{"id":4666,"date":"2021-12-07T00:01:30","date_gmt":"2021-12-07T00:01:30","guid":{"rendered":"https:\/\/mdfinancialskills.org\/?page_id=4666"},"modified":"2023-03-17T18:46:27","modified_gmt":"2023-03-17T18:46:27","slug":"terms-of-service","status":"publish","type":"page","link":"https:\/\/mdfinancialskills.org\/terms-of-service\/","title":{"rendered":"Terms of Service"},"content":{"rendered":"\n<style>\n  [data-custom-class='body'], [data-custom-class='body'] * {\n          background: transparent !important;\n        }\n[data-custom-class='title'], [data-custom-class='title'] * {\n          font-family: Arial !important;\nfont-size: 26px !important;\ncolor: #000000 !important;\n        }\n[data-custom-class='subtitle'], [data-custom-class='subtitle'] * {\n          font-family: Arial !important;\ncolor: #595959 !important;\nfont-size: 14px !important;\n        }\n[data-custom-class='heading_1'], [data-custom-class='heading_1'] * {\n          font-family: Arial !important;\nfont-size: 19px !important;\ncolor: #000000 !important;\n        }\n[data-custom-class='heading_2'], [data-custom-class='heading_2'] * {\n          font-family: Arial !important;\nfont-size: 17px !important;\ncolor: #000000 !important;\n        }\n[data-custom-class='body_text'], [data-custom-class='body_text'] * {\n          color: #595959 !important;\nfont-size: 14px !important;\nfont-family: Arial !important;\n        }\n[data-custom-class='link'], [data-custom-class='link'] * {\n          color: #3030F1 !important;\nfont-size: 14px !important;\nfont-family: Arial !important;\nword-break: break-word !important;\n        }\n<\/style>\n      <div data-custom-class=\"body\">\n      <div align=\"center\" style=\"text-align: left; line-height: 1;\"><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 150%;\"><div align=\"center\" class=\"MsoNormal\" style=\"text-align:center;line-height:150%;\"><a name=\"_2cipo4yr3w5d\"><\/a><div align=\"center\" class=\"MsoNormal\" style=\"line-height: 22.5px;\"><div align=\"center\" class=\"MsoNormal\" style=\"line-height: 150%;\"><a name=\"_gm5sejt4p02f\"><\/a><div align=\"center\" class=\"MsoNormal\" data-custom-class=\"title\" style=\"text-align: left; line-height: 1.5;\"><strong><span style=\"line-height: 22.5px; font-size: 26px;\"><bdt class=\"block-component\"><\/bdt><bdt class=\"question\">TERMS OF SERVICE<\/bdt><bdt class=\"statement-end-if-in-editor\"><\/bdt><\/span><\/strong><\/div><div align=\"center\" class=\"MsoNormal\" style=\"line-height: 22.5px; text-align: left;\"><a name=\"_7m5b3xg56u7y\"><\/a><\/div><div align=\"center\" class=\"MsoNormal\" data-custom-class=\"subtitle\" style=\"text-align: left; line-height: 22.5px;\"><br><\/div><div align=\"center\" class=\"MsoNormal\" data-custom-class=\"subtitle\" style=\"text-align: left; line-height: 1.5;\"><span style=\"color: rgb(89, 89, 89); font-size: 14.6667px; text-align: justify;\"><strong>Last updated <bdt class=\"block-container question question-in-editor\" data-id=\"e2088df5-25ea-aec9-83d4-6284f5a7e043\" data-type=\"question\">August 01, 2021<\/bdt><\/strong><\/span><\/div><\/div><\/div><div align=\"center\" class=\"MsoNormal\" style=\"line-height: 17.25px; text-align: left;\"><br><\/div><div align=\"center\" class=\"MsoNormal\" style=\"line-height: 17.25px; text-align: left;\"><br><\/div><div align=\"center\" class=\"MsoNormal\" style=\"line-height: 17.25px; text-align: left;\"><br><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"color: rgb(127, 127, 127);\"><span style=\"color: rgb(0, 0, 0);\"><strong><span data-custom-class=\"heading_1\">TABLE OF CONTENTS<\/span><\/strong><\/span><\/span><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><br><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#agreement\"><span style=\"color: rgb(89, 89, 89);\">1. AGREEMENT TO TERMS<\/span><\/a><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#ip\"><span style=\"color: rgb(89, 89, 89);\">2. INTELLECTUAL PROPERTY RIGHTS<\/span><\/a><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"color: rgb(89, 89, 89);\"><a data-custom-class=\"link\" href=\"#userreps\">3. USER REPRESENTATIONS<\/a><\/span><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#userreg\"><span style=\"color: rgb(89, 89, 89);\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"user_account_option\" data-type=\"statement\"><span style=\"font-size: 15px;\"><\/span><\/bdt><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#prohibited\"><span style=\"color: rgb(89, 89, 89);\">4. PROHIBITED ACTIVITIES<\/span><\/a><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#ugc\"><span style=\"color: rgb(89, 89, 89);\">5. USER GENERATED CONTRIBUTIONS<\/span><\/a><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"color: rgb(89, 89, 89);\"><a data-custom-class=\"link\" href=\"#license\">6. CONTRIBUTION LICENSE<\/a><\/span><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#reviews\"><span style=\"color: rgb(89, 89, 89);\"><bdt class=\"block-container if\" data-type=\"if\" id=\"a378120a-96b1-6fa3-279f-63d5b96341d3\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"review_option\" data-type=\"statement\"><span style=\"font-size: 15px;\"><\/span><\/bdt><\/span><\/a><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#mobile\"><span style=\"color: rgb(89, 89, 89);\"><bdt class=\"block-container if\" data-type=\"if\" id=\"c954892f-02b9-c743-d1e8-faf0d59a4b70\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"mobile_app_option\" data-type=\"statement\"><span style=\"font-size: 15px;\"><\/span><\/bdt><\/span><\/a><\/span><\/div><div align=\"center\" style=\"text-align: left;\"><span style=\"font-size: 15px;\"><bdt class=\"block-component\"><\/span><\/bdt><\/span><\/a><\/span><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"color: rgb(89, 89, 89);\"><a data-custom-class=\"link\" href=\"#submissions\">7. SUBMISSIONS<\/a><\/span><\/span><\/div><div align=\"center\" style=\"text-align: left;\"><span style=\"font-size: 15px;\"><bdt class=\"block-component\"><\/bdt><a data-custom-class=\"link\" href=\"#thirdparty\"><span style=\"color: rgb(89, 89, 89);\">8. THIRD-PARTY WEBSITE AND CONTENT<\/span><\/a><a data-custom-class=\"link\" href=\"#agreement\"><span style=\"color: rgb(89, 89, 89);\"><bdt class=\"statement-end-if-in-editor\" data-type=\"close\"><span style=\"font-size: 15px;\"><\/span><\/bdt><\/span><\/a><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#advertisers\"><span style=\"color: rgb(89, 89, 89);\"><bdt class=\"block-container if\" data-type=\"if\" id=\"14038561-dad7-be9d-370f-f8aa487b2570\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"advertiser_option\" data-type=\"statement\"><span style=\"font-size: 15px;\"><\/span><\/bdt><\/bdt><\/bdt>9. ADVERTISERS<\/span><\/a><a data-custom-class=\"link\" href=\"#agreement\"><span style=\"color: rgb(89, 89, 89);\"><bdt class=\"statement-end-if-in-editor\" data-type=\"close\"><span style=\"font-size: 15px;\"><\/span><\/bdt><\/span><\/a><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"color: rgb(89, 89, 89);\"><a data-custom-class=\"link\" href=\"#sitemanage\">10. SITE MANAGEMENT<\/a><\/span><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#privacypolicy1\"><span style=\"color: rgb(89, 89, 89);\"><bdt class=\"block-container if\" data-type=\"if\" id=\"bdd90fa9-e664-7d0b-c352-2b8e77dd3bb4\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"privacy_policy_option\" data-type=\"statement\"><span style=\"font-size: 15px;\"><\/span><\/bdt><\/bdt><\/bdt>11. PRIVACY POLICY<\/span><\/a><a data-custom-class=\"link\" href=\"#advertisers\"><\/a><a data-custom-class=\"link\" href=\"#agreement\"><span style=\"color: rgb(89, 89, 89);\"><bdt class=\"statement-end-if-in-editor\" data-type=\"close\"><span style=\"font-size: 15px;\"><bdt class=\"block-container if\" data-type=\"if\" id=\"87a7471d-cf82-1032-fdf8-601d37d7b017\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"privacy_policy_followup\" data-type=\"statement\" style=\"font-size: 14.6667px;\"><span style=\"font-size: 15px;\"><\/span><\/bdt><\/span><\/a><a data-custom-class=\"link\" href=\"#privacypolicy\"><\/a><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#dmca\"><span style=\"color: rgb(89, 89, 89);\"><bdt class=\"block-component\"><bdt class=\"block-component\"><\/bdt><bdt class=\"block-container if\" data-type=\"if\"><bdt class=\"statement-end-if-in-editor\" data-type=\"close\"><span style=\"font-size: 15px;\"><\/span><\/bdt><\/bdt><\/span><\/bdt><\/bdt><\/span><\/a><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#copyright1\"><span style=\"color: rgb(89, 89, 89);\"><bdt class=\"block-component\"><bdt class=\"block-component\"><\/bdt><\/bdt>12. COPYRIGHT INFRINGEMENTS<\/span><\/a><\/span><bdt class=\"block-container if\" data-type=\"if\"><bdt class=\"statement-end-if-in-editor\" data-type=\"close\"><span style=\"font-size: 15px;\"><bdt class=\"block-component\"><\/bdt><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#terms\"><\/a><a data-custom-class=\"link\" href=\"#terms\"><span style=\"color: rgb(89, 89, 89);\">13. TERM AND TERMINATION<\/span><\/a><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#modifications\"><span style=\"color: rgb(89, 89, 89);\">14. MODIFICATIONS AND INTERRUPTIONS<\/span><\/a><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#law\"><span style=\"color: rgb(89, 89, 89);\">15. GOVERNING LAW<\/span><\/a><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#disputes\"><span style=\"color: rgb(89, 89, 89);\">16. DISPUTE RESOLUTION<\/span><\/a><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"color: rgb(89, 89, 89);\"><a data-custom-class=\"link\" href=\"#corrections\">17. CORRECTIONS<\/a><\/span><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#disclaimer\"><span style=\"color: rgb(89, 89, 89);\">18. DISCLAIMER<\/span><\/a><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#liability\"><span style=\"color: rgb(89, 89, 89);\">19. LIMITATIONS OF LIABILITY<\/span><\/a><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"color: rgb(89, 89, 89);\"><a data-custom-class=\"link\" href=\"#indemnification\">20. INDEMNIFICATION<\/a><\/span><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#userdata\"><span style=\"color: rgb(89, 89, 89);\">21. USER DATA<\/span><\/a><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#electronic\"><span style=\"color: rgb(89, 89, 89);\">22. