Privacy Policy

Last revised: May 1, 2010

StockHomework101.com, Inc. shares your concern about the protection of your personal information online. This is our policy regarding the privacy of information we collect on our websites. We have recently revised our policy. Please take some time to review the new version below.

This Privacy Policy includes examples of the types of personal information we collect and the kinds of companies with whom we share such information. These examples are illustrative and should not be considered a complete inventory of our information collection, use and sharing practices. We will comply with applicable state laws that may restrict the types of information we may disclose about you or require us to provide you with additional notices.

How we collect information about you
When you visit the StockHomework101.com website, we collect your IP address and standard web log information, such as your browser type and the pages you accessed on our website.

If you open an account, we collect the following types of information from you:

Contact information - your name, address, phone, email, Skype ID and other similar information.
Financial information - the full bank account numbers and credit card numbers that you may link to your StockHomework101.com account.
Before permitting you to use our Service, we may require you to provide additional information we can use to verify your identity or address or manage risk, such as your date of birth, social security number or other information. We may also obtain information about you from third parties such as credit bureaus and identity verification services.

When you are using our Service, we collect information about your account transactions and we may collect information about your computer or other access device for fraud prevention purposes.

Finally, we may collect additional information from or about you in other ways not specifically described here. For example, we may collect information related to your contact with our customer support team or store results when you respond to a survey.

How we use cookies
When you access our website, we, or companies we hire to track how our website is used, may place small data files called "cookies" on your computer.

We send a "session cookie" to your computer when you log in to your account. This type of cookie helps us to recognize you if you visit multiple pages on our site during the same session, so that we don’t need to ask you for your password on each page. Once you log out or close your browser, this cookie expires and no longer has any effect.

We also use longer-lasting cookies for other purposes such as to display your e-mail address on our sign-in form, so that you don't need to retype the e-mail address each time you log in to your account.

We encode our cookies so that only we can interpret the information stored in them. You are free to decline our cookies if your browser permits, but doing so may interfere with your use of our website.  We may also collect information about your computer or other access device to mitigate risk and for fraud prevention purposes.

How we protect and store personal information
Throughout this policy, we use the term "personal information" to describe information that can be associated with a specific person and can be used to identify that person. We do not consider personal information to include information that has been anonymized so that it does not identify a specific user.

We store and process your personal information on our computers in the US, and we protect it by maintaining physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our buildings and files, and we authorize access to personal information only for those employees who require it to fulfill their job responsibilities.

How we use the personal information we collect
Our primary purpose in collecting personal information is to provide you with a secure, smooth, efficient, and customized experience. We may use your personal information to:

provide the services and customer support you request;
process transactions and send notices about your transactions
resolve disputes, collect fees, and troubleshoot problems;
prevent potentially prohibited or illegal activities, and enforce our User Agreement;
customize, measure, and improve our services and the content and layout of our website;
send you targeted marketing, service update notices, and promotional offers based on your communication preferences;
compare information for accuracy and verify it with third parties.

How we share personal information with other StockHomework101.com users
To process your payments, we need to share some of your personal information with the person or company that you are paying. Your contact information, date of sign-up, the number of payments you have received from verified StockHomework101.com users, and whether you have verified control of a bank account are provided to other StockHomework101.com users who you transact with through StockHomework101.com.

If you are buying goods or services and pay through StockHomework101.com, we may also provide the seller with your confirmed credit card billing address to help complete your transaction with the seller. The seller is not allowed to use this information to market their services to you unless you have agreed to it. If an attempt to pay your seller fails, or is later invalidated, we may also provide your seller with details of the unsuccessful payment. To facilitate dispute resolutions, we may provide a buyer with the seller’s address so that goods can be returned to the seller.

We work with merchants to enable them to accept payments from you using StockHomework101.com. In doing so, a merchant may share information about you with us, such as your email address, when you attempt to pay that merchant. We use this information to confirm to that merchant that you are a StockHomework101.com customer and that the merchant should enable StockHomework101.com as a form of payment for your purchase. Also, if you request that we validate your status as a StockHomework101.com customer with a third party, we will do so. Please note that merchants you buy from and contract with have their own privacy policies, and StockHomework101.com may not be held responsible for their operations, including, but not limited to, their information practices.

Regardless, we will not disclose your credit card number or bank account number to anyone you have paid or who has paid you through StockHomework101.com, except with your express permission or if we are required to do so to comply with a subpoena or other legal process.

