Seidman Financial
Website Terms of Use
Effective Date: April 23, 2026
www.seidmanfinancial.com • privacy@seidmanfinancial.com
IMPORTANT — PLEASE READ CAREFULLY: THESE TERMS OF USE CONTAIN A MANDATORY BINDING INDIVIDUAL ARBITRATION CLAUSE AND CLASS ACTION WAIVER IN SECTION 24. BY AGREEING TO ARBITRATION, YOU AND SEIDMAN FINANCIAL EACH WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN CLASS OR REPRESENTATIVE PROCEEDINGS. PLEASE READ SECTION 24 CAREFULLY BEFORE USING THIS PLATFORM. BY REGISTERING FOR, ACCESSING, OR USING THIS PLATFORM IN ANY MANNER, YOU AGREE TO BE LEGALLY BOUND BY ALL TERMS AND CONDITIONS SET FORTH HEREIN. IF YOU DO NOT AGREE, YOU MUST IMMEDIATELY CEASE ALL ACCESS AND USE OF THIS PLATFORM.
NO PROFESSIONAL ADVICE OR FIDUCIARY DUTY. THE PLATFORM AND ITS CONTENT ARE FOR GENERAL EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. NOTHING ON THE PLATFORM CONSTITUTES PROFESSIONAL FINANCIAL, ACCOUNTING, TAX, LEGAL, INVESTMENT, OR BUSINESS ADVICE. THE EDUCATIONAL CONTENT, COURSE MATERIALS, FINANCIAL MODELS, TEMPLATES, AND STRATEGIES PRESENTED BY SEIDMAN FINANCIAL AND ITS INSTRUCTORS DO NOT ESTABLISH A CPA-CLIENT, ATTORNEY-CLIENT, FIDUCIARY, OR OTHER PRIVILEGED RELATIONSHIP. COURSE CONTENT REFLECTS GENERAL PRINCIPLES AND BEST PRACTICES; IT IS NOT TAILORED TO YOUR SPECIFIC BUSINESS CIRCUMSTANCES. YOU SHOULD CONSULT A QUALIFIED LICENSED PROFESSIONAL BEFORE MAKING ANY DECISIONS BASED ON INFORMATION OBTAINED THROUGH THE PLATFORM. RELIANCE ON ANY INFORMATION ON THE PLATFORM IS ENTIRELY AT YOUR OWN RISK.
1. ACCEPTANCE OF TERMS
These Website Terms of Use (these “Terms” or “Agreement”) are entered into by and between you (“User,” “you,” or “your”) and Seidman Financial (“Company,” “Seidman Financial,” “we,” “us,” or “our”), a company organized and operating under the laws of the State of Illinois. These Terms, together with our Privacy Policy located at www.seidmanfinancial.com/privacy-policy and any additional terms incorporated by reference (collectively, the “Terms”), govern your access to and use of www.seidmanfinancial.com, learn.seidmanfinancial.com, and all associated subdomains, applications, content, course materials, community features, learning tools, and services (collectively, the “Platform” or “Website”).
By accessing the Platform in any manner—including by browsing, registering, enrolling in a course, subscribing to The Statement newsletter, participating in community forums, or using any feature—you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, you have no right to access or use the Platform and must immediately cease doing so.
These Terms are a legally binding contract. Your continued use of the Platform after any update to these Terms constitutes your acceptance of the revised Terms.
2. DEFINITIONS
The following definitions apply throughout these Terms:
- “Platform” The Seidman Financial website, on-demand learning platform at learn.seidmanfinancial.com, and all associated tools, features, Interactive Services, course content, community forums, resources, and functionality accessible at www.seidmanfinancial.com and any related subdomains or applications.
- “Learner” An individual who has created an account on the Platform and/or enrolled in any Seidman Financial course, program, or learning experience.
- “Corporate Training Client” An organization that has engaged Seidman Financial under a separate corporate training agreement to deliver customized training programs to its employees or designated participants.
- “Content Creator” A Learner, instructor, or authorized third party designated by the Company to prepare and publish editorial articles, guides, research, industry commentary, or curated content on the Platform or in The Statement newsletter.
- “Course Content” All instructional materials, including but not limited to video lectures, slide presentations, worksheets, exercises, templates, financial models, quizzes, assessments, downloadable resources, and other educational materials created by or on behalf of Seidman Financial and made available through the Platform.
- “User Content” Any text, data, files, links, forum posts, comments, messages, articles, survey responses, feedback, testimonials, or other materials submitted, posted, uploaded, or otherwise transmitted by a User on or through the Platform, including through Interactive Services and community features.
- “Interactive Services” Community forums, discussion boards, comment sections, Q&A features, direct messaging, mastermind group communications, and all other interactive features of the Platform that allow Users to post, share, or exchange content and communications.
- “Program” Any live virtual training program, self-study course, on-demand course, workshop, mastermind, cohort-based learning experience, or other educational offering provided by Seidman Financial, whether delivered through the Platform, via Zoom, through Maven, or through any other channel.
- “Sponsor” A business or individual—including fintech companies, financial technology providers, professional service firms, and other organizations—that has executed a separate written Sponsorship Agreement with the Company to place promotional content on or in connection with the Platform or The Statement newsletter.
- “The Statement” The Seidman Financial email newsletter providing industry insights, editorial content, program updates, sponsored content, and professional development resources.
- “Company IP” All content, features, and functionality on the Platform that is not User Content, including Course Content, software, source code, algorithms, databases, text, displays, images, video, audio, design, selection and arrangement, trademarks, service marks, trade dress, financial models, templates, and underlying technology, all of which are owned by or licensed to the Company.
- “Feedback” Any ideas, suggestions, recommendations, improvements, comments, course evaluations, or other input you provide to the Company regarding the Platform or Company services, whether solicited or unsolicited.
3. PLATFORM OVERVIEW AND SERVICES
3.1 Live Virtual Training Programs
Instructor-led, interactive training programs conducted via Zoom or similar videoconferencing platforms. Live programs are limited in size to facilitate hands-on learning and direct interaction with instructors and facilitators. Programs include the FP&A Mastery Signature Program, Cash Flow Forecasting and Modeling, Advanced Financial and Business Modeling, Excel Mastery for Finance, and other specialized programs as offered from time to time.
