Terms of Service

These Terms of Service govern your use of the website at hillphoeni.shop, operated by HILL PHOENIX NA-W INC. of 850 Euclid Avenue, Suite 819, Cleveland, Ohio 44114, United States (the "Company"). By using the site you accept these terms. They govern the website only — professional engagements are governed by separate written agreements, which control wherever the two documents differ.

1. Informational Site Only

This website describes the Company's work concerning depository institutions — commercial banks, credit unions, and savings and thrift institutions — for general informational purposes. It is a directory and a brochure, not a regulatory filing, an opinion letter, or a substitute for work performed under engagement.

2. Not a Bank; No Deposit or Lending Services

Nothing on this site is an offer to the public of banking services. The site does not accept deposits, open or service accounts, issue checks, make loans, or process payments, and no feature of it should be read as such an offer. Descriptions of institution types — commercial banks, credit unions, S&Ls, savings banks, industrial banks, private banks, Morris Plans — describe categories of institutions the Company works concerning, not services this website performs. No statement on this site creates, implies or should be relied upon as a representation of deposit insurance coverage for any account.

3. No Client Relationship Created by Browsing

Reading this site or submitting the counter-request form does not create a client, advisory or fiduciary relationship. That relationship begins only when the Company countersigns a written engagement naming the scope, the fee and the deadlines. Until then, the counter owes you courtesy and a reply — not work product.

4. Content Is Not Legal, Regulatory or Investment Advice

Statements on this site are general descriptions of institution categories and the Company's working methods, not advice about your institution, your charter, or your regulator's position. Charter and supervisory outcomes depend on facts and law a webpage cannot assess. Do not act — or refrain from acting — on the basis of site content; obtain advice under engagement, and consult counsel where the question is legal.

5. Accuracy and Currency of Content

We keep the site accurate as of its last review, but institution categories, supervisory practice and our own service descriptions change. Dates, deadlines and procedural references mentioned anywhere on the site are illustrations, not a calendar you should rely on — statutory and regulatory dates move, and your engagement letter is the only deadline list that counts.

6. Your Obligations When Using the Site

• Provide accurate information in forms and correspondence.
• Do not submit consumers' account numbers, credentials, or confidential supervisory information through the website form.
• Do not scrape, overload, probe or attempt to compromise the site or its hosting.
• Do not misrepresent an engagement or client relationship with the Company that does not exist.

7. Form Submissions and Deadlines

The counter-request form is an intake channel, not a filing service. The Company is not responsible for supervisory, conversion or contractual deadlines you describe in a form before an engagement exists, and a form submission alone does not put your date on our calendar. If you face a hard deadline, say so explicitly and early — and keep a contingency plan until an engagement is signed.

8. Intellectual Property

The site's text, illustrations, the banking-hall design system and the "Hill Phoenix" name belong to the Company or its developer HILL PHOEN and are used with permission. You may link to the site and quote brief passages with attribution. You may not copy the design, the illustrations or substantial text for your own site or marketing.

9. Third-Party Links and Services

Links off this site — including to regulators, agencies or institutions — lead to services we do not control. Their terms and privacy practices govern there. A link is a courtesy, not an endorsement or a representation of accuracy.

10. Disclaimers

THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES REGARDING THE SITE, EXPRESS OR IMPLIED, INCLUDING ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT UNINTERRUPTED OR ERROR-FREE OPERATION.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY IS NOT LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, PENALTIES OR REGULATORY CONSEQUENCES ARISING FROM USE OF OR RELIANCE ON THIS WEBSITE. LIABILITY FOR WEBSITE-RELATED CLAIMS, IF ANY, IS LIMITED TO ONE HUNDRED U.S. DOLLARS. THIS SECTION DOES NOT LIMIT LIABILITY ARISING FROM SERVICES PERFORMED UNDER A SIGNED ENGAGEMENT, WHICH THE AGREEMENT ITSELF GOVERNS.

12. Indemnification

You agree to indemnify the Company against claims arising from your misuse of the site — including submissions of data you had no right to send, misrepresentation of a relationship with the Company, or technical attacks on the site.

13. Governing Law and Venue

These terms are governed by the laws of the State of Ohio, without regard to conflict-of-laws rules. Disputes about the website are brought exclusively in the state or federal courts sitting in Cuyahoga County, Ohio, and you consent to their jurisdiction.

14. Severability and Waiver

If a provision of these terms is unenforceable, the rest remain in effect. Our failure to enforce a provision once is not a waiver of our right to enforce it later.

15. Changes and Contact

We may update these terms; the current version lives on this page with its effective date. Questions about the terms or the site:

• Email: maria.garcia@hillphoeni.shop
• Telephone: +1 (440) 388-9416
• Post: HILL PHOENIX NA-W INC., 850 Euclid Ave Ste 819, Cleveland, OH 44114, United States