Terms of Use

Terms of Use

Terms of Use: 

Welcome to the Gateway Financial Solutions (“GFS”) website, www.gatewayfinancial.org (“Site”).   Please read these Terms of Use carefully before you start to use the Site.  By accessing or using the Site, you agree to these Terms of Use.  If you do not agree to the Terms of Use, then you should discontinue your use of this Site. 

Your Use as Assent: 

The following terms and conditions, together with any documents they reference (collectively, these “Terms of Use”), govern your access to and use of, including any content, functionality and services offered on or through the Site.  By using the Site, you accept and agree to be bound and abide by these Terms of Use.  If you do not want to agree to these Terms of Use, you must not access or use the Site.  If you comply with these Terms of Use, GFS grants you a personal, non-exclusive, non-transferable, limited privilege to enter and use the Site. 

Site Content: 

GFS does not promise that the Site or any content, document, or feature of the Site will be error-free or uninterrupted, that any defects will be corrected, or that your use of the Site will provide specific results. The material in this Site could include technical inaccuracies or typographical errors.  The Site and its content are delivered on an “as-is” and “as-available” basis. 


The Site and all intellectual property pertaining to or contained in the Site is protected by United States and international copyright and trademark laws and other applicable intellectual property laws.  The Site, as well as any material made available for download, any content, files, code, documents, text, photographs, images, audio, and video, and any materials accessed through or made available for use or download through the Site (collectively, the “Content”) may not be copied, distributed, modified, reproduced, published, or used, in whole or in part, except for purposes authorized or approved, in writing, by GFS.  You are authorized solely to view and retain a copy of the pages of the Site for your own personal, non-commercial use.  You agree that you will not duplicate, publish, modify, create derivative works from, participate in the transfer of, post on the World Wide Web, or in any way distribute or exploit the Site, or any portion of the Site for any public or commercial use without the express written consent of GFS. 


Use of the Site: 

This Site, and the products and services described on the Site, are intended for use by individuals who are 18 years of age or older.  If you are under the age of 18, you should not be visiting the Site.  You may view the Content contained on the Site and print pages from the Site only for informational, non-commercial purposes.  Any unauthorized or illegal use of the Site or the Content is strictly prohibited.  GFS does not knowingly collect personal information from any child under the age of 18 at this Site.  

You agree not to attempt to log on to the Site from any country under sanctions by the Office of Foreign Asset Control (“OFAC”).  Which countries are under sanctions may be found on the United States Department of the Treasury website.  Any attempt to log on to the Site from such a country may result in your access being restricted or terminated.  Your use of the Site may be monitored, tracked, and recorded.  By using the Site, you expressly consent to such monitoring, tracking, and recording.  Your use of the Site is personal to you.  You agree that you will not duplicate, reproduce, sell, resell, use, or exploit the Content or the Site for any commercial purpose. 

You agree that you will not use any robot, spider, automatic, or manual device to monitor or copy the Site or any Content. You will not interfere or use any device, software, or process to interfere (or attempt to interfere) with the proper working of the Site.  You agree that when using the Site, you will not misrepresent your identity or impersonate any other person. 

You represent and warrant that you have the legal right and ability to enter these Terms of Use and to use the Site in accordance with these Terms of Use.  You understand and agree that your use of the Site is at your own discretion and at your own risk.  By using the Site, you understand and agree that GFS disclaims any liability (whether based in contract, tort, negligence, strict liability, or otherwise) for any direct, indirect, incidental, consequential, compensatory, punitive, or legal (whether under statute, regulation, or at common law) damages that may arise out of your access or use of the Site or your reliance on the Content.  This includes any liability that may be associated with any viruses that may infect your computer equipment. 

If GFS provides you with a secure means of accessing a portion of the Site (such as a User ID and Password) you agree that you are responsible for maintaining the confidentiality of such log-in credentials.  You agree that you will not share such log-in credentials.  If you do, you understand that you are responsible for any acts taken by the party to whom you provided the log-in credentials.  You agree that you will immediately notify GFS of any unauthorized use of your log-in credentials or other breach of security known to you. 

Digital Millennium Copyright Act: 

GFS respects the intellectual property rights of others.  All claims of copyright infringement should be brought to our attention by notifying our agent by providing the following information: 

  • A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; 
  • Identification of the copyrighted work claimed to have been infringed, or if multiple copyrighted works at a single on-line site are covered by a single notification, a representative list of such works at that site; 
  • Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material; 
  • Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and if available, an electronic mail address at which the complaining party may be contacted; 
  • A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and  
  • A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. 

Notices of the foregoing copyright issues should be sent as follows: 

By Mail: Gateway Financial Solutions, PO Box Saginaw, MI 48605. 

By E-Mail: [email protected]. 

GFS will take appropriate action following receipt of the above information including removal of any infringing material if necessary.   

Site Security: 

The Site resides behind a firewall and uses industry-standard security protocol to transmit personal information.  Data is encrypted during transmission.  Industry-standard data encryption techniques are used on our servers.  

