Republic Financial Services LLC

Privacy Policy and Terms & Conditions

Privacy Policy:

Last Updated: January 25th, 2024

Welcome, and thank you for your interest in Republic Financial Services LLC (“Site”). The Site is the property of Republic Financial Services LLC (“Republic Financial,” “we,” “us,” or “our”).

This Privacy Policy applies to this Site and any other site and mobile apps owned and operated by Republic Financial Services LLC and its wholly owned affiliates (collectively “Republic Financial,” “we,” “our,” or “us”).

This Policy is provided to communicate how we and our affiliates collect, protect, use, share, and retain your personal information when visiting our Site.

Please read this Policy before using our Site, as continued navigation constitutes your agreement to the terms of this policy.

Changes to this Privacy Policy

Republic Financial reserves the right to update this privacy policy at any time. When we make changes, we will revise the date at the top of this page. Changes will be effective when posted unless otherwise indicated. We encourage you to check this page periodically to stay informed about how we help provide the information we collect.

Personal Information We Collect

For the purposes of this Privacy Policy, “personal information” shall mean individually identifiable information from or about an individual.

We collect personal information from you when you visit, interact, or register on our website and apps, respond to an advertisement on third-party websites, or call us. We may collect the following information:

• Information you provide: email address, full name, telephone number, date of birth, address, employment, salary, etc.
• Information from third parties: credit reporting data (accounts, pay history, balances), lead generation data.
• Participation in contests or surveys: we collect personal information such as name, address, email address, and phone number when you participate in contests or fill out surveys sponsored by us or our affiliates.

• Information from cookies or other tracking technologies:

Cookies are small pieces of data created by a web server while a user is browsing a website. This data is stored on your hard drive containing non-personally identifiable information about you. This data functions as your computer’s identification and enables us to improve your experience by maintaining your authenticated session and preferences. We and our third-party vendors use “cookies” and similar tools to track your use of the Website when you use our services. Our systems automatically log information about your computer, tablet or phone.

You may choose to set your web browser to notify you when you receive a cookie or refuse cookies altogether. If you do so, some parts of the Site may not function as intended.

We reserve the right to transfer and/or sell aggregate or group data about Users of the Site Offerings for lawful purposes. Aggregate or group data is data that describes the demographics, usage and other characteristics of Site Offerings Users as a group, without disclosing personally identifiable information.

• Internet, device or other activity

We may collect certain non-personally identifiable information about you and your desktop computer, tablet or mobile device when you visit the Site. This non- personally identifiable information includes, without limitation, the type of browser that you use, your IP address, the type of operating system that you use and the domain name of your Internet service provider. We use the non-personally identifiable information that we collect to improve the design and content of the Site and to enable us to personalize your experience. We also may use this information in the aggregate to analyze usage of the Site.

• Referring exit pages/Advertising

Republic Financial, as well as third party entities such as Google®, use cookies, pixels and other tracking technology (collectively, “tracking technology”) in connection with the Site for purposes of tracking Users’ activities (such as websites visited, advertisements selected and pages viewed) after they leave the Site.

Republic Financial, and its third-party partners, use this tracking technology to target applicable Users with advertisements featuring products/services we offer, as well as third-party products/services that may be of interest to applicable Users. In addition, Republic Financial uses a third-party service called Hotjar in order to better understand our Users’ needs and to optimize our offerings. Hotjar is a technology service that helps us better understand our Users’ Site-related experience (e.g. how much time they spend on which Site pages, which links they click on, what Users do and do not like, etc.) and this enables us to build and maintain our offerings. Hotjar uses cookies and other technology to collect data on our Users’ behavior and their devices (in particular, the various devices’ IP addresses (captured and stored only in anonymized form), device screen size, device type, browser information, geographic location (country only) and preferred language used to display our website). Hotjar stores this information in a pseudonymized User profile. Neither Hotjar nor Republic Financial will ever use this information to identify individual Users or to match this information with additional data on an individual User.

In general, Users may be able to disable some, or all, of this tracking activity by utilizing the “Do Not Track” setting or similar options within most major Internet browsers.

Users can opt out of certain Google®-related tracking technology, and customize the Google® Display Network ads that they receive, by visiting the My Ad Center at: https://myadcenter.google.com/Google® also recommends installing the Google® Analytics Opt-out Browser Add-on for your web browser, which is available here: https://tools.google.com/dlpage/gaoptout. To the extent permissible under applicable law, we are not responsible for the tracking practices of third-parties in connection with the Site.

