1. Using Our Websites.

REFERMEIQ™ is a trade name and product of FiPath4Advisors, LLC. By using the information, tools, features and functionality located on REFERMEIQ.COM (together the “Service”), you agree to be bound by this Agreement, whether you are a “Visitor” (which means that if you simply browse the FiPath4Advisors.com) or you are a “Member” (which means that you have registered with these website’s).

PLEASE READ THESE TERMS OF USE CAREFULLY. They apply to websites controlled by FiPath4Advisors, LLC. and/or its subsidiary and affiliated entities (collectively, “FiPath ”, “we”, “us”, or “our”) where these terms of use are posted, and to your use of any content, materials, features, and services offered on them. Our websites expressly include any FiPath4Advisors top-level-domain as well as any FiPath4Advisors redirects to FiPath4Advisors branded areas and sub-domains of third-party websites (as such websites and top-level-domains may be renamed from time to time). These terms of use do not apply to those of our websites, if any, that have their own terms of use.

Think of these terms of use as rules for your interaction with our websites. If you are a minor, please understand that this website is intended only for use by users who are at least 18 years of age.

If you accept this Agreement, you represent that you have the capacity to be bound by it or if you are acting on behalf of a company or entity that you have the authority to bind such entity. Before you continue, you should print or save a local copy of this Agreement for your records.

Other terms may apply to your use of a specific portion of our websites. If there is a conflict between these terms of use and terms posted for a specific portion of our websites, the latter terms apply to your use of that portion of our websites.

By using our websites, you acknowledge that you have read these terms of use and agree to them. You also acknowledge that these terms of use are supported by reasonable and valuable consideration, which includes your use and enjoyment of our websites, the content, materials, features, and services offered on them, and our review, use, or display of any content or materials you share with us. Your access to and use of our websites are subject to these terms of use, as well as all applicable laws and regulations. If you do not accept and agree to be bound by all of these terms of use, you are not authorized to access or otherwise use our websites or any information, contents, tools or services contained on our websites.

If you have any questions about these Terms of Use, please contact us.

2. Updates to these Terms of Use.

We may update these terms of use at any time. You are responsible for periodically reading them. If you use any of our websites after we have updated these terms of use, you acknowledge that you have read the updated terms of use and agree to follow them. Unless otherwise indicated, any new content, products and services added to these websites will also be subject to these terms of use effective upon the date of any such addition.

3. Privacy Policy Statement.

To understand how and what information we collect, and how we may use or disclose such information, please carefully read our privacy policy statement. By using our websites, you acknowledge that you have read our privacy policy statement and consent to our privacy practices. You further affirm your consent by becoming a registered member or submitting content or materials to or through our websites.

If you are a minor, please understand that this website is intended only for use by users who are at least 18 years of age.

4. Member Registration, Profiles, Screen Names, Passwords, and Security.

The features and functionality available for your use on the website are dependent upon plan subscription you select. In addition, you are accepting our invitation to receive periodic communications such as our newsletter, selected promotions and other information to enhance the value we provide to you. We promise not to inundate you with such information and at any time you would like us to discontinue sending you a communication simply follow the “Unsubscribe” instructions on the email.

We do not guarantee that any information you provide will not be intercepted by a third party during transmission over any public networks or otherwise. You bear the risk of communicating with us electronically and we are not responsible for any resulting loss or damage.

5. Using the Content on Our Websites; Not a Financial Planner, Broker or Tax Advisor.

WE DO NOT PROVIDE LEGAL, TAX OR FINANCIAL ADVICE, NOR ARE WE FINANCIAL PLANNERS, BROKERS OR TAX ADVISORS. YOUR PERSONAL FINANCIAL SITUATION IS UNIQUE, AND ANY INFORMATION YOU OBTAIN FROM OUR WEBSITES MAY NOT BE APPROPRIATE FOR YOUR SITUATION. ACCORDINGLY, BEFORE MAKING ANY FINAL DECISIONS OR IMPLEMENTING ANY FINANCIAL STRATEGY, YOU SHOULD OBTAIN ADVICE FROM YOUR ACCOUNTANT OR OTHER FINANCIAL ADVISERS WHO ARE FULLY AWARE OF YOUR INDIVIDUAL CIRCUMSTANCES. WE MAKE NO REPRESENTATIONS OR WARRANTIES WHATSOEVER REGARDING ANY BROKER, TAX ADVISOR, FINANCIAL PLANNER, ATTORNEY, FINANCIAL ADVISOR, OR OTHER PROFESSIONAL, WHETHER OR NOT ANY SUCH PERSON IS IDENTIFIED OR CONTRIBUTES INFORMATION ON OUR WEBSITES.

