Terms Of Service

This User Agreement (“Agreement”) Is A Legally-binding Contract That Explains The Terms Under Which You Are Able To Use The FAguide.com Web Site And Any Web Or Mobile Services Or Applications (“Site”) As Offered By FAguide.com, LLC (“FAguide.com,” “we,” Or “us”). Throughout This Agreement You Will Be Known As The "User" Or “Users.” The Reference To “you” Or “yours,” As Applicable, Means The Person That Accesses, Uses, And Or Participates On FAguide.com In Any Manner. Wholesalers/Service Providers That Are Offering Services Through The FAguide.com Platform Will Be Referred To As "Wholesaler/Service Provider" Or “Wholesalers/Service Providers.” Users That Are Posting Jobs And Searching For Wholesalers/Service Providers Are Referred To As “Client” Or “Clients.”

You Understand That By Using The FAguide.com Platform You Are Accepting This Agreement. If You Do Not Accept This Agreement In Its Entirety, You May Not Access Or Use The FAguide.com Platform. Once You Accept This Agreement On Behalf Of An Entity, You Represent And Warrant That You Have The Authority To Bind That Entity To This Agreement.

FAguide.com Has Established A Privacy Policy That Explains How Information From Users Is Collected And Used.

1. Summary Of FAguide.com

FAguide.com Is An Online Forum That Facilitates Communication Between Clients And Wholesalers/Service Providers For Financial Services, Allowing Them To Create Online Profiles And Exchange Services Provided By The Wholesalers/Service Providers. FAguide.com Acts As A Venue For Wholesalers/Service Providers And Clients To Exchange Information With The Goal Of Eventually Forming A Business Relationship. FAguide.com Does Not Guarantee That Clients Will Successfully Find A Wholesaler/Service Provider To His/her Liking Through The Site. Likewise, FAguide.com Does Not Involve Itself In The Agreement Between The Client And The Wholesaler/Service Provider. The Client Is Solely Responsible For Assessing The Integrity, Honesty, Experience, Capability, And Reliability Of Any Wholesaler/Service Provider With Whom Client Communicates With Through The Site.

2. Eligibility

The Site Is Available Only To Legal Entities And Persons Who Are At Least Eighteen (18) Years Old And Are Otherwise Capable Of Forming Legally Binding Contracts Under Applicable Law. A User Agrees That They Are Not (a) A Citizen Or Resident Of A Country In Which Use Or Participation Is Prohibited By Law, Decree, Regulation, Treaty Or Administrative Act; (b) A Citizen Or Resident Of, Or Located In, A Country Or Region That Is Subject To U.S. Or Other Sovereign Country Sanctions Or Embargoes; Or (c) An Individual Or An Individual Employed By Or Associated With An Entity Identified On The U.S. Department Of Commerce's Denied Persons Or Entity List, The U.S. Department Of Treasury's Specially Designated Nationals Or Blocked Persons Lists, Or The Department Of State's Debarred Parties List Or Otherwise Ineligible To Receive Items Subject To U.S. Export Control Laws And Regulations, Or Other Economic Sanction Rules Of Any Sovereign Nation.

3. Member Conduct

Users Shall Not Upload, Post, Or Distribute Any Content Including Text, Images, Information, And Videos, To Any Part Of The Site Including The Profile, Messages, Quotes, Or Reviews, That Misrepresent In Any Way The Wholesaler/Service Provider Or Services Provided By The Wholesaler/Service Provider And/or The Client And The Job Being Posted By The Client. This Includes, But Is Not Limited To:

*  Misrepresentation Of Anything Posted, Including Impersonation Of Another Individual Or Entity Or Any False Or Inaccurate Biographical Information For Any Wholesaler/Service Provider Or Client

*  Providing Links To External Sites That Violate The Agreemen

*  Invading Anyone’s Privacy By Attempting To Harvest, Collect, Store, Or Publish Private Or Personally Identifiable Information Such As Names, Email Addresses, Phone Numbers, Passwords, Account Information, Credit Card Numbers, Home Addresses, Or Other Contact Information Without Their Knowledge Or Consent

*  Falsehoods Or Misrepresentations That Could Damage FAguide.com, Users, Or Any Third Party

*  Is Copyrighted, Protected By Trade Secret Or Subject To A Third-party’s Proprietary Rights, Including Privacy Rights, Unless You Are The Owner Of Such Rights Or Have Permission From The Rightful Owner To Post And Use These Materials

