PLEASE READ THESE TERMS OF USE CAREFULLY. BY ACCESSING THIS WEBSITE (AND ANY OF ITS PAGES), YOU AGREE TO BE BOUND BY THE TERMS OF USE BELOW. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE. IF YOU DO NOT AGREE TO THE TERMS OF USE BELOW, PLEASE DO NOT ACCESS THIS SITE OR ANY OF ITS PAGES.

Jenius Bank, a division of SMBC MANUBANK (sometimes referred to herein as “we”, “us”, “our” or “Jenius Bank”) maintains this website (the “Site”) to provide you with information about our products and services. We reserve the right to change, update, add or remove portions of these Terms of Use at any time without notice. Please check this Site periodically for changes. Unauthorized use of the Site and systems is strictly prohibited.

COPYRIGHT NOTICES

The information, materials, names, marks, images, and all other content contained in and on this Site are owned or licensed, except as otherwise expressly stated, by Jenius Bank, a division of SMBC MANUBANK. Except as otherwise expressly stated herein, they may not be copied, transmitted, displayed, performed, distributed (for compensation or otherwise), licensed, altered, framed, stored for subsequent use or otherwise used in whole or in part in any manner without Jenius Bank's prior written consent, except to the extent permitted by the Copyright Act of 1976 (17 U.S.C. § 107), as amended, and then, only with notices of Jenius Bank's proprietary rights provided that you may download information and print out hard copies for your personal use or non-commercial internal business use.

USE OF INFORMATION AND MATERIALS

The information and materials contained in the Site are subject to change. Product offers, rates, terms and other information provided on the Site are subject to change without notice and not all products and services are available in all geographic areas. Your eligibility for products and services is subject to final determination by Jenius Bank and/or its affiliates.

LINKS

The Site may contain links to non-Jenius Bank websites. Jenius Bank has no control over the content on such non-Jenius Bank websites and the presence of these links on the Site do not imply any endorsement or representation regarding the content at such sites.

NO WARRANTY

THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS" AND "AS AVAILABLE.” JENIUS BANK DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THIS INFORMATION AND MATERIALS AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS, IS GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS.

LIMITATION OF LIABILITY

IN NO EVENT WILL JENIUS BANK BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS SITE OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF JENIUS BANK, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

SUBMISSIONS

We welcome your comments and suggestions, but you should not send confidential or sensitive information to us via this Site. All information submitted to Jenius Bank or its affiliates via the Site shall be deemed and remain the property of Jenius Bank and Jenius Bank shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this Site submits or provides through this website. Jenius Bank shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by Jenius Bank.

AVAILABILITY

This Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

ANALYTICS AND TRACKING

Jenius Bank may use the services of third parties, such as Google Analytics, which offer analytics and tracking technology services. We may use these services to gather information such as browser type and operating system, track the number of visitors to the Site, customize the Site for visitors, and understand how visitors use the Site. By accessing or using the Site, you consent to the collection of information about your use of the Site by us and our third-party vendors.

ADDITIONAL TERMS

Certain sections or pages on this Site may contain separate terms, which are in addition to these terms. In the event of a conflict, the additional terms will govern for those sections or pages. We do not knowingly solicit or collect personal information from children under the age 13, without parental consent.

GOVERNING LAW

Use of this site shall be governed by all applicable Federal laws and the laws of the State of California.