Terms of Use

Updated: June 11, 2024

1. Introduction and Acceptance:

This document constitutes the "Terms of Use" governing access to and utilization of this website (hereinafter referred to as the "Site"). By accessing or using the Site, you ("User") signify your unequivocal agreement to be bound by these Terms of Use in their entirety. BigSisFinance LLC (collectively, "BigSisFinance," "we," "us," or "our") reserves the unfettered right to revise or modify these Terms of Use at its sole discretion and without prior notice. Continued use of the Site subsequent to any such amendment constitutes your acceptance of the revised Terms of Use. If you find any provision of these Terms of Use to be unacceptable, you are obligated to cease using the Site immediately.

2. Permitted Use:

The Site is solely intended for your personal, non-commercial use. Any utilization of the Site for commercial purposes, including the promotion of products or services, the generation of website traffic for advertising purposes, or the re-formatting and display of search results, is strictly prohibited. Commercial use of the Site requires a prior written agreement with BigSisFinance. Please contact us for further information.

3. Disclaimer of Warranties:

The Site, its content, information, documents, graphics and images are provided "as is" and without warranties of any kind, express or implied. BigSisFinance expressly disclaims all warranties, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement. You, the User, hereby waive all such warranties. BigSisFinance assumes no responsibility for the accuracy, completeness, or timeliness of the information contained on the Site. We reserve the right to modify, alter, discontinue, or delete the information on the Site at any time without prior notice.

4. Limitation of Liability:

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, BIGSISFINANCE SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR THE INFORMATION CONTAINED THEREIN, EVEN IF BIGSISFINANCE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

5. User Conduct:

BigSisFinance may offer various services, such as email, chat rooms and message boards (collectively, "Services"). Your use of these Services is subject to your compliance with these Terms of Use. By using the Services, you agree to:

Abide by all applicable laws, regulations and rules.
Refrain from engaging in any harassing, offensive, threatening, embarrassing, or privacy-invading behavior.
Abstain from posting or transmitting any commercial, advertising, or promotional materials, including spam or mass distributions.
Provide accurate information when registering for an account and avoid impersonating others.
Refrain from posting or transmitting any false, inappropriate, improper, disorderly, or excessive messages or information.
Abstain from infringing upon any third-party intellectual property rights, including copyrights, trademarks, patents and other proprietary rights.

BigSisFinance reserves the right, at its sole discretion and without prior notice, to take any action it deems necessary to enforce these Terms of Use, including, but not limited to, banning users from accessing any or all Services, terminating user accounts, deleting messages or postings and pursuing legal action.

By using the Services, you acknowledge that BigSisFinance may, in its sole discretion, establish various practices, limitations and restrictions for administering such services, including, but not limited to:

Access frequency limitations.
Message or posting retention periods.
Message or posting limitations.
Message and posting size limitations.
Account storage space limitations.

You agree to be bound by these practices and that BigSisFinance shall not be liable for the deactivation or deletion of accounts or the loss of messages, communications, postings, data, or information as a result of such administrative actions.

6. Disclaimer of Responsibility and Endorsement:

We expressly disclaim all responsibility and liability for the accuracy, integrity, quality, completeness, usefulness, or value of any content, data, documents, graphics, images, information, advice, or opinion ("Content") contained within any of the following:

Electronic mail ("Email")
Message boards
Chat rooms
Community services ("Services")

Furthermore, we do not endorse any Content contained within these Services. While we reserve the right to monitor or control such Services at our sole discretion, we do not currently exercise such control.

7. Reservation of Rights:

We reserve the unilateral right to take any action we deem necessary, in our sole discretion, to:

Maintain the high quality of our Services.
Protect ourselves and other users from harm.

This may include, but is not limited to, the removal of Content or the termination of user accounts.

8. Affiliate Links:

The presence of the terms "Aff" or "Affiliate" within a search result denotes the inclusion of an affiliate code in the associated link. This indicates the potential for Big Sis Finance to receive financial compensation related to that specific search result.

9. Third-Party Websites and Links:

This website may contain hyperlinks to external websites ("Third-Party Websites"). We offer no warranties or representations regarding the accuracy, value, integrity, completeness, or legitimacy of information or opinions contained within such Third-Party Websites. Additionally, the inclusion of a hyperlink to any Third-Party Website shall not be construed as an endorsement by us of either the website itself or the products or services it may offer.

It is further acknowledged that these links may lead to websites or content containing offensive, objectionable, or potentially harmful elements, including computer viruses. You expressly assume all responsibility for any content encountered on these websites and any harm sustained as a result. We expressly disclaim any liability associated therewith.

10. Confidentiality:

We are unable to guarantee the absolute confidentiality of your usage of this website. We shall bear no responsibility for any harm suffered by you or any other individual arising from a breach of confidentiality in connection with your use of this website.

11. Security:

If applicable, you may be assigned a user account and password. You are solely responsible for maintaining the confidentiality of your password and account information. Furthermore, you are held fully accountable for all activities conducted via your password and account. We accept no liability for any loss of confidentiality or damages arising from your non-compliance with these terms. You are obligated to promptly notify us of any unauthorized use of your password.

