Last Updated: November 2018
Ripe Insights LLC (“Ripe Insights”, “we”, “us” and terms of similar meaning) provides this website (in these Terms we call this website and any successor websites, the “Site”) and the products and Services (individually and collectively, the “Services”) found at this Site, to you subject to these Terms and Conditions of Use (these “Terms”). If you are agreeing to these Terms on behalf of a corporate entity, you represent and warrant that you have the legal authority to bind such corporate entity to these Terms, in which case the Terms “you”, “your”, “User” or “Customer” shall refer to such corporate entity. Nothing in these Terms shall be deemed to confer any third-party rights or benefits. Please read these Terms carefully before using the Site. By accessing or using the Site or by merely browsing the Site you agree to be legally bound by these Terms and all terms, policies and guidelines incorporated by reference in these Terms. If you do not agree with these Terms in their entirety, you may not use the Site.
Use of the Site
The Services we provide through the Site are for your own use only. You may not resell, lease or provide them in any other way to anyone else.
Registration Data, Account Security
Fees and Charges
Fees and any other charges for the use of the Site and Services are described on the Site. You agree to pay any and all prices and fees due for all Services purchased at this Site at the time you order the Services. All prices and fees are non-refundable unless otherwise expressly noted. Prices may change from time to time. If we change them, we will give you at least 30 days’ notice. If they do change, your continued use of the Site or Services after the change indicates your agreement with the new fees and charges after the effective date of the change. Any change to fees and other charges will not be applicable to the billing period in which the change occurs. Payment for purchased Services shall be made by valid payment method (acceptable to Ripe Insights) at the time of purchase at the fee set forth on the Site. Any recurring payments for Service shall be automatically charged to the credit card provided by you (and acceptable to Ripe Insights) at the time of your purchase (with such payments being charged in advance, as applicable) each month or annually, as applicable and you hereby agree that Ripe Insights is authorized to so charge the payment method on file.
In addition to recurring service fees, Ripe Insights may charge set up fees and other one-time fees for any of the Services (“One-time Fees”). All One-time Fees shall be charged to the payment method provided by you (and acceptable to Ripe Insights) at the time of your purchase, and you hereby agree that Ripe Insights is authorized to so charge the payment method provided by you. Ripe Insights, in its sole discretion, shall determine the prices it will charge for all One-time Fees. If you believe that the billing or invoice is incorrect, you must contact us within 60 days of the billing period start date to be eligible to receive an adjustment or credit. Your account is considered delinquent (in arrears) if full payment is not received by the billing period start date. If your account is delinquent for 30 days, we will deactivate your account. Deactivated accounts are not deleted – they are placed in storage and can be restored. We will notify you by email or phone if we decide to deactivate your account. If after your account has been deactivated, it stays delinquent and we don’t hear from you, we may terminate it at any time and without notice. You and Ripe Insights may terminate these Terms and your use of the Site at any time. If you terminate your use of the Site you must pay the fees applicable for the balance due on your account.
Ownership, Copyright and Trademarks
The content on the Site and Services, including all information, data, logos, marks, designs, graphics, pictures, sound files, other files, and their selection and arrangement, is called “Content”. Content provided by Users is called “User Content”. For example, data about its Customers that a Subscriber provides to the Site is User Content of that Subscriber, data about its accounts that a Customer provides to the Site is User Content of that Customer, and Content that a User enters into the Ripe Insights forum or enters as a comment on the Ripe Insights blog is User Content of the User.
User Content is that User’s property, except to the extent that User’s Content is subject to Broker Dealers/Investment Advisors books and records regulatory requirements, including, but not limited to; SEC Books and Records requirements, Rule 17a-3 and 17a-4; FINRA Books, Records and Reports requirements – Rule 4500; SEC Rule 204-2 of the Investment Advisors Act; MSRB Rules G-8 and G-9 (collectively, “Books and Records Requirements”). If you are a registered representative and/or an investment advisory representative, your access to your Content may be restricted upon your termination from that Firm based upon the ownership interests of the Firm or other individuals registered with that Firm, and in accordance with the applicable privacy and books and records regulatory requirements. Ripe Insights’ right to User Content described in the Section: LICENSE OF YOUR USER CONTENT TO RIPE INSIGHTS.