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES<\/span><\/a><\/span><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\"><bdt class=\"block-component\"><\/bdt><\/span><span style=\"font-size: 15px;\"><span style=\"color: rgb(89, 89, 89);\"><a data-custom-class=\"link\" href=\"#california\">23. CALIFORNIA USERS AND RESIDENTS<\/a><a data-custom-class=\"link\" href=\"#agreement\"><span style=\"color: rgb(89, 89, 89);\"><bdt class=\"statement-end-if-in-editor\" data-type=\"close\"><span style=\"font-size: 15px;\"><\/span><\/bdt><\/span><\/a><\/span><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><a data-custom-class=\"link\" href=\"#misc\"><span style=\"color: rgb(89, 89, 89);\">24. MISCELLANEOUS<\/span><\/a><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"color: rgb(89, 89, 89);\"><a data-custom-class=\"link\" href=\"#contact\">25. CONTACT US<\/a><\/span><\/span><\/div><div style=\"line-height: 1.5; text-align: left;\"><br><\/div><div style=\"line-height: 1.5; text-align: left;\"><br><\/div><\/div><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"agreement\" style=\"line-height: 115%;\"><a name=\"_a7mwfgcrtsqn\"><\/a><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">1. AGREEMENT TO TERMS<\/span><\/strong><\/div><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 150%;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;\nArial;mso-fareast-font-family:Calibri;color:#595959;mso-themecolor:text1;\nmso-themetint:166;\">These Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity (\u201cyou\u201d) and <bdt class=\"block-container question question-in-editor\" data-id=\"4ab94aa9-19d1-61e0-711e-42c7d186232b\" data-type=\"question\">MD Financial Skills<\/bdt><bdt class=\"block-component\"><\/bdt> (&#8220;<bdt class=\"block-component\"><\/bdt><strong>Company<\/strong><bdt class=\"statement-end-if-in-editor\"><\/bdt>,&#8221; \u201c<strong>we<\/strong>,&#8221; \u201c<strong>us<\/strong>,&#8221; or \u201c<strong>our<\/strong>\u201d), concerning your access to and use of the <bdt class=\"block-container question question-in-editor\" data-id=\"92c3b320-1d8b-c74c-db68-d12810736807\" data-type=\"question\"><a href=\"https:\/\/mdfinancialskills.org\" target=\"_blank\" data-custom-class=\"link\" rel=\"noopener\">https:\/\/mdfinancialskills.org<\/a><\/bdt> website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the \u201cSite\u201d).<span style=\"font-size:11.0pt;line-height:115%;\nArial;mso-fareast-font-family:Calibri;color:#595959;mso-themecolor:text1;\nmso-themetint:166;\"><span style=\"font-size:11.0pt;line-height:115%;\nArial;mso-fareast-font-family:Calibri;color:#595959;mso-themecolor:text1;\nmso-themetint:166;\"><bdt class=\"question\"><bdt class=\"block-component\"><\/bdt><\/bdt><span style=\"font-size:11.0pt;line-height:115%;\nArial;mso-fareast-font-family:Calibri;color:#595959;mso-themecolor:text1;\nmso-themetint:166;\"><bdt class=\"block-component\"><\/bdt><\/span> We are registered in<bdt class=\"block-component\"><\/bdt><bdt class=\"block-component\"><\/bdt><bdt class=\"block-component\"><\/bdt> <span style=\"font-size:11.0pt;line-height:115%;\nArial;mso-fareast-font-family:Calibri;color:#595959;mso-themecolor:text1;\nmso-themetint:166;\"><span style=\"font-size:11.0pt;line-height:115%;\nArial;mso-fareast-font-family:Calibri;color:#595959;mso-themecolor:text1;\nmso-themetint:166;\"><bdt class=\"question\">Maryland<\/bdt>, <bdt class=\"question\">United States<\/bdt><\/span><\/span><bdt class=\"statement-end-if-in-editor\"><\/bdt><bdt class=\"block-component\"><\/bdt><\/span><\/span><\/bdt><\/span><\/span> and have our registered office at <\/span><\/span><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\"><span style=\"font-size: 15px;\"><span data-custom-class=\"body_text\"><span style=\"color: rgb(89, 89, 89);\"><bdt class=\"block-component\"><\/bdt><bdt class=\"block-component\"><\/bdt>, <bdt class=\"question\">MD<\/bdt><bdt class=\"statement-end-if-in-editor\"><\/bdt><bdt class=\"block-component\"><\/bdt><bdt class=\"block-component\"><\/bdt><bdt class=\"question\">20906<\/bdt><bdt class=\"statement-end-if-in-editor\"><\/bdt><\/span><\/span><\/span><\/span><\/span><span style=\"font-size:11.0pt;line-height:115%;\nArial;mso-fareast-font-family:Calibri;color:#595959;mso-themecolor:text1;\nmso-themetint:166;\"><span style=\"font-size:11.0pt;line-height:115%;\nArial;mso-fareast-font-family:Calibri;color:#595959;mso-themecolor:text1;\nmso-themetint:166;\"><bdt class=\"statement-end-if-in-editor\">.<\/bdt><bdt class=\"else-block\"><\/bdt><\/bdt><\/span><\/bdt><\/span><bdt class=\"statement-end-if-in-editor\"><\/bdt><\/span><bdt class=\"block-component\"><\/bdt><\/span><\/span><\/span><\/span> You agree that by accessing the Site, you have read, understood, and agreed to be bound by all of these Terms of Use. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS OF USE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY.<\/span><\/div><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 150%;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;\nArial;mso-fareast-font-family:Calibri;color:#595959;mso-themecolor:text1;\nmso-themetint:166;\">Supplemental terms and conditions or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms of Use <bdt class=\"block-component\"><\/bdt>at any time and for any reason<bdt class=\"statement-end-if-in-editor\"><\/bdt>. We will alert you about any changes by updating the \u201cLast updated\u201d date of these Terms of Use, and you waive any right to receive specific notice of each such change. Please ensure that you check the applicable Terms every time you use our Site so that you understand which Terms apply. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms of Use by your continued use of the Site after the date such revised Terms of Use are posted.<\/span><\/div><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 150%;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;\nArial;mso-fareast-font-family:Calibri;color:#595959;mso-themecolor:text1;\nmso-themetint:166;\">The information provided on the Site is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Site from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.<\/span><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;\nArial;mso-fareast-font-family:Calibri;color:#595959;mso-themecolor:text1;\nmso-themetint:166;\"><span style=\"font-size:11.0pt;line-height:115%;\nArial;mso-fareast-font-family:Calibri;color:#595959;mso-themecolor:text1;\nmso-themetint:166;\"><bdt class=\"block-component\"><\/bdt><bdt class=\"block-component\"><\/bdt><\/span><\/span><\/div><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 150%;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;\nArial;mso-fareast-font-family:Calibri;color:#595959;mso-themecolor:text1;\nmso-themetint:166;\">The Site is not tailored to comply with industry-specific regulations (Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), etc.), so if your interactions would be subjected to such laws, you may not use this Site. You may not use the Site in a way that would violate the Gramm-Leach-Bliley Act (GLBA).<bdt class=\"block-component\"><span style=\"font-size:11.0pt;line-height:115%;\nArial;mso-fareast-font-family:Calibri;color:#595959;mso-themecolor:text1;\nmso-themetint:166;\"><bdt class=\"statement-end-if-in-editor\"><\/bdt><\/span><\/bdt><\/span><\/span><\/div><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 150%;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"user_o18_option\" data-type=\"statement\"><span style=\"font-size: 15px;\"><\/span><\/bdt><span style=\"font-size: 15px;\"><bdt data-type=\"body\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\">The Site is intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Site.<\/span><\/bdt><\/span>\u00a0<\/bdt><span style=\"font-size: 15px;\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"user_o18_option\" data-type=\"statement\"><\/span><\/bdt><\/div><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 1.5;\"><br><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 150%;\"><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"ip\" style=\"line-height: 1.5;\"><a name=\"_4rd71iod99ud\"><\/a><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">2.\u00a0<\/span><\/strong>INTELLECTUAL PROPERTY RIGHTS<\/span><\/strong><\/div><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 150%;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;\nArial;mso-fareast-font-family:Calibri;color:#595959;mso-themecolor:text1;\nmso-themetint:166;\">Unless otherwise indicated, the Site is our proprietary\nproperty and all source code, databases, functionality, software, website\ndesigns, audio, video, text, photographs, and graphics on the Site\n(collectively, the \u201cContent\u201d) and the trademarks, service marks, and logos\ncontained therein (the \u201cMarks\u201d) are owned or controlled by us or licensed to\nus, and are protected by copyright and trademark laws and various other\nintellectual property rights and unfair competition laws of the United States, international copyright laws, and international conventions. The Content and the Marks are provided on the\nSite \u201cAS IS\u201d for your information and personal use only. Except as expressly provided in these Terms\nof Use, no part of the Site and no Content or Marks may be copied, reproduced,\naggregated, republished, uploaded, posted, publicly displayed, encoded,\ntranslated, transmitted, distributed, sold, licensed, or otherwise exploited\nfor any commercial purpose whatsoever, without our express prior written\npermission.<\/span><\/div><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 150%;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;\nArial;mso-fareast-font-family:Calibri;color:#595959;mso-themecolor:text1;\nmso-themetint:166;\">Provided that you are eligible to use the Site, you are\ngranted a limited license to access and use the Site and to download or print a\ncopy of any portion of the Content to which you have properly gained access\nsolely for your personal, non-commercial use. We reserve all rights not\nexpressly granted to you in and to the Site, the Content and the Marks.<\/span><\/div><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 1.5;\"><br><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 150%;\"><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"userreps\" style=\"line-height: 1.5;\"><a name=\"_vhkegautf00d\"><\/a><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">3.