Terms & Conditions

Terms and Conditions

The following describes the Terms of Service Conditions of Use for our website.
PLEASE READ THIS DOCUMENT CAREFULLY BEFORE ACCESSING OR
USING OUR WEBSITE. BY ACCESSING OR USING OUR WEBSITE, YOU
AGREE TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH
BELOW. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND
CONDITIONS, YOU MAY NOT ACCESS OR USE OUR WEBSITE. IF YOU DO
NOT UNDERSTAND THESE TERMS AND CONDITIONS, DO NOT USE OUR
WEBSITE. WE MAY MODIFY THIS AGREEMENT AT ANY TIME WITHOUT
INDIVIDUAL, SPECIFIC NOTICE TO YOU, AND SUCH MODIFICATIONS
SHALL BE EFFECTIVE IMMEDIATELY UPON POSTING OF THE MODIFIED
AGREEMENT ON OUR WEBSITE. YOU AGREE TO REVIEW THE
AGREEMENT PERIODICALLY TO BE AWARE OF SUCH MODIFICATIONS
AND YOUR CONTINUED ACCESS OR USE OF OUR WEBSITE AFTER SUCH
NOTICE SHALL BE DEEMED YOUR CONCLUSIVE ACCEPTANCE OF THE
MODIFIED AGREEMENT, INCLUDING ANY AND ALL MODIFICATIONS,
ADDITIONS, DELETIONS, OR OTHER CHANGES.
OUR WEBSITE AND CONTENT ARE PROVIDED ON AN 'AS IS' BASIS
WITHOUT ANY WARRANTIES OF ANY KIND. OUR WEBSITE AND ITS
SUPPLIERS, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM
ALL WARRANTIES, INCLUDING (BUT NOT LIMITED TO) THE WARRANTY
OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES
RIGHTS, AND THE WARRANTY OF FITNESS FOR PARTICULAR PURPOSE.
OUR WEBSITE AND ITS SUPPLIERS MAKE NO WARRANTIES ABOUT THE
ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE
CONTENT, SERVICES, SOFTWARE TEXT, GRAPHICS, AND LINKS.
By using this website, you agree to obey these Terms of Service and Conditions of
Use. Please read them carefully.
Our website (and other “internal” websites stemming from it, such as specific
membership sites or webpages pertinent to the main website or weblog) is an online
(and, periodically, offline) information service and is subject to your compliance with
the terms and conditions set forth below (all parts and parties collectively referred to
as our website).
Any other policies, notices, or other legal/administrative pages contained in our
website are necessarily incorporated into these Terms of Service and Conditions of
Use. This may include, without limitation, a DMCA Policy, Privacy Policy,
Disclaimer, Copyright Notice, Anti-Spam Policy, and FTC Compliance Policy.

You agree to obey all applicable laws and regulations regarding your use of our
website and the content and materials provided in it.
Our website is an independent, stand-alone entity that has no relationship, connection,
or affiliation whatsoever with any company, person, outfit, organization, or group
mentioned herein, even if such name appears in our website name, domain, URL, or
otherwise. You should assume no other party, by mere mention of their name, has
endorsed anything you see here. The aim is simply to provide useful resources for our
readers, some of which we may be compensated for. You should simply assume at all
times we are being compensated and, while that may not prompt us to make unsound
recommendations, you should always be responsible for your own financial decisions,
be it investing, purchasing, donating, or otherwise.
1. Copyright, Licenses and Idea/User Submissions.
The following describes the Copyright Notice for our website.
The entire contents of our website are protected by intellectual property law, including
international copyright and trademark laws. The owner of the copyrights and/or
trademarks are our website, and/or other third party licensors or related entities.
You do not own rights to any article, book, ebook, document, blog post, software,
application, add-on, plugin, art, graphics, images, photos, video, webinar, recording or
other materials viewed or listened to through or from our website or via email or by
way of protected content in a membership site. The posting of data on our website,
such as a blog comment, does not change this fact and does not give you any right in
the data. You surrender any rights to your content once it becomes part of our website.
YOU MAY NOT MODIFY, COPY, REPRODUCE, REPUBLISH, UPLOAD, POST,
TRANSMIT, OR DISTRIBUTE, IN ANY MANNER, THE CONTENT ON OUR
WEBSITE, INCLUDING TEXT, GRAPHICS, CODE AND/OR SOFTWARE. You
must retain all copyright and other proprietary notices contained in the original
content on any copy you make of the content. You may not sell or modify the content
or reproduce, display, publicly perform, distribute, or otherwise use the content in any
way for any public or commercial purpose. The use of paid content on any other
website or in a networked computer environment for any purpose is prohibited. If you
violate any of the terms or conditions, your permission to use the content
automatically terminates and you must immediately destroy any copies you have
made of the content.
You are granted a nonexclusive, nontransferable, revocable license to use our website
only for private, personal, noncommercial reasons. You may print and download

