Terms and Conditions

CONTENTS

  1. AGREEMENT
  2. CHANGES TO TERMS OF USE
  3. IMPORTANT SECURITIES DISCLAIMERS
  4. CREDIT SPREAD CHEAT SHEET’S INTELLECTUAL PROPERTY RIGHTS
  5. SUBSCRIPTION TO CREDIT SPREAD CHEAT SHEET’S SERVICES
  6. TERMINATION, CANCELLATION, AND REFUND POLICY
  7. USER CONDUCT
  8. LINKS TO THIRD PARTY SITES
  9. DISCLAIMER OF WARRANTIES
  10. LIMITATION OF LIABILITY
  11. INDEMNIFICATION
  12. COPYRIGHT INFRINGEMENT
  13. PRIVACY
  14. SUBMISSIONS
  15. GOVERNING LAW AND JURISDICTION
  16. MISCELLANEOUS

THE FOLLOWING TERMS OF USE DESCRIBE YOUR RIGHTS AND RESPONSIBILITIES. PLEASE READ THE FOLLOWING TERMS OF USE CAREFULLY BEFORE YOU USE OUR WEBSITE OR SUBSCRIBE TO ANY OF OUR SERVICES. YOUR USE OF OUR WEBSITE AND/OR SUBSCRIPTION TO OUR SERVICES CONSTITUTES YOUR AGREEMENT TO BE BOUND BY THE FOLLOWING TERMS AND CONDITIONS.

Credit Spread Cheat Sheet LLC (hereinafter referred to as “CSCS”), provides its web site, www.creditspreadcheatsheet.com (hereinafter referred to as the “Site”) and its subscription services (hereinafter referred to as the “Services”), for your individual use, subject to compliance with the terms and conditions set forth herein. All commentary and information provided by CSCS, including all information found on the Site and/or provided by CSCS in connection with the Services is provided for informational purposes only and is in no way investment advice.

1. AGREEMENT

By using the Site and/or subscribing to CSCS’s Services, you represent that you have read the Terms of Use set forth herein (the “TOU”) and agree to be bound thereby. You further represent by using the Site and/or subscribing to the Services that: (i) you are at least eighteen (18) years old; (ii) you have the capacity to be bound by the TOU; and (iii) if you are acting on behalf of a company or other entity, you have the authority to bind such company or entity. Upon CSCS’s request, you hereby agree to sign a non-electronic version of the TOU.

If you do not agree to the terms and conditions contained in the TOU, CSCS does not consent to your access to the Site or use of the Services; in the event that you do not agree to the TOU, do not access or use the Site and/or the Services.

2. CHANGES TO THE TOU

CSCS reserves the right to, at any time and without prior notice to you, do the following:

  • Amend or revise the TOU;
  • Change the Site and/or Services, including eliminating or discontinuing any content or feature of the Site and/or Services;
  • Impose fees, charges or other conditions for use of the Site and/or Services (with reasonable notice);
  • Refuse to provide a subscription to the Site and/or Services to any person(s) or entity for any reason; and
  • Terminate an existing subscription to the Site and/or Services for just cause as CSCS may determine is appropriate in its sole and absolute discretion.

By using the Site and/or Services, you agree to be bound by the TOU as in effect from time to time. Any changes to the TOU will be effective five (5) days after the changes are posted on the Site. Your use of the Site after such posting will be deemed acceptance of such changes. Please review the TOU regularly for any amendments or revisions.

3. IMPORTANT SECURITIES DISCLAIMERS

By using the Site and/or Services, you hereby acknowledge and agree that CSCS is solely a publisher. CSCS is not registered as a securities broker-dealer or as an investment advisor either with the U.S. Securities and Exchange Commission or with any state securities regulatory authority. Likewise, the owners and/or employees of CSCS are not registered as securities broker-dealers or as investment advisors either with the U.S. Securities and Exchange Commission or with any state securities regulatory authority.

