by Bryan Koslow | Oct 13, 2021 | Blog
Closely aligned with FOMO (Fear of Missing Out), Cocktail Party Risk is the fear that you are not keeping up with others in your social circles. If you have ever attended a social event and left feeling diminished, you have probably experienced Cocktail Party Risk....Please read these Terms of Service (the “Agreement”) carefully, they govern your use of online services and digital products of FIT 114 Inc. (“FIT” or “we” or “us”), including but not limited to our FIT mobile application and our websites at http://www.financialinsighttraining.com, https://www.financialinsightapp.com/, all subdomains of http://www.financialinsighttraining.com and https://www.financialinsightapp.com/ (the “Site”), and all features, content and products and services offered on or through the Site, including but not limited to the Financial Insight Training program, other Programs as further defined below, software and other downloads (collectively, the “Services”).
Your use of the Site and Services is governed by this Agreement regardless of how you access the Site or Services. If you do not agree to this Agreement, please DO NOT use our Site or Services.
1. Acceptance of Terms. Your use of the Site or Services require your acceptance of this Agreement. FIT reserves the right to update or make changes to this Agreement from time to time and may provide you with notice of such changes by any reasonable means, including without limitation, by posting the revised version of this Agreement on the Site or in connection with the Services. Your continued access to or use of the Site or Services following changes to this Agreement will require your acceptance of those changes.
BY ACCEPTING THE SERVICES, ACCESSING OR USING THE SITE OR SER-VICES, YOU AFFIRM THAT BOTH MEMBERS ARE OF LEGAL AGE TO ENTER INTO THIS AGREEMENT AND THAT BOTH MEMBERS AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT.
We reserve the right, at any time, temporarily or permanently, in whole or in part, to: modify or discontinue the Site or Services, with or without notice; charge fees in connection with the use of the Site or Services; modify or waive any fees charged in connection with the Site or Services; or offer opportunities to some or all users of the Site or Services. You agree that we shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Site or of any Ser-vice, content, feature or product, in whole or in part. Your continued access to or use of the Site or Services after such changes will indicate your acceptance of such changes.
2. Memberships, Price, No Refund. Our Services are offered for purchase online and otherwise. We offer certain membership programs to our Services (“Programs”). Our Programs are annual or as otherwise specified in the specific program and our Programs will be available for their duration. By signing up for a Program, you agree to make payment of the amount due in full at the respective due dates, even if you agree to pay in monthly installments. You acknowledge and agree that FIT is not obligated to, and will neither offer nor pay a full or partial refund for a Program you choose not to participate in, a Program you no longer wish to participate in, or a Program you only partially participated in, for any reason.
FIT may, in its sole discretion, offer a refund or credit towards other Programs should FIT decide to withdraw a Program prior to its start or end date.
3. Site and Services Information. We provide users of the Site and/or Services with access to certain content and Services related to behavioral finance and how to apply this information in every-day life in the form of live and recorded seminars, webcasts and publications, including, but not limited to, handouts, checklists and worksheets, which may include, without limitation: (a) seminar registration; (b) live streaming media (e.g., webcasts and groupcasts) and on-demand streaming media; (c) downloadable audio and video courses; (d) simulated testing software; (e) downloadable presentation materials; (f) downloadable publications; (g) blogs; and (h) transcripts (such content and services also part of the “Services”).
Each member is solely responsible for access to our Sites and Services, including but not limited to your hardware and internet connection. The technical quality (e.g., the resolution) of streaming content, as well as the download speed of down-loadable content, may be affected by a variety of factors such as your location, the content being streamed or downloaded and the speed of your Internet connection. FIT makes no representation or warranty regarding access to content available through the Site or in connection with Services, including the quality of streaming content and the download speed of downloadable content.
The content provided through the Site and/or in connection with the Services is designed to provide practical and useful information on the subject matter covered. WHILE SUCH CONTENT MAY CONCERN INVESTMENT ISSUES, FI-NANCE RELATED ISSUES, LEGAL ISSUES, ACCOUNTING ISSUES OR OTH-ER ISSUES RELATED TO PROFESSIONAL SERVICES, SUCH CONTENT IS NOT INVESTMENT ADVICE, FINANCIAL ADVICE, LEGAL ADVICE, ACCOUNT-ING ADVICE OR OTHER PROFESSIONAL SERVICES ADVICE. YOU SHOULD NOT ACT OR REFRAIN FROM ACTING ON THE BASIS OF ANY CONTENT INCLUDED ON THIS SITE OR IN CONNECTION WITH THE SERVICES WITH-OUT SEEKING THE ADVICE OF A COMPETENT PROFESSIONAL IN THE AP-PLICABLE SUBJECT MATTER. FIT EXPRESSLY DISCLAIMS ALL LIABILITY IN RESPECT OF ACTIONS TAKEN OR NOT TAKEN BASED ON ANY CONTENT OF THIS SITE OR IN CONNECTION WITH THE SERVICES. YOU ACKNOWLEDGE AND AGREE THAT THE CONTENT IS NOT PROVIDED FOR THE PURPOSE OF RENDERING INVESTMENT, FINANCE, LEGAL, ACCOUNT-ING OR OTHER PROFESSIONAL SERVICES. IF YOU BELIEVE YOU NEED ADVICE OR OTHER EXPERT ASSISTANCE IN ONE OR MORE OF THE ABOVE AREAS, YOU SHOULD SEEK THE SERVICES OF A COMPETENT PROFESSIONAL.
USE OF THE SITE AND/OR SERVICES IS NOT INTENDED TO CONSTITUTE, AND DOES NOT CONSTITUTE, A SOLICITATION FOR THE FORMATION OF AN ATTORNEY-CLIENT RELATIONSHIP. NO ATTORNEY-CLIENT RELATIONSHIP IS CREATED THROUGH YOUR USE OF THE SITE OR SERVICES. MOREOVER, NEITHER RECEIPT OF INFORMATION PRESENTED ON THE SITE OR IN CONNECTION WITH THE SERVICES NOR ANY EMAIL OR OTHER ELECTRONIC COMMUNICATION SENT THROUGH THE SITE OR IN CON-NECTION WITH THE SERVICES WILL CREATE AN ATTORNEY-CLIENT RELATIONSHIP, AND ANY SUCH EMAIL OR COMMUNICATION WILL NOT BE TREATED AS CONFIDENTIAL.
4. Jurisdictional Issues. The Site and the Services are controlled and operated by FIT from the United States, and are not intended to subject FIT to the laws or jurisdiction of any state, country or territory other than that of the United States. FIT neither represents nor warrants that the Site or the Services or any part thereof is appropriate or available for use in any particular jurisdiction other than the United States. In choosing to access the Site or Services, you do so on your own initiative and at your own risk, and you are responsible for complying with all local laws, rules and regulations. You are also subject to United States export controls and are responsible for any violations of such controls, including any United States embargoes or other federal rules and regulations restricting exports. We may limit the availability of the Site or the Services, in whole or in part, to any person, geographic area or jurisdiction we choose, at any time. Not all products or services described on the Site or the Ser-vices are available in all states or territories.
5. Information Submitted Through the Site and/or Services. Your submission of information through the Site or in connection with the Services is governed by FIT’s Privacy Policy, which is located at https://www.financialinsighttraining.com/privacy-policy (the “Privacy Policy”). You agree that all information that you provide to us is true, accurate and complete, and that you will maintain and update such information regularly.
6. Rules of Conduct. You must comply with all applicable laws, rules and regulations while accessing or using the Site and/or Services. In addition, we expect users to respect the rights and dignity of others. Your use of the Site and/or Services is conditioned upon your compliance with the rules set forth in this section. You must not:
• Post, transmit, or otherwise make available, through or in connection with the Site or Services, (a) anything that could be (i) threatening, harassing, discriminatory, degrading, hateful or intimidating; (ii) defamatory, fraudulent or other-wise tortious; (iii) obscene, indecent, pornographic or otherwise objectionable; or (iv) related to alcohol, wagering, gambling, tobacco products, ammunition or firearms; (b) anything that could give rise to criminal or civil liability (including any material protected by copyright, trademark, trade secret, right of publicity, or any other proprietary right for which you do not have the express prior con-sent of the owner of such right or in violation of any contractual, fiduciary or other legal obligation), or that encourages conduct that would constitute a criminal offense; (c) any virus, worm, Trojan horse, Easter egg, time bomb, spyware, or other computer code, file or program that is potentially harmful or invasive, or may or is intended to damage or hijack the operation of, or to monitor the use of, any hardware, software or equipment; (d) any unsolicited or unauthorized advertising, promotional material, “junk mail,” “spam,” “chain letter,” “pyramid scheme,” investment opportunity or other form of solicitation; or (e) any material, non-public information about a company or any securities or other financial instrument, without the proper authorization to do so;
• Use the Site or Services (a) to defame, abuse, harass, stalk, threaten, harvest or collect personally identifiable information, or otherwise violate the legal rights of others, including rights of privacy or publicity; (b) to impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with any person or entity, or state or imply that we endorse any of your statements or Submissions (as defined below); or (c) for any other fraudulent or unlawful purpose;
• Interfere with or disrupt the operation of the Site or Services or the servers or networks used to make the Site or Services available (including by taking any action that imposes an unreasonable or disproportionately large load upon the Site or in connection with the Services or upon such servers or networks) or violate any requirements, procedures, policies or regulations of such servers or networks.
• Restrict or inhibit any other person from using the Site or Services (including by hacking or defacing the Site);
• Use the Site or Services to advertise or offer to sell or buy any goods or services.
• License, sublicense, transfer, assign, reproduce, duplicate, copy, sell, resell, distribute, or exploit for any commercial purposes the Site or Services or any access to or use of the Site or Services;
• Modify, adapt, make derivate works of, translate, reverse engineer, decompile or disassemble the Site or Services;
• Remove any copyright, trademark or other proprietary rights notice from the Site or Services or any materials available through the Site or Services;
• Frame or mirror any part of the Site or Services without FIT’s express prior written consent;
• Systematically download or store content from the Site or Services unless explicitly permitted as part of your purchase of a Program;
• Use any robot, spider, site search/retrieval application or other manual or automatic device to retrieve, index, “scrape,” “data mine” or in any way gather content of the Site or in connection with the Services or reproduce or circum-vent the navigational structure or presentation of the Site or Services without FIT’s express prior written consent. Notwithstanding the foregoing, FIT grants the operators of public search engines permission to use spiders to copy materials from the Site for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials. FIT reserves the right to revoke these exceptions either generally or in specific cases.
We may terminate your use of the Site or Services for any conduct that we con-sider to be inappropriate, or for your breach of this Agreement, including the rules of conduct set forth above (including, without limitation, if you repeatedly engage in copyright infringement via or in connection with the Site or Services).
7. Registration; User Names and Passwords. You may need to register to use all or part of the Site or Services. You represent and warrant that all information submitted to FIT in connection with such registration is complete and accurate. We may reject, or require that you change, for any reason, any user name, password or other information that you provide to us in registering. Your user name and password are for your personal use only and should be kept confidential; you) are solely responsible for any use or misuse of your user name or password, and you must promptly notify us of any confidentiality breach or unauthorized use of your user name or password, or your account. We are not liable for any loss or damage arising from your failure to comply with any of the foregoing obligations.
8. Forums. We and our service providers may make available through the Site or Services certain services (for example, message boards, forums, blogs, chat functionality, messaging functionality and comment functionality, among other services) to which you are able to post information and materials (each, a “Forum”).
9. Information contained in Forums may be provided by employees of FIT as well as by third-party visitors to the Site or Services. Please note that visitors to the Site or Services may post messages or make statements in the Forums that are inaccurate, misleading or deceptive. FIT and its directors, officers, employees, representatives, affiliates, licensors and service providers (collectively, with FIT, the “FIT Entities”) neither endorse nor are re-sponsible for any opinion, advice, information or statements made in the Forums by third parties. Without limitation, the FIT Entities are not responsible for any in-formation or materials made available through the Forums (including errors or omissions in Forum postings or links or images embedded in Forum postings) or results obtained by using any such information or materials. Under no circum-stances will the FIT Entities be liable for any loss or damage caused by your reliance on such information or materials. The opinions expressed in the Forums reflect solely the opinions of the individuals who submitted such opinions, and may not reflect the opinions of FIT.
In addition, the FIT Entities have no control over, and shall have no liability for, any damages resulting from the use (including republication) or misuse by any third party information voluntarily made public through a Forum or any other part of the Site or Services. IF YOU CHOOSE TO MAKE ANY OF YOUR PERSONALLY IDENTIFIABLE OR OTHER INFORMATION PUBLICLY AVAILABLE IN A FORUM OR OTHERWISE ON THE SITE OR SERVICES, YOU DO SO AT YOUR OWN RISK.
10. Submissions. The Site or Services may make available certain functionality (including Forums and e-mail addresses) through which you may be able to post, send or make available information and materials (each, a “Submission”). For purposes of clarity, you retain any ownership rights that you may have in any of the Submissions that you post, subject to the terms and conditions of this Agreement. For each Sub-mission that you make available through or in connection with the Site or Services, you hereby grant to us a world-wide, royalty-free, fully paid-up, non-exclusive, perpetual, irrevocable, transferable and fully sublicensable (through multiple tiers) license, without additional consideration to you or any third party, to reproduce, distribute, perform and display (publicly or otherwise), adapt, modify and otherwise use and exploit such Submission, in any format or media now known or here after developed, and for any purpose (including promotional purposes, such as displaying a user comment on the front page of the Site or Services as a testimonial), and you hereby represent and warrant that you have all necessary rights to grant the foregoing license. We may use Submissions for any purpose whatsoever without compensation to you or any other person. You are and remain responsible and liable for the content of any Submission.
Without limiting the rights granted above, if you are actively participating (including oral or written comments) at a FIT program, you consent to FIT’s recording of such participation in connection with such FIT program (“Program Participation”) and to the publication, distribution, exhibition and display of any Program Participa-tion. With regard to any written materials you submit in connection with a FIT pro-gram (“Program Submission”), you also consent to FIT’s reproduction, publication, distribution, exhibition and display of such Program Submissions. FIT may exer-cise or license these rights in all forms and media, whether now known or later developed, throughout the world. Your consent is irrevocable and extends to FIT and its successors, assigns and licensees, and includes the right to use your name, photograph, likeness, voice, statements and professional biography. FIT will not edit or change your presentation or materials.
All of the rights you are granting to FIT herein with respect to Program Participa-tion and Program Submissions are nonexclusive, and nothing will prevent you from repeating your Program Participation and republishing your Program Sub-mission elsewhere. You recognize that FIT, as the program producer, will be the copyright owner of the recording of any Program Participation in addition to any content provided to you as part of our Site or Services.
You confirm that you have the authority to grant the foregoing nonexclusive li-cense relating to Program Participation and Program Submissions and that your Program Participation and Program Submission will not violate the rights of any-one else. You also confirm that, to the extent your Program Participation or Pro-gram Submission includes third party material, you have obtained permission for the use of such third party material consistent with the scope of this license. Upon FIT’s request, you agree to provide FIT with satisfactory evidence of your permis-sion to use all third-party material by completing the “FIT Reprint Permission Form” or comparable evidence of reprint permission.
11. Feedback. Unless we expressly agree otherwise in writing, if you provide us with any ideas, proposals, suggestions or materials (including training materials) (“Input”), whether related to the Site, the Services or otherwise, you hereby acknowledge and agree that (a) your provision of any Input is gratuitous, unsolicited and without restriction and does not place FIT under any fiduciary or other obligation; and (b) any Input is not confidential and FIT has no confidentiality obligations with respect to such In-put. Without limiting the foregoing, all Input shall be deemed a Submission and li-censed to us pursuant to Section 10, above.
12. Monitoring. We may (but have no obligation to) monitor, evaluate or alter Submissions before or after they appear on the Site or in connection with the Services. We may dis-close any Submissions and the circumstances surrounding their transmission to anyone for any reason or purpose.
13. FIT’s Proprietary Rights. We and/or our licensors and suppliers own the information and materials made available through the Site and/or Services. Such information and materials are protected by copyright, trademark, patent and/or other proprietary rights and laws. Except as expressly authorized in advance by us, you agree not to reproduce, modify, rent, lease, loan, sell, distribute or create derivative works based on, all or any part of the Site or Services or any information or materials made available through the Site or Services.
