BY USING THE APPLICATION OR BY CLICKING “AGREE”, YOU INDICATE THAT YOUR ACCEPTANCE OF THE TERMS AND YOUR AGREEMENT TO BE BOUND BY THESE TERMS. THESE TERMS SET FORTH THE LEGALLY BINDING TERMS AND CONDITIONS THAT GOVERN YOUR USE OF THE APPLICATION. THE TERMS ALSO APPLY TO YOUR USE OF ANY GOODS, FACILITIES OR SERVICES PROVIDED THROUGH THE APPLICATION (COLLECTIVELY, THE “SERVICES”), REGARDLESS OF HOW THEY ARE ACCESSED. BY ACCESSING OR USING THE APPLICATION, YOU ARE ACCEPTING THESE TERMS (ON BEHALF OF YOURSELF OR THE ENTITY THAT YOU REPRESENT), AND YOU REPRESENT AND WARRANT THAT YOU HAVE THE RIGHT, AUTHORITY, AND CAPACITY TO ENTER INTO THESE TERMS (ON BEHALF OF YOURSELF OR THE ENTITY THAT YOU REPRESENT). We update and improve the Application regularly, so we reserve the right to update and revise these Terms as we do. We can change these Terms at any time, and if we do, we will make reasonable efforts to provide you with prior notice of any changes, but we also encourage you to check back to the Site frequently. Your continued use of the Application after any change to these Terms confirms your acceptance of any revisions or changes in newer versions. You should consult these Terms each time you access the Application to view any changes. These Terms were last modified on the date indicated above.
AS DESCRIBED BELOW (SECTION 15), THESE TERMS PROVIDE FOR THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS, AND ALSO LIMIT THE REMEDIES AVAILABLE TO YOU IN THE EVENT OF A DISPUTE.
1.1 Account Creation. In order to use certain features of the Application, you must register for an account (“Account”) and provide certain information about yourself as prompted by the account registration form. You represent and warrant that: (a) all required registration information you submit is truthful and accurate; (b) you will maintain the accuracy of such information. You may delete your Account at any time, for any reason, by following the instructions on the Application. Company may suspend or terminate your Account in accordance with Section 9.2. To protect your privacy and your information, you authorize us to verify your identity as we consider necessary. The information we will request may include but are not limited to your full address, your date of birth, your social security number, or unique verifying information you provide against third-party databases or through other sources, including your mobile device and/or device operating environment. If you do not provide this information or Ruffo cannot verify your User identity, we may refuse to allow you to use the Application.
1.2 Account Responsibilities. You are responsible for maintaining the confidentiality of your Account login information and are fully responsible for all activities that occur under your Account. You agree to immediately notify Company of any unauthorized use, or suspected unauthorized use of your Account or any other breach of security. Company cannot and will not be liable for any loss or damage arising from your failure to comply with the above requirements.
1.3 Accuracy of Information. Accurate records enable Ruffo to provide the Application to you. You acknowledge that if you provide any information to us that is not current, complete, or accurate, Ruffo may terminate these Terms and your continued access and use of the Application. You agree to update your information to assure it is always current, complete, and accurate. Ruffo is not liable to you for any information Ruffo provides in response to inaccurate or outdated information you provide us or that you provide to us from a Third-Party Service or Third-Party Content.
1.4 Account Information from Third-Party Services and Third-Party Content. Users may direct Ruffo to retrieve their own information maintained online by third-parties, including Providers (as defined in Section 26(d)) or other third-party entities. (“Account Information”). Ruffo cannot always foresee or anticipate technical or other difficulties, including device operating environment malfunctions or other service interruptions, which may result in failure to obtain data or loss of data or personalization settings. Ruffo cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, communications, or personalization settings. For example, when displayed through the Application, Account Information is only as fresh as the time shown, which reflects when the information is obtained from such third-party sources. Such information may be more up-to-date when obtained directly from the relevant third-party sites. Ruffo is not liable to you for any information you provide to us from a Third-Party Service or Third-Party Content.
1.5 Conditions for Account Registration. Registration of your Account on this Application is subject to the following conditions: (a) Accounts registered by bots or any other automated methods are not permitted, (b) unless otherwise specified, you must register only one account, and (c) unless explicitly permitted, your Account may not be shared with other persons.
1.6 Eligibility. You represent and warrant that if you are using this Application you are (1) at least 13 years of age; (2) you have not been previously suspended or removed from the Application; (3) you are or have legal authority to act for the User you register; and (4) your registration and your use of the Application is in compliance with all applicable laws. Ruffo provides the Application from the United States. If you are using the Application from outside the United States, the Application may not be appropriate or permitted under applicable law. It is your responsibility to use the Application in accordance with all applicable law in any jurisdiction that applies to you. We make no representations or warranties that the information, products, or services provided through our Application, are appropriate for access or use in other jurisdictions. You are not permitted to access or use our Application in any jurisdiction or country if it would be contrary to the law or regulation of that jurisdiction or if it would subject us to the laws of, or any registration requirement with, such jurisdiction. We reserve the right to limit the availability of our Application or the provision of any of our content of our Application to any person, geographic area, or jurisdiction, at any time and in our sole and absolute discretion.
1.7 Credentials. As part of the registration process, you might be asked to select a username, password, or other login credentials. You are responsible for maintaining the security and confidentiality of your login credentials. You agree to notify Ruffo immediately of any suspected or verified unauthorized use of your account or any other breach of security. To notify us, contact us at email@example.com you are responsible for all use of the Application occurring under your account. Ruffo will not be liable for any loss that you incur as a result of someone else using your login credentials or account. Except as otherwise explicitly provided in these Terms as may be expressly required by applicable law, you will not, and will not permit or authorize third parties (other than those designated by the User for purposes of assistance to access Ruffo, due to a handicap or other physical disability or limitation) (1) to access the Application using their login credentials, (2) to use the Application to provide services to other third parties; or (3) to breach, circumvent, tamper with or disable any security or other technological features or measures of the Application; User is responsible for all activity that occurs under its login credentials.
