Last Updated: July 17, 2017
- Registration. In order to use the Site, you will be required to complete an initial registration form and become an "Authorised User". As part of such registration process, you will be required to provide Providers with certain personally identifiable information ("Personal Information") about yourself (collectively, "User Information") which you represent and warrant will be current, accurate, and complete at the time of registration. Providers reserve the right, at their sole discretion, to reject any registration for any lawful reason. Registrants whose request for access is rejected may not use the Site, attempt to re-register without Providers' prior express consent, or re-register using another individual's information. All Authorised Users agree to promptly update their User Information as necessary to ensure that such information at all times remains current, accurate, and complete.
- Fees. The Site is provided to you by the Providers without cost and for your convenience. If Providers elect to charge a fee in the future, Providers will do so in accordance and compliance with Section 5.
- changes to the Provider’s costs of funding or costs of providing a service;
- changes to regulatory or legislative requirements;
- changes that are reasonably necessary to protect the Provider’s legitimate business interests; or
Your continued use of the Site after such changes are first posted will constitute your agreement to and acceptance of any and all such changes. Therefore, it is recommended that you periodically check the Site for updates.
- Capacity to Contract. Use of the Site may result in the formation of contracts between residents of different states or jurisdictions, as the case may be. In order to use the Site, you must have the legal capacity to contract under the laws of the state or jurisdiction from which you are accessing the Site. Minors (i.e., individuals younger than the age specified by the applicable state or jurisdiction's law at which they can enter into a legally binding contract) may not use the Site. By using the Site, you represent that you have the legal capacity and authorization to form binding contracts.
- Consent to Electronic Transactions. Your affirmative actions in using the Site, such as clicking "I Accept", "Submit", "Yes" and the like, and/or down loading or up loading data, signify that you agree to, adopt, and execute the action or electronic record with the intention to be legally bound. "Electronic records" refer to records or information created, generated, sent, communicated, received, presented, or stored electronically. Such affirmative actions will have the same legal force, effect, validity, and enforceability as if you affixed a written signature to the electronic record, and such electronic signature and electronic record shall be deemed to satisfy the writing and delivery requirements of any applicable law. You agree to transmit, view, and receive electronic records through the Site via the Internet using your Password. Our electronic or other properly stored copy of such electronic signatures and electronic records shall be deemed to be the true, complete, valid, authentic, and enforceable copy of them. You agree not to contest the admissibility, legal effect, validity, or enforceability of such electronic signatures or electronic records in any proceedings arising out of the use of the Site. Further, you (a) acknowledge that, regardless of whether you are using a web browser with security features, we are unable to ensure that data contained in any related Internet transmission between us will not be intercepted by third parties, and (b) agree that Providers will not be liable should any such interception occur.
- you may elect to receive the Documents in writing by withdrawing your consent to receive electronic communications by calling your account representative or by addressing a withdrawal request by email to your account representative. A withdrawal request will not become effective sooner than 15 days from the date that you provide Providers with the requisite notice and you will remain responsible for all activity or transactions initiated prior to deactivation of your access privileges, including, without limitation, any applicable charges for the term during which the termination date occurred;
- your withdrawal of consent to receive electronic communications may result in imposition of other conditions, as Providers determine are necessary in their sole and reasonable discretion, including assessing charges to offset costs incurred by Providers in delivering written communications instead of electronic communications described herein. However, no such fees will be instituted unless published on the Site (or other commonly accessible website) for access and notice to users of such resources, or unless Providers otherwise provide you with written notice thereof. Notices by electronic publication will be deemed effective when posted or published on such site(s) for general dissemination, or upon such later time as the notice may indicate;
- your consent to receive electronic communications specifically under this section is limited to content and data relating to the Documents, and does not apply to other notices or communications between you and Providers;
- you may request a written copy of an electronic communication after consenting thereto, subject to: (i) your payment of the fees chargeable by Providers for producing and delivering such written copy, which Providers may determine and establish from time to time in their sole discretion; and (ii) Provider's record retention policy in effect from time to time;
- you are responsible to review electronic communications presented via the Site on a continuous basis; you are required to take any action to acknowledge, correct, or reply to electronic communications in a timely manner within such designated periods as may be established by Providers; and
- all electronic communications provided through the Site will be deemed to have been received by you at such time as they are made available on the Site by Providers, regardless of whether and when you actually review such electronic communications.
