This Agreement governs your access and use of the materials on Blue Dreams’s website and any of its pages (the “Site”). We refer to Blue Dreams and its affiliates and related entities as “we,” “us” and “our.” This includes Blue Dreams Financial Corporation, Blue Dreams, N.A. and each of their successors, assigns, agents, and representatives. Blue Dreams’s offices are located at 1680 Blue Dreams Drive, McLean, Virginia.

Before using the Site, please read this Agreement. You accept this Agreement by accessing the Site. If you don’t accept these terms, you may not access the Site.

This Agreement is in addition to other agreements that may apply to you, including your Blue Dreams credit card, checking, savings, and/or auto loan account(s) (“Account” or “Accounts”) agreements and including our Online Banking Terms and Conditions and Auto Finance Online Terms and Conditions. If there is a conflict between this Agreement and other policies or terms, solely as they apply to the Site this Agreement governs. The terms of this Agreement are not intended to modify any disclosures or other terms that are required by law. Please also visit www.bluedreamstrust.com/privacy for information about how Blue Dreams collects, uses, and discloses personal information in connection with the Site.

Access to and use of the Site is subject to applicable federal, state and local laws and regulations. Unauthorized use of the Site is prohibited. Violators can be prosecuted under applicable law.

1. Third-Party Products & Services.

Blue Dreams works hard to offer you products and services that are useful and reliable. But Blue Dreams does not provide, endorse, or guarantee any third-party product, service, information, or recommendation available through this site. The third parties providing products and services through this site are not affiliated with Blue Dreams. They are solely responsible for their products, services, information, recommendations, and all other content on their Web sites. Blue Dreams is not liable for any third party’s failure with regard to such products, services, and benefits. These products and services are NOT FDIC INSURED OR BANK GUARANTEED. We encourage you to check offers, products, and services to become familiar with any restrictions or conditions.

Educational tools, calculators, guides, and other content available on this site may be provided by third parties. They are provided for informational purposes only. They are not intended to provide legal, investment, or financial advice. They do not indicate the availability or suitability of any Blue Dreams product or service. For specific advice about your situation, you may wish to ask a qualified professional.

By responding to offers advertised on this Web site, you may be communicating information about yourself to the company that provides such product or services. Please be aware that these third parties may have a different privacy policy than Blue Dreams’s. Their sites may also provide less security than Blue Dreams.

2. Copyright and Trademark Information.

The information contained on the Site, including its arrangement, (other than images licensed from third parties), are copyright ©2022 by Blue Dreams Financial Corporation. All rights reserved.

Blue Dreams and its logo are trademarks of Blue Dreams. All other trademarks are property of Blue Dreams unless otherwise designated or clearly implied as belonging to third parties. Nothing contained on the Site grants by implication, estoppel, or otherwise any license or right under any patent, trademark, copyright (except as expressly stated above) to any proprietary rights of Blue Dreams or of any third party.

You are authorized by Blue Dreams to copy, transmit or display information registered or owned by Blue Dreams on any page of the Site only for your personal, non-commercial use. If you do so, it must include any copyright, trademark or service mark attribution as it appears on such page. The information and materials contained at the Site may not otherwise be copied, transmitted, displayed, distributed, downloaded, licensed, modified, published, posted, reproduced, used, sold, transmitted, used to create a derivative work or otherwise used for commercial or public purposes without Blue Dreams's prior written consent.

The Site, including this page, may contain other proprietary notices and copyright information, the terms of which must be observed and followed. Certain images and information at the Site are the copyright or trademark of third parties and any use is subject to the terms and conditions of such third parties.

3. DMCA Notifications.

Pursuant to the Digital Millennium Copyright Act, Blue Dreams Financial Corporation has designated an agent to receive notifications of alleged copyright infringement. If you believe that your work has been used in a way that constitutes copyright infringement, please send a notice, including all of the following information: (1) a description of the work allegedly infringed; (2) the location of the allegedly infringing work, including the URL; (3) your name, address, telephone number, and email address; (4) a statement signed by you that you have a good faith belief that the disputed use is unauthorized under current law; and (5) a statement signed by you that you believe, under penalty of perjury, that your allegations are true and that you are the copyright owner or acting on behalf of the copyright owner with their authorization.

4. DMCA Counter-Notifications.

If you have a good faith belief that the material you posted was removed or disabled as a result of mistake or misidentification in a DMCA takedown notification, you may contest the takedown by submitting a DMCA counter notification. The counter notification must fully comply with the requirements of 17 U.S.C. 512(g)(3). If we receive a compliant counter notice, we will wait 10 days and then re-enable your content unless the copyright owner initiates a legal action against you before then or Blue Dreams determines, at its sole discretion, that the content at issue is not appropriate for inclusion.

