Welcome to Capient. By accessing our website and using our application, you agree to be bound by these Terms and Conditions and agree that you are responsible for compliance with any applicable local laws.

1. Use License

Permission is granted to temporarily download one copy of the materials (information or software) on Capient's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

Modify or copy the materials;
Use the materials for any commercial purpose, or for any public display;
Attempt to decompile or reverse engineer any software contained on Capient's website;
Remove any copyright or other proprietary notations from the materials; or
Transfer the materials to another person or "mirror" the materials on any other server.

2. Disclaimer

The materials on Capient's website are provided on an 'as is' basis. Capient makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Furthermore, Capient is a financial planning and organization tool. It is not financial or legal advice. Users are solely responsible for their financial decisions.

3. Limitations

In no event shall Capient or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Capient's website, even if Capient or a Capient authorized representative has been notified orally or in writing of the possibility of such damage.

4. Revisions and Errata

The materials appearing on Capient's website could include technical, typographical, or photographic errors. Capient does not warrant that any of the materials on its website are accurate, complete or current. Capient may make changes to the materials contained on its website at any time without notice.

5. Governing Law

These terms and conditions are governed by and construed in accordance with the laws, and you irrevocably submit to the exclusive jurisdiction of the courts in that State or location.