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SavvyInsider Media Group, LLC. ("SavvyInsider") provides users with access to a rich collection of resources through SavvyInsider.com ("Website"). Thank you for taking the time to read these Terms and Conditions and we hope you enjoy SavvyInsider.com.
Acceptance
By using SavvyInsider.com, you agree, without limitation or qualification, to be bound by, and to comply with, these Terms and Conditions, and any other posted guidelines or rules applicable to any individual SavvyInsider product or service.
Visitor Code of Conduct
This 'Terms of Usage Agreement' ("Agreement") informs visitors of the rules and policies that govern our Website. We use the term "visitors" to include any other person that accesses our Website at any point for any amount of time. Visitors are expected to follow any posted guidelines or rules.
We may update this Agreement from time to time without notice. Any changes in our terms of usage will be incorporated into a revised Agreement that we will post on this Website. All visitors have the obligation to review changes to this Agreement. Unless otherwise specified, such changes shall be effective when they are posted. Your access or use of this Website constitutes your agreement to be bound by this Agreement, including any changes that exist when you re-access our site. IF YOU DO NOT AGREE WITH THE TERMS OF THIS AGREEMENT, OR ANY POSTED GUIDELINES OR RULES, PLEASE DO NOT USE THIS SITE.
To participate in our Website activities, we may request that you submit certain personally identifiable information about yourself, including your name and personal contact information ("personal information"). We may also gather certain types of non-personal information about your visit to protect the security of our members or our site or to make our program content more enjoyable for all our visitors.
All information gathered from visitors by this Website will be governed by our Privacy Policy, which is incorporated in this Terms of Usage Agreement by reference. If there is a conflict between the terms of this Agreement and our Privacy Policy, the terms of the Privacy Policy will prevail. Please carefully review our Privacy Policy to understand our collection, use and disclosure practices.
Visitors are responsible for providing accurate, timely and complete information to us and our operational providers, agents and affiliates in connection with a visitor's participation and/or use of this Website. Your participation in our Website activities will be canceled without notice if, at any time, we discover that you provide false information or violate any term of this Agreement or our Privacy Policy. SavvyInsider, its operational and promotional providers, partners, affiliates, subsidiaries and sponsors are not liable or responsible for any claims relating to any inaccurate, untimely, false or incomplete information provided to us or from a visitor's failure to fully comply with any provision of this Agreement. If necessary, and in accordance with applicable law, SavvyInsider will cooperate with local, state and/or federal authorities to protect our Website, visitors, partners, affiliates, subsidiaries and operational providers or to prevent unauthorized use of the site.
Interactive Areas
We may provide interactive activities such as a Community Forum or a Poll, collectively identified as "Interactive Areas," for the enjoyment of our visitors.
Any submissions or postings by visitors to certain parts of this Website, including Interactive Areas, without limitation, will be public and posted in public areas on the Website. SavvyInsider, its partners, affiliates, subsidiaries, members, directors, officers, employees, and any contract or operational providers that conduct, operate and/or manage SavvyInsider's Interactive Areas, will not be responsible for the action of any visitors or third parties with respect to any information, materials or content posted, uploaded or transmitted in these Interactive Areas.
You must be thirteen years of age or older to participate in SavvyInsider's Interactive Areas. Interactive Areas not conducted, operated and/or managed by SavvyInsider may require a different process.
SavvyInsider will not knowingly allow participation in its Interactive Areas by persons under thirteen years old. By participating in any of SavvyInsider's activities, all visitors agree to follow SavvyInsider's standards of conduct. Postings to public areas may not be reviewed by SavvyInsider prior to appearing on the Website. Nonetheless, SavvyInsider reserves the right to change, delete, or remove, in part or in full, any postings in Interactive Areas and to terminate or suspend access to such areas for conduct that we believe, in our sole discretion, interferes with other peoples' enjoyment, and/or cooperate with local, state, and/or federal authorities if necessary, and in accordance with applicable law.
We do our best to encourage comfort and discourage disruptive communication. We also discourage disruptive statements that incite others to violate our standards.You are responsible for all content that you post, e-mail, transmit, upload or otherwise make available through our Website.
