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Terms of Use

Terms & Conditions of Use for the Patrick & Robinson, LLC Website

Effective: November 2014


This website, including all of its features and content (the “Website”) is a service made available by Patrick & Robinson, LLC or its affiliates (“Provider”) and all content, information, services and software ordered or provided on or through this Website (“Content”) may be used solely under the following terms and conditions (“Terms of Use”).

Website Limited License

As a user of this Website you are granted a nonexclusive, nontransferable, revocable, limited license to access and use this Website and Content in accordance with these Terms of Use. Provider may terminate this license at any time for any reason.

Limitations on Use

The Content on this Website is for your personal use only and not for commercial exploitation. You may not decompile, reverse engineer, disassemble, rent, lease, loan, sell, sublicense, or create derivative works from this Website or the Content. Nor may you use any network monitoring or discovery software to determine the site architecture, or extract information about usage, individual identities or users. You may not use any robot, spider, other automatic software or device, or manual process to monitor or copy our Website or the Content without Provider’s prior written permission. You may not copy, modify, reproduce, republish, distribute, display, or transmit for commercial, non-profit or public purposes all or any portion of this Website, except to the extent permitted above. You may not use or otherwise export or re-export this Website or any portion thereof, or the Content in violation of the export control laws and regulations of the United States of America. Any unauthorized use of this Website or its Content is prohibited.

Not Legal Advice

Content is not intended to and does not constitute legal advice . The accuracy, completeness, adequacy or currency of the Content is not warranted or guaranteed. Your use of Content on this Website or materials linked from this Website is at your own risk.

International Users

The Website is administered by Patrick & Robinson, LLC from its offices in the United States. Materials published at the Website may refer to products, programs, or services that are not available in your country. Furthermore, Patrick & Robinson, LLC makes no representation that the Materials at the Website are appropriate or available for use at other locations outside of the United States and access to them from territories where their contents are illegal is prohibited. You may not use the Website or export information and materials in violation of the export laws of the United States or any other country. If you access the Website from a location outside of the United States, you are responsible for compliance with all applicable laws.

Table of Contents

  1. Acceptance of Terms
  2. Your Obligations and Conduct
  3. Confidentiality of Patrick & Robinson, LLC Information
  4. Content Submitted to Patrick & Robinson, LLC
  5. Delivery of Email
  6. Indemnity
  7. Notices, Modification and Termination of Services
  8. Advertisements and Promotions
  9. Content Provided Via Links
  10. Intellectual Property Rights
  11. Disclaimer of Warranties
  12. Limitation of Liability
  13. Patrick & Robinson, LLC Privacy Policy
  14. General Terms



1.2 This Website (“Website”) includes without limitation: and all related websites and other online services accessible via the Website (collectively the “Services”); (b) information such as technical, contractual, product, program, pricing, marketing, and other valuable information (“Information”); and (c) content such as data, text, software, music, sound, photographs, graphics, video, messages, or other materials (“Content”). Patrick & Robinson, LLC controls and operates its Websites from various locations and makes no representation that this Website is appropriate or available for use in all locations. Patrick & Robinson, LLC products and services may not be available in your location, and deliverables may vary among locations. If you are using the Website on behalf of your employer, you represent and warrant that you are authorized to accept these Terms on your employer’s behalf, and that your employer agrees to indemnify you and Patrick & Robinson, LLC for violations of these Terms. In addition to the Terms and unless otherwise noted, the standard Patrick & Robinson, LLC terms and conditions of sale in your jurisdiction govern purchases you make through the Website, unless you have in effect a separate valid written purchase or license agreement with Patrick & Robinson, LLC for that product or service, in which case that separate agreement governs, and in cases of conflict, prevails.


