Last Updated: June 2025
Formulary Financial, Inc.
Terms of Service
OVERVIEW
Please read these Terms of Service carefully before you start to use this website. The website, including but not limited to formulary.co (the "Site"), is owned and operated by Formulary Financial, Inc. ("we", "us", or "Formulary"). Formulary and our affiliates provide the Site to you (the "user", "you", and "your", as applicable) subject to your acceptance of and compliance with these Terms of Service and our Privacy Policy (collectively, the "Terms").
The Site, tools, webapp, and all other applications that make up the Formulary online collaboration platform (the "Platform") and the various features, experiences, and services made available via the Platform (together with the Site and Platform collectively referred to as our "Services") are subject to these Terms.
PLEASE REVIEW THE MUTUAL ARBITRATION CLAUSE SET FORTH BELOW CAREFULLY, AS IT WILL REQUIRE YOU TO RESOLVE DISPUTES WITH US THROUGH FINAL AND BINDING ARBITRATION. BY ENTERING INTO THESE TERMS, YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND ALL OF THE TERMS OF THIS MUTUAL ARBITRATION CLAUSE.
This version of the Terms replaces and supersedes any prior terms applicable to our Services. Any terms, conditions, and policies referenced herein form part of these Terms.
We reserve the right, at our sole discretion, to revise these Terms at any time. Any changes will be posted to the Site, and your continued use of the Site or our Services after changes are posted constitutes your acceptance of the revised Terms. We recommend reviewing these Terms at the start of each visit to remain informed of any modifications. If you do not agree to the revised Terms, do not access or use our Services.
BINDING EFFECT
YOUR USE OF THE SERVICES IS YOUR AGREEMENT TO BE BOUND BY THESE TERMS EACH TIME YOU ACCESS SUCH SERVICES. IF YOU DO NOT AGREE TO ANY OF THESE TERMS, DO NOT UTILIZE OUR SERVICES.
These Terms constitute a legally binding agreement between you and Formulary. By using our Services, you represent and warrant that you:
Have read and understood these Terms;
Are at least 18 years of age or older and of legal age to enter into a binding agreement;
Are not located in a country that is subject to a United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country; and
Accept these Terms and agree that you are legally bound by them by using the Services.
USE RESTRICTIONS; ACCOUNT TERMINATION
The Services are intended for use by individuals who are 18 years of age or older. Any use of the Services by people under 18 years of age will result in immediate termination of their access.
We grant you a personal, limited, nonexclusive, nontransferable, revocable license (without the right to sublicense) to use the Services. You may view, copy, download, or print materials from the Site for your own personal use only. In this context, “personal use” does not include posting, uploading, or otherwise publishing these materials for any commercial purpose, except with our express written permission. This license does not include any rights not specifically enumerated herein, and any rights not expressly granted herein are reserved. No license or right to use any trademark of Formulary or any third party is granted to you in connection with our Services.
We may periodically offer updates, upgrades, or other modifications to our Services for functionality, security, or other purposes. We reserve the right to cease providing any of our Services at any time, with or without notice. You acknowledge that access to the Services is at our sole discretion and that we may terminate your license to access any of the Services at any time, for any reason or for no reason at all. We reserve the right, at our sole discretion, to refuse service, block or prevent future access to our Services, terminate any user’s account, and remove or edit any material submitted to the Site through the user’s account. Following termination of this license, these Terms shall apply to the extent practicable.
