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Terms of Use & Service
IMPORTANT! THESE TERMS OF SERVICE GOVERN YOUR USE THIS SITE, WHICH IS
PROVIDED BY THE OWNER OF THIS SITE (hereafter the "Company"). BY
ACCESSING THIS SITE, YOU ARE INDICATING YOUR ACKNOWLEDGEMENT AND
ACCEPTANCE OF THESE TERMS OF USE. THESE TERMS OF USE ARE SUBJECT TO
CHANGE BY THE "COMPANY" AT ANY TIME AT OUR SOLE DISCRETION. YOUR USE OF
THIS SITE AFTER SUCH CHANGES ARE IMPLEMENTED CONSTITUES YOUR
ACKNOWLEDGEMENT AND ACCEPTANCE OF THE CHANGES. PLEASE READ THESE TERMS
OF USE PRIOR TO EVERY USE FOR ANY CHANGES.
Access To This Site
YOU MUST BE THIRTEEN (13) YEARS OF AGE OR OLDER TO ACCESS THIS WEB
SITE. IF YOU ARE UNDER THIRTEEN YEARS OF AGE YOU ARE NOT PERMITTED TO
ACCESS THIS WEB SITE FOR ANY REASON. DUE TO THE AGE RESTRICTIONS FOR THE
USE OF THIS SITE, NO INFORMATION OBTAINED BY THIS WEB SITE FALLS WITHIN
THE CHILD ONLINE PRIVACY ACT (COPA) AND IS NOT MONITORED AS DOING SO.
To access this site or some of the resources it has to offer, you may
be asked to provide certain registration details or other information.
It is a condition of your use of this site that all the information you
provide on this site will be correct, current, and complete. If the
"Company" believes the information you provide is not correct, current,
or complete, we have the right to refuse you access to this site or any
of its resources, and to terminate or suspend your access at any time,
without notice.
Restrictions On Use
You may use this site for purposes expressly permitted by the site.
You may not use this site for any other purpose, including any
commercial purpose, without the express prior written consent of the
"Company". For example, you may not (and may not authorize any other
party to) (i) co-brand this site, or (ii) frame this site, or (iii)
hyper-link to this site, without the express prior written permission of
an authorized representative of the "Company." For purposes of these
Terms of Use, "co-branding" means to display a name, logo, trademark, or
other means of attribution or identification of any party in such a
manner as is reasonably likely to give a user the impression that such
other party has the right to display, publish, or distribute this site
or content accessible within this site. You agree to cooperate with the
"Company" in causing any unauthorized co-branding, framing, or
hyper-linking to immediately cease.
Proprietary Information
The material and content (hereafter the "Content") accessible from
this site, and other sites owned, operated, licensed, or controlled by
the "Company" is the proprietary information of "Company" or the party
that provided the "Content" to "Company," and "Company" or the party
that provided the "Content" to "Company" retains all right, title, and
interest in the "Content."
ACCORDINGLY, THE "CONTENT" MAY NOT BE COPIED, DISTRIBUTED,
REPUBLISHED, UPLOADED, POSTED, OR TRANSMITTED IN ANY WAY WITHOUT PRIOR
WRITTEN CONSENT OF "COMPANY," OR UNLESS AUTHORIZED IN WRITING ELSEWHERE
ON OUR SITE, EXCEPT THAT YOU MAY PRINT OUT A COPY OF THE "CONTENT"
SOLELY FOR YOUR PERSONAL USE. IN DOING SO, YOU MAY NOT REMOVE OR ALTER,
OR CAUSE TO BE REMOVED OR ALTERED, ANY COPYRIGHT, TRADEMARK, TRADE NAME,
SERVICE MARK, OR ANY OTHER PROPRIETARY NOTICE OR LEGEND APPEARING ON
ANY OF THE "CONTENT." MODIFICATION OR USE OF THE "CONTENT" EXCEPT AS
EXPRESSLY PROVIDED IN THESE TERMS OF USE VIOLATES "COMPANY" INTELLECTUAL
PROPERTY RIGHTS. NEITHER TITLE NOR INTELLECTUAL PROPERTY RIGHTS ARE
TRANSFERRED TO YOU BY ACCESS TO THIS SITE.
