1. General Information.
1.1. Changes. The Web Site is provided by Meridian Trust, LLC of America, Inc. (“Meridian Trust, LLC”). Meridian Trust, LLC reserves the right, at its discretion, to change the terms of this Agreement and/or change, suspend, discontinue or modify any aspect of the Web Site. Such modifications may include, without limitation, changes in content, in user priorities, and discontinuance of functional aspects of the Web Site.
1.2. Notices of Changes. Any notice or statement of changes/modifications described in Section 1.1 above will be displayed online, and any such display shall constitute effective notice under this Agreement for all purposes. You agree to review the terms and conditions of this Agreement periodically to be aware of such revisions. Additionally, your continued use of the Web Site after the posting of any notice of a change in the terms and conditions shall constitute your acceptance to be bound by the express terms of any such changes.
2. The Service Area.
2.1. The “Service Area” shall mean all areas and aspects of the Service including, without limitation, text, data, photos, graphics and/or video or any information whatsoever obtained through the Web Site (collectively referred to herein as “Information”), Meridian Trust, LLC’s computers or network and any subscription or software, product, service, or information provided by Meridian Trust, LLC. Meridian Trust, LLC has entered into contractual relationships with certain vendors, sponsors, and advertisers of products or services (the “Vendors”), pursuant to which Meridian Trust, LLC may link to or display Information, advertisements, discounts, products, goods, or services offered by the Vendors. Meridian Trust, LLC does not guarantee the availability or accuracy of any such Vendor Information or offers, nor does it endorse, guarantee nor insure any Vendor products or services.
2.2. Meridian Trust, LLC shall not be held liable, directly or indirectly, for any loss or damage caused by your use of: (a) any external site linked to the Service, (b) Vendor Information, or (c) Vendor products or services. Statements made on the Service Area concerning the products or services of Meridian Trust, LLC do not constitute an offer, but are merely solicitations of an offer.
3. Limitations on use and user submissions.
3.1. Copyright, Patent and Trademark Notice. All content of the Web Site provided by Meridian Trust, LLC, including, but not limited to, all text, photos, graphics, audio, software, presentations in any format and/or video is copyrighted by Meridian Trust, LLC of America, Inc., or its affiliates or subsidiaries. Copyright © 2016 Meridian Trust, LLC of America, Inc. All rights reserved.Meridian Trust, LLC, and its associated logos, page headers, custom graphics, buttons, and other icons are service marks, trademarks, registered service marks, registered trademarks, and/or trade dress of Meridian Trust, LLC. All other content product names and company logos are trademarks of their respective owners. Neither these materials, nor any portion thereof, may be stored in a computer except as reasonably necessary for personal and non-commercial use; however, any print out of any page of the Web Site or portion thereof, must include Meridian Trust, LLC’ copyright notice.
3.2. Notice of Copyright Infringement. Meridian Trust, LLC respects the copyrights of others.
3.3. Restricted Use of the Site. You agree to use the Service Area and Information for lawful purposes only. You agree not to post or transmit any information through the Service Area which: (a) infringes the rights of others or violates their privacy or publicity rights, (b) is unlawful, threatening, abusive, defamatory, libelous, vulgar, obscene, profane, indecent or otherwise objectionable, or (c) is protected by patent, copyright, trademark or other proprietary right without the express permission of the owner of such right. You shall be solely liable for any damages resulting from any infringement of patent, copyright, trademark or other proprietary rights, or any other harm resulting from your use of the Service.
3.4. Your Submission of Messages. You hereby grant to Meridian Trust, LLC a worldwide, royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, display and use for any purpose all messages or other materials posted by you on the Service or any e-mail sent by you to Meridian Trust, LLC (in whole or in part) and to incorporate any such messages or other materials or e-mails in any form, into other media or technology whether now known or hereafter developed.
