Legal Notices

Legal Notices

Terms of Use

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The terms and conditions herein apply to Chex Systems, Inc., and its affiliates (“ChexSystems®”). Your access to and use of www.chexsystems.com (“ChexSystems Website”) is voluntary and is done entirely at your own risk. By accessing and using www.chexsystems.com and its sub-sites, you accept, without limitation, the following terms and conditions.

Information Sharing

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In order to effectively respond to requests made via the ChexSystems Website, ChexSystems may need to share information you voluntarily provided with others within our organization. You hereby represent that any information you send to ChexSystems must be legal, truthful, and not violate the rights of any others. However, the information you provide will never be knowingly or intentionally shared, sold or distributed to any third parties except as set forth below under “Communications”. Additionally, it will only be accessible by ChexSystems personnel who have a business need for such information.

Links to Other Web Sites

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ChexSystems provides links to other sites from www.chexsystems.com (“Third Party Websites”). However, while ChexSystems may maintain business relationships with the operators of such Third Party Websites, ChexSystems is not responsible for the content or privacy policies of such websites. ChexSystems provides access to Third Party Websites for your convenience only, and accessing such websites is done at your sole risk.

No Advice, Opinions, or Services Provided

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THE INFORMATION, MATERIALS AND CONTENT ON THE CHEXSYSTEMS WEBSITE ARE PROVIDED SOLELY FOR GENERAL INFORMATION AND DO NOT CONSTITUTE PROFESSIONAL OR EXPERT ADVICE SUCH AS LEGAL, ACCOUNTING, OR FINANCIAL ADVICE. As professional or expert advice must be tailored to the specific circumstances of each case, and laws are constantly changing, nothing provided herein should be used as a substitute for the advice of competent counsel. If legal, accounting, or financial advice or other expert assistance is required, the services of a competent professional (such as an attorney or certified public accountant (“CPA”)) should be sought. Information, materials, and content available on the ChexSystems Website are designed to be of general applicability. Particular state laws, regulations, and special contractual provisions can impact rights, responsibilities and legal or financial obligations. Only a competent attorney, CPA, licensed financial advisor or other professional looking at all the pertinent facts and circumstances of a particular situation including without limitation then-current laws and regulations can provide specific and definitive guidance.

Intellectual Property

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The material, information, and content on the ChexSystems Website are the copyrighted property of ChexSystems or its affiliated companies and may not be copied, distributed, republished, uploaded, posted, or transmitted without express written consent. Any reproduction, modification, or other use is expressly prohibited.

The materials displayed on the ChexSystems Website, including but not limited to all text, audio, video, images, photographs, illustrations, artwork, animation files and other graphics, and names, logos, trademarks and service marks, are the property of ChexSystems or its affiliated companies, or licensors and are protected by copyright, trademark and other intellectual property laws. The ChexSystems Website may be displayed, downloaded and/or printed solely for your personal, non-commercial home use, provided that you do not delete or modify any copyright, trademark or other proprietary notices contained therein. Any other use of the material on this site without the prior written consent of ChexSystems is strictly prohibited.

Disclaimer of Warranties and Liabilities

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ChexSystems makes no claims, promises or guarantees about the accuracy, completeness, or adequacy of the information, materials, or content provided on the ChexSystems Website or any Third Party Websites. ALL INFORMATION, MATERIALS, AND CONTENT ARE PROVIDED “AS IS” AND WITHOUT ANY REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. CHEXSYSTEMS MAKES NO WARRANTY OR REPRESENTATION REGARDING THE ACCESSIBILITY OF THE CHEXSYSTEMS WEBSITE OR ANY THIRD PARTY WEBSITES.

TO THE EXTENT PERMITTED BY APPLICABLE LAW, CHEXSYSTEMS DOES NOT ACCEPT LIABILITY FOR DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE OR OTHER LOSSES OR DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION, ANY LOST PROFITS, LOSS OF REPUTATION, LOSS OF GOODWILL, DIMUNITION IN THE ENTERPRISE VALUE OF A PARTY OR ITS STOCK PRICE, OR ARE OTHERWISE SPECULATIVE IN NATURE, BUSINESS INTERRUPTION, LOSS OF DATA OR PROGRAMS OR OTHERWISE, EVEN IF EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, THAT MAY RESULT FROM USE OF www.chexsystems.com AS A CONSEQUENCE OF ANY INACCURACIES IN, OR ANY OMISSIONS FROM, THE INFORMATION PUBLISHED ON THE CHEXSYSTEMS WEBSITE OR ANY THIRD PARTY WEBSITES.

Exclusions and Limitations

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Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for certain damages. Accordingly, some of the disclaimers and limitations of liability may not apply. To the extent that ChexSystems may not, as a matter of applicable law, disclaim any implied warranty or limit its liabilities, the scope and duration of such warranty and the extent of ChexSystems' liability shall be the minimum permitted under such applicable law.

Updates

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ChexSystems reserves the right to suspend, discontinue, and/or modify the ChexSystems Website or suspend or discontinue access to any Third Party Websites, and any of their content, at any time and without notice at the sole discretion of ChexSystems. Content found on the ChexSystems Website should be considered current only as of the initial publication date and not the date on which the content was accessed.

Communications

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Unless otherwise required by applicable law, any communications and materials you send to the ChexSystems Website or to ChexSystems by internet or electronic mail are sent on a non-confidential basis and without any promises by ChexSystems to keep such information confidential. ChexSystems further shall have the right to use (including reproduce, modify, distribute and display) such communications or materials for any purpose whatsoever (including, without limitation, to develop, manufacture and/or market products) and without any obligation to pay you compensation for such use. Any information you send ChexSystems must be legal, truthful and not violate the rights of any others. You further agree to defend, indemnify, and hold harmless ChexSystems and its affiliates, shareholder, directors, officers, and employees from any and all claims or actions for actual or alleged infringement of any patent, trademark, copyright or other property right arising out of or in connection with your failure to provide truthful information or for your violation of any third party’s intellectual property rights, privacy rights or other any other property rights.

General Provisions

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These Terms of Use, along with any other terms of use you agree to when using certain portions of the ChexSystems Website, constitute the entire agreement between you and ChexSystems with respect to accessing or using the ChexSystems Website and the information contained herein (including without limitation your access and use of Third Party Websites). These Terms of Use shall be governed by the laws of the United States and the laws of the State of Florida shall govern. Any claims or suits arising from or related to these Terms of Use or your access and/or use of the ChexSystems Website shall be brought in the Federal and State courts located in Duval County, Florida and you irrevocably agree to submit to the exclusive jurisdiction of such courts without regard to the principles of conflict of laws. ChexSystems’ failure to exercise or enforce any right or provision of these Terms of Use does not constitute a waiver of such right or provision. If a court of competent jurisdiction rules that any provision contained in these Terms of Use is invalid, then that provision will be deemed to be removed from these Terms of Use without affecting the remaining provisions, and the remaining provisions will be deemed to be valid and enforceable. The section titles in these Terms of Use are for convenience only and have no legal or contractual effect. These Terms of Use shall remain in full force and effect notwithstanding your ceasing to use the ChexSystems Website.