Terms and Conditions of Use
We may modify, suspend, discontinue, or restrict the use and availability of any portion of this Site at any time, without notice or liability.
User Content and License Grant
You agree that you are solely responsible for all material (including, but not limited to, information, data, comments, blog entries, Facebook postings, photographs, graphics, images, videos, quotations, files, and documents) that you submit, post, e-mail, upload, transmit, or otherwise make available via the Site (“User Content”). By submitting, posting, e-mailing, uploading, transmitting, or otherwise making available User Content to the Site, you represent and warrant that (i) you are the owner of the material, or (ii) you have the express permission from the owner to copy and use such User Content on the Site. We do not control and are not responsible for any User Content on the Site, and we do not guarantee the accuracy, appropriateness, or quality of any User Content on the Site.
You agree not to:
- Submit, post, e-mail, upload, transmit, or otherwise make available any User Content that is unlawful, abusive, defamatory, harmful, hateful, harassing, fraudulent, obscene, offensive, threatening, libelous, or vulgar;
- Harm minors in any way, including, but not limited to, submitting, posting, e-mailing, uploading, transmitting, or otherwise making available User Content that violates child sexual exploitation laws or child pornography laws;
- Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity;
- Submit, post, e-mail, upload, transmit, or otherwise make available any User Content that violates any intellectual property right, including, but not limited to, patents, copyrights, trademarks, and trade secrets, of any party;
- Submit, post, e-mail, upload, transmit, or otherwise make available any User Content that you do not have a right to transmit under law or under contractual or fiduciary relationships;
- Submit, post, e-mail, upload, transmit, or otherwise make available any unsolicited advertising, promotional materials, spam, junk mail, or any other forms of solicitation;
- Submit, post, e-mail, upload, transmit, or otherwise make available any material that contains harmful computer code designed to damage, destroy, interrupt, or limit the functionality of any computer hardware or software;
- Intentionally violate any applicable local, state, national, international or foreign law, rule, or regulation
You grant us and our affiliates, directors, officers, employees, agents, licensors, and vendors a perpetual, irrevocable, unrestricted, worldwide, nonexclusive, royalty-free, sublicensable, and transferable right and license to use, store, adapt, modify, display, publish, broadcast, perform, disclose, distribute, sell, reproduce, and create derivative works from any User Content, in whole or in part, in any medium or technology throughout the world, including any concepts, know-how, techniques, ideas, or expressions of ideas arising out of or based on the User Content, for any purpose in our sole discretion, without the requirement of any permission from or compensation or notice, and without liability, to you or any third party. We shall exclusively own all right, title, and interest in and to any derivative works created by or on behalf of us that incorporate or otherwise make use of any User Content, without the requirement of any permission from or compensation or notice, and without liability, to you or any third party.
You acknowledge that:
- We have the right but not the obligation to use and display any User Content, in whole or in part;
- We are not obligated to monitor User Content;
- We may or may not monitor User Content;
- We have the right in our sole discretion to monitor, remove, post, or move any User Content, in whole or in part, for any reason whatsoever, without notice and without liability.
Data, Information, and Content
The information, data, content, software, RSS and podcast feeds, products, services, or other materials on, generated by or obtained from this Site (collectively, “Materials”) are for education, information, and noncommercial purposes only. You should not construe the Materials or any other content available through this Site as investment, accounting, tax, or legal advice. You alone will bear the sole responsibility of evaluating the merits and risks associated with the use of any Materials before making any decisions based on such Materials. In exchange for using such Materials, you agree not to hold Company liable for any possible claim for damages arising from any decision you make based on the Materials made available to you through this Site. By providing access to other websites, Company is not endorsing any services provided by any website’s sponsoring organization.
The Materials on the Site are owned or licensed by Company and its third-party information providers, and are protected by United States intellectual property laws.
Under the Digital Millennium Copyright Act, the Company’s agent for notice of claims of copyright infringement or counter notices can be reached as follows: firstname.lastname@example.org
Data and other materials on this Site that are provided by third parties are believed to be from reliable sources, but Company cannot guarantee and is not responsible for their accuracy, completeness, or usefulness. Any link on this Site to a third party’s website does not constitute an implicit or explicit endorsement with respect to such website or its services. You will use any such third-party content at your own risk and you agree that Company is not liable for any loss or damage you may suffer by using third-party websites or any content, materials, or other information contained therein.