3.5. Public messages. All electronic forums made available to users of the Service are the sole property of Meridian Trust, LLC and are not a public forum. You understand and acknowledge that all information, data, files, software, music, sound, photographs, graphics, video, messages or other materials posted by any person or entity other than Meridian Trust, LLC (“Third-Party Content”), whether publicly posted or privately transmitted, are the sole responsibility of the person from which such Third-Party Content originated. You assume total liability for all Third-Party Content that you upload, post, email or otherwise transmit via the Service. Meridian Trust, LLC assumes no liability for any such Third-Party Content. You agree not to use the Service to:
- Upload, post, e-mail or otherwise transmit any Third-Party Content that is unlawful, harmful, threateni ng, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, or hateful, or is racially, ethnically or otherwise objectionable; harm minors in any way.
- Impersonate any person or entity, including, but not limited to, an official or representative of Meridian Trust, LLC, or falsely state or otherwise misrepresent your affiliation with a person or entity.
- Forge headers or otherwise manipulate identifiers to disguise the origin of any Content transmitted through the Service.
- Upload, post, e-mail or otherwise transmit any Third-Party Content that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements).
- Upload, post, e-mail or otherwise transmit any Third-Party Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party.
- Upload, post, e-mail or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation.
- Upload, post, e-mail or otherwise transmit any material 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 or network.
- Disrupt the normal flow of dialogue, cause a screen to “scroll” faster than other users of the Service are able to type, or otherwise act in a manner that negatively affects other users’ ability to engage in real time exchanges.
- Interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service.
- Intentionally or unintentionally violate any applicable local, state, national or international law, including, but not limited to, regulations promulgated by the U.S. Securities and Exchange Commission, any rules of any national or other securities exchange, including, without limitation, the New York Stock Exchange, the American Stock Exchange or the NASDAQ, and any regulations having the force of law.
- “Stalk” or otherwise harass another.
- Collect or store personal data about other users.
You acknowledge and agree that Meridian Trust, LLC may preserve Third-Party Content and may also disclose Third-Party Content if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce this Agreement; (c) respond to claims that any Third-Party Content violates the rights of other third-parties; or (d) protect the rights, property, or personal safety of Meridian Trust, LLC, its users, or the public.
You agree to allow Meridian Trust, LLC to access advertising data for tracking within the site using Google Analytics or similar.
4. Access and delays in services.
Meridian Trust, LLC, its affiliates, subsidiaries, and Vendors shall have no responsibility to provide you access to the Web Site. Further, Meridian Trust, LLC, its affiliates, subsidiaries, and Vendors shall not be liable to you for any loss or liability resulting, directly or indirectly, from delays, inaccuracies, errors, omissions or interruptions of the Service for any reason, including, without limitation, due to electronic or mechanical equipment failures, telephone interconnect problems, defects, weather, strikes, walkouts, fire, acts of God, riots, armed conflicts, acts of war, acts of terrorism, or to other like causes.
5. Monitoring of site.
You acknowledge that Meridian Trust, LLC reserves the right to, and may from time to time, monitor for all lawful purposes any and all Third-Party Content transmitted or received through the Service. During monitoring, information may be examined, recorded, copied, and used for authorized purposes. All Third-Party Content, including personal information, placed on or sent over the Service may be monitored. Use of the Service, authorized or unauthorized, constitutes consent to such monitoring and to the other terms of this Agreement.
6. Representations, warranties and limitation of liability.
6.1. General Disclaimer and Limited Warranty. You acknowledge that certain aspects of the Information and/or Vendor Information and links provided through the Web Site are compiled from sources which may be beyond the control of Meridian Trust, LLC. Though such Information and links are recognized by the parties to be generally reliable, the parties acknowledge that inaccuracies may occur. Meridian Trust, LLC, its licensors and Vendors do not warrant the accuracy or suitability of any such Information. Neither Meridian Trust, LLC nor its licensors or Vendors represent or endorse the accuracy or reliability of the Information distributed through the Service.
