Last Updated: November 3, 2021

Crewe is dedicated to providing people (“Clients” or “you”) the peace-of-mind they deserve by helping them achieve a financial harmony where every aspect of their financial well-being is in perfect alignment with their life and goals. This website at www.crewe.com and the various related content, services, applications, and website (collectively, the “Site”) are provided, operated, and made available to you and other Clients (collectively, “Users”) by Crewe Capital, LLC and Crewe Advisors (collectively, “Crewe”, “us” or “we”) in furtherance of service to our Clients.

IMPORTANT! PLEASE CAREFULLY READ THESE TERMS OF USE (“TERMS”) IN ITS ENTIRETY BEFORE USING WWW.CREWE.COM (THE “WEBSITE”). IF YOU DO NOT AGREE TO THESE TERMS, PLEASE DO NOT ACCESS THE WEBSITE, OR ANY OF ITS PAGES. THESE TERMS GOVERN YOUR USE AND ACCESS OF THE SITE.

IF YOU ARE AGREEING TO THESE TERMS ON BEHALF OF YOUR ORGANIZATION, REFERENCES TO “YOU” OR “YOUR” SHALL MEAN YOU, YOUR ORGANIZATION, AND ANY OTHER USER ACCESSING AND USING THE CREWE SITE AND / OR CONTENT ON BEHALF OF SUCH ORGANIZATION. BY CLICKING “I AGREE”, DOWNLOADING, USING, CONFIGURING, OR ACCESSING THE SITE, OR OTHERWISE SIGNIFYING YOUR ACCEPTANCE TO THESE TERMS, YOU REPRESENT AND WARRANT THAT:

• a. YOU ARE AUTHORIZED TO ENTER INTO THESE TERMS OF USE FOR AND ON BEHALF OF
  YOURSELF (AND YOUR ORGANIZATION) AND ARE DOING SO;
• b. YOU (AND YOUR ORGANIZATION) CAN LEGALLY ENTER INTO THESE TERMS; AND
• c. YOU HAVE READ, UNDERSTAND, AND AGREE THAT YOU (AND YOUR ORGANIZATION)
  AND EACH USER SHALL BE BOUND BY THESE TERMS AND THE PRIVACY POLICIES OF
  CREWE ADVISORS, LLC AND CREWE ADVISORS (COLLECTIVELY, THE “PRIVACY
  POLICIES”) AND ALL MODIFICATIONS AND ADDITIONS PROVIDED.

BY USING THIS WEBSITE, YOU ARE DEEMED TO HAVE ACCEPTED AND AGREED TO BE BOUND BY THESE TERMS REGARDLESS OF WHETHER OR NOT YOU ACTUALLY READ THESE TERMS. CERTAIN SECTIONS OR PAGES ON THIS WEBSITE MAY CONTAIN SEPARATE TERMS AND CONDITIONS, WHICH ARE IN ADDITION TO THESE TERMS. YOU SHOULD READ THOSE ADDITIONAL TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THOSE SECTIONS OR PAGES, YOU ACCEPT AND AGREE TO BE BOUND BY THOSE ADDITIONAL TERMS AND CONDITIONS.

1. ELIGIBILITY

To access and use the Site, you must be at least eighteen (18) years of age. BY CLICKING “I AGREE”, DOWNLOADING, INSTALLING, CONFIGURING, OR OTHERWISE ACCESSING OR USING THE SITE, YOU REPRESENT THAT:

• a. YOU HAVE NOT BEEN PREVIOUSLY SUSPENDED OR REMOVED FROM THE SITE;
  b. YOU CONFIRM THAT YOU ARE OF LEGAL AGE TO FORM A BINDING CONTRACT WITH CREWE;
  c. YOU WILL COMPLY WITH THESE TERMS AND ALL APPLICABLE LOCAL, STATE, NATIONAL, AND INTERNATIONAL LAWS, RULES, AND REGULATIONS; AND
  d. YOU ARE NOT A COMPETITOR OF CREWE AND DO NOT INTEND TO USE THE SITE FOR REASONS THAT ARE IN COMPETITION WITH CREWE OR OTHERWISE TO REPLICATE SOME OR ALL OF THE SITE FOR ANY REASON.