portions of material from the different areas of the website solely for your own non-
commercial use, provided that you agree not to change the content from its original

form. Moreover, you agree not to modify or delete any copyright or proprietary
notices from the materials you print or download. Also note that any notice on any
portion of our website that forbids printing & downloading trumps all prior statements
and controls.
As a user, you agree to use the products and services offered by our website in a
manner consistent with all applicable local, state and federal laws and regulations. No
material shall be stored or transmitted which infringes or violates the rights of others,
which is unlawful, obscene, profane, indecent or otherwise objectionable, threatening,
defamatory, or invasive of privacy or publicity rights.
Our website prohibits conduct that might constitute a criminal offense, give rise to
civil liability or otherwise violate any law. Any activity that restricts or inhibits any
other user from using the services of our website is also prohibited. Unless allowed by
a written agreement, you may not post or transmit advertising or commercial
solicitation on our website.
You agree to grant to our website a non-exclusive, royalty-free, worldwide,
irrevocable, perpetual license, with the right to sub-license, to reproduce, distribute,
transmit, create derivative works of, publicly display and publicly perform any
materials and other information (including, without limitation, ideas contained therein
for new or improved products and services) you submit to any public areas of our
website (such as bulletin boards, forums, blog, and newsgroups) or by e-mail to our
website by all means and in any media now known or hereafter developed. You also
grant to our website the right to use your name in connection with the submitted
materials and other information as well as in connection with all advertising,
marketing and promotional material related thereto. You agree that you shall have no
recourse against our website for any alleged or actual infringement or
misappropriation of any proprietary right in your communications to our website.
Trademarks
Publications, products, content or services referenced herein or on our website are the
exclusive trademarks or servicemarks of our website or related parties. Other product
and company names mentioned in our website may be the trademarks of their
respective owners.
Links to Our Website

You may provide links to our website, provided you do not change, remove, or
obscure the copyright notice or other notices on our website. Your website or other
source of links must not engage in illegal or pornographic activities. Finally, you may
link provided you understand that you must stop linking to our website immediately
upon request by our website.
2. Use of our website.
You agree, acknowledge, and accept that we are not trained professionals and do not
purport to render professional or expert advice in any arena.
Data contained on or made available through our website is not intended to be, and
does not constitute, legal advice. Our website, and your use of it, does not create an
attorney-client relationship. We do not warrant or guarantee the accuracy, adequacy,
or recency of the data contained in or linked to our website.
Data contained on or made available through our website is not intended to be, and
does not constitute, medical or health advice. Our website, and your use of it, does not
create a physician-patient relationship. We do not warrant or guarantee the accuracy,
adequacy, or recency of the data contained in or linked to our website.
Data contained on or made available through our website is not intended to be, and
does not constitute, financial/investing advice. Our website, and your use of it, does
not create an advisor-client relationship. We do not warrant or guarantee the accuracy,
adequacy, or recency of the data contained in or linked to our website.
Your use of our website or materials linked to our website is completely at your own
risk. You should not act or depend on any data on our website, where applicable,
without seeking the counsel of a competent lawyer licensed to practice in your
jurisdiction for your particular legal issues. You should not act or depend on any data
on our website, where applicable, without seeking the counsel of a competent
physician licensed to practice in your jurisdiction for your particular medical issues.
You should not act or depend on any data on our website, where applicable, without
seeking the counsel of a competent financial advisor licensed to practice in your
jurisdiction for your particular financial needs and issues.
We may make changes to the features, functionality or content of our website at any
time. We reserve the right in our sole discretion to edit or delete any data appearing on
our website.
Your Duty To Other Users

