PLEASE READ THIS DOCUMENT CAREFULLY BEFORE ACCESSING OR USING OUR WEBSITE. BY ACCESSING OR USING OUR WEBSITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH BELOW. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS, YOU MAY NOT ACCESS OR USE OUR WEBSITE. IF YOU DO NOT UNDERSTAND THESE TERMS AND CONDITIONS, DO NOT USE OUR WEBSITE. WE MAY MODIFY THIS AGREEMENT AT ANY TIME WITHOUT INDIVIDUAL, SPECIFIC NOTICE TO YOU, AND SUCH MODIFICATIONS SHALL BE EFFECTIVE IMMEDIATELY UPON POSTING OF THE MODIFIED AGREEMENT ON OUR WEBSITE. YOU AGREE TO REVIEW THE AGREEMENT PERIODICALLY TO BE AWARE OF SUCH MODIFICATIONS AND YOUR CONTINUED ACCESS OR USE OF OUR WEBSITE AFTER SUCH NOTICE SHALL BE DEEMED YOUR CONCLUSIVE ACCEPTANCE OF THE MODIFIED AGREEMENT, INCLUDING ANY AND ALL MODIFICATIONS, ADDITIONS, DELETIONS, OR OTHER CHANGES.

OUR WEBSITE AND CONTENT ARE PROVIDED ON AN ‘AS IS’ BASIS WITHOUT ANY WARRANTIES OF ANY KIND. OUR WEBSITE AND ITS SUPPLIERS, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL WARRANTIES, INCLUDING (BUT NOT LIMITED TO) THE WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES RIGHTS, AND THE WARRANTY OF FITNESS FOR PARTICULAR PURPOSE. OUR WEBSITE AND ITS SUPPLIERS MAKE NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE CONTENT, SERVICES, SOFTWARE TEXT, GRAPHICS, AND LINKS.

By using this web­site, you agree to obey these Terms of Ser­vice and Con­di­tions of Use. Please read them care­ful­ly.

Our GboyeTell Group web­site (and oth­er “inter­nal” web­sites stem­ming from it, such as spe­cif­ic mem­ber­ship sites or web­pages per­ti­nent to the main web­site or weblog) is an online (and, peri­od­i­cal­ly, offline) infor­ma­tion ser­vice and is sub­ject to your com­pli­ance with the terms and con­di­tions set forth below (all parts and par­ties col­lec­tive­ly referred to as our web­site).

Any oth­er poli­cies, notices, or oth­er legal/administrative pages con­tained in our web­site are nec­es­sar­i­ly incor­po­rat­ed into these Terms of Ser­vice and Con­di­tions of Use. This may include, with­out lim­i­ta­tion, a DMCA Pol­i­cy, Pri­va­cy Pol­i­cy, Dis­claimer, Copy­right Notice, Anti-Spam Pol­i­cy, and FTC Com­pli­ance Pol­i­cy.

You agree to obey all applic­a­ble laws and reg­u­la­tions regard­ing your use of our GboyeTell Group web­site and the con­tent and mate­ri­als pro­vid­ed in it.

Our web­site is an inde­pen­dent, stand-alone enti­ty that has no rela­tion­ship, con­nec­tion, or affil­i­a­tion what­so­ev­er with any com­pa­ny, per­son, out­fit, orga­ni­za­tion, or group men­tioned here­in, even if such name appears in our web­site name, domain, URL, or oth­er­wise. You should assume no oth­er par­ty, by mere men­tion of their name, has endorsed any­thing you see here. The aim is sim­ply to pro­vide use­ful resources for our read­ers, some of which we may be com­pen­sat­ed for. You should sim­ply assume at all times we are being com­pen­sat­ed and, while that may not prompt us to make unsound rec­om­men­da­tions, you should always be respon­si­ble for your own finan­cial deci­sions, be it invest­ing, pur­chas­ing, donat­ing, or oth­er­wise.

