R&T Deposit Solutions
Website Terms of Use
(Updated: October 28, 2024)
1. Acceptance of the Terms of Use
These Website Terms of Use (together with any documents expressly incorporated herein by reference) (“Terms of Use”) sets forth the terms and conditions under which Reich & Tang Deposit Networks, LLC, Reich & Tang Deposit Solutions, LLC and Total Deposit Solutions, LLC (each, d/b/a R&T Deposit Solutions) and Stable Custody Group II LLC, each a Delaware limited liability company, and their affiliates (together, “R&T”, “us” or “we”) allows access and use of the website at www.rnt.com, including any information, graphics, content, documents, materials, functionality and services available or offered on or through www.rnt.com (the “Website“). Your (“you” or “your”) access to and use of the Website are governed by the version of the Terms of Use in effect on the date the Website is accessed by you.
Please read these Terms of Use carefully before you start to use the Website. By using the Website, you will be deemed to acknowledge, accept and agree to be bound and abide by these Terms of Use, our Legal Disclosures (https://rnt.com/disclosure/) (“Legal Disclosures”) and our Privacy Policy (https://rnt.com/privacy-policy/) (“Privacy Policy”) incorporated herein by reference. If you do not agree to be bound by these Terms of Use, Legal Disclosures, or our Privacy Policy, you must not access or use the Website.
R&T may offer or provide services from or through the Website under additional terms of use (each an “Additional Service”), such as access to the R&T Portals (as defined below). You may be asked to execute or agree to additional terms of use in paper or electronic form before you are permitted to access or use an Additional Service (each, a “Supplemental Agreement”), which will govern your use of the Additional Services. In the case of Supplemental Agreements presented to you online through the Website or a R&T Portal, you hereby authorize R&T to rely upon “checks” or “clicks” in designated locations that are attributable to your password or authorization codes as your consent to the terms of such Supplemental Agreements. The terms of any Supplemental Agreement are specific to any Additional Service provided in connection with such Supplemental Agreement.
Your use of the services on this Website may be monitored by us, and the resultant information may be used by us for our internal business purposes or in accordance with the rules of any applicable regulatory or self-regulatory organization.
2. Authorized Use of Website
You access and use the Website at your sole risk. In accessing and using the Website, you represent and warrant that you will only use the Website and the corresponding services in compliance with and as permitted by applicable law and regulation and only for your personal non-commercial use to gain information about the possibility of using services described on the Website (“Authorized Purpose”). You further represent and warrant that all information you provide on the Website is correct, current, and complete.
Solely for the Authorized Purpose: (i) your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials; (ii) you may store files that are automatically cached by your Web browser for display enhancement purposes; (iii) you may print one copy of a reasonable number of pages of the Website solely for your own personal, non-commercial use and not for further reproduction, publication, or distribution.
This Website is only offered and available to users who are 18 years of age or older. By using this Website, you represent and warrant that you are of legal age to form a binding contract with R&T. If you do not meet all of these requirements, you must not access or use the Website.
3. Limits on Use of Website
You may only use the Website and the services made available on the Website as set forth in these Terms of Use and we reserve the right to suspend, terminate, or limit your use of the Website or to make the Website unavailable for any reason or no reason.
You must not use the Website (i) in any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries); (ii) for the purpose of exploiting, harming, or attempting to exploit or harm others in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise; (iii) to transmit, or procure the sending of, any advertising or promotional material, including any “junk mail,” “chain letter,” “spam,” or any other similar solicitation; (iv) to impersonate or attempt to impersonate R&T, a R&T employee, another user, or any other person or entity (including, without limitation, by using email addresses or screen names associated with any of the foregoing); or (v) to engage in any other conduct that restricts or inhibits anyone’s use of the Website, or which, as determined by us, may harm R&T or users of the Website, or expose them to liability.
