Terms & Conditions Governing Your Use of This Website

Last Updated – July 2024

PLEASE READ THIS TERMS & CONDITIONS AGREEMENT CAREFULLY BEFORE USING THIS WEBSITE. Central Portfolio Control (“we,” “us”) provides this website and website-related services, if any, (collectively, the “Site”) subject to your compliance with the terms and conditions set forth in this agreement (the “Agreement”). This Agreement governs the relationship between us and you, the Site visitor, with respect to your use of the Site. It is important that you read carefully and understand the terms and conditions of this Agreement. BY USING THE SITE, YOU AGREE TO BE BOUND BY THIS AGREEMENT. If you do not agree to these terms and conditions, you must not use the Site.

We may, at any time, at our sole discretion, revise or otherwise update this Agreement by posting an amended Agreement on the Site; any changes that we make to this Agreement will be effective immediately upon posting. Please check this page periodically for changes to the Agreement; you will be able to determine if this Agreement has been changed since your previous visit by viewing the “Last Updated” information that appears at the top of this Agreement. Your use of the Site following the posting of an updated Agreement constitutes acceptance of the updated Agreement.

Further, we reserve the right, at any time, to modify or discontinue, temporarily or permanently, the Site (or any part thereof) without notice. You agree that we shall not be liable to you or to any third party for any modification, suspension, discontinuance of the Site or of any Materials (as defined below).

If you have any questions about this Agreement, please contact us at the following address: 10249 Yellow Circle Drive, Suite 200, Minnetonka, MN 55343

1. Important Notices. We make available the information and materials on the Site (the “Materials”) for general informational purposes only. Further, the Materials are general in nature and may not apply to particular factual or legal circumstances. In addition, unsolicited emails and information sent to us do not create a relationship with us, will not be considered confidential and may be disclosed to others pursuant to our Privacy Policy.
2. Rules of Conduct. You agree to comply with all applicable laws, rules and regulations in accessing and/or using the Site and/or any Materials. In addition, your use of the Site is conditioned on your compliance with the following rules of conduct. You agree not to:

• Use the Site for any fraudulent or unlawful purpose.
• Impersonate any person or entity, including, but not limited to, any Site employee, agent or representative; falsely state or otherwise misrepresent your identity or your affiliation with any person or entity; or express or imply that we endorse any statement you make.
• Interfere with or disrupt the operation of the Site.
• Transmit or otherwise make available in connection with the Site any virus, worm, Trojan Horse or other harmful code.
• Restrict or inhibit any other person from using the Site, including by means of hacking or defacing any portion of the Site.
• Interfere with or violate any other Site visitor’s or user’s right to privacy or other rights, or harvest or collect personally identifiable information about Site visitors or users, or about our attorneys, other employees and representatives identified on the Site, without their express consent.
• Sell, resell, transfer, license or exploit, for any commercial purposes, any use of or access to the Site or the Materials.
• Modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Site or Materials.
• Frame or mirror all or any part of the Site without our prior express written authorization.

3. Central Portfolio Control ‘s Proprietary Rights. You acknowledge and agree that the Site and the Materials are, and shall remain, the property of Central Portfolio Control and/or its licensors and are protected by copyright, trademark and/or other proprietary rights and laws. Except as expressly authorized in advance by us, you agree not to copy, distribute, transmit, display, perform or create derivative works of the Site or any of the Materials, provided that, subject to your compliance with this Agreement, we do grant to you a limited, personal, revocable, non-transferable and non-sub licensable license to (a) access the Site and the Materials via the Internet solely for purposes of viewing such materials and (b) to print out pages of the Site for your personal, non-commercial use.

Trade names, trademarks and service marks of Central Portfolio Control include “ ” and any associated logos. All trade names, trademarks and service marks on the Site that are not owned by us or our affiliates are the property of their respective owners. The trade names, trademarks and service marks owned by Central Portfolio Control or its affiliates, whether registered or unregistered, may not be used in connection with any product or service that is not either ours or one of our affiliate’s product or service or in any other manner that is likely to cause confusion or dilution. Nothing on the Site should be construed as granting, by implication, estoppel or otherwise, any right or license to use any of Central Portfolio Control ‘s (or its affiliates’) trade names, trademarks or service marks without our (or the relevant affiliate’s) prior express written permission.

E-SIGN ACT DISCLOSURE AND CONSENT

This E-SIGN Disclosure and Consent (“E-SIGN Disclosure”) applies to all communications between you and Central Portfolio Control that are not otherwise governed by the terms and conditions of an electronic disclosure and consent.

