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 CRA Evaluations for 15 National Banks and Federal Savings Associations" 20 Apr 2021 10:00:00 -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 March 1, 2021 through March 31, 2021. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Deputy Comptroller for Market Risk Policy Testifies on LIBOR Transition" 15 Apr 2021 14:00:00 -0400 - Deputy Comptroller for Market Risk Policy Kevin Walsh today testified during a hearing before the U.S. House Financial Services Subcommittee on Investor Protection, Entrepreneurship and Capital Markets regarding the upcoming cessation of the London Interbank Offered Rates (LIBOR). - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Enforcement Actions and Terminations" 15 Apr 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 Designates Four as Senior National Bank Examiners" 13 Apr 2021 15:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today designated Brad Biedermann, Kimberly Cahill, James Calhoun, and Roberta Caruso as Senior National Bank Examiners. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Agencies Issue Statement and Request for Information on Bank Secrecy Act/Anti-Money Laundering Compliance" 9 Apr 2021 11:00:00 -0400 - The federal banking agencies, in consultation with the Financial Crimes Enforcement Network and the National Credit Union Administration, today issued a joint statement addressing how risk management principles described in the "Supervisory Guidance on Model Risk Management" relate to systems or models used by banks to assist in complying with the requirements of Bank Secrecy Act (BSA) laws and regulations. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Hosts Virtual Mutual Savings Association Advisory Committee Meeting April 27" 7 Apr 2021 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) today announced it will host a virtual meeting of the Mutual Savings Association Advisory Committee (MSAAC) on Tuesday, April 27, 2021. The virtual meeting is open to the public and will begin at 11:00 a.m. Eastern Daylight Time (EDT). - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Promotes April as National Financial Capability Month" 1 Apr 2021 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) encourages national banks and federal savings associations (collectively, banks) to support financial literacy education year-round but especially during National Financial Capability Month, which runs through April 30. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller of the Currency Statement Regarding Climate Risk at the Financial Stability Oversight Council" 31 Mar 2021 15:00:00 -0400 - Acting Comptroller of the Currency Blake Paulson made the following statement today at the meeting of the Financial Stability Oversight Council (FSOC) with respect to climate risks. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Agencies Seek Wide Range of Views on Financial Institutions’ Use of Artificial Intelligence" 29 Mar 2021 14:00:00 -0400 - Five federal financial regulatory agencies are gathering insight on financial institutions? use of artificial intelligence (AI). - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Reports Decline in Mortgage Performance for Fourth Quarter 2020" 25 Mar 2021 10:00:00 -0400 - The Office of the Comptroller of the Currency (OCC) reported that the performance of first-lien mortgages in the federal banking system declined during the fourth quarter of 2020. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Minutes of the Board's discount rate meetings from February 8 through March 17, 2021" Tue, 13 Apr 2021 18:00:00 GMT - Minutes of the Board's discount rate meetings from February 8 through March 17, 2021 - Source: ||||||||||||||

"Federal Reserve Board accepting applications for its Community Advisory Council" Mon, 12 Apr 2021 14:00:00 GMT - Federal Reserve Board accepting applications for its Community Advisory Council - Source: ||||||||||||||

"Federal Reserve announces approval of application by VeraBank, Inc." Fri, 9 Apr 2021 18:30:00 GMT - Federal Reserve announces approval of application by VeraBank, Inc. - Source: ||||||||||||||

"Agencies issue statement and request for information on Bank Secrecy Act/anti-money laundering compliance" Fri, 9 Apr 2021 17:00:00 GMT - Agencies issue statement and request for information on Bank Secrecy Act/anti-money laundering compliance - Source: ||||||||||||||

"Federal Reserve Board issues enforcement actions with former employee of Farmers Bank and the Missouri Bank" Thu, 8 Apr 2021 15:00:00 GMT - Federal Reserve Board issues enforcement actions with former employee of Farmers Bank and the Missouri Bank - Source: ||||||||||||||