By using the Site and/or Services, you further warrant and represent that you understand that no content published on the Site or in connection with the Services constitutes a recommendation that any particular security, portfolio of securities, transaction or investment strategy is suitable for you or any other person. You further warrant and represent that you understand that CSCS, its owners, employees, and affiliates will not advise you personally concerning the nature, potential, value or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter. The Site and the Services are intended to provide opinions and analysis of stocks and markets, but are not intended to provide personalized investment advice. DO NOT E-MAIL CSCS SEEKING PERSONALIZED INVESTMENT ADVICE, WHICH CANNOT AND WILL NOT BE PROVIDED. You should consult a licensed professional broker regarding your personal investments.

The material provided on our Site is for general informational purposes only. Under no circumstances shall any of the content published on the Site or in connection with the Services be deemed to be investment advice or a recommendation to buy or sell stocks, options, and/or any other securities. All writings and information generated by CSCS provide only educational information as to the equity and option markets and are not a solicitation for transactions of any kind. No information on the Site is intended as securities brokerage, investment, tax, accounting or legal advice, as an offer or solicitation of an offer to sell or buy, or as an endorsement, recommendation or sponsorship of any company, security, or fund.

The information on the Site should not be relied upon for purposes of transacting securities or other investments. CSCS cannot and does not assess, verify or guarantee the adequacy, accuracy or completeness of any information, the suitability or profitability of any particular investment, or the potential value of any investment or informational source. You bear sole responsibility for your own investment research and decisions, and should seek the advice of a qualified broker or other securities professional before making any investment. Any sale or purchase of securities or ownership interest that results from information presented on the Site will not include any additional participation by or remuneration to CSCS.

The information provided by CSCS is obtained from sources CSCS deems reliable, but is not guaranteed in any respect, including as to accuracy or completeness. You acknowledge and understand that CSCS does not guarantee the completeness, accuracy, or any other aspect of the information provided on the Site or in connection with the Services. Performance data is supplied to CSCS by sources believed to be reliable and the calculations on the Site and provided in connection with the Services are made using such data; however, you acknowledge and understand that such calculations are not guaranteed by these sources, the information providers, CSCS, or any other person or entity, and may not be complete or accurate. You acknowledge and understand that you should independently verify all information provided on the Site or in connection to the Services.

You acknowledge and understand that CSCS may buy and/or sell securities that are the subject of and/or referred to on or in the Site or Services, including the member’s only section of the Site, both before and/or after such content is published, and the positions of these securities may change at any time. From time to time, reference may be made in CSCS’s marketing materials to prior articles and opinions CSCS has published. These references may be selective, may reference only a portion of an article or recommendation, and are likely not to be current. As markets change continuously, previously published information and data may not be current and should not be relied upon.
All stock and/or option transactions have important tax considerations. You should consult your tax advisor prior to entering into any stock and/or option transaction. CSCS does not provide tax advice. Should CSCS ever suggest or mention anything tax related it is simply CSCS’s opinion and in no way constitutes or implies that CSCS is giving tax advice.

You hereby acknowledge and agree that stock and option transactions involve risk and are not suitable for all persons. Any securities and/or other transactions discussed on the Site or in connection with the Services should be considered speculative, with a high degree of volatility and risk. It should not be assumed that the ideas, strategies, and/or information provided on the Site or in connection with the Services will be profitable or that they will not result in losses. You hereby acknowledge and agree that past performance does not guarantee future results.

CSCS does not accept any liability for any loss or damage whatsoever that may directly or indirectly result from any advice, opinion, information, representation or omission, whether negligent or otherwise, contained in the trading signals or in any accompanying chart analysis, whether communicated by word or message, typed or spoken by CSCS. CSCS sends varying amounts of advisories to its subscribers each week via email at varying times of the day depending on market conditions. The Site will also reflect those advisories. CSCS is not responsible for loss of trading information such as CSCS trade signals sent to subscriber by email caused by poor Internet connection, no Internet access, network/server delays, or any other communication problems. Trading signals are only a display of what CSCS trades, what you do with that information is up to you. You have the final decision if you decide to follow CSCS, and if so, you do so at your own risk.
Prior to buying or selling an option, a person must receive a copy of “CHARACTERISTICS AND RISKS OF STANDARDIZED OPTIONS” available from your investment broker, or by calling 1-888-OPTIONS1-888-OPTIONS, or by clicking www.cboe.com/Resources/Intro.aspx, or from The Options Clearing Corporation, One North Wacker Drive, Suite 500, Chicago, Illinois 60606. CSCS is not responsible for ensuring that you receive or read such publication.

