Terms and Conditions
By using our website, you agree to comply with these Terms of Service, as well as our Privacy Notice and any additional terms and conditions referenced herein or applicable to specific sections of the Site, or products and services we provide through the Site (collectively, the “Terms of Service”). Accessing the Site in any manner, whether automated or otherwise, signifies your acceptance of these Terms of Service. Simply accessing the Site to review these Terms of Service does not constitute your agreement to be bound by them, unless you continue to access or use the Site.
We reserve the right to modify these Terms of Service or introduce new conditions for using the Site at any time. In such cases, we will update the Terms of Service on our website and adjust the “Last Updated” date accordingly. If a material change is made to the Terms of Service, we will not apply the change retroactively (i.e., to Site usage prior to the change) unless we notify you through a prominent notice on the home or landing page of the Site, or by other means of notification. By continuing to use the Site after any changes have been posted or you have been notified of material changes, you accept the modified Terms of Service.
We also reserve the right to deny access to the Site or its features to anyone who violates these Terms of Service or, in our sole discretion, interferes with others’ ability to enjoy our website or infringes upon the rights of others.
Rights and Restrictions Related to Site Content
Your Limited Right to Use Site Materials: This Site and all materials on the Site are the property of us and/or our affiliates or licensors and are protected by copyright, trademark, and other intellectual property laws. The Site is intended solely for your personal, non-commercial use. You may not use the Site or its materials in a manner that infringes upon our rights or is unauthorized by us. More specifically, unless explicitly authorized in these Terms of Service or by the owner of the materials, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute in any manner or medium (including by email or other electronic means) any material from the Site. However, you may occasionally download and/or print one copy of individual pages of the Site for your personal, non-commercial use, provided that you keep all copyright and other proprietary notices intact. For information about obtaining permission to reproduce or distribute materials from the Site, please contact us.
Our Right to Use Materials You Submit or Post:
When you submit or post any material on the Site, you grant us, and anyone authorized by us, a royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide license to use, copy, modify, transmit, sell, exploit, create derivative works from, distribute, and/or publicly perform or display such material, in whole or in part, in any manner or medium (whether now known or later developed) for any purpose we choose. This grant includes the right to exploit any proprietary rights in such material, including, but not limited to, rights under copyright, trademark, or patent laws in any relevant jurisdiction. In addition, you grant us, and anyone authorized by us, the right to identify you as the author of any of your postings or submissions by name, email address, or screen name, as we deem appropriate. You acknowledge that the technical processing and transmission of the Site, including content you submit, may involve transmissions over various networks and may require changes to the content to conform and adapt to technical requirements of connecting networks or devices. You will not receive any compensation for the use of any materials submitted by you.
Linking and Framing Limitations You may create a hypertext link to our Site as long as the link does not imply any sponsorship of your website or service by us or our Site. However, without our prior written consent, you may not frame or inline link any of our Site’s content or incorporate our material, content, or intellectual property into another website or service.
Associated Press Material Limitations Some material on this Site is provided by the Associated Press. By using this Site, you acknowledge and agree that (1) you will not publish, display, broadcast, rewrite for broadcast or publication, or redistribute, directly or indirectly in any medium, any Associated Press text, photo, graphic, audio, and/or video material; and (2) no Associated Press materials or portions thereof may be stored in a computer except for personal and non-commercial use. The Associated Press will not be liable for any delays, inaccuracies, errors, or omissions in its materials, or in the transmission or delivery of all or any part of its materials, or for any damages arising from such issues. The Associated Press may impose other terms and conditions on the use of its materials. Please click here for more information.
Access to Site Features To access certain Site features, we may ask you to provide demographic information such as your gender, birth year, zip code, and country. If you choose to sign up for specific features, such as discussion forums, blogs, photo and video sharing pages, or social networking features, you may also need to register with us using the provided form, which may require information like your name and email address. You agree to provide accurate, current, and complete information as prompted by the Site’s registration form. If we have reasonable grounds to suspect that this information is inaccurate, incomplete, or outdated, we may suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof). Our use of any information you provide during registration is governed by our Privacy Notice.
Privacy We respect our Site users’ privacy. Please review our Privacy Notice. These Terms fully incorporate our Privacy Notice.
Username and Password Responsibility Certain Site features require a username and password to create an account. We reserve the right to reject or terminate any username we find offensive or inappropriate. We also reserve the right to terminate any username or account, or deny access to the Site or its features, to anyone who violates these Terms of Service or, in our sole judgment, interferes with others’ ability to enjoy our website or infringes upon the rights of others. You are responsible for maintaining the confidentiality of your password and account and are responsible for all activities (whether by you or others) that occur under your password or account. You agree to notify us immediately of any unauthorized use of your password or account or any other security breach and to ensure that you log out of your account at the end of each session. We are not liable for any loss or damage resulting from your failure to protect your password or account information.
