You must be at least eighteen (18) years old to use FindAndRate.com or any of its subdomains (hereafter referred to as "FindAndRate.com", "Subdomains", "Website", "Site") this website. This website is for your personal use only. You agree to NOT:
FindAndRate.com does NOT take any responsibility for any content, any opinion, recommendation, or advice expressed on the website, and disclaims ANY and ALL liability in connection with content.
FindAndRate.com does NOT permit copyright violation activities and violation of intellectual property rights on its website.
Account maintenance is performed by FindAndRate.com located in the USA. All membership fees/proceeds go to FindAndRate.
Some of our sub-domains offer membership. Membership allows professionals and business owners control of their profiles. All members need to have bona fide credentials and identification in order to modify their profiles. All changes of information published on this website must be in good faith.
FindAndRate.com members provide their real names and information, and we need your help to keep it that way. Here are some commitments you make to us relating to registering and maintaining the security of your account:
You agree that moderation, access and use is at our sole discretion, e.g. by blocking (e.g. IP addresses), filtering, deletion, delay, omission, verification, and/or access/account/membership termination. You agree (1) not to bypass said moderation, (2) we are not liable for moderating, not moderating, or representations as to moderating, and (3) nothing we say or do waives our right to moderate, or not. All site rules, e.g. terms, privacy, are incorporated herein.
If you violate the letter or spirit of these terms, or otherwise create risk or possible legal exposure for us, we can terminate your membership and your account on FindAndRate.com. You may also delete your account at any time. We reserve the right to modify, restructure or terminate this website at any time without any warning.
You agree and warrant that you shall access, use, and provide content to this website in accordance with all applicable federal, state, local and international laws and regulations. By using this website you agree that use of this website is entirely at your own risk. You understand and agree that you are entirely and solely responsible for ALL the content that you post, email or otherwise make available via this website and the consequences of posting or publishing it. You agree to pay for all royalties, fees, and any other monies owing any person by reason of any content posted by you to or through the website.
You understand that FindAndRate.com does not control, and is not responsible for content made available through this website, and that by using this website, you may be exposed to content that is offensive, indecent, inaccurate, misleading, or otherwise objectionable. Furthermore, the FindAndRate.com website and content available through this website may contain links to other websites, which are completely independent of FindAndRate.com. FindAndRate.com makes no warranty as to the accuracy, completeness or authenticity of the information contained in any such sites. Your linking to any other websites is at your own risk.
FindAndRate.com cannot claim copyright for any name, label, brand or database on the website. If copyrighted material appears on our site, or is reached through a link on this site, the copyright holder must be consulted before the material may be reproduced. However, this website it is copyrighted work and thus represents intellectual property that is subject to copyright laws.
Also, we inform you that FindAndRate.com in certain situations reserves the right to terminate the accounts of users who abuse copyright.
If you are the owner of a copyright right or its agent, and you believe that any material which is available through the FindAndRate.com website is a violation of your copyright work, please let us know about it. Please include as many details as possible that will allow us to ascertain the situation and facts. If possible, provide us with:
You agree that use of the FindAndRate.com website and all its subdomains is entirely at your own risk. The services provided by FindAndRate.com website and its subdomains are provided without any warranties of any kind. Under no circumstances will FindAndRate.com or its subdomains be liable for direct, indirect, incidental or any other type of damages resulting from any aspect of your use of the services provides by FindAndRate.com and its all subdomains for ANY reason.
You agree to hold FindAndRate.com harmless against ANY and ALL claims, losses, liabilities, suits, damages, disputes etc.
Many jurisdictions have laws protecting consumers and other contract parties, limiting their ability to waive certain rights and responsibilities. We respect such laws; nothing herein shall waive rights or responsibilities that cannot be waived.
To the extent permitted by law, (1) we make no promise as to FindAndRate.com, its completeness, accuracy, availability, timeliness, propriety, security or reliability; (2) your access and use are at your own risk, and FindAndRate.com is provided "AS IS" and "AS AVAILABLE"; (3) we are not liable for any harm resulting from (a) user content; (b) user conduct, e.g. illegal conduct; (c) your FindAndRate.com use; or (d) our representations; (4) we and our officers, directors, employees ("FindAndRate.com entities"), disclaim all warranties & conditions, express or implied, of merchantability, fitness for particular purpose, or non-infringement; (5) FindAndRate.com entities are not liable for any indirect, incidental, special, consequential or punitive damages, or any loss (e.g. of profit, revenue, data, or goodwill); (6) in no event shall our total liability exceed the actual cost of membership you paid to us in the past year.
You consent that in order to protect you and FindAndRate.com from fraudulent transactions, FindAndRate.com may provide your order information to reputable third parties to perform payment verification and to assist in fulfilling or delivering your order.
If you are not satisfied with your membership, within 15 days from the purchase date, we will fully refund the cost of your membership. There will be no refund if your profile has been modified in any way or deleted.
If you do not comply with these terms, and we don't take action right away, this doesn't mean that we are giving up any rights that we may have (such as taking action in the future).
If it turns out that a particular term is not enforceable, this will not affect any other terms.