You understand and agree that the Site is semi-public and provided to you on an AS IS and AS AVAILABLE basis. We disclaim all responsibility and liability for the availability, timeliness, security or reliability of the Site, the accuracy of any opinion or information contained on the Site, or the availability and reliability of any other software offered by us. The opinions expressed on the Site are not necessarily the opinions of us and may or may not be totally accurate. We also reserve the right to modify, suspend, or discontinue the Site or any software offered on the Site with or without notice at any time and without any liability to you.
1. Intellectual Property Ownership
The Site contain copyrighted material, trademarks and other proprietary information, including comments, articles, information, catalogs, brochures, data, text, software, photos, video and graphics (‘Content’). This Content is subject to copyrights owned by Intersections and other individuals or entities and is protected by United States and international copyright laws.
Additionally, the names, trademarks, service marks, and logos of Intersections belong exclusively to Intersections and are protected from reproduction, imitation, dilution, or confusing or misleading uses under national and international trademark and copyright laws. All other trademarks, service marks, and logos (including third-party product names) are the property of their respective owners. The use or misuse of these trademarks is expressly prohibited and nothing stated or implied on the Site confers on you any license or right under any patent or trademark of Intersections or any third party.
2. Use of Intersections Content
You may use the Site and the Content offered on the Site only for INTERNAL or PERSONAL purposes. Intersections authorizes you to view or download a single copy of the material on the Site solely for your internal or personal use so long as you do not remove the copyright and other proprietary rights notices that were contained in the Content. You may not use the Site to sell a product or service; however, you may use them to obtain information about potentially engaging in business with us. You may not modify, publish, transmit, display, participate in the transfer or sale, create derivative works, or in any way exploit the Content of the Site or any portion of such Content. You may not use any data mining, robots, or similar data gathering and extraction tools on the Content, frame any portion of the Site or Content, or reproduce, reprint, copy, store, publicly display, broadcast, transmit, modify, translate, port, publish, sublicense, assign, transfer, sell, loan, or otherwise distribute the Content without our prior written consent. You may not circumvent any mechanisms included in the Content for preventing the unauthorized reproduction or distribution of the Content.
3. Contributor Disclosure
Certain contributors on the Site are compensated to provide content on topics of interest to the Site’s users. Contributions that contain endorsements of Intersections products or services and are made by individuals with material connections to Intersections will be identified as such. While such contributors may receive compensation, the content is editorial and based on their opinions, findings, beliefs, or experiences on those topics, services, or products.
The views and opinions expressed within Intersections’ blogs belong purely to the authors. Any product, claim, statistic, quote, or other representation about a product or service should be verified with the manufacturer, provider, or party in question.
4. User Submissions, Forums, and Public Areas
Certain places within the Site, such as forums, blog pages or other public areas, may allow users to post comments or communications that are publicly accessible and non-confidential. The content and communications posted within these areas is largely controlled by our users. Intersections, or the party hosting such a public area, has no control over such content and cannot guarantee the accuracy or reliability of any such content or communications. Thus, the responsibility for what is posted on these pages of the Site lies with each user — you alone are responsible for material you post.
Neither Intersections nor any third-party host of such a public area claims ownership of any of the information or material that you transmit, distribute, post, communicate, or store on, to, or through the Site. Therefore, by submitting any such material or communication to the Site, you warrant that you own or otherwise control all the rights to any content or communications submitted by you to the Site and that you will not upload or transmit any communications or content of any type that infringes upon or violates any rights of any party. By submitting communications or content to any part of the Site, you agree that such submission is non-confidential and is not otherwise protected by any other law, including privacy, publicity, copyright or trademark law.