<\/span><\/strong><\/span>\u00a0<\/strong>USER REPRESENTATIONS<\/span><\/strong><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><br><\/div><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 150%;\"><div class=\"MsoNormal\" style=\"text-align:justify;text-justify:inter-ideograph;\nline-height:115%;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\">By using the Site, you represent and warrant that: <\/span><bdt class=\"block-container if\" data-type=\"if\" id=\"d2d82ca8-275f-3f86-8149-8a5ef8054af6\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"user_account_option\" data-type=\"statement\"><\/bdt>\u00a0<\/bdt><span style=\"color: rgb(89, 89, 89); font-size: 11pt;\">(<\/span><span style=\"color: rgb(89, 89, 89); font-size: 14.6667px;\">1<\/span><span style=\"color: rgb(89, 89, 89); font-size: 11pt;\">) you have the legal capacity and you agree to comply with these Terms of Use;<\/span><bdt class=\"block-container if\" data-type=\"if\" id=\"8d4c883b-bc2c-f0b4-da3e-6d0ee51aca13\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"user_u13_option\" data-type=\"statement\"><\/bdt><\/bdt><\/span><\/bdt><\/bdt><\/bdt><span style=\"color: rgb(89, 89, 89); font-size: 11pt;\">\u00a0(<\/span><span style=\"color: rgb(89, 89, 89); font-size: 14.6667px;\">2<\/span><span style=\"color: rgb(89, 89, 89); font-size: 11pt;\">) you are not a minor in the jurisdiction in which you reside<bdt class=\"block-container if\" data-type=\"if\" id=\"76948fab-ec9e-266a-bb91-948929c050c9\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"user_o18_option\" data-type=\"statement\"><\/bdt><\/bdt>; (<\/span><span style=\"color: rgb(89, 89, 89); font-size: 14.6667px;\">3<\/span><span style=\"color: rgb(89, 89, 89); font-size: 11pt;\">) you will not access the Site through automated or non-human means, whether through a bot, script, or otherwise; (<\/span><span style=\"color: rgb(89, 89, 89); font-size: 14.6667px;\">4<\/span><span style=\"color: rgb(89, 89, 89); font-size: 11pt;\">) you will not use the Site for any illegal or unauthorized purpose; and (<\/span><span style=\"color: rgb(89, 89, 89); font-size: 14.6667px;\">5<\/span><span style=\"color: rgb(89, 89, 89); font-size: 11pt;\">) your use of the Site will not violate any applicable law or regulation.<\/span><span style=\"color: rgb(89, 89, 89); font-size: 14.6667px;\"><\/span><\/div><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><br><\/div><div class=\"MsoNormal\" style=\"text-align:justify;text-justify:inter-ideograph;\nline-height:115%;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\">If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Site (or any portion thereof).<\/span><\/div><\/div><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 1.5;\"><br><\/div><div align=\"center\" class=\"MsoNormal\" style=\"text-align: left; line-height: 150%;\"><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><a name=\"_esuoutkhaf53\"><\/a> <bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"user_account_option\" data-type=\"statement\"><span style=\"font-size: 15px;\"><\/span><\/bdt><\/div><div class=\"MsoNormal\" style=\"line-height:115%;\"><a name=\"_1voziltdxegg\"><\/a><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"prohibited\" style=\"line-height: 17.25px;\"><strong><span style=\"line-height: 24.5333px; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">4.<\/span><\/strong><\/span>\u00a0<\/strong>PROHIBITED ACTIVITIES<\/span><\/strong><\/div><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height:115%;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\">You may not access or use the Site for any purpose other than that for which we make the Site available. The Site may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.<\/span><\/div><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height:115%;\"><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 17.25px;\"><div class=\"MsoNormal\" style=\"line-height: 17.25px;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\">As a user of the Site, you agree not to:<\/span><\/div><\/div><ul><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-size: 15px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Systematically retrieve data or other content from the Site to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us.<\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Circumvent, disable, or otherwise interfere with security-related features of the Site, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Site and\/or the Content contained therein.<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Disparage, tarnish, or otherwise harm, in our opinion, us and\/or the Site.<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Use any information obtained from the Site in order to harass, abuse, or harm another person.<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Make improper use of our support services or submit false reports of abuse or misconduct.<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Use the Site in a manner inconsistent with any applicable laws or regulations.<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Engage in unauthorized framing of or linking to the Site.<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party\u2019s uninterrupted use and enjoyment of the Site or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Site.<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Delete the copyright or other proprietary rights notice from any Content.<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Attempt to impersonate another user or person or use the username of another user.<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (\u201cgifs\u201d), 1\u00d71 pixels, web bugs, cookies, or other similar devices (sometimes referred to as \u201cspyware\u201d or \u201cpassive collection mechanisms\u201d or \u201cpcms\u201d).<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Interfere with, disrupt, or create an undue burden on the Site or the networks or services connected to the Site.<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Site to you.<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Attempt to bypass any measures of the Site designed to prevent or restrict access to the Site, or any portion of the Site.<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Copy or adapt the Site\u2019s software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Site.<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Site, or using or launching any unauthorized script or other software.<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Use a buying agent or purchasing agent to make purchases on the Site.<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Make any unauthorized use of the Site, including collecting usernames and\/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.<\/span><\/span><\/span><\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 15px;\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\"><span style=\"line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-family: sans-serif; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: -29.4px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; background-color: rgb(255, 255, 255); text-decoration-style: initial; text-decoration-color: initial; color: rgb(89, 89, 89);\">Use the Site as part of any effort to compete with us or otherwise use the Site and\/or the Content for any revenue-generating endeavor or commercial enterprise.<\/span><\/span><\/span><\/span><bdt class=\"block-component\"><\/bdt><bdt class=\"block-component\"><\/bdt><bdt class=\"forloop-component\"><\/bdt><\/span><\/li><\/ul><div class=\"MsoNormal\" style=\"text-align: left; line-height: 1.5;\"><a name=\"_zbbv9tgty199\"><\/a><\/div><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"ugc\" style=\"line-height: 17.25px; text-align: left;\"><strong><span style=\"line-height: 24.5333px; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">5.<\/span><\/strong><\/span>\u00a0<\/strong>USER GENERATED CONTRIBUTIONS<\/span><\/strong><\/div><\/bdt><\/bdt><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><br><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><bdt class=\"block-component\"><\/bdt>The Site may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality, and may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Site, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, &#8220;Contributions&#8221;). Contributions may be viewable by other users of the Site and through third-party websites. As such, any Contributions you transmit may be treated as non-confidential and non-proprietary. When you create or make available any Contributions, you thereby represent and warrant that:<bdt class=\"else-block\"><\/bdt><\/span><\/span><\/div><\/bdt><\/bdt><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><ul><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 14px; color: rgb(89, 89, 89);\">The creation, <span style=\"font-size: 14px; color: rgb(89, 89, 89);\">distribution, transmission, public display, or performance, and the accessing, downloading, or copying of your Contributions do not and will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark, trade secret, or moral rights of any third party.<\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 14px; color: rgb(89, 89, 89);\"><span style=\"font-size: 14px; color: rgb(89, 89, 89);\">You are the creator and owner of or have the necessary licenses, rights, consents, releases, and permissions to use and to authorize us, the Site, and other users of the Site to use your Contributions in any manner contemplated by the Site and these Terms of Use.<\/span><\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 14px; color: rgb(89, 89, 89);\">You have the written consent, release, and\/or permission of each and every identifiable individual person in your Contributions to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of your Contributions in any manner contemplated by the Site and these Terms of Use.<\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 14px; color: rgb(89, 89, 89);\">Your Contributions are not false, inaccurate, or misleading.