1. Copy­right, Licens­es and Idea/User Sub­mis­sions.

The fol­low­ing describes the Copy­right Notice for our web­site.

The entire con­tents of our web­site are pro­tect­ed by intel­lec­tu­al prop­er­ty law, includ­ing inter­na­tion­al copy­right and trade­mark laws. The own­er of the copy­rights and/or trade­marks are our web­site, and/or oth­er third par­ty licen­sors or relat­ed enti­ties.

You do not own rights to any arti­cle, book, ebook, doc­u­ment, blog post, soft­ware, appli­ca­tion, add-on, plu­g­in, art, graph­ics, images, pho­tos, video, webi­nar, record­ing or oth­er mate­ri­als viewed or lis­tened to through or from our GboyeTell Group web­site or via email or by way of pro­tect­ed con­tent in a mem­ber­ship site. The post­ing of data on our web­site, such as a blog com­ment, does not change this fact and does not give you any right in the data. You sur­ren­der any rights to your con­tent once it becomes part of our web­site.

YOU MAY NOT MODIFY, COPY, REPRODUCE, REPUBLISH, UPLOAD, POST, TRANSMIT, OR DISTRIBUTE, IN ANY MANNER, THE CONTENT ON OUR WEBSITE, INCLUDING TEXT, GRAPHICS, CODE AND/OR SOFTWARE. You must retain all copy­right and oth­er pro­pri­etary notices con­tained in the orig­i­nal con­tent on any copy you make of the con­tent. You may not sell or mod­i­fy the con­tent or repro­duce, dis­play, pub­licly per­form, dis­trib­ute, or oth­er­wise use the con­tent in any way for any pub­lic or com­mer­cial pur­pose. The use of paid con­tent on any oth­er web­site or in a net­worked com­put­er envi­ron­ment for any pur­pose is pro­hib­it­ed. If you vio­late any of the terms or con­di­tions, your per­mis­sion to use the con­tent auto­mat­i­cal­ly ter­mi­nates and you must imme­di­ate­ly destroy any copies you have made of the con­tent.

You are grant­ed a nonex­clu­sive, non­trans­fer­able, revo­ca­ble license to use our web­site only for pri­vate, per­son­al, non­com­mer­cial rea­sons. You may print and down­load por­tions of mate­r­i­al from the dif­fer­ent areas of the web­site sole­ly for your own non-com­mer­cial use, pro­vid­ed that you agree not to change the con­tent from its orig­i­nal form. More­over, you agree not to mod­i­fy or delete any copy­right or pro­pri­etary notices from the mate­ri­als you print or down­load. Also note that any notice on any por­tion of our web­site that for­bids print­ing & down­load­ing trumps all pri­or state­ments and con­trols.

As a user, you agree to use the prod­ucts and ser­vices offered by our web­site in a man­ner con­sis­tent with all applic­a­ble local, state and fed­er­al laws and reg­u­la­tions. No mate­r­i­al shall be stored or trans­mit­ted which infringes or vio­lates the rights of oth­ers, which is unlaw­ful, obscene, pro­fane, inde­cent or oth­er­wise objec­tion­able, threat­en­ing, defam­a­to­ry, or inva­sive of pri­va­cy or pub­lic­i­ty rights.

Our GboyeTell Group web­site pro­hibits con­duct that might con­sti­tute a crim­i­nal offense, give rise to civ­il lia­bil­i­ty or oth­er­wise vio­late any law. Any activ­i­ty that restricts or inhibits any oth­er user from using the ser­vices of our web­site is also pro­hib­it­ed. Unless allowed by a writ­ten agree­ment, you may not post or trans­mit adver­tis­ing or com­mer­cial solic­i­ta­tion on our web­site.

