CASCO FINANCIAL INC. TERMS & CONDITIONS | Effective February 1st, 2022
The following constitute the Terms and Conditions (the “Terms”) for users of this website and our online payment processing system available through cascofi.com as well as any other website page(s) that connect or link to these Terms (collectively, the “Site”) and any of our online forms and payment processing systems (collectively, the “Apps”) (the Apps and Site are referred to herein as the “Services”). As used in these Terms, “our,” “us,” and “we,” refers to CASCO Financial, Inc. and its financial institution subsidaries (collectively, “CASCOfi”) and the Terms, including any rights provided herein, inure to the benefit of the subsidaries and affiliates of CASCO Financial, Inc.
- I. CLIENT AND CUSTOMER SUPPORT
- II. PRIVACY INFORMATION
- IV. NO SOLICITATION
- V. UNAFFILIATE LINKS INFORMATION
- VI. INTELLECTUAL PROPERTY RIGHTS OF CASCO FINANCIAL
- VII. WARRANTIES AND REPRESENTATIONS
- VIII. INTELLECTUAL PROPERTY RIGHTS
- IX. LIMITATION OF ACCESS
- X. ADDITIONAL AGREEMENTS
- XI. GOVERNING LAW
- XII. SEVERABILITY
- XIII. HEADINGS
- XIV. AMENDMENTS
- XV. COMPLIANCE DISCLAIMERS
I. CLIENT AND CUSTOMER SUPPORT
CASCOfi prides itself on providing excellent client service and support. Please note, however, that the Services are not a subsitute channel for such services, products, and/or general questions. If you are a client and require assistance with any of your account(s) or our product(s) and service(s), please contact CASCOfi as directed below.
Telephone: (408) – 354 – 9777
Available Monday – Friday (8:00 AM – 5:00 PM PT)
II. PRIVACY INFORMATION
III. RULES AND CONDUCT
In using the Services, you agree to comply with these Terms, including the policies, regulations, and rules of CASCOfi, as well as all applicable laws, regulations, and rules. Furthermore, you agree that you will not under any circumstances:
- Attempt to gain unauthorized access to any accounts, computer systems, or networks through hacking, malware, password mining, phising, social engineering, or other means;
- Impersonate any entity, individual(s), or person(s), falsely state or otherwise misrepresent your affiliation with an individual or entity, or collect and/or store personal information about other user(s) of the Services;
- Inhibit or restrict any other entity, individual(s), or person(s) from using the Services, including (without limitation to) defacing or hacking any portion of the Services;
- Interrupt (or attempt to interrupt) the operation of the Services and/or the networks or servers used to make the Services available;
- Provide material resources and/or support (or conceal, disguise the location, nature, ownership, source of material resources or support) to any organization(s) designated by the United States Government as a foreign terrorist organization pursuant to Section 219 of the Immigration and Nationality Act. Reverse engineer, reverse assemble, modify, decompile, create derivative work(s), or otherwise attempt to derive the source code of the Services;
- Transmit (or otherwise make available in connection with the Services) any worm, virus, Trojan Horse, time bomb, spyware, Easter Egg, or other computer code, file or program that is (or deemed to be) harmful and/or invasive or is intended to damage, hijack the operation of, or to monitor (or limit the use of) any equipment, hardware, software, or Services in general;
- Use any information or material in a manner that infringes on copyright, patent, trade secret, trademark, or any other proprietary right of any party;
- Violate (intentionally or unintentionally) any applicable local, state, national or international law, these Terms, or any of the policies and procedures laid out by CASCOfi.
IV. NO SOLICITATION
Nothing contained within or on this Site is intended to constitute financial and/or tax advice. The information and materials within this Site are not intended as an offer or solicitation for the purchase of any financial instrument of CASCOfi, purchase of stock or any other security therein. No such comments or content made by CASCOfi, including its agents, employees, or any other user should be understood (or used) as the basis for any financial decision, including investment(s), nor should they be construed as advice, endorsements, fact, or recommendations.
Furthermore, in no event shall any reference to any third party, including third party product(s) or service(s), be construed as an approval, endorsement, fact, or guarantee by CASCOfi of that third party or any product(s) or service(s) offered by that particular third party.
