Massachusetts Division of Banks Terms of Use

Terms of Use

1. This document contains terms of use for the Office of Consumer Affairs and Business Regulation Portal web site. By using the Office of Consumer Affairs and Business Regulation Portal web site you agree to these terms and conditions. Please note that individual state agencies or other Commonwealth entities may adopt additional terms of use that apply to specific Web-based transactions with those agencies or data posted on their Web sites.

2. For your convenience, the Office of Consumer Affairs and Business Regulation Portal web site contains hypertext or other links to external Internet sites that are not provided or maintained by the Commonwealth. Please note that the Commonwealth cannot guarantee the accuracy, relevance, timeliness, or completeness of these external sites. In addition, the inclusion of links to non-governmental sites is not intended to endorse any views expressed, or products or services offered, on these sites, or the organizations sponsoring the sites.

3. All of the material posted on the Commonwealth's Websites and accessible to the public without use of an authenticating and authorizing mechanism (such as a "PIN" or password) is public record. Most of the public record posted on Commonwealth Websites can be copied and used for any purpose. For example, all judicial opinions and all laws and regulations are public record. However, some of the public record posted on the Commonwealth's Web sites is also copyrighted material (for example, regulations based on technical codes developed and copyrighted by private organizations).

With respect to material copyrighted by the Commonwealth, including the design, layout, and other features of the Office of Consumer Affairs and Business Regulation Portal web site, the Commonwealth forbids any copying or use other than "fair use" under the Copyright Act. "Fair use" includes activities such as criticism, comment, news reporting, teaching, research, and other related activities. In addition, please be advised that the Office of Consumer Affairs and Business Regulation Portal web site makes use of materials (including, but not limited to, photographs) copyrighted by third parties, which also cannot be copied or used for use other than "fair use" without permission of the copyright owner. If you want to make use other than "fair use" of any copyrighted information on this Web site, you must seek permission directly from the copyright owner.

The Commonwealth makes no warranty that the materials contained within the Office of Consumer Affairs and Business Regulation Portal web site are free from copyright claims, or other restrictions or limitations on free use or display. The Commonwealth disclaims any liability for the improper or incorrect use of information obtained from theOffice of Consumer Affairs and Business Regulation Portal web site.