Terms of Use

Terms of Use (revised September 22, 2009)
TF Cornerstone Inc., ("We", "Us") provides this website, TFCornerstone.com, (the "Site") for your use subject to these "Terms of Use." Your use of the Site signifies acceptance of these Terms of Use which also includes our Privacy Policy. Unless you accept and agree to all of these Terms of Use and Privacy Policy, you may not use the Site or the services on the Site.

We reserve the right to modify these Terms of Use and Privacy Policy by posting new versions. Each time you use the Site you will be bound by any changes we may make. If you do not agree to our terms and conditions, do not access, use or browse the Site.

You can view the most current version of the Terms of Use at any time by visiting this web page. Our affiliates and subsidiaries (with us, "TFC") are also covered under these Terms of Use and Privacy Policy.

Privacy Policy
These Terms of Use include our Privacy Policy. All information collected from you at this Site is subject to our Privacy Policy that can be found by clicking on the link.

Use of this Site's Information
Use of the Site is for your personal information only. We retain all copyrights, trademarks and other rights to materials on the Site, including but not limited to: logos, graphics, designs, text, sounds and information, and the arrangement and display of these materials. The publication, distribution, modification, transmission, transfer, reproduction, public display, performance or exploitation of the Site's content and creation of derivative works is strictly prohibited without our express written permission. You may not (a) use any robot, spider or other automated device, process, or means to access the Site, (b) use any device, software or routine that interferes with the proper working of the Site or (c) use the Site to interfere with or disrupt servers or networks connected or hosting the Site. You must obey all applicable requirements, procedures, policies and regulations and applicable local, state, national and international laws, regulations or ordinances with respect to your use of the Site, including but not limited to the rules of the New York State Department of State and the New York State Department of Banking.

You may not use any content, audio or video clips, photographs or other images on the Site for commercial use. We may revoke your right to use the Site at any time with or without notice in our sole discretion. We reserve the right to modify, suspend or discontinue all or a portion of the Site with or without notice. TFC shall not be liable to you for any modification, suspension or discontinuance of the Site. All software used on the Site is the property of TFC or our software suppliers and is protected by applicable laws.

You can communicate with us using the submit function made available on the Site. All information submitted to us using such function will be treated as non-confidential and non-proprietary to you, except as required by law.

User Conduct
You may not use the Site to: 1) transmit, post or upload any files that contain viruses, corrupted files, software or programs that may interfere with or disrupt the Site, or any servers and networks that connect to the Site or 2) intentionally violate any applicable treaty, law, regulation or ordinance.

Indemnification
You shall indemnify, defend and hold harmless TFC and its respective partners, members, managers, officers, directors, employees and hosting service providers from any loss, fine, damage, cost, liability, claim and expense (including, without limitation, attorney's fees) related to or arising from your use of the Site or your violation of these Terms of Use including the Privacy Policy.

TFC shall not be liable to you for any direct, indirect, special, reliance, consequential or exemplary damages, including, but not limited to, loss of profits or data, loss of or damage to property, claims of third parties or any other damages whatsoever, whether arising as a contract, negligence or tort action, in connection with the use of, or the inability to use, the Site.

Third Party Links
TFC does not endorse nor is TFC responsible for any of the third-party websites that may link to the Site and any links to third party websites contained in the Site are intended for informational purposes only. TFC has no control over such third party websites, make no representations about such websites, and assume no responsibility for any content or materials on such websites. Your use, rights and obligations with respect to any such website may be set forth at such sites.

Disclaimer
TFC DOES NOT MAKE ANY WARRANTY AS TO CONTENT ON THE SITE. THE SITE AND ALL INFORMATION, CONTENT, PRODUCTS, SERVICES OR SOFTWARE PROVIDED ON THE SITE ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS. ANY MATERIAL VIEWED, DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS DONE SOLELY AT YOUR OWN DISCRETION AND RISK. YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE DONE TO YOUR SERVER OR LOSS OF DATA RESULTING FROM VIEWING OR DOWNLOADING ANY SUCH MATERIAL.

TFC DOES NOT WARRANT: 1) THE SITE WILL MEET YOUR REQUIREMENTS; 2) THE SITE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; 3) THE RESULTS OBTAINED FROM THE USE OF THE SITE WILL BE ACCURATE OR RELIABLE; 4) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIAL THAT YOU PURCHASE OR OBTAIN THROUGH THE SITE WILL MEET YOUR EXPECTATIONS, OR 5) ANY ERRORS WILL BE CORRECTED. TFC HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, COURSE OF DEALING OR USAGE.

TFC SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES.

TFC may post and accept employment information, whereby you can submit inquiries via an email form or submit a resume in consideration for a position of employment. Our Human Resources department may respond to such inquiries by phone or email. As part of such inquiries you may provide personally identifiable information to us (including, name, email address and other optional information) in conjunction with such a submission.
The posting of jobs by us or your submission of a resume shall not mean that you are considered an applicant of a job at with TFC nor shall it be deemed an offer of employment to you. You are not considered an applicant until you have been contacted by a Human Resources representative. Then, you may be asked to come in and fill out an employment application and/or begin the employment process involving an interview or job related testing. TFC makes no representations or warranties that the job postings remain accurate or available.

TFC will not be responsible or otherwise liable for any use or disclosure of your contact information, or financial information, to the extent that such use or disclosure is permitted under the Privacy Policy or applicable law.

Compliance with Laws
The Site is compliant with all applicable laws. TFC supports the principles of the Fair Housing Act (Title VIII of the Civil Rights Act of 1968) that prohibits discrimination in the sale, lease or rental of housing, or making housing otherwise available, because of race, color, religion, sex, handicap, familial status or national origin and New York State and City anti-discrimination laws.

Miscellaneous
Our failure to exercise or enforce any rights or provision of the Terms of Use does not constitute a waiver of such right or provision.

Any claim or cause of action arising out of or related to use of the Site or these Terms of Use must be filed without one (1) year after such claim or cause or action arose or be forever barred.

These Terms of Use, including all terms, conditions, and policies incorporated into these terms by reference, constitute the entire agreement between you and us and supersedes any prior agreements we may have relating to the use of the Site.

The validity, interpretation and enforcement of these Terms of Use, and matters arising out of or related to these Terms of Use, its making, performance or breach, and related matters shall be governed by the internal laws of the State of New York (without reference to choice of law doctrine). Any legal action or proceeding concerning the validity, interpretation and enforcement of these Terms of Use, or matters arising out of or related to these Terms of Use, its making, performance or breach, or related matters shall be brought exclusively in the courts of the State of New York in the County of New York or of the United States of America for the Southern District of New York, and all parties consent to the exclusive jurisdiction of those courts, waiving any objection to the propriety or convenience of such venues.

If any part of these Terms of Use is determined to be invalid or unenforceable pursuant to applicable law, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision, and the remainder of these Terms of Use shall continue in effect.

Copyright 2009. TF Cornerstone Inc. All Rights Reserved.