2.1 Certain sections of this Website may require you to register. If registration is requested, you agree to provide Patrick & Robinson, LLC with accurate and complete registration information. It is your responsibility to inform Provider of any changes to that information. Each registration is for a single individual only, unless specifically designated otherwise on the registration page. Provider does not permit a) anyone other than you to use the sections requiring registration by using your name or password; or b) access through a single name being made available to multiple users on a network or otherwise. You are responsible for preventing such unauthorized use. If you believe there has been unauthorized use, you must notify Provider immediately by emailing In consideration of your use of the Website, you agree to: (a) provide accurate, current, and complete information about you as may be prompted by a registration form on the Website (the “Registration Data”); (b) maintain the security of your password and identification; (c) maintain and promptly update the Registration Data, and any information you provide to Patrick & Robinson, LLC, to keep it accurate, current and complete; and (d) accept all risks of unauthorized access to information and Registration Data. You have sole responsibility for adequate protection and backup of data and/or equipment used in connection with the Website.

2.2 You are entirely responsible for all Content that you upload, post or otherwise transmit via the Website. You agree not to upload, post or otherwise transmit via the Website Content that: (a) is inaccurate, harmful, obscene, pornographic, defamatory, racist, violent, offensive, harassing, or otherwise objectionable to Patrick & Robinson, LLC or other users of the Website; (b) includes unauthorized disclosure of personal information; (c) violates or infringes anyone’s intellectual property rights; or (d) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment. Patrick & Robinson, LLC reserves the right to edit or remove Content that violates these Terms or that contains third-party commercial advertisements.

2.3 You agree that you will not use the Website to: (a) transmit spam, bulk or unsolicited communications; (b) pretend to be Patrick & Robinson, LLC or someone else, or spoof Patrick & Robinson, LLC’s or someone else’s identity; (c) forge headers or otherwise manipulate identifiers (including URLs) in order to disguise the origin of any Content transmitted through the Services; (d) misrepresent your affiliation with a person or entity; (e) disrupt the normal flow of dialogue or otherwise act in a manner that negatively affects other users’ ability to use the Website; (f) engage in activities that would violate any fiduciary relationship, any applicable local, state, national or international law, or any regulations having the force of law, including but not limited to attempting to compromise the security of any networked account or site, operating an illegal lottery or gambling operation, stalking, or making threats of harm; or (g) collect or store personal data about other users unless specifically authorized by such users.


3.1 You may obtain direct access via the Website to certain confidential information of Patrick & Robinson, LLC and its suppliers, including without limitation technical, contractual, product, program, pricing, marketing and other valuable information that should reasonably be understood as confidential (“Confidential Information”). You must hold Confidential Information in strict confidence. Title to Confidential Information remains with Patrick & Robinson, LLC and its suppliers.

3.2 Your obligations regarding Confidential Information expire five (5) years after the date of disclosure. Upon termination of the Terms or Patrick & Robinson, LLC’s written request, you must cease use of Confidential Information and return or destroy it.

3.3 The Terms impose no obligation upon you with respect to Confidential Information that you can establish by legally sufficient evidence: (a) You possessed prior to your receipt from Patrick & Robinson, LLC, without an obligation to maintain its confidentiality; (b) is or becomes generally known to the public through no act or omission by you, or otherwise without violation of the Terms; (c) You obtained from a third party who had the right to disclose it, without an obligation to keep such information confidential; (d) You independently developed without the use of Confidential Information and without the participation of individuals who have had access to it, or (e) in response to a valid order by a court or other governmental body, as otherwise required by law, or as necessary to establish the rights of either party under these Terms and as disclosed after prior notice to Patrick & Robinson, LLC adequate to afford Patrick & Robinson, LLC the opportunity to object to the disclosure.

4. CONTENT SUBMITTED TO Patrick & Robinson, LLC

4.1 Patrick & Robinson, LLC does not claim ownership of the Content you place on the Website and shall have no obligation of any kind with respect to such Content. Unless otherwise stated herein, or in Patrick & Robinson, LLC’s Privacy Policy, any Content you provide in connection with this Website shall be deemed to be provided on a nonconfidential basis. Patrick & Robinson, LLC shall be free to use or disseminate such Content on an unrestricted basis for any purpose, and you grant Patrick & Robinson, LLC and all other users of the Website an irrevocable, worldwide, royalty-free, nonexclusive license to use, reproduce, modify, distribute, transmit, display, perform, adapt, resell and publish such Content (including in digital form). You represent and warrant that you have proper authorization for the worldwide transfer and processing among Patrick & Robinson, LLC, its affiliates, and third-party providers of any information that you may provide on the Website.