*  Contains Or Promotes An Illegal Or Unauthorized Copy Of Another Person’s Work, Such As A Pirated Computer Program Or Links To Those Or Any Other Item For Copy, Display, Use, Performance, Or Distribution Of Which Infringes On Another's Copyright, Intellectual Property Right, Or Any Other Proprietary Right

*  Is Pornographic, Harassing, Hateful, Illegal, Obscene, Defamatory, Libelous, Slanderous, Threatening, Discriminatory, Racially, Culturally Or Ethnically Offensive; Incites, Advocates, Or Expresses Pornography, Obscenity, Vulgarity, Profanity, Hatred, Bigotry, Racism, Or Gratuitous Violence; Encourages Conduct That Would Be Considered A Criminal Offense, Give Rise To Civil Liability Or Violate Any Law; Promotes Racism, Hatred Or Physical Harm Of Any Kind Against Any Group Or Individual; Contains Nudity, Violence Or Inappropriate Subject Matter, Or Is Otherwise Inappropriate.

*  Is Intended To Threaten, Stalk, Defame, Defraud, Degrade, Victimize, Or Intimidate An Individual Or Group Of Individuals For Any Reason On The Basis Of Age, Gender, Disability, Ethnicity, Sexual Orientation, Race, Or Religion, Or To Incite Or Encourage Anyone Else To Do So

*  Advertises Or Solicits A Business Not Related To Or Appropriate For The Site (as Determined By FAguide.com In Its Sole Discretion), This Includes Anything That Could Be Considered “junk Mail,” “spam,” Or Unsolicited Commercial Advertising, Advertising For Ponzi Schemes, Online Surveys Or Contests, Irrelevant Content And/or Commercial Services Or Websites, Except As Allowed Under The FAguide.com Agreement

4. Cancellation

FAguide.com Has The Right To Terminate, Cancel, Block, And/or Restrict User’s Usage Of The Site At Any Time With Or Without Cause. However, Examples Of Reasons Why FAguide.com May Terminate A User’s Enrollment Include But Are Not Limited To A Wholesaler/Service Provider’s Attempt To Circumvent Paying Fees To FAguide.com, Complaint(s) From Other Users About A Wholesaler/Service Provider Or Client, Wholesaler/Service Provider Failing To Provide Services To Clients After A Quote Has Been Accepted, And Failing To Abide By FAguide.coms.com’s Rules And Policies.

5. Rules For Wholesalers/Service Providers

Profiles And Offers As Posted Or Advertised By Wholesalers/Service Providers Must Not Be Fraudulent Or In Any Way Violate The Agreement. This Includes But Is Not Limited To Listing Or Advertising Services That Are Unrelated To The Category In Which They Are Listed, Attempting To Circumvent FAguide.com Fees, And In Any Way Violate The Agreement. Wholesalers/Service Providers Are Able To Purchase Credits On The Site That Are Used To Send Quotes Via The Site To Clients That Are Looking For Their Services.  

6. Email Policy

FAguide.com Creates A High-quality Workspace, Allowing Clients And Wholesalers/Service Providers To Easily Work Together To Accomplish Their Business Goals. As Part Of That Effort We Use A Variety Of Techniques To Distribute Quality Leads To Our Wholesalers/Service Providers Such As Permission-based Emails. Our Permission-based Email Channel Is Valued By Our Wholesalers/Service Providers As An Effective Tool To Digest A Lot Of Valuable Business Content. We Comply With The CAN SPAM Act Of 2003 (the Federal Law Governing Commercial Email) And All Other Applicable Laws Regarding Commercial Email And We Require All Of Our Third Party Partners Who Use Email To Distribute Our Content To Comply With These Laws As Well. When You Create An Account On FAguide.com And Verify Your Email Address, You Will Begin Receiving Relevant Emails Until You Unsubscribe From These Emails Or Deactivate Your Account. We Want To Make It Easy For You To Switch The Frequency Of Notifications Alerts And To Opt-out Of Receiving Future Emails Involving FAguide.com.