V. UNAFFILIATE LINKS INFORMATION
Any unaffiliated links within the Site, directing to an external site, may be provided for the convenience of the user only. We do not control or review these sites nor does the provision of any link imply an association or endorsement of such non-CASCOfi sites (websites). We are not responsible for an make no representation or warranty regarding its security, contents, completeness, or accuracy of any information or materials within or represented on such sites. Should you decide to access such sites, then you do so at your own risk.
CASCOFI HEREBY DISCLAIMS ALL AND ANY LIABILITY FOR ANY INFORMATION, MATERIALS, PRODUCTS POSTED, OR SERVICES OFFERED AT ANY OF THE THIRD PARTY WEBPAGES OR WEBSITES (HEREIN AS “PLATFORMS”) LINKED TO THE SERVICES. BY CREATING A LINK TO A THIRD PARTY PLATFORM, CASCOFI DOES NOT ENDORSE OR RECOMMEND ANY PRODUCT(S) OR SERVICE(S) OFFERED, INCLUDING ANY INFORMATION OR MATERIALS CONTAINED OR REPRESENTED WITHIN SUCH PLATFORMS NOR IS CASCOFI LIABLE FOR ANY USE OF ANY INFORMATION AND/OR MATERIALS CONTAINED IN SUCH PLATFORMS, ANY FAILURE OF SUCH PRODUCT(S) OR SERVICE(S) ADVERTISED OR OFFERED ON SUCH PLATFORMS, NOR DOES CASCOFI WARRANT THAT SUCH PLATFORMS ARE FREE FROM ANY CLAIM(S) OF INFRINGEMENT OR DEVOID OF VIRUSES AND/OR OTHER CONTAMINATION. SUCH THIRD PARTY PLATFORMS MAY PROVIDE LESS SECURITY THAN THE CASCOFI PLATFORMS AND CASCOFI IS NOT LIABLE (DIRECTLY OR INDIRECTLY) FOR THE PRIVACY AND/OR SECURITY ON SUCH THIRD PARTY PLATFORMS.
VI. INTELLECTUAL PROPERTY RIGHTS OF CASCO FINANCIAL
CASCOfi (including our licensors and suppliers) own the information and material(s) available through the Services. Such information and materials may be protected by copyright, patent, trademark, and/or other proprietary laws and rights.
Copyrighted or trademarked material(s), including other subsequent intellectual property on the Services, including (and without limitation to) images of people and places except as otherwise expressly stated herein may not be used, transmitted, performed, distributed, or copied (for compensation or otherwise), stored for subsequent use, modified, licensed, framed, altered (in any way), removed, reverse engineered, or otherwise used (in whole or in part, in any manner) without explicit prior written consent by CASCOfi except to the extent permitted by applicable law and only then with such notices of proprietary rights by CASCOfi, provided that you may download information and print out hard copies for personal use, so long as you do not remove any copyright or other notice as may be contained in the information, as downloaded. Please be advised that any violation of such trademark, copyright, or other intellectual property rights, or any privacy or communication laws is your sole responsibility. CASCOfi will aggressively enforce its intellectual property rights to the fullest extent of the law (including and without limitation to) the seeking of criminal prosecution.
“CASCO Financial, Inc.,” “CASCOfi,” and the CASCO Financial, Inc. logos, colors, and combinations of the foregoing are trademarks of CASCO Financial, Inc. CASCOfi and any of its subsidaries also claim rights in certain other trademarks and service marks contained in the Services. Other featured symbols or words on the Services, used to identify the source of goods and services may be trademarks of their respective owners and shall not be replicated under any circumstance as enforced by applicable law.
VII. WARRANTIES AND REPRESENTATIONS
The information and materials contained within the Services are for informational purposes only. The use of such Services is at your sole risk. We use reasonable efforts and security meaures to include reliable information and materials, however CASCOfi makes no warranties or representations as to the accuracy, completeness, and timeliness of such information and materials, and expressly disclaims any liability for any errors or omissions contained within the Services.