Your use of our website is for your own personal, non-commercial benefit. In no way
are you to leverage our website in a way that mines for the personal information of
other, whether in blog comments or otherwise, for your own use or for the benefit of
others. This includes, but is not limited to, spam (unsolicited commercial email).
If you inadvertently obtain personal information about other users, you shall not share
this with anyone else.
Restricted access
Access to certain areas of our website is restricted. We reserve the right to restrict
access to other areas of our website, or indeed our whole website, at our discretion.
If we provide you with a user ID (username) and password to enable you to access
restricted areas of our website or other content or services, you must ensure that that
user ID and password is kept confidential. You may not share your user ID and/or
password with anyone for any reason, either directly or indirectly. You accept
responsibility for all activities that occur under your user ID or password.
We may disable your user ID and password at our sole discretion or if you breach any
of the policies or terms governing your use of our website or any other contractual
obligation you owe to us.
Third-Party Products/Services
You understand that, except for information, products or services clearly identified as
being supplied by our website, our website does not operate, control or endorse any
information, products or services on the Internet in any way. Except for information
identified by our website as such, all information, products and services offered
through our website or on the Internet generally are offered by third parties that are
not affiliated with our website, and we may be compensated.
Viruses, etc.
You also understand that our website cannot and does not guarantee or warrant that
files available for downloading through our website will be free of infection or
viruses, worms, Trojan horses or other code that 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 our website for the reconstruction of
any lost data.

Assumption of Risk
YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF OUR
WEBSITE AND THE INTERNET. OUR WEBSITE PROVIDES OUR WEBSITE
AND RELATED INFORMATION "AS IS" AND DOES NOT MAKE ANY
EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR
ENDORSEMENTS WHATSOEVER (INCLUDING WITHOUT LIMITATION
WARRANTIES OF TITLE OR NONINFRINGEMENT, OR THE IMPLIED
WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR
PURPOSE) WITH REGARD TO THE PRODUCT OR SERVICE, ANY
MERCHANDISE INFORMATION OR SERVICE PROVIDED THROUGH THE
SERVICE OR ON THE INTERNET GENERALLY, AND OUR WEBSITE SHALL
NOT BE LIABLE FOR ANY COST OR DAMAGE ARISING EITHER DIRECTLY
OR INDIRECTLY FROM ANY SUCH TRANSACTION. IT IS SOLELY YOUR
RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND
USEFULNESS OF ALL OPINIONS, ADVICE, SERVICES, MERCHANDISE AND
OTHER INFORMATION PROVIDED THROUGH THE SERVICE OR ON THE
INTERNET GENERALLY. OUR WEBSITE DOES NOT WARRANT THAT THE
SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT DEFECTS
IN THE SERVICE WILL BE CORRECTED.
YOU UNDERSTAND FURTHER THAT THE PURE NATURE OF THE
INTERNET CONTAINS UNEDITED MATERIALS SOME OF WHICH ARE
SEXUALLY EXPLICIT OR MAY BE OFFENSIVE TO YOU. YOUR ACCESS TO
SUCH MATERIALS IS AT YOUR RISK. OUR WEBSITE HAS NO CONTROL
OVER AND ACCEPTS NO RESPONSIBILITY WHATSOEVER FOR SUCH
MATERIALS YOU MIGHT SOMEHOW ACCESS.
Limitation of Liability
The content may contain inaccuracies or typographical errors. Our website makes no
representations about the accuracy, reliability, completeness, or timeliness of the
content or about the results to be obtained from using our website or the content on it.
Use of our website and the content is at your own risk. Changes are periodically made
to our website, and may be made at any time.
OUR WEBSITE DOES NOT WARRANT THAT OUR WEBSITE WILL OPERATE
ERROR-FREE OR THAT OUR WEBSITE AND ITS SERVER ARE FREE OF
COMPUTER VIRUSES AND OTHER HARMFUL GOODS OR CONDITIONS. IF
YOUR USE OF OUR WEBSITE OR THE CONTENT RESULTS IN THE NEED
FOR SERVICING OR REPLACING EQUIPMENT OR DATA, OUR WEBSITE IS
NOT RESPONSIBLE FOR THOSE COSTS.

