Effective Date: March 29th, 2013
Your Access and Use of the Site
The Site is Not Intended for Minors
The Site is not intended to be used by, and is not directed to, anyone under 18 years of age. By using this Site, you represent that you are at least 18 years of age.
Your Use of the Content
KYC grants you a limited license to access, print, download or otherwise make personal use of the Content for your non-commercial use; provided, however, that you shall not delete any proprietary notices or materials with regard to the foregoing manifestations of the Content and the Collective Work. You may not modify the Content or utilize it for any commercial purpose. You may not decompile, reverse engineer, or disassemble the Software.
Interference with the Site.
You may not use any robot, spider, scraper, deep link or other similar automated data gathering or extraction tools, program, algorithm or methodology to access, acquire, copy or monitor the Site or any portion of the Site or for any other purpose, without KYC’s express prior written permission which may be withheld in KYC’s sole discretion. Additionally, you agree that you will not: (i) take any action that imposes, or may impose in KYC’s sole discretion an unreasonable or disproportionately large load on KYC’s infrastructure; (ii) interfere or attempt to interfere with the proper working of the Site or any activities conducted on the Site; or (iii) bypass any measures KYC may use to prevent or restrict access to the Site. Notwithstanding the foregoing, KYC grants the operators of public search engines permission to copy materials from the Site for the sole purpose and solely to the extent necessary for creating publicly available searchable indices of the materials on the Site, but not caches or archives of such materials. KYC reserves the right to revoke these exceptions either generally or in specific cases. You shall not collect or harvest any personally identifiable information, including account names, from the Site. You shall not use any communication systems provided on the Site (such as Forums or email) for any commercial or solicitation purposes. You shall not solicit for commercial purposes any users of the Site without the express written permission of KYC, which permission may be withheld in KYC’s sole discretion.
When you visit the Site or send email to KYC, you are communicating with KYC electronically. You consent to receive communications from KYC electronically. You agree that all agreements, notices, disclosures and other communications that KYC provides to you electronically satisfy any legal requirement that such communications be in writing.
Third Party Links
There may be provided on the Site links to other web sites belonging to KYC’s advertisers, business partners, affiliates and other third parties. Such links do not constitute an endorsement by KYC of those web sites, nor the products or services listed on those web sites. KYC is not responsible for the activities or policies of those web sites. KYC does not endorse or recommend the products of any particular advertiser, business partner, affiliate or other third party. KYC does not guarantee that the loan terms or rates offered by any particular advertiser, business partner, affiliate or other third party on the Site are the best terms or lowest rates available in the market.
KYC respects the intellectual property of others, and we ask our users to do the same. Thus, in your use of and interactions with KYC and the Website, you may not post, modify, distribute, or reproduce in any way any User Generated Content that is copyrighted material belonging to others, without obtaining their prior written consent. KYC reserves the right, in its discretion, to remove any User Generated Content if we believe it may infringe the copyright rights of others, and/or to terminate the accounts of users who we believe to be infringers. If you believe that your work has been copied and posted on the Site in a way that constitutes copyright infringement, we will respond to notices of alleged infringement that comply with the Digital Millennium Copyright Act of 1998 (the “DMCA”) in accordance with our Infringement Policy.
No Representations or Warranties Regarding Content; Disclaimers
THE CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS. KYC MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SITE OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON OR ASSOCIATED WITH THE SITE.
KYC DOES NOT MAKE ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, CORRECTNESS, OR COMPLETENESS OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE, NOR THE RELIABILITY, TIMELINESS, COMPLETENESS, MERCHANTABILITY, CONFORMITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE. IT IS YOUR SOLE RESPONSIBILITY TO INDEPENDENTLY EVALUATE THE ACCURACY, CORRECTNESS OR COMPLETENESS OF THE CONTENT AND THE SERVICES AND PRODUCTS ASSOCIATED WITH THE SITE. KYC MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE FOR DOWNLOADING FROM THE SITE IS FREE OF INFECTION FROM ANY VIRUSES, WORMS, TROJAN HORSES, TRAP DOORS, BACK DOORS, EASTER EGGS, TIME BOMBS, CANCELBOTS OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, DETRIMENTALLY INTERFERE WITH, SURREPTITIOUSLY INTERCEPT OR EXPROPRIATE ANY SYSTEM, DATA OR PERSONAL INFORMATION.
The Content is intended only to assist you with financial decisions and is broad in scope and does not consider your personal financial situation. Your personal financial situation is unique and the information and advice may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, KYC recommends that you obtain additional information and advice of your accountant and other financial advisors who are fully aware of your individual circumstances. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITE AND ALL PRODUCTS AND SERVICES INCLUDED ON OR ASSOCIATED WITH THE SITE IS AT YOUR SOLE RISK. The Site is controlled and offered by us from our facilities in the United States of America. KYC makes no representations that the Site is appropriate or available for use in other jurisdictions. If you access or use the Site from other jurisdictions, then you do so by your own volition and are solely responsible for compliance with local law.
Limitations on KYC’s Liability
YOU AND WE AGREE THAT ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO THE SITE MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED. Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions or limitations may not apply to you.
IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE SECTION 1542, WHICH SAYS: “A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH, IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.”
Your Indemnification of KYC
Governing Law and Venue
KnowYour Corp., One Boston Place, Suite 2600, Boston, MA, 02108