Website is revoked in such jurisdictions.

Individuals under the age of 18 must at all times use Privus Financial, LLC’s Services only in conjunction with and under the supervision of a parent or legal guardian who is at least 18 years of age. In this all cases, the adult is the User and is responsible for any and all activities.

B. Compliance
You agree to comply with all local laws regarding online conduct and acceptable content with regard to the Site (“Content” as defined within these Terms). In addition, You must abide by Privus Financial, LLC’s Content policies as stated in the Agreement (if applicable to Your activities on or use of the Website) as well as all other operating rules, policies and procedures that may be published from time to time by Privus Financial, LLC, each of which is incorporated herein by reference and each of which may be updated by Privus Financial, LLC from time to time without notice to You.

In addition, some Services offered through the Website may be subject to additional terms and conditions promulgated by Privus Financial, LLC from time to time; Your use of such Services is subject to those additional terms and conditions, which are incorporated into this Agreement by this reference.

C. Password
Keep Your password secure. You are fully responsible for all activity, liability and damage resulting from Your failure to maintain password confidentiality. You agree to immediately notify Privus Financial, LLC of any unauthorized use of Your password or any breach of security. You also agree that Privus Financial, LLC cannot and will not be liable for any loss or damage arising from Your failure to keep Your password secure. You agree not to provide Your User name and password information in combination to any other party other than Privus Financial, LLC without Privus Financial, LLC’s express written permission.

D. Account Information
You must keep Your account information up-to-date and accurate at all times, including a valid email address.

F. Right to Refuse Services
Privus Financial, LLC’s Services are not available to a temporarily or indefinitely suspended User of Privus Financial, LLC’s Services. Privus Financial, LLC reserves the right, in Privus Financial, LLC’s sole discretion, to cancel unconfirmed or inactive User accounts. Privus Financial, LLC reserves the right to refuse Services to anyone, for any reason, at any time.

G. Termination
These Terms are effective until terminated by Privus Financial, LLC. Privus Financial, LLC may terminate these Terms without notice and at any time in connection with the Site. In the event of termination, You are no longer authorized to access the Site. The disclaimers, indemnities, and limitations of liability set forth in these Terms shall survive termination.
Privus Financial, LLC shall also have the right without notice and at any time to terminate access to or use of some or all of the Site, or any features of the Site, or to terminate any User’s access to any Services, use of the Site, or any features of the Site.

Rules of Conduct
In using the Privus Financial, LLC website, you agree to not:
A. Upload, download, post, email or otherwise transmit any Content that is unlawful, harmful, threatening, abusive, vulgar, harassing, defamatory, obscene, pornographic, profane, indecent, inflammatory, libelous, tortious, hateful, racially, ethnically, socially, politically, legally, morally, religiously objectionable or otherwise objectionable, or invasive of another’s rights including but not limited to rights of celebrity, privacy and intellectual property.
B. Impersonate any person or entity or falsely state or otherwise misrepresent Your affiliation with a person or entity;
C. Upload, download, post, email or otherwise transmit any Content that may infringe any patent, trademark, copyright, misappropriate any trade secret, or other intellectual or proprietary right of any party. As a guideline, You may contribute Content that is only original work that You have created yourself from original elements. This means You cannot use images of celebrities or corporate products, nor images, text, or designs that You have copied from a Website without written permission from the owner. You cannot create a “new” image using elements from images other people have created. You cannot contribute a quote or a slogan that is substantially the same as something already written by someone else. By uploading any Content, You represent and warrant that You have the lawful right to reproduce and distribute such Content and that the Content complies with all applicable federal, state and local laws, regulations and ordinances;
D. Upload, download, post, email or otherwise transmit any Content that would constitute or encourage a criminal offense, illegal activity, violate the rights of any party, or that would otherwise create liability or violate any local, state, national, or international law;
E. Use the Services to harm minors in any way, including, but not limited to, uploading Content that violates child pornography laws, child sexual exploitation laws and laws prohibiting the depiction of minors engaged in sexual conduct;
F. Upload Content that may be seen as condoning or encouraging unsafe practices that would result in the physical, mental or moral harm of children;
G. Upload, download, post, email or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, or any other form of solicitation;
H. Upload, download, post, email or otherwise transmit any Content that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
I. Upload, download, post, email or otherwise transmit false or misleading information;
J. Disrupt or interfere with the security of, or otherwise abuse, the Website, or any services, system resources, accounts, servers, or networks connected to or accessible through the Website or affiliated or linked Websites;
K. Access, tamper with or use non-public areas of the Website. Unauthorized individuals attempting to access these areas of the Website may be subject to prosecution;
L. Disrupt or interfere with any other User’s enjoyment of the Website or affiliated or linked Websites;
M. Frame the Website within another Website or webpage or link to the Website except as permitted in writing by Privus Financial, LLC;
N. Incorporate images or names that would violate a person’s right of privacy or publicity;
O. Use a manual or automatic device or process to retrieve, index, “data mine” or in any way reproduce or circumvent the navigational structure or presentation of the Service;
P. Transfer Your Privus Financial, LLC User account to another party without Privus Financial, LLC’s written consent;
Q. Copy, modify or distribute rights or Content from the Website, service or tools or Privus Financial, LLC’s copyrights and trademarks; or
R. Harvest or otherwise collect information about Users, including email addresses, without their consent.