- Consent to Third Party Payments. You agree that payment of any amounts you owe pursuant to your financing or other agreements with Providers may be accepted by Providers from third party financial institutions and/or banks on your behalf without any additional consent from you. Such payments may be applied by Providers in the manner described by such third party financial institutions and/or banks or otherwise as set forth in your financing or other agreements with Providers.You agree to waive any claims against Providers for application of payments in accordance with directions from third party financial institutions and/or banks. Acceptance of any payments from third parties shall be at Providers' sole discretion and subject at all times to Providers' policies and procedures for acceptable forms of payment. Notwithstanding the authorizations contained herein, you agree that the obligation to pay any amounts owed to Providers shall remain your obligation and not that of any third parties making payment on your behalf.
- Information Accuracy. You warrant that you will only submit and/or post information on the Site that is accurate, complete, and not misleading. Providers do not review, check, or verify the accuracy or completeness, and are not responsible for the content of, any information submitted to, transmitted through, and posted on the Site by any Authorized User.
- User Conduct. You agree that you will not:
- Use the Site in any manner that could damage, disable, overburden, or impair the Site;
- Interfere with the security of, or otherwise abuse, the Site, or any services, system resources, accounts, servers, or networks connected to or accessible through the Site or affiliated or linked sites. The use or distribution of tools designed for compromising security (e.g., password guessing programs, spoofing, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, Providers reserve the right to release your details to system administrators at other websites in order to assist them in resolving security incidents;
- Disrupt or interfere with any other person's use of the Site or affiliated or linked sites;
- Attempt to obtain unauthorised access to the Site or portions of the Site that are restricted from general access;
- Use or attempt to use another's account, service, or system without prior written authorization from Providers;
- Create or use a false identity on the Site;
- Post or otherwise disseminate on or through the Site harassing, defamatory, libelous, tortious, offensive, threatening, obscene, or otherwise unlawful communications or materials of any kind, or materials that infringe or violate any third party's copyright, trademark, trade secrets, privacy, or other proprietary or property right or that could constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable law;
- Use any robot, spider, or other automatic device, or manual process to monitor or copy the web pages or the content contained at the Site;
- Allow access to or use of the Site or any component thereof by or for the benefit of third parties who are not Authorised Users, including, without limitation, providing timeshare services, service bureau services, outsourcing or consulting services, or displaying and/or demonstrating the Site or any content thereof or sharing, downloading, or copying any content or information from the Site, without Providers' prior written consent, or for any unlawful purpose or in furtherance of any unlawful purpose;
- Upload or transmit to Providers' computer systems any computer virus, worm, time bomb, or other harmful programming routine, or assist anyone else in doing so, directly or indirectly; and
- Frame any of the content of the Site, nor incorporate into another Site or other service any intellectual property of Providers or their licensors.
- Changes to or Suspension of Service. Providers reserve the right, at their sole discretion, to change, add, suspend, or discontinue any aspect of the Site at any time and for any reason.
- General Disclaimer of Warranties; Limitations of Liability.
- a. This site, the software, content, information, materials, service, documentation, reports, tools, and data is provided by providers on an "as is" and "as available" basis. You expressly agree that your use of this site is at your sole risk. The content, information, materials, documentation, reports, tools, and data included on or offered by this site or provided through this site or other means should not be quoted or otherwise referred to in any financial statements or in any other documents nor should it be furnished to any governmental agency or other person unless required by law.
To the full extent permissible by applicable law, providers and their respective affiliates disclaim any and all warranties, claims, or representations, either express, implied, or statutory, including, but not limited to, express or implied warranties of merchantability, fitness for a particular purpose, quality, performance, non-infringement, nor are there any warranties created by course of dealing, course of performance, course of conduct, or trade usage with respect to the operation of this site, software, content, information, materials, service, documentation, reports, tools, or data included on or offered by this site or provided through the use of this site or other means.
