Bancoli Terms of Use

Website Terms and Conditions

Arative Technologies LLC and its affiliates (collectively "Bancoli", "we", or "us") provide these Terms and Conditions of Use. Please read carefully. By accessing Bancoli's website and any pages thereof, you agree to be bound by the Terms and Conditions as set forth below.

Agreement

These Terms and Conditions constitute an agreement between you and Bancoli (the "Terms and Conditions") and shall govern your use of any website or webpage operated by Bancoli, including but not limited to www.bancoli.com (the "Website"), and all other sites to which this Website leads you to.

The Website is property of Bancoli and its licensors. Your use of the Website is conditioned on your acceptance without modification of these Terms and Conditions, and your use of the Website constitutes your acceptance of these Terms and Conditions. Bancoli reserves the right, at its sole discretion, to change, modify, add or remove portions of these Terms and Conditions, at any time.

Keep in mind, any Bancoli website may itself contain additional Terms and Conditions applicable to its users, including without limitation, particular features, conditions of use, penalties, incentives, rates and fees, if applicable. If any provision contained in these Terms and Conditions conflicts with any terms contained within any other Bancoli website(s), then these Terms and Conditions shall control.

Additionally, Bancoli products and services may have additional agreements and disclosures that shall govern your interaction with each product or service as is applicable to you. These Terms and Conditions in no way limit or affect your particular agreements for the products and services you have chosen to receive from Bancoli.

Property Rights, Publicity and Ideas

You recognize and agree that the content of this Website is property of Bancoli and is protected by copyrights, trademarks, trade dress, trade secrets and patents in accordance with applicable intellectual property laws and regulations. Such property includes but is not limited to, text, software, sounds, photographs, videos and any other content displayed within the Website.

Therefore, as a visitor of this page, you must abstain from publishing, retransmitting, commercializing and/or utilizing any of the content herein provided without previous authorization from Bancoli and you recognize that you are subject to penalties as set forth by both local and federal law.

You may maintain a copy of the content included within this Website solely for personal, non-commercial use, as reference; and without infringing any copyrights.

Bancoli and all logos related to our services are either trademarks, or registered marks of Bancoli or its licensors. Except to direct users to carry out transactions, the customers may not copy, imitate, or use such property without Bancoli's express prior written consent.

We may also identify our users as customers on all types of media channels and in our marketing materials, including the use of customer's logo and samples of customer's use of the services. Neither the customer nor Bancoli will imply any untrue sponsorship, endorsement, or affiliation between the customer and Bancoli. Nothing in these terms shall be deemed to restrict the parties' ability to conduct joint marketing, provided that any joint marketing materials are mutually agreed upon by the parties prior to use.

If you submit ideas to Bancoli, we will presume that the the submission was voluntary, unsolicited, and delivered to us without any restrictions or confidentiality obligations on Bancoli's use of the ideas.You hereby assign all right, title, and interest in and to any ideas whether or not the submitted ideas are protectable by intellectual property laws of the jurisdiction of you or Bancoli. You also agree that Bancoli has no fiduciary or any other obligation to you in connection with any ideas. We are free to use, copy, display, perform, distribute, modify and re-format the Ideas in any manner that we may determine, without any attribution or compensation to you.

Security Statement

Our application is scanned on a regular basis for security holes and known vulnerabilities in order to make our application as safe as possible. For more details concerning your privacy policy, read Bancoli's Privacy Policy.

For your protection, no matter what means you select, Bancoli will properly validate the identity of the client, before granting Access to their accounts. Our systems use firewalls, encryption and monitoring systems to protect your information.

Security is Everyone's Responsibility

Bancoli takes the safeguarding of your information seriously. In fact, we believe keeping your information secure is the responsibility of every employee. Please do not share your login or password with anyone. Any and all authorized or unauthorized use of your username and password will be your sole responsibility, and Bancoli will not be made responsible for such misusage.

Remember, none of our employees will request your password. Therefore, if you receive an email or a phone call requesting said information, you should restrain from disclosing it.

We recommend that you change your password regularly. Additionally, we may request for you to change it at any given period. If you believe that your password has been copied or stolen, change it and contact Bancoli as soon as possible. Please email us at [email protected].

