Terms & Conditions of Service

1. ACCEPTANCE OF TERMS
Welcome to Financial Help Desk. Financial Help Desk, (“FHD”), provides its service to you, subject to the following Terms and Conditions of Service (“TOCS”), which may be updated by us from time to time without notice to you. You can review the most current version of the TOCS at any time at the FinancialHelpDesk Help Center. In addition, when using particular FHD services, you and FHD shall be subject to any posted guidelines or rules applicable to such services which may be posted from time to time. All such guidelines or rules are hereby incorporated by reference into the TOCS.

2. DESCRIPTION OF SERVICE
FHD currently provides users with access to a rich collection of on-line resources, various communications tools, online forums, shopping services, personalized content and branded programming through its network of properties (the “Service”). Unless explicitly stated otherwise, any new features that augment or enhance the current Service, including the release of new FHD properties, shall be subject to the TOCS. You understand and agree that the Service is provided “AS-IS” and that FHD assumes no responsibility for the timeliness, deletion, mis-delivery or failure to store any user communications or personalization settings. In order to use the Service, you must obtain access to the World Wide Web, either directly or through devices that access web-based content, and pay any service fees associated with such access. In addition, you must provide all equipment necessary to make such connection to the World Wide Web, including a computer and modem or other access device.

3. YOUR REGISTRATION OBLIGATIONS
In consideration of your use of the Service, you agree to: (a) provide true, accurate, current and complete information about yourself as prompted by the Service’s registration form (such information being the “Registration Data”) and (b) maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or FHD has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, FHD has the right to suspend or terminate your account and refuse any and all current or future use of the Service (or any portion thereof).

4. FHD PRIVACY POLICY
Registration Data and certain other information about you is subject to our Privacy Policy. For more information, please see our full privacy policy at our help center.

5. MEMBER ACCOUNT, PASSWORD AND SECURITY
You will receive a password and account designation upon completing the Service’s registration process. You are responsible for maintaining the confidentiality of the password and account, and are fully responsible for all activities that occur under your password or account. You agree to (a) immediately notify FHD of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you exit from your account at the end of each session. FHD cannot and will not be liable for any loss or damage arising from your failure to comply with this Section 5.

6. MEMBER CONDUCT
You understand that all information, data, text, software, music, sound, photographs, graphics, video, messages or other materials (“Content”), whether publicly posted or privately transmitted, are the sole responsibility of the person from which such Content originated. This means that you, and not FHD, are entirely responsible for all Content that you upload, post, email or otherwise transmit via the Service. Other than FHD Online, FHD does not control the Content posted via the Service and, as such, does not guarantee the accuracy, integrity or quality of such Content. You understand that by using the Service, you may be exposed to Content that is offensive, indecent or objectionable. Under no circumstances will FHD be liable in any way for any Content, including, but not limited to, for any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of the use of any Content posted, emailed or otherwise transmitted via the Service.

You agree to not use the service for:
Abusing or deriding anyone.
Upload, post, email or otherwise transmit any Content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable.
Harm minors in any way.
Impersonate any person or entity, including, but not limited to, a FHD official, forum leader, guide or host, or falsely state or otherwise misrepresent your affiliation with a person or entity.
Forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the Service.
Upload, post, email or otherwise transmit any Content that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements).
Upload, post, email or otherwise transmit any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights (“Rights”) of any party.
Upload, post, email or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation, except in those areas (such as shopping rooms) that are designated for such purpose.
Disrupt the normal flow of dialogue, cause a screen to “scroll” faster than other users of the Service are able to type, or otherwise act in a manner that negatively affects other users’ ability to engage in real time exchanges.
Interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service.
Intentionally or unintentionally violate any applicable local, state, national or international law.
“Stalk” or otherwise harass another; or
Collect or store personal data about other users.
You acknowledge that FHD does not pre-screen Content, but that FHD and its designees shall have the right (but not the obligation) in their sole discretion to refuse or move any Content that is available via the Service. Without limiting the foregoing, FHD and its designees shall have the right to remove any Content that violates the TOCS or is otherwise objectionable. You agree that you must evaluate, and bear all risks associated with, the use of any Content, including any reliance on the accuracy, completeness, or usefulness of such Content. In this regard, you acknowledge that you may not rely on any Content created by FHD or submitted to FHD including, without limitation, information in FHD Message Boards, chat rooms, and in all other parts of the Service.
You acknowledge and agree that FHD may preserve Content and may also disclose Content if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process; (b) enforce the TOCS; (c) respond to claims that any Content violates the rights of third-parties; or (d) protect the rights, property, or personal safety of FHD, its users and the public.
You understand that the technical processing and transmission of the Service, including your Content, may involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.

