Terms and Conditions

<h1>Terms and Conditions</h1>

<p><strong>Last Updated:</strong> May 1, 2024</p>

<p>These Terms and Conditions ("Terms") govern your access to and use of the CreditUnionAdvisor website at <a href="https://budgetscureview.com">https://budgetscureview.com</a> (the "Site") and any services, content, tools, or features provided through the Site (collectively, the "Services"). Please read these Terms carefully before using our Site or Services.</p>

<p>By accessing or using the Site or Services, you agree to be bound by these Terms and our Privacy Policy, incorporated herein by reference. If you do not agree to these Terms, please do not access or use our Site or Services.</p>

<h2>1. Use of the Site and Services</h2>

<h3>1.1 Eligibility</h3>

<p>The Site and Services are intended for users who are at least 18 years old and are residents of the United States. By using the Site, you represent and warrant that you meet these requirements and that you have the right, authority, and capacity to enter into these Terms.</p>

<h3>1.2 Account Registration</h3>

<p>Some features of our Services may require you to register an account. When you register, you agree to provide accurate, current, and complete information and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.</p>

<h3>1.3 Prohibited Uses</h3>

<p>You agree not to:</p>
<ul>
    <li>Use the Site or Services in any way that violates any applicable federal, state, local, or international law or regulation</li>
    <li>Use the Site or Services for the purpose of exploiting, harming, or attempting to exploit or harm minors</li>
    <li>Use the Site or Services to transmit any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable</li>
    <li>Impersonate or attempt to impersonate CreditUnionAdvisor, a CreditUnionAdvisor employee, another user, or any other person or entity</li>
    <li>Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site or Services</li>
    <li>Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site or Services</li>
    <li>Use any robot, spider, or other automatic device, process, or means to access the Site for any purpose, including monitoring or copying any of the material on the Site</li>
    <li>Use the Site or Services in any manner that could disable, overburden, damage, or impair the site or interfere with any other party's use of the Site or Services</li>
    <li>Use any device, software, or routine that interferes with the proper working of the Site or Services</li>
    <li>Introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful</li>
    <li>Use the Site or Services to advertise or offer to sell goods and services</li>
</ul>

<h2>2. Intellectual Property Rights</h2>

<h3>2.1 Ownership</h3>

<p>The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof), are owned by CreditUnionAdvisor, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.</p>

<h3>2.2 License to Use</h3>

<p>Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use the Site and Services for your personal, non-commercial use. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Site, except as follows:</p>
<ul>
    <li>Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials</li>
    <li>You may store files that are automatically cached by your Web browser for display enhancement purposes</li>
    <li>You may print or download one copy of a reasonable number of pages of the Site for your own personal, non-commercial use and not for further reproduction, publication, or distribution</li>
    <li>If we provide desktop, mobile, or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use</li>
</ul>

<h3>2.3 Trademarks</h3>

<p>The CreditUnionAdvisor name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of CreditUnionAdvisor or its affiliates or licensors. You must not use such marks without the prior written permission of CreditUnionAdvisor. All other names, logos, product and service names, designs, and slogans on this Site are the trademarks of their respective owners.</p>

<h2>3. User Contributions</h2>

<h3>3.1 Content Submission</h3>

<p>Our Site may contain interactive features ("Interactive Services") that allow users to post, submit, publish, display, or transmit content or materials ("User Contributions"). Any User Contribution you post to the Site will be considered non-confidential and non-proprietary.</p>

<h3>3.2 License Grant</h3>

<p>By providing any User Contribution on the Site, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns the right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material according to your account settings.</p>

<h3>3.3 Representations and Warranties</h3>

<p>You represent and warrant that:</p>
<ul>
    <li>You own or control all rights in and to your User Contributions and have the right to grant the license granted above</li>
    <li>All of your User Contributions do and will comply with these Terms</li>
    <li>Your User Contributions are not false, inaccurate, or misleading</li>
    <li>Your User Contributions do not violate any applicable law, regulation, or third-party right</li>
</ul>

<h3>3.4 Monitoring and Enforcement</h3>

<p>We have the right to:</p>
<ul>
    <li>Remove or refuse to post any User Contributions for any or no reason</li>
    <li>Take any action with respect to any User Contribution that we deem necessary or appropriate in our sole discretion</li>
    <li>Disclose your identity or other information about you to any third party who claims that material posted by you violates their rights</li>
    <li>Take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Site</li>
    <li>Terminate or suspend your access to all or part of the Site for any violation of these Terms</li>
</ul>

<h2>4. Third-Party Links and Content</h2>

<h3>4.1 Third-Party Links</h3>

<p>The Site may contain links to third-party websites or resources that are not owned or controlled by CreditUnionAdvisor. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or resources. We are not responsible or liable for any loss or damage caused by or in connection with your use of or reliance on any such content, goods, or services available on or through any such third-party websites or resources.</p>

<h3>4.2 Credit Union Information</h3>

<p>While we strive to provide accurate information about credit unions, we do not guarantee the accuracy, completeness, or reliability of any information, rates, or services offered by credit unions featured on our Site. The information we provide is for general informational purposes only and should not be considered financial or professional advice. We recommend that you verify all information directly with the credit union before making any decisions or taking any actions.</p>

<h2>5. Disclaimer of Warranties</h2>

<p>YOUR USE OF THE SITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE IS AT YOUR OWN RISK. THE SITE, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER CREDITUNIONADVISOR NOR ANY PERSON ASSOCIATED WITH CREDITUNIONADVISOR MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE SITE.</p>

<p>THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.</p>

<h2>6. Limitation of Liability</h2>

<p>IN NO EVENT WILL CREDITUNIONADVISOR, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE SITE OR SUCH OTHER WEBSITES, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.</p>

<p>THE FOREGOING DOES NOT AFFECT ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.</p>

<h2>7. Indemnification</h2>

<p>You agree to defend, indemnify, and hold harmless CreditUnionAdvisor, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site or Services.</p>

<h2>8. Changes to the Terms</h2>

<p>We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when we post them. Your continued use of the Site or Services following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.</p>

<h2>9. Governing Law and Jurisdiction</h2>

<p>These Terms and any dispute or claim arising out of or related to them, their subject matter or formation (in each case, including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the State of [State], without giving effect to any choice or conflict of law provision or rule. Any legal suit, action, or proceeding arising out of, or related to, these Terms or the Site or Services shall be instituted exclusively in the federal courts of the United States or the courts of the State of [State], although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms in your country of residence or any other relevant country.</p>

<h2>10. Waiver and Severability</h2>

<p>No waiver by CreditUnionAdvisor of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of CreditUnionAdvisor to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.</p>

<p>If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms will continue in full force and effect.</p>

<h2>11. Entire Agreement</h2>

<p>The Terms, our Privacy Policy, and any other terms and conditions referenced herein constitute the sole and entire agreement between you and CreditUnionAdvisor regarding the Site and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Site.</p>

<h2>12. Contact Information</h2>

<p>All feedback, comments, requests for technical support, and other communications relating to the Site should be directed to:</p>

<p>
CreditUnionAdvisor<br>
832 Wayne Orchard Lake<br>
Elliotton CT6 7HL<br>
Email: info@budgetscureview.com<br>
Phone: +448802693865
</p>