Google® is a registered trademark of Google, Inc. (“Google”). Please be advised that Republic Financial is not in any way affiliated with Google, nor are the Site Offerings endorsed, administered or sponsored by Google.

Use of Your Personal Information

Information we gather from you or third parties is used to:

• Inform you about products or services we think you will be interested in
• Facilitate the use of our Site
• Improve our Site, product offerings or services, or the services of our service providers
• Consider you for the products/services we offer
• Verify your eligibility, identity
• Contact you regarding your inquiry, account or employment opportunities
• Process payments on your behalf
• Create and maintain login information for our Site
• Monitor, conduct, improve analytics on our products, services and offerings
• Internal administrative, security, relationship management
• Send push notifications
• Detect and protect against security incidents, malicious, deceptive, fraudulent or illegal activity
• No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Sharing your Personal Information

Republic Financial may share your personal information with its own affiliates and nonaffiliated third parties as provided below. However, SMS opt-in data and consent will not be shared between Republic Financial affiliates nor with any nonaffiliated third parties.

Republic Financial shares your personal information with its own affiliates to consider you, or market to you, their products and services.

Republic Financial may provide your information to nonaffiliated third-party service providers who perform certain functions on our behalf. When we share your information with service providers, we require the security and confidentiality of your information as well as limiting their use of the information to reasonably carry out their work with us, including to comply with applicable state and federal laws.

Republic Financial may share your personal information with the following nonaffiliated third parties:

• Financial services companies for marketing purposes as permitted by law. As noted above, however, SMS opt-in data and consent will not be shared.
• Auditors, examiners, law enforcement
• Credit reporting agencies

Protecting your Personal Information

Republic Financial takes the privacy and security of our visitors’ and members’ personal information seriously. We maintain industry standard technical and physical safeguards designed to safeguard your information. When you make personal information available to us, we protect it both while transmitting from your browser to our servers and while stored on our systems through encryption standards with advanced TLS (Transport Layer Security). Facilities where our systems are located can only be accessed by authorized individuals.

Please be advised, however, that while we take every reasonable precaution available to protect your data, no storage facility, technology, software, security protocols or data transmission over the internet or wireless networks can be guaranteed to be 100% secure. As such, we cannot warrant that your personal information will be absolutely secure.

You can also take precautions to keep your information safe. Following are some methods that can help:

• Be cautions when using public networks or computers. Make sure to completely log out of accounts and clear caches after use.
• Choose complex passwords

o Don’t use things related to birthday, address, phone or any PIN

• Use different passwords for each website

Third-Party Websites

This Site may contain links to third-party owned and/or operated websites including, without limitation, websites owned and/or operated by Republic Financial’s service providers and/or marketing partners. We are not responsible for the privacy practices or the content of those websites/companies. These third-party websites and entities have separate privacy and data collection practices and Republic Financial has no responsibility or liability relating to them.

Minors

Republic Financial’s site is not directed or intended for individuals under 18 and does not knowingly solicit or collect information from visitors under 18. Visitors under 18 should not provide any personal identifiable information of any kind on our Site. If we learn or are notified that we have collected any information on someone under 18, we will promptly remove the data from our system.

Visiting our Website from Outside the United States

The Site is intended to provide products and services inside the U.S and is governed by the laws of the U.S. If you are visiting the Site from outside the U.S., your communication with us may result in the transfer of your to leave your country. By visiting the Site and/or otherwise communicating electronically with us, you consent to such transfers, even if your jurisdiction does not have the same privacy laws as the jurisdiction where our servers are located, we will treat your information as subject to the protections of U.S. Law, this Policy and our Consumer Privacy Notice.

Changing or Updating your Information

Republic Financial relies on you to update and correct your personal information. If you find that our information about you is incorrect or incomplete and our Site does not permit you to update or correct certain information, contact us:

Phone: 888-691-9156

Email: [email protected]

Opt Out/Unsubscribe:

You can cancel the SMS service at any time. Simply text “STOP” to the shortcode. Upon sending “STOP”, we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.

If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or reach out directly to [email protected]

Carriers are not liable for delayed or undelivered messages.

As always, message and data rates may apply for messages sent to you from us and to us from you. You will receive up to 3 messages a day. For questions about your text plan or data plan, contact your wireless provider.

