Carefi, Inc. (“Carefi”, “we” or “us”) owns and operates carefi.fund and payorsights.com, and any sub-domain thereof (collectively, the “Site”). Please review this Website Terms of Use Agreement (“Terms of Use” or “Agreement”) carefully before using this Site. By registering for, logging into, visiting and/or otherwise using the Site in any way, you indicate that you understand and intend this Agreement to be the legal equivalent of a signed written contract and equally binding, and that you accept the terms of use as set forth in this Agreement and agree to be legally bound by them.
We reserve the right, in our sole discretion, to change, modify, add, or remove portions of these Terms of Use at any time. Changes to these Terms will become effective immediately upon the posting thereof. Your continued use of the Site following reasonable notice of such modifications will be conclusively deemed acceptance of any changes to these Terms of Use. You agree that notice of changes to these Terms of Use posted on the Site constitutes reasonable and sufficient notice. At all times, you are bound by the then-current version of these Terms of Use, the Privacy Policy, and all applicable laws. We highly recommend that you review these Terms of Use from time to time to ensure that you are familiar with the most recent version.
1. Terms of Use
1.1. Contents of Site
As between you and Carefi, this Site (including the underlying software and files) and content provided on this Site, are the exclusive property of Carefi, and are protected by law, including United States copyright, database, trade secret, and trademark law, as well as other state, national and international laws and regulations. Except as expressly provided in this Agreement, Carefi does not grant any license or other authorization to any user of its trademarks, registered trademarks, service marks, or other copyrightable material or other intellectual property, by placing them on this Site. You must not use such marks without the prior written permission of Carefi. The contents are Copyright 2021, Carefi, Inc. All rights reserved.
1.2. Disclaimers
THE INFORMATION INCLUDED ON THIS SITE IS PROVIDED ON AN “AS IS,” “AS AVAILABLE” BASIS AND WITHOUT REPRESENTATION OR WARRANTY OF ANY KIND. INFORMATION PROVIDED IS OBTAINED FROM SOURCES DEEMED TO BE RELIABLE, HOWEVER, Carefi MAKES NO REPRESENTATION OR WARRANTY, EITHER EXPRESS OR IMPLIED, AS TO THE ACCURACY, RESULTS, TIMELINESS, COMPLETENESS, ADEQUACY, NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE WITH RESPECT TO THE SITE OR ANY OF ITS CONTENT, OR THAT THE SITE OR ANY OF ITS CONTENT WILL BE ERROR-FREE OR UNINTERRUPTED. FURTHER, THE INFORMATION AVAILABLE ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. YOU ASSUME THE SOLE RISK OF MAKING USE OF THIS SITE AND THE CONTENT IT PROVIDES.
UNDER NO CIRCUMSTANCES WILL Carefi BE LIABLE TO YOU FOR ANY SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND ARISING FROM YOUR ACCESS OR USE OF THIS SITE OR THE CONTENT IT PROVIDES, INCLUDING, BUT NOT LIMITED TO, COMPENSATION, REIMBURSEMENT OR DAMAGES ON ACCOUNT OF THE LOSS OF PRESENT OR PROSPECTIVE PROFITS, EXPENDITURES, INVESTMENTS OR COMMITMENTS, WHETHER MADE IN THE ESTABLISHMENT, DEVELOPMENT OR MAINTENANCE OF BUSINESS REPUTATION OR GOODWILL, FOR LOSS OF DATA, COST OF SUBSTITUTE MATERIALS, PRODUCTS, SERVICES OR INFORMATION, COST OF CAPITAL, AND THE CLAIMS OF ANY THIRD PARTY, OR FOR ANY OTHER REASON WHATSOEVER, EVEN IF Carefi HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
The content on this Site are provided as general information only and are not intended to provide investment, accounting, tax or legal advice. Nothing on this site constitutes an offer or solicitation for investment, products or services in any jurisdiction where their offer or sale is not qualified or exempt from registration.
Under no circumstances will Carefi, or any of its employees, agents, successors, assigns, affiliates or content or service providers be liable to you or other third parties for any loss, injury, claim, liability or damage of any kind (including, without limitation, attorneys’ fees and lost profits, opportunities or savings) resulting from, arising out of or any way related to your access or use of this Site or the content it provides, including:
TO THE EXTENT PERMITTED BY LAW, Carefi DISCLAIMS LIABILITY FOR ANY DIRECT DAMAGES BASED ON YOUR ACCESS OR USE OF THE SITE AND ITS CONTENT.
2. Restrictions on Use
You represent and warrant to Carefi that you will not use this Site for any purpose that is unlawful or prohibited by these Terms of Use, including but not limited to attempting or actually:
(a) disrupting, impairing, overburdening, damaging, impairing or otherwise interfering with the operation or integrity of the Site (including impairing any other party’s ability to engage in real time activities through the Site) or circumventing any Site security system,
(b) collecting any information about other users of the Site,
(c) systematically extracting content or other information or data contained in the Site (including through use of any robot, spider or other automatic device, process or means),
(d) use any manual process to monitor or copy any of the material on the Site or for any other unauthorized purpose without our prior written consent,
(e) use any device, software, or routine that interferes with the proper working of the Site,
(f) introduce any viruses, trojan horses, worms, logic bombs, or other material that is malicious or technologically harmful,
(g) attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Site, the server on which the Site is stored, or any server, computer, or database connected to the Site,
(h) attack the Site via a denial-of-service attack or a distributed denial-of-service attack, or
(i) otherwise attempt to interfere with the proper working of the Site.
