Terms of Use

Welcome to the FNI Financial Network web site.  The fni-stl.com and financialnetworkinc.com website (the “Site”) is owned and operated by FINANCIAL NETWORK, INC. (“FNI”).  FNI has adopted the Terms of Use Policy (“Terms of Use”) to make you aware of the terms and conditions of your use of the Site.  By using the Site, you agree to be bound by this Agreement.  If you do not agree to the Terms of Use, please do not use the Site.  We reserve the right, at our discretion, to change, modify, add or remove portions of the Terms of Use at any time by posting such changes to this page.  Please check the Terms of Use periodically for changes.  The continued use of the Site following the posting of changes to these terms will mean you accept those changes.

The disclaimers, terms and conditions on these pages are of general application and may be supplemented by additional policies, procedures, disclaimers, guidelines, rules, terms or conditions of specific application disclosed on any particular page of this Site, including through a registration process or other means.  In the event of a conflict between the Terms of Use and any additional policies, procedures, disclaimers, guidelines, rules, terms or conditions of specific application, the additional policies, procedures, disclaimers, guidelines, rules, terms or conditions of specific application shall control.

GENERAL TERMS OF USE AND RESTRICTIONS ON USE OF MATERIALS

All materials contained in this Site are protected by United States and international trademark and copyright laws, are owned or controlled by FINANCIAL NETWORK, INC. and must only be used for personal, non-commercial purposes.  You may only view or download material from this Site for your own use and you must keep all copyright and other proprietary notices attached to the viewed or downloaded material.

The reproduction, duplication, distribution (including by way of email, facsimile or other electronic means), publication, modification, copying or transmission of material from this Site is STRICTLY PROHIBITED without the prior written consent of FNI or unless expressly permitted by this Site.  This includes, without limitation, any application, text, graphics, logos, photographs, audio or video material or stills from audiovisual material available on this Site by FNI (“FNI Content”).  The use of FNI Content from this Site on any other web site or networked computer environment is similarly prohibited.  Requests for permission to reproduce or distribute materials found on this Site can be made by contacting FNI in writing at the address listed below.  You are also strictly prohibited from creating works or materials that derive from or are based on the FNI Content or other materials contained in this Site including, without limitation, fonts, icons, link buttons, wallpaper, desktop themes and unlicensed merchandise.  This prohibition applies regardless of whether the derivative materials are sold, bartered or given away.

If you do not comply with the Terms of Use at any time, we reserve the right to terminate, limit, or otherwise alter your access to the Site.  We may discontinue or alter any aspect of the Site, including, but not limited to, (i) restricting the time the Site is available, (ii) restricting the amount of use permitted, and (iii) restricting or terminating your right to use the Site, at our sole discretion and without prior notice or liability.

YOUR PRIVACY

In an effort to address your privacy concerns, FNI has instituted the following Privacy Policy located athttp://financialnetworkinc.com/contact/privacy-notice (“Privacy Policy”) that is incorporated herein by this reference.  FNI reserves the right to change the Privacy Policy as set forth therein.  You acknowledge that you have read and understand the Privacy Policy and that you have the obligation to periodically review the Privacy Policy from time to time.  In the event any provisions contained in this Agreement conflict with any terms, conditions or clauses contained in the Privacy Policy, the provisions of this Agreement shall govern.

FNI may disclose information to trusted affiliates, independent contractors and partners who will use the information for certain business purposes deemed to be aligned with our goals and business objectives.  In addition, we may transfer information collected from users in connection with a sale or restructuring of FINANCIAL NETWORK, INC.

LINKS

As a service to our users, we provide information about other resources that may be of interest.  However, we are not responsible or liable for any FNI Content, advertising, products or other materials on or available from such sites or resources, and the presentation of third-party links or FNI Content is not an endorsement, sponsorship or recommendation by FINANCIAL NETWORK, INC.  Please be aware that when you exit our Site, you are subject to the policies of the new web site.  You further acknowledge and agree that FNI shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such third-party FNI Content, goods or services available on or through any third-party site or resource.

Information found on the Site is intended to be used as a starting point for doing independent research on various companies, investment techniques and financial related matters.  You should exercise discretion before relying on information contained on the Site.  You agree to evaluate, and assume all risks associated with the use of any information contained on the Site, including without limitation any risk relating to any reliance on the accuracy, completeness, or usefulness thereof.

