Subscriber Agreement and Terms of Use
Updated: May 27, 2020.
This Subscriber Agreement and Terms of Use (this "Agreement") governs your use of this and affiliated sites. These sites are managed by the parent company, its subsidiaries, or third parties.
We may change the terms of this Agreement at any time by updating it on our websites, notifying by electronic means including but not limited to emails. The changes also will appear in this document, which is accessible over the web.
 You must be 18 years of age or older to purchase a subscription to the paid Content or services offered on the site. If you are under 18 years of age, you must get a parent's or guardian's permission before taking part in any discussion or making any contribution. You agree to pay the fees and all other charges incurred in connection with your account at the rates in effect when the charges were incurred. We may bill all charges automatically to your credit card. Subscription fees will be billed at the beginning of your subscription and any renewal. All fees and charges are non-refundable. We reserve the right to issue refunds or credits at our sole discretion. If we do issue a refund or credit, we are under no obligation to issue the same or similar refund in the future. We may change the fees and charges by giving you notice in advance. If you believe someone has accessed a Service using your user name and password without your authorization, please immediately contact us using the link on the Home Page. You are responsible for any fees or charges incurred to access a Service through an Internet access provider or other Third Party service. 
You consent to the transfer and storage of information outside of your country. If you access this website using a password, you are solely responsible for the confidentiality of the password. You agree to notify us promptly if you change your billing and delivery addresses and email address so we can continue to contact you and send any notices required hereunder. If you fail to notify us promptly of a change, then any notice we send to your old address shall be deemed sufficient notice. 
This Agreement shall remain in full force and effect until termination is approved by us. Your subscription will automatically renew until it is canceled and the cancellation approved by us. For annual subscriptions, we will notify you of the pending renewal of your subscription as required by law. To avoid billing of subscription fees for the renewal term to your credit card, you must cancel your subscription before it renews.
We may cancel your subscription at any time by providing notice to you. You may cancel your subscription prior to any renewal term by following the procedures described in the Cancellation and Refund Policy.
If you access a Service through an app or other type of third party platform, the applicable End User License Agreement for the app or platform may apply.
 When using such a third party, you may be subject to additional terms and policies set by the third party.
We employ cookie technology. 
If you purchased your subscription through a third party rather than from us directly, some or all of the terms for payments and refund might not apply to you.
Only one individual may access this and affiliated websites at the same time using the same user name or password unless we agree otherwise.
All the contents, including but not limited to text, images, video, metadata, artwork, graphs available through this, and affiliated websites, are our property or the property of affiliated parties and are protected by copyright and other intellectual property laws. Unless you have our written consent, you may not use, sell, publish, distribute, retransmit, or otherwise provide access to the Content received through the access to this website and affiliated websites to anyone.
You may not access pages to which you are not authorized or attempt to circumvent any restrictions imposed on your use or access of the website.
You agree not to modify the Content available through this and affiliated websites. You agree not to post the Content for use on another media, platform, or website.
 You may not use the Content in any commercial product or service without our express written consent.
You may not access or view the website with the use of any tool that alters the way the Services are displayed, rendered, or transmitted to you without our written consent.
You may not create apps, extensions, or other products and services that use our Content without our permission. You may not aggregate or otherwise use our Content in a manner that could reasonably serve as a substitute for a subscription to a Service.
Any unauthorized or prohibited use of any Content may subject you to civil liability, criminal prosecution, or both, under applicable federal, state, local laws, or applicable foreign laws, rules, regulations, and treaties. 
You agree not to use this and affiliated websites for any unlawful purpose. We reserve the right to terminate or restrict your access to the site if, in our opinion, your use of the website may violate any laws, regulations or rulings, infringe upon another person's rights or violate the terms of this Agreement.
It is your responsibility to choose your password wisely.
We reserve the right to disclose any information about you to comply with any applicable laws and/or requests under legal process. Further, we may use your information to protect our property or rights and safeguard the interests of others.
You are responsible for your own decisions and for properly analyzing and verifying any information received from this and affiliated websites. We neither endorse nor recommend any content made available by any user. We may not edit or review any User Generated Content. However, we reserve the right to monitor or remove any User Generated Content from the website at any time without notice. Some or all User Generated Content such as comments may be misleading, deceptive, or in error.
If you upload, post, or submit any content on this or affiliated websites, you represent to us that you have all the necessary legal rights to publish those contents, and doing so will not violate any law or the rights of any person. You agree that upon uploading, posting, or submitting information on this or affiliated websites, you grant us and our affiliates and successors a non-exclusive, transferable, worldwide, fully paid-up, royalty-free, perpetual, irrevocable, sub-licensable right and license to use, distribute, publicly perform, display, translate, adapt reproduce, and create derivative works from your contents in any and all media or technology, now known or later developed, in any manner, in whole or part, with or without attribution and without any duty to compensate you.