You further represent and warrant that you will not:
(a) post, store, transmit or otherwise use the Site in connection with any materials that may constitute or be comprised of any material that is unlawful or prohibited by this Agreement,
(b) claim a relationship with or speak for any individual, business, association, institution, or other organization for which you are not authorized to claim such a relationship (including but not limited to CV);
(c) provide false or misleading personal information or email addresses, or impersonate any other person or entity;
(d) for the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise;
(e) harass another person;
(f) violates applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries),
(g) is threatening, libelous, harassing, defamatory, vulgar, obscene, pornographic, profane, invasive of another’s privacy, hateful, or ethnically, racially, or otherwise objectionable;
(h) infringes any patent, trademark, trade secret, copyright, or other proprietary rights of any person, or
(i) consists of unsolicited advertising, promotional materials, or other forms of solicitation to other users including, without limitation, “junk mail,” “spam,” “chain letters,” or “pyramid schemes.”
3. Modifications to Site
Carefi reserves the right to change this Site and any information on this Site, including but not limited to, revising and/or deleting features or other information, and materials, products, and services described on this Site, without prior notice. The content presented on this Site may vary depending upon your browser limitations.
4. Third-Party Links
Carefi may describe, reference, or provide links, in its sole discretion, to other information or products or sites on the World Wide Web for your convenience in locating related information and services. Any descriptions of, references to, or links to other products, publications or services does not imply endorsements of any kind, unless expressly stated by Carefi. Any such information, products or sites have not necessarily been reviewed by Carefi and are provided or maintained by third parties over which Carefi exercises no control. In addition, to the extent that they were reviewed by Carefi, Carefi undertakes no responsibility for continually monitoring such websites; the material at a site when Carefi viewed it may differ materially than when you do. Accordingly, Carefi expressly disclaims any responsibility for the content of these other third-party websites, the accuracy of the information on these websites or the quality of products or services provided by the organizations that maintain them.
You may not create a link from another website or any other Internet location to the Site without prior written consent from Carefi. Deep linking to internal pages of the Site is expressly prohibited.
5. Assumption of Risk
You use the Internet solely at your own risk and subject to all applicable local, state, national, and international laws and regulations. Although Carefi has endeavored to create a secure and reliable Site, the confidentiality of any communication or material transmitted to/from this Site over the Internet cannot be guaranteed. Accordingly, Carefi is not responsible for the security of any information transmitted via the Internet, the accuracy of the information contained on the Site, or for the consequences of any reliance on such information. Carefi shall have no liability for interruptions or omissions in Internet, network or hosting services. You assume the sole and complete risk of using this Site.
6. Events beyond CV’s Control
You expressly absolve and release Carefi, its affiliates, related companies, and all of their respective officers, directors, employees, shareholders, legal representatives, attorneys, agents, successors and assigns, from any claim of harm resulting from a cause beyond its control including, but not limited to, the failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses or software failures, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes or other labor problems, wars, terrorism or governmental restrictions.
7. Indemnity
You agree to indemnify and hold harmless Carefi, its affiliates, related companies, and all of their respective officers, directors, employees, shareholders, legal representatives, attorneys, agents, successors and assigns, from and against any damages, liabilities, costs and expenses (including reasonable attorneys’ and professionals’ fees and court costs) arising out of any third-party claims based on or related to your use of this Site or any breach by you of these Terms of Use.
8. Suspension, Termination
Carefi reserves the right at any time and for any reason to deny you access to the Site or any portion thereof, and/or to terminate this Agreement.
9. Waiver; Severability
Failure to insist on strict performance of any of the provisions of this Agreement will not operate as a waiver of any subsequent default or failure of performance. No waiver by Carefi of any right under this Agreement will be deemed to be either a waiver of any other right or provision or a waiver of that same right or provision at any other time. If any provision of this Agreement is held unlawful, void or unenforceable for any reason by a court or tribunal of competent jurisdiction, that provision shall be enforced to the maximum extent permissible so as to affect the intent of the parties, and the remainder of this Agreement shall continue in full force and effect. These Terms of Use and our Privacy Policy constitute the sole and entire agreement between you and Carefi regarding the Site and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Site.
10. Reliance on Information Posted
The information presented on or through the Site is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Site, or by anyone who may be informed of any of its contents.
This Site may include content provided by third-parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by Carefi, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of Carefi.
We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third-parties.
11. Geographic Restrictions
The owner of the Site is based in the state of North Carolina in the United States. We provide this Site for use only by persons located in the United States. We make no claims that the Site or any of its content is accessible or appropriate outside of the United States. Access to the Site may not be legal by certain persons or in certain countries. If you access the Site from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.
12. Governing Law and Forum
This Agreement shall be governed by the laws of North Carolina, without regard to conflicts of law rules, and the exclusive jurisdiction and venue for any dispute shall be North Carolina. You agree to submit to the jurisdiction of the state and federal courts in North Carolina for the purposes of any judicial proceedings relating to or arising from this Agreement.