You agree to grant to our web­site a non-exclu­sive, roy­al­ty-free, world­wide, irrev­o­ca­ble, per­pet­u­al license, with the right to sub-license, to repro­duce, dis­trib­ute, trans­mit, cre­ate deriv­a­tive works of, pub­licly dis­play and pub­licly per­form any mate­ri­als and oth­er infor­ma­tion (includ­ing, with­out lim­i­ta­tion, ideas con­tained there­in for new or improved prod­ucts and ser­vices) you sub­mit to any pub­lic areas of our web­site (such as bul­letin boards, forums, blog, and news­groups) or by e‑mail to our web­site by all means and in any media now known or here­after devel­oped. You also grant to our web­site the right to use your name in con­nec­tion with the sub­mit­ted mate­ri­als and oth­er infor­ma­tion as well as in con­nec­tion with all adver­tis­ing, mar­ket­ing and pro­mo­tion­al mate­r­i­al relat­ed there­to. You agree that you shall have no recourse against our web­site for any alleged or actu­al infringe­ment or mis­ap­pro­pri­a­tion of any pro­pri­etary right in your com­mu­ni­ca­tions to our web­site.

Trade­marks

Pub­li­ca­tions, prod­ucts, con­tent or ser­vices ref­er­enced here­in or on our web­site are the exclu­sive trade­marks or ser­vice­marks of our GboyeTell Group web­site or relat­ed par­ties. Oth­er prod­uct and com­pa­ny names men­tioned in our web­site may be the trade­marks of their respec­tive own­ers.

Links to Our Web­site

You may pro­vide links to our web­site, pro­vid­ed you do not change, remove, or obscure the copy­right notice or oth­er notices on our web­site. Your web­site or oth­er source of links must not engage in ille­gal or porno­graph­ic activ­i­ties. Final­ly, you may link pro­vid­ed you under­stand that you must stop link­ing to our web­site imme­di­ate­ly upon request by our web­site.

2. Use of our web­site.

You agree, acknowl­edge, and accept that we are not trained pro­fes­sion­als and do not pur­port to ren­der pro­fes­sion­al or expert advice in any are­na.

Data con­tained on or made avail­able through our GboyeTell Group web­site is not intend­ed to be, and does not con­sti­tute, legal advice. Our web­site, and your use of it, does not cre­ate an attor­ney-client rela­tion­ship. We do not war­rant or guar­an­tee the accu­ra­cy, ade­qua­cy, or recen­cy of the data con­tained in or linked to our web­site.

Data con­tained on or made avail­able through our web­site is not intend­ed to be, and does not con­sti­tute, med­ical or health advice. Our web­site, and your use of it, does not cre­ate a physi­cian-patient rela­tion­ship. We do not war­rant or guar­an­tee the accu­ra­cy, ade­qua­cy, or recen­cy of the data con­tained in or linked to our web­site.

Data con­tained on or made avail­able through our web­site is not intend­ed to be, and does not con­sti­tute, financial/investing advice. Our web­site, and your use of it, does not cre­ate an advi­sor-client rela­tion­ship. We do not war­rant or guar­an­tee the accu­ra­cy, ade­qua­cy, or recen­cy of the data con­tained in or linked to our web­site.

Your use of our GboyeTell Group web­site or mate­ri­als linked to our web­site is com­plete­ly at your own risk. You should not act or depend on any data on our web­site, where applic­a­ble, with­out seek­ing the coun­sel of a com­pe­tent lawyer licensed to prac­tice in your juris­dic­tion for your par­tic­u­lar legal issues. You should not act or depend on any data on our web­site, where applic­a­ble, with­out seek­ing the coun­sel of a com­pe­tent physi­cian licensed to prac­tice in your juris­dic­tion for your par­tic­u­lar med­ical issues. You should not act or depend on any data on our web­site, where applic­a­ble, with­out seek­ing the coun­sel of a com­pe­tent finan­cial advi­sor licensed to prac­tice in your juris­dic­tion for your par­tic­u­lar finan­cial needs and issues.

We may make changes to the fea­tures, func­tion­al­i­ty or con­tent of our web­site at any time. We reserve the right in our sole dis­cre­tion to edit or delete any data appear­ing on our web­site.