Trade names, trademarks and service marks on the Sites or Services, including without limitation FINANCIAL INSIGHT TRAINING, the FIT logo (alone and in connection with any other FIT trade name and/or trademarks and service marks) and IFCOME, are owned by FIT. Such trade names, trademarks and service marks, whether registered or unregistered, may not be used in connection with any product or service that is not ours, or in any manner that is likely to cause confusion. Nothing contained on the Site or Services should be construed as granting, by implication, estoppel or otherwise, any license or right to use any such trade names, trademarks or service marks without the express prior written con-sent of the owner.
14. Purchases. We may make available products and services for purchase through the Site or Services, and we may use third-party suppliers and service providers to enable e-commerce functionality on our Site or Services. If you wish to purchase any product or service made available by us through the Site or Services or through our telephone or other sales channels (each such purchase, a “Transaction”), you may be asked to supply certain information relevant to your Transaction, including without limitation your credit card number, the expiration date of your credit card, your billing address, and your shipping information. YOU REPRESENT AND WARRANT THAT YOU HAVE THE LEGAL RIGHT TO USE ANY CREDIT CARD(S) UTILIZED IN CONNECTION WITH ANY TRANSACTION. FIT does not handle or store payment information. Our payments are processed through Stripe. By purchasing a Service through our Site, you are providing payment information to Stripe or such other third party payment provider we use to handle and process payments. If you payment information, you grant to FIT the right to provide such information to third parties for purposes of facilitating the completion of Transactions initiated by you or on your behalf. Verification of information may be required prior to the acknowledgment or completion of any Transaction.
FIT reserves the right, with or without prior notice, to limit the available quantity of or discontinue any product or service; to not honor, or impose conditions on the honoring of, any coupon, coupon code, promotional code or other similar promotions; to bar any user from making any or all Transaction(s); and/or to refuse to provide any user with any product or service. Fit 114 will not refund payments for a Program. You agree to pay all charges that may be incurred by you or on your behalf through the Site or Services, at the price(s) in effect when such charges are incurred. In addition, you remain responsible for any taxes that may be applicable to your Transactions. You agree that if you purchase any products or services from us in a Transaction, you will not resell such products or services unless we have provided our express prior written consent to do so.
13. Accuracy of Information; Products, Content and Specifications. We attempt to ensure that information provided on or in connection with the Site or Services is complete, accurate and current. Despite our efforts, such information may occasionally be inaccurate, incomplete or out of date. Accordingly, we make no representation as to the completeness, accuracy or currentness of such infor-mation, including all descriptions, images, references, features, content, specifications, products and prices of products and services described or depicted on the Site or Services. Such information is also subject to change at any time without notice. Descriptions and images of, and references to, third-party products or ser-vices available in connection with the Site or Services do not imply FIT’s en-dorsement of such third-party products or services. The inclusion of any products or services on the Site or Services at a particular time does not imply or warrant that these products or services will be available at any time. It is your responsibility to ascertain and obey all applicable local, state, federal and international laws (including minimum age requirements) in regard to the possession, use and sale of any item purchased from the Site or in connection with the Services. By placing an order, you represent that the products ordered will be used only in a lawful manner.
14. Third Party Content; Links. The Site or Services may incorporate certain functionality that allows the routing and transmission of, and online access to, certain digital communications and con-tent made available by third parties, including social media providers (such com-munications and content, “Third Party Content”). By using such functionality, you acknowledge and agree that you are directing us to access and transmit to you Third Party Content associated with such functionality. The Site or Services may provide links to other web sites and online resources that include Third Party Con-tent. We do not control Third Party Content, and you agree that the FIT Entities are neither responsible nor liable for any Third Party Content, including the accu-racy, integrity, quality, legality, usefulness, or safety of, or intellectual property rights relating to, Third Party Content. We have no obligation to monitor Third Par-ty Content, and we may block or disable access to any Third Party Content (in whole or part) via the Site or Services at any time. Your access to or receipt of Third Party Content via the Site or Services does not imply our endorsement of, or our affiliation with any provider of, such Third Party Content. Further, your use of Third Party Content may be governed by additional terms and conditions that are not set forth in this Agreement or our Privacy Policy (for example, terms and con-ditions that are made available by the providers of such Third Party Content). This Agreement does not create any legal relationship between you and the providers of such Third Party Content with respect to such Third Party Content, and nothing in this Agreement shall be deemed to be a representation or warranty by any of the FIT Entities with respect to any Third Party Content. YOU AGREE THAT YOUR USE OF THIRD PARTY CONTENT IS AT YOUR OWN RISK AND IS SUBJECT TO THE TERMS AND CONDITIONS OF USE APPLICABLE TO SUCH THIRD PARTY CONTENT.
15. DISCLAIMER OF WARRANTIES. THE SITE, SERVICES AND ANY GOODS MADE AVAILABLE THROUGH OR IN CONNECTION WITH THE SITE OR SERVICES ARE PROVIDED TO YOU “AS IS” WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IM-PLIED OR STATUTORY. YOU AGREE THAT YOU MUST EVALUATE, AND THAT YOU BEAR ALL RISKS ASSOCIATED WITH, THE USE OF THE SITE OR SERVICES, INCLUDING WITHOUT LIMITATION, ANY RELIANCE ON THE AC-CURACY, COMPLETENESS OR USEFULNESS OF ANY MATERIALS AVAILA-BLE THROUGH THE SITE OR SERVICES. THE FIT ENTITIES DISCLAIM ALL WARRANTIES WITH RESPECT TO THE SITE, SERVICES AND ANY GOODS OBTAINED OR MADE AVAILABLE THROUGH OR IN CONNECTION WITH THE SITE OR SERVICES (INCLUDING WITHOUT LIMITATION, THIRD PARTY PRODUCTS AND SERVICES) TO THE FULLEST EXTENT PERMISSIBLE UN-DER APPLICABLE LAW, INCLUDING THE WARRANTIES OF MERCHANTABIL-ITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT AND TITLE.
16. LIMITATION OF LIABILITY. THE FIT ENTITIES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR PUNITIVE DAMAGES OF ANY KIND, UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY, INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, USE, DATA, LOSS OF OTHER INTANGIBLES, LOSS OF SECURITY OF INFORMATION YOU HAVE PROVIDED IN CONNECTION WITH YOUR USE OF THE SITE OR SERVICES , OR UNAUTHORIZED INTERCEPTION OF ANY SUCH INFORMATION BY THIRD PARTIES, EVEN IF ADVISED IN ADVANCE OF SUCH DAMAGES OR LOSSES. IN PARTICULAR, AND WITHOUT LIMITA-TION, THE FIT ENTITIES WILL NOT BE LIABLE FOR DAMAGES OF ANY KIND RESULTING FROM YOUR ACCESS TO OR USE OF, OR INABILITY TO AC-CESS OR USE, THE SITE OR SERVICES, OR FROM ANY CONTENT POSTED ON THE SITE OR IN CONNECTION WITH THE SERVICES BY FIT OR ANY THIRD PARTY. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFAC-TION WITH THE SITE OR SERVICES IS TO STOP USING THE SITE OR SER-VICES. THE MAXIMUM LIABILITY OF FIT FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING WITH-OUT LIMITATION NEGLIGENCE) OR OTHERWISE, SHALL BE THE TOTAL AMOUNT, IF ANY, PAID BY YOU TO FIT TO ACCESS AND USE THE SITE OR SERVICES.
While we try to maintain the integrity and security of the Site and Services and the servers from which the Site and Services are operated, we do not guarantee that the Site or Services will be or remain secure, complete or correct, or that access to the Site or Services will be uninterrupted. The Site or Services may include in-accuracies, errors and materials that violate or conflict with this Agreement. Addi-tionally, third parties may make unauthorized alterations to the Site or Services. If you become aware of any unauthorized third party alteration to the Site or Services, contact us at info@financialinsighttraining.com with a description of the material(s) at issue and the URL or location on the Site or Services where such mate-rial(s) appear.
17. Indemnity. Except to the extent prohibited under applicable law, you agree to defend, indemnify and hold harmless each of the FIT Entities from and against all claims, losses, costs and expenses (including attorneys’ fees) arising out of (a) your use of, or activities in connection with, the Site or Services; (b) any violation or alleged violation of this Agreement by you; or (c) any claim that any of your Submissions (including any Program Participation and Program Submission) or any use or exploitation thereof caused damage to or infringed upon or violated the rights of a third party, including past, present or future infringement, misappropriation, libel, defamation, invasion of privacy or right of publicity, or violation of any right related to the foregoing.
18. Termination. This Agreement is effective until terminated. FIT may terminate your access to or use of the Site or Services, at any time and for any reason, including if FIT be-lieves that you have violated or acted inconsistently with the letter or spirit of this Agreement. Upon any such termination, your right to access or use the Site or Services will immediately cease. You agree that any termination of your access to or use of the Site or Services may be effected without prior notice, and that FIT may immediately deactivate or delete your password and user name, and all related information and files associated with it, and/or bar any further access to such information or files. You agree that FIT shall not be liable to you or any third party for any termination of your access to the Site or Services or to any such information or files, and shall not be required to make such information or files available to you after any such termination. Sections 2-4 and 6-20 shall survive any expiration or termination of this Agreement.
19. Governing Law and Arbitration. This Agreement is governed by the laws of the State of New York, U.S.A., without regard to its conflicts of law provisions, and regardless of your location. ALL DIS-PUTES ARISING OUT OF OR RELATED TO THIS AGREEMENT OR ANY AS-PECT OF THE RELATIONSHIP BETWEEN YOU AND FIT, WHETHER BASED IN CONTRACT, TORT, STATUTE, FRAUD, MISREPRESENTATION OR ANY OTHER LEGAL THEORY, SHALL BE RESOLVED THROUGH FINAL AND BIND-ING ARBITRATION BEFORE A NEUTRAL ARBITRATOR INSTEAD OF IN A COURT BY A JUDGE OR JURY AND, BY YOUR ACCESS TO OR USE OF THIS SITE OR SERVICES, YOU AGREE THAT YOU AND FIT ARE EACH WAIVING OUR RIGHT TO TRIAL BY A JURY. BY YOUR ACCESS TO OR USE OF THE SITE OR SERVICES, YOU AGREE THAT ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ARBI-TRATIONS AND CLASS ACTIONS ARE NOT PERMITTED AND, BY YOUR AC-CESS TO OR USE OF THE SITE OR SERVICES, YOU ARE AGREEING TO GIVE UP THE ABILITY TO PARTICIPATE IN A CLASS ACTION. The arbitration will be administered by the American Arbitration Association under its Commercial Arbitration Rules, as amended by this Agreement. Any in-person hearings or ap-appearances shall be held in New York County, State of New York, U.S.A. Arbitration proceedings shall be conducted in a manner that preserves confidentiality. The arbitrator’s decision shall follow this Agreement and shall be final and binding. The arbitrator shall have authority to award temporary, interim or permanent injunctive relief or relief providing for specific performance of this Agreement, but only to the extent necessary to provide relief warranted by the individual claim before the arbitrator. The award rendered by the arbitrator may be confirmed and enforced in any court having jurisdiction thereof.
20. Contact Us. If you have any questions regarding the meaning or application of this Agreement, please direct such questions to info@financialinsighttraining.com. Please note that e-mail communications will not necessarily be secure; accordingly you should not include credit card information or other sensitive information in your e-mail correspondence with us.
21. Copyright Infringement Claims. The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that materials available on the Site or in connection with the Services infringe your copyright, you (or your agent) may send FIT a written notice by mail, email or fax, requesting that FIT remove the material or block access to it. If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the DMCA permits you to send FIT a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA. See http://www.copyright.gov/ for details. Notices and counter-notices should be sent to FIT’s DMCA Agent: by mail to
DMCA Agent
Financial Insight Training
1120 Avenue of the Americas
4th Floor
New York, NY 10036;
by email to info@financialinsighttraining.com; or by fax to 732.246.7347.
We suggest that you consult your legal advisor before submitting a notice or counter-notice.
22. Filtering. Pursuant to 47 U.S.C. Section 230(d) as amended, we hereby notify you that pa-rental control protections (such as computer hardware, software or filtering ser-vices) are commercially available that may assist you in limiting access to material that is harmful to minors. Information identifying current providers of such protections is available on the two web sites GetNetWise (http://http://www.getnetwise.org/) and On Guard Online (http://onguardonline.gov/). Please note that FIT does not endorse any of the products or services listed at such sites.
23. Notice for California Residents. Under California Civil Code Section 1789.3, California users are entitled to the following consumer rights notice:
If you have a question or complaint regarding the Site or Services, please contact us by writing to:
Director of Marketing,
Financial Insight Training,
1120 Avenue of the Americas,
4th Floor,
New York, NY 10036;
by email to info@financialinsighttraining.com or by fax to 732.246.7347. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at 916.445.1254 or 800.952.5210.
24. Miscellaneous. This Agreement does not, and shall not be construed to, create any partnership, joint venture, employer-employee, agency or franchisor-franchisee relationship between you and FIT. If any provision of this Agreement is found to be unlawful, void or for any reason unenforceable, that provision will be deemed severable from this Agreement and will not affect the validity and enforceability of any re-maining provision. You may not assign, transfer or sublicense any or all of your rights or obligations under this Agreement without our express prior written con-sent, and any prohibited assignment, transfer or sublicense is void. We may as-sign, transfer or sublicense any or all of our rights or obligations under this Agree-ment without restriction. No waiver by either party of any breach or default here-under will be deemed to be a waiver of any preceding or subsequent breach or default. Any heading, caption or section title contained herein is inserted only as a matter of convenience, and in no way defines or explains any section or provision hereof. This, together with all policies referred to herein, is the entire Agreement between you and FIT relating to the subject matter herein and supersedes any and all prior or contemporaneous written or oral agreements or understandings between you and FIT relating to such subject matter. Notices to you may be made via posting to the Site or through the Services, by e-mail, or by regular mail, in FIT’s discretion. The Site or Services may also provide notices of changes to this Agreement or other matters by displaying such notices or by providing links to such notices. Without limitation, you agree that a printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. FIT will not be responsible for failures to fulfill any obligations due to causes beyond its control.
At Financial Insight Training (“FIT”) we care about your privacy. This Privacy Policy (the “Privacy Policy”) explains how we collect, use and disclose information, including information you provide to us through our accounts, our FIT mobile application and our websites at http://www.financialinsighttraining.com, https://www.financialinsightapp.com/ (the mobile application and the websites together, the “Site”), and elsewhere from which you are accessing this Privacy Policy, through our social media pages located at https://www.facebook.com/financialinsighttraining/ and https://www.linkedin.com/company/financial-insight-training (collectively, our “Social Media Pages”) as well as through HTML-formatted email messages that we send to you that link to this Privacy Policy (the Site and our Social Media Pages are together referred to as the “Services”).
FIT educates its users about behavioral finance and how to apply this information in everyday life. We offer live and recorded seminars, webcasts and publications, including, but not limited to, handouts, checklists and worksheets.
CONSENT:
To create an account, and to use our Site and services, you have to accept our Terms of Use and our Privacy Policy. By agreeing to the Terms of Service and the Privacy Policy, you consent to FIT collecting, processing, and sharing your Personal Information as described in this Privacy Policy. If you do not wish to accept this Privacy Policy or our Terms of Use, please DO NOT use our Site or services.
PERSONAL INFORMATION
Personal Information We May Collect
“Personal Information” is information that identifies you as an individual, which may include your name, shipping and billing addresses, telephone number, email address, credit card or other payment information and your FIT username and password.
You represent that you have the authority to submit any Personal Information you provide us with and to permit us to use the information in accordance with this Privacy Policy. Please DO NOT submit any Personal Information relating to other people to us or to our service providers.
How We May Collect Personal Information
We and our service providers may collect Personal Information in a variety of ways, including:
• Through the Services:
We may collect Personal Information through the Services, e.g., when you register for a seminar or webcast, order and view live and on-demand streaming media, make a purchase, or any comments you voluntarily post on our Services. We may also collect information you provide when you participate in community discussions, chats, or when you communicate with other members using FIT’s forum area on its Site. Any information you provide in these areas can be read, collected, and used by other participants in these communications. Further, we collect Personal Information when you voluntarily participate in contests and special promotions we run through our Services. Information you provide in communications with FIT’s online member services may also be collected.