You must not (i) access or use for any commercial purposes any part of the Website or any services or materials available through the Website; (ii) modify copies of any materials from the Website; (iii) use any text, illustrations, photographs, video or audio sequences, or any graphics on the Website without our express prior written consent; (iv) delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from the Website; or (v) broadcast, decompile, disassemble, perform, publish, rent, reproduce, reverse engineer, sell, transmit, or create derivative works from all or any part of the Website or the content on the Website, or permit any person to perform any act relating to the Website not authorized by these Terms of Use; provided that nothing in this paragraph restricts a Client (defined below) from using R&T sample or approved marketing materials obtained through a R&T Portal (as defined in Section 10 of these Terms of Use) or otherwise from R&T in accordance with applicable law and regulation and the written agreement entered into between R&T and such Client.
Additionally, you agree not to: (i) use the Website in any manner that could disable, overburden, damage, or impair the Website or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website; (ii) use any robot, spider, or other automatic device, process, or means to access the Website for any purpose other than the Authorized Purpose, including monitoring or copying any of the material on the Website; (iii) use any manual process to monitor or copy any of the material on the Website, or for any other purpose not expressly authorized in these Terms of Use, without our prior written consent; (iv) use any device, software, or routine that interferes with the proper working of the Website; (v) introduce any viruses, Trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful; (vi) attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website (or R&T Portals), the server on which the Website is stored, or any server, computer, or database connected to the Website; (vii) attack the Website via a denial-of-service attack or a distributed denial-of-service attack; or (viii) otherwise attempt to interfere with the proper working of the Website, including in any manner (A) that could damage or overburden our server(s) or any network connected to any of our servers or (B) that would or does interfere with another party’s use of the Website. You also may not perform any vulnerability or penetration testing of the Website network or systems, including through your own hosted environment, without R&T’s prior written consent.
In using the Website, you may not interfere with R&T’s business or our ability to provide services to its Clients, nor take any action nor make any use of the Website that places excessive burdens on the network or systems used to provide the Website. Specifically, you may not use or provide open proxies or Internet Relay Chat or use the Website for video streaming.
If you use the Website or the corresponding services in breach of the Terms of Use, as determined in our sole discretion, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by R&T. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark, and other laws. If you wish to make any use of material on the Website other than that set out in Section 2 and this Section 3, please address your request to: info@rnt.com
4. Availability of Website
R&T makes no representation, warranty, or covenant that the Website will be available at all times or at any time. Various circumstances may prevent or delay availability of the Website. R&T may, at any time, in its sole discretion and without notice, discontinue the Website, in whole or in part, or suspend your access to the Website, or withdraw or change any service or material available through the Website, for any reason or no reason. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users of R&T Portals (as defined below).
You are solely responsible for (i) making all arrangements necessary for you to have access to the Website and (ii) ensuring that all persons who access the Website through your internet connection are aware of these Terms of Use and comply with them.
5. Ownership of Website and Contents
All right, title and interest in the Website and its contents, features, functionality or other materials (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, arrangement and look and feel thereof) are the exclusive property of R&T, its licensors, or other providers of such material, and you have no rights in the Website or such materials. The Website and such materials are protected by United States and/or international copyright, trademark, patent, and other intellectual property or proprietary rights laws.
These Terms of Use permit you to use the Website for your personal, non-commercial use only, subject to these Terms of 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 Website, except for an Authorized Use and in accordance with these Terms of Use.
6. Reliance on Information Posted
The information presented on or through the Website is made available solely for general information purposes (for your convenience and information only) and is not intended as an offer or solicitation for the purchase of any service, deposit, account, stock, any other security or any financial instrument or to provide any investment service or investment advice in any jurisdiction. We do not represent or warrant the accuracy, completeness, or usefulness of any information on this Website. Please seek the advice of professionals as necessary regarding the evaluation of any content on the Website. Any reliance you place on such information is strictly at your own risk. There may be errors or omissions in the Website, and R&T reserves the right, but will not be required, to correct any errors or omissions. R&T will not be responsible for any loss, cost, damage, or liability that may result from any loss or delay of availability, any suspension of access, or any errors or omissions. In addition, R&T will not be responsible for the accuracy, completeness, or timeliness of the Website (including any content on it) or for the results obtained from its use. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.