12. Limitation of Liability:

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE, OUR OFFICERS, EMPLOYEES, CONTRACTORS, SUBCONTRACTORS, SUPPLIERS, AGENTS, AFFILIATES, SUBSIDIARIES, SUCCESSORS, OR ASSIGNS SHALL NOT BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, COSTS ASSOCIATED WITH INDEMNIFICATION) ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, ANY SERVICES, CONTENT, OR OTHER MATERIALS PROVIDED OR MADE AVAILABLE HEREUNDER, OR ARISING FROM THE USE OF ANY OTHER LINKS OR LINKED WEBSITES, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, REGARDLESS OF WHETHER THEY ARISE IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL BASIS. THE TERM "DAMAGES" ENCOMPASSES, WITHOUT LIMITATION, ATTORNEY FEES, LOST PROFITS, BUSINESS INTERRUPTION AND LOSS OF PROGRAMS OR DATA FROM YOUR INFORMATION HANDLING SYSTEM. YOU ACKNOWLEDGE THAT THE ECONOMIC TERMS OF THIS AGREEMENT REFLECT THE FOREGOING ALLOCATION OF RISK AND SAID ALLOCATION OF RISK IS A SIGNIFICANT FACTOR IN OUR DECISION TO PROVIDE THE SERVICES, WEBSITE AND OTHER CONTENT AND MATERIALS.

13. Intellectual Property Ownership:

We hold exclusive right, title and interest in and to the websites, the products and services offered on the websites, as well as our logos, trade names and trademarks. All other rights, title and interest (encompassing all other copyrights, trademarks and other intellectual property rights) pertaining to this website and all names, terms, logos, slogans, images and other indicia identifying Big Sis Finance's products or services constitute proprietary marks belonging exclusively to Big Sis Finance. The names of companies and products not owned by Big Sis Finance and referenced herein may be the trademarks of their respective owners. Any unauthorized use of copyrighted content or trademarks belonging to Big Sis Finance is strictly prohibited.

14. License:

This website shall not be construed as granting any license or right, whether express, implied, by estoppel, or otherwise, under any of our intellectual property rights or those of any third party. Furthermore, no portion of this website may be reproduced, republished, copied, transmitted, or distributed in any form or by any means.

15. Claims of Copyright Infringement:

BigSisFinance respects the intellectual property of others and reserves the right to, at its sole discretion and in appropriate circumstances, terminate the accounts of users who infringe upon the intellectual property rights of others. If you have reason to believe that any material on this website infringes on a copyright that you own or control, or that a link on this website directs you to another website containing material that infringes on a copyright you own or control, you may file a notification of such infringement with our designated agent in order to have the material removed or otherwise blocked from access. Please refer to the "NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT" for further information.

16. Indemnification:

16.1. Scope of Indemnification:

You ("User") hereby irrevocably agree to hold harmless, defend and indemnify BigSisFinance LLC ("BigSisFinance", "we", "us", or "our"), including its officers, directors, employees, subsidiaries, contractors, subcontractors, suppliers, agents, partners, affiliates, successors and assigns, from and against any and all liabilities, claims, demands and expenses (including reasonable attorneys' fees) arising out of or in connection with:

Your use or misuse of this website;
Any services offered on this website; and
Your or any third party's infringement of any intellectual property rights or other rights of any third party.

16.2. Right to Control Defense:

BigSisFinance reserves the exclusive right to assume the defense of any claim or matter subject to your indemnification obligation hereunder. You agree to cooperate fully with BigSisFinance in the defense of any such claim or matter.

17. Governing Law and Dispute Resolution:

17.1. Governing Law:

These Terms of Use shall be governed by and construed in accordance with the laws of the State of Washington, USA, as they apply to agreements made and solely performed therein.

17.2. Jurisdiction and Venue:

You irrevocably consent and waive any objection to personal jurisdiction and venue in the state and federal courts located in King County, Washington, USA. You agree to not commence or prosecute any suit or action arising out of or relating to these Terms of Use except in the aforementioned courts.

18. International Use:

BigSisFinance makes no representation that all content, materials and services on this website are appropriate or available for use in all geographic locations. Accessing such content, materials, or services from certain locations may be illegal or prohibited. You acknowledge and agree that you are solely responsible for compliance with all applicable laws in your jurisdiction. You agree to not access the website where such access is prohibited by law.

19. Integration; Severability; General:

19.1. Entire Agreement:

These Terms of Use, incorporated by reference any notices contained on this website, constitute the entire agreement between you and BigSisFinance regarding your access to and use of this website.

19.2. Modification of Terms:

BigSisFinance reserves the right to modify these Terms of Use at any time by posting revised Terms of Use on this website. Your continued use of this website and the services constitutes your agreement to be bound by such modified Terms of Use.

19.3. Severability:

If any provision of these Terms of Use is held to be unenforceable by a court of competent jurisdiction, such provision shall be severed from these Terms of Use without affecting the enforceability of the remaining provisions. The unenforceability of any provision in a particular jurisdiction shall not affect the enforceability of that provision in any other jurisdiction.