PROHIBITED ACTIVITIES

You shall not (nor cause any third party to) use the Site to perform any illegal or immoral activities (including without limitation defaming, abusing, harassing, stalking, threatening or otherwise violating the legal rights – such as rights of privacy of others) or any of the following types of activities, without limitation:

  • disseminating any unlawful, harassing, libelous, abusive, threatening, harmful, vulgar, pornographic, obscene or otherwise objectionable material;
  • transmitting information that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;
  • transmitting any material that contains software viruses, trojan horses, worms, time bombs, cancelbots, or any other computer code, files, or programs which may interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
  • impersonating anyone or any entity, falsely stating or otherwise misrepresenting your affiliation with a person or entity;
  • advertising or commercial FNI Content;
  • interfering with or disrupting the Site;
  • disrupting the activities or enjoyment of the Site for other users; or
  • collecting, or storing personal data about other users.

You agree to abide by all applicable local, state and federal laws and regulations and are solely responsible for all acts or omissions taken by you (including actions that occur under your account or password, if any), including without limitation any of the FNI Content created or submitted by you.

USER COMMENTS, FEEDBACK, POSTCARDS AND OTHER SUBMISSIONS

We welcome your comments regarding the Site.  However, any comments, feedback, notes, messages, ideas, suggestions or other communications (collectively, “Comments”) shall be and remain the exclusive property of FNI.  Your submission of any such Comments shall constitute an assignment to FNI of all worldwide rights, titles and interests in all copyrights and other intellectual property rights in the Comments.  FNI will be entitled to use, reproduce, disclose, publish and distribute any material you submit for any purpose whatsoever, without restriction or prior notice and without compensating you in any way.  For this reason, we ask that you not send us any comments that you do not wish to assign to us, including any confidential information or any original creative materials such as stories, product ideas, computer code or original artwork.

RELEASE / INDEMNIFICATION

You agree to release FNI, its parents and affiliates together with their respective employees, agents, officers, directors and shareholders, from any and all liability and obligations whatsoever in connection with or arising from your use of the Site.  If at any time you are not happy with the Site or object to any material within the Site, your sole remedy is to cease using them.

You agree to defend, indemnify and hold FNI, its members, managers, officers, employees and agents harmless from and against any and all claims, damages, costs and expenses, including attorneys’ fees, arising from or related to your use of the Site or any services or products offered by FINANCIAL NETWORK, INC.

EXCLUSION OF WARRANTIES / DISCLAIMER

ALTHOUGH WE TRY TO ENSURE THAT THE INFORMATION CONTAINED ON THIS SITE IS AS ACCURATE AS POSSIBLE, WE GIVE NO WARRANTY OF ANY KIND REGARDING THE SITE AND/OR ANY MATERIALS PROVIDED ON THE SITE.  FURTHER, FNI DOES NOT WARRANT THE ACCURACY, COMPLETENESS, CURRENCY, OR RELIABILITY OF ANY OF THE FNI CONTENT FOUND ON THE SITE, THAT THE RESULTS OBTAINED FROM THE USE OF ANY INFORMATION FOUND ON THE SITE WILL BE ACCURATE OR RELIABLE, OR THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED THROUGH THE SITE WILL MEET YOUR EXPECTATIONS.  FNI EXPRESSLY DISCLAIMS ALL WARRANTIES, REPRESENTATIONS, CONDITIONS, UNDERTAKINGS OR OTHER OBLIGATIONS INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND ANY WARRANTY THAT THE SITE, FNI CONTENT OR ANY SOFTWARE WILL BE ERROR-FREE OR THAT SUCH ERRORS WILL BE CORRECTED, ALL OF WHICH ARE HEREBY EXCLUDED TO THE FULLEST EXTENT PERMITTED BY LAW.  IF FNI IS INFORMED OF ANY INACCURACIES ON THE SITE, WE WILL ATTEMPT TO CORRECT THE INACCURACIES AS SOON AS WE REASONABLE CAN.  IF YOU OBTAIN A PRODUCT OR SERVICE FROM FINANCIAL NETWORK, INC. FROM THE SITE THAT IS PROVIDED WITHOUT AN AGREEMENT, THAT PRODUCT OR SERVICE IS PROVIDED ON AN “AS IS” BASIS.