PROHIBITED USE
Except as expressly provided in these Terms, and without altering the scope of the license granted to you, you are hereby prohibited from:
copying, distributing, or disclosing any part of the Services in any medium, including without limitation by any automated or non-automated “scraping;”
using any automated system to access the Services in a manner that sends more requests to our servers than a human can reasonably produce in the same period of time by using a conventional online web browser (except that we grant the operators of public search engines revocable permission to use spiders to copy materials from publicly accessible web pages for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials);
transmitting spam, chain letters, or other unsolicited email;
attempting to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the Services;
taking any action that imposes, or may impose, in our sole discretion, an unreasonable or disproportionately large load on our infrastructure;
uploading invalid data, viruses, worms, Trojan horses or other software agents through the Services;
collecting or harvesting any personally identifiable information, including account names, from the Services;
using the Services for any commercial solicitation purposes;
impersonating another person or otherwise misrepresenting your affiliation with a person or entity, conducting fraud, hiding or attempting to hide your identity;
interfering with the proper working of the Services;
accessing any content on the Services through any technology or means other than those provided or authorized by the Services;
infringing the intellectual property rights or proprietary rights, or rights of publicity or privacy of any third party;
violating any statutes, laws, ordinances or regulations;
adversely affecting or reflecting negatively on our goodwill, name or reputation or causing duress, distress or discomfort to Formulary or anyone else, or discouraging any person, firm or enterprise from using all or any portion, feature, or function of the Services, or from advertising, liking or becoming a supplier to use in connection with the Services; or
bypassing the measures we may use to prevent or restrict access to the Services, including without limitation features that prevent or restrict use or copying of any content or enforcing limitations on use of the Services or the content therein.
The final decision on whether an account is in violation of any of these Terms is at our sole discretion. You agree that violations of these Terms by you or any person or entity acting under your account will—without limiting any other remedies—result in the termination of your access to our Services.
USER ACCOUNT
By creating an account, you consent to receive communications from us electronically via the email address associated with your account. You agree that any notices, agreements, disclosures, or other communications we send to you electronically will satisfy any legal communication requirements, including that such communications be in writing. While you can opt out of promotional emails, we reserve the right to email you informational or administrative notices regarding your account or the Site as permitted by the CAN-SPAM Act.
You are responsible for maintaining the confidentiality of your account and password. You agree to accept responsibility for all activities that occur under your account. You must immediately notify us of any unauthorized use of your account or any other breach of security. We are neither responsible nor liable for any loss, liability, or other injury you may incur due to someone else’s use of your account or password, with or without your knowledge.
You are expressly prohibited from selling, trading, or transferring your account (including the email address associated with such account). We have final discretion in granting accounts and reserve the right to reject users without explanation.
Enforcement
You acknowledge that your use of our Services is at our sole discretion and your license to use our Services may be terminated at any time, for any reason or no reason. We reserve the right to refuse service, block, or prevent future access to or use of the Site, suspend the Services, terminate any user’s account, and remove or edit any material submitted through your account, all in our sole discretion.
We also reserve the right, but do not have the obligation, to investigate any suspected violation of these Terms or any misuse of the Site, and to review, monitor, or remove any Content at our sole discretion for any reason or no reason, with or without notice. We shall not be liable for any alteration or deletion of any Content.
You acknowledge and agree that we may access, preserve, and disclose any inappropriate conduct, your account information, or any other information related to the Site if required to do so by law or in a good-faith belief that such access, preservation, or disclosure is reasonably necessary to:
Comply with legal processes initiated by law enforcement authorities, financial regulators, or any other legal authority;
Enforce these Terms;
Respond to claims or allegations from third parties or authorities regarding your Content;
Respond to your requests for customer service; or
Protect the rights, property, or personal safety of Formulary, its affiliates, personnel, other users, or the public.
USER CONTENT
From time to time, we may make available through the Services, features, or sections that allow users to post or upload materials (“Content”). You understand that all information, communications, data, text, software, music, sound, photographs, graphics, videos, messages, or other materials, whether publicly posted or privately transmitted, are the sole responsibility of the person from whom such Content originated. You, not Formulary, are solely responsible for all Content you upload, post, email, transmit, or otherwise make available throughout the Services.
You represent and warrant that you own or otherwise control all rights, titles, and interests to any Content you make available through our Services, that the use of any such Content does not violate the intellectual property rights or any other rights of third parties, and that use of Content you provide will not cause injury to any person or entity. Without limiting the foregoing, you represent and warrant you will not:
Provide any Content that is unlawful (according to local, state, federal, or international law) or that advocates illegal activity;
Provide any Content that is defamatory, false, libelous, or that contains unlawful, harmful, threatening, harassing, discriminatory, abusive, profane, pornographic, or obscene material;
Provide any Content that you do not have the right to provide under law or under a contractual or fiduciary relationship;
Provide any Content that infringes or violates the intellectual property rights or privacy rights of others;
Provide any Content that contains software viruses or other harmful devices;
Impersonate any other person or entity, forge headers, or otherwise manipulate identifiers to disguise the origin of any Content.
