Personal Finance Company values its relationship with visitors and customers and uses commercially available technology to safeguard information collected through the Sites. However, the internet is an open medium and no data transmission through the internet is completely secure. Therefore, Personal Finance Company does not guaranty or warranty the security of general information you provide. For more information on how Personal Finance Company uses information you provide through the Sites, please review Personal Finance Company’s Privacy Statement and Privacy Notice.
3. USER CONDUCT; SOCIAL MEDIA CHANNELS/BLOGS/USER SUBMISSIONS
Any comments, blogs, discussions, data, images, sounds, text, product ideas, suggestions or enhancements, as well as anything embedded therein, material, information or other communication you transmit, upload or post to the Sites, generally and through Social Media Channels and other the public forums, or email to Personal Finance Company (collectively, “Communications”) are non-confidential, nonproprietary and become the property of Personal Finance Company. Personal Finance Company has no obligation to preserve the confidentiality of or refrain from disclosing any Communications. You recognize and acknowledge that your submission of any suggestions, ideas, images, sounds, enhancements, data or other material is done on a non-confidential, non-proprietary basis, without expectation of compensation or attribution of any sort. Personal Finance Company has no liability for and will be free to copy, disclose, distribute, incorporate and otherwise use all or any part of any Communications for any and all commercial or noncommercial purposes in any medium whatsoever without additional consent or approval from you. Please exercise caution and discretion in disclosing personal information through, including uploading photos to, any public forums.
You are solely responsible for your Communications and your activities on the Sites. Although Personal Finance Company will not, and has no obligation to, monitor your Communications, it has the right not to post or publish Licensed Content and/or your Communications and to delete, remove or edit any Licensed Content and or Communications at any time in its sole discretion without notice or liability of any notice or sort. Under no circumstances is or will Personal Finance Company or its affiliates be liable in any way for any Communications, your or another’s use of the Sites or any Licensed Content, including but not limited to any errors or omissions in any Licensed Content, or for loss or damage of any kind incurred as a result of the use of any Licensed Content via the Sites.
4. ACCESS BY CHILDREN
The Sites are intended for use by adults who are actual or potential purchasers of Personal Finance Company products and services. Sites are not directed at children. Personal Finance Company does not target or market to, and the Sites are not intended for use by, children under the age of 13. Personal Finance Company does not knowingly and will not intentionally contact or request personal information from children under the age of 13 for marketing purposes. However, the Sites do not filter ads or other material children may view through the Sites or linked sites, some of which may be inappropriate for children.
The Sites may contain links to other internet websites or resources. When you link to those sites, you leave the Sites. Personal Finance Company has no control over third-party sites, their content and resources or the business practices or policies of operators of such sites. Personal Finance Company’s privacy terms do not apply to the practices of any companies or individuals operating the linked sites. Please use caution and review the privacy policies of any sites that you visit to learn more about their information-gathering practices. Personal Finance Company cannot control, nor is it responsible, for any such third party collection or use of your personal information. Personal Finance Company expressly disclaims all responsibility or liability for the availability or accuracy of such external sites or resources or the content thereon, does not endorse and is not responsible or liable for any advertising, products or other materials on or available from such sites or resources. The inclusion of any link on the Sites does not imply that Personal Finance Company endorses the third-party site accessible through such link. Your use of any links is at your own risk. You further acknowledge and agree that Personal Finance Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any goods, services or materials available on or through any such link, site or resource.
9. PERSONAL FINANCE COMPANY’S PROPRIETARY RIGHTS
10. NOTICES AND PROCEDURES FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT
Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to Personal Finance Company.
Personal Finance Company respects the intellectual property of others, and asks its users and visitors to do the same. Personal Finance Company will investigate notices of alleged infringement and will take appropriate actions under the Digital Millennium Copyright Act (“DMCA”) and other applicable intellectual property laws. Upon receipt of notices complying with the DMCA, Personal Finance Company will act to remove or disable access to any material found to be infringing or found to be the subject of infringing activity and will act to remove or disable access to any reference or link to material or activity that is found to be infringing.
If you believe that your work has been copied in any way that constitutes copyright infringement, please provide all of the following information:
a physical or electronic signature of the person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; a description of the copyrighted work that you claim has been infringed; a description of the material that you claim is infringing or is the subject of infringing activity, that it is to be removed or access to it disabled and information reasonably sufficient to enable Personal Finance Company to locate the material on the Sites; your name, address, telephone number, email address and all other information reasonably sufficient to enable Personal Finance Company to contact you; a statement by you that you have a good faith belief that use of the material as described by you is not authorized by the copyright owner, its agent, or the law; a statement by you, made under penalty of perjury, that the information in your notification is accurate and that you are the copyright owner or authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. Notices of copyright infringement should be directed to:
Personal Finance Company, LLC
8211 Town Center Dr
Baltimore, MD 21236
Attn: Personal Finance Company Webmaster
By Email Marketing@PersonalFinanceCompany.com
(Please include “Notice of Infringement” in the subject line.)
IMPORTANT NOTE: THE PRECEDING INFORMATION IS PROVIDED EXCLUSIVELY FOR NOTIFYING PERSONAL FINANCE COMPANY THAT YOUR COPYRIGHTED MATERIAL MAY HAVE BEEN INFRINGED. ALL OTHER INQUIRIES, SUCH AS PRIVACY OR PRODUCT-RELATED QUESTIONS AND REQUESTS WILL NOT RECEIVE A RESPONSE THROUGH THIS PROCESS.
11. DISCLAIMERS AND LIMITATIONS OF LIABILITY
PERSONAL FINANCE COMPANY DISCLAIMS ALL REPRESENTATIONS OR WARRANTIES ABOUT THE ACCURACY OR COMPLETENESS OF THE SITES OR LICENSED CONTENT. YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
13. GENERAL INFORMATION
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Personal Finance Company, LLC, NMLS No. 123861 (www.nmlsconsumeraccess.com);
8211 Town Center Drive, Nottingham, MD 21236; Telephone Number 844-338-2080.