Terms Of Service

Intellectual property rights – our limited license to you

This Site and all the materials available 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 provided solely for your personal noncommercial use.

You may not use the Site or the materials available on the Site in a manner that constitutes an infringement of our rights or that has not been authorized 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 download and/or print one copy of individual pages of the Site for your personal, non-commercial use, provided that you retain all copyright and other proprietary notices intact.

Your license to us

By posting or submitting any material (including, without limitation, comments, blog entries, Facebook postings, photos, and videos) to us via the Site, internet groups, social media venues, or to any of our staff via email, text, or otherwise, you are representing: (i) that you are the owner of the material or are making your posting or submission with the express consent of the owner of the material; and (ii) that you are thirteen years of age or older.

Additionally, when you submit, email, text, deliver, or post any material, 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, now known or hereafter developed, for any purpose.

**The foregoing grant shall include the right to exploit any proprietary rights in such posting or submission, including, but not limited to, rights under copyright, trademark, service mark, or patent laws under any relevant jurisdiction. Additionally, in connection with the exercise of such rights, 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 and agree that any contributions originally created by you for us shall be deemed a “work made for hire” when the work performed is within the scope of the definition of a work made for hire in Section 101 of the United States Copyright Law, as amended. Consequently, the copyrights in those works shall belong to COMPANY from their creation.

Hence, COMPANY shall be considered the author and exclusive owner thereof and shall have the right to exploit any or all of the results and proceeds in any and all media, now known or hereafter devised, throughout the universe, in perpetuity, in all languages, as COMPANY determines. In case any of the results and proceeds of your submissions hereunder are not considered a “work made for hire” under Section 101 of the Copyright Act, as amended, you hereby, without additional compensation, irrevocably assign, convey, and transfer to COMPANY all proprietary rights, including, without limitation, all copyrights and trademarks throughout the universe, in perpetuity, in every medium, whether now known or hereafter devised, to such material and any and all right, title, and interest in and to all such proprietary rights in every medium, whether now known or hereafter devised, throughout the universe, in perpetuity.

Any posted material that is a reproduction of prior works by you shall be co-owned by us. You acknowledge that COMPANY has the right, but not the obligation, to use and display any postings or contributions of any kind, and that COMPANY may choose to cease the use and display of any such materials (or any portion thereof) at any time and for any reason whatsoever.**

Limitations on linking and framing

You may establish a hypertext link to the Site as long as the link does not state or imply any sponsorship of your site by us or by the Site. However, without our prior written permission, you may not frame or inline link any of the content of the Site, nor incorporate any of our material, content, or intellectual property into another website or other service.

Disclaimers

Throughout the Site, we may provide links and pointers to Internet sites maintained by third parties. Our linking to such third-party sites does not imply endorsement or sponsorship of those sites, or the information, products, or services offered on or through the sites. Furthermore, neither we nor our affiliates operate or control in any respect the information, products, or services that third parties may provide on or through the Site, or on websites linked to by us on the Site.

If applicable, any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, are those of the respective authors or distributors and not COMPANY. Neither COMPANY nor any third-party provider of information guarantees the accuracy, completeness, or usefulness of any content. Moreover, COMPANY neither endorses nor is responsible for the accuracy and reliability of any opinion, advice, or statement made on any of the Sites by anyone other than an authorized COMPANY representative while acting in his/her official capacity.

The information, products, and services offered on or through the Site and by COMPANY and any third-party sites are provided “as is” and without warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. We do not warrant that the Site or any of its functions will be uninterrupted or error-free, that defects will be corrected, or that any part of this Site, including bulletin boards, or the servers that make it available, are free of viruses or other harmful components. We do not warrant or make any representations regarding the use or the results of the use of the Site or materials on this Site or on third-party sites in terms of their correctness, accuracy, timeliness, reliability, or otherwise.

Indemnification

You agree at all times to defend, indemnify, and hold harmless COMPANY, its affiliates, their successors, transferees, assignees, and licensees, and their respective parent and subsidiary companies, agents, associates, officers, directors, shareholders, and employees of each from and against any and all claims, causes of action, damages, liabilities, costs, and expenses, including legal fees and expenses, arising out of or related to your breach of any obligation, warranty, representation, or covenant set forth herein.