For this reason, you acknowledge that the web site is provided to you on an “as is with all faults basis.” meridian trust, llc and its licensors and vendors expressly disclaim any and all warranties, whether express, oral, implied, statutory or otherwise, including any implied warranty of merchantability,fitness for a particular purpose, title, non-infringement, or any warranties arising by virtue of custom of trade or course of dealing. Further, meridian trust, llc and its licensors and vendors neither represent nor warrant that the web site will meet your requirements or is suitable for your needs or will achieve any desired result.
6.2. You assume all risk of errors and/or omissions in the Web Site, including the transmission or translation of data. You assume full responsibility for implementing sufficient procedures and checks to satisfy your requirements for the accuracy and suitability of the Web Site, including the Information, and for maintaining any means which you may require for the reconstruction of lost data or subsequent manipulations or analyses of the Information provided under this Agreement.
6.3. Viruses. You acknowledge and agree that meridian trust, llc uses reasonable efforts to assure that no viruses or programs with similar functions operate on, or are passed through, the web site or the information. However, you hereby assume all responsibility (and thereby hold meridian trust, llc harmless), by whatever means you deem most appropriate for your needs, for detecting and eradicating any virus or program with a similar function.
6.4. Limitation of liability. You agree that meridian trust, llc and its affiliates, subsidiaries, and vendors shall not in any event be liable for any special, incidental or consequential damages arising out of the use or inability to use the service for any purpose whatsoever.
6.5. Ftc notice. Some states do not allow limitations on how long an implied warranty lasts, so the above limitation may not apply to you. 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. This warranty gives you specific legal rights, and you may also have other rights which vary from state to state.
You shall release, discharge, and relinquish, defend indemnify and hold harmless meridian trust, llc and its affiliates, subsidiaries, and vendors, and each of their members, shareholders, directors, employees, agents, representatives, vendors, and contractors of whatever tier (collectively, the indemnitees) from and against all loss, claims, demands and causes of action of whatever kind or character, including without limitation costs, attorneys’ fees and expenses incurred in connection with any claim brought by any person(s) or entity(ies) arising from, in connection with, or relating to, your access and use of the web site, including your use of the information obtained through the web site. The obligations to release, defend and to indemnify contained in this section shall apply even if caused, in whole or in part, by the joint, sole, gross or concurrent negligence, strict liability, contractual liabilities of third parties, Or other fault, whether passive or active, of any person or entity, including but not limited to the indemnitees, jointly or severally. You shall cooperate as fully as reasonably required in the defense of any such claim.
8.1. Privacy. Records of your use of the Web Site is the sole property of Meridian Trust, LLC and is protected by and subject to the U.S. Electronic Communications Privacy Act, as amended, or any successor statute. Meridian Trust, LLC reserves the right to use such information for its marketing, franchising and membership endeavors. Your personally identifying information will not be shared with any third party, with the following exceptions:
- Information that Meridian Trust, LLC in good faith determines is legally required to be revealed by any relevant statute, regulation, ordinance, rule, administrative or court order, decree, or subpoena.
- Information revealed during the course of Meridian Trust, LLC’s enforcement of the policies and procedures of the Web Site, the terms of this Agreement, or during the course of any disciplinary actions.
- Information in a manner expressly permitted by the provisions of this section 8.
- Information that Meridian Trust, LLC in good faith determines must be disclosed to correct what it believes to be false or misleading information or to address activities that Meridian Trust, LLC believes to be anipulative, deceptive or otherwise a violation of law.
- Unless you are otherwise notified at the time we collect the data. Note also, your electronic mail address may become public when you participate in Web Site electronic forums.
8.2. Privacy of Minors. Protecting the privacy of children is especially important. Meridian Trust, LLC does not knowingly collect information about children and will delete any such information that it discovers or is made aware of.
8.3. Nonpublic Personal Information. “Nonpublic Personal Information” is the nonpublic information about you that is obtained from you in connection with providing you a financial product or service such as a loan or mortgage. Meridian Trust, LLC and its advertisers may collect nonpublic personal information from the online forms you complete in order to obtain the financial product or service, from information collected as a result of your transactions with Meridian Trust, LLC, our advertisers or others, and from consumer reporting agencies.