The content on our websites (including, but not limited to, characters, logos, graphics, illustrations, website layout and design, text, stories, images, audio and video, software, and images, files, or data incorporated in the software or generated by the software) is owned, controlled, or licensed by or to us. It is protected by copyright, trademark, and other intellectual property laws and rights throughout the world. You may not copy, reproduce, distribute, publish, post, upload, transmit, adapt, modify or create derivative works of or from, publicly display or perform, or in any way exploit any content on our websites, unless you first request and obtain written permission from the owner of such content. If we choose to grant you additional rights to our content, you agree not to change or delete any proprietary notice on the content.

You may not use the name “FiPath ” , “REFERMEIQ™ or any mark, logo, or trade name owned or used by FiPath in any medium whatsoever, unless you first request and obtain written permission from us.

We retain all right, title, and interest in our websites and any content, features, products, or services offered on them, including any and all intellectual property rights. We reserve all rights not expressly granted.

To request additional rights to content on our websites, please contact us with all specifics necessary for us to consider and respond to your request.

6. Materials Posted on Our Websites

We do not endorse, control, or assume any responsibility, or liability for any content or materials you or others submit, post, or share on or through our websites, including any screen names, photos, graphics, ideas, images, creative works, and text.

Unless otherwise agreed in writing your participating and interacting with our websites, posting a message, or sending us your thoughts, you are telling us that we can use or publish your screen name or repeat and use your message. We can use such information in any way we want, anywhere, even in an advertisement.

Unless otherwise agreed in writing, the posting, sharing or otherwise providing any such materials, you agree to grant us an irrevocable, perpetual, royalty-free license to:

a. use, modify, copy, distribute, and publicly perform and display any such materials and content, with or without attribution of your screen name, in whole or in part, throughout the universe in any and all media, now known or hereinafter devised, alone, or together as part of other material of any kind or nature, including without limitation, for commercial use, advertising, and promotional purposes;

b. publish your screen name with such materials; and

c. give or transfer these rights to others.

You also represent and warrant that you have all the rights necessary for you to grant these rights and that the use and publication of the content does not violate or infringe the rights of any third party or breach any law, including if such materials contain the name, voice, likeness or image of any individual.

We retain the right, but not the obligation, to monitor the content and materials posted on our websites. We may, at our sole discretion, remove any materials and content that you or others post, share or otherwise provide to our websites at any time without notice.

7. Unsolicited Ideas and Feedback

Neither we nor our employees accept or consider unsolicited ideas, including those for new or improved products or technologies, product enhancements, processes, marketing plans, or product names. The purpose of this policy is to avoid any potential misunderstandings or disputes if our offerings or strategies seem similar to ideas that you submitted to us.

If you choose to send us your ideas anyway, through our websites or otherwise, you agree that:

a. your ideas automatically become our property, without any compensation to you;

b. we can commercialize these ideas and use them for any purpose and in any way; and

c. we can give and transfer these ideas to others.

You also represent and warrant that such ideas are your original ideas and that you have all the rights necessary for you to grant us rights to them, as described above.

8. Prohibited Uses.

You may not reverse engineer, disassemble, or decompile, derive code or materials from, or capture any source, scripts, layouts, design, metadata, or other information accessible through our websites (including, without limitation, data packets transmitted to and from our websites), or analyze, decipher, “sniff”, derive code or materials from any packet stream to or from our websites, or attempt any of the foregoing. You expressly waive any legal rights you may have to do any of the foregoing, including any claim that such activities constitute “fair use” or are for “interoperability purposes” under the Digital Millennium Copyright Act.

Further, in using our websites, you may not:

a. violate these terms of use, infringe upon our rights or the rights of others (including, without limitation, intellectually property rights, rights of privacy such as unauthorized disclosure of a person’s name or email or physical address or phone number, and rights of publicity), or violate any laws;

b. conduct or solicit illegal or other activity that in any way harms us or any of our affiliates and business partners;

c. post, email, message, or otherwise make available through the website, any content that

i. incites, advocates, or expresses pornography, obscenity, vulgarity, profanity, hatred, bigotry, racism, or gratuitous violence,

ii. is intended to threaten, stalk, defame, defraud, degrade, victimize, or intimidate an individual or group of individuals for any reason,

iii. is illegal or violates any laws, including laws related to adult activities and content, child pornography, criminal activities, gambling, and drugs, or

iv. promotes an illegal or unauthorized copy of another person’s copyrighted work, such as providing pirated music or videos or computer programs, or links to such materials;