7. FEES AND PAYMENTS
FHD reserves the right at any time to charge fees for access to portions of the Service or the Service as a whole. However, in no event will you be charged for access to the Service unless we obtain your prior agreement to pay such charges. Thus, if at any time FHD requires a fee for portions of the Service that are now free (e.g., a domestic subscription fee), FHD will give you advance notice of such fees and the opportunity to cancel the account before such charges are imposed. All new fees, if any, will be posted on the site and in other appropriate locations on the Service. You shall pay all fees and charges 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 Service by FHD or by any other vendor or service provider. All fees and charges shall be billed to and paid for by you. You shall pay all applicable taxes relating to use of the Service through your account.

8. SPECIAL ADMONITIONS FOR INTERNATIONAL USE
Recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct and acceptable Content. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.

9. PUBLIC CONTENT POSTED TO FHD
(a) For purposes of the TOCS, “publicly accessible areas of the Service” are those accessible by the general public. By way of example, a publicly accessible area of the Service would include public FHD message boards, and chat rooms but would not include private FHD communication services such as FHDMail.
(b) With respect to all other Content you elect to post to other publicly accessible areas of the Service, you grant FHD the royalty-free, perpetual, irrevocable, non-exclusive and fully sublicensable right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and display such Content (in whole or part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed.

10. INDEMNITY
You agree to indemnify and hold FHD, and its subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of Content you submit, post to or transmit through the Service, your use of the Service, your connection to the Service, your violation of the TOCS, or your violation of any rights of another.

11. NO RESALE OF SERVICE
You agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion of the Service, use of the Service, or access to the Service.

12. GENERAL PRACTICES REGARDING USE AND STORAGE
You acknowledge that FHD may establish general practices and limits concerning use of the Service, including without limitation the maximum number of days that FHD Online articles, email messages, message board postings or other uploaded Content will be retained by the Service, the maximum number of email messages that may be sent from or received by an account on the Service, the maximum size of any email message that may be sent from or received by an account on the Service, the maximum disk space that will be allotted on FHD’s servers on your behalf, and the maximum number of times (and the maximum duration for which) you may access the Service in a given period of time. You agree that FHD has no responsibility or liability for the deletion or failure to store any messages and other communications or other Content maintained or transmitted by the Service. You acknowledge that FHD reserves the right to log off accounts that are inactive for an extended period of time. You further acknowledge that FHD reserves the right to change these general practices and limits at any time, in its sole discretion, with or without notice.

13. MODIFICATIONS TO SERVICE
FHD 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 FHD shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service. Notwithstanding the foregoing, in the event that your Service is terminated and you have a paid subscription to FHD Online, you will be credited for the balance remaining on your subscription as of the date of termination.

14. TERMINATION
You agree that FHD, in its sole discretion, may terminate your password, account (or any part thereof) or use of the Service, including FHD Online subscriptions, and remove and discard any Content within the Service, for any reason, including, without limitation, if FHD believes that you have violated or acted inconsistently with the letter or spirit of the TOCS. FHD may also in its sole discretion and at any time discontinue providing the Service, or any part thereof, with or without notice. You agree that any termination of your access to the Service under any provision of this TOCS may be effected without prior notice, and acknowledge and agree that FHD may immediately deactivate or delete your account and all related information and files in your account and/or bar any further access to such files or the Service. Further, you agree that FHD shall not be liable to you or any third-party for any termination of your access to the Service, other than in the case of paid subscribers to Financial Help Desk magazine, who will be credited for the balance remaining on their subscription as of the date of termination

15. DEALINGS WITH ADVERTISERS
Your correspondence or business dealings with, or participation in promotions of, 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 advertiser. You agree that FHD 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 advertisers on the Service.

