Terms and Conditions

Agreement between User and Ubiquity Systems, LLC (the “Company” or “USLLC”).

Welcome to our Company’s web page. The website (the "Site") is comprised of various web pages operated by Ubiquity Systems, LLC (“USLLC”). The use of which is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of this website constitutes your agreement to all such Terms. Please read these terms carefully and keep a copy of them for your reference.

This is a website specializing in the sale of software and related services.

Privacy

Your use of this website is subject to USLLC's Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices.

Electronic Communications

Visiting this website or sending emails to USLLC constitutes electronic communications. You consent to receive electronic communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communications be in writing.

Children Under Thirteen

USLLC does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are under 18, you may not use our website, unless you have the permission of a parent or guardian.

Cancellation/Refund Policy

Please review the return policy for each product listed on the website as posted in the product information for that particular product.

Links to Third Party Sites/Third Party Services

We may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of USLLC and USLLC is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. USLLC is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by USLLC of the site or any association with its operators.

Certain services made available via the Internet are delivered by third party sites and organizations. By using any product, service or functionality originating from our domain, you hereby acknowledge and consent that USLLC may share such information and data with any third party with whom USLLC has a contractual relationship to provide the requested product, service or functionality on behalf of you, the customer.

No Unlawful or Prohibited Use/Intellectual Property

You are granted a non-exclusive, non-transferable, revocable license to access and use our website strictly in accordance with these terms of use. As a condition of your use of the Site, you warrant to USLLC that you will not use the Site for any purpose that is unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on the Site, is the property of USLLC or its suppliers and protected by copyright and other laws that protect intellectual property and proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any of the content, in whole or in part, found on the Site. USLLC content is not for resale. Your use of the Site does not entitle you to make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices in any content. You will use protected content solely for your use as authorized, and will make no other use of the content without the express written permission of USLLC and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do not grant you any licenses, express or implied, to the intellectual property of USLLC or our licensors except as expressly authorized by these Terms.

International Users

The Service is controlled, operated and administered by USLLC from our offices within the USA. If you access the Service from a location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the USLLC Content accessed here in the USA in any other country or in any manner prohibited by any applicable laws, restrictions or regulations.

Indemnification

You agree to indemnify, defend and hold harmless USLLC, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorney's fees) relating to or arising out of your use of or inability to use the Site or services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your violation of any applicable laws, rules or regulations. USLLC reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with USLLC in asserting any available defenses.

Arbitration

In the event the parties are not able to resolve any dispute between them arising out of or concerning these Terms and Conditions, or any provisions hereof, whether in contract, tort, or otherwise at law or in equity for damages or any other relief, then such dispute shall be resolved only by final and binding arbitration pursuant to the Federal Arbitration Act, conducted by a single neutral arbitrator and administered by the American Arbitration Association, or a similar arbitration service selected by the parties, in a location mutually agreed upon by the parties. The arbitrator's award shall be final, and judgment may be entered upon it in any court having jurisdiction. In the event that any legal or equitable action, proceeding or arbitration arises out of or concerns these Terms and Conditions, the prevailing party shall be entitled to recover its costs and reasonable attorney's fees. The parties agree to arbitrate all disputes and claims in regards to these Terms and Conditions or any disputes arising as a result of these Terms and Conditions, whether directly or indirectly, including Tort claims that are a result of these Terms and Conditions. The parties agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision. The entire dispute, including the scope and enforceability of this arbitration provision shall be determined by the Arbitrator. This arbitration provision shall survive the termination of these Terms and Conditions.

Liability Disclaimer

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. UBIQUITY SYSTEMS, LLC AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE AT ANY TIME.

UBIQUITY SYSTEMS, LLC AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. UBIQUITY SYSTEMS, LLC AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL UBIQUITY SYSTEMS, LLC AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF UBIQUITY SYSTEMS, LLC OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Termination/Access Restriction

USLLC reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of New Jersey and you hereby consent to the exclusive jurisdiction and venue of courts in New Jersey in all disputes arising out of or relating to the use of the Site. Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation, this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and USLLC as a result of this agreement or use of the Site. USLLC's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of USLLC's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by USLLC with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and USLLC with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and USLLC with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be written in English.

