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Terms and Conditions

Introduction

These terms and conditions outline the rules and regulations for the use of Rai Financial Website, located at https://raifinancialmgt.com.
By accessing this website we assume you accept these terms and conditions. Do not continue to use Rai Financial if you do not agree to take all of the terms and conditions stated on this page.
These Terms and Conditions are rules which you as the user must agree to abide by in order to use our Website and Services. This Website www.raifinancialmgt.com (“Site” “Service”) is operated by Rai Financial (the “Company”), with business address 1340 Teaneck Road Floor 2, Teaneck NJ 07666 in The United States. The terms and conditions available on this website (“Terms of Use”) simply describe how you use our programs, products and services, and their contents. Please read carefully. We have the right to change these Terms of Service from time to time without notice. You agree that any visit to this site is subject to the current Terms of Use at that time.
Throughout the website, the word “we”, “us” and “our” refer to the Company and the term “You” “Your” refer to you as a user of the Service. The Company offers this website, which includes all the information, tools and services available on this site for you, the user, subject to the acceptance of all the terms, conditions, policies and communications that are indicated here. By making use of the Service available on the site, you agree to be bound by these Terms and agree to all legal results. If you do not agree to these terms of service, in full or in part, do not utilize the Service. Kindly read these Terms of use thoroughly before using our site.
Any new features or tools added to the Site will also be subject to the Terms of Service. You can review the advanced version of the Terms of Service at any time on this page. We reserve the right to update, modify or replace any part of these Terms of Service by posting updates and/or changes to our site. It is your duty to review this page regularly for changes. The use or continued access to the website after the publication of any change constitutes acceptance of these changes.
In case of violation, bankruptcy or inconsistent behavior with any part of the contract, we may interrupt, suspend, and/or limit your account/profile, your ability to access, visit and/or use the Service or part of it. and/or the Agreement, including, without limitation, any of our alleged obligations below, with or without notice, in addition to our resources. Furthermore, we may limit, restrict or refuse to provide you with any access, visit and/or future use of the services or any other product (s) or service (s) that we provide. We hold the right, in addition to our other resources, to apprehend any technical, legal and/or other actions that we consider necessary and/or appropriate with or without notice, to prevent violations and enforce the agreement and remedy any hypothesis. Violations You acknowledge and agree that we are entitled to a judicial injunction without publishing an obligation to interrupt or prevent a violation or violation of the obligations under the Contract.
In the case of any conflicts or offenses within the terms of this User Agreement and other applicable terms and/or conditions applicable to the Service, we will determine which terms, restrictions, terms and/or conditions shall control and prevail in our sole discretion, and the user has no right to challenge or dispute such determination.

Ability to Accept
You represent and guarantee that you are of legal age and otherwise qualified to enter into this Agreement in your jurisdiction and, if you are entering into this Agreement on behalf of an entity, that you are authorized to enter into this Agreement on behalf of such entity.

Use of the service
Rai Financial grants you a personal, non-exclusive and non-transferable license to access and use the Site. You can download material from the Site only for personal and non-commercial use. The user can not copy, duplicate, retransmit, share, advertise, commercially utilize or transfer any material. The burden of determining that the use of any information, software or any other content on the Site is permissible rests to the User.

Property
The Services and all related rights are and will remain our property. Neither these Terms nor the use of the Services grant or grant the user any right in relation to the Services, except for the limited license granted previously, or to use or refer in any way to the names of the companies, logos, to the Names of products and services, brands or services. All content that appears on the Rai Financial platform is owned by our partners and is protected by international copyright laws. Some names, graphics, and logos are trademarks, service marks or commercial image (collectively, “Trademarks”) of Rai Financial . Our trademarks may not be used for any purpose, except under our trademark use policy. All other trademarks are the property of their respective owners and may not be used without your prior written consent.
If you print, copy, modify, download or otherwise use or provide any other person access to any part of the website that violates the Terms of Use, your right to use the website will cease immediately and you must, at our discretion, return or destroy any copies of the materials you have made. No right, title or interest in or on the website or any content of the website is transferred to the user, and Rai Financial reserves all rights not expressly granted. Any use of the Website not expressly permitted by these Terms of Service is a breach of these Terms of Service and may violate copyright, trademark and other laws.

Our Consent
By continuing to use this site, you acknowledge that you have read and understood the terms and conditions contained in these Terms of Use. It also acknowledges that you are using the site for its sole purpose and not for the benefit of a competitor.

Access to the site and account registration
To use the Website, you may be asked to provide certain account data and other details. This account information helps us create and maintain a Rai Financial account for you, necessary to provide you with the content, customer service and network administration that is provided with the Site; as such, it is a condition of using the Site that all the account information provided is correct, current and complete. You agree that all account information you provide is governed by our Privacy Policy and accepts all the actions we take in relation to your information in accordance with our Privacy Policy.
With respect to the username, password and any other information you provide to us as part of our security procedures, you agree to treat such account information as confidential and you must not reveal it to any other person or entity. You also acknowledge that the account information is personal to you and agree not to provide any other person with access to the site using the account information. You agree to notify us immediately support@raifinancialmgt.com of any unauthorized access or use of your Account Information or any other security breach of which you have knowledge. Special care must be taken when accessing your account from a public or shared computer so that others can not view or record account information or other personal information.
Except as provided in this document, it is not possible to transfer the account information to any other person and it is not possible to use the account information of another person or the account at any time. In the event that you have otherwise authorized or registered another person to use your account or Plan, or have acted negligently to protect Account Information as set forth above, you agree to be fully responsible for (i) ) the actions and omissions of said person accessing the Site with the Account Information, (ii) controlling the access and use of the Site by the person and (iii) the consequences of any use or misuse by the user. part of that person.

Consent to Use of Telephone Numbers
You authorize Rai Financial, their affiliates, agents, and others calling at their request or on their behalf to contact you at any number (i) you have provided to us (ii) from which you have called us, or (iii) which we obtain and believe we can reach you at. We may contact you in any way, such as calling, texting, using an automated dialer or using pre-recorded messages. We may contact you on a mobile, wireless, or similar device, even if you are charged for it by your provider. Informational Text Message Disclosures: Rai Financial Account Alerts. Message and data rates may apply. 1- (877) 379-3001 for support. More Information: See our Privacy Policy.