By posting or submitting Content, you hereby expressly grant us a royalty-free, perpetual, non-exclusive, irrevocable right and license to use, reproduce, adapt, modify, publish, edit, translate, perform, transmit, sell, exploit, sublicense, or otherwise distribute and display your Content, and any ideas, concepts, know-how, or techniques contained therein, for any purpose and in any form or medium now known or later developed. You also waive all moral rights in such Content. If you do not wish to grant these rights, please do not submit any Content.
We disclaim any and all liability for Content transmitted via our Services. The opinions expressed in postings or other Content may not represent the views or opinions of Formulary, its advertisers, sponsors, affiliates, or related entities. We do not guarantee the truthfulness, accuracy, or reliability of any Content. Any Content on our Services is provided “as is.” You understand that by using our Services, you may be exposed to Content that could be inaccurate, offensive, indecent, or objectionable. We are not liable for any errors or omissions in Content.
INTELLECTUAL PROPERTY
Unless otherwise noted, all aspects of the Services and the compilation of the Site is the exclusive property of Formulary or its suppliers, licensors, talent, partners, or affiliates, and is protected by U.S. and international copyright laws. All content on the Site is either owned by us or is used with the permission of its owner. You agree not to take any actions inconsistent with our ownership of the Site, the Services, or its content.
All trademarks, logos, and service marks displayed on our Services belong to us or third parties, and the Site’s trade dress belongs to Formulary. Any trademarks not owned by us are the property of their respective owners and are used by us with permission where applicable. Nothing contained on the Site or Platform may be construed as granting any right or license to use any trademark or trade dress without express written permission.
Some products and processes offered on our Services may be covered by patents and/or subject to trade secrets or proprietary rights. You agree not to infringe such rights or decompile, reverse engineer, or disassemble any products or processes on our Services.
Except as expressly authorized, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from the materials on the Site. Unauthorized use of any content or materials is strictly prohibited and may violate copyright, patent, and trademark laws, and/or privacy, publicity, communications regulations, and statutes.
RISK DISCLAIMERS
No Legal or Investment Advice
Formulary is a technology service provider. We do not provide legal advice, investment advice, financial advice, trading advice, or any other form of advice. There is no attorney-client relationship between you and us. Any materials prepared or distributed by us are for general informational purposes only and do not constitute advertising, a solicitation, or legal advice. We are not a law firm and do not provide any legal advice. We do not provide investment advice. Our Services are not a recommendation of, or an offer to sell or solicitation of an offer to buy, any particular security, strategy or investment product. At no time will the provision of any information create any broker relationship between you and us.
Forward-Looking Statements
Certain statements contained on our Site or in our Services, including statements in press releases or in publicly accessible locations, may constitute forward-looking statements (including regarding intent, belief, or current expectations). Do not place undue reliance on these forward-looking statements, as they involve known and unknown risks, uncertainties, and other factors that may cause actual future results to differ materially. No independent third party has reviewed the reasonableness of any such statements. These forward-looking statements are valid only as of the date indicated, and we expressly disclaim any responsibility to update or revise them.
Links to Third-Party Services
The services may include links to internet sites or rely on the functionality of other technologies supplied by third parties. We make no promises about those third-party sites or technologies, or their content, products, or services, as these are outside our reasonable control.
Any third-party sites or technologies suggested are not endorsed, controlled, or verified by us. We do not guarantee that any suggested technologies will work on your device or be virus free. Any suggestions made are not a warranty of any kind and we are not responsible for any disruption, problem, damage, data loss, cost, or inconvenience caused by the suggested sites or technologies. We will not provide support for any sites or technologies which are not our own. We exercise no control over the copyright, patent, or trademark compliance or legality of the suggested sites or technologies.
You acknowledge and agree that we shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such third-party sites or technologies.
We strongly advise you to read the terms of service and privacy policies of any third-party sites or technologies that you visit or use.