Changes to Terms

USLLC reserves the right, in its sole discretion, to change the Terms under which the web page is offered. The most current version of the Terms will supersede all previous versions. USLLC encourages you to periodically review the Terms to stay informed of our updates.

Contact Us

USLLC welcomes your questions or comments regarding the Terms:

Ubiquity Systems, LLC
PO Box 1794
Perth Amboy, New Jersey 08861

Effective as of August 01, 2019

"OCC Releases Bank Supervision Operating Plan for Fiscal Year 2022" 15 Oct 2021 12:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today released its bank supervision operating plan for fiscal year (FY) 2022. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller Discusses Diversity and Inclusion" 5 Oct 2021 12:00:00 -0400 - Acting Comptroller of the Currency Michael J. Hsu today discussed the importance of promoting diversity and inclusion in the financial services sector during remarks at the Women in Housing & Finance Public Policy Luncheon. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Releases CRA Evaluations for 14 National Banks and Federal Savings Associations" 1 Oct 2021 14:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today released a list of Community Reinvestment Act (CRA) performance evaluations that became public during the period of September 1, 2021 through September 30, 2021. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Reports Improvement in Mortgage Performance " 28 Sep 2021 15:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) reported that the performance of first-lien mortgages in the federal banking system improved during the second quarter of 2021. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Releases Fall/Winter Schedule of Virtual Workshops for Community Bank Directors" 23 Sep 2021 14:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today announced its fall and winter schedule of free, virtual workshops for boards of directors of community national banks and federal savings associations. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller Discusses Innovation in Digital Assets" 21 Sep 2021 14:00:00 -0400 - Acting Comptroller of the Currency Michael J. Hsu today discussed blockchain, cryptocurrencies, decentralized finance, and key lessons from the 2008 financial crisis that should guide the future of digital innovation during remarks before the Blockchain Association. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Issues Cease and Desist Order Against MUFG Union Bank for Deficiencies Relating to Technology and Operational Risk Governance" 20 Sep 2021 14:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today issued a Cease and Desist Order against MUFG Union Bank, N.A. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Enforcement Actions and Terminations" 16 Sep 2021 11:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today released new enforcement actions taken against national banks, federal savings associations, and individuals currently and formerly affiliated with national banks and federal savings associations. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Reports Second Quarter 2021 Bank Trading Revenue" 16 Sep 2021 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) reported trading revenue of U.S. commercial banks and savings associations of $8.1 billion in the second quarter of 2021.. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller Discusses Priorities, Safeguarding Trust in Banking" 15 Sep 2021 13:00:00 -0400 - Acting Comptroller of the Currency Michael J. Hsu today discussed the agency's priorities during an appearance before the Exchequer Club. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Minutes of the Board's discount rate meetings from August 23 through September 22, 2021" Tue, 19 Oct 2021 18:00:00 GMT - Minutes of the Board's discount rate meetings from August 23 through September 22, 2021 - Source: ||||||||||||||

"Federal Reserve Board announces it has joined the Central Bank Network for Indigenous Inclusion, which will foster ongoing dialogue, research, and education to raise awareness of economic and financial issues and opportunities around Indigenous economies" Wed, 13 Oct 2021 19:30:00 GMT - Federal Reserve Board announces it has joined the Central Bank Network for Indigenous Inclusion, which will foster ongoing dialogue, research, and education to raise awareness of economic and financial issues and opportunities around Indigenous economies - Source: ||||||||||||||

"Minutes of the Federal Open Market Committee, September 21-22, 2021" Wed, 13 Oct 2021 18:00:00 GMT - Minutes of the Federal Open Market Committee, September 21-22, 2021 - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with former employee of Banco Popular de Puerto Rico" Tue, 12 Oct 2021 15:00:00 GMT - Federal Reserve Board issues enforcement action with former employee of Banco Popular de Puerto Rico - Source: ||||||||||||||