Online commerce

Certain sections of the Site may allow you to purchase a variety of products and services online that are provided by third parties. We are not responsible for the quality, accuracy, timeliness, reliability, or any other aspect of these products and services. If you make a purchase from a merchant on the Site or on a site linked to by the Site, the information obtained during your visit to that merchant’s online store or site, and the information that you provide as part of the transaction, such as your credit card number and contact information, may be collected by both the merchant and us.

A merchant may have privacy and data collection practices that differ from ours. We have no responsibility or liability for these independent policies. Additionally, when you purchase products or services on or through the Site, you may be subject to additional terms and conditions that specifically apply to your purchase or use of such products or services. For more information about a merchant, its online store, its privacy policies, and any additional terms and conditions that may apply, visit the merchant’s website and review its information links or contact the merchant directly.

Release and responsibilities

You release us and our affiliates from any damages that you incur and agree not to assert any claims against us or them, arising from your purchase or use of any products or services made available by third parties through the Site. Your participation, correspondence, or business dealings with any third party found on or through our Site, regarding payment and delivery of specific goods and services, and any other terms, conditions, representations, or warranties associated with such dealings, are solely between you and such third party.

You agree that COMPANY shall not be responsible or liable for any loss, damage, or other matters of any sort incurred as a result of such dealings. 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 to purchase services or products through the Site for legitimate, non-commercial purposes only. Furthermore, you 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 purchase goods or services only 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.

Purchase and access

Your purchase is intended for personal use only. Sharing purchases is not permitted and will be considered unauthorized, constituting an infringing use of our copyrighted material. Such unauthorized sharing may subject violators to liability. In cases where payment for a course is declined, our system will automatically disable access to our premium materials. (We understand that this can occur due to credit card expiration.) Our aim is to assist you in regaining access. We will make every effort to contact you to resolve the issue. Once the billing matter is resolved, we will reinstate access.

Interactive features

This Site offers a variety of features, including bulletin boards, web logs, chat rooms, and email services, which facilitate feedback to us and real-time interaction among users. It also includes other features that enable communication between users and others.

The responsibility for content posted on bulletin boards, web logs, chat rooms, and other public posting areas on the Site, as well as content sent via any email services on the Site, lies with each user. You alone are responsible for the material you post or send. We do not exercise control over the messages, information, or files that you or others may provide through the Site.

It is a condition of your use of the site that you do not:

Restrict or inhibit any other user from using and enjoying the Site.
Use the Site to impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity.
Interfere with or disrupt any servers or networks used to provide the Site or its features, or disobey any requirements, procedures, policies, or regulations of the networks we use to provide the Site.
Use the Site to instigate or encourage others to commit illegal activities or cause injury or property damage to any person.
Gain unauthorized access to the Site, or any account, computer system, or network connected to this Site, by means such as hacking, password mining, or other illicit means.
Obtain or attempt to obtain any materials or information through any means not intentionally made available through this Site.
Use the Site to post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane, or indecent information of any kind, including any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any local, state, national, or international law.
Use the Site to post or transmit any information, software, or other material that violates or infringes upon the rights of others, including material that is an invasion of privacy or publicity rights or that is protected by copyright, trademark, or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or rights holder.
Use the Site to post or transmit any information, software, or other material that contains a virus or other harmful component.
Use the Site to post, transmit, or exploit any information, software, or other material for commercial purposes, or that contains advertising.
Use the Site to advertise or solicit anyone to buy or sell products or services, or to make donations of any kind, without our express written approval.
Collect, for marketing purposes, any email addresses or other personal information that has been posted by other users of the Site.

Message boards, chats, and public forums

COMPANY may host message boards, chats, and other public forums on its Sites. Users failing to comply with the terms and conditions of this Agreement may be expelled from and denied continued access to message boards, chats, or other public forums in the future. COMPANY or its designated agents may remove or modify any user-created content at any time and for any reason. These message boards, chats, and public forums are designed to facilitate discussions among users and subscribers. Information and content posted within these public forums may originate from COMPANY staff, outside contributors working with COMPANY, or users not affiliated with COMPANY, some of whom may use anonymous user names.