Your Duty To Oth­er Users

Your use of our web­site is for your own per­son­al, non-com­mer­cial ben­e­fit. In no way are you to lever­age our web­site in a way that mines for the per­son­al infor­ma­tion of oth­er, whether in blog com­ments or oth­er­wise, for your own use or for the ben­e­fit of oth­ers. This includes, but is not lim­it­ed to, spam (unso­licit­ed com­mer­cial email).

If you inad­ver­tent­ly obtain per­son­al infor­ma­tion about oth­er users, you shall not share this with any­one else.

Restrict­ed access

Access to cer­tain areas of our GboyeTell Group web­site is restrict­ed. We reserve the right to restrict access to oth­er areas of our web­site, or indeed our whole web­site, at our dis­cre­tion.

If we pro­vide you with a user ID (user­name) and pass­word to enable you to access restrict­ed areas of our web­site or oth­er con­tent or ser­vices, you must ensure that that user ID and pass­word is kept con­fi­den­tial. You may not share your user ID and/or pass­word with any­one for any rea­son, either direct­ly or indi­rect­ly. You accept respon­si­bil­i­ty for all activ­i­ties that occur under your user ID or pass­word.

We may dis­able your user ID and pass­word at our sole dis­cre­tion or if you breach any of the poli­cies or terms gov­ern­ing your use of our GboyeTell Group web­site or any oth­er con­trac­tu­al oblig­a­tion you owe to us.

Third-Par­ty Products/Services

You under­stand that, except for infor­ma­tion, prod­ucts or ser­vices clear­ly iden­ti­fied as being sup­plied by our web­site, our web­site does not oper­ate, con­trol or endorse any infor­ma­tion, prod­ucts or ser­vices on the Inter­net in any way. Except for infor­ma­tion iden­ti­fied by our web­site as such, all infor­ma­tion, prod­ucts and ser­vices offered through our web­site or on the Inter­net gen­er­al­ly are offered by third par­ties that are not affil­i­at­ed with our web­site, and we may be com­pen­sat­ed.

Virus­es, etc.

You also under­stand that our GboyeTell Group web­site can­not and does not guar­an­tee or war­rant that files avail­able for down­load­ing through our web­site will be free of infec­tion or virus­es, worms, Tro­jan hors­es or oth­er code that man­i­fest con­t­a­m­i­nat­ing or destruc­tive prop­er­ties. You are respon­si­ble for imple­ment­ing suf­fi­cient pro­ce­dures and check­points to sat­is­fy your par­tic­u­lar require­ments for accu­ra­cy of data input and out­put, and for main­tain­ing a means exter­nal to our web­site for the recon­struc­tion of any lost data.

Assump­tion of Risk

YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF OUR WEBSITE AND THE INTERNET. OUR WEBSITE PROVIDES OUR WEBSITE AND RELATED INFORMATION “AS IS” AND DOES NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER (INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE OR NONINFRINGEMENT, OR THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE) WITH REGARD TO THE PRODUCT OR SERVICE, ANY MERCHANDISE INFORMATION OR SERVICE PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY, AND OUR WEBSITE SHALL NOT BE LIABLE FOR ANY COST OR DAMAGE ARISING EITHER DIRECTLY OR INDIRECTLY FROM ANY SUCH TRANSACTION. IT IS SOLELY YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ALL OPINIONS, ADVICE, SERVICES, MERCHANDISE AND OTHER INFORMATION PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY. OUR WEBSITE DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT DEFECTS IN THE SERVICE WILL BE CORRECTED.

YOU UNDERSTAND FURTHER THAT THE PURE NATURE OF THE INTERNET CONTAINS UNEDITED MATERIALS SOME OF WHICH ARE SEXUALLY EXPLICIT OR MAY BE OFFENSIVE TO YOU. YOUR ACCESS TO SUCH MATERIALS IS AT YOUR RISK. OUR WEBSITE HAS NO CONTROL OVER AND ACCEPTS NO RESPONSIBILITY WHATSOEVER FOR SUCH MATERIALS YOU MIGHT SOMEHOW ACCESS.