Hyper-Links
This site may be hyper-linked to other sites which are not maintained
by, or related to, "Company." Hyper-links to such sites are provided as a
service to users and are not sponsored by or affiliated with this site
or "Company." "Company" has not reviewed any or all of such sites and is
not responsible for the content of those sites. Hyper-links are to be
accessed at the user's own risk, and "Company" makes no representations
or warranties about the content, the completeness, or the accuracy of
these hyper-links or the sites hyper-linked to this site. Further, the
inclusion of any hyper-link to a third-party site does not necessarily
imply endorsement by "Company" of that site.
Submissions
You hereby grant "Company" the royalty-free, perpetual, irrevocable,
worldwide, non-exclusive right and license to use, reproduce, modify,
adapt, publish, translate, create derivative works from, distribute,
perform, and display all content, remarks, suggestions, ideas, graphics,
or other information communicated to "Company" through this site
(together, hereafter the "Submission"), and to incorporate any
"Submission" in other works in any form, media, technology now known or
later developed. "Company" will not be required to treat any
"Submission" as confidential, and may use any "Submission" in its
business (including without limitation for products or advertising)
without incurring any liability for royalties or any other consideration
of any kind, and will not incur any liability as a result of any
similarities that may appear in future "Company" operations. "Company"
will treat any personal information that you submit through this site in
accordance with the Privacy Policy as set forth in this site.
Disclaimer
You understand that "Company" cannot and does not guarantee or warrant
that files available for downloading from the internet will be free of
viruses, worms, Trojan horses or other code that may manifest
contaminating or destructive properties. You are responsible for
implementing sufficient procedures and checkpoints to satisfy your
particular requirements for accuracy of data input and output, and for
maintaining a means external to this site for the reconstruction of any
lost data. "Company" does not assume any responsibility or risk for your
use of the internet. The "Content" is not necessarily complete and
up-to-date and should not be used to replace any written reports,
statements, or notices provided by "Company." Investors, borrowers, and
other persons should use the "Content" in the same manner as any other
medium and should not rely on the "Content" to the exclusion of their
own professional judgment. Information obtained by using this site is
not exhaustive and does not cover all issues, topics, or facts that may
be relevant to your goals.
YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE "CONTENT" IS PROVIDED
AS IS AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED.
"COMPANY" DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR
NON-INFRINGEMENT. "COMPANY" DOES NOT WARRANT THAT THE FUNCTIONS OR
"CONTENT" CONTAINED IN THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE,
THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT
MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
"COMPANY" DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE, OR
THE RESULT OF USE, OF THE "CONTENT" IN TERMS OF ACCURACY, RELIABILITY,
OR OTHERWISE. THE "CONTENT" MAY INCLUDE TECHNICAL INACCURACIES OR
TYPOGRAPHICAL ERRORS, AND "COMPANY" MAY MAKE CHANGES OR IMPROVEMENTS AT
ANY TIME. YOU, AND NOT "COMPANY," ASSUME THE ENTIRE COST OF ALL
NECESSARY SERVICING, REPAIR, OR CORRECTION IN THE EVENT OF ANY LOSS OR
DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS CONTENT. "COMPANY" MAKES
NO WARRANTIES THAT YOUR USE OF THE "CONTENT" WILL NOT INFRINGE THE
RIGHTS OF OTHERS AND ASSUMES NO LIABLILITY OR RESPONSIBILITY FOR ERRORS
OR OMISSIONS IN SUCH "CONTENT."
All the information in this site, whether historical in nature or
forward-looking, speaks only as of the date the information is posted on
this site, and "Company" does not undertake any obligation to update
such information after it is posted or to remove such information from
this site if it is not, or is no longer, accurate or complete.
