Terms of Use
Welcome to Indiana State University's (“ISU”) web site, <networksfinancialinstitute.org> (the "Site"). Networks Financial Institute, a not-for-profit organization ("NFI"), is an initiative of the College of Business of ISU. By using the Site, you agree to be bound by the following terms and all applicable laws and regulations. In addition, you agree to indemnify ISU and NFI against any and all claims by third parties arising out of your use of the Site in violation of these Terms and Conditions of Use. If you do not agree to these Terms and Conditions of Use, you are not permitted to use the Site.
Limited License
Everything that you read or see on the Site is copyrighted or otherwise protected and owned by ISU, NFI or a third party who licensed or granted to ISU or NFI the right to use such material. Unless otherwise expressly noted, nothing that you read or see on the Site may be copied or used except as provided in these Terms and Conditions of Use or with the prior written approval of ISU. For permission to reproduce copyrighted materials, contact ISU's Office of Public Affairs at 812-237-3773.
We grant you permission to print individual pages from the Site, unless otherwise expressly noted, for your own personal, noncommercial use in learning about, evaluating or purchasing the services or products offered on the Site. No other permission is granted to you to print, copy, reproduce, distribute, license, transfer, sale, transmit, upload, download, store, display in public, alter, modify or create derivative works of these materials. This grant of permission is not a transfer of title, and under this permission you may not:
- use the materials for any commercial purpose, or for any public display (commercial or noncommercial);
- remove any copyright, trademark or other proprietary notations from the materials; or
- transfer the materials to another person or "mirror" the materials on any other server.
We make no warranties or representations to you that your use of any materials displayed on the Site will not infringe the rights of third parties.
Third Party Web Sites
We may provide links and pointers to Internet sites maintained by others ("Third Party Sites"). We have not reviewed all of the Third Party Sites linked to the Site and are not responsible for the content of or any products or services offered on such Third Party Sites.
Submitted Information
If you submit any information to us, including any comments, remarks, suggestions, ideas, notes, drawings, graphics, concepts, or other information, you are giving that information, and all your rights in it, to us free of charge, and that information will be treated as non-confidential and non-proprietary and may be used by us for any purpose, without your consent or any compensation to you or anyone else. This is true whether you submit such information to us by e-mail, through a form on the Site, on a bulletin board, or in any other manner. ISU may from time to time monitor, review and, in its sole discretion, modify or delete any postings you make on the Site however, we are not obligated to do so.
You agree not to submit or transmit any material that is unlawful, threatening, libelous, defamatory, obscene, pornographic, profane, or might in any other way violate any law, regulation, or rule. You are solely responsible for any material you submit to the Site. You further agree not to upload, email, post or transmit to, or distribute or otherwise publish through the Site any material which disrupts the normal operation of the Site, including posting or otherwise transmitting material that is not related to the subject at issue or otherwise restricts or inhibits any other user from using the Site.
Through your usage of the Site, you may submit and/or we may gather certain limited information about you and your web site usage. We are free to use such information for any purpose we deem appropriate, including marketing purposes.
User Registration
To obtain full access to the Site, you may be required to complete a registration. You are responsible for maintaining the confidentiality of your account, password and secret question and for restricting access to your computer. You accept responsibility for all activities that occur under your account or password and such use shall be deemed to be use by you. You will ensure that all use of your account fully complies with these Terms and Conditions of Use. Transfer of the account by you to any other person or entity is prohibited.
Products
The products on the Site are presented with the greatest precision in order to fulfill the provisions of the U.S. Federal Trade Commission Act, which stipulates the necessity for the customer to be aware before the final order of the essential characteristics of the items which he or she wishes to purchase. If, in spite of all the care taken by us, there are inaccuracies in the presentation on the Site, we shall in no event incur any liability. We do not warrant that item descriptions or other content of the Site is accurate, complete, reliable, current, or error-free. If a product offered on the Site is not as described, your sole remedy is to return it in unused condition for a refund.
Prices
Prices are firm and final. They are expressed in US dollars. All taxes are included in the summary of the order. We reserve the right to modify prices at any time, without notice and without any other formality except to incorporate the modifications into the Site, but items ordered are invoiced at the price in effect on the day of the order. All shipping costs are invoiced in addition, and indicated on the summary of the order before its final approval by you. The amount of shipping cost is calculated as a function of the destination and the actual weight or volume of the order in accordance with the methods defined by the shipper chosen by us. We encourage you to print and maintain a copy of your purchase order for your records.
Payment
Payment, expressed in US dollars, shall be made exclusively on-line through the Site via credit card. Your credit card will be charged upon clicking “submit” in your online order process.
