RAI Financial is an ecommerce platform with a no turn down policy that helps individuals obtain a revolving line of credit to purchase products online.
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.
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.
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.
Access to the site and account registration
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 email@example.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
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.
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
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.
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.
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.
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.
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.
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.
You may cancel your membership at any time. To cancel email us at: firstname.lastname@example.org 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.
Modifications to 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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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.
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.
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
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.
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.
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.
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.
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 email@example.com. You may also write us at RAI FINANCIAL LLC, 1340 Teaneck Road, Floor 2, Teaneck, NJ 07666.
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