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Smart Cookies Money Mentoring Inc. | Terms
and Conditions of Use PLEASE READ THE FOLLOWING
TERMS AND CONDITIONS RELATING TO YOUR USE OF THIS SITE
CAREFULLY. By using this site, you are deemed to have agreed to
these terms and conditions of use. We reserve the right to
modify them at any time. You should check these terms and
conditions periodically for changes. By using this site after we
post any changes to these terms and conditions, you agree to
accept those changes, whether or not you have reviewed them. If
at any time you choose not to accept these terms and conditions
of use, please do not use this site. Scope of Terms and
Conditions
These terms and conditions apply to your use of
all the sites and services owned or operated by Smart Cookies
Money Mentoring Inc. and affiliated companies, including
www.smartcookies.com,
www.smartcookiesmoneyclub.com and
www.beasmartcookies.com, and any other sites that we have
owned or operated, do own and operate or may own or operate in
the future (collectively, the "Sites"). Unless we say otherwise,
all references to the Sites in these terms and conditions
include all such sites. These terms and conditions do not apply
to your use of unaffiliated sites to which any of the Sites only
links. Restrictions on Use of Materials
The contents
of our Sites are protected by copyright and trademark laws, and
are the property of their owners. Unless we say otherwise, you
may access the materials located within the Sites only for your
personal use. This means you may download one copy of posted
materials on a single computer for personal, noncommercial home
use only, so long as you neither change nor delete any author
attribution, trademark, legend or copyright notice. When you
download copyrighted material, you do not obtain any ownership
rights in that material. You may not modify, copy,
publish, display, transmit, adapt or in any way exploit the
content of the Sites. Only if you obtain prior written consent
from us—and from all other entities with an interest in the
relevant intellectual property—may you publish, display or
commercially exploit any material from the Sites. You must
abide by all additional copyright notices or other restrictions
contained in any of the Sites. You may not use spiders,
robots, data mining techniques or other automated devices or
programs to catalog, download or otherwise reproduce, store or
distribute content available on the Sites. You may not take any
action to interfere with, or disrupt, the Sites, circumvent
security measures or attempt to exceed the limited authorization
and access granted to you under these terms and conditions.
Links
These terms and conditions apply only to the Sites,
and not to the sites of any other companies or organizations,
including those to which any of the Sites may link. We are not
responsible for the availability of any other site to which any
of the Sites links. We do not endorse or take responsibility for
the contents, advertising, products or other materials made
available through any other site. Under no circumstances will we
be held responsible or liable, directly or indirectly, for any
loss or damage that is caused or alleged to have been caused to
you in connection with your use of, or reliance on, any content,
goods or services available on any other site. You should direct
any concerns to that site's administrator or webmaster.
Other sites may link to any of the Sites only through a
plain-text link to the home page of such Site. Permission must
be granted by us for any other type of link to the Sites. To
seek our permission, you may write to Smart Cookies Money
Mentoring Inc., S.L. Feldman & Associates, Suite 200-1505 West
2nd Avenue, Vancouver, BC V6H 3Y4. We reserve the right,
however, to rescind any permission granted by us to link through
a plain-text link or any other type of link, and to require
termination of any such link to any of the Sites, at our
discretion at any time. Submissions
We welcome your
comments about any of the Sites. However, unless a Site has set
up a specific submissions policy, we will not review or consider
any unsolicited creative submissions. We hope you will
understand that this policy is intended to avoid the possibility
of future misunderstandings in the event that projects developed
by our professional staff might seem to others to be similar to
their own creative work. Accordingly, we must ask that you not
send us any original creative ideas, suggestions or materials.
If, despite our request, you send us any creative idea,
suggestion or material ("Submission"), it shall become our
property. No Submission will be subject to any obligation of
confidence by us, and we will not be liable for any use or
disclosure of any Submission. We will exclusively own all known
or later-existing rights to the Submission worldwide, and will
be entitled to the unrestricted use of the Submission for any
purpose, without compensation to the provider of the Submission.
If you are submitting something to a Site that has set up a
submissions policy, please consult that site for its specific
requirements. Forums
A "forum" means any message
board, chat room, user review forum or other interactive service
appearing on any of the Sites and includes both public boards
and private folders. You must register in accordance with
instructions that you will find on the Sites in order to
contribute to any forum and comply with the House Rules or other
acceptable use policy. You may not post on any forum, or send to
any other forum user or our employee, any material that is
abusive, vulgar, threatening, harassing, libelous, defamatory,
obscene, invades a person's privacy, violates any intellectual
or other property rights, or that would otherwise violate any
law. You may not use any forum in a commercial manner. You may
not post material that solicits funds, or that advertises or
solicits goods or services. You may not post material known to
be false. You may not post messages that contain stock touts.
You may not post or transmit any information, software or other
material that contains a virus or other harmful component.