For more information on the risks associated with securities transactions and your use of the Site and/or Services, please see our Risk Disclosure, the terms of which are incorporated herein by reference.

4. CSCS’S INTELLECTUAL PROPERTY RIGHTS

Except as otherwise indicated, the Site, the content contained therein, and any other content provided in connection with the Services (collectively, the “Materials”), including, but not limited to, the text, information, material, software, audio clips, videos, digital downloads, data compilations, and graphics contained on the Site, are owned by CSCS or its suppliers/licensors and are protected by copyright, trademark, and other intellectual property laws and treaties. CSCS makes no proprietary claim to any third party names, trademarks or service marks appearing on the Site or in connection with the Services. Any third party names, trademarks, and service marks are the properties of their respective owners.

Except as otherwise provided herein, the Materials may not be copied, reproduced, modified, published, uploaded, downloaded, posted, transmitted, or distributed in any way, without CSCS’s prior written permission. You may download one (1) copy of the Materials on a single computer only for your personal, non-commercial, internal use. You may not (i) modify the Materials or use them for any commercial purpose, or any other public display, performance, sale, or rental, (ii) decompile, reverse engineer, or disassemble software materials, (iii) remove any copyright notice or other proprietary notices from the Materials, or (iv) transfer the materials to any other person.

By posting a message or contributing in any way to the Site, including, but not limited to, sending comments and e-mail, to the Site or CSCS, you expressly grant CSCS the right to use in any way, copy, republish, or sell your message or other contribution as part of its property. CSCS reserves the right to change, update, discontinue, or restrict or prevent access to the Materials at any time without notice. By using the Site and/or Services, you understand and acknowledge that you do not acquire any ownership rights to any content generated or provided by CSCS.

5. SUBSCRIPTION TO CSCS’S SERVICES

To have access to certain members-only sections of the Site or to receive other services, you must be or become a member. When and if you register to become a member, you agree to (a) provide accurate, current, and complete information about yourself as prompted by the appropriate registration form, and (b) to maintain and update your information to keep it accurate, current, and complete. You acknowledge that if any information provided by you is untrue, inaccurate, not current, or incomplete, CSCS reserves the right to terminate your subscription and your use of the Site and Services.

As part of the registration process, you will also be asked to select a username and password. CSCS may refuse to grant you a username that impersonates someone else, is or may be illegal, is or may be protected by trademark or other proprietary rights, is vulgar or otherwise offensive, or may cause confusion, as determined by CSCS in its sole discretion. If you have reason to believe that your account is no longer secure, you must promptly change your password by updating your account information, and immediately notify CSCS.

YOU ARE SOLELY RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF YOUR USERNAME AND PASSWORD AND FOR ANY AND ALL ACTIVITIES (INCLUDING PURCHASES) THAT ARE CONDUCTED THROUGH YOUR ACCOUNT. By subscribing to the Services, you agree to accept responsibility for all activities that occur under your subscription account or password.

Payment for the subscription(s) will be made on the date you place your order for the Services. The subscription term(s) will commence on the date you register for the Services and continue until terminated as provided below. The term of your Services will depend on the subscription option you select during registration. Current subscription rates are available on the Subscription page. You will pay for your subscription to the services on a monthly, quarterly, or annual basis. CSCS reserves the right to refuse its services to anyone, either current subscriber or potential subscriber, with or without any reasons. CSCS reserves the right to immediately cancel any subscription when a dispute or chargeback is filed on a previous payment, without refunding any unused portion. CSCS does not refund any payments (used or unused) for the services subscribed by you.