The Site is made available through agreements with certain Broker/Dealers or Registered Investment Advisors (“Firm”). Certain Firms have entered into agreements with Ripe Insights that allow you to enter into your User Agreement and to access and use the Ripe Insights Site. Firms may assert ownership interests in materials posted with Ripe Insights, and may require that Ripe Insights enter into agreements that restrict your ability to access information generated while you are with that Firm, after you terminate your affiliation with the Firm. Ripe Insights will enforce these agreements as directed by the Firm, solely as a ministerial function and does not make decisions as to the actual ownership of the User Content. Please consult with your Firm on any restrictions that you may have that restrict your access to User Content upon your termination with the Firm. Other than the User Content, the Site, the Services, all Content and all software available on the Site or used to create and operate the Site are the property of Ripe Insights or its licensors, and are protected by US and international copyright and other intellectual property laws, and all rights to the Site, such Content and such software are expressly reserved. All trademarks, registered trademarks, product names and company names or logos mentioned in the Site are the property of their respective owners. Reference to any products, Services, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by Ripe Insights.
You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, and forms) of Ripe Insights without the prior written consent of Ripe Insights. You may not use any metatags or any other “hidden text” utilizing our name, trademarks, service marks, or trade names without the prior written consent of Ripe Insights. You may not use our names, trademarks, service marks, trade names, logos, slogans, or proprietary graphics as any part of a link without the prior written consent of Ripe Insights. Any unauthorized use terminates any license or permission granted by Ripe Insights. Except as expressly stated above, nothing contained herein shall be construed as granting, by implication, estoppel or otherwise, any license or right to the content of the Site.
All Ripe Insights trademarks, service marks, trade names, logos, slogans, and other identifying marks appearing on the Site are the sole and exclusive property of Ripe Insights. You may not copy or use any of Ripe Insights’ marks or any marks confusingly similar to Ripe Insights’ marks without the prior written consent of Ripe Insights, nor may you use Ripe Insights’ marks in any manner that discredits or disparages Ripe Insights. All other trademarks not owned by Ripe Insights that appear on the Site are the property of the respective owners, who may or may not be affiliated with, connected to, or sponsored by Ripe Insights.
Your User Content is your responsibility. We have no responsibility or liability for it, or for any loss or damage your User Content may cause to other people. You represent and warrant that you have all necessary rights to the User Content and that User’s use and/or display of the User Content will not violate any third party intellectual property right. Although we have no obligation to do so, we have the absolute discretion to remove, screen or edit without notice any User Content posted or stored on the Site, and we may do this at any time and for any reason. You are solely responsible for maintaining copies of and replacing any User Content you post or store on the Site.
License of Your User Content to Ripe Insights
We do not claim any ownership interest in your User Content, but we do need the right to use your User Content to the extent necessary to operate the Site, and provide the Services provided by the Site, now and in the future. For example, if you leave comments on the Ripe Insights blog or posts on the Ripe Insights forum, we need your license to display that User Content on the Site and in Services, and we need the right to sublicense that User Content to our other Users so that they can view that User Content. If you are a Subscriber and enter activity data in relation to a Customer and configure your account to display activity data to your Customers, we need your license to that User Content to use it in the operation of the Site, and we need the right to sublicense that User Content to your Customers for that purpose.
Therefore, by posting or distributing User Content to or through the Site or Services, you (a) grant Ripe Insights and its affiliates and subsidiaries a non-exclusive, royalty-free, transferable right to use, display, perform, reproduce, distribute, publish, modify, adapt, translate, and create derivative works from such User Content on the Site, in the manner in and for the purposes for which the Site from time to time uses such User Content; (b) represent and warrant that (i) subject to the applicable Books and Records Requirements or ownership rights of third parties including your broker/dealer or investment advisor, you own and control all of the rights to the User Content that you post or otherwise distribute, or you otherwise have the lawful right to post and distribute that User Content, to or through the Site; and (ii) the use and posting or other transmission of such User Content does not violate these Terms and will not violate any rights of or cause injury to any person or entity. If your User Content is intended for the use of other Users, you also grant us and our affiliates and subsidiaries a non-exclusive, royalty-free, transferable right to sublicense such User Content to such Users for their use in connection with their use of the Site, as described in this Section. These licenses from you are non-exclusive because you have the right to use your User Content elsewhere. They are royalty-free because we are not required to pay you for the use of your User Content on the Site. And they are transferable because we need the right to transfer these licenses to any successor operator of the Site. Our rights to “modify, adapt, translate, and create derivative works from” are necessary because the normal operation of the Site does this to your User Content when it processes it for use in the Site.