We are not responsible for material appearing in any forum on
the Sites, except for material signed by one of our identified
representatives. We are not responsible for screening material
posted by users for libel, obscenity, invasion of privacy,
copyright or trademark infringement, accuracy, or for any other
reason. We retain, however, the right to reject, modify or
remove messages or other material that we, in our sole
discretion, consider infringing, offensive, abusive, defamatory,
obscene, stale, or otherwise unacceptable or that violate the
Smart Cookies policies, these Terms and Conditions or any other
agreements between the user and the Smart Cookies and/or its
related entities. We also reserve the right to edit materials
for any other reason. Whether or not we modify or remove such
material, users remain solely responsible for the content of
their messages or postings. By posting on the Sites, you
grant (or warrant that the owner of such rights has expressly
granted) us and/or relevant affiliated companies the worldwide,
perpetual, nonexclusive right to use your questions, comments,
and postings, in their original or edited form, in television
programs, books, articles, commentaries, or in any other medium
now known or later developed. You also warrant that you own or
otherwise control all of the rights to the content you have
posted and that the public posting and use of such content by us
will not infringe the rights of any third party. Additionally,
you warrant that any "moral rights" in posted materials have
been waived. You are not entitled to any compensation for
any materials you may post on the Sites. Registration
If you access the Sites anonymously, you may do so as a visitor
and will not be required to provide personally identifiable
information. However, in order to access certain services on the
Sites, you will be required to provide specific information. All
information about you must be truthful, and you may not use any
aliases or other means to mask your true identity. Screen names
or IDs may not be offensive, deceptive or violate any other
party's rights. Any access codes or passwords provided should be
safeguarded at all times. You are responsible for the security
of your access codes and passwords and will be solely liable for
any use or unauthorized use under such access codes or
passwords. We may, at our discretion, suspend or terminate
the registration of any forum user or general user who violates
any of these terms and conditions of use, any of the forum
member guidelines or for any other behavior that we in our
discretion believe is inappropriate. Disclaimers
THE
SERVICES, PRODUCTS AND MATERIALS ON THIS SITE ARE PROVIDED "AS
IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR
IMPLIED. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED,
INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
NEITHER WE NOR ANY OF OUR RESPECTIVE LICENSORS OR SUPPLIERS
WARRANT THAT ANY FUNCTIONS CONTAINED IN THE SITES WILL BE
UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR
THAT THE SITES OR THE SERVER THAT MAKES THEM AVAILABLE ARE FREE
OF VIRUSES OR OTHER HARMFUL COMPONENTS. NEITHER WE NOR ANY
OF OUR RESPECTIVE LICENSORS OR SUPPLIERS WARRANT OR MAKE ANY
REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF
THE SERVICES, PRODUCTS OR MATERIALS IN THIS SITE IN TERMS OF
THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND
NOT WE OR ANY OF OUR RESPECTIVE LICENSORS OR SUPPLIERS) ASSUME
THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION
TO YOUR SYSTEM. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION
OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO
YOU. We do not endorse, warrant or guarantee any products
or services offered on the Sites. We are not a party to, and do
not monitor, any transaction between users and third party
providers of products or services.
The information and recommendations made on this site are
general information and is not intended to be legal advice. You
should consult with your own financial advisor before making any
major financial decisions, including investments or changes to
your portfolio, and a qualified legal professional before
executing any legal documents or taking any legal action. Smart
Cookies Money Mentoring Inc. and its affiliated companies and
entities is not responsible for any losses, damages or claims
that may result from your financial or legal decisions. Limitation of Liability
UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE,
WILL WE OR ANY OF OUR LICENSORS OR SUPPLIERS BE LIABLE FOR ANY
SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR
THE INABILITY TO USE, THE MATERIALS ON THE SITES, OR ANY
PRODUCTS OR SERVICES PROVIDED PURSUANT TO THE SITES, EVEN IF
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY
NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL
OR CONSEQUENTIAL DAMAGES (INCLUDING BUT NOT LIMITED TO LOST
DATA), SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO
YOU. IN NO EVENT SHALL THE TOTAL LIABILITY TO YOU BY US OR ANY
OF OUR LICENSORS OR SUPPLIERS FOR ALL DAMAGES, LOSSES, AND
CAUSES OF ACTION (WHETHER IN CONTRACT, TORT, OR OTHERWISE)
EXCEED THE AMOUNT PAID BY YOU TO US, IF ANY, FOR ACCESSING THE
SITES. No Personal Advice
The information contained
in or made available through the Sites (including but not
limited to information contained on message boards, in text
files, or in chats) cannot replace or substitute for the
services of trained professionals in any field or legal matters.
Parental Permission
The Sites are not directed to children
under the age of 13 and we will not knowingly collect personally
identifiable information from children under 13. WE STRONGLY
RECOMMEND THAT PARENTS PARTICIPATE IN THEIR CHILDREN'S
EXPLORATION OF THE INTERNET AND ANY ONLINE SERVICES AND USE
THEIR BROWSER'S PARENTAL CONTROLS TO LIMIT THE AREAS OF THE
INTERNET TO WHICH THEIR CHILDREN HAVE ACCESS. We may, at
our discretion, require users under 18 to obtain the consent of
a parent or guardian to view certain content, and we may limit
access to certain content to users above a specified age. You
agree to abide by any such restrictions, and not to help anyone
avoid these restrictions. We reserve the right to charge
fees, surcharges and/or membership fees for all or any of its
services currently provided for free at any time upon thirty
(30) days' prior written notice to you.
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