How we share personal information with other parties

We may share your personal information with:

• Members of the StockHomework101.com family: Other related websites -- to provide joint content and services (like registration, transactions and customer support), to help detect and prevent potentially illegal acts and violations of our policies, and to guide decisions about their products, services and communications. Members of our corporate family will use this information to send you marketing communications only if you have requested their services.

• Service providers under contract who help with parts of our business operations; (fraud prevention, bill collection, marketing, technology services). Our contracts dictate that these service providers only use your information in connection with the services they perform for us and not for their own benefit.

• Financial institutions that we partner with to jointly create and offer a product or service.  These financial institutions may only use this information to market StockHomework101.com-related products, unless you have given consent for other uses.

• Credit bureaus to report account information, as permitted by law.

• Banking partners as required by credit card association rules for inclusion on their list of terminated merchants (in the event that you meet their criteria which includes having StockHomework101.com close your StockHomework101.com Account due to your breach of the StockHomework101.com User Agreement).

• Companies that we plan to merge with or be acquired by. (Should such a combination occur, we will require that the new combined entity follow this privacy policy with respect to your personal information. If your personal information could be used contrary to this policy, you will receive prior notice.)

• Law enforcement, government officials, or other third parties when we are compelled to do so by a subpoena, court order or similar legal procedure we need to do so to comply with law

• When we believe in good faith that the disclosure of personal information is necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of our User Agreement.

• Other third parties with your consent or direction to do so.

StockHomework101.com will not sell or rent any of your personal information to third parties for their marketing purposes and only shares your personal information with third parties as described in this policy.

If you open a StockHomework101.com account directly on a third party website or application, any information that you enter on that website or application (and not directly on a StockHomework101.com website) will be shared with the owner of the third party website or application.

How you can restrict StockHomework101.com from sharing your personal information:
Federal and state laws allow you to restrict the sharing of your personal information in certain instances. However, these laws also state that you cannot restrict other types of sharing. Because we have chosen to refrain from certain types of data sharing, the only type of sharing of your personal information that you may restrict is as follows:

If you do not want StockHomework101.com to share your personal information with other financial institutions for the purpose of marketing our jointly offered products to you, please contact us by mail, below.

How you can contact us about privacy questions:
If you have questions or concerns regarding this policy, you should contact us by using this form or writing to us at StockHomework101.com, Attn: Privacy Department, B. Miller, 857 Post Road, #200, Fairfield, CT 06824

Terms of Use (TOU) / Site User Agreement

Last revised: May 1, 2010

Introduction
By using this site, you agree that StockHomework101.com and this workbook are not providing investment advice. You further agree to indemnify and hold harmless StockHomework101.com and its creators from any claims, actions and judgments, including all costs of defense and attorneys' fees incurred in defending same, arising from any losses or damages that you may incur as a result of trading and investing stocks or any other securities

1. Acceptance of Terms
These Terms of Use (the "TOU") govern Your use of the Services (as defined below) we provide to you (referred to herein as "You" or "Your") through http://StockHomework101.com.com, http://m.StockHomework101.com.com for mobile devices, and other websites that we refer you to (including any related sub-domains) and third-party content delivery methods such as through StockHomework101.com.com-approved mobile applications (collectively, "StockHomework101.com.com Network of Sites"). Please read these TOU carefully. By using any of our Services, You agree to comply with these TOU. If You do not agree to the terms and conditions contained in the TOU, You agree not to use the Service, and we do not consent to provide You with access to the Service. In addition, when using a particular Service, You and StockHomework101.com.com, its business units, subsidiaries and affiliates ("StockHomework101.com.com," "we," "our," or "us") shall be subject to any posted guidelines or rules applicable to such Services, which may be posted and modified from time to time. All such guidelines or rules are hereby incorporated by reference into the TOU.

StockHomework101.com.com provides its users with access via StockHomework101.com.com Network of Sites to:

Free content including blogs written by our employees and/or independent contractors (the "Free Service") and content created by our users ("User-Generated Content"); and
Premium content written by our employees and/or independent contractors paid for by You through subscription (the "Premium Service").
The Premium Service and the Free Service are collectively referred to herein as a "Service" or the "Services" subject to and in compliance with the terms and conditions set forth herein.

