Effective Date: October 3, 2022
Stratum Funds ("Stratum," "we," "our," or "us") provides this website and any related digital services (collectively, the "Site") subject to these Terms of Use. By accessing or using the Site, you agree to these Terms. If you do not agree, you should not use the Site.
You may use the Site only for lawful purposes and in accordance with these Terms. You agree not to misuse the Site, interfere with its operation, attempt to gain unauthorized access, use automated tools to collect data, upload harmful code, impersonate another person, or use the Site in any way that violates applicable law or the rights of others.
If you create an account, you agree to provide accurate and current information and to keep your login credentials confidential. You are responsible for activity under your account and should notify us promptly of any unauthorized use. You must be at least 13 years old to use the Site.
Some services described on the Site may relate to financial products or accounts offered by bank partners or other third parties. Approval, denial, restriction, or discontinuation of any product or account is determined by the applicable provider in accordance with its policies and applicable law. Stratum does not guarantee that any application or service will be approved or remain available.
All content on the Site, including text, graphics, logos, images, software, and design elements, is owned by Stratum or licensed to us and is protected by applicable intellectual property laws. You may access and use the Site for personal, non-commercial use only. You may not copy, reproduce, modify, distribute, republish, sell, or otherwise use Site content without our prior written permission.
If you send us feedback, suggestions, messages, or other materials through the Site, you grant Stratum the right to use those materials for lawful business purposes without compensation to you, unless required by law. You represent that anything you submit is accurate, lawful, and does not violate the rights of any third party.
The Site may contain links to third-party websites or services. These are provided for convenience only. Stratum does not control or endorse third-party websites and is not responsible for their content, availability, or practices. If you choose to access third-party sites, you do so at your own risk.
Your use of the Site is also subject to our Privacy Policy, which explains how we collect, use, and protect personal information. By using the Site, you also agree to our Privacy Policy.
The Site and all content and services made available through it are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, Stratum disclaims all warranties, express or implied, including warranties of accuracy, availability, merchantability, fitness for a particular purpose, and non-infringement.
To the fullest extent permitted by law, Stratum and its affiliates, officers, employees, agents, and service providers will not be liable for any indirect, incidental, consequential, special, or punitive damages, or for any loss of profits, revenues, data, or business opportunities arising out of or related to your use of the Site.
We may suspend or terminate your access to the Site at any time, with or without notice, if we believe you have violated these Terms, applicable law, or otherwise pose a risk to the Site or its users.
These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. If a dispute cannot be resolved informally, it will be resolved by binding arbitration, except where applicable law requires otherwise or where injunctive relief is sought. If arbitration is not available, disputes must be brought in the state or federal courts located in New York County, New York.
We may update these Terms of Use from time to time. Updated versions will be posted on the Site and become effective when published. Your continued use of the Site after changes are posted means you accept the revised Terms.
If you have questions about these Terms of Use, please contact us.