• Offline:
We may collect Personal Information from you offline, such as when you attend one of our seminars, place an order over the phone or contact customer service.
• From Other Sources:
We may receive your Personal Information from other sources, such as public databases; joint marketing partners; social media platforms; from people with whom you are friends or otherwise connected on social media platforms, as well as from other third parties.
How We May Use Personal Information
We and our service providers may use Personal Information:
• To respond to your inquiries and fulfill your requests, such as to send you newsletters and e-mails.
• To send administrative information to you, for example, information regarding the Services and changes to our terms, conditions, and policies.
• To complete and fulfill your purchase, for example, to process your payments, have your order or order receipt delivered to you, communicate with you regarding your purchase and provide you with related customer service.
• To send you marketing communications that we believe may be of interest to you.
• To personalize your experience on the Services by presenting products and offers tailored to you.
• To facilitate social sharing functionality.
• To allow you to send messages to a friend through the Services. By using this functionality, you are telling us that you are entitled to use and provide us with your friend’s name and email address
• For our business purposes, such as data analysis, audits, fraud monitoring and prevention, developing new products, enhancing, improving or modifying our Services, identifying usage trends, determining the effectiveness of our promotional campaigns and operating and expanding our business activities.
• As we believe to be necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities, including public and government authorities outside your country of residence; (d) to enforce our terms of services; (e) to protect our operations; (f) to protect our rights, privacy, safety or property, and/or that of you or others; and (g) to allow us to pursue available remedies or limit the damages that we may sustain.
How Personal Information May Be Disclosed
Your Personal Information may be disclosed:
• To our third party service providers who provide services such as data analysis, payment processing, order fulfillment, information technology and related infrastructure provision, customer service, email delivery, credit card processing, auditing and other similar services.
• By you, on message boards, chat, profile pages and blogs and other services to which you are able to post information and materials (including, without limitation, our Social Media Pages). Any information you post or disclose through these Services will become public information, and may be available to users of the Services and to the general public. We urge you to be very careful when deciding to disclose your Personal Information, or any other information, on the Services. Any information you disclose on a website or platform other than ours is subject to the privacy policy and terms of service of such third party service provider. Please review those terms and privacy policy carefully prior to using such third party service.
• To a third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including in connection with any bankruptcy or similar proceedings).
• As we believe to be necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to enforce our terms and conditions; (e) to protect our operations; (f) to protect our rights, privacy, safety or property, and/or that of you or others; and (g) to allow us to pursue available remedies or limit the damages that we may sustain.
OTHER INFORMATION
Other Information We May Collect
“Other Information” is any information that does not reveal your specific identity or does not directly relate to an individual, including:
• Browser and device information;
• Information collected through cookies, pixel tags and other technologies;
• Demographic information and other information provided by you;
• Aggregated information.
We and our third party service providers may collect Other Information in a variety of ways, including through your browser or device. Certain information is collected by most browsers or automatically through your device, such as your Media Access Control (MAC) address, computer type (Windows or Macintosh), screen resolution, operating system name and version, device manufacturer and model, language, Internet browser type and version and the name and version of the Services you are using. We use this information to ensure that the Services function.
”Cookies”: Cookies are pieces of information stored directly on the computer that you are using. Cookies allow us to collect information such as browser type, time spent on the Services, pages visited, language preferences, searches run, and other anonymous traffic data. We and our service providers use the information for security purposes, to facilitate navigation, display information more effectively, and to personalize your experience while using the Services. We can recognize your computer to assist your use of the Services. We also gather statistical information about the usage of the Services in order to continually improve the design and functionality, understand how the Services are used and to assist us with resolving questions regarding the Services. Cookies further allow us to select which of our advertisements or offers are most likely to appeal to you and display them while you are on the Services. We may also use cookies in online advertising to track responses to our advertisements.
If you do not want information collected through the use of cookies, you may be able to decline cookies; however, if you do not accept these cookies, you may experience some inconvenience in your use of the Services. For example, we may not be able to recognize your computer and you may need to log in every time you visit the applicable Services. You also may not receive advertising or other offers from us that are relevant to your interests and needs. If you decline cookies for Financial Insight Training program, you will not be able to log in or search.
We may use third-party services, such as Google Analytics, in connection with the Services. Such third-party services, including Google Analytics, may use cookies and similar technologies to collect and analyze information about Services use and to report on activities and trends. Such services may also collect information regarding the use of other websites, apps and online resources. For more information regarding Google Analytics, please go to www.google.com/policies/privacy/partners/; you can download the Google Analytics opt-out browser add-on at https://tools.google.com/dlpage/gaoptout.
Pixel tags (also known as web beacons and clear GIFs) may be used in connection with some Services to, among other things, track the actions of users of the Services (including email recipients), measure the success of our marketing campaigns and compile statistics about usage of the Services and response rates.
We may use Adobe Flash technology (including Flash Local Shared Objects (“FlashLSOs”)) and other similar technologies to, among other things, collect and store information about your use of the Services. If you do not want Flash LSOs stored on your computer, you can adjust the settings of your Flash player to block Flash LSO storage using the tools contained in the Site Storage Settings Panel. You can also control Flash LSOs by going to the Global Storage Settings Panel and following the instructions (which may include instructions that explain, for example, how to delete existing Flash LSOs (referred to “information” on the Macromedia site), how to prevent Flash LSOs from being placed on your computer without your being asked, and (for Flash Player 8 and later) how to block Flash LSOs that are not being delivered by the operator of the page you are on at the time). Please note that setting the Flash Player to restrict or limit acceptance of Flash LSOs may reduce or impede the functionality of some Flash applications, including, potentially, Flash applications used in connection with the Services or our online content.
Your “IP Address” is a number that is automatically assigned to the computer that you are using by your Internet Service Provider (ISP). An IP Address may be identified and logged automatically in our server log files whenever a user accesses the Services, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice and is done automatically by many websites, applications and other services. We use IP Addresses for purposes such as calculating usage levels of the Services, helping diagnose server problems, and administering the Services.
We collect information such as your location, your preferred means of communication, as well as other information when you voluntarily provide this information. Unless combined with Personal Information, this information does not personally identify you or any other user of the Services.
We may have access to aggregated Personal Information. Aggregated Personal Information does not personally identify you or any other user of the Services. For example, we may aggregate Personal Information to calculate the percentage of our users who have a particular telephone area code.
How We May Use and Disclose Other Information
Please note that we may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law. If we are required to treat Other Information as Personal Information under applicable law, then we may use it as described in “How We May Collect Other Information” section above, as well as for all the purposes for which we use and disclose Personal Information.
In some instances, we may combine Other Information with Personal Information (such as combining your name with your geographical location). If we combine any Other Information with Personal Information, the combined information will be treated by us as Personal Information as long as it is combined.
THIRD PARTY SERVICES
This Privacy Policy does not address, and we are not responsible for, the privacy, information or other practices of any third parties, including any third party operating any site or service to which the Services link. The inclusion of a link on the Services does not imply our endorsement of the linked site or service.
We are not responsible for the collection, usage and disclosure policies and practices (including the data security practices) of other organizations, such as Facebook, Apple, Google, Microsoft, RIM or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider or device manufacturer, including any Personal Information you disclose to other organizations through or in connection with our Social Media Pages.
SECURITY
We seek to use reasonable organizational, technical and administrative measures to protect Personal Information within our organization. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us of the problem by contacting us in accordance with the “Contact Us” section below.
CHOICES AND ACCESS
Your choices regarding our use and disclosure of your Personal Information
We give you many choices regarding our use and disclosure of your Personal Information for marketing purposes. You may opt-out from:
• Receiving electronic communications from us: If you no longer want to receive marketing-related emails from us on a going-forward basis, you may opt-out of receiving these marketing-related emails by following the unsubscribe instructions included in each marketing-related email.
• Receiving telephone calls, fax messages or postal mail from us: If you no longer want to receive marketing-related telephone calls or postal mail from us on a going-forward basis, you may opt-out of receiving these marketing communications by sending an email to privacy@financialinsighttraining.com and specifying the contact information used and form of marketing from which you are opting out.
We will try to comply with your request(s) as soon as reasonably practicable. Please also note that if you do opt-out of receiving marketing-related emails from us, we may still send you important administrative messages while you are a member, and you cannot opt-out from receiving administrative messages.
How You Can Access, Change or Suppress your Personal Information
If you would like to review, correct, update, suppress, or delete Personal Information that has been previously provided to us by you, you may contact us by writing to:
Director of Marketing
Financial Insight Training
1120 Avenue of the Americas, 4th Floor
New York, NY 10036
Email: info@financialinsighttraining.com
In your request, please make clear what Personal Information you would like to have changed, whether you would like to have your Personal Information that you have provided to us suppressed from our database or otherwise let us know what limitations you would like to put on our use of your Personal Information that you have provided to us. For your protection, we may only implement requests with respect to the Personal Information associated with the particular email address that you use to send us your request, and we may need to verify your identity before implementing your request. We will try to comply with your request as soon as reasonably practicable.
Please note that we may need to retain certain information for recordkeeping purposes and/or to complete any transactions that you began prior to requesting such change or deletion (e.g., when you make a purchase, you may not be able to change or delete the Personal Information provided until after the completion of such purchase). There may also be residual information that will remain within our databases and other records, which will not be removed.
RETENTION PERIOD
We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law.
USE OF SERVICES BY MINORS
The Services are not directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personal Information through the Services.
CROSS-BORDER TRANSFER
The Services are controlled and operated by us from the United States, and are not intended to subject us to the laws or jurisdiction of any state, country or territory other than that of the United States. Your Personal Information may be stored and processed in any country where we have facilities or in which we engage service providers, and by using the Services you consent to the transfer of information to countries outside of your country of residence, including the United States, which may have different data protection rules than those of your country.
SENSITIVE INFORMATION
Please do not not send us, or otherwise disclose to us, any sensitive Personal Information (e.g., social security numbers, information related to racial or ethnic origin, political opinions, religion or other beliefs, health, criminal background or trade union membership) on or through the Services or otherwise .
California’s Shine the Light Law
California Civil Code Section 1798.83, known as the “Shine the Light” law, permits Users who are California residents to request and obtain from us a list of what Personal Information (if any) we disclosed to third parties for their direct marketing purposes in the preceding calendar year and the names and addresses of those third parties. Requests may be made only once a year and are free of charge. Under Section 1798.83, we currently do not share any Personal Information with third parties for their own direct marketing purposes.
UPDATES TO THIS PRIVACY POLICY
We may change this Privacy Policy. Please take a look at the “LAST UPDATED” legend at the top of this page to see when this Privacy Policy was last revised. Any changes to this Privacy Policy will become effective when we post the revised Privacy Policy on the Services. Your use of the Site or Services following these changes means that you accept the revised Privacy Policy. If you do not accept a revised Privacy Policy, please do not continue using the Site or Services.
CONTACTING US
If you have any questions about this Privacy Policy, please contact us by email at info@financialinsighttraining.com, or please write to the following address:
Director of Marketing
Financial Insight Training
1120 Avenue of the Americas, 4th Floor
New York, NY 10036
Email: info@financialinsighttraining.com
Please note that email communications are not always secure; so please do not include credit card information or sensitive information in your emails to us.
Please read these Terms of Service (the “Agreement”) carefully, they govern your use of online services and digital products of FIT 114 Inc. (“FIT” or “we” or “us”), including but not limited to our FIT mobile application and our websites at http://www.financialinsighttraining.com, https://www.financialinsightapp.com/, all subdomains of http://www.financialinsighttraining.com and https://www.financialinsightapp.com/ (the “Site”), and all features, content and products and services offered on or through the Site, including but not limited to the Financial Insight Training program, other Programs as further defined below, software and other downloads (collectively, the “Services”).
Your use of the Site and Services is governed by this Agreement regardless of how you access the Site or Services. If you do not agree to this Agreement, please DO NOT use our Site or Services.
1. Acceptance of Terms. Your use of the Site or Services require your acceptance of this Agreement. FIT reserves the right to update or make changes to this Agreement from time to time and may provide you with notice of such changes by any reasonable means, including without limitation, by posting the revised version of this Agreement on the Site or in connection with the Services. Your continued access to or use of the Site or Services following changes to this Agreement will require your acceptance of those changes.
BY ACCEPTING THE SERVICES, ACCESSING OR USING THE SITE OR SER-VICES, YOU AFFIRM THAT YOU ARE OF LEGAL AGE TO ENTER INTO THIS AGREEMENT AND THAT YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT.
We reserve the right, at any time, temporarily or permanently, in whole or in part, to: modify or discontinue the Site or Services, with or without notice; charge fees in connection with the use of the Site or Services; modify or waive any fees charged in connection with the Site or Services; or offer opportunities to some or all users of the Site or Services. You agree that we shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Site or of any Service, content, feature or product, in whole or in part. Your continued access to or use of the Site or Services after such changes will indicate your acceptance of such changes.
2. Memberships, Price, No Refund. Our Services are offered for purchase online and otherwise. We offer certain membership programs to our Services (“Programs”). Our Programs are annual or as otherwise specified in the specific program and our Programs will be available for their duration. By signing up for a Program, you agree to make payment of the amount due in full at the respective due dates, even if you agree to pay in monthly installments. You acknowledge and agree that FIT is not obligated to, and will neither offer nor pay a full or partial refund for a Program you choose not to participate in, a Program you no longer wish to participate in, or a Program you only partially participated in, for any reason.
FIT may, in its sole discretion, offer a refund or credit towards other Programs should FIT decide to withdraw a Program prior to its start or end date.
3. Site and Services Information. We provide users of the Site and/or Ser-vices with access to certain content and Services related to behavioral finance and how to apply this information in everyday life in the form of live and recorded seminars, webcasts and publications, including, but not limited to, handouts, checklists and worksheets, which may include, without limitation: (a) seminar registration; (b) live streaming media (e.g., webcasts and groupcasts) and on-demand streaming media; (c) downloadable audio and video courses; (d) simulated testing software; (e) downloadable presentation materials; (f) downloadable publications; (g) blogs; and (h) transcripts (such content and services also part of the “Services”).
You are solely responsible for access to our Sites and Services, including but not limited to your hardware and internet connection. The technical quality (e.g., the resolution) of streaming content, as well as the download speed of downloadable content, may be affected by a variety of factors such as your location, the content being streamed or downloaded and the speed of your Internet connection. FIT makes no representation or warranty regarding access to content available through the Site or in connection with Services, including the quality of streaming content and the download speed of downloadable content.
The content provided through the Site and/or in connection with the Services is designed to provide practical and useful information on the subject matter covered. WHILE SUCH CONTENT MAY CONCERN INVESTMENT ISSUES, FI-NANCE RELATED ISSUES, LEGAL ISSUES, ACCOUNTING ISSUES OR OTH-ER ISSUES RELATED TO PROFESSIONAL SERVICES, SUCH CONTENT IS NOT INVESTMENT ADVICE, FINANCIAL ADVICE, LEGAL ADVICE, ACCOUNT-ING ADVICE OR OTHER PROFESSIONAL SERVICES ADVICE. YOU SHOULD NOT ACT OR REFRAIN FROM ACTING ON THE BASIS OF ANY CONTENT INCLUDED ON THIS SITE OR IN CONNECTION WITH THE SERVICES WITH-OUT SEEKING THE ADVICE OF A COMPETENT PROFESSIONAL IN THE AP-PLICABLE SUBJECT MATTER. FIT EXPRESSLY DISCLAIMS ALL LIABILITY IN RESPECT OF ACTIONS TAKEN OR NOT TAKEN BASED ON ANY CONTENT OF THIS SITE OR IN CONNECTION WITH THE SERVICES. YOU ACKNOWLEDGE AND AGREE THAT THE CONTENT IS NOT PROVIDED FOR THE PURPOSE OF RENDERING INVESTMENT, FINANCE, LEGAL, AC-COUNTING OR OTHER PROFESSIONAL SERVICES. IF YOU BELIEVE YOU NEED ADVICE OR OTHER EXPERT ASSISTANCE IN ONE OR MORE OF THE ABOVE AREAS, YOU SHOULD SEEK THE SERVICES OF A COMPETENT PROFESSIONAL.
