This web site (“Site”) is owned and operated by Decision Economics, Inc. (“DEI”). This User Agreement (“Agreement”) contains the terms, covenants, conditions, and provisions (the “Terms and Conditions”) upon which you (also referred to herein as “User”) may access and use this Site and the content, including (without limitation) the ratings and other opinions, displayed on the Site.

Terms of Use

Subject to this Agreement, Decision Economics, Inc. and/or its subsidiaries, as applicable, (collectively and individually, "we", "our" or "us") make available certain on-line financial information and services on various websites ("Our Service") to registered and/or authorized users ("you" or "your"). Our Service presents information, data, content, news, reports, programs, video, audio and other materials and services, communications, transmissions and other items, tangible or intangible, which are referred to as "Material." Your use of Our Service constitutes your acknowledgment of and assent to be bound by this Agreement.

Unless there is another written agreement between you and us that covers your use of part or all of Our Service, this is the entire agreement between you and us. If there is another written agreement between you and us that covers your use of part of Our Service, this Agreement covers all other use of Our Service by you. Whenever new products or services become available, your use of them will be under this Agreement unless we notify you otherwise or another written agreement covers your use of those new products or services.

We may change this Agreement at any time and you can read a current copy of this Agreement at any time by selecting the "Important Legal Information" link on Our Service. If any change is not acceptable, you must discontinue your use immediately; using Our Service after the date that this Agreement changes means you accept the changes. No change to this Agreement that is not posted on the Service is valid unless it is in writing and signed by both you and us.

Service Overview & Purpose of Content

I understand Our Service provides access to general news and information, and to commentary, research reports and data concerning the financial markets and securities (collectively "Content"). Content is provided for informational and/or educational purposes and is not intended to provide tax, legal or investment advice and should not be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation for any security or any issuer by DEI. I understand that I alone am responsible for determining whether any investment, security or strategy is appropriate or suitable for me and that DEI has not made any determination that any recommendation, investment, or strategy in any content is suitable or appropriate for me based on my investment objectives and financial situation.Although Content is continuously supplied, it is only valid as of the date published and may become unreliable because of subsequent market conditions or other reasons, and is subject to change without notice. Past performance does not guarantee or predict future performance.

Permitted Use, Limitations on Use, Termination

You may access and download the Material only as required to view the Material on your web browser for your personal use, keeping all our copyright and other notices on the Material. You may print single copies of insubstantial amounts of Material for your personal use. You may not republish or distribute any Material or do anything else with the Material that is not specifically permitted in this Agreement. Notwithstanding the foregoing and except as otherwise expressly permitted herein, you may not modify, create derivatives of, copy, distribute, broadcast, transmit, reproduce, publish, license, transfer, sell, mirror, frame, “deep link,” “scrape,” data mine, or otherwise use any information or material obtained from or through this Site. Further, you may not post any content from the Site to forums, newsgroups, list serves, mailing lists, electronic bulletin boards, or other web sites, without the prior written consent of DEI. You warrant to DEI that you will not use this Site for any purpose that is unlawful or prohibited by these Terms and Conditions, including but not limited to attempting or actually (i) disrupting, impairing or interfering with the Site, (ii) collecting any information about other users, including passwords, accounts or other information, or (iii) systematically extracting data contained in the Site to populate databases for internal or external use. We may terminate your access to our Service and to our Material at our sole discretion at any time with or without providing notice to you.

Anti-hacking Provision

You may not, nor may you allow others to, directly or indirectly: (i) attempt to or actually disrupt, impair or interfere with, alter or modify Our Service or any Material; or (ii) collect or attempt to collect any information of others, including passwords, account or other information.