An independent contractor who writes for StockHomework101.com.com Network of Sites is referred to herein as an "Outside Contributor".

2. Changes to the TOU and Our Services

We reserve the right at any time to:

Change the terms and conditions of the TOU;
Change all or any portion of the Service, eliminating or discontinuing any content or feature of the Services (including but not limited to adding or removing particular Outside Contributors or our employees who create our Premium Services, ceasing to provide access to a Premium Service, and/or providing an alternative Premium Service to You as a replacement); or
Change the fees, charges or other conditions for use of the Services (with reasonable notice, in our sole discretion).
Any changes we make to the TOU will be effective immediately after we post the modified TOU on StockHomework101.com.com. In the event that You have the TOU cached on your browser, the TOU that applies to You is the most recent version of the TOU that appears on a non-cached browser. In addition, if a Premium Service is added or removed, or the terms of their engagement has changed, the TOU may be modified with respect to such Premium Service. You should check our TOU frequently.

3. Important Disclaimer Regarding the Information We Provide
StockHomework101.com.com is a publisher. You understand that no content published as part of the Services constitutes a recommendation that any particular investment, security, portfolio of securities, transaction or investment strategy is suitable for any specific person. You further understand that none of the creators of our Services or their affiliates will advise You personally concerning the nature, potential, value or suitability of any particular investment, security, portfolio of securities, transaction, investment strategy or other matter. To the extent any of the content published as part of the Services may be deemed to be investment advice, such information is impersonal and not tailored to the investment needs of any specific person.

You understand that StockHomework101.com may contain opinions from time to time with regard to securities mentioned in other Services, and that those opinions may be different from those obtained by using another portion of the Service. In addition, certain of StockHomework101.com.com affiliates and employees may, from time to time, have long and short positions in, or buy or sell the investments, securities, or derivatives thereof, of companies mentioned in the Services and may take positions inconsistent with the views expressed.

You further understand that StockHomework101.com.com and its employees, independent contractors, affiliates, Outside Contributors and creators of the Services may not and will not advise You personally concerning the nature, potential, value or suitability of any particular security, portfolio of investments, securities, transaction, investment strategy or other matter. Accordingly, do not attempt to contact them seeking personalized investment advice, which they cannot provide. Past results are not necessarily indicative of future performance.

You understand and agree that we do permit our editorial staff to hold positions in individual securities other than securities of StockHomework101.com, and from time to time, Outside Contributors or their affiliates may write about investments or securities in which they or their firms have a position, and that they may trade for their own account. In cases where the position is held at the time of publication, appropriate disclosure is made. In addition, Outside Contributors may be subject to certain restrictions on trading for their own account. However, You understand and agree that at the time of any transaction that You make, one or more Outside Contributors or their affiliates may have a position in the investment or securities written about. In addition, certain of StockHomework101.com.com's affiliates and employees may, from time to time, have long and short positions in, or buy or sell the securities, or derivatives thereof, of companies mentioned in respective Service and may take positions inconsistent with the views expressed.

You understand that performance data is supplied by sources believed to be reliable, that the calculations therein are made using such data, and that such calculations are not guaranteed by these sources, the information providers, or any other person or entity, and may not be complete.

From time to time, reference may be made in our marketing materials to prior articles and opinions we have published. These references may be selective, may reference only a portion of an article or recommendation, and may not to be current. As markets change continuously, previously published information and data may not be current and should not be relied upon.

When U.S. exchanges are open, any quotes (other than those obtained through the real-time quote services available to users of certain Services) are at least 15-25 minutes delayed. When U.S. exchanges are not open, quotes are only current as of the close of the last day of trading, but can be 15-25 minutes delayed if closer to the end of day trading period. Before selling or buying any investment , You should consult with a qualified broker or other financial professional to verify pricing information.

To the extent any of our Services involves a model portfolio or an actual portfolio of investments, as described below, such portfolio of investments is chosen by the author in accordance with their stated investment strategy. Your actual results may differ from results reported for the portfolio for many reasons, including, without limitation:

performance results for the portfolio do not reflect actual trading commissions that You may incur;
performance results for the portfolio do not account for the impact, if any, of certain market factors, such as lack of liquidity, that may affect Your results;
the investments chosen for the portfolio may be volatile, and although the "purchase" or "sale" of an investment in a portfolio will not be effected in the portfolio until 15 minutes after an email alert has been issued from StockHomework101.com.com server, delivery delays and other factors may cause the price You obtain to differ substantially from the price at the time the alert was sent; and
the prices of investments in the portfolio at the point in time You begin subscribing to the Premium Service may be higher than such prices at the time such investments were chosen for inclusion in the portfolio.