You agree not to use the Interactive Areas or this Website to make available any content that:
- is unlawful, harmful to adults or minors, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable; or
- infringes any patent, trademark, trade secret, copyright or other proprietary rights of any person; or
- contains unauthorized advertising or solicits other visitors; or
- is intended by the visitor to interrupt, destroy or limit the functionality or integrity of any computer software, hardware or Materials on this Website.
SavvyInsider may allow users to post reviews of events, movies, and businesses ("Reviews"). Such Reviews are governed by the terms of this Terms of Usage Agreement, including, without limitation, the user's agreement regarding his or her use of Interactive Areas. Reviews do not reflect the views of SavvyInsider, its affiliates or their respective employees, officers, directors or shareholders. SavvyInsider does not assume responsibility or liability for any Review or for any claims, damages, or losses resulting from the use of this service or the materials contained therein.
SavvyInsider strives to make its Interactive Areas enjoyable. SavvyInsider may provide Interactive activities on a number of topics, but our staff or volunteer hosts participating in these activities do not offer professional advice of any kind and are speaking from their own experience or opinion as is helpful for the facilitation of the dialogue. These hosts claim no professional expertise or authority. We may also post additional guidelines and/or code of conduct for certain Interactive Area events. Any additional posted rules will be incorporated into this Agreement. To the extent there is a conflict between the rules of a specific event and this Agreement, the rules of the specific event will govern. If you see objectionable content or have any questions about this Terms of Usage Agreement, please contact us at "webmaster at savvyinsider dot com."
Accuracy Of User Information
By accepting these Terms and Conditions, you represent and warrant that all information you submit anywhere on the SavvyInsider.com Website is truthful, current, complete and accurate, and that you will maintain and update your information to keep it accordingly. You acknowledge that if any of your information is untrue, inaccurate, not current or incomplete in any respect, SavvyInsider reserves the right to terminate this Agreement and your use of the Network.
Sponsors, Third Parties And Advertisers
This Website may contain links to Internet Websites maintained by third parties. SavvyInsider does not operate or control in any respect any information, products, or services on such third-party sites. Third-party links do not constitute any endorsement by SavvyInsider. User assumes sole responsibility for use of these third-party links. Your correspondence or business dealings with, or participation in promotions of, sponsors, third parties or advertisers found on or through the SavvyInsider.com Network, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such sponsor, third party or advertiser. You agree that SavvyInsider shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such sponsors, third parties or advertisers on the Network.
Advice and Opinions
Our Website contains facts, views, opinions and statements of third parties, visitors and other organizations. SavvyInsider does not represent or endorse the accuracy or reliability of any advice, opinion, statement or other information displayed or distributed through our Website. You acknowledge that any reliance upon any such advice, opinions, statement or other information shall be at your sole risk and you agree that SavvyInsider shall not be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused in any way whatsoever related to any advice, opinions, statements or other information displayed or distributed on our Website.
Modifications And Revisions
SavvyInsider Media Group, LLC shall have the right at any time to impose, change, discontinue or modify any aspect or feature of the SavvyInsider.com Website including, but not limited to, content, hours of availability, and equipment needed for access or use, or to impose new Terms and Conditions with or without notice to you. You agree to review the Terms and Conditions of this Agreement periodically to be aware of such revisions. You may also be subject to additional Terms and Conditions imposed by third party content providers in connection with third party content, software or services.
Newsletter Communications
As a part of the free opt-in SavvyInsider.com newsletter, we communicate via e-mail to inform you of Web site updates, enhancements or changes or other relevant information targeted to your interests. Details of these communication efforts are noted within the Privacy Policy. Users have the option to remove themselves from various e-mail communications by following the "unsubscribe" directions listed within the message. However, even though users may request removal from the distribution of certain e-mails, SavvyInsider has the right to send messages from time to time that we believe would interest them.
Term
This Agreement will remain in full force and effect while you use the Network.
Photos And Graphics
You may not create derivative works from any photo or graphic, display or distribute copies of it, publish it, use it in a performance, or modify it in any manner. You may not distribute or sublicense the images nor use the images in any commercial, advertising, marketing or professional manner whatsoever. Neither SavvyInsider nor our photo providers will be responsible or liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from your access to or use or misuse of the images displayed on SavvyInsider.