Your account
If you use this site, you are responsible for maintaining the confidentiality of your account and password, if applicable, and for limiting access to your computer, and you agree to take responsibility for all activities that are performed under your account. You agree that the billing and registration information provided on the Sites is accurate and complete. Rai Financial and its subsidiaries reserve the right to refuse the service, close accounts, delete or modify the content or cancel orders at their sole discretion.

Contents
Our service allows you to publish, link, store, share and make available certain information, text, graphics, videos or other materials (“Content”). You are responsible for the content you send to the service, including its legality, reliability, and suitability. By posting Content on the Service, you grant us the right and license to use, publicly perform, publicly display, modify, reproduce, create derivative works or adaptations thereof, incorporate it into advertising and other works, promote and distribute it. in and through the Service, as well as allowing others to do the same in relation to their websites and multimedia platforms (“Other Media”). Therefore, below, you irrevocably grant us a perpetual, non-exclusive and transferable rights throughout the world, exempt from copyright, assignable, sublicensable, to use your Content for any purpose. Please note that users of the Service and any other means are also irrevocably granted the right to access User Content in connection with their use of the Service and any other Supplement.
You retain all of your rights to any Content submitted, posted or displayed on or through the Service and you are responsible for protecting those rights. You agree that this license includes the right for us to make your Content available to other users of the Service, who may also use the Content under these Terms. You represent and warrant that: (i) the Content is yours (you own it) or has the right to use it and grant us the rights and licenses set forth in these Terms, and (ii) the posting of your Content on or through the Service will not violate the privacy rights, advertising rights, copyrights, contractual rights or other rights of any person and (iii) you may not imply that its content is in any way sponsored or approved by Rai Financial .

Posting By User
By posting Content on the Service, you grant us the right and license to use, publicly perform, publicly display, modify, reproduce, create derivative works or adaptations thereof, incorporate it into advertising and other works, promote and distribute it, in and through the Service, as well as allowing others to do the same in relation to their websites and multimedia platforms (“Other Media”). Accordingly, you hereby irrevocably grant us rights throughout the world, perpetual, non-exclusive, royalty-free, assignable, sublicensable and transferable to use your Content for any purpose. Please note that users of the Service and any other means are also irrevocably granted the right to access User Content in connection with their use of the Service and any other Supplement.

Scope Of Service

We are a New Jersey based online store focused on delivering quality products you can easily finance with your Rai Financial CreditFacts or BusinessFacts credit account. Our goal is to offer our customers an outstanding online experience with guaranteed success and a reasonable cost. Start shopping today and get immediate approval of up to $12,000-$15,000

Membership/Subscription Information
Certain Services may be subject to fees charged by Rai Financial (“Fees”) which will be identified at the point of purchase of such Services. Additional functionality and services may be offered or provided by us from time to time and these will be described on the Website. Services requiring Fees which have not been previously agreed upon will be notified to you, and your agreement to be responsible for any such additional Fees will be required. You agree to pay all amounts due upon demand directly to Rai Financial , and Rai Financial further reserves the right to either suspend or terminate your Rai Financial account and your access to the Services in such circumstances.

Subscription Services
Some of our Features may include automatically recurring payments for periodic charges (“Subscription Service”). If you activate a Subscription Service, you authorize Rai Financial to periodically charge, on a going-forward basis and until cancellation of either the recurring payments or your account, all accrued sums on or before the payment due date for the accrued sums. The “Subscription Billing Date” is the date when you purchase your first subscription to the Subscription Service. Your account will be charged automatically on the Subscription Billing Date all applicable fees for the next subscription period. The subscription will continue unless and until you cancel your subscription or we terminate it. You must cancel your subscription before it renews in order to avoid billing of the next periodic Subscription Fee to your account. We will bill the periodic Subscription Fee to the payment method you provide to us during registration (or to a different payment method if you change your payment information).
If you pay by credit or debit card, we may obtain a pre-approval from the issuer of the card for an amount, which may be as high as the full price of your purchase. We will bill your Payment Method at the time you purchase one of our Features, or shortly thereafter. If you cancel a transaction before completion, this pre-approval may result in those funds not otherwise being immediately available to you. You acknowledge and agree that any credit card and related billing and payment information that you provide during your purchase of our product may be shared with Rai Financial ’s payment processor(s) for the sole purpose of processing the transaction.

Availability of Premium Content
We make reasonable efforts to accurately display the attributes of our Premium Content, including the various resources; however, the actual performance of the resources will depend on your computer system, and we cannot guarantee that your computer will accurately display such content. The inclusion of any particular Premium Content or service on our Service at a particular time does not imply or warrant that these content or services will be available at any time.
By purchasing Premium Content, you agree that we may communicate with you electronically any important information regarding your purchases or your account and as set forth in our Privacy Policy. We may also provide notices to you by posting them on our website, or by sending them to an email address or street address that you previously provided to us. We may update these Payments Terms at any time without notice as we deem necessary to the full extent permitted by law. The Payments Terms in place at the time you confirm a transaction will govern that transaction.

Canceling Product Subscriptions
You may not cancel your Subscription until it is paid in full. To cancel email us at: support@raifinancialmgt and follow the instructions we provide, if any, we provide to you in response to your cancellation request. You will be responsible for all Subscription fees incurred for the then-current Subscription period. If you cancel, your cancellation will be effective immediately, but Rai Financial will allow you to access the Subscription features until the most recently paid-up Subscription period ends, and then we will terminate your access. Canceling your Subscription will not cancel your Account.
Please be aware that any fee or subscription plan is exclusive of all taxes. If we believe, in our sole discretion, that any Member of Rai Financial paid services are in breach of our Terms or act outside of the letter or spirit of our Terms, we reserve the right to add limitations to your access to our service, up to and including terminating all access to shopsimplio.com In this case, the Member in question is not eligible for any refunds on any portion of their subscription payment.

