Website Terms of Use
Last updated: October 19, 2024
These Website Terms of Use (including any document incorporated by reference herein) govern your access and use of the Zogby Financial Services websites, including all subsidiaries and affiliates. The terms herein apply to any products or services provided through our websites unless otherwise governed by a separate agreement with you.
PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING, REGISTERING, OR BROWSING THE WEBSITES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT AGREE, IMMEDIATELY CEASE USING THE WEBSITE.
1. Eligibility & Privacy
- The products and services offered through our websites are only available to individuals who are at least 18 years old and legal residents of the United States.
- BY SUBMITTING INFORMATION OR USING THE WEBSITE, YOU REPRESENT THAT YOU MEET THESE REQUIREMENTS.
- Additional terms may apply to certain products or services offered through third-party providers, which are incorporated by reference herein. In case of conflict between these Terms of Use and third-party terms, these Terms of Use will prevail.
- Zogby is committed to protecting your privacy. Our Privacy Policy is incorporated by reference into these Terms of Use.
2. Products and Services
- The websites function as an online marketplace where users can research and request various financial services, including debt resolution, loan products, and more.
- By submitting your information, you agree that Zogby may share your information with selected providers to fulfill your requests.
- By submitting your contact information, you expressly consent to be contacted by Zogby or third-party providers via phone, email, or postal mail, even if you are listed on any “Do Not Call” registries.
3. Modification of Terms
Zogby reserves the right to change, modify, add, or remove portions of these Terms of Use at any time by posting updated terms. It is your responsibility to review these Terms periodically. Continued use of the website after updates signifies your acceptance of the changes.
4. License Grants
- Zogby grants you a limited, non-exclusive, non-transferable, revocable license to use the websites solely to access information and contact providers of services featured therein.
- Zogby reserves all rights not explicitly granted herein.
- By using the websites, you grant Zogby a worldwide, non-exclusive, perpetual, royalty-free license to use, distribute, and display your information as necessary to provide services.
5. Prohibited Conduct
By using the website, you agree not to:
- Use the website for purposes other than accessing information or contacting service providers.
- Submit illegal, harmful, abusive, or otherwise objectionable content.
- Attempt to bypass security features or interfere with the website’s infrastructure.
- Use bots, scrapers, or automated systems to access the website.
- Impersonate another individual or entity.
- Submit information you do not have the right to provide.
6. Ownership and Intellectual Property
The websites, including all content, graphics, designs, and software, are the property of Zogby and its licensors and are protected by intellectual property laws. You may not distribute, modify, or reproduce any content without Zogby’s explicit authorization.
7. Third-Party Links & Dealings
The websites may link to third-party sites or feature services provided by third parties. Zogby is not responsible for the content, privacy policies, or practices of third-party websites. Any interactions between you and third-party service providers are solely between you and that third party.
8. Termination
Zogby may terminate your access to the websites for any reason, at any time, without liability or notice. Any suspected fraudulent or illegal activity will be referred to law enforcement.
9. Indemnification
You agree to indemnify and hold Zogby, its employees, contractors, agents, and third-party providers harmless from any claims or liabilities resulting from your use of the website, your violation of these Terms, or your breach of any representation or warranty.
10. Disclaimer of Warranties
TO THE FULLEST EXTENT PERMITTED BY LAW, ZOGBY AND ITS THIRD-PARTY PROVIDERS DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. THE WEBSITES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. YOUR USE OF THE WEBSITE IS AT YOUR OWN RISK.
11. Limitation of Liability
UNDER NO CIRCUMSTANCES WILL ZOGBY OR ITS AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE WEBSITE OR YOUR INABILITY TO USE IT, EVEN IF ZOGBY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
12. Release
By using the websites, you agree to release Zogby, its third-party providers, and their respective employees from any claims or damages related to your use of the websites. California residents waive California Civil Code Section 1542, which states: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release.”
13. Dispute Resolution
For any disputes arising from these Terms or the use of Zogby websites, you agree to first attempt resolution through direct contact with Zogby. If informal resolution fails, disputes may be settled through arbitration or small claims court for claims under $10,000, based on written submissions without personal appearances unless mutually agreed otherwise.
14. Miscellaneous
- Notice: Zogby may provide notices via email or postings on the website. Notices are deemed given 24 hours after being sent by email.
- Waiver & Severability: Failure to enforce any provision does not constitute a waiver. If any provision is deemed invalid, the remaining terms shall continue in full force.
- Choice of Law & Forum: These Terms are governed by the laws of the State of New York. Any disputes will be resolved exclusively in New York County, New York courts.
- Assignment: You may not assign these Terms without Zogby’s written consent. Zogby may freely assign its rights and obligations.
- Entire Agreement: These Terms, along with any referenced documents, constitute the entire agreement between you and Zogby.
Contact Information
For further inquiries or issues related to these Terms of Use, contact us at:
Zogby Financial Services
Email: support@zogby.com