4.2 You shall not distribute on or through this Website any content or material containing any advertising, promotion, solicitation for goods, services or funds or solicitation for others to become members of any enterprise or organization without the express written permission of the Provider.

4.3 You shall not post, publish, upload or distribute any messages, data, information, text, graphics, links or other material (“Postings”) which is unlawful or abusive in any way, including but not limited to any Postings that are defamatory, libelous, pornographic, obscene, threatening, invasive of privacy or publicity rights, inclusive of hate speech, or would constitute or encourage a criminal offense, violate the rights of any party, or give rise to liability or violate any local, state, federal or international law, or the regulations of the U.S. Securities and Exchange Commission, any rules of any securities exchange such as the New York Stock Exchange, the American Stock Exchange, or the NASDAQ, either intentionally or unintentionally. Provider may delete your Posting at any time for any reason without permission from you.

4.4 Your Postings shall be accompanied by your real name and shall not be posted anonymously. Participants in interactive areas shall not misrepresent their identity or their affiliation with any person or entity.


Patrick & Robinson, LLC will attempt to deliver all of the email that is addressed to your email address on Patrick & Robinson, LLC’s Services. However, the nature of email is such that Patrick & Robinson, LLC cannot guarantee delivery of such email.


You agree to indemnify, defend and hold harmless Patrick & Robinson, LLC and its subsidiaries, affiliates, shareholders, officers, directors, agents, licensors, suppliers, alliance members, other partners, employees and representatives from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your Content, Your use of or connection to the Website (including any use by you on behalf of your employer), Your violation of the Terms, or your violation of any rights of another.


Patrick & Robinson, LLC may provide notice to you via email, regular mail, or posting notices or links to notices on the Website. Patrick & Robinson, LLC reserves the right at any time to modify, suspend or terminate the Services (or any part thereof), and/or your use of or access to them, with or without notice. Patrick & Robinson, LLC may also delete, or bar access to or use of, all related Information and files. Patrick & Robinson, LLC will not be liable to you or any third-party for any modification, suspension, or termination of the Services, or loss of related information. Patrick & Robinson, LLC may amend these Terms at any time by posting the amended terms on this Website.


Patrick & Robinson, LLC may run advertisements and promotions from third parties on the Website. Advertisers and sponsors are responsible for ensuring that material submitted for inclusion on this Website is accurate and complies with applicable laws. Provider will not be responsible for the illegality of or any error or inaccuracy in advertisers’ or sponsors’ materials or for the acts or omissions of advertisers and sponsors. Your correspondence or business dealings with, or participation in promotions of, advertisers other than Patrick & Robinson, LLC found on or through the Website, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. Patrick & Robinson, LLC is not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such non-Patrick & Robinson, LLC advertisers on the Website.


9.1 You may find links to other Internet sites or resources on the Website. You acknowledge and agree that Patrick & Robinson, LLC is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. Provider shall not be responsible for and assumes no liability for any infringement, mistakes, misstatements of law, defamation, slander, libel, omissions, falsehood, obscenity, pornography or profanity in the statements, opinions, representations or any other form of content contained in any third party content appearing on this Website. You understand that the information and opinions in the third party content is neither endorsed by nor does it reflect the belief of Provider. Patrick & Robinson, LLC will not be responsible or liable, directly or indirectly, for any actual or alleged damage or loss caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.


10.1 Except as expressly authorized by Patrick & Robinson, LLC or by Content providers, you agree not to reproduce, modify, rent, lease, loan, sell, distribute, mirror, frame, republish, download, transmit, or create derivative works of the Content of others, in whole or in part, by any means. You must not modify, decompile, or reverse engineer any software Patrick & Robinson, LLC discloses to you, and you must not remove or modify any copyright or trademark notice, or other notice of ownership.