USE OF THE SITE AND/OR SERVICES IS NOT INTENDED TO CONSTITUTE, AND DOES NOT CONSTITUTE, A SOLICITATION FOR THE FORMATION OF AN ATTORNEY-CLIENT RELATIONSHIP. NO ATTORNEY-CLIENT RELA-TIONSHIP IS CREATED THROUGH YOUR USE OF THE SITE OR SERVICES. MOREOVER, NEITHER RECEIPT OF INFORMATION PRESENTED ON THE SITE OR IN CONNECTION WITH THE SERVICES NOR ANY EMAIL OR OTH-ER ELECTRONIC COMMUNICATION SENT THROUGH THE SITE OR IN CONNECTION WITH THE SERVICES WILL CREATE AN ATTORNEY-CLIENT RELATIONSHIP, AND ANY SUCH EMAIL OR COMMUNICATION WILL NOT BE TREATED AS CONFIDENTIAL.
4. Jurisdictional Issues. The Site and the Services are controlled and operated by FIT from the United States, and are not intended to subject FIT to the laws or jurisdiction of any state, country or territory other than that of the United States. FIT neither represents nor warrants that the Site or the Services or any part thereof is appropriate or available for use in any particular jurisdiction other than the United States. In choosing to access the Site or Services, you do so on your own initiative and at your own risk, and you are responsible for complying with all local laws, rules and regulations. You are also subject to United States ex-port controls and are responsible for any violations of such controls, including any United States embargoes or other federal rules and regulations restricting ex-ports. We may limit the availability of the Site or the Services, in whole or in part, to any person, geographic area or jurisdiction we choose, at any time. Not all products or services described on the Site or the Services are available in all states or territories.
5. Information Submitted Through the Site and/or Services. Your sub-mission of information through the Site or in connection with the Services is governed by FIT’s Privacy Policy, which is located at https://www.financialinsighttraining.com/privacy-policy (the “Privacy Policy”). You agree that all information that you provide to us is true, accurate and complete, and that you will maintain and update such information regularly.
6. Rules of Conduct. You must comply with all applicable laws, rules and regulations while accessing or using the Site and/or Services. In addition, we expect users to respect the rights and dignity of others. Your use of the Site and/or Services is conditioned upon your compliance with the rules set forth in this section. You must not:
• Post, transmit, or otherwise make available, through or in connection with the Site or Services, (a) anything that could be (i) threatening, harassing, discriminatory, degrading, hateful or intimidating; (ii) defamatory, fraudulent or other-wise tortious; (iii) obscene, indecent, pornographic or otherwise objectionable; or (iv) related to alcohol, wagering, gambling, tobacco products, ammunition or firearms; (b) anything that could give rise to criminal or civil liability (including any material protected by copyright, trademark, trade secret, right of publicity, or any other proprietary right for which you do not have the express prior consent of the owner of such right or in violation of any contractual, fiduciary or other legal obligation), or that encourages conduct that would constitute a criminal offense; (c) any virus, worm, Trojan horse, Easter egg, time bomb, spyware, or other computer code, file or program that is potentially harmful or invasive, or may or is intended to damage or hijack the operation of, or to monitor the use of, any hardware, software or equipment; (d) any unsolicited or unauthorized advertising, promotional material, “junk mail,” “spam,” “chain letter,” “pyramid scheme,” investment opportunity or other form of solicitation; or (e) any material, non-public information about a company or any securities or other financial instrument, without the proper authorization to do so;
• Use the Site or Services (a) to defame, abuse, harass, stalk, threaten, har-vest or collect personally identifiable information, or otherwise violate the legal rights of others, including rights of privacy or publicity; (b) to impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with any person or entity, or state or imply that we endorse any of your statements or Submissions (as defined below); or (c) for any other fraudulent or unlawful purpose;
• Interfere with or disrupt the operation of the Site or Services or the servers or networks used to make the Site or Services available (including by taking any action that imposes an unreasonable or disproportionately large load upon the Site or in connection with the Services or upon such servers or networks) or violate any requirements, procedures, policies or regulations of such servers or networks.
• Restrict or inhibit any other person from using the Site or Services (including by hacking or defacing the Site);
• Use the Site or Services to advertise or offer to sell or buy any goods or ser-vices.
• License, sublicense, transfer, assign, reproduce, duplicate, copy, sell, resell, distribute, or exploit for any commercial purposes the Site or Services or any access to or use of the Site or Services;
• Modify, adapt, make derivate works of, translate, reverse engineer, decompile or disassemble the Site or Services;
• Remove any copyright, trademark or other proprietary rights notice from the Site or Services or any materials available through the Site or Services;
• Frame or mirror any part of the Site or Services without FIT’s express prior written consent;
• Systematically download or store content from the Site or Services unless explicitly permitted as part of your purchase of a Program;
• Use any robot, spider, site search/retrieval application or other manual or automatic device to retrieve, index, “scrape,” “data mine” or in any way gather content of the Site or in connection with the Services or reproduce or circum-vent the navigational structure or presentation of the Site or Services without FIT’s express prior written consent. Notwithstanding the foregoing, FIT grants the operators of public search engines permission to use spiders to copy materials from the Site for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials. FIT reserves the right to revoke these exceptions either generally or in specific cases.
We may terminate your use of the Site or Services for any conduct that we con-sider to be inappropriate, or for your breach of this Agreement, including the rules of conduct set forth above (including, without limitation, if you repeatedly engage in copyright infringement via or in connection with the Site or Services).
7. Registration; User Names and Passwords. You may need to register to use all or part of the Site or Services. You represent and warrant that all information submitted to FIT in connection with such registration is complete and ac-curate. We may reject, or require that you change, for any reason, any user name, password or other information that you provide to us in registering. Your user name and password are for your personal use only and should be kept confidential; you) are solely responsible for any use or misuse of your user name or password, and you must promptly notify us of any confidentiality breach or unauthorized use of your user name or password, or your account. We are not liable for any loss or damage arising from your failure to comply with any of the foregoing obligations.
8. Forums. We and our service providers may make available through the Site or Services certain services (for example, message boards, forums, blogs, chat functionality, messaging functionality and comment functionality, among other services) to which you are able to post information and materials (each, a “Forum”).
9. Information contained in Forums may be provided by employees of FIT as well as by third-party visitors to the Site or Services. Please note that visitors to the Site or Services may post messages or make statements in the Forums that are inaccurate, misleading or deceptive. FIT and its directors, officers, employees, representatives, affiliates, licensors and service providers (collectively, with FIT, the “FIT Entities”) neither endorse nor are responsible for any opinion, advice, information or statements made in the Forums by third parties. Without limitation, the FIT Entities are not responsible for any information or mate-rials made available through the Forums (including errors or omissions in Forum postings or links or images embedded in Forum postings) or results obtained by using any such information or materials. Under no circumstances will the FIT Entities be liable for any loss or damage caused by your reliance on such information or materials. The opinions expressed in the Forums reflect solely the opinions of the individuals who submitted such opinions, and may not reflect the opinions of FIT.
In addition, the FIT Entities have no control over, and shall have no liability for, any damages resulting from the use (including republication) or misuse by any third party information voluntarily made public through a Forum or any other part of the Site or Services. IF YOU CHOOSE TO MAKE ANY OF YOUR PERSONALLY IDENTIFIABLE OR OTHER INFORMATION PUBLICLY AVAILABLE IN A FO-RUM OR OTHERWISE ON THE SITE OR SERVICES, YOU DO SO AT YOUR OWN RISK.
10. Submissions. The Site or Services may make available certain functionality (including Forums and e-mail addresses) through which you may be able to post, send or make available information and materials (each, a “Submission”). For purposes of clarity, you retain any ownership rights that you may have in any of the Submissions that you post, subject to the terms and conditions of this Agreement. For each Submission that you make available through or in connection with the Site or Services, you hereby grant to us a world-wide, royalty-free, fully paid-up, non-exclusive, perpetual, irrevocable, transferable and fully sublicensable (through multiple tiers) license, without additional consideration to you or any third party, to reproduce, distribute, perform and display (publicly or other-wise), adapt, modify and otherwise use and exploit such Submission, in any for-mat or media now known or here after developed, and for any purpose (including promotional purposes, such as displaying a user comment on the front page of the Site or Services as a testimonial), and you hereby represent and warrant that you have all necessary rights to grant the foregoing license. We may use Sub-missions for any purpose whatsoever without compensation to you or any other person. You are and remain responsible and liable for the content of any Submission.
Without limiting the rights granted above, if you are actively participating (including oral or written comments) at a FIT program, you consent to FIT’s recording of such participation in connection with such FIT program (“Program Participation”) and to the publication, distribution, exhibition and display of any Program Participation. With regard to any written materials you submit in connection with a FIT pro-gram (“Program Submission”), you also consent to FIT’s reproduction, publication, distribution, exhibition and display of such Program Submissions. FIT may exercise or license these rights in all forms and media, whether now known or later developed, throughout the world. Your consent is irrevocable and extends to FIT and its successors, assigns and licensees, and includes the right to use your name, photograph, likeness, voice, statements and professional biography. FIT will not edit or change your presentation or materials.
All of the rights you are granting to FIT herein with respect to Program Participation and Program Submissions are nonexclusive, and nothing will prevent you from repeating your Program Participation and republishing your Program Sub-mission elsewhere. You recognize that FIT, as the program producer, will be the copyright owner of the recording of any Program Participation in addition to any content provided to you as part of our Site or Services.
You confirm that you have the authority to grant the foregoing nonexclusive li-cense relating to Program Participation and Program Submissions and that your Program Participation and Program Submission will not violate the rights of any-one else. You also confirm that, to the extent your Program Participation or Pro-gram Submission includes third party material, you have obtained permission for the use of such third party material consistent with the scope of this license. Upon FIT’s request, you agree to provide FIT with satisfactory evidence of your per-mission to use all third-party material by completing the “FIT Reprint Permission Form” or comparable evidence of reprint permission.
11. Feedback. Unless we expressly agree otherwise in writing, if you provide us with any ideas, proposals, suggestions or materials (including training materials) (“Input”), whether related to the Site, the Services or otherwise, you hereby acknowledge and agree that (a) your provision of any Input is gratuitous, unsolicited and without restriction and does not place FIT under any fiduciary or other obligation; and (b) any Input is not confidential and FIT has no confidentiality obligations with respect to such Input. Without limiting the foregoing, all Input shall be deemed a Submission and licensed to us pursuant to Section 10, above.
12. Monitoring. We may (but have no obligation to) monitor, evaluate or alter Submissions before or after they appear on the Site or in connection with the Ser-vices. We may disclose any Submissions and the circumstances surrounding their transmission to anyone for any reason or purpose.
13. FIT’s Proprietary Rights. We and/or our licensors and suppliers own the information and materials made available through the Site and/or Services. Such information and materials are protected by copyright, trademark, patent and/or other proprietary rights and laws. Except as expressly authorized in advance by us, you agree not to reproduce, modify, rent, lease, loan, sell, distribute or create derivative works based on, all or any part of the Site or Services or any information or materials made available through the Site or Services.
Trade names, trademarks and service marks on the Sites or Services, including without limitation FINANCIAL INSIGHT TRAINING, the FIT logo (alone and in connection with any other FIT trade name and/or trademarks and service marks) and IFCOME, are owned by FIT. Such trade names, trademarks and service marks, whether registered or unregistered, may not be used in connection with any product or service that is not ours, or in any manner that is likely to cause confusion. Nothing contained on the Site or Services should be construed as granting, by implication, estoppel or otherwise, any license or right to use any such trade names, trademarks or service marks without the express prior written consent of the owner.
14. Purchases. We may make available products and services for purchase through the Site or Services, and we may use third-party suppliers and service providers to enable e-commerce functionality on our Site or Services. If you wish to purchase any product or service made available by us through the Site or Ser-vices or through our telephone or other sales channels (each such purchase, a “Transaction”), you may be asked to supply certain information relevant to your Transaction, including without limitation your credit card number, the expiration date of your credit card, your billing address, and your shipping information. YOU REPRESENT AND WARRANT THAT YOU HAVE THE LEGAL RIGHT TO USE ANY CREDIT CARD(S) UTILIZED IN CONNECTION WITH ANY TRANSAC-TION. FIT does not handle or store payment information. Our payments are processed through Stripe. By purchasing a Service through our Site, you are providing payment information to Stripe or such other third party payment provider we use to handle and process payments. If you payment information, you grant to FIT the right to provide such information to third parties for purposes of facilitating the completion of Transactions initiated by you or on your behalf. Verification of information may be required prior to the acknowledgment or completion of any Transaction.
FIT reserves the right, with or without prior notice, to limit the available quantity of or discontinue any product or service; to not honor, or impose conditions on the honoring of, any coupon, coupon code, promotional code or other similar promotions; to bar any user from making any or all Transaction(s); and/or to refuse to provide any user with any product or service. Fit 114 will not refund payments for a Program. You agree to pay all charges that may be incurred by you or on your behalf through the Site or Services, at the price(s) in effect when such charges are incurred. In addition, you remain responsible for any taxes that may be applicable to your Transactions. You agree that if you purchase any products or ser-vices from us in a Transaction, you will not resell such products or services un-less we have provided our express prior written consent to do so.
13. Accuracy of Information; Products, Content and Specifications. We attempt to ensure that information provided on or in connection with the Site or Services is complete, accurate and current. Despite our efforts, such information may occasionally be inaccurate, incomplete or out of date. Accordingly, we make no representation as to the completeness, accuracy or currentness of such in-formation, including all descriptions, images, references, features, content, specifications, products and prices of products and services described or depicted on the Site or Services. Such information is also subject to change at any time with-out notice. Descriptions and images of, and references to, third-party products or services available in connection with the Site or Services do not imply FIT’s endorsement of such third-party products or services. The inclusion of any products or services on the Site or Services at a particular time does not imply or war-rant that these products or services will be available at any time. It is your responsibility to ascertain and obey all applicable local, state, federal and interna-tional laws (including minimum age requirements) in regard to the possession, use and sale of any item purchased from the Site or in connection with the Services. By placing an order, you represent that the products ordered will be used only in a lawful manner.
14. Third Party Content; Links. The Site or Services may incorporate certain functionality that allows the routing and transmission of, and online access to, certain digital communications and content made available by third parties, including social media providers (such communications and content, “Third Party Con-tent”). By using such functionality, you acknowledge and agree that you are directing us to access and transmit to you Third Party Content associated with such functionality. The Site or Services may provide links to other web sites and online resources that include Third Party Content. We do not control Third Party Content, and you agree that the FIT Entities are neither responsible nor liable for any Third Party Content, including the accuracy, integrity, quality, legality, useful-ness, or safety of, or intellectual property rights relating to, Third Party Content. We have no obligation to monitor Third Party Content, and we may block or disable access to any Third Party Content (in whole or part) via the Site or Services at any time. Your access to or receipt of Third Party Content via the Site or Services does not imply our endorsement of, or our affiliation with any provider of, such Third Party Content. Further, your use of Third Party Content may be governed by additional terms and conditions that are not set forth in this Agreement or our Privacy Policy (for example, terms and conditions that are made available by the providers of such Third Party Content). This Agreement does not create any legal relationship between you and the providers of such Third Party Content with respect to such Third Party Content, and nothing in this Agreement shall be deemed to be a representation or warranty by any of the FIT Entities with respect to any Third Party Content. YOU AGREE THAT YOUR USE OF THIRD PARTY CON-TENT IS AT YOUR OWN RISK AND IS SUBJECT TO THE TERMS AND CON-DITIONS OF USE APPLICABLE TO SUCH THIRD PARTY CONTENT.
15. DISCLAIMER OF WARRANTIES. THE SITE, SERVICES AND ANY GOODS MADE AVAILABLE THROUGH OR IN CONNECTION WITH THE SITE OR SERVICES ARE PROVIDED TO YOU “AS IS” WITHOUT ANY WARRAN-TIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY. YOU AGREE THAT YOU MUST EVALUATE, AND THAT YOU BEAR ALL RISKS AS-SOCIATED WITH, THE USE OF THE SITE OR SERVICES, INCLUDING WITH-OUT LIMITATION, ANY RELIANCE ON THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY MATERIALS AVAILABLE THROUGH THE SITE OR SERVICES. THE FIT ENTITIES DISCLAIM ALL WARRANTIES WITH RESPECT TO THE SITE, SERVICES AND ANY GOODS OBTAINED OR MADE AVAILA-BLE THROUGH OR IN CONNECTION WITH THE SITE OR SERVICES (IN-CLUDING WITHOUT LIMITATION, THIRD PARTY PRODUCTS AND SER-VICES) TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT AND TITLE.
