Legal & Privacy
1. Acceptance of Agreement
By accessing the Site you indicate your acknowledgement and acceptance of these terms and conditions. The Site is designed for residents of the United States only and should not be considered a solicitation of products and services in any other jurisdiction. This Agreement may be amended at any time by FLP without specific notice to you. The latest Agreement will be posted on the Site, and you should review this Agreement prior to using the Site.
2. Laws & Regulations
Users access to and use of the Site are subject to all applicable federal, state and local law and regulations.
All information, content, organization, graphics, forms, photographs, design, compilation, magnetic translation, digital conversion and other matters related to the Site (collectively “Content”) is owned or controlled by FLP, and other parties. The Content is protected under applicable copyrights, trademarks and other proprietary (including but not limited to intellectual property) rights. The copying, modifying, redistribution, transmitting, publishing, selling, licensing, displaying, creating derivative works, or using any Content available on or through the Site for commercial or public purposes, use or publication by you of any such matters or any part of the Site, without prior written permission of FLP, is strictly prohibited. You do not acquire ownership rights to any content, document or other materials viewed through the Site. The posting of information or materials on the Site does not constitute a waiver of any right in such information and materials. Some of the content on the Site is the copyrighted work of third parties.
The trademarks, service marks, slogans, logos, trade dress and other identifiers (“Marks) displayed on the site are the property of FLP, and other parties. The marks are protected by U.S. trademark common law rights and statutes. Users of the Site are prohibited from using any Marks for any purpose including, but not limited to; use on other materials, in presentations, as domain names, without the written permission of FLP or such third party that may own the Marks. The following trademark may appear on the Site. Currency fluctuates. Value does not. ®
5. Limited License; Permitted Uses
No print out or electronic version of any part of the Site or its contents may be used by you in any litigation or arbitration matter whatsoever under any circumstances.
6. Hyper Linking
THIS SITE MAY PROVIDE A LINK TO OTHER SITES BY ALLOWING THE USER TO LEAVE THIS SITE TO ACCESS THIRD-PARTY MATERIAL OR BY BRINGING THE THIRD-PARTY MATERIAL INTO THIS SITE VIA “INVERSE” HYPER LINKS AND FRAMING TECHNOLOGY (A “LINKED SITE”). FLP HAS NO DISCRETION TO ALTER, UPDATE, OR CONTROL THE CONTENT ON A LINKED SITE. THE FACT THAT FLP HAS PROVIDED A LINK TO A SITE IS NOT AN ENDORSEMENT, AUTHORIZATION, SPONSORSHIP, OR AFFILIATION WITH RESPECT TO SUCH SITE, ITS OWNERS, OR IT’S PROVIDERS. THERE ARE INHERENT RISKS IN RELYING UPON USING, OR RETRIEVING ANY INFORMATION FOUND ON THE INTERNET, AND FLP URGES YOU TO MAKE SURE YOU UNDERSTAND THESE RISKS BEFORE RELYING UPON, USING, OR RETRIEVING ANY SUCH INFORMATION ON A LINKED SITE.
7. No Warranties
ALL CONTENT, PRODUCTS, AND SERVICES ON THE SITE, OR OBTAINED FROM A WEBSITE TO WHICH THE SITE IS LINKED (A “LINKED SITE”) ARE PROVIDED TO YOU “AS IS” WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY.
FINANCIAL LITERACY PRESS, LLC. DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR (A) THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT MADE THROUGH THE SITE BY ANY PARTY OTHER THAN FLP, (B) ANY CONTENT PROVIDED ON LINKED SITES OR (C) THE CAPABILITIES OR RELIABILITY OF ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED SITE.
