Terms

Introduction

VistaMoney LLC ("VistaMoney") maintains http://vistamoney.com/ and its related sites (collectively the "VistaMoney website") for your information, reference and entertainment. Please feel free to browse, download from, contact us and otherwise use the site. At the same time, please remember that your access to the VistaMoney website is subject to the following rules (the "Rules") as well as all applicable laws.

By accessing and using the VistaMoney website, you accept and agree to the Rules without limitation or qualification, and acknowledge that any other agreements you may have with VistaMoney are superseded by the Rules, to the extent any conflict exists.

VistaMoney may at any time revise these Rules by updating this posting. You are bound by such revisions and should therefore visit this page to review the current Rules from time to time.

VistaMoney reserves the right, without notice and for any reason, to remove any content on this site, and to deny access of any user or users to all or any part of this site.

Use of the Site

Unless otherwise specifically indicated, you may download material displayed on the VistaMoney website for personal, non-commercial use only and you may not distribute, modify, transmit, use, or reuse any of the contents of the VistaMoney website for any public or commercial purpose without the written consent of VistaMoney or any third party VistaMoney deems necessary. You must retain all copyright and other proprietary notices on downloaded and/or copied material. Any copy of material from the VistaMoney website you make and distribute for any purpose must also include these Rules.

You may not access or use the VistaMoney website in any way that could or is intended to damage or impair the VistaMoney website, or any server or network underlying the VistaMoney website, or interfere with anyone else's use and enjoyment of the VistaMoney website.

Copyrights, Other Rights

You should assume that everything on the VistaMoney website is copyrighted unless otherwise noted and that it must not be used except as provided in the Rules or with the express written consent of VistaMoney or any third party VistaMoney deems necessary. VistaMoney NEITHER WARRANTS OR REPRESENTS THAT YOUR USE OF THE MATERIAL DISPLAYED ON THE VistaMoney WEBSITE WILL NOT INFRINGE RIGHTS OF THIRD PARTIES. Any product, service, program, or technology described on the VistaMoney website may be the subject of other intellectual property rights (including but not limited to copyright, trademark, or patent rights) owned by VistaMoney. Any such right that is not expressly licensed herein is reserved by VistaMoney.

Images of people or places displayed on the VistaMoney website are either the property of, or used with permission by, VistaMoney. Use of these images by you or other third parties is prohibited unless expressly permitted in the Rules or elsewhere on the VistaMoney website. Any unauthorized use of these images may violate copyright laws, trademark laws, the laws of privacy and publicity, and other applicable regulations and statutes.

Any product, service, program or technology described in any document published by VistaMoney on this site may be the subject of other intellectual property rights owned by VistaMoney. Any such right that is not expressly licensed hereunder is reserved by VistaMoney.

The trademarks, logos, and service marks (collectively the "Trademarks") displayed on the VistaMoney website are registered and unregistered Trademarks of VistaMoney and others. Nothing contained on the VistaMoney website should be construed as granting by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the VistaMoney website without the written permission of VistaMoney or such third party that may own the Trademark. Misuse of any Trademarks, or any other content, displayed on the VistaMoney website is prohibited. VistaMoney aggressively enforces its intellectual property rights, including via civil and criminal proceedings.

Submissions

Apart from your personal information (which is addressed in the Privacy Policy), any communication or material you send to the VistaMoney website, electronically or otherwise, including but not limited to data, questions, comments, suggestions, or submissions is and will be treated as non-confidential and non-proprietary. Anything you send to the VistaMoney website may be used by VistaMoney for any purpose including but not limited to modification, reproduction, transmission, disclosure, publication, broadcast, and posting.

By submitting material to the VistaMoney website, you irrevocably transfer and assign to VistaMoney, and forever waive and agree never to assert, any copyrights, "moral" rights, rights of publicity or to privacy, or other intellectual-property or proprietary rights that you may have in such material. VistaMoney is free to use, without obligation of any kind, any ideas, concepts, techniques, or know-how contained in any communication you send to the VistaMoney website for any purpose whatsoever, including but not limited to developing, manufacturing, and marketing products and services.