7. R&T’s Services
R&T offers and provides administrative, recordkeeping, agency and/or other services to its clients, which are banks, credit unions, trust companies, broker-dealers and other institutions (each a “Client”). R&T does not offer or provide products, programs or services to consumers or to any customers of R&T’s Clients (“Customers”). The services offered by R&T are only available to Clients that are located in the United States of America. References on the Website to programs administered by R&T or to R&T’s services should not be considered a solicitation to buy products or services or an offer to sell products or services to any person. Information provided on the Website regarding such programs and services is not intended to take the place of the written agreements and disclosures governing those programs and services. Eligibility for certain programs and services may vary. Additionally, these Terms of Use do not take the place of any legally required disclosures for any programs administered by R&T that are offered by our Clients to their eligible Customers.
Visit https://rnt.com/disclosure/ for additional legal disclosures. All of our services described on or through our Website are subject to those Legal Disclosures.
IMPORTANT LEGAL DISCLOSURES
R&T is not an FDIC or NCUA-insured institution. FDIC and NCUA insurance only covers the failure of an FDIC or NCUA-insured institution, respectively. Certain conditions must be satisfied for FDIC and NCUA pass-through deposit insurance coverage to apply. Visit https://rnt.com/about/receiving-institution-lists/ for a list of the FDIC and NCUA-insured institutions with which R&T has a direct or indirect business relationship for the placement of deposits under the Demand Deposit Marketplace® (DDM®) program (“DDM Program”), Reich & Tang Insured Deposits program (“RTID Program”, and, when launched, the Certificate of Deposit Marketplace ExchangeSM (“CDMX”SM) program (each, a “Program”) administered by R&T and into which a participating institution Client may place deposits (subject to the terms of those Programs and any opt-outs by the participating institution Clients and/or its Customers). While the Programs provide access to an expanded level of FDIC or NCUA insurance coverage on funds placed into the Programs (subject to Program terms and applicable laws, regulations and guidance, including FDIC and NCUA pass-through insurance coverage requirements), the Programs themselves, as well as R&T’s other service offerings, are not insured or guaranteed by the FDIC or NCUA, are not deposits and may lose value in certain circumstances as described in the Program/service terms. R&T is not a division of the FDIC or NCUA, R&T is not associated with the FDIC or NCUA, and R&T is not insured by the FDIC or NCUA.”FDIC” means the Federal Deposit Insurance Corporation. “NCUA” means the National Credit Union Administration.
8. No Legal, Investment or Other Professional Advice
R&T does not offer or provide, and nothing in this Website shall constitute, any tax, accounting, investment, legal or other professional advice or recommendation. Nothing on this Website or otherwise constitutes an offer to sell or a solicitation of an offer to buy any security. Without limiting the foregoing, R&T does not offer or provide any professional, legal or investment advice or recommendation regarding the nature, potential value, or suitability of any particular program, product, service, transaction, investment strategy, or other course of action by a person, including any Client or Customer. Prior to the execution of any transaction by you involving information you receive from the Website or R&T, you should consult your financial, business, tax and accounting advisors and your attorney, with respect to the price, suitability, value, risk or other aspects of any product or service.
9. Forward Looking Statements
Certain information on the Website may contain certain forward-looking statements, which are subject to risks and uncertainties and speak only as of the date on which they are made. The words “believe,” “expect,” “anticipate,” “optimistic,” “intend,” “aim,” “will” or similar expressions are intended to identify forward-looking statements. You are cautioned not to place undue reliance on these forward-looking statements. Certain information on the Website also may contain certain past performance information, such as rates. Any rates shown are based on market conditions. Past performance is no guarantee of future results. Any dated information is published as of its date only. Dated and forward-looking statements speak only as of the date on which they are made. We undertake no obligation to update or revise any dated or forward-looking statements.
10. R&T Portals
R&T may permit use or access to website portals or platforms by its Clients and their authorized representatives (“Client Portals”). In addition, R&T may permit use or access to website portals or platforms by Customers who are duly authorized by Clients (the “Customer Portals” and together with the Client Portals, the “R&T Portals”). Access to any R&T Portal, including through the Website, is limited to duly authorized employees or representatives of our Clients that have entered into a written agreement with R&T and/or, if applicable, their authorized Customers, in each case who have been granted access to the R&T Portal. You may not obtain or attempt to obtain unauthorized access to a R&T Portal or any other protected materials or information through any means not intentionally made available by R&T for your specific use.