16. LIMITATION OF LIABILITY. THE FIT ENTITIES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLA-RY OR PUNITIVE DAMAGES OF ANY KIND, UNDER ANY CONTRACT, NEG-LIGENCE, STRICT LIABILITY OR OTHER THEORY, INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, USE, DATA, LOSS OF OTHER INTANGIBLES, LOSS OF SECURITY OF INFORMATION YOU HAVE PROVIDED IN CONNECTION WITH YOUR USE OF THE SITE OR SERVICES , OR UNAUTHORIZED INTERCEPTION OF ANY SUCH INFORMATION BY THIRD PARTIES, EVEN IF ADVISED IN ADVANCE OF SUCH DAMAGES OR LOSSES. IN PARTICULAR, AND WITHOUT LIMITATION, THE FIT ENTITIES WILL NOT BE LIABLE FOR DAMAGES OF ANY KIND RESULTING FROM YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE SITE OR SERVICES, OR FROM ANY CONTENT POSTED ON THE SITE OR IN CONNECTION WITH THE SERVICES BY FIT OR ANY THIRD PARTY. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE SITE OR SERVICES IS TO STOP USING THE SITE OR SERVICES. THE MAXIMUM LIABILITY OF FIT FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING WITHOUT LIMITATION NEG-LIGENCE) OR OTHERWISE, SHALL BE THE TOTAL AMOUNT, IF ANY, PAID BY YOU TO FIT TO ACCESS AND USE THE SITE OR SERVICES.
While we try to maintain the integrity and security of the Site and Services and the servers from which the Site and Services are operated, we do not guarantee that the Site or Services will be or remain secure, complete or correct, or that access to the Site or Services will be uninterrupted. The Site or Services may include in-accuracies, errors and materials that violate or conflict with this Agreement. Additionally, third parties may make unauthorized alterations to the Site or Services. If you become aware of any unauthorized third party alteration to the Site or Ser-vices, contact us at info@financialinsighttraining.com with a description of the material(s) at issue and the URL or location on the Site or Services where such material(s) appear.
17. Indemnity. Except to the extent prohibited under applicable law, you agree to defend, indemnify and hold harmless each of the FIT Entities from and against all claims, losses, costs and expenses (including attorneys’ fees) arising out of (a) your use of, or activities in connection with, the Site or Services; (b) any violation or alleged violation of this Agreement by you; or (c) any claim that any of your Submissions (including any Program Participation and Program Submission) or any use or exploitation thereof caused damage to or infringed upon or violated the rights of a third party, including past, present or future infringement, misappropriation, libel, defamation, invasion of privacy or right of publicity, or violation of any right related to the foregoing.
18. Termination. This Agreement is effective until terminated. FIT may terminate your access to or use of the Site or Services, at any time and for any rea-son, including if FIT believes that you have violated or acted inconsistently with the letter or spirit of this Agreement. Upon any such termination, your right to access or use the Site or Services will immediately cease. You agree that any termination of your access to or use of the Site or Services may be effected without prior notice, and that FIT may immediately deactivate or delete your password and user name, and all related information and files associated with it, and/or bar any further access to such information or files. You agree that FIT shall not be liable to you or any third party for any termination of your access to the Site or Services or to any such information or files, and shall not be required to make such information or files available to you after any such termination. Sections 2-4 and 6-20 shall survive any expiration or termination of this Agreement.
19. Governing Law and Arbitration. This Agreement is governed by the laws of the State of New York, U.S.A., without regard to its conflicts of law provisions, and regardless of your location. ALL DISPUTES ARISING OUT OF OR RELATED TO THIS AGREEMENT OR ANY ASPECT OF THE RELATIONSHIP BETWEEN YOU AND FIT, WHETHER BASED IN CONTRACT, TORT, STAT-UTE, FRAUD, MISREPRESENTATION OR ANY OTHER LEGAL THEORY, SHALL BE RESOLVED THROUGH FINAL AND BINDING ARBITRATION BE-FORE A NEUTRAL ARBITRATOR INSTEAD OF IN A COURT BY A JUDGE OR JURY AND, BY YOUR ACCESS TO OR USE OF THIS SITE OR SERVICES, YOU AGREE THAT YOU AND FIT ARE EACH WAIVING OUR RIGHT TO TRI-AL BY A JURY. BY YOUR ACCESS TO OR USE OF THE SITE OR SERVICES, YOU AGREE THAT ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED AND, BY YOUR ACCESS TO OR USE OF THE SITE OR SERVICES, YOU ARE AGREEING TO GIVE UP THE ABILITY TO PARTICIPATE IN A CLASS ACTION. The arbitration will be administered by the American Arbitration Association under its Commercial Arbitration Rules, as amended by this Agreement. Any in-person hearings or appearances shall be held in New York County, State of New York, U.S.A. Arbitration proceedings shall be conducted in a manner that preserves confidentiality. The arbitrator’s decision shall follow this Agreement and shall be final and binding. The arbitrator shall have authority to award temporary, interim or permanent injunctive relief or relief providing for specific performance of this Agreement, but only to the extent necessary to provide relief warranted by the individual claim before the arbitrator. The award rendered by the arbitrator may be confirmed and enforced in any court having jurisdiction thereof.
20. Contact Us. If you have any questions regarding the meaning or application of this Agreement, please direct such questions to in-fo@financialinsighttraining.com. Please note that e-mail communications will not necessarily be secure; accordingly you should not include credit card information or other sensitive information in your e-mail correspondence with us.
21. Copyright Infringement Claims. The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that materials available on the Site or in connection with the Services infringe your copyright, you (or your agent) may send FIT a written notice by mail, email or fax, requesting that FIT remove the material or block access to it. If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the DMCA permits you to send FIT a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA. See http://www.copyright.gov/ for details. Notices and counter-notices should be sent to FIT’s DMCA Agent: by mail to
DMCA Agent
Financial Insight Training
1120 Avenue of the Americas
4th Floor
New York, NY 10036;
by email to info@financialinsighttraining.com; or by fax to 732.246.7347.
We suggest that you consult your legal advisor before submitting a notice or counter-notice.
22. Filtering. Pursuant to 47 U.S.C. Section 230(d) as amended, we hereby notify you that parental control protections (such as computer hardware, software or filtering services) are commercially available that may assist you in limiting ac-cess to material that is harmful to minors. Information identifying current providers of such protections is available on the two web sites GetNetWise (http://http://www.getnetwise.org/) and On Guard Online (http://onguardonline.gov/). Please note that FIT does not endorse any of the products or services listed at such sites.
23. Notice for California Residents. Under California Civil Code Section 1789.3, California users are entitled to the following consumer rights notice:
If you have a question or complaint regarding the Site or Services, please contact us by writing to:
Director of Marketing,
Financial Insight Training,
1120 Avenue of the Americas,
4th Floor,
New York, NY 10036;
by email to info@financialinsighttraining.com or by fax to 732.246.7347. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at 916.445.1254 or 800.952.5210.
24. Miscellaneous. This Agreement does not, and shall not be construed to, create any partnership, joint venture, employer-employee, agency or franchisor-franchisee relationship between you and FIT. If any provision of this Agreement is found to be unlawful, void or for any reason unenforceable, that provision will be deemed severable from this Agreement and will not affect the validity and enforceability of any remaining provision. You may not assign, transfer or sublicense any or all of your rights or obligations under this Agreement without our express prior written consent, and any prohibited assignment, transfer or sublicense is void. We may assign, transfer or sublicense any or all of our rights or obligations under this Agreement without restriction. No waiver by either party of any breach or default hereunder will be deemed to be a waiver of any preceding or subsequent breach or default. Any heading, caption or section title contained herein is inserted only as a matter of convenience, and in no way defines or explains any section or provision hereof. This, together with all policies referred to herein, is the entire Agreement between you and FIT relating to the subject matter herein and supersedes any and all prior or contemporaneous written or oral agreements or understandings between you and FIT relating to such subject matter. Notices to you may be made via posting to the Site or through the Services, by e-mail, or by regular mail, in FIT’s discretion. The Site or Services may also provide notices of changes to this Agreement or other matters by displaying such notices or by providing links to such notices. Without limitation, you agree that a printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. FIT will not be responsible for failures to fulfill any obligations due to causes beyond its control.
At Financial Insight Training (“FIT”) we care about your privacy. This Privacy Policy (the “Privacy Policy”) explains how we collect, use and disclose information, including information you provide to us through our accounts, our FIT mobile application and our websites at http://www.financialinsighttraining.com, https://www.financialinsightapp.com/ (the mobile application and the websites together, the “Site”), and elsewhere from which you are accessing this Privacy Policy, through our social media pages located at https://www.facebook.com/financialinsighttraining/ and https://www.linkedin.com/company/financial-insight-training (collectively, our “Social Media Pages”) as well as through HTML-formatted email messages that we send to you that link to this Privacy Policy (the Site and our Social Media Pages are together referred to as the “Services”).
FIT educates its users about behavioral finance and how to apply this information in everyday life. We offer live and recorded seminars, webcasts and publications, including, but not limited to, handouts, checklists and worksheets.
CONSENT:
To create an account, and to use our Site and services, you have to accept our Terms of Use and our Privacy Policy. By agreeing to the Terms of Service and the Privacy Policy, you consent to FIT collecting, processing, and sharing your Personal Information as described in this Privacy Policy. If you do not wish to accept this Privacy Policy or our Terms of Use, please DO NOT use our Site or services.
PERSONAL INFORMATION
Personal Information We May Collect
“Personal Information” is information that identifies you as an individual, which may include your name, shipping and billing addresses, telephone number, email address, credit card or other payment information and your FIT username and password.
You represent that you have the authority to submit any Personal Information you provide us with and to permit us to use the information in accordance with this Privacy Policy. Please DO NOT submit any Personal Information relating to other people to us or to our service providers.
How We May Collect Personal Information
We and our service providers may collect Personal Information in a variety of ways, including:
• Through the Services:
We may collect Personal Information through the Services, e.g., when you register for a seminar or webcast, order and view live and on-demand streaming media, make a purchase, or any comments you voluntarily post on our Services. We may also collect information you provide when you participate in community discussions, chats, or when you communicate with other members using FIT’s forum area on its Site. Any information you provide in these areas can be read, collected, and used by other participants in these communications. Further, we collect Personal Information when you voluntarily participate in contests and special promotions we run through our Services. Information you provide in communications with FIT’s online member services may also be collected.
• Offline:
We may collect Personal Information from you offline, such as when you attend one of our seminars, place an order over the phone or contact customer service.
• From Other Sources:
We may receive your Personal Information from other sources, such as public databases; joint marketing partners; social media platforms; from people with whom you are friends or otherwise connected on social media platforms, as well as from other third parties.
How We May Use Personal Information
We and our service providers may use Personal Information:
• To respond to your inquiries and fulfill your requests, such as to send you newsletters and e-mails.
• To send administrative information to you, for example, information regarding the Services and changes to our terms, conditions, and policies.
• To complete and fulfill your purchase, for example, to process your payments, have your order or order receipt delivered to you, communicate with you regarding your purchase and provide you with related customer service.
• To send you marketing communications that we believe may be of interest to you.
• To personalize your experience on the Services by presenting products and offers tailored to you.
• To facilitate social sharing functionality.
• To allow you to send messages to a friend through the Services. By using this functionality, you are telling us that you are entitled to use and provide us with your friend’s name and email address
• For our business purposes, such as data analysis, audits, fraud monitoring and prevention, developing new products, enhancing, improving or modifying our Services, identifying usage trends, determining the effectiveness of our promotional campaigns and operating and expanding our business activities.
• As we believe to be necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities, including public and government authorities outside your country of residence; (d) to enforce our terms of services; (e) to protect our operations; (f) to protect our rights, privacy, safety or property, and/or that of you or others; and (g) to allow us to pursue available remedies or limit the damages that we may sustain.
How Personal Information May Be Disclosed
Your Personal Information may be disclosed:
• To our third party service providers who provide services such as data analysis, payment processing, order fulfillment, information technology and related infrastructure provision, customer service, email delivery, credit card processing, auditing and other similar services.
• By you, on message boards, chat, profile pages and blogs and other services to which you are able to post information and materials (including, without limitation, our Social Media Pages). Any information you post or disclose through these Services will become public information, and may be available to users of the Services and to the general public. We urge you to be very careful when deciding to disclose your Personal Information, or any other information, on the Services. Any information you disclose on a website or platform other than ours is subject to the privacy policy and terms of service of such third party service provider. Please review those terms and privacy policy carefully prior to using such third party service.
• To a third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including in connection with any bankruptcy or similar proceedings).
• As we believe to be necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to enforce our terms and conditions; (e) to protect our operations; (f) to protect our rights, privacy, safety or property, and/or that of you or others; and (g) to allow us to pursue available remedies or limit the damages that we may sustain.
OTHER INFORMATION
Other Information We May Collect
“Other Information” is any information that does not reveal your specific identity or does not directly relate to an individual, including:
• Browser and device information;
• Information collected through cookies, pixel tags and other technologies;
• Demographic information and other information provided by you;
• Aggregated information.
We and our third party service providers may collect Other Information in a variety of ways, including through your browser or device. Certain information is collected by most browsers or automatically through your device, such as your Media Access Control (MAC) address, computer type (Windows or Macintosh), screen resolution, operating system name and version, device manufacturer and model, language, Internet browser type and version and the name and version of the Services you are using. We use this information to ensure that the Services function.
”Cookies”: Cookies are pieces of information stored directly on the computer that you are using. Cookies allow us to collect information such as browser type, time spent on the Services, pages visited, language preferences, searches run, and other anonymous traffic data. We and our service providers use the information for security purposes, to facilitate navigation, display information more effectively, and to personalize your experience while using the Services. We can recognize your computer to assist your use of the Services. We also gather statistical information about the usage of the Services in order to continually improve the design and functionality, understand how the Services are used and to assist us with resolving questions regarding the Services. Cookies further allow us to select which of our advertisements or offers are most likely to appeal to you and display them while you are on the Services. We may also use cookies in online advertising to track responses to our advertisements.
If you do not want information collected through the use of cookies, you may be able to decline cookies; however, if you do not accept these cookies, you may experience some inconvenience in your use of the Services. For example, we may not be able to recognize your computer and you may need to log in every time you visit the applicable Services. You also may not receive advertising or other offers from us that are relevant to your interests and needs. If you decline cookies for Financial Insight Training program, you will not be able to log in or search.
We may use third-party services, such as Google Analytics, in connection with the Services. Such third-party services, including Google Analytics, may use cookies and similar technologies to collect and analyze information about Services use and to report on activities and trends. Such services may also collect information regarding the use of other websites, apps and online resources. For more information regarding Google Analytics, please go to www.google.com/policies/privacy/partners/; you can download the Google Analytics opt-out browser add-on at https://tools.google.com/dlpage/gaoptout.
Pixel tags (also known as web beacons and clear GIFs) may be used in connection with some Services to, among other things, track the actions of users of the Services (including email recipients), measure the success of our marketing campaigns and compile statistics about usage of the Services and response rates.
We may use Adobe Flash technology (including Flash Local Shared Objects (“FlashLSOs”)) and other similar technologies to, among other things, collect and store information about your use of the Services. If you do not want Flash LSOs stored on your computer, you can adjust the settings of your Flash player to block Flash LSO storage using the tools contained in the Site Storage Settings Panel. You can also control Flash LSOs by going to the Global Storage Settings Panel and following the instructions (which may include instructions that explain, for example, how to delete existing Flash LSOs (referred to “information” on the Macromedia site), how to prevent Flash LSOs from being placed on your computer without your being asked, and (for Flash Player 8 and later) how to block Flash LSOs that are not being delivered by the operator of the page you are on at the time). Please note that setting the Flash Player to restrict or limit acceptance of Flash LSOs may reduce or impede the functionality of some Flash applications, including, potentially, Flash applications used in connection with the Services or our online content.
Your “IP Address” is a number that is automatically assigned to the computer that you are using by your Internet Service Provider (ISP). An IP Address may be identified and logged automatically in our server log files whenever a user accesses the Services, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice and is done automatically by many websites, applications and other services. We use IP Addresses for purposes such as calculating usage levels of the Services, helping diagnose server problems, and administering the Services.