3.2 Self-Study and On-Demand Courses
Pre-recorded courses and learning modules available through learn.seidmanfinancial.com, delivered 100% virtually with interactive content, downloadable resources, and access to instructors for Q&A. Learners may progress through on-demand courses at their own pace within the applicable access period.
3.3 Corporate Training
3.4 The Fractional CFO and Advisory Mastermind
A community-based learning and development experience for fractional CFOs and advisory professionals, featuring live discussions, peer networking, and collaborative learning. Participation is subject to enrollment and any applicable program-specific terms.
3.5 Community Forum and Interactive Services
The Platform includes Interactive Services—community forums, discussion boards, comment sections, Q&A features, and other collaborative tools—that allow Learners and other Users to engage in professional discussions, exchange insights, ask questions, share resources, and collaborate. All Interactive Services activity is governed by the Community Standards in Section 11. The Company reserves the right to add, modify, or discontinue any Interactive Services at any time.
3.6 The Statement Newsletter and Editorial Content
3.7 Sponsorships and Sponsored Content
The Platform and The Statement newsletter may feature content from Sponsors, including fintech companies, financial technology providers, professional service firms, and other industry partners. Sponsors who have executed a separate written Sponsorship Agreement may publish promotional content, share professional resources, and co-host or sponsor events or webinars. See Section 14 for full Sponsorship terms.
3.8 Continuing Professional Education (CPE) Credits
Seidman Financial is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. CPE credits are issued for qualifying Programs in accordance with NASBA standards. CPE credit eligibility, requirements, and issuance are subject to NASBA guidelines and applicable state board of accountancy rules.
3.9 Third-Party Platform Delivery
3.10 Beta Features
4. ELIGIBILITY
4.1 Age Requirement
You must be at least eighteen (18) years of age and have full legal capacity to enter into a binding contract. By registering or enrolling, you represent and warrant that you satisfy these requirements. The Platform is not directed to minors, and the Company will promptly terminate any account it determines to be held by a minor.
4.2 Non-Discrimination
The Company does not discriminate in enrollment eligibility on the basis of race, color, national origin, religion, sex, gender identity or expression, sexual orientation, disability, age, veteran status, marital status, or any other characteristic protected by applicable federal, state, or local law.
4.3 Accuracy of Information
You represent and warrant that all information you provide—at registration and throughout your use—is truthful, accurate, current, and complete. You agree to promptly update your account information. Providing false, misleading, or fraudulent information is a material breach of these Terms and grounds for immediate account termination.
4.4 Geographic Scope
The Platform is operated from the United States. You are solely responsible for compliance with applicable laws in your jurisdiction. The Company makes no representation that the Platform or its Programs are appropriate for use outside the United States.
5. ACCOUNT REGISTRATION AND SECURITY
5.1 Account Creation
5.2 Credential Security
You are solely and entirely responsible for maintaining the confidentiality of your login credentials. You agree to: (i) not disclose credentials to any third party; (ii) use a strong, unique password; (iii) notify the Company immediately at info@seidmanfinancial.com upon discovering any unauthorized access or suspected breach. The Company will not be liable for any loss caused by your failure to maintain credential security.
5.3 One Account Per User; No Account Sharing
Each individual may hold only one active account. You may not share, transfer, sublicense, or permit any other person to use your account or access course content through your credentials. Course access is licensed to you individually and is non-transferable. Creating duplicate, fictitious, or misleading accounts is a material breach of these Terms and will result in termination of all associated accounts and forfeiture of any course access. We share CPE-related data (name, credential identifiers, credit hours, program details) with NASBA, state boards of accountancy, and other professional credentialing organizations as required for CPE compliance and reporting.
5.4 Company’s Right to Disable Accounts
The Company reserves the right to disable or terminate any account, username, or password at any time in its sole discretion, with or without notice, including upon any suspected violation of these Terms. Disabled accounts may be reinstated only at the Company’s discretion.
5.5 Corporate and Group Accounts
Organizations enrolling multiple participants through corporate training agreements must establish individual accounts for each participating professional. Enterprise or group access arrangements are subject to the terms of the applicable corporate training agreement.
6. COURSE ENROLLMENT, PURCHASES, AND REFUND POLICY
6.1 Course Enrollment and Payment
By enrolling in any Program, you agree to pay the applicable fees and any related taxes. You authorize the Company (and our designated third-party payment processors) to charge your provided payment method for such fees. Pricing will be clearly disclosed prior to purchase. All prices are in U.S. dollars unless otherwise stated.
6.2 Refund Policy
MATERIALS, PRODUCTS, AND SERVICES SOLD BY SEIDMAN FINANCIAL ARE GENERALLY NON-REFUNDABLE. If you are unhappy or dissatisfied with anything purchased from Seidman Financial, or its affiliates, you may contact info@seidmanfinancial.com within five (5) business days of the date of purchase to discuss your concerns. Refund requests submitted after this five (5) business day period will not be honored. Any refund granted is at the sole discretion of the Company. No refunds will be issued for partially completed courses, missed live sessions, or failure to access on-demand content within the applicable access period.
6.3 Subscriptions and Auto-Renewal
If you purchase a subscription-based Program (such as the FP&A Mastery Signature Program), your subscription will automatically renew at the end of each billing cycle unless canceled prior to the renewal date. You may cancel your subscription at any time through your account settings or by contacting info@seidmanfinancial.com. To avoid being charged for the next billing cycle, you must cancel prior to the auto-renewal date. Cancellation will take effect at the end of your current paid billing period, and you will retain access to the Program until that period expires.
6.4 Price Changes
The Company reserves the right to modify Program pricing or billing methods at any time. We will provide you with reasonable prior notice of any price increase applicable to your existing subscription. If you do not agree to the price change, your sole remedy is to cancel your subscription before the new price goes into effect.
6.5 Course Access Periods
On-demand and self-study courses are subject to access periods specified at the time of enrollment. Unless otherwise stated, course access is provided for a defined period from the date of enrollment. The Company reserves the right to update, modify, or retire Course Content at any time. Continued access to specific course versions is not guaranteed beyond the stated access period.
6.6 CPE Credit Terms
CPE credits are issued only upon successful completion of all program requirements, including minimum attendance thresholds for live sessions, completion of required assessments, and submission of program evaluation forms. CPE credit eligibility is determined in accordance with NASBA standards and applicable state board of accountancy requirements. Seidman Financial does not guarantee that CPE credits will be accepted by all state boards or professional organizations. It is your responsibility to confirm that any Program meets the CPE requirements of your state board or credentialing body.
