Terms of Use

1. Our Content Rights. Unless otherwise noted, all copyrights of Risk Based Lender, LLC are owned, controlled, or licensed by us and are protected by U.S. and international copyright laws. The compilation (meaning the collection, arrangement, and assembly) of all Contents on this Site is our exclusive property and is also protected by U.S. and international copyright laws. We expressly reserve all intellectual property rights in all Risk Based Lender, LLC:  text; programs; products; processes; technology; content; and other materials which appear on this Site. Access to this Site does not confer, and shall not be considered as conferring, upon anyone any license under any of our intellectual property rights.
2. Privacy:  We take every reasonable precaution to protect our user's personal information.  Any personal information that is submitted to or through this website will be protected both online and off-line.  No information you provide will be disclosed to any other individual or company.
3. No Warranties. This Site is provided to you on an “as is” basis without any warranties of any kind, whether express or implied. To the extent permissible under applicable law, we hereby disclaim all warranties, express or implied, including but not limited to, warranties of merchantability, fitness for a particular purpose, title and non-infringement. We do not warrant that the materials on our Site will be error-free, that defects will be corrected or that our Site or its servers are free of viruses or other harmful components. We do not warrant or make any representations regarding the use of the materials on our Site with respect to their accuracy or reliability. In addition, we make no representations, warranties, or guarantees that our Site will be secure, accessible continuously and without interruption.
4. Links to Other Sites. We may provide links from our Site as a convenience to our visitors. We have no control over the content posted at those linked sites, all of which have separate terms of use and privacy policies. We make no representations about the accuracy or contents of any material available thereon. Links to the third party sites are not intended to, and do not imply affiliation with or sponsorship or endorsement of, these third parties.
5. Limitations on Use. Users are prohibited from violating or attempting to violate the security of the Site, including, without limitation, (a) accessing data not intended for such user or logging onto a server or an account which the user is not authorized to access; (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization; (c) attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus to the Site, overloading, “flooding”, “spamming”, “mailbombing” or “crashing”; or (d) sending unsolicited email, including promotions and/or advertising of products or services. Violations of system or network security may result in civil or criminal liability. We will investigate occurrences that may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of this Site or any activity being conducted on this Site. You agree, further, not to use or attempt to use any engine, software, tool, agent or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search this Site other than the search engine and search agents available on this Site and other than generally available third party web browsers (e.g., Netscape Navigator, Microsoft Explorer).
6. Third Party Sites. We have not reviewed all the third party sites linked to or framing this website and are not responsible for the contents of any pages contained on such third party sites. By entering this Site you agree that we are not responsible for the content of any pages of such third party sites. We do not make any representations or warranties as to the security of any information (including, without limitation, credit card and other personal information) you may have or might be requested to give to any third party, and you hereby irrevocably waive any claim against us with respect to such third party sites and their content. Your linking to any other pages connected to other sites is at your own risk.
7. Limitation on Liability. We do not accept any liability for any conduct, acts or omissions occurring at this Site. Under no circumstances will we be liable to you for any consequential, incidental or special damages, including any lost profits, even if you claim to have notified us about such damages, or for any claims by any third parties.
8. Indemnity/Jurisdiction. You agree to indemnify, defend, and hold us harmless, at your own expense, from and against any liability, fees (including attorney's fees) and/or costs arising out of or relating to any breach or violation of the Terms of Use by you. You agree that jurisdiction over and venue in any legal proceeding directly or indirectly arising out of or relating to the Terms of Use or the ownership, operation or maintenance of this Site shall be resolved exclusively in the appropriate state or federal court in Albany County, New York, where subject matter jurisdiction is proper. All such disputes shall be governed by and construed in accordance with the laws of the State of New York.
9. Amendments. You agree that we may modify or add to these Terms of Use at our sole discretion, without notice to you, and that your right to access this Site is conditioned upon your compliance with the most current version of these Terms of Use.
10. Entire Agreement. These Terms of Use, the Privacy & Security Policy, and any other terms and conditions posted by us on this Site constitute the entire agreement between you and us (“Agreement”) relating to your access to and use of this Site and supersede any prior or contemporaneous representations or agreements. The Agreement shall govern our respective legal rights and obligations. Any rights not otherwise expressly granted by the Agreement are reserved by us.
11. Termination. We may terminate your use of the Site or any services made available at the Site at any time, with or without cause. The agreement formed by these Terms of Use may be terminated by either party without notice or cause at any time. You agree not to access or use this Site for any reason after this agreement is terminated or if you do not agree to these Terms of Use.
12. Invalidity. If any provision of these Terms of Use is deemed invalid or for some reason unenforceable, then that provision shall be deemed severable from these Terms of Use and shall not in any way affect the validity or enforceability of the remainder of these Terms of Use not deemed invalid or unenforceable.