<\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 14px; color: rgb(89, 89, 89);\">Your Contributions are not unsolicited or unauthorized advertising, promotional materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of solicitation.<\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 14px; color: rgb(89, 89, 89);\">Your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing, libelous, slanderous, or otherwise objectionable (as determined by us).<\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 14px; color: rgb(89, 89, 89);\">Your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone.<\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 14px; color: rgb(89, 89, 89);\">Your Contributions are not used to harass or threaten (in the legal sense of those terms) any other person and to promote violence against a specific person or class of people.<\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 14px; color: rgb(89, 89, 89);\">Your Contributions do not violate any applicable law, regulation, or rule.<\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 14px; color: rgb(89, 89, 89);\">Your Contributions do not violate the privacy or publicity rights of any third party.<\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 14px; color: rgb(89, 89, 89);\">Your Contributions do not violate any applicable law concerning child pornography, or otherwise intended to protect the health or well-being of minors.<\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 14px; color: rgb(89, 89, 89);\">Your Contributions do not include any offensive comments that are connected to race, national origin, gender, sexual preference, or physical handicap.<\/span><\/li><li class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 14px; color: rgb(89, 89, 89);\">Your Contributions do not otherwise violate, or link to material that violates, any provision of these Terms of Use, or any applicable law or regulation.<\/span><\/li><\/ul><\/bdt><\/bdt><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\">Any use of the Site in violation of the foregoing violates these Terms of Use and may result in, among other things, termination or suspension of your rights to use the Site.<\/span><\/div><\/bdt><\/bdt><\/div><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height:115%;\"><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"license\" style=\"line-height: 1.5; text-align: left;\"><strong><span style=\"line-height: 24.5333px; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">6.<\/span><\/strong><\/span>\u00a0<\/strong>CONTRIBUTION LICENSE<\/span><\/strong><\/div><\/bdt><\/bdt><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" style=\"line-height: 17.25px; text-align: left;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><bdt class=\"block-component\"><\/bdt><\/span><\/div><\/bdt><\/bdt><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><br><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\">By posting your Contributions to any part of the Site<bdt class=\"block-container if\" data-type=\"if\" id=\"19652acc-9a2a-5ffe-6189-9474402fa6cc\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"socialnetwork_link_option\" data-type=\"statement\"><\/bdt><\/bdt>, you automatically grant, and you represent and warrant that you have the right to grant, to us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right, and license to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle, archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt (in whole or in part), and distribute such Contributions (including, without limitation, your image and voice) for any purpose, commercial, advertising, or otherwise, and to prepare derivative works of, or incorporate into other works, such Contributions, and grant and authorize sublicenses of the foregoing. The use and distribution may occur in any media formats and through any media channels.<\/span><\/div><\/bdt><\/bdt><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><br><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\">This license will apply to any form, media, or technology now known or hereafter developed, and includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide. You waive all moral rights in your Contributions, and you warrant that moral rights have not otherwise been asserted in your Contributions.<\/span><\/div><\/bdt><\/bdt><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><br><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\">We do not assert any ownership over your Contributions. You retain full ownership of all of your Contributions and any intellectual property rights or other proprietary rights associated with your Contributions. We are not liable for any statements or representations in your Contributions provided by you in any area on the Site. You are solely responsible for your Contributions to the Site and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.<\/span><\/div><\/bdt><\/bdt><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><br><\/div><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5; text-align: left;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\">We have the right, in our sole and absolute discretion, (1) to edit, redact, or otherwise change any Contributions; (2) to re-categorize any Contributions to place them in more appropriate locations on the Site; and (3) to pre-screen or delete any Contributions at any time and for any reason, without notice. We have no obligation to monitor your Contributions.<bdt class=\"else-block\"><\/span><\/bdt><\/bdt><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><bdt class=\"block-container if\" data-type=\"if\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"review_option\" data-type=\"statement\"><span style=\"font-size: 15px;\"><\/span><\/bdt><\/bdt><\/div><\/div><div class=\"MsoNormal\" style=\"line-height: 115%;\"><span style=\"font-size: 15px;\"><a name=\"_6nl7u6ag6use\"><\/a><\/span><\/div><bdt class=\"block-container if\" data-type=\"if\" id=\"c954892f-02b9-c743-d1e8-faf0d59a4b70\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"mobile_app_option\" data-type=\"statement\"><span style=\"font-size: 15px;\"><\/span><\/bdt><\/bdt><\/div><div align=\"center\"><span style=\"font-size: 15px;\"><bdt class=\"block-component\"><\/bdt><\/span><\/div><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"submissions\" style=\"line-height: 115%;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">7.<\/span><\/strong><\/span>\u00a0<\/strong>SUBMISSIONS<\/span><\/strong><\/div><div style=\"line-height: 1;\"><br><\/div><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\">You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information regarding the Site (&#8220;Submissions&#8221;) provided by you to us are non-confidential and shall become our sole property. We shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these Submissions for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you. You hereby waive all moral rights to any such Submissions, and you hereby warrant that any such Submissions are original with you or that you have the right to submit such Submissions. You agree there shall be no recourse against us for any alleged or actual infringement or misappropriation of any proprietary right in your Submissions.<\/span><\/span><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div style=\"line-height: 1.5;\"><br><\/div><div align=\"center\"><span style=\"font-size: 15px;\"><bdt class=\"block-component\"><\/bdt><\/span><\/div><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"thirdparty\" style=\"line-height: 115%;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">8.<\/span><\/strong><\/span>\u00a0<\/strong>THIRD-PARTY WEBSITE AND CONTENT<\/span><\/strong><\/div><div style=\"line-height: 1;\"><br><\/div><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\">The Site may contain (or you may be sent via the Site) links to other websites (&#8220;Third-Party Websites&#8221;) as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties (&#8220;Third-Party Content&#8221;). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Site or any Third-Party Content posted on, available through, or installed from the Site, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Site and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Terms of Use no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Site or relating to any applications you use or install from the Site. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us harmless from any harm caused by your purchase of such products or services. Additionally, you shall hold us harmless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.<\/span><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div style=\"line-height: 1.5;\"><br><\/div><div align=\"center\"><span style=\"font-size: 15px;\"><bdt class=\"statement-end-if-in-editor\"><\/bdt><\/span><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><div class=\"MsoNormal\" style=\"line-height: 115%;\"><span style=\"font-size: 15px;\"><a name=\"_29ce8o9pbtmi\"><\/a><\/span><\/div><bdt class=\"block-container if\" data-type=\"if\" id=\"14038561-dad7-be9d-370f-f8aa487b2570\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"advertiser_option\" data-type=\"statement\"><span style=\"font-size: 15px;\"><\/span><\/bdt> <bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"advertisers\" style=\"line-height: 115%;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">9.<\/span><\/strong><\/span>\u00a0<\/strong>ADVERTISERS<\/span><\/strong><\/div><\/bdt><\/bdt><\/bdt><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><bdt class=\"block-container if\" data-type=\"if\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\">We allow advertisers to display their advertisements and other information in certain areas of the Site, such as sidebar advertisements or banner advertisements. If you are an advertiser, you shall take full responsibility for any advertisements you place on the Site and any services provided on the Site or products sold through those advertisements. Further, as an advertiser, you warrant and represent that you possess all rights and authority to place advertisements on the Site, including, but not limited to, intellectual property rights, publicity rights, and contractual rights. <bdt class=\"block-component\"><\/bdt><bdt class=\"block-container if\" data-type=\"if\" id=\"8ec10cc0-11fe-3699-b713-180daf1c979d\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"copyright_agent_option\" data-type=\"statement\"><\/bdt><\/span><\/bdt><\/bdt><bdt class=\"statement-end-if-in-editor\" data-type=\"close\"><\/bdt><\/bdt>We simply provide the space to place such advertisements, and we have no other relationship with advertisers.