1. Acceptance of these terms
These Terms of Use ("Terms") form a binding agreement between you and Soulofcroatiasailing ("we", "us") regarding your access to soulofcroatiasailing.com (the "Site"). By browsing, reading or otherwise using the Site, you agree to be bound by these Terms and by our Privacy Policy and Cookie Policy. If you do not agree, please do not use the Site.
2. Purpose of the Site
The Site is an independent editorial resource that explains how Spectra Credit Union works, including products such as the Brilliant Kids Savings account. We are not Spectra Credit Union, we are not affiliated with it, and we do not act on its behalf. Nothing on the Site constitutes financial, investment, legal or tax advice.
3. No financial services
The Site does not allow you to open an account, deposit funds, transfer money, apply for a loan or take any other financial action. Any decision you make about Spectra Credit Union products is yours alone and should be made directly with the institution after reviewing its own terms.
4. Eligibility
You must be at least 18 years old to send us messages or to agree to these Terms on your own behalf. Children may read educational content on the Site under the supervision of a parent or guardian.
5. Acceptable use
When using the Site you agree not to:
- Use the Site to break any law, regulation or contractual obligation.
- Attempt to gain unauthorised access to the Site, its servers or any related systems.
- Interfere with the normal operation of the Site, including by sending automated requests at abusive volumes.
- Impersonate another person, misrepresent your affiliation or submit false information through the contact form.
- Copy, reproduce, scrape, mirror or redistribute substantial portions of the Site without our written permission.
6. Intellectual property
All text, layouts, graphics, illustrations and code on the Site (other than third-party assets such as Unsplash images, which are licensed under the Unsplash Licence) are owned by or licensed to Soulofcroatiasailing. You may view, share and link to our articles for personal, non-commercial use, with attribution to the original URL.
7. Third-party links and content
The Site may link to third-party websites, including the official Spectra Credit Union website. We do not control or endorse those websites and are not responsible for their content, accuracy or practices. Visiting them is at your own risk.
8. Disclaimer of warranties
The Site is provided on an "as is" and "as available" basis. We make reasonable efforts to keep information up to date, but we make no warranty that the Site will be uninterrupted, error-free or that any information is current, complete or suitable for your particular situation.
9. Limitation of liability
To the maximum extent permitted by law, Soulofcroatiasailing shall not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, data or goodwill, arising out of your use of, or inability to use, the Site. Our total liability for any direct damages shall not exceed USD 100.
10. Indemnity
You agree to indemnify and hold harmless Soulofcroatiasailing and its contributors from any claims, damages, losses or costs (including reasonable legal fees) arising from your misuse of the Site or your violation of these Terms.
11. Changes to the Terms
We may update these Terms from time to time. The "Last updated" date will reflect the most recent revision. Continued use of the Site after changes are posted means you accept the updated Terms.
12. Governing law
These Terms are governed by the laws of the State of New York, United States, without regard to its conflict-of-law provisions. Any dispute arising from or relating to the Site shall be brought exclusively in the state or federal courts located in New York County, New York.
13. Contact us
Questions about these Terms? Please get in touch:
- Email: info@soulofcroatiasailing.com
- Phone: +1 (646) 372-8418
- Address: 1242 East 53rd Street, Brooklyn, NY 11234, USA