7. USER CONTRIBUTIONS AND CONTENT
7.1 Interactive Services
The Platform includes community forums, discussion boards, comment sections, Q&A features, direct messaging, mastermind group communications, and other Interactive Services that allow Users to post, submit, display, or transmit User Content.
7.2 Your Ownership; License Grant
You retain full ownership of all intellectual property rights in the User Content you post or submit. However, by submitting any User Content to the Platform, you grant the Company and its affiliates, licensees, successors, and assigns an irrevocable, perpetual, non-exclusive, royalty-free, fully paid-up, worldwide, sublicensable, and fully transferable license to use, reproduce, copy, store, modify, adapt, translate, publish, publicly display, publicly perform, distribute, create derivative works from, process information and content and otherwise exploit your User Content in any media or format now known or hereafter developed, without any further consent, notice, or compensation to you or others. This includes the right to use your User Content for any purpose related to operating, improving, marketing, or promoting the Platform and Seidman Financial’s Programs. This license does not authorize the sale of your personally identifiable information in violation of the Privacy Policy.
You acknowledge that User Content you post to publicly accessible areas of the Platform is non-confidential and non-proprietary as between you and other Users.
7.3 Name & Likeness Right (For Sponsored Content and Promotions)
You grant the Company permission to use your name, profile picture, professional headline, and information about your public interactions with the Platform (such as forum posts, comments, course reviews, and testimonials), next to or in connection with ads, offers, sponsored content, partner promotions, newsletter features, and other promotional materials that we display, including to other Users, without any compensation to you. You may opt out of this use at any time by contacting info@seidmanfinancial.com. This license does not permit the Company to use your name or likeness in a manner that falsely implies your personal endorsement of any specific third-party product or service.
7.4 Waiver of Moral Rights
To the maximum extent permitted by applicable law, you hereby waive any and all “moral rights,” or equivalent rights, or rights of privacy or publicity in or regarding your User Content, under the laws of any jurisdiction. This includes, but is not limited to, the right to be identified as the author of the content, the right to object to derogatory treatment or modification of your User Content, and any similar rights existing under the laws of any jurisdiction. This waiver is worldwide and survives termination of these Terms.
7.5 Feedback and Suggestions
We welcome your ideas to improve the Platform. If you provide Feedback, you agree that we can use, share, and commercialize such Feedback for any purpose, without restriction, without any obligation of confidentiality, and without any compensation or obligation to you, as specified in Section 13.
7.6 Your Representations and Warranties Regarding User Content
By posting User Content, you represent, warrant, and covenant that:
- You own or hold all necessary rights, licenses, consents, and permissions to post the content and to grant the license in Section 7.2;
- Your User Content does not and will not infringe, misappropriate, or violate any third-party intellectual property right, privacy right, publicity right, or other proprietary right;
- Your User Content does not contain false, defamatory, fraudulent, misleading, abusive, harassing, threatening, discriminatory, obscene, or unlawful material;
- Your User Content does not include any unauthorized third-party confidential, trade secret, or proprietary information;
- Your User Content complies with all applicable federal, state, local, and international laws;
- Your User Content does not contain viruses, malware, or other harmful code.
You are solely and fully responsible for all User Content you submit, including its legality, accuracy, and appropriateness. The Company is not responsible for, and expressly disclaims all liability arising from, User Content posted by any User.
7.7 Content Creator Terms
Content Creators—including guest editorial contributors, invited authors, and third-party content partners—agree to additional editorial standards and publication terms. Content Creators represent that all content is original (or properly licensed), does not infringe third-party rights, is factually accurate to the best of the Creator’s knowledge, and complies with these Terms and all applicable law. The Company may edit, reject, modify, or remove any submitted content at any time in its sole discretion without liability to the Content Creator. Content Creator contributions to The Statement newsletter or the Platform do not create an employment, agency, or partnership relationship with the Company unless expressly provided in a separate written agreement.
7.8 AI-Generated Content
Users may utilize artificial intelligence tools to assist in creating User Content (e.g., forum posts, comments). However, you remain strictly liable for the factual accuracy, legality, and originality of such content. You must ensure that AI-generated financial, legal, or regulatory content does not contain fabricated data (“hallucinations”) and does not infringe upon third-party intellectual property rights.
7.9 No Monitoring Obligation; Right to Act
The Company is not obligated to monitor, review, or screen User Content before it is posted. The Company nevertheless reserves the right, but not the obligation, to monitor, review, screen, edit, refuse, or remove any User Content at any time and for any reason, including for violation of these Terms or the Content Standards in Section 8, in the Company’s sole discretion and without notice or liability to any party.
The Company further reserves the right to: (i) disclose User identity or account information to any third party who claims that posted content violates their legal rights; (ii) cooperate fully with law enforcement authorities and comply with court orders requiring disclosure of User information or content; and (iii) take appropriate legal action, including referral to law enforcement, for any illegal or unauthorized use of the Platform. YOU WAIVE AND HOLD HARMLESS THE COMPANY AND ITS AFFILIATES, LICENSEES, AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ACTIONS TAKEN DURING OR AS A RESULT OF SUCH INVESTIGATIONS AND FROM ANY ACTIONS TAKEN AS A CONSEQUENCE THEREOF.
8. CONTENT STANDARDS
These content standards govern all User Content and use of Interactive Services. All User Content must comply in its entirety with all applicable federal, state, local, and international laws. Without limiting the foregoing, User Content must not:
- Contain material that is defamatory, obscene, indecent, abusive, threatening, harassing, hateful, inflammatory, tortious, or otherwise objectionable, or that could expose the Company or any User to civil or criminal liability;
- Promote or depict sexually explicit material, unlawful violence, or discrimination based on any protected characteristic;
- Infringe upon any patent, trademark, trade secret, copyright, right of publicity, privacy right, or other intellectual property or proprietary right of any person;
- Violate any right of privacy or publicity, or contain personal information about another person that was obtained without their consent;
- Be deceptive, fraudulent, misleading, or likely to deceive any person;
- Promote any illegal activity or solicit, facilitate, or assist any unlawful act;
- Contain malicious code, viruses, trojan horses, worms, logic bombs, or other technologically harmful components;
- Impersonate any person or entity, or misrepresent your credentials, identity, or affiliation with any person or organization;
- Involve unauthorized commercial activities, including unsolicited solicitation, multi-level marketing, pyramid schemes, contests, sweepstakes, or advertising not expressly authorized by the Company;
- Falsely suggest endorsement or affiliation with the Company or any other party;
- Disclose material non-public information, insider trading-relevant data, or confidential business information belonging to any third party;
- Include the personally identifiable information of any third party without their express consent.