4. Registration and Privacy
In order to gain access to portions of the Service, including use of the provided StockHomework101.com Workbook, You must register with a current and valid email address, and supply us with true, accurate, current and complete information about yourself, as required on the workbook registration page. We may refuse to grant You registration if you comment or make any contributions to the website (or affiliated social media sites, such as Twitter or Facebook) that is threatening, abusive, offensive, harassing, derisive, defamatory, vulgar, obscene, libelous, invasive of another's privacy, impersonates someone else, is or may be protected by trademark or proprietary rights law, or is hatefully, racially, ethnically or otherwise objectionable, or inappropriate, as determined by us in our sole discretion.

In consideration of Your use of the Services, You represent that You are of legal age to form a binding contract and are not a person barred from receiving the Services under the laws of the United States or other applicable jurisdiction. You also agree to: (a) provide true, accurate, current and complete information about yourself as prompted by the Service's registration form and (b) maintain and promptly update Your registration data to keep it true, accurate, current and complete.

Our policy with respect to the collection and use of Your personal information is set forth in our Privacy Policy.

As a member, You also have certain other obligations relating to Your account:

You may not transfer to or resell Your use of or access to the Services to any third party;
You are responsible for all activities that occur under Your account;
You are responsible for maintaining the confidentiality of Your user name, member name and password; and
You agree to notify us at notices@StockHomework101.com.com if You become aware of any possible unauthorized use(s) of Your account or any possible breach of security, including loss, theft, or unauthorized disclosure of Your user name, member name or password.

5. Registration Cancellation for Premium or other Service
YOU SHOULD READ THESE TERMS CLOSELY BEFORE YOU SUBSCRIBE FOR A PREMIUM SERVICE.
At any time, you can submit in writing your request to our physical address provided in the Privacy Policy.

6. StockHomework101.com's Proprietary Rights
The Services and the content distributed through the Service, with the exception of any User-Generated Content (as defined below), is the property of StockHomework101.com.com and/or its licensors. You may access and use the content, and download and/or print out one copy of any content from the Service, solely for Your personal, noncommercial use. You acknowledge that You do not acquire any ownership rights by using the Service. If You are interested in reprinting, republishing or distributing content from StockHomework101.com.com, you must obtain permission in writing, by contacting our physical address provided in the Privacy Policy. If you choose to submit content for publication through the Service, such as guest commentary or guest opinions, such content shall be exclusive to StockHomework101.com.com, deemed to be property of StockHomework101.com.com, and by submitting such content you irrevocably assign any and all rights to such content to StockHomework101.com.com.

Because we host User-Generated Content as a part of portions of the Services and therefore redistribute User-Generated Content You give us, we need to obtain certain rights in those materials. By posting, sending or transmitting to us User-Generated Content, You grant us and our designees a worldwide, non-exclusive, sub-licensable (through multiple tiers), assignable, royalty-free, perpetual, irrevocable right to use, reproduce, distribute (through multiple tiers), create derivative works of, publicly perform, publicly display, digitally perform, make, have made, sell, offer for sale and import such User-Generated Content in any media now known or hereafter developed, for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the User-Generated Content. None of the User-Generated Content disclosed in any part of the Services shall be subject to any obligation, whether of confidentiality, attribution, or otherwise, on our part and we shall not be liable for any use or disclosure of any User-Generated Content.

"StockHomework101.com", the "StockHomework101.com Logo", and affiliate sites' other marks are trademarks and/or service marks of StockHomework101.com.com, Inc. All other trademarks, service marks, and logos used on our websites are the trademarks, service marks, or logos of their respective owners.

7. User Conduct
You may not republish, upload, post, transmit or distribute content available through the Services to online bulletin boards, message boards, newsgroups, chat rooms, or in other any manner, without our prior written permission. Modification of the content or use of the content for any purpose other than Your own personal, noncommercial use is a violation of our copyright and other proprietary rights, and can subject You to legal liability.