For privacy-related inquires, please refer to our privacy policy: Privacy Policy – Republic Financial Services

You may opt out of some promotional or information sharing options the following ways:

Use Case Description:

Introduction: At Republic Financial Services, safeguarding your privacy is our utmost priority. This Privacy Policy outlines in intricate detail how we collect, use, and protect your data.

Data Collection:

Personal Information:

1. • Address: Your residential and mailing addresses are gathered for contact and correspondence.
   • Phone Number: We retain your primary and secondary phone numbers for communication purposes.
   • Email Address: Your email address is essential for sending account-related notifications and updates.
   • Social Security Number (SSN): If required by law, we may collect your SSN for identity verification and tax reporting.
   • Date of Birth: Your date of birth assists us in verifying your identity and ensuring compliance with age-related legal requirements.
   • Financial Account Information: This includes bank account numbers, credit card information, and other financial details needed to facilitate transactions.

   Name: We collect your full name as it appears on official identification documents.

2. Financial Transactions:

   • We collect and store records of all financial transactions conducted through our services, including:
     • Deposits
     • Withdrawals
     • Investment and trading activity
     • Loan and credit history

3. Online Activity:

   • To enhance your online experience, we may collect information about your interactions with our website and mobile applications, including:
     • IP addresses
     • Browser type and version
     • Pages visited
     • Cookies and similar tracking technologies

4. Communication Data:

   • Any information you provide during interactions with our customer support, including:
     • Emails
     • Chat transcripts
     • Phone call recordings (when legally permissible)

5. Location Information:

   • If you use location-based services, we may collect your precise geolocation data to provide location-specific offerings and comply with regulatory requirements.

Purpose of Data Collection: We collect and process your personal information for a multitude of purposes:

1. Service Provision: Your data is used to deliver and improve our financial services, enabling you to manage your finances effectively.

2. Compliance: We collect and process your information to meet various legal and regulatory obligations, including anti-money laundering (AML), Know Your Customer (KYC), and tax reporting.

3. Customer Support: To assist you efficiently and effectively with inquiries, requests, and issue resolution, we may analyze your communication history.

4. Marketing: With your consent, we may use your information to keep you informed about our products, promotions, and relevant financial information. You have the option to opt out of marketing communications at any time.

5. Research and Analytics: We utilize data analytics to enhance our services, user experience, and business operations, ensuring we provide you with the best financial solutions.

Data Protection: Safeguarding your data is paramount to us. We employ rigorous security measures to protect your personal information from unauthorized access, disclosure, or alteration. Our security protocols include:

• Secure data encryption in transit and at rest
• Access controls and authentication mechanisms
• Regular security audits and assessments
• Compliance with industry best practices and standards

Your personal information is stored securely, and we continually update and enhance our security practices to meet emerging threats and maintain the confidentiality and integrity of your data.

Data Retention: We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy and to comply with legal and regulatory requirements. Upon reaching the end of the retention period, your data is securely disposed of or anonymized.

Your Rights: You have rights regarding your personal information, including:

• Accessing and obtaining a copy of your data
• Correcting inaccuracies in your data
• Deleting your data under certain circumstances
• Restricting or objecting to the processing of your data
• Data portability
• Lodging complaints with the appropriate regulatory authorities

For more information on how to exercise your rights and how we handle your data, please visit our [Link to Privacy Policy on our website].

Contact Us: If you have any questions, concerns, or requests related to your data privacy, please do not hesitate to contact our Data Protection Officer at [Contact Email Address].

By replying with “AGREE,” you acknowledge receipt and understanding of our detailed Privacy Policy.

Promotional emails:

To opt out of receiving emails from us, you can: a) click on “unsubscribe” in the footer of any email message, or b) email us at: [email protected], or c) call us at 888-691-9156.

Information Sharing:

To opt out of information sharing, you can: a) email us at [email protected] or b) call us at 888-691-9156. We may or may not be able to honor your request if you have an existing relationship with us.

Text message/Push Notifications:

To opt out of text/push notifications, you can reply “STOP” to the notification, or you can call/email us as noted above.

Notice to California Residents

This section applies solely to California residents and supplements, and in no way limits, the Privacy Policy set forth above.