Neither CASCOfi nor any other party involved in the creation, deliverance, or production of such Services is liable for any consequential, direct or indirect, incidential, or punitive damages arising out of access to, or use of the Services. Without limitation to the foregoing, everything within the Services is provided “AS IS,” “AS AVAILABLE,” and WITHOUT WARRANTY OF ANY KIND (EITHER EXPRESSED, IMPLIED OR STATUTORY) INCLUDING HOWEVER NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. Furthermore, CASCOfi will not be liable for any delay, difficulty in use, computer viruses, malicious code or other challenges or defect(s) in the Services, including any incompatibility between the Services and your browser, your files, and/or other services accessing programs or any other problems experienced by you due to your access to, browsing of, or use of the Services or downloading of any information or materials (if applicable).
UNDER NO CIRCUMSTANCES WILL CASCOFI BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY OR ANY CONSEQUENTIAL, INCIDENTIAL, INDIRECT, AND PUNITIVE EXEMPLARY DAMAGES ARISING OUT OF ANY INABILITY TO USE OR USE OF THE SERVICES INCLUDING ANY PORTION THEREOF, REGARDLESS OF WHETHER CASCOFI HAS BEEN APPRAISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURING AND REGARDLESS OF THE FORM OF ACTION WHETHER IN CONTRACT, STRICT LIABILITY, TORT, OR WARRANTY OR OTHERWISE.
Should you permit another entity or individual to access the Services on your behalf (or provide another individual or entity with information to access your information regardless of mobility or platform), you do so at your own and sole risk. CASCOfi shall not be liable for any actions or consequences resulting from such access or the provision of such information unless such liability is strictly prescribed under applicable law.
The information and materials contained herein (and within the Services) are subject to change without notice. CASCOfi may discontinue or make alterations, changes, or revisions to the information, materials, products, or services which may be described or provided within the Services at any time without prior notice to you and without any liability to you. Any dated information is published as of its date only and CASCOfi does not undertake any obligation or responsibility to amend or update any such information. In the event there is deemed to be any information within or on the Services regarding product(s) or service(s), such described product(s) and service(s) as well as any associated charges, fees, interest rates, etc. may differ among eligibility.
VIII. INTELLECTUAL PROPERTY RIGHTS
(INCLUDING CONTENT SUBMISSION GUIDELINES, IF APPLICABLE)
Should you submit, transmit, upload, or otherwise make available any Content on or through the Services, you are granting CASCOfi a non-exclusive, irrevocable, transferrable, sublicensable, royalty-free, worldwide license to use and display the Content and to permit others to use and display, for any purpose (if applicable), the Content and any ideas, concepts, know-how, and techniques contained in such Content. You agree that such Content is (and will be) treated as non-confidential and non-proprietary. To the extent that Content is covered by intellectual property rights, you affirm, represent and warrant that you own or have the necessary consents, licenses, permissions, and rights to the Content submitted. No compensation will be paid for any Content.
You agree that you will not submit, transmit, upload, or otherwise make available any Content that we deem to be objectionable (including without limitation to) the following:
a.Any content or otherwise participating in any activity (or activities) that is prohibited by law in any applicable jurisdiction, including laws governing the encryption of data privacy and protection, the encryption of software, the export of technology, the transmission of obscenity, copyright infringement, or the permissible use(s) of intellectual property;
b. Any content that you do not have a right to make available under any law or under any contractual or fiduciary relationship(s) such as inside information, confidential information, or proprietary information disclosed or learned as part of employment relationships or under nondisclosure agreements;
c. Any unauthorized or unsolicited advertising, chain letters, junk mail, promotional materials, pyramid schemes, spam, or any other form of soliciation or self-promotion.
d. Content that contains false (or falsified) information including rumors, or any content that is deemed or is vulgar, unlawful, tortious, threatening, stalking, profane, pornographic, obscene, libelous, invasive of another’s privacy, inflammatory, harmful, harassing (or harassment), discriminatory, deingrating, attacking, abusive, or otherwise objectionable or unrelated;
e. Files that contain images, software, video or other materials projected by intellectual property or right to privacy or publicity laws including copyright or trademark laws, unless you own or control the rights thereto or have received all necessary consents to submit such materials to this page; or
f. Trade (or company) secrets, non-public, or confidential information about publicly traded securities or other financial instruments.
Users further agree that they will not collect personal information about others, including email addresses or other personally identifiable information.
