Please read the following carefully before accessing and/or using any part of the site.

By accessing this web site (, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trademark law. You affirm that you are more than 13 years of age, and are fully able and competent to enter into the Terms.


The materials on web site is provided “as is”. makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its web site or otherwise relating to such materials or on any sites linked to this site.


In no event shall its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Internet site, even if or a authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you. In such cases, the liability of shall be limited to the greatest extent permitted by law.

Content accepts no responsibility or liability for the images, content, and or links posted on this site by users. You shall not upload, post or otherwise make available any material protected by copyright, trademark or other proprietary right without the express permission of the owner of the copyright, trademark or other proprietary right. It is your responsibility to obtain any authorization required to use any image or content. has not reviewed all of the images, content, and or sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by of the site. Use of any such linked web site is at the user’s own risk. maintains the right to edit or delete any content it deems at its sole discretion. website shall be used for lawful purposes only.

Use of Our Services Is for Informational Purposes Only

You are Responsible for Your Financial Decisions. Our Services are intended only to assist you with financial decisions, are broad in scope, and do not consider your personal financial situation. Your personal financial situation is unique and the information and advice may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, we recommend that you obtain additional information and advice of your accountant and other financial advisors who are fully aware of your individual circumstances.

Revisions And Errata

The materials appearing on web site could include technical, typographical, or photographic errors. does not warrant that any of the materials on its web site are accurate, complete, or current. may make changes to the materials contained on its web site at any time without notice. does not, however, make any commitment to update the materials.

Disclosure does not receive compensation from brands. may get a commission for items purchased from the external links that accompany products. This commission does not cost users anything and is paid by the merchant.

Modifications may revise these terms of use for its web site at any time without notice. By using this web site, you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

Governing Law

Any claim relating to web site shall be governed by the laws without regard to its conflict of law provisions.

Privacy receives and stores information you enter on our website or provide to us in any other way. This includes but is not limited to registration and profile information, IP addresses, referral pages, service behavior, and traffic data. We do not track your information or behavior on any third-party locations or services unrelated to our website. We do not sell or rent any of your personally identifying data to third parties. uses precautions to keep our data secure but is not responsible for any breach of security.

Log Files

Like many other Web sites, makes use of log files. The information inside the log files includes internet protocol (IP) addresses, type of browser, Internet Service Provider (ISP), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.

Cookies And Web Beacons does use cookies to store information about visitors’ preferences, record user-specific information on which pages the user access or visit, customize Web page content based on visitor’s browser type or other information that the visitor sends via their browser.

Doubleclick Dart Cookie

Google, as a third-party vendor, uses cookies to serve ads on Google’s use of the DART cookie enables it to serve ads to users based on their visit to and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at has no access to or control over these cookies that are used by third-party advertisers.

You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. Privacy Policy does not apply to, and we cannot control the activities of, other advertisers or web sites.

If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers’ respective websites.

Copyright and DMCA Policy respects the content ownership rights of others and expects the same from its users. In compliance with all applicable copyright laws, and in alignment with the Digital Millennium Copyright Act of 1998 (DMCA), it is our right and policy to edit or delete at our discretion any user content that infringes copyright and intellectual property law. reserves the right to terminate the account of any user who repeatedly infringes, or is charged with the infringement of intellectual property rights or copyrights of others.

The Digital Millennium Copyright Act of 1998 may be accessed at

Our Intellectual Property Rights

Our names, graphics, logos, page headers, button icons, scripts, and service names are our trademarks or trade dress in the United States and/or other countries (collectively, the “Proprietary Marks”). You may not use the Proprietary Marks without our prior written permission. We make no proprietary claim to any third-party names, trademarks or service marks appearing on our Services. Any third-party names, trademarks, and service marks are property of their respective owners.

Website Content

All users adding content to agree to provide a non-exclusive license for other users to use, modify, reproduce, distribute, prepare derivative works of, and display their content as permitted through the functionality of the Services and under this Agreement. Furthermore, retains the right to reformat, modify, create derivative works of, excerpt, and translate any User Submissions submitted by you.

