Terms of Use & Conditions of Sales
Overview
IMPORTANT – PLEASE CAREFULLY READ AND UNDERSTAND OUR TERMS OF USE AND CONDITIONS OF SALE (“TERMS” OR “AGREEMENT”) BEFORE ACCESSING OR ACCESSING, USING, OR PLACING AN ORDER THROUGH OUR SITE. THESE TERMS CONTAIN DISCLAIMERS OF WARRANTIES AND LIMITATIONS OF LIABILITIES (SEE SECTIONS 15 AND 16). THESE TERMS FORM AN ESSENTIAL BASIS OF OUR AGREEMENT.
Your use of www.edgefin.com, including any sub-domains thereof, affiliated websites, and mobile applications (collectively, the “Site”), which are owned and maintained by Edgefin, LLC (“Edgefin,” “we,” “our,” “us”), are governed by the policies, terms, and conditions set forth below. Please read our terms carefully. We offer the Site, including all information, tools, products, and services available from the Site to you, the user, conditioned upon your acceptance of all terms, conditions, policies, and notices stated here. By accessing, using, or placing an order over the Site, you agree to the terms set forth herein. If you do not agree to these terms and conditions in their entirety, you are not authorized to use the Site in any manner or form whatsoever.
THIS AGREEMENT CONTAINS ARBITRATION AND CLASS ACTION WAIVER PROVISIONS THAT WAIVE YOUR RIGHT TO A COURT HEARING, RIGHT TO A JURY TRIAL, AND RIGHT TO PARTICIPATE IN A CLASS ACTION. ARBITRATION IS MANDATORY AND IS THE EXCLUSIVE REMEDY FOR ANY AND ALL DISPUTES UNLESS SPECIFIED BELOW IN SECTION 17 OR IF YOU OPT-OUT. PLEASE CAREFULLY REVIEW THE DISPUTE RESOLUTION PROVISIONS IN SECTION 17 BELOW WHICH DESCRIBES YOUR RIGHT TO OPT-OUT.
You can review the most current version of the Terms at any time on this page (Terms and Conditions | Edgefin). We reserve the right to update, change, or replace any part of these Terms by posting updates and/or changes to our Site. It is your responsibility to check this page periodically for changes. YOUR CONTINUED USE OF OR ACCESS TO THE SITE FOLLOWING THE POSTING OF ANY CHANGES CONSTITUTES BINDING ACCEPTANCE OF THOSE CHANGES.
Site Use
EdgeFin’s Site, products, and services are intended for adults only. By using the Site and agreeing to these Terms, you represent that you are at least the age of majority in your state or province of residence. If you use the Site, you affirm that you have the legal capacity to enter into a binding contract with us, and have read this Agreement and understand and agree to its terms.
Changes to these Terms
EdgeFin reserves the right to update, change, or replace any part of these Terms by posting updates and/or changes to our Site. You can review the most current version of these Terms at any time by visiting this page (Terms and Conditions | EdgeFin). It is your responsibility to check this page periodically for changes. Your continued use of, or access to, the Site following the posting of any changes constitutes your binding acceptance of those changes.
Privacy and Security Disclosure
EdgeFin’s Privacy Policy may be viewed at Privacy Policy | EdgeFin. The Privacy Policy is hereby incorporated into these Terms by reference and constitute a part of this Agreement. EdgeFin reserves the right to modify the Privacy Policy at its sole discretion.
No Investment Recommendations or Professional Advice
EdgeFin does not provide personalized investment advice. Neither the Site nor any of EdgeFin’s products or services, are intended to provide tax, legal, insurance, or investment advice. None of the content provided on the Site or through any of EdgeFin’s products or services should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security by EdgeFin or any third party. You alone are solely responsible for determining whether any investment, security or strategy, or any other product or service, is appropriate or suitable for you based on your investment objectives and personal and financial situation. You should consult a registered investment advisor, attorney, or tax professional regarding your particular financial situation, investing strategies, or specific legal or tax situation.
No Direct Lending
EdgeFin is a financial education and training company. We do not offer any lending services, either personal or business. Your ability to obtain loans, including the amount, rate, and other terms, will ultimately depend on the determination of third party lenders, which is beyond our control. We do not guarantee that you will be qualified for or receive any particular offer from any lender.
Securities & Investing Disclosure
Stocks and options trading have large potential rewards, but also large potential risk. You must be aware of the risks and be willing to accept them in order to invest in the stocks and options markets. Don’t trade with money you can’t afford to lose.
Intellectual Property
The Site and the content contained herein, as well as all copyrights, including without limitation, the text, documents, articles, products, software, graphics, photos, sounds, videos, interactive features, services, links, User Submissions (as defined below), third-party apps, and any other content on the Site (“Content”) and the trademarks, service marks, and logos contained therein are the property of EdgeFin and its third-party licensors or providers. You may access and use the Content, and download and/or print out copies of any content from the Site, solely for your personal, non-commercial use. If you download or print a copy of the Content for personal use, you must retain all copyright and other proprietary notices contained therein. You acknowledge that you do not acquire any ownership rights by using the Site. EdgeFin reserves all rights not expressly granted in and to the Site.
User Conduct
You may not use, copy, display, sell, license, decompile, republish, upload, post, transmit, distribute, create derivative works, or otherwise exploit Content from the Site to online bulletin boards, message boards, newsgroups, chat rooms, or in any other manner, without our prior written permission. Modification of the Content or use of the Content for any purpose other than your own personal, non-commercial use is a violation of our copyright and other proprietary rights, and can subject you to legal liability.
Account Registration
In order to access some of the products or services of the Site, you will be required to create an account. By creating this account, you agree to the following:
- You may only maintain a single account;
- You may never share your account user name or password or knowingly provide or authorize access to your account;
- You may never use another user’s account without permission;
- When creating your account, you must provide accurate and complete information;
- You are solely responsible for the activity that occurs on your account, and you must keep your account password secure;
- You must notify us immediately of any breach of security or unauthorized use of your account; and
- You will be liable for any use made of your account or password and the losses of EdgeFin or others due to such unauthorized use. We will not be liable for your losses caused by any unauthorized use of your account.
EdgeFin has the right, in its sole discretion, to cancel your subscription or suspend your access to the Site.
Automatic Billing and Cancellation Policy
Some of EdgeFin’s products and services are provided on a subscription basis. If you purchase a subscription, the subscription will automatically renew at the then-current rate for the subscribed product or service, until you notify us of your decision to terminate your subscription. The most common renewal terms are twelve-month periods as identified on your itemized receipt. Prior to billing you for the renewal term, EdgeFin will email the address that you have on file for your account about the length and price of the renewal term.
By allowing the renewal to proceed, you have provided your electronic authorization for future charges against the credit card or PayPal account that you have on file. You further agree that your subscription fee(s) will be billed automatically at the beginning of each renewal period at the then-current rate (plus sale tax, if applicable) to the credit card(s) or PayPal account you have on file. If you have more than one card on file, the first card will be used. If you have more than one credit card on file, and one or more credit cards has expired, we will use the unexpired credit card.
You may cancel your subscription(s) at any time. To cancel your membership, please contact us in writing by email (billing@edgefin.com) or by mail (EdgeFin – Accounting, 800 Brickell Avenue, Suite 500, Miami, FL 33131) or by notifying our Customer Service Department by telephone at (877) 540-7457 Monday through Friday during normal business hours. You may also cancel through the Self-Service portal on our Site. Cancellation will take effect no later than 3 business days after we receive your notification.
