Please read these Terms of Service ("Terms") carefully before using the Bank Health Monitor application (the "Service") operated by Sam Young ("we," "us," or "our").
1. Acceptance of Terms
By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the Service.
2. Entertainment Purposes Only
The Bank Health Monitor application is provided for entertainment and informational purposes only. The Service is not intended to provide financial, investment, legal, tax, or any other professional advice.
3. No Financial Advice
Nothing contained in the Service constitutes financial advice, recommendation, or endorsement of any financial institution, financial product, or investment strategy.
Before making any decisions regarding your finances, investments, or banking relationships, you should consult with qualified financial professionals.
4. Data Accuracy and Currency
While we strive to use reasonable efforts to include accurate and up-to-date information in the Service, we make no warranties or representations as to the accuracy, currency, or completeness of the information provided.
The Service makes no claims as to the currency, accuracy, or validity of the data presented. Data may be outdated, incomplete, or contain errors.
5. No Affiliation with Financial Institutions
The Service is not affiliated with, endorsed by, or in any way connected to any of the financial institutions listed within the application.
6. Texas Ratio and Risk Assessments
The Texas Ratio and other metrics displayed in the Service are mathematical calculations based on publicly available data. These ratios and assessments are simplified models and may not reflect the full complexity of a financial institution's health.
7. Disclaimer of Warranties
The Service is provided "as is" and "as available" without any representations or warranties, express or implied.
8. Limitation of Liability
To the maximum extent permitted by applicable law, we shall not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages, or any loss of profits or revenue, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from:
- Your access to or use of or inability to access or use the Service;
- Any conduct or content of any third party on the Service;
- Any financial decisions or actions taken or not taken based on information provided by the Service;
- Unauthorized access, use, or alteration of your transmissions or content;
- Any inaccurate or outdated information provided through the Service;
- Any reliance placed by you on the completeness, accuracy, or existence of any content, or as a result of any relationship or transaction between you and any financial institution featured on the Service.
9. Indemnification
You agree to defend, indemnify, and hold harmless us, our affiliates, and their respective directors, officers, employees, agents, and representatives from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including but not limited to attorney's fees) arising from or in connection with:
- Your use of and access to the Service;
- Your violation of any term of these Terms;
- Any decisions made or actions taken by you based on information provided through the Service;
- Any claim that your use of the Service caused damage to a third party.
10. Monitoring and Alerts
If you subscribe to monitoring or alerts through the Service, we make no guarantee as to the timeliness, accuracy, or delivery of such alerts.
11. Modifications to the Service
We reserve the right to modify, suspend, or discontinue, temporarily or permanently, the Service or any part thereof, with or without notice.
12. Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect.
13. Governing Law
These Terms shall be governed and construed in accordance with the laws of Victoria, Australia, without regard to its conflict of law provisions.
14. Contact Us
If you have any questions about these Terms, please contact us.