Providers and their respective affiliates do not represent or warrant that: this site and/or any software, content, information, materials, service, documentation, reports, tools, or data included on or offered by this site or provided through this site or other means will meet your needs or be correct, accurate, timely, reliable, free from errors; that defects will be detected or corrected; that the operation of this site or service will be uninterrupted or available; and/or that this site, its servers, or any e-mails sent from providers or their respective affiliates are free of viruses or other harmful components.
The foregoing exclusions and disclaimers are an essential part of this agreement and formed the basis for determining the offerings, components, and services offered under, by, and through this site and/or service.
- Providers will not be liable to you or any third-party claimant for any damages of any kind, under any theory of law or equity, whether for breach of contract, tort, indemnity, contribution, loss of business opportunity, loss of profits or sales, interference with commercial relationship or prospective business relationship, business interruption, loss of information, inaccurate disclosure or failure to disclose, or otherwise, arising from the use of or inability to use this site or the software, content, information, materials, service, documentation, reports, tools, or data provided through this site or other means including, but not limited to, indirect, third party, incidental, punitive, and consequential damages, even if advised of the possibility thereof. Notwithstanding the foregoing, in the event providers are found to be liable, our liability to you or to any third party is limited to u.s. $10,000 in the aggregate for any and all foregoing claims or damages of any kind. Further, in connection with any financing of inventory to you as obligor, the foregoing limitation of liability extends not only to providers but also to provider's licensors and its affiliates.
- Certain state or provincial laws may 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, exclusions, or limitations may not apply to you, and you might have additional rights.
- Disclaimer of Warranties; Limitations of Liability for any and all Forecasting Tools.
- All general disclaimers of warranties and limitations of liability set forth in section 14 above are incorporated by reference in this section 15 as if fully set forth in this subsection (a).
- In addition, you acknowledge and agree the following shall apply to any and all forecasting tools (together, the "tools")forecasts, results, outputs, outcomes, interactive visuals, and data generated from the use of tools:
- forecasts, results, outputs, outcomes, interactive visuals, and any and all data generated by, from, and through the tools are expressions of opinion, not statements of fact, which relate to future or contingent events, expectations, or probabilities which may or may not occur;
- there are no assurances that forecasts, results, outputs, and outcomes will actually be realized in whole or in part;
- even if the forecasts, results, outputs, and outcomes are substantially realized, there are no assurances that they will have the expected consequences to or effects on your business or operations;
- past results are not a guaranty of future forecasts, performance, results, outputs, or outcomes;
- the tools, forecasts, results, outputs, outcomes, interactive visuals, and any data generated from the use of the tools are based on certain assumptions, business rules (disclosed and undisclosed), statistical models, sources of internal and external inputs and variables, and analyses we have made in light of our experience and our perception of historical trends, current conditions, expected future developments, and other factors we believe are appropriate, but there is no guaranty any assumption, business rule, statistical model, source of internal and external input and variable, or analysis we have made is accurate, correct, complete, or suitable for your specific business and/or operational needs or use, any other purpose, or that any of them will accurately forecast future results, outputs, or outcomes;
- whether actual results, outputs, and outcomes will conform with forecasts generated by and from the tools are subject to a number of factors, risks, errors, inaccuracies, and uncertainties beyond our control, and you assume all risks resulting from the use of and reliance upon the forecasts, results, outputs, and outcomes arising from the use of the tools, interactive visuals, and any data generated from the use of the tools;
- the tools, forecasts, results, outputs, outcomes, interactive visuals, and any data generated from the use of the tools are intended to serve only as a data point for general comparisons and evaluations, but not as the sole or primary basis upon which any specific conduct, action, omission, or decision is recommended or undertaken;
- the tools, results, outputs, outcomes, interactive visuals, and any data generated from the use of the tools are not a substitute for the exercise of your own experience, expertise, judgment, and consulting with other resources available to you including your tax, legal, accountant, and other advisors or experts;
- you should make or have made your own independent inquiry and investigation into the forecasts, results, outputs, and outcomes, and based thereon have formed or will form an independent judgment concerning, the use, reliance on, and application of the tools, forecasts, results, outputs, outcomes, interactive visuals, and any data generated from the use of the tools on your business or operations;