We collect information such as your location, your preferred means of communication, as well as other information when you voluntarily provide this information. Unless combined with Personal Information, this information does not personally identify you or any other user of the Services.
We may have access to aggregated Personal Information. Aggregated Personal Information does not personally identify you or any other user of the Services. For example, we may aggregate Personal Information to calculate the percentage of our users who have a particular telephone area code.
How We May Use and Disclose Other Information
Please note that we may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law. If we are required to treat Other Information as Personal Information under applicable law, then we may use it as described in “How We May Collect Other Information” section above, as well as for all the purposes for which we use and disclose Personal Information.
In some instances, we may combine Other Information with Personal Information (such as combining your name with your geographical location). If we combine any Other Information with Personal Information, the combined information will be treated by us as Personal Information as long as it is combined.
THIRD PARTY SERVICES
This Privacy Policy does not address, and we are not responsible for, the privacy, information or other practices of any third parties, including any third party operating any site or service to which the Services link. The inclusion of a link on the Services does not imply our endorsement of the linked site or service.
We are not responsible for the collection, usage and disclosure policies and practices (including the data security practices) of other organizations, such as Facebook, Apple, Google, Microsoft, RIM or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider or device manufacturer, including any Personal Information you disclose to other organizations through or in connection with our Social Media Pages.
SECURITY
We seek to use reasonable organizational, technical and administrative measures to protect Personal Information within our organization. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us of the problem by contacting us in accordance with the “Contact Us” section below.
CHOICES AND ACCESS
Your choices regarding our use and disclosure of your Personal Information
We give you many choices regarding our use and disclosure of your Personal Information for marketing purposes. You may opt-out from:
• Receiving electronic communications from us: If you no longer want to receive marketing-related emails from us on a going-forward basis, you may opt-out of receiving these marketing-related emails by following the unsubscribe instructions included in each marketing-related email.
• Receiving telephone calls, fax messages or postal mail from us: If you no longer want to receive marketing-related telephone calls or postal mail from us on a going-forward basis, you may opt-out of receiving these marketing communications by sending an email to privacy@financialinsighttraining.com and specifying the contact information used and form of marketing from which you are opting out.
We will try to comply with your request(s) as soon as reasonably practicable. Please also note that if you do opt-out of receiving marketing-related emails from us, we may still send you important administrative messages while you are a member, and you cannot opt-out from receiving administrative messages.
How You Can Access, Change or Suppress your Personal Information
If you would like to review, correct, update, suppress, or delete Personal Information that has been previously provided to us by you, you may contact us by writing to:
Director of Marketing
Financial Insight Training
1120 Avenue of the Americas, 4th Floor
New York, NY 10036
Email: info@financialinsighttraining.com
In your request, please make clear what Personal Information you would like to have changed, whether you would like to have your Personal Information that you have provided to us suppressed from our database or otherwise let us know what limitations you would like to put on our use of your Personal Information that you have provided to us. For your protection, we may only implement requests with respect to the Personal Information associated with the particular email address that you use to send us your request, and we may need to verify your identity before implementing your request. We will try to comply with your request as soon as reasonably practicable.
Please note that we may need to retain certain information for recordkeeping purposes and/or to complete any transactions that you began prior to requesting such change or deletion (e.g., when you make a purchase, you may not be able to change or delete the Personal Information provided until after the completion of such purchase). There may also be residual information that will remain within our databases and other records, which will not be removed.
RETENTION PERIOD
We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law.
USE OF SERVICES BY MINORS
The Services are not directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personal Information through the Services.
CROSS-BORDER TRANSFER
The Services are controlled and operated by us from the United States, and are not intended to subject us to the laws or jurisdiction of any state, country or territory other than that of the United States. Your Personal Information may be stored and processed in any country where we have facilities or in which we engage service providers, and by using the Services you consent to the transfer of information to countries outside of your country of residence, including the United States, which may have different data protection rules than those of your country.
SENSITIVE INFORMATION
Please do not not send us, or otherwise disclose to us, any sensitive Personal Information (e.g., social security numbers, information related to racial or ethnic origin, political opinions, religion or other beliefs, health, criminal background or trade union membership) on or through the Services or otherwise .
California’s Shine the Light Law
California Civil Code Section 1798.83, known as the “Shine the Light” law, permits Users who are California residents to request and obtain from us a list of what Personal Information (if any) we disclosed to third parties for their direct marketing purposes in the preceding calendar year and the names and addresses of those third parties. Requests may be made only once a year and are free of charge. Under Section 1798.83, we currently do not share any Personal Information with third parties for their own direct marketing purposes.
UPDATES TO THIS PRIVACY POLICY
We may change this Privacy Policy. Please take a look at the “LAST UPDATED” legend at the top of this page to see when this Privacy Policy was last revised. Any changes to this Privacy Policy will become effective when we post the revised Privacy Policy on the Services. Your use of the Site or Services following these changes means that you accept the revised Privacy Policy. If you do not accept a revised Privacy Policy, please do not continue using the Site or Services.
CONTACTING US
If you have any questions about this Privacy Policy, please contact us by email at info@financialinsighttraining.com, or please write to the following address:
Director of Marketing
Financial Insight Training
1120 Avenue of the Americas, 4th Floor
New York, NY 10036
Email: info@financialinsighttraining.com
Please note that email communications are not always secure; so please do not include credit card information or sensitive information in your emails to us.
Please read these Terms of Service (the “Agreement”) carefully, they govern your use of online services and digital products of FIT 114 Inc. (“FIT” or “we” or “us”), including but not limited to our FIT mobile application and our websites at http://www.financialinsighttraining.com, https://www.fitfundamentalsapp.com/, all subdomains of http://www.financialinsighttraining.com and https://www.fitfundamentalsapp.com/ (the “Site”), and all features, content and products and services offered on or through the Site, including but not limited to the Financial Insight Training program, other Programs as further defined below, software and other downloads (collectively, the “Services”).
Your use of the Site and Services is governed by this Agreement regardless of how you access the Site or Services. If you do not agree to this Agreement, please DO NOT use our Site or Services.
1. Acceptance of Terms. Your use of the Site or Services require your acceptance of this Agreement. FIT reserves the right to update or make changes to this Agreement from time to time and may provide you with notice of such changes by any reasonable means, including without limitation, by posting the revised version of this Agreement on the Site or in connection with the Services. Your continued access to or use of the Site or Services following changes to this Agreement will require your acceptance of those changes.
BY ACCEPTING THE SERVICES, ACCESSING OR USING THE SITE OR SER-VICES, YOU AFFIRM THAT YOU ARE OF LEGAL AGE TO ENTER INTO THIS AGREEMENT AND THAT YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT.
We reserve the right, at any time, temporarily or permanently, in whole or in part, to: modify or discontinue the Site or Services, with or without notice; charge fees in connection with the use of the Site or Services; modify or waive any fees charged in connection with the Site or Services; or offer opportunities to some or all users of the Site or Services. You agree that we shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Site or of any Service, content, feature or product, in whole or in part. Your continued access to or use of the Site or Services after such changes will indicate your acceptance of such changes.
2. Memberships, Price, No Refund. Our Services are offered for purchase online and otherwise. We offer certain membership programs to our Services (“Programs”). Our Programs are annual or as otherwise specified in the specific program and our Programs will be available for their duration. By signing up for a Program, you agree to make payment of the amount due in full at the respective due dates, even if you agree to pay in monthly installments. You acknowledge and agree that FIT is not obligated to, and will neither offer nor pay a full or partial refund for a Program you choose not to participate in, a Program you no longer wish to participate in, or a Program you only partially participated in, for any reason. FIT may, in its sole discretion, offer a refund or credit towards other Programs should FIT decide to withdraw a Program prior to its start or end date.
3. Site and Services Information. We provide users of the Site and/or Ser-vices with access to certain content and Services related to behavioral finance and how to apply this information in everyday life in the form of live and recorded seminars, webcasts and publications, including, but not limited to, handouts, checklists and worksheets, which may include, without limitation: (a) seminar registration; (b) live streaming media (e.g., webcasts and groupcasts) and on-demand streaming media; (c) downloadable audio and video courses; (d) simulated testing software; (e) downloadable presentation materials; (f) downloadable publications; (g) blogs; and (h) transcripts (such content and services also part of the “Services”).
You are solely responsible for access to our Sites and Services, including but not limited to your hardware and internet connection. The technical quality (e.g., the resolution) of streaming content, as well as the download speed of downloadable content, may be affected by a variety of factors such as your location, the content being streamed or downloaded and the speed of your Internet connection. FIT makes no representation or warranty regarding access to content available through the Site or in connection with Services, including the quality of streaming content and the download speed of downloadable content.
The content provided through the Site and/or in connection with the Services is designed to provide practical and useful information on the subject matter covered. WHILE SUCH CONTENT MAY CONCERN INVESTMENT ISSUES, FI-NANCE RELATED ISSUES, LEGAL ISSUES, ACCOUNTING ISSUES OR OTH-ER ISSUES RELATED TO PROFESSIONAL SERVICES, SUCH CONTENT IS NOT INVESTMENT ADVICE, FINANCIAL ADVICE, LEGAL ADVICE, ACCOUNT-ING ADVICE OR OTHER PROFESSIONAL SERVICES ADVICE. YOU SHOULD NOT ACT OR REFRAIN FROM ACTING ON THE BASIS OF ANY CONTENT INCLUDED ON THIS SITE OR IN CONNECTION WITH THE SERVICES WITH-OUT SEEKING THE ADVICE OF A COMPETENT PROFESSIONAL IN THE AP-PLICABLE SUBJECT MATTER. FIT EXPRESSLY DISCLAIMS ALL LIABILITY IN RESPECT OF ACTIONS TAKEN OR NOT TAKEN BASED ON ANY CONTENT OF THIS SITE OR IN CONNECTION WITH THE SERVICES. YOU ACKNOWLEDGE AND AGREE THAT THE CONTENT IS NOT PROVIDED FOR THE PURPOSE OF RENDERING INVESTMENT, FINANCE, LEGAL, ACCOUNTING OR OTHER PROFESSIONAL SERVICES. IF YOU BELIEVE YOU NEED ADVICE OR OTHER EXPERT ASSISTANCE IN ONE OR MORE OF THE ABOVE AREAS, YOU SHOULD SEEK THE SERVICES OF A COMPETENT PROFESSIONAL.
USE OF THE SITE AND/OR SERVICES IS NOT INTENDED TO CONSTITUTE, AND DOES NOT CONSTITUTE, A SOLICITATION FOR THE FORMATION OF AN ATTORNEY-CLIENT RELATIONSHIP. NO ATTORNEY-CLIENT RELA-TIONSHIP IS CREATED THROUGH YOUR USE OF THE SITE OR SERVICES. MOREOVER, NEITHER RECEIPT OF INFORMATION PRESENTED ON THE SITE OR IN CONNECTION WITH THE SERVICES NOR ANY EMAIL OR OTH-ER ELECTRONIC COMMUNICATION SENT THROUGH THE SITE OR IN CONNECTION WITH THE SERVICES WILL CREATE AN ATTORNEY-CLIENT RELATIONSHIP, AND ANY SUCH EMAIL OR COMMUNICATION WILL NOT BE TREATED AS CONFIDENTIAL.
4. Jurisdictional Issues. The Site and the Services are controlled and operated by FIT from the United States, and are not intended to subject FIT to the laws or jurisdiction of any state, country or territory other than that of the United States. FIT neither represents nor warrants that the Site or the Services or any part thereof is appropriate or available for use in any particular jurisdiction other than the United States. In choosing to access the Site or Services, you do so on your own initiative and at your own risk, and you are responsible for complying with all local laws, rules and regulations. You are also subject to United States ex-port controls and are responsible for any violations of such controls, including any United States embargoes or other federal rules and regulations restricting ex-ports. We may limit the availability of the Site or the Services, in whole or in part, to any person, geographic area or jurisdiction we choose, at any time. Not all products or services described on the Site or the Services are available in all states or territories.
5. Information Submitted Through the Site and/or Services. Your sub-mission of information through the Site or in connection with the Services is governed by FIT’s Privacy Policy, which is located at https://www.financialinsighttraining.com/privacy-policy (the “Privacy Policy”). You agree that all information that you provide to us is true, accurate and complete, and that you will maintain and update such information regularly.
6. Rules of Conduct. You must comply with all applicable laws, rules and regulations while accessing or using the Site and/or Services. In addition, we expect users to respect the rights and dignity of others. Your use of the Site and/or Services is conditioned upon your compliance with the rules set forth in this section. You must not:
• Post, transmit, or otherwise make available, through or in connection with the Site or Services, (a) anything that could be (i) threatening, harassing, discriminatory, degrading, hateful or intimidating; (ii) defamatory, fraudulent or other-wise tortious; (iii) obscene, indecent, pornographic or otherwise objectionable; or (iv) related to alcohol, wagering, gambling, tobacco products, ammunition or firearms; (b) anything that could give rise to criminal or civil liability (including any material protected by copyright, trademark, trade secret, right of publicity, or any other proprietary right for which you do not have the express prior consent of the owner of such right or in violation of any contractual, fiduciary or other legal obligation), or that encourages conduct that would constitute a criminal offense; (c) any virus, worm, Trojan horse, Easter egg, time bomb, spyware, or other computer code, file or program that is potentially harmful or invasive, or may or is intended to damage or hijack the operation of, or to monitor the use of, any hardware, software or equipment; (d) any unsolicited or unauthorized advertising, promotional material, “junk mail,” “spam,” “chain letter,” “pyramid scheme,” investment opportunity or other form of solicitation; or (e) any material, non-public information about a company or any securities or other financial instrument, without the proper authorization to do so;
• Use the Site or Services (a) to defame, abuse, harass, stalk, threaten, har-vest or collect personally identifiable information, or otherwise violate the legal rights of others, including rights of privacy or publicity; (b) to impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with any person or entity, or state or imply that we endorse any of your statements or Submissions (as defined below); or (c) for any other fraudulent or unlawful purpose;
• Interfere with or disrupt the operation of the Site or Services or the servers or networks used to make the Site or Services available (including by taking any action that imposes an unreasonable or disproportionately large load upon the Site or in connection with the Services or upon such servers or networks) or violate any requirements, procedures, policies or regulations of such servers or networks.
• Restrict or inhibit any other person from using the Site or Services (including by hacking or defacing the Site);
• Use the Site or Services to advertise or offer to sell or buy any goods or ser-vices.
• License, sublicense, transfer, assign, reproduce, duplicate, copy, sell, resell, distribute, or exploit for any commercial purposes the Site or Services or any access to or use of the Site or Services;
• Modify, adapt, make derivate works of, translate, reverse engineer, decompile or disassemble the Site or Services;
• Remove any copyright, trademark or other proprietary rights notice from the Site or Services or any materials available through the Site or Services;
• Frame or mirror any part of the Site or Services without FIT’s express prior written consent;
• Systematically download or store content from the Site or Services unless explicitly permitted as part of your purchase of a Program;
• Use any robot, spider, site search/retrieval application or other manual or automatic device to retrieve, index, “scrape,” “data mine” or in any way gather content of the Site or in connection with the Services or reproduce or circum-vent the navigational structure or presentation of the Site or Services without FIT’s express prior written consent. Notwithstanding the foregoing, FIT grants the operators of public search engines permission to use spiders to copy materials from the Site for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials. FIT reserves the right to revoke these exceptions either generally or in specific cases.
We may terminate your use of the Site or Services for any conduct that we con-sider to be inappropriate, or for your breach of this Agreement, including the rules of conduct set forth above (including, without limitation, if you repeatedly engage in copyright infringement via or in connection with the Site or Services).
7. Registration; User Names and Passwords. You may need to register to use all or part of the Site or Services. You represent and warrant that all information submitted to FIT in connection with such registration is complete and accurate. We may reject, or require that you change, for any reason, any user name, password or other information that you provide to us in registering. Your user name and password are for your personal use only and should be kept confidential; you) are solely responsible for any use or misuse of your user name or password, and you must promptly notify us of any confidentiality breach or unauthorized use of your user name or password, or your account. We are not liable for any loss or damage arising from your failure to comply with any of the foregoing obligations.