COMPANY explicitly disclaims all responsibility and endorsement and does not guarantee the validity of any opinions, advice, information, or statements made or displayed in these forums by third parties. Furthermore, we are not liable for any errors or omissions in such postings, or for hyperlinks embedded in any messages. Under no circumstances will we, our affiliates, suppliers, or agents be liable for any loss or damage caused by your reliance on information obtained through these forums. The opinions expressed in these forums belong solely to the participants and do not reflect the opinions of COMPANY, its subsidiaries, or affiliates.

While COMPANY has no obligation to consistently monitor the content or postings on the message boards, chat rooms, or other public forums on the Sites, you acknowledge and agree that we have the full right to monitor them at our sole discretion. Moreover, we reserve the right to modify, edit, decline to post, or remove any postings or content, whether partially or entirely, for any reason. We may also disclose such materials and the circumstances surrounding their transmission to third parties in order to fulfill any applicable law, regulation, legal process, governmental request, or to safeguard ourselves, our clients, sponsors, users, and visitors.

Occasionally, we grant access to an online community as part of our programs. We aim for every member to contribute value to the group. Our objective is to ensure that your community becomes the most valuable one of which you are a member. Consequently, we reserve the right to remove any member at any time. This action is taken rarely, but we emphasize how seriously we regard our communities.

Registration

To access specific features of the Site, we may request certain demographic information, including your gender, year of birth, zip code, and country. Additionally, if you choose to sign up for particular Site features, such as chat rooms, web logs, or bulletin boards, you may be required to register with us using the provided form. This registration may necessitate the provision of personally identifiable information, such as your name and email address.

By using the Site’s registration form, you agree to provide accurate, current, and complete information about yourself. If we have reasonable grounds to believe that such information is untrue, inaccurate, or incomplete, we retain the right to suspend or terminate your account and to deny any current or future use of the Site (or any portion thereof). Our use of any personally identifiable information you provide during the registration process is governed by the terms of our Privacy Policy.

Passwords

Certain features of the Site require a username and password, which you will receive through the Site’s registration process. You are responsible for maintaining the confidentiality of your password and account and are liable for all activities (whether by you or others) carried out under your password or account. You commit to promptly notifying us of any unauthorized use of your password or account or any other security breach. Additionally, ensure that you log out of your account at the conclusion of each session. We cannot and will not be held liable for any loss or damage resulting from your failure to safeguard your password or account information.

Limitation of liability

UNDER NO CIRCUMSTANCES, INCLUDING NEGLIGENCE, SHALL WE, OUR SUBSIDIARY AND PARENT COMPANIES, OR AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES RESULTING FROM THE USE OF, OR THE INABILITY TO USE, THE SITE. THIS INCLUDES OUR MESSAGING, BLOGS, COMMENTS OF OTHERS, BOOKS, EMAILS, PRODUCTS, OR SERVICES, OR THIRD-PARTY MATERIALS, PRODUCTS, OR SERVICES MADE AVAILABLE THROUGH THE SITE OR BY US IN ANY WAY. EVEN IF WE ARE ADVISED IN ADVANCE OF THE POSSIBILITY OF SUCH DAMAGES. (SINCE SOME STATES DO NOT PERMIT THE EXCLUSION OR LIMITATION OF CERTAIN CATEGORIES OF DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, OUR LIABILITY AND THAT OF OUR SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES IS LIMITED TO THE FULLEST EXTENT ALLOWED BY SUCH STATE LAW.) YOU SPECIFICALLY 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, ANY MATERIALS, PRODUCTS, OR SERVICES ON THE SITE, OR WITH ANY OF THE SITE’S TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE AND THE PRODUCTS, SERVICES, AND/OR MATERIALS.

