Terms of Service

1. Acceptance of Terms

This Terms of Service agreement (the “Agreement”) is a legal contract between you (“User,” “you,” or “your”) and [Applecu] (“Company,” “we,” “us,” or “our”), regarding your use of the website located at applecu.com (the “Site”) and all related services, features, content, and applications offered by us.

By accessing or using the Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our [Link to Privacy Policy]. If you do not agree to these Terms, you may not access or use the Site.

2. Financial Services and Specific Agreements

Crucial Note for Financial Institutions:

Your use of specific services, such as opening accounts, applying for loans, or using online banking, will also be governed by separate agreements, disclosures, and policies (e.g., your Account Agreement, Fee Schedule, Loan Agreements, Electronic Funds Transfer Disclosures). In the event of a conflict between these Terms of Service and any specific account agreement, the specific account agreement will generally prevail.

3. Privacy Policy

Your use of the Site is also subject to our Privacy Policy, which is incorporated into these Terms by this reference. Please review our Privacy Policy at [Link to Privacy Policy] to understand our practices regarding the collection, use, and disclosure of your information.

4. Accounts and Security

If you create an account on the Site:

You must be at least [Age, e.g., 18] years old to register for an account.
You are solely responsible for maintaining the confidentiality of your account password and for all activities that occur under your account.
You agree to notify us immediately of any unauthorized use of your account or any other breach of security.
We reserve the right to refuse service, terminate accounts, or remove or edit content at our sole discretion.

5. Prohibited Uses

You may use the Site only for lawful purposes and in accordance with this Agreement. You agree not to use the Site:

In any way that violates any applicable federal, state, local, or international law or regulation.
To transmit, or procure the sending of, any advertising or promotional material without our prior written consent, including “junk mail,” “chain letter,” “spam,” or any other similar solicitation.
To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity.
To engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the Site.

6. Intellectual Property Rights

The Site and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio) are owned by the Company, its licensors, or other providers of such material and are protected by copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

7. Disclaimer of Warranties

THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. THE COMPANY DOES NOT MAKE ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE SITE.

8. Limitation of Liability

IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE SITE, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE SITE, OR ANY SERVICES OBTAINED THROUGH THE SITE.

9. Governing Law and Jurisdiction

This Agreement shall be governed by and construed in accordance with the laws of [United States], without giving effect to any choice or conflict of law provision or rule. Any legal suit, action, or proceeding arising out of or related to these Terms or the Site shall be instituted exclusively in the federal or state courts of [United States].

10. Changes to the Terms of Service

We reserve the right to revise and update these Terms of Service from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Site thereafter.

11. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Email: [email protected]