You agree to be financially responsible for all purchases made by you or someone acting on your behalf through the Site. You agree to use the Site and purchase services or products through the Site for legitimate, non-commercial purposes only. You also agree not to make any purchases for speculative, false, or fraudulent purposes, or for the purpose of anticipating demand for a particular product or service. You agree to only purchase goods or services for yourself or for another person for whom you are legally permitted to do so. When making a purchase for a third party that requires you to submit the third party’s personal information to us or a merchant, you represent that you have obtained the express consent of such third party to provide their personal information.
User-Generated Content Accountability
This Site offers various features such as discussion forums, blogs, photo and video sharing, email services, and social networking options that enable users to provide feedback and interact with each other. The Site may also include personalized home pages and third-party communication services. By using these features, you agree to: (i) comply with our Community Rules; (ii) possess ownership of or have express consent from the material owner to post or submit content; (iii) obtain express consent from individuals depicted in posted material; (iv) be at least 13 years old; (v) not violate any rights or cause harm to any person or entity; and (vi) indemnify us, our affiliates, and our respective representatives against any liability arising from the submitted content. You also grant us a license to use the submitted materials as described in the “Rights and Restrictions Relating to Site Content” section.
You are solely responsible for the content you post or send through the Site. We are not liable for user-generated content, messages, or files transmitted or posted on the Site. We have no obligation to monitor user-generated content, but we reserve the right to screen, edit, move, delete, or reject any content that violates the Terms of Service or is deemed unacceptable for any reason.
We may preserve and disclose user-submitted content and materials as required by law or if necessary to: (a) comply with legal procedures; (b) enforce the Terms of Service; (c) respond to claims that content violates third-party rights; or (d) protect our Site, affiliates, officers, directors, employees, representatives, licensors, users, and the public’s rights, property, or safety.
All classified ads are subject to applicable rates and approval before publication. The Site reserves the right to edit, refuse, reject, classify, or cancel any ad at any time. Errors must be reported on the first day of publication. No refunds will be issued for early cancellation of orders.
By submitting a classified ad, you agree that the ad becomes our property and you transfer all ownership interests to us. Ad submission does not guarantee publication, and ad publication does not guarantee continued publication. We reserve the right to edit, reclassify, revise, reject, or cancel any advertisement at our sole discretion. Rates and specifications are subject to change.
Company Directory Usage Restrictions
Information in company directories provided on the Site is for business lookup purposes only and should not be used for marketing or telemarketing applications. Redistribution or copying of this information is prohibited. We and our suppliers are not liable for any issues arising from the use of this information.
Site Modifications or Discontinuation
We reserve the right to modify or discontinue the Site or any portion thereof at any time without notice. You agree that we are not liable for any modification, suspension, or discontinuation of the Site or any part of it.
Our Site contains links to third-party websites. Linking to these sites does not imply endorsement or sponsorship. We are not responsible for information, products, or services provided by third parties on the Site or linked websites.
THE SITE AND THIRD-PARTY INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
We do not guarantee that the Site will be uninterrupted, error-free, or free of harmful components. We do not make any representations about the correctness, accuracy, timeliness, reliability, or otherwise of the Site or materials on third-party sites.
You are responsible for providing all necessary hardware and software to access the Site and assume responsibility for any associated costs or damages.
Using the Site may result in charges from your wireless carrier
or internet service provider, and you are solely responsible for such charges. You must ensure that your use of the Site complies with the requirements of your carrier, internet service provider, or other data access methods. We do not control network access, and your use of these networks may not be secure, potentially exposing your personal information.
The Site is for informational purposes only and is not intended for trading, investing, or commercial use. Stock and mutual fund quotes, as well as related financial news stories, may be delayed by at least 20 minutes. The Site should not be used for high-risk activities where damage or injury to persons, property, environment, finances, or business may result from errors. You assume all risks associated with such use.
Your interactions with companies, organizations, or individuals found on or through the Site, including any purchases, transactions, or other dealings, and any associated terms, conditions, warranties, or representations, are solely between you and the respective parties. We are not responsible or liable for any loss or damage resulting from such dealings. In the event of a dispute between Site users or a user and a third party, we have no obligation to intervene. You agree to release us and our affiliates from any claims, demands, and damages arising from or related to such disputes and our Site.
Limitation of Liability IN NO EVENT SHALL WE, OUR SUBSIDIARIES, PARENT COMPANIES, OR AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OR INABILITY TO USE THIS SITE, INCLUDING ITS MATERIALS, PRODUCTS, SERVICES, OR THIRD-PARTY MATERIALS, PRODUCTS, OR SERVICES AVAILABLE THROUGH THIS SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. (SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY IN THOSE JURISDICTIONS. IN SUCH CASES, OUR LIABILITY, AS WELL AS THAT OF OUR SUBSIDIARIES, PARENT COMPANIES, AND AFFILIATES, IS LIMITED TO THE MAXIMUM EXTENT ALLOWED BY APPLICABLE LAW.) YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY USER. IF YOU ARE DISSATISFIED WITH THE SITE, ITS MATERIALS, PRODUCTS, OR SERVICES, OR THESE TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO CEASE USING THE SITE.
