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Legal

Legal Information and Website UseApril 2021

Company: OnboardXi.
State of Domicile: Kansas
Principal Place of Business: 102 West 2nd Street, Fort Scott, KS 66701


Entity is not licensed to sell or advise on financial products

Please carefully read this notice before you use this Website. This Website is provided by OnboardXi and any affiliates (collectively "OnboardXi") and may be used for informational purposes only. By using this Website, or downloading materials from it, you agree to abide by the following terms and conditions. If you do not agree with the following conditions of use, please exit this Website.

 

Website Content
OnboardXi created this Website to be used by the general public and our affiliated financial service providers. The Website does not, and it is not intended to, provide any financial, legal, accounting, or tax advice, and must not be relied upon by you in that regard. The Website should not be used, or relied upon by you, as a substitute for your independent research or consultation with your own financial, legal or tax advisors.

The information, text, graphics and links provided in this Website are provided by OnboardXi as a convenience to you. OnboardXi will use reasonable efforts to include accurate and up-to-date information. However, due to the nature of the Internet, OnboardXi does not warrant and cannot guarantee the accuracy, completeness or authenticity of the information contained in this Website, or the information, text, graphics, links, Website functionality, and other items contained on this server or its suitability for any purpose.

OnboardXi does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this Website or the server that makes it available is free of viruses or other harmful components as such information is received by you because OnboardXi cannot control the transmission of information over this medium. OnboardXi does not warrant or make any representations regarding the use of, or the results of the use of, the materials on this site, or your transmission of any software, data or information from the Website to you.

Information provided on this Website is believed to be reliable when posted. However, we cannot guarantee that information will be accurate, complete and current at all times. This Website could include technical inaccuracies or typographical errors. OnboardXi will from time to time revise the information, products and services described in this Website, and reserves the right to make such changes without notice.

Liability
The use of this Website is entirely at your risk. The materials and information in this Website (including text, graphics, and functionality) are presented without express or implied warranties of any kind and are provided "as is". It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided.

OnboardXi intends for the information contained in this Website to be accurate and reliable. However, errors sometimes occur. Therefore, OnboardXi to the full extent permitted by applicable laws disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose as to any matter whatsoever relating to this Website or the information contained herein.

To the full extent permitted by applicable laws, in no event shall OnboardXi, its agents, employees, directors, and officers be liable for any damages of any kind caused to any person as a consequence of the use of this Website including but not limited to any direct, special, incidental, indirect or consequential damages of any kind including but not limited to loss of use, loss of data or loss of profits, whether or not advised of the possibility of such damage, or based upon any theory of liability, arising out of or in connection with the use or performance of this Website or the information contained herein. We will not be responsible for any detrimental reliance that you may place upon the Website or its contents.

Copyright
This Website is provided for your personal viewing and OnboardXi maintains all copyrights in the text, buttons, layouts, graphic images and logos contained in this Website. Except as stated herein, no portion of this Website or its contents may be reproduced, copied, republished, altered, or transmitted, uploaded, downloaded, or posted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of OnboardXi.

Modification of the materials or use of the materials for any other purpose is a violation of OnboardXi's copyright and other proprietary rights. The use of any such material on any other Website or networked computer environment is prohibited.

You may print a copy of the information contained herein for your personal use only, but you may not reproduce or distribute the text or graphics to others or substantially copy the information on your own server, or link to this Website, without prior written permission of OnboardXi.

An acknowledgment of the source must be included whenever our materials are copied or published. Any infringement of our rights will result in appropriate legal action. OnboardXi disclaims any and all liability which may result from any unauthorized reproduction or use of the information on this site.

License and Reproduction
Permission is granted to print copies of portions of this Website, but not the entire Website, and to display and navigate around this Website with a computer using HTML browser software, solely for personal use and for your commercial use as part of engaging in OnboardXi services. Any other commercial use of this Website or any portion hereof is strictly prohibited. A hyperlink to the Uniform Resource Locator (URL) of this Website in HTML documents which you prepare, must be approved in writing or via email, prior to making such hyperlink, and is subject to the following conditions: (a) the URL may be used only for the purpose of hyperlinking to OnboardXi's home page at "https://www.OnboardXiloop.com"; (b) the URL shall be clearly identified as being a link to a Website owned and operated by OnboardXi; and (c) you will make no other use of any OnboardXi intellectual property, other than the URL, without OnboardXi's express written permission.