In addition, in connection with Your use of the Service, You agree not to:

Restrict or inhibit any other visitor from using the Service, including, without limitation, by means of "hacking" or defacing any portion of any of our websites;
Use the Services for any unlawful purpose;
Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the Services or any of our websites;
"Frame" or "mirror" any content available through the Services or any of our websites without our prior written authorization;
Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to download, retrieve, index, "data mine", or in any way reproduce or circumvent the navigational structure or presentation of the content available through the Services or any of our websites; or
Harvest or collect information about users of the Services without their express consent.
You also agree that at all times You will:

Comply with all applicable laws, rules and regulations in connection with Your use of the Services and the content made available therein;
Be responsible for all statements made and acts or omissions that occur on Your user account while Your password is being used;
Waive any and all rights against StockHomework101.com.com and hold StockHomework101.com.com harmless in connection with any claims relating to any action taken by StockHomework101.com.com as part of its investigation of a suspected violation or result of its conclusion that a violation of the TOU has occurred, including but not limited to the removal of posts or a suspension or termination of Your membership account; or
Maintain and promptly update Your registration data to keep it true, accurate, current and complete.

8. User-Generated Content
Certain areas of StockHomework101.com.com Network of Sites may allow You to post content that can be accessed and viewed by the public in general. You understand that all information, data, text, images, avatars, hyperlinks, messages, tags, or other materials, each a form of User-Generated Content posted on the public areas of StockHomework101.com.com Network of Sites are the sole responsibility of the person from whom such content originated. You acknowledge that You, and not StockHomework101.com.com, are entirely responsible for all content that You upload, post, email, transmit or otherwise make available via Services thereof. StockHomework101.com.com does not control the User-Generated Content and as such, does not guarantee the accuracy, integrity or quality of such content. You agree to not post any content that violates the TOU and to post comments in both tone and content that contribute in a positive and high quality manner to the substantive exchange of information and the subject matter of the content.

In order to comment, users must register with a valid email address and select a user name, member name and password. Please see "Registration and Privacy" above for our TOU regarding registering.

The following is an incomplete list of illegal and prohibited uses of Services. StockHomework101.com.com may investigate any illegal and/or unauthorized use of the Services and appropriate legal action may be taken, including without limitation, civil, criminal and injunctive redress.

You agree not to use StockHomework101.com.com services to:
Post any content that You either know or should know is false, deceptive or misleading, or misrepresent or deceive others as to the source, accuracy, integrity or completeness of any comment You post.
Express or imply that any statements You make are endorsed by us, without our prior written consent;
Post any content that is unlawful, harmful or injurious to others, threatening, abusive, offensive, harassing, derisive, defamatory, vulgar, obscene, libelous, hatefully, racially, ethnically or otherwise tortious or objectionable.
Post any content that does or may invade the privacy or violate or infringe on any rights of others, including, without limitation, copyrights and other intellectual property rights.
Impersonate any person, firm or entity, falsely or deceptively state, infer or otherwise misrepresent Your affiliation with or connection to any person, firm or entity.
Post any content which, either the act of posting or the comment itself, You do not have a right to do under any law, regulation or order of any court, or as a result of an employment, contractual, fiduciary or other legal obligation or relationship, or any non-public or otherwise restricted, confidential, sensitive or proprietary information without authorization
Post any advertising, promotional materials, so called "chain letters", "pyramid" or other schemes or invitations to participate in these or any other form of solicitation or promotion.
Offer to sell or buy any product or service or use the services for any commercial purpose, to distribute any advertising or solicitation of funds or goods and services, or to solicit users to join competitive online services.
Post any links to any external Internet sites that are obscene or pornographic, or display pornographic or sexually explicit material of any kind.
Post any false or misleading information, material non-public information, insider information or information intended to increase or decrease the price of any particular publicly-traded security. Violate any local, state, national or international law, regulation or order of any court, including but not limited to regulations of the U.S. Securities and Exchange Commission, any rules of any securities exchange, including without limitation, the New York Stock Exchange, the American Stock Exchange or The Nasdaq Stock Market and/or
Provide material support or resources (or to conceal or disguise the nature, location, source, or ownership of material or resources) to any organization(s) designated by the United States government as a foreign terrorist organization pursuant to section 219 of the Immigration and Nationality Act.
You may post only content owned by You, content for which You have received express permission from the owner and content in the public domain. You assume all risk and responsibility for determining whether any User-Generated Content is in the public domain.