You waive all moral rights you may have in any content posted by you on this or affiliated websites. You agree that we may modify or alter your posted contents without seeking further permission from you. You also grant us the right to authorize the use of your posted contents, or any portion thereof, by Subscribers and other users in accordance with the terms and conditions of this Agreement. You agree that you are financially responsible for any claim against us arising from any contents you create or post or post on behalf of third parties.
We may also remove any User Content for any reason and without notice to you. 
From time to time, we, our affiliated third parties, may conduct promotions and other related activities. In some cases, you may be able to win an award as part of a Promotion. Each Promotion may have Additional Terms and/or Rules or eligibility requirements which shall be posted or otherwise made available to you in accordance with applicable law.
Our use of any third party websites, Content, data, information, applications, goods, services, or materials does not constitute an endorsement by, nor does it incur any obligation, responsibility or liability on our part or of our affiliates. We do not verify, endorse, or have any responsibility for Third-Party Services and any third party business practices. 
You agree that your access to, and use of, this and affiliated websites, Content, tools, benefits, awards is on an "as-is", "as available" basis. We specifically disclaim any representations or warranties, express or implied, including, without limitation, any representations or warranties of merchantability or fitness for a particular purpose. The parent company and its affiliates and their respective shareholders, directors, officers, employees, advertisers, suppliers, content providers, and licensors will not be liable to you or any other person as a result of your access or use of the website or such Content, tools, member benefits or prizes for indirect, consequential, special, incidental, punitive, or exemplary damages, including, without limitation, lost profits, lost savings and lost revenues, whether or not characterized in negligence, tort, contract, or other theory of liability, even the parent company and its affiliates have been advised of the possibility of or could have foreseen any of the excluded damages, and irrespective of any failure of an essential purpose of a limited remedy.
Some of the Content posted on this site may have been created by the visitors to the site. Hence, views expressed therein may not be those of the site or its parent company. Any links to third party websites do not amount to any endorsement of that site by the parent or its affiliated companies.
All Content of this and affiliated websites is provided "AS IS" and on an "AS AVAILABLE" basis. We do not make any representation or warranty of satisfactory quality, fitness, non-infringement, compatibility, security and accuracy, nor does it guarantee the timeliness, completeness or performance of the website or any of the Content. We shall not be liable for any of the losses or damages caused by the website. We do not warrant or guarantee that functions available on this website will be uninterrupted or error-free, that defects will be corrected, or the server that makes it available are free of viruses or bugs. It is your responsibility to implement sufficient procedures and virus checks (including anti-virus and other security checks) to satisfy your particular requirements for the accuracy of data input and output.
You agree that by entering into this Agreement, you and we are each waiving the right to trial by jury. Any arbitration under this Agreement will take place on an individual basis; class arbitrations and class actions are not permitted, and, by entering into this Agreement, you are giving up the ability to participate in a class action. All issues are for the arbitrator to decide, except that issues relating to the scope, application, and enforceability of the arbitration provision are for the court to decide. . This Agreement to arbitrate shall survive termination of this Agreement. This arbitration agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies, and, if the law allows, they can seek relief against us for you.
Unless you and we agree otherwise, the arbitration will take place either in the parent company's principal residence.
The arbitrator may award money or equitable relief in favor of only the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. To reduce the time and expense of the arbitration, the arbitrator will not provide a statement of reasons for his or her award unless requested to do so by both parties. Unless both you and we agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.
This Agreement contains the final and entire Agreement between us regarding your use of this and affiliated websites and supersedes all previous and contemporaneous oral or written agreements regarding your use of this and affiliated websites. This Agreement will not be governed by the United Nations Convention on Contracts for the International Sale of Goods. We may terminate or alter the contents, services to you at any time. You agree that this Agreement, as well as any and all claims arising from this Agreement will be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to any conflict or choice of law principles. For all litigation which may be brought, subject to the requirements for arbitration hereunder, with respect to any controversy or claim, arising out of or relating to this Agreement or any relationship between us, the sole jurisdiction and venue for such litigation will be an appropriate federal or state court located in the State of Delaware. Our failure to enforce any provision of this Agreement or to respond to a breach by you or other parties of this Agreement shall not in any way waive our rights to subsequently enforce any term or condition of this Agreement. This Agreement is personal to you, and you may not assign your rights or obligations under this Agreement to anyone else. You or anyone else on your behalf cannot assign a third party to the beneficiary of this Agreement.