EFFECTIVE DATE: [January 19, 2021]
You are responsible for reviewing these Terms regularly. We may modify the Terms at any time, at our sole discretion, by posting updated Terms or by written notice to you by email, through a website, or via U.S. mail. You agree to be bound by any modifications, and your continued use of the Site constitutes your acceptance of any modifications to the Terms.
The Terms are in addition to any other terms and conditions that may apply to accounts you have with Vemo or particular activities or functionalities of the Site. Where appropriate, please review those specific terms and conditions. In the event of a conflict between the Terms and the specific terms and conditions of your account or particular activities or functionalities of the Site, the specific terms and conditions apply.
You agree to provide accurate, current, and complete information about yourself when you use the Site. You further agree to promptly update information about yourself as a user of the Site.
The products and services offered through our Site are not available to persons who have not reached the age of majority in their state of residence or who are not enrolled in or accepted to a partner institution. Not all products and services are available to all individuals. Registration for an account and/or submission of any information or application materials does not automatically qualify you for a product or service. Your eligibility for a particular product or service is subject to review and final determination by and at the discretion of Vemo and the institutions it partners with.
- Your Information and Disclosure to Third Parties
- User and Accountholder Responsibilities
Certain activities and functionalities of the Site are accessible only to registered users and accountholders. In order to access the registered user and accountholder areas of the Site, you will need to register with the Site, which includes creating access credentials, such as a username and password. You are solely responsible for (1) authorizing, monitoring, controlling access to, and maintaining the strict confidentiality of your access credentials, (2) not allowing another person to use your access credentials, and (3) any charges or damages that may be incurred as a result of your failure to maintain the strict confidentiality of your access credentials. Vemo is not liable for any harm related to the theft of access credentials, your disclosure of access credentials, or your decision (in violation of the Terms) to allow another person or entity to access and use the Site using your access credentials. You must immediately notify Vemo regarding any unauthorized use of your access credentials or any other concerns that you have about the misuse or security of your account by calling (813) 563-1099. Until Vemo receives this notification from you, you will be held liable for any harm resulting from the improper use of your access credentials or other security breach known to you.
- Your License
Subject to the Terms, Vemo grants you a personal, non-exclusive, non-transferable, limited and revocable license to access the Site for your personal (not business) use (“Your License”).
- Intellectual Property
The Site, its content, any materials downloaded, and all intellectual property pertaining to or contained on the Site (including but not limited to copyrights, patents, database rights, graphics, designs, text, logos, trade dress, trademarks, and service marks) are owned by Vemo or third parties; all rights, title and interest therein shall remain the property of Vemo and/or such third-party owner, as applicable. All content is protected by trade dress, copyright, patent, and trademark laws, as well as various other intellectual property and unfair competition laws.
You are authorized solely to view and retain a copy of pages of the Site for your own personal, non-commercial use. You may also view and make copies of relevant documents, pages, images, or other materials on the Site for the purpose of transacting business with Vemo. You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit the Site, or any portion of the Site, for any public or commercial use without the express written consent of Vemo. Additionally, you agree that you (i) will not remove or alter any author, trademark, or other proprietary notice or legend displayed on the Site (or printed pages produced from the Site), and (ii) will not make any other modifications to any documents obtained from the Site other than in connection with completing information required to transact business with Vemo.
- Use of Information and Materials
The information and materials contained on the Site, and the Terms, policies, and descriptions that appear, are subject to change. You accept sole responsibility for all of your activities using the Site. Your use of the Site is limited to the intended function of the Site. Unauthorized use of the Site and systems, including but not limited to unauthorized entry into Vemo’s systems, misuse of passwords, or misuse of any information posted on the Site, is strictly prohibited. You may not use the Site in a manner that:
- harasses, abuses, stalks, threatens, defames, or otherwise infringes or violates the rights of any other party (including but not limited to rights of publicity or other proprietary rights);
- is unlawful, fraudulent, or deceptive;
- uses technology or other means to access content or systems of Vemo in a manner that is not authorized by Vemo;
- uses or launches any automated system, including without limitation, “robots,” “spiders,” or “offline readers,” to access content or systems of Vemo;
- attempts to introduce viruses or any other computer code, files, or programs that interrupt, destroy, or limit the functionality of any computer software, hardware, or telecommunications equipment;
- attempts to gain unauthorized access to Vemo’s computer network or user accounts;
- encourages conduct that would constitute a criminal offense or that gives rise to civil liability;
- violates the Terms or Vemo policies;
- attempts to damage, disable, overburden, or impair Vemo servers or networks; or
- fails to comply with applicable third-party terms.