d. engage in commercial activities or sales, such as contests, sweepstakes, barter, advertising, or the buying or selling of “virtual” items, without our prior written permission;

e. disguise the origin of any message, communication, or transmittal you send to us through our websites;

f. use any robot, spider, scraper, or other automated or manual means to access our websites, or copy any content or information on our websites;

g. attempt to gain unauthorized access to any portion of our websites or any related networks or systems by hacking, password “mining”, or any other illegitimate means;

h. probe, scan, test the vulnerability of or breach the authentication measures of, our websites or any related networks or systems;

i. modify or reroute or attempt to reroute our websites;

j. link to our websites from any unsolicited bulk messages or unsolicited commercial messages (“spam”);

k. utilize framing, squeeze back, overlay or other techniques to enclose or display our websites or any content on our websites, with any other software or content of a third party; or

l. take any action that places a disproportionately large load on our websites or any related networks or systems.

We reserve the right, but not the obligation, to investigate and take appropriate legal action against anyone who we believe is violating these terms of use, including without limitation, removing any materials, suspending or terminating the registration of such violators, or suspending or terminating their right to use our websites.

9. Subscriptions.

a. Only registered members (the “Members”) are authorized to use the information and resources on the web site. All subscriptions are individual memberships or based upon the number of individual users regardless of whether or not such memberships were obtained under the Enterprise Plan.

b. User Obligations- Registered Members may not resell, assign, or transfer a subscription, use of service, or any content. Member agrees to pay all subscription fees and will be held responsible for any unauthorized use of a Member’s account of which the Member is aware. Further, the Member is responsible for taking reasonable measures to prevent access by unauthorized persons, including providing reasonable protection of its username and password.

10. Electronic Notices and Communications.

By visiting our websites or sending us email, you are communicating with us electronically. By communicating with us electronically, you agree that:

a. we may communicate with you electronically by email, or as appropriate, by posting general notices on our websites;

b. all notices, disclosures, and other communications that we send you electronically satisfy any legal requirement that such communications be in writing; and

c. any notices are deemed to be given and received on the date we transmit any electronic communication as described above.

11. Third-Parties.

Our websites may contain:

a. references to names, marks, data, content, products, or services of third parties;

b. links to third-party websites; and

c. descriptions of services and products provided by third parties.

These references, links, and descriptions are provided solely for your convenience. By including these references, we do not endorse these parties, their content, or any products and services they offer. These parties are not under our editorial or other control and we are not responsible for them, or the operation and availability of their websites. Therefore, any opinions, statements, products, services or other information expressed or made available by third party suppliers on this Website are those of such third party suppliers. We do not represent or endorse the accuracy or reliability of any opinion, statement or other information provided by any third party, or represent or warrant that your use of the content displayed on our websites or referenced content or service providers will not infringe rights of third parties not owned by or affiliated with us. All disclaimers and other notices associated with such materials shall apply and supplement these terms of use as to the individual content.

You are responsible for knowing when you are leaving our websites to visit a third-party website, and for reading and understanding the terms of use and privacy policy statements for each such third-party website. If you choose to deal with third parties, you agree that you have a direct relationship with them and are solely responsible for any such dealings. If you have concerns with any third-party website, please address them with the administrator of that website.

WE SHALL NOT BE RESPONSIBLE NOR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY DAMAGES OR LOSSES CAUSED OR ALLEGED TO BE CAUSED BY OR IN CONNECTION WITH THE USE OF OR RELIANCE ON THIRD-PARTY CONTENT, PRODUCTS, SERVICES OR OTHER MATERIALS AVAILABLE ON OUR OR ANY OTHER WEBSITES.

12. No Warranties.

We make no guarantee about the accuracy or reliability of the content, materials, features, and services.

WE DO NOT WARRANT THAT OUR WEBSITES OR ANY CONTENT, MATERIALS, FEATURES, OR SERVICE WILL BE ERROR-FREE, UNINTERRUPTED, PROVIDE YOU WITH SPECIFIC RESULTS, OR BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

THE CONTENT, MATERIALS, FEATURES, AND SERVICES ARE PROVIDED “AS-IS”, “WITH ALL FAULTS”, AND “AS AVAILABLE”. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING, BUT NOT LIMITED TO, THOSE OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, NON-INFRINGEMENT, AND SATISFACTORY QUALITY. YOU AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR ANY USE OR MISUSE OF THE CONTENT AND SERVICES PROVIDED ON OR THROUGH OUR WEBSITES AND FOR COMPLIANCE WITH ALL LAWS APPLICABLE TO SUCH USE.