Use of Information

Bancoli does not disclose any nonpublic personal information about our customers, former customers or visitors to the Website to anyone except as permitted by law. For more information regarding the disclosure of information, please review our Privacy Policy.

Additional Disclosures

We do not promise that the Website or any content, service or features of the Website will be error-free or uninterrupted, or that any defects will be corrected, or that your use of the Website will provide specific results. The Website and its content are delivered on an "as-is" and "as-available" basis and all information provided on the Website is subject to change without notice. We cannot ensure that any files or other data you download from the Website will be free of viruses or contamination or destructive features. Bancoli disclaims all warranties, express or implied, including any warranties of accuracy, warranties or conditions of merchantability, fitness for a particular purpose, workmanlike effort, accuracy, title, quiet enjoyment, no encumbrances, no liens and non-infringement. We disclaim any and all liability for the acts, omissions and conduct of any third parties in connection with or related to your use of the Website and/or any of our services.

You assume total responsibility for your use of the Website and any linked Websites. Your sole remedy against Bancoli for dissatisfaction with the Website or any content is to immediately stop using the Website or any such content. This limitation of relief is an essential part of the bargain between the parties. The above disclaimer applies to any damages, liability or injuries caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction of or unauthorized access to, alteration of, or use, whether for breach of contract, tort, negligence or any other cause of action. Bancoli reserves the right to do any of the following, at any time, without notice: (1) to modify or change the Website, or any portion of the Website, and any applicable policies or terms; (2) to modify, suspend or terminate operation of or access to the Website, or any portion of the Website, for any reason; and (3) to interrupt the operation of the Website, or any portion of the Website, as necessary to perform routine or non-routine maintenance, error correction, or other changes.

Third Party Disclosures

Our Website contains links to other websites of other companies or businesses, which may be provided as a courtesy and convenience for our customers and partners.

Bancoli does not sell, trade, or otherwise transfer to outside parties your personally identifiable information unless we provide you with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property, or safety.

However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Third Party Links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites. These companies or businesses as third parties may collect personal information from you when you visit their pages as stated in our Privacy Policy.

Local Regulatory Restrictions

This website can be accessed worldwide. The information provided is however only intended for use by any person in any country where such use would not be contrary to local law or regulation. None of the products and services referred to on this website is available to persons residing in any country where the provision of such services or investments would be contrary to local law or regulation. It is the sole responsibility of the recipient to ascertain the terms of and comply with any local law or regulation to which they are subjected. Any dispute related to the use of these pages will be settled by the arbitration laws of Austin, Texas.

Violation of these Terms and Conditions

We may disclose any information we have about you (including your identity) if we determine that such disclosure is necessary in connection with any investigation or complaint regarding your use of the Website, or to identify, contact or bring legal action against someone who may be causing injury to or interference with (either intentionally or unintentionally) Bancoli's rights or property, or the rights or property of visitors to or users of the Website, including Bancoli's customers. We always reserve the right to disclose any information that we deem necessary to comply with any applicable law, regulation, legal process or governmental request. We also may disclose your information when we determine that applicable law requires or permits such disclosure, including exchanging information with other companies and organizations for fraud protection purposes. You acknowledge and agree that we may preserve any transmittal or communication by you with us through the Website or any service offered on or through the Website, and may also disclose such data if required to do so by law or if we determine that such preservation or disclosure is reasonably necessary (1) to comply with legal process, (2) to enforce these Terms and Conditions, (3) to respond to claims that any such data violates the rights of others, or (4) to protect the rights, property or personal safety of us, its employees, users of or visitors to the Website, or the public. You agree that we may, in its sole discretion and without prior notice, terminate your access to the Website and/or block your future access to the Website if we determine that you have violated these Terms and Conditions or other agreements or guidelines which may be associated with your use of the Website or for other cause, which includes (but is not limited to) (1) requests by law enforcement or other government agencies, (2) a request by you (self-initiated account deletions), (3) discontinuance or material modification of the Website or any service offered on or through the Website, or (4) unexpected technical issues or problems.