Lim­i­ta­tion of Lia­bil­i­ty

The con­tent may con­tain inac­cu­ra­cies or typo­graph­i­cal errors. Our GboyeTell Group web­site makes no rep­re­sen­ta­tions about the accu­ra­cy, reli­a­bil­i­ty, com­plete­ness, or time­li­ness of the con­tent or about the results to be obtained from using our web­site or the con­tent on it. Use of our web­site and the con­tent is at your own risk. Changes are peri­od­i­cal­ly made to our web­site, and may be made at any time.

OUR WEBSITE DOES NOT WARRANT THAT OUR WEBSITE WILL OPERATE ERROR-FREE OR THAT OUR WEBSITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES AND OTHER HARMFUL GOODS OR CONDITIONS. IF YOUR USE OF OUR WEBSITE OR THE CONTENT RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, OUR WEBSITE IS NOT RESPONSIBLE FOR THOSE COSTS.

Express Dis­claimer of Con­se­quen­tial Dam­ages

IN NO EVENT WILL OUR WEBSITE, ITS SUPPLIERS, OR ANY THIRD PARTIES MENTIONED AT OUR WEBSITE BE LIABLE FOR (I) ANY INCIDENTAL, CONSEQUENTIAL, INDIRECT OR OTHER DAMAGES (INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR INFORMATION, AND THE LIKE) ARISING OUT OF THE USE OF OR INABILITY TO USE THE SERVICE, OR ANY INFORMATION, OR TRANSACTIONS PROVIDED ON THE SERVICE, OR DOWNLOADED FROM THE SERVICE, OR ANY DELAY OF SUCH INFORMATION OR SERVICE. EVEN IF OUR WEBSITE OR ITS AUTHORIZED REPRESENTATIVES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, OR (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICE AND/OR MATERIALS OR INFORMATION DOWNLOADED THROUGH THE SERVICE.

BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW, RESULTING IN THE SMALLEST DOLLAR AMOUNT PERMITTED FOR THE AGGREGATE LIABILITY FOR BOTH OUR WEBSITE AND AFFILIATED PARTIES FOR A CLAIM DERIVING FROM OR RELATED TO OUR WEBSITE. THIS IS IN PLACE OF ANY AND ALL OTHER REMEDIES OTHERWISE AVAILABLE.

Links to Oth­er Web­sites.

Our web­site con­tains links to third par­ty Web­sites. Our GboyeTell Group web­site makes no rep­re­sen­ta­tions what­so­ev­er about any oth­er web­site which you may access through this one or which may link to this web­site. When you access a web­site from our web­site, please under­stand that it is inde­pen­dent from our web­site, and that our web­site has no con­trol over the con­tent on that web­site. These links are pro­vid­ed sole­ly as a con­ve­nience to you and not as an endorse­ment by our web­site of the con­tents on such third-par­ty Web­sites. Our web­site is not respon­si­ble for the con­tent of linked third-par­ty Web­sites and does not make any rep­re­sen­ta­tions regard­ing the con­tent or accu­ra­cy of mate­r­i­al on such third par­ty Web­sites. If you decide to access linked third-par­ty Web­sites, you do so at your own risk. We do not nec­es­sar­i­ly endorse, rec­om­mend, sug­gest or oth­er­wise make any over­ture or prompt for action regard­ing any prod­uct or ser­vice offered. You should assume we are com­pen­sat­ed for any pur­chas­es you make. Again, any income claims should be con­strued as atyp­i­cal results and you assume the risk that infe­ri­or results obtain, includ­ing loss­es, for which we car­ry no respon­si­bil­i­ty or lia­bil­i­ty.