1.8 Closing your Account. You may close your account at any time and without cost, but you will remain liable for any fees or other charges incurred in connection with your Account. You can close your account by emailing firstname.lastname@example.org.
2.1 License. Subject to these Terms, Ruffo grants you a non-transferable, non-exclusive, revocable, limited license to use and access the Application solely for your own personal, noncommercial use.
2.2 Certain Restrictions. You may use the Application solely for lawful purposes, as intended through the provided functionality of the Application. You may not (and you may not allow or assist any third party to):
(a) use, copy, modify, create derivative works, install, transfer, or distribute the Service, except as specifically described in these Terms and any usage limitations communicated to you;
(b) rent, lease, or otherwise permit third parties to use the Application, or reformat, mirror, or frame any portion of the Application;
(c) circumvent or disable any security features of the Application, or probe, scan, or test the vulnerability of the Application;
(d) gain unauthorized access to the Application, to other users’ accounts, names, or personally identifiable information, or to other computers or websites connected or linked to the Application;
(e) use the Application to distribute any viruses or other malicious code, or to transmit large amounts of data in a way that would be expected to have a detrimental effect on the Application;
(f) use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, “data mine,” or reproduce or circumvent the navigational structure or presentation of the Application or its contents;
(g) reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code, object code, or underlying structure, ideas, know-how, or algorithms related to the Application (except to the extent this restriction is prohibited by applicable law);
(h) use the Application to transmit (i) any content or information that is unlawful, fraudulent, threatening, harassing, abusive, hateful, libelous, defamatory, obscene or otherwise objectionable, (ii) any material, non-public information about individuals or companies without the authorization to do so, (iii) any trade secret of any third party, and/or (iv) any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities, or other unsolicited commercial communication (except as otherwise expressly permitted by us), or engage in spamming or flooding;
(i) restrict, discourage, or inhibit any other user from using the Application;
(j) disclose personal information about a third party or another user on the Application or obtained from the Application without the consent of such third party or User, or solicit, harvest, or collect information about other Ruffo users without their consent;
(k) violate any applicable international, federal, state, provincial, or local laws or regulations;
(l) use the Application in violation of Ruffo’s or any third party's intellectual property or other rights;
(m) express or imply that any statements you make are endorsed by Ruffo, without our prior written consent in each instance; or
(n) use or access the Application to build a competing service.
We may take any legal action and implement any technical remedies to prevent the violation of these restrictions and to enforce these Terms.
Unless otherwise indicated, any future release, update, or other addition to functionality of the Application shall be subject to these Terms. All copyright and other proprietary notices on the Application (or on any content displayed on the Application) must be retained on all copies thereof.
2.3 Modification. Company reserves the right, at any time, to modify, suspend, or discontinue the Application (in whole or in part) with or without notice to you. You agree that Company will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Application or any part thereof.
2.4 No Support or Maintenance. You acknowledge and agree that Company will have no obligation to provide you with any support or maintenance in connection with the Application.
2.5 Ownership. Excluding any User Content that you may provide (defined below in Section 3.1), you acknowledge that all the intellectual property rights, including copyrights, patents, trademarks, and trade secrets, in the Application and its content are owned by Company or Company’s suppliers. Neither these Terms (nor your access to the Application) transfers to you or any third party any rights, title or interest in or to such intellectual property rights, except for the limited access rights expressly set forth in Section 2.1. Company and its suppliers reserve all rights not granted in these Terms. There are no implied licenses granted under these Terms.
3.1 User Content. “User Content” means any and all information and content that a user submits to, or uses with, the Application (e.g., content in the user’s profile or postings). You are solely responsible for your User Content. You assume all risks associated with use of your User Content, including any reliance on its accuracy, completeness or usefulness by others, or any disclosure of your User Content that personally identifies you or any third party. You hereby represent and warrant that your User Content does not violate our Acceptable Use Policy (defined in Section 3.3). You may not represent or imply to others that your User Content is in any way provided, sponsored or endorsed by Ruffo. Because you alone are responsible for your User Content, you may expose yourself to liability if, for example, your User Content violates the Acceptable Use Policy. Ruffo is not obligated to backup any User Content, and your User Content may be deleted at any time without prior notice. The removal, deletion, blocking or rectification of your User Content shall not entitle you to any claims for compensation, damages or reimbursement. You are solely responsible for creating and maintaining your own backup copies of your User Content if you desire. Except as expressly described in Terms, no ownership rights in the User Content are transferred to Ruffo (or any Third Party) by these terms.
3.2 License. You hereby grant (and you represent and warrant that you have the right to grant) to Ruffo an irrevocable, nonexclusive, royalty-free and fully paid, worldwide license to reproduce, distribute, publicly display and perform, prepare derivative works of, incorporate into other works, and otherwise use and exploit your User Content, and to grant sublicenses of the foregoing rights, solely for the purposes of including your User Content in the Application. You hereby irrevocably waive (and agree to cause to be waived) any claims and assertions of moral rights or attribution with respect to your User Content.
3.3 Acceptable Use Policy. The following terms constitute our “Acceptable Use Policy”:
(a) You agree not to use the Application to collect, upload, transmit, display, or distribute any User Content (i) that violates any third-party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right; (ii) that is unlawful, harassing, abusive, tortious, threatening, harmful, invasive of another’s privacy, vulgar, defamatory, false, intentionally misleading, trade libelous, pornographic, obscene, patently offensive, promotes racism, bigotry, hatred, or physical harm of any kind against any group or individual or is otherwise objectionable; (iii) that is harmful to minors in any way; (iv) that disrupts, interrupts, harms or otherwise violates the integrity of the Application or another user’s experience or devices or (v) that is in violation of any law, regulation, or obligations or restrictions imposed by any third party.
