Terms and Conditions

Please read these terms carefully before using our services.

Agreement to Terms

These Terms and Conditions constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you") and Patriot Financial ("we," "us" or "our"), concerning your access to and use of our website, mobile application, and services, including our SMS notification service.

By accessing or using our services, you agree to be bound by these Terms and Conditions. If you disagree with any part of the terms, you may not access our services.

Intellectual Property Rights

Unless otherwise indicated, the website and all its content, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by Patriot Financial, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our website, except as follows:

  • Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
  • You may store files that are automatically cached by your Web browser for display enhancement purposes.
  • You may print or download one copy of a reasonable number of pages of the website for your own personal, non-commercial use and not for further reproduction, publication, or distribution.
  • If we provide social media features with certain content, you may take such actions as are enabled by such features.

User Representations

By using our services, you represent and warrant that:

  • All registration information you submit will be true, accurate, current, and complete.
  • You will maintain the accuracy of such information and promptly update such registration information as necessary.
  • You have the legal capacity to understand, agree to, and comply with these Terms and Conditions.
  • You are not a minor in the jurisdiction in which you reside, or if a minor, you have received parental permission to use our services.
  • You will not access our services through automated or non-human means, whether through a bot, script, or otherwise.
  • You will not use our services for any illegal or unauthorized purpose.

User Registration

You may be required to register with our services to access certain features. You agree to keep your password confidential and will be responsible for all use of your account and password.

We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

SMS Service Terms

By providing your phone number and opting in to our SMS notification service, you agree to receive recurring text messages from us. Message frequency may vary. Standard message and data rates may apply.

You can cancel the SMS service at any time by texting "STOP" to the number from which you are receiving the messages. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us.

If you want to join again, you can sign up as you did the first time or text "START" to the number from which you receive the messages.

Prohibited Activities

You may not access or use our services for any purpose other than that for which we make them available. Our services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

As a user of our services, you agree not to:

  • Systematically retrieve data or other content from our services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.
  • Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
  • Circumvent, disable, or otherwise interfere with security-related features of our services.
  • Disparage, tarnish, or otherwise harm, in our opinion, us and/or our services.
  • Use any information obtained from our services in order to harass, abuse, or harm another person.
  • Make improper use of our support services or submit false reports of abuse or misconduct.
  • Use our services in a manner inconsistent with any applicable laws or regulations.
  • Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party's uninterrupted use and enjoyment of our services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of our services.

Submissions

You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information regarding our services ("Submissions") provided by you to us are non-confidential and shall become our sole property. We shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these Submissions for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.

Third-Party Websites and Content

Our services may contain links to third-party websites and services that are not owned or controlled by Patriot Financial. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms and Conditions.

Upon termination, your right to use our services will immediately cease. If you wish to terminate your account, you may simply discontinue using our services or notify us that you wish to delete your account.

Limitation of Liability

In no event shall Patriot Financial, its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use our services.

Disclaimer

Our services are provided on an "AS IS" and "AS AVAILABLE" basis. The information provided through our services is for general informational purposes only. We make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on our services.

Under no circumstance shall we have any liability to you for any loss or damage of any kind incurred as a result of the use of our services or reliance on any information provided on our services. Your use of our services and your reliance on any information on our services is solely at your own risk.

Financial Information Disclaimer

The financial content provided through our services is for informational purposes only and is not intended to constitute professional financial advice. The material does not take into account your specific financial situation, financial needs, or investment objectives. You should always seek the assistance of a professional for advice on investments, tax, and legal matters.

Past performance is not a guarantee of future performance. We make no express or implied warranties, representations, or endorsements whatsoever with regard to the financial content presented on our services.

Governing Law

These Terms shall be governed by and defined following the laws of the State of New York. Patriot Financial and yourself irrevocably consent that the courts of New York shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these terms.

Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our services after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use our services.

Contact Us

If you have any questions about these Terms and Conditions, please contact us at:

Patriot Financial
123 Financial Street
Suite 456
New York, NY 10001
Email: legal@patriotfinancial.com
Phone: (555) 123-4567

Last updated: May 1, 2025

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