TERMS AND CONDITIONS OF USE

1.  ACCEPTANCE OF TERMS

MoneyStats LLC (“Company,” “we” or “us”) provides its online service to you via this website (the “Service”), subject to the following Terms and Conditions of Use (the “Terms”), which may be updated by us from time to time without notice to you. Your use of this website constitutes your agreement to all these terms and conditions, and such other policies and notices as may be posted on this website (the "Agreement").  THIS IS A BINDING AGREEMENT - if you do not agree to any portion of the Agreement, you are prohibited from use of the Service or access to this website.

You agree not to reproduce, duplicate, copy, sell, trade, resell, or exploit for any commercial purposes, any portion of this service, use of this service or access to this service.

2. DESCRIPTION OF SERVICE

Company provides users with access to a rich collection of resources through this website. Unless explicitly stated otherwise, any new features that supplement or enhance the current Service, including the release of new Company websites, shall be subject to the Terms. You understand and agree that the Service is provided "AS-IS" and that Company assumes no responsibility for the timeliness, deletion, mis-delivery or failure to store any user communications or personalization settings.

You are responsible for obtaining access to the Service and that access may involve third party fees (such as Internet service provider or airtime charges). You are responsible for those fees. In addition, you must provide and are responsible for all equipment necessary to access the Service.

3. MODIFICATIONS TO SERVICE

Company reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that Company shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.

Company may change, add or remove any part of these Terms, or any other terms associated with the use of the Service, at any time, by posting a notice of such changes to the Terms of Service page of the web site. Any changes shall become part of the Agreement and shall apply as soon as such a notice is posted. By continuing to use Company properties after the notice is posted, you are indicating your acceptance of those changes.

4. REGISTRATION INFORMATION

Company requires that you register and/or set up an account to access certain portions of the Service, or the website as a whole.  In order to do so, you may be provided, or required to choose, a password, User Id, and/or other registration information (collectively, "Registration Information").  You agree and represent that all Registration Information provided by you is accurate and up-to-date.  You may not impersonate, imitate or pretend to be somebody else when registering and/or setting up an account on the Website.  If any of your Registration Information changes, you must update it by using the appropriate update mechanism on the website.

5. Use of User ID/PASSWORD

A.           If you register and/or set up an account on the Website, you will be solely responsible for maintaining the confidentiality of your Registration Information. You may not authorize others to use your Registration Information.  You may not sub-license, transfer, sell or assign your Registration Information and/or this Agreement to any third party without our written approval.  Any attempt to do so will be null and void and shall be considered a material breach of this Agreement.

B.           You are solely responsible for all usage or activity on your account including, but not limited to, use of the account by any person who uses your Registration Information, with or without authorization, or who has access to any computer on which your account resides or is accessible.

C.           If you have reason to believe that your account is no longer secure (for example, in the event of a loss, theft or unauthorized disclosure or use of your Registration Information or any credit, debit or charge card number stored you provided when setting up your account), you must promptly change the affected Registration Information by using the appropriate update mechanism on the website.

6. FEES AND PAYMENTS

A.           Company, directly or through the use of a third party online payment processing company, may charge you a fee for use of the Service or other products or services offered through the Website, and/or for access to portions of the website or the website as a whole.  You agree to pay all fees and charges, including applicable taxes, incurred through your account at the rates in effect for the billing period in which such fees and charges are incurred, including but not limited to charges for any products or services offered for sale through the website by Company or by any third party vendor or provider (such fees, charges and taxes shall collectively be referred to as "Fees"). Company reserves the right to change the amount of, or basis for determining, any Fees, and to institute new Fees, effective upon prior notice to you.

B.           If you submit your credit, debit or charge card information to Company or its third party online payment processing company, upon registration or otherwise, you give Company or said third party payment processor permission to charge all Fees incurred through your account to the credit, debit or charge card you designate.  Any additional Fees (other than renewal fees) will be charged at the time they are incurred.  If payment cannot be charged to your credit, debit or charge card or your payment is returned for any reason, including charge back, Company reserves the right to either suspend or terminate your account and all its obligations under this Agreement.  RENEWAL FEES WILL BE BILLED TO YOUR ACCOUNT UNLESS AND UNTIL YOU CANCEL YOUR SUBSCRIPTION TO THE SERVICE.

7. SPONSORS, THIRD PARTIES AND ADVERTISERS

Your correspondence or business dealings with, or participation in promotions of, sponsors, third parties or advertisers found on or through the Service, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such sponsor, third party or advertiser. You agree that Company shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such sponsors, third parties or advertisers on the Service.

8. LINKS

Company may provide, or third parties may provide, links to other World Wide Web sites or resources. Because Company has no control over such sites and resources, you acknowledge and agree that Company is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, accuracy, quality, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

9. DISCLAIMER OF WARRANTIES

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

a. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

b. COMPANY MAKES NO WARRANTY THAT (i) THE SERVICE WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE COMPLETELY ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS, (v) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED, (vi) OR THAT THIS WEB SITE, ITS CONTENT, AND THE SERVERS ON WHICH THE WEB SITE AND CONTENT ARE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

c. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

d. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM COMPANY OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TERMS.

e. THIS WEB SITE MAY CONTAIN VARIOUS COMBINATIONS OF TEXT, IMAGES, AUDIOVISUAL PRODUCTIONS, OPINIONS, STATEMENTS, FACTS, ARTICLES, DATA, STATISTICS OR OTHER INFORMATION CREATED BY COMPANY OR BY THIRD-PARTIES. DUE TO THE NUMBER OF SOURCES FROM WHICH CONTENT IN THIS SITE IS OBTAINED, AND THE INHERENT HAZARDS OF ELECTRONIC DISTRIBUTION, THERE MAY BE DELAYS, OMISSIONS OR INACCURACIES IN SUCH CONTENT. ACCORDINGLY, SUCH CONTENT IS FOR YOUR REFERENCE ONLY

f. INFORMATION CREATED BY THIRD PARTIES THAT YOU MAY ACCESS ON THE SITE OR THROUGH LINKS IS NOT ADOPTED OR ENDORSED BY COMPANY AND REMAINS THE RESPONSIBILITY OF SUCH THIRD PARTIES.