See our Legal Disclosures (https://rnt.com/disclosure/) for information about the terms and conditions that govern access and use of the R&T Portals.
11. Changes to the Website
We may update or change any contents on the Website from time to time, in our sole discretion and without notice. Any information provided is solely for your information and “AS IS” and “AS AVAILABLE” and we make no representation or warranty that the content on the Website is necessarily complete, accurate, fit for particular purpose, or up-to-date. The user bears full responsibility for all use of such information. Any of the material on the Website may be out of date at any given time, and we are under no obligation to update such material.
12. Linking to the Website and Social Media Features
You may include a link to our homepage on a third party site or social media account under your control, provided your use of such link does not violate applicable laws or regulation, the rights of any third party, or suggest any form of association, approval, or endorsement on our part without our express prior written consent. We reserve the right to immediately revoke this authorization for any reason or no reason effective upon written notice.
This Website may, from time to time, provide certain social media features that enable you to: (i) link from your own or certain third-party websites to certain content on this Website; (ii) send emails or other communications with certain content, or links to certain content, on this Website; or (iii) cause limited portions of content on this Website to be displayed or appear to be displayed on your own or certain third-party websites. You may use these features solely as they are provided by us. Subject to the foregoing, you must not: (A) establish a link from any website that is not owned by you; (B) cause the Website or portions of it to be displayed on, or appear to be displayed by, any other site, for example, framing, deep linking, or in-line linking; (C) link to any part of the Website other than the homepage; or (D) otherwise take any action with respect to the materials on this Website that is inconsistent with any other provision of these Terms of Use. You agree to cooperate with us in causing any unauthorized framing or linking immediately to stop. We reserve the right to withdraw linking permission without notice.
We may disable all or any social media features and any links at any time without notice in our sole discretion.
13. Links from the Website
If the Website contains links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to this Website, you do so entirely at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements and understand the privacy policies of the linked site. Such linked sites are subject to the terms and conditions of use for such site.
R&T makes no warranty or representation regarding, and does not endorse, nor is responsible for, any linked site, the information appearing thereon or any of the products or services described thereon. Linked sites may have a privacy policy different from R&T’s Privacy Policy and the linked site may provide less security than R&T’s sites. Links to linked sites do not imply that R&T sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked sit is authorized to use any trademark, trade name, logo, symbol or copyright of R&T.
14. User Contributions
The Website may contain message boards, chat rooms, personal web pages or profiles, forums, bulletin boards and other interactive features (collectively, “Interactive Services“) that allow users to post, submit, publish, display, or transmit to other users or other persons (hereinafter, “post“) content or materials (collectively, “User Contributions“) on or through the Website.
All User Contributions must comply with the Content Standards set out in Section 16 of these Terms of Use below. Any User Contribution you post to the site will be considered non-confidential. By providing any User Contribution on the Website, you grant us and our affiliates and service providers, and each of their and our respective licensees, successors, and assigns an irrevocable, non-exclusive, royalty-free right to use, reproduce, modify, perform, display, distribute, and otherwise disclose to third parties any such material for any purpose.
You represent and warrant that (i) you own or control all rights in and to the User Contributions and have the right to grant the license granted above; (ii) the User Contributions do not violate or infringe upon the rights of any third party; and (iii) all of your User Contributions do and will comply with these Terms of Use.
You understand and acknowledge that you are responsible for any User Contributions you submit or contribute, and you, not R&T, have full responsibility for such content, including its legality, reliability, accuracy, and appropriateness.
We are not responsible or liable to any third party for the content or accuracy of any User Contributions posted by you or any other user of the Website. If you believe any User Contribution incorporates any content that infringed your copyrights, please contact our Copyright Agent as set forth in Section 20.
15. User Contributions – Monitoring and Enforcement; Termination
We have the right to: (i) remove or refuse to post any User Contributions for any or no reason in our sole discretion; (ii) take any action with respect to any User Contribution that we deem necessary or appropriate in our sole discretion, including if we believe that such User Contribution violates the Terms of Use, including the Content Standards, infringes any intellectual property right or other right of any person or entity, threatens the personal safety of users of the Website or the public, or could create liability for R&T; (iii) disclose your identity or other information about you to any third party who claims that material posted by you violates their rights, including their intellectual property rights or their right to privacy; (iv) take appropriate legal action, including without limitation, referral to law enforcement, for any illegal or unauthorized use of the Website; and (v) terminate or suspend your access to all or part of the Website for any or no reason, including without limitation, any violation of these Terms of Use.