Meridian Trust, LLC will not disclose any nonpublic personal information about our current or former customers and consumers to anyone, except as permitted or required by law, or as described below.
We may disclose all of the information we collect about you to our affiliates who offer related goods and services, and to nonaffiliated third parties that perform services on our behalf, including marketing services, or other financial institutions with whom we have joint marketing agreements.
We have procedures in place that limit access to nonpublic personal information to those employees and other individuals who need to know such information to provide products and services to you. We will maintain physical, electronic, and procedural safeguards to protect the confidentiality of your nonpublic personal information as required by law.
9. Unsolicited e-mail and direct marketing.
9.2. Electronic Direct Marketing Programs.
Meridian Trust, LLC may develop and participate in electronic direct marketing to users of the Web Site who elect to receive electronic mail of specific interest to them. In keeping with this Agreement, Meridian Trust, LLC does not forward the names and addresses (electronic or otherwise) to third parties. Advertisers who participate in Meridian Trust, LLC’ electronic direct marketing programs identify the category of users who would most likely be interested in their goods and services. Meridian Trust, LLC then forwards the advertisements to users who have elected to receive that category of electronic mail. Users may elect to not receive similar electronic mail by requesting that their e-mail address be removed from the mailing list by selecting the appropriate option included with each e-mail advertisement sent by Meridian Trust, LLC. In addition, users may select to be removed from such lists at any time by sending a message to the System administrator at email@example.com
9.3. Reporting SPAM.
Users who receive SPAM or any threatening or offensive e-mail through the Services may report it to Meridian Trust, LLC by forwarding the unedited message with the full message header to firstname.lastname@example.org.
9.4. Reservation of Rights.
Meridian Trust, LLC reserves the right to take all legal or technical steps that it deems necessary to prevent the broadcast, distribution, transmission, or retransmission over the Service of SPAM, junk e-mail, threatening or offensive e-mail, or e-mail otherwise determined by Meridian Trust, LLC, in its sole discretion, to be objectionable. Meridian Trust, LLC reserves the right to suspend or terminate any person or entity’s use of or access to the Service if it determines, in its sole and absolute discretion, such person has used or intends to use the Service in violation of this policy. A failure of Meridian Trust, LLC to exercise any right provided for herein shall not be deemed to be a waiver of such right.
10.1. Governing Law; Limitations; Venue.
The laws of the State of Florida, excluding any rule or principle that would refer to and apply the substantive law of another state or jurisdiction, shall govern this Agreement. To the extent allowed by applicable law, any claims or causes of action arising from or relating to your access and use of the Service as contemplated by this Agreement must be instituted within two (2) years from the date upon which such claim or cause arose. Further, any such claim or cause of action shall be brought EXCLUSIVELY in the state or federal courts located in Broward County, Florida and you agree to submit to the exclusive personal jurisdiction of such courts and hereby appoint the Secretary of State of Florida as your agent for service of process. You agree to waive any objection that the state or federal courts of Broward County, Florida, are an inconvenient forum.
You may not assign any of your rights, obligations, privileges, or performance hereunder without the prior written consent of Meridian Trust, LLC. Any assignment other than as provided for in this Section 10.2 shall be null and void.
If any provision of this Agreement is found to be unlawful or unenforceable in any respect, the court shall reform such provision so as to render it enforceable (or, if it is not possible to reform such provision so as to make it enforceable, then delete such provision); and, as so reformed or modified, fully enforce this Agreement.
10.4. U.S. Government Restricted Rights; Export.
The materials on the Web Site are provided with “RESTRICTED RIGHTS.” Use, duplication or disclosure by the Government is subject to restrictions as set forth in applicable laws and regulations. Use of the materials by the Government constitutes acknowledgement of Meridian Trust, LLC’ proprietary rights in them. You may not use or export the Information or any other materials in this Web Site in violation of U.S. export laws and regulations.
Any rights not expressly granted herein are reserved by meridian trust, llc.