- you agree that you have not relied on any statement, material, or advisements related to the use of the tools, forecasts, results, outputs, outcomes, interactive visuals, and any data generated from the use of the tools to make business or operational decisions or for any other purpose;
- any confidence levels in any particular forecast, result, output, or outcome, even if expressed as a specific numeric percentage (e.g., 75%) including any upper or lower forecast bounds, do not mean that any particular forecast, result, output, or outcome has that percentage of likelihood, and you should note by way of example if a confidence level is expressed as a specific numeric percentage (e.g., 75%), at least one out of four times the actual forecasts, results, outputs, or outcomes are expected to be outside the upper and lower forecast bounds;
- Many data analyses yield correlations that might or might not reflect causation. Some data analyses develop imperfect information, either because of limitations of the algorithms, or by the use of biased sampling;
- Real-world data can contain extreme events or outliers. Outliers may be real events that, by chance, are overrepresented in the data; or they may be the result of data-entry or data-transmission errors. In both cases they can skew the model and degrade performance;
- Customer profiles or tapestries (collectively, "Profiles") result from the aggregation of purchase patterns, activities on websites, mobile, social media, ad network interactions, demographic, and other diverse data sets and are enhanced with information from public records or other commercially available sources. These Profiles are algorithmically analyzed to segment customers into categories, often with illustrative names that help identify populations (e.g., Exurbanites, Suburban Splendor, Silver and Gold, etc.) Even when Profiles are statistically valid, there is uncertainty that discovered properties of groups apply to a particular individual in the group. It is important to note that the group properties may be untrue about a particular individual in the group;
- Providers are not in the business of supplying information for your guidance or for the guidance of any others in their business transactions or management of operations. Rather, any tool is provided as incidental to other business relationships that you have or may have with Providers.
- Release. If you have a dispute with one or more users, you release Providers (including their respective officers, directors, agents, subsidiaries, joint ventures and employees) from all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such dispute
- Confidentiality and Proprietary Rights.
- Providers Information.
- Restrictions. You may not: (1) modify, adapt, translate or create derivative works based upon the Providers Property; (2) reverse engineer, decompile, decrypt, disassemble or otherwise attempt to discover the source code of any of the Site's Software, or reduce such Software to a human readable form, or permit third parties to do so, or print or copy the HTML or other computer programs that are viewable at the Site; (3) resell, sublicense, publicly display, perform, distribute or publish the Providers Property, or any copy, except that you may distribute permitted copies as incidental to your business activities conducted on the Site; (4) remove, obscure, or alter any copyright notice, trademark, or other proprietary rights notices affixed to or contained within the Site and the products and services offered therein; (5) create any frames at any other Web sites pertaining to or using any of the information provided through the Site; or (6) incorporate any of the information made available by the Site in any other database or compilation, unless expressly permitted in writing.
- User-Provided Information.
- Sharing Information. Providers may provide to any vendor, distributor, or other third party any Provider obligor's financial, credit, or other information regarding such obligor that Providers may at any time possess, whether such information was supplied by Obligor to Providers or otherwise obtained by Providers.
For the avoidance of doubt, you expressly grant Providers the right to (i) repurpose and/or aggregate customer, vendor, or distributor data in Providers' possession whether collected by or through the Site or obtained by any other lawful means (collectively, "User Data"), (ii) track, analyze, and/or create reports related to aggregate activity and/or aggregate results obtained in connection with your use of the Site or related to User Data and share all such reports, data, and information with Providers' affiliates, customers, and third parties, and (iii) reproduce, use, prepare derivative works from, display, or distribute User Data to create, market, offer, or distribute products and services to Providers' affiliates, customers, and third parties, such as analytic reports; provided, however, any User Data used excludes your personal information.
- Limited License. Providers do not claim ownership of the materials you may provide to Providers (including documents, feedback and suggestions), or upload, input or submit to Providers. However, by uploading files, inputting information or otherwise communicating on, to or through the Site, you hereby grant to Providers a perpetual, worldwide, irrevocable, non-exclusive, royalty-free, transferable (with right to grant sublicenses through multiple sublicenses) license to use, copy, adapt, distribute, display, reproduce, transmit, modify and edit such materials, in all media now known or hereafter developed, on the Site and otherwise in accordance with the procedures outlined on the Site (including our Privacy Notice).