By using this site, you may submit, or VistaMoney may gather, certain limited information about you and your usage of the site. Subject to the terms of the Privacy Policy, VistaMoney is free to use such information for any purpose it deems appropriate.

No Warranties and Limitation of Liability

To the maximum extent permissible by applicable law, VistaMoney disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose. There is no warranty that any information or service provided or referenced by this site is either accurate, that such information or service will fulfill any of your particular purposes or needs, or that such information or service does not infringe on any third party rights. Except for any express warranties stated on this site, if any, the information and services provided or referenced on this site are provided "as is," "as available," and with all faults, and the entire risk as to satisfactory quality, performance, accuracy and effort is with the user.

So while VistaMoney may use reasonable efforts to include accurate and up-to-date information on the VistaMoney website, VistaMoney makes no warranties or representations as to its accuracy, timeliness, or completeness. VistaMoney may periodically add, change, or improve any of the information, products, services, programs, and technology described on the VistaMoney website without notice. VistaMoney assumes no liability or responsibility for any errors or omissions in the content of the VistaMoney website.

In fact, your use of the VistaMoney website is at your own risk. To the maximum extent allowed by law, neither VistaMoney nor any other party involved in creating, producing, or delivering the VistaMoney website is liable for any direct, indirect, incidental, consequential, or punitive damages, however caused, arising out of your access to, use of, or reliance on the VistaMoney website, even if VistaMoney has been advised of the possibility of such damages. For example, VistaMoney assumes no responsibility for, and will not be liable for any damages to or any viruses which may affect your computer equipment or other property on account of your access to, use of, or downloading from, the VistaMoney website. Please note that some jurisdictions may restrict or disallow the exclusion of implied warranties or limitations of liability, so some of the above exclusions and limitations may not apply to you.

Other Agreements

Your use of the VistaMoney website, or certain features or information provided through the VistaMoney website, may be subject to additional agreements apart from the Rules.

Links

VistaMoney has not reviewed all of the sites which are linked to or from the VistaMoney website, and the fact of such links does not indicate any approval or endorsement of any material contained on any linked site. VistaMoney is not responsible for the contents of any site linked to or from the VistaMoney website; and your connection to any such linked site is at your own risk.

International Information

Most of the information on the VistaMoney website applies internationally, but a significant amount of information applies only to certain countries or regions. Although VistaMoney tries to mark all country- and region-specific information with a country indication, it does not warrant or represent that all information without indication applies internationally. You should check the applicability of any information on this site to you or your organization.

Legal Information

The Rules will be governed by and construed under the laws of the local contracting entity, excluding only its conflict of law provisions. Each party to the VistaMoney website Rules hereby submits to the local VistaMoney entity, and waives any jurisdictional, venue, or inconvenient forum objections to such courts.

Any failure by VistaMoney to enforce any of its rights under the Rules or applicable laws shall not constitute a waiver of such right. If any provision of the Rules is found by a court of competent jurisdiction to be invalid, you, VistaMoney, and the court shall endeavor to give effect to the intent reflected in that provision, and the remaining Rules provisions shall retain their full force and effect.

You agree to follow any applicable laws in your use of the VistaMoney website. Among other things, United States and foreign export control laws regulate the export and re-export of technology originating in the United States and such foreign countries. You will abide by these laws and regulations as applicable and will not transfer, directly or indirectly, by electronic transmission or otherwise, any content or software from the VistaMoney website to or from any countries or foreign nationals in violation of such laws or regulations.

Please note that the VistaMoney website is operated by the local VistaMoney entity and not the various financial institutions that issue VistaMoney cards. None of the terms of any agreement between a VistaMoney cardholder and the financial institution that issued his/her card has any effect on or relation to these Site Rules.

Please also read over the VistaMoney website Privacy Policy, which are part of the Rules and which you accept. If you have any questions, comments, or complaints about the VistaMoney website, please feel free to email us at