{"component": "clause", "props": {"groups": [{"snippet": "6.3.1. Joint Owners acknowledge that: (a) All of the Joint Owners shall be jointly and severally liable for the obligations assumed in this Agreement; (b) Each joint owner shall be required to separately complete the Registration Process; (c) Any one or more Joint Owners shall have the authority to act on behalf of all Joint Owners, all without notice to the other Joint Owners; (d) Each Joint Owner hereby appoints each and every other Joint Owner as his/her agent and confers upon each and every Joint Owner the broadest possible power with respect to the Account; (e) The Company is authorized to act on the instructions of any Joint Owner, without further inquiry with regard to all Transactions, including without limitation, any transfer of funds, the placement of Orders and the disposition of any or all assets in the Account. The Company shall have no responsibility for further inquiry into such apparent authority, and shall bear no liability for the consequences of its acts or omissions made in reliance upon any such Instructions; (f) Each Joint Owner agrees to indemnify and save the Company harmless from and against any and all claims that may arise as a result of the Company following the Instructions given to it by any Joint Owner.", "samples": [{"hash": "e3zPq7lryZZ", "uri": "/contracts/e3zPq7lryZZ#joint-owners", "label": "Client Agreement", "score": 27.1802692413, "published": true}, {"hash": "fXGButoV7VT", "uri": "/contracts/fXGButoV7VT#joint-owners", "label": "Client Agreement", "score": 24.1567420959, "published": true}, {"hash": "2xv77fvJyEP", "uri": "/contracts/2xv77fvJyEP#joint-owners", "label": "Client Agreement", "score": 22.8097190857, "published": true}], "size": 8, "snippet_links": [{"key": "the-joint", "type": "definition", "offset": [49, 58]}, {"key": "jointly-and-severally-liable", "type": "definition", "offset": [75, 103]}, {"key": "obligations-assumed", "type": "clause", "offset": [112, 131]}, {"key": "in-this-agreement", "type": "definition", "offset": [132, 149]}, {"key": "registration-process", "type": "definition", "offset": [217, 237]}, {"key": "authority-to-act", "type": "clause", "offset": [287, 303]}, {"key": "on-behalf-of", "type": "definition", "offset": [304, 316]}, {"key": "notice-to-the", "type": "clause", "offset": [347, 360]}, {"key": "with-respect-to", "type": "clause", "offset": [540, 555]}, {"key": "the-account", "type": "clause", "offset": [556, 567]}, {"key": "authorized-to-act", "type": "clause", "offset": [588, 605]}, {"key": "instructions-of-any-joint-owner", "type": "clause", "offset": [613, 644]}, {"key": "with-regard-to", "type": "clause", "offset": [670, 684]}, {"key": "all-transactions", "type": "clause", "offset": [685, 701]}, {"key": "including-without-limitation", "type": "clause", "offset": [703, 731]}, {"key": "transfer-of-funds", "type": "clause", "offset": [737, 754]}, {"key": "placement-of-orders", "type": "clause", "offset": [760, 779]}, {"key": "disposition-of", "type": "clause", "offset": [788, 802]}, {"key": "all-assets", "type": "clause", "offset": [810, 820]}, {"key": "the-company-shall", "type": "clause", "offset": [837, 854]}, {"key": "responsibility-for", "type": "clause", "offset": [863, 881]}, {"key": "apparent-authority", "type": "clause", "offset": [908, 926]}, {"key": "liability-for", "type": "clause", "offset": [946, 959]}, {"key": "consequences-of", "type": "definition", "offset": [964, 979]}, {"key": "acts-or-omissions", "type": "clause", "offset": [984, 1001]}, {"key": "to-indemnify", "type": "clause", "offset": [1075, 1087]}, {"key": "all-claims", "type": "clause", "offset": [1143, 1153]}, {"key": "of-the-company", "type": "clause", "offset": [1181, 1195]}, {"key": "following-the", "type": "definition", "offset": [1196, 1209]}], "hash": "5276ac4d2c210f8f568cbe37d03add37", "id": 1}, {"snippet": "Joint owners of your Funding Account may also enroll for our \u2587\u2587\u2587\u2587 pay services and schedule payments to be charged against the Funding Account. Each