7. FAguide.com Disclaimers

The Inclusion Of Any Wholesaler/Service Provider On This Site Does Not Imply An Endorsement Of Any Wholesaler/Service Provider Or The Services Provided By This Wholesaler/Service Provider. FAguide.com Makes No Representation Regarding Any Wholesaler/Service Provider’s Qualifications, Nor Does It Sanction Any Statement That A Wholesaler/Service Provider May Post On Or Off The Site Or Communicate To The Client. FAguide.com Does Not Screen Any Of The Wholesalers/Service Providers Using The Site. Users Acknowledge That FAguide.com Is Not Liable For Any Dispute, Claim, Controversy, Or Lawsuit That Wholesalers/Service Providers And Clients May Have Against Each Other Arising From The Use Of The The FAguide.com Site.

Users Acknowledge That There Is No Charge Or Fee To Clients For Use Of FAguide.com, Wholesalers/Service Providers Do Pay A Fee To FAguide.com In Order To Contact And Solicit Business From The Clients. Users Acknowledge That FAguide.com Is Not Responsible For Any Harm That Using The Site May Cause. User Unconditionally And Absolutely Agrees To Indemnify And Hold FAguide.com Fully Harmless From Any And All Liability Arising From Or In Connection With The Contents Or Use Of The Site. User Further Agrees That The Defense And Indemnity Shall Include Without Limitation Attorney's Fees And Costs.

FAguide.com May Change The Agreement At Any Time. FAguide.com Further Reserves The Right To Discontinue The Site Without Notice. Users Agree That FAguide.com Shall Not Be Liable To User Or Any Third Party For Any Modification Or Discontinuance Of The Site. User Acknowledges And Agrees That Any Termination Of Site May Be Without Prior Notice, And Agrees That FAguide.com May Immediately Delete Data And Files In The User's Account And Bar Any Further Access To The Files.

User Expressly Agrees That The Use Of The Site Is At User's Own Risk. The Site Is Provided On An "as Is" Basis. FAguide.com Expressly Disclaims All Warranties Of Any Kind, Whether Expressed Or Implied, Including, But Not Limited To The Implied Warranties Of Merchantability And Fitness For A Particular Purpose. FAguide.com Makes No Warranty That The Service Will Meet User's Requirements, That The Service Will Be Uninterrupted, Timely, Secure, Or Error-free. Furthermore, FAguide.com Does Not Warranty The Results That May Be Obtained From The Use Of The Site Or As To The Accuracy Or Reliability Of Any Information Obtained Through The Site Or That Defects In The Program Will Be Corrected. FAguide.com Makes No Warranty Regarding Any Goods Or Services Purchased Or Information Obtained Through The Site Or Any Transaction Entered Through The Service. No Advice Or Information, Whether Oral Or Written, Obtained By User From FAguide.com Shall Create Any Warranty Not Expressly Stated Herein.

FAguide.com Shall Not Be Liable For Any Direct, Indirect, Incidental, Special, Or Consequential Damages Resulting From The Use Or Inability To Use The Site, Including But Not Limited To Any Damage Caused By Wholesaler/Service Provider In Dealing With Client. Furthermore, User Agrees That FAguide.com Shall Not Be Liable For Any Damages Arising From Interruption, Suspension, Or Termination Of Service, Including, But Not Limited To, Direct, Indirect, Incidental, Special, Or Consequential Damages, Whether Such Interruption, Suspension, Or Termination Was Justified Or Not, Negligent Or Intentional.

Any Claims Or Disputes Arising Out Of This Agreement, Including Any Claims For Violation Of The Terms Of The Agreement, Shall Be Resolved Under The Laws Of The State Of Kentucky And Shall Be Subject To Arbitration. The Arbitration Shall Be Conducted In The Fayette County, State Of Kentucky, And Any Court Having Jurisdiction Thereof May Enter Judgment On The Arbitration Award.

If Any Term Or Provision Of This Agreement Is Held To Be Invalid, Illegal Or Unenforceable, In Any Respect As Written, The Parties Intend For Any Arbitrator Construing This Agreement To Modify Or Limit Such Provision So As To Render It Valid And Enforceable To The Fullest Extent Allowable By Law. Any Provision Not Susceptible Of Such Reformation Shall Be Valid And Enforced To The Fullest Extent Of The Law. Furthermore, The Provisions Of This Agreement Are Severable, Meaning That If Any Part Is Found To Be Unenforceable Or Inoperable, Then Such Provision Will Be Deemed Severed, And All Other Parts Will Remain Fully Valid And Enforceable.