Welcome to Concentric Advisors, Inc.’s (“Concentric,” “we,” “us,” or “our”) website. By accessing or using our website (the “Site”), you agree to comply with and be bound by the following Terms of Use (“Terms”), as well as all applicable laws and regulations. If you do not agree with any portion of these Terms, you must not use or access the Site.

We are committed to handling any personal data you provide or that we collect in accordance with all applicable data protection and privacy laws, including but not limited to the General Data Protection Regulation (“GDPR”), the California Consumer Privacy Act (“CCPA”), the EU-U.S. Data Privacy Framework (and the UK and Swiss extensions), ISO 27001, ISO 27701, and other relevant regulatory frameworks. Please review our Privacy Policy (incorporated herein by reference) for more information on how we collect, use, store, and protect your personal data.

PLEASE BE ADVISED THAT THESE TERMS CONTAIN A CLASS ACTION WAIVER AND JURY TRIAL WAIVER. PLEASE READ ALL THESE PROVISIONS BEFORE USING THE SITE.

1. Acceptance of These Terms

1.1 Scope and Applicability
By accessing or using the Site, you confirm that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any other policies or notices referenced herein. You are responsible for compliance with all applicable local, state, national, and international laws, rules, and regulations.

1.2 Age Requirement
You represent and warrant that you are of legal age in your place of residence to form a binding contract with us (or you have obtained the requisite consent from a parent or legal guardian) and that you are not prohibited from accessing the Site under the laws of any applicable jurisdiction.

2. Privacy and Data Protection

2.1 Compliance With Data Protection Laws
We process personal data in accordance with all relevant data protection laws, including GDPR, CCPA, and the EU-U.S. Data Privacy Framework, as well as the UK and Swiss extensions. We maintain technical and organizational measures consistent with ISO 27001 and ISO 27701 standards to protect the confidentiality, integrity, and availability of personal data.

2.2 International Data Transfers
Where required, we implement appropriate safeguards for the transfer of personal data (including Standard Contractual Clauses or reliance on adequacy decisions, such as the EU-U.S. Data Privacy Framework, where applicable) to ensure an adequate level of data protection.

2.3 Individual Rights
Depending on the jurisdiction in which you reside, you may have certain rights regarding your personal data, including the right to access, correct, delete, restrict, or object to the processing of your personal data, as well as the right to data portability. California residents may have additional rights under the CCPA. For more information about how we handle personal data or how to exercise these rights, please refer to our Privacy Policy or contact our Data Protection Officer at dpo@concentric.io.

3. Intellectual Property

3.1 Ownership
All materials on this Site, including but not limited to text, images, graphics, logos, design, and layout, are protected by applicable intellectual property laws (such as copyright, trademark, and related laws). Unless otherwise stated, Concentric owns or licenses all intellectual property rights in and to the Site’s content.

3.2 License and Restrictions
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Site for your personal or internal business purposes. You must not:

• Modify, copy, reproduce, republish, upload, post, transmit, display, perform, distribute, or create derivative works of any material on the Site without our prior written permission;

• Use any of the Site’s content in any manner that could infringe on any of Concentric’s or third parties’ intellectual property or proprietary rights; or

• Use the Site in any unlawful manner or in violation of these Terms.

3.3 Infringement 

If you believe your copyrighted work is being used on the Site in a manner that constitutes copyright infringement, please contact our designated agent at dpo@concentric.io. Notices of copyright infringement must include your name, address, phone number, and email address, along with a statement identifying the material that you believe is being used without consent and the reason you believe it constitutes copyright infringement. 

4. Disclaimer

4.1 No Warranties
The materials on Concentric’s Site(s) are provided on an “as is” and “as available” basis. To the fullest extent permissible under applicable law, Concentric disclaims all warranties, express or implied, including but not limited to implied warranties or conditions of merchantability, fitness for a particular purpose, and non-infringement.

4.2 No Guarantee of Accuracy
Concentric does not warrant or make any representations regarding the accuracy, completeness, reliability, or likely results of the use of the materials on the Site or any external websites linked to the Site. The information presented on the Site may not always be current or complete, and we reserve the right to make changes to the materials on the Site at any time without notice.

5. Indemnification

You agree to defend, indemnify, and hold harmless Concentric, its affiliates, officers, directors, employees, agents, licensors, clients, and subcontractors from and against any and all claims, damages, losses, liabilities, costs, and expenses relating to or arising from (i) your use of the Site, (ii) your violation of the Terms, (iii) your violation of any third party rights relating to or arising out of your use of the Site, or (iv) your violation of any law or regulation relating to, or arising out of, your use of or access to the Site.

