Bank safety ratings based upon financial institutions’ Capital Adequacy, Asset Quality, Management, Earnings, Liquidity, and Sensitivity (CAMELS)

Terms Of Use

1. Introduction

The Terms and Conditions written on this webpage shall manage your use of this Website. These Terms will be applied fully and affect your use of this Website. By using this Website, you agreed to accept all terms and conditions written herein.

2. Intellectual Property Rights

Other than the content you own, BankCAMELS owns all the intellectual property rights and materials contained on this Website.

3. Restrictions

You are specifically restricted from all of the following

  • • publishing any Website material in any other media without citing this Website;
  • • selling, sublicensing and/or otherwise commercializing any Website material;
  • • using this Website in any way that is or may be damaging to this Website;
  • • using this Website in any way that impacts user access to this Website;
  • • using this Website contrary to applicable laws and regulations, or in any way may cause harm to the Website, or to any person or business entity;
  • • engaging in any scraping, data mining, data harvesting, data extracting or any other similar activity in relation to this Website;
  • • using this Website to engage in any advertising or marketing.

Any user ID and password you may have for this Website are confidential and you must maintain confidentiality as well.

4. Your Content

Your Content means any document, text, images or other material you choose to display on this Website. By displaying Your Content, you grant BankCAMELS a non-exclusive, worldwide irrevocable, sub-licensable license to use, reproduce, adapt, publish, translate and distribute it in any and all media.

Your Content must be your own and must not be invading any third-party’s rights. BankCAMELS reserves the right to remove any of Your Content from this Website at any time without notice.

5. No warranties

This Website is provided as is, and BankCAMELS expresses no representations or warranties, of any kind related to this Website or the materials contained on this Website. Also, nothing contained on this Website shall be interpreted as financial advises.

6. Limitation of liability

In no event shall BankCAMELS, nor any of its officers, directors and employees, shall be held liable for anything arising out of or in any way connected with your use of this Website. BankCAMELS, including its officers, directors and employees shall not be held liable for any indirect, consequential or special liability arising out of or in any way related to your use of this Website.

7. Indemnification

You hereby indemnify to the fullest extent BankCAMELS from and against any and/or all liabilities, costs, demands, causes of action, damages and expenses arising in any way related to your breach of any of the provisions of these Terms.

8. Severability

If any provision of these Terms is found to be invalid under any applicable law, such provisions shall be deleted without affecting the remaining provisions herein.

9. Variation of Terms

BankCAMELS is permitted to revise these Terms at any time as it sees fit, and by using this Website you are expected to review these Terms on a regular basis.

10. Assignment

The BankCAMELS is allowed to assign, transfer, and subcontract its rights and/or obligations under these Terms without any notification. However, you are not allowed to assign, transfer, or subcontract any of your rights and/or obligations under these Terms.

11. Links To Other Web Sites

Our Service may contain links to third-party web sites or services that are not owned or controlled by BankCAMELS.

BankCAMELS has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that BankCAMELS shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such web sites or services.

12. Modification of The Web Site

From time to time and without prior notice to you, we may change, expand and improve the Site. We may also, at any time, cease to continue operating part or all of the Site or selectively disable certain portions of the Site. Any modification or elimination of the Site will be done in our sole and absolute discretion and without an ongoing obligation or liability to you, and your use of the Site do not entitle you to the continued provision or availability of the Site.

13. Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. All amended terms automatically take effect 10 days after they are initially posted on this site. Your use of the Website following the effective date of any modifications to this agreement will constitute your acceptance of the agreement, as modified. You agree that notice on the Website of modifications is adequate notice.

14. Entire Agreement

These Terms constitute the entire agreement between BankCAMELS and you in relation to your use of this Website, and supersede all prior agreements and understandings.

15. Governing Law & Jurisdiction

These Terms will be governed by and interpreted in accordance with the laws of the State of New York, and you submit to the non-exclusive jurisdiction of the state and federal courts located in New York for the resolution of any disputes.