Terms of Use

These Website Terms of Use (the “Terms”) set out the rules for accessing and using the public websites operated by Banker’s Toolbox, Inc. d/b/a Abrigo, Inc. and its affiliates (collectively, “Abrigo,” “we,” “us,” or “our”). By accessing or using the Website, you agree to comply with these Terms. If you do not agree, please do not use the Website.

Scope of These Terms

“Website” means Abrigo’s and its affiliates’ public-facing websites and the information, text, graphics, videos, materials, and other content made available through them (collectively, “Website Content”). These Terms do not govern the Abrigo platform, subscription services, professional services, support, maintenance, or other Abrigo products or services (collectively, “Abrigo Products”). Use of Abrigo Products is governed by the separate agreement under which the applicable customer purchases or receives those products or services.

We may update these Terms from time to time by posting an updated version on the Website. The updated Terms apply from the date they are posted. We may also change, suspend, or discontinue any part of the Website at any time.

Informational Content; No Professional Advice

Website Content is provided for general informational purposes only. It is not, and should not be relied upon as, legal, accounting, tax, investment, lending, compliance, or other professional advice. Abrigo does not make recommendations or decisions for any visitor, financial institution, borrower, investor, or other person through the Website. You should obtain advice from qualified professionals before acting on information available through the Website.

Although we seek to keep Website Content current and accurate, we do not represent that it is complete, current, or error-free. Website Content may be changed or removed without notice.

Permitted Use and Prohibited Conduct

You may access and use the Website for legitimate informational and business purposes, subject to these Terms and applicable law. You may not use the Website in a manner that:

• violates applicable law or infringes, misappropriates, or otherwise violates the rights of Abrigo or any third party;

• interferes with, disrupts, damages, overburdens, or attempts to gain unauthorized access to the Website or any related system, network, account, data, or service;

• introduces viruses, malware, or other harmful code, or attempts to probe, scan, test, or circumvent the security of the Website without Abrigo’s prior written authorization;

• monitors, copies, accesses, indexes, or collects Website Content without Abrigo’s prior written authorization, including by use of bots, spiders, scrapers, or other automated means;

• impersonates any person or entity, misrepresents an affiliation, sends spam or other unsolicited commercial communications through the Website, or otherwise uses the Website for fraudulent, deceptive, or unlawful purposes; or

• removes, obscures, or alters any copyright, trademark, or other proprietary-rights notice.

Intellectual Property and Limited Permission to Use Website Content

The Website and Website Content are owned by Abrigo or its licensors and are protected by copyright, trademark, trade secret, and other intellectual-property laws. Except as expressly permitted by these Terms or applicable law, no right, title, or interest in the Website or Website Content is transferred to you.

Subject to these Terms, Abrigo grants you a limited, revocable, nonexclusive, nontransferable, and nonsublicensable permission to access and display Website Content for your internal informational and legitimate business purposes. You may not copy, reproduce, modify, create derivative works from, publicly display, distribute, sell, license, or otherwise exploit Website Content without Abrigo’s prior written permission.

Third-Party Content and Links

The Website may include links to third-party websites or content supplied by third parties. Those links and materials are provided for convenience only. Abrigo does not control, endorse, sponsor, or make representations about third-party websites, providers, or content, and is not responsible for their availability, accuracy, security, policies, or practices. Your use of third-party websites or content is at your own discretion and is subject to the applicable third party’s terms and policies.

Linking to the Website

You may link to Abrigo’s homepage in a fair and lawful manner that does not suggest Abrigo’s sponsorship, endorsement, or affiliation where none exists. You may not frame the Website or otherwise present Website Content in a manner that is misleading or that harms Abrigo’s reputation. Abrigo may request that a link be removed where appropriate.

Privacy

Abrigo’s collection and use of personal information through the Website is described in the Abrigo Privacy Policy, available on the Website. Please review the Privacy Policy before providing personal information through the Website.

Disclaimer of Warranties

THE WEBSITE AND WEBSITE CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ABRIGO DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND AVAILABILITY. ABRIGO DOES NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ARE RESPONSIBLE FOR USING APPROPRIATE SECURITY, BACKUP, AND PROTECTION MEASURES FOR YOUR DEVICES AND DATA.

Copyright Infringement Notices

If you believe that material available on the Website infringes your copyright, please send a written notice containing the information required by 17 U.S.C. § 512(c)(3) to Abrigo’s copyright contact at [email protected]. Abrigo will review notices that comply with applicable law.

Trade-Law Compliance

You may not access, download, use, transfer, or otherwise transact in Website Content in violation of applicable export-control or trade-sanctions laws. You are responsible for complying with laws applicable to your use of the Website.

Contact Us

Questions about these Terms may be sent to:

Banker’s Toolbox, Inc. d/b/a Abrigo, Inc. 5444 Wade Park Blvd., Suite 400 Raleigh, NC 27607 Phone: 833-4-ABRIGO Email: [email protected]