(b) In addition, you agree not to: (i) upload, transmit, or distribute to or through the Application any computer viruses, worms, or any software intended to damage or alter a computer system or data; (ii) send through the Application unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of duplicative or unsolicited messages, whether commercial or otherwise; (iii) use the Application to harvest, collect, gather or assemble information or data regarding other users, including e-mail addresses, without their consent; (iv) interfere with, disrupt, or create an undue burden on servers or networks connected to the Application, or violate the regulations, policies or procedures of such networks; (v) attempt to gain unauthorized access to the Application (or to other computer systems or networks connected to or used together with the Application), whether through password mining or any other means; (vi) harass or interfere with any other user’s use and enjoyment of the Application; (vi) use software or automated agents or scripts to produce multiple accounts on the Application, or to generate automated searches, requests, or queries to (or to strip, scrape, or mine data from) the Application (provided, however, that we conditionally grant to the operators of public search engines revocable permission to use spiders to copy materials from the Application for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials, subject to the parameters set forth in our robots.txt file), (vii) conceal your identity or steal someone else’s identity on the Application, or pretend to be or represent a third party, (viii) manipulate identifiers to disguise or otherwise conceal the origin of your messages or content posted on the Application; (ix) probe, scan or test the vulnerability of the Application, including the Services or any network connected to the Application or breach the security or authentication measures on the Application, including the Services or any network connected to the Application or (x) instigate other users to complete a transaction started on this Application outside of this Application in order to save any applicable service fees.
(c) In addition, you agree not to: (i) register or use the Application to promote, sell or advertise products or services of any kind or in any way or (ii) indicate or try to imply in any manner, that you stand in a qualified relationship with this Application or that his Application has endorsed you, your products or services, or any third party’s products and services for any purpose.
3.4 Enforcement. We reserve the right (but have no obligation) to review any User Content, and to investigate and/or take appropriate action against you in our sole discretion if you violate the Acceptable Use Policy or any other provision of these Terms or otherwise create liability for us or any other person. Such action may include removing or modifying your User Content, terminating your Account in accordance with Section 9.2, and/or reporting you to law enforcement authorities.
3.5 Feedback. If you provide Ruffo with any feedback or suggestions regarding the Application (“Feedback”), you hereby assign to Ruffo all rights in such Feedback and agree that Ruffo shall have the right to use and fully exploit such Feedback and related information in any manner it deems appropriate. Ruffo will treat any Feedback you provide to Ruffo as non-confidential and non-proprietary. You agree that you will not submit to Ruffo any information or ideas that you consider to be confidential or proprietary.
You agree to indemnify and hold Ruffo and its officers, directors, shareholders, predecessors, successors-in-interest, licensors, employees, agents, suppliers subsidiaries and affiliates (collectively, the “Ruffo Parties”) harmless, including costs and attorneys’ fees, from any actual or threatened claim or demand made by any third party due to or arising out of (a) your use of the Application and the Services, (b) your violation of these Terms, (c) your violation of any third party rights, including but not limited to any right of privacy or intellectual property rights, (d) your violation of applicable laws or regulations, (d) your User Content or (e) your gross negligence or willful misconduct. Ruffo reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims. You agree not to settle any matter without the prior written consent of Ruffo. Company will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it.
You hereby release and forever discharge the Ruffo Parties from, and hereby waive and relinquish, each and every past, present and future dispute, claim, controversy, demand, right, obligation, liability, action and cause of action of every kind and nature (including personal injuries, death, and property damage), that has arisen or arises directly or indirectly out of, or that relates directly or indirectly to, the Application and/or the Services (including any interactions with, or act or omission of, other Application users or any Third-Party Links & Ads, as defined below).
IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 1542 IN CONNECTION WITH THE FOREGOING, WHICH STATES: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM OR HER MUST HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR.”
6.1 Third-Party Links & Ads. The Application may contain links to third-party websites and services, and/or display advertisements for third parties (collectively, “Third-Party Links & Ads”). Such Third-Party Links & Ads are not under the control of Ruffo, and Ruffo is not responsible for any Third-Party Links & Ads. Ruffo provides access to these Third-Party Links & Ads only as a convenience to you, and does not review, approve, monitor, endorse, warrant, or make any representations with respect to Third-Party Links & Ads. You use all Third-Party Links & Ads at your own risk and should apply a suitable level of caution and discretion in doing so. When you click on any of the Third-Party Links & Ads, the applicable third party’s terms and policies apply, including the third party’s privacy and data gathering practices. You should make whatever investigation you feel necessary or appropriate before proceeding with any transaction in connection with such Third-Party Links & Ads. Our inclusion of a Third-Party Link & Ad does not imply any endorsement of the services or the website, its contents, or its sponsoring organization. When you view a Third-Party Link & Ad, you agree that we are not responsible for the accuracy or content of the information provided by such Third-Party Link & Ad, nor is Ruffo liable for any direct or indirect technical or system issues arising out of your access to or use of third-party technologies or programs available through that website.
6.2. Third-Party Services/Third-Party Content. Ruffo and third parties (sometimes referred to as “Third Parties”) may make available integrations between the Application and third-party products or services, including plugins and related services (“Third-Party Services” and/or “Third-Party Content”) that you may elect to use. Any use by you of such Third-Party Services and/or Third-Party Content is solely between you and the applicable Third-Party Service provider or Third-Party Content provider. Because the Third-Party Services and/or Third-Party Content rely on the Third-Party Service and/or Third-Party Content provider’s continued operation, Ruffo does not warrant or provide support for Third-Party Services or Third-Party Content. Ruffo is not responsible for any violations of applicable law by Third-Party Service providers or Third-Party Content providers, or for any liability arising from your use of Third-Party Services or Third-Party Content. Ruffo does not guarantee the continued availability of any Third-Party Services or Third-Party Content (or any integration with Third-Party Services or Third-Party Content related Service features), and if such Third-Party Services or Third-Party Content or related features are discontinued, you will not be entitled to any refund, credit, or other compensation. Depending on your location, certain Third-Party Services or Third-Party Content may not be available to you.