8. Forums. We and our service providers may make available through the Site or Services certain services (for example, message boards, forums, blogs, chat functionality, messaging functionality and comment functionality, among other services) to which you are able to post information and materials (each, a “Forum”).
9. Information contained in Forums may be provided by employees of FIT as well as by third-party visitors to the Site or Services. Please note that visitors to the Site or Services may post messages or make statements in the Forums that are inaccurate, misleading or deceptive. FIT and its directors, officers, employees, representatives, affiliates, licensors and service providers (collectively, with FIT, the “FIT Entities”) neither endorse nor are responsible for any opinion, advice, information or statements made in the Forums by third parties. Without limitation, the FIT Entities are not responsible for any information or mate-rials made available through the Forums (including errors or omissions in Forum postings or links or images embedded in Forum postings) or results obtained by using any such information or materials. Under no circumstances will the FIT Entities be liable for any loss or damage caused by your reliance on such information or materials. The opinions expressed in the Forums reflect solely the opinions of the individuals who submitted such opinions, and may not reflect the opinions of FIT.
In addition, the FIT Entities have no control over, and shall have no liability for, any damages resulting from the use (including republication) or misuse by any third party information voluntarily made public through a Forum or any other part of the Site or Services. IF YOU CHOOSE TO MAKE ANY OF YOUR PERSONALLY IDENTIFIABLE OR OTHER INFORMATION PUBLICLY AVAILABLE IN A FO-RUM OR OTHERWISE ON THE SITE OR SERVICES, YOU DO SO AT YOUR OWN RISK.
10. Submissions. The Site or Services may make available certain functionality (including Forums and e-mail addresses) through which you may be able to post, send or make available information and materials (each, a “Submission”). For purposes of clarity, you retain any ownership rights that you may have in any of the Submissions that you post, subject to the terms and conditions of this Agreement. For each Submission that you make available through or in connection with the Site or Services, you hereby grant to us a world-wide, royalty-free, fully paid-up, non-exclusive, perpetual, irrevocable, transferable and fully sublicensable (through multiple tiers) license, without additional consideration to you or any third party, to reproduce, distribute, perform and display (publicly or other-wise), adapt, modify and otherwise use and exploit such Submission, in any for-mat or media now known or here after developed, and for any purpose (including promotional purposes, such as displaying a user comment on the front page of the Site or Services as a testimonial), and you hereby represent and warrant that you have all necessary rights to grant the foregoing license. We may use Sub-missions for any purpose whatsoever without compensation to you or any other person. You are and remain responsible and liable for the content of any Submission.
Without limiting the rights granted above, if you are actively participating (including oral or written comments) at a FIT program, you consent to FIT’s recording of such participation in connection with such FIT program (“Program Participation”) and to the publication, distribution, exhibition and display of any Program Participation. With regard to any written materials you submit in connection with a FIT pro-gram (“Program Submission”), you also consent to FIT’s reproduction, publication, distribution, exhibition and display of such Program Submissions. FIT may exercise or license these rights in all forms and media, whether now known or later developed, throughout the world. Your consent is irrevocable and extends to FIT and its successors, assigns and licensees, and includes the right to use your name, photograph, likeness, voice, statements and professional biography. FIT will not edit or change your presentation or materials.
All of the rights you are granting to FIT herein with respect to Program Participation and Program Submissions are nonexclusive, and nothing will prevent you from repeating your Program Participation and republishing your Program Sub-mission elsewhere. You recognize that FIT, as the program producer, will be the copyright owner of the recording of any Program Participation in addition to any content provided to you as part of our Site or Services.
You confirm that you have the authority to grant the foregoing nonexclusive li-cense relating to Program Participation and Program Submissions and that your Program Participation and Program Submission will not violate the rights of any-one else. You also confirm that, to the extent your Program Participation or Pro-gram Submission includes third party material, you have obtained permission for the use of such third party material consistent with the scope of this license. Upon FIT’s request, you agree to provide FIT with satisfactory evidence of your per-mission to use all third-party material by completing the “FIT Reprint Permission Form” or comparable evidence of reprint permission.
11. Feedback. Unless we expressly agree otherwise in writing, if you provide us with any ideas, proposals, suggestions or materials (including training materials) (“Input”), whether related to the Site, the Services or otherwise, you hereby acknowledge and agree that (a) your provision of any Input is gratuitous, unsolicited and without restriction and does not place FIT under any fiduciary or other obligation; and (b) any Input is not confidential and FIT has no confidentiality obligations with respect to such Input. Without limiting the foregoing, all Input shall be deemed a Submission and licensed to us pursuant to Section 10, above.
12. Monitoring. We may (but have no obligation to) monitor, evaluate or alter Submissions before or after they appear on the Site or in connection with the Ser-vices. We may disclose any Submissions and the circumstances surrounding their transmission to anyone for any reason or purpose.
13. FIT’s Proprietary Rights. We and/or our licensors and suppliers own the information and materials made available through the Site and/or Services. Such information and materials are protected by copyright, trademark, patent and/or other proprietary rights and laws. Except as expressly authorized in advance by us, you agree not to reproduce, modify, rent, lease, loan, sell, distribute or create derivative works based on, all or any part of the Site or Services or any information or materials made available through the Site or Services.
Trade names, trademarks and service marks on the Sites or Services, including without limitation FINANCIAL INSIGHT TRAINING, the FIT logo (alone and in connection with any other FIT trade name and/or trademarks and service marks) and IFCOME, are owned by FIT. Such trade names, trademarks and service marks, whether registered or unregistered, may not be used in connection with any product or service that is not ours, or in any manner that is likely to cause confusion. Nothing contained on the Site or Services should be construed as granting, by implication, estoppel or otherwise, any license or right to use any such trade names, trademarks or service marks without the express prior written consent of the owner.
14. Purchases. We may make available products and services for purchase through the Site or Services, and we may use third-party suppliers and service providers to enable e-commerce functionality on our Site or Services. If you wish to purchase any product or service made available by us through the Site or Ser-vices or through our telephone or other sales channels (each such purchase, a “Transaction”), you may be asked to supply certain information relevant to your Transaction, including without limitation your credit card number, the expiration date of your credit card, your billing address, and your shipping information. YOU REPRESENT AND WARRANT THAT YOU HAVE THE LEGAL RIGHT TO USE ANY CREDIT CARD(S) UTILIZED IN CONNECTION WITH ANY TRANSAC-TION. FIT does not handle or store payment information. Our payments are processed through Stripe. By purchasing a Service through our Site, you are providing payment information to Stripe or such other third party payment provider we use to handle and process payments. If you payment information, you grant to FIT the right to provide such information to third parties for purposes of facilitating the completion of Transactions initiated by you or on your behalf. Verification of information may be required prior to the acknowledgment or completion of any Transaction.
FIT reserves the right, with or without prior notice, to limit the available quantity of or discontinue any product or service; to not honor, or impose conditions on the honoring of, any coupon, coupon code, promotional code or other similar promotions; to bar any user from making any or all Transaction(s); and/or to refuse to provide any user with any product or service. Fit 114 will not refund payments for a Program. You agree to pay all charges that may be incurred by you or on your behalf through the Site or Services, at the price(s) in effect when such charges are incurred. In addition, you remain responsible for any taxes that may be applicable to your Transactions. You agree that if you purchase any products or ser-vices from us in a Transaction, you will not resell such products or services un-less we have provided our express prior written consent to do so.
13. Accuracy of Information; Products, Content and Specifications. We attempt to ensure that information provided on or in connection with the Site or Services is complete, accurate and current. Despite our efforts, such information may occasionally be inaccurate, incomplete or out of date. Accordingly, we make no representation as to the completeness, accuracy or currentness of such in-formation, including all descriptions, images, references, features, content, specifications, products and prices of products and services described or depicted on the Site or Services. Such information is also subject to change at any time with-out notice. Descriptions and images of, and references to, third-party products or services available in connection with the Site or Services do not imply FIT’s endorsement of such third-party products or services. The inclusion of any products or services on the Site or Services at a particular time does not imply or war-rant that these products or services will be available at any time. It is your responsibility to ascertain and obey all applicable local, state, federal and interna-tional laws (including minimum age requirements) in regard to the possession, use and sale of any item purchased from the Site or in connection with the Services. By placing an order, you represent that the products ordered will be used only in a lawful manner.
14. Third Party Content; Links. The Site or Services may incorporate certain functionality that allows the routing and transmission of, and online access to, certain digital communications and content made available by third parties, including social media providers (such communications and content, “Third Party Con-tent”). By using such functionality, you acknowledge and agree that you are directing us to access and transmit to you Third Party Content associated with such functionality. The Site or Services may provide links to other web sites and online resources that include Third Party Content. We do not control Third Party Content, and you agree that the FIT Entities are neither responsible nor liable for any Third Party Content, including the accuracy, integrity, quality, legality, useful-ness, or safety of, or intellectual property rights relating to, Third Party Content. We have no obligation to monitor Third Party Content, and we may block or disable access to any Third Party Content (in whole or part) via the Site or Services at any time. Your access to or receipt of Third Party Content via the Site or Services does not imply our endorsement of, or our affiliation with any provider of, such Third Party Content. Further, your use of Third Party Content may be governed by additional terms and conditions that are not set forth in this Agreement or our Privacy Policy (for example, terms and conditions that are made available by the providers of such Third Party Content). This Agreement does not create any legal relationship between you and the providers of such Third Party Content with respect to such Third Party Content, and nothing in this Agreement shall be deemed to be a representation or warranty by any of the FIT Entities with respect to any Third Party Content. YOU AGREE THAT YOUR USE OF THIRD PARTY CON-TENT IS AT YOUR OWN RISK AND IS SUBJECT TO THE TERMS AND CON-DITIONS OF USE APPLICABLE TO SUCH THIRD PARTY CONTENT.
15. DISCLAIMER OF WARRANTIES. THE SITE, SERVICES AND ANY GOODS MADE AVAILABLE THROUGH OR IN CONNECTION WITH THE SITE OR SERVICES ARE PROVIDED TO YOU “AS IS” WITHOUT ANY WARRAN-TIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY. YOU AGREE THAT YOU MUST EVALUATE, AND THAT YOU BEAR ALL RISKS AS-SOCIATED WITH, THE USE OF THE SITE OR SERVICES, INCLUDING WITH-OUT LIMITATION, ANY RELIANCE ON THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY MATERIALS AVAILABLE THROUGH THE SITE OR SERVICES. THE FIT ENTITIES DISCLAIM ALL WARRANTIES WITH RESPECT TO THE SITE, SERVICES AND ANY GOODS OBTAINED OR MADE AVAILA-BLE THROUGH OR IN CONNECTION WITH THE SITE OR SERVICES (IN-CLUDING WITHOUT LIMITATION, THIRD PARTY PRODUCTS AND SER-VICES) TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT AND TITLE.
16. LIMITATION OF LIABILITY. THE FIT ENTITIES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLA-RY OR PUNITIVE DAMAGES OF ANY KIND, UNDER ANY CONTRACT, NEG-LIGENCE, STRICT LIABILITY OR OTHER THEORY, INCLUDING WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, USE, DATA, LOSS OF OTHER INTANGIBLES, LOSS OF SECURITY OF INFORMATION YOU HAVE PROVIDED IN CONNECTION WITH YOUR USE OF THE SITE OR SERVICES , OR UNAUTHORIZED INTERCEPTION OF ANY SUCH INFORMATION BY THIRD PARTIES, EVEN IF ADVISED IN ADVANCE OF SUCH DAMAGES OR LOSSES. IN PARTICULAR, AND WITHOUT LIMITATION, THE FIT ENTITIES WILL NOT BE LIABLE FOR DAMAGES OF ANY KIND RESULTING FROM YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE SITE OR SERVICES, OR FROM ANY CONTENT POSTED ON THE SITE OR IN CONNECTION WITH THE SERVICES BY FIT OR ANY THIRD PARTY. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE SITE OR SERVICES IS TO STOP USING THE SITE OR SERVICES. THE MAXIMUM LIABILITY OF FIT FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING WITHOUT LIMITATION NEG-LIGENCE) OR OTHERWISE, SHALL BE THE TOTAL AMOUNT, IF ANY, PAID BY YOU TO FIT TO ACCESS AND USE THE SITE OR SERVICES.
While we try to maintain the integrity and security of the Site and Services and the servers from which the Site and Services are operated, we do not guarantee that the Site or Services will be or remain secure, complete or correct, or that access to the Site or Services will be uninterrupted. The Site or Services may include in-accuracies, errors and materials that violate or conflict with this Agreement. Additionally, third parties may make unauthorized alterations to the Site or Services. If you become aware of any unauthorized third party alteration to the Site or Ser-vices, contact us at info@financialinsighttraining.com with a description of the material(s) at issue and the URL or location on the Site or Services where such material(s) appear.
17. Indemnity. Except to the extent prohibited under applicable law, you agree to defend, indemnify and hold harmless each of the FIT Entities from and against all claims, losses, costs and expenses (including attorneys’ fees) arising out of (a) your use of, or activities in connection with, the Site or Services; (b) any violation or alleged violation of this Agreement by you; or (c) any claim that any of your Submissions (including any Program Participation and Program Submission) or any use or exploitation thereof caused damage to or infringed upon or violated the rights of a third party, including past, present or future infringement, misappropriation, libel, defamation, invasion of privacy or right of publicity, or violation of any right related to the foregoing.
18. Termination. This Agreement is effective until terminated. FIT may terminate your access to or use of the Site or Services, at any time and for any rea-son, including if FIT believes that you have violated or acted inconsistently with the letter or spirit of this Agreement. Upon any such termination, your right to access or use the Site or Services will immediately cease. You agree that any termination of your access to or use of the Site or Services may be effected without prior notice, and that FIT may immediately deactivate or delete your password and user name, and all related information and files associated with it, and/or bar any further access to such information or files. You agree that FIT shall not be liable to you or any third party for any termination of your access to the Site or Services or to any such information or files, and shall not be required to make such information or files available to you after any such termination. Sections 2-4 and 6-20 shall survive any expiration or termination of this Agreement.
19. Governing Law and Arbitration. This Agreement is governed by the laws of the State of New York, U.S.A., without regard to its conflicts of law provisions, and regardless of your location. ALL DISPUTES ARISING OUT OF OR RELATED TO THIS AGREEMENT OR ANY ASPECT OF THE RELATIONSHIP BETWEEN YOU AND FIT, WHETHER BASED IN CONTRACT, TORT, STAT-UTE, FRAUD, MISREPRESENTATION OR ANY OTHER LEGAL THEORY, SHALL BE RESOLVED THROUGH FINAL AND BINDING ARBITRATION BE-FORE A NEUTRAL ARBITRATOR INSTEAD OF IN A COURT BY A JUDGE OR JURY AND, BY YOUR ACCESS TO OR USE OF THIS SITE OR SERVICES, YOU AGREE THAT YOU AND FIT ARE EACH WAIVING OUR RIGHT TO TRI-AL BY A JURY. BY YOUR ACCESS TO OR USE OF THE SITE OR SERVICES, YOU AGREE THAT ANY ARBITRATION UNDER THIS AGREEMENT WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED AND, BY YOUR ACCESS TO OR USE OF THE SITE OR SERVICES, YOU ARE AGREEING TO GIVE UP THE ABILITY TO PARTICIPATE IN A CLASS ACTION. The arbitration will be administered by the American Arbitration Association under its Commercial Arbitration Rules, as amended by this Agreement. Any in-person hearings or appearances shall be held in New York County, State of New York, U.S.A. Arbitration proceedings shall be conducted in a manner that preserves confidentiality. The arbitrator’s decision shall follow this Agreement and shall be final and binding. The arbitrator shall have authority to award temporary, interim or permanent injunctive relief or relief providing for specific performance of this Agreement, but only to the extent necessary to provide relief warranted by the individual claim before the arbitrator. The award rendered by the arbitrator may be confirmed and enforced in any court having jurisdiction thereof.
20. Contact Us. If you have any questions regarding the meaning or application of this Agreement, please direct such questions to in-fo@financialinsighttraining.com. Please note that e-mail communications will not necessarily be secure; accordingly you should not include credit card information or other sensitive information in your e-mail correspondence with us.