<\/span><\/div><\/bdt><\/bdt><\/bdt><\/div><div style=\"line-height: 1.5;\"><br><\/div><div style=\"line-height: 1.5;\"><br><\/div><div align=\"center\" style=\"text-align: left; line-height: 1.5;\"><bdt class=\"block-container if\" data-type=\"if\"><bdt class=\"statement-end-if-in-editor\" data-type=\"close\"><span style=\"font-size: 15px;\"><\/span><\/bdt><\/bdt><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"sitemanage\" style=\"line-height: 115%;\"><a name=\"_wj13r09u8u3u\"><\/a><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">10.<\/span><\/strong><\/span>\u00a0<\/strong>SITE MANAGEMENT<\/span><\/strong><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" style=\"text-align: left; line-height: 1.5;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\">We reserve the\nright, but not the obligation, to: (1) monitor the Site for violations of\nthese Terms of Use; (2) take appropriate legal action against anyone who, in\nour sole discretion, violates the law or these Terms of Use, including without\nlimitation, reporting such user to law enforcement authorities; (3) in our sole\ndiscretion and without limitation, refuse, restrict access to, limit the\navailability of, or disable (to the extent technologically feasible) any of\nyour Contributions or any portion thereof; (4) in our sole discretion and\nwithout limitation, notice, or liability, to remove from the Site or otherwise\ndisable all files and content that are excessive in size or are in any way\nburdensome to our systems; and (5) otherwise manage the Site in a manner\ndesigned to protect our rights and property and to facilitate the proper\nfunctioning of the Site.<\/span><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1.5;\"><br><\/div><div align=\"center\" style=\"text-align: left; line-height: 1.5;\"><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><a name=\"_jugvcvcw0oj9\"><\/a><\/div><bdt class=\"block-container if\" data-type=\"if\" id=\"bdd90fa9-e664-7d0b-c352-2b8e77dd3bb4\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"privacy_policy_option\" data-type=\"statement\"><span style=\"font-size: 15px;\"><\/span><\/bdt> <bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"privacypolicy1\" style=\"line-height: 1.5;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">11.<\/span><\/strong><\/span>\u00a0<\/strong>PRIVACY POLICY<\/span><\/strong><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><br><\/div><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\">We care about data privacy and security.\u00a0<\/span><span style=\"color: rgb(89, 89, 89); font-size: 14.6667px;\">Please review our Privacy Policy:<\/span><b style=\"color: rgb(89, 89, 89); font-size: 14.6667px;\">\u00a0<bdt class=\"block-container question question-in-editor\" data-id=\"d10c7fd7-0685-12ac-c717-cbc45ff916d1\" data-type=\"question\"><a href=\"https:\/\/mdfinancialskills.org\/privacy-policy\/\" target=\"_blank\" data-custom-class=\"link\" rel=\"noopener\">https:\/\/mdfinancialskills.org\/privacy-policy\/<\/a><\/bdt><\/b><span style=\"color: rgb(89, 89, 89); font-size: 14.6667px;\">.\u00a0<\/span><span style=\"color: rgb(89, 89, 89); font-size: 11pt;\">By using the Site, you agree to be bound by our Privacy Policy, which is incorporated into these Terms of Use. Please be advised the Site is hosted in <span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><bdt class=\"block-component\"><\/bdt>the <bdt class=\"question\">United States<\/bdt><bdt class=\"block-component\"><\/bdt><\/span>. If you access the Site from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in <span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><bdt class=\"block-component\"><\/bdt>the <bdt class=\"question\">United States<\/bdt><bdt class=\"block-component\"><\/bdt><\/span>, then through your continued use of the Site, you are transferring your data to <span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><bdt class=\"block-component\"><\/bdt>the <bdt class=\"question\">United States<\/bdt><bdt class=\"block-component\"><\/bdt><\/span>, and you agree to have your data transferred to and processed in <span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><bdt class=\"block-component\"><\/bdt>the <bdt class=\"question\">United States<\/bdt><bdt class=\"block-component\"><\/bdt><\/span>. <bdt class=\"block-component\"><\/bdt><\/span><bdt class=\"block-container if\" data-type=\"if\" id=\"547bb7bb-ecf2-84b9-1cbb-a861dc3e14e7\" style=\"color: rgb(89, 89, 89); font-size: 11pt;\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"user_u13_option\" data-type=\"statement\"><\/bdt><bdt class=\"statement-end-if-in-editor\"><\/bdt><\/span><\/bdt><\/bdt><\/bdt><\/div><\/bdt><\/bdt><\/bdt><\/div><div align=\"center\" style=\"text-align: left; line-height: 1.5;\"><br><\/div><div align=\"center\" style=\"text-align: left; line-height: 1.5;\"><br><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><bdt class=\"block-container if\" data-type=\"if\"><bdt class=\"statement-end-if-in-editor\" data-type=\"close\"><span style=\"font-size: 15px;\"><\/span><\/bdt><\/bdt><div style=\"text-align: justify; line-height: 1.5;\"><bdt class=\"block-container if\" data-type=\"if\" id=\"87a7471d-cf82-1032-fdf8-601d37d7b017\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"privacy_policy_followup\" data-type=\"statement\" style=\"font-size: 14.6667px;\"><span style=\"font-size: 15px;\"><\/span><\/bdt><\/bdt><\/div><div class=\"MsoNormal\" style=\"line-height: 115%;\"><span style=\"font-size: 15px;\"><a name=\"_n081pott8yce\"><\/a><\/span><\/div><bdt class=\"block-component\"><bdt class=\"block-component\"><\/bdt><bdt class=\"block-container if\" data-type=\"if\"><bdt class=\"statement-end-if-in-editor\" data-type=\"close\"><span style=\"font-size: 15px;\"><\/span><\/bdt><\/bdt><\/span><\/bdt><\/bdt><div class=\"MsoNormal\" style=\"line-height: 1;\"><span style=\"font-size: 15px;\"><a name=\"_sg28ikxq3swh\"><\/a><\/span> <bdt class=\"block-component\"><bdt class=\"block-component\"><\/bdt><\/bdt> <bdt class=\"block-container if\" data-type=\"if\" id=\"95e88984-ac54-be9d-35de-f10fd010af14\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"copyright1\" style=\"line-height: 115%;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">12.<\/span><\/strong><\/span>\u00a0<\/strong>COPYRIGHT INFRINGEMENTS<\/span><\/strong><\/div><\/bdt><\/bdt><\/bdt><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><bdt class=\"block-container if\" data-type=\"if\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\">We respect the\nintellectual property rights of others. If you believe that any material available on or through the Site\ninfringes upon any copyright you own or control, please immediately notify us\nusing the contact information provided below (a \u201cNotification\u201d). A copy of your Notification will be sent to\nthe person who posted or stored the material addressed in the\nNotification. Please be advised that\npursuant to applicable law you may be held liable for damages if you make material\nmisrepresentations in a Notification. Thus, if you are not sure that material\nlocated on or linked to by the Site infringes your copyright, you should\nconsider first contacting an attorney.<\/span><\/div><\/bdt><\/bdt><\/bdt><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1.5;\"><br><\/div><div align=\"center\" style=\"text-align: left; line-height: 1.5;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><bdt class=\"block-container if\" data-type=\"if\"><bdt class=\"statement-end-if-in-editor\" data-type=\"close\"><span style=\"font-size: 15px;\"><bdt class=\"block-component\"><\/bdt><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"terms\" style=\"line-height: 115%;\"><a name=\"_k3mndam4w6w1\"><\/a><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">13.<\/span><\/strong><\/span>\u00a0<\/strong>TERM AND TERMINATION<\/span><\/strong><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size: 15px; line-height: 115%; font-family: Arial; color: rgb(89, 89, 89);\">These Terms of Use shall remain in full force and effect while you use the Site. WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS OF USE, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SITE (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TERMS OF USE OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SITE OR DELETE <bdt class=\"block-container if\" data-type=\"if\" id=\"a6e121c2-36b4-5066-bf9f-a0a33512e768\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"user_account_option\" data-type=\"statement\"><\/bdt><\/bdt>ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME,\nWITHOUT WARNING, IN OUR SOLE DISCRETION.<\/span><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\">If we terminate\nor suspend your account for any reason, you are prohibited from registering and\ncreating a new account under your name, a fake or borrowed name, or the name of\nany third party, even if you may be acting on behalf of the third party. In\naddition to terminating or suspending your account, we reserve the right to\ntake appropriate legal action, including without limitation pursuing civil,\ncriminal, and injunctive redress.<\/span><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1.5;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"modifications\" style=\"line-height: 1.5;\"><a name=\"_e2dep1hfgltt\"><\/a><strong><span style=\"line-height: 115%; font-family: Arial;\"><span style=\"font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">14.<\/span><\/strong><\/span>\u00a0<\/strong>MODIFICATIONS AND INTERRUPTIONS<\/span><\/span><\/strong><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\">We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Site. We also reserve the right to modify or discontinue all or part of the Site without notice at any time. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site.