These terms of use are entered into by and between you and . The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, these “Terms of Use”), govern your access to and use of [] including any content, functionality and services offered on or through [] (the “Website”), whether as a guest or a registered user.

Please read the Terms of Use carefully before you start to use the Website. By using the Website or by clicking to accept or agree to the Terms of Use when this option is made available to you, you accept and agree to be bound and abide by these Terms of Use and our Privacy Policy.

The Website is offered and available to users who are eighteen years of age or older and reside in the United States. By using the Website, you represent and warrant that you are of legal age to form a binding contract with the Company in the state you reside, regardless of your age, and you meet the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Website.

Changes to the Terms of Use

We may revise and update these Terms of Use from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to and use of the Website thereafter. If we make material changes to how we treat our users’ personal information, we will notify you by email and/or through a notice on the Website home page. If you disagree with the changes, you must not access or use the Website. However, any changes to the dispute resolution provisions set forth in Governing Law and Jurisdiction will not apply to any disputes for which the parties have actual notice on or prior to the date the change is posted on the Website.

Your continued use of the Website following the posting of revised Terms of Use means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.

Accessing the Website and Account Security

We reserve the right to withdraw or amend the Website and any service or content we provide on the Website in our sole discretion without notice. We will not be liable if for any reason all or any part of the Website is unavailable at any time or for any period. From time to time, we may restrict access to some parts of the Website, or the entire Website, to users, including registered users.

You are responsible for:

  • making all arrangements necessary for you to have access to the Website, including registering and paying for a subscription to access subscriber-only content, as well as obtaining and maintaining at your own expense all equipment, hardware, software, and telephone, mobile, wireless, Internet and other services necessary to access, visit, or use the Website.
  • ensuring that all persons who access the Website through your Internet connection are aware of these Terms of Use and comply with them.

To access the Website or some of the resources it offers, you may be asked to provide certain registration details or other information. It is a condition of your use of the Website that all the information you provide on the Website is correct, current and complete. You agree that all information you provide to register with the Website or otherwise, including but not limited to through the use of any interactive features on the Website, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

If you choose, or are provided with, a user name, password as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any other person or entity. You also acknowledge that your account is personal to you and agree not to provide any other person or entity with access to the Website or portions of it using your user name, password or other security information. If you provide someone else with your password, they will be able to view any personal information you included in your registration, make changes to your account, and post User Contributions under your user name. You agree to notify us immediately of any unauthorized access to or use of your user name or password or any other breach of security. You also agree to ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.

We have the right to disable any user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of these Terms of Use.

Charges for Services

We may charge for access to portions of the Website or the entire Website, and we reserve the right at any time to change the amount we charge for such access or subscription that includes authorization to access content on the Website. Your access to some of the content on the Website may be limited depending on whether you purchased a subscription. You shall pay all applicable taxes relating to your subscription.

Termination of Subscription Services

our subscription will renew automatically unless it is cancelled according to the terms of this section. For annual subscriptions, we will notify you at the address you used during registration, or an updated address if you have provided one, of the pending renewal of your annual subscription at least thirty (30) days prior to the automatic renewal occurring, unless otherwise required by law. For all subscriptions, you must cancel your subscription before it renews in order to avoid automatically charging your credit or debit card the subscription fee for the renewal term.

Information Disclaimer

The content on the Website may include articles or other information on a range of topics, including medical, health, legal, tax, or financial issues. Some of the content on the Website is not moderated, screened or edited, and may be offensive, harmful, or wrong. You should not rely on the Website for individual advice on such issues. Instead, we recommend that you talk in person with a qualified professional. You alone bear the sole responsibility for evaluating the merits and/or risks associated with use of the content obtained on or through the Website before making any decisions based on such content. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other user, or anyone informed by the content on the Website. All content provided by users expresses solely the opinions of the author.


Intellectual Property Rights

he Website and its entire contents, features and functionality (including but not limited to all information, software, text, displays, images, video and audio, graphics, artwork, metadata and other data, advertising, and the design, organization, look and feel, selection and arrangement thereof, as well as all copyrights, trademarks, service marks, trade names, trade dress, or patent rights), are owned by the Company, its licensors or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights laws.

These Terms of Use permit you to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, sell, store or transmit any of the material on the Website, except as follows:

Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.

You may store files that are automatically cached by your Web browser for display enhancement purposes.

You may print or download a reasonable number of pages of the Website for your own personal, non-commercial use and not for further reproduction, sale, publication or distribution.

If we provide desktop, mobile or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.

If we provide social media features with certain content, you may take such actions as are enabled by such features. You must not:

modify copies of any materials from this site;

use or distribute any illustrations, photographs, video or audio sequences or any graphics separately from the accompanying text; or

delete or alter any copyright, trademark or other proprietary rights notices from copies of materials from this site.

You must not access or use for any commercial purposes any part of the Website or any services or materials available through the Website.