7.1 User Content. You represent and warrant that: (1) you are the creator and owner of any User Content you provide or otherwise have sufficient rights and authority to grant the rights granted to Ruffo in these Terms (including without limitation and by way of example, wireless numbers and other contact information); (2) Ruffo’s use of your User Content in accordance with these Terms will not infringe, violate, or misappropriate any third-party right, including any intellectual property right, proprietary right, or privacy right; (3) your User Content does not contain any viruses, adware, spyware, worms, or other harmful or malicious code; and (4) unless you have received prior written authorization, your User Content does not contain any confidential information of any third party.
THE APPLICATION IS PROVIDED ON AN “AS-IS” AND “AS AVAILABLE” BASIS, AND THE RUFFO PARTIES EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ALL WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT. USE OF THE APPLICATION AND SERVICES IS AT YOUR OWN RISK. THE RUFFO PARITES MAKE NO WARRANTY THAT THE APPLICATION WILL MEET YOUR REQUIREMENTS, WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS, OR WILL BE ACCURATE, RELIABLE, FREE OF VIRUSES OR OTHER HARMFUL CODE, COMPLETE, LEGAL, OR SAFE. ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE APPLICATION IS DOWNLOADED AT YOUR OWN RISK AND YOU SHALL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOR COMPUTER SYSTEN OR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD OR USE OF THE APPLICATION. THE APPLICATION MAY BECOME INACCESIBLE OR IT MAY NOT FUNCTION PROPERTLY WITH YOUR WEB BROWSER, MOBILE DEVICE OR OPERATING SYSTEM. THE RUFFO PARTIES ARE NOT LIABLE FOR ANY PERCEIVED OR ACTUAL DAMAGES ARISING FROM THE CONTENT, OPERATION OR USE OF THE APPLICATION. IF APPLICABLE LAW REQUIRES ANY WARRANTIES WITH RESPECT TO THE APPLICATION, ALL SUCH WARRANTIES ARE LIMITED IN DURATION TO NINETY (90) DAYS FROM THE DATE OF FIRST USE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM OUR APPLICATION, OUR CONTENT, THE COMMUNITY CONTENT, OR OTHERWISE AVAILABLE THROUGH OUR APPLICATION WILL CREATE ANY WARRANTY REGARDING RUFFO OR OUR APPLICATION, INCLUDING ANY OF OUR SERVICES, THAT IS NOT EXPRESSLY STATED IN THESE TERMS. YOU USE OUR APPLICATION, INCLUDING OUR SERVICES, AT YOUR OWN DISCRETION AND RISK. YOU ASSUME ALL RISK FOR ANY DAMAGE THAT MAY RESULT FROM YOUR USE OF OR ACCESS TO OUR APPLICATION, YOUR DEALINGS WITH ANY OTHER PERSON ON OUR APPLICATION OR THIRD PARTY. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING ANY COMPUTER SYSTEM OR MOBILE DEVICE USED IN CONNECTION WITH OUR SERVICES), OR THE LOSS OF DATA THAT MAY RESULT FROM THE USE OF OUR APPLICATION, INCLUDING ANY OF OUR SERVICES, OR THE USE OF ANY OF OUR CONTENT.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
RUFFO EXPRESSLY DISCLAIMS ANY LIABILITY FOR ANY ERRORS OR OMISSIONS IN OUR APPLICATION, INCLUDING OUR SERVICES, OR THE CONTENT, INCLUDING THE INACCURACY OR INCOMPLETENESS OF ANY SUCH FINANCIAL INFORMATION RECEIVED FROM THIRD PARTIES. NOTWITHSTANDING THE FOREGOING, NOTHING IN THIS SECTION SHALL AFFECT WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION OR RESTRICTION UNDER APPLICABLE LAW.
7.3 Notice of Limitation of Services Provided and Disclosure from Nonlawyers.We are not a law firm and we do not provide you with any legal advice, legal representation, or advocacy of any kind. There is no attorney-client relationship created or inferred. The Application, including our Services, is not a substitute for the services of an attorney. Use of the Application and Services is at your own risk. The Ruffo Parties are not responsible for any loss, claim, liability, injury or damage related to your use of the Application, any other website linked to the Site, or the Services. Ruffo and/or the Application does not offer any guarantees or warranties other than delivery of documents or forms selected by you. Legal matters and/or the preparation of forms and documents often require the services of an attorney, not a document preparation service. By using the Application and/or the Services, you are representing yourself, as a Pro Se litigant, in any legal matter that you are pursuing. If you need legal advice for that, or any other matter, including the selection and/or preparation of ANY forms or documents, you should consult with a licensed attorney. Continued use of the Application means you are not seeking or expecting legal advice from Ruffo. Legal advice will never be provided by anyone on our staff. If you are seeking legal advice or legal representation, leave the Application immediately and contact a licensed attorney. If you need the assistance of a lawyer, please contact your local State Bar Association. ABA State Bar Directory.
8.1 Exclusion of Damages. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE RUFFO PARTIES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOST PROFITS, LOST DATA, COSTS OF PROCUREMENT OF SUBSTITUTE PRODUCTS, OR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF, OR INABILITY TO USE, THE APPLICATION, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; ANY DAMAGE, LOSS OR INJURY RESULTING FROM HACKING, TAMPERING OR OTHER UNAUTHORIZED ACCESS OR USE OF THE APPLICATION OR USER ACCOUNT OR INFORMATION CONTAINED THEREIN; ANY ERROR, MISTAKES OR INACCURACIES OF CONTENT; ANY UNAUTHORIZED ACCESS TO OUR USE OF THE COMPANY’S SECURE SERVERS AND/OR ANY AND ALL PERSONAL INFORMATION STORED THEREIN; ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE APPLICATION; ANY BUGS, VIRUSES, TROJAN HORSES OR THE LIKE THAT MAY BE TRANSMITTED TO OR THROUGH THE APPLICATION; ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED, TRANSMITTED OR OTHERWISE MADE AVAILABLE THROUGH THE APPLICATION; AND/OR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER OR THIRD PARTY. ACCESS TO, AND USE OF, THE APPLICATION IS AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE OR COMPUTER SYSTEM, OR LOSS OF DATA RESULTING THEREFROM.