10. LIMITATION OF LIABILITY

YOU EXPRESSLY UNDERSTAND AND AGREE THAT COMPANY SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (v) ANY OTHER MATTER RELATING TO THE SERVICE.

11. EXCLUSIONS AND LIMITATIONS

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF SECTIONS 9 AND 10 MAY NOT APPLY TO YOU.

12. TRADEMARK INFORMATION

All materials on this site ("Online Materials"), including, without limitation, names, logos, trademarks, service marks, images, articles, columns, graphics, photographs, illustrations, artwork, audio clips, video clips, software, and other elements making up the Service are protected by copyrights and other intellectual property rights owned and controlled by Company or by other parties that have licensed their material to Company. Except as specifically provided herein, no Online Materials may be copied, reproduced, republished, downloaded, posted, transmitted, or distributed in any way, or otherwise used for any purpose, without the prior written permission of their respective owners. You may not add, delete, distort, or otherwise modify the content on this site. Any unauthorized attempt to modify any Online Material, to defeat security features, or to utilize this site for other than its intended purposes is prohibited.

MoneyStats and its logos are trademarks of Company. All other trademarks appearing on the Site are trademarks of their respective owners and our reference to them does not imply or indicate any approval or endorsement by their owners unless such approval or endorsement is expressly made. It is understood that Company provides news and information services and that references to other names and trademarks are necessary in the course of providing news and commentary about the subjects that this site covers. Company will enforce its intellectual property rights to the fullest extent of the law.

If you suspect that any Company content or trademarks are being misused please contact [insert Company email] as soon as possible.

13. NON-WAIVER

The failure of Company to exercise or enforce any right or provision of the Terms shall not constitute a waiver of such right or provision. If any provision of the Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred.

14. HEADINGS FOR CONVENIENCE ONLY

The section titles in the Terms are for convenience only and have no legal or contractual effect.

15. VIOLATIONS

Please report any violations of the Terms to our Customer Service Department.

16.  IDEMNIFICATION

You agree to indemnify, defend and hold Company harmless from any claims and expenses, including reasonable attorneys' fees, arising from or related to any breach by you of any terms of this Agreement.

17. LETTERS OR OTHER SUCH COMMENTS OR MATERIALS

Any comments, materials, or letters sent by you to Company regarding it's sites, including without limitation, questions, comments, suggestions, criticisms or the like ("Received Materials") shall be deemed to be non-confidential and free of any claims of proprietary or personal rights unless you explicitly state in the correspondence that the letter is "not for publication" and contains "private and proprietary" information that may not be distributed. Company shall have no obligation of any kind with respect to such Received Materials and Company will be free to reproduce, use, disclose, exhibit, display, transform, edit, abridge, create derivative works from and/or distribute the Received Materials without limitation or restriction. Furthermore, Company is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Company for any purpose whatsoever, including, but not limited to, developing, manufacturing, and marketing products using such information, without compensation or any other obligations to anyone, including you.

18. PRIVACY

You can read the Company privacy statement here.

19. RESTRICTIONS ON USE

You may not use the Service or its content for any illegal purpose or in any manner inconsistent with these Terms. You agree to use Company sites solely for your own noncommercial use and benefit and not for resale or other transfer or disposition to any other person or entity.  You agree not to reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial purposes, any portion of the Service, use of the Service, or access to the Service.

20. SEVERABILITY

If any provision of this Agreement is found invalid or unenforceable, the provision will be enforced to the maximum extent permissible and the other provisions of this Agreement will remain in force.

21. ENTIRE AGREEMENT

This Agreement and any other terms and conditions of service on this website constitute the entire agreement between you and Company and govern your use of the Service.

22. REFUSAL OR DISCONTINUANCE OF SERVICE

Company reserves the right to refuse or discontinue service to any user for non-compliance with these Terms.

23. CHOICE OF LAW AND FORUM

This Agreement will be governed by the laws of the State of Illinois. Any dispute arising from the terms of this agreement or breach of this agreement will be governed by the laws of the State of Illinois and you agree to personal jurisdiction by the state and federal courts for DuPage County, Illinois. The parties hereby expressly waive trial by jury in any action, proceeding or counterclaim brought by either of the parties against the other on any matters whatsoever arising out of or in any way connected with these Terms and agree to submit to binding arbitration.

I HAVE READ AND UNDERSTAND THIS AGREEMENT AND AGREE TO BE BOUND BY ALL OF ITS TERMS.

24. REFUND POLICY

Once your initial payment has been made, you can not receive a refund for this years access. However, by canceling your account you will deactivate any re-curring billing setup during the registration. For more information regarding this or to speak with our customer service department, please contact us.