These Provisions are intended to be in compliance with the California Consumer Privacy Act of 2018 (“CCPA”). Any terms defined in the CCPA have the same meaning when used in these Provisions. This notice explains how/what personal information we collect, use and share of the personal information collected and the rights and choices for California Residents with respect to our handling of their personal information.

This notice does not include personal information in relation to:

• Publicly available information from government records.
• De-identified or aggregated User information.
• Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data.
• Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA), the California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

Notice of Collection of Personal Information

The personal information we collect depends on California residents’ interactions with us. Following are the types of interaction and the information we may collect:

Types of interaction:

• Website and Mobile App Use and Registration
• Applying for Products or Services
• Participation in Surveys and Contests
• Communicating with Us

Information we may collect:

Category of Personal Information	Collected	Sold	Disclosed for a Business Purpose
Identifiers: full name, Social Security Number, email address alias, postal address, Internet Protocol address, email address, account name, telephone number, username, password or other similar identifiers, driver’s license, passport or other similar data.**	Yes	No	Service providers, marketing partners, banking partners, government entities, law enforcement, auditors, examiners, lawyers and other parties as required by law
Financial data: bank account, credit or debit card number, transactions.	Yes	No	Service providers, marketing partners, banking partners, government entities, law enforcement, auditors, examiners, lawyers and other parties as required by law
Protected Classification Characteristics under state and federal law: age, race, sec, religion, national origin and marital status.	Yes	No	Service providers, marketing partners, banking partners, government entities, law enforcement, auditors, examiners, lawyers and other parties as required by law
Commercial Information: records of personal property, products or services obtained.	Yes	No	Service providers, marketing partners, banking partners, government entities, law enforcement, auditors, examiners, lawyers and other parties as required by law
Biometric Information: preferences, trends, abilities, predispositions, characteristics, behaviors.**	Yes	No	Service providers, marketing partners, banking partners, government entities, law enforcement, auditors, examiners, lawyers and other parties as required by law
Network activity information: browsing history, search history, interaction with a website, application or advertisement	Yes	No	Service providers, marketing partners, banking partners, government entities, law enforcement, auditors, examiners, lawyers and other parties as required by law
Geolocation data: physical location of device	Yes	No	Service providers, marketing partners, banking partners, government entities, law enforcement, auditors, examiners, lawyers and other parties as required by law
Professional or employment related information: current or past job history.	Yes	No	Service providers, marketing partners, banking partners, government entities, law enforcement, auditors, examiners, lawyers and other parties as required by law

 

Use of Personal Information

Information collected is used to personalize your experience on our Site, improve your experience with our Site, products and services, to advertise to you, recognize you on subsequent visits, verify your identity, evaluate you for certain products/services, build a better member experience, improve member relationship protocols, fulfill contract obligations with you, to respond to inquired from you, testing, research, analysis, product development, respond to law enforcement, court orders or governmental examiners and to train and educate employees for compliance purposes.

We may also supplement the information you provide or that we gather from your interaction with our Site by using third-party sources such as credit bureau information and address/phone information to verify your identity and to protect you against fraud or identity theft.

California Residents Rights and Choices

The CCPA provides California residents with specific rights regarding their personal information. Following are those rights and how to exercise them:

Right to Know Access:

You can request free of charge the following information covering the prior 12- months of your request:

• The categories of personal information we collected about you
• The categories of sources for the personal information we collected about you
• Our business purpose for collecting or selling that personal information
• The categories of third parties with whom we have shared that personal information
• The specific pieces of personal information we collected about you (also called a data portability request)
• The categories of information that we sold in the prior 12 months, and for each category, the categories of third parties to which we sold that particular category of personal information
• The categories of information that we disclosed for a business purpose in the prior 12 months and for each category, the categories of third parties to which we disclosed that particular category of personal information

Right to Opt Out of the Sale of Your Personal Information

The CCPA provides its residents the right to opt out of our sale of your personal information to third parties.

Right to Request Deletion

You have the right to request that we delete your personal information that we collected from you and retained, subject to certain exceptions. Once we receive your request and confirm your identity, we will review your request to delete your personal information from our (their) records, unless a CCPA exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service providers to:

Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our obligations in connection with our contract with you.

Please be advised that deleting your personal information may terminate your access to certain of the Site Offerings. If you wish to continue using the full complement of Site Offerings, we may not be able to delete all of the personal information that we have on file for you.

Further after we delete your personal information, residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems.