You agree that You are responsible for actions and communications undertaken under Your User account. Privus Financial, LLC takes no responsibility and assumes no liability for any Content uploaded or otherwise transmitted by or to You or by or to any third-party, or for any mistakes, defamation, slander, libel, omissions, falsehoods, infringement, obscenity, pornography or profanity You or a third party may encounter. You agree to waive any claims against Privus Financial, LLC and its affiliates, contractors, agents and employees for losses, damages and injuries that are based on or relate to communications, Content or materials on the Website. You agree to indemnify and hold harmless Privus Financial, LLC and its affiliates from all claims and expenses, including reasonable attorney’s fees, which claims are based on or arise from Your violation of any of the provisions of this Agreement.

Intellectual Property Rights
When accessing or using the Website, You agree to obey the law and to respect the intellectual property rights of others. Your use of the Website is at all times governed by and subject to laws regarding ownership and use of any intellectual property including copyright, trademark, patent, and trade secret. You agree not to upload, download, display, perform, transmit, or otherwise distribute any information or Content in violation of any party’s copyrights, trademarks, patents, trade secrets, or other intellectual property or proprietary rights. You agree to abide by laws regarding ownership and use of intellectual property including copyright, trademark, patent, and trade secret, and You shall be solely responsible for any violations of any laws and for any infringements or misappropriation of any intellectual property rights caused by any Content You provide, post, or transmit, or that is provided or transmitted using Your User name or user ID. The burden of proving that any Content does not violate any laws or intellectual property rights rests solely with You.

All Privus Financial, LLC Content included on the Website and Services, such as text, graphics, logos, button icons, images, audio and/or video media, digital downloads, data compilations, and Software, is the property of Privus Financial, LLC, or licensed by third parties to Privus Financial, LLC, and is protected by U.S. and international intellectual property laws. The compilation of all Content on this Website is the exclusive property of Privus Financial, LLC, or third parties, and protected by U.S. and international copyright and trademark laws. All software used on this site is the property of Privus Financial, LLC or its software suppliers and protected by U.S. and international intellectual property laws.

You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Privus Financial, LLC and our affiliates without express written consent. You may not use any meta-tags or any other “hidden text” utilizing the Privus Financial, LLC name or trademarks without the express written consent of Privus Financial, LLC. You may not use any direct linking or source-calling of any media presented on this Website.

DMCA Copyright Policy
Privus Financial, LLC has adopted the following policy toward copyright infringement on the Services in accordance with the Digital Millennium Copyright Act (a copy of which is located at http://www.copyright.gov/legislation/dmca.pdf, the “DMCA”). The address of Privus Financial, LLC’s Designated Agent for copyright takedown notices (“Designated Agent”) is listed below.

