TERMS OF USE

IMPORTANT – BEFORE INSTALLING, ACCESSING, OR USING ANY PART OF THE SERRA NOVA FINANCIAL WEBSITE LOCATED AT WWW.SERRANOVAFINANCIAL.COM AND ANY PROGRAMS, SERVICES, PRODUCTS, MATERIALS, DOCUMENTATION, AND INFORMATION AVAILABLE THROUGH THE SITE OR USED IN CONNECTION THEREWITH (COLLECTIVELY, THE “SITE”), YOU SHOULD READ THE FOLLOWING TERMS AND CONDITIONS CONTAINED IN THIS TERMS OF SERVICE AGREEMENT (THE “TOS”) CAREFULLY AS THEY GOVERN YOUR ACCESS TO AND USE OF THIS SITE.

SERRA NOVA FINANCIAL (“SERRA NOVA”) IS WILLING TO LICENSE THE USE OF THE SITE TO YOU ONLY ON THE CONDITION THAT YOU ACCEPT ALL OF THE TERMS AND CONDITIONS CONTAINED IN THIS TOS.

IF YOU DO NOT AGREE WITH THIS TOS, YOU ARE NOT GRANTED PERMISSION TO ACCESS OR OTHERWISE USE THIS SITE AND SHOULD EXIT IMMEDIATELY.

1. LICENSE GRANT

This Site is provided by Serra Nova. This TOS provides you, a “User,” with a personal, revocable, limited, non-exclusive, royalty-free, non-transferable license to use this Site conditioned on your continued compliance with the terms of this TOS. You may print or download materials from this Site solely for personal use, provided all copies contain applicable copyright and other notices. This is a license, not a sale. Serra Nova transfers no ownership or intellectual property rights in or to the Site.

2. USER OBLIGATIONS

By accessing or using this Site, you represent that you are at least eighteen (18) years of age and that you will always provide true, accurate, and complete information when using the Site. Providing false or incomplete information may result in termination of access. You agree to comply with all local, state, national, and international laws regarding Site use, and not to interfere with others’ use or with Serra Nova’s operation of the Site. You may not impersonate another person or entity.

Use of this Site is at your own risk. Serra Nova strives to provide a secure environment, but Internet communications cannot be guaranteed secure. Transmission of data may involve multiple networks; Serra Nova is not responsible for security or accuracy of information transmitted online. You assume full responsibility and risk for use of this Site.

3. LICENSE GRANT RESTRICTIONS

You may not modify, copy, distribute, transmit, reproduce, publish, license, create derivative works from, or use any part of the Site except as allowed here. You may not use automated systems such as “robots,” “spiders,” or “scrapers” to access or copy data. You may not hack, attempt unauthorized access, probe vulnerabilities, overload systems, interfere with others’ use, or disguise your identity. Unauthorized use may result in prosecution under the Computer Fraud and Abuse Act or similar laws. Serra Nova reserves the right to monitor and record Site activity and comply with lawful investigations. Serra Nova may modify or suspend Site operation at any time without notice.

4. TERM AND TERMINATION

This TOS takes effect when you access or use the Site. Serra Nova may deny or terminate access at any time. Termination occurs automatically if you fail to comply with these terms. Upon termination, you must cease use and destroy all Site materials. Sections regarding intellectual property, confidentiality, warranties, indemnity, and limitations of liability survive termination.

5. PROPRIETARY RIGHTS

All text, graphics, software, and materials on this Site are owned or licensed by Serra Nova Financial and are protected under U.S. and international intellectual property laws. Serra Nova transfers no ownership or rights to you. Unauthorized use of Site materials may violate copyright, trademark, or patent laws. Serra Nova Financial actively enforces its rights.

The Serra Nova logo and all related names and designs are trademarks of Serra Nova Financial. Use without written permission is prohibited.

6. PRIVACY POLICY

Serra Nova Financial considers your personal information confidential. Use of this Site constitutes acceptance of Serra Nova’s Privacy Policy, which explains how we collect, use, and protect personal data.

7. SMS TERMS & CONDITIONS

By providing your mobile number and opting in, you give Serra Nova Financial permission to send you account-related text messages, service updates, announcements, and support messages. Message frequency varies by account. Message and data rates may apply.