How to Exercise your Rights

If you wish to exercise any of your CCPA rights noted above or have any questions or comments about this privacy policy, the ways in which we collect and use your personal information, or your choices and rights regarding such use, please contact us by either:

• Calling us at: 888-691-9156
• Emailing us at:[email protected]

We will respond to your request within the provisions allowed by CCPA; in no event later than 45 days of the receipt of your request, unless we notify you of any delay otherwise.

Submitting Requests for Someone Else

California residents can utilize an “Authorized Agent” to make requests on their behalf. We will require that the Authorized Agent provide us with a valid written authorization confirming said authority that is executed by you and the Authorized Agent.

Identity Verification

When you make any CCPA request, we are required to verify your identity before providing a response to the request. We will ask you to verify your identity when you submit a request, including any Authorized Agent’s identity.

Right to Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights, including but not limited to:

• Deny you goods or services
• Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties
• Provide you a different level or quality of goods or services
• Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services

 

 

Terms of Service

Last updated January 25th, 2024

Please note that all calls with Republic Financial Services LLC may be recorded or monitored for quality assurance and training purposes.

AGREEMENT BETWEEN USER AND Republic Financial Services LLC – PLEASE READ THE TERMS OF SERVICE SET FORTH BELOW (THE “TERMS”) GOVERN YOUR USE OF THIS WEBSITE ON THE WORLD WIDE WEB (THE “SITE”) AND ARE LEGALLY BINDING ON YOU. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS, DO NOT ACCESS OR OTHERWISE USE THIS SITE OR ANY INFORMATION CONTAINED ON THE SITE. YOUR USE OF THE SITE SHALL BE DEEMED TO BE YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS SET FORTH BELOW.

This Agreement contains a binding arbitration agreement. These Terms affect your legal rights, including an agreement to resolve disputes that may arise between us by arbitration on an individual basis instead of by class actions or jury trials. As a condition of using this Site, you agree that any disputes pertaining to information presented herein and use of the Site shall be resolved through binding arbitration and not in a court. You have the right to opt-out of our agreement to arbitrate.

Republic Financial Services LLC provides “The User” with access to its content, resources, education, tools for communication, public forums, commerce platforms, and other services through its network of websites, “The Service”. Republic Financial Services LLC provides its service to the user, subject to the following Terms of Service.

Republic Financial Services LLC is not responsible for providing you access facilities or equipment (in any form) to its service. You, “The User”, also comprehend and agree that “The Service” may include advertisements and sponsorships and that these are necessary for Republic Financial Services LLC to provide “The Service”. You also understand and agree that Republic Financial Services LLC makes no submission about the suitability, reliability, availability, timeliness, and accuracy of the information, products, services and related graphics contained within “The Service” for any purpose. “The Service” is provided “as is” without warranty of any kind. Republic Financial Services LLC hereby disclaims all warranties and conditions with regard to “The Service”. UNDER NO CIRCUMSTANCES IS Republic Financial Services LLC ADVERTISING, OFFERING OR SELLING CREDIT REPAIR SERVICES THROUGH THIS WEBSITE OR ANY OTHER MEANS. 

Republic Financial Services LLC is firmly committed to making its programs and services available to all individuals for whom those programs are suitable and does not tolerate discriminatory practices in connection with those programs and services. Accordingly, it is the policy of Republic Financial Services LLC to ensure equal opportunity and access to its programs and services without discrimination on the basis of race, color, religion, sex, marital status, citizenship, national origin, or ancestry. Republic Financial Services LLC prohibits any such discriminatory practices.

Message frequency varies per user. Message and data rates may apply.
Text HELP for help. Text STOP to unsubscribe.
Carriers are not liable for delayed or undelivered messages.

 

 

MODIFICATION OF THESE TERMS 

Republic Financial Services LLC reserves the right to change any of the terms, conditions, and notices under which “The Services” are offered. You are responsible for regularly reviewing these Terms of Service, including changes/modifications if any incorporated by us from time to time. Your continued use of “The Service” constitutes your agreement to all such terms, conditions, and notices.

MODIFICATION TO “THE SERVICE”

Republic Financial Services LLC reserves the right to modify or discontinue, temporarily or permanently, “The Service” (or any part of “The Service”) with or without notice to “The User” at any time and from time to time. “The User” agrees that Republic Financial Services LLC shall not be liable to “The User” or any third party for any modification or discontinuance of the Service.