8.2 Damage Cap. TO THE MAXIMUM EXTENT PERMITTED BY LAW, NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, THE LIABILITY OF THE RUFFO PARTIES TO YOU FOR ANY DAMAGES ARISING FROM OR RELATED TO THIS AGREEMENT (FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION), WILL NOT EXCEED THE GREATER OF: (1) THE AMOUNT OF FEES PAID BY YOU TO RUFFO DURING THE SIX MONTHS IMMEDIATELY PRECEDING THE CLAIM; OR (2) $100.THE EXISTENCE OF MORE THAN ONE CLAIM WILL NOT ENLARGE THIS LIMIT. YOU AGREE THAT OUR SUPPLIERS WILL HAVE NO LIABILITY OF ANY KIND ARISING FROM OR RELATING TO THIS AGREEMENT.
SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
9.1 Term. The term of these Terms will commence on the date on which you first access or use the Application and will continue until terminated.
9.2 Termination. Subject to this Section, these Terms will remain in full force and effect while you use the Application. We may suspend or terminate your rights to use the Application (including your Account) at any time for any reason at our sole discretion, including for any use of the Application in violation of these Terms with or without notice. Upon termination of your rights under these Terms, your Account and right to access and use the Application will terminate immediately. You understand that any termination of your Account may involve deletion of your User Content associated with your Account from our live databases. Ruffo will not have any liability whatsoever to you for any termination of your rights under these Terms, including for termination of your Account or deletion of your User Content. Even after your rights under these Terms are terminated, the following provisions of these Terms will remain in effect: Sections 2.2 through 2.5 and Sections 3 through 27. The suspension or termination of your account does not exempt you from paying any applicable fees or prices.
9.3 Deactivation. Ruffo may, without notice to you: (1) restrict, deactivate, or terminate your access to the Application (or any portion); or (2) terminate or modify the Application (or any portion). Ruffo will not be liable to you or any third party for any termination of or modification to the Application regardless of the reason for such termination or modification. If you are dissatisfied with any termination or modification of the Application, your only remedy is to stop using the Application.
Company respects the intellectual property of others and asks that users of our Application do the same. In connection with our Application, we have adopted and implemented a policy respecting copyright law that provides for the removal of any infringing materials and for the termination, in appropriate circumstances, of users of our online Application who are repeat infringers of intellectual property rights, including copyrights. If you believe that one of our users is, through the use of our Application, unlawfully infringing the copyright(s) in a work, and wish to have the allegedly infringing material removed, the following information in the form of a written notification (pursuant to 17 U.S.C. § 512(c)) must be provided to our designated Copyright Agent:
1. your physical or electronic signature;
2. identification of the copyrighted work(s) that you claim to have been infringed;
3. identification of the material on our services that you claim is infringing and that you request us to remove;
4. sufficient information to permit us to locate such material;
5. your address, telephone number, and e-mail address;
6. a statement that you have a good faith belief that use of the objectionable material is not authorized by the copyright owner, its agent, or under the law; and
7. a statement that the information in the notification is accurate, and under penalty of perjury, that you are either the owner of the copyright that has allegedly been infringed or that you are authorized to act on behalf of the copyright owner.
Please note that, pursuant to 17 U.S.C. § 512(f), any misrepresentation of material fact (falsities) in a written notification automatically subjects the complaining party to liability for any damages, costs and attorney’s fees incurred by us in connection with the written notification and allegation of copyright infringement.
The designated Copyright Agent for Company is: Copyright Compliance Department
Designated Agent: Copyright Compliance Department
Address of Agent: 2261 Market Street Unit 4498
Telephone: (415) 325-5046
11.1 Remote Signature Services. Ruffo is paid a service fee by the User contracting the remote signature services for the goods, facilities and services provided. Your use of the Application or the Services constitutes your agreement with this compensation arrangement.
11.2 Mortgage Marketplace. Ruffo is paid a marketing lead generation fee by Providers for the goods, facilities and services provided. Your use of the Application or the Services constitutes your agreement with this compensation arrangement.
12.1 We provide educational content and operate online marketplaces that enable consumers to comparison shop on our Application for financial products and services offered by our network of Providers. By submitting any Qualification Form or Loan Application Form through our Application, and separately for each such request you submit, you are indicating that you desire to be contacted by Providers, and you are providing express written consent that we, a third party on our behalf, and our network of Providers, may deliver calls or text messages to you, including for marketing purposes, using an automatic telephone dialing system or an artificial or prerecorded voice to the phone number you have provided. You understand that you are providing this consent to receive such telephone calls even if your telephone number is currently listed on any federal, state, local, internal, or corporate Do-Not-Call Lists. You understand that you are not required to consent to receive these communications as a condition of using the Application and Services. You consent to receive email from Ruffo, its affiliates, and its Providers at the email address you provided or at other addresses that may be associated with you that we receive from Providers or other parties. You hereby consent to any such email, so it will not be considered spam or unauthorized by any local, state or federal law or regulation. You agree that the consents described herein shall remain valid and in effect until you revoke them by opting out as described below.
12.2 Ruffo DOES NOT originate Loans or make credit decisions in connection with Loans, nor does Ruffo issue commitments or lock-in agreements. Ruffo’s services are only administrative. Any Qualification Form you submit is NOT an application for credit. Rather, it is an inquiry to be matched with Providers that may be able to present conditional offers. You will have to complete a formal Loan Application Form with the Provider you choose before the Provider will extend an unconditional offer.