Indemnification
You agree to defend, indemnify, and hold harmless SavvyInsider Media Group, LLC, its officers, directors, employees, affiliates, agents, partners and third parties, for any claims, losses, costs, liabilities, and expenses from any third party claim or demand (including reasonable attorneys' fees) relating to or arising out of your use of the SavvyInsider.com Website, your violation of these Terms of Service, or content you submit to or post on the Network. This indemnity shall be applicable without regard to the negligence of any party, including any indemnified person.
Intellectual Property
SavvyInsider Media Group, LLC has carefully designed the SavvyInsider Website with the purpose of delivering certain content to users in a particular format and with a particular appearance. No third party shall have the right to utilize the content of the SavvyInsider Website in any way that interferes with that purpose. In particular, SavvyInsider Media Group, LLC prohibits any party from displaying the content on the SavvyInsider Website in any format where third party advertising or other materials that SavvyInsider Media Group, LLC did not authorize is viewed or viewable together with SavvyInsider's proprietary content. You acknowledge that the SavvyInsider.com Website contains copyrighted material, software, trademarks and other proprietary information including code, text, names, logos, images, articles, columns, software, photographs, video, graphics, music and sound, and the entire contents of the Web site are copyrighted as a collective work under the United States copyright laws. SavvyInsider Media Group, LLC is the owner of all intellectual property rights and copyrights in the entire SavvyInsider.com Website, including, but not limited to, database rights, copyright, design rights (whether registered or unregistered), trade marks (whether registered or unregistered) and other similar rights wherever existing in the world together with the right to apply for protection of the same. All other trademarks, logos, service marks, company or product names set forth in this Website are the property of their respective owners. SavvyInsider Media Group, LLC owns a copyright in the selection, coordination, arrangement and enhancement of such content, as well as in the content original to it. Each third party content provider owns the copyright in content original to it. You agree not to modify, add, delete, distort, copy, redistribute, reproduce, republish, download, transmit, display, participate in the transfer or sale, create derivative works, or in any way exploit the content of the SavvyInsider.com Website or any portion of it, including by caching, framing or similar means, without the express permission of SavvyInsider Media Group, LLC and the copyright owner. Neither these materials nor any portion thereof may be stored in a computer except for personal and non-commercial use. This Website includes material which is copyright 2004 SavvyInsider Media Group, LLC. All rights reserved. SavvyInsider.com content is the intellectual property of SavvyInsider Media Group, LLC. All other trademarks appearing on the Website are trademarks of their respective owners and our reference to them does not imply or indicate any approval or endorsement by their owners unless such approval or endorsement is expressly made. SavvyInsider Media Group, LLC will enforce its intellectual property rights to the fullest extent of the law.
Disclaimers
- A. ALL PRODUCTS, SERVICES AND INFORMATION MADE AVAILABLE ON OR THROUGH THIS WEBSITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. SAVVYINSIDER DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. SAVVYINSIDER.COM CANNOT GUARANTEE AND DOES NOT PROMISE ANY SPECIFIC RESULTS FROM USE OF THE WEBSITE AND/OR THE SERVICE.