Indemnification You agree to defend, indemnify, and hold us, our affiliates, and their respective directors, officers, managers, employees, shareholders, agents, representatives, and licensors harmless from and against any and all losses, expenses, damages, and costs, including reasonable attorneys’ fees, arising from your use of the Site, violation of these Terms of Service by you or any person using your account, or your infringement of any rights of another. We reserve the right to assume the exclusive defense of any claim for which we are entitled to indemnification under this section, and in such cases, you agree to cooperate with our defense as reasonably requested.
Suspension and Termination of Access We may, at our sole discretion, suspend or terminate your password, account, or use of the Site, or any part of the Site, and remove and discard any materials submitted by you to the Site at any time, for any reason, without notice. We will not be liable to you or any third party for any suspension or termination of your password, account, or use of the Site, or any removal of materials submitted by you. If we suspend or terminate your access to and/or use of the Site, you remain bound by the Terms of Service in effect at the time of suspension or termination.
Notice of Copyright Infringement If you believe your copyrighted material has been reproduced, posted, or distributed on the Site in a manner infringing copyright, please notify our designated copyright agent at firstname.lastname@example.org. Include the following information in your notice: (1) a detailed description of the allegedly infringed copyrighted work; (2) the location of the allegedly infringing material on the Site; (3) your contact information, including your address, phone number, and email address, if available; (4) a statement that you have a good-faith belief that the allegedly infringing use is unauthorized by the copyright owner, its agent, or the law; (5) a statement, made under penalty of perjury, that the information in your notice is accurate and that you are authorized to act on the copyright owner’s behalf; and (6) an electronic or physical signature of the copyright owner or an authorized representative. Note that the contact information provided here is solely for suspected copyright infringement.
Restrictions The Site is designed for use by United States residents aged 13 or older. It may not comply with legal requirements of foreign countries. Other countries may have differing laws and regulatory requirements. By using this Site, you consent to the transfer and processing of any personal information you provide to the U.S., as outlined in the Privacy Notice under the laws of the United States and the State of New York, rather than under the law of your home country.
Other This agreement constitutes the entire agreement between you and us concerning the subject matter and supersedes all prior and contemporaneous agreements, proposals, and communications, whether written or oral. You may also be subject to additional terms and conditions when using third-party products or services available through the Site. In case of any conflict between such third-party terms and conditions and these Terms of Service, these Terms of Service shall prevail. This agreement will be governed by and construed in accordance with the laws of the State of New York, without giving effect to any principles of conflicts of law.
This agreement is personal to you, and you may not assign it to anyone. If any provision of this agreement is found to be unlawful, void, or unenforceable for any reason, that provision will be considered severable from this agreement and will not affect the validity and enforceability of the remaining provisions. These Terms of Service are not intended to benefit any third party and do not create any third-party beneficiaries. As such, only you or we may invoke or enforce these Terms of Service. You agree that any claim or cause of action related to the use of the Site or these Terms of Service must be filed by you within one year after such claim or cause of action arose, or it will be forever barred, regardless of any statute or law to the contrary.
Publisher, Not Author
The Site acts as a publisher and is not responsible for the content posted by authors or users. All content, opinions, advice, or other information expressed or made available by authors or users are those of the respective authors or users and not of the Site. The Site does not endorse or guarantee the accuracy, completeness, or reliability of any content, opinion, advice, or other information posted on the Site by authors or users.
Authors are solely responsible for the content they submit, post, or share on the Site. By submitting, posting, or sharing content on the Site, authors represent and warrant that they have the necessary rights, licenses, and permissions to publish such content, and that their content does not infringe on the rights of any third party, including, but not limited to, copyright, trademark, privacy, or other proprietary rights.
Disclaimer of Warranties
The Site, its content, products, and services are provided on an “as is” and “as available” basis, without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
Users of the Site are solely responsible for the content they submit, post, or share on the Site. By submitting, posting, or sharing content on the Site, users grant the Site a non-exclusive, royalty-free, worldwide license to use, reproduce, modify, distribute, and display such content.
Compliance with Laws
Users agree to comply with all applicable local, state, national, and international laws and regulations when using the Site.
Modifications to Terms of Service
The Site reserves the right to modify these Terms of Service at any time. Continued use of the Site following any such modifications constitutes the user’s acceptance of the updated Terms of Service.
Governing Law and Jurisdiction
Any disputes arising out of or related to the use of the Site or these Terms of Service shall be governed by and construed in accordance with the laws of the State of New York, without giving effect to any principles of conflicts of law. Users agree to submit to the exclusive jurisdiction of the courts of the State of New York for the resolution of any disputes arising out of or related to the use of the Site or these Terms of Service.