1. Intellectual Property
1.1 This Site is owned and operated by Huntington-Fox Media™ hereby known as HFM and/or its affiliates (collectively, “MP” and/or “HFM”). All of the content elements displayed and/or downloadable on this Site, including photographic images, graphic images, text, captions, video, audio-visual files, digital files and software (collectively, the “Content”), and all of the features of this Site, including this Site’s designs, trade dress, logos, pages, audio and/or video material, text, data, information, software, data compilations, digital downloads, icons, html code, xml code and products or services obtained from this Site (together with the Content, collectively, the “Site Elements”) is the exclusive property of MoneyPacers™ or its licensors. The Site Elements are protected by national and international laws, including copyright, trademark, trade dress and other intellectual property laws. Any Content accessed or downloaded by You (whether or not such access or download was authorized) transfers no right, title or interest in or to such Content or any intellectual property rights therein. All right, title and interest in and to such Content shall remain the exclusive property of “HFM” and/or MP its licensors. No Content may be used, copied, displayed, transmitted or otherwise exploited via any means except as expressly permitted herein. MP hereby expressly reserves all rights in relation to the Site and Site Elements not expressly granted herein.
1.2 For the protection of MP and its licensors, Content may use electronic measures to protect this Site and the Site Elements. You agree not to, nor attempt to, disable or interfere with any such measures. Any circumvention or interference with such measures may result in civil and criminal penalties.
1.3 For personal, non-commercial use ONLY, You may make a single printed copy of any item of Content on the Site PROVIDED that You do not remove or cause to be removed any copyright, trademark, watermark or other proprietary notices or visual marks or logos from the Content. You may not archive or retain any Content without the express prior written consent of MoneyPacers.com to our email address shown at Section: 14.1 below.
2. Use of the Site
2.1 This Site and Site Elements are intended solely for users of the Site. Any and all access to this Site is provided to You at MP sole discretion. You agree that MoneyPacers.com shall not be liable to You or any third party for any termination of Your access to this Site. MP reserves the right to modify, update, suspend, discontinue or restrict the use of or access to the Site (or any portion of the Site) at any time and without notice or liability.
2.2 You may not (i) deep link or employ software or any automatic device, technology or algorithm, to “crawl”, “scrape”, search or monitor this Site and/or retrieve or copy Content or related information; (ii) violate the mechanical restrictions of this Site, or bypass other measures employed to prevent or limit access to this Site or Site Elements by hacking or other means; (iii) copy, redirect, or exploit this Site or any Site Elements; (iv) probe, scan, or test the vulnerability of this Site or of the network supporting this Site, or seek information on visitors to this Site or personal information of MoneyPacers.com customers; (v) use or upload to this Site any device, software or routine that would interfere with the proper functioning of this Site, or any transaction conducted via this Site; (vi) copy, modify, or display the MP name, logo, trademarks or service marks, text, or graphic images in any way, or include MP’s names or trademarks or service marks or any MoneyPacers.com executive’s name, or any variation of any of the foregoing, as a meta-tag, hidden textual element, or any other indicator that may create an impression of affiliation, sponsorship, or endorsement; (vii) use devices (including software) that are designed to provide repeated automated access to this Site, other than those made generally available by MP, or probe, scan, or test the vulnerability of any system or network related in any way to this Site, without proper authorization from or by MP; (viii) engage in any unlawful or illegal activities in connection with the use of this Site; or (ix) frame this Site or Site Elements using “framing” or any other similar technology.
2.3 MoneyPacers.com controls and operates this Site from its offices within the State of New York, United States of America. MP does not claim that this Site and/or any Site Elements are appropriate or available for use in locations other than the United States. If You choose to access this Site from other locations, You do so at Your own initiative and will be solely responsible for compliance with any applicable local laws.
3.1 In the course of using this Site, You may receive certain pricing, technical, marketing or other confidential information. “Confidential information” includes any information that is either designated as confidential by MP or that, under the circumstances surrounding its disclosure, a reasonable person would conclude is confidential. You acknowledge that such confidential information constitutes valuable trade secrets of MP and is proprietary to MP. You agree that You will maintain the confidentiality of all such confidential information and that You shall not use or disclose such confidential information without the prior written consent of MoneyPacers.com (MP).
4. Disclaimers and Limitations on Liability
4.1 THE SITE AND THE SITE ELEMENTS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, MP EXPRESSLY DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES OF ANY KIND WITH RESPECT TO THE SITE, THE SITE ELEMENTS AND ANY OTHER PRODUCTS OR SERVICES AVAILABLE ON OR THROUGH THIS SITE, WHETHER, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY AND ALL WARRANTIES (1) OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE; (2) OF NON-INFRINGEMENT AND TITLE; (3) THAT ANY USE OF THE SITE WILL BE FREE FROM ANY INTERRUPTIONS, DELAYS, INACCURACIES, SERVER DOWN-TIME, ERRORS OR OMISSIONS; (4) THAT THE SITE WILL BE SECURE, OR FREE OF VIRUSES, WORMS OR OTHER HARMFUL COMPONENTS; (5) THAT THE SITE AND/OR THE SITE ELEMENTS WILL SATISFY YOUR REQUIREMENTS OR EXPECTATIONS; AND (6) THAT INFORMATION, DATA OR MATERIALS PRESENTED OR DISPLAYED ON THIS SITE ARE CORRECT, ACCURATE OR RELIABLE.