Disclaimer of Warranties
WE ARE ACTING SOLELY AS A TECHNOLOGY PROVIDER AND NOT AS A FINANCIAL ADVISER OR FIDUCIARY. NOTHING ON OR IN OUR SERVICES CONSTITUTES OR SHOULD BE CONSTRUED AS LEGAL, INVESTMENT, OR PROFESSIONAL ADVICE, NOR AS A RECOMMENDATION OR OFFER REGARDING SECURITIES, CURRENCY, OR ANY FINANCIAL INSTRUMENT.
ALL INFORMATION ON OUR SERVICES IS PROVIDED STRICTLY FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES AND DOES NOT CONSTITUTE ANY FORM OF PROSPECTUS, OFFER DOCUMENT, OR SOLICITATION FOR INVESTMENT. NO REGULATORY AUTHORITY HAS EXAMINED OR APPROVED ANY INFORMATION SET OUT ON OUR SITE. ACCESS AND USE OF OUR SERVICES ARE AT YOUR OWN RISK.
TO THE FULLEST EXTENT PERMISSIBLE BY LAW, WE DISCLAIMS ANY AND ALL EXPRESS, IMPLIED, STATUTORY, OR OTHER WARRANTIES, INCLUDING BUT NOT LIMITED TO TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AVAILABILITY, ACCURACY, COMPLETENESS, TIMELINESS, AND NON-INFRINGEMENT, AS WELL AS WARRANTIES ARISING THROUGH COURSE OF DEALING OR USAGE OF TRADE. WE MAKE NO WARRANTY THAT:
THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE;
THE RESULTS OR OUTPUT WILL BE ACCURATE OR RELIABLE;
ANY ERRORS IN THE SITE OR SERVICES WILL BE CORRECTED;
ANY INFORMATION YOU RECEIVE OR DOWNLOAD FROM THE SERVICES WILL BE FREE OF VIRUSES OR HARMFUL COMPONENTS.
WE MAKE NO REPRESENTATION THAT MATERIALS ON THE SITE ARE LEGAL OR AVAILABLE FOR USE OUTSIDE THE UNITED STATES. IF YOU ACCESS THE SITE FROM OUTSIDE THE UNITED STATES, YOU DO SO AT YOUR OWN RISK AND ARE RESPONSIBLE FOR COMPLIANCE WITH APPLICABLE LAWS.
Our Services are provided “as is,” and we do not warrant that they will be uninterrupted or error-free. Information provided by the Services may contain typographical errors or inaccuracies and may not be complete or current. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information at any time without prior notice. We are not responsible for typographical or other errors regarding service descriptions or availability.
REPRESENTATIONS; WARRANTIES
By accessing and using our Services, you represent and warrant that:
You will not rely solely on any statements or information on the Site or Platform in making any decision (including purchases, sales, donations, transfers, or other transactions);
You will comply with all laws, regulatory requirements, or restrictions applicable to you at your own expense;
Your Content and activities in connection with our Services do not violate, infringe, or misappropriate any third party’s copyright, trademark, privacy, publicity, or other proprietary right;
Your Content is not defamatory, abusive, tortious, offensive, or harassing, and does not otherwise violate these Terms.
LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER FORMULARY NOR ANY OF ITS EMPLOYEES, SUBSIDIARIES, AFFILIATES, AGENTS, REPRESENTATIVES, DISTRIBUTORS, OR LICENSORS WILL BE LIABLE FOR ANY DAMAGES OF ANY KIND—UNDER ANY THEORY OF LIABILITY (CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTORY, OR OTHERWISE)—ARISING FROM OR OTHERWISE RELATED TO YOUR USE OR INABILITY TO USE THE SITE OR SERVICES, INCLUDING BUT NOT LIMITED TO:
DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES,
LOSS OF PROFITS, REVENUE, DATA, OR USE,
PROPERTY DAMAGE, PERSONAL INJURY, COST OF SUBSTITUTE GOODS OR SERVICES, OR
ATTORNEYS’ FEES.
IN NO EVENT WILL OUR TOTAL LIABILITY FOR ANY AND ALL CLAIMS RELATING TO YOUR USE OF THE SITE OR SERVICES EXCEED THE AMOUNT YOU PAID (IF ANY) FOR ACCESSING OUR SERVICES WITHIN THE PRECEDING THREE (3) MONTHS. WHERE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, OUR LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.
