Disclaimer

All of our reviews are based on our own observations, the reviews of others, and customer feedback. The information is believed to be accurate. We cannot be held liable for anything that we have failed to represent properly. We attempt to keep our information up to date and accurate, but do not make any guarantees.

The Financial Reviewer assumes no liability for any claims for damages arising from the use of the information on this website.

Terms and Conditions

TheFinancialReviewer.com Terms and Conditions (this "Agreement") is entered into by and between TheFinancialReviewer.com ("The Financial Reviewer") and the undersigned ("User").

PLEASE READ THIS DOCUMENT CAREFULLY BEFORE ACCESSING OR USING THE SITE. BY ACCESSING OR USING THE SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH BELOW. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS, YOU MAY NOT ACCESS OR USE THE WEBSITE. THEFINANCIALREVIEWER.COM MAY MODIFY THIS AGREEMENT AT ANY TIME, AND SUCH MODIFICATIONS SHALL BE EFFECTIVE IMMEDIATELY UPON THE POSTING OF THE MODIFIED AGREEMENT ON THIS WEBSITE. YOU AGREE TO REVIEW THE AGREEMENT PERIODICALLY TO BE AWARE OF SUCH MODIFICATIONS AND YOUR CONTINUED ACCESS OR USE OF THE WEBSITE SHALL BE DEEMED YOUR CONCLUSIVE ACCEPTANCE OF THE MODIFIED AGREEMENT.

This website is only for the purpose of providing information. Please consult with your financial advisor before using any of the products reviewed by The Financial Reviewer.

I understand that some of the consumer transactions offered by the websites, which are linked to our product reviews, may involve a negative option and that I may be liable for payment of future goods and services, under the terms of the websites' agreements, if I fail to notify websites or the suppliers of the products not to supply the goods or services.

1. COPYRIGHT, LICENSES AND IDEA SUBMISSIONS.

The entire contents of the Site are protected by international copyright and trademark laws. The owner of the copyrights and trademarks are The Financial Reviewer, its affiliates or other third party licensors. YOU MAY NOT MODIFY, COPY, REPRODUCE, REPUBLISH, UPLOAD, POST, TRANSMIT, OR DISTRIBUTE, IN ANY MANNER, THE MATERIAL ON THE SITE, INCLUDING TEXT, GRAPHICS, CODE AND/OR SOFTWARE. You may print and download portions of material from the different areas of the Site solely for your own non-commercial use provided that you agree not to change or delete any copyright or proprietary notices from the materials. You agree to grant to The Financial Reviewer a non-exclusive, royalty-free, worldwide, perpetual license, with the right to sub-license, to reproduce, distribute, transmit, create derivative works of, publicly display and publicly perform any materials and other information (including, without limitation, ideas contained therein for new or improved products and services) you submit to any public areas of the Site (such as bulletin boards, forums and newsgroups) or by e-mail to The Financial Reviewer by all means and in any media now known or hereafter developed. You also grant to The Financial Reviewer the right to use your name in connection with the submitted materials and other information as well as in connection with all advertising, marketing and promotional material related thereto. You agree that you shall have no recourse against The Financial Reviewer for any alleged or actual infringement or misappropriation of any proprietary right in your communications to The Financial Reviewer.

2. TRADEMARKS.

Publications, products, content or services referenced herein or on the Site are the exclusive trademarks or service marks of The Financial Reviewer. Other product and company names mentioned in the Site may be the trademarks of their respective owners.

3. USE OF THE WEBSITE.

You understand that, except for information, products or services clearly identified as being supplied by The Financial Reviewer, does not operate, control or endorse any information, products or services on the Internet in any way. Except for The Financial Reviewer - identified information, products or services, all information, products and services offered through the Site or on the Internet generally are offered by third parties that are not affiliated with The Financial Reviewer. You also understand that The Financial Reviewer cannot and does not guarantee or warrant that files available for downloading through the Site will be free of infection or viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost data.

YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SITE AND THE INTERNET. THE FINANCIAL REVIEWER PROVIDES THE SITE AND RELATED INFORMATION "AS IS" AND DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER (INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE OR NONINFRINGEMENT, OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE) WITH REGARD TO THE SERVICE, ANY MERCHANDISE INFORMATION OR SERVICE PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY, AND THE FINANCIAL REVIEWER SHALL NOT BE LIABLE FOR ANY COST OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY FROM ANY SUCH TRANSACTION. IT IS SOLELY YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ALL OPINIONS, ADVICE, SERVICES, MERCHANDISE AND OTHER INFORMATION PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY. THE FINANCIAL REVIEWER DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT DEFECTS IN THE SERVICE WILL BE CORRECTED.

LIMITATION OF LIABILITY

IN NO EVENT WILL THE FINANCIAL REVIEWER BE LIABLE FOR (I) ANY INCIDENTAL, CONSEQUENTIAL, OR INDIRECT DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE) ARISING OUT OF THE USE OF OR INABILITY TO USE THE SERVICE, OR ANY INFORMATION, OR TRANSACTIONS PROVIDED ON THE SERVICE, OR DOWNLOADED FROM THE SERVICE, OR ANY DELAY OF SUCH INFORMATION OR SERVICE. EVEN IF THE FINANCIAL REVIEWER OR ITS AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICE AND/OR MATERIALS OR INFORMATION DOWNLOADED THROUGH THE SERVICE. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, THE FINANCIAL REVIEWER’S LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

The Financial Reviewer makes no representations whatsoever about any other website which you may access through this one or which may link to this Site. When you access a non-The Financial Reviewer website, please understand that it is independent from The Financial Reviewer, and that The Financial Reviewer has no control over the content on that web site. In addition, a link to a The Financial Reviewer website does not mean that The Financial Reviewer endorses or accepts any responsibility for the content, or the use, of such web site.

3. INDEMNIFICATION.

You agree to indemnify, defend and hold harmless The Financial Reviewer, its officers, directors, employees, agents, licensors, suppliers and any third party information providers to the Service from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this Agreement (including negligent or wrongful conduct) by you or any other person accessing the Service.

4. THIRD PARTY RIGHTS.

The provisions of paragraphs 2 (Use of the Service), and 3 (Indemnification) are for the benefit of The Financial Reviewer and its officers, directors, employees, agents, licensors, suppliers, and any third party information providers to the Service. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.

5. TERMINATION.

This Agreement may be terminated by either party without notice at any time for any reason. The provisions of paragraphs 1 (Copyright, Licenses and Idea Submissions), 2 (Use of the Service), 3 (Indemnification), 4 (Third Party Rights) and 6 (Miscellaneous) shall survive any termination of this Agreement.

6. MISCELLANEOUS.

This Agreement shall all be governed and construed in accordance with the laws of the State of New Hampshire applicable to agreements made and to be performed in State of New Hampshire. You agree that any legal action or proceeding between The Financial Reviewer and you for any purpose concerning this Agreement or the parties' obligations hereunder shall be brought exclusively in a federal or state court of competent jurisdiction sitting in the State of New Hampshire. Any cause of action or claim you may have with respect to the Service must be commenced within one (1) year after the claim or cause of action arises or such claim or cause of action is barred. The Financial Reviewer's failure to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of this Agreement. The Financial Reviewer may assign its rights and duties under this Agreement to any party at any time without notice to you.

Any rights not expressly granted herein are reserved.