Terms and Conditions

NOTICE

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE ACCESSING OR USING THE FINANCIAL SERVICES (“SERVICES”) PROVIDED BY CITIGROUP, INC. AND ITS AFFILIATES CITIMORTGAGE, INC., AND CITIBANK, N.A. BY ACCESSING OR USING THIS WEB SITE (“SITE”) AND/OR THE SERVICES PROVIDED THROUGH THE SITE, YOU ARE ENTERING INTO AND AGREEING TO BE BOUND BY (I) THESE TERMS AND CONDITIONS; (II) THE TERMS AND CONDITIONS SET FORTH IN THE INTERNET PRIVACY POLICY AND THE TERMS AND CONDITIONS OF ANY SUPPLEMENTAL PRIVACY POLICIES OR TERMS AND CONDITIONS APPLICABLE TO ANY SERVICES THAT YOU USE AND/OR FOR WHICH YOU REGISTER, IN EACH CASE, AS UPDATED FROM TIME TO TIME (COLLECTIVELY, THIS “AGREEMENT”). IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT, YOU MAY NOT ACCESS OR USE THIS SITE OR THE SERVICES.

As used in these Terms and Conditions, the terms “we,” “us,” and “our” refer collectively to Citi and the word “you” refers to you individually and, if you are using the Site on behalf of your company, your company.

AVAILABILITY/NON-U.S. RESIDENTS

This Site is published in the United States. It is only directed at and approved for distribution to and use by residents of the United States. Financial services provided by Citi are available only to such persons. Other persons should not rely or act upon any such information on this Site. We reserve the right to require proof of residence from any user accessing this Site and requesting information.

THIS SITE IS NOT INTENDED FOR DISTRIBUTION TO, OR USE BY, ANY PERSON OR ENTITY IN ANY JURISDICTION OR COUNTRY WHERE SUCH DISTRIBUTION OR USE WOULD BE CONTRARY TO LOCAL LAW OR REGULATION. BY OFFERING THIS SITE AND INFORMATION, OR ANY PRODUCTS OR SERVICES VIA THIS SITE, NO DISTRIBUTION OR SOLICITATION IS MADE BY CITI TO ANY PERSON TO USE THIS SITE, OR SUCH INFORMATION, PRODUCTS OR SERVICES IN JURISDICTIONS WHERE THE PROVISION OF THIS SITE AND SUCH INFORMATION, PRODUCTS AND SERVICES IS PROHIBITED BY LAW.

COPYRIGHT © CITIGROUP 2013. ALL RIGHTS RESERVED

This Site, including the software and code that comprise and operate this Site and all of the content of this Site, including all of the text, images, photographs, illustrations, graphics, audio clips, and video clips and other materials posted on this Site, all pages and screens, and all related metadata (collectively, the “Content”) are protected under U.S. and international copyright and other intellectual property laws and treaties. All rights in the Site, including the content of this Site, including all worldwide copyrights, are owned by Citigroup, Inc. unless otherwise indicated, who reserves all of its rights.

TRADEMARKS

All of the trademarks and service marks used or displayed on this Site, including the “look and feel” of this Site, CITI, Arc Design, CITI and Arc Design, Citibank and Citibank and Arc Design, CITIMORTGAGE, CITI NEVER SLEEPS, and CITIGROUP (collectively the “Marks”) are registered and unregistered trademarks and service marks of Citigroup and are used and if registered, are registered throughout the world. The Blue Wave design is trade dress of Citigroup and is used throughout the world. Citi also claims rights in certain other trademarks and service marks contained in these web pages.

USE OF INFORMATION AND MATERIAL

Permission is granted to view this Site and to print individual pages from this Site for your own personal, non-commercial use. You may download selected Content (as defined herein) displayed on this Site for your own personal use or for your company’s internal business use, provided (a) you do not remove or modify any copyright, trademark, or other proprietary notices or any disclosures; (b) you agree to any terms, conditions, and notices accompanying the Content; and (c) you comply with all copyright and other intellectual property laws. This limited, revocable, non-transferable privilege to use the Content in no way constitutes a transfer of any right, title or interest in the Content you download. You may also access and use the various Services provided through this Site including the financial tools, blogs, communications, informational and transaction services subject to your compliance with the registration requirements associated with such Services and your agreement to be bound by the terms and conditions associated with the specific Services provided through this Site. This is a grant of a license, not a transfer of title, and under this license you may not:

  1. modify or copy the Content (except as set forth in the preceding sentence);
  2. use the Content for any commercial purpose, or for any public display (commercial or non-commercial);
  3. attempt to decompile or reverse engineer any software contained on this Site;
  4. transfer the Content to another person or “mirror” the Content on any other server; or
  5. otherwise distribute, transmit, display, perform, reproduce, publish, license, or create derivative works from any information, material, software, products or Services on this Site.


This license shall automatically terminate if you violate any of these restrictions, and may be terminated by Citi at any time subject to any notice requirements with which Citi must comply in accordance with applicable law. Your eligibility for particular products and services is subject to final determination by Citigroup and/or its affiliates. Investment services are not bank deposits or insured by the FDIC or other entity, and are subject to investment risks, including possible loss of principal amount invested.