WE MAKE NO REPRESENTATIONS OR WARRANTIES WHATSOEVER REGARDING ANY BROKER, TAX ADVISOR, FINANCIAL PLANNER, ATTORNEY, FINANCIAL ADVISOR, OR OTHER PROFESSIONAL, WHETHER OR NOT ANY SUCH PERSON IS IDENTIFIED OR CONTRIBUTES INFORMATION ON OUR WEBSITES

YOU MAY HAVE ADDITIONAL RIGHTS UNDER APPLICABLE LAW THAT PRECLUDE OR LIMIT THE EXCLCUSION AND DISCLAIMERS ABOVE.

13. Limitation of Liability.

NEITHER WE NOR ANY OF OUR RESPECTIVE LICENSORS OR SUPPLIERS WILL BE LIABLE TO YOU UNDER ANY THEORY OF LIABILITY, FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY, OR OTHER DAMAGES ARISING OUT OF YOUR USE OR INABILITY TO USE OUR WEBSITES OR ANY SERVICES OR INFORMATION AVAILABLE THROUGH THEM, INCLUDING, BUT NOT LIMITED TO LOSS OF REVENUES, LOSS OF PROFITS, OR LOSS OR CORRUPTION OF DATA, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE FOREGOING DISCLAIMER SHALL APPLY EVEN IF YOUR REMEDIES UNDER THIS AGREEMENT FAIL OF THEIR ESSENTIAL PURPOSE. YOU MAY HAVE ADDITIONAL RIGHTS UNDER APPLICABLE LAW THAT PRECLUDE OR LIMIT THE EXLCUSION AND DISCLAIMERS ABOVE.

14. Remedies.

IF YOU ARE DISSATISFIED WITH ANY OF THE CONTENT OR MATERIALS ON OUR WEBSITES, OR ANY SERVICES OR INFORMATION AVAILABLE THROUGH THEM, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE ACCESSING AND USING OUR WEBSITES OR SERVICES.

THE FOREGOING DISCLAIMER SHALL APPLY EVEN IF YOUR REMEDIES UNDER THIS AGREEMENT FAIL OF THEIR ESSENTIAL PURPOSE.

Without limiting any other rights and remedies available to us, we reserve the right, in our sole discretion and without prior notice, to end your access to our websites or block your future access to our websites for any reason.

You agree that any violation, or threatened violation, by you of these terms of use will cause us irreparable and unquantifiable harm. You also agree that monetary damages would be inadequate for such harm and consent to our obtaining any injunctive or equitable relief that we deem necessary or appropriate.

These remedies are in addition to any other remedies we may have at law or in equity.

15. Indemnity.

You agree to defend, indemnify, and hold us harmless from and against any and all claims, losses, liability, costs, and expenses (including attorney’s fees) arising from your use of our websites, violation of these terms of use, or violation of any third-party rights.

YOU AGREE TO WAIVE ANY AND ALL LAWS THAT MAY LIMIT THE EFFICACY OF ANY RELEASES CONTAINED IN THESE TERMS OF USE, INCLUDING THE PROVISIONS OF CALIFORNIA CIVIL CODE SECTION 1542.

16. Force Majeure.

We will not be deemed to be in breach of these terms of use or our privacy policy statement due to any event or circumstance beyond our reasonable control, including without limitation, war, invasion, failures of any public networks, electrical shortages, terrorist attacks, and earthquakes and other acts of God. We are not responsible for any loss, delay, or damage due to such events or circumstances.

17. No Agency Relationship.

Neither these terms of use, nor any content, materials, features, or products and services of our websites create any partnership, joint venture, employment, or other agency relationship between us. You may not enter into any contract on our behalf or bind us in any way.

18. Applicable Law.

You agree that all matters relating to your access to or use of our websites, including all disputes, will be governed by the laws of the United States and by the laws of the State of Georgia, without regard to its conflicts of laws rules. You agree to the personal jurisdiction by and venue in the state and federal courts of the State of Georgia. You also waive any objections to such jurisdiction or venue.

19. Contract Interpretation.

These terms of use, accepted by you upon use of our websites, and further affirmed by becoming a registered member or submitting content or materials to or through our websites, constitutes the entire agreement between you and us regarding the use of our websites.

All parts of these terms of use apply to the maximum extent permitted by law. We both agree that if we cannot enforce a part of this contract as written, then that part will be replaced with terms that most closely match the intent of the part we cannot enforce to the extent permitted by law. The invalidity of part of this contract will not affect the validity and enforceability of the remaining provisions.