Terms of Use

 

Welcome! This Web site is provided subject to these Terms of Use ("Terms") by SVB Financial Group, headquartered at 3003 Tasman Drive, Santa Clara, California 95054 ("SVB"). These Terms are a legal agreement and your use of this Web site constitutes your acceptance of the terms and conditions contained herein. If you do not agree to these Terms, you may not use this Web site.

  1. The Site and Online Conduct

As used in these Terms, "Site" means the entirety of this Web site including all content, services, information, and any portions thereof. This Site provides information about SVB products and services, news, and other content from SVB and third parties. Portions of the Site may also allow users to communicate or share information with SVB or others. When using this Site, you understand and agree that:

    • You will only use this Site as intended, and will not use this Site or any for any illegal, nefarious, or improper purpose;
    • You will not disrupt, interfere, infect, or alter (or attempt to do any of the foregoing) the Site in any way;
    • While using any forums or other social networking tools, you will conduct yourself appropriately and communicate with other users professionally and respectfully;
    • You may not obstruct, remove, or otherwise alter any proprietary rights, compliance, or other notices that may be provided with the content or services on the Site; and
    • SVB may, at any time and for any reason, terminate or block your access to this Site, or remove or alter the Site (or any portion thereof).

You may create an online user profile consisting of a username, password, and other information that you provide. If you provide information about yourself, you agree that you will provide correct and accurate information. Any personal information you provide will be subject to SVB's Privacy Policy.

You understand and agree that you are solely responsible for maintaining the privacy and security of your usernames and passwords, and for any activity associated with your online user profile. In the event that your username and password are compromised or you are aware of any unauthorized activity being conducted with your user credentials, you agree to immediately notify your SVB relationship manager or SVB.

  1. Banking & Financial Products

The Site may provide information regarding various banking and other financial products and services – including but not limited to deposit or financing products, credit lines, financial management or consulting – offered by SVB or SVB Affiliates (collectively, "Financial Services"). While these Terms will govern your use of this Site, separate agreements will govern provision of Financial Services. You understand and agree that the terms and conditions of these other agreements for Financial Services solely govern your use of such Financial Services – these Terms shall only govern your use of this Site.

  1. Intellectual Property

You understand and agree that SVB or its licensors hold all right, title, and interest to the Site and all intellectual property, material, content, or services provided through the Site. The foregoing applies regardless of (i) the form of intellectual property, (ii) how it was provided to you, or (iii) your geolocation.

You understand and agree that you may only use the content available on this Site as provided to you through the Site, unless otherwise expressly provided by SVB. You may not copy, modify, create derivative works from, distribute, reverse engineer, or decompile any content or intellectual property contained in or provided through this Site without SVB's prior written consent.

SVB maintains trademarks, service marks, logos, domain names, and other branding material for its various organizations, products, and services, and has a strong interest in maintaining the integrity of its intellectual property and brand. You understand and agree that you will not use any SVB trade or service marks, whether or not such marks are registered, without the prior written consent of SVB.

  1. Privacy

The protection of your information privacy and security is important to SVB. SVB complies with and is examined on its compliance with various government regulations regarding the provision of Financial Services, including the Gramm-Leach Bliley Act rules on safeguarding and privacy. SVB maintains a written information security program based on international standards that is monitored by SVB's Security office.

Please review SVB's Privacy Policy to better understand how we collect, protect, and use your information.

Additionally, SVB may collect and use information about general use of this Site to improve your experience, and better provide products and services. This may involve the use of cookies, which may be disabled through your Web browser.

  1. Links to Third-Party Sites

This Site may contain links to third-party sites, including some operated by our business partners or clients. You understand and agree that SVB has no control over these third-party sites, and that SVB is not liable for any damages, losses, or expenses that you may incur while using third-party sites. You further understand and agree that any links, references, logos, or news relating to third parties does not constitute an endorsement of, an advertisement for, or partnership with any such third party.

  1. Additional Terms and Conditions

SVB may host additional Web sites (or portions of this Site) or allow you to access additional services or content, some of which may be provided by third parties. These sites, services, and content may be subject to additional or modified terms and conditions. Any such additional terms and conditions will be provided or made available to you prior to or when accessing these sites, services, or content; and may be provided to you through a hyperlink, a click-through agreement, or other similar means. As with this Site, your use of other SVB Web sites, services, or content will constitute your continued acceptance of any additional or modified terms and conditions.

  1. User-Provided Content

While using the Site, you may be asked to and may provide to feedback, commentary, information, or other content (collectively, "User-Provided Content") to SVB and other users. You grant to SVB a worldwide, royalty-free, perpetual, irrevocable license to use, reproduce, modify, display, and distribute any User-Provided Content provided through this Site; and acknowledge and warrant that you have the right and authority to provide such license to SVB.

  1. Termination of these Terms

These Terms will continue until either party chooses to terminate them. This may be done by you at any time upon (1) receipt by SVB of written notice of your termination and (2) your ceasing to use and access the Site immediately; and may be done by SVB upon notice to you. If you access or use the Site after providing notice to SVB, you are assenting to these Terms anew. Termination of these Terms by either shall terminate any rights you may have to use any content provided through this Site; however, termination of these Terms shall not affect your rights to access and use Financial Services. Further, any licenses provided to SVB to use User Generated Content shall remain in effect unless otherwise agreed to in writing by the parties. Provision and termination of Financial Services are governed by separate agreements between you and SVB. Provision and termination of other online services may be governed by separate agreements, as provided in Section 6.

