Legal Notice, Disclaimer, and Terms of Use

Access to and use of this Web site ("The Skipjack website") is provided subject to these terms and conditions. USE OF THIS SITE CONSTITUTES ACCEPTANCE OF THESE TERMS AND CONDITIONS.

Use of Material on the Skipjack Web Site

The information, artwork, text, video, audio, or pictures (collectively, "Materials") contained on the Skipjack Web site are protected by copyright laws. Unless you are a Skipjack Merchant or Partner, you may only access and use the Materials for personal or educational purposes and you must include any copyright notice originally included with the Materials in all copies. You may not modify or use the Materials for any other purpose without Skipjack Financial Services's ("Skipjack's") express written consent. Except as provided below, you may not reproduce, republish, post, transmit or distribute any Materials on the Skipjack Web site.

Any computer software downloadable or otherwise available from the Skipjack Web site is licensed subject to the terms of the applicable license agreement.

The Materials included on the Skipjack Web site have been compiled by Skipjack from a variety of sources, and are subject to change without notice.

Linking to the Skipjack Web Site

You may place a link from your website to Skipjack’s website provided that you comply with these Terms of Use:

• You must only link to Skipjack’s homepage www.skipjack.com
• You must not copy all or any part of the content in Skipjack’s website into your website
• You must not create a frame or border environment around Skipjack’s website content
• You must not deep link to any Skipjack content without Skipjack’s permission in writing
• You must not claim Skipjack’s website content as being your own
• You must not in any way imply that Skipjack is endorsing your website or its products or services
• You must not make false or misleading statements about Skipjack
• You must not use Skipjack’s trademarks, goodwill, image, or other intellectual property rights without the written consent of Skipjack
• You must ensure that your website does not include content which could be regarded as distasteful, controversial or offensive
• You must ensure your website does not violate any intellectual property rights or other rights that belong to Skipjack or any third parties
• Skipjack has the right to request that you remove a link that breaches these Terms of Use and, if necessary, take legal action against you
• Skipjack does not accept responsibility for the accuracy or content of any third party website, web pages, services or other information external to its website.

Skipjack may, at its discretion, change these Terms of Use at any time.

Sites Linked from the Skipjack Website

The sites linked from the Skipjack Web site are not under Skipjack's control, and Skipjack does not assume any responsibility or liability for any communications or materials available at such linked sites. Skipjack does not intend links on the Skipjack Web site to be referrals or endorsements of the linked entities; they are provided for convenience only.

Disclaimer of Warranty

The services, information or data (collectively, "Information") made available at the Skipjack Web site are provided "AS IS", without warranties of any kind. Skipjack expressly disclaims any representations and warranties, including without limitation, the implied warranties of merchantability and fitness for a particular purpose. Skipjack shall have absolutely no liability in connection with the services including without limitation, any liability for damage to your computer hardware, data, information, Materials and business resulting from the Information or the lack of information available on the Skipjack Web site. Skipjack shall have no liability for:

Any loss or injury caused, in whole or in part, by its actions, omissions, or negligence, or for contingencies beyond its control, in procuring, compiling, or delivering the Information;

Any errors, omissions, or inaccuracies in the Information regardless of how caused, or delays or interruptions in delivery of the Information; or

Any decision made or action taken or not taken in reliance upon the Information furnished hereunder.

Skipjack makes no warranty, representation or guaranty as to the content, sequence, accuracy, timeliness or completeness of the Information or that the Information may be relied upon for any reason. Skipjack makes no warranty, representation or guaranty that the Information will be uninterrupted or error free or that any defects can be corrected. For purposes of this section, "Skipjack" shall include Skipjack Financial Services and its divisions, subsidiaries, successors, parent companies, and their employees, partners, principals, agents and representatives, and any third-party providers or sources of information or data.

Limitation of Liability

Under no circumstances shall Skipjack be liable for any losses or damages whatsoever, whether in contract, tort or otherwise, from the use of, or reliance on, the Information, or from the use of the Internet generally.

For purposes of this section, "Skipjack" shall include Skipjack Financial Services and its divisions, subsidiaries, successors, parent companies, and their employees, partners, principals, agents and representatives, and any third-party providers or sources of information or data.