- Personal InformationFor the avoidance of doubt, the collection, use and disclosure of any Personal Information provided by you or by any Authorised Users in connection with the use of the Site and/or the provision of any products and services related thereto, will be subject to Wells Fargo’s International Privacy Notice, located at: https://www.wellsfargo.com/privacy-security/.
- Third Party Sites. The Site may contain links and pointers to other Internet sites or resources. Links to and from the Site and other third party sites do not constitute an endorsement by Providers or any of their respective affiliates of any third party resources or their contents. Providers make no representation or warranty, and take no responsibility, for the accuracy, content, or any other aspect of these sites and disclaim any liability to you in connection with such sites. If you decide to visit any linked site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements.
- Telecommunications Equipment and Charges. You are solely responsible for any and all telephone and other communications charges and equipment costs relating to your use of the Site. All transmissions by you via the Site shall be at your sole risk, and Providers shall not be responsible for any communications line failure, equipment, or systems failure or other occurrence.
- Compliance with Laws. You agree that you will comply with all laws, rules and regulations issued by any government, or any authority, department or agency thereof ("Laws") of NSW and Auckland or any other jurisdiction, as the case may be, depending upon where you are using the Site and that are applicable to your use of the Site, including, without limitation, Laws governing business practices, contract formation and interpretation, competition, export controls, and data privacy and protection and any International Treaties applicable to Australia and New Zealand.
- In accordance with section 3, the Site will allow you to access Providers' system via an Internet connection for the purposes of allowing you to obtain certain information regarding the amount which you owe to Providers and to pay Providers the amount you owe pursuant to your financing or other agreements with Providers, which will include the amount of principal and/or curtailment payments, interest, fees and charges you owe to Providers.
- There are two account options identified in subsections (i) and (ii) below:
- Automatic/Pre-Authorised Direct Debits. To enable Providers the authority to automatically initiate direct or pre-authorised debit entries to your Bank Account to pay any amounts which are due and owing under the financing or other agreements, by an election in the Form or, you thereupon irrevocably authorize Providers to initiate direct or pre-authorised debit entries to the Bank Account such that any obligations under the financing or other agreements are paid when due and owing and to take possession of funds in the Bank Account in the amount of such obligations for application to such obligations. Elective Direct Debits. If you do not confer such authority to Providers to initiate Automatic/Pre-Authorised Direct Debits in the Form, the system will allow you to select the payments of principal and/or curtailment, interest, insurance, fees and other charges which you elect to make to Providers. Upon selecting the particular items you wish to pay, you will enter the required authorization information to confirm the payments you wish to make. Upon doing so, you there upon irrevocably authorize Providers to initiate direct debit entries to the Bank Account in the amount you selected to pay the obligations and to take possession of funds in the Bank Account for application to such obligations.
- Providers will not be liable for the act or omission of any Automated Clearing House, financial institution, or any person who has obtained unauthorised access to the Site. You acknowledge that errors may occur in the direct debiting process, and you will immediately notify Providers if the amount of any direct debit entry that Providers initiate exceeds the amount you authorised. You agree, however, that Providers' liability for any such error will be limited to a prompt credit by Providers to your Account of the amount of the entry that exceeds the amount you authorised.
- From time to time, an affiliate of Providers may provide financing to your customer for the purchase of an item of inventory financed by Providers. When such a program is available, and provided you have not opted out of such a program after having been given an opportunity to do so, you agree that payment to Providers for such inventory may be effected electronically through the auto-settlement process by which the Providers' affiliate will pay Providers directly for such inventory. Such transactions will be reflected automatically on your Account.
- Service Levels. Providers do not guarantee the Site will be operable at all times or during any down time (i) caused by outages to any public Internet backbones, networks, or servers, (ii) caused by any failures of your equipment, systems, or local access services, (iii) for previously scheduled maintenance, or (iv) relating to events beyond Providers' (or their respective affiliates') control such as strikes, riots, insurrection, fires, floods, explosions, war, attacks, governmental action, labor conditions, earthquake, natural disasters, or interruptions in Internet services to an area where Providers (or their respective affiliates) or your services are located or co-located.