12.3 Ruffo is not an agent of either you or any Provider. You agree you will rely on your own judgment and research independent of any communications or information you receive from Ruffo in deciding which available product, terms and Provider best suits your needs and financial situation. The Provider is solely responsible for its services to you, and you agree that Ruffo shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services or your interactions with any Provider. You understand that Providers may keep your Qualification Form information, Loan Application Form information and any other information provided by Ruffo or received by them in the processing of your Qualification Form and/or Loan Application, whether you are qualified for a product with them or complete a formal application for services with them.
12.4 For any Service, by saving your information with Ruffo or submitting a Qualification Form and/or Loan Application Form, you represent that all the information you have provided is true, accurate, current and complete.
12.5 By submitting a Qualification Form or Loan Application Form, you are providing express written instructions under (i) the Fair Credit Reporting Act, (ii) Dominican Law No. 172-13 regarding the protection of users’ personal data located in public registries, files or data storage facilities and (iii) any other applicable statute or regulation for Ruffo and Provider partners a permissible purpose to obtain your consumer credit report from your credit profile or other information from contracted credit bureau(s) in the United States, Dominican Republic and/or other jurisdictions for the purpose of matching you to a Provider, product, or service through the Company network. This information could include, but might not be limited to, your credit report, credit score, and other credit information. You authorize Ruffo to obtain a limited credit report (“soft pull”) regardless of whether you provide your Social Security Number. To help governments fight identity theft, the funding of terrorism and money laundering activities, and to help attempt to verify your identity, Ruffo and its Providers may obtain, verify and record information that identifies each person who opens an account with us and Providers. Ruffo and its Providers may ask for your name, Social Security Number, passport number, cedula number, address, telephone number, date of birth and other important information including, but not limited to, information received from your credit file, that may allow us and Providers to properly identify you. It is possible that a Provider may perform a soft inquiry on your credit at the same time for the same or similar purposes, but the soft inquiry into your credit does not impact your credit score.
12.6 Services offered by Providers may only be made to residents of countries and states where Providers are authorized to make such Loans. A Provider’s participation in and offering of its products on the Application does not constitute an offer by any Provider or by Ruffo to provide services outside of their authorized jurisdictions, and to the extent you seek or receive information from a Provider regarding any prospective service which would be outside of the Providers’ authorized jurisdiction, that information is for informational purposes only. Providers shall have the right to discontinue, suspend or terminate the offering of any Loan product in any specific country or State through the Sites at any time, without prior notice.
12.7 We do not guarantee acceptance into any particular program or specific terms or conditions with any Provider; approval standards are established and maintained solely by individual Providers. Likewise, we do not guarantee that the rates offered by Providers include the lowest rates available in the market or the rate that the Providers will ultimately charge. A Provider’s conditional Loan offer may be subject to market conditions, approval and qualification. The rates and fees actually provided by Providers may be higher or lower depending on your complete credit profile, collateral/property considerations (if applicable) including but not limited to location, equity and value and income/asset consideration including but not limited to Loan to value and debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a Loan commitment or interest rate lock-in agreement. Providers may not offer all products as well as not offer products in all countries and states. If you agree to terms with any Provider with whom you are matched on our Application, you will be responsible for paying for any closing costs associated with your Loan (such as Loan processing, underwriting, funding fees, appraisals, title insurance premiums, attorney and notary fees, etc). The Provider, not the Company, and the settlement service providers you select will determine the amount of any such fees.
12.8 By clicking on any button indicating (1) an acceptance or agreement to terms relating to the Loan or (2) a continuance of processing or submission of the Loan Request, Qualification Form or Loan Application Form (collectively, a “submission”) you understand that you are consenting, acknowledging and agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry for a Service through Ruffo to each of the Providers to whom your Loan request, Qualification Form or Loan Application Form is transmitted. You are also indicating that you are consenting, acknowledging and agreeing to receive notices, disclosures and other communications (“Disclosures and Communications”) in electronic form (either by email or via the Internet) as provided for in the Consent for Electronic Disclosures and Communications from the Company and its Providers.
12.9 The Services provided by the Company are available in connection with Loans made on real property located in the Dominican Republic.
By clicking on any button indicating a submission on which you indicate your desire to be connected with a real estate company, you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry to Ruffo and its network of U.S. and non-U.S. based real estate companies, brokers, and agents, (“Real Estate Companies”). You authorize the Company to forward your information to the Real Estate Companies. You further understand and agree that by selecting a Real Estate Company or other provider, you are providing express written consent for them to contact you by telephone at the numbers (whether landline or cellular) you have provided, including for marketing purposes, and you hereby consent to any such calls even if your phone number is on the Do Not Call list.
14.1 Changes. These Terms are subject to occasional revision, and if we make any substantial changes, we may notify you by sending you an e-mail to the last e-mail address you provided to us (if any), and/or by prominently posting notice of the changes on our Application. You are responsible for providing us with your most current e-mail address. In the event that the last e-mail address that you have provided us is not valid, or for any reason is not capable of delivering to you the notice described above, our dispatch of the e-mail containing such notice will nonetheless constitute effective notice of the changes described in the notice. Any changes to these Terms will be effective upon the earlier of thirty (30) calendar days following our dispatch of an e-mail notice to you (if applicable) or thirty (30) calendar days following our posting of notice of the changes on our Application. These changes will be effective immediately for new users of our Application. Continued use of our Application following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes. If you do not wish to be bound by the changes, you must stop using the Application and the Services. Failure to accept the revised Terms may entitle the Company to terminate your Account.
14.2 Governing Law. These Terms are governed by the law of the State of Delaware, without regard to conflict of laws principles.