We, in our sole discretion, reserve the right to temporarily or permanently terminate your access to and use of this Site at any time and for any reason whatsoever, without notice or liability.
DISCLAIMER OF WARRANTIES
YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
THE INFORMATION, PRODUCTS AND SERVICES OFFERED ON OR THROUGH THE SITE AND BY COMPANY AND ANY THIRD-PARTY SITES ARE PROVIDED “AS IS” AND “AS AVAILABLE” AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED.
COMPANY DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES ABOUT THE SITE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.
COMPANY DOES NOT WARRANT THAT THE SITE WILL MEET YOUR NEEDS, OR THAT IT WILL BE SECURE, UNINTERRUPTED, TIMELY, OR ERROR-FREE.
COMPANY DOES NOT WARRANT THAT DEFECTS OR INACCURACIES WILL BE CORRECTED OR THAT ANY PART OF THIS SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
COMPANY MAKES NO WARRANTY THAT THE RESULTS OBTAINED FROM THE USE OF THE SITE WILL BE ACCURATE OR RELIABLE, OR THAT THE QUALITY OF ANY INFORMATION, PRODUCTS, SERVICES, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE WILL MEET YOUR EXPECTATIONS.
ANY MATERIALS DOWNLOADED OR OTHERWISE OBTAINED THROUGH THIS SITE ARE DONE AT YOUR OWN RISK. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR OTHER EQUIPMENT, OR LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD.
NEITHER COMPANY NOR ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, OR ANY THIRD-PARTY INFORMATION PROVIDERS AND VENDORS WILL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, INCOME, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, OR DAMAGES CAUSED BY THEFT, VIRUSES, UNAUTHORIZED ACCESS, OPERATOR ERRORS, SYSTEMS FAILURE, COMMUNICATIONS LINE FAILURE, OR WEATHER, OR THE COST OF PROCURING SUBSTITUTE GOODS OR SERVICES, CAUSED BY THE USE OF OR INABILITY TO USE THE SITE, MATERIALS OR ANY PRODUCTS OR SERVICES PROVIDED HEREIN, OR ANY OTHER MATTER RELATING TO THIS SITE, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE EXTENT THAT A JURISDICTION DOES NOT PERMIT THE EXCLUSION OR LIMITATION OF LIABILITY AS SET FORTH HEREIN, THE LIABILITY OF COMPANY AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND ANY THIRD-PARTY INFORMATION PROVIDERS AND VENDORS IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW IN SUCH JURISDICTIONS.
THIS SITE DOES NOT PROVIDE, AND SHOULD NOT BE CONSTRUED AS PROVIDING, INVESTMENT, ACCOUNTING, TAX, OR LEGAL ADVICE. THE MATERIALS AND INFORMATION CONTAINED HEREIN ARE FOR GENERAL INFORMATIONAL PURPOSES ONLY. IT IS YOUR SOLE RESPONSIBILITY TO OBTAIN COMPETENT INVESTMENT, ACCOUNTING, TAX, AND LEGAL ADVICE.
Integration and severability
FTC Required Disclosure
The FTC requires the disclosure of any material connections between advertisers and endorsers.
Such connections present potential conflicts of interest and should be disclosed as they can affect how consumers evaluate an endorsement.
As an example, if we were to review a book on this Site and then provide a link for you to purchase it, your evaluation of our endorsement could be affected if you knew we were to be paid a commission if you purchased the book from that link.
We may be compensated by companies or individuals mentioned on this Site through:
- Affiliate programs
A third-party compensating us if you follow a link on this Site and then purchase something
- Sponsored posts
A third-party compensating us for publishing a post, including, but not limited to, a post describing a good or service provided by that third-party
A third-party compensating us to place advertisements on this Site
- Other commercial arrangements.
You should assume that every product or service mentioned on this Site is compensating us in some way. You should do your own independent research before purchasing any product or service recommended or referenced on this Site.
Effective date: March 2017