Disclaimer regarding financial advice

COMPANY IS NOT AN INVESTMENT ADVISORY SERVICE, NOR IS IT AN INVESTMENT ADVISER. WE DO NOT PROVIDE PERSONALIZED FINANCIAL ADVICE OR ACT AS A FINANCIAL ADVISOR. OUR EXISTENCE IS SOLELY FOR EDUCATIONAL PURPOSES. THE MATERIALS AND INFORMATION CONTAINED HEREIN, AS WELL AS IN OUR PRODUCTS AND SERVICES, ARE INTENDED FOR GENERAL INFORMATIONAL PURPOSES ONLY. NONE OF THE INFORMATION PROVIDED BY US IS INTENDED AS INVESTMENT, TAX, ACCOUNTING, OR LEGAL ADVICE. IT IS NEITHER AN OFFER NOR A SOLICITATION OF AN OFFER TO BUY OR SELL, NOR AN ENDORSEMENT, RECOMMENDATION, OR SPONSORSHIP OF ANY COMPANY, SECURITY, OR FUND. OUR INFORMATION SHOULD NOT BE RELIED UPON FOR THE PURPOSE OF ENGAGING IN SECURITIES OR OTHER INVESTMENTS.

WE DO NOT OFFER OR PROVIDE TAX, LEGAL, OR INVESTMENT ADVICE. YOU ARE RESPONSIBLE FOR CONSULTING TAX, LEGAL, OR FINANCIAL PROFESSIONALS BEFORE ACTING ON ANY INFORMATION PROVIDED BY US. THIS SITE IS CONTINUALLY UNDER DEVELOPMENT, AND COMPANY MAKES NO WARRANTY OF ANY KIND, IMPLIED OR EXPRESS, AS TO ITS ACCURACY, COMPLETENESS, OR APPROPRIATENESS FOR ANY PURPOSE.

No guarantees

YOU ACKNOWLEDGE AND AGREE THAT NO REPRESENTATION HAS BEEN MADE BY COMPANY OR ITS AFFILIATES THAT SHOULD BE RELIED UPON REGARDING FUTURE INCOME, EXPENSES, SALES VOLUME, OR POTENTIAL PROFITABILITY THAT MAY ARISE FROM PARTICIPATING IN THIS PROGRAM.

Termination

We reserve the right to cancel or terminate your right to use the Site or any part of it without prior notice. Upon cancellation or termination, you are no longer authorized to access the portion of the Site affected by such action. The restrictions, disclaimers, and limitations of liability outlined in these Terms of Service will continue to apply.

Refund policy

Your purchase of a product, service, or ticket to an event may or may not include a refund option. Each specific product, service, event, or course will specify its own refund policy.

Other

The Digital Millennium Copyright Act of 1998 (the “DMCA”) offers remedies for copyright owners who believe that material appearing on the Internet infringes on their U.S. copyright rights. If you have a good faith belief that materials hosted by COMPANY infringe your copyright, you or your agent may send COMPANY a notice requesting the removal of the material or the blocking of access to it.

A notice from a copyright owner or an authorized representative that does not comply with the DMCA’s requirements will not be considered adequate notice and will not be taken as evidence that COMPANY possesses knowledge of infringing material or actions. If you have a good faith belief that a notice of copyright infringement has been unjustly filed against you, the DMCA enables you to send COMPANY a counter-notice. All notices and counter-notices must adhere to the prevailing statutory requirements set forth by the DMCA; consult https://www.copyright.gov/ for more information.

COMPANY’s Copyright Agent for receiving notices of copyright infringement or counter-notices can be reached at: [email protected]

This Agreement is binding upon and beneficial to COMPANY and our respective assigns, successors, heirs, and legal representatives. Neither this Agreement nor any rights herein may be transferred without prior written consent from COMPANY. Nevertheless, all rights and obligations under this Agreement may be freely assigned by COMPANY to any affiliated entity or wholly owned subsidiary.

These Terms of Use are governed by and interpreted in line with the laws of the State of the USA, NYC. Any dispute shall be subjected to binding arbitration in the USA, NY. If any provision of this agreement is found to be unlawful, void, or unenforceable for any reason, that provision shall be deemed separable from this agreement and will not affect the validity and enforceability of the remaining provisions.

Disclaimer

While it is highly unlikely, this policy may be modified at any time at our discretion. In case of updates to this policy, we will post them on this page of our Website. If you have any questions or concerns about our privacy policy, please address them to: [email protected]

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