"Federal Reserve Board issues enforcement actions with Pioneer Bank and former employee of Pacific Premier Bank" Thu, 7 Oct 2021 15:00:00 GMT - Federal Reserve Board issues enforcement actions with Pioneer Bank and former employee of Pacific Premier Bank - Source: ||||||||||||||

"Federal Reserve Board announces the Reserve Banks will adopt a new message format for the Fedwire® Funds Service and invites public comment on proposal to expedite adoption" Mon, 4 Oct 2021 18:00:00 GMT - Federal Reserve Board announces the Reserve Banks will adopt a new message format for the Fedwire® Funds Service and invites public comment on proposal to expedite adoption - Source: ||||||||||||||

"Federal Reserve Board announces termination of enforcement action with UBS AG and UBS AG Stamford Branch" Fri, 1 Oct 2021 15:00:00 GMT - Federal Reserve Board announces termination of enforcement action with UBS AG and UBS AG Stamford Branch - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with former employee of Simmons Bank and announces termination of enforcement action with The Bank & Trust" Thu, 23 Sep 2021 15:00:00 GMT - Federal Reserve Board issues enforcement action with former employee of Simmons Bank and announces termination of enforcement action with The Bank & Trust - Source: ||||||||||||||

"Federal Reserve issues FOMC statement" Wed, 22 Sep 2021 18:00:00 GMT - Federal Reserve issues FOMC statement - Source: ||||||||||||||

"Federal Reserve Board and Federal Open Market Committee release economic projections from the September 21-22 FOMC meeting" Wed, 22 Sep 2021 18:00:00 GMT - Federal Reserve Board and Federal Open Market Committee release economic projections from the September 21-22 FOMC meeting - Source: ||||||||||||||

"Federal Reserve publishes paper describing landscape of partnerships between community banks and fintech companies" Thu, 9 Sep 2021 16:00:00 GMT - Federal Reserve publishes paper describing landscape of partnerships between community banks and fintech companies - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with former institution-affiliated party of BNP Paribas" Thu, 9 Sep 2021 15:00:00 GMT - Federal Reserve Board issues enforcement action with former institution-affiliated party of BNP Paribas - Source: ||||||||||||||

"Agencies extend comment period on proposed risk management guidance for third-party relationships" Tue, 7 Sep 2021 14:30:00 GMT - Agencies extend comment period on proposed risk management guidance for third-party relationships - Source: ||||||||||||||

"Federal Reserve Board announces termination of enforcement action with Intesa Sanpaolo S.p.A. and Intesa Sanpaolo S.p.A. New York Branch" Thu, 2 Sep 2021 15:00:00 GMT - Federal Reserve Board announces termination of enforcement action with Intesa Sanpaolo S.p.A. and Intesa Sanpaolo S.p.A. New York Branch - Source: ||||||||||||||

"Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by California Wildfires" Tue, 31 Aug 2021 17:00:00 GMT - Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by California Wildfires - Source: ||||||||||||||

"Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by Hurricane Ida" Mon, 30 Aug 2021 20:30:00 GMT - Federal and state financial regulatory agencies issue interagency statement on supervisory practices regarding financial institutions affected by Hurricane Ida - Source: ||||||||||||||

"Agencies issue guide to help community banks evaluate fintech relationships" Fri, 27 Aug 2021 16:00:00 GMT - Agencies issue guide to help community banks evaluate fintech relationships - Source: ||||||||||||||

"Minutes of the Board's discount rate meetings on July 19 and July 28, 2021" Tue, 24 Aug 2021 18:00:00 GMT - Minutes of the Board's discount rate meetings on July 19 and July 28, 2021 - Source: ||||||||||||||

"Federal Reserve Board announces termination of enforcement action with AllNations Bank" Tue, 24 Aug 2021 15:00:00 GMT - Federal Reserve Board announces termination of enforcement action with AllNations Bank - Source: ||||||||||||||

"Minutes of the Federal Open Market Committee, July 27-28, 2021" Wed, 18 Aug 2021 18:00:00 GMT - Minutes of the Federal Open Market Committee, July 27-28, 2021 - Source: ||||||||||||||