joint owner of the Funding Account has full and independent authority to use our \u2587\u2587\u2587\u2587 pay services as if they were the sole owner, without the consent of or notice to any other joint owner. Such powers may include, without limitation, the authority to: (a) view all billing data and pay bills or other obligations of any joint owner; (b) order the payment or transfer of funds from the Funding Account; or (c) close the Funding Account at any time. We may: (a) honor the orders and follow the instruction of any one joint owner, without liability to any other joint owner(s), and without any obligation to give notice to other joint owners, or to inquire whether such other owner\u2019s consent; (b) honor any payment order from a joint owner even though it may create an overdraft in the Funding Account (and all joint owners are jointly and severally liable for repayment of overdrafts created by any joint owner); and (c) treat any notice required or permitted to be given concerning the Funding Account as being given to all joint owners when such notice is given to any one joint owner.", "samples": [{"hash": "8Z7zQA4PWC6", "uri": "/contracts/8Z7zQA4PWC6#joint-owners", "label": "Direct Connect Service Agreement", "score": 25.3874053955, "published": true}, {"hash": "hra4uCecPTF", "uri": "/contracts/hra4uCecPTF#joint-owners", "label": "Direct Connect Service Agreement", "score": 25.377822876, "published": true}, {"hash": "frfrJVcmSMk", "uri": "/contracts/frfrJVcmSMk#joint-owners", "label": "Direct Connect Service Agreement", "score": 25.377822876, "published": true}], "size": 6, "snippet_links": [{"key": "services-and-schedule", "type": "clause", "offset": [70, 91]}, {"key": "payments-to-be", "type": "clause", "offset": [92, 106]}, {"key": "the-funding-account", "type": "clause", "offset": [123, 142]}, {"key": "authority-to-use", "type": "definition", "offset": [209, 225]}, {"key": "sole-owner", "type": "definition", "offset": [268, 278]}, {"key": "consent-of", "type": "clause", "offset": [292, 302]}, {"key": "notice-to", "type": "definition", "offset": [306, 315]}, {"key": "without-limitation", "type": "clause", "offset": [364, 382]}, {"key": "the-authority", "type": "clause", "offset": [384, 397]}, {"key": "billing-data", "type": "definition", "offset": [415, 427]}, {"key": "pay-bills", "type": "clause", "offset": [432, 441]}, {"key": "obligations-of", "type": "clause", "offset": [451, 465]}, {"key": "the-payment", "type": "clause", "offset": [493, 504]}, {"key": "transfer-of-funds", "type": "clause", "offset": [508, 525]}, {"key": "at-any-time", "type": "clause", "offset": [585, 596]}, {"key": "the-orders", "type": "clause", "offset": [616, 626]}, {"key": "without-liability", "type": "clause", "offset": [678, 695]}, {"key": "obligation-to-give-notice", "type": "clause", "offset": [741, 766]}, {"key": "other-owner", "type": "definition", "offset": [817, 828]}, {"key": "payment-order", "type": "definition", "offset": [854, 867]}, {"key": "jointly-and-severally-liable", "type": "definition", "offset": [975, 1003]}, {"key": "repayment-of-overdrafts", "type": "clause", "offset": [1008, 1031]}, {"key": "created-by", "type": "definition", "offset": [1032, 1042]}, {"key": "notice-required", "type": "clause", "offset": [1079, 1094]}, {"key": "concerning-the", "type": "clause", "offset": [1120, 1134]}], "hash": "fce2cd9ddcb780ef78a791df184cd981", "id": 2}, {"snippet": "Where the property is jointly owned, the Landlord warrants that he/she is authorised to give instructions on their behalf.", "samples": [{"hash": "228mGQWWqFu", "uri": "/contracts/228mGQWWqFu#joint-owners", "label": "Management Service Agreement", "score": 29.9522075653, "published": true}, {"hash": "hKcD3ewXp3e", "uri": "/contracts/hKcD3ewXp3e#joint-owners", "label": "Management Service Agreement", "score": 21.2026004791, "published": true}, {"hash": "aktYCilIhXv", "uri": "/contracts/aktYCilIhXv#joint-owners", "label": "Management Service Agreement", "score": 21.2026004791, "published": true}], "size": 