Trademarks
The OnboardXi logo shown here  (with variations) and the OnboardXi mark are registered trademarks of OnboardXi. All trademarks, service marks, and trade names are proprietary to OnboardXi or its third party licensors. OnboardXi and its third party licensors enforce their respective intellectual property rights. Use in commerce other than as "fair use" is prohibited by law except by express license from OnboardXi or its third party licensors.

Viruses
Because of the marked increase in the fabrication and proliferation of computer viruses affecting the Internet, we want to warn you about infections or viral contamination on your system. It is your responsibility to scan any and all downloaded materials received from the Internet. OnboardXi is not responsible or liable for any damage caused by such hazards.

OnboardXi cannot and does not guarantee or warrant that files available for downloading from this Website are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. OnboardXi does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title, noninfringement or fitness for a particular purpose) with respect to the files available for downloading from this site. In no event will OnboardXi be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded from this site.

 

Security
Information submitted into secured regions of our Website is protected by OnboardXi using three layers of security:

  • Users are required to login using a unique user ID and password. A second factor of identification may also be required to access certain materials or information.

  • A firewall (a combination of computer hardware and software) keeps unauthorized users from accessing information within OnboardXi's computer network.

  • Encryption technology is used to secure data when it's being transferred from one computer to another.

However, all other information submitted to OnboardXi while not logged into secured regions of this Website including electronic mail inquiries, is submitted through the Internet, which is an unsecured, public network.

Although OnboardXi employs the most current and stringent Internet security standards, you acknowledge and confirm that the Internet is not a secure medium where privacy can be ensured, and that complete security and confidentiality over the Internet is not possible at this time. Your confidential use of the Website cannot be guaranteed and you acknowledge that your use of the Website (including information you transmit to the Website) may be subject to access by, or disclosure to, other persons. Without limiting any other disclaimer herein, OnboardXi shall not be responsible or liable for any harm that you or any other person may suffer in connection with any such breach of confidentiality or security.

 

Linked Websites
Other Internet or Websites which may provide access to this Website by hypertext links ("hyperlinks") are entirely independent of this Website. Links to other Internet or Websites from this Website are included as a convenience for our visitors and in no way are meant to imply that OnboardXi endorses, sponsors, promotes or is affiliated with the owners of or participants in those sites, or endorses any information contained on those sites, unless expressly stated. OnboardXi does not guarantee the accuracy of any information in these other sites nor does it assume any liability for the content or presentation of linked sites.

OnboardXi cannot guarantee that the hyperlinks set out on our Website will be accurate at the time of your access. Moreover, the sites pointed at by hyperlinks have been independently developed and possibly maintained by person(s) over whom OnboardXi has no control. OnboardXi cannot and does not monitor the sites linked to its pages on the Internet or any transmission made through the respective web pages and news groups. Accordingly, OnboardXi assumes no responsibility for the content of any site referenced to by any hyperlink or otherwise. OnboardXi believes that our making available hyperlinks to publicly accessible web pages is legally permissible and consistent with the common, customary expectations of those who make use of the Internet.

Governing Laws
The applicable federal laws and the laws of the state of Kansas shall govern as to the interpretation, validity and effect of this policy and any use of the Website, without giving effect to any principles of conflicts of law. If any provision of this policy shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this policy and shall not affect the validity and enforceability of any remaining provisions. You hereby consent and submit to the non-exclusive jurisdiction of the courts of the state of Kansas, or the federal courts situated in the state of Kansas, in any action or proceeding instituted under or related to this policy or your use of this Website.

Service Request Forms
Any information requested is for our internal use to service your request. It is not shared with any third party, unless permitted by you or required by law.

Interactive Forms or Calculators
Any interactive forms or calculators on this Website are there for your information only and are intended as a guide. OnboardXi may track, retain and/or use any of the data input into these forms for our internal use only.