USER CONDUCT

“The Service” may include email services, message boards, chat areas, newsgroups, forums, communities and/or other message or communication facilities designed to enable you to communicate with others (collectively, “Tools for Communication”). You agree to use the Tools for Communication only to post, send and receive messages and material that are proper and, when applicable, related to the particular tool for Communication. You also hereby agree that you shall not make use of “The Service” for any commercial purpose, including reselling and/or co-branding/private labeling.

As a condition of your use of “The Service” you, “The User”, agree to provide: (a) true, accurate, current and complete information about yourself as required by “The Service’s” registration form (such data being the “Registration Information, and Retainer Agreement”) (b) maintain and promptly update the Registration Information to keep it accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, Republic Financial Services LLC has the right to terminate the user account and refuse any and all current or future use of “The Service”. (c) Republic Financial Services LLC the right to use / disclose the aggregate registration information to third parties in connection with marketing of services, subject to the privacy policy. You have also consented Republic Financial Services LLC the right to use your registration information to provide targeting of advertising and other service offers. This could also be used to customize the content you see, to fulfill your requests for certain products and services and to contact/inform you through e-mail or otherwise about special offers or new products.

Usage Obligations

As a condition of your use of “The Service” you will not use “The Service” for any illegal purposes. You will be solely responsible for the contents of transmissions made by you through “The Service”.

You agree not to use “The Service” to: (a) Obstruct or hinder the use and enjoyment of “The Service” by other Users; (b) Violate any applicable local, state, national, and international laws and regulations; (c) Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity; (d) Interfere with or disrupt “The Service” or servers or networks connected to “The Service”, or defy any requirements, regulations or guidelines of networks connected to “The Service”; (e) Transmit or otherwise make available any material in connection with surveys, chain letters, junk e-mail, spamming, contests, pyramid schemes, or any duplicative or unsolicited messages (commercial or otherwise); (f) Upload, post, e-mail, transmit or otherwise make available any content that is unlawful, damaging, intimidating, hostile, offensive, harassing, defamatory, improper, obscene, vulgar, invasive of another’s privacy, caste related, ethnically or otherwise objectionable; (g) Upload, post, e-mail, transmit or otherwise make available any content protected by any patent, trademark, copyright or other intellectual proprietary laws unless you own or control the rights thereto or have received all necessary consents to do the same; (h) Upload files that contain viruses, worms, corrupted files or any other similar software or programs designed to disrupt, damage or limit the operation of any computer or telecommunications equipment or property of another; (i) “Stalk” or otherwise harass other users; collect or store personal data about other users. (j) Advertise, promote or offer to sell or buy any goods or services for any business purpose unless “The Service” specifically allows such messages or transactions. (k) Reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion, use or access of “The Service”. (l) Violate the Fair Credit Reporting Act, the Fair Debt Collection Practices Act or any other law, (m) Conduct any activity that would aid or assist terrorism or related activity or would endanger U.S. military personnel.

Republic Financial Services LLC has no obligation to observe and monitor “The Service”. However, Republic Financial Services LLC reserves the right to review materials posted and to remove any material/s. Republic Financial Services LLC also reserves the right to terminate your access to any or all of “The Services”, at any time, without notice, for any reason whatsoever.

Republic Financial Services LLC reserves the right subject to attorney-client privilege to the extent applicable and to the extent the same is not waived through these provisions, at all times to divulge any information as it considers necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part. These would be more applicable to the publicly accessible areas of “The Service” that are intended to be available to the general public. For example, publicly accessible areas of “The Service” would include message boards and chat rooms that are open to both registered users and visitors.

In view of the global nature of the World Wide Web, “The User” understands and agrees that technical processing of tools of communication is (and may be) required to send and receive messages, to correspond/conform to the technical requirements of connecting networks, to correspond/conform to the limitations of “The Service”, or to correspond/conform to other, similar technical requirements.

User account, password and security

As part of “The Service’s” registration process you will provide us with current, complete and accurate information as requested by the registration form, including your email address. You will then choose a password. You take total responsibility for maintaining the confidentiality of your password and account. You are also entirely responsible for any and all activities that occur under your account. You agree to notify Republic Financial Services LLC immediately of any unlawful/unauthorized use of your account or any other security violation. You agree to ensure that you exit from your account at the end of each session. You understand that Republic Financial Services LLC will not be liable for any loss or damage in any form incurred as a result of unauthorized usage of your account, with or without your knowledge. However, you could be held liable for losses or damages incurred by Republic Financial Services LLC or a third party as a result of your failure to comply with this clause. You also agree not to use anyone else’s account, at any time, without the prior permission of the account holder.