Membership
This Membership Agreement (“Agreement”) was entered into between you (“Client”) and Rai Financial (“Rai Financial “). Clients and Rai Financial can also be called “Parties” or “Party”. This Agreement will become effective once registered on the service (“Effective Date”).
By accepting this agreement you acknowledge knowing that a becoming a member does not guarantee approval of Rai Financial purchasing credit account and that the annual membership fee is non refundable.

FCRA and Product Shipment
At times in the application process, we may require additional documents for Address Verification and identity information. We will relay that to you via email, text and phone call. It is the Client responsibility to fill the FCRA form in a timely manner. Incompletion of the form will not warrant a refund or cancellation of the membership.
Whether a credit purchasing account is approved or pending approval we will process your order for shipping.

Payment Terms

Rai Financial reserves the right to change prices at any time in its sole discretion, and such changes or modifications will be published online on the site and will take effect immediately without the need for further notice to any Customer or user.
The remaining balance of the total cost of the Services after the Down Payment is made will be paid in 30days in the amount of the invoice billed (“Monthly Payments”) on every month beginning on the effective date of this contract.
Membership renews yearly for the same amount that was originally signed for.
With the exception of Rai Financial Membership, all prices in Rai Financial are displayed as monthly installments. You will be required to pay exactly 2 (two) monthly installments for any given product that is not Rai Financial Membership. Any failure to properly finance both installments may reflect negatively on your credit file. Payment terms are not negotiable.

Pricing
The price of our services can be found on our website. The price is configured and determined based on the type of service requested. The price of our services can be found on our website. Some of our products may have a different price than the one published on the website. In such cases, we always inform customers about the price difference and decide whether they purchase or not. All prices for this Website Services are displayed in USD and are exclusive of tax.

Membership Cancellation
You may cancel your membership at any time. To cancel email us at: support@raifinancialmgt.com and follow the instructions we provide, if any, we provide to you in response to your cancellation request. You will be responsible for all membership fees incurred for the then-current membership period. If you cancel, your cancellation will be effective immediately, but Rai Financial will allow you to access the membership features until the most recently paid-up membership period ends, and then we will terminate your access. Though you cancel your membership at any time, the annual membership fee is non refundable.
Please be aware that any fee or membership plan is exclusive of all taxes. If we believe, in our sole discretion, that any Member of Rai Financial paid services are in breach of our Terms or act outside of the letter or spirit of our Terms, we reserve the right to add limitations to your access to our service, up to and including terminating all access to shopsimplio.com In this case, the Member in question is not eligible for any refunds on any portion of their subscription payment.

Intellectual property
All the contents of this site, including, among others, web pages, source codes, calculations, products, materials, data, information, text, screens, features, services, design, design, screen interfaces, text, graphics, images, graphics, logos, podcast and video files (collectively, the “Content”), are owned by Rai Financial or its affiliates, or content providers, merchants, sponsors and licensors, and all rights, titles, and interests they remain the property of Rai Financial and/or third parties. All content is protected by commercial laws, copyrights, patents and trademarks, and by other intellectual property rights and unfair competition. You are only authorized to view and keep a copy of the pages of the site for personal and non-commercial use. It is also possible to view and make copies of documents, pages, images or other relevant materials on this site for commercial transactions with Rai Financial . You consent not to reproduce, distribute, frame, modify, replicate, sell, display, transmit, create copied works, participate in the transfer of, publish on the World Wide Web, or in any way distribute or exploit the Site, or any part. of the Site, for any public or commercial use without the express written consent of Rai Financial In addition, the user agrees not to (i) remove or alter any author, trademark or other property note or legend that is displayed on the Site (or printed pages produced by the Site); or (ii) make any other change to any document obtained from the Site that is not related to the completion of the information necessary to conduct commercial transactions with Rai Financial . As a condition of using this site, you guarantee that you do not use it for illegal purposes or prohibited by these terms of use.

Modifications to Services
Rai Financial reserve the right to modify this Agreement at any time and without prior notice, by posting the modified Terms of Use, which can always be accessed through the Terms of Use link on the homepage of this site. Your continued use of this site after Our MODIFICATION NOTICE OR NEW CONDITIONS OF USE OF THIS SITE SHALL CONSTITUTE ACCEPTANCE OF THE MODIFICATION OR NEW CONDITIONS OF USE. You agree that Rai Financial shall not be liable to you or any third party for any modification, suspension, interruption or termination of the Services.

Reports by Consumers
Rai Financial may request consumer reports and information related to you in connection with your request for our product (a “Qualification Request”) or to send an application for a Rai Financial product on the site (“Product Request”). ), as described below. These consumer relationship requests are governed by the Fair Credit Information Act, which requires that any person who uses a consumer report have a permitted purpose. An allowed purpose includes when a consumer (in this case, the user) provided written instructions to the user of the consumer’s reports (in this case, Rai Financial ) to obtain such reports. These consumer reports may be requested from one or more national credit reporting agencies in the United States, such as Experian and Equifax (collectively, “Credit Agencies”).

Consumer reports for your own Use
According to the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act, you are allowed to receive a free credit report from each of the three national credit reporting agencies (Experian and Equifax) during any period of time. twelve months. You can also receive free credit reports, as allowed by state law; Contact your state or local consumer protection agency or the state attorney general to learn more about your rights under state law.

Qualification Inquiry
During your Qualifying inquiry, we can conduct a qualification inquiry (known as a “soft credit withdrawal”) through the Credit Services to decide if you initially qualify for any of our product. This query does not affect your credit score. You declare that your Site inquiry Query is a transaction that you initiated with Rai Financial . You also agree and accept that by tendering your inquiry Query on the Site during the inquiry process, you are providing written instructions for Targeting under the Fair Credit Reporting Act, which allows Us to receive data from your own credit profile and/or other information from the credit agencies. Upon your inquiry, You will be informed by us of both the name and address (“data”) of any credit agency from which we obtained your consumer report.