4.2 UNDER NO CIRCUMSTANCES SHALL MP OR ITS DIRECTORS, OFFICERS, EMPLOYEES, PARTNERS, LICENSORS, AGENTS OR OTHER REPRESENTATIVES, BE LIABLE FOR DAMAGES OF ANY KIND, WHETHER DIRECT, INDIRECT, COMPENSATORY, CONSEQUENTIAL, EXEMPLARY, SPECIAL, INCIDENTAL OR PUNITIVE, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, REVENUE, INCOME, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES OR DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR THE SITE ELEMENTS. YOU ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING OR REPAIRS ARISING FROM USE OF THE SITE.
4.3 Your access to this Site or any Site Element is at Your own risk. You shall be solely responsible for any damage to Your computer systems or loss of data that results from the accessing of any Site Elements. MP shall not be responsible or liable for any damage caused by theft, systems failure, communications line failure or other occurrences beyond the control of MP.
4.4 Although MP endeavors to ensure the accuracy, completeness and reliability of the Content, MP disclaims all representations and warranties concerning the accuracy, completeness and/or reliability of the Content or any data or metadata appurtenant thereof. You assume all risk and responsibility relying on such information. MP also disclaims any responsibility for the accuracy, completeness and/or reliability of any search feature provided by this Site and/or any search results.
4.5 This Site may from time to time contain links or pointers to Internet sites maintained by third parties. Although these links seem to imply endorsement or recommendations by MP of the products or services offered by such third party Internet sites, MP does not operate or control in any way, any information, products or services on these third-party sites and MP expressly disclaims any responsibility for such third party sites, which are provided for Your convenience on an “as is” basis without warranties of any kind, express or implied. You hereby waive any and all claims against MP regarding the inclusion of links to third party Internet Sites or their use thereof.
4.6 Some content maybe provided or commissioned by the credit card issuers, banks, investment and insurance companies, etc. But any opinions expressed onsite are the author’s alone, not those of the credit card issuers, banks, insurance companies, etc., and have not been reviewed, approved or otherwise endorsed by the aforementioned companies. All content is considered accurate at the time of posting, but bank rates, insurance rates, prices, card terms and conditions may change at any time. We are compensated by sponsors, affiliate and advertising programs through some links found on this site. Some of these programs maybe: Google Adsense, Bankrate, Yahoo Ads, Amazon, etc.
5. Potentially Offensive Material
5.1 This Site contains financial news, historical content and how to articles. Because we have multiple authors, accordingly, certain content or comments may describe or depict persons, financial institutions or events that reflect social attitudes, beliefs and circumstances of a particular place and/or time that may be viewed as insensitive, offensive or inappropriate by You, or the community in or to which You intend to publish, transmit, display or broadcast such Content/Comments. MP will remove these offensive comments and/or articles when found onsite. However, MP shall not be liable or responsible to You, or any other person or entity with respect to such Content/Comments found onsite until or after such Content/Comments we deem necessary to be removed.
8.1 All web servers track basic information about their visitors. This information includes, but is not limited to, IP addresses, browser details, timestamps and referring pages. None of this information can personally identify specific visitors to this site. The information is tracked for routine administration and maintenance purposes.
8.2 We may use third-party advertising companies to serve ads and collect information when visiting this blog. These companies may use information (not including your name, address, email address or telephone number) about your visits to this and other websites in order to provide advertisements on our site, other websites and other forms of media about goods and services of interest to you. If you would like more information about this practice to know your choices about not having this information used, or want opt-out go to Google Analytics’ currently available opt-outs.
8.3 We may collect, receive and store information regarding your general use of our Services (such as details of how and when you used our Services, interactions with our Services, log in information, resources that you access, your Internet protocol address, your browser type, and your device type), as well as your preferences.
8.4 When you use our Services through your computer, mobile phone or other device, we may collect information regarding and related to your device, such as hardware models and IDs, device type, operating system version, the request type, the content of your request and basic usage information about your use of our Services, such as date and time. In addition, we may collect information regarding application-level events and associate that with your account to provide customer service. We may also collect and store information locally on your device using mechanisms such as browser web storage and application data caches.
8.4 We track many details about readers through Quantcast and Google Analytics, but nothing that specifically identifies you. I may use this information to better target ads for readers, and understand who my audience is in the future.
8.8 Finally, we never sell your information (name, addresses or email) that you trust us with –on site sign-up with to anyone else. Ever!
9.1 In accordance with article 4.6 we have advertising here on MoneyPacers.com. Without ads our site can not continue. We don’t like the visual clutter any more than you do but, we plan to treat MoneyPacers like an enterprise rather than a hobby and that requires funding.
