Disclaimer / Terms and Conditions of Web Content

Term of Use for: www.springsfinancial.net
Springs Financial Services Inc.’s corporate headquarters are located at:
10693 Wiles Road, Suite 213
Coral Springs, FL 33076 USA
Tel: 800-606-5553
Fax: 800-457-2102

Welcome to the Springs Financial Services, Inc. Web site (the "Site"). By using the Site, you agree to follow and be bound by the following terms and conditions concerning your use of the Site ("Terms of Use") and our Privacy Policy. We may revise the Terms of Use and Privacy Policy at any time without notice to you.

Areas of the Site may have different terms of use posted. If there is a conflict between the Terms of Use and terms of use posted for a specific area of the Site, the latter shall have precedence with respect to your use of that area of the Site.

1. Use of Web Site Information

You may download, view, copy and print documents and graphics incorporated in these documents (the "Documents") from the Site subject to the following: (a) the Documents may be used solely for personal, informational, non-commercial purposes; and (b) the Documents may not be modified or altered in any way. Except where your use constitutes "fair use" under copyright law, you may not otherwise use, download, upload, copy, print, display, perform, reproduce, publish, license, post, transmit or distribute any information from this Web site in whole or in part without the express authorization of Springs Financial Services, Inc.

2. Use of Software

Any use of software and accompanying documentation you download from the Site is subject to the terms of a software license agreement between you and Springs Financial Services, Inc. You must read the license agreement and indicate your agreement to its terms prior to installing or using the software. All rights, title and interest not expressly granted are reserved.

3. Third Party Web Sites, Content, Products and Services

The Site provides links to Web sites and access to content, products and services from third parties, including users, advertisers, affiliates and sponsors of the Site. You agree that Springs Financial Services, Inc. is not responsible for the availability of, and content provided on, third party Web sites. You should refer to the policies posted by other Web sites regarding privacy and other topics before you use them. You agree that Springs Financial Services, Inc. is not responsible for third party content accessible through the Site, including opinions, advice, statements and advertisements, and understand that you bear all risks associated with the use of such content. If you choose to purchase any products or services from a third party, your relationship is directly with the third party. You agree that Springs Financial Services, Inc. is not responsible for: (a) the quality of third party products or services; and (b) fulfilling any of the terms of your agreement with the seller, including delivery of products or services and warranty obligations related to purchased products or services. You agree that Springs Financial Services, Inc. is not responsible for any loss or damage of any sort you may incur from dealing with any third party.

4. Disclaimer

EXCEPT WHERE EXPRESSLY PROVIDED OTHERWISE, THE SITE, AND ALL CONTENT, MATERIALS, INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED ON THE SITE, ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. SPRINGS FINANCIAL SERVICES, INC. EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANT ABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. SPRINGS FINANCIAL, INC. MAKES NO WARRANTY THAT: (A) THE SITE WILL MEET YOUR REQUIREMENTS; (B) THE SITE WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS; (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE OR ANY SERVICES OFFERED THROUGH THE SITE WILL BE ACCURATE OR RELIABLE; OR (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE WILL MEET YOUR EXPECTATIONS.

5. Export Restrictions/Legal Compliance

You may not access, download, use or export the Site, or the content, software, products or services provided on the Site in violation of U.S. export laws or regulations, or in violation of any other applicable laws or regulations. You agree to comply with all export laws and restrictions and regulations of any United States or foreign agency or authority, and not to directly or indirectly provide or otherwise make available the services and products of Springs Financial Services, Inc. in violation of any such restrictions, laws or regulations, or without all necessary approvals, including, without limitation, for the development, design, manufacture or production of nuclear, chemical or biological weapons of mass destruction. As applicable, you shall obtain and bear all expenses relating to any necessary licenses and/or exemptions with respect to your own use of the services of Springs Financial Services, Inc. outside the U.S. Neither the services of Springs Financial Services, Inc. nor the underlying information or technology may be downloaded or otherwise provided or made available, either directly or indirectly, (i) into Cuba, Iran, Iraq, Libya, North Korea, Sudan, Syria or any other country subject to U.S. trade sanctions, to individuals or entities controlled by such countries, or to nationals or residents of such countries other than nationals who are lawfully admitted permanent residents of countries not subject to such sanctions; or (ii) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals and Blocked Persons or the U.S. Commerce Department's Table of Denial Orders. By agreeing to these Terms and Conditions of Use, you agree to the foregoing and represents and warrants that you are not located in, under the control of, or a national or resident of any such country or on any such list.

6. Applicable Laws

All matters relating to your access to, and use of, the Site shall be governed by U.S. federal law or the laws of the State of Florida. Any legal action or proceeding relating to your access to, or use of, the Site shall be instituted in a state or federal court in Ft. Lauderdale or Broward County, Florida. You and Springs Financial Services, Inc. agree to submit to the jurisdiction of, and agree that venue is proper in, these courts in any such legal action or proceeding.

7. Copyright/Trademark Information

Copyright © 1992-2006, Springs Financial Services, Inc. All rights reserved.
Springs Financial Services, Inc. is a registered trademark of Springs Financial Services, Inc. Other names appearing on the Site may be trademarks of their respective owners.

Permissible Use

You may generally use Springs Financial Services, Inc. trademarks to refer to the associated Springs Financial Services, Inc. products or services. For instance, an authorized agent can note in its advertisements that it is selling Springs Financial Services, Inc. services.

Relationship of Products or Services. You may indicate the relationship of your products or services to Springs Financial Services, Inc. products or services by using accurate, descriptive taglines such as "for Springs Financial Services, Inc. services," "for use with Springs Financial Services, Inc. Within text or body copy, such taglines may appear in the same type as your product or service name. You should also distinguish the tagline from your mark by using a different font or color.

Calculators, Form Templates

Springs Financial Services, Inc. reserves the rights to all data present on the website. All calculators have been created for Springs Financial Services, Inc. only and are copyrighted under federal law. We have designed our calculators with an encrypted code to distinguish if the calculator has been stolen off our website. If you are caught using or advertising the design, information and rate factors altered to reflect your company without permission by the authorized agent of Springs Financial Services, Inc. you will be held legally liable to copyright infringement and legal action will be taken. You may only have a calculator on websites other than Springs Financial Services, Inc. that we have issued to you in particular either as a current vendor or customer. Credit applications and forms are held to the same guidelines as above. Without expressed permission, you may not copy and alter or present our applications layout to any other website without written consent to Springs Financial Services, Inc. Our applications were created in house and the layout used is protected under state and federal copyright laws.