Terms of Use

WEBSITE TERMS AND CONDITIONS OF USE

CONSENT TO THESE WEBSITE TERMS AND CONDITIONS OF USE

Please read these Website Terms and Conditions of Use (“Terms”) of Use carefully as they govern the your use of this website, and all the pages contained therein (the “Website”). If you use access, view or input information into this website, or if you use any of the services, links or information provided on this Website, you expressly consent to these Terms and you consent to be legally bound by them. If you do not agree or consent to be bound by these Terms, please terminate your browser session or navigate away from this Website.

Advisory may revise and update these Terms of Use from time to time, in its sole discretion. All changes are effective immediately when posted and apply to all access to and use of the Website thereafter. Your continued use of the Site following the posting of revised Terms of Use means that you accept and agree to the changes.

CONTENT WHICH APPEARS ON THIS WEBSITE

The information, documents, links, materials, content, documents, system access and other materials that appear on this website shall be referred to as the “Materials”.

Purpose and Use of Materials

The Materials on this Website are provided by Advisory for general informational purposes only. As a result, they may not fully describe the products or services referenced therein, and may not contain all of the terms, conditions, exclusions, or applicable guidelines which apply to the content presented. The Materials on this website are not intended to constitute a solicitation or offer for sale, unless specifically indicated otherwise.

Availability of Materials

Advisory makes no representation or guarantee regarding the ongoing availability of the products and services presented in these Materials, or your ability to qualify for any particular product or service. This Website is controlled and operated by Advisory from within the United States. The products or services listed in the Materials may not be available in all states, territories or jurisdictions of the United States of America, and are not offered internationally.

Modifications to Materials

The Materials which appear on this website are subject to withdrawal, modification, revision or updates by Advisory without notice at any time.

Questions Relating to Materials

Any questions relating to the availability or use of the products and services which are contained in these Material should be directed to the applicable service or product provider and/or an individual or entity bearing an appropriate licensure to discuss such product or service.

Website Not Intended for Use Where Illegal

Any use and or access to this Website by you from territories, states, or geographical areas where the content or Materials are illegal is prohibited.

INTELLECTUAL PROPERTY

Definition of Intellectual Property

For the purpose of these Terms, all content, Materials, branding, logos, brand or service marks which appear on this Website shall be referred to as “Intellectual Property”. “Intellectual Property” as used herein shall also include this Website and the content presented therein, including its, functionality, layout, audio, visual, imagery, software, tests, visuals, and elements pertaining to the presentation of the Website’s content.

Ownership of Intellectual Property

The Intellectual Property which appears on this Website is owned by Advisory, its agents, licensors or providers unless otherwise indicated. Materials which appear on behalf of any other company, service provider, brand or operation are owned by that respective entity, and used with permission.

The Intellectual Property which appears on this Website is protected by U.S. copyright law, and all other state or federal laws. The unauthorized use, reproduction, tampering with or removal of any of Advisory’s Intellectual Property, is strictly prohibited. Advisory’s Intellectual Property may not be used unless prior written consent is obtained from Advisory.

ACCESS TO AND USE OF THIS WEBSITE

License to Use Materials

Advisory grants you a non-exclusive, temporary, non-transferable license to use the Materials which appear on this Website. You may not use this Website in any way which Advisory deems contrary to its intended purpose or contrary to the interests of Advisory. Advisory may revoke your license to use this Website and the Materials presented therein at any time with or without notice to you. The decision to revoke your license is wholly within Advisory’s discretion and includes but is not limited to your failure to abide by these Terms, misuse of this Website or the Materials presented therein, or Advisory’s Privacy Policy which appears on this Website.

Content Posted By Others

Advisory is not responsible for, does not own, and shall not be liable for the contents of information, messages or other content posted to the Website by visitors, posted at the request of outside entities including but not limited to advertising partners or third party review services, or by employees of Advisory who post material in their capacity as a private individual outside the scope of their employment with Advisory. Opinions or comments contained in such items reflect the views of the author and not of Advisory.

Communicating with this Website

We do not solicit, request or collect personal information, nonpublic personal information or contact from Website Visitors. Except as set forth Advisory’s Privacy Policy located on this Website, other specific terms and conditions applicable to using other platforms or means of communication with Advisory which may conflict with these Terms, or as required by applicable privacy laws, if you do elect to communicate with Advisory via the Website or by email, phone, or other electronic or digital means of communication, you acknowledge that the information contained in your communication shall not be considered confidential. Advisory shall be free to disclose or otherwise use any information you transmit in your communication without any liability or limitation. If you provide a telephone number to Advisory, you expressly consent to Advisory using it for these purposes regardless of whether that information appears on the national Do Not Call Registry.