FURTHER, PLEASE NOTE THAT NO ADVICE OR INFORMATION, OBTAINED BY YOU THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY PROVIDED FOR IN THESE TERMS OF USE.

LIMITATION OF LIABILITY

YOU EXPRESSLY UNDERSTAND AND AGREE THAT FNI SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF FNI HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SITE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE PRODUCTS AND SERVICES RESULTING FROM ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SITE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; OR (iv) ANY OTHER MATTER RELATING TO THE SITE. IN NO EVENT SHALL FNI’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THE SITE.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES.  ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

POLICIES FOR FNI EMPLOYEES AND REPRESENTATIVES

Any online communication by Financial Network, Inc. employees or representatives is subject to Financial Network, Inc.’s policies and procedures that outline acceptable conduct, as well as those policies, laws and regulations that apply to online communications.  Financial Network, Inc.’s policies and procedures set forth a standard of personal responsibilities for its employees and representatives both inside and outside the workplace.  All Financial Network, Inc. employees and representatives will adhere to the following requirements for the Site:

1.           Financial Network, Inc. requires that employees and other company representatives disclose their employment or other association with Financial Network, Inc. in all communications with customers, the media or other Financial Network, Inc. stakeholders when speaking on behalf of Financial Network, Inc.

2.           Managers, officers and directors of Financial Network, Inc. must obtain approval from Financial Network, Inc.’s legal department before making a post or entry on any FNI Website or before making a post or entry on any Non-FNI Website that is related to Financial Network, Inc. (including any Financial Network, Inc. policies, procedures, products or services, or communications related to any Financial Network, Inc. stakeholders, clients, employees or company representatives.

3.           If you find or make mistakes or inaccurate or incomplete information on any FNI Website, report them to your supervisor.

4.           Posts on FNI Websites may generate media coverage.  If a member of the media contacts you about a FNI Website posting or requests Financial Network, Inc. information of any kind, contact your supervisor and the legal department immediately.

5.           Do not disparage Financial Network, Inc. or its competitors.

GOVERNING LAW AND OTHER MISCELLANEOUS TERMS

The validity and effect of the Terms of Use shall be governed by and construed and enforced in accordance with the laws of the State of Missouri, USA, without regard to its conflicts of laws principles. In the event litigation is instituted hereunder, each user consents to the exclusive jurisdiction of any federal or state court situated in or serving St. Louis County, MO, as FNI selects in its sole discretion.  The prevailing party shall be entitled to recover its attorneys’ fees and court costs, together with any other relief awarded by a court of competent jurisdiction.  ANY SUIT, ACTION OR PROCEEDING CONCERNING THE SITE, ITS USE, THESE TERMS OF USE, OR CONCERNING ANY OTHER POLICY OR PROCEDURE OF FNI, MUST BE BROUGHT IN A COURT OF COMPETENT JURISDICTION IN MISSOURI, AND YOU HEREBY IRREVOCABLY CONSENT TO THE JURISDICTION OF SUCH COURT (AND OF THE APPROPRIATE APPELLATE COURTS THEREFROM) IN ANY SUCH SUIT, ACTION OR PROCEEDING; AND YOU IRREVOCABLY WAIVE, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY OBJECTION WHICH YOU MAY NOW OR HEREAFTER HAVE TO THE LAYING OF THE VENUE OF ANY SUCH SUIT, ACTION OR PROCEEDING IN ANY SUCH COURT OR THAT ANY SUCH SUIT, ACTION OR PROCEEDING WHICH IS BROUGHT IN ANY SUCH COURT HAS BEEN BROUGHT IN AN INCONVENIENT FORUM.

CHANGES TO OUR POLICIES

Our Terms of Use Policy is intended to provide you with the safest and most secure experience possible.  Since offerings and technologies change, we reserve the right to change, modify, add or remove portions of our Policy at any time without prior notice.  If you have any questions, or would like further clarification, please e-mail us at info@financialnetworkinc.com.  Any changes in FNI’s policies will be communicated on this page.

This Site is operated by FNI.  All inquiries may be directed to:

 

Financial Network Inc
106701 Gateway Blvd.
St. Louis, MO 63132
Email:  info@financialnetworkinc.com