*Designated Agent application with US Copyright Office still pending.
Reporting Instances of Copyright Infringement:
If You believe that Content residing or accessible on or through the Services infringes a copyright, please send a notice of copyright infringement containing the following information to the Designated Agent at the address below:
1. Identification of the work or material being infringed.
2. Identification of the material that is claimed to be infringing, including its location, with sufficient detail so that Privus Financial, LLC is capable of finding it and verifying its existence.
3. Contact information for the notifying party (the “Notifying Party”), including name, address, telephone number, and e-mail address.
4. A statement that the Notifying Party has a good faith belief that the material is not authorized by the copyright owner, its agent or law.
5. A statement made under penalty of perjury that the information provided in the notice is accurate and that the Notifying Party is authorized to make the complaint on behalf of the copyright owner.
6. A physical or electronic signature of a person authorized to act on behalf of the owner of the copyright that has been allegedly infringed.
After removing material pursuant to a valid DMCA notice, Privus Financial, LLC will immediately notify the User responsible for the allegedly infringing material that it has removed or disabled access to the material. Privus Financial, LLC reserves the right, in its sole discretion, to immediately terminate the account of any User who is the subject of repeated DMCA notifications.

Submitting a DMCA Counter-Notification:
If You believe You are the wrongful subject of a DMCA notification, You may file a counter-notification with Privus Financial, LLC by providing the following information to the Designated Agent at the address below:
• The specific URLs of material that Privus Financial, LLC has removed or to which Privus Financial, LLC has disabled access.
• Your name, address, telephone number, and email address.
• A statement that You consent to the jurisdiction of U.S. District Court located in Dallas County, Texas, and that You will accept service of process from the person who provided the original DMCA notification or an agent of such person.
• The following statement: “I swear, under penalty of perjury, that I have a good faith belief that the material was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled.”
• Your signature.

Upon receipt of a valid counter-notification, Privus Financial, LLC will forward it to the Notifying Party who submitted the original DMCA notification. The original Notifying Party (or the copyright holder that they represents) will then have ten (10) days to notify Privus Financial, LLC that they have filed legal action relating to the allegedly infringing material. If Privus Financial, LLC does not receive any such notification within ten (10) days, We may restore the material to the Services.

Designated Agent
Privus Financial, LLC
909 Lake Carolyn Pkwy, Suite 330
Irving, Texas 75039
Attn: Copyright Agent

Site Content
All material on the Site including without limitation all text, images, photographs, graphics, logos, illustrations, descriptions, data, audio, video, messages, files, documents, derivative works, and other materials, whether publicly posted or privately transmitted, provided by Privus Financial, LLC, as well as the selection, assembly, and arrangement thereof are referred to collectively as the “Content.”

The Content may contain errors, omissions, or typographical errors or may be out of date. Privus Financial, LLC may update any Content at any time and without prior notice. The Content is provided for informational purposes only and is not binding on Privus Financial, LLC in any way except to the extent it is specifically indicated to be so.

Unless otherwise noted, all Content is protected by copyrights, trademarks, service marks, and other proprietary rights that are owned by Privus Financial, LLC or by third parties that have licensed their use to Privus Financial, LLC. Privus Financial, LLC disclaims any proprietary interest in trademarks, service marks, logos, slogans, domain names, and trade names other than its own. Trademarks, service marks, logos, and slogans displayed on the Site are the intellectual property of either Privus Financial, LLC or other third parties. You agree not to display or use such marks without Privus Financial, LLC’s prior written permission.

You may view and use the Content only for Your personal information and for no other purpose, and You shall not modify any or all copyright and other proprietary notices. Except as provided in the foregoing, Privus Financial, LLC does not grant to You or any person any right to use, reproduce, copy, modify, transmit, display, publish, sell, license, create derivative works, publicly perform, or distribute by any means, method or process whatsoever, now known or hereafter developed, any of the Content on the Site, including without limitation by transferring, downloading, or otherwise copying. The use of any device, software, or routine that interferes or attempts to interfere with the proper working of the Site is expressly prohibited.