StockHomework101.com.com expressly disclaims ownership of any User-Generated Content. However, by submitting User-Generated Content to the public areas of the StockHomework101.com.com Network of Sites, You hereby grant, transfer and assign StockHomework101.com.com, our affiliates and distributors, successors, assigns and licensees a fully-paid, royalty-free, irrevocable, perpertual, worldwide right and license to publish, distribute, reproduce, transmit, use, translate, display, copy, display, perform, modify, revise, create derivative works of, archive and adapt this content in any form or media now known or hereafter developed (including without limitation in print, magnetic or electronic form), on any number of occasions in any form, and to sublicense third parties (including other users of the services) to do any of the foregoing with further right of sublicense, without compensation to You. You represent and warrant that You are authorized to grant all rights set forth in the preceding sentence and that the exercise by You of Your rights under this License does not violate any laws, defame or libel any person, invade any person's right of privacy or publicity or otherwise violate, misappropriate or infringe the rights of any person (including without limit any copyright or moral right). None of the User-Generated Content disclosed in any part of the Services shall be subject to any obligation, whether of confidentiality, attribution, or otherwise, on our part and we shall not be liable for any use or disclosure of any User-Generated Content. StockHomework101.com.com does not and cannot review all of the User-Generated Content posted by users on the services and is not responsible for such content. You shall remain solely responsible for all material. Although StockHomework101.com.com reserves the right to remove any offending User-Generated Content, You understand and agree that You nonetheless may be exposed to such material and that You further waive Your right to any damages (from any party) related to such exposure.

StockHomework101.com.com retains the right in its sole discretion, arbitrarily and/or for any reason and without any notice whatsoever, to edit, move, delete, and/or remove any User-Generated Content posted on any of its websites at any time. Without limiting the foregoing, StockHomework101.com.com has the right to delete any User-Generated Content that StockHomework101.com.com believes, in its sole discretion, does or may violate the TOU.

You expressly agree that under no circumstances is StockHomework101.com.com responsible, nor will StockHomework101.com.com be liable for, any User-Generated Content or for any loss or damage of any kind, that arises or results from such User-Generated Content posted on any of its websites, or any comment deleted by StockHomework101.com.com or its agents from any of its websites. This includes not only the comments posted, but also any external websites or resources, content, advertising, products, services or any other materials or information on or available from any person, firm or entity other than StockHomework101.com.com, posted on any of its websites.

9. Links to Other Websites and Viral Links
Your use of certain services made available to You by StockHomework101.com.com may be governed by additional rules, which are available on our websites or by hyperlink from other websites, in connection with the Services. By using any service You are acknowledging that You have reviewed all corresponding rules and agree to be bound by them. Some of the services may have been provided by third parties for Your use. In the event that any service or tool is provided by a third party, such service or tool may become unavailable in the event that the agreement between us and the third party is terminated. You expressly acknowledge and agree that Your use of all services and tools is solely at Your own risk.

Any sweepstakes, contests, and games that are accessible through our websites are governed by specific rules. By entering such sweepstakes or contests or participating in such games, You will become subject to those rules.

Content available through the Services may contain links to other Internet websites or resources. We neither control nor endorse such other websites, nor have we reviewed or approved any content that appears on such other websites. You acknowledge and agree that we shall not be held responsible for the legality, accuracy, or inappropriate nature of any content, advertising, products, services, or information located on or through any other websites, nor for any loss or damages caused or alleged to have been caused by the use of or reliance on any such content.

Viral Links
You are encouraged to link to the Services on any online bulletin board, message board, newsgroup, website or chat room ("Third-Party Site"). If You elect to display links from our websites on a Third-Party Site, You agree that You will comply with StockHomework101.com.com's viral linking requirement as set forth herein. Notwithstanding anything contained herein, we reserve the right to deny permission to You to link to the website for any reason in our sole and absolute discretion.

StockHomework101.com.com hereby grants You the permission to post such links on a Third-Party Site, provided, however, that You comply with the following guidelines:

You may display only an excerpt of the content not to exceed 75 words that must be followed by a link to the full content of the Service. You are not permitted to reproduce the entire text of content as it appears on the website. You are prohibited from displaying excerpts from the Premium Service.
The byline must consist of the name or title of the content and the name of the website. (e.g. "as appearing on StockHomework101.com.com")
Any website that links to StockHomework101.com.com (a) must not suggest or imply that we are sponsoring or endorsing such website(s)'s product, unless StockHomework101.com.com has given its prior written consent; (b) must not use any of our trademarks on such Third-Party Site without prior written consent of StockHomework101.com.com; and (c) must not display any excerpt of StockHomework101.com.com content and link together with content on such Third-Party Site that may be construed as distasteful, offensive or controversial.

