TERMS OF USE

1. Eligibility

You must be at least 13 years old (or the minimum digital-consent age in your state) to use the Site. By using the Site, you represent that you meet this requirement.

2. Changes to the Terms

We may modify these Terms at any time. Material changes will be posted on this page with a new “Last Updated” date. Continued use of the Site after changes means you accept the revised Terms.

3. Intellectual-Property Rights

All text, graphics, logos, photographs, audio, video and code on the Site are owned by or licensed to us and protected under U.S. and international laws. You may view or print a single copy for personal, non-commercial use, but you may not reproduce, distribute, modify, display, perform, publish or create derivative works from any part of the Site without prior written consent.

4. User-Generated Content

You are solely responsible for comments, links, files or other materials you post (“User Content”). By submitting User Content you grant us a worldwide, perpetual, irrevocable, royalty-free license to use, reproduce, modify, display, distribute and create derivative works from that content in any media. Do not submit content that is unlawful, defamatory, infringing, obscene, hateful or otherwise objectionable.

5. Prohibited Conduct

• Violate any applicable law, regulation or third-party right.
• Upload viruses, malware or other harmful code.
• Engage in scraping, data-mining, automated access or denial-of-service attacks.
• Interfere with the proper functioning or security of the Site.
• Impersonate any person or misrepresent your affiliation.

6. News-Content Disclaimer

THE SITE PROVIDES NEWS AND INFORMATION FOR GENERAL INFORMATIONAL PURPOSES ONLY. WE DO NOT WARRANT THE COMPLETENESS, TIMELINESS, ACCURACY OR RELIABILITY OF ANY CONTENT. ALL OPINIONS EXPRESSED ARE THOSE OF THE AUTHORS AND NOT NECESSARILY OURS. YOU RELY ON THE CONTENT AT YOUR OWN RISK.

7. No Professional or Legal Advice

Nothing on the Site constitutes legal, financial, medical or other professional advice. Always seek independent professional guidance for your particular circumstances.

8. Third-Party Links

The Site may contain links to third-party websites. We are not responsible for the content, policies or practices of those sites. Access them at your own risk.

9. Disclaimer of Warranties

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND TITLE. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE OR ERROR-FREE.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE. OUR TOTAL LIABILITY FOR ALL CLAIMS SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100).

11. Indemnification

You agree to defend, indemnify and hold harmless us and our affiliates from any claims, damages, losses, liabilities, costs and expenses (including reasonable attorneys’ fees) arising out of or relating to your use of the Site, your User Content, or your violation of these Terms.

12. DMCA / Copyright Infringement

If you believe material on the Site infringes your copyright, send a notice to our Designated Agent at [email protected] with “DMCA Notice” in the subject line, containing all information required by 17 U.S.C. § 512(c)(3).

13. Governing Law & Venue

These Terms are governed by the laws of the State of New York and applicable U.S. federal law. Any dispute shall be resolved exclusively in the state or federal courts located in New York County, New York, and you consent to their jurisdiction.

14. Termination

We may suspend or terminate your access to the Site at any time, with or without notice, for any reason, including violation of these Terms.

15. Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect.

16. Entire Agreement

These Terms constitute the entire agreement between you and us regarding the Site and supersede all prior or contemporaneous understandings.

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