9. PROHIBITED USES
You agree to use the Platform only for lawful purposes and in accordance with these Terms. You may not use the Platform:
- In any manner that violates any applicable federal, state, local, or international law or regulation;
- To exploit, harm, or attempt to harm minors;
- To transmit any advertising or promotional material without the Company’s prior written consent, including “junk mail,” “spam,” “chain letters,” or similar unsolicited commercial communications;
- To impersonate the Company, a Company employee or representative, any instructor, or any other person or entity;
- To restrict or inhibit any other person’s use or enjoyment of the Platform;
- To record, capture, redistribute, resell, or commercially exploit any live session, Course Content, or other Company IP without express prior written authorization;
- To share login credentials or course access with any person not individually enrolled;
- To engage in any data mining, scraping, crawling, or systematic extraction of Platform content without express prior written authorization from the Company;
- To reverse engineer, decompile, disassemble, or attempt to derive the source code, algorithms, or underlying structure of any portion of the Platform;
- To use any robot, spider, or other automated device or process to access, monitor, or copy any Platform content without authorization;
- To use any device, software, or routine that interferes with the proper working of the Platform;
- To introduce viruses, trojan horses, worms, logic bombs, ransomware, keyloggers, or any other malicious or technologically harmful material;
- To attempt to gain unauthorized access to any account, portion of the Platform, server, or network connected to the Platform;
- To conduct or facilitate a denial-of-service attack or distributed denial-of-service attack;
- To use the Platform to develop competitive products or services, or to benchmark the Platform against any competitive offering;
- To facilitate any unauthorized access to, disclosure of, or use of any third party’s confidential or proprietary information;
- For any purpose not expressly permitted by these Terms.
10. MONITORING AND ENFORCEMENT; TERMINATION OF ACCESS
The Company has the right, but not the obligation, to:
- Remove or refuse to post any User Content for any or no reason in its sole discretion, without notice or liability;
- Take any action with respect to any User Content that it deems necessary or appropriate, including removal, if the Company believes the User Content violates these Terms, infringes any person’s rights, or could create liability for the Company;
- Disclose User identity or other information to third parties claiming that posted content violates their rights, or to law enforcement as required by applicable law;
- Take appropriate legal action, including without limitation referral to and cooperation with law enforcement or regulatory authorities, for any unlawful or unauthorized use of the Platform;
- Terminate or suspend access to all or any part of the Platform for any User at any time, with or without cause or notice.
The Company does not undertake to review all User Content before posting and cannot ensure prompt removal of objectionable material after posting. The Company assumes no liability for any action or inaction regarding transmissions, communications, or content provided by any User or third party, and has no liability to anyone for performance or nonperformance of the activities described in this Section.
11. COMMUNITY STANDARDS
11.1 Professional Conduct
11.2 Confidentiality of Community Discussions
Users acknowledge that certain discussions within Platform forums and community features may involve sensitive professional information. You agree not to disclose, publish, or republish content from private or restricted-access discussions outside the Platform without the express permission of all participants. The Company is not responsible for the confidentiality of information shared by other Users within community forums.
When discussing professional challenges or sharing examples, Users must strictly anonymize all third-party and client data. You agree never to post material non-public information (MNPI), proprietary client financials, or sensitive corporate data. The Company is not responsible for any User’s breach of their independent non-disclosure agreements (NDAs) or confidentiality obligations to their clients or employers.
11.3 No Unauthorized Professional Solicitation or Data Harvesting
The Platform’s community features are intended for peer learning and professional development. You may not scrape, harvest, or systematically collect User profile data, email addresses, or messaging details to build external lead lists, databases, or marketing funnels. The use of the Platform’s community features or direct messaging for cold-pitching software, services, or unsolicited products to other Users is strictly prohibited and constitutes grounds for immediate account termination.
11.4 Reporting Violations
If you observe content or conduct that violates these Terms, you agree to report it to the Company at info@seidmanfinancial.com. The Company will investigate reports and take such action as it deems appropriate in its sole discretion. Reporting does not guarantee any particular outcome. You agree not to make false reports.
11.5 Interactions Between Users
The Platform provides community features and messaging to facilitate professional learning and networking. You are solely responsible for your interactions with other Users. The Company reserves the right, but has no obligation, to monitor disputes between Users. You are strictly responsible for adhering to professional conduct standards, and you are encouraged to use Platform features to block or report Users who violate these Community Standards.
12. SPONSORSHIPS AND SPONSORED CONTENT
12.1 Sponsorship Agreement Required
Any organization or individual wishing to act as a Sponsor—including fintech companies, financial technology providers, and professional service firms—must execute a separate written Sponsorship Agreement with the Company. These Terms apply to Sponsors in addition to, and do not supersede, the terms of any Sponsorship Agreement.
12.2 Sponsor Contact Information
12.3 Disclosure of Sponsored Content
All Sponsor-associated content—whether appearing on the Platform, in The Statement newsletter, or in connection with events—will be clearly labeled as “Sponsored,” “Partner Content,” or equivalent. Unless expressly stated, inclusion of Sponsor content does not constitute the Company’s endorsement of the Sponsor’s products, services, or views. The Company is not responsible for Sponsor content or any claims, damages, or liability arising from Sponsor products or services.
12.4 Sponsor Conduct and Compliance
Sponsors must comply with these Terms, their Sponsorship Agreement, all applicable laws (including FTC guidelines on endorsements and advertising disclosures), and all Company policies communicated from time to time. Sponsors may not use their Platform access or newsletter placement to engage in deceptive, misleading, or unlawful practices. The Company may suspend or terminate any Sponsorship at any time for material breach without liability.
13. FEEDBACK AND UNSOLICITED IDEAS
If you provide the Company with any Feedback regarding the Platform—whether through surveys, course evaluations, forum posts, emails, or otherwise—you hereby grant the Company an irrevocable, perpetual, worldwide, royalty-free, fully paid-up license to use, disclose, reproduce, modify, sublicense, and otherwise exploit such Feedback for any purpose, without compensation or attribution to you and without restriction of any kind. You represent that your Feedback does not contain any confidential or proprietary information of any third party.