User Sub­mis­sions

As a user of our GboyeTell Group web­site, you are respon­si­ble for your own com­mu­ni­ca­tions and are respon­si­ble for the con­se­quences of their post­ing. You must not do the fol­low­ing things: post mate­r­i­al that is copy­right­ed, unless you are the copy­right own­er or have the per­mis­sion of the copy­right own­er to post it; post mate­r­i­al that reveals trade secrets, unless you own them or have the per­mis­sion of the own­er; post mate­r­i­al that infringes on any oth­er intel­lec­tu­al prop­er­ty rights of oth­ers or on the pri­va­cy or pub­lic­i­ty rights of oth­ers; post mate­r­i­al that is obscene, pro­fane, defam­a­to­ry, threat­en­ing, harass­ing, abu­sive, hate­ful, or embar­rass­ing to anoth­er user of our web­site or any oth­er per­son or enti­ty; post a sex­u­al­ly-explic­it image; post adver­tise­ments or solic­i­ta­tions of busi­ness; post chain let­ters or pyra­mid schemes; or imper­son­ate anoth­er per­son.

Our web­site does not rep­re­sent or guar­an­tee the truth­ful­ness, accu­ra­cy, or reli­a­bil­i­ty of any com­mu­ni­ca­tions post­ed by oth­er users of our web­site or endorse any opin­ions expressed by users of our web­site. You acknowl­edge that any reliance on mate­r­i­al post­ed by oth­er users of our web­site will be at your own risk.

Our GboyeTell Group web­site does not nec­es­sar­i­ly screen com­mu­ni­ca­tions in advance and is not respon­si­ble for screen­ing or mon­i­tor­ing mate­r­i­al post­ed by users of our web­site. If observed by our web­site and/or noti­fied by a user of com­mu­ni­ca­tions which alleged­ly do not con­form to this agree­ment, our web­site may inves­ti­gate the alle­ga­tion and deter­mine in good faith and its sole dis­cre­tion whether to remove or request the removal of the com­mu­ni­ca­tion. Our web­site has no lia­bil­i­ty or respon­si­bil­i­ty to users of our web­site for per­for­mance or non­per­for­mance of such activ­i­ties. Our web­site reserves the right to expel users of our web­site and pre­vent their fur­ther access to our web­site for vio­lat­ing this agree­ment or any law or reg­u­la­tion, and also reserves the right to remove com­mu­ni­ca­tions which are abu­sive, ille­gal, or dis­rup­tive.

Social Media Warn­ing (Divul­gence of Per­son­al & Pri­vate Infor­ma­tion)

Social media has pro­vid­ed a plat­form for inter­net users to dis­close much per­son­al infor­ma­tion about them­selves, in a way that seems innocu­ous, if not prop­er and expect­ed. How­ev­er, more than a few folks have already lived to regret per­son­al infor­ma­tion that was shared either by them or oth­ers. This has long been true of sim­ple email. It is expo­nen­tial­ly true of social web­sites and appli­ca­tions for social media on any oth­er web­site, includ­ing this one. You are cau­tioned against care­less­ly dis­clos­ing infor­ma­tion.

3. Indem­ni­fi­ca­tion.

You agree to indem­ni­fy, defend and hold harm­less our GboyeTell Group web­site, its mem­bers, offi­cers, direc­tors, employ­ees, agents, licen­sors, sup­pli­ers and any third par­ty infor­ma­tion providers to our web­site from and against all loss­es, expens­es, dam­ages and costs, includ­ing rea­son­able attor­neys’ fees, result­ing from any use of our web­site or vio­la­tion of this Agree­ment (includ­ing neg­li­gent or wrong­ful con­duct) by you or any oth­er per­son access­ing our web­site.

4. Third Par­ty Rights.

The pro­vi­sions of para­graphs 2 (Use of the Ser­vice), and 3 (Indem­ni­fi­ca­tion) are for the ben­e­fit of our web­site and its own­ers, offi­cers, direc­tors, employ­ees, agents, licen­sors, sup­pli­ers, and any third par­ty infor­ma­tion providers to the Ser­vice. Each of these indi­vid­u­als or enti­ties shall have the right to assert and enforce those pro­vi­sions direct­ly against you on its/their own behalf.