PRIVACY POLICY

Registration information and certain other information about you is subject to our Privacy Policy. For more information, see our privacy policy.

LIMITATION OF LIABILITY

You expressly understand and agree that to the extent permitted, Republic Financial Services LLC shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if Republic Financial Services LLC has been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the Service; (ii) the cost of procurement of substitute services resulting from any data, information or services purchased or obtained or messages received or transactions entered into through or from the Service; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the Service; or (v) any other matter relating to the Service.

CONTENT SPINNING AND AUTOMATIC CONTENT REPUBLICATION

Republic Financial Services LLC prohibits any third parties from repurposing (whether automatically or manually) any of its articles, posts, publications, blogs and other content found on its website without express written consent from senior management. Republic Financial Services LLC will enforce its copyright and other intellectual property rights to the full extent of the law, proceeding against violators. Notwithstanding the foregoing, it is permissible to feature an excerpt of up to 25 words of directly quoted text from any single article in a blog for discussion purposes, linking back to the full article text at www.republicfinancialservices.com.

CONTENT PROVIDED TO THE SERVICE

Republic Financial Services LLC does not claim ownership of the “content” (in the form of data, text, software, music, sound, photographs, graphics, video, messages or other materials) you provide to Republic Financial Services LLC (including feedback and suggestions) or post, upload, privately transmit, input or submit to any Republic Financial Services LLC site or service for review by the general public. However, by posting, uploading, or making available content or any other material, you grant Republic Financial Services LLC and its affiliate sites permission to use your submission in connection with the operation of their Internet businesses, including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your submission, and to publish your name in connection with your submission.

SMS and Auto Dialed Calls

By entering your contact information onto republicfinancialservices.com you expressly request to receive information via telephone call, email and text/SMS message (including through the use of an automatic telephone dialing system or artificial/pre-recorded voice, SMS or MMS (text) messages, even if your telephone number(s) is/are currently listed on any state, federal or corporate Do Not Call list). Consent is not a requirement to purchase the goods or services that Republic Financial Services LLC is offering. Standard text message rates and cellular data charges apply. You may opt-out by replying “stop” to any message that you receive.

 

Message Flow:

1. Opt-In Request:

   • Customer: Alex, a visitor to RFS website, is interested in receiving the website’s Privacy Policy and Terms & Conditions via 10 DLC SMS. Alex texts “OPT-IN” to the company’s dedicated 10 DLC number.
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   [Alex]: OPT-IN

   


2. Opt-In Confirmation:

   • RFS: Upon receiving Alex’s opt-in request, the company sends an immediate confirmation message.
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   [RFS]: Thank you for opting in to receive YourWebCo's Privacy Policy and Terms & Conditions via 10 DLC SMS. Your privacy and understanding of our terms are important to us. Reply "AGREE" to confirm your consent.

   


3. Disclaimer:

   • YourWebCo: Before proceeding further, YourWebCo provides a comprehensive disclaimer regarding the use of 10 DLC SMS for Privacy Policy and Terms & Conditions delivery. This disclaimer is crucial and spans over 2000 characters to ensure clarity:
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   [YourWebCo]: DISCLAIMER: By opting in to receive YourWebCo's Privacy Policy and Terms & Conditions via 10 DLC SMS, you acknowledge and agree to the following:

   YourWebCo respects your privacy and is committed to protecting your personal information. The 10 DLC SMS service is used to provide you with our Privacy Policy and Terms & Conditions in a convenient manner. By opting in, you consent to receive these documents via SMS.

   YourWebCo will not use your phone number for any other purpose than delivering these documents and essential updates related to our services. We will not share your phone number with third parties.

   Standard messaging and data rates may apply, depending on your mobile carrier and plan. YourWebCo is not responsible for any charges incurred while receiving these SMS messages.

   You may opt out of receiving these documents at any time by texting “STOP” to our 10 DLC number. Opting out will not affect your access to our website or services.

   YourWebCo‘s Privacy Policy and Terms & Conditions are legally binding agreements that govern your use of our website and services. It is essential that you read and understand these documents in their entirety. If you have any questions or concerns, please contact us at [Contact Email Address].