Express Disclaimer of Consequential Damages
IN NO EVENT WILL OUR WEBSITE, ITS SUPPLIERS, OR ANY THIRD
PARTIES MENTIONED AT OUR WEBSITE BE LIABLE FOR (I) ANY
INCIDENTAL, CONSEQUENTIAL, INDIRECT OR OTHER DAMAGES
(INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS,
BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND
THE LIKE) ARISING OUT OF THE USE OF OR INABILITY TO USE THE
SERVICE, OR ANY INFORMATION, OR TRANSACTIONS PROVIDED ON
THE SERVICE, OR DOWNLOADED FROM THE SERVICE, OR ANY DELAY
OF SUCH INFORMATION OR SERVICE. EVEN IF OUR WEBSITE OR ITS
AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES, OR (II) ANY CLAIM ATTRIBUTABLE TO
ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICE
AND/OR MATERIALS OR INFORMATION DOWNLOADED THROUGH THE
SERVICE.
BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR
LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL
DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH
STATES, LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED
BY LAW, RESULTING IN THE SMALLEST DOLLAR AMOUNT PERMITTED
FOR THE AGGREGATE LIABILITY FOR BOTH OUR WEBSITE AND
AFFILIATED PARTIES FOR A CLAIM DERIVING FROM OR RELATED TO
OUR WEBSITE. THIS IS IN PLACE OF ANY AND ALL OTHER REMEDIES
OTHERWISE AVAILABLE.
Links to Other Websites.
Our website contains links to third party Websites. Our website makes no
representations whatsoever about any other website which you may access through
this one or which may link to this website. When you access a website from our
website, please understand that it is independent from our website, and that our
website has no control over the content on that website. These links are provided
solely as a convenience to you and not as an endorsement by our website of the
contents on such third-party Websites. Our website is not responsible for the content
of linked third-party Websites and does not make any representations regarding the
content or accuracy of material on such third party Websites. If you decide to access
linked third-party Websites, you do so at your own risk. We do not necessarily
endorse, recommend, suggest or otherwise make any overture or prompt for action
regarding any product or service offered. You should assume we are compensated for
any purchases you make. Again, any income claims should be construed as atypical

results and you assume the risk that inferior results obtain, including losses, for which
we carry no responsibility or liability.
User Submissions
As a user of our website, you are responsible for your own communications and are
responsible for the consequences of their posting. You must not do the following
things: post material that is copyrighted, unless you are the copyright owner or have
the permission of the copyright owner to post it; post material that reveals trade
secrets, unless you own them or have the permission of the owner; post material that
infringes on any other intellectual property rights of others or on the privacy or
publicity rights of others; post material that is obscene, profane, defamatory,
threatening, harassing, abusive, hateful, or embarrassing to another user of our
website or any other person or entity; post a sexually-explicit image; post
advertisements or solicitations of business; post chain letters or pyramid schemes; or
impersonate another person.
Our website does not represent or guarantee the truthfulness, accuracy, or reliability of
any communications posted by other users of our website or endorse any opinions
expressed by users of our website. You acknowledge that any reliance on material
posted by other users of our website will be at your own risk.
Our website does not necessarily screen communications in advance and is not
responsible for screening or monitoring material posted by users of our website. If
observed by our website and/or notified by a user of communications which allegedly
do not conform to this agreement, our website may investigate the allegation and
determine in good faith and its sole discretion whether to remove or request the
removal of the communication. Our website has no liability or responsibility to users
of our website for performance or nonperformance of such activities. Our website
reserves the right to expel users of our website and prevent their further access to our
website for violating this agreement or any law or regulation, and also reserves the
right to remove communications which are abusive, illegal, or disruptive.
Social Media Warning (Divulgence of Personal & Private Information)
Social media has provided a platform for internet users to disclose much personal
information about themselves, in a way that seems innocuous, if not proper and
expected. However, more than a few folks have already lived to regret personal
information that was shared either by them or others. This has long been true of
simple email. It is exponentially true of social websites and applications for social
media on any other website, including this one. You are cautioned against carelessly
disclosing information.

3. Indemnification.
You agree to indemnify, defend and hold harmless our website, its members, officers,
directors, employees, agents, licensors, suppliers and any third party information
providers to our website from and against all losses, expenses, damages and costs,
including reasonable attorneys' fees, resulting from any use of our website or violation
of this Agreement (including negligent or wrongful conduct) by you or any other
person accessing our website.
4. Third Party Rights.
The provisions of paragraphs 2 (Use of the Service), and 3 (Indemnification) are for
the benefit of our website and its owners, officers, directors, employees, agents,
licensors, suppliers, and any third party information providers to the Service. Each of
these individuals or entities shall have the right to assert and enforce those provisions
directly against you on its/their own behalf.
5.Term; Termination.
We reserve the right to investigate complaints or reported violations of these Terms of
Service and Conditions of Use and to take any action we deem appropriate, including
but not limited to reporting any suspected unlawful activity to law enforcement
officials, regulators, or other third parties and disclosing any data necessary or
appropriate to such persons or entities relating to your profile, email addresses, usage
history, IP addresses and traffic data.
This Agreement, in whole or in part, may be terminated by without notice at any time
for any reason. The provisions of paragraphs 1 (Copyright, Licenses and Idea
Submissions), 2 (Use of the Service), 3 (Indemnification), 4 (Third Party Rights), 6
(Hiring an Attorney / No Attorney-Client Relationship), and 7 (Miscellaneous) shall
survive any termination of this Agreement, in whole or in part.
6.Hiring an Investment Advisor, Attorney, or Medical or Other Professional / No
Attorney-Client Relationship or Fiduciary Capacity.
Choosing a lawyer, doctor, or investment advisor is a serious matter and should NOT
be based solely on data contained on our website or in advertisements.
The law is constantly changing and the data may not be complete or accurate
depending on your particular legal issue. Each legal issue depends on its individual
facts and different jurisdictions have different laws and regulations. This is why you
should seriously consider hiring licensed, professional counsel in your jurisdiction.