Submissions
OnboardXi welcomes your comments regarding our Website. While we do value your feedback, we ask that you not submit to us any suggestions, materials, ideas or creative concepts for new, modified or different products or services via this Website. OnboardXi requests this in order to avoid confusion in the future regarding the origin of the concept, product or service.

If, despite our request that you not send us any creative materials, you in fact send us creative suggestions, ideas, concepts or other information (collectively, the Information), such Information shall be deemed by OnboardXi to be, and shall remain, the property of OnboardXi. None of the Information shall be subject to any obligation of confidence on the part of OnboardXi and OnboardXi shall not be liable for any use or disclosure of any Information. Without limiting the foregoing, OnboardXi shall exclusively own all rights to the Information of every kind and nature and shall be entitled to unrestricted use of the Information for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Information.

Online Privacy PolicyApril 2021

Introduction

The privacy of your information is important to us at OnboardXi. We are committed to maintaining the highest level of confidentiality with all of the information we receive through our website. OnboardXi. has established the following Online Privacy Policy that describes how we use the information we collect from our website visitors. To learn more about how we protect information that is collected from you when you register to use our site or request a product or service from us, please refer to Our Privacy Promise.

Collection and Use of Personal Information

Visitors are not required to provide personal information to browse the information found on our websites. Personal information is only collected when you voluntarily provide it to us, for example when you register to use the site or services. Personal information may include first and last name, address, email address, telephone number, and Social Security number. In order to provide some services to you, we may also collect regulatory license and affiliation data, and payment information required to use our services. Information provided by you through our websites is used only to help maintain the business relationship you have with us, or encourage such a relationship. We do not sell information about you. We do not share your information with anyone else for their marketing purposes.

Tracking Website Visitors

OnboardXi gathers aggregate tracking information from our website visitors. This aggregate tracking information is:

  1. Collected on an aggregate, anonymous basis, which means no personal information is associated with this data.

  2. Gathered through the use of Web server logs and cookies. A Web server log is a file where website activity is stored. A cookie is a small piece of information that a website sends to a visitor's computer, which is stored on his or her hard drive. OnboardXi uses cookies to track repeat visits to its website. Although OnboardXi assigns a cookie to a visitor's computer, the company does not know who that visitor is unless that person specifically tells us by logging in to our site.

  3. Used for purposes of direct marketing to visitors to our website through social platforms.

 

To enable us to continually improve the content we offer our website visitors, as well as for systems administration purposes, we collect aggregate information site-wide. This gives us an idea of which parts of our website you are visiting. We do not link IP addresses to anything personally identifiable. This means that a visitor's session will be tracked, but the user will remain anonymous.

In order to provide services in our website, if OnboardXi receives 'do not track' signals, we do not take any action to comply with such requests.

Website Security

OnboardXi is committed to protecting the personal information that you entrust to us. That is why we use the most current encryption technology available to ensure secure transmission of your information provided through our secure log in screens and online forms. Please understand that some channels in the Internet are not a completely secure medium of communication. For example, any email messages that you send to us may traverse several third-party communication backbones and some or all of these may be unencrypted. Therefore, messages sent to or from this website may be accessed by unauthorized users. To protect your privacy, please do not use email to communicate information that you want kept confidential. OnboardXi will not send unencrypted confidential data via email to any party. If you are concerned about the security of the Internet for the communication of personal information, you may consider using alternative forms of communication such as telephone, fax, or regular mail. We do not guarantee or warrant that any part of this Website, including files available for download, are free of viruses or other harmful code. It is your responsibility to take appropriate precautions, such as the use of anti-virus software, to protect your computer hardware and software while using the Internet.

Please review this Online Privacy Policy frequently as it may change at any time at OnboardXi's sole discretion. As a courtesy, OnboardXi may notify registered users of a material change to this policy.

Our Privacy PromiseApril 2021

OnboardXi makes every reasonable effort to ensure the privacy of the data you entrust to us.

  • We do not sell information about you.

  • We do not share your information with anyone for their marketing purposes.

  • We use your personal information to help maintain and grow the relationship you have with us.

Privacy Notice to All

Whether you are a customer, prospective customer, business partner, job applicant, a visitor to a OnboardXi office, or an attendee at a OnboardXi hosted or sponsored event, you have entrusted us to safeguard the personal information that you have shared with us. We are providing this privacy notice to assist you in understanding the types of personal information we collect, where we receive it, how we use it, and how we protect the privacy of the personal information shared with us.

Where Do We Get Personal Information, Why Do We Collect It, and What Do We Collect?

Most of the personal information we collect is obtained with your consent from you, one of our customers, an organization with whom we do business that has authority to share such information, or through other authorized sources. We primarily collect personal information to confirm your identity, verify licensing information, and manage your relationship with us. The type of information that we collect depends on our relationship with you.

 

This includes:

  • Information you or a person on your behalf provides on an application or other form (for example, name, address, social security number, government identification number, or license affiliations);

  • Information we get with your consent from other third party sources such as credit reporting agencies or license regulators;

  • Information about your relationship and history with us;

  • Information on your interactions with our websites.

As a courtesy, OnboardXi may provide registered users with an updated notice if the types of personal information we collect, or use, is materially different, unrelated, or incompatible with this notice or the notice requires a material change.

How Do We Use and Disclose Your Information?

We may provide information to individuals and entities with whom you authorize us to share such information. If necessary, we disclose information when it is required by law, for example, a filing to the Internal Revenue Service (such as Form 1099). We may also disclose certain information to other entities to help us report or prevent fraud, including reports to regulatory or law enforcement agencies.  We do not share medical or health information, if gathered, with any unrelated companies, except as needed to maintain and process your transactions.

OnboardXi may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose or as you authorize, we require the recipient to keep that personal information confidential and not use it for any purpose except performing the service. Categories of third parties that may be given access to your personal information will depend upon your unique relationship with us.

 

Examples of these categories include:

  • Consultants and contractors (e.g., external auditors)

  • Financial services professionals

  • Software service providers

  • Attorneys and other legal professionals

  • Cloud service providers

  • Regulatory agencies

  • Third party administrators

  • Event Facilitators & Coordinators

How Do We Protect the Security of Your Information?

We have policies that maintain the physical, electronic, and procedural safeguards to protect the confidentiality of your personal information while at rest (stored in or system drives) and in-flight (while being used as part of a transaction or regular data retrieval). Access to your personal information is limited to those who need to know it to help service our relationship with you. Should your relationship with us end, we will continue to follow the privacy policies described in this notice to the extent that we retain information about you. If we no longer need to retain that information, we will dispose of it in a secure manner.

Do You Need to Do Anything?

It is not necessary for you to take any action as part of our privacy policies. This is because we do not share your information except to service and grow the business relationship you have with us. You do not need to "opt-out" or "opt-in" as you may have done with other companies because we do not sell your information.

You May Request Your Information

You may request what information OnboardXi has collected about you and its purpose. We will provide a response once we receive and confirm your request.

All requests must provide sufficient information to allow us to reasonably verify your identity. We require a signed authorization form providing specific personal information that we should have on file for you. To verify your identity, we will compare the information provided to the information we have on file. Your name, address, and relationship with OnboardXi are mandatory data elements and will be used in combination with other information such as your licensing information, date of birth, social security number, or other identifying information. You do not need to create an account to request your information. Please contact us via Contact Us to begin your request.

Confidentiality Practices for Victims of Domestic Violence or Abuse

OnboardXi understands that certain personal information may require special handling. This may be especially true in instances where an individual is, or has been, a victim of domestic violence or abuse. This information may include the individual's address, telephone number, name and place of employment, and other contact or location information.

If you are a OnboardXi customer who is a victim of domestic violence or other abuse, and would like OnboardXi to take steps to further safeguard your information from others or need to remove a previously submitted request, please contact us for assistance. We will make every effort to further restrict use or access to your sensitive personal information without requiring you to disclose your personal situation details.

OnboardXi, as referred to in this notice, means OnboardXi.