We expect that any individual using the Site will remain on topic and relevant. We may (at our sole discretion) delete off-topic or irrelevant negative Content. CASCOfi is under no obligation to post or use any Content submitted by you or anyone else and reserve the right to refuse to post and/or remove any Content (including without limitation to) the right to refuse to post or to remove the aforementioned objectionable Content and any other Content deemed to be objectionable.
Users shall indemnify, hold harmless, and defend CASCOfi (and its officers, employees, and agents) from all and any costs, damages, expenses, fines, injuries, liabilities, losses, and penalties, including reasonable attorney’s fees resulting from claims made by any third party due to or arising out of your acts or omissions including claims arising out of your use of the Services, your Content, or other submissions, posting, or transmissions of the Services, your violation of any policies or rules governing the Services, or your violation of any rights of another.
CASCOfi has no responsibility or liability for the deletion or failure to store any data or other content maintained or transmitted by others on the Services. However, CASCOfi may (in its sole discretion) preserve Content and may disclose it, especially in the event required to do so by law, judicial, or government mandate or as determined by us to protect the personal safety, property, or rights of the public.
IX. LIMITATION OF ACCESS
CASCOfi may shut down the Site or any Apps, including the limitation or denial of access to all or in part of the Services or the Services from time to time be unavailable, slowed, or delayed (at any time) for any reason (without notice) and without liability to you.
X. ADDITIONAL AGREEMENTS
The Terms do not nullify (and are in addition to) any other terms and conditions contained in other agreement(s) between you and CASCOfi, including (without limitation to) any agreement regarding the use of any webpages, websites, or social media sites maintained by CASCOfi. In the event of a conflict, the additional terms and conditions will govern those pages or sections. In addition, certain pages or portions of the Services or other webpages, websites, or social media sites are subject to additional disclosures and disclaimers. In the event of conflict between those disclosures and disclaimers, and these Terms, the additional disclosures and disclaimers will govern for those pages, portions, or sites. Modification or termination of these Terms will not affect, or result in the termination or modification of, any such other agreements or disclaimers.
Without limiting anything else contained in the Terms, but for clarification, all terms and conditions for any financial services or products are provided in separate agreements between you and CASCOfi including, without limitation, those terms and conditions governing any and all warranties, representations, indemnities, or limitations of liability related to financial services or products.
XI. GOVERNING LAW
Your relationship with CASCOfi with respect to these Terms shall be governed by the laws of the State of California without regard to its conflict of law provisions. The Services are not intended for distribution to (or use by) any entity or person in any jurisdiction (or country) where such distribution or use would be contrary to local law or regulation. In the event there is deemed to be any information on the Services regarding product(s) and service(s) may lawfully be offered for sale and is void where prohibited by law. If you access the Services from outside of the United States, you are responsible for compliance with local, national, and international laws.
In any provision or term of these Terms is held unenforceable where the validity or enforceability of the remaining provisions and terms will not be affected, and the unenforceable provision will be replaced with an enforceable provision that comes closest to the intention underlying the unenforceable provision or term.
The headings inserted within these Terms are inserted for convenience and identification only and are not intended to define, describe, interpret, or limit the scope (or intent of) this agreement or any clause hereof.
We reserve the right to modify, revise, or update these Terms or other policies at any time (and without prior notice), by posting the revision(s) on this Site. You are bound by any such revisions at the time of such posting(s) and you should therefore periodically visit this page to review the current Terms. Your simultaneous or subsequent use of the Services constitutes your agreement to bound by the revised Terms.
XV. COMPLIANCE DISCLAIMERS
Banking and/or financial products and services are offered by CASCO Financial, Inc. and Wells Fargo. Brokerage services are offered through CASCO Financial, Inc. with Brokerage License BRE #00634427. Advisory and/or investment products and services are not FDIC insured or insured by any Federal Government Agency; are not a deposit, not a bank guarantee, and may lose value.
The information and materials on the Services are not intended as an offer or solicitation for the purchase of stock, any other security, or any financial instrument of CASCOfi or any other issuer or company. No comments or content made by CASCOfi, its agents, employees, or any other user should be understood or used as the basis for any financial or investment decision, nor should they be construed as advice, endorsements, or recommendations.
This Site is a United States-based website designed for users located in the United States and provided for the benefit of our clients and other users who are based in the United States.