Your subscription(s) will renew automatically every month, every quarter, or every twelve months according to the payment plan you agreed to and authorized at the time of purchase, unless you notify CSCS 5 days prior to each subscription renewal of your decision not to renew your subscription pursuant to the provisions set forth herein below. If you do not notify CSCS, the then-applicable subscription fee(s) will be billed automatically to the credit card then designated on CSCS’s records for the next subscription term of service period.

6. TERMINATION, CANCELLATION, AND REFUND POLICY

By using the Site and/or Services, you hereby warrant and represent that you understand and agree that CSCS may, for any reason and without prior notice to you, terminate your access to and use of the Site and/or the Services or any portion thereof. Cause for such termination shall include, but not be limited to, (i) breaches or violations of the TOU or other agreements or guidelines, (ii) requests by law enforcement or other government or regulatory authorities, or (iii) technical difficulties. Your subscription shall remain effective until terminated in accordance with this TOU.

All subscriptions offered by CSCS are recurring subscriptions, which means your subscription will automatically renew unless you cancel the subscription as provided herein. When you’re an active subscriber either unsubscribing from our email distribution list or canceling your auto trade will not be interpreted as a desire to cancel your subscription. There are only two ways in which to cancel your subscription. You can cancel your subscription at any time by either clicking the “Cancel” button on the Web Site or by notifying CSCS via email that you would like to cancel your subscription. To cancel your subscription via email, simply send us an email and put “CANCEL MY SUBSCRIPTION” at the top of the message.

To ensure that you are not automatically charged for another billing cycle, you must cancel your subscription at least 5 days prior to your renewal date. If you fail to cancel your subscription 5 days or more before your renewal date, then you may be automatically charged for a renewal of your subscription regardless of your cancellation.

Your cancellation becomes effective upon the end of the last day of your current subscription. You will not be removed from CSCS’s system immediately upon cancelling if you still have time left on your subscription; instead, you will continue to have access to the Site and receive emails and other Services from CSCS until the expiration of your subscription. For example, if you cancel while you still have 22 days left on your subscription, you will still have access to the Site and Services for the next 22 days. If you would like to opt out of receiving emails and/or other communications from CSCS prior to the expiration of your subscription, simply send CSCS an email stating you wish to opt out now. CSCS will then use best efforts to ensure that you stop receiving emails within a reasonable time of receiving your request.

CSCS reserves the right to refuse services to anyone, either current subscriber or potential subscriber, with or without any reason. CSCS further reserves the right to immediately cancel any subscription when a dispute or chargeback is filed on a previous payment, without refunding any unused portion.

Any trial period offered by CSCS will automatically convert into a recurring subscription at the then current rate unless you either cancel your subscription at least 5 days prior to the end of your trial period or enroll in a longer-term subscription prior to the end of your trial. All subscriptions recur automatically which means they automatically renew for the same term (month-to-month, quarterly, annually, etc.) unless you cancel your subscription at least 5 days prior to the end of your current subscription period in accordance with the terms of the Termination, Cancellation & Refund Policy.

CSCS DOES NOT PROVIDE ANY REFUNDS OF ANY KIND, WHETHER FULL, PARTIAL, PRO-RATED OR OTHERWISE.

CSCS offers long-term subscription options in order to provide a better value for its customers. However, if you are a new subscriber or if your financial and/or trading future is uncertain, CSCS encourages you to start with a short-term subscription option, such as the month-to-month subscription option. Only once you are comfortable with the Services should you consider one of CSCS’s long-term subscription options.

7. USER CONDUCT

All information contained on the Site and/or provided in connection with the Services is intended for use only by the subscribed member whose name appears on CSCS’s records. You hereby warrant and represent that you will not share any such information with any third party in any form without written consent from CSCS. Passwords and user names provided by CSCS to you are for your use only and you agree that you will not share your passwords and user names with any third party. You hereby agree that excessive or simultaneous account log-ins from different IP addresses may result in termination of your access to the Site or Services without refund. Redistribution of any information, in whole or part, provided by CSCS is strictly prohibited.