<\/span><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\">We cannot guarantee\nthe Site will be available at all times. We may experience hardware, software,\nor other problems or need to perform maintenance related to the Site, resulting\nin interruptions, delays, or errors. We\nreserve the right to change, revise, update, suspend, discontinue, or otherwise\nmodify the Site at any time or for any reason without notice to you. You agree that we have no liability\nwhatsoever for any loss, damage, or inconvenience caused by your inability to\naccess or use the Site during any downtime or discontinuance of the Site. Nothing in these Terms of Use will be\nconstrued to obligate us to maintain and support the Site or to supply any\ncorrections, updates, or releases in connection therewith.<\/span><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1.5;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"law\" style=\"line-height: 1.5;\"><a name=\"_p6vbf8atcwhs\"><\/a><strong><span style=\"line-height: 115%; font-family: Arial;\"><span style=\"font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">15.<\/span><\/strong><\/span>\u00a0<\/strong>GOVERNING LAW<\/span>\u00a0<\/span><\/strong><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height: 115%;\"><bdt class=\"block-component\"><span style=\"font-size: 15px;\"><\/bdt><\/span><\/span><\/div><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\">These Terms shall be governed by and defined following the laws of <span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><bdt class=\"block-component\"><\/bdt><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><bdt class=\"question\">Australia<\/bdt><\/span><\/span><bdt class=\"statement-end-if-in-editor\"><\/bdt><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span>. <bdt class=\"question\">MD Financial Skills<\/bdt> and yourself irrevocably consent that the courts of <span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><bdt class=\"block-component\"><\/bdt><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><bdt class=\"question\">Australia<\/bdt><\/span><\/span><bdt class=\"statement-end-if-in-editor\"><\/bdt><\/span><\/span><\/span><\/span><\/span>\u00a0<\/span>shall have exclusive jurisdiction to resolve any dispute which may arise in connection with these terms.<\/span><\/span><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-size: 15px;\"><bdt class=\"statement-end-if-in-editor\"><\/bdt><\/span><\/span><\/span><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"disputes\" style=\"line-height: 1.5;\"><a name=\"_v5i5tjw62cyw\"><\/a><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">16.<\/span><\/strong><\/span><\/strong><\/span>\u00a0<\/strong>DISPUTE RESOLUTION<\/span><\/strong><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" style=\"line-height: 115%;\"><bdt class=\"block-container if\" data-type=\"if\" id=\"4de367b8-a92e-8bf8-bc2e-013cba6337f8\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"dispute_option\" data-type=\"statement\"><\/bdt> <bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"heading_2\" style=\"line-height: 17.25px; text-align: left;\"><strong>Informal Negotiations<\/strong><\/div><\/bdt><\/bdt><\/bdt><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><bdt class=\"block-container if\" data-type=\"if\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"text-align: left; line-height: 1.5;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\">To expedite resolution and control the cost of any dispute, controversy, or claim related to these Terms of Use (each &#8220;Dispute&#8221; and collectively, the \u201cDisputes\u201d) brought by either you or us (individually, a \u201cParty\u201d and collectively, the \u201cParties\u201d), the Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly provided below) informally for at least <bdt class=\"block-container question question-in-editor\" data-id=\"33108d82-92fb-fbe9-6ef5-01cac7097351\" data-type=\"question\">ninety (90)<\/bdt> days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party.<\/span><\/div><\/bdt><\/bdt><\/bdt><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><bdt class=\"block-container if\" data-type=\"if\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"heading_2\" style=\"line-height: 17.25px; text-align: left;\"><a name=\"_p2enhfx5sw3j\"><\/a><strong>Binding Arbitration<\/strong><\/div><\/bdt><\/bdt><\/bdt><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><bdt class=\"block-component\"><\/bdt><\/span><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><bdt class=\"block-container if\" data-type=\"if\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"text-align: left; line-height: 1.5;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\">If the Parties are unable to resolve a Dispute through informal negotiations, the Dispute (except those Disputes expressly excluded below) will be finally and exclusively resolved through binding arbitration. YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association (&#8220;AAA&#8221;) and, where appropriate, the AAA\u2019s Supplementary Procedures for Consumer Related Disputes (&#8220;AAA Consumer Rules&#8221;), both of which are available at the AAA website:<\/span><bdt class=\"block-container if\" data-type=\"if\"><bdt data-type=\"conditional-block\">\u00a0<bdt data-type=\"body\"><a data-custom-class=\"link\" href=\"https:\/\/www.adr.org\" rel=\"noopener noreferrer\" target=\"_blank\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\">www.adr.org<\/span><\/a><bdt class=\"block-container if\" data-type=\"if\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\">. Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA Consumer Rules and, where appropriate, limited by the AAA Consumer Rules. <bdt class=\"block-container if\" data-type=\"if\" id=\"6777bc44-5ef4-6fac-ab8d-a10de36d54f9\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"artitration_fee_option\" data-type=\"statement\"><\/bdt><\/bdt>The arbitration may be conducted in person, through the submission of documents, by phone, or online. The arbitrator will make a decision in writing, but need not provide a statement of reasons unless requested by either Party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so. Except where otherwise required by the applicable AAA rules or applicable law, the arbitration will take place in<bdt class=\"block-component\"><\/bdt> <bdt class=\"block-container question question-in-editor\" data-id=\"e0454973-d288-7862-452e-772c9f275b5c\" data-type=\"question\">Maryland<\/bdt>,<bdt class=\"block-container if\" data-type=\"if\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><bdt class=\"block-container if\" data-type=\"if\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><bdt class=\"statement-end-if-in-editor\"><\/bdt><\/span><\/bdt><\/bdt><\/bdt><\/bdt><\/bdt><\/bdt> <bdt class=\"block-component\"><\/bdt><bdt class=\"block-container if\" data-type=\"if\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><bdt class=\"block-container if\" data-type=\"if\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><bdt class=\"block-container question question-in-editor\" data-id=\"632c5ff4-8ec5-86c3-d282-b9e06cf62215\" data-type=\"question\">Maryland<\/bdt><\/span><\/bdt><\/bdt><\/bdt><\/bdt><\/bdt><\/bdt><bdt class=\"statement-end-if-in-editor\"><\/bdt>. Except as otherwise provided herein, the Parties may litigate in court to compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.<\/span><\/bdt><\/bdt><\/bdt><\/bdt><\/bdt><\/bdt><\/div><\/bdt><\/bdt><\/bdt><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><bdt class=\"block-container if\" data-type=\"if\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"text-align: left; line-height: 1.5;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\">If for any reason, a Dispute proceeds in court rather than arbitration, the Dispute shall be commenced or prosecuted in the<bdt class=\"block-component\"><\/bdt> state and federal courts<bdt class=\"statement-end-if-in-editor\"><\/bdt> located in<bdt class=\"block-component\"><\/bdt> <bdt class=\"block-container question question-in-editor\" data-id=\"0d5b0af7-6a06-0b6d-a370-6c3a1d2cb587\" data-type=\"question\">Maryland<\/bdt>,<span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><bdt class=\"statement-end-if-in-editor\"><\/bdt><\/span> <bdt class=\"block-component\"><\/bdt><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><bdt class=\"block-container question question-in-editor\" data-id=\"8bc2c475-98be-a10c-7854-a542e98e68a9\" data-type=\"question\">Maryland<\/bdt><\/span><bdt class=\"statement-end-if-in-editor\"><\/bdt>, and the Parties hereby consent to, and waive all defenses of lack of personal jurisdiction, and forum non conveniens with respect to venue and jurisdiction in such<span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><bdt class=\"block-component\"><\/bdt> state and federal courts<bdt class=\"statement-end-if-in-editor\"><\/bdt><\/span>. Application of the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transaction Act (UCITA) is excluded from these Terms of Use.<\/span><\/div><\/bdt><\/bdt><\/bdt><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><bdt class=\"block-container if\" data-type=\"if\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"text-align: left; line-height: 1.5;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><bdt class=\"block-container if\" data-type=\"if\" id=\"95c81a4f-1d76-e81e-2edf-1fd863197615\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"arbitration_limit_years_option\" data-type=\"statement\"><\/bdt><bdt data-type=\"body\">In no event shall any Dispute brought by either Party related in any way to the Site be commenced more than <bdt class=\"block-container question question-in-editor\" data-id=\"33e1829d-7496-9076-0a25-17a95cea677b\" data-type=\"question\">zero (0)<\/bdt> years after the cause of action arose.\u00a0<\/bdt><\/bdt><bdt class=\"statement-end-if-in-editor\" data-type=\"close\"><\/bdt><\/bdt>If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable, and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.