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 Promotes Earned Income Tax Credit Awareness Day" 27 Jan 2023 10:00:00 -0500 - To make more eligible working families aware of the benefits of the Earned Income Tax Credit (EITC), the Office of the Comptroller of the Currency is promoting EITC Awareness Day on January 27. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Solicits Research on Emerging Risks in the Banking System" 23 Jan 2023 12:00:00 -0500 - The Office of the Comptroller of the Currency (OCC) is soliciting academic research papers on emerging risks in the banking system or related policy and supervisory issues for submission by March 3, 2023. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Enforcement Actions and Terminations" 19 Jan 2023 11:00:00 -0500 - 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 Announces Approval of Bank of the West – BMO Harris Bank, National Association Merger" 17 Jan 2023 17:00:00 -0500 - The Office of the Comptroller of the Currency (OCC) today approved the merger of Bank of the West, San Francisco, into BMO Harris Bank, National Association, Chicago. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Acting Comptroller Discusses Management of Large Banks" 17 Jan 2023 14:15:00 -0500 - Acting Comptroller of the Currency Michael J. Hsu today discussed large bank manageability in remarks at Brookings. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Registration Open for OCC Symposium on Bank Mergers" 12 Jan 2023 17:00:00 -0500 - The Office of the Comptroller of the Currency (OCC) today announced registration is open for its symposium on bank mergers February 10, 2023, at its headquarters in Washington, D.C. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Issues Revisions to Fair Lending Booklet" 12 Jan 2023 10:00:00 -0500 - The Office of the Comptroller of the Currency (OCC) today issued a revised version of the "Fair Lending" booklet of the Comptroller's Handbook. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Releases CRA Evaluations for 22 National Banks and Federal Savings Associations" 11 Jan 2023 12:15:00 -0500 - 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, 2022, through November 30, 2022. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Announces Deputy Comptroller for Systemic Risk Identification and Support" 11 Jan 2023 11:00:00 -0500 - The Office of the Comptroller of the Currency (OCC) today announced Melissa Love-Greenfield as Deputy Comptroller for Systemic Risk Identification and Support (SyRIS) within the Supervision Risk & Analysis division. She will assume these duties January 29, 2023. - Source: Office of the Comptroller of the Currency ||||||||||||||

"OCC Issues Annual Report for 2022" 5 Jan 2023 10:00:00 -0500 - The Office of the Comptroller of the Currency (OCC) today published its 2022 Annual Report. The OCC Annual Report provides Congress with an overview of the condition of the federal banking system, discusses the OCC's strategic priorities and initiatives, and shares the agency's financial management and condition. - Source: Office of the Comptroller of the Currency ||||||||||||||

"Federal Reserve Board announces denial of application by Custodia Bank, Inc. to become a member of the Federal Reserve System" Fri, 27 Jan 2023 16:30:00 GMT - Federal Reserve Board announces denial of application by Custodia Bank, Inc. to become a member of the Federal Reserve System - Source: ||||||||||||||

"Federal Reserve Board issues policy statement to promote a level playing field for all banks with a federal supervisor, regardless of deposit insurance status" Fri, 27 Jan 2023 16:30:00 GMT - Federal Reserve Board issues policy statement to promote a level playing field for all banks with a federal supervisor, regardless of deposit insurance status - Source: ||||||||||||||

"Federal Reserve Board announces it has fined Popular Bank $2.3 million for processing six Paycheck Protection Program (PPP) loans despite having detected that the loan applications contained significant indications of potential fraud" Tue, 24 Jan 2023 16:00:00 GMT - Federal Reserve Board announces it has fined Popular Bank $2.3 million for processing six Paycheck Protection Program (PPP) loans despite having detected that the loan applications contained significant indications of potential fraud - Source: ||||||||||||||

"Chair Powell tested positive for COVID-19, is vaccinated, has mild symptoms, and is working remotely" Wed, 18 Jan 2023 15:30:00 GMT - Chair Powell tested positive for COVID-19, is vaccinated, has mild symptoms, and is working remotely - Source: ||||||||||||||

"Federal Reserve Board announces approval of application by Bank of Montreal and BMO Financial Corp." Tue, 17 Jan 2023 22:00:00 GMT - Federal Reserve Board announces approval of application by Bank of Montreal and BMO Financial Corp. - Source: ||||||||||||||