When your Ripe Insights account is terminated, your User Content will shortly thereafter not appear on the Site, except for User Content submitted to our forum or comments on our blog, which may remain on the Site after termination. We may also retain an archival copy of your User Content after termination, and you hereby grant us a non-exclusive, perpetual, irrevocable license to maintain such archival copy for our internal business purposes.
Our License of Content to You
Ripe Insights grants you a limited, revocable, non-exclusive, non-sublicensable license to access the Site and to view, copy and print the portions of the Content available to you on the Site. Such license is subject to these Terms, and specifically conditioned upon the following: (i) you may only view, copy and print such portions of the Content for your own use; (ii) you may not modify or otherwise make derivative works of the Site or the Content, or reproduce, distribute or display the Site or any Content (except for page caching) except as expressly permitted in these Terms; (iii) you may not remove or modify any copyright, trademark, or other proprietary notices that have been placed in the Content; (iv) you may not use any data mining, robots or similar data gathering or extraction methods; (v) you may not use the Site or the Content other than for its intended purpose; and (vi) you agree not to circumvent, disable or otherwise interfere with the security-related features of this Site or the Services found at this Site (including without limitation, those features that prevent or restrict the use or copying of any Content).
Except as expressly permitted above, any use of any portion of the Content without the prior written permission of its owner is strictly prohibited and will terminate the license granted in this Section, this Agreement and your account with us. Any such unauthorized use may also violate applicable laws, including without limitation copyright and trademark laws. Unless explicitly stated herein, nothing in these Terms may be construed as conferring any license to intellectual property rights, whether by estoppels, implication or otherwise. The license in this Section is revocable by Ripe Insights at any time.
You represent and warrant that your use of the Site and the Content will be consistent with this license and will not infringe or violate the rights of any other party or breach any contract or legal duty to any other parties, or violate any applicable law.
To request permission for uses of Content not included in this license, you may contact Ripe Insights at the address set out at the bottom of these Terms.
Use of Interactive Areas and the Site
The Site may contain discussion forums, bulletin boards; review Services or other forums in which you or third parties may post reviews or other content, messages, materials or other items on the Site (“Interactive Areas”). If Ripe Insights provides such Interactive Areas, you are solely responsible for your use of such Interactive Areas and use them at your own risk. User Content submitted to any public area of the Site will be considered non-confidential. By using any Interactive Areas, you expressly agree not to post, upload to, transmit, distribute, store, create or otherwise publish through the Site any of the following:
– Any message, data, information, text, music, sound, photos, graphics, code or other material that is unlawful, libelous, defamatory, obscene, pornographic, indecent, lewd, suggestive, harassing, threatening, invasive of privacy or publicity rights, abusive, inflammatory, fraudulent or otherwise objectionable;
– Content that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or that would otherwise create liability or violate any local, state, national or international law;
– Content that may infringe any patent, trademark, trade secret, copyright or other intellectual or proprietary right of any party;
– Content that impersonates any person or entity or otherwise misrepresents your affiliation with a person or entity;
– Unsolicited promotions, political campaigning, advertising or solicitations;
– Private information of any third party, including, without limitation, addresses, phone numbers, email addresses and credit card numbers, unless that third party has expressly consented to such use, or such information is publicly available;
– Viruses, corrupted data or other harmful, disruptive or destructive files;
– Content that is unrelated to the topic of the Interactive Area(s) in which such Content is posted; or
– Content that, in the sole judgment of Ripe Insights, is objectionable or which restricts or inhibits any other person from using or enjoying the Interactive Areas or the Site, or which may expose Ripe Insights or its affiliates or its Users to any harm or liability of any type.Finally, Ripe Insights has a “zero-tolerance” policy towards SPAM: you may not use the Interactive Areas or the Site generally to send commercial or other messages to any third-party if those messages are not solicited, authorized or welcomed by the third-party, and in your use of the Site you must comply with all applicable laws, including laws that apply in any jurisdiction to SPAM and marketing practices, and with any applicable marketing association guidelines on ethical marketing practices.
