Terms of Use

1. Informational Purposes Only

The Site and its content are provided for general informational purposes. Nothing on the Site constitutes legal, regulatory, accounting, or compliance advice, creates a client relationship with Eight Nine, or is a substitute for advice tailored to your specific circumstances. Professional services are provided only under a written engagement agreement, and the terms of that agreement govern any engagement.

2. No Reliance

Regulatory requirements change and their application depends on facts specific to each institution. While we work to keep content current and accurate, we make no representation that Site content is complete, accurate, or up to date, and you should not act or refrain from acting based on Site content without obtaining professional advice.

3. Intellectual Property

The Site and its content — including text, graphics, logos, and downloadable materials — are the property of Eight Nine or its licensors and are protected by intellectual property laws. You may view, download, and print content for your own internal, non-commercial use, provided you retain all proprietary notices. You may not otherwise reproduce, distribute, modify, or create derivative works from Site content without our prior written consent.

4. Acceptable Use

You agree not to use the Site in any way that violates applicable law; to attempt to gain unauthorized access to the Site or its systems; to interfere with the Site's operation; or to use automated means to scrape, harvest, or index Site content without our prior written consent.

5. Third-Party Links and Tools

The Site may contain links to third-party websites or use third-party tools (such as scheduling services). We do not control and are not responsible for third-party sites or services, and linking does not imply endorsement. Your use of third-party sites and services is governed by their own terms.

6. Disclaimer of Warranties

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, EIGHT NINE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE. THIS SECTION APPLIES TO SITE USE ONLY; LIABILITY IN CONNECTION WITH PROFESSIONAL SERVICES IS GOVERNED EXCLUSIVELY BY THE APPLICABLE ENGAGEMENT AGREEMENT.

8. Privacy

Your use of the Site is also subject to our Privacy Policy, which describes how we collect and use information.

9. Changes

We may revise these Terms at any time by updating this page. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

10. Governing Law

These Terms are governed by the laws of the State of Utah, without regard to conflict-of-laws principles. Any dispute arising out of Site use will be brought exclusively in the state or federal courts located in Utah County, Utah.

11. Contact

Eight Nine Risk & Compliance LLC

3773 W 950 N

Lehi, UT 84043

advisory@eightninecompliance.com