5. User Conduct
- Attempting to gain unauthorized access to the Site, or any account, computer system, or network connected to the Site, by means such as hacking, password mining or other illicit means;
- Posting material that contains your full name(s), or any other confidential identifiable information of yourself or others;
- Using a public area for any purpose in violation of local, state, federal, or international laws;
- Posting material that infringes on the rights of others, including copyrights, trademarks, trade secrets, publicity or privacy rights;
- Posting material that is unlawful, obscene, derogatory, defamatory, threatening, harassing, abusive, slanderous, hateful, or embarrassing to any other person or entity as determined by Intersections in its sole discretion;
- Posting advertisements, solicitations or spam links to other websites or individuals, without prior written permission from Intersections ;
- Posting chain letters or pyramid schemes;
- Impersonating another business, person or entity, including Intersections , its related entities, employees and agents;
- Registering under more than one name and/or e-mail address;
- Distributing viruses or other harmful computer code;
- Harvesting or otherwise collecting information about others, including email addresses, without their consent;
- Allowing any other person or entity to use your identification for posting or viewing comments;
- Posting any communications that victimizes, harasses, degrades, or intimidates an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age or disability;
- Engaging in any other conduct that restricts or inhibits any other person from using or enjoying the public area or the Site, or which, in the judgment of Intersections , exposes Intersections or any of its customers, partners or suppliers to any liability or detriment of any type; and/or
- After receiving a warning, continuing to disrupt the normal flow of dialogue, or posting comments that are not related to the topic being discussed (unless it is clear the discussion is free-form).
Notwithstanding this right of ours, users shall remain solely responsible for the content of their messages. You acknowledge and agree that neither us nor any of our affiliates shall assume or have any liability for any action or inaction by us with respect to any conduct within the Site or any communication or posting on the Site.
6. License Grant for Submitted Content
If you make any submission to or communications on the Site, you automatically grant, or warrant that the owner of such content has expressly granted Intersections, a royalty-free, perpetual, irrevocable, worldwide, unlimited, nonexclusive license to use, reproduce, create derivative works from, modify, publish, edit, translate, distribute, perform, and display the communication or content material in any media or medium, or any form, format, or forum now known or hereafter developed. Intersections may sublicense its rights through multiple tiers of sublicenses.
7. User Responsibilities
You are responsible for obtaining access to the Site, and that access may involve third-party fees (such as Internet service, mobile airtime, or mobile data charges). You are responsible for those fees and any equipment necessary to access the Site.
8. Disclaimer of Warranties
THE SITE AND THE CONTENT ON THE SITE ARE PROVIDED ‘AS IS.’ INTERSECTIONS MAKES NO REPRESENTATION OR WARRANTY OF ANY KIND WHATSOEVER TO YOU OR ANY OTHER PERSON RELATING IN ANY WAY TO THE SITE OR THE CONTENT OR COMMUNICATIONS ON THE SITE, OR ANY WEBSITE OR OTHER CONTENT OR SERVICE THAT MAY BE ACCESSIBLE DIRECTLY OR INDIRECTLY THROUGH THE SITE, TO THE EXTENT PERMITTED BY LAW. INTERSECTIONS DISCLAIMS IMPLIED WARRANTIES THAT THE SITE AND ALL SOFTWARE, CONTENT AND SERVICES, INFORMATION DISTRIBUTED THROUGH THE SITE ARE MERCHANTABLE, OF SATISFACTORY QUALITY, ACCURATE, TIMELY, FIT FOR A PARTICULAR PURPOSE OR NEED, OR NON-INFRINGING. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY INTERSECTIONS OR A REPRESENTATIVE SHALL CREATE A WARRANTY.
When using the Site, information will be transmitted over a medium which is beyond the control and jurisdiction of Intersections, its partners, advertisers, and sponsors. Accordingly, Intersections assumes no liability for or relating to the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of the Site. WE DO NOT GUARANTEE THAT THE SITE WILL MEET YOUR REQUIREMENTS, OR THAT THEY ARE ERROR-FREE, RELIABLE, WITHOUT INTERRUPTION OR AVAILABLE AT ALL TIMES. WE DO NOT GUARANTEE THAT THE SERVICES THAT MAY BE OBTAINED FROM THE USE OF THE SITE, INCLUDING ANY SUPPORT SERVICES, WILL BE EFFECTIVE, RELIABLE, AND ACCURATE OR MEET YOUR REQUIREMENTS. WE DO NOT GUARANTEE THAT YOU WILL BE ABLE TO ACCESS OR USE THE SITE (EITHER DIRECTLY OR THROUGH THIRD-PARTY NETWORKS) AT ALL TIMES OR LOCATIONS OF YOUR CHOOSING.