6, "snippet_links": [{"key": "the-property", "type": "clause", "offset": [6, 18]}, {"key": "jointly-owned", "type": "definition", "offset": [22, 35]}, {"key": "the-landlord", "type": "clause", "offset": [37, 49]}], "hash": "1127f287c8cda050a1f6a5b54a9ff05b", "id": 3}, {"snippet": "In the event that any Joint Owner other than Central \u2587\u2587\u2587\u2587\u2587\u2587 may be required to consent to this Agreement for any reason, the insurance and indemnification previously contained herein shall also cover and run to said Joint Owner with the same force and effect as if said Joint Owner was a signatory to this Agreement and any said Joint Owner shall be specifically named as an additional insured in said certificates insuring Licensee.", "samples": [{"hash": "9DpiQO7oKTZ", "uri": "/contracts/9DpiQO7oKTZ#joint-owners", "label": "Pole Attachment Agreement", "score": 36.2663070558, "published": true}, {"hash": "gJYHf9oJXhA", "uri": "/contracts/gJYHf9oJXhA#joint-owners", "label": "Pole Attachment Agreement", "score": 27.3285427094, "published": true}, {"hash": "dmXEnRlpP9F", "uri": "/contracts/dmXEnRlpP9F#joint-owners", "label": "Pole Attachment Agreement", "score": 25.3668727875, "published": true}], "size": 5, "snippet_links": [{"key": "in-the-event", "type": "clause", "offset": [0, 12]}, {"key": "joint-owner", "type": "definition", "offset": [22, 33]}, {"key": "for-any-reason", "type": "clause", "offset": [105, 119]}, {"key": "insurance-and-indemnification", "type": "clause", "offset": [125, 154]}, {"key": "force-and-effect", "type": "clause", "offset": [242, 258]}, {"key": "an-additional-insured", "type": "clause", "offset": [372, 393]}], "hash": "8cf4d2110eeaf06f3308d0e190fedbdc", "id": 4}, {"snippet": "Each joint owner of the Payment Account (or Billing Account as applicable) has full and independent authority to use the Service as if he or she was the sole owner, and without the consent of or notice to any other joint owner. Such powers include, without limitation, authority to see (a) the transactions, e-Bills, and other data associated with the Service and Payment Account (or Billing Account as applicable), (b) order Payment Instructions from the Payment Account, (c) cancel Scheduled Payments or e-Bills, and (d) close the Payment Account (or Billing Account as applicable). We may honor the Payment Instructions and other instructions of any one joint owner without inquiry, notice or liability to any other joint owner. All joint owners are jointly and severally liable for Provider Payments by the third-party service provider and for overdrafts in the Payment Account (or Billing Account as applicable). Notice by the Service to any one joint owner of the Payment Account (or Billing Account as applicable) shall also constitute notice by the Service to all joint owners.", "samples": [{"hash": "6NecRoGgU33", "uri": "/contracts/6NecRoGgU33#joint-owners", "label": "Bill Payment Service Agreement", "score": 25.4558525085, "published": true}, {"hash": "DWftbw0yrL", "uri": "/contracts/DWftbw0yrL#joint-owners", "label": "Bill Payment Service Agreement", "score": 25.3860378265, "published": true}, {"hash": "er5LSC4X3JP", "uri": "/contracts/er5LSC4X3JP#joint-owners", "label": "Bill Payment Service Agreement", "score": 25.376455307, "published": true}], "size": 4, "snippet_links": [{"key": "the-payment-account", "type": "clause", "offset": [20, 39]}, {"key": "billing-account", "type": "definition", "offset": [44, 59]}, {"key": "authority-to-use-the-service", "type": "clause", "offset": [100, 128]}, {"key": "sole-owner", "type": "definition", "offset": [153, 163]}, {"key": "consent-of", "type": "clause", "offset": [181, 191]}, {"key": "notice-to", "type": "definition", "offset": [195, 204]}, {"key": "without-limitation", "type": "clause", "offset": [249, 267]}, {"key": "the-transactions", "type": "clause", "offset": [290, 306]}, {"key": "other-data", "type": "definition", "offset": [321, 331]}, {"key": "associated-with", "type": "definition", "offset": [332, 347]}, {"key": "service-and-payment", "type": "clause", "offset": [352, 