5.Term; Ter­mi­na­tion.

We reserve the right to inves­ti­gate com­plaints or report­ed vio­la­tions of these Terms of Ser­vice and Con­di­tions of Use and to take any action we deem appro­pri­ate, includ­ing but not lim­it­ed to report­ing any sus­pect­ed unlaw­ful activ­i­ty to law enforce­ment offi­cials, reg­u­la­tors, or oth­er third par­ties and dis­clos­ing any data nec­es­sary or appro­pri­ate to such per­sons or enti­ties relat­ing to your pro­file, email address­es, usage his­to­ry, IP address­es and traf­fic data.

This Agree­ment, in whole or in part, may be ter­mi­nat­ed by GboyeTell Group with­out notice at any time for any rea­son. The pro­vi­sions of para­graphs 1 (Copy­right, Licens­es and Idea Sub­mis­sions), 2 (Use of the Ser­vice), 3 (Indem­ni­fi­ca­tion), 4 (Third Par­ty Rights), 6 (Hir­ing an Attor­ney / No Attor­ney-Client Rela­tion­ship), and 7 (Mis­cel­la­neous) shall sur­vive any ter­mi­na­tion of this Agree­ment, in whole or in part.

6.Hiring an Invest­ment Advi­sor, Attor­ney, or Med­ical or Oth­er Pro­fes­sion­al / No Attor­ney-Client Rela­tion­ship or Fidu­cia­ry Capac­i­ty.

Choos­ing a lawyer, doc­tor, or invest­ment advi­sor is a seri­ous mat­ter and should NOT be based sole­ly on data con­tained on our web­site or in adver­tise­ments.

The law is con­stant­ly chang­ing and the data may not be com­plete or accu­rate depend­ing on your par­tic­u­lar legal issue. Each legal issue depends on its indi­vid­ual facts and dif­fer­ent juris­dic­tions have dif­fer­ent laws and reg­u­la­tions. This is why you should seri­ous­ly con­sid­er hir­ing licensed, pro­fes­sion­al coun­sel in your juris­dic­tion.

Med­ical issues are com­plex, and can often stem from both organ­ic and psy­cho­log­i­cal fac­tors. Nev­er should a web­site be used as a source of diag­nos­ing or treat­ing med­ical prob­lems.

Finan­cial mat­ters are high­ly indi­vid­u­al­is­tic. Risk tol­er­ance is just one fac­tor to con­sid­er before mak­ing any invest­ments or finan­cial deci­sions. For these, and oth­er, rea­sons, you should look to the guid­ance of a trained pro­fes­sion­al, not a web­site.

You may send us email, but in no instance will this com­mu­ni­ca­tion in any way be con­strued as ini­ti­at­ing an attor­ney-client rela­tion­ship, or oth­er pro­fes­sion­al rela­tion­ship, and so the con­tact should not include con­fi­den­tial or sen­si­tive data because your com­mu­ni­ca­tion will not be treat­ed as priv­i­leged or con­fi­den­tial.

7.Miscellaneous.

Gov­ern­ing Law

This Agree­ment shall treat­ed as though exe­cut­ed, set in force, and per­formed in the State of Cal­i­for­nia. Accord­ing­ly, it shall be gov­erned and con­strued in accor­dance with the laws of Cal­i­for­nia in terms of those applic­a­ble to agree­ments, with­out regard to con­flict of law prin­ci­ples.