FURTHER, INTERSECTIONS DOES NOT ENDORSE AND MAKES NO WARRANTY REGARDING THE ACCURACY OR RELIABILITY OF ANY OPINION, INFORMATION, ADVICE OR STATEMENT ON THE SITE. UNDER NO CIRCUMSTANCES WILL INTERSECTIONS BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON INFORMATION OBTAINED THROUGH THE CONTENT ON THE SITE. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION, OPINION, ADVICE OR OTHER CONTENT AVAILABLE THROUGH THE SITE. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC INFORMATION, OPINION, ADVICE OR OTHER CONTENT ON THE SITE.
9. Limitation of Liability
In no event shall Intersections , its affiliates, partners, sponsors, advertisers, agents or licensors, or any third parties mentioned on the Site be liable for any damages (including, without limitation, incidental, consequential or other indirect damages, personal injury/wrongful death, lost profits, or damages resulting from lost data or business interruption) resulting from the use or inability to use the Site, whether based on warranty, contract, tort, or any other legal theory, and whether or not Intersections is advised of the possibility of such damages. Intersections is not liable for any personal injury, including death, caused by your use or misuse of the Site or Content, or public areas.
10. Export Control
You acknowledge that the Site includes encryption software that may be subject to export and/or use controls. Accordingly, you may not use, download or otherwise export or re-export the software except as authorized by United States law and the laws of the jurisdiction in which the software was obtained. In particular, but without limitation, the software may not be exported or re-exported (a) into any U.S. embargoed countries (Countries listed in Part 746 of the EAR as embargoed destinations currently include Cuba, Iran, North Korea, Sudan, and Syria) or (b) to anyone on the U.S. Treasury Department’s list of Specially Designated Nationals or the U.S. Department of Commerce Denied Person’s List or Entity List. By using the site or any software, you represent and warrant that you are not located in any such country or on any such list. You also agree that you will not use this Site or software for any purposes prohibited by United States law, including, without limitation, the development, design, manufacture or production of nuclear, missiles, or chemical or biological weapons.
By using the Site you agree to indemnify and hold Intersections , its officers, directors, employees, affiliates, agents, attorneys, representatives and members harmless from any and all losses, damages, liabilities, claims, demands, suits, or causes of action (including reasonable attorneys’ fees and costs) arising from your use or misuse of the Site.
Registration as a user or subscriber with the Site may require both a user name and a password, and certain portions of the Site may require use of multiple one time or persistent passwords. You should consider your user names and passwords as confidential information. Anyone with knowledge of both your user name and password can gain access to the restricted portions of the Site and to your account. You must keep your user name and password confidential. You shall immediately notify us if you become aware of any loss or theft of your password or any unauthorized use of your user name and password. WE SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR FAILURE TO COMPLY WITH THESE OBLIGATIONS. We reserve the right to delete or change a user name or password at any time and for any reason.
14. Children and Teens
The Site is not intended for use by persons under the age of 18. By submitting information to the Site, you warrant that you are at least 18 years old or older.
15. Third-Party Content and Links to External Websites
The Site may contain content from third parties and links to third-party websites. We are not responsible for the availability of these external sites nor do we endorse or review the activities or services provided by these websites. Under no circumstances shall we be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused to a user in connection with the use of or reliance on any content, goods or services available on such external websites.
16. Procedure for Making a Claim of Copyright Infringement
We respect the intellectual property of others. If you believe that your work has been copied and is accessible on the Site in a way that constitutes copyright infringement, please follow the instructions below on how to contact us to report possible copyright infringement.
Please provide the following information to our Copyright Agent:
- an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
- a description of the copyrighted work that you claim has been infringed;
- a description of where the material that you claim is infringing is located on the Site;
- your address, telephone number, and email address;
- a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
- a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.
17. Limitation on Lawsuits; Binding Arbitration; & Waiver of Jury Trial
Effective Date: 02/18/2014