<span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\"><bdt class=\"statement-end-if-in-editor\"><bdt class=\"block-component\"><\/bdt><\/span><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><br><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><bdt class=\"block-container if\" data-type=\"if\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"heading_2\" style=\"line-height: 17.25px; text-align: left;\"><a name=\"_inlv5c77dhih\"><\/a><strong>Restrictions<\/strong><\/div><\/bdt><\/bdt><\/bdt><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><br><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><bdt class=\"block-container if\" data-type=\"if\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"text-align: left; line-height: 1.5;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\">The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.<\/span><\/div><\/bdt><\/bdt><\/bdt><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><br><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><bdt class=\"block-container if\" data-type=\"if\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"heading_2\" style=\"line-height: 17.25px; text-align: left;\"><a name=\"_mdjlt1af25uq\"><\/a><strong>Exceptions to Informal Negotiations and Arbitration<\/strong><\/div><\/bdt><\/bdt><\/bdt><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><br><\/div><div class=\"MsoNormal\" style=\"text-align: justify; line-height: 1;\"><bdt class=\"block-container if\" data-type=\"if\"><bdt data-type=\"conditional-block\"><bdt data-type=\"body\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"text-align: left; line-height: 1.5;\"><span style=\"font-size: 11pt; line-height: 16.8667px; color: rgb(89, 89, 89);\">The Parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.<\/span><\/div><\/bdt><\/bdt><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"null\" data-type=\"statement\"><span style=\"font-size: 15px;\"><\/span><\/bdt><\/bdt><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1.5;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"corrections\" style=\"line-height: 1.5;\"><a name=\"_mjgzo07ttzx5\"><\/a><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">17.<\/span><\/strong><\/span>\u00a0<\/strong>CORRECTIONS<\/span><\/strong><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\">There may be\ninformation on the Site that contains typographical errors, inaccuracies, or\nomissions, including descriptions, pricing, availability, and various other\ninformation. We reserve the right to\ncorrect any errors, inaccuracies, or omissions and to change or update the\ninformation on the Site at any time, without prior notice.<\/span><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1.5;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"disclaimer\" style=\"line-height: 1.5;\"><a name=\"_gvi74blrahf9\"><\/a><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">18.<\/span><\/strong><\/span>\u00a0<\/strong>DISCLAIMER<\/span><\/strong><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\">THE SITE IS PROVIDED\nON AN AS-IS AND AS-AVAILABLE BASIS. YOU\nAGREE THAT YOUR USE OF THE SITE AND OUR SERVICES WILL BE AT YOUR SOLE RISK. TO THE\nFULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR\nIMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF, INCLUDING, WITHOUT\nLIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR\nPURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT\nTHE ACCURACY OR COMPLETENESS OF THE SITE\u2019S CONTENT OR THE CONTENT OF ANY\nWEBSITES LINKED TO THE SITE AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY\nFOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2)\nPERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM\nYOUR ACCESS TO AND USE OF THE SITE, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF\nOUR SECURE SERVERS AND\/OR ANY AND ALL PERSONAL INFORMATION AND\/OR FINANCIAL\nINFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION\nTO OR FROM THE SITE, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH\nMAY BE TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY, AND\/OR (6) ANY\nERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF\nANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR\nOTHERWISE MADE AVAILABLE VIA THE SITE. WE DO NOT WARRANT, ENDORSE, GUARANTEE,\nOR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A\nTHIRD PARTY THROUGH THE SITE, ANY HYPERLINKED WEBSITE, OR ANY WEBSITE OR MOBILE\nAPPLICATION FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND WE WILL NOT BE A\nPARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU\nAND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE\nPURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU\nSHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.<\/span><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1.5;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"liability\" style=\"line-height: 1.5;\"><a name=\"_4pjah3d0455q\"><\/a><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">19.\u00a0<\/span><\/strong><\/span><\/strong>LIMITATIONS OF LIABILITY<\/span><\/strong><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\">IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. <bdt class=\"block-container if\" data-type=\"if\" id=\"3c3071ce-c603-4812-b8ca-ac40b91b9943\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"limitations_liability_option\" data-type=\"statement\"><\/bdt><bdt data-type=\"body\">NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO <bdt class=\"block-container if\" data-type=\"if\" id=\"73189d93-ed3a-d597-3efc-15956fa8e04e\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"limitations_liability_option\" data-type=\"statement\"><\/bdt><bdt data-type=\"body\">THE\nAMOUNT PAID, IF ANY, BY YOU TO US<bdt class=\"block-container if\" data-type=\"if\" id=\"19e172cb-4ccf-1904-7c06-4251800ba748\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"limilation_liability_time_option\" data-type=\"statement\"><\/bdt><\/bdt><\/bdt><\/bdt><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"limitations_liability_option\" data-type=\"statement\"><\/bdt><\/bdt>. CERTAIN US STATE LAWS AND INTERNATIONAL 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 OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.<\/bdt><\/bdt><bdt class=\"statement-end-if-in-editor\" data-type=\"close\"><\/bdt><\/bdt><\/span><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1.5;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"indemnification\" style=\"line-height: 1.5;\"><a name=\"_k5ap68aj1dd4\"><\/a><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">20.<\/span><\/strong><\/span>\u00a0<\/strong>INDEMNIFICATION<\/span><\/strong><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\">You agree to\ndefend, indemnify, and hold us harmless, including our subsidiaries,\naffiliates, and all of our respective officers, agents, partners, and\nemployees, from and against any loss, damage, liability, claim, or demand, including\nreasonable attorneys\u2019 fees and expenses, made by any third party due to or\narising out of: <bdt class=\"block-container if\" data-type=\"if\" id=\"475fffa5-05ca-def8-ac88-f426b238903c\"><bdt data-type=\"conditional-block\"><bdt class=\"block-component\" data-record-question-key=\"user_post_content_option\" data-type=\"statement\"><\/bdt><bdt data-type=\"body\">(1) your Contributions;\u00a0<\/bdt><\/bdt><bdt class=\"statement-end-if-in-editor\" data-type=\"close\"><\/bdt><\/bdt>(<span style=\"font-size: 14.6667px;\">2<\/span>) use of the Site; (<span style=\"font-size: 14.6667px;\">3<\/span>) breach of these Terms of Use; (<span style=\"font-size: 14.6667px;\">4<\/span>) any breach of your representations and warranties set forth in these Terms of Use; (<span style=\"font-size: 14.6667px;\">5<\/span>) your violation of the rights of a third party, including but not limited to intellectual property rights; or (<span style=\"font-size: 14.6667px;\">6<\/span>) any overt harmful act toward any other user of the Site with whom you connected via the Site. Notwithstanding the foregoing, we reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.<\/span><span style=\"color: rgb(89, 89, 89); font-size: 14.6667px;\"><\/span><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1.5;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"userdata\" style=\"line-height: 1.5;\"><a name=\"_ftgg17oha0ep\"><\/a><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">21.<\/span><\/strong><\/span><\/strong>\u00a0<\/span><\/strong>USER DATA<\/span><\/strong><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\">We will maintain\ncertain data that you transmit to the Site for the purpose of managing the\nperformance of the Site, as well as data relating to your use of the Site. Although we perform regular routine backups\nof data, you are solely responsible for all data that you transmit or that\nrelates to any activity you have undertaken using the Site. You agree\nthat we shall have no liability to you for any loss or corruption of any such\ndata, and you hereby waive any right of action against us arising from any such\nloss or corruption of such data.<\/span><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1.5;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"electronic\" style=\"line-height: 1.5;\"><a name=\"_dkovrslqodui\"><\/a><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">22.<\/span><\/strong><\/span>\u00a0<\/strong>ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES<\/span><\/strong><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\">Visiting the Site, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically, via email and on the Site, satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SITE. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.<\/span><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\"><bdt class=\"block-component\"><\/bdt><\/span><\/div><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"california\" style=\"line-height: 115%;\"><a name=\"_cem9cu2usl7k\"><\/a><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">23.\u00a0<\/span><\/strong><\/span><\/strong>CALIFORNIA USERS AND RESIDENTS<\/span><\/strong><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\">If any complaint\nwith us is not satisfactorily resolved, you can contact the Complaint\nAssistance Unit of the Division of Consumer Services of the California\nDepartment of Consumer Affairs in writing at 1625 North Market Blvd., Suite N\n112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916)\n445-1254.<\/span><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\"><bdt class=\"statement-end-if-in-editor\"><\/bdt><\/span><\/span><\/div><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"misc\" style=\"line-height: 115%;\"><a name=\"_d4jvmcnxg0wt\"><\/a><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">24.