371]}, {"key": "payment-instructions", "type": "definition", "offset": [426, 446]}, {"key": "scheduled-payments", "type": "clause", "offset": [484, 502]}, {"key": "other-instructions", "type": "clause", "offset": [627, 645]}, {"key": "jointly-and-severally-liable", "type": "definition", "offset": [753, 781]}, {"key": "payments-by-the", "type": "clause", "offset": [795, 810]}, {"key": "party-service-provider", "type": "clause", "offset": [817, 839]}, {"key": "notice-by-the", "type": "clause", "offset": [918, 931]}], "hash": "393cc017704c1e503e00c3d2aee64b07", "id": 5}, {"snippet": "If your Member Capital is held jointly as tenants with full rights of survivorship, this \u2587\u2587\u2587 registration must be signed by all co-owners, and will be effective to transfer your member capital to the designated beneficiaries upon the death of the last to die of all joint tenants.", "samples": [{"hash": "7lfQwmpVERC", "uri": "/contracts/7lfQwmpVERC#joint-owners", "label": "Membership Agreement", "score": 33.3599357605, "published": true}, {"hash": "7HzbIB3BViJ", "uri": "/contracts/7HzbIB3BViJ#joint-owners", "label": "Membership Agreement", "score": 25.988363266, "published": true}, {"hash": "3ThbrnLqay2", "uri": "/contracts/3ThbrnLqay2#joint-owners", "label": "Membership Agreement", "score": 25.1793289185, "published": true}], "size": 4, "snippet_links": [{"key": "member-capital", "type": "definition", "offset": [8, 22]}, {"key": "rights-of-survivorship", "type": "clause", "offset": [60, 82]}, {"key": "signed-by", "type": "definition", "offset": [114, 123]}, {"key": "to-transfer", "type": "clause", "offset": [161, 172]}, {"key": "designated-beneficiaries", "type": "clause", "offset": [200, 224]}, {"key": "death-of-the", "type": "clause", "offset": [234, 246]}, {"key": "joint-tenants", "type": "definition", "offset": [266, 279]}], "hash": "3a894c83601be2972b6f3b6845fb2919", "id": 6}, {"snippet": "7.1 If the Occupation Right was initially granted to two of you, then you both will hold the benefits and have obligations under the Occupation Right jointly. Upon the death of one of you, the interest of that person will automatically transfer to the survivor of you, and the survivor will be entitled to a transfer of the Occupation Right into his or her sole name.\n7.2 No transfer into the name of your personal representative (following death) will be allowed.\n7.3 If one of you, holding the Occupation Right jointly with the other, ceases to reside permanently in the Residential Unit for any reason, then the joint interests of that Resident under the Occupation Right must be transferred to the remaining permanent Resident.", "samples": [{"hash": "3cehbn7VAYH", "uri": "/contracts/3cehbn7VAYH#joint-owners", "label": "Occupation Right Agreement", "score": 33.477935791, "published": true}, {"hash": "gu8kLOPMYOo", "uri": "/contracts/gu8kLOPMYOo#joint-owners", "label": "Occupation Right Agreement", "score": 25.3668727875, "published": true}, {"hash": "klcBkFDFel5", "uri": "/contracts/klcBkFDFel5#joint-owners", "label": "Occupation Right Agreement", "score": 23.77891922, "published": true}], "size": 4, "snippet_links": [{"key": "occupation-right", "type": "definition", "offset": [11, 27]}, {"key": "granted-to", "type": "definition", "offset": [42, 52]}, {"key": "the-benefits", "type": "clause", "offset": [89, 101]}, {"key": "obligations-under-the", "type": "clause", "offset": [111, 132]}, {"key": "death-of", "type": "definition", "offset": [168, 176]}, {"key": "the-interest", "type": "definition", "offset": [189, 201]}, {"key": "transfer-to", "type": "clause", "offset": [236, 247]}, {"key": "transfer-of-the", "type": "clause", "offset": [308, 323]}, {"key": "no-transfer", "type": "clause", "offset": [372, 383]}, {"key": "personal-representative", "type": "definition", "offset": [406, 429]}, {"key": "residential-unit", "type": "definition", "offset": [573, 589]}, {"key": "for-any-reason", "type": "clause", "offset": [590, 604]}, {"key": "joint-interests", "type": "definition", "offset": [615, 