Without limiting the foregoing, we have the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Website. YOU WAIVE AND HOLD HARMLESS R&T AND ITS AFFILIATES, LICENSEES, AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY R&T OR ANY OF THE FOREGOING PARTIES DURING, OR TAKEN AS A CONSEQUENCE OF, INVESTIGATIONS BY EITHER R&T OR SUCH PARTIES OR LAW ENFORCEMENT AUTHORITIES.
However, we do not undertake to review all material before it is posted on the Website, and cannot ensure prompt removal of objectionable material after it has been posted. Accordingly, we assume no liability for any action or inaction regarding transmissions, communications, or content provided by any user or third party. We have no liability or responsibility to anyone for performance or nonperformance of the activities described in this section.
16. Content Standards
These content standards apply to any and all User Contributions and use of Interactive Services. User Contributions must in their entirety comply with all applicable federal, state, local, and international laws and regulations and these Terms of Use. Without limiting the foregoing, User Contributions must not: (i) contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable; (ii) promote sexually explicit or pornographic material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age; (iii) infringe any patent, trademark, trade secret, copyright, or other intellectual property or other rights of any other person; (iv) violate the legal rights (including the rights of publicity and privacy) of others or contain any material that could give rise to any civil or criminal liability under applicable laws or regulations or that otherwise may be in conflict with these Terms of Use and our Privacy Policy; (v) be likely to deceive any person; (vi) promote any illegal activity, or advocate, promote, or assist any unlawful act; (vii) cause annoyance, inconvenience, or needless anxiety or be likely to upset, embarrass, alarm, or annoy any other person; (viii) impersonate any person, or misrepresent your identity or affiliation with any person or organization; (ix) involve commercial activities or sales, such as contests, sweepstakes, and other sales promotions, barter, or advertising; or (x) give the impression that they emanate from or are endorsed by us or any other person or entity, if this is not the case.
17. Geographic Restrictions
The owner of the Website is based in the State of New York in the United States. We provide this Website for use only by persons located in the United States. We make no claims that the Website or any of its content is accessible or appropriate outside of the United States. Access to the Website may not be legal by certain persons or in certain countries. If you access the Website from outside the United States, you do so on your own initiative and are responsible for compliance with local laws. By the Website, you understand that information about you may be transferred to countries outside of your country of residence, including to the United States, which may have data protection rules that are different from those of your country.
18. Privacy & Collection of Your Information through Website
Your use of the Website shall be governed by our Privacy Policy (https://rnt.com/privacy-policy/) (as such Privacy Policy may be changed from time to time in accordance with its terms). The Website is NOT intended to be used by residents outside of the United States or users under the age of 18 years.
All information we collect on this Website is subject to our Privacy Policy. By using the Website, you consent to all actions taken by us with respect to your information as set forth in our Privacy Policy.
19. Trademarks
You must not use our marks without our express prior written consent. R&T®, Reich & Tang®, Demand Deposit Marketplace®, DDM ®, DepositView® and RTID® are registered marks of Reich & Tang Deposit Networks, LLC (d/b/a R&T Deposit Solutions). TBS Verify® and TBS Bank Monitor® are registered marks of Total Deposit Solutions, LLC (d/b/a R&T Deposit Solutions). RNTSSM, CDMXSM, R&T FusionSM and Fusion by R&TSM are pending marks of Reich & Tang Deposit Networks, LLC (d/b/a R&T Deposit Solutions). IDEASM and Certificate of Deposit Marketplace ExchangeSM are unregistered service marks of Reich & Tang Deposit Networks, LLC (d/b/a R&T Deposit Solutions). R&T also claims rights in certain other trademarks and service marks contained and displayed on the Website and R&T Portals.
All other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners. R&T makes no claim to such marks and does not endorse, support or recommend such goods or services.