Limitation On Liability
"COMPANY," ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS,
CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS WILL NOT
BE LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL,
CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR OTHER DAMAGES, INCLUDING LOSS OF
REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR
DAMAGES, EVEN IF "COMPANY" HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF "COMPANY" AND ITS
SUBISDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT
PROVIDERS, EMPLOYEES, AGENTS, OFFERS AND DIRECTORS, TO ANY PARTY
(REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR
OTHERWISE) EXCEED THE GREATER OF US$100 OR THE AMOUNT YOU HAVE PAID TO
"COMPANY" FOR THE APPLICABLE CONTENT, PRODUCT, OR SERVICE OUT OF WHICH
LIABLILITY AROSE.
Indemnity
You will indemnify and hold "Company," its subsidiaries, affiliates,
licensors, content providers, service providers, employees, agents,
officers, directors, and contractors (hereafter "Indemnified Parties")
harmless from any breach of these Terms of Use by you, including any use
of "Content" other than as expressly authorized in these Terms of Use.
You agree that the "Indemnified Parties" will hold no liability in
connection with any such breach or unauthorized use, and you agree to
indemnify any and all resulting loss, damages, judgments, awards, costs,
expenses, and attorney's fees of the "Indemnified Parties" in
connection therewith. You will also indemnify and hold the "Indemnified
Parties" harmless from and against any claims brought by third parties
arising out of your use of the information accessed from this site.
Trademarks
Trademarks, service marks, and logos appearing in this site are the
property of "Company" or the party that provided the trademarks, service
marks, and logos to "Company." "Company" and any party that provided
trademarks, service marks, and logos to "Company" retain all rights with
respect to any of their respective trademarks, service marks, and logos
appearing in this site.
Information You Provide
You may not post, send, submit, publish, or transmit in connection with this site any material that
- you do not have the right to post, including proprietary material of any third party;
- advocated illegal activity or discusses an intent to commit an illegal act;
- does not pertain directly to this site;
- threatens or abuses, libels, defames, invades privacy, stalks, is obscene, indecent, vulgar, pornographic, racist, harassing, threatening or offensive;
-seeks to exploit or harm children by exposing them to inappropriate content, asking for personally identifiable details or otherwise;
- infringes any intellectual property or other right of any entity or person, including violating any copyright of trademark or rights of publicity;
- violates any law or may be considered to violate any law;
- impersonates or misrepresents your connection to any other entity or person or otherwise manipulates headers or identifiers to disguise the origin of the content;
- advertises any commercial endeavor (e.g., offering for sale products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners, and/or soliciting goods or services) except as may be specifically authorized on this site;
- solicits funds, advertisers, or sponsors;
- includes programs which contain viruses, worms, and/or Trojan horses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications;
- disrupts the normal flow of dialogue, causes a screen to scroll faster than other users are able to type, or otherwise act in a way which effects the ability of other people to engage in real time activities via this site;
- includes MP3 format files
- amounts to a 'pyramid' or similar scheme
- disobeys any policy or regulations established from time to time regarding use of this site or any networks connected to this site; or
- contains hyper-links to other sites that contain content that falls within the descriptions set forth above..
Although under no obligation to do so, "Company" reserves the right to monitor use of this site to determine compliance with these Terms of Use, as well as the right to remove or refuse any information for any reason. Notwithstanding these rights, you remain solely responsible for the content of your submissions. You acknowledge and agree that neither "Company" nor any third party that provides "Content" to "Company" will assume or have any liability for any action or inaction by "Company" or such third party with respect to any submission.
Security
Any passwords used for this site are for individual use only. You will be responsible for the security of your password (if any). "Company" will be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that "Company" considers insecure, "Company" will be entitled to require the password to be changed and/or terminate your account.
You are prohibited from using any services or facilities provided in connection with this site to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools, or network probing tools) is strictly prohibited. If you become involved in any violation of system security, "Company" reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents. "Company" reserves the right to investigate suspected violations of these Terms of Use.
"Company" reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing "Company" to disclose the identity of anyone posting any email messages, or published or otherwise making available any materials that are believed to violate these Terms of Use.
BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS "COMPANY" FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY "COMPANY" DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER "COMPANY" OR LAW ENFORCEMENT AUTHORITIES.