630]}], "hash": "88c9a750363153e3d0dd5928d6644ab5", "id": 7}, {"snippet": "If two or more joint owners hold an Account, remote deposit scanning, capture and transmission through the mRDC Service may be made by any one of them, subject to the payee endorsement requirements and Account ownership that comports with the Check or item. You hereby confirm that your joint account holder(s), if any, has/have consented to use of the Account(s) for the Service. We will end your use of the mRDC Service if any joint account holder notifies us that (i) he or she never consented to your use of the Service, (ii) the joint account can no longer be operated on your instructions alone, or (iii) he or she is withdrawing consent for you to operate the joint account.", "samples": [{"hash": "4Uq4U2Xj8lj", "uri": "/contracts/4Uq4U2Xj8lj#joint-owners", "label": "Mobile Remote Deposit Capture Service Addendum", "score": 25.1095142365, "published": true}, {"hash": "ikLswhbdJVb", "uri": "/contracts/ikLswhbdJVb#joint-owners", "label": "Mobile Remote Deposit Capture Service Addendum", "score": 24.1348400116, "published": true}], "size": 4, "snippet_links": [{"key": "remote-deposit", "type": "clause", "offset": [45, 59]}, {"key": "subject-to-the", "type": "definition", "offset": [152, 166]}, {"key": "endorsement-requirements", "type": "clause", "offset": [173, 197]}, {"key": "account-ownership", "type": "clause", "offset": [202, 219]}, {"key": "joint-account-holder", "type": "definition", "offset": [287, 307]}, {"key": "consented-to", "type": "definition", "offset": [329, 341]}, {"key": "your-use-of-the-service", "type": "clause", "offset": [500, 523]}, {"key": "the-joint", "type": "definition", "offset": [530, 539]}, {"key": "your-instructions", "type": "definition", "offset": [577, 594]}, {"key": "withdrawing-consent", "type": "clause", "offset": [624, 643]}, {"key": "to-operate", "type": "definition", "offset": [652, 662]}], "hash": "47287493665c73533cc75a01ffb9cec9", "id": 8}, {"snippet": "If this contract is owned jointly, the death of the first joint owner shall be treated as the death of the owner. Death of Annuitant before the Maturity Date. If you, the owner, are a different person from the annuitant, and the annuitant dies during your lifetime and before the maturity date, you will be treated as the annuitant. If you are not a natural person, and the annuitant dies before the maturity date, we will pay the death benefit to you in a single sum. You have the option to elect to receive the single sum any time within five years of the death of the annuitant. Death of Annuitant on or after the Maturity Date. If the annuitant dies on or after the maturity date, the death benefit, if any, will depend on the annuity option in effect on the date of the annuitant's death. Death of Beneficiary. Unless otherwise provided, if any beneficiary dies before, at the same time as, or within 30 days after your death, that beneficiary will be treated as if their death occurred before yours. J\u2587\u2587\u2587 \u2587\u2587\u2587 012345678 UC 8135-1 -7-", "samples": [{"hash": "hUkFzcnU9r4", "uri": "/contracts/hUkFzcnU9r4#joint-owners", "label": "Insurance Contract (Carillon Account)", "score": 16.0, "published": true}], "size": 4, "snippet_links": [{"key": "this-contract", "type": "definition", "offset": [3, 16]}, {"key": "joint-owner", "type": "definition", "offset": [58, 69]}, {"key": "death-of-the-owner", "type": "definition", "offset": [94, 112]}, {"key": "death-of-annuitant", "type": "clause", "offset": [114, 132]}, {"key": "natural-person", "type": "clause", "offset": [350, 364]}, {"key": "we-will-pay", "type": "clause", "offset": [415, 426]}, {"key": "the-death-benefit", "type": "clause", "offset": [427, 444]}, {"key": "single-sum", "type": "clause", "offset": [457, 467]}, {"key": "option-to", "type": "clause", "offset": [482, 491]}, {"key": "to-receive", "type": "definition", "offset": [498, 508]}, {"key": "any-time", "type": "definition", "offset": [524, 532]}, {"key": "within-five-years", "type": "definition", "offset": [533, 