User Content
You grant Privus Financial, LLC a license to use Your Content (“User Content”) and materials You post to the Website. By posting, downloading, displaying, performing, transmitting, or otherwise distributing User Content to the Website, You are granting Privus Financial, LLC, its affiliates, officers, directors, employees, consultants, agents, and representatives a license to use User Content in connection with the operation of the Internet business of Privus Financial, LLC, its affiliates, officers, directors, employees, consultants, agents, and representatives, including without limitation, a right to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat User Content. By posting User Content on the Website, You warrant and represent that You own the rights to the User Content or are otherwise authorized to post, distribute, display, perform, transmit, or otherwise distribute User Content.

Privus Financial, LLC considers any unsolicited suggestions, ideas, proposals or other material submitted to it by users via the Website or otherwise (other than the Content and the tangible items sold on the Website by users) (collectively, the “Material”) to be non-confidential and non-proprietary, and Privus Financial, LLC shall not be liable for the disclosure or use of such Material. If, at Privus Financial, LLC’s request, any User sends Material to improve the site (for example through the Forums or to customer support), Privus Financial, LLC will also consider that Material to be non-confidential and non-proprietary and Privus Financial, LLC will not be liable for use or disclosure of the Material. Any communication by You to Privus Financial, LLC is subject to this Agreement. You hereby grant and agree to grant Privus Financial, LLC, under all of Your rights in the Material, a worldwide, non-exclusive, perpetual, irrevocable, royalty-free, fully-paid, sublicensable and transferable right and license to incorporate, use, publish and exploit such Material for any purpose whatsoever, commercial or otherwise, including but not limited to incorporating it in the API (Application Program Interface), documentation, or any product or service, without compensation or accounting to You and without further recourse by You.

Linked Third Party Sites
Links to other Internet sites operated by third parties do not constitute sponsorship, endorsement, or approval by Privus Financial, LLC of the content, policies, or practices of such linked sites. Linked sites are not operated, controlled, or maintained by Privus Financial, LLC, and Privus Financial, LLC is not responsible for the availability, content, security, policies, or practices of linked sites, including without limitation privacy policies and practices. Links to other sites are provided for Your convenience only, and You access them at Your own risk.

RISK OF LOSS
All items purchased from Privus Financial, LLC are made pursuant to a shipment contract. This means that the risk of loss and title for such items pass to You upon tender of the item to the carrier.

Warranty Disclaimer
Your access to and use of the Services or any Content is at Your own risk. Privus Financial, LLC MAKES NO WARRANTIES OR REPRESENTATIONS WHATSOEVER WITH RESPECT TO THE SITE OR ANY LINKED SITE OR ITS CONTENT, INCLUDING THE AVAILABILITY OF ANY SITE OR THE CONTENT, INFORMATION AND MATERIALS ON IT OR THE ACCURACY, COMPLETENESS, OR TIMELINESS OF THAT CONTENT, INFORMATION, OR MATERIALS. Privus Financial, LLC ALSO DOES NOT WARRANT OR REPRESENT THAT YOUR ACCESS TO OR USE OF THE SITE OR ANY LINKED SITE WILL BE UNINTERRUPTED OR FREE OF ERRORS OR OMISSIONS, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR ANY LINKED SITE IS FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS. WITHOUT LIMITING THE FOREGOING, ALL CONTENT PROVIDED ON OR THROUGH THE SITE IS PROVIDED TO USERS “AS IS,” WITH NO WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY, OR ACCURACY. THE “AS IS” CONDITION OF CONTENT IS EXPRESSLY MADE A CONDITION OF ANY TRANSACTION ARISING THROUGH OR AS A RESULT OF THE SITE.

Please note that some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to You. Check Your local laws for any restrictions or limitations regarding the exclusion of implied warranties.