Delivery
Items are delivered by the US Postal service or another shipper chosen by us and designated by you. Any delivery times provided on the Site are estimates only. Exceeding these times shall in no event be held against us or give rise to any cancellation of the contract or to any indemnity whatsoever for damages and interest. The risk of loss and title for such items pass to you upon our delivery to the shipper. Items are always shipped at the risk of the customer, who must check their good condition at delivery. Any problem concerning delivery (damaged parcels, items missing from an invoice, etc.) must be brought to our attention within a reasonable time by contacting us via email at comments@isunetworks.org or phone at 800-603-7113 x709.
Refund/Return Policy
You may return new, unopened items ordered from the Site within 30 days of delivery. If a refund is requested within the 30-day time frame, we will refund your account for the purchase price. You should expect to receive your refund within four weeks of giving your package to the return shipper. This time period includes the transit time for us to receive your return item, the time to process your return and the time to process your refund. We will notify you via email of your refund once we've received and processed the returned item. Refunds will be based upon your initial method of payment. Shipping and handling is not refundable. If you received a faulty item and need to exchange it for the same item, you may request a replacement within 30 days of deliver. Please note that it takes us 3 to 5 business days to process returns once they arrive at our center. You should expect to receive your replacement item within four weeks of giving your package to the return shipper.
Disclaimer and Limitation of Liability
ALL MATERIAL ON THIS SITE IS PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
NEITHER ISU NOR NFI MAKES ANY REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY, COMPLETENESS, OR SUITABILITY OF ANY OF THE MATERIAL ON THIS SITE, OR ON ANY SITE OR SITES "LINKED" TO THIS SITE. NEITHER ISU NOR NFI MAKES ANY WARRANTY THAT THE SITE WILL BE AVAILABLE, UNINTERRUPTED, ERROR FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES WILL ISU, NFI OR THEIR DIRECTORS, OFFICERS, AGENTS, AFFILIATES, CONTRACTORS OR EMPLOYEES HAVE ANY LIABILITY TO YOU FOR DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) (WHETHER IN CONTRACT, NEGLIGENCE, TORT OR OTHERWISE) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE OR INABILITY TO USE THE SITE, SITE CONTENT OR ANY PRODUCTS OR SERVICES, OR ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, EFFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THE SITE OR ANY WEB SITE OPERATED BY ANY THIRD PARTY. IF YOU ARE DISSATISFIED WITH US, ANY OF OUR SERVICES OR THESE TERMS AND CONDITIONS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SITE.
United States Only
All materials on this Site are provided solely for the purpose of promoting our operations and products in the United States and its territories. Neither ISU nor NFI makes any representation that the materials on the Site are appropriate or available for use in other locations. If despite these conditions, you use the Site from outside the United States, you are solely responsible for compliance with any applicable local laws.
Trademarks, Trade Names, and Service Marks
Unless otherwise indicated, all logos, names, package designs, and marks on the Site are trademarks or service marks owned or used under license by ISU. No use of any trademark or service mark on the Site is permitted without express written consent from ISU. The use or misuse of any of these marks or other information is strictly prohibited.
Modification and Termination of This Agreement
We may modify these terms and conditions at any time without notice to you. We may terminate this agreement, terminate your access to all or part of the Site, or suspend any user's access to all or part of the Site, at any time, without notice to you, if we believe, in our sole judgment, that you have breached or may breach any term or condition of this agreement, or for our convenience. You may terminate this agreement at any time by destroying all materials received from Site and ceasing to use the Site.
Governing Law
These Terms and Conditions of Use shall be governed by the laws of the State of Indiana without giving effect to any choice or conflict of law or rule (whether of the State of Indiana or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than the State of Indiana, provided, however, that disputes concerning patent, federal trademark, or federal copyright matters shall be governed by federal law. You consent to jurisdiction in the State of Indiana.
Miscellaneous Terms
Our failure to strictly enforce any right against you shall not constitute a waiver thereof. If any provision of these Terms and Conditions of Use is deemed invalid, illegal, or unenforceable such provision will be deemed amended to conform to the applicable laws and the remainder of the Terms and Conditions of Use shall remain in full force and effect. This represents the full understanding of the parties with respect to the subject matter hereof.
Contact
Any questions may be directed to:
Networks Financial Institute at Indiana State University
2902 North Meridian Street
Indianapolis, IN 46208
Phone: 317.536.0281
Toll-free: 800.603.7113
Fax: 317.536.2269
comments@isunetworks.org