Any use of the Interactive Areas or other portions of the Site in violation of the foregoing violates these Terms and may result in, among other things, termination or suspension of your rights to use the Interactive Areas and/or the Site.
Providing a Reliable and Secure Service
If you have spent any time reviewing the Site, you will hopefully have noticed that we take reliability and security seriously. We put a great deal of effort into ensuring that our service operates all the time and that it is a secure environment for your data. We use what we believe to be “best-of-class” hosting Services and Security Technologies that we believe provide you with a secure and safe environment. More information about these Services and technologies is available on the Site.
To safeguard your information, Ripe Insights uses restrictive firewalls to protect stored data and uses a minimum of 128 bit SSL certificates to encrypt data transferred between you and the Site.
However, no system is perfectly secure or reliable, the internet is an inherently insecure medium, and the reliability of hosting Services, internet intermediaries, your internet service provider, and other service providers cannot be assured. When you use Ripe Insights, you accept these risks, and the responsibility for choosing to use a technology that does not provide perfect security or reliability.
Links to Other Sites
The Site may contain links to third-party websites (“Third-Party Sites”) and third-party content (“Third-Party Content”) as a service to those interested in this information. Third-Party Sites include payment processors and other payment intermediaries that you may use in connection with your use of the Site. Your use of links to Third-Party Sites, and any Third-Party Content or service provided there at your own risk. Ripe Insights does not monitor or have any control over, and makes no claim or representation regarding Third-Party Content or Third-Party Sites. Ripe Insights provides these links only as a convenience, and a link to a Third-Party Site or Third-Party Content does not imply Ripe Insights’ endorsement, adoption or sponsorship of, or affiliation with, such Third-Party Site or Third-Party Content. Ripe Insights accepts no responsibility for reviewing changes or updates to, or the quality, content, policies, nature or reliability of, Third-Party Content, Third-Party Sites, or websites linking to the Site. When you leave the Site, our Terms and Policies no longer govern. You should review applicable Terms and Policies, including privacy and data gathering practices of any Third-Party Site and should make whatever investigation you feel necessary or appropriate before proceeding with any transaction with any third party.
Advertisements and Promotions
Ripe Insights may run advertisements and promotions from third parties on the Site and through the Services. Your business dealings or correspondence with, or participation in promotions of, advertisers other than Ripe Insights, and any terms, conditions, warranties or representations associated with such dealings, are solely between you and such third party. Ripe Insights is not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of third-party advertisers on the Site or through the Services.
The Site, the Content and the Services provided by the Site are provided to you on an “as is” basis without warranties from Ripe Insights of any kind, either express or implied. Ripe Insights expressly disclaims all other warranties, express or implied, including without limitation implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. Ripe Insights does not represent or warrant that Site, Services or Content are accurate, uninterrupted, free of viruses or other harmful components, complete, reliable, current or error-free, and expressly disclaims any warranty or representation as to the accuracy or proprietary character of the Site, the Services or the Content or any portion thereof.
Limitation of Liability
In no event shall Ripe Insights be liable for any breach in security caused by a third party arising out of or relating to any attempt to utilize any feature of the Site or any Services. In no event shall Ripe Insights, its vendors or any other entity affiliated with Ripe Insights be liable for any direct, indirect, incidental, special or consequential damages (including but not limited to damages for lost profits, lost data, or loss of use) arising out of or relating to use of or inability to use the Site, any Service, or any information contained within the Site or stored or maintained by Ripe Insights. This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if Ripe Insights has been advised of the possibility of such damages. Because some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, the liability of Ripe Insights in such jurisdictions shall be limited to the maximum extent permitted by law.