2. RESTRICTIONS ON THE RIGHT TO USE

Crewe grants you a limited, revocable, nonexclusive license to use this Site solely for your personal and noncommercial use, unless otherwise specified. You may not use any service provided by this Site for any other purpose, including any commercial purpose, without the prior express written permission of an authorized representative of Crewe. You may not modify, copy, distribute, display, send, perform, reproduce, publish, license, create derivative works from, transfer, assign, sell or otherwise infringe on any intellectual property rights related to any information, content, software, products or services obtained from or otherwise connected to this Site unless otherwise expressly stated in these Terms or by Crewe’s prior written consent.

You are strictly prohibited from any unauthorized use of our systems or this Site, including but not limited to unauthorized entry into our systems, misuse of passwords, or misuse of any information posted on this Site. You may not attempt to gain unauthorized access to any Crewe site or service, computer systems or networks, or connect to any Crewe website or service, through hacking, password mining or any other means.

Unless otherwise expressly stated in these Terms or you receive Crewe’s prior written consent, you may not use, reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any information, data, software, programs, photographs, graphics, text, images, logos, icons, typefaces, audio and video material, and other material (collectively, “Content”), except as follows:

• a. Your computer may temporarily store copies of the Site and such Content in RAM incidental to your accessing and viewing it;
  b. You may store files that are automatically cached by your web browser for display enhancement purposes;
  c. You may print or download a reasonable number of pages of the Site and such Content for your own
  personal, non-commercial use, provided that you do not delete or alter any copyright, trademark, or other proprietary rights notices from copies of the Site and such Content, and you do not further use, reproduce, publicize, or distribute any Content; or
  d. You may link to our Site, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval, promotion, or endorsement on our part, unless you first obtain our express
  written consent.

• a. Modify copies of the Site and Content;
  b. Use any illustrations, photographs, video or audio sequences or any graphics separately from the
  accompanying text;
  c. Delete, copy, or alter any copyright, trademark, or other proprietary rights notices from copies of the Site
  and Content;
  d. Impersonate or attempt to impersonate Crewe or its employees, representatives, subsidiaries or divisions;
  e. Misrepresent your identify or affiliation with any person or entity;
  f. Engage in any conduct that restricts or inhibits any person’s use or enjoyment of the Website or interfere
  with another party’s use of the Website; or
  g. Attempt to gain unauthorized access to, interfering with, damaging or disrupting any parts of the Website,
  the server(s) on which the Website is stored, or any server, computer or database connected to the
  Website; or
  h. Use the website in any way that violates the applicable federal, state or local laws, rules or regulations

Use of this Site may be monitored, tracked and recorded. Users using this Site expressly consents to such monitoring, tracking and recording. You are responsible for being familiar with the current version of these Terms posted on the Site during each session. If you violate any of these restrictions, Crewe may immediately terminate your right to use and access the Site. Any use of the Site and the Content not expressly permitted by these Terms is a breach of these Terms and may violate copyright, trademark, and other laws. All Users’ use and access to this Site is at the discretion of Crewe and we may terminate any Users’ use and access to this Site at any time.

3. WEBSITE SECURITY

As a condition to your use of this Site, you agree that you will not take any action intended to: (i) access data that is not intended for you; (ii) invade the privacy of, obtain the identity of, or obtain any personal information about any other user of this Site; (iii) probe, scan or test the vulnerability of this Site or Crewe’s network or breach security or authentication measures; (iv) attempt to interfere with service to any user, host, or network or otherwise attempt to disrupt Crewe’s business; or (v) send unsolicited mail, including promotions and/or advertising of products and services. Unauthorized use of the Site, including but not limited to unauthorized entry into Crewe’s systems, misuse of passwords, or misuse of any information posted to the Site, is strictly prohibited. Portions of the Site are designated for password access only. In these instances, if you do not have an authorized password, no access is permitted.

4. PASSWORD SECURITY AND CONFIDENTIALITY

You are responsible for maintaining the confidentiality of any usernames, passwords, security questions and
answers. All information available through the privileged area of the site is confidential. This includes all
investment information and results, offering materials and regulatory notices, financial statements, and other
information provided through this part of the Site. You will use your best efforts to keep this information strictly
confidential. You will not disclose this information to any unauthorized person or use it for any unauthorized
purpose.