THE COMPANY DOES NOT ACCEPT UNSOLICITED IDEA SUBMISSIONS. Any ideas, concepts, inventions, or creative materials you submit to the Company outside of a written agreement expressly providing otherwise will be treated as Feedback and subject to this Section. The Company will not be under any obligation of confidentiality with respect to such submissions.
14. INTELLECTUAL PROPERTY RIGHTS
14.1 Ownership of Company IP
All Company IP—including the Platform’s design, features, functionality, software, source code, algorithms, databases, Course Content, articles, compilations, financial models, templates, worksheets, exercises, video and audio recordings, images, trademarks, service marks, and trade dress—is owned by or exclusively licensed to Seidman Financial and is protected by U.S. and international copyright, trademark, patent, trade secret, and other intellectual property laws. These Terms do not transfer any right, title, or interest in Company IP to you.
14.2 Limited License to Learners
Subject to your compliance with these Terms and payment of applicable fees, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Platform and enrolled Course Content solely for your personal, professional educational purposes. This license does not include any right to:
- Reproduce, redistribute, resell, sublicense, or commercially exploit any Course Content;
- Record, screen-capture, or otherwise copy live sessions or on-demand video content;
- Share Course Content, downloadable resources, templates, or financial models with any person who is not individually enrolled;
- Use Course Content to create competing educational products or services;
- Remove, alter, or obscure any copyright, trademark, or other proprietary rights notices.
This license is immediately revocable upon any breach of these Terms or termination of your account.
14.3 Corporate Training License
Corporate Training Clients receive a limited license to use Course Content within their organization solely for internal professional development purposes, as specified in the applicable corporate training agreement. This license does not extend to external distribution, resale, or use beyond the scope of the training agreement.
14.4 Trademarks
“Seidman Financial,” “The Statement,” “FP&A Mastery,” the Company’s logo, and all related names, logos, product and service names, designs, and slogans are trademarks or common law trademarks of Seidman Financial. You must not use any Company mark without express prior written permission. All other marks appearing on the Platform are the property of their respective owners.
14.5 Digital Millennium Copyright Act (DMCA)
If you believe content on the Platform infringes your copyright, submit a written notice to our designated DMCA Agent at info@seidmanfinancial.com that includes: (i) identification of the copyrighted work claimed to be infringed; (ii) identification of the allegedly infringing material and its URL or location on the Platform; (iii) your name, address, telephone number, and email address; (iv) a statement that you have a good faith belief that the use is not authorized; (v) a statement, signed under penalty of perjury, that the information is accurate and you are the copyright owner or authorized to act on their behalf.
Upon receipt of a valid DMCA notice, the Company will investigate and take appropriate action, which may include removal of the allegedly infringing content. It is the Company’s policy to terminate, in appropriate circumstances, the accounts of Users who are repeat infringers of intellectual property rights in accordance with 17 U.S.C. § 512.
14.6 Counter-Notification
If you believe your content was removed due to a mistaken or misidentified DMCA claim, you may submit a counter-notification to info@seidmanfinancial.com meeting the requirements of 17 U.S.C. § 512(g). Upon receipt of a valid counter-notification, the Company may reinstate the removed content at its discretion.
15. THIRD-PARTY LINKS AND SERVICES
The Platform may integrate with or link to third-party websites, applications, or services, including Zoom, Maven, LinkedIn, YouTube, and payment processors (“Third-Party Services”). Such links and integrations are provided for convenience only. The Company has no control over Third-Party Services and is not responsible for their content, accuracy, availability, privacy practices, or terms. Third-Party Service links do not constitute endorsement.
YOUR USE OF ANY THIRD-PARTY SERVICE IS GOVERNED SOLELY BY THAT THIRD PARTY’S TERMS AND PRIVACY POLICIES. THE COMPANY EXPRESSLY DISCLAIMS ALL LIABILITY FOR ANY LOSS OR DAMAGE CAUSED BY YOUR USE OF OR RELIANCE ON THIRD-PARTY SERVICES. YOU ACCESS THIRD-PARTY SERVICES ENTIRELY AT YOUR OWN RISK.
16. LINKING TO THE PLATFORM AND SOCIAL MEDIA
You may link to the Platform homepage provided the link is fair, legal, and not misleading, and does not damage or take unfair advantage of the Company’s reputation. You must not: establish a link that implies affiliation or endorsement without written consent; frame the Platform on any other site; deep-link to non-homepage content without permission; or link from a website that does not comply with the Content Standards in Section 8. The Company reserves the right to revoke linking permission at any time without notice.
The Platform may provide social sharing features permitting you to share content through your personal professional social media accounts. You may use these features only as provided, with respect to the content they accompany, and in compliance with any additional terms. The Company may disable social features at any time in its discretion.
17. PRIVACY POLICY AND DATA PRACTICES
17.1 Privacy Policy
All information collected on the Platform is subject to our Privacy Policy at www.seidmanfinancial.com/privacy-policy, incorporated herein by reference. By using the Platform, you consent to all actions taken with respect to your information in accordance with the Privacy Policy.
17.2 No Sale of Personal Data
THE COMPANY DOES NOT SELL, RENT, LICENSE, OR OTHERWISE COMMERCIALLY TRANSFER YOUR PERSONAL DATA TO ANY THIRD PARTY. User data is used solely to operate, improve, and administer the Platform; to deliver Programs and issue CPE credits; to communicate with Users about Programs and services; to comply with legal obligations; and for internal analytics. Data shared with service providers is subject to data processing agreements limiting use to the Company’s purposes.
17.3 Email Communications and CAN-SPAM Compliance
By registering or subscribing, you consent to receive transactional and service-related emails from the Company. The Company’s commercial email communications comply with the CAN-SPAM Act. You may opt out of non-essential marketing emails at any time by using the unsubscribe link in any email or contacting info@seidmanfinancial.com. You may not opt out of operational, security, legal, or account-related notices.
17.4 State Privacy Rights
To the extent applicable, residents of California and other states with applicable privacy laws may have additional rights regarding their personal information, including rights of access, deletion, correction, and opt-out of certain data uses. Please refer to the Privacy Policy for information on exercising these rights.