10.2 “Patrick & Robinson, LLC Trademarks” means all names, marks, brands, logos, designs, trade dress, slogans and other designations Patrick & Robinson, LLC uses in connection with its products and services. You may not remove or alter any Patrick & Robinson, LLC Trademarks, or co-brand your own products or material with Patrick & Robinson, LLC Trademarks, without Patrick & Robinson, LLC’s prior written consent. You acknowledge Patrick & Robinson, LLC’s rights in Patrick & Robinson, LLC Trademarks and agree that any use of Patrick & Robinson, LLC Trademarks by you shall inure to Patrick & Robinson, LLC’s sole benefit. You agree not to incorporate any Patrick & Robinson, LLC Trademarks into your trademarks, service marks, company names, Internet addresses, domain names, or any other similar designations, for use on or in connection with computer or Internet-related products, services or technologies.

10.3 Patrick & Robinson, LLC is committed to respecting others’ intellectual property rights, and we ask our users to do the same. If you believe that your work has been copied in a way that constitutes copyright infringement on our Website, please contact

10.4 Unless explicitly stated herein, nothing in these Terms shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication, or otherwise. Permission is granted to display, copy, distribute and download Content owned by Patrick & Robinson, LLC on this Website provided that: (a) the copyright notice pertaining to the Content remains, and a permission notice (e.g., “Used with permission”) is added to such Content; (b) the use of such Content is solely for personal and non-commercial use; (c) such Content will not be copied or posted on any networked computer or published in any medium, except as explicitly permitted by valid permission or license covering such materials; and (d) no modifications are made to such Content. This permission terminates automatically without notice if you breach any of the terms or conditions in this Section 10.4. Upon termination, you must immediately destroy any downloaded and/or printed Content.

10.5. Digital Millennium Copyright Act – Notification of Alleged Copyright Infringement. Provider has registered an agent with the United States Copyright Office in accordance with the terms of the Digital Millennium Copyright Act (the “Act”) and avails itself of the protections under the Act. Provider reserves the right to remove any Content that allegedly infringes another person’s copyright. Provider will terminate, in appropriate circumstances, subscribers and account holders of the Provider’s system or network who are repeat infringers of another person’s copyright. Notices to Provider regarding any alleged copyright infringement should be directed to the Patrick & Robinson, LLC, 4029 Atlantic Boulevard, Jacksonville, Florida 32207, 904-396-5400 (phone), 904-396-9226 (fax), or


11.1 Your use of the web site is at your sole risk unless otherwise explicitly stated. The web site, including the information, services and content (as defined in section 1.2) is provided on an “as is” “as available” and “with all faults” basis. Patrick & Robinson, LLC disclaims all express or implied conditions, representations, and warranties of any kind, including any implied warranty or condition of merchantability, satisfactory quality, fitness for a particular purpose, or noninfringement. Patrick & Robinson, LLC makes no representations, warranties, conditions or guarantees as to the usefulness quality, suitability, truth, accuracy or completeness of the web site.

11.2 Patrick & Robinson, LLC makes no warranty or representation that: (a) the web site will be uninterrupted, timely, secure, or error-free; (b) the results that may be obtained from the use of the web site will be accurate or reliable; (c) the quality of any products, services, content, information, or other material purchased or obtained from the web site will meet your expectations or requirements; or (d) any errors in the web site will be corrected.

11.3 You assume all risk for any damage to your computer system or loss of data that results from obtaining any content from the web site, including any damages resulting from computer viruses.


12.1 To the full extent permitted by law, Patrick & Robinson, LLC is not liable for any direct, indirect, punitive, special, incidental, consequential, or exemplary damages (including, without limitation, loss of business, revenue, profits, goodwill, use, data, electronically transmitted orders, or other economic advantage) arising out of or in connection with the web site, even if Patrick & Robinson, LLC has previously been advised of, or reasonably could have foreseen, the possibility of such damages, however they arise, whether in breach of contract or in tort (including negligence), including without limitation damages due to: (a) the use of or the inability to use the web site; (b) the cost of procurement of substitute goods and services resulting from any goods, data, information or services purchased or obtained, or messages received or transactions entered into, through or from the web site; (c) statements or conduct of any third party on the website, including without limitation unauthorized access to or alteration of transmissions or data, malicious or criminal behavior, or false or fraudulent transactions; or (d) content or information you may download, use, modify or distribute.