In no event shall the total liability of Ripe Insights, its parent, subsidiaries, or affiliates or their respective officers, directors, employees, agents, successors, subsidiaries, divisions, distributors, suppliers, or affiliates, to you for all damages, losses, and causes of action resulting from your use of this Site or any Service, whether in contract, tort (including, but not limited to, negligence) or otherwise, exceed the amount you paid to Ripe Insights in connection with the applicable event, or purchase giving rise to such liability. Without limiting the foregoing, in no event shall Ripe Insights, its parent, subsidiaries or affiliates or their respective officers, directors, employees, agents, successors, subsidiaries, divisions, distributors, suppliers, or affiliates, have any liability for any damages or losses arising out of or otherwise incurred in connection with the loss of any data or information contained in your account or otherwise stored by or on behalf of Ripe Insights.
You shall defend, indemnify and hold harmless Ripe Insights, its affiliates or subsidiaries, their sponsors, contractors, advertisers, vendors or their partners, and any of their successors or assigns, and any of their respective officers, directors, agents or employees (the “Released Parties”) from any loss, damages, liabilities, costs, expenses, claims and proceedings arising out of or relating to: (A) your or your Customer’s use of the Site, the Services or the Content; and (B) any alleged breach of these Terms by you.
We make no representation that information on this Site is appropriate or available for use outside the United States. Those who choose to access this Site from outside the United States do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable and agree to indemnify Ripe Insights and the other Released Parties for your failure to comply with any such laws.
Policy for Making Claims of Copyright Infringement
If you believe that any content has been posted on the Site in a manner that constitutes copyright infringement, please notify us by providing our designated Copyright Agent with the written information specified below:
– A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
– A description of the copyrighted work(s) claimed to have been infringed;
– A description of the material on the Site that is claimed to be infringed or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;
– Information reasonably sufficient to permit us to contact you, such as your address, telephone number and e-mail address;
– A statement by you that you have a good faith belief that the use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law;
– A statement by you that the information in your notice to us is accurate and, under penalty of perjury, that you are authorized to act on behalf of the owner of the exclusive right that is allegedly infringed.
– For Ripe Insights’ designated Copyright Agent for notice of claims of copyright infringement contact the Compliance Department via email at Jordan.email@example.com
Applicable Law and Venue
The Site is controlled by Ripe Insights and operated by it from its offices in Denver, Colorado. You and Ripe Insights both benefit from establishing a predictable legal environment in regard to the Site. Therefore, you and Ripe Insights explicitly agree that all disputes, claims or other matters arising from or relating to your use of the Site will be governed by the laws of the State of Colorado and the federal laws of the United States of America applicable therein. You hereby waive any argument that any such court does not have jurisdiction over you or such dispute or that venue in any such court is not appropriate or convenient. Ripe Insights will be entitled to recover its court costs and reasonable attorneys’ fees and expenses incurred in successfully proving any breach of any term of these Terms.
If any provision of these Terms shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions. Ripe Insights may assign any or all of its rights hereunder to any party without your consent. You are not permitted to assign any of your rights or obligations hereunder without the prior written consent of Ripe Insights, and any such attempted assignment will be void and unenforceable. These Terms constitute the entire agreement between you and Ripe Insights regarding your use of the Site, and supersede all prior or contemporaneous communications whether electronic, oral or written between you and Ripe Insights regarding your use of the Site. Ripe Insights in its sole discretion may amend these Terms, and your use of the Site and Services after such amendment is posted on the Site will constitute acceptance of it by you. If any term in these Terms is declared unlawful, void or for any reason unenforceable by any court, then such term will be deemed severable from the remaining Terms and will not affect the validity and enforceability of such remaining terms. The Section headings in these Terms are for convenience only and must not be given any legal import.
This Site may contain typographical errors or inaccuracies and may not be complete or current. On the Site some products may appear larger or smaller than their actual size. Ripe Insights therefore reserves the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice. Please note that such errors, inaccuracies or omissions may relate to pricing and availability, and we reserve the right to cancel or refuse to accept any order placed based on incorrect pricing or availability information. We apologize for any inconvenience. All Sections representation or warranty you make in these Terms, shall survive indefinitely, or as permitted by law.
Questions and Comments
If you have any questions regarding these Terms or your use of the Site, please contact us here:
Ripe Insights LLC
3602 Perry Street
Denver, CO 80212
Copyright © 2019, Ripe Insights LLC
All rights reserved.