Under 18 Years Old
You agree that by using the Sites or Software that you are at least eighteen (18) years old and that you
PARENT'S (OR LEGAL GUARDIAN'S) PERMISSION TO USE THE SITES OR THE SOFTWARE. If you are a parent (or
guardian) permitting a minor to use the Sites or Software, you agree to: (a) be legally bound to the
legal guardian); (b) supervise the minor's use of the Sites or the Software; (c) assume all risks
with the minor's viewing of content received through use of the Sites or the Software and the minor's
transmission of materials, content or information to another person via the Sites or the Software; (d)
any and all liabilities resulting from the minor's use of the Sites or the Software; and (e) ensure to
fullest extent possible the accuracy and truthfulness of all information submitted by the minor to
If you are a school administrator (teacher or volunteer) assisting a minor in accessing and/or using the Sites or the Software, you agree to: (1) receive prior permission from the minor's parent (or legal guardian) to assist the minor in accessing and/or using the Sites or Software; (2) supervise the minor's use of the Sites or the Software; and (3) ensure to the fullest extent possible the accuracy and truthfulness of all information submitted to us by the minor.
All rights, title and interest (including all copyrights, trademarks and other intellectual property rights) in the Sites and the Software, belong to us and our licensors. All other trademarks, service marks and logos used in this Sites are the trademarks, service marks or logos of their respective owners. No portion of the materials on the Sites may be reprinted or republished in any form without our express written permission.
We hereby grant you the right to view and use the Sites only for the purpose of accessing
conducting transactions on the Sites. You agree not to reproduce, duplicate, copy, sell, resell or
any commercial purposes, any portion of the Sites, use of the Sites or access to the Sites. We also
a personal, non-transferable, non-exclusive and non-assignable right and license to use the
including all files and images contained in or generated by the Software and accompanying data, only
purpose of accessing information, as well as conducting and/or facilitating transactions on the
provided that you do not (and do not allow any third party to) copy, modify, create a derivative
reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign,
grant a security interest in or otherwise transfer any right in the Software. You agree not to
Software in any manner or form, or to use modified versions of the Software. We reserve the right to
or deny, in our sole discretion, your access to all or any portion of the Sites or the
Nothing contained on the Sites should be understood as granting you a license to use any of the trademarks, service marks or logos owned by us or by any third party.
Chatroom, Message Boards
We may provide you with an opportunity to post and exchange information, ideas and opinions (the
You acknowledge that Postings do not necessarily reflect our views. In no event shall we assume or
responsibility or liability for them. Postings do not necessarily reflect our views. In no event
assume or have any responsibility or liability for any Postings or for any claims, damages or losses
from their use or appearance on the Sites. You agree that you will not be compensated for any
You hereby represent and warrant that you have all necessary rights in and to all Postings you provide and all information they contain, and that such Postings shall not infringe any proprietary or other rights of third parties, or contain any libelous, tortious or any unlawful information. You hereby authorize us to use your Postings in whole or in part, throughout the universe in perpetuity in any and all media, now known or hereafter devised, alone, or together or as part of other material of any kind or nature. Without limitation, we will have the right to use and change the Postings in any manner that we may determine. Further, we may sweep our chatrooms and/or message boards periodically in our sole discretion.
Compliance with Intellectual Property Laws
When accessing the Sites or using the Software, you agree to obey the law and to respect the
property rights of others. Your use of the Sites and the Software is at all times governed by and
laws regarding copyright ownership and use of intellectual property. You agree not to upload,
display, perform, transmit or otherwise distribute any information, content or Postings
"Content") in violation of any third party's copyrights, trademarks or other intellectual property
proprietary rights. You agree to abide by laws regarding copyright ownership and use of intellectual
and you shall be solely responsible for any violations of any relevant laws and for any
party rights caused by any Content you provide or transmit, or that is provided or transmitted using
account and password. The burden of proving that any Content does not violate any laws or third
rests solely with you.
We also respect the intellectual property that belongs to you. Thus, we may, in appropriate circumstances and at our discretion, terminate the accounts of users who infringe on your intellectual property rights. If you believe that any material on this Sites infringes on any intellectual property that you own or control, or that any link on this Sites directs you to another Sites that contains material that infringes on any intellectual property that you own or control, you may file a notification of such infringement with us to have the material removed or otherwise blocked from access. Notification procedures are set forth in the section entitled "Addressing Infringement".