All information publicly posted or privately transmitted through is the sole responsibility of the person from which such content originated and will not be liable for any errors or omissions in any content. cannot guarantee the identity of any other users with whom you may interact in the course of using the Services. Additionally, cannot guarantee the authenticity of any data which users or merchants may provide about themselves. You acknowledge that all Content accessed by you using the Services is at your own risk and you will be solely responsible for any damage or loss to any party resulting therefrom.

Under no circumstances will be liable in any way for any Content, including, but not limited to, any errors or omissions in any Content, or any loss or damage of any kind incurred in connection with use of or exposure to any Content posted, emailed, accessed, transmitted, or otherwise made available via the Services.

Required Criteria for Reporting Alleged Copyright Infringements

To request action by your claim must be valid under the DMCA. You must send Designated Copyright Agent the following information:

  • The full legal name and electronic or physical signature of a person authorized to act on behalf of the copyright owner of an exclusive right that is allegedly infringed.
  • Identification of the copyrighted work that claimed to have been infringed. If multiple copyrighted works at the single website are coveted, a representative list of such works at the website is required.
  • Identification of the material that is claimed to be infringing or the subject of infringing activity that is to be removed or access to which is to be disabled, and information sufficiently reasonable to permit the service provider to locate the material. This includes, at minimum, the URL link on the website or the Internet location where such material may be found.
  • Information sufficiently reasonable to permit the service provider to contact you: your name, address, telephone number and email address.


A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law:
“I hereby state that I have a good faith belief that the disputed use of the copyrighted material or reference or link to such material is not authorized by the copyright owner, its agent, or the law (e.g., as a fair use).”

A statement, made under penalty of perjury, that the above information is accurate, and that you are copyright owner or are authorized to act on behalf of the owner:
“I hereby state that the information in this Notice is accurate and, under penalty of perjury, that I am the owner, or authorized to act on behalf of the owner, of the copyright or of an exclusive right under the copyright that is allegedly infringed.”

Claims Processing processes claim in the order in which they are received. Please be aware that submitting duplicate claims may result in a delay in processing. Once Designated Copyright Agent receives a proper, bona fide infringement notification, it is our policy:

  • To remove or disable access to the infringing material
  • To notify the content provider, member or user that we have removed or disabled access to the material

That repeat offenders will have the infringing material removed from the system and that we will terminate such content providers, member’s or user’s access to the website service.

What if I receive a Copyright complaint (DMCA) notification?

A DMCA notification shows that the content described in the notification has been removed from or access to the content on has been restricted. Should the content provider, user, or member believe that the material that was removed, or to which access was disabled, is not infringing, such party has the right to file a counter-notice with in accordance with Section 512(g) of the DMCA.

Filing a Counter-Notice

A counter-notice containing all of the following information must be sent to Designated Copyright Agent:

A physical or electronic signature of the content provider, member or user.
Identification of the material that has been removed or to which access has been disabled and the location at which the material appeared online before such removal or disabling.
A statement that the content provider, member or user has a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled.

The content providers, member’s, or user’s name, address, telephone number, and, if available, email address, and a statement that such person or entity consents to the jurisdiction of the Federal Court for the judicial district in which the content providers, member’s, or user’s address is located, or, if the content providers, member’s or user’s address is located outside the United States, for any judicial district in which is located, and that such person or entity will accept service of process from the person who provided notification or an agent of such person.

Federal law states that if you knowingly misrepresent, or submit fraudulent and/or bad-faith claims, that online material is infringing, you may be subject to criminal prosecution for perjury and civil penalties, including monetary damages, court costs, and attorney’s fees. You may want to seek legal counsel before taking any action pursuant to the DMCA.

Changes To Terms Of Service

You can review the most current version of the Terms of Service at any time at this page. reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.

Contact Information

Questions about the Terms of Service should be sent to us at