You acknowledge and agree that Internet transmissions are never completely private or secure and that any message or information you send to the Site may be read or intercepted by others, notwithstanding our efforts to protect such transmissions.  In addition, as a condition of your use of this Site, you agree that you will not take any action for the purpose of compromising security (e.g., accessing data not intended for you, invading another’s privacy, password guessing programs, using cracking tools or network probing tools, or otherwise interfering with the Site or services) is strictly prohibited.  If you become involved in any violation of system security, we reserve the right to release your details to system administrators at other sites in order to assist them in resolving security incidents.   

Consent to Receive Direct Marketing Communications: 

By entering your email address on this Site, you agree to receive direct marketing communications from GFS via email.  You may opt out of email communications at any time by emailing gfscontactus.org and request no further email communication. 

Modification of Website: 

We reserve the right to amend this Site and any Content at any time and without notice. Any dated information is published as of that date.  GFS has no obligation or responsibility to update or amend any such information.  GFS reserves the right to terminate any Content or the Site at any time, without prior notice.  We reserve the right to change, improve, or correct Content on the Site and to suspend access to the Site for maintenance, upgrades, improvements, and/or corrections at any time, without notice.  GFS will not be liable for any period of time that the Site in whole or in part may be unavailable.  You agree to review the Content on the Site periodically to ensure that you are aware of any modifications.  If you continue to use the Site after modifications are effective, you agree to the Content as modified.   

Changes to the Terms of Use: 

We reserve the right to update these Terms of Use at our sole discretion.  Any revisions will be posted a minimum of ten days prior to the effective date.  By continuing to use the Site after the date of any change to the Terms of Use, you agree to be bound by the most recent version of the Terms of Use.  You should check this page periodically, so you are aware of any changes.  If you find the Terms of Use unacceptable for any reason, you may discontinue use of the Site. 

Linked Sites: 

This Site may contain links to third-party sites not controlled by GFS or covered by this Terms of Use (each, a “Third-Party Site”).  These links are provided solely as pointers to information on topics that may be useful to you.  However, the establishment of any link to a Third-Party Site is not a recommendation or endorsement by GFS of any products, services, information, goods, ideas, or opinions that may be found on any Third-Party Site.   

GFS makes no warranties, either express or implied, concerning the content of any Third-Party Site, including the accuracy, completeness, reliability, or suitability thereof for any particular purpose.  GFS does not warrant that any Third-Party Site is free from any claims of copyright, trademark, or other infringement.  GFS does not warrant that any Third-Party Site is free from any viruses or other contamination.   

You understand that Third-Party Sites may have a privacy policy that is different from that of GFS and that Third-Party Sites may provide less security than this Site.  The choice to access a Third-Party Site, or to purchase or otherwise use any of the products or services advertised or provided on a Third-Party Site is yours, in your sole discretion. 

Disclaimer of Warranties: 

Because of the possibility of human and mechanical error, as well as other factors, GFS and its affiliates are not responsible for any errors or omissions from the content made available on the Site.  You acknowledge that neither GFS, its affiliates, nor any of their respective employees, agents, third party content providers or licensors warrant that the products, services, or content on the Site will be uninterrupted or error free.  All content is provided “as is” to the user of the Site, without express or implied warranties of any kind including the warranties of merchantability, non-infringement of intellectual property, fitness for any particular purpose, or freedom from computer virus is given in conjunction with the content. 


By using the Site, you agree to defend, indemnify, and hold harmless GFS and its affiliates and third-party vendors and their respective employees, officers, agents, suppliers, agents, contractors from any claims, liabilities, damages, costs, fees or expenses arising out of or relating to your use of this Site or your violation of these Terms of Use, including but not limited to your use of any information obtained from this Site.  GFS reserves the right to assume or participate, at your expense, in the investigation, settlement, and defense of any such action or claim. 

Law, Jurisdiction, Venue, One Year to File Claim: 

This Site is located in the State of Michigan].  These Terms of Use and the relationship between you and GFS are governed by the laws of the State of Michigan without regard to its conflicts of law provisions.  You agree to the personal jurisdiction by, and venue in, the state and federal courts in Bay county, Michigan, and you agree and consent that such courts are the exclusive forum for litigation of any claim or cause of action arising out of or relating to your use of this Site or the Content.  You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or relating to your use of this Site, or the Content must be filed within one year after such claim or cause of action arose or be forever barred. 


GFS may terminate this Terms of Use or suspend or terminate your use of the Site without notice, at any time.  In the event we do so, we may notify you by email.  All provisions of the Terms of Use which by their nature should survive termination will survive termination, including, without limitation, all warranty disclaimers, limitations of liability, and dispute resolutions provisions.  


Entire Agreement, No Third-Party Beneficiaries: 

These Terms of Use constitute the entire agreement between you and GFS with regard to your use of the Site, and any and all other written or oral agreements or understandings previously existing between you and GFS with respect to such use are hereby superseded and cancelled.  This agreement is between you and GFS.  There are no third-party beneficiaries. 

Contacting GFS: 

If you have questions concerning the Terms of Use or the content or practices of this web site, please email us at [email protected] or call us at 989-790-5161 between 8:00 AM and 8:00 PM ET Monday – Friday or between 10:00 AM and 2:00 PM ET Saturday. 

Revised 9/22/2022 




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