5. COPYRIGHTS, TRADEMARKS, AND RESTRICTIONS ON THE USE OF MATERIALS

You acknowledge and agree that this Site contains Content that is protected by copyrights, trademarks, or other proprietary rights, and that these rights are valid and protected in all forms, media, and technologies existing now or later developed. The Content is the property of Crewe and its affiliates, except as otherwise stated. The compilation (meaning the collection, arrangement, and assembly) of all content on the Site, including its visual interfaces, graphics, design, compilation, information, computer code (including source code or object code), products, software, services, and all other elements provided, is the exclusive property of Crewe and is protected by U.S. and international copyright and trademark laws. You may not copy, modify, remove, delete, augment, add to, publish, transmit, participate in the transfer, license or sale of, create derivative works from, or in any way exploit any of the content, in whole or in part, except as specifically permitted herein. Except as provided herein or as permitted by the fair use privilege under U.S. copyright laws, you may not upload, post, reproduce,
perform, or distribute any Content in any way without obtaining the express permission of Crewe. Crewe reserves all rights not expressly granted in these Terms.

6. NO INVESTMENT, LEGAL OR TAX ADVICE; NO SOLICITATION OR OFFER

This Site and its Content for informational purposes only. Neither the information nor any opinion contained on this Site constitutes legal, tax or investment advice, or a solicitation or an offer to sell any securities or other financial instruments, or to provide any investment advice or service. Crewe is not using this Site to provide legal, tax, investment or other advice, and no information or material on this Site may be relied upon for the purpose of making or communicating investment or other decisions. Any decisions based on information contained on this Site are the sole responsibility of the user, and in exchange for using this Site, you agree to hold Crewe and its affiliates harmless from and against any claims for damages arising from any decisions that you may make based on such information.

7. PRIVACY POLICY

Your privacy is important to us. Our goal is to make the Site as good, useful, and rewarding for you as possible. In order to do so, Crewe may collect and process information from you as you use the Site. Crewe will collect certain personally identifiable information from you. Please refer to the Privacy Policies for more details. By accessing or using the Site, you agree that Crewe may collect, use, and disclose the information you provide when you access and use the Site, pursuant to our Privacy Policies.

8. COMMUNICATION CONFIDENTIALITY

Information submitted to this Site should not be considered secure or confidential, and Crewe makes no representations whatsoever concerning the security of confidentiality of such information and makes no specific representation that any information submitted through this Site will be received by Crewe.

9. USE OF LINKS

Crewe may include links, directory listings or references to other websites or services (“Third-Party Sites”) solely as a convenience to Users. These links, directory listings or references may include affiliate marketing, sponsored posts, other unaffiliated websites that we think may be of interest to our Users, and billing and payment services. Use of any links contained on this Site is at your own risk. The content to any Third-Party Sites may not have been developed, checked for accuracy or otherwise reviewed by Crewe, which makes no warranties, either express or implied, or representations as to, and shall have no liability for, any Third-Party Sites or content, including without limitation, the accuracy, subject matter, quality or timeliness of any electronic content. Links to unaffiliated websites do not imply any endorsement of or responsibility for the opinions, ideas, products, information, or services offered at such sites, or any representation regarding the content at such ThirdParty Sites and we expressly disclaim any such endorsement or representation. In addition, Third-Party Sites may have a privacy policy or security practices different from this Site. Please read the policies of those ThirdParty Sites before sharing your personal information. You hereby waive any claim you might have against Crewe and its affiliates with respect to such Third-Party Sites.

10. CONTENT DISCLAIMER

Although the information provided to you on this web site is obtained or compiled from sources we believe to be reliable, Crewe cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. You understand that when using the Site, you may be exposed to Content from a variety of sources, and that Crewe is not responsible for the accuracy, usefulness, or intellectual property rights of or relating to such Content. You further understand and acknowledge that you may be exposed to Content that is inaccurate, offensive, indecent, or objectionable, and you agree to waive, and hereby do waive, any legal or equitable rights or remedies you have or may have against Crewe with respect thereto. Crewe does not endorse any Content, or any opinion, recommendation or advice expressed therein, and Crewe expressly disclaims any and all liability in connection with such Content. If notified by a User or a content owner of any Content that allegedly does not conform to these Terms, Crewe may investigate the allegation and determine what recourse (if any) it might have. For clarity, Crewe does not permit copyright infringing activities on or through its Site or Content.