10. Disclaimer of Warranties
The Service, and any content obtained or accessed through the Service, is provided "as is" without representations or warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, StockHomework101.com.com, its officers, directors, employees, subsidiaries, affiliates, suppliers, advertisers, and agents disclaim all warranties, express, implied or statutory, including, but not limited to, implied warranties of title, non-infringement, merchantability, and fitness for a particular purpose or use, and all warranties relating to the adequacy, accuracy or completeness of any information available through the Service.

StockHomework101.com.com and its affiliates, suppliers, agents and sponsors do not warrant that Your use of the Services will be uninterrupted, error-free, or secure, that defects will be corrected, or that the Services or the server(s) on which the Services are hosted are free of viruses or other harmful components. You acknowledge that You are responsible for obtaining and maintaining all telephone, computer hardware and other equipment needed to access and use the Service, and all charges related thereto. You assume total responsibility and risk for Your use of the Services and Your reliance thereon. No opinion, advice, or statement of StockHomework101.com.com or its affiliates, suppliers, agents, members, or visitors, whether made on the site or otherwise, shall create any warranty. You use of the site, the content contained therein, and materials provided through the site, are entirely at Your own risk.

Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through the Services, 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 advertiser. You agree that StockHomework101.com.com 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 advertisers on the Services.

A possibility exists that content available through the Services could include inaccuracies or errors, or materials that violate the TOU. Additionally, a possibility exists that unauthorized alterations could be made to the content available through the Services by third parties. Although we attempt to ensure the integrity of our websites and Services, we make no guarantees as to the completeness or correctness of any content available through the Service. In the event that such a situation arises, please contact us at notices@StockHomework101.com.com with, if possible, a description of the material to be checked and the location (URL) where such material can be found on our websites, if applicable, as well as information sufficient to enable us to contact You. We will try to address Your concerns as soon as reasonably practicable. For copyright infringement claims, see the section on "Copyright Infringement" below.

Under no circumstances shall StockHomework101.com.com be held liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond its reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, floods, storms, explosions, acts of God, war, governmental actions, orders of domestic or foreign courts or tribunals, or non-performance of third parties.

11. Limitation of Liability
NEITHER StockHomework101.com.COM NOR ITS AFFILIATES, SUPPLIERS, SUBSIDIARIES, ADVERTISERS, AGENTS OR SPONSORS ARE RESPONSIBLE OR LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE, RELIANCE OR OTHER DAMAGES UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER LEGAL THEORY ARISING OUT OF OR RELATING IN ANY WAY TO THE SERVICES AND/OR ANY CONTENT CONTAINED THEREIN, OR ANY SERVICE USED OR PURCHASED THROUGH StockHomework101.com.COM, WHETHER SUCH DAMAGE IS FORESEEABLE OR NOT AND WHETHER OR NOT YOU HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE AND NOTWITHSTANDING THE FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY. FOR AVOIDANCE OF DOUBT, DAMAGES ARISING UNDER THE SECTION ENTITLED "INDEMNIFICATION" (INCLUDING WITHOUT LIMITATION DAMAGES TO WHICH A PARTY IS ENTITLED TO INDEMNIFICATION UNDER SUCH SECTION THAT SUCH PARTY SUFFERS IN CONNECTION WITH THIRD PARTY CLAIMS FOR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES) ARE DEEMED TO BE DIRECT DAMAGES OF THE INDEMNIFIED PARTY. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SERVICES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SERVICE IS TO STOP USING IT. THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY TO COMPANY FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION — WHETHER IN CONTRACT, TORT (INCLUDING, WITHOUT LIMITATION, NEGLIGENCE), OR OTHERWISE — SHALL BE THE TOTAL AMOUNT PAID TO US BY YOU, IF ANY, FOR ACCESS TO THE SERVICES IN THE CURRENT CALENDAR YEAR OF YOUR SUBSCRIPTION.