Please read this Arbitration Agreement carefully. It is part of your contract with Company and affects your rights. It contains procedures for MANDATORY BINDING ARBITRATION AND A CLASS ACTION WAIVER.
15.1 Generally. If you are not a resident of the United States or you are currently on active duty status outside the United States, this Section 15 (Dispute Resolution) will only apply to you to the extent applicable law in your country of residence permits. In the interest of resolving disputes between you and Ruffo in the most expedient and cost-effective manner, you and Ruffo agree that any dispute arising out of or related to these Terms, your use of the Application or a breach thereof will be resolved by binding arbitration. Arbitration uses a neutral arbitrator instead of a judge or jury and can be subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. This agreement to arbitrate disputes includes all claims arising out of or in any way related to these Terms or your use of the Application, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether a claim arises during or after the expiration or termination of these Terms. Further, you agree to bring any claims regarding Ruffo in your individual basis. YOU UNDERSTAND AND AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND RUFFO ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS OR COLLECTIVE ACTION. YOU FURTHER UNDERSTAND THAT THIS SECTION 15 WILL APPLY TO YOU AND RUFFO UNLESS YOU CHOOSE TO OPT OUT PURSUANT TO THIS SECTION 15.1. YOU CAN OPT OUT OF THE ARBITRATION AGREEMENT SET FORTH IN THIS SECTION 15 BY EMAILING SUPPORT@RUFFO.COM NO LATER THAN THREE (3) DAYS FROM THE DATE YOU AGREE TO THESE TERMS AND EXPRESSLY STATING IN SUCH EMAIL YOUR ELECTION TO OPT OUT OF THE ARBITRATION AGREEMENT.
15.2 Exceptions. Despite the provisions of Section 15.1 (Generally), nothing in these Terms will be deemed to waive, preclude, or otherwise limit the right of either party to: (1) bring an individual action in small claims court; (2) bring an action in a court pursuant to the California Private Attorneys General Act of 2004, California Labor Code § 2698 et seq.; (3) seek injunctive relief in a court of law; or (4) file suit in a court of law to address an intellectual property infringement claim.
15.3 Notice Requirement and Informal Dispute Resolution. Before a party may seek arbitration, the party must first send to the other party a written Notice of Dispute (“Notice”) to the other party, on an individual basis, within the applicable statute of limitations period describing the (1) nature and basis of the claim or dispute, (2) set forth the specific relief sought and (3) if you are sending the Notice to Ruffo, include your name and address (“Demand”). A Notice to the Company should be sent to: 2261 Market Street #4498, San Francisco, California 94114 or by email to email@example.com. After the Notice is received, the parties will make good faith efforts to resolve the claim directly, but if the parties do not reach an agreement to do so within thirty (30) days after the Notice is received, you or Ruffo may commence an arbitration proceeding.
15.4 Arbitration Rules. Arbitration shall be initiated through the American Arbitration Association (“AAA”), an established alternative dispute resolution provider (“ADR Provider”) that offers arbitration as set forth in this section. If AAA is not available to arbitrate, the parties shall agree to select an alternative ADR Provider. The rules of the ADR Provider shall govern all aspects of the arbitration, including but not limited to the method of initiating and/or demanding arbitration, except to the extent such rules are in conflict with the Terms. The AAA Consumer Arbitration Rules (“Arbitration Rules”) governing the arbitration are available online at www.adr.org or by calling the AAA at 1-800-778-7879. The arbitration shall be conducted by a single, neutral arbitrator. Any claims or disputes where the total amount of the award sought is less than Ten Thousand U.S. Dollars (US $10,000.00) may be resolved through binding non-appearance-based arbitration, at the option of the party seeking relief. For claims or disputes where the total amount of the award sought is Ten Thousand U.S. Dollars (US $10,000.00) or more, the right to a hearing will be determined by the Arbitration Rules. Any hearing will be held in Wilmington, Delaware unless the parties agree otherwise. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction. Each party shall bear its own costs (including attorney’s fees) and disbursements arising out of the arbitration and shall pay an equal share of the fees and costs of the ADR Provider.
15.5 Additional Rules for Non-Appearance Based Arbitration. If non-appearance based arbitration is elected, the arbitration shall be conducted by telephone, online and/or based solely on written submissions; the specific manner shall be chosen by the party initiating the arbitration. The arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise agreed by the parties.
15.6 Time Limits. If you or the Company pursue arbitration, the arbitration action must be initiated and/or demanded within the statute of limitations (i.e., the legal deadline for filing a claim) and within any deadline imposed under the AAA Rules for the pertinent claim.
15.7 Authority of Arbitrator. If arbitration is initiated, the arbitrator will decide the rights and liabilities, if any, of you and the Company, and the dispute will not be consolidated with any other matters or joined with any other cases or parties. The arbitrator shall have the authority to grant motions dispositive of all or part of any claim. The arbitrator shall have the authority to award monetary damages, and to grant any non-monetary remedy or relief available to an individual under applicable law, the AAA Rules, and the Terms. The arbitrator shall issue a written award and statement of decision describing the essential findings and conclusions on which the award is based, including the calculation of any damages awarded. The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have. The award of the arbitrator is final and binding upon you and the Company.
15.8 Waiver of Jury Trial. THE PARTIES HEREBY WAIVE THEIR CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY, instead electing that all claims and disputes shall be resolved by arbitration under this Arbitration Agreement. Arbitration procedures are typically more limited, more efficient and less costly than rules applicable in a court and are subject to very limited review by a court. In the event any litigation should arise between you and the Company in any state or federal court in a suit to vacate or enforce an arbitration award or otherwise, YOU AND THE COMPANY WAIVE ALL RIGHTS TO A JURY TRIAL, instead electing that the dispute be resolved by a judge.