Vemo reserves the right, in its sole discretion, to terminate Your License, your user account, or any products or services provided to you and to assert legal action with respect to content or use of the Site that Vemo reasonably believes is or might be in violation of the Terms, additional terms and conditions, or other Vemo policies. Vemo’s failure or delay in taking such actions does not constitute a waiver of its rights to enforce the Terms or the terms of any product or service.
- NO WARRANTY
THE SITE, INCLUDING ALL CONTENT, INFORMATION, MATERIALS, LINKS, AND OTHER ITEMS, ARE PROVIDED “AS IS”, “AS AVAILABLE,” AND WITHOUT WARRANTY, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE WARRANTIES OF NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, TITLE, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE. VEMO DOES NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE SITE AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THEM. YOU ACKNOWLEDGE AND AGREE TO USE THE SITE AT YOUR SOLE RISK AND THAT VEMO CANNOT GUARANTEE AND DOES NOT WARRANT THAT YOUR ACCESSS WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE OR THAT THE SITE WILL BE FREE OF COMPUTER VIRUSES.
- LIMITATION OF LIABILITY
IN NO EVENT WILL VEMO BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES, OR EXPENSES ARISING IN CONNECTION WITH THE SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE OR SYSTEM FAILURE, LOSS OF DATA, OR OTHER DEFECT RELATED TO THE SITE, EVEN IF VEMO OR OUR REPRESENTATIVES ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.
All information submitted to Vemo via the Site shall be deemed and remain the property of Vemo, and Vemo shall be free to use, for any purpose, any idea, concept, know-how, or technique contained in information a visitor to the Site provides Vemo through the Site. Vemo shall not be subject to any obligations of confidentiality regarding submitted information except as may be expressly agreed in writing by Vemo or as otherwise specifically required by law.
The Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.
- Additional Terms
Your accounts or certain activities or functionality of the Site may be subject to additional terms and conditions. In the event of a conflict, such additional terms and conditions will govern for those activities and functionality.
- System Outages, Slowdowns, and Capacity Limitations
At times you may experience difficulty accessing the Site or communicating with Vemo through the Internet or other electronic wireless services as a result of high Internet traffic, transmission problems, systems capacity limitations, or other problems. Any computer system or other electronic device, whether it is yours, an Internet service provider’s, or Vemo’s, can experience unanticipated outages or slowdowns or have capacity limitations.
- Protecting Your Devices and Account
Vemo makes no warranty whatsoever to you, express or implied, regarding the security of the Site, including with respect to the ability of unauthorized persons to intercept or access information transmitted by you through the Site. You acknowledge and agree that you are solely responsible for maintaining the security of your devices. You also acknowledge and agree that you are responsible for maintaining the confidentiality of your access credentials. Vemo is not responsible for any losses resulting from the loss or theft of your device or the loss or theft of your information transmitted from or stored on your devices. You are required to report any unauthorized use of your account by calling (813) 563-1099.
- Use Outside the United States
You may not use or export or re-export any portion of the Site in violation of any applicable laws or regulations, including without limitation, United States export laws and regulations. Vemo makes no representation that the documents, pages, images, or other materials or content on the Site are appropriate or available for use in jurisdictions outside the United States.
- Governing Law and Disputes
The Terms are governed by and construed in accordance with the laws of the State of Virginia, excluding choice-of-law provisions of Virginia law that would result in the laws of any state or country other than Virginia being applied. The Federal District Court for the Eastern District of Virginia has general jurisdiction and will be the exclusive venue for litigating any claims, actions, or proceedings related to the Site, Terms, or any other Vemo policies or terms and conditions. Any such cause of action you may have must be commenced within one (1) year after the claim or cause of action arises, or such claim or cause of action shall be barred.
- Severability/No Waiver
If any provision of the Terms shall be deemed unlawful, void, or unenforceable for any reason, then such provision shall be deemed severable from the Terms and shall not affect the validity and enforceability of any remaining provisions. Vemo’s failure to enforce the strict performance of any provision of the Terms or the additional terms and conditions for any service or information will not constitute a waiver of our right to subsequently enforce such provision or any other provisions of the Terms or the additional terms and conditions.
Vemo reserves the right, at any time, without notice to you, and in its sole discretion, to modify or discontinue the Site, the Terms, or any Vemo policies related to use of the Site. Revisions to the Terms or Vemo’s policies may be provided through the Site, including by posting the revisions on the Site. Continued use of the Site following such modifications to the Site, the Terms, additional terms and conditions for any service or information, or Vemo policies will constitute your acceptance of such modifications and revisions.
- Contact Us
Any questions, complaints, or claims regarding the Site should be directed to: email@example.com.