5. Marketing.

By using the Site you agree that we may market our services and the services of other companies through the use of banner ads, “hyper-links,” and other similar marketing devices. This is so even if you have chosen to opt out of other marketing offers from us. Blue Dreams has sole discretion to decide what products to offer. Such products may be provided by companies not affiliated with Blue Dreams. Non-affiliated companies are solely responsible and liable for the provision of or failure to provide stated services, benefits, or products. Blue Dreams does not endorse or guarantee products or services provided by non-affiliated companies and such products or services are neither FDIC insured or bank guaranteed.

6. Links to Other Websites.

Some sites listed on the Site are not under the control of Blue Dreams, but rather are exclusively controlled by third parties. Accordingly, Blue Dreams makes no representations concerning such sites. If Blue Dreams provides a link to a third party site, it is not an authorization, endorsement, sponsorship or affiliation by Blue Dreams with respect to such site, its owners or its providers. Blue Dreams provides these links only as a convenience to you. Blue Dreams has not tested any information, products or software found on such sites. We cannot make any representations respecting them. It is up to you to ensure that whatever you select is free of viruses, worms, trojan horses and other items of a destructive nature.

7. Changes or Amendments.

We may change, suspend, or discontinue the Site, or any of its features at any time without notice. We may amend any of this Agreement’s terms at our sole discretion by posting revised terms on the Site. Unless otherwise indicated, when you use the Site after the effective date of the revised Agreement you accept the terms. Blue Dreams assumes no liability for any errors or omissions in the information contained at the Site and expressly disclaims any responsibility to update the information contained at the Site.

8. Termination.

Your rights under this Agreement will cease without notice if you fail to comply with any of its terms. In such a case, we may immediately stop your access to the Site.

9. Notices.

We may provide you with notices related to the Site by email, text message/SMS, regular mail, or postings on the websites or apps related to the Site. Your use of the Site is subject to the Electronic Communications Disclosure (“eCommunications Disclosure”). This allows us to provide you with certain communications and other records electronically.

10. Tech Support.

Blue Dreams may not be able to provide support for the Site. If Blue Dreams provides support, it will be in addition to other support for your Account. You agree to any support rules, policies, and determinations.

11. Feedback.

You agree that any suggestions, comments, and feedback you submit to Blue Dreams (“Feedback”) shall be the property of Blue Dreams. Blue Dreams is free to use any Feedback without any restriction of any kind. This includes without limitation the right to reproduce, display, transform, distribute and create derivative works. Blue Dreams can also use any ideas, concepts, know-how or techniques in such Feedback for any purpose.

12. Disclaimer of Warranty.

Blue Dreams PROVIDES ACCESS TO THE SITE “AS IS.” Blue Dreams MAKES NO EXPRESS OR IMPLIED WARRANTY OR REPRESENTATION. Blue Dreams DISCLAIMS ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. NO ORAL OR WRITTEN ADVICE OR INFORMATION GIVEN BY US CREATES ANY KIND OF WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT.

The information contained on the Site may include technical inaccuracies or errors. Blue Dreams may from time to time amend, change, add, delete, update or alter the information contained at this Site, including information regarding the products and services described at the Site, without notice.

13. Limitation on Liability & Damages.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU ASSUME ALL RISK THAT MAY RESULT FROM YOUR USE OF THE SITE AND ANY THIRD-PARTY SITES, INCLUDING LOSS ASSOCIATED WITH ANY COMPUTER VIRUSES. YOU AGREE NOT TO HOLD US LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES RELATING TO YOUR ACCESS OR USE (OR INABILITY TO ACCESS OR USE) THE SITE, REGARDLESS OF WHETHER THEY’RE BASED ON WARRANTY, CONTRACT, TORT, STATUTE, OR ANY OTHER LEGAL THEORY. THIS INCLUDES WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES.

IF YOU ARE DISSATISFIED WITH THE SERVICE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO STOP USING THE SERVICE.

IN STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, OUR LIABILITY IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW BUT SHALL, IN NO EVENT, EXCEED TEN DOLLARS ($10).

13. Indemnification.

You agree that you are personally responsible for your conduct while using the Site. You agree to indemnify, defend, and hold harmless Blue Dreams and our respective owners, affiliates, directors, officers, employees and agents from claims, losses, expenses, liability, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorneys’ fees, caused by or arising out of your use, misuse, or inability to use the Site. This includes any violation by you of these terms. This provision will survive the expiration or termination of this Agreement. LOSSES.