These Terms & Conditions ("Terms") govern your access to and use of the website and services provided by Rathbone Investments ("we," "us," or "our"). By accessing our website, submitting a funding request, or otherwise engaging with our services, you agree to be bound by these Terms. If you do not agree, please do not use our website or services.
1. Use of Our Website
You agree to use our website only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use of the site. You may not attempt to gain unauthorized access to any portion of the website, interfere with its operation, or use it to transmit harmful or unlawful content.
2. Funding Requests & Eligibility
Submitting a funding request through our website does not constitute a guarantee of approval or an offer of financing. All requests are subject to review, underwriting, and applicable eligibility criteria. Any financing offered will be governed by separate agreements containing the specific terms, rates, and conditions applicable to that transaction.
3. Accuracy of Information
You represent that all information you provide to us is accurate, current, and complete. Providing false or misleading information may result in denial of a request or termination of services. You are responsible for maintaining the confidentiality of any account or communication credentials.
4. Intellectual Property
All content on this website — including text, graphics, logos, and design — is the property of Rathbone Investments or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without our prior written consent.
5. SMS Terms & Conditions
By opting in to our messaging program, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from Rathbone Investments, including offers, updates, and information about our financial products and services, sent using an automated telephone dialing system (ATDS).
Message frequency varies; you may receive up to 4 messages per month. Message and data rates may apply, depending on your mobile carrier plan.
You may opt out of the messaging program at any time. Reply STOP to opt out at any time; you will receive a confirmation message and will no longer receive SMS messages from us. Reply HELP for assistance if you have questions or need support with the program.
Consent is NOT a condition of purchase. Consent to receive SMS messages is not required to obtain any product or service from us. Carriers are not liable for delayed or undelivered messages. Supported carriers may change, and message delivery is subject to effective transmission by your carrier.
6. Disclaimers
Our website and services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the website will be uninterrupted, error-free, or free of harmful components.
7. Limitation of Liability
To the fullest extent permitted by law, Rathbone Investments shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, our website or services, even if we have been advised of the possibility of such damages.
8. Indemnification
You agree to indemnify and hold harmless Rathbone Investments and its officers, employees, and agents from any claims, liabilities, damages, and expenses arising out of your use of the website, your violation of these Terms, or your infringement of any rights of a third party.
9. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in New Jersey.
10. Changes to These Terms
We may revise these Terms from time to time. Updated Terms will be posted on this page with a new effective date. Your continued use of our website after changes are posted constitutes acceptance of the revised Terms.
11. Contact Us
Questions about these Terms may be directed to:
Rathbone Investments
3805 Shunpike Road, Rio Grande, NJ 08242
stephanie@rathboneinvestments.com