   YourWebCo reserves the right to update or modify these documents at any time, and we will notify you of any changes via 10 DLC SMS.

   By replying “AGREE,” you confirm that you have read, understood, and agreed to the above terms and to receive our Privacy Policy and Terms & Conditions via 10 DLC SMS. If you do not agree, please do not reply, and no further messages will be sent.

   


   Thank you for choosing YourWebCo.

   


4. Privacy Policy and Terms & Conditions Delivery (Part 1):

   • YourWebCo: After Alex confirms the opt-in and accepts the disclaimer by replying “AGREE,” the company initiates the delivery of the Privacy Policy and Terms & Conditions via 10 DLC SMS, starting with the first section.
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   [YourWebCo]: Privacy Policy and Terms & Conditions - Part 1/5: Introduction

   


5. Privacy Policy and Terms & Conditions Content (Part 1):

   • Alex: Alex receives the Introduction section and reads its content.
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   [Alex]: [Reads the content]

   


6. Privacy Policy and Terms & Conditions Acknowledgment (Part 1):

   • Alex: After reading, Alex acknowledges understanding and consent by replying “AGREE.”
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   [Alex]: AGREE

   


7. Privacy Policy and Terms & Conditions Delivery (Part 2):

   • YourWebCo: The company continues the delivery with the second section of the Privacy Policy and Terms & Conditions.
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   [YourWebCo]: Privacy Policy and Terms & Conditions - Part 2/5: Data Collection and Usage

   


8. Privacy Policy and Terms & Conditions Content (Part 2):

   • Alex: Alex receives the Data Collection and Usage section and reviews its content.
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   [Alex]: [Reviews the content]

   


9. Privacy Policy and Terms & Conditions Acknowledgment (Part 2):

   • Alex: After reviewing, Alex acknowledges understanding and consent by replying “AGREE.”
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   [Alex]: AGREE

   


10. Privacy Policy and Terms & Conditions Delivery (Part 3):

    • YourWebCo: The company continues with the third section of the Privacy Policy and Terms & Conditions.
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    [YourWebCo]: Privacy Policy and Terms & Conditions - Part 3/5: Data Security and Confidentiality

    


11. Privacy Policy and Terms & Conditions Content (Part 3):

    • Alex: Alex receives the Data Security and Confidentiality section and reads its content.
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    [Alex]: [Reads the content]

    


12. Privacy Policy and Terms & Conditions Acknowledgment (Part 3):

    • Alex: After reading, Alex acknowledges understanding and consent by replying “AGREE.”
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    [Alex]: AGREE

    


13. Privacy Policy and Terms & Conditions Delivery (Part 4):

    • YourWebCo: The company proceeds with the fourth section of the Privacy Policy and Terms & Conditions.
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    [YourWebCo]: Privacy Policy and Terms & Conditions - Part 4/5: User Responsibilities and Conduct

    


14. Privacy Policy and Terms & Conditions Content (Part 4):

    • Alex: Alex receives the User Responsibilities and Conduct section and reviews its content.
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    [Alex]: [

DISPUTES AND ARBITRATION/CLASS ACTION WAIVER

Any dispute relating in any way to your visiting this website or your use of any of the Services shall be submitted to confidential, binding arbitration in New York, NY, except that, to the extent you have in any manner violated or threatened to violate Republic Financial Services LLC’s intellectual property rights, Republic Financial Services LLC may seek injunctive or other appropriate relief in any state or federal court in New York, and you consent to exclusive jurisdiction and venue in such courts. Arbitration hereunder shall be conducted under the rules then prevailing of the American Arbitration Association. The arbitrator’s award shall be binding, but subject to review in accordance with applicable statutes, rules and regulations governing arbitration awards and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration hereunder shall be joined to an arbitration involving any other party subject to these terms and conditions, whether through class arbitration proceedings or otherwise.

You may opt out of this Agreement to Arbitrate. If you do so, neither you nor we can require the other to participate in an arbitration proceeding. To opt out, you must notify us in writing, within 30 days of the date that you first began using this Site subject to these arbitration terms or changes to them, either by U.S. mail delivered to: Attn: Legal Department, Republic Financial Services LLC, 101 N 1st Ave, Phoenix, AZ 85003 or by email delivered to [email protected]