15.9 No Class Actions. YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING (OTHER THAN ACTIONS UNDER THE CALIFORNIA PRIVATE ATTORNEYS GENERAL ACT OF 2004, CALIFORNIA LABOR CODE § 2698 ET SEQ., WHICH ARE NOT COVERED BY THIS SECTION 15 (DISPUTE RESOLUTION)). Unless both you and the Company agree otherwise, the arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative or class proceeding.
15.10 Confidentiality. All aspects of the arbitration proceeding, including but not limited to the award of the arbitrator and compliance therewith, shall be strictly confidential. The parties agree to maintain confidentiality unless otherwise required by law. This paragraph shall not prevent a party from submitting to a court of law any information necessary to enforce this Agreement, to enforce an arbitration award, or to seek injunctive or equitable relief.
15.11 Severability. If any part or parts of this Arbitration Agreement are found under the law to be invalid or unenforceable by a court of competent jurisdiction, then such specific part or parts shall be of no force and effect and shall be severed and the remainder of the Arbitration Agreement shall continue in full force and effect.
15.12 Right to Waive. Any or all of the rights and limitations set forth in this Arbitration Agreement may be waived by the party against whom the claim is asserted. Such waiver shall not waive or affect any other portion of this Arbitration Agreement.
15.13 Survival of Agreement. This Arbitration Agreement will survive the termination of your relationship with Company.
15.14 Small Claims Court. Notwithstanding the foregoing, either you or the Company may bring an individual action in small claims court.
15.15 Emergency Equitable Relief. Notwithstanding the foregoing, either party may seek emergency equitable relief before a state or federal court in order to maintain the status quo pending arbitration. A request for interim measures shall not be deemed a waiver of any other rights or obligations under this Arbitration Agreement.
15.16 Courts. In any circumstances where the foregoing Arbitration Agreement permits the parties to litigate in court, the parties hereby agree to submit to the personal jurisdiction of the courts located within Wilmington, Delaware, for such purpose.
The Application may be subject to U.S. export control laws and may be subject to export or import regulations in other countries. You agree not to export, reexport, or transfer, directly or indirectly, any U.S. technical data acquired from Company, or any products utilizing such data, in violation of the United States export laws or regulations.
Company is located at the address in Section 27. If you are a California resident, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Product of the California Department of Consumer Affairs by contacting them in writing at 400 R Street, Sacramento, CA 95814, or by telephone at (800) 952-5210.
The communications between you and Company use electronic means, whether you use the Application or send us emails, or whether Company posts notices on the Application or communicates with you via email. For contractual purposes, you (a) consent to receive communications from Company in an electronic form; and (b) agree that all terms and conditions, agreements, notices, disclosures, and other communications that Company provides to you electronically satisfy any legal requirement that such communications would satisfy if it were be in a hardcopy writing. The foregoing does not affect your non-waivable rights.
These Terms (including any additional terms incorporated by reference herein and the Service Terms related to the Remote Signature Services, to the extent applicable to you) constitute the entire agreement between you and us regarding the use of the Application. Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. The section titles in these Terms are for convenience only and have no legal or contractual effect. The word “including” means “including without limitation”. If any provision of these Terms is, for any reason, held to be invalid or unenforceable, the other provisions of these Terms will be unimpaired and the invalid or unenforceable provision will be deemed modified so that it is valid and enforceable to the maximum extent permitted by law. Your relationship to Company is that of an independent contractor, and neither party is an agent or partner of the other. These Terms, and your rights and obligations herein, may not be assigned, subcontracted, delegated, or otherwise transferred by you without Company’s prior written consent, and any attempted assignment, subcontract, delegation, or transfer in violation of the foregoing will be null and void. Company may freely assign these Terms. The terms and conditions set forth in these Terms shall be binding upon assignees.
Copyright © 2022 Ruffo. All rights reserved. All trademarks, logos and service marks (“Marks”) displayed on the Application are our property or the property of other third parties. You are not permitted to use these Marks without our prior written consent or the consent of such third party which may own the Marks.
To ensure the best possible service level, we reserve the right to interrupt the Application and/or Services for maintenance, system updates or any other changes, informing the users appropriately. Within the limits of law, we may also decide to suspend or terminate the Services altogether. If the Services are terminated, we will cooperate with users to enable them to withdraw personal data or information in accordance with applicable law. In addition, the Services might not be available due to reasons outside the Owner’s reasonable control, such as “force majeure” (eg. epidemics, pandemics, labor actions, infrastructural breakdowns or blackouts etc).
You may not reproduce, duplicate, copy, sell, resell or exploit any portion of this Application and of its Services without our express prior written permission, granted either directly or through a legitimate reselling program.
Our Consent Agreement for Electronic Disclosures and Communications, hereby incorporated by reference into these Terms, explains your agreement to receive all current and future notices, disclosures, communications and information, and to do business electronically with us and our Providers. Your continued use of the Application is evidence of your acceptance and agreement to be bound by the Terms.
These Terms are drawn up and revised in English. Other language versions of these Terms are provided for information purposes only. In the event of any inconsistency between different linguistic versions, the original version shall always prevail.
(a) “Application” means (i) www.ruffo.com, including its subdomains and any other website through which the Company makes its Service available, (ii) applications for mobile, tables and other smart device systems, (iii) the Application Program Interfaces (API) and (iv) the Services.
(b) “Loan” means any of the credit and related products and services which you inquire about or apply for by using the Application.
(c) “Loan Application Form” means your application for a Loan from a Provider, including any forms with you personal and financial information and supporting documents.
(d) “Provider” means the banks, lenders, financial institutions, insurers, service providers, real estate companies, dealers, agents, brokers and other entities offering products and services through our Application.
(e) “Qualification Form” means your request to be matched with providers of any of the products and services that you may be connected to through the Application.
All communications related to the use of the Application must be sent to the contact below:
Data Compliance Officer
Address: 2261 Market Street #4498
San Francisco, California 94114
Telephone: (877) 468-5261