OTHER THAN AS REQUIRED UNDER APPLICABLE CONSUMER PROTECTION LAW, UNDER NO CIRCUMSTANCE WILL FLP OR ITS DATA OR CONTENT PROVIDERS BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A USER’S RELIANCE ON INFORMATION OBTAINED THROUGH THE SITE OR A LINKED SITE, OR USER’S RELIANCE ON ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED SITE. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY OPINION, ADVICE OR OTHER CONTENT AVAILABLE THROUGH THE SITE, OR OBTAINED FROM A LINKED SITE. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC OPINION, ADVICE, PRODUCT, SERVICE, OR OTHER CONTENT.
8. Limitation of Liability for Use of the Site and Linked Sites
THE INFORMATION, SOFTWARE, PRODUCTS AND DESCRIPTIONS OF SERVICES PUBLISHED ON THE SITE OR A LINKED SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS, AND FLP AND ITS DATA AND CONTENT PROVIDERS SPECIFICALLY DISCLAIM ANY LIABILITY FOR SUCH INACCURACIES OR ERRORS. FLP AND ITS DATA AND CONTENT PROVIDERS DO NOT WARRANT OR REPRESENT THAT THE CONTENT ON THE SITE IS COMPLETE OR UP-TO-DATE. FLP IS UNDER NO OBLIGATION TO UPDATE ANY CONTENT ON THE SITE. FLP MAY CHANGE THE CONTENT ON THE SITE AT ANY TIME WITHOUT NOTICE. FLP MAY MAKE IMPROVEMENTS OR CHANGES TO THE SITE AT ANY TIME.
YOU AGREE THAT NEITHER FLP, NOR ITS DATA AND CONTENT PROVIDERS, ITS OR THEIR AFFILIATES OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS WILL BE LIABLE, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY INDIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR INDIRECT DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY) ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE SITE OR A LINKED SITE, OR WITH THE DELAY OR INABILITY TO USE THE SITE OR A LINKED SITE, EVEN IF FLP IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. FURTHERMORE, YOU AGREE THAT NEITHER FLP NOR ITS DATA OR CONTENT PROVIDERS, OR ITS OR THEIR AFFILIATES OR ANY OF ITS OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS WILL BE LIABLE UNDER ANY THEORY OF LIABILITY FOR THE TRANSMISSION OF ANY VIRUSES WHICH MAY INFECT A USER’S EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS (e.g., YOU CANNOT ACCESS YOUR INTERNET SERVICE PROVIDER), UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, STRIKES OR OTHER LABOR PROBLEMS OR ANY FORCE MEASURE. FLP CANNOT AND DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THE WEB SITE.
9. Confidentiality of User Communications
Except as required by law and accordance with Financial Literacy Press, LLC. Internet Privacy Statement. FLP will maintain the confidentiality of user communications which contain personal user information and which are transmitted directly to FLP. Investment companies (mutual funds) have their own privacy statements that contain separate requirements and limitations (provisions) from the provisions of Financial Literacy Press, LLC. privacy statement. Copies of mutual fund’s privacy statements can be obtained directly from the mutual fund’s sponsor or distributor.
10. Linked Internet Sites
FLP prohibits caching, unauthorized hypertext links to the Site and the framing of any Content available through the Site. FLP reserves the right to disable any unauthorized links or frames and specifically disclaims any responsibility for the Content available on any other Internet sites linked to the Site. Access to any other Internet sites linked to the Site is at the user’s own risk.
User should be aware that Linked Sites contain rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that differ from the provisions provided on the Site. FLP is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.
11. No Investment Advice or Offers
Nothing in the Site constitutes investment advice, including FLP filings with the Securities and Exchange Commission, or recommendation as to the suitability of any specific product or security. We do not warrant or guarantee the accurateness, completeness, adequacy or currency of the information contained in or linked to the Site. Your use of information on the Site or materials linked to the Site is entirely at your own risk.