12.2 To the extent that any jurisdiction does not allow the exclusion or limitation of direct, incidental or consequential damages, portions of the above limitation or exclusion may not apply.


You consent to the collection, processing and storage by Patrick & Robinson, LLC of your personal information in accordance with the terms of Patrick & Robinson, LLC’s Privacy Policy. You agree to comply with all applicable laws and regulations, and the terms of Patrick & Robinson, LLC’s Privacy Policy, with respect to any access, use and/or submission by you of any personal information in connection with this Website.


14.1 The Terms constitute the entire agreement between you and Patrick & Robinson, LLC relating to their subject matter, and cancel and supersede any prior versions of the Terms. No modification to the Terms will be binding, unless in writing and signed by an authorized Patrick & Robinson, LLC representative. You must not assign or otherwise transfer the Terms or any right granted hereunder. You also may be subject to additional terms and conditions that may apply when you use Patrick & Robinson, LLC or third-party products or services. Patrick & Robinson, LLC reserves the right to investigate complaints or reported violations of our Terms of Use and to take any action we deem appropriate including but not limited to reporting any suspected unlawful activity to law enforcement officials, regulators, or other third parties and disclosing any information necessary or appropriate to such persons or entities relating to user profiles, email addresses, usage history, posted materials, IP addresses and traffic information.

14.2 You agree that any material breach of Sections 2, 3, 4, 6, and 10 of the Terms will result in irreparable harm to Patrick & Robinson, LLC for which damages would be an inadequate remedy and, therefore, in addition to its rights and remedies otherwise available at law, Patrick & Robinson, LLC will be entitled to equitable relief, including both a preliminary and permanent injunction, if such a breach occurs. You waive any requirement for the posting of a bond or other security if Patrick & Robinson, LLC seeks such an injunction. Patrick & Robinson, LLC reserves the right to seek all remedies available at law and in equity for violations of these Terms of Use, including but not limited to the right to block access from a particular Internet address to this Website and any other Provider websites and their features

14.3 Florida law and controlling U.S. federal law govern any action related to the Terms and/or your use of the Website. Choice of law rules of any jurisdiction and the United Nations Convention on Contracts for the International Sale of Goods will not apply to any dispute under the Terms. You and Patrick & Robinson, LLC agree to submit to the personal and exclusive jurisdiction of the courts located within the county of Duval, Florida, U.S.A.

14.4 Services, Content, and product derived or obtained from this Website may be subject to the U.S. export laws and the export or import laws of other countries. You agree to comply strictly with all such laws and, in particular, shall: (a) obtain any export, reexport, or import authorizations required by U.S. or your local laws; and (b) not provide Services, Content, or direct product from this Website to prohibited countries and entities identified in the U.S. export regulations.

14.5 Rights and obligations under the Terms which by their nature should survive will remain in full effect after termination or expiration of the Terms.

14.6 Any express waiver or failure to exercise promptly any right under the Terms will not create a continuing waiver or any expectation of non-enforcement. If any provision of the Terms is held invalid by any law or regulation of any government, or by any court or arbitrator, the parties agree that such provision will be replaced with a new provision that accomplishes the original business purpose, and the other provisions of the Terms will remain in full force and effect.

What Our Clients Are Saying

I am so much more comfortable with how our finances are now being handled. Thanks for your help!
Dr. Randy T. HodgesSenior Pastor HernandoChurch of the Nazarene

Frequently Asked Questions


How can I increase my child’s financial aid?


Several strategies exist that may increase the amount of aid your child is eligible for:

  • Try to avoid putting assets in your child’s name. Investments owned by a child can impact...


4029 Atlantic Boulevard, Jacksonville, Florida 32207
6000-A Sawgrass Village Circle, Suite 1, Ponte Vedra Beach, Florida 32082


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