Welcome to Ribbit. Ribbit Website and Services (“Sites and Services”) is comprised of various web pages, APIs, software and hardware operated by CFSI. Our Sites and Services are offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of our Sites and Services constitutes your agreement to all such Terms. Please read these terms carefully, and keep a copy of them for your reference.
CFSI is a Financial Services Provider
The Sites and Services that CFSI has enables applications to connect with end-user
Visiting any of CFSI’s Sites, using one of CFSI’s Services or sending emails to CFSI constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on CFSI’s Services and Site, satisfy any legal requirement that such communications be in writing. In the case where you do not want to receive email communication from CFSI, please contact firstname.lastname@example.org.
If you use our Sites and Services, you are responsible for maintaining the confidentiality of your account and credentials and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or credentials. You may not assign or otherwise transfer your account to any other person or entity. You acknowledge that CFSI is not responsible for third party access to your account that results from theft or misappropriation of your account. CFSI and its associates reserve the right to refuse or cancel service, terminate accounts, or remove or edit content in our sole discretion.
CFSI does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may use our services only with permission of a parent or guardian.
Links to third party sites/Third party services
Our services may contain connections to third party sites and services ("Third-Party Providers"). The Third-Party Providers are not under the control of CFSI and CFSI is not responsible for the contents of any Third-Party Provider, including without limitation any link contained in a Third-Party Provider service, or any changes or updates to a Third-Party Provider. CFSI is providing these Third-Party Provider services to you only as a convenience, and the inclusion of any Third-Party Provider service does not imply endorsement by CFSI of their service or any association with its operators.
Certain services made available via CFSI’s Sites and Services are delivered by third party sites and organizations. By using any product, service or functionality originating from the followthefrog.com domain and subdomains, you hereby acknowledge and consent that CFSI may share such information and data with any third party with whom CFSI has a contractual relationship to provide the requested product, service or functionality on behalf of followthefrog.com users and customers.
No unlawful or prohibited use/Intellectual Property
All content included as part of CFSI’s Sites and Services, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of CFSI or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.
You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. CFSI content is not for resale. Your use of CFSI’s Sites and Services does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written permission of CFSI and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of CFSI or our licensors except as expressly authorized by these Terms.
Third Party Accounts
You will be able to connect your CFSI account to third party accounts. By connecting your CFSI account to your third-party account, you acknowledge and agree that you are consenting to the continuous release of information about you to others (in accordance with your privacy settings on those third-party sites and services). If you do not want information about you to be shared in this manner, do not use this feature.
CFSI’s Sites and Services are controlled, operated and administered by CFSI from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the CFSI Content accessed through Sites and Services that CFSI owns in any country or in any manner prohibited by any applicable laws, restrictions or regulations.
You agree to indemnify, defend and hold harmless CFSI, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorneys' fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. CFSI reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with CFSI in asserting any available defenses.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. RIBBIT AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.
RIBBIT AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. RIBBIT AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
CFSI reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Ohio and you hereby consent to the exclusive jurisdiction and venue of courts in Ohio in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.
You agree that no joint venture, partnership, employment, or agency relationship exists between you and CFSI as a result of this agreement or use of the Site. CFSI's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of CFSI's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by CFSI with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.
Unless otherwise specified within a signed and executed contract or agreement between CFSI and end user, this agreement constitutes the entire agreement between the user and CFSI with respect to CFSI’s Site and Services and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and CFSI with respect to CFSI’s Site and Services. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.
Changes to Terms
CFSI reserves the right, in its sole discretion, to change the Terms under which our Sites and Services are offered. The most current version of the Terms will supersede all previous versions. CFSI encourages you to periodically review the Terms to stay informed of our updates
CFSI welcomes your questions or comments regarding the Terms:
5166 College Corner Pike
Oxford, Ohio 45056
Effective as of May 09, 2016
Last Updated May 17, 2018