11. DISCLAIMER OF WARRANTIES

You expressly agree that the Content, including, but not limited to any data, assessments, results, information, third-party software, content, third-party site, services, or applications made available in conjunction with or through the Site are provided on an “AS IS” and “AS AVAILABLE”, WITH ALL FAULTS” basis and Crewe does not expressly or impliedly warrant the accuracy, adequacy, or completeness of any such information or materials, and expressly disclaims liability for errors or omissions in such information and materials. The Content on this Site may contain typographical errors or inaccuracies. Any dated information is published as of its date only, and we do not undertake any obligation or responsibility to update or amend any such information. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of noninfringement of third-party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

Crewe cannot and does not guarantee continuous, uninterrupted, error-free, or secure access to the Site. Users are responsible for taking all precautions necessary to ensure that any information and materials they may obtain from or through this Site is free of viruses and other disabling contamination. Information submitted to this Site
should be considered neither secure nor confidential. Crewe makes no representation whatsoever concerning the security or confidentiality of such information and specifically makes no representation that any information submitted through this Site will be received by Crewe. YOU UNDERSTAND AND AGREE THAT YOU USE, ACCESS, DOWNLOAD, OR OTHERWISE OBTAIN CONTENT, INFORMATION, MATERIALS, ASSESSMENTS, RESULTS OR DATA THROUGH THE SITE OR ANY THIRD-PARTY SITE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM) OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OF SUCH MATERIAL OR DATA.

IN NO EVENT WILL CREWE NOR ANY OF ITS AFFILIATES BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE OR CONSEQUENTIAL DAMAGES, LOSSES, OR EXPENSES ARISING IN CONNECTION WITH THIS SITER ITS USE, OR THE INABILITY TO USE, BY ANY PARTY, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF CREWE OR ITS AFFILIATE

NEITHER CREWE, NOR ANY OF ITS AFFILIATES, DIRECTORS, OFFICERS OR EMPLOYEES, NOR ANY THIRD PARTY VENDOR, WILL BE LIABLE OR HAVE ANY RESPONSIBILITY OF ANY KIND FOR ANY LOSS OR DAMAGE THAT YOU INCUR IN THE EVENT OF ANY FAILURE OR INTERRUPTION OF THIS WEB SITE, OR RESULTING FROM THE ACT OR OMISSION OF ANY OTHER PARTY INVOLVED IN MAKING THIS SITE, THE DATA CONTAINED HEREIN OR THE PRODUCTS OR SERVICES OFFERED ON THIS SITE AVAILABLE TO YOU, OR FROM ANY OTHER CAUSE RELATING TO YOUR ACCESS TO, INABILITY TO ACCESS, OR USE OF THE SITE OR THE CONTENT, WHETHER OR NOT THE CIRCUMSTANCES GIVING RISE TO SUCH CAUSE MAY HAVE BEEN WITHIN THE CONTROL OF CREWE OR OF ANY VENDOR PROVIDING SOFTWARE OR SERVICES.

12. LIMITATION OF LIABILITY

UNDER NO CIRCUMSTANCES, INCLUDING, NEGLIGENCE, WILL CREWE OR ITS SUBSIDIARIES, AFFILIATES, LICENSORS, LICENSEES, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, RELIANCE, OR EXEMPLARY DAMAGES (INCLUDING WITHOUT LIMITATION DAMAGES ARISING FROM ANY UNSUCCESSFUL COURT ACTION OR LEGAL DISPUTE, LOST BUSINESS, LOST REVENUES OR LOSS OF ANTICIPATED PROFITS OR ANY OTHER PECUNIARY OR NON-PECUNIARY LOSS OR DAMAGE OF ANY NATURE WHATSOEVER) ARISING OUT OF OR RELATING TO THESE TERMS OR THAT RESULT FROM YOUR USE OR YOUR INABILITY TO USE THE SITE OR ANY THIRD-PARTY SITE, OR ANY OTHER INTERACTIONS WITH CREWE OR ANY OTHER CLIENT, EVEN IF CREWE OR A CREWE AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THESE LIMITATIONS OF LIABILITY ALSO APPLY WITH RESPECT TO DAMAGES INCURRED BY YOU BY REASON OF ANY PRODUCTS OR SERVICES SOLD OR PROVIDED ON ANY THIRD PARTY SITES OR OTHERWISE BY THIRD PARTIES OTHER THAN CREWE AND RECEIVED THROUGH OR DVERTISED ON ANY PART OF THE SITE OR RECEIVED THROUGH ANY THIRD-PARTY SITES. CREWE WILL NOT BE RESPONSIBLE FOR ANY LOSS OR DAMAGE THAT COULD RESULT FROM INTERCEPTION BY THIRD PARTIES OF ANY INFORMATION OR SERVICES MADE AVAILABLE TO YOU VIA THIS SITE