18. CHANGES TO THE PLATFORM AND TERMS OF USE
The Company may revise these Terms at any time in its sole discretion. All changes are effective immediately upon posting, with an updated effective date shown at the top. For material changes, the Company will use reasonable efforts to notify registered Users via email at least fourteen (14) calendar days before the change takes effect, where practicable. Your continued use of the Platform after the effective date of any change constitutes your acceptance of the revised Terms. If you do not agree to revised Terms, you must discontinue use of the Platform.
The Company also reserves the right to modify, suspend, discontinue, or restrict access to the Platform, any Program, any Interactive Service, or any portion thereof at any time, with or without notice, and without liability.
19. DISCLAIMER OF WARRANTIES
NO PROFESSIONAL ADVICE. NOTHING ON THE PLATFORM CONSTITUTES PROFESSIONAL FINANCIAL, ACCOUNTING, TAX, LEGAL, INVESTMENT, OR BUSINESS ADVICE. ALL COURSE CONTENT, EDITORIAL CONTENT, AND MATERIALS ARE PROVIDED FOR GENERAL EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY AND ARE NOT TAILORED TO YOUR SPECIFIC BUSINESS CIRCUMSTANCES. RELIANCE ON ANY INFORMATION ON THE PLATFORM IS ENTIRELY AT YOUR OWN RISK. YOU SHOULD CONSULT A QUALIFIED LICENSED PROFESSIONAL BEFORE MAKING ANY FINANCIAL, LEGAL, OR BUSINESS DECISION.
“AS IS” AND “AS AVAILABLE.” THE PLATFORM, ITS CONTENT, COURSE MATERIALS, AND ALL SERVICES AND ITEMS OBTAINED THROUGH THE PLATFORM ARE PROVIDED STRICTLY ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. THE COMPANY AND ALL PERSONS ASSOCIATED WITH THE COMPANY HEREBY DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION: (A) WARRANTIES OF MERCHANTABILITY; (B) FITNESS FOR A PARTICULAR PURPOSE; (C) TITLE AND NON-INFRINGEMENT; (D) ACCURACY, RELIABILITY, COMPLETENESS, TIMELINESS, OR AVAILABILITY; (E) THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; AND (F) THAT DEFECTS WILL BE CORRECTED. THE FOREGOING DOES NOT AFFECT WARRANTIES THAT CANNOT BE EXCLUDED UNDER APPLICABLE LAW.
USER AND THIRD-PARTY CONTENT DISCLAIMER. THE COMPANY DOES NOT ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY USER CONTENT, THIRD-PARTY EDITORIAL CONTENT, CONTENT CREATOR SUBMISSIONS, OR SPONSOR CONTENT ON THE PLATFORM OR IN THE STATEMENT NEWSLETTER. RELIANCE ON ANY SUCH CONTENT IS ENTIRELY AT YOUR OWN RISK.
CPE CREDIT DISCLAIMER. THE COMPANY DOES NOT GUARANTEE THAT CPE CREDITS EARNED THROUGH ITS PROGRAMS WILL BE ACCEPTED BY ALL STATE BOARDS OF ACCOUNTANCY OR PROFESSIONAL CREDENTIALING ORGANIZATIONS. IT IS YOUR SOLE RESPONSIBILITY TO VERIFY CPE REQUIREMENTS WITH YOUR APPLICABLE STATE BOARD OR CREDENTIALING BODY.
EDUCATIONAL OUTCOMES DISCLAIMER. THE COMPANY DOES NOT GUARANTEE ANY SPECIFIC CAREER, FINANCIAL, OR PROFESSIONAL OUTCOME AS A RESULT OF PARTICIPATING IN ANY PROGRAM. RESULTS VARY BASED ON INDIVIDUAL EFFORT, EXPERIENCE, AND CIRCUMSTANCES.
20. LIMITATION ON LIABILITY
EXCLUSION OF CONSEQUENTIAL DAMAGES. TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, INSTRUCTORS, CONTENT CREATORS, OR THEIR RESPECTIVE LICENSORS, SERVICE PROVIDERS, EMPLOYEES, OFFICERS, AGENTS, OR CONTRACTORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION: LOSS OF PROFITS; LOSS OF REVENUE; LOSS OF DATA; LOSS OF GOODWILL; BUSINESS INTERRUPTION; COST OF SUBSTITUTE GOODS OR SERVICES; PERSONAL INJURY OR PROPERTY DAMAGE; OR EMOTIONAL DISTRESS; ARISING OUT OF OR IN CONNECTION WITH: (A) YOUR USE OF OR INABILITY TO USE THE PLATFORM; (B) ANY COURSE CONTENT, USER CONTENT, EDITORIAL CONTENT, OR SPONSOR CONTENT ON THE PLATFORM; (C) ANY RELIANCE ON INFORMATION, STRATEGIES, MODELS, OR TECHNIQUES PRESENTED IN ANY PROGRAM OR EDITORIAL CONTENT; (D) ANY TRANSACTION OR RELATIONSHIP BETWEEN YOU AND ANY THIRD PARTY, INCLUDING OTHER USERS OR SPONSORS; OR (E) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.
AGGREGATE CAP. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY’S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNTS ACTUALLY PAID BY YOU TO THE COMPANY IN THE TWELVE (12) CALENDAR MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED UNITED STATES DOLLARS ($100.00). THE EXISTENCE OF MORE THAN ONE CLAIM WILL NOT ENLARGE OR EXPAND THIS LIMIT.
Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, the above limitations and exclusions apply to the maximum extent permitted by applicable law. The parties acknowledge that the limitations of liability in this Section reflect a reasonable allocation of risk and that the Company would not have made the Platform available on these terms without such limitations.
21. INDEMNIFICATION
To the fullest extent permitted by applicable law, you agree to defend, indemnify, protect, and hold harmless the Company, its affiliates, instructors, Content Creators, and their respective licensors, service providers, officers, employees, contractors, agents, successors, and assigns (collectively, the “Seidman Indemnitees”) from and against any and all claims, demands, liabilities, damages, losses, judgments, penalties, fines, costs, and expenses (including reasonable attorneys’ fees and costs of investigation) (collectively, “Losses”) arising out of or relating to:
- Your access to or use of the Platform, Interactive Services, or any Programs;
- Your User Content, forum posts, Feedback, or other submissions to the Platform;
- Your violation of any provision of these Terms, the Privacy Policy, or any applicable law or regulation;
- Your violation or alleged violation of any third-party right, including any intellectual property, privacy, publicity, or proprietary right;
- Your unauthorized recording, redistribution, or commercial exploitation of Course Content;
- Your misrepresentation of professional credentials, identity, or affiliation;
- Any reliance by you or any third party on information, strategies, or techniques presented in any Program or editorial content;
- Any dispute or claim arising between you and any other User or Sponsor;
- Your use of the Platform’s content, services, or products in a manner not expressly authorized by these Terms;
- Use of the Platform by any person accessing the Platform through your account with or without your authorization.