To opt out, text STOP to any message we send. You will receive a confirmation of your opt-out. For help, text HELP or call 727-614-5690.

Wireless carriers are not liable for delayed or undelivered messages.

Serra Nova may use designated short codes for communication with clients and customer support.

8. FORWARD LOOKING STATEMENTS

This Site may contain statements about future events or performance (“forward-looking statements”). These are based on current assumptions and expectations and are subject to risks and uncertainties that could cause actual results to differ. Serra Nova undertakes no obligation to update forward-looking statements. Do not rely on them as guarantees of future performance.

9. PRESS / NEWS RELEASES

Press releases and announcements on this Site are for informational purposes. Information is accurate only as of the release date. Serra Nova assumes no obligation to update past releases, and your use or reliance on such information is at your own risk.

10. SUBMISSIONS

Serra Nova welcomes feedback and suggestions. By submitting any content, you warrant that it does not infringe on third-party rights and grant Serra Nova a perpetual, royalty-free license to use, reproduce, distribute, display, and create derivative works from such feedback worldwide without additional approval or compensation.

11. THIRD PARTY PRODUCTS / SERVICES

This Site may include products or services provided by third parties. Serra Nova does not endorse or guarantee the accuracy, reliability, or legality of third-party content and is not responsible for it.

12. ADVERTISERS ON THIS SITE

Serra Nova may post third-party advertisements. Your interactions with advertisers are solely between you and them. Serra Nova is not responsible for any resulting loss or damages.

13. LINKS TO OTHER SITES

Links on this Site may lead to other websites not maintained by Serra Nova. We do not control or endorse their content or services and are not responsible for them. Accessing third-party sites is at your own risk.

14. LINKS TO THIS SITE

You may link to this Site only in a way that does not imply Serra Nova endorsement or association, and without using our logo or proprietary content without written consent. Links for commercial or fundraising purposes are prohibited.

15. DISCLAIMER

THE SITE AND ALL INFORMATION, PRODUCTS, AND MATERIALS ARE PROVIDED “AS IS” AND “AS AVAILABLE.” SERRA NOVA MAKES NO WARRANTIES OR REPRESENTATIONS ABOUT ACCURACY, COMPLETENESS, RELIABILITY, OR SUITABILITY. SERRA NOVA DOES NOT WARRANT THAT THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT DEFECTS WILL BE CORRECTED.

PROGRAMS MAY NOT BE AVAILABLE IN ALL STATES. YOU ASSUME ALL RISK OF USE.

16. LIMITATION OF LIABILITY

IN NO EVENT SHALL SERRA NOVA OR ITS AFFILIATES, EMPLOYEES, DIRECTORS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL DAMAGES ARISING OUT OF SITE USE OR INABILITY TO USE THE SITE OR ITS CONTENTS.

TOTAL LIABILITY SHALL NOT EXCEED $100 IN THE AGGREGATE.

SOME STATES DO NOT ALLOW THESE LIMITATIONS, SO THEY MAY NOT APPLY TO YOU.

17. INDEMNITY

You agree to defend and hold harmless Serra Nova Financial and its affiliates, employees, and representatives from any claims, damages, or expenses arising from your Site use or violation of this TOS. Serra Nova reserves the right to assume exclusive defense of such matters at your expense.

18. GENERAL PROVISIONS

This TOS, along with Serra Nova’s Privacy Policy and related agreements, constitutes the entire agreement between you and Serra Nova regarding Site use. Serra Nova may modify these terms at any time by posting updates. Continued use after changes constitutes acceptance.

This TOS is governed by the laws of the State of Wyoming (replacing Massachusetts from the Beyond version). Any disputes shall be handled in the appropriate courts of Wyoming, unless Serra Nova chooses another venue for injunctive relief.

If any part of this TOS is found invalid, the remaining sections remain in effect. Failure to enforce any provision does not waive any rights.

Serra Nova Financial

30 N Gould St Ste N, Sheridan, WY 82801

Phone: 727-614-5690

Email: operations@serranovafinancial.com

Website: www.serranovafinancial.com

Effective: January 2025