INDEMNIFICATION
You agree to indemnify, defend, and hold us harmless and our employees, subsidiaries, affiliates, agents, representatives, distributors, and licensors from and against any claim, demand, damages, costs, expenses, and liabilities (including reasonable attorneys’ fees) that arise out of or relate to:
Your use or misuse of the Site or any Services;
Your violation of applicable laws or regulations;
Your Content or postings on the Site or Platform;
Your breach of any provision of these Terms or any warranty you provide herein.
We reserve the right, at our own expense, to assume exclusive defense and control of any matter otherwise subject to your indemnification. In such event, you agree to fully cooperate with our defense.
If you are dissatisfied with the Site or Services, or have any other dispute or claim with us, your sole and exclusive remedy is to discontinue using our Services.
GOVERNING LAW
The laws of the State of Delaware govern these Terms, without regard to conflict-of-law principles. Any action or proceeding arising from or relating to these Terms must be brought in the state or federal courts located in Chicago, Illinois, and you irrevocably consent to the personal jurisdiction and venue of these courts. You further agree to file any cause of action relating to these Terms within one (1) year after the cause of action arises. Claims filed after this date are barred.
MANDATORY ARBITRATION
If a dispute or problem arises, users should first contact us through the Platform or via email at legal@formulary.co. If we cannot resolve the dispute or problem, you consent to arbitration. BY USING THE SERVICES, YOU WAIVE THE RIGHT TO A JURY TRIAL.
Complaints
In the event of any dispute or problem please contact us in the Platform or via email. In the event that your inquiry is not promptly resolved, you may submit an official complaint to us pursuant to this section.
When submitting an official complaint, please set out: (a) the reason for your complaint; (b) how you would like us to resolve the complaint; and (c) any other information you believe to be relevant. We will acknowledge receipt of your complaint within a reasonable amount of time and then a member of our team will review your complaint and will consider it based on the information you have provided and information held by us.
Within ten (10) business days of our receipt of your complaint we will respond via email explaining how we will: (x) resolve your complaint in the way you requested; (y) make a determination rejecting your complaint and set out the reasons for the rejection; or (z) offer to resolve your complaint with an alternative solution.
Notice to California Residents
If you are a California resident, then under California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite S-202, Sacramento, California 95834, or by telephone at +1-800-952-5210 in order to resolve a complaint regarding the Services or to receive further information regarding use of the Services.
Dispute
Except as described below in the Exceptions section, you agree that every dispute arising in connection with these Terms, the Services, or communications from us will be resolved through binding arbitration. Arbitration uses a neutral arbitrator instead of a judge or jury, is less formal than a court proceeding, may allow for more limited discovery than in court, and is subject to very limited review by courts. This agreement to arbitrate disputes includes all claims whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the termination of these Terms. Any dispute relating to the interpretation, applicability, or enforceability of this binding arbitration agreement will be resolved by the arbitrator.
Exceptions
Although we are agreeing to arbitrate most disputes between us, nothing in these Terms will be deemed to waive, preclude, or otherwise limit the right of either party to: (a) bring an individual action in small claims court; (b) pursue an enforcement action through the applicable federal, state, or local agency if that action is available; (c) seek injunctive relief in a court of law in aid of arbitration; or (d) to file suit in a court of law to address an intellectual property infringement claim.
Arbitrator
This arbitration agreement, and any arbitration between us, is subject to the Federal Arbitration Act and will be administered by JAMS in accordance with the JAMS rules as modified by these Terms.
Commencing Arbitration
Before initiating arbitration, a party must first send a written notice of the dispute to the other party by certified U.S. Mail or by overnight courier (signature required) or, only if that other party has not provided a current physical address, then by electronic mail (“Notice of Arbitration”). Our address for Notice is: Croke Fairchild Duarte & Beres LLC, Attn: Drew Beres, 180 N. LaSalle St. Ste 3400, Chicago, IL 60601. The Notice of Arbitration must: (a) identify the name and phone number of the party making the claim; (b) describe the nature and basis of the claim or dispute; and (c) set forth the specific relief sought (“Demand”). The parties will make good faith efforts to resolve the claim directly, but if the parties do not reach an agreement to do so within thirty (30) days after the Notice of Arbitration is received, you or we may commence an arbitration proceeding. If you commence arbitration in accordance with these Terms, we will reimburse you for your payment of the filing fee, unless your claim is for more than US$10,000 or if we have received 25 or more similar demands for arbitration, in which case the payment of any fees will be decided by JAMS. If the arbitrator finds that either the substance of the claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all fees will be governed by JAMS and the other party may seek reimbursement for any fees paid as part of the arbitration.