6. Limitations of Liability

6.1 EXCLUSION OF DAMAGES
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CONCENTRIC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND SUPPLIERS SHALL NOT BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF DATA, PROFITS, REVENUE, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO THE USE OR INABILITY TO USE THE SITE OR ANY MATERIALS THEREIN, EVEN IF CONCENTRIC OR AN AUTHORIZED REPRESENTATIVE HAS BEEN NOTIFIED ORALLY OR IN WRITING OF THE POSSIBILITY OF SUCH DAMAGES.

YOU ACKNOWLEDGE THAT YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE SERVICE IS TO STOP USING THE SERVICE. 

NOTWITHSTANDING, THE FOREGOING, YOU AGREE THAT THE MAXIMUM AGGREGATE LIABILITY OF CONCENTRIC FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION RELATING TO YOUR USE OF THE SERVICE WILL BE EQUAL TO THE AMOUNT YOU PAID TO CONCENTRIC IN THE SIX-MONTH PERIOD IMMEDIATELY PRECEDING THE FACTS GIVING RISE TO YOUR CLAIM OR $100, WHICHEVER IS LESS.

6.2 Jurisdictional Limitations
Because some jurisdictions do not allow the exclusion or limitation of implied warranties or liability for certain types of damages, the above limitations may not apply to you. In such jurisdictions, Concentric’s liability shall be limited to the greatest extent permitted by law.

7. Revisions and Errata

The materials appearing on Concentric’s Site may include technical, typographical, or photographic errors. Concentric does not warrant that any of the materials are accurate, complete, or current. Concentric may make changes to the materials on the Site at any time without notice. However, Concentric is under no obligation to update or amend the materials.

8. Links to Third-Party Sites

8.1 No Endorsement
Our Site may contain links to third-party websites. Concentric has not reviewed all linked sites and is not responsible for the contents or privacy practices of any such linked site. The inclusion of any link on our Site does not imply endorsement by Concentric of the linked site’s content, products, or services.

8.2 Use at Own Risk
Your use of third-party websites is at your own risk and subject to the terms and conditions of those sites, including their privacy policies. We encourage you to review the privacy statements of any website you visit.

9. Modifications to These Terms

Concentric may update or revise these Terms at any time and for any reason without notice. Any changes to these Terms will be effective immediately upon posting to the Site. Your continued use of the Site following the posting of revised Terms signifies your agreement to the updated Terms.

10. Dispute Resolution 

10.1 Governing Law. Any claim relating to Concentric’s Site shall be governed by and construed in accordance with the laws of the State of Washington, without regard to its conflict of law provisions. All disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in the city of Seattle in the State of Washington, unless otherwise required by applicable law.

10.2 No Class Actions. YOU AND CONCENTRIC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. 

10.3 Waiver of Jury Trial. YOU UNDERSTAND AND AGREE THAT, BY ENTERING INTO THESE TERMS, YOU AND CONCENTRIC ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY.

11. Transparency in Coverage Rule (US Only)

This link leads to the machine-readable files made available in response to the federal Transparency in Coverage Rule. These files include negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data.

12. General Provisions

12.1 Entire Agreement. These Terms constitute the entire agreement between you and Concentric relating to the Site. These Terms supersede any and all prior or contemporaneous agreements or understandings between you and Concentric. 

12.2 Severability. If any provision of these Terms is found to be invalid by a court of competent jurisdiction, the provision shall be stricken. All other terms will remain in full force and effect. 

12.3 Waiver. No failure to exercise, or delay in exercising any rights, remedy, power, or privilege arising from these Terms will operate or be construed as a waiver thereof. Likewise, no single or partial exercise of any right, remedy, power, or privilege hereunder will preclude any other or further exercise thereof or the exercise of any other right, remedy, power, or privilege. 

13. Contact Information

If you have any questions or concerns about these Terms, our privacy practices, or any other aspect of our Site, please contact us at:

Concentric Advisors, Inc. 

C/O Data Protection Officer

5150 Carillon Point

Kirkland, WA 98033

United States of America

dpo@concentric.io

+ 1 (866) 828-5855 (within the US and Mexico)

+44 (0) 1432 760179 (within the UK, Switzerland, and EEA)

By using our Site, you acknowledge that you have read and agree to these Terms of Use and our Privacy Policy.