12. Indemnification
You agree to indemnify, defend and hold harmless StockHomework101.com.com our current and former affiliates, our current and former officers, directors, employees, agents and representatives and their successors and assignees from and against any and all liabilities, claims, damages, losses, costs (including reasonable attorneys' fees), or other expenses associated with or incurred as a result of or from (a) Your violation of the TOU; (b) Your use of the Services; (c) Your violation of the rights of any third party; (d) the actual or alleged infringement of any third party proprietary or intellectual property right arising out of the duplication, sale, distribution, or use of the Services, or (e) any liability arising from Your use of the Services including any User-Generated Content You create.

13. Termination
The Street.com reserves the right to restrict, suspend or terminate Your use of and registration on any of its websites at any time for any reason in its sole discretion, with or without cause, without prior notice to You and without liability or further obligation of any kind whatsoever to You or any other party. StockHomework101.com.com reserves the right to terminate Your access to any portion of the Services and, in some cases in the sole discretion of StockHomework101.com.com, Your membership in the Premium Services, in the event You violate the TOU. In such case, You will not be entitled to receive a refund of any portion of the subscription fee paid by You.

You may terminate Your user account, user name, member name any associated email address and access to the Services by submitting such termination request to us.

14. Copyright Infringement
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. The procedure under the DMCA for takedown notice is given below. See http://loc.gov/copyright/ for the most current statutory requirements.

If You believe in good faith that materials displayed on StockHomework101.com.com Network of Sites infringe Your copyright, You (or Your agent) may contact: Copyright Agent, Legal Department, StockHomework101.com, Attn: B. Miller, 857 Post Road, Fairfield, CT 06824; email: notices@StockHomework101.com.com, with the following information: (a) an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or trademark interest; (b) a description of the copyrighted work(s) or trademark(s) that You claim has been infringed; (c) a description of where the material that You claim is infringing is located on the website; (d) Your address, telephone number, and email address; (e) a written statement by You that You have a good faith belief that the disputed use is not authorized by the copyright or trademark owner, its agent, or the law; and (f) a statement by You, made under penalty of perjury, that the above information in Your notice is accurate and that You are the copyright or trademark owner or authorized to act on the copyright or trademark owner's behalf. Please note that You will be liable for damages (including costs and attorneys' fees) if You materially misrepresent that any material on our sites is infringing Your copyrights.

15. Repeat Infringement
We have a policy of terminating the accounts of repeat infringers. Each user agrees that if his or her account is terminated under this policy, the user will not attempt to establish a new account under any name, real or assumed, and further agrees that if the user violates this restriction by opening a new account after being terminated pursuant to this policy, the user shall indemnify and hold us harmless for any and all liability that we may incur therefor.

16. Miscellaneous
The Services are directed solely to individuals residing in the United States. We make no representation that materials provided through the Services are appropriate or available for use in other locations. Those who choose to access the s from other locations do so on their own initiative and at their own risk, and are responsible for compliance with local laws, if and to the extent applicable. We reserve the right to limit the availability of the Services to any person, geographic area, or jurisdiction we so desire, at any time and in our sole discretion, and to limit the quantities of any such service that we provide.

The TOU, together with all StockHomework101.com.com policies referred to herein, constitutes the entire agreement between You and StockHomework101.com.com relating to Your use of the Services and supersedes and any all prior or contemporaneous written or oral agreements on that subject between us. The TOU and the relationship between You and StockHomework101.com.com are governed by and construed in accordance with the laws of the State of New York, excluding (a) the application of principles of conflict of laws that otherwise might call for the application of the substantive law of another jurisdiction and (b) the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transactions Act. You and StockHomework101.com.com agree to submit to the personal and exclusive jurisdiction of the federal and state courts located within New York County, New York, waive any jurisdictional venue, or inconvenient forum objections to such courts and such courts shall have the sole and exclusive jurisdiction over any action, suit or other proceeding arising out of or relating to these TOU... If any provision of the TOU is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from the TOU and shall not affect the validity and enforceability of any remaining provisions. 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. Any heading, caption or section title contained in the TOU is inserted only as a matter of convenience and in no way defines or explains any section or provision hereof. We reserve the right to require You to sign a non-electronic version of the TOU.

For all other notices, please contact us in writing: Legal Department, StockHomework101.com, Attn: B. Miller, 857 Post Road, Fairfield, CT 06824; email: notices@StockHomework101.com.com..