- B. YOU EXPRESSLY AGREE THAT USE OF THE SAVVYINSIDER.COM WEBSITE IS AT YOUR SOLE RISK. USERS SHALL BE RESPONSIBLE FOR OBTAINING AND MAINTAINING ALL TELEPHONE, COMPUTER HARDWARE AND OTHER EQUIPMENT NEEDED FOR ACCESS TO AND USE OF THE SAVVYINSIDER WEBSITE AND ALL CHARGES RELATED THERETO. SAVVYINSIDER DISCLAIMS LIABILITY FOR, AND NO WARRANTY IS MADE WITH RESPECT TO, CONNECTIVITY AND AVAILABILITY. NEITHER SAVVYINSIDER MEDIA GROUP, INC., ITS AFFILIATES NOR ANY OF ITS RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE SAVVYINSIDER.COM WEBSITE WILL BE SECURE, UNINTERRUPTED OR ERROR FREE; THAT DEFECTS WILL BE CORRECTED; OR THAT THE WEBSITE OR THE SERVER THAT MAKES THEM AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE DISCLAIMERS OF LIABILITY APPLY TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT SAVVYINSIDER MEDIA GROUP, INC. IS NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH YOU. SAVVYINSIDER.COM IS NOT RESPONSIBLE FOR ANY PROBLEMS OR TECHNICAL MALFUNCTION OF ANY TELEPHONE NETWORK OR LINES, COMPUTER ONLINE SYSTEMS, SERVERS OR PROVIDERS, COMPUTER EQUIPMENT, SOFTWARE, FAILURE OF EMAIL OR PLAYERS ON ACCOUNT OF TECHNICAL PROBLEMS OR TRAFFIC CONGESTION ON THE INTERNET OR AT ANY WEBSITE OR COMBINATION THEREOF, INCLUDING INJURY OR DAMAGE TO USERS AND/OR MEMBERS OR TO ANY OTHER PERSON'S COMPUTER RELATED TO OR RESULTING FROM PARTICIPATING OR DOWNLOADING MATERIALS IN CONNECTION WITH THE WEB AND/OR IN CONNECTION WITH THE SERVICE.
- B. NEITHER SAVVYINSIDER, NOR ITS AFFILIATED COMPANIES, THEIR RESPECTIVE LICENSORS OR SUPPLIERS, MAKE ANY REPRESENTATION THAT THE INFORMATION CONTAINED ON THIS WEBSITE, YOUR RESULTS IN USING THIS WEBSITE OR THE SERVICE ITSELF WILL BE ACCURATE, VALID, RELIABLE OR AVAILABLE, OR THAT IT DOES NOT VIOLATE OR INFRINGE THE RIGHTS OF ANY THIRD PARTY. SAVVYINSIDER MAKES NO REPRESENTATION AND SPECIFICALLY DISCLAIMS ANY WARRANTY REGARDING ANY SITE LINKED TO THIS WEBSITE. THIS DISCLAIMER BY SAVVYINSIDER IN NO WAY AFFECTS THE TERMS OF ANY MANUFACTURER'S OR THIRD PARTY SELLER'S WARRANTY, IF ANY, RELATED TO THE GOODS PURCHASED VIA THIS WEBSITE.
- C. OPINIONS, ADVICE, STATEMENTS, OFFERS, OR OTHER INFORMATION OR CONTENT MADE AVAILABLE THROUGH THE SAVVYINSIDER.COM WEBSITE ARE THOSE OF THEIR RESPECTIVE AUTHORS, AND SHOULD NOT BE RELIED UPON OR BE CONSTRUED AS AN OPINION REGARDING THE SUITABILITY FOR YOU OR ANY OTHER PERSON. SUCH AUTHORS ARE SOLELY RESPONSIBLE FOR THEIR CONTENT. SAVVYINSIDER NEITHER ENDORSES NOR IS RESPONSIBLE FOR THE ACCURACY, USEFULNESS OR RELIABILITY OF ANY INFORMATION, OPINION, ADVICE OR STATEMENT MADE BY THIRD PARTIES. YOU ACKNOWLEDGE THAT NEITHER SAVVYINSIDER, NOR ANY OF THE INFORMATION PROVIDED ON THE SERVICE, CONSTITUTES, OR IS INTENDED TO CONSTITUTE, TAX, ACCOUNTING, LEGAL, MEDICAL, OR ANY OTHER PERSONAL ADVICE. UNDER NO CIRCUMSTANCES WILL SAVVYINSIDER MEDIA GROUP, INC. BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON INFORMATION OBTAINED THROUGH EITHER THE CONTENT ON THE SAVVYINSIDER WEBSITE AND/OR ANY POSTINGS ON THE COMMUNITY AREAS. YOU AGREE TO MAKE YOUR OWN INDEPENDENT EVALUATION OF THE INFORMATION AS APPLIED TO YOU.