Cookies Ability to Accept.
We employ the use of cookies. By accessing Rai Financial , you agreed to use cookies in agreement with the Rai Financial ‘s Privacy Policy.
Most interactive websites use cookies to let us retrieve the user’s details for each visit. Cookies are used by our website to enable the functionality of certain areas to make it easier for people visiting our website. Some of our affiliate/advertising partners may also use cookies.

License
Unless otherwise stated, Rai Financial and/or its licensors own the intellectual property rights for all material on Rai Financial . All intellectual property rights are reserved. You may access this from Rai Financial for your own personal use subjected to restrictions set in these terms and conditions.
All the contents of this site, including, among others, web pages, source codes, calculations, products, materials, data, information, text, screens, features, services, design, design, screen interfaces, text, graphics, images, graphics, logos, podcast and video files (collectively, the “Content”), are owned by Rai Financial or its affiliates, or content providers, merchants, sponsors and licensors, and all rights, titles, and interests they remain the property of Rai Financial and/or third parties. All content is protected by commercial laws, copyrights, patents and trademarks, and by other intellectual property rights and unfair competition. You are only authorized to view and keep a copy of the pages of the site for personal and non-commercial use. It is also possible to view and make copies of documents, pages, images or other relevant materials on this site for commercial transactions with Rai Financial . You consent not to reproduce, distribute, frame, modify, replicate, sell, display, transmit, create copied works, participate in the transfer of, publish on the World Wide Web, or in any way distribute or exploit the Site, or any part. of the Site, for any public or commercial use without the express written consent of Rai Financial In addition, the user agrees not to (i) remove or alter any author, trademark or other property note or legend that is displayed on the Site (or printed pages produced by the Site); or (ii) make any other change to any document obtained from the Site that is not related to the completion of the information necessary to conduct commercial transactions with Rai Financial . As a condition of using this site, you guarantee that you do not use it for illegal purposes or prohibited by these terms of use.
You must not:
• Republish material from Rai Financial
• Sell, rent or sub-license material from Rai Financial
• Reproduce, duplicate or copy material from Rai Financial
• Redistribute content from Rai Financial

This Agreement shall begin on the date hereof.
Parts of this website offer an opportunity for users to post and exchange opinions and information in certain areas of the website. Rai Financial does not filter, edit, publish or review Comments prior to their presence on the website. Comments do not reflect the views and opinions of Rai Financial , its agents and/or affiliates. Comments reflect the views and opinions of the person who post their views and opinions. To the extent permitted by applicable laws, Rai Financial shall not be liable for the Comments or for any liability, damages or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website.
Rai Financial reserves the right to monitor all Comments and to remove any Comments which can be considered inappropriate, offensive or causes breach of these Terms and Conditions.
You warrant and represent that:
• You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;
• The Comments do not invade any intellectual property right, including without limitation copyright, patent or trademark of any third party;
• The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material which is an invasion of privacy
• The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You hereby grant Rai Financial a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.

Hyperlinking to our Content
The following organizations may link to our Website without prior written approval:
• Government agencies;
• Search engines;
• News organizations;
• Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and
• System wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party’s site.

We may consider and approve other link requests from the following types of organizations:
• commonly-known consumer and/or business information sources;
• dot.com community sites;
• associations or other groups representing charities;
• online directory distributors;
• internet portals;
• accounting, law and consulting firms; and
• educational institutions and trade associations.

We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of Rai Financial ; and (d) the link is in the context of general resource information.
These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.
If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to Rai Financial . Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.
Approved organizations may hyperlink to our Website as follows:
• By use of our corporate name; or
• By use of the uniform resource locator being linked to; or
• By use of any other description of our Website being linked to that makes sense within the context and format of content on the linking party’s site.

No use of Rai Financial ‘s logo or other artwork will be allowed for linking absent a trademark license agreement.

iFrames
Without prior approval and written permission, you may not create frames around our Webpages that alter in any way the visual presentation or appearance of our Website.

Content Liability
We shall not be hold responsible for any content that appears on your Website. You agree to protect and defend us against all claims that is rising on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Your Privacy
Please read Privacy Policy

Reservation of Rights
We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amen these terms and conditions and it’s linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

Product Application
In connection to any Product you Order, we can make a credit inquiry (known as “hard credit” or “heavy credit consultation”) through Credit Services to authenticate your identity, make application decisions and other related purposes. This survey will be recorded in your credit history and may affect your credit score. You certify that the sending of your product request on the site is a transaction that started with Rai Financial . You understand and recognize even more by inserting and submitting your Social Security number during the product application process, providing written instructions to sign under the Fair Credit Reporting Act, which allows Us to obtain information on your personal credit profile and/or other information from credit agencies. Upon your demand, we will notify you of the name and address of any credit department from which your consumer report was obtained.

In the event that We decide not to offer any of our product to you based on our consumer report, Rai Financial will inform this decision in line with the Fair Credit Reporting Act.

Monitoring
We reserve the right, but not the obligation, to monitor access to and use of this site without notice to the user. We may register or register your use in a manner consistent with the provisions of our Privacy Policy, accessible through the Privacy Policy link on the home page of this site.
If your application is approved, and you are accepted, you approve Rai Financial to procure consumer reports in the form of a soft credit Pull different times during the duration of your Rai Financial membership with the monitoring and maintenance of that product.

Storage and security
You are responsible for storing and backing up your data for your own purposes. You are responsible for the security and encryption of any confidential or private content or data.

Limitations of the user
By using any part and/or functionality on the Site or the Services, you agree to comply with the following Code of Conduct.

You can not:
• Copy, modify, create derivative work, attempt to discover any source code of the Site or Services;
• Remove or obscure the notice of copyright or other communications that appear in relation to the content accessible through the Site or the Services;
• Interfere or interrupt the resources, services, servers, and networks of the site connected to the site or disobey any requirement, procedure, policy or regulation of networks connected directly or indirectly to the site;
• Change the website or Services in any manner, or use altered versions of the Website, including (without limitation), in order to gain unauthorized access to the Site or the Services;
• Reproducing, printing, storing, storing or distributing the content retrieved from the Site or the Services in any form, for any commercial use without the prior written permission of Rai Financial ;
• Sell, assign, license or transfer any right in the Services or content accessible through the Site;
• Access the site or services by any means other than the interface provided by Rai Financial ;
• Violate the restrictions on any robot exclusion headers on the Site or on the Services, if any, or circumvent or circumvent other measures used to prevent or restrict access to the Site or the Services;
• Collect or store personal data in other users of the site or services;
• Engage in actions that infringe the privacy rights of others, including, but not limited to, assembling and spreading data about Internet users without their consent, except as authorized by applicable law; or
• Use the site or services to violate any law (local, state, national or international), intentionally or not.
• You can not send automated queries of any kind to the Site, including:
• using any software that sends queries to determine how a site or “page” classifies for multiple queries;
• “Meta-search”; search “offline” on the site.