Use of the Internet

You agree by visiting this Website that your use of the internet is solely at your own risk, and that such use is subject to all applicable international, national and state laws and regulations governing your use. You agree not to tamper with any security measures or protocols which Advisory has put in place for this Website. Advisory does not guarantee the confidentiality of any communication or material transmitted to or from Advisory using this Website, other websites, email providers, or electronic means, and this includes but is not limited to the transmission of nonpublic personal information. Advisory is not liable for any loss caused by or resulting from any source, individual(s), entity or other third-parties which Advisory does not directly control. This includes but is not limited to the failure of electronic or mechanical equipment or communication lines, telephone failure, connection problems, computer viruses, unauthorized access, theft, operator errors, severe weather or other force majeure event, strikes, labor problems, governmental shutdowns or governmental restrictions.

INFORMATION WE COLLECT

No Collection or Sale of Personal Information

We do not maintain or sell personal information from our Website visitors. For the purpose of these Terms and Conditions, identify, describe, or are reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. As a result, we request that you do not contact us or otherwise transmit to us any personal information.

We do collect certain information using cookies on this website. Please refer to our Privacy Policy for more information about the information we do collect in that way.

Cookies and Website Functionality

This Website may use cookies. Cookies are pieces of information that many websites store to an individual’s web browser in order to distinguish visitors to a website. Please refer to our Privacy Policy for more information.

Your website browser, or the device you use to operate that browser may allow you to refuse or delete cookies. Refusing or deleting cookies may affect website functionality for some users.

Information You Provide to Advisory

Advisory does not solicit the submission of information from its visitors. You may access and use the Website without providing any personal information to Advisory. This Website does not offer any access or services which require Website visitors to submit information, subscribe or pay.

However, if you contact Advisory and willingly provide any personal information, we may keep a record of that communication for legal, business or recordkeeping purposes. By providing us with any information, you consent to such use by Advisory, and acknowledge that the information you provide shall not be considered confidential.

DISCLAIMER OF WARRANTY AND LIMITATION OF LIABILITY

USE OF THIS WEBSITE IS ENTIRELY AT YOUR OWN RISK. IN NO EVENT SHALL ADVISORY BE LIABLE TO YOU, OR TO ANY THIRD PARTIES, FOR ANY DAMAGES YOU OR A THIRD-PARTY MAY SUSTAIN DUE TO YOUR USE OR INABILITY TO USE THE WEBSITE OR ANY MATERIALS, EVEN IF ADVISORY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. ADVISORY SHALL NOT BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOST REVENUES OR LOST PROFITS, WHICH MAY RESULT FROM THE USE OF, ACCESS TO, OR INABILITY TO USE THESE MATERIALS. UNDER NO CIRCUMSTANCES WILL THE TOTAL LIABILITY OF ADVISORY TO YOU EXCEED THE PRICE PAID FOR USE OF THE WEBSITE.

THE WEBSITE AND MATERIALS ARE PROVIDED “AS IS.” THE INFORMATION PRESENTED ON OR THROUGH THE WEBSITE IS MADE AVAILABLE FOR GENERAL INFORMATIONAL PURPOSES ONLY AND ADVISORY DOES NOT WARRANT THE ACCURACY, COMPLETENESS OR USEFULNESS OF THIS INFORMATION.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ADVISORY DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

ADVISORY DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE WEBSITE OR ANY MATERIALS WILL MEET ANY REQUIREMENTS OR NEEDS YOU MAY HAVE. ADVISORY DOES NOT WARRANT THAT THE FUNCTIONS, OR THAT THE WEBSITE OR ANY MATERIALS WILL OPERATE IN AN ERROR-FREE OR UNINTERRUPTED FASHION, OR THAT ANY DEFECTS OR ERRORS IN THE WEBSITE OR MATERIALS WILL BE CORRECTED. SOME JURISDICTIONS DO NOT ALLOW THE WAIVER OR EXCLUSION OF IMPLIED WARRANTIES; IF YOUR USE OF THIS WEBSITE IS GOVERNED BY OR SUBJECT TO THE LAWS OF SUCH A JURISDICTION, IT MAY NOT APPLY TO YOU.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless Advisory, as well as its respective directors, officers, employees, representatives, owners, members, affiliates, agents, predecessors, successors, assigns, and attorneys from and against any and all claims, proceedings, damages, injuries, liabilities, losses, fees, costs, and expenses (including attorneys’ fees and litigation expenses) relating to or arising from your use of the Website, any breach by you of these Terms, any breach by you of the Privacy Policy, your negligent or intentional acts, errors or omissions in regard to the subject matter of these Terms, or your failure to comply with applicable laws.

GOVERNING LAW AND JURISDICTION

These Terms are governed by the laws of the State of Delaware without regard to that state’s principles of conflicts of laws. You consent to the jurisdiction of the federal and state courts in Delaware, and irrevocably agree to accept service of process by mail, and hereby waive any and all jurisdictional and venue defenses otherwise available. Those who choose to access this Website from other locations do so of their own volition, agree to use the Website only for lawful purposes, and are responsible for compliance with applicable laws.