Use Outside the United States of America. Candofinance.com is controlled and offered by IAC Publishing, LLC from the United States of America and, regardless of your place of residence or access location, your use of them is governed by the law of the State of California, USA. IAC Publishing, LLC makes no representations that the website is appropriate for use in other locations or is legal in all jurisdictions. Those who access or use the Site from other locations do so at their own risk and consent to the transfer and processing of their data in the United States of America and any other jurisdiction throughout the world. As a U.S. company, these Terms of Service are provided in English. Translations to certain other languages may be available and can be requested by contacting us at email@example.com
IAC Publishing, LLC (“IACP”), “we”, “us”, or “our”) provides the Reference.com site (the “Site”) and the offered services and features (the “Services”) subject to these Terms of Service (“Terms of Service”). By using the Site and Services, you are deemed to accept and be bound by these Terms of Service, INCLUDING A MANDATORY ARBITRATION OF DISPUTES CLAUSE AND CLASS ACTION WAIVER CONTAINED IN SECTION 15 BELOW. If you do not accept these Terms of Service, please discontinue using the Site and Services. Your use of the Site or a service included within the Site may also be subject to additional terms that govern particular services, offers, or features, such as community or chat areas or special promotions or contests or sweepstakes (the “Additional Terms”). In the event that any of the provisions in these Terms of Service conflict with Additional Terms provided with any particular service, then these Terms of Service shall control. The Terms of Service applies regardless of the device used to access the Site and/or Services (e.g., personal computer, a mobile device or any other technology or software known today or developed in the future).
Links to the various sections in these Terms of Service are provided below for your convenience.
These Terms of Service may change from time to time, without any notice other than posting on the relevant page. Your continued use of the Site and Services following our posting of changes constitutes your acceptance of any such changes. Please check this page from time to time for current Terms of Service.
All right, title and interest to the content displayed on the Site, including but not limited to the Site’s look and feel, data, information, text, graphics, images, sound or video materials, photographs, designs, trademarks, service marks, trade names, URLs and content provided by third parties, are the property of IACP, or respective third parties, and are protected by copyright, trademark, patent or other proprietary rights and laws. Any such content may be used solely for your personal, non-commercial use. You agree not to modify, reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate any such material without the written permission of IACP or the appropriate affiliate. You are not granted any other license or right (including by implication, by estoppel or otherwise), with respect to the Site, Services, or any content accessible through the Site or Services. Any rights not expressly granted in these Terms of Service are reserved by IACP.
In your use of the Site and Services, you agree to comply with all applicable laws including those regarding the transmission of technical data exported from the United States or the country in which you reside.
The Site and Services are not intended for children under 13 years of age, and you may not use the Site or Services or register for additional features or create a user profile, if applicable, if you are under 13. You hereby represent and warrant that you are at least 13 years of age.
When using any portion of and/or functionality on or through the Site or Services, you agree to abide by the following Code of Conduct.
You may not send automated queries of any sort to the Site, including:
IACP reserves the right to take any action it deems appropriate if it determines, in its sole and absolute discretion, that you have engaged in any of these practices or otherwise violated these Terms of Service. Such action may include, without limitation, terminating your license to access the Site or use the Services or initiating civil or criminal legal proceedings. Internet transmissions are never completely secure.
The Site and Services include links to other websites or resources. Because IACP has no control over such sites and resources, you acknowledge and agree that IACP is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You acknowledge that such external sites usually have their own terms and conditions, including privacy policies, over which IACP has no control and which will govern your rights and obligations with respect to the use of those websites.
To offer use of the Site and Services to its users for free, IACP allows advertisers to display advertisements or promotional answers on the Site. Your dealings with advertisers and third party vendors found on or through the Services and/or on the Site, including your participation in promotions, purchase of goods and services, and any terms, conditions, warranties or representations associated with such activities, are solely between you and the third party advertiser or vendor. IACP does not make any representations or warranties with respect to any goods, services or websites that appear in advertisements or promotional answers, and you agree that IACP will have no liability for any loss or damage of any kind incurred as a result of any activities you undertake in connection with the use of or reliance on any content, goods, services, information or other materials available, through advertisers and/or third party vendors. You understand that there is an inherent risk in submitting content to the Site and/or Services, and that any communications may be subject to interception by a third party.
You understand that by using the Services, you may be exposed to content that is offensive, indecent or objectionable. In addition, if you rely on the accuracy, completeness, or usefulness of any linked third party websites or resources or any answer or comment posted by a member, you do so solely at your own risk. Under no circumstances will IACP be liable in any way for such content, including, but not limited to, for any errors, omissions or misrepresentations in any linked third party website, or for any loss or damage of any kind incurred by you as a result of your use of, or reliance on, or any linked third party website.
You acknowledge that IACP is a provider of interactive computing service as set forth in the Communications Decency Act, 47 U.S.C. § 230, and expressly reserves its rights to not be treated as the publisher or speaker of any information provided by another information content provider of the Site or through any additional features.
You acknowledge, consent, and agree that IACP may access, preserve, and disclose your account information and/or any content you submit or make available for inclusion on the Site and/or Services, if required to do so by law or in a good faith belief that such access, preservation, or disclosure is reasonably necessary for any of the following reasons: (1) to comply with legal process; (2) to enforce these Terms of Service; (3) to respond to claims that any content violates the rights of third parties; (4) to protect the rights, property, or personal safety of IACP, its users, and the public; or (5) to respond to your requests for customer service.