We have in place certain legally mandated procedures regarding allegations of intellectual property
infringement occurring on the Sites or with the Software. We have adopted a policy that provides for
immediate suspension and/or termination of any user who is found to have infringed on our rights or
party or otherwise violated any intellectual property laws or regulations. Our policy is to
allegations of infringement brought to our attention.
If you have evidence, know or have a good faith belief that your rights or the rights of a third party have been violated and you want us to delete, edit or disable the material in question, you must provide us with all of the following information: (a) a physical or electronic signature of a person authorized to act on behalf of the owner of the exclusive right that is allegedly infringed; (b) identification of the work claimed to have been infringed, or, if multiple works are covered by a single notification, a representative list of such works; (c) identification of the material that is claimed to be infringed or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit us to locate the material; (d) information reasonably sufficient to permit us to contact you, such as an address, telephone number, and if available, an electronic mail address at which you may be contacted; (e) a statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the owner, its agent or the law; and (f) a statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. For this notification to be effective, you must provide it to our designated agent at:
- Sherry Avena, Chief Executive Officer
Interactive Financial Services Group, Inc.
Telephone: (800) 787-7728
Warranty Disclaimer, Limitation of Damages
THESE SITES AND THE SOFTWARE, INCLUDING ANY CONTENT OR INFORMATION CONTAINED WITHIN IT OR ANY SITES-RELATED SERVICE, IS PROVIDED "AS IS" WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THESE SITES, THE SOFTWARE AND SITES-RELATED SERVICES. WE ARE NOT RESPONSIBLE NOR LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES ARISING OUT OF OR RELATING IN ANY WAY TO THE SITES, THE SOFTWARE OR SITES-RELATED SERVICES, OR CONTENT OR INFORMATION CONTAINED WITHIN THE SITES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITES, THE SOFTWARE OR SITES-RELATED SERVICES IS TO STOP USING THE SITES, THE SOFTWARE OR THOSE SERVICES. Although we attempt to ensure the integrity and accurateness of the Sites, we make no guarantee whatsoever as to the correctness or accuracy of the Sites. It is possible that the Sites could include inaccuracies or errors, and that unauthorized additions, deletions and alterations could be made to the Sites by third parties. In the event that an inaccuracy arises, please inform us so that it can be corrected.
Web Sites Links and Third-Party Sites
These Sites may contain links to other Internet Sites that are independent of this Sites. We make no representation or warranty as to the accuracy, value, integrity, completeness or authenticity of the information or opinions contained in any such linked Internet Sites, and any link to another Internet Site shall not in any manner be construed as an endorsement by us of that Internet Site, or of the products or services described therein. Furthermore, these links may lead to Sites or links that contain offensive and objectionable content or which may contain dangerous computer viruses. You assume, and we hereby disclaim, all responsibility for any of the content on these Internet Sites or for any damage sustained by users of these Internet Sites
Confidentiality of Use
Your confidential use of these Sites cannot be guaranteed by us. We shall not be responsible for any harm that you or any person may suffer as a result of a breach of confidentiality in respect to your use of the Sites or the Software.
Security of Account and Password
LIABILITIES, CLAIMS, DEMANDS OR EXPENSES, INCLUDING REASONABLE ATTORNEYS' FEES, THAT ARE DUE TO, OR THAT ARISE FROM YOUR USE OR MISUSE OF THESE SITES, THE SOFTWARE, ANY SERVICES THEREIN OR FOR INFRINGEMENT BY YOU OR OTHERS OF INTELLECTUAL PROPERTY RIGHTS OR OTHER RIGHTS OF ANY THIRD PARTY. WE MAY ASSUME EXCLUSIVE CONTROL OF ANY DEFENSE OR ANY MATTER SUBJECT TO INDEMNIFICATION BY YOU, AND YOU AGREE TO COOPERATE WITH US IN SUCH EVENT.
We operate and control these Sites from Seattle, Washington. These Sites are intended for residents of the United States only. We do not represent that all content, materials and services on our Sites are appropriate or available for use in all geographic locations, especially locations outside the United States, and accessing such from certain locations may be illegal and prohibited. Those who do access content, materials and services from such locations act on their own initiative and we are not responsible for their compliance with local laws or other applicable laws. You agree not to access the Sites where prohibited by law. Further, no Software may be downloaded, exported or re-exported in violation of any law including, without limitation, to countries that are subject to U.S. export restrictions.