  1. EXCLUSION OF WARRANTIES FOR YOUR USE OF THE SITE

SVB DISCLAIMS ALL WARRANTIES, EXPRESS AND IMPLIED, TO THE FULLEST EXTENT PERMITTED BY LAW. USE OF THIS SITE IS AT YOUR SOLE RISK. THIS SITE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, OR NON-INFRINGEMENT. FURTHER, SVB DOES NOT WARRANT AND MAKES NO REPRESENTATIONS THAT THIS SITE (OR ANY PORTION THEREOF) WILL MEET YOUR NEEDS; WILL BE UNINTERRUPTED, SECURE, OR FREE FROM ERROR; OR WILL INFORMATION THAT IS CURRENT, ACCURATE, OR SHOULD BE RELIED UPON.

WITHOUT LIMITING THE FOREGIONG BUT FOR CLARIFICATION, ALL TERMS AND CONDITIONS FOR FINANCIAL SERVICES ARE PROVIDED IN SEPARATE AGREEMENTS BETWEEN YOU AND SVB INCLUDING BUT NOT LIMITED TO THOSE GOVERNING ANY WARRANTIES, REPRESENTATIONS, INDEMNITIES, OR LIMITATIONS OF LIABILITY RELATED TO FINANCIAL SERVICES.

  1. LIMITATIONS OF LIABILITY

SVB IS NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL, OR INCIDENTAL DAMAGES INCURRED BY YOU, UNDER ANY THEORY OF LIABILITY AND HOWEVER IT MAY BE CAUSED, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOSS OF GOODWILL OR REPUTATIONAL HARM, DATA LOSS, OR OTHER INTANGIBLE LOSSES. THIS LIMITATION INCLUDES, BUT IS NOT LIMITED TO, ANY DAMAGE OR HARM CAUSED BY INACCURACY OF THE DATA OR SERVICES PROVIDED (OR YOUR RELIANCE ON SUCH DATA OR SERVICES), CHANGES TO THE SITE, PERMANENT REMOVAL OF CONTENT FROM THE SITE (INCLUDING USER-PROVIDED CONTENT), OR BREACHES OF THESE TERMS BY YOU.

  1. Changes to the Terms, other SVB sites

SVB may, from time to time, change these Terms with or without notice to you. It is your responsibility to review the most current version of these Terms prior to use of the Site.

  1. SVB Financial Group Entities

You understand and agree that all members of SVB Financial Group are third-party beneficiaries of these Terms. This includes Silicon Valley Bank, SVB Asset Management, SVB Securities, SVB Analytics, and SVB Global, SVB Capital, and each of their affiliate organizations. As such, any SVB Financial Group entity or member organization (collectively, "SVB Affiliates") any rights provided herein also inure to the benefit of SVB Affilates, and any SVB Affiliate may rely upon these Terms and enforce any rights provided to SVB herein.

  1. General Legal Terms

These Terms and your use of this Site are subject by the laws of the State of California without regard to its conflict of laws provisions. Any dispute arising from or related to these terms may only be brought in the courts located in Santa Clara County, California. Although you may access this Site in other states or countries, your use of this Site still subjects you to the exclusive jurisdiction of these courts. These Terms are provided to you in any language other than English are for your convenience only; the English-language version will govern use of this Site.

SVB may occasionally provide you notices about changes to this Site, including the services and content provided in it. Such notices may be provided via email, standard mail, or through the Site.

You also understand and agree that failure of SVB or any SVB Affiliates to enforce their rights under this agreement or at law will not be considered a waiver of such rights.

These Terms constitute the entire agreement between you and SVB regarding your access and use of the Site, and may be modified or changed only upon separate written agreement provided by SVB. These Terms supersede any previous terms, conditions, or agreements of the parties regarding the use of the Site. Other SVB Web sites may provide changes or additions to these Terms.

  1. Compliance Notes

Silicon Valley Bank is a member of FDIC and Federal Reserve System. Products and services offered by other SVB Financial Group entities including SVB Capital, SVB Analytics, or eProsper are not insured by the FDIC or any other Federal Government Agency and are not guaranteed by Silicon Valley Bank or its affiliates. SVB Analytics and eProsper do not provide tax or legal advice. Please consult your tax or legal advisors for such guidance.

SVB Asset Management, a registered investment advisor, is a non-bank affiliate of Silicon Valley Bank and member of SVB Financial Group. SVB Securities is a non-bank affiliate of Silicon Valley Bank and member of SVB Financial Group; member FINRA and SIPC. Products offered by SVB Asset Management or SVB Securities are not FDIC insured, are not deposits or other obligations of Silicon Valley Bank, and may lose value.

eProsper is a majority-owned subsidiary of SVB Analytics and a non-bank affiliate of Silicon Valley Bank.

 

Revised 06.08.10.