11. Securities Laws
The Site may include statements concerning our operations, prospects, strategies, financial condition, future economic performance and demand for our products or services, as well as our intentions, plans and objectives (particularly with respect to product and service offerings), that are forward-looking statements which are subject to risks and uncertainties and speak only as of the date on which they are made. These statements are based upon a number of assumptions and estimates which are subject to significant uncertainties, many of which are beyond our control. When used on our Site, words like “anticipate,” “expect,” “believe,” “estimate,” “anticipate,” “seek,” “optimistic”, “intend,” “will” and similar expressions are intended to identify forward-looking statements designed to fall within securities law safe harbors for forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements. The Site and the information contained herein does not constitute an offer or a solicitation of an offer for sale of any securities. None of the information contained herein is intended to be, and shall not be deemed to be, incorporated into any of our securities-related filings or documents.
Certain sections of, or offerings from, the Site may require you to register. If registration is requested, you agree to provide us with accurate, complete registration information. Your registration must be done using your real name and accurate information. Each registration is for your personal use only and not on behalf of any other person or entity. We do not permit (a) any other person using the registered sections under your name; or (b) access through a single name being made available to multiple users on a network. You are responsible for preventing such unauthorized use.
13. Third-Party Services
We may allow access to or advertise certain third-party product or service providers (“Merchants”) from which you may purchase certain goods or services. You understand that we do not operate or control the products or services offered by Merchants. Merchants are responsible for all aspects of order processing, fulfillment, billing and customer service. We are not a party to the transactions entered into between you and Merchants. You agree that use of or purchase from such Merchants is AT YOUR SOLE RISK AND IS WITHOUT WARRANTIES OF ANY KIND BY US, EXPRESSED, IMPLIED OR OTHERWISE INCLUDING WARRANTIES OF TITLE, FITNESS FOR PURPOSE, MERCHANTABILITY OR NON-INFRINGEMENT. UNDER NO CIRCUMSTANCES ARE WE LIABLE FOR ANY DAMAGES ARISING FROM THE TRANSACTIONS BETWEEN YOU AND MERCHANTS OR FOR ANY INFORMATION APPEARING ON MERCHANT SITES OR ANY OTHER SITE LINKED TO OUR SITE.
14. Copyrights & Copyright Agents
FLP reserves the right to remove any Content on the Site which allegedly infringes another person’s copyright. Notices to FLP regarding any alleged copyright infringement on the Site should be directed an e-mail to Copyright Agent at [email protected]
15. Press Releases
All press releases and other materials presented or released are contained on the Site were, to the best of the knowledge of FLP, timely and accurate when issued. However, the passage of time can render information stale, and you should not rely on the continued accuracy of any such material beyond the date of issuance. FLP has no responsibility to update any information contained in any such material. All viewers should carefully check the dates of issuance of the material contained in the Site.
16. Changes to Rules & Regulations
Financial Literacy Press, LLC. reserves the right to revise these Rules & Regulations at any time and users are deemed to be apprised of and bound by any changes to these Rules & Regulations.
17. Violations of Rules and Regulations
You agree to comply with all applicable domestic and international laws, statutes, ordinances and regulations regarding your use of the Site and the Content and Materials provided therein. FLP reserves the right to seek all remedies available at law & in equity for violations of these Rules & Regulations, including the right to block access from a particular internet address to the site.
18. Access to Password Protected / Secure Areas
Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.
19. Jurisdiction/Governing Law
Users of this Site agree to submit to the laws of the State of Colorado, USA (without regard to conflicts of law principles). Our failure to enforce any provision of this Agreement shall not be deemed a waiver of such provision nor of the right to enforce such provision. Our rights under this Agreement shall survive any termination of this Agreement.
Any legal controversy or legal claim arising out of or relating to this Agreement or our services, excluding legal action taken by us to collect or recover damages for, or obtain any injunction relating to, Site operations, intellectual property, and our services, shall be settled solely by binding arbitration in accordance with the commercial arbitration rules of American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in Denver, Colorado, and judgment on the arbitration award may be entered into any court having jurisdiction thereof.