If you print, copy, modify, download or otherwise use or provide any other person or entity with access to any part of the Website in breach of the Terms of Use, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in or to the Website or any content on the Website is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Website not expressly permitted by these Terms of Use is a breach of these Terms of Use and may violate copyright, trademark and other laws.

Prohibited Uses

You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to use the Website:

in any way that violates any applicable federal, state, local or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).

for the purpose of exploiting, harming or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information or otherwise.

to send, knowingly receive, upload, download, use or re-use any material which does not comply with the Content Standards set out in these Terms of Use.

to transmit, or procure the sending of, any advertising, promotional, or bulk material without our prior written consent, including any “junk mail”, “chain letter” or “spam” or any other similar solicitations.

to impersonate or attempt to impersonate the Company, a Company employee, another user or any other person or entity (including, without limitation, by using e-mail addresses, screen names or user names associated with any of the foregoing).

to engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which, as determined by us, may harm the Company or users of the Website or expose them to liability.

to create derivative works based on the content found on the Website.

to repeatedly post the same User Contribution multiple times a week.

for any commercial product or service, without our express written consent

to create apps, blogs, or other products or services that use the content on the Website or may serve as a substitute for a subscription without our permission.

to stalk other users through the Website.

Additionally, you agree not to:

use the Website in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Website, including their ability to engage in real time activities through the Website.

use any robot, spider or other automatic device, process or means to access the Website for any purpose, including monitoring or copying any of the material on the Website.

Display, post, frame or copy the content for use on another website, app, blog, product or service, except as otherwise allowed under these Terms of Use.

use any manual process to monitor or copy any of the material on the Website, including without limitation the framing, scraping of or in-line linking to the Website or any of its contents, or for any other unauthorized purpose without our prior written consent.

use any device, software or routine that interferes with the proper working of the Website.

introduce any viruses, trojan horses, worms, logic bombs or other material which is malicious or technologically harmful.

attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Website, the server on which the Website is stored, or any server, computer or database connected to the Website.

attack the Website via a denial-of-service attack or a distributed denial-of-service attack.

access and/or use anyone else’s registration information or user name.

authorize or permit anyone else to access and/or use your registration information or user name.

falsely state, represent, or imply any affiliation, association or connection between any person or entity, including without limitation, you, your company, your website, application or blog with the Company, the Website, or any of our affiliates, subsidiaries, vendors, or parent company.

otherwise attempt to interfere with the proper working of the Website.

Unauthorized or prohibited use of the Website or its content may subject you to civil liability, criminal prosecution, or both, under applicable federal, state, and local laws, rules, or regulations. We reserve the right to suspend or discontinue any of the content provided as part of the subscription at any time. We also reserve the right to limit certain features or content without notice or liability. If you breach, violate, fail to follow or act inconsistently with the terms and conditions in these Terms of Use, we reserve the right to curtail, restrict or refuse to provide you with any future access or subscription to the Website.

User Contributions

The Website may contain message boards, chat rooms, comment boards, forums, bulletin boards and other interactive features (collectively, “Interactive Services”) that allow users to post, submit, publish, display or transmit (hereinafter, “post”) content or materials (collectively, “User Contributions”) on public or subscription-only areas of the Website, or to be transmitted to other users of the Website or third parties.

All User Contributions must comply with the Content Standards set out in these Terms of Use. All User Contributions must be courteous and respectful.

Any User Contribution you post to the site will be considered non-confidential and non-proprietary. By providing any User Contribution on the Website, you grant us and our affiliates, subsidiaries, parent company and service providers, and each of their and our respective licensees, successors and assigns the perpetual, non-exclusive, transferable, fully paid-up, royalty-free, irrevocable right and license to use, copy, reproduce, modify, perform, display, distribute, translate, adapt, reproduce, create derivative works, excerpt, publish, host, sell, transfer, modify and otherwise disclose or transmit to third parties any such material, in any and all media or technology, now known or later developed, in whole or in part, with or without attribution, for any purpose. You are responsible for making a copy or back-up of any and all User Contributions you post or submit to be posted to the Website that you wish to retain. We have no obligation to retain, store or provide you with any User Contribution you may have posted.

By providing any User Contribution on the Website, you represent and warrant that:

You own or control all rights in and to the User Contributions and have the right to grant the license granted above to us and our affiliates, subsidiaries, parent company and service providers, and each of their and our respective licensees, successors and assigns.

You are not violating any law or the rights of any person, including by plagiarizing.

All of your User Contributions do and will comply with these Terms of Use.

You consent to the public display and publication of your User Contributions.

You waive all rights to refuse to have the content altered or changed in a manner not agreeable to you.

You understand and acknowledge that you are responsible for any User Contributions you submit or contribute, and you, not the Company, have full responsibility for such content, including its legality, reliability, accuracy and appropriateness.

We are not responsible or liable to any third party for the content or accuracy of any User Contributions posted by you or any other user of the Website. We do not endorse any opinion, comment, or recommendation made by any user. User Contributions may be misleading, deceptive or in error.