This agreement explains when and how you may use the ABA Routing Database, published and maintained by Cramer Specialty Sales Inc., it’s parent Company.

In this agreement:

“DATABASE” means the Cramer Specialty Sales Inc. product you have purchased and the associated documentation and other materials;

“Registered Copy” means a copy of the DATABASE purchased from us or from an authorized Agent or Dealer, and which isnot described as a trial, shareware, or unregistered copy in the Program’s sign-on messages;

“we” or “us” means Cramer Specialty Sales Inc.;

“you” or “yourself” means the end user of the Program, or Service, or Subscription, whether they be Individual, Business, Company, Government Agency, Bank Credit Union, or any other Organization.

“general public” means anyone not directly employed by yourself or a business you represent including friends, relatives, family or other associates.

“in house” means you, yourself, purchasing Company, Business or other Organization and authorized employees.

This is a legal agreement which allows you, the end user, to use this DATABASE and/or SUBSCRIPTION SERVICE under certain terms and conditions. If you cannot agree to abide by what this agreement says you will not use this DATABASE and/or SUBSCRIPTION SERVICE.

The DATABASE and/or SUBSCRIPTION SERVICE is fully protected by International Copyright Law.

Your use of this DATABASE and/or SUBSCRIPTION SERVICE is subject to the following restrictions:

1. You agree you will NOT use the information contained in this DATABASE and/or SUBSCRIPTION SERVICE for illegal or fraudulent purposes.

2. You agree you will use the information contained in this DATABASE and/or SUBSCRIPTION SERVICE in accordance with the license level purchased.

3. If you have more than one company, business or organization that utilizes this DATABASE and/or SUBSCRIPTION SERVICE, in whole or in part, you must purchase a separate  license for each.

4. Access to our Virtual Terminals or Database Download page(s) is/are limited to 2 I.P. addresses. More  than 2 I.P. addresses will be flagged by the system and may result in suspension or termination of your account as it may be constued as I.P. sharing which is prohibited.

5. Notwithstanding, all other aspects of our Terms and Conditions that may or may not be included here, will apply in it’s entirety to the is Licensing Agreement which by subscribing to our service, agree to in it’s/their entirety.

STANDARD LICENSE AGREEMENT – DATABASE ONLY:

Under the Standard license agreement, you may use this DATABASE and the information contained for research purposes only, and only by those within your Business, Company or Organization that are  authorized to do so, without limitation to the  number of computers or terminals networked or otherwise.

You may not resell this DATABASE in whole or in part to anyone at anytime.

You may not make this DATABASE in whole or in part, available to the general public at anytime for free or for a fee.

You may not install this DATABASE in whole or in part into any software or other electronic or printed medium for public distribution.

In accordance of the aforementioned, you may install this DATABASE on one or more computers, either individual systems or networked for research purposes “in house”.

You may also install this database on a server for accessibility to satellite terminals within the purchased license level.

COMMERCIAL LICENSE AGREEMENT – DATABASE ONLY:

Under the COMMERCIAL LICENSE AGREEMENT, you may use this DATABASE and the information contained for monetary gain.

You may re-sell this DATABASE to the general public for a fee, providing it is in accordance with the U.S. Homeland Security Act, and other such sanctions and anti-terrorist legislation as
instituted by your country, by any legal means you wish.

You may provide this DATABASE to the general public for FREE providing it is in accordance with the U.S. Homeland Security Act, and other such sanctions and anti-terrorist legislation as instituted by your country by any means legal means you wish.

You may alter or modify this database in whole or in part to satisfy yourneeds, providing it is in accordance with the U.S. Homeland Security Act, and other such sanctions and anti-terrorist legislation as instituted by your country, by any legal means you wish.

You may use this database and incorporate it into any lawful electronic medium you require, providing it is in accordance with the U.S. Homeland Security Act, and other such sanctions and anti-terrorist legislation as instituted by your country, by any legal means you wish.

IN GENERAL:

You may NOT use this DATABASE and/or SUBSCRIPTION SERVICE for fraudulent or criminal action.

We cannot promise that the DATABASE and/or SUBSCRIPTION SERVICE will be free of bugs or program errors, but if you report a DATABASE and/or SUBSCRIPTION SERVICE error or bug to us, we will do our best to correct it.

Disclaimer for Registered Copies: except as stated above, we disclaim any and all warranties, express or implied, oral or written, including any implied warranties of merchantability or fitness for a
particular purpose. By your purchase of this DATABASE and/or SUBSCRIPTION SERVICE, you fully agree with this disclaimer.

Limitation of liability: in no event shall we be liable for any incidental, consequential, or punitive damages whatsoever arising out of use of the DATABASE and/or SUBSCRIPTION SERVICE or your relationship with us. Note that some states in the U.S. and elsewhere do not allow exclusion or limitation of liability for incidental or consequential damages, therefore the above limitation may not apply to you.

In the event of errors in the DATABASE and/or SUBSCRIPTION SERVICE, the sole responsibility of the developer will be to correct such errors in a succeeding edition or update of the DATABASE and/or SUBSCRIPTION SERVICE.  Cramer Specialty Sales Inc., it’s dealers and re-sellers disclaims all liability for loss or incidental or consequental damages arising from the use of the information contained within this software and/or it’s database and/or subscription service.

The database and/or subscription service is copyright, and is for the sole use of the individual or company licensed to use the information contained within it, in accordance with the license level purchased.

Any infrigement of  this copyright will cause this license agreement to become null and void, and all rights to use this software and associated database and/or subscription service ill be revoked.

By installing and/or use of this DATABASE, or subscribing to any of our services in general, you are indicating your understanding and acceptance of this license agreement AND our terms of service in it’s/their entirety.