550]}, {"key": "death-of-the-annuitant", "type": "clause", "offset": [558, 580]}, {"key": "after-the-maturity-date", "type": "clause", "offset": [607, 630]}, {"key": "annuity-option", "type": "clause", "offset": [731, 745]}, {"key": "effect-on-the", "type": "clause", "offset": [749, 762]}, {"key": "date-of", "type": "clause", "offset": [763, 770]}, {"key": "death-of-beneficiary", "type": "clause", "offset": [794, 814]}, {"key": "days-after", "type": "definition", "offset": [909, 919]}, {"key": "your-death", "type": "clause", "offset": [920, 930]}], "hash": "88e72dafc3820d0aac446db418c154ec", "id": 9}, {"snippet": "The Minimum Guaranteed Death Benefit will only be payable on the death of the older joint Owner. Upon the death of the older joint Owner, if the Contract is continued, no Minimum Guaranteed Death Benefit applies for the remaining duration of the Contract.", "samples": [{"hash": "hVoTFl6wuYQ", "uri": "/contracts/hVoTFl6wuYQ#joint-owners", "label": "Individual Variable Annuity Contract (First Safeco National Life Insurance Co of Ny Sep Acct S)", "score": 18.0, "published": true}, {"hash": "2IY9xHh5NCD", "uri": "/contracts/2IY9xHh5NCD#joint-owners", "label": "Individual Variable Annuity Contract (First Safeco National Life Insurance Co of Ny Sep Acct S)", "score": 18.0, "published": true}], "size": 3, "snippet_links": [{"key": "minimum-guaranteed-death-benefit", "type": "clause", "offset": [4, 36]}, {"key": "death-of-the", "type": "clause", "offset": [65, 77]}, {"key": "joint-owner", "type": "definition", "offset": [84, 95]}, {"key": "upon-the-death", "type": "clause", "offset": [97, 111]}, {"key": "no-minimum", "type": "clause", "offset": [168, 178]}, {"key": "duration-of-the-contract", "type": "clause", "offset": [230, 254]}], "hash": "8f16fd144a4a248eab871d04c126b549", "id": 10}], "next_curs": "ClUST2oVc35sYXdpbnNpZGVyY29udHJhY3RzcjELEhZDbGF1c2VTbmlwcGV0R3JvdXBfdjU2IhVqb2ludC1vd25lcnMjMDAwMDAwMGEMogECZW4YACAA", "clause": {"parents": [["transfer-documentation", "Transfer Documentation"], ["mrdc-mobile-remote-deposit-capture-service", "mRDC \u2014 MOBILE REMOTE DEPOSIT CAPTURE SERVICE"], ["payment-plan-options", "Payment Plan Options"], ["consent-to-patronage-refund", "Consent to Patronage Refund"], ["other-patronage-refunds", "Other Patronage Refunds"]], "children": [], "title": "Joint Owners", "size": 84, "id": "joint-owners", "related": [["joint-ownership", "Joint Ownership", "Joint Ownership"], ["owners", "Owners", "Owners"], ["operators", "Operators", "Operators"], ["extra-trips", "Extra Trips", "Extra Trips"], ["owners-representatives", "Owner\u2019s Representatives", "Owner\u2019s Representatives"]], "related_snippets": [], "updated": "2025-07-24T04:27:57+00:00", "also_ask": ["What are the most effective mechanisms for resolving deadlocks between joint owners?", "Which ownership rights and obligations must be explicitly detailed to avoid ambiguity?", "How can the clause be structured to minimize risks of unintended transfer or dilution of ownership?", "What are the key differences in joint ownership treatment across relevant jurisdictions?", "How do courts typically interpret and enforce joint owner decision-making and exit provisions?"], "drafting_tip": "Specify each owner's rights and obligations to prevent disputes; define decision-making procedures to ensure efficient management; clarify exit mechanisms to provide certainty in ownership changes.", "explanation": "The Joint Owners clause defines the rights and responsibilities of two or more parties who share ownership of a particular asset, property, or intellectual property. It typically outlines how decisions regarding the jointly owned asset are made, how profits or expenses are divided, and the process for transferring or selling ownership interests. For example, it may require unanimous consent for major decisions or specify each owner's share of income and costs. This clause ensures clarity and prevents disputes by establishing clear rules for managing and benefiting from jointly owned assets."}, "json": true, "cursor": ""}}