LINKS TO OTHER CITI SITES

This Site may contain links to other websites operated by Citi or its affiliates (“Citi Site(s)”). These other Citi Sites are separate and distinct websites, each of which serves a different purpose. Each other Citi Site is therefore governed by its own terms of use. You are responsible for reviewing the terms of use posted on each Citi Site you visit.

LINKS TO SITES OPERATED BY THIRD PARTIES

This Site may contain links to web sites controlled or offered by third parties (non-affiliates of Citi). While Citi makes these links available to you as a convenience, Citi disclaims liability for any information, materials, products or services posted or offered at any of the third party sites linked to this Site. By creating a link to a third party web site, Citi does not endorse or recommend any products or services offered or information or content contained at that web site, nor is Citi liable for any failure of products or services offered or advertised at those sites. Citi does not control or monitor such web sites. If you choose to access such web sites through the links on Citi’s web pages, you do so at your own risk and accept full responsibility for all related risks relating to your access and use of such non-Citi web sites. Note that such third party web sites may have a privacy policy different from that of Citi and the third party website may provide less security than the Citi Site.

NO WARRANTY

THE INFORMATION AND MATERIALS CONTAINED IN THIS SITE, INCLUDING TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED ON AN "AS IS", "AS AVAILABLE" BASIS. CITI AND ITS AFFILIATES DISCLAIM ANY AND ALL WARRANTIES OF ANY KIND, IMPLIED, EXPRESSED OR STATUTORY WITH RESPECT TO THIS SITE, ITS CONTENT, AND ANY PRODUCTS, SERVICES AND OPPORTUNITIES MADE AVAILABLE THROUGH THIS SITE, INCLUDING ANY AND ALL REPRESENTATIONS AND WARRANTIES, EXPRESS, IMPLIED OR STATUTORY: (A) OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS; (B) ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE; (C) RELATING TO THE SECURITY OF THIS SITE OR THE SECURITY OF ANY CONTENT UPLOADED TO THE SITE; (D) THAT THE SERVICES, CONTENT OR OTHER INFORMATION ON THIS SITE IS TIMELY, CURRENT, ACCURATE, COMPLETE, ERROR-FREE, RELEVANT OR RELIABLE; (E) THAT THIS SITE WILL OPERATE WITHOUT INTERRUPTION OR ERROR OR THAT ERRORS WILL BE CORRECTED; (F) THAT THE SITE OR ANY SERVICE THEREON WILL MEET YOUR REQUIREMENTS; OR (G) REGARDING THE QUALITY OF, OR THE RESULTS TO BE OBTAINED FROM USING THIS SITE, INCLUDING ITS CONTENT, OR PRODUCTS, SERVICES AND OPPORTUNITIES MADE AVAILABLE THROUGH THIS SITE.

LIMITATION OF LIABILITY

IN NO EVENT WILL CITI OR THEIR RESPECTIVE AGENTS, OR ANY OF THEIR RESPECTIVE EMPLOYEES, DIRECTORS AND OFFICERS, HAVE ANY RESPONSIBILITY OF ANY KIND OR BE LIABLE TO YOU, YOUR COMPANY, OR TO ANY THIRD PARTY FOR ANY DAMAGES, COSTS OR EXPENSES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH: (A) THIS SITE OR ANY LINKED SITE OR USE THEREOF OR INABILITY TO USE BY ANY PARTY; (B) ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE; (C) ANY CONTENT PROVIDED THROUGH THIS SITE OR ANY RELIANCE THEREON; (D) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (E) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SITE; (F) ANY PRODUCTS, SERVICES OR OPPORTUNITIES PROVIDED THROUGH THIS SITE OR (G) ANY OTHER MATTER RELATING TO THE SITE EVEN IF CITI, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

SUBMISSIONS

Any information submitted to Citi via this Site shall be deemed and remain the property of Citi, and Citi shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in the information you may provide to Citi through this Site. We will be entitled to use, make, reproduce, disclose, distribute, perform publicly, display publicly, create derivative works of, and reduce to practice any information submitted to us, for any purposes whatsoever, without restriction and without compensating you in any way. Citi shall not be subject to any obligations of confidentiality regarding the information, except as agreed by the Citi entity having the direct customer relationship or as otherwise specifically agreed or required by law.

TERMS AND CONDITIONS MAY CHANGE

We are continually adding features and functionality to this Site. Because of these changes, changes in the law, or changes in technology, we may need to revise these Terms and Conditions from time to time. Accordingly, we reserve the right to update or modify these Terms and Conditions, at any time and without prior notice, by posting the revised version of these Terms and Conditions on this Site. These changes will be effective as of the date we post the revised version on this Site. Your use of this Site following any such change constitutes your agreement to be bound by the revised Terms and Conditions. You may access the current version of these Terms and Conditions at any time by clicking on the link marked “Terms and Conditions” at the bottom of each page of this Site.

ADDITIONAL TERMS AND CONDITIONS

These Terms and Conditions may be supplemented or amended by other terms and conditions for the various Services provided through the Site (“Other Terms and Conditions”). For example, when you register to use a password-protected area of this Site, you may be asked to agree (by clicking on a word or checking a box) to special terms governing your use of that area of this Site. In the event of a conflict between these Terms and Conditions and any Other Terms and Conditions, the Other Terms and Conditions shall govern, but only with respect to the subject matter of the Other Terms and Conditions.

GOVERNING LAW

Use of this site shall be governed by all applicable Federal and State laws.