This web site (the “web site“) is owned and provided by Republic Financial Corporation, LLC (including its affiliates) (“Republic“). Your use and access of this web site is governed by and subject to the following terms and conditions. If you do not agree to these terms, or if you do not agree with our Privacy Policy, please do not use this web site or any services offered by this web site.

BY ACCESSING, BROWSING, OR OTHERWISE USING THE WEB SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO THESE TERMS OF USE.

Unless otherwise specified, the materials in this web site are presented solely for the purpose of promoting products or programs available in the United States, its territories, possessions, and protectorates. We make no representation that materials in the site are appropriate or available for use in other locations. If you access the site from locations other than the United States, you are responsible for compliance with any applicable local laws.

Unless otherwise noted, all text, content, and documents on this web site, any names, logos, service marks, and trademarks appearing in this web site, including the trademarks, service marks, brand identities, characters, trade names, graphics, designs, copyrights, trade dress, and all other intellectual property including the organization, design, compilation, look and feel, illustrations, artwork, videos, music, software or other works or materials of the web site (“Content“), except as otherwise noted, are owned by Republic and its affiliates or used with permission or under license from a third party (hereinafter collectively referred to as the “Owner“) and are protected under copyright, trademark and other intellectual property and proprietary rights laws. This includes the entire Content of the web site, trademarked and protected as a collective work (collectively with the Content, hereinafter referred to as the “Materials“). As between Republic and you, all right, title and interest in and to the Materials will at all times remain with Republic and/or its Owners. “Republic Financial,” the “Republic Financial,” logo, and other marks, logos and titles are registered and/or common law trade names, trademarks or service marks of Republic.

The use of any Content, except as provided in these Terms of Use or in the Content, is strictly prohibited. Republic grants you a non-exclusive, limited, personal, non-transferable, revocable, right and license, without right to sublicense, to access and use the Materials on the following conditions: (a) you may not distribute text or graphics to others without our express written consent, (b) you may not, without our permission, copy and retransmit, disseminate, broadcast or circulate or otherwise distribute this information on any other server, or modify or reuse all or part of the Materials on this system or another system, (c) you shall not use any trade name, trademark, or brand name of Republic in metatags, keywords and/or hidden text, (d) you may not copy, distribute, modify, transmit, reuse, repost, or otherwise display the Content for public or commercial purposes without Republic’s prior written permission for such use of Content, (e) you agree you will not create derivative works from or commercially exploit the Materials, in whole or in part, in any way, (f) you shall not use the web site, the Materials, and/or any portion thereof, in any manner that may give a false or misleading impression, attribution or statement as to Republic, the Owner, or any third party referenced therein, (g) you shall use the Materials, and/or any services and products on the web site or accessible via the web site for lawful purposes only, and (h) you shall not publicly display, perform, or distribute the Materials, either in whole or in part, and shall not modify, translate, alter or create any derivative works thereof. We reserve all other rights. You do not acquire ownership rights to any Materials viewed or accessed through the web site and Republic’s posting of any Materials on the web site does not constitute a waiver of any right in such Materials. You shall not alter, remove or obscure any copyright notice, digital watermarks, proprietary legends or any other notice included in any Materials on the web site. Except as expressly provided herein, nothing on the web site shall be construed as conferring any license under Republic’s and/or its Owner’s intellectual property rights, whether by estoppel, implication or otherwise. Notwithstanding anything herein to the contrary, Republic may revoke any of the foregoing rights as well as your access to the web site, or any part thereof, at any time without prior notice, including by blocking your IP address.

You hereby agree to defend, indemnify and hold harmless Republic, its owners, parents, subsidiaries, affiliates, and/or licensors, and its and their respective officers, directors, employees, agents, successors and assigns, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney’s fees) arising from: (i) any claim, damage, obligation, loss or liability related to or arising from your use of and access to the web site; (ii) your violation of any term of these Terms of Use; or (iii) your violation of any third-party right, including without limitation any copyright, property, or privacy right. This defense and indemnification obligation will survive these Terms of Use and your use of the web site.

Without limiting the foregoing, the Materials, Content and everything on the web site is provided to you “AS IS” and “AS AVAILABLE” without warranty of any kind with respect to the web site, Content and/or any Materials, either express or implied, including but not limited to, fitness for a particular purpose, title or non-infringement. Should applicable law not permit the foregoing exclusion of express or implied warranties, then Republic hereby grants the minimum express or implied warranty required by such applicable law. No advice or information, whether oral or written, obtained by you from Republic, its employees, agents, suppliers or any other persons shall create any warranty, representation or guarantee not expressly stated in this section. Additionally, Republic does not make any warranties that the web site will be uninterrupted, secure or error free or that your use of the Website will meet your expectations, or that the web site, Content or Materials, or any portion thereof, is correct, accurate, or reliable. Republic reserves the right to change any part of the web site at anytime without notice.

Your use of the web site is at your risk. Neither Republic, its affiliates, nor any of their respective officers, directors, agents or other representatives will be liable for any damages, including direct, indirect, incidental, consequential, special, or punitive damages, including, without limitation, loss of data, income, profit or goodwill, loss of or damage to property and claims of third parties, arising out of your access to or use of the web site or arising out of any action taken in response to or as a result of any Content, materials or other information available on the web site, however caused, whether based on breach of contract, tort (including negligence), proprietary rights infringement, product liability or otherwise. The foregoing shall apply even if Republic was advised of the possibility of such damages. If you become dissatisfied in any way with this web site or its Terms of Use or Privacy Policy, your sole and exclusive remedy is to stop using this Website and its services. You hereby waive any and all claims against Republic and its affiliates, agents, representatives and licensors arising out of your use of the web site. Because some states do not allow the disclaimer of implied warranties or the exclusion or limitation of certain types of damages, these provisions may not apply to you. If any portion of this limitation on liability is found to be invalid or unenforceable for any reason, then the aggregate liability of Republic and its affiliates shall not exceed one hundred dollars ($100.) The limitation of liability herein is a fundamental element of the basis of the bargain and reflects a fair allocation of risk. The web site would not be provided without such limitations and you agree that the limitations and exclusions of liability, disclaimers and exclusive remedies specified herein will survive even if found to have failed in their essential purpose.

We take your privacy very seriously. Our online Privacy Policy is incorporated herein by reference and forms apart of these Terms of Use and describes the collection, use, and sharing of certain personally identifiable and other information that may be provided in connection with the use of the web site. Please read and understand our Privacy Policy before accessing our using the web site.

Your access to the web site as well as the terms and conditions and the agreement they create are governed and interpreted by the laws of the State of Colorado other than such laws, rules, regulations and case law that would result in the application of the laws of a jurisdiction other than the State of Colorado.

Framing, in-line linking or other methods of association with the web site are expressly prohibited without prior written approval from Republic.

You affirm that you are either more than 18 years of age, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations, and warranties set forth in these Terms of Use, and to abide by and comply with these Terms of Use.

These Terms of Use, and any rights and licenses granted hereunder, may not be transferred or assigned by you, but may be assigned by Republic without restriction.

Republic reserves the right to amend these Terms of Use at any time. In the event of any change, Republic will note the date these Terms of Use were last updated below, so you know whether it has changed since your last visit. Your continued use of the web site following the posting of such revised terms will signify and be deemed your assent to and acceptance of the revised Terms of Use.

Republic’s failure to enforce any provision of these Terms of Use shall not be deemed a waiver of such provision nor of the right to enforce such provision. If any part of these Terms of Use is determined to be invalid or unenforceable pursuant to applicable law, including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms of Use shall continue in effect. A printed version of these Terms of Use and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to these Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.