UNDER NO CIRCUMSTANCES SHALL Privus Financial, LLC, ITS SERVICE PROVIDERS, OR CONTRACTORS, OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR TO ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, WHETHER IN CONTRACT OR IN TORT, INCLUDING NEGLIGENCE, ARISING IN ANY WAY OUT OF ACCESS TO OR USE OF THE SITE OR ANY LINKED SITE OR ITS CONTENTS, INCLUDING WITHOUT LIMITATION LOST PROFITS, BUSINESS INTERRUPTION, OR LOSS OF PROGRAMS OR OTHER DATA ON COMPUTER SYSTEMS OR OTHERWISE, EVEN IF Privus Financial, LLC IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Limitation of Liability
IN NO EVENT SHALL Privus Financial, LLC, AND (AS APPLICABLE) Privus Financial, LLC’S SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES OR Privus Financial, LLC’S SUPPLIERS BE LIABLE FOR ANY DAMAGES WHATSOEVER, WHETHER DIRECT, INDIRECT, GENERAL, SPECIAL, COMPENSATORY, CONSEQUENTIAL, AND/OR INCIDENTAL, ARISING OUT OF OR RELATING TO THE CONDUCT OF YOU OR ANYONE ELSE IN CONNECTION WITH THE USE OF THE SITE, Privus Financial, LLC’S SERVICES, OR THIS AGREEMENT, INCLUDING WITHOUT LIMITATION, LOST PROFITS, BODILY INJURY, EMOTIONAL DISTRESS, OR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES.

Privus Financial, LLC’S LIABILITY, AND (AS APPLICABLE) THE LIABILITY OF Privus Financial, LLC’S SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES, AND SUPPLIERS, TO YOU OR ANY THIRD PARTIES IN ANY CIRCUMSTANCE IS LIMITED TO THE GREATER OF (A) THE AMOUNT OF FEES YOU PAY TO Privus Financial, LLC IN THE MONTH PRIOR TO THE ACTION GIVING RISE TO LIABILITY, AND (B) $100. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

Indemnity

You agree to indemnify and hold Privus Financial, LLC and its subsidiaries, affiliates, officers, agents, employees, partners and licensors harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of Content You submit, post, transmit, modify or otherwise make available through the Privus Financial, LLC, Your use of the Privus Financial, LLC, Your connection to the Privus Financial, LLC, Your violation of the Terms Of Service, or Your violation of any rights of another.

Legal Disputes
You and Privus Financial, LLC agree that We will resolve any claim or controversy at law or equity that arises out of this Agreement or the Services in accordance with this Section or as You and Privus Financial, LLC otherwise agree in writing. Before resorting to arbitration, We strongly encourage You to contact us directly to seek a resolution.

These terms and conditions and Your relationship with Privus Financial, LLC shall be governed by and construed in accordance with the laws of the state of Texas, without resort to its conflict of law provisions. Any dispute relating in any way to Your visit to the Website or to the Services or products You purchase through the Website shall be submitted to confidential binding arbitration in Dallas County, Texas for the maximum judgment enforceable, except that to the extent You have in any manner violated or threatened to violate our intellectual property rights, Privus Financial, LLC may seek injunctive or other appropriate relief in any state or federal court in Dallas County, Texas. You hereby consent to, and waive all defenses of lack of personal jurisdiction and forum non conveniens with respect to venue and jurisdiction in the state and federal courts of Dallas County, Texas. Arbitration under this Agreement shall be conducted pursuant to the existing Commercial Arbitration Rules at the American Arbitration Association (AAA). If you and Privus Financial, LLC cannot agree on an arbitrator, the AAA shall select a single arbitrator who is a lawyer with at least 10 years of experience regarding Internet business. There shall be no discovery including no depositions or written interrogatories or requests for production, and the hearing shall be commenced within 60 days of the appointment of the arbitrator. The hearing shall last no more than 4 hours, and the arbitrator shall issue a standard award within 14 days following the hearing. The arbitrator’s award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. You and Privus Financial, LLC each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action.
If for any reason a claim is initiated in court rather than in arbitration We each waive any right to a jury trial.

Severability
If any provision of this Agreement is held unenforceable, then such provision will be modified to reflect the parties’ intention. All remaining provisions of this Agreement shall remain in full force and effect.

Last Updated 10/12/2020

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