"Federal Reserve Board provides additional details on how its pilot climate scenario analysis exercise will be conducted and the information on risk management practices that will be gathered over the course of the exercise" Tue, 17 Jan 2023 20:00:00 GMT - Federal Reserve Board provides additional details on how its pilot climate scenario analysis exercise will be conducted and the information on risk management practices that will be gathered over the course of the exercise - Source: ||||||||||||||

"Federal Reserve Board releases results of survey of senior financial officers at banks about their strategies and practices for managing reserve balances" Fri, 13 Jan 2023 19:00:00 GMT - Federal Reserve Board releases results of survey of senior financial officers at banks about their strategies and practices for managing reserve balances - Source: ||||||||||||||

"Federal Reserve Board announces Reserve Bank income and expense data and transfers to the Treasury for 2022" Fri, 13 Jan 2023 16:00:00 GMT - Federal Reserve Board announces Reserve Bank income and expense data and transfers to the Treasury for 2022 - Source: ||||||||||||||

"Minutes of the Board's discount rate meetings on November 14 through December 14, 2022" Tue, 10 Jan 2023 19:00:00 GMT - Minutes of the Board's discount rate meetings on November 14 through December 14, 2022 - Source: ||||||||||||||

"Federal Reserve Board announces the designation of the Chairs and Deputy Chairs of the 12 Federal Reserve Banks for 2023" Tue, 10 Jan 2023 19:00:00 GMT - Federal Reserve Board announces the designation of the Chairs and Deputy Chairs of the 12 Federal Reserve Banks for 2023 - Source: ||||||||||||||

"Federal Reserve Board issues enforcement actions with former employee of Regional Acceptance Corporation and former employee of Central Savings Bank" Thu, 5 Jan 2023 16:00:00 GMT - Federal Reserve Board issues enforcement actions with former employee of Regional Acceptance Corporation and former employee of Central Savings Bank - Source: ||||||||||||||

"Minutes of the Federal Open Market Committee, December 13-14, 2022" Wed, 4 Jan 2023 19:00:00 GMT - Minutes of the Federal Open Market Committee, December 13-14, 2022 - Source: ||||||||||||||

"Agencies issue joint statement on crypto-asset risks to banking organizations" Tue, 3 Jan 2023 19:00:00 GMT - Agencies issue joint statement on crypto-asset risks to banking organizations - Source: ||||||||||||||

"Federal Reserve Board announces the appointment of eight members, including six new members, to its Insurance Policy Advisory Committee (IPAC)" Thu, 22 Dec 2022 21:30:00 GMT - Federal Reserve Board announces the appointment of eight members, including six new members, to its Insurance Policy Advisory Committee (IPAC) - Source: ||||||||||||||

"Federal Reserve Board issues technical updates to its policy governing the provision of intraday credit in accounts at Federal Reserve Banks" Wed, 21 Dec 2022 17:00:00 GMT - Federal Reserve Board issues technical updates to its policy governing the provision of intraday credit in accounts at Federal Reserve Banks - Source: ||||||||||||||

"Federal Reserve Board announces approval of application by United Community Banks, Inc." Mon, 19 Dec 2022 20:00:00 GMT - Federal Reserve Board announces approval of application by United Community Banks, Inc. - Source: ||||||||||||||

"Agencies release annual asset-size thresholds under Community Reinvestment Act regulations" Mon, 19 Dec 2022 16:00:00 GMT - Agencies release annual asset-size thresholds under Community Reinvestment Act regulations - Source: ||||||||||||||

"Agencies announce results of resolution plan review for certain domestic and foreign banks" Fri, 16 Dec 2022 21:00:00 GMT - Agencies announce results of resolution plan review for certain domestic and foreign banks - Source: ||||||||||||||

"Federal Reserve Board adopts final rule that implements Adjustable Interest Rate (LIBOR) Act by identifying benchmark rates based on SOFR (Secured Overnight Financing Rate) that will replace LIBOR in certain financial contracts after June 30, 2023" Fri, 16 Dec 2022 15:00:00 GMT - Federal Reserve Board adopts final rule that implements Adjustable Interest Rate (LIBOR) Act by identifying benchmark rates based on SOFR (Secured Overnight Financing Rate) that will replace LIBOR in certain financial contracts after June 30, 2023 - Source: ||||||||||||||

"Federal Reserve Board announces approval of application by Brookline Bancorp, Inc." Thu, 15 Dec 2022 21:30:00 GMT - Federal Reserve Board announces approval of application by Brookline Bancorp, Inc. - Source: ||||||||||||||