"Federal Reserve announces final rule making technical, clarifying changes to the Federal Open Market Committee’s rules describing its Freedom of Information Act procedures" Thu, 8 Apr 2021 14:30:00 GMT - Federal Reserve announces final rule making technical, clarifying changes to the Federal Open Market Committee’s rules describing its Freedom of Information Act procedures - Source: ||||||||||||||

"Federal Reserve Board invites public comment on a proposal to automate non-merger-related adjustments to member banks’ subscriptions to Federal Reserve Bank capital stock" Thu, 8 Apr 2021 14:00:00 GMT - Federal Reserve Board invites public comment on a proposal to automate non-merger-related adjustments to member banks’ subscriptions to Federal Reserve Bank capital stock - Source: ||||||||||||||

"Minutes of the Federal Open Market Committee, March 16-17, 2021" Wed, 7 Apr 2021 18:00:00 GMT - Minutes of the Federal Open Market Committee, March 16-17, 2021 - Source: ||||||||||||||

"Federal Reserve Board adopts final rule outlining and confirming the use of supervisory guidance for regulated institutions" Wed, 31 Mar 2021 21:00:00 GMT - Federal Reserve Board adopts final rule outlining and confirming the use of supervisory guidance for regulated institutions - Source: ||||||||||||||

"Federal Reserve Board publishes frequently asked questions (FAQs) comprising existing legal interpretations related to a number of the Board’s longstanding regulations" Wed, 31 Mar 2021 21:00:00 GMT - Federal Reserve Board publishes frequently asked questions (FAQs) comprising existing legal interpretations related to a number of the Board’s longstanding regulations - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with institution-affiliated parties of Farmers State Bank" Tue, 30 Mar 2021 15:00:00 GMT - Federal Reserve Board issues enforcement action with institution-affiliated parties of Farmers State Bank - Source: ||||||||||||||

"Agencies seek wide range of views on financial institutions' use of artificial intelligence" Mon, 29 Mar 2021 18:00:00 GMT - Agencies seek wide range of views on financial institutions' use of artificial intelligence - Source: ||||||||||||||

"Federal Reserve announces temporary and additional restrictions on bank holding company dividends and share repurchases currently in place will end for most firms after June 30, based on results from upcoming stress test" Thu, 25 Mar 2021 20:30:00 GMT - Federal Reserve announces temporary and additional restrictions on bank holding company dividends and share repurchases currently in place will end for most firms after June 30, based on results from upcoming stress test - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with former employee of Texas Community Bank" Thu, 25 Mar 2021 15:00:00 GMT - Federal Reserve Board issues enforcement action with former employee of Texas Community Bank - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with Orient Bancorporation and Bank of the Orient" Tue, 23 Mar 2021 15:00:00 GMT - Federal Reserve Board issues enforcement action with Orient Bancorporation and Bank of the Orient - Source: ||||||||||||||

"Federal Reserve System publishes annual financial statements" Mon, 22 Mar 2021 16:00:00 GMT - Federal Reserve System publishes annual financial statements - Source: ||||||||||||||

"Federal Reserve Board announces that the temporary change to its supplementary leverage ratio (SLR) for bank holding companies will expire as scheduled on March 31" Fri, 19 Mar 2021 13:00:00 GMT - Federal Reserve Board announces that the temporary change to its supplementary leverage ratio (SLR) for bank holding companies will expire as scheduled on March 31 - Source: ||||||||||||||

"Temporary supplementary leverage ratio changes to expire as scheduled" Fri, 19 Mar 2021 13:00:00 GMT - Temporary supplementary leverage ratio changes to expire as scheduled - Source: ||||||||||||||

"Federal Reserve Board issues enforcement action with Bryn Mawr Trust Company" Thu, 18 Mar 2021 15:00:00 GMT - Federal Reserve Board issues enforcement action with Bryn Mawr Trust Company - Source: ||||||||||||||

"Federal Reserve issues FOMC statement" Wed, 17 Mar 2021 18:00:00 GMT - Federal Reserve issues FOMC statement - Source: ||||||||||||||