21. Copyright Infringement Claims. The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that materials available on the Site or in connection with the Services infringe your copyright, you (or your agent) may send FIT a written notice by mail, email or fax, requesting that FIT remove the material or block access to it. If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the DMCA permits you to send FIT a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA. See http://www.copyright.gov/ for details. No-tices and counter-notices should be sent to FIT’s DMCA Agent: by mail to
DMCA Agent
Financial Insight Training
1120 Avenue of the Americas
4th Floor
New York, NY 10036;
by email to info@financialinsighttraining.com; or by fax to 732.246.7347.
We suggest that you consult your legal advisor before submitting a notice or counter-notice.
22. Filtering. Pursuant to 47 U.S.C. Section 230(d) as amended, we hereby notify you that parental control protections (such as computer hardware, software or filtering services) are commercially available that may assist you in limiting access to material that is harmful to minors. Information identifying current providers of such protections is available on the two web sites GetNetWise (http://http://www.getnetwise.org/) and On Guard Online (http://onguardonline.gov/). Please note that FIT does not endorse any of the products or services listed at such sites.
23. Notice for California Residents. Under California Civil Code Section 1789.3, California users are entitled to the following consumer rights notice:
If you have a question or complaint regarding the Site or Services, please contact us by writing to:
Director of Marketing,
Financial Insight Training,
1120 Avenue of the Americas,
4th Floor,
New York, NY 10036;
by email to info@financialinsighttraining.com or by fax to 732.246.7347. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by telephone at 916.445.1254 or 800.952.5210.
24. Miscellaneous. This Agreement does not, and shall not be construed to, create any partnership, joint venture, employer-employee, agency or franchisor-franchisee relationship between you and FIT. If any provision of this Agreement is found to be unlawful, void or for any reason unenforceable, that provision will be deemed severable from this Agreement and will not affect the validity and enforceability of any remaining provision. You may not assign, transfer or sublicense any or all of your rights or obligations under this Agreement without our express prior written consent, and any prohibited assignment, transfer or sublicense is void. We may assign, transfer or sublicense any or all of our rights or obligations under this Agreement without restriction. No waiver by either party of any breach or default hereunder will be deemed to be a waiver of any preceding or subsequent breach or default. Any heading, caption or section title contained herein is inserted only as a matter of convenience, and in no way defines or explains any section or provision hereof. This, together with all policies referred to herein, is the entire Agreement between you and FIT relating to the subject matter herein and supersedes any and all prior or contemporaneous written or oral agreements or understandings between you and FIT relating to such subject matter. Notices to you may be made via posting to the Site or through the Services, by e-mail, or by regular mail, in FIT’s discretion. The Site or Services may also provide notices of changes to this Agreement or other matters by displaying such notices or by providing links to such notices. Without limitation, you agree that a printed version of this Agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. FIT will not be responsible for failures to fulfill any obligations due to causes beyond its control.
At Financial Insight Training (“FIT”) we care about your privacy. This Privacy Policy (the “Privacy Policy”) explains how we collect, use and disclose information, including information you provide to us through our accounts, our FIT mobile application and our websites at http://www.financialinsighttraining.com, https://www.fitfundamentalstapp.com/ (the mobile application and the websites together, the “Site”), and elsewhere from which you are accessing this Privacy Policy, through our social media pages located at https://www.facebook.com/financialinsighttraining/ and https://www.linkedin.com/company/financial-insight-training (collectively, our “Social Media Pages”) as well as through HTML-formatted email messages that we send to you that link to this Privacy Policy (the Site and our Social Media Pages are together referred to as the “Services”).
FIT educates its users about behavioral finance and how to apply this information in everyday life. We offer live and recorded seminars, webcasts and publications, including, but not limited to, handouts, checklists and worksheets.
CONSENT:
To create an account, and to use our Site and services, you have to accept our Terms of Use and our Privacy Policy. By agreeing to the Terms of Service and the Privacy Policy, you consent to FIT collecting, processing, and sharing your Personal Information as described in this Privacy Policy. If you do not wish to accept this Privacy Policy or our Terms of Use, please DO NOT use our Site or services.
PERSONAL INFORMATION
Personal Information We May Collect
“Personal Information” is information that identifies you as an individual, which may include your name, shipping and billing addresses, telephone number, email address, credit card or other payment information and your FIT username and password.
You represent that you have the authority to submit any Personal Information you provide us with and to permit us to use the information in accordance with this Privacy Policy. Please DO NOT submit any Personal Information relating to other people to us or to our service providers.
How We May Collect Personal Information
We and our service providers may collect Personal Information in a variety of ways, including:
• Through the Services:
We may collect Personal Information through the Services, e.g., when you register for a seminar or webcast, order and view live and on-demand streaming media, make a purchase, or any comments you voluntarily post on our Services. We may also collect information you provide when you participate in community discussions, chats, or when you communicate with other members using FIT’s forum area on its Site. Any information you provide in these areas can be read, collected, and used by other participants in these communications. Further, we collect Personal Information when you voluntarily participate in contests and special promotions we run through our Services. Information you provide in communications with FIT’s online member services may also be collected.
• Offline:
We may collect Personal Information from you offline, such as when you attend one of our seminars, place an order over the phone or contact customer service.
• From Other Sources:
We may receive your Personal Information from other sources, such as public databases; joint marketing partners; social media platforms; from people with whom you are friends or otherwise connected on social media platforms, as well as from other third parties.
How We May Use Personal Information
We and our service providers may use Personal Information:
• To respond to your inquiries and fulfill your requests, such as to send you newsletters and e-mails.
• To send administrative information to you, for example, information regarding the Services and changes to our terms, conditions, and policies.
• To complete and fulfill your purchase, for example, to process your payments, have your order or order receipt delivered to you, communicate with you regarding your purchase and provide you with related customer service.
• To send you marketing communications that we believe may be of interest to you.
• To personalize your experience on the Services by presenting products and offers tailored to you.
• To facilitate social sharing functionality.
• To allow you to send messages to a friend through the Services. By using this functionality, you are telling us that you are entitled to use and provide us with your friend’s name and email address
• For our business purposes, such as data analysis, audits, fraud monitoring and prevention, developing new products, enhancing, improving or modifying our Services, identifying usage trends, determining the effectiveness of our promotional campaigns and operating and expanding our business activities.
• As we believe to be necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities, including public and government authorities outside your country of residence; (d) to enforce our terms of services; (e) to protect our operations; (f) to protect our rights, privacy, safety or property, and/or that of you or others; and (g) to allow us to pursue available remedies or limit the damages that we may sustain.
How Personal Information May Be Disclosed
Your Personal Information may be disclosed:
• To our third party service providers who provide services such as data analysis, payment processing, order fulfillment, information technology and related infrastructure provision, customer service, email delivery, credit card processing, auditing and other similar services.
• By you, on message boards, chat, profile pages and blogs and other services to which you are able to post information and materials (including, without limitation, our Social Media Pages). Any information you post or disclose through these Services will become public information, and may be available to users of the Services and to the general public. We urge you to be very careful when deciding to disclose your Personal Information, or any other information, on the Services. Any information you disclose on a website or platform other than ours is subject to the privacy policy and terms of service of such third party service provider. Please review those terms and privacy policy carefully prior to using such third party service.
• To a third party in the event of any reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or any portion of our business, assets or stock (including in connection with any bankruptcy or similar proceedings).
• As we believe to be necessary or appropriate: (a) under applicable law, including laws outside your country of residence; (b) to comply with legal process; (c) to respond to requests from public and government authorities including public and government authorities outside your country of residence; (d) to enforce our terms and conditions; (e) to protect our operations; (f) to protect our rights, privacy, safety or property, and/or that of you or others; and (g) to allow us to pursue available remedies or limit the damages that we may sustain.
OTHER INFORMATION
Other Information We May Collect
“Other Information” is any information that does not reveal your specific identity or does not directly relate to an individual, including:
• Browser and device information;
• Information collected through cookies, pixel tags and other technologies;
• Demographic information and other information provided by you;
• Aggregated information.
We and our third party service providers may collect Other Information in a variety of ways, including through your browser or device. Certain information is collected by most browsers or automatically through your device, such as your Media Access Control (MAC) address, computer type (Windows or Macintosh), screen resolution, operating system name and version, device manufacturer and model, language, Internet browser type and version and the name and version of the Services you are using. We use this information to ensure that the Services function.
”Cookies”: Cookies are pieces of information stored directly on the computer that you are using. Cookies allow us to collect information such as browser type, time spent on the Services, pages visited, language preferences, searches run, and other anonymous traffic data. We and our service providers use the information for security purposes, to facilitate navigation, display information more effectively, and to personalize your experience while using the Services. We can recognize your computer to assist your use of the Services. We also gather statistical information about the usage of the Services in order to continually improve the design and functionality, understand how the Services are used and to assist us with resolving questions regarding the Services. Cookies further allow us to select which of our advertisements or offers are most likely to appeal to you and display them while you are on the Services. We may also use cookies in online advertising to track responses to our advertisements.
If you do not want information collected through the use of cookies, you may be able to decline cookies; however, if you do not accept these cookies, you may experience some inconvenience in your use of the Services. For example, we may not be able to recognize your computer and you may need to log in every time you visit the applicable Services. You also may not receive advertising or other offers from us that are relevant to your interests and needs. If you decline cookies for Financial Insight Training program, you will not be able to log in or search.
We may use third-party services, such as Google Analytics, in connection with the Services. Such third-party services, including Google Analytics, may use cookies and similar technologies to collect and analyze information about Services use and to report on activities and trends. Such services may also collect information regarding the use of other websites, apps and online resources. For more information regarding Google Analytics, please go to www.google.com/policies/privacy/partners/; you can download the Google Analytics opt-out browser add-on at https://tools.google.com/dlpage/gaoptout.
Pixel tags (also known as web beacons and clear GIFs) may be used in connection with some Services to, among other things, track the actions of users of the Services (including email recipients), measure the success of our marketing campaigns and compile statistics about usage of the Services and response rates.
We may use Adobe Flash technology (including Flash Local Shared Objects (“FlashLSOs”)) and other similar technologies to, among other things, collect and store information about your use of the Services. If you do not want Flash LSOs stored on your computer, you can adjust the settings of your Flash player to block Flash LSO storage using the tools contained in the Site Storage Settings Panel. You can also control Flash LSOs by going to the Global Storage Settings Panel and following the instructions (which may include instructions that explain, for example, how to delete existing Flash LSOs (referred to “information” on the Macromedia site), how to prevent Flash LSOs from being placed on your computer without your being asked, and (for Flash Player 8 and later) how to block Flash LSOs that are not being delivered by the operator of the page you are on at the time). Please note that setting the Flash Player to restrict or limit acceptance of Flash LSOs may reduce or impede the functionality of some Flash applications, including, potentially, Flash applications used in connection with the Services or our online content.
Your “IP Address” is a number that is automatically assigned to the computer that you are using by your Internet Service Provider (ISP). An IP Address may be identified and logged automatically in our server log files whenever a user accesses the Services, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice and is done automatically by many websites, applications and other services. We use IP Addresses for purposes such as calculating usage levels of the Services, helping diagnose server problems, and administering the Services.
We collect information such as your location, your preferred means of communication, as well as other information when you voluntarily provide this information. Unless combined with Personal Information, this information does not personally identify you or any other user of the Services.
We may have access to aggregated Personal Information. Aggregated Personal Information does not personally identify you or any other user of the Services. For example, we may aggregate Personal Information to calculate the percentage of our users who have a particular telephone area code.
How We May Use and Disclose Other Information
Please note that we may use and disclose Other Information for any purpose, except where we are required to do otherwise under applicable law. If we are required to treat Other Information as Personal Information under applicable law, then we may use it as described in “How We May Collect Other Information” section above, as well as for all the purposes for which we use and disclose Personal Information.
In some instances, we may combine Other Information with Personal Information (such as combining your name with your geographical location). If we combine any Other Information with Personal Information, the combined information will be treated by us as Personal Information as long as it is combined.
THIRD PARTY SERVICES
This Privacy Policy does not address, and we are not responsible for, the privacy, information or other practices of any third parties, including any third party operating any site or service to which the Services link. The inclusion of a link on the Services does not imply our endorsement of the linked site or service.
We are not responsible for the collection, usage and disclosure policies and practices (including the data security practices) of other organizations, such as Facebook, Apple, Google, Microsoft, RIM or any other app developer, app provider, social media platform provider, operating system provider, wireless service provider or device manufacturer, including any Personal Information you disclose to other organizations through or in connection with our Social Media Pages.
SECURITY
We seek to use reasonable organizational, technical and administrative measures to protect Personal Information within our organization. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us of the problem by contacting us in accordance with the “Contact Us” section below.
CHOICES AND ACCESS
Your choices regarding our use and disclosure of your Personal Information
We give you many choices regarding our use and disclosure of your Personal Information for marketing purposes. You may opt-out from:
• Receiving electronic communications from us: If you no longer want to receive marketing-related emails from us on a going-forward basis, you may opt-out of receiving these marketing-related emails by following the unsubscribe instructions included in each marketing-related email.
• Receiving telephone calls, fax messages or postal mail from us: If you no longer want to receive marketing-related telephone calls or postal mail from us on a going-forward basis, you may opt-out of receiving these marketing communications by sending an email to privacy@financialinsighttraining.com and specifying the contact information used and form of marketing from which you are opting out.
We will try to comply with your request(s) as soon as reasonably practicable. Please also note that if you do opt-out of receiving marketing-related emails from us, we may still send you important administrative messages while you are a member, and you cannot opt-out from receiving administrative messages.
How You Can Access, Change or Suppress your Personal Information
If you would like to review, correct, update, suppress, or delete Personal Information that has been previously provided to us by you, you may contact us by writing to:
Director of Marketing
Financial Insight Training
1120 Avenue of the Americas, 4th Floor
New York, NY 10036
Email: info@financialinsighttraining.com
In your request, please make clear what Personal Information you would like to have changed, whether you would like to have your Personal Information that you have provided to us suppressed from our database or otherwise let us know what limitations you would like to put on our use of your Personal Information that you have provided to us. For your protection, we may only implement requests with respect to the Personal Information associated with the particular email address that you use to send us your request, and we may need to verify your identity before implementing your request. We will try to comply with your request as soon as reasonably practicable.
Please note that we may need to retain certain information for recordkeeping purposes and/or to complete any transactions that you began prior to requesting such change or deletion (e.g., when you make a purchase, you may not be able to change or delete the Personal Information provided until after the completion of such purchase). There may also be residual information that will remain within our databases and other records, which will not be removed.
RETENTION PERIOD
We will retain your Personal Information for the period necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law.
USE OF SERVICES BY MINORS
The Services are not directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personal Information through the Services.
CROSS-BORDER TRANSFER
The Services are controlled and operated by us from the United States, and are not intended to subject us to the laws or jurisdiction of any state, country or territory other than that of the United States. Your Personal Information may be stored and processed in any country where we have facilities or in which we engage service providers, and by using the Services you consent to the transfer of information to countries outside of your country of residence, including the United States, which may have different data protection rules than those of your country.
SENSITIVE INFORMATION
Please do not not send us, or otherwise disclose to us, any sensitive Personal Information (e.g., social security numbers, information related to racial or ethnic origin, political opinions, religion or other beliefs, health, criminal background or trade union membership) on or through the Services or otherwise .
California’s Shine the Light Law
California Civil Code Section 1798.83, known as the “Shine the Light” law, permits Users who are California residents to request and obtain from us a list of what Personal Information (if any) we disclosed to third parties for their direct marketing purposes in the preceding calendar year and the names and addresses of those third parties. Requests may be made only once a year and are free of charge. Under Section 1798.83, we currently do not share any Personal Information with third parties for their own direct marketing purposes.
UPDATES TO THIS PRIVACY POLICY
We may change this Privacy Policy. Please take a look at the “LAST UPDATED” legend at the top of this page to see when this Privacy Policy was last revised. Any changes to this Privacy Policy will become effective when we post the revised Privacy Policy on the Services. Your use of the Site or Services following these changes means that you accept the revised Privacy Policy. If you do not accept a revised Privacy Policy, please do not continue using the Site or Services.
CONTACTING US
If you have any questions about this Privacy Policy, please contact us by email at info@financialinsighttraining.com, or please write to the following address:
Director of Marketing
Financial Insight Training
1120 Avenue of the Americas, 4th Floor
New York, NY 10036
Email: info@financialinsighttraining.com
Please note that email communications are not always secure; so please do not include credit card information or sensitive information in your emails to us.