Technical requirements
Utilization of the Services requires Internet access through your PC or cell phone. You are responsible for all charges of mobile operators resulting from the use of the Services, including notifications provided by the Services. Rai Financial does not guarantee that the Services will be compatible with all devices or will be supported by all mobile operators.

Removal of links from our website
If you find any link on our Website that is offensive for any reason, you are free to contact and inform us any moment. We will consider requests to remove links but we are not obligated to or so or to respond to you directly.
We do not ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

Disclaimer
To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website. Nothing in this disclaimer will:
• limit or exclude our or your liability for death or personal injury;
• limit or exclude our or your liability for fraud or fraudulent misrepresentation;
• limit any of our or your liabilities in any way that is not permitted under applicable law; or
• exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.
As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.
WE DO NOT GIVE WARRANTY ABOUT OUR PRODUCTS, SERVICES, MATERIALS YOU ACCEPT THAT THE SOFTWARE, PRODUCTS, SERVICES OR MATERIALS PROGRAM IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM LIMIT PERMITTED BY APPLICABLE LAW, ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, ADEQUACY TO A PARTICULAR PUBLIC AND CONTACT WITH THE PUBLIC. WE DO NOT WARRANT THAT THE SOFTWARE, PRODUCTS, SERVICES OR MATERIALS WILL BE FUNCTIONAL, UNINTERRUPTED, ACCURATE, COMPLETE OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED OR THAT ANY PORTION OF THE SITE, THE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE SOFTWARE, PRODUCTS OR SERVICES OR MATERIALS ON THIRD PARTY SITES IN TERMS OF YOUR MAIL, ACCURACY, PUBLIC TIME, RELIABILITY OR OTHER. WE DO NOT GUARANTEE IN ANY MANNER THAT THIS SERVICE IS SAFE OR UNINTERRUPTED; THE INFORMATION, TEXT, GRAPHICS, LINKS OR OTHER ARTICLES CONTAINED IN THESE MATERIALS WILL BE ACCURATE AND COMPLETE. WE CAN MAKE CHANGES TO THESE MATERIALS AT ANY TIME WITHOUT PRIOR NOTICE. WE DO NOT HAVE ANY COMMITMENT TO UPDATE THE MATERIALS. NO ORAL ADVICE OR WRITTEN INFORMATION PROVIDED BY US, ITS EMPLOYEES, LICENSORS OR SIMILAR SHALL CREATE A WARRANTY; NOR CAN YOU RELY ON SUCH INFORMATION OR ADVICE. We are not accountable for any difficulty or technical failure of any network or transmission line, online computer systems, servers or providers, computer equipment, software, failure of any email due to technical problems or traffic congestion on the Internet or one of our services. or a combination thereof, including any injury or damage to the customer or to any computer connected or arising from the participation or download of materials (for the purpose of seeing only), in association with our Services Governing Law

Limitation of liability
We will not be responsible in any way for the service, requested or received through our website. We do accept any liability for mishaps, delays, wounds, harms, misfortunes, demise, loss of advantages, individual or business interferences, misapplication of data, physical or psychological illnesses, conditions or issues, or something else, because of any demonstration. or by the omission of any person or company, whether they are owners, employees, agents, joint venture partners, contractors, suppliers, affiliates or affiliates with us. We do not assume any responsibility for owners, employees, agents, joint venture partners, contractors, suppliers, affiliates or other parties engaged in executing our programs, products, services or program materials, or in any way or anywhere. In case you use our programs, products, services or materials of the program or any other information provided by us or affiliated with us, we do not assume any responsibility.

Issue of complaints
In no event shall we be liable for any direct, indirect, special, incidental, equitable or consequential damages for any use or reliance on our Programs, Products, Services or Materials of the Program, or those affiliated with us in any form, and frees us from any claim; Including, without limitation, those relating to loss of benefits, individual or business intrusions, individual damage, mishap, misapplication of data or some other misfortune, disease or physical or mental condition, or something else, regardless of whether we are expressly informed of the possibility of such harms. or difficulty

Indemnification
You agree to cancel and retain our employees, directors, agents, affiliates/partners, employees, shareholders, agents, branches, advertising related agencies and promotional activities, all external suppliers of information sources harmless of all and any damage, rights, losses, claims and actions that may result from textual or other materials in connection to our Service.
Moreover, you acknowledge to repay, shield and hold us safe from any conceivable interest or suite, guarantee, which may incorporate those of lawyer charges, made by a third party because of your use of our Service, your breach or violation of any part of these Terms of Use or any rights of a third party, any other omission or act by you.

Availability, errors, and inaccuracies
We are regularly updating our services (“service”) on our site. The products or services available on our Service may be incorrectly evaluated, incorrectly described or unavailable, and we may experience delays in updating information on the Service and our advertising on other sites.
We can not and do not ensure the accuracy or perfection of any data, including prices, item products, details, accessibility, and services. We reserve the right to change or update information and correct errors, inaccuracies or omissions at any time without notice.

Divisibility
If any provision, or any portion thereof, of this Agreement, is held to be invalid under any applicable law or legal provision, then, despite such provision (or part thereof), this Agreement will remain in effect for all purposes and such disposition effect or part of it is considered omitted.

Task
The present Contract and the rights granted and the obligations assumed in this document cannot be transferred, assigned or delegated in any way by the User, but can be transferred, assigned or delegated free of charge by Rai Financial

Total agreement
This Agreement constitutes the entire agreement between you and the Company in connection with the service and supersedes all prior or contemporaneous written or verbal agreements or agreements relating to the service.

