By accessing or using the website, services, or related resources, you agree to follow these Terms and Conditions. If you do not agree with any part of these terms, please discontinue use. These terms describe general responsibilities, conditions, and expectations that apply to your use.
You must meet applicable eligibility requirements for the specific service you choose. Certain financial products may have additional requirements based on the product, application information, or applicable rules. Reviewing relevant product terms can help you understand whether a service is appropriate for your circumstances and needs.
If an account or profile is required, you agree to provide information that is accurate, current, and complete. You are responsible for reviewing submitted information and keeping account details updated when circumstances change. You should also take reasonable steps to protect your login credentials and account access.
Financial information, educational materials, calculations, and other resources provided through the services are intended for general informational purposes. They should not be treated as personalized financial, legal, tax, or investment advice unless a separate agreement expressly provides otherwise and applicable requirements are satisfied.
Financial products can involve costs, obligations, restrictions, and risks. Investments may lose value, lending arrangements create repayment responsibilities, and insurance policies contain conditions and exclusions. Before proceeding, carefully review applicable documents, disclosures, fees, risks, limitations, and other terms relevant to the product or service carefully.
Any fees, charges, interest, premiums, service costs, or other expenses applicable to a product or service will be described in relevant materials when available. You are responsible for understanding applicable costs and payment obligations before proceeding, including recurring or transaction-related charges where relevant to you.
When you submit an application, request, inquiry, or other information, you agree that the information provided should be accurate and complete to the best of your knowledge. Submission does not necessarily mean approval, acceptance, eligibility, or availability, and additional information may be requested when appropriate.
If you use a service requiring an account, you are responsible for maintaining appropriate security over your credentials and devices. You should promptly report suspected unauthorized access or activity through available support channels. You remain responsible for actions taken through your account to the extent permitted by applicable law.
You agree not to use the website or services for unlawful, fraudulent, abusive, misleading, or unauthorized purposes. You must not interfere with website operation, attempt to gain unauthorized access, misuse information, or engage in activity that could reasonably harm the services or other users.
All website content, written materials, graphics, designs, logos, interfaces, and other materials may be protected by intellectual property rights. Unless permitted by applicable law or expressly authorized, you may not reproduce, modify, distribute, publish, or create derivative works from protected materials without appropriate permission.
Third-party websites, tools, services, or resources may be made available for convenience. Their availability does not necessarily mean endorsement or responsibility for their content, practices, or services. You should review applicable third-party terms and privacy information before using external services or sharing information with them.
We may make reasonable changes to website features, content, services, or availability when operational, legal, technical, or other circumstances require. Where appropriate, material changes may be communicated through available channels. Continued use after applicable changes become effective may indicate acceptance of the updated terms and conditions.
To the extent permitted by applicable law, the services and website are provided subject to their stated terms and available functionality. We do not guarantee uninterrupted availability, error-free operation, or that every service will meet every individual expectation. Specific products may have additional limitations or conditions.
To the extent permitted by applicable law, you agree to be responsible for losses, claims, or expenses arising from your misuse of the website or services, violation of these terms, or unlawful conduct. This provision does not limit rights or protections that cannot legally be excluded.
To the extent permitted by applicable law, limitations may apply to liability for indirect, incidental, special, consequential, or similar damages arising from use of the website or services. Nothing in these terms is intended to exclude liability where exclusion is prohibited by applicable law or regulation.
These Terms and Conditions are governed by applicable laws and regulations identified in the relevant service agreement or disclosure, without regard to conflict of law principles. Any dispute will be handled through the dispute resolution process stated in the applicable agreement or otherwise required by applicable law.
If any provision of these Terms and Conditions is found invalid, unlawful, or unenforceable, the remaining provisions will continue to apply to the extent permitted. These terms may be updated when appropriate, and applicable product agreements or disclosures may supplement these general conditions for specific services.