Arbitration Proceedings
Any arbitration hearing will take place in the Chicago, Illinois unless we agree otherwise or, if the claim is for US$10,000 or less (and does not seek injunctive relief), you may choose whether the arbitration will be conducted: (a) solely on the basis of documents submitted to the arbitrator; (b) through a telephonic or video hearing; or (c) by an in-person hearing as established by JAMS. During the arbitration, the amount of any settlement offer made by you or us must not be disclosed to the arbitrator until after the arbitrator makes a final decision and award, if any. Regardless of the manner in which the arbitration is conducted, the arbitrator must issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based.
Arbitration Relief
Except as provided below, the arbitrator can award any relief that would be available if the claims had been brought in a court of competent jurisdiction. The arbitrator’s award shall be final and binding on all parties, except (a) for judicial review expressly permitted by law; or (b) if the arbitrator's award includes an award of injunctive relief against a party, in which case that party shall have the right to seek judicial review of the injunctive relief in a court of competent jurisdiction that shall not be bound by the arbitrator's application or conclusions of law. Judgement on the award may be entered in any court having jurisdiction.
No Class Actions
YOU AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both parties agree otherwise, the arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative or class proceeding.
Modifications to this Arbitration Provision
If we make any substantive change to this arbitration provision, you may reject the change by sending us written notice within thirty (30) days of the change to our address for Notice of Arbitration, in which case your account will be immediately terminated and this arbitration provision, as in effect immediately prior to the changes you rejected, will survive.
Enforceability
If either the provisions around “No Class Actions” or the entirety of this Section is found to be unenforceable, then the entirety of this Section will be null and void and, in that case, the exclusive jurisdiction and venue described in Governing Law will govern any action arising out of or related to these Terms.
GENERAL TERMS
You acknowledge that certain products, software, and technical information provided may be subject to U.S. export laws and regulations, as well as those of other countries. You agree to comply with all such laws and regulations in your use, transfer, or access of the Site and Services. You agree to sign any and all necessary export-related documents requested by us to comply with export laws.
These Terms, including any documents referenced herein, represent the entire understanding between you and us regarding your relationship with us and your use of our Services. They supersede all other agreements, express or implied, written or oral.
In the event of conflict or ambiguity between the English version of these Terms and a translated version, the English version shall prevail. These Terms shall not be modified except in writing, signed by our authorized representative, or as otherwise provided herein.
The provisions that by their sense and context are intended to survive the performance of these Terms shall survive termination, including provisions relating to disclaimer of warranties, licensing, ownership, damage limitations, venue, jurisdiction, arbitration, and indemnification.
If any provision of these Terms is held to be invalid or unenforceable, the remainder of the Terms shall remain in effect, and the invalid or unenforceable provision shall be replaced by a valid, enforceable provision that comes closest to the intention underlying the original provision.
Our failure to act with respect to a breach by you or others does not constitute a waiver of our rights regarding that breach or any subsequent breach. Notwithstanding any provision of these Terms, we have all remedies at law or equity to enforce these Terms.
Nothing in these Terms creates any agency, partnership, joint venture, employment, or fiduciary relationship between you and us. Neither party has authority to bind the other in any manner.
We may assign these Terms or any rights hereunder and may sublicense any and all of its rights hereunder. You may not assign or delegate any of your rights or obligations without our prior written consent, and any attempt to do so without consent is null and void.
CONTACT US
Where required, we may give notice to you by posting on the Site, by electronic mail, or by conventional mail to the address of record associated with your account. You may give contact us or otherwise provide notice to us by electronic or conventional mail at the address below:
FORMULARY FINANCIAL, INC.
Croke Fairchild Duarte & Beres LLC
Attn: Drew Beres
180 N. LaSalle St. Ste 3400
Chicago, IL 60601
If you have any questions about these Terms, our practices, or your dealings with us, please contact us at the above address.