CERTAIN JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF YOU RESIDE IN SUCH A JURISDICTION, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS. THE LIMITATIONS OR EXCLUSIONS OF WARRANTIES, REMEDIES OR LIABILITY CONTAINED IN THESE TERMS APPLY TO YOU TO THE FULLEST EXTENT SUCH LIMITATIONS OR EXCLUSIONS ARE PERMITTED UNDERTHE LAWS OF
THE JURISDICTION WHERE YOU ARE LOCATED.

13. INDEMNIFICATION

YOU AGREES TO INDEMNIFY AND HOLD CREWE, ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, DIRECTORS, AND CONTRACTORS (THE “INDEMNIFIED PARTIES”) HARMLESS FROM ANY BREACH OF THE TERMS OF THIS AGREEMENT BY YOU. YOU AGREE THAT THE INDEMNIFIED PARTIES WILL HAVE NO LIABILITY IN CONNECTION WITH ANY SUCH BREACH OR UNAUTHORIZED USE OF THIS SITE, ANY INFORMATION OBTAINED FROM OR THROUGH THIS SITE, ANY VIOLATION BY YOU OF THESE TERMS, OR ANY BREACH OF THE REPRESENTATIONS, WARRANTIES, AND COVENANTS MADE BY YOU HEREIN. CREWE RESERVES THE RIGHT, AT YOUR EXPENSE, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER FOR WHICH YOU ARE REQUIRED TO INDEMNIFY CREWE AND YOU AGREE TO COOPERATE WITH CREWE’S DEFENSE OF THESE CLAIMS. CREWE WILL USE REASONABLE EFFORTS TO NOTIFY YOU OF ANY SUCH CLAIM, ACTION, OR PROCEEDING UPON BECOMING AWARE OF IT. YOU AGREE TO INDEMNIFY ANY AND ALL RESULTING LOSS, DAMAGES, JUDGMENTS, AWARDS, COSTS, EXPENSES, AND ATTORNEYS’ FEES OF THE INDEMNIFIED PARTIES IN CONNECTION THEREWITH. YOU WILL ALSO INDEMNIFY AND HOLD THE INDEMNIFIED PARTIES HARMLESS FROM AND AGAINST ANY CLAIMS BROUGHT BY THIRD PARTIES ARISING OUT OF YOUR USE OF THE SITE AND ANY
INFORMATION ACCESSED FROM THIS SITE.

14. RELATIONSHIP OF THE PARTIES

Nothing contained in these Terms or your use of the Site shall be construed to constitute either party as a partner, joint venturer, employee or agent of the other party, nor shall either party hold itself out as such. Neither party has any right or authority to incur, assume or create, in writing or otherwise, any warranty, liability or other obligation of any kind, express or implied, in the name of or on behalf of the other party, it being intended by both parties that each shall remain independent contractors responsible for its own actions.

15. WAIVER

The failure of Crewe to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. Any waiver of these Terms by Crewe must be in writing and signed by an authorized representative of Crewe.

16. MODIFICATION OF TERMS

Crewe reserves the right, with or without notice, to make changes to these Terms at Crewe’s sole discretion. YOUR CONTINUED USE OF ANY PART OF THIS SITE CONSTITUTES YOUR BINDING ACCEPTANCE OF SUCH CHANGES TO THESE TERMS. You should review these terms periodically to determine if any changes have been made. The most current version of this agreement, which supersedes all previous versions, can be reviewed by going to the Website. Additionally, if the modified Terms materially alter your rights or obligations, Crewe may require you to provide consent by accepting the modified Terms. IF AT ANY TIME YOU DO NOT AGREE TO THESE TERMS, PLEASE IMMEDIATELY TERMINATE YOUR USE OF THIS SITE. To the extent that any modifications to the Terms or Privacy Policies are not allowed under applicable laws, the prior most recent version of the Terms or Privacy Policies shall continue to apply.

