Terms Of Use & Service

IMPORTANT! These terms of service govern your use of the websites provided by our company. By accessing the sites, you are indicating your acknowledgement and acceptance of these terms. These terms are subject to change at any time at our discretion. Your use of the sites after such changes are made constitute your acknowledgement and acceptance of the changes.

Access To These Sites

You must be thirteen years or older to access the sites, and eighteen years or older to purchase any product or service from the sites. If you do not meet these age requirements, you are not permitted to access these sites for any reason. Due to these age restrictions, the Child Online Privacy Act (COPA) does not apply to any information obtained by this website, and no monitoring related to COPA is performed.

To access the sites or some of the resources they offer, you may be asked for registration or other information. All information you provide must be correct, current, and complete. If we believe the information you provide is not correct, current, or complete, we may refuse access to the sites or any of their resources at any time, without notice.

Restrictions On Use

You may use the sites solely for purposes expressly permitted. You may not use them for any other purpose without express prior written consent. For example, you may not (and may not authorize any other party to) co-brand, or frame these sites without the express prior written permission of an authorized representative of our 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 the other party has the right to display, publish, or distribute the content accessible within these sites. You agree to cooperate with our company in immediately terminating any unauthorized co-branding or framing.

Proprietary Information

The material and content ("CONTENT") accessible from these sites is the proprietary information of our company or the party that provided the CONTENT, and the CONTENT provider retains all rights, title, and interest in the CONTENT. Except as explicitly provided elsewhere on out sites, the CONTENT may not be copied, modified, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of our company, except that you may print a copy of the CONTENT solely for your own 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. Neither title nor intellectual property rights are transferred to you by access to these sites.

Outgoing Links

These sites may be linked to other sites which are not maintained by or related to our company. Our company has not reviewed such sites and is not responsible for the content of those sites. Links may be accessed at the user's own risk, and our company makes no representations or warranties about the content, completeness or accuracy of these links or the sites linked to. The inclusion of any link to a third-party site does not necessarily imply endorsement of that site by our company.


You grant to our 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 ("SUBMISSION") communicated to our company through these sites, and to incorporate any SUBMISSION in other works in any form, media, or technology now known or later developed. Our company will not be required to treat any SUBMISSION as confidential, and may use any SUBMISSION in its business without incurring any liability for royalties or consideration of any kind, and will not incur any liability as a result of any similarities that may appear in future company operations.

Our company will treat any personal information that you submit through these sites in accordance with our Privacy Policy as set forth on these sites.

Warranty, Disclaimers & Legal Rights

You understand that our company cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojans or other undesirable code. You are responsible for implementing sufficient procedures to satisfy your requirements for accuracy and safety of data input and output. Our 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 our company. Investors, borrowers, and other persons should use the CONTENT in the same manner as any other educational medium and should not rely on the CONTENT to the exclusion of their own professional judgment. Information obtained by using these sites is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals.

The content of our Warranties, Disclaimers & Legal Rights page shall be considered incorporated into this page.


You will indemnify and hold our company, its subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors ("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 have 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 CONTENT accessed from these sites.


Trademarks, service marks, and logos appearing in these sites are the property of company or the party that provided the trademarks, service marks, and logos. The company and any party that provided trademarks, service marks, and logos retain all rights with respect to any of their respective trademarks, service marks, and logos appearing on these sites.

Information You Provide

You may not post, send, submit, publish, or transmit in connection with these sites any material that:

  • you do not have the right to post;
  • advocates illegal activity or discusses an intent to commit an illegal act;
  • is vulgar, obscene, pornographic, or indecent;
  • relates to gambling, whether for real money or not;
  • threatens or abuses others, libels, defames, invades privacy, stalks, is obscene, pornographic, racist, abusive, 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 anyone's copyrights or trademarks or their 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 these sites;
  • 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 ability of others to engage in real time activities via these sites;
  • amounts to a 'pyramid' or similar scheme;
  • disobeys any policy or regulations established from time to time regarding use of these sites or any networks connected to these sites; 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, our company reserves the right to monitor use of these sites for compliance with these Terms of Use, and 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 our company nor any third party that provides CONTENT to our company assumes or has any liability for any action or inaction by the company or such third party with respect to any SUBMISSION.


Any passwords used for these sites are for individual use only. You are responsible for the security of your passwords. Our company may monitor your password and, at its discretion, require you to change it. If you use a password that our company considers insecure, we are entitled to require the password to be changed and/or terminate access to your account.

You are prohibited from using any services or facilities provided with these sites to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (password guessing, cracking or network probing tools, etc.) is strictly prohibited. If you are involved in any violation of system security, we reserve the right to release your details to system administrators at other sites in order to assist them in resolving security incidents. We reserve the right to investigate suspected violations of these Terms of Use.

We reserve the right to fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone posting, publishing or otherwise making available any materials believed to violate these Terms.

By accepting this aggreement, you waive and hold harmless our company from any claims resulting from any action taken by our company during or as a result of its investigations and/or from any actions taken as a consequence of investigations by either our company or law enforcement authorities.


If any part of these Terms of Use is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. These Terms of Use constitute the entire agreement among the parties relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on these sites will govern the items to which they pertain. Our company may revise these Terms of Use at any time by updating this page or any pages included in this agreement by this page.