- D. THIRD PARTY CONTENT: THE SAVVYINSIDER NETWORK MAY OFFER ACCESS TO THIRD PARTY WEB PAGES AND CONTENT AVAILABLE OVER THE INTERNET. SAVVYINSIDER HAS NO CONTROL WHATSOEVER OVER THE CONTENT OF SUCH SITES. SAVVYINSIDER IS NOT RESPONSIBLE FOR THE AVAILABILITY OF THESE EXTERNAL SITES NOR DOES IT ENDORSE OR IS IT RESPONSIBLE FOR THE CONTENTS, ADVERTISING, PRODUCTS, SERVICES, OR OTHER MATERIALS MADE AVAILABLE ON OR THROUGH SUCH EXTERNAL SITES. UNDER NO CIRCUMSTANCES SHALL SAVVYINSIDER MEDIA GROUP, INC. BE HELD RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY ERRORS IN CONTENT OR FOR ANY ACTIONS TAKEN IN RELIANCE THEREON, OR FOR ANY LOSS OR DAMAGE CAUSED OR ALLEGED TO HAVE BEEN CAUSED TO A USER IN CONNECTION WITH THE USE OF OR RELIANCE ON ANY CONTENT, GOODS OR SERVICES AVAILABLE ON SUCH EXTERNAL SITES. SAVVYINSIDER WILL NOT BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION BETWEEN USERS AND THIRD PARTY PROVIDERS OF PRODUCTS OR SERVICES. AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.
Limitation Of Liability
UNDER NO CIRCUMSTANCES SHALL THE COMPANY OR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DISTRIBUTING SAVVYINSIDER.COM BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES, (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF DATA, LOSS OF PROGRAMS, COST OF PROCUREMENT OF SUBSTITUTE SERVICES OR SERVICE INTERRUPTIONS, LOST PROFITS THAT RESULT FROM THE USE OF OR INABILITY TO USE SAVVYINSIDER.COM, RELIANCE BY YOU ON ANY INFORMATION OBTAINED FROM SAVVYINSIDER.COM OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAIL, ERRORS, DEFECTS, VIRUSES, DELAYS IN OPERATION OR TRANSMISSION, OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION, OR UNAUTHORIZED ACCESS TO THE COMPANY'S RECORDS, PROGRAMS, OR SERVICES. YOU HEREBY ACKNOWLEDGE THAT THIS PARAGRAPH SHALL APPLY TO ALL CONTENT, MERCHANDISE, AND SERVICES AVAILABLE THROUGH SAVVYINSIDER.COM. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.
SAVVYINSIDER SHALL NOT BE LIABLE FOR ANY DAMAGES, DIRECT, INDIRECT, INCIDENTAL AND/OR CONSEQUENTIAL, ARISING OUT OF THE USE OF THIS SERVICE, INCLUDING, WITHOUT LIMITATION, TO DAMAGES ARISING OUT OF COMMUNICATING AND/OR MEETING WITH OTHER MEMBERS OF THIS SERVICE, OR INTRODUCED TO YOU VIA THIS SERVICE. SUCH DAMAGES INCLUDE, WITHOUT LIMITATION, PHYSICAL DAMAGES, BODILY INJURY AND OR EMOTIONAL DISTRESS AND DISCOMFORT.
Entire Agreement
This Agreement and any operating rules for the SavvyInsider Network constitutes the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. This Agreement shall be construed in accordance with the laws of the State of New Jersey, without regard to its conflict of laws rules. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. The section headings used herein are for convenience only and shall not be given any legal import.
Limitation Of Actions
You acknowledge and agree that, regardless of any statute or law to the contrary, any claim or cause of action you may have arising out of, or relating to, your use of the SavvyInsider Website must be filed within one (1) year after such claim or cause of action arises.
Jurisdiction
If there is any dispute arising from the terms of this Agreement, breach of this Agreement, or involving the Website, you agree, by using the Website, that the dispute will be governed by the laws of the State of New Jersey without regard to its conflict of law provisions. You agree to personal jurisdiction by and venue in the state and federal courts of the State of New Jersey, City of Newark.
Consent
I HAVE READ AND UNDERSTAND THIS SUBSCRIBER AGREEMENT AND AGREE TO BE BOUND BY ALL OF ITS TERMS.
(c) Copyright 2004 SavvyInsider Media Group, LLC. All rights reserved. SavvyInsider and SavvyInsider.com are trademarks of SavvyInsider Media Group, LLC.
Last updated May 17, 2005
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