<\/span><\/strong><\/span>\u00a0<\/strong>MISCELLANEOUS<\/span><\/strong><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\">These Terms of Use and any policies or operating rules posted by us on the Site or in respect to the Site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms of Use shall not operate as a waiver of such right or provision. These Terms of Use operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Terms of Use is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Terms of Use and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Terms of Use or use of the Site. You agree that these Terms of Use will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Terms of Use and the lack of signing by the parties hereto to execute these Terms of Use.<\/span><\/div><div class=\"MsoNormal\" style=\"line-height: 1;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\"><bdt class=\"block-component\"><\/bdt><\/span><\/div><div align=\"center\" style=\"text-align: left; line-height: 1.5;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><br><\/div><div class=\"MsoNormal\" data-custom-class=\"heading_1\" id=\"contact\" style=\"line-height: 1.5;\"><a name=\"_t4pq5cwn486q\"><\/a><strong><span style=\"line-height: 115%; font-family: Arial;\"><span style=\"font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\"><strong><span style=\"line-height: 115%; font-family: Arial; font-size: 19px;\">25.<\/span><\/strong><\/span>\u00a0<\/strong>CONTACT US<\/span><\/span><\/strong><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size:11.0pt;line-height:115%;font-family:Arial;\nCalibri;color:#595959;mso-themecolor:text1;mso-themetint:166;\">In order to resolve a complaint regarding the Site or to receive further information regarding use of the Site, please contact us at:<\/span><\/div><\/div><div align=\"center\" style=\"text-align: left; line-height: 1;\"><br><\/div><div align=\"center\" style=\"text-align: left;\"><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size: 15px; line-height: 115%; font-family: Arial; color: rgb(89, 89, 89);\"><bdt class=\"block-container question question-in-editor\" data-id=\"8a6919c4-2010-e7d6-2305-d74dfb08909d\" data-type=\"question\"><strong>MD Financial Skills<\/strong><\/bdt><\/span><\/div><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"color: rgb(89, 89, 89);\"><strong><span style=\"font-size: 15px;\"><bdt class=\"question\"><span style=\"color: rgb(89, 89, 89);\"><strong><span style=\"font-size: 15px;\"><bdt class=\"block-component\"><\/bdt><\/span><\/strong><\/span><\/div><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"color: rgb(89, 89, 89);\"><strong><span style=\"font-size: 15px;\"><bdt class=\"question\"><span style=\"color: rgb(89, 89, 89);\"><strong><span style=\"font-size: 15px;\"><bdt class=\"block-component\"><\/bdt><\/span><\/strong><\/span><\/div><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"color: rgb(89, 89, 89);\"><strong><span style=\"font-size: 15px;\"><bdt class=\"question\">__________<\/bdt><bdt class=\"block-component\"><\/bdt><\/span><\/strong><strong><span style=\"font-size: 15px;\"><bdt class=\"block-component\"><\/bdt>, <bdt class=\"question\">MD<\/bdt><bdt class=\"statement-end-if-in-editor\"><\/bdt><\/span><\/strong><strong><span style=\"font-size: 15px;\"><bdt class=\"block-component\"><\/bdt><\/span><\/strong><strong><span style=\"font-size: 15px;\"><bdt class=\"block-component\"><\/bdt><\/span><\/strong><\/span> <span style=\"color: rgb(89, 89, 89);\"><strong><span style=\"font-size: 15px;\"><bdt class=\"question\">20906<\/bdt><bdt class=\"statement-end-if-in-editor\"><\/bdt><\/span><\/strong><\/span><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><span style=\"color: rgb(89, 89, 89);\"><strong><span style=\"font-size: 15px;\"><bdt class=\"question\"><span style=\"color: rgb(89, 89, 89);\"><strong><span style=\"font-size: 15px;\"><bdt class=\"block-component\"><\/bdt><\/span><\/strong><\/span><\/bdt><\/span><\/strong><strong><span style=\"font-size: 15px;\"><bdt class=\"question\"><span style=\"color: rgb(89, 89, 89);\"><strong><span style=\"font-size: 15px;\"><bdt class=\"block-component\"><\/bdt><bdt class=\"block-component\"><\/bdt><\/span><\/strong><\/span><\/bdt><\/span><\/strong><\/span><\/div><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"color: rgb(89, 89, 89);\"><strong><span style=\"font-size: 15px;\"><bdt class=\"statement-end-if-in-editor\"><bdt class=\"block-component\"><span style=\"font-size:11.0pt;line-height:115%;\nArial;mso-fareast-font-family:Calibri;color:#595959;mso-themecolor:text1;\nmso-themetint:166;\"><span style=\"font-size:11.0pt;line-height:115%;\nArial;mso-fareast-font-family:Calibri;color:#595959;mso-themecolor:text1;\nmso-themetint:166;\"><bdt class=\"question\">United States<\/bdt><\/span><\/span><\/bdt><\/bdt><\/span><\/strong><\/span><\/div><div class=\"MsoNormal\" style=\"line-height: 1.5;\"><span style=\"color: rgb(89, 89, 89);\"><strong><span style=\"font-size: 15px;\"><bdt class=\"statement-end-if-in-editor\"><span style=\"color: rgb(89, 89, 89);\"><strong><span style=\"font-size: 15px;\"><bdt class=\"statement-end-if-in-editor\"><bdt class=\"block-component\"><\/bdt><bdt class=\"statement-end-if-in-editor\"><\/bdt><\/span><\/strong><\/span><\/span><\/strong><\/span><\/div><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"color: rgb(89, 89, 89);\"><strong><span style=\"font-size: 15px;\"><\/span><\/strong><strong><span style=\"font-size: 15px;\"><span style=\"line-height: 115%; font-family: Arial;\"><bdt class=\"block-container question question-in-editor\" data-id=\"dd6f266f-438b-bfdc-9204-0b17e109e270\" data-type=\"question\"><\/bdt><\/span><\/span><\/strong><\/span><\/div><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size: 15px;\"><strong><span style=\"color: rgb(89, 89, 89);\"><span style=\"font-size: 15px;\"><strong><span style=\"color: rgb(89, 89, 89);\"><bdt class=\"block-component\"><\/bdt><\/span><\/strong><\/span><\/div><div class=\"MsoNormal\" data-custom-class=\"body_text\" style=\"line-height: 1.5;\"><span style=\"font-size: 15px; line-height: 115%; font-family: Arial; color: rgb(89, 89, 89);\"><bdt class=\"block-container question question-in-editor\" data-id=\"fdc2b5b8-c95f-244b-23a7-287f82541348\" data-type=\"question\"><strong>michael@mdfinancialskills.org<\/strong><\/bdt><\/span><\/div><\/div><style>\n      ul {\n        list-style-type: square;\n      }\n      ul > li > ul {\n        list-style-type: circle;\n      }\n      ul > li > ul > li > ul {\n        list-style-type: square;\n      }\n      ol li {\n        font-family: Arial ;\n      }\n    <\/style>\n      <\/div>\n","protected":false},"excerpt":{"rendered":"<p>TERMS OF SERVICE Last updated August 01, 2021 TABLE OF CONTENTS 1. AGREEMENT TO TERMS 2. INTELLECTUAL PROPERTY RIGHTS 3. USER REPRESENTATIONS 4. PROHIBITED ACTIVITIES 5. USER GENERATED CONTRIBUTIONS 6. CONTRIBUTION LICENSE 7. SUBMISSIONS 8. THIRD-PARTY WEBSITE AND CONTENT 9. ADVERTISERS 10. SITE MANAGEMENT 11. PRIVACY POLICY 12. COPYRIGHT INFRINGEMENTS 13. TERM AND TERMINATION 14. &#8230; <a title=\"Terms of Service\" class=\"read-more\" href=\"https:\/\/mdfinancialskills.org\/terms-of-service\/\" aria-label=\"Read more about Terms of Service\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"featured_image_urls":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":""},"post_excerpt_stackable":"<p>TERMS OF SERVICELast updated August 01, 2021TABLE OF CONTENTS1. AGREEMENT TO TERMS2. INTELLECTUAL PROPERTY RIGHTS3. USER REPRESENTATIONS4. PROHIBITED ACTIVITIES5. USER GENERATED CONTRIBUTIONS6. CONTRIBUTION LICENSE7. SUBMISSIONS8. THIRD-PARTY WEBSITE AND CONTENT9. ADVERTISERS10. SITE MANAGEMENT11. PRIVACY POLICY12. COPYRIGHT INFRINGEMENTS13. TERM AND TERMINATION14. MODIFICATIONS AND INTERRUPTIONS15. GOVERNING LAW16. DISPUTE RESOLUTION17. CORRECTIONS18. DISCLAIMER19. LIMITATIONS OF LIABILITY20. INDEMNIFICATION21. USER DATA22. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES23. CALIFORNIA USERS AND RESIDENTS24. MISCELLANEOUS25. CONTACT US1. AGREEMENT TO TERMSThese Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity (\u201cyou\u201d) and MD Financial Skills (&#8220;Company,&#8221; \u201cwe,&#8221; \u201cus,&#8221; or \u201cour\u201d), concerning your&hellip;<\/p>\n","category_list":"","author_info":{"name":"Michael","url":"https:\/\/mdfinancialskills.org\/author\/leigh\/"},"comments_num":"0 comments","featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":""},"post_excerpt_stackable_v2":"<p>TERMS OF SERVICELast updated August 01, 2021TABLE OF CONTENTS1. AGREEMENT TO TERMS2. INTELLECTUAL PROPERTY RIGHTS3. USER REPRESENTATIONS4. PROHIBITED ACTIVITIES5. USER GENERATED CONTRIBUTIONS6. CONTRIBUTION LICENSE7. SUBMISSIONS8. THIRD-PARTY WEBSITE AND CONTENT9. ADVERTISERS10. SITE MANAGEMENT11. PRIVACY POLICY12. COPYRIGHT INFRINGEMENTS13. TERM AND TERMINATION14. MODIFICATIONS AND INTERRUPTIONS15. GOVERNING LAW16. DISPUTE RESOLUTION17. CORRECTIONS18. DISCLAIMER19. LIMITATIONS OF LIABILITY20. INDEMNIFICATION21. USER DATA22. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES23. CALIFORNIA USERS AND RESIDENTS24. MISCELLANEOUS25. CONTACT US1. AGREEMENT TO TERMSThese Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity (\u201cyou\u201d) and MD Financial Skills (&#8220;Company,&#8221; \u201cwe,&#8221; \u201cus,&#8221; or \u201cour\u201d), concerning your&hellip;<\/p>\n","category_list_v2":"","author_info_v2":{"name":"Michael","url":"https:\/\/mdfinancialskills.org\/author\/leigh\/"},"comments_num_v2":"0 comments","_links":{"self":[{"href":"https:\/\/mdfinancialskills.org\/wp-json\/wp\/v2\/pages\/4666"}],"collection":[{"href":"https:\/\/mdfinancialskills.org\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mdfinancialskills.org\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mdfinancialskills.org\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mdfinancialskills.org\/wp-json\/wp\/v2\/comments?post=4666"}],"version-history":[{"count":0,"href":"https:\/\/mdfinancialskills.org\/wp-json\/wp\/v2\/pages\/4666\/revisions"}],"wp:attachment":[{"href":"https:\/\/mdfinancialskills.org\/wp-json\/wp\/v2\/media?parent=4666"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}