IACP reserves the right at any time and from time to time to modify, suspend, discontinue or terminate the Services (or any part thereof) with or without notice. You agree that IACP will not be liable to you or to any third party for any modification, suspension, discontinuation or termination of the Services.
You can terminate your account at any time by sending a request through the Settings - Your Account page. You can also delete your profile information at any time by contacting us at [firstname.lastname@example.org]. We may terminate your use of the Site and/or Services or account and deny you access to the any additional services in our sole discretion due to: (i) your violation of these Terms of Service or applicable law; or (ii) if we consider, in our sole discretion, that (a) certain questions, answers or comments you have posted are inappropriate and/or do not meet the our guidelines, (b) your use of the Site or Services does not meet our standards or violates our guidelines or (c) you have otherwise violated these Terms of Service. You agree that any termination of your access to the Services may be effected without prior notice, and acknowledge and agree that IACP may immediately deactivate or delete your account and all related information and/or bar any further access to your account or the Site or Services. If you use the Site or Services in violation of these Terms of Service, IACP may, in its sole discretion, retain all data collected from your use of the Site or Services. Further, you agree that IACP shall not be liable to you or any third party for the discontinuation or termination of your access to the Site or Services.
BY USING THE SITE AND SERVICES YOU UNDERSTAND AND AGREE THAT:
YOUR USE OF THE SITE AND SERVICES IS AT YOUR SOLE RISK. THE SITE AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. IACP EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR THE SITE’S PARTICULAR PURPOSE AND NON- INFRINGEMENT.
YOU UNDERSTAND AND AGREE THAT IACP, ITS SUBSIDIARIES, AND AFFILIATES, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS, ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, INCLUDING, BUT NOT LIMITED TO, ANY LOSS OF USE, LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, COST OF PROCUREMENT OF SUBSTITUTE SERVICES, OR ANY OTHER INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, HOWSOEVER CAUSED, AND ON ANY THEORY OF LIABILITY, WHETHER FOR BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE AND STRICT LIABILITY), OR OTHERWISE RESULTING FROM:
THESE LIMITATIONS WILL APPLY WHETHER OR NOT IACP HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY.
BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.
You agree to indemnify and hold IACP, its subsidiaries, and affiliates, and their officers, directors, employees and agents, harmless from and against any and all liability, losses, claims, demands, disputes, damages or costs of any kind, including, without limitation, reasonable attorneys’ fees and costs of litigation, resulting from or in any way connected with (a) any content you post to the Site or otherwise display or transmit through the Services, (b) your use of or reliance on the Site or Services, (c) your connection to the Site or Services, (d) your violation of these Terms of Service, our guidelines or applicable law, or (e) your violation of any rights of another party.
We own all right, title and interest in and to the Site, the products and Services offered on the Site as well as our logos, tradenames, and trademarks (“IACP IP”).
The IACP IP is protected under U.S. and international intellectual property laws (including, without limitation, copyright and trademark). Except as otherwise allowed under these TOU, you agree not to copy, display, or use the IACP IP in any manner without IACP's prior written permission. To seek permission to use any of the IACP IP, please contact IACP in writing at the following address:
IAC Publishing, LLC
Attention: Legal Department
555 12th Street, Suite 400
Oakland, CA 94607
IACP respects the intellectual property rights of others and requires those that visit the Site and use the Services to do the same. IACP may, in appropriate circumstances and at our discretion, remove or disable access to material on the Site or Services that infringes upon the copyright rights of others. IACP also may, at our discretion, remove or disable links or references to an online location that contains infringing material or infringing activity. In the event that any visitors to the Site or users of our Services repeatedly infringe on others’ copyrights, IACP may in its sole discretion terminate those individuals’ rights to use the Site and/or Services pursuant to our Digital Millennium Copyright Act repeat infringer policy.
If you believe that your work has been used on the Site or in connection with its Service in any manner that constitutes copyright infringement, please notify IACP copyright agent by written notice. The notice should include the following information:
The contact information for IACP copyright agent for notice of claims of copyright infringement on the Site and/or in connection with the Services is:
Mail: Refence.com Copyright Agent at IAC Publishing, LLC
Attn: Legal Department
555 12th Street, Suite 400
Oakland, CA 94607
These Terms of Service and the relationship between you and IACPare governed by the laws of the State of California without regard to its conflict of law provisions.
PLEASE READ THIS SECTION CAREFULLY – IT MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS.
ARBITRATION IS DIFFERENT FROM COURT; THE RULES, INCLUDING DISCOVERY ARE DIFFERENT AND NO JUDGE OR JURY IS PRESENT AT AN ARBITRATION. THE AWARD IS FINAL AND BINDING AND SUBJECT ONLY TO LIMITED REVIEW BY A COURT.
If any provision of these Terms of Service is found by a court or other binding authority to be invalid, the remaining provisions contained in these Terms of Service shall continue in full force and effect.
You agree that any claim or cause of action arising out of your use of the Site or Services or these Terms of Service must be filed within one year after such claim or cause of action arose or it shall forever be barred, notwithstanding any statute of limitations or other law to the contrary. Within this period, any failure by IACP to enforce or exercise any provision of these Terms of Service or any related right shall not constitute a waiver of that right or provision.
You agree that, except for IACP and as otherwise expressly provided in these Terms of Service, there shall be no third party beneficiaries to this agreement.
The section titles in this Terms of Service are for convenience only and have no legal or contractual effect.
Updated: January 25, 2017