Dis­putes

Any cause of action by you with respect to our GboyeTell Group web­site must be insti­tut­ed with­in one (1) year after the cause of action arose or be for­ev­er waived and barred. All actions shall be sub­ject to the lim­i­ta­tions set forth in these Terms of Ser­vice and Con­di­tions of Use. Any legal claim aris­ing out of or relat­ing to these Terms of Ser­vice and Con­di­tions of Use or our web­site, exclud­ing intel­lec­tu­al prop­er­ty right infringe­ment and oth­er claims by us, shall be set­tled con­fi­den­tial­ly through manda­to­ry bind­ing arbi­tra­tion per the Amer­i­can Arbi­tra­tion Asso­ci­a­tion com­mer­cial arbi­tra­tion rules. The arbi­tra­tion shall be con­duct­ed in Cal­i­for­nia. Each par­ty shall bear one half of the arbi­tra­tion fees and costs incurred, and each par­ty shall bear its own lawyer fees. All claims shall be arbi­trat­ed on an indi­vid­ual basis, and shall not be con­sol­i­dat­ed in any arbi­tra­tion with any claim or con­tro­ver­sy of any oth­er par­ty.

Mod­i­fi­ca­tion

Nei­ther the course of con­duct between the par­ties nor indus­try trade prac­tice shall act to mod­i­fy any pro­vi­sion of this Agree­ment.

Assign­a­bil­i­ty

Our web­site may assign its rights and duties under this Agree­ment to any par­ty at any time with­out notice to you.

Con­tra Pref­er­en­tum

The lan­guage in these Terms of Ser­vice and Con­di­tions of Use shall be inter­pret­ed as to its fair mean­ing and not strict­ly for or against any par­ty. Any rule of con­struc­tion to the effect that ambi­gu­i­ties are to be resolved against the draft­ing par­ty (i.e. – “con­tra pref­er­en­tum”) shall not apply in inter­pret­ing these Terms of Ser­vice and Con­di­tions of Use, as the Agree­ment shall be con­strued as hav­ing been co-authored by the par­ties.

Sev­er­abil­i­ty

Should any part of these Terms of Ser­vice and Con­di­tions of Use be held invalid or unen­force­able, that por­tion shall be con­strued as much as pos­si­ble con­sis­tent with applic­a­ble law and sev­er­abil­i­ty shall apply to the remain­ing por­tions, so that they remain in full force and effect.

This Agree­ment Pre­vails

To the extent that any­thing in or asso­ci­at­ed with our web­site is in con­flict or incon­sis­tent with these Terms of Ser­vice and Con­di­tions of Use, these Terms of Ser­vice and Con­di­tions of Use shall take prece­dence.

Waiv­er

Our fail­ure to enforce any pro­vi­sion of these Terms of Ser­vice and Con­di­tions of Use shall not be deemed a waiv­er of the pro­vi­sion nor of the right to enforce the pro­vi­sion.

Our rights under these Terms of Ser­vice and Con­di­tions of Use shall sur­vive any ter­mi­na­tion of this agree­ment.

Any rights not express­ly grant­ed here­in are reserved to GboyeTell Group.

CHANGE NOTICE: As with any of our admin­is­tra­tive and legal notice pages, the con­tents of this page can and will change over time. Accord­ing­ly, this page could read dif­fer­ent­ly as of your very next vis­it. These changes are neces­si­tat­ed, and car­ried out by GboyeTell Group, in order to pro­tect you and our GboyeTell Group web­site. If this page is impor­tant to you, you should check back fre­quent­ly as no oth­er notice of changed con­tent will be pro­vid­ed either before or after the change takes effect.

COPYRIGHT WARNING: The legal notices and admin­is­tra­tive pages on this web­site, includ­ing this one, have been dili­gent­ly draft­ed by an attor­ney. We at GboyeTell Group have paid to license the use of these legal notices and admin­is­tra­tive pages on GboyeTell Group for your pro­tec­tion and ours. This mate­r­i­al may not be used in any way for any rea­son and unau­tho­rized use is policed via Copy­scape to detect vio­la­tors.

QUESTIONS/COMMENTS/CONCERNS: If you have any ques­tions about the con­tents of this page, or sim­ply wish to reach us for any oth­er rea­son, you may do so by fol­low­ing this link: https://gboyetell.com