You hereby warrant and represent that you shall not and will not republish, upload, post, transmit or distribute content from the Site or the Services to online bulletin boards, newsgroups, other newsletters, chat rooms, or any other forums in any other 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 Site and the Services, you agree not to:

  • Restrict or inhibit any other person from using the Site or the Services, including, without limitation, by means of “hacking,” “cracking,” or defacing any portion of the Site or the Services;
  • Use the Site and/or the Services for any unlawful purpose;
  • Express or imply that any statements you make are endorsed by CSCS;
  • Modify, adapt, translate, sell, reverse engineer, decompile or disassemble any portion of the Site or the Services;
  • “Frame” or “mirror” any part of the Site 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 Site or its contents;
  • Harvest or collect information about visitors to the Site without their express consent;
  • Intentionally re-register for multiple free trials to the same publication under different email addresses as a means to avoid paying for any Service;
  • Transmit (a) any content or information that is unlawful, fraudulent, threatening, harassing, abusive, libelous, defamatory, obscene or otherwise objectionable, or infringes on our or any third party’s intellectual property or other rights; (b) any material, non-public information about companies without the authorization to do so; (c) any trade secret of any third party; or (d) any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities, or other unsolicited commercial communication;
  • Engage in spamming or flooding;
  • Transmit any software or other materials that contain any virus, worm, time bomb, Trojan horse, or other harmful or disruptive component;
  • Remove any copyright, trademark, or other proprietary rights notices contained in the Site;
  • Permit anyone else whose account or subscription was terminated or who has not registered with CSCS to use any portion of the Site and/or Service through your subscription, username or password.

By using the Site and/or the Services, you also agree to comply with all applicable laws, rules and regulations in connection with your use of the Site, the Services, and/or the content made available therein or thereby.
Your use of the Forum is subject to all applicable provisions of these Terms of Use in addition to the Forum Rules posted on the Forum webpage. CSCS makes the Forum available to You for personal use only and CSCS specifically disclaims liability or responsibility of any kind as to anything posted on the Forum by anyone other than CSCS, it being acknowledged by You that any Forum posts are the opinions or advice of other subscribers and not those of CSCS. USE OF THE FORUM AND RELIANCE ON ANYTHING POSTED THEREON IS AT YOUR OWN RISK.

8. LINKS TO THIRD-PARTY SITES

The Site may contain links to other Internet web sites or resources. These links are provided for convenience purposes only. CSCS neither controls nor endorses such other web sites, nor has CSCS reviewed or approved any content that appears on such other web sites. You acknowledge and agree that CSCS 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.

CSCS does not make any representations and warranties, express or implied, regarding the content of any of these linked sites. These links do not constitute or imply an endorsement, authorization, sponsorship or affiliation by CSCS with respect to any third party, any third party’s website, the content of any third party’s website, or any products or services provided by a third party.

9. DISCLAIMER OF WARRANTIES

THE SITE, THE SERVICES, THEIR CONTENTS, AND ANY PRODUCT OR SERVICE OBTAINED OR ACCESSED THROUGH THE SITE OR THE SERVICES, ARE PROVIDED “AS IS” AND WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT OF INTELLECTUAL PROPERTY, AND FREEDOM FROM ERRORS, VIRUSES, BUGS, OR OTHER HARMFUL COMPONENTS. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, CSCS, ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, 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, AND ALL WARRANTIES RELATING TO THE ADEQUACY, ACCURACY OR COMPLETENESS OF ANY INFORMATION ON THE SITE OR PROVIDED IN CONNECTION WITH THE SERVICES.

