We reserve the right to amend these Terms of Use at any time. If we do so, we will update the date at the top of this page. The current version of the Terms of Use will govern our Services and will always be available on the Arbol website. By continuing to access or use our Services after any changes become effective, you agree to be bound by the revised Terms of Use. Please visit these Terms of Use on a regular basis to ensure that you read the latest version.
The Services and all content and functionality incorporated in them are not directed to or intended for use by any person who is a resident of or located in any jurisdiction where the distribution of such content or functionality is contrary to that jurisdiction’s laws, rules, or regulations. The same applies to any person who is a resident of or located in any jurisdiction where such distribution is prohibited without obtaining necessary licenses or authorizations and such licenses or authorizations have not been obtained. If any such restriction applies to you, you are not authorized to access the relevant Services. By using the Services, you agree to abide by and comply with all applicable laws and regulations.
The content of the Services is prepared for informational purposes only, without regard to any particular user’s investment objectives or financial situation. The content does not constitute a recommendation to enter into a particular transaction. The content is also not a representation that any product alluded to or described is suitable or appropriate for you or for any other user.
Any investment described on our Services involves significant risk inherent to the speculative nature of the products we sell. You should not enter into any transactions or purchase any products unless you have fully understood all such risks and independently determined that those transactions or products are appropriate for you. You should not assume that any discussion of risks contained on the Services are a complete disclosure of all risks relevant to any given product, nor a complete discussion of those risks that are mentioned.
You should not construe any material on the Services as business, financial, investment, hedging, trading, legal, regulatory, tax, or accounting advice. Likewise, you should not make the contents of the Services the primary basis for any investment decisions you make. We encourage you to consult business advisors, attorneys, and tax and accounting advisors before entering into a transaction.
The contents of the Services have not been approved by an authorized person within the meaning of Financial Services and Markets Act 2000 (“FSMA”). Reliance on the information contained on the Services for the purposes of engaging in any investment activity may expose the investor to a significant risk of losing all of the property or assets invested. In the United Kingdom, any person who is in any doubt about the investment to which the Services relate should consult a person duly authorized for the purposes of FSMA who specializes in the acquisition of shares and other securities.
Certain statements and illustrations contained on our Services are forward-looking. These statements (including as to plans, objectives, targets, and trends) and illustrations provide current expectations of future events based on assumptions. This includes any statement that does not directly relate to a historical fact or current fact.
You can generally identify forward-looking statements by words or phrases such as “anticipate,” “assume,” “believe,” “continue,” “estimate,” “expect,” “foresee,” “intend,” “may increase,” “may fluctuate,” and similar expressions, or by future or conditional verbs such as “will,” “should,” “would,” and “could.” Forward-looking statements describe known and unknown risks, uncertainties, and other factors, which may materially differ from our actual results of operations, financial condition, solvency ratios, capital, or liquidity positions or prospects.
We make no warranty, express or implied, concerning the Services. All information provided on the Services is presented “as is.” Arbol expressly disclaims any implied warranty of merchantability or fitness for a particular purpose, including any warranty for the use or the results of the use of the Services with respect to their correctness, quality, accuracy, completeness, reliability, performance, or timeliness. The content of the Services is believed to be accurate and is obtained from sources, which we believe to be reliable. However, we have not verified this information, and we do not guarantee its accuracy, completeness, fairness, or timeliness, and the information should not be relied on as such. By using the Services, you acknowledge and agree that Arbol, its advisers, consultants, shareholders, and other affiliated persons are not responsible for and are not making any representations, guarantees, or warranties regarding the accuracy, completeness, or fairness of the information contained on the Services.
The content of the Services should not be construed as a solicitation, recommendation, or offer to buy or sell any security, financial product, or instrument. Any business dealings arising from content on the Services will be conducted in accordance with all applicable laws and regulations. If applicable, participants in such transactions indemnify and hold harmless Arbol from any and all claims arising from a failure to maintain status as an Eligible Contract Participant. Any potential dealings in securities related to content on these websites will neither be registered under the Securities Act of 1933, nor will they be registered or qualified under securities laws of any jurisdiction, and such securities may not be offered or sold in the United States except pursuant an exemption from, or in a transaction not subject to, the registration requirements of the Securities Act of 1933 and in compliance with state securities laws.
Content related to insurance products and services is associated exclusively with Arbol Inc. or its subsidiaries and is in no way affiliated with any public, federal or state, insurance program. As such, any subsequent business dealings associated with content referencing any insurance product or services on these websites will not be guaranteed by the federal government of the United States or any state guaranty program unless otherwise expressly noted.
Neither Arbol nor any of its respective affiliates, directors, employees, advisors, or agents will be liable for any indirect, special, incidental, consequential, punitive, or exemplary loss, liability, or costs arising from use of the Services or of any product described or advertised on the Services, on any theory, including negligence, breach of contract, or otherwise, and regardless of whether the damage was foreseeable. Neither Arbol nor any third party providing content, nor any of their respective affiliates, directors, employees, advisors, or agents will be liable for any loss of profits, business, or data. Neither Arbol nor any third party providing content, nor any of their respective affiliates, directors, employees, advisors, or agents will be liable for any damage or loss to any equipment or software caused to any viruses, defects, or malfunctions in connection with the access or use of the Services.
Intellectual Property Rights in the Services and content available through them belong to Arbol or to third parties who have entered into license agreements for such content with Arbol. Users do not acquire, by virtue of their use of the Services, any rights, title, or interest in any of the Intellectual Property Rights to such content.
For the purpose of these Terms of Use, “Intellectual Property Rights” includes, but is not limited to: (i) copyright, patents, database rights, and rights in trademarks, designs, know-how, and registered or non-registered confidential information; (ii) applications for registration and the right to apply for registration for any of these rights; and (iii) all other intellectual property rights and equivalent or similar forms of protection existing anywhere in the world.
Content available through the Services may be printed or saved for personal or internal use only. Such printouts or savings, however, must retain all applicable copyright or other proprietary notices. Users may not modify, copy, transmit, distribute, display, reproduce, publish, perform, license, frame, create derivative works from, transfer, or use in any other way for commercial or public purposes in whole or in part any content obtained from the Services without the prior written permission of Arbol. Users may not systematically retrieve content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory (whether through robots, spiders, automatic devices, or manual processes) without written permission from Arbol.
Arbol has published a Privacy Policy, which is available at http://arbol.io/privacy-policy. The terms of that privacy policy are incorporated by reference into these Terms of Use.
These Terms of Use shall be governed by and interpreted in accordance with the law of New York without regard to conflicts-of-law principles. By using the Services, you submit irrevocably to the exclusive jurisdiction of the state and federal courts located in New York County, New York.
If a provision of these Terms of Use is or becomes illegal, invalid, or unenforceable in any country, that will not affect the legality, validity, or enforceability in that country of any other provision or in other jurisdictions of that or any other provisions of these Terms of Use.
Section headings are inserted for convenience of reference only and do not form a part of these Terms of Use.