The Company reserves the right, at its own cost, to assume exclusive defense and control of any matter for which you are required to indemnify the Seidman Indemnitees, and you agree to cooperate fully with such defense. You agree not to settle any such matter without the Company’s prior written consent. Your indemnification obligations survive termination of these Terms and your use of the Platform.
22. TERM AND TERMINATION
22.1 Term
These Terms are effective upon your first access to the Platform and remain in full force until terminated.
22.2 Termination by User
You may request termination of your account at any time by contacting us at info@seidmanfinancial.com. Termination does not relieve you of any obligations that accrued prior to termination, including indemnification and payment obligations. Termination does not entitle you to a refund of any fees paid.
22.3 Termination by Company
The Company may suspend or permanently terminate your access to the Platform and your account at any time, with or without cause or notice, including upon any actual or suspected violation of these Terms, any applicable law, or any direction of a law enforcement or regulatory authority. The Company is not liable to you or any third party for any suspension or termination.
22.4 Effect of Termination
Upon termination, your right to access and use the Platform and all Course Content immediately ceases. The Company may, but is not obligated to, retain or delete your content and account data in accordance with the Privacy Policy. CPE credit records will be retained as required by NASBA regulations regardless of account termination. The following Sections survive termination and remain in full force: Sections 2, 6.2, 7.2, 7.3, 7.4, 7.5, 8, 10, 12, 13, 14, 17.2, 19, 20, 21, 22.4, 23, 24, 25, 26, 27, and 28.
23. GOVERNING LAW, MANDATORY ARBITRATION, AND DISPUTE RESOLUTION
READ CAREFULLY: THIS SECTION CONTAINS A MANDATORY BINDING INDIVIDUAL ARBITRATION AGREEMENT AND A CLASS ACTION WAIVER. IT AFFECTS YOUR LEGAL RIGHTS. PLEASE READ IT CAREFULLY.
23.1 Governing Law
These Terms and all matters arising out of or relating to them or your use of the Platform shall be governed by and construed under the internal laws of the State of Illinois, without reference to its conflict-of-law provisions or the United Nations Convention on Contracts for the International Sale of Goods.
23.2 Informal Dispute Resolution — Mandatory Pre-Condition
Before initiating any formal legal proceeding, you agree to provide the Company with written notice of your dispute by email to info@seidmanfinancial.com, describing in reasonable detail: (a) the nature and basis of the claim; (b) the specific relief sought; and (c) your full contact information. The parties agree to negotiate in good faith to resolve the dispute for a period of sixty (60) calendar days from receipt of such notice (the “Informal Resolution Period”). If the dispute is not resolved within the Informal Resolution Period, either party may initiate arbitration as provided below. Compliance with this Section is a mandatory prerequisite to any arbitration or litigation, except for requests for emergency injunctive relief.
23.3 Mandatory Binding Individual Arbitration
EXCEPT AS PROVIDED IN SECTION 23.5, ALL DISPUTES, CONTROVERSIES, OR CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS, THE PLATFORM, OR YOUR RELATIONSHIP WITH THE COMPANY—INCLUDING DISPUTES REGARDING THE INTERPRETATION, FORMATION, PERFORMANCE, BREACH, TERMINATION, OR VALIDITY OF THESE TERMS—SHALL BE RESOLVED EXCLUSIVELY BY FINAL AND BINDING INDIVIDUAL ARBITRATION, AND NOT IN COURT. YOU AND THE COMPANY EACH WAIVE THE RIGHT TO A TRIAL BY JURY IN CONNECTION WITH ANY DISPUTE.
Arbitration shall be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules or Commercial Arbitration Rules (as applicable), as then in effect, and applying Illinois substantive law. The arbitration shall be conducted on an entirely confidential basis. Unless otherwise agreed, the arbitration shall be conducted (i) in Cook County, Illinois, if in person or hybrid; or (ii) via videoconference, at the Company’s election. The arbitrator’s award shall be in writing with reasons, shall be final and binding, and may be entered as a judgment in any court of competent jurisdiction.
Unless the arbitrator finds a claim frivolous: (i) each party shall bear its own attorneys’ fees and costs; (ii) AAA filing fees shall be split equally unless applicable AAA rules or law require otherwise; (iii) the Company shall pay all AAA administrative fees and arbitrator compensation for claims not exceeding $10,000, unless the arbitrator finds the claim frivolous. If the arbitrator finds a claim frivolous or brought in bad faith, the arbitrator may award attorneys’ fees and costs to the prevailing party.
23.4 Class Action and Collective Action Waiver
YOU AND THE COMPANY EACH AGREE THAT ALL CLAIMS AND DISPUTES MUST BE BROUGHT IN YOUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF, CLASS MEMBER, OR PARTICIPANT IN ANY PURPORTED CLASS ACTION, CLASS ARBITRATION, MASS ARBITRATION, COLLECTIVE ACTION, CONSOLIDATED ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY CLASS, MASS, OR REPRESENTATIVE PROCEEDING. IF THIS WAIVER IS FOUND UNENFORCEABLE FOR ANY REASON, THE ENTIRETY OF SECTION 23.3 SHALL BE DEEMED VOID AND OF NO FORCE OR EFFECT, AND THE CLAIM OR DISPUTE SHALL BE RESOLVED IN COURT AS PROVIDED IN SECTION 23.6.
23.5 Exceptions to Arbitration
Notwithstanding Section 23.3, either party may, without first engaging in informal resolution under Section 23.2: (i) seek emergency provisional or temporary injunctive relief from a court of competent jurisdiction in Illinois to prevent irreparable harm pending the outcome of arbitration; (ii) bring an individual claim in a small claims court of competent jurisdiction, provided the claim remains in small claims court; or (iii) bring any claim relating to the infringement or misappropriation of intellectual property rights.