9.2 MoneyPacers.com may provide information from or links to certain financial institutions for your convenience only. Although we endorse or recommend some services found onsite. The bank or financial institution you select (and not MoneyPacers) is solely responsible for its services to you. If the link is an Sponsored or Affiliate link we’ll indicate such beneath or next to it.
9.3 You may be offended that we may run advertising from large financial firms and other institutions that you may regard as dubious and often come under attack on this blog. Please be advised that the management of this site will not chase or negotiate those placements. We’ll use Google Adsense service that makes sense to us. What Google Adsense does is round up advertisers who offer the products and services our educated and highly desirable readership often desire. These ads may not be for you today but who knows what tomorrow may bring, so bear with us.
9.4 MoneyPacers is not responsible for savings and sale claims or prize values referenced in offers found on site. These offers are representations solely of the offering retailers, manufacterures and/or sponsors. All inquiries regarding Official Rules, Sales, and other Sweepstakes questions should be directed to the respective Sale or Sweepstakes or Offering parties/sponsors. Except where we specifically indicate, MP is not the sponsor of or responsible for any of the coupon savings offers or sweepstakes published here on site. We suggest when after leaving our site and landing on the third-party offering site to read their rules carefully before participating in one of their offers.
10. Content You Submit
10.1 As an Contributor or Author by posting or submitting content on or to MP (regardless of the form or medium with respect to such content, whether text, videos, photographs, audio or otherwise), you grant us and our affiliates, agents and third party contractors a perpetual, irrevocable, worldwide, royalty free, and non-exclusive license to reproduce, adapt, modify, translate, display, publish, publicly perform, publicly display and distribute any content you submit, post or display through the Services. You shall be solely responsible for your own submissions and the consequences of posting or publishing them. In connection with each of your submissions, you affirm, represent, and/or warrant that you own or have the necessary licenses, rights, consents, and permissions to grant the above license to us. You agree that you will not: (i) submit material that is copyrighted, protected by trade secret or otherwise subject to third party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the material and to grant us all of the rights granted herein; (ii) publish falsehoods or misrepresentations that could damage us or any third party; (iii) submit material that is unlawful, obscene, defamatory, libelous, threatening, pornographic, harassing, hateful, racially or ethnically offensive, or encourages conduct that would be considered a criminal offense, give rise to civil liability, violate any law, or is otherwise inappropriate; or (iv) unless you have received our prior express written consent, post advertisements or solicitations of business. We reserve the right to remove or not publish submissions without prior notice.
10.2 If you are a copyright owner or agent thereof and believe that user content infringes upon your copyright, please submit notice, pursuant to the Digital Millennium Copyright Act (17 U.S.C. 512(c)) to our Copyright Agent with the following information: (i) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright; (ii) a description of the copyrighted work that you claim has been infringed; (iii) the URL of the location containing the material that you claim is infringing; (iv) your address, telephone number, and email address; (v) 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; (vi) 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. Our Copyright Agent can be reached by sending an email with the subject line ‘copyright agent’ via the form on our contact page.
11.1 Bear in mind that commenting is a privilege, not a right. This site is not a public park where anyone can set up his/her own soapbox. You are using private, paid hosted space. If you come to our party and throw your drink at the hosts or urinate in our potted plants, you will be shown the door, pronto. The fact is that having a high caliber conversation among readers necessitates demanding that readers argue in a fair-minded manner. Our intention is to allow you to engage directly with MoneyPacers and each other. We want to hear your opinions, thoughts, suggestions and questions. Therefore we have provided the opportunity for you to leave comments on our blog posts. We only publish your comments when they are relevant to the article. If not they will be earmarked for deletion.
12. Governing Law; Jurisdiction; Disputes
13 Site Security
13.1 MoneyPacers web servers support the Secure Socket Layer (SSL) transaction protocol by COMODO RSA Domain Validation Secure Server CA and is now largely accepted as an industry standard. The purpose of this encryption protocol is to keep confidential the information passed back and forth between a web server and its users. In addition, MP uses 128-Bit Domestic Grade Strong Encryption, the most powerful encryption commercially available for Internet products (however, be aware that if you are using a 40-bit browser, your encryption level, while secure, is not the highest level available). We work to protect personally identifiable information stored on the site’s servers from unauthorized access using industry standard computer security products, such as firewalls, as well as carefully developed security procedures and practices. In addition, a username, member ID name and password are required for you to use, view or change application or interview information. We use both internal and external resources to review the adequacy of our security measures on a regular basis.
14. No Waiver
15. Contacting Moneypacers.com
15.1 Requests for the archiving, republication or retention of any item of Content accessible on the Site should be submitted by You in writing to MoneyPacers.com at the following address: Copyright Team, MoneyPacers, P.O. Box 5563, New York, NY, USA or by email to firstname.lastname@example.org.
15.2 If You have any inquiries, recommendations or suggestions regarding this Site, please submit to MoneyPacers by email to: email@example.com
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