20. DMCA Notice and Copyright Agent
If you believe that your work has been displayed on the Website in a way that constitutes copyright infringement, please forward the following information to our Copyright Agent, designated as such pursuant to the Digital Millennium Copyright Act, (“DMCA”) 17 U.S.C. § 512(c)(2), named below:
- Your address, telephone number, and email address;
- A description of the copyrighted work that you claim has been infringed;
- A description of where the alleged infringing material is located;
- A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
- An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; and
- A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or are authorized to act on the copyright owner’s behalf.
Copyright Agent:
Reich & Tang Deposit Networks, LLC (d/b/a R&T Deposit Solutions)
1370 Broadway, 17th Floor,
New York, NY 10018
Attn: General Counsel
Email: legal@rnt.com
21. Disclaimer of Warranties
THE WEBSITE, INCLUDING, WITHOUT LIMITATION, ALL SERVICES, FEATURES, CONTENT, FUNCTIONS AND MATERIALS PROVIDED THROUGH THE WEBSITE, ARE PROVIDED “AS IS,” “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, DATA PROCESSING SERVICES, UPTIME OR UNINTERRUPTED ACCESS, ANY WARRANTIES CONCERNING THE AVAILABILITY, PLAYABILITY, DISPLAYABILITY, ACCURACY, PRECISION, CORRECTNESS, THOROUGHNESS, COMPLETENESS, USEFULNESS, OR CONTENT OF INFORMATION, AND ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, AND WE HEREBY DISCLAIM ANY AND ALL SUCH WARRANTIES, EXPRESS AND IMPLIED. WE DO NOT WARRANT THAT THE WEBSITE, CONTENT, FUNCTIONS OR MATERIALS PROVIDED THROUGH THE WEBSITE WILL BE TIMELY, SECURE, UNINTERRUPTED OR ERROR FREE, OR THAT DEFECTS WILL BE CORRECTED. WE MAKE NO WARRANTY THAT THE WEBSITE WILL MEET USERS’ REQUIREMENTS. NO ADVICE, RESULTS OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE WEBSITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. WE AND OUR AFFILIATES ALSO ASSUME NO RESPONSIBILITY, AND SHALL NOT BE LIABLE FOR, ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR EQUIPMENT ON ACCOUNT OF YOUR ACCESS TO, USE OF, OR BROWSING IN THE WEBSITE OR YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO CONTENT, OR AUDIO CONTENT FROM THE WEBSITE. IF YOU ARE DISSATISFIED WITH THE WEBSITE, YOUR SOLE REMEDY IS TO DISCONTINUE USING THE WEBSITE.
WE TRY TO ENSURE THAT THE INFORMATION POSTED ON THE WEBSITE IS CORRECT AND UP-TO-DATE. WE RESERVE THE RIGHT TO CHANGE OR MAKE CORRECTIONS TO ANY OF THE INFORMATION PROVIDED ON THE WEBSITE AT ANY TIME AND WITHOUT ANY PRIOR WARNING. WE NEITHER ENDORSE NOR ARE RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT ON THE WEBSITE. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE OR OTHER CONTENT AVAILABLE THROUGH THE WEBSITE. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC INFORMATION, OPINION, ADVICE OR OTHER CONTENT, INCLUDING BUT NOT LIMITED TO FINANCIAL INFORMATION, OPINION, ADVICE OR OTHER CONTENT.
ThE WEBsite is for information purposes only and is not intended to be relied upon as a forecast, research or investment advice. Nothing contained on the WEBSite constitutes tax, accounting, regulatory, legal, insurance or investment advice. Neither the information, nor any opinion, contained on thE WEBSite constitutes a solicitation or offer to buy or sell any securities, futures, options or other financial instruments, nor shall any such security be offered or sold to any person in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under the securities laws of such jurisdiction. Decisions based on information contained on the WEBSite are the sole responsibility of the USER AND WE SHALL HAVE NO LIABILITY FOR DECISIONS BASED UPON, OR THE RESULTS OBTAINED FROM, THE CONTENT PROVIDED ON THE WEBSITE.
THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
22. Limitation on Liability
IN NO EVENT, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, SHALL WE, OUR AFFILIATES, OR ANY OF OUR OR ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTENT OR SERVICE PROVIDERS, SUCCESSORS OR ASSIGNS (COLLECTIVELY, THE “PROTECTED ENTITIES”) BE LIABLE FOR ANY CLAIMS, LIABILITIES, LOSSES, COSTS OR DAMAGES, INCLUDING DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING FROM, OR DIRECTLY OR INDIRECTLY RELATED TO, THE USE OF, OR THE INABILITY TO USE, THE WEBSITE OR THE CONTENT, FEATURES, MATERIALS AND FUNCTIONS OBTAINED THROUGH THE WEBSITE, YOUR PROVISION OF INFORMATION THROUGH THE WEBSITE, LOST BUSINESS OR LOST SALES, EVEN IF SUCH PROTECTED ENTITY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO CERTAIN USERS. IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF THE PROTECTED ENTITIES TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE OR OTHERWISE) ARISING FROM THE TERMS AND CONDITIONS OR YOUR USE OF THE WEBSITE EXCEED, IN THE AGGREGATE, THE AMOUNT, IF ANY, PAID BY YOU TO US FOR YOUR USE OF THE WEBSITE.
23. Indemnification
You agree to defend, indemnify, and hold harmless the Protected Entities from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to (i) your breach or violation of these Terms of Use or (ii) your use of the Website, including, but not limited to, the Website’s content, services, and products, other than as expressly authorized and in compliance with these Terms of Use. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with our defense of such claim.
24. Governing Law, Jurisdiction & Waiver of Jury Trial
All matters relating to the Website and these Terms of Use, and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of New York without giving effect to any choice or conflict of law provision or rule (whether of the State of New York or any other jurisdiction).
Any legal suit, action, or proceeding arising out of, or related to, these Terms of Use or the Website shall be instituted exclusively in the United States District Court for the Southern District of New York or any New York State court sitting in New York City. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts.
THE PARTIES KNOWINGLY, VOLUNTARILY, AND IRREVOCABLY WAIVE ALL RIGHTS TO TRIAL BY JURY IN ANY ACTION, PROCEEDING, OR CLAIM ARISING OUT OF THE WEBSITE, THESE TERMS OF USE, ANY DOCUMENT EXECUTED BY THE PARTIES IN CONNECTION WITH THESE TERMS OF USE, OR ANY TRANSACTION CONDUCTED HEREUNDER.
25. Limitation on Time to File Claims
ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THE WEBSITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.
26. Changes to Terms of Use
We may change or replace these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Website thereafter. However, any changes to the dispute resolution provisions set out in ‘Governing Law and Jurisdiction’ section above will not apply to any disputes for which the parties have actual notice on or before the date the change is posted on the Website.
Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page each time you access this Website so you are aware of any changes, as they are binding on you.
27. Waiver, Severability & Assignment
No waiver by R&T of any term or condition set out in these Terms of Use 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 R&T to assert a right or provision under these Terms of Use shall not constitute a waiver of such right or provision.
If any provision of these Terms of Use 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 of Use will continue in full force and effect.
You may not assign, sublicense, delegate, subcontract or otherwise transfer your rights, duties and obligations under these Terms of Use to a third party without our express prior written consent.
28. Entire Agreement
These Terms of Use, our Privacy Policy (https://rnt.com/privacy-policy/) and our Legal Disclosures (https://rnt.com/disclosure/) constitute the sole and entire agreement between you and R&T regarding the Website and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Website. To the extent of inconsistency between those documents (i) with respect to privacy-related matters, the order of precedence shall be our Privacy Policy, these Terms of Use and our Legal Disclosures and (ii) otherwise, the order of precedence shall be these Terms of Use, our Legal Disclosures and our Privacy Policy.
29. Your Comments and Questions
This Website is operated by Reich & Tang Deposit Networks, LLC (d/b/a R&T Deposit Solutions), located at 1370 Broadway, 17th Floor, New York, NY 10018.
All other feedback, comments, requests for technical support, and other communications relating to the Website should be directed to info@rnt.com
Copyright © 2024 Reich & Tang Deposit Networks, LLC (d/b/a R&T Deposit Solutions). All rights reserved.