17. TERMINATIONRMS

You agree that Crewe, in its sole discretion, for any or no reason, and without penalty, may terminate your access and use of the Site or any account (or any part thereof) that you may have with Crewe, and remove and/or discard all or any part of your account or user profile, at any time, with or without notice. Crewe may also in its sole discretion and at any time prohibit you from accessing and using the Site or discontinue providing access to the Site, or any part thereof, with or without notice. Any suspected fraudulent, abusive or illegal activity may be referred to appropriate law enforcement authorities. These remedies are in addition to any other remedies that Crewe may have at law or in equity. As provided herein, Crewe does not permit copyright infringing activities on the Site and Crewe shall be permitted to terminate access to the Site. BY ACCEPTING THESE TERMS, YOU WAIVE AND SHALL HOLD CREWE HARMLESS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY CREWE DURING OR AS A RESULT OF ITS INVESTIGATIONS AND / OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER CREWE OR LAW
ENFORCEMENT AUTHORITIES.

18. GEOGRAPHIC RESTRICTIONS

The information provided on this Site is not intended for distribution to, or use by any person or entity that resides outside of the United States, or in any jurisdiction where such distribution or use would be contrary to law or regulation or which would subject Crewe or any affiliate to any registration requirement within such jurisdiction or country. This Site is operated by Crewe from its offices in the United States, and the information on this Site may not be appropriate or available for use in or from jurisdictions outside the United States. Those who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with applicable local laws you agree to waive, and hereby do waive, any legal or equitable rights or remedies you have or may have against Crewe with respect thereto. Crew makes no warranties that materials on this Site are appropriate for use in countries other than the United States. You may not use or export the materials on this Site in violation of U.S. export laws and regulations. If you are a California resident, you are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs maybe contacted in writing at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at (800) 952-5210.

19. GOVERNING LAW

Your use of this Site constitutes your irrevocable agreement that these Terms and any issues relating to the information available on this Site or any dispute that may arise between you and Crewe or its affiliates, are to be governed exclusively by the laws of the State of Utah, excluding the application of its conflicts of law rules, and the federal laws of the United States, to the extent applicable. YOU AGREE THAT REGARDLESS OF ANY STATUTE OR LAW TO THE CONTRARY, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATED TO USE OF THIS WEBSITE OR THIS AGREEMENT MUST BE FILED WITHIN ONE (1) YEAR AFTER SUCH CLAIM OR CAUSE OF ACTION AROSE OR BE FOREVER BARRED.

20. ARBITRATION

Any dispute, controversy or claim arising out of or related in any manner to these Terms which cannot be amicably resolved by the parties shall be solely and finally settled by arbitration administered by the Financial Industry Regulatory Authority (“FINRA”). Judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The arbitration shall take place before a panel of [one (1) or three (3)] arbitrators sitting in Salt Lake County, Utah. The decision of the arbitrators shall be binding on the parties. The arbitrator shall be empowered to award money damages, subject to the limitations set forth herein, but shall not be empowered to award direct, indirect, incidental, special or consequential damages or specificperformance. Each party shall bear its own costs relating to the arbitration proceedings irrespective of its outcome. This section provides the sole recourse for the settlement of any disputes arising out of, in connection with, or related to these Terms. Notwithstanding the foregoing, any action seeking injunctive relief shall be submitted to the courts and shall not be subject to this provision.

21. CONTENT TO BE REVIEWED IN ITS ENTIRETY; SEVERABILITY

All content on this Site is meant to be reviewed in their entirety, including any footnotes, legal disclaimers, restrictions, disclosures, or hedge clauses, for any partial content in the same manner as they do to the whole, and they will be deemed incorporated in the portion of any content or document that you consult or download. If any part of these Terms are found by a court of competent jurisdiction to be unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. In addition, in such event the unenforceable or invalid provision shall be deemed to be modified to the extent necessary to (i) render it valid and enforceable and (ii) give the fullest effect possible to the original intent of the provision.

22. ENTIRE AGREEMENT

These Terms constitute the entire agreement among the parties relating to the subject matter hereof, and supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written between you and Crewe with respect to the Site and any service it provides. Notwithstanding the foregoing, you may also be subject to additional terms and conditions, posted policies, guidelines, or rules that may apply when you use the Site or any of its services.