No Advice or Solicitation/Interest in Securities

The Material available on Our Service is for informational purposes only and should not be construed as an offer to sell, a solicitation of offers to buy or an endorsement, recommendation or sponsorship of any company or security. We, and our employees may invest or otherwise hold an interest in companies or securities mentioned on Our Service, unless otherwise noted

Links to Third Party Sites

Various links on Our Service will take you out of Our Service. We are not responsible for the contents of any linked page or any other page not under our control. We provide these links only as a convenience; the inclusion of a link does not imply endorsement of that linked site.

Limitation of Liability

You are entirely liable for activities conducted by you or anyone else in connection with your browsing and use of Our Service. If you are dissatisfied with the Material or Our Service or with these Terms of Use, your sole and exclusive remedy is to stop using the Material and Our Service. We will not pay you any damages.

We do not warrant the accuracy, completeness, currentness or other characteristics of any Material available on or through Our Service. We will not be liable for any loss or injury resulting directly or indirectly from Our Service, whether or not caused in whole or in part by our negligence or by contingencies within or beyond our control. The Material could include technical inaccuracies or typographical errors. We are not responsible or liable, directly or indirectly, for any loss or damage caused by use of or reliance on or inability to use or access Our Service or the Material.

YOUR ACCESS TO AND USE OF OUR SERVICE ARE AT YOUR SOLE RISK. OUR SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." OUR SERVICE IS FOR YOUR PERSONAL USE ONLY AND WE MAKE NO REPRESENTATION OR WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. WE EXPRESSLY DISCLAIM ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE.

WE ARE NOT AND WILL NOT BE A PARTY TO ANY TRANSACTION BETWEEN YOU AND ANY THIRD PARTY, WHETHER OR NOT THAT THIRD PARTY'S WEBSITE IS LINKED FROM OUR SERVICE.

Governing Law

The laws of the State of Massachusetts, excluding its conflicts of law rules, govern this Agreement and your use of Our Service. You agree to comply with all laws, regulations, obligations and restrictions that apply to you. You agree that the courts located in Massachusetts have exclusive jurisdiction for any claim, action or dispute under this Agreement. You also agree and expressly consent to the exercise of personal jurisdiction in the State of Massachusetts. No failure or delay in enforcing any right shall be a waiver of that or any other right. If any term of this Agreement is held invalid, illegal or unenforceable, the remaining portions shall not be affected.

Copyright

Unless specifically stated in conjunction with particular Material, all Material is copyrighted by us. You have no rights in or to the Material and you may not use any Material other than as permitted under this Agreement.

Trademark

All trade names, trademarks, service marks and other product and service names and logos on Our Service or in the Material are the proprietary trademarks of their respective owners and are protected by applicable trademark and copyright laws.

Privacy Policy

"Personal information" means any information relating to your use of Our Service that specifically identifies you. Keeping your personal information secure and ensuring your understanding of how we use that information is important to us. Our goal is to help you understand how the personal information you choose to share with us through this site is used and maintained.

The personal information you provide and the data you create and save on this site, may be used to provide a service to you and to inform you of products, services, or opportunities that may be available through DEI. Users interact with us in a variety of ways, and under some of these variations we may exchange information with other parties. For example if you access our information through a financial intermediary, we may exchange the information we collect with them. For those users that access our services directly, without an intermediary, we will not share your personal information with any party outside of DEI. Except in the situation described above, we will not disclose your personal information to any third party unless we are compelled by law or, in our sole discretion, whenever we believe an emergency, illegal activity or some other reasonable basis exists for notifying or providing such information to the appropriate authorities.

We sometimes aggregate information about our users and you agree we can use and make such statistical information available to others, as long as we don't identify you personally.

We are committed to protecting your privacy. Nevertheless, while we strive to protect your personal information, we cannot ensure or warrant the security of any information you transmit to us and you do so at your own risk.

A cookie is a very small text file placed on your hard drive by a Web Page server. It is essentially your identification card, and cannot be executed as code or deliver viruses. It is uniquely yours and can only be read by the server that gave it to you.

Our Service may place one or more cookies on your computer. These cookies may be used to remind us who you are and what features or premium services you have registered.