The words “we,” “us,” and “our” refer to Central Portfolio Control and the words “you” and “your” mean you, the individual consumer identified on the account(s) (“Account(s)”) giving this E-SIGN consent. “Communication” means any agreements or amendments thereto, disclosures, notices, responses to claims, transaction history, privacy policies and all other information related to the product or service offered, including but not limited to information that we are required by law to provide to you in writing.

1. Scope of Communications to Be Provided in Electronic Form. When you use a product or service to which this E-SIGN Disclosure applies, you agree that we may provide you with any Communication in electronic format, and that we may discontinue sending paper Communications to you unless otherwise required by law, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to:

• All legal and regulatory disclosures and Communications associated your Account;
• Notices or disclosures about a change in the terms of your Account or associated payment feature and responses to claims;
• Privacy policies and notices;
• Communications that we may include from time to time relevant to your Account.

2. Method of Providing Communications to You in Electronic Form. All Communications that we provide to you in electronic form will be provided either (1) via e-mail, (2) by access to a website that we will designate in an e-mail notice we send to you at the time the information is available, (3) to the extent permissible by law, by access to a website that we will generally designate in advance for such purpose, or (4) by requesting you download a PDF file containing the Communication.

We may always, in our sole discretion, provide you with any Communication via paper, even if you have chosen to receive it electronically.

3. How to Withdraw Consent. You may withdraw your consent to receive Communications in electronic form by contacting us at [email protected] or by calling (888) 894-1220, Monday – Thursday 8am to 8pm and Friday 8am to 4pm, or by contacting us by mail at 10249 Yellow Circle Drive Suite 200 Minnetonka, MN 55343. At our option, we may treat your provision of an invalid email address, or the subsequent malfunction of a previously valid email address, as a withdrawal of your consent to receive electronic Communications. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications; however your access and use of our online services may be terminated. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.

4. How to Update Your Records. It is your responsibility to provide us with true, accurate and complete e-mail address, contact, and other information related to this E-SIGN Disclosure and your Account(s), and to maintain and update promptly any changes in this information. You can update information (such as your e-mail address) by contacting us at [email protected] or by calling (888) 894-1220, Monday – Thursday 8am to 8pm and Friday 8am to 4pm, or by contacting us by mail at 10249 Yellow Circle Drive Suite 200 Minnetonka, MN 55343.

5. Hardware and Software Requirements. In order to access, view, and retain electronic Communications that we make available to you, you must have at the minimum:

• a Current Version (defined below) of an Internet browser we support,
• a connection to the Internet,
• a Current Version of a program that accurately reads and displays PDF files (such as Adobe® Acrobat® Reader),
• a computer and an operating system capable of supporting all of the above. You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form, and
• an active email address.

By “Current Version,” we mean a version of the software that is currently being supported by its publisher.

We reserve the right to discontinue support of a Current Version of software if, in our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for use with electronic services.

6. Requesting Paper Copies. We will not send you a paper copy of any Communication, unless you request it, it is required by law, or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, contact us at [email protected] or by calling (888) 894-1220, Monday – Thursday 8am to 8pm and Friday 8am to 4pm, or by contacting us by mail at 10249 Yellow Circle Drive Suite 200 Minnetonka, MN 55343. There is no charge for the delivery of paper copies of any Communication provided to you electronically pursuant to this authorization. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.

7. Communications in Writing. All Communications in either electronic or paper format from us to you will be considered “in writing.” You should print or download for your records a copy of this E-SIGN Disclosure and any other Communication that is important to you.

8. Signature. By using the online services of Central Portfolio Control, you agree that an electronic facsimile of your signature or electronic agreement carries the full legal weight of a written signature.

9. Federal Law. You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (“Act”), and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

10. Termination/Changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

11. Consent. By agreeing to use the online system requiring electronic signature, e-statements, or e-notifications, or by other confirmation, you hereby give your affirmative consent to provide electronic Communications to you as described herein. You further agree that your computer satisfies the hardware and software requirements specified above and that you have provided us with a current e-mail address at which we may send electronic Communications to you.

12. SMS / Text Messaging

You agree that if you provide express consent to receive text messages (SMS and/or MMS) that we will communicate account and offer information via text messages.

Message and data rates may apply for messages sent to you or that you receive from Central Portfolio Control. Message frequency may vary based on account activity. You may opt-out any time to stop text communications.

For help reply HELP to any message we send using our short code / number you received the message on or contact us at 800-606-6841.

To unsubscribe from receiving text communications, reply STOP to our short code / number you received the message on.

Message frequency varies. If your handset does not support MMS, any MMS messages sent may be delivered as SMS messages.

Wireless carriers and our service providers are not liable for undelivered or delayed messages.

For more information please visit our Privacy Policy.

Opt-In for Text Messaging