Waiver
Any waiver of any provision of this Agreement or a delay of any party in the performance of any right herein provided shall not be construed as a continuing waiver or create an expectation of failure to perform such or any other provision or right.

Applicable law
These Conditions will be governed, interpreted and applied in accordance with the laws of Bergen County, New Jersey, as the case may be. If any provision of these Terms is deemed invalid or unenforceable by a court of competent jurisdiction, the remaining provisions of these Terms will remain in effect for all purposes. These Conditions constitute the entire agreement between us in relation to our Service and replace any previous agreements, oral or otherwise, relating to the Service.

Change
We have every right, at our sole discretion, to renew these Terms at any time. We will try to provide at least 15 days’ notice before the new terms come into effect. We will also indicate at the bottom of this page the date on which the last revisions were made. What constitutes a substantial change will be determined in our sole discretion. You should periodically review these Terms, as revised versions will be binding on you. Any such changes will take effect with the publication of new terms.
By continuing to access or use our services after such revisions take effect, you agree to be bound by the modified terms. If you do not accept the new terms, stop using the Service.

 

TERMS OF USE

Last updated November 08, 2020



AGREEMENT TO TERMS

These Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and RAI Financial ("Company", “we”, “us”, or “our”), concerning your access to and use of the https://raifinancialmgt.com website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the “Site”). You agree that by accessing the Site, you have read, understood, and agreed to be bound by all of these Terms of Use. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS OF USE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY.

Supplemental terms and conditions or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms of Use at any time and for any reason. We will alert you about any changes by updating the “Last updated” date of these Terms of Use, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Terms of Use to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms of Use by your continued use of the Site after the date such revised Terms of Use are posted.

The information provided on the Site is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Site from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

The Site is not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use this Site. You may not use the Site in a way that would violate the Gramm-Leach-Bliley Act (GLBA).

The Site is intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Site.


INTELLECTUAL PROPERTY RIGHTS

Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us, and are protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of the United States, international copyright laws, and international conventions. The Content and the Marks are provided on the Site “AS IS” for your information and personal use only. Except as expressly provided in these Terms of Use, no part of the Site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

Provided that you are eligible to use the Site, you are granted a limited license to access and use the Site and to download or print a copy of any portion of the Content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Site, the Content and the Marks.


USER REPRESENTATIONS

By using the Site, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information as necessary; (3) you have the legal capacity and you agree to comply with these Terms of Use; (4) you are not a minor in the jurisdiction in which you reside; (5) you will not access the Site through automated or non-human means, whether through a bot, script or otherwise; (6) you will not use the Site for any illegal or unauthorized purpose; and (7) your use of the Site will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof).


USER REGISTRATION

You may be required to register with the Site. 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.


PRODUCTS

We make every effort to display as accurately as possible the colors, features, specifications, and details of the products available on the Site. However, we do not guarantee that the colors, features, specifications, and details of the products will be accurate, complete, reliable, current, or free of other errors, and your electronic display may not accurately reflect the actual colors and details of the products. All products are subject to availability, and we cannot guarantee that items will be in stock. We reserve the right to discontinue any products at any time for any reason. Prices for all products are subject to change.


PURCHASES AND PAYMENT

We accept the following forms of payment:

-  Visa
-  Mastercard
-  American Express
-  Discover

You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Site. You further agree to promptly update account and payment information, including email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed. Sales tax will be added to the price of purchases as deemed required by us. We may change prices at any time. All payments shall be in U.S. dollars.

You agree to pay all charges at the prices then in effect for your purchases and any applicable shipping fees, and you authorize us to charge your chosen payment provider for any such amounts upon placing your order. If your order is subject to recurring charges, then you consent to our charging your payment method on a recurring basis without requiring your prior approval for each recurring charge, until such time as you cancel the applicable order. We reserve the right to correct any errors or mistakes in pricing, even if we have already requested or received payment.

We reserve the right to refuse any order placed through the Site. We may, in our sole discretion, limit or cancel quantities purchased per person, per household, or per order. These restrictions may include orders placed by or under the same customer account, the same payment method, and/or orders that use the same billing or shipping address. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers, or distributors.


RETURN POLICY

Please review our Return Policy posted on the Site prior to making any purchases.


PROHIBITED ACTIVITIES

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

As a user of the Site, you agree not to:

1 Use the Site in a manner inconsistent with any applicable laws or regulations.
2 Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site.
3 Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Site, or using or launching any unauthorized script or other software.
4 Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (“gifs”), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as “spyware” or “passive collection mechanisms” or “pcms”).
5 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 the Site or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Site.
6 Copy or adapt the Site’s software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
7 Delete the copyright or other proprietary rights notice from any Content.
8 Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Site to you.
9 Attempt to bypass any measures of the Site designed to prevent or restrict access to the Site, or any portion of the Site.
10 Decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Site.
11 Use the Site as part of any effort to compete with us or otherwise use the Site and/or the Content for any revenue-generating endeavor or commercial enterprise.
12 Use any information obtained from the Site in order to harass, abuse, or harm another person.
13 Sell or otherwise transfer your profile.
14 Attempt to impersonate another user or person or use the username of another user.
15 Interfere with, disrupt, or create an undue burden on the Site or the networks or services connected to the Site.
16 Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
17 Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
18 Engage in unauthorized framing of or linking to the Site.
19 Make improper use of our support services or submit false reports of abuse or misconduct.
20 Circumvent, disable, or otherwise interfere with security-related features of the Site, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Site and/or the Content contained therein.
21 Use the Site to advertise or offer to sell goods and services.
22 Use a buying agent or purchasing agent to make purchases on the Site.
23 Make any unauthorized use of the Site, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.
24 Systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.


