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Terms and conditions
This website (the “Website”) is provided by Zaner Financial Services LLC (ZANER) (collectively “we” or “us”). These terms and conditions (the “Terms and Conditions”) govern your use of the Website. If you are not willing to accept these Terms and Conditions you may not use the Website. We reserve the right to change these Terms and Conditions, and any other terms and conditions contained elsewhere on the Website, at any time. It shall be your responsibility to check regularly to ensure that you agree to any such amendments. If you do not agree to any changes that we have made, you should stop accessing the Website immediately.

Reliance on information posted and Disclaimer

The Website is provided to you on an “as is” and “as available” basis without any representation, endorsement or warranty of any kind, express or implied (by law or otherwise). Accordingly, to the maximum extent permitted by law, we exclude all representations, warranties, conditions and other terms. Specifically, we do not warrant: (1) that any functions on the Website will be uninterrupted or error-free; (2) that the information on the website is correct, accurate and complete; or (3) that the Website or the server that makes it available, are free from bugs, defects or viruses. The views, expressions and opinions appearing on any interactive portion of the Website are the views, expressions and opinions of the contributors to our Website and are not the views, expressions and opinions of us as the operator of the Website. We can give no assurances or warranties regarding the accuracy, currency or applicability of any of the contents in relation to specific situations and particular circumstances and we do not suggest that it be used as a sole source of information.

All information and views expressed in our reports are based on judgments at the time of publication and are subject to change without notice due to economic, political, industry and firm-specific factors.

The information contained at our Website and in our reports is meant for the purposes of information only and is not intended to be investment, legal, tax or other advice, nor is it intended to be relied upon in making an investment or other decision.

All content is provided with the understanding that ZANER is NOT providing advice on legal, economic, investment or other professional issues and services. No representation or warranty (express or implied) is given by ZANER as to the accuracy or completeness of the information and opinions contained in our reports. You should not act upon the information contained in any of our publications without obtaining specific professional advice. To the extent permitted by law, ZANER does not accept or assume any liability, responsibility or duty of care for any consequences of you or anyone else acting, or refraining to act, in reliance on the information contained in this report or for any decision based on it.



Liability

In no event shall we be liable for any claims, penalties, loss, damage or expenses, howsoever arising, out of or in connection with your use of the Website, including, without limitation, direct or indirect loss, consequential loss or damage, loss of profit or goodwill, loss of data, loss arising from use or inability to use the Website, loss arising from any errors or omissions in the Website as a result of a breach of contract, negligence, delict. Nothing in these Terms and Conditions shall exclude or limit our liability for death or personal injury caused by negligence or for any liability which cannot be excluded or limited under applicable law.

Indemnity

You will indemnify and defend us against all claims, liability, damages, costs and expenses, including legal fees, arising out of a breach of these Terms and Conditions or any use of the Website.

Intellectual Property Rights

Unless otherwise stated, the copyright and other intellectual property rights in all material on the Website (including without limitation photographs and graphical images) are owned by us or by our licensors.
You may view or download any part of the Website for private purposes, but you are not permitted, without our permission, to: store the Website, or any part of the Website, for any other purpose; print copies of the Website, or any part of the Website, for any other purpose; reproduce copy or transmit the Website, or any part of the Website, in any way, for any other purpose or in, and/or, to any other medium. All other rights which are not specifically granted are reserved.

Use of material

Users are permitted to view and download the material on the Website for private purposes and reference material only.

Users are not permitted to use, reproduce, distribute, adapt, amend or exploit these materials for any other purpose or in any other medium or form, including for any revenue-generating purposes.

Breach of Terms and Conditions

We will determine, at our absolute discretion, where there has been a breach these Terms and Conditions through your use of our Website. When a breach has occurred, we may take such action as we deem appropriate which may include all, or any, of the following actions:

Immediate, temporary or permanent withdrawal of your right to use our Website.
Immediate, temporary or permanent removal of any posting or material uploaded by you to our Website.
Issue of a warning to you.
Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
Further legal action against you.
Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.
We exclude liability for actions taken by us in response to breaches of these Terms and Conditions.

The responses described in these Terms and Conditions are not limited, and we may take any other action we reasonably deem appropriate.

Service access

While we endeavour to ensure that the Website is normally available 24 hours a day, we shall not be liable if for any reason the Website is unavailable at any time or for any period. Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond our control.

Links to third-party websites

The Website contains links (the “Links”) to websites operated by parties other than us (“Third Party Websites”). We do not control Third Party Websites and are not responsible for their content. The inclusion of the Links does not imply any endorsement of any products, information, materials or services offered or provided on Third Party Websites, or any association with their operators. You are solely responsible for evaluating the integrity of the operators of any Third Party Websites; the accuracy and completeness of any information contained on them, and the value and authenticity of any goods or services offered through them. Note that when you follow a Link to a Third Party Website you are leaving our Website and we give no guarantee that the Third Party Website will be available or is free from bugs, defects or viruses. We accept no liability with respect to any of the products, information, material or services offered or provided by any persons or other organizations listed on, or linked to, the Website.

Should you decide to contract with any such person or organization, the contract will be directly between you and that other party. We will have no contractual involvement, and will not be liable to you in contract or otherwise for any losses or damages that you suffer in relation to and as a result of products, information, materials or services provided to you by any of these organizations. Links from Third Party Websites You may only create a link to the Website subject to our prior written consent.

Severability

If and in so far as any part or provision of the Terms and Conditions is or becomes void or unenforceable it shall be deemed not to be or never to have been or formed a part of the Terms and Conditions and the remaining provisions of the Terms and Conditions shall continue in full force and effect.

Privacy

If we gather any information about you then such information will be gathered and used by us in accordance with our Privacy policy

Waiver

No waiver by us of any breach by you of any of these Terms and Conditions shall constitute a waiver of any other breach, and no failure to exercise or partial exercise by us of any remedy shall constitute a waiver of the right subsequently to exercise that or any other remedy in part or in full.

Law and jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the state of Illinois. 

Our Site Changes Regularly

We aim to update our site regularly and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely. Any of the material on our site may be out of date at any given time, and we are under no obligation to update such material.

Variations

We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.

Your concerns

If you have any concerns about the material that appears on our site, please email info@zaner.com. Thank you for visiting our site.
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