23.6 Venue for Non-Arbitrable Claims
For any dispute not subject to arbitration under these Terms, including any claim that proceeds after the class action waiver in Section 23.4 is found unenforceable, you irrevocably consent to the exclusive personal jurisdiction and venue of the state courts of Cook County, Illinois, or the U.S. District Court for the Northern District of Illinois, and you waive all objections to the exercise of jurisdiction and venue by such courts.
23.7 Limitation on Time to File Claims
ANY CAUSE OF ACTION OR CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. ANY CLAIM NOT COMMENCED WITHIN THIS PERIOD IS PERMANENTLY AND IRREVOCABLY BARRED, REGARDLESS OF ANY STATUTE OF LIMITATIONS TO THE CONTRARY. THIS LIMITATION APPLIES TO ALL CLAIMS REGARDLESS OF FORM, INCLUDING CONTRACT, TORT, AND STATUTORY CLAIMS.
23.8 Confidentiality of Proceedings
The existence and content of any arbitration proceeding between you and the Company, including any award, shall be kept strictly confidential and may not be disclosed by either party to any third party except as required by applicable law or to enforce an award.
24. ANTI-DISCRIMINATION AND EQUAL ACCESS
The Company is committed to a welcoming, inclusive, and non-discriminatory professional learning environment. Conduct by any User that the Company determines to be discriminatory, harassing, or hostile toward other Learners, instructors, Content Creators, Sponsors, or Company personnel on the basis of any characteristic protected by applicable law will result in immediate account suspension and/or permanent termination, and may be referred to appropriate authorities. The Company complies with all applicable federal and Illinois anti-discrimination statutes.
25. FORCE MAJEURE
The Company shall not be in default or liable for any failure or delay in performance of its obligations under these Terms arising from events beyond the Company’s reasonable control, including: acts of God; natural disasters; fire; flood; epidemic or pandemic; government actions or orders; war or acts of terrorism; strikes or labor disputes; internet or telecommunications failures; power outages; cyber attacks or malicious third-party interference; or any other event of force majeure. The Company’s obligations will be suspended for the duration of such event.
26. EXPORT CONTROLS AND SANCTIONS COMPLIANCE
You represent and warrant that: (i) you are not located in a country subject to a U.S. government embargo or that has been designated by the U.S. government as a “terrorist supporting” country; (ii) you are not listed on any U.S. government list of prohibited or restricted parties, including the U.S. Treasury Department’s Specially Designated Nationals list or the U.S. Commerce Department’s Denied Persons List; and (iii) you will not use the Platform in violation of any applicable U.S. export control laws or regulations or any sanctions administered by the Office of Foreign Assets Control (OFAC).
27. ELECTRONIC COMMUNICATIONS
By using the Platform, you consent to receive electronic communications from the Company, including via email and Platform notifications. You agree that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing to the extent permitted by applicable law. Electronic records created in connection with your use of the Platform constitute valid and legally binding records.
28. GENERAL PROVISIONS
28.1 Entire Agreement
These Terms, together with our Privacy Policy at www.seidmanfinancial.com/privacy-policy, any applicable corporate training agreement, Sponsorship Agreement, and any additional terms applicable to specific Programs, constitute the entire agreement between you and Seidman Financial with respect to the Platform and supersede all prior and contemporaneous understandings, agreements, representations, and warranties.
28.2 Severability
If any provision of these Terms is held by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it enforceable, or if it cannot be so modified, it shall be severed. All remaining provisions shall continue in full force.
28.3 Waiver
No failure or delay by the Company to enforce any right or provision under these Terms shall constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized Company representative.
28.4 Assignment
You may not assign, transfer, delegate, or sublicense any of your rights or obligations under these Terms without the Company’s prior written consent. Any attempted assignment in violation of this Section is void. The Company may freely assign these Terms and its rights and obligations hereunder, without consent, to: (i) an affiliate or subsidiary; (ii) a successor entity by merger, acquisition, or sale of all or substantially all assets; or (iii) any other entity in the Company’s sole discretion.
28.5 No Third-Party Beneficiaries
These Terms are for the sole and exclusive benefit of the parties and their respective permitted successors and assigns. Nothing in these Terms is intended to confer upon any other person or entity any legal or equitable right, benefit, or remedy.
28.6 Independent Contractor
Nothing in these Terms creates any partnership, joint venture, agency, franchise, sales representative, fiduciary, or employment relationship between you and the Company. You have no authority to make or accept any offer or representation on behalf of the Company.
28.7 Headings
Section headings are for convenience and reference only and shall not affect the interpretation or construction of these Terms.
28.8 Notices
All notices to the Company required or permitted under these Terms shall be in writing and delivered by email to info@seidmanfinancial.com (with read receipt requested) or by U.S. certified mail, return receipt requested, to the Company’s principal business address. Notices to you will be sent to the email address associated with your account or posted to the Platform.
28.9 Injunctive Relief
You acknowledge that any actual or threatened breach of Sections 9, 11, 13, or 14 of these Terms may cause irreparable harm to the Company for which monetary damages would be an inadequate remedy. Accordingly, the Company shall be entitled to seek emergency or permanent injunctive relief, without bond and without prejudice to any other rights or remedies, in any court of competent jurisdiction.
28.10 Accessibility
The Company is committed to making the Platform accessible to individuals with disabilities. If you experience difficulty accessing any feature, please contact us at info@seidmanfinancial.com and we will work with you to provide reasonable accommodation.
29. CONTACT INFORMATION
The Platform is operated by Seidman Financial, organized and operating under the laws of the State of Illinois.
- General Inquiries / Technical Support: info@seidmanfinancial.com
- DMCA / Copyright Notices: info@seidmanfinancial.com
- Legal / Compliance Notices: info@seidmanfinancial.com
- Website: www.seidmanfinancial.com
ACKNOWLEDGMENT AND AGREEMENT
BY REGISTERING FOR, ENROLLING IN, ACCESSING, OR USING THIS PLATFORM IN ANY MANNER, YOU REPRESENT THAT YOU HAVE READ THESE TERMS OF USE IN THEIR ENTIRETY, UNDERSTOOD THEM, AND AGREE TO BE LEGALLY BOUND BY THEM—INCLUDING THE MANDATORY BINDING ARBITRATION PROVISION AND CLASS ACTION WAIVER IN SECTION 23—EFFECTIVE AS OF THE DATE OF YOUR REGISTRATION, ENROLLMENT, OR FIRST ACCESS, WHICHEVER OCCURS FIRST.