USER GENERATED CONTRIBUTIONS

The Site may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality, and may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Site, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, "Contributions"). Contributions may be viewable by other users of the Site and the Marketplace Offerings and through third-party websites. As such, any Contributions you transmit may be treated as non-confidential and non-proprietary. When you create or make available any Contributions, you thereby represent and warrant that:

1.  The creation, distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party.
2.  You are the creator and owner of or have the necessary licenses, rights, consents, releases, and permissions to use and to authorize us, the Site, and other users of the Site to use your Contributions in any manner contemplated by the Site and these Terms of Use.
3.  You have the written consent, release, and/or permission of each and every identifiable individual person in your Contributions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Site and these Terms of Use.
4.  Your Contributions are not false, inaccurate, or misleading.
5.  Your Contributions are not unsolicited or unauthorized advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation.
6.  Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libelous, slanderous, or otherwise objectionable (as determined by us).
7.  Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone.
8.  Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people.
9.  Your Contributions do not violate any applicable law, regulation, or rule.
10.  Your Contributions do not violate the privacy or publicity rights of any third party.
11.  Your Contributions do not contain any material that solicits personal information from anyone under the age of 18 or exploits people under the age of 18 in a sexual or violent manner.
12.  Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors;
13.  Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap.
14.  Your Contributions do not otherwise violate, or link to material that violates, any provision of these Terms of Use, or any applicable law or regulation.

Any use of the Site or the Marketplace Offerings in violation of the foregoing violates these Terms of Use and may result in, among other things, termination or suspension of your rights to use the Site and the Marketplace Offerings.


CONTRIBUTION LICENSE

By posting your Contributions to any part of the Site, you automatically grant, and you represent and warrant that you have the right to grant, to us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and license to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle, archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt (in whole or in part), and distribute such Contributions (including, without limitation, your image and voice) for any purpose, commercial, advertising, or otherwise, and to prepare derivative works of, or incorporate into other works, such Contributions, and grant and authorize sublicenses of the foregoing. The use and distribution may occur in any media formats and through any media channels.

This license will apply to any form, media, or technology now known or hereafter developed, and includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide. You waive all moral rights in your Contributions, and you warrant that moral rights have not otherwise been asserted in your Contributions.

We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Site. You are solely responsible for your Contributions to the Site and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.

We have the right, in our sole and absolute discretion, (1) to edit, redact, or otherwise change any Contributions; (2) to re-categorize any Contributions to place them in more appropriate locations on the Site; and (3) to pre-screen or delete any Contributions at any time and for any reason, without notice. We have no obligation to monitor your Contributions.


GUIDELINES FOR REVIEWS

We may provide you areas on the Site to leave reviews or ratings. When posting a review, you must comply with the following criteria: (1) you should have firsthand experience with the person/entity being reviewed; (2) your reviews should not contain offensive profanity, or abusive, racist, offensive, or hate language; (3) your reviews should not contain discriminatory references based on religion, race, gender, national origin, age, marital status, sexual orientation, or disability; (4) your reviews should not contain references to illegal activity; (5) you should not be affiliated with competitors if posting negative reviews; (6) you should not make any conclusions as to the legality of conduct; (7) you may not post any false or misleading statements; and (8) you may not organize a campaign encouraging others to post reviews, whether positive or negative.

We may accept, reject, or remove reviews in our sole discretion. We have absolutely no obligation to screen reviews or to delete reviews, even if anyone considers reviews objectionable or inaccurate. Reviews are not endorsed by us, and do not necessarily represent our opinions or the views of any of our affiliates or partners. We do not assume liability for any review or for any claims, liabilities, or losses resulting from any review. By posting a review, you hereby grant to us a perpetual, non-exclusive, worldwide, royalty-free, fully-paid, assignable, and sublicensable right and license to reproduce, modify, translate, transmit by any means, display, perform, and/or distribute all content relating to reviews.


SUBMISSIONS

You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information regarding the Site or the Marketplace Offerings ("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. You hereby waive all moral rights to any such Submissions, and you hereby warrant that any such Submissions are original with you or that you have the right to submit such Submissions. You agree there shall be no recourse against us for any alleged or actual infringement or misappropriation of any proprietary right in your Submissions.


THIRD-PARTY WEBSITES AND CONTENT

The Site may contain (or you may be sent via the Site or the Marketplace Offerings) links to other websites ("Third-Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third Party Websites accessed through the Site or any Third-Party Content posted on, available through, or installed from the Site, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-PartyContent does not imply approval or endorsement thereof by us. If you decide to leave the Site and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Terms of Use no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Site or relating to any applications you use or install from the Site. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us harmless from any harm caused by your purchase of such products or services. Additionally, you shall hold us harmless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.


SITE MANAGEMENT

We reserve the right, but not the obligation, to: (1) monitor the Site for violations of these Terms of Use; (2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms of Use, including without limitation, reporting such user to law enforcement authorities; (3) in our sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable (to the extent technologically feasible) any of your Contributions or any portion thereof; (4) in our sole discretion and without limitation, notice, or liability, to remove from the Site or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems; and (5) otherwise manage the Site in a manner designed to protect our rights and property and to facilitate the proper functioning of the Site and the Marketplace Offerings.


PRIVACY POLICY

We care about data privacy and security. Please review our Privacy Policy: https://raifinancialmgt.com/privacy-policy. By using the Site or the Marketplace Offerings, you agree to be bound by our Privacy Policy, which is incorporated into these Terms of Use. Please be advised the Site and the Marketplace Offerings are hosted in the United States. If you access the Site or the Marketplace Offerings from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Site, you are transferring your data to the United States, and you expressly consent to have your data transferred to and processed in the United States.


TERM AND TERMINATION

These Terms of Use shall remain in full force and effect while you use the Site. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS OF USE, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SITE AND THE MARKETPLACE OFFERINGS (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TERMS OF USE OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SITE AND THE MARKETPLACE OFFERINGS OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.

If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.


MODIFICATIONS AND INTERRUPTIONS

We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Site. We also reserve the right to modify or discontinue all or part of the Marketplace Offerings without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site or the Marketplace Offerings.

We cannot guarantee the Site and the Marketplace Offerings will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Site, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Site or the Marketplace Offerings at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Site or the Marketplace Offerings during any downtime or discontinuance of the Site or the Marketplace Offerings. Nothing in these Terms of Use will be construed to obligate us to maintain and support the Site or the Marketplace Offerings or to supply any corrections, updates, or releases in connection therewith.