Residents of California

The information below supplements Our Privacy Promise and applies to residents of the State of California. The California Consumer Privacy Act of 2018 (CCPA) defines categories of personal information as the following:

Information Categories and Examples

Personal Identity, Financial, and Personal Health

  • Name

  • Alias

  • Address

  • Signature

  • Driver's license

  • Email address

  • Social Security number

  • Medical information

  • Health insurance information

Protected Classification Characteristics

  • Race

  • Ancestry

  • Citizenship

  • Marital status

  • Medical condition

  • Physical or mental disability

  • Sex (including gender, gender identity)

Commercial Information

  • Personal property

  • Products or service purchased

Biometric Information

  • Genetic characteristics

  • Physiological characteristics

  • Biological characteristics

Internet or Other Similar Network Activity

  • Information on your interaction with our websites

Sensory Data - Audio, Electronic, Visual, Thermal, Olfactory or similar information

  • Voice & Video Recordings

  • Photographs

Professional or Employment-Related Information

  • Current or past job history

Inferences Drawn from Personal Information

  • Profile created by analyzing information provided (for example, underwriting analysis)

OnboardXi obtains some or all of the categories of personal information listed above from the following categories of sources:

  • Directly from you or someone on your behalf

  • Financial service professional or firm

  • Regulator and licensing agencies

  • Publicly available records

  • Other third parties (e.g., consumer reporting agency, credit reporting agency, staffing agency, companies that provide services to us)

  • Analytical technology (e.g., internet usage, cookies, or automated underwriting technology)

OnboardXi may disclose all categories of personal information as necessary or appropriate with the following categories of third parties:

  • Consultants and contractors (e.g., external auditors)

  • Financial services professionals

  • Software service providers

  • Attorneys and other legal professionals

  • Cloud service providers

  • Regulatory agencies

  • Third party administrators

You may request OnboardXi to delete personal information that we have collected and retained. Once we receive and confirm the request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies. We will not discriminate against you for exercising any of your rights. Please see the You May Request Your Information section above for more information on how to submit a deletion request.

Please be aware that certain legal and regulatory requirements require us to retain your personal information for a specific period of time which may impact our ability to process your deletion request.

If you request that your personal information is deleted, any OnboardXi user accounts registered to you and any unprocessed transactions with us will be canceled. At our discretion, pending transactions may be completed before your personal data is deleted and any monies owed us will still be due and payable.

 

Help Us Protect Your Privacy

OnboardXi will never ask you for any type of personal information by email.

OnboardXi values your privacy and takes every reasonable step to protect the information that you have entrusted in us. That is why we will never request your personal information via email.

If you receive an email that appears to be from OnboardXi, and the message asks you for personal information such as your social security number, birth date, government identification number or any other sensitive information, DO NOT RESPOND or click any links in the email. The message is not from OnboardXi and is a type of crime known as a "phishing" attempt.

Phishing is a cybercrime in which a target or targets are contacted by email, telephone or text message by someone posing as a legitimate institution to lure individuals into providing sensitive data such as personally identifiable information, banking and credit card details, and passwords. The information is then used to access important accounts and can result in identity theft and financial loss.

As part of the phishing attempt, the email from the fraudsters may look legitimate and it may contain links to sites like OnboardXi, that look real on the surface but are just imitations.

Privacy Safety Tips:

  • Keep your software (operating system and internet browser) up-to-date.

  • Make sure you have anti-virus software and a personal firewall enabled and current on your computer.

  • Be suspicious of any email that asks for personal information, requests your authentication, or indicates a problem with your OnboardXi account.

  • Be aware that legitimate companies generally do not ask customers to verify personal information by sending email.

  • Never respond to an email asking for your credit card or other payment information.

  • Avoid sending personal and financial information by email.

  • Never click on a link in an email if you are unsure of its origins, especially if the email asks for personal financial or account credential information.

  • If you receive a questionable email that contains OnboardXi's name or logo, do not reply by email and do not click on any links. If you have any concerns about an email that you have received, contact us by telephone or by using the Contact Us link on our Website.

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