Terms and Conditions
Effective date: 16th of June, 2023
General Agreement
By using MBI, Inc.’s (MBI's) websites, you agree to these terms and conditions. Please do not use the websites a if you do not agree with these terms and conditions. We may change these terms and conditions and the changes will be posted on this website.
Social Responsibility
You may not post objectionable or offensive content to the website or mobile applications, misuse any information posted to a site, misuse passwords, or use legally protected systems and third-party content without proper authorization.
Information Sharing
MBI may disclose and transfer any information that you provide through this website or mobile applications to: (i) any financial depository institution on whose behalf MBI provides the products, services, and/or accounts to you, and any of our authorized agents or service providers; (ii) any person or entity with your consent; or (iii) if we have a duty or are permitted or compelled by law to disclose such information. You consent to the transmission, transfer or processing of the information you provide on the website and mobile applications to any country. We may monitor, track and record your interactions, patterns, access devices, Internet Protocol addresses, or characteristics when you use this website and the mobile applications and, by your use of this website and the mobile applications, you expressly consent to such monitoring, tracking, and recording.
Disruption of Service
Access to the website or the mobile applications may be unavailable, delayed, limited or slowed due to, among other things:
Hardware failure, including failures of computers, servers, networks, telecommunication lines, and connections, and other electronic and mechanical equipment
Software failure, including bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content
Overload of system capacities
Damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of god, accident, fire, water damage, explosion, mechanical breakdown or natural disasters, interruption of power supplies or other utility of service, strike or other stoppage of labor, governmental or regulatory restrictions, exchange rulings, court or tribunal orders, or other human intervention
Any other cause beyond the control of MBI
Links to other Sites
MBI provides links to non-MBI websites for information on topics that may be useful to you. MBI does not control the content of non-MBI websites. If you link to a website not controlled by MBI, MBI makes no warranties, either express or implied, concerning the content of the site, including the security, accuracy, completeness, reliability, or suitability for any particular purpose. Furthermore, MBI does not warrant that the non-MBI site is free from viruses or other contamination. You should not infer that links to non-MBI sites imply any endorsement of or responsibility for the opinions, ideas, products, representations, information, or services provided at these sites.
Website Content and Materials
The information on the website for information purposes only and MBI does not warrant its completeness, timeliness, or accuracy. MBI may, without advance notice, change the terms and conditions of access to and use of information and materials on the website and the mobile applications. The products and services promoted in this website and the mobile applications, including any associated fees, charges, interest rates, and balance requirements, may differ depending upon the geographic locations. Not all products and services are offered in all states. Certain portions or pages of the website and mobile applications are subject to additional disclosures and disclaimers. By using this website and mobile applications, you will not engage in any activity related to the website and mobile applications that is contrary to applicable law, regulation, or the terms of any agreements you may have with MBI. You agree to limit access to your password or other identifying information to authorized individuals. MBI may discontinue or make changes in the information, products, or services described herein at any time without prior notice to you. Any dated information is published as of its date only. MBI may terminate any website or mobile application offerings or transmissions without prior notice to you.
Sanctioned Countries
You agree not to attempt to log on to the website or any mobile application from any country sanctioned by the Office of Foreign Assets Control (OFAC) of the U.S. Department of the Treasury (Treasury). See Countries Under OFAC Sanctions from the Treasury website. We may block, restrict, or terminate your access to the website or the mobile applications if you attempt to log on to the website or mobile application from an OFAC sanctioned country.
Copyright Protections
The works of authorship contained in the MBI website and mobile applications, including but not limited to all design, text, sound recordings, and images, are owned, except as otherwise expressly stated, by MBI. Except as otherwise expressly stated herein, you may not copy, transmit, display, perform, distribute, license, alter, frame, store for subsequent use, or otherwise use in any manner such works of authorship without MBI's prior written consent, except to the extent permitted by the copyright act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of MBI's proprietary rights provided that you may download information and print out hard copies for your personal use.
Trademark Protections
MBI and the stylized MBI are the marketing names for the retail financial services activities of MBI in the United States. Other featured words or symbols, used to identify the source of goods and services, may be the trademarks of their respective owners.
User Submissions and Feedback
You agree that: (1) any ideas, works, materials, proposals, suggestions, artwork, content or the like, including for advertising campaigns, promotions, products, services, technologies, product enhancements, features, processes, marketing strategies, product names, content or creative materials, or any other information provided by you to MBI (“Submissions”) and their contents along with related intellectual property rights will automatically become the property of MBI, without any compensation or any credit to you; (2) MBI may use or redistribute the Submissions and their contents for any purpose and in any way on an unrestricted basis; (3) there is no obligation for MBI to review the Submissions; and (4) there is no obligation to keep any Submissions confidential. If you want to send feedback to MBI, you agree to provide only specific feedback on MBI's products, services, and marketing strategies using the contact form or another feedback or request form available on or through the website or applications. Any feedback you provide on or through the website and applications will be deemed to be non-confidential and not proprietary. MBI will be free to use and redistribute such information on an unrestricted basis, without any compensation or any credit to you.
LIMITATION OF LIABILITY
THE WEBSITE AND MOBILE APPLICATIONS (INCLUDING ALL INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE AND MOBILE APPLICATIONS) ARE PROVIDED "AS IS" AND "AS AVAILABLE". MBI AND THIRD-PARTY DATA PROVIDERS ARE NOT PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THE WEBSITE OR MOBILE APPLICATIONS AND DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THE WEBSITE AND MOBILE APPLICATIONS, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, OR FITNESS FOR ANY PARTICULAR PURPOSE. FURTHER, MBI WILL NOT BE LIABLE FOR ANY DELAY, DIFFICULTY IN USE, INACCURACY OF INFORMATION, COMPUTER VIRUSES, MALICIOUS CODE OR OTHER DEFECT IN THIS WEBSITE OR THE MOBILE APPLICATIONS, OR FOR THE INCOMPATIBILITY BETWEEN THIS WEBSITE AND THE MOBILE APPLICATIONS AND THE USER'S BROWSER OR OTHER SITE ACCESSING PROGRAM. MBI WILL NOT BE LIABLE FOR ANY OTHER PROBLEMS EXPERIENCED BY THE USER DUE TO CAUSES BEYOND MBI'S CONTROL. MBI AND THIRD-PARTY DATA PROVIDERS DO NOT WARRANT THE ACCURACY, ADEQUACY, OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON THE WEBSITE AND MOBILE APPLICATIONS AND EXPRESSLY DISCLAIM LIABILITY FOR ERRORS OR OMISSIONS IN THE MATERIALS AND INFORMATION.
MBI WILL NOT BE LIABLE FOR ANY LOST PROFITS, LOST OPPORTUNITY, OR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THIS WEBSITE AND THE MOBILE APPLICATIONS OR ANY PORTION THEREOF, REGARDLESS OF WHETHER MBI HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT, (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.
Severability and Governing Law
If any provision of these terms of use are unenforceable, the remaining terms and provisions will be unimpaired. These terms of use are subject to other agreements you have entered into with MBI. The user's access to and use of the website and mobile applications, and these terms and conditions, are governed by the laws of the state of California without regard to its conflicts of laws provisions.