GOVERNING LAW

These Terms of Use and your use of the Site and the Marketplace Offerings are governed by and construed in accordance with the laws of the State of New Jersey applicable to agreements made and to be entirely performed within the State of New Jerseywithout regard to its conflict of law principles.


DISPUTE RESOLUTION

Binding Arbitration

If the Parties are unable to resolve a Dispute through informal negotiations, the Dispute (except those Disputes expressly excluded below) will be finally and exclusively resolved by binding arbitration. YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association ("AAA") and, where appropriate, the AAA’s Supplementary Procedures for Consumer Related Disputes ("AAA Consumer Rules"), both of which are available at the AAA website www.adr.org. Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA Consumer Rules and, where appropriate, limited by the AAA Consumer Rules. The arbitration may be conducted in person, through the submission of documents, by phone, or online. The arbitrator will make a decision in writing, but need not provide a statement of reasons unless requested by either Party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so. Except where otherwise required by the applicable AAA rules or applicable law, the arbitration will take place in Bergen County, New Jersey. Except as otherwise provided herein, the Parties may litigate in court to compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.

If for any reason, a Dispute proceeds in court rather than arbitration, the Dispute shall be commenced or prosecuted in the state and federal courts located in Bergen County, New Jersey, and the Parties hereby consent to, and waive all defenses of lack of personal jurisdiction, and forum non conveniens with respect to venue and jurisdiction in such state and federal courts. Application of the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transaction Act (UCITA) are excluded from these Terms of Use.

In no event shall any Dispute brought by either Party related in any way to the Site be commenced more than one (1) years after the cause of action arose. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.

Restrictions

The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. The the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.

Exceptions to Arbitration

The Parties agree that the following Disputes are not subject to the above provisions concerning binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.


CORRECTIONS

There may be information on the Site that contains typographical errors, inaccuracies, or omissions that may relate to the Marketplace Offerings, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Site at any time, without prior notice.


DISCLAIMER

THE SITE IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SITE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE’S CONTENT OR THE CONTENT OF ANY WEBSITES LINKED TO THIS SITE AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE SITE, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE SITE. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SITE, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.


LIMITATIONS OF LIABILITY

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE six (6) mONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISINGCERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.


INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (1) your Contributions; (2) use of the Site; (3) breach of these Terms of Use; (4) any breach of your representations and warranties set forth in these Terms of Use; (5) your violation of the rights of a third party, including but not limited to intellectual property rights; or (6) any overt harmful act toward any other user of the Site with whom you connected via the Site. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.


USER DATA

We will maintain certain data that you transmit to the Site for the purpose of managing the performance of the Site, as well as data relating to your use of the Site. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Site. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.


ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

Visiting the Site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SITE. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.


CALIFORNIA USERS AND RESIDENTS

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.


MISCELLANEOUS

These Terms of Use and any policies or operating rules posted by us on the Site or in respect to the Site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms of Use shall not operate as a waiver of such right or provision. These Terms of Use operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Terms of Use is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms of Use and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Terms of Use or use of the Site. You agree that these Terms of Use will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms of Use and the lack of signing by the parties hereto to execute these Terms of Use.


CONTACT US

In order to resolve a complaint regarding the Site or to receive further information regarding use of the Site, please contact us at:

RAI Financial
1340 Teaneck Road Floor 2
Teaneck, NJ 07666
United States
Phone: (+1)877-379-3001
support@raifinancialmgt.com

CONSENT FOR ONLINE STATEMENTS

By electing to receive online e-Statements, you agree to receive and access your monthly periodic billing statement electronically. You will receive an email from us notifying you when your current RAI Financial Account statement is available. To view your billing statement you must click on the link in the email notification or sign in at ncdfinancial.com to access, view or print your statement. We reserve the right to send you paper statements at our discretion, even if you have given us consent to provide your statements electronically. If the email address you have provided to us is not deliverable, you will receive paper statements until the time you provide us a new valid email address. Once you have provided a new email address, you will begin to receive e-Statements.

You will continue to receive e-Statements other than in the two situations described above. If you wish to change your preference to not receive e-Statements and instead to receive paper statements, you must sign in at www.raifinancialmgt.com to change your preference from e-Statement delivery to paper statements. You may opt to change your preference at any time.

Communications may be sent to your email address provided to us by you. Communications may include your name and information about your Credit Account, including your balance or the due date. Electronic communications may be disclosed to any party with access to your Credit Account or email account. All communications in either electronic or paper format from us to you will be considered “in writing.”

By accepting e-statements, you agree to:
• Receive this information electronically, access and retain any disclosures received. To do this you will need a desktop or laptop personal computer with a minimum web browser that supports 128 bit encryption.
• Have ability to receive and read email.
• Receive statements electronically and confirm that you will download or print the statements for your records, acknowledge that you can access information that is provided electronically at this website.
• Acknowledge that you are providing your consent to receive electronic communications pursuant to the Electronic Signatures in Global and National Commerce Act and our intent that this statute applies to the fullest extent possible.

Important Notice: You understand that the information you have elected to receive is confidential in nature. We are not responsible for unauthorized access by third parties to information and/or communications provided electronically or any damages caused by unauthorized access. We are not responsible for delays in the transmission of any information. We are not responsible for any computer virus or related problems.

If your email address changes, you are required to notify us. You have the option to receive any information provided electronically in paper form. To receive specific information in paper form, or to notify us of a change in your email address, contact us at support@raifinancialmgt.com. You may also write us at RAI FINANCIAL LLC, 1340 Teaneck Road, Floor 2, Teaneck, NJ 07666.

Additional Mobile Technology Requirements: If you are accessing our site and the disclosures electronically via a mobile device (such as a smartphone, tablet, and the like), in addition to the above requirements you must make sure that you have software on your mobile device that allows you to print and save the statements presented to you. These applications can be found for most mobile devices in the device’s respective “app store.” If you do not have these capabilities on your mobile device, please access our site through a device that provides these capabilities.

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