Please carefully read these terms and conditions. Your access to this Web site and any of its pages constitutes your agreement to be bound by the following terms and conditions. If you do not agree to the following terms and conditions, do not access this Web site or any of its pages.

The information and materials contained in this Web site, and the terms, conditions and descriptions that appear on these pages, are subject to change without notice. The site and the products and services described herein are available to United States residents only and in accordance with applicable law.

EMBER FINANCIAL SERVICES, LLC (“EMBER FINANCIAL SERVICES”) AND ITS AFFILIATES MAKE NO EXPRESS OR IMPLIED WARRANTIES OR REPRESENTATIONS OF ANY KIND WITH RESPECT TO THIS WEB SITE, INCLUDING (WITHOUT LIMITATION) THE INFORMATION, CONTENT, LINKS, CALCULATORS, GRAPHICS, COMPUTER PROGRAMS AND INTERFACES CONTAINED THEREIN, ALL OF WHICH ARE PROVIDED "AS IS, WITH ALL FAULTS, INCLUDING, BUT NOT LIMITED TO BOTH LATENT AND PATENT DEFECTS." ALL WARRANTIES ARE EXPRESSLY DISCLAIMED, INCLUDING (WITHOUT LIMITATION) WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT OF THIRD PARTY RIGHTS AND FREEDOM FROM COMPUTER VIRUSES. IN NO EVENT SHALL Ember Financial Services OR ITS AFFILIATES BE LIABLE FOR ANY DAMAGES OR LOSSES RESULTING FROM OR IN ANY WAY RELATING TO ANY PERSON'S USE OF OR INABILITY TO USE THIS WEB SITE OR ANY PART HEREOF OR ARISING OUT OF OR IN CONNECTION WITH THE COPYING OR DISPLAY OF, OR THE INTERACTION OR ANY OTHER FORM OF COMMUNICATION WITH, THIS WEB SITE AND THE INFORMATION CONTAINED AT THIS SITE OR ANY LINKED SITE INCLUDING (WITHOUT LIMITATION) LOSS OF DATA,USE OR PROFITS, FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, OR LINE OR SYSTEM FAILURE OR ANY SPECIAL, INCIDENTAL, CONSEQUENTIAL, INDIRECT OR PUNITIVE DAMAGES, REGARDLESS OF WHETHER EMBER FINANCIAL SERVICES OR ITS AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSSES. LINKS TO NON-EMBER FINANCIAL SERVICES INTERNET SITES FROM THIS WEB SITE ARE MADE AT YOUR OWN RISK. YOU SHOULD BE AWARE THAT EMBER FINANCIAL SERVICES HAS NO CONTROL OVER, AND DOES NOT ENDORSE OR WARRANT, THE CONTENT, PRODUCTS, SERVICES, OR RECOMMENDATIONS THAT MAY BE OFFERED ON ANY SUCH LINKED SITE; THAT EMBER FINANCIAL SERVICES IS NOT RESPONSIBLE FOR THE PERFORMANCE OR ANY FAILURE TO PERFORM OF ANY SUCH CONTENT, PRODUCTS, OR SERVICES; AND THAT THE PRIVACY AND SECURITY POLICIES OF THE OWNER OR OPERATOR OF ANY SUCH LINKED SITE MAY DIFFER FROM THE PRIVACY AND SECURITY POLICIES OF EMBER FINANCIAL SERVICES.

The copyright in this Web site, its contents, including (without limitation) all graphics, text, and computer programs contained therein, the underlying code, the pages displaying this Web site and the arrangement of the Web site, is owned by Ember Financial Services unless otherwise indicated. Unless otherwise indicated, you may not copy, modify, sell, distribute, display, publicly perform, transmit, use or sublicense any content or materials on this Web site without Ember Financial Services's prior written consent. All proprietary notices and copyright information on this Web site must be observed and followed.

Ember Financial Services is a registered service mark of Ember Financial Services. Certain other trademarks and service marks owned by Ember Financial Services or its affiliates may be contained in this Web site; all other marks contained herein are the property of their respective mark owners

Any information submitted to Ember Financial Services or its affiliates via this Web site shall become and remain the property of Ember Financial Services and its affiliates. Ember Financial Services and its affiliates shall be free to use such information and any idea, concepts, know-how or techniques contained in that information for any purpose. Ember Financial Services shall not be subject to any obligations of confidentiality regarding such information, except as required by law or as set forth in the privacy practices or policies applicable to your relationship with us. Users should be aware that information sent by e-mail may not be secure and may be intercepted by third parties. Please do not use e-mail to send Ember Financial Services any confidential information or information which will need immediate attention. Confidential information and matters needing immediate attention may be addressed by calling us at 1-866-503-2856.

Ember Financial Services reserves the right to seek all remedies available at law or in equity for violations of these terms and conditions, including the right to block access from a particular Internet address to this Web site.Unauthorized use of Ember Financial Services Web site, including but not limited to unauthorized entry into Ember Financial Services systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. You agree to indemnify, defend and hold harmless Ember Financial Services and its affiliates from any liability, loss, claim or expense, including attorney's fees, related to your violation of these terms and conditions or your use of the services and information provided at this Web site.

Use of this Web site shall be governed by all applicable Federal laws of the United States of America and the laws of the State of Delaware.