Medical issues are complex, and can often stem from both organic and psychological
factors. Never should a website be used as a source of diagnosing or treating medical
problems.
Financial matters are highly individualistic. Risk tolerance is just one factor to
consider before making any investments or financial decisions. For these, and other,
reasons, you should look to the guidance of a trained professional, not a website.
You may send us email, but in no instance will this communication in any way be
construed as initiating an attorney-client relationship, or other professional
relationship, and so the contact should not include confidential or sensitive data
because your communication will not be treated as privileged or confidential.
7.Miscellaneous.
Governing Law
This Agreement shall treated as though executed, set in force, and performed in the
State of California. Accordingly, it shall be governed and construed in accordance
with the laws of California in terms of those applicable to agreements, without regard
to conflict of law principles.
Disputes
Any cause of action by you with respect to our website must be instituted within one
(1) year after the cause of action arose or be forever waived and barred. All actions
shall be subject to the limitations set forth in these Terms of Service and Conditions of
Use. Any legal claim arising out of or relating to these Terms of Service and
Conditions of Use or our website, excluding intellectual property right infringement
and other claims by us, shall be settled confidentially through mandatory binding
arbitration per the American Arbitration Association commercial arbitration rules. The
arbitration shall be conducted in California. Each party shall bear one half of the
arbitration fees and costs incurred, and each party shall bear its own lawyer fees. All
claims shall be arbitrated on an individual basis, and shall not be consolidated in any
arbitration with any claim or controversy of any other party.
Modification
Neither the course of conduct between the parties nor industry trade practice shall act
to modify any provision of this Agreement.
Assignability

Our website may assign its rights and duties under this Agreement to any party at any
time without notice to you.
Contra Preferentum
The language in these Terms of Service and Conditions of Use shall be interpreted as
to its fair meaning and not strictly for or against any party. Any rule of construction to
the effect that ambiguities are to be resolved against the drafting party (i.e. – “contra
preferentum”) shall not apply in interpreting these Terms of Service and Conditions of
Use, as the Agreement shall be construed as having been co-authored by the parties.
Severability
Should any part of these Terms of Service and Conditions of Use be held invalid or
unenforceable, that portion shall be construed as much as possible consistent with
applicable law and severability shall apply to the remaining portions, so that they
remain in full force and effect.
This Agreement Prevails
To the extent that anything in or associated with our website is in conflict or
inconsistent with these Terms of Service and Conditions of Use, these Terms of
Service and Conditions of Use shall take precedence.
Waiver
Our failure to enforce any provision of these Terms of Service and Conditions of Use
shall not be deemed a waiver of the provision nor of the right to enforce the provision.
Our rights under these Terms of Service and Conditions of Use shall survive any
termination of this agreement.
Any rights not expressly granted herein are reserved to .
CHANGE NOTICE: As with any of our administrative and legal notice pages, the
contents of this page can and will change over time. Accordingly, this page could read
differently as of your very next visit. These changes are necessitated, and carried out
by , in order to protect you and our website. If this page is important to you, you
should check back frequently as no other notice of changed content will be provided
either before or after the change takes effect.

COPYRIGHT WARNING: The legal notices and administrative pages on this
website, including this one, have been diligently drafted by an attorney. We at have
paid to license the use of these legal notices and administrative pages on for your
protection and ours. This material may not be used in any way for any reason and
unauthorized use is policed via Copyscape to detect violators.
QUESTIONS/COMMENTS/CONCERNS: If you have any questions about the
contents of this page, or simply wish to reach us for any other reason, you may do so
by following this link: https://support15.cayzu.com terms of use