16. LINKS
The Service may provide, or third parties may provide, links to other World Wide Web sites or resources. Because FHD has no control over such sites and resources, you acknowledge and agree that FHD 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, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that FHD 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.

17. FHD’S PROPRIETARY RIGHTS
You acknowledge and agree that the Service and any necessary software used in connection with the Service (“Software”) contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that Content contained in sponsor advertisements or information presented to you through the Service, including the content of FHD Online, is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorized by FHD or advertisers, you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Service, FHD Online or the Software, in whole or in part.

FHD grants you a personal, non-transferable and non-exclusive right and license to use the object code of its Software on a single computer; provided that you do not (and do not allow any third party to) copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Software. You agree not to modify the Software in any manner or form, or to use modified versions of the Software, including (without limitation) for the purpose of obtaining unauthorized access to the Service. You agree not to access the Service by any means other than through the interface that is provided by FHD for use in accessing the Service.

18. FHD ONLINE CONTENT AND SUBSCRIBER SUBMISSIONS
18.1 The contents of FHD Online are intended for your personal, noncommercial use. All materials published in FHD Online (including, but not limited to news articles, photographs, images, illustrations, audio clips and video clips, also known as the “FHDO Content”) are protected by copyright, and owned or controlled by FHD, or the party credited as the provider of the FHDO Content. You shall abide by all additional copyright notices, information, or restrictions contained in any FHDO Content accessed through the Service.
18.2 The Service and its FHDO Contents are protected by copyright pursuant to U.S. and international copyright laws. You may not modify, publish, transmit, participate in the transfer or sale of, reproduce, create new works from, distribute, perform, display, or in any way exploit, any of the FHDO Content or the Service (including software) in whole or in part.
18.3 You may download or copy the FHDO Content and other downloadable items displayed on the Service for personal use only, provided that you maintain all copyright and other notices contained therein. Copying or storing of any FHDO Content for other than personal use is expressly prohibited without prior written permission from FHD, or the copyright holder identified in the copyright notice contained in the FHDO Content.

19. DISCLAIMER OF WARRANTIES
YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. FHD 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.
FHD 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 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, AND (V) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED.
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.
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM FINANCIALHELPDESK OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TOCS.
20. LIMITATION OF LIABILITY
YOU EXPRESSLY UNDERSTAND AND AGREE THAT FHD 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 FHD 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.

21. 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 19 AND 20 MAY NOT APPLY TO YOU.

22. NOTICE
Notices to you may be made via either email or regular mail. The Service may also provide notices of changes to the TOCS or other matters by displaying notices or links to notices to you generally on the Service.

23. TRADEMARK INFORMATION
Financial Help Desk, FinancialHelpDesk.com, FinancialHelpDesk.net, FinancialHelpDesk.org and FinancialHelpDesk Online and other Financial Help Desk logos and product and service names (collectively the “Trademark”) displayed on this Web Site are registered and unregistered trademarks of Financial Help Desk its affiliates and others.
Nothing contained on this Web Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on this Web Site without the written permission of Financial Help Desk or such third party that may own the trademark displayed on this Web Site. Your misuse of the Trademark(s) displayed on this Web Site, or any other content on this Web Site, except as provided herein, is strictly prohibited.

24. GENERAL INFORMATION
The TOCS constitute the entire agreement between you and FHD and govern your use of the Service, superseding any prior agreements between you and FHD. You also may be subject to additional terms and conditions that may apply when you use affiliate services, third-party content or third-party software. The TOCS and the relationship between you and FHD shall be governed by the laws of the State of California without regard to its conflict of law provisions. You and FHD agree to submit to the personal and exclusive jurisdiction of the courts located within the county of Santa Clara, California. The failure of FHD to exercise or enforce any right or provision of the TOCS shall not constitute a waiver of such right or provision. If any provision of the TOCS 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 TOCS remain in full force and effect.
The section titles in the TOCS are for convenience only and have no legal or contractual effect.

25. VIOLATIONS
Please report any violations of the TOCS to our Customer Service department