A possibility exists that the Site could include inaccuracies or errors, or materials that violate the TOU. Additionally, a possibility exists that unauthorized alterations could be made to the Site by third parties. Although CSCS attempts to ensure the integrity of the Site and the Services, CSCS makes no guarantees as to the completeness or correctness of any content on the Site or provided in connection with the Services. In the event that such a situation arises, please contact CSCS with, if possible, a description of the material to be checked and the location (URL) where such material can be found on the Site, if applicable, as well as information sufficient to enable CSCS to contact you. CSCS will try to address your concerns as soon as reasonably practicable. For copyright infringement claims, see the section on “Copyright Infringement” below.

CSCS and its affiliates, suppliers, agents and sponsors do not warrant that your use of the Site and/or Services will be uninterrupted, error-free, or secure, that defects will be corrected, or that the site or the server(s) on which the site 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 Site and/or Services, and all charges related thereto. You assume total responsibility and risk for your use of the Site and/or Services and your reliance thereon. No opinion or statement of CSCS or its affiliates, suppliers, agents, members, or visitors, whether made on the site or otherwise, shall create any warranty. Your use of the Site and/or Services and any materials provided through the Site and/or Services are entirely at your own risk.

10. LIMITATION OF LIABILITY

BY USING THE SITE AND/OR SUBSCRIBING TO THE SERVICES, YOU ASSUME ALL RESPONSIBILITY AND RISK FOR THE USE OF THE SITE AND/OR SERVICES, AS WELL AS THE INTERNET GENERALLY. NEITHER CSCS, NOR ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AFFILIATES, SUPPLIERS, ADVERTISERS, AGENTS OR SPONSORS ARE RESPONSIBLE OR LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR OTHER DAMAGES UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY OR OTHER THEORY ARISING OUT OF OR RELATING IN ANY WAY TO THE SITE, THE SERVICES AND/OR ANY CONTENT CONTAINED THEREIN OR PROVIDED IN CONNECTION THEREWITH, OR ANY PRODUCT OR SERVICE USED OR PURCHASED THROUGH CSCS. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE AND/OR SERVICES IS TO STOP USING THE SITE AND/OR SERVICES. BY AGREEING TO THE TOU, YOU HEREBY UNDERSTAND, ACKNOWLEDGE, AND AGREE THAT THE SOLE AND EXCLUSIVE MAXIMUM LIABILITY OF CSCS TO YOU 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 SITE AND/OR THE SERVICES.

IN NO EVENT SHALL CSCS BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING WITHOUT LIMITATION ANY SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES, AND DAMAGES RESULTING FROM LOSS OF USE, DATA, OR PROFITS, OR BUSINESS INTERRUPTION) ARISING OUT OF THE USE OF OR INABILITY TO USE THE MATERIALS OR ANY HYPERLINKED WEBSITE, EVEN IF CSCS OR ITS AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11. INDEMNIFICATION

You hereby agree to indemnify, defend and hold CSCS, its officers, directors, employees, independent contractors, agents, and representatives harmless from and against any and all claims, damages, losses, costs (including reasonable attorneys’ fees), or other expenses that arise directly or indirectly out of or from (a) your violation of the TOU; (b) your use of the Site; (c) your use of the Services; (d) your violation of the rights of any third party; (e) your activities in connection with the Site and/or Services; and/or (f) any content you submit, post, transmit, or make available through the Site and/or Service.

12. 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. If you believe in good faith that materials hosted by CSCS or one of its subsidiaries infringe your copyright, you (or your agent) may send us a notice requesting that the material be removed, or access to it blocked. If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send us a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA; for details please visit http://www.loc.gov/copyright/. Notices and counter-notices hereunder should be submitted here: contact form. CSCS suggests that you consult your legal advisor before filing a notice or counter-notice. Also, be aware that there can be penalties for false claims under the DMCA.

13. PRIVACY

CSCS’s policy with respect to the collection and use of your personal information is set forth in the Privacy Policy. Please review the Privacy Policy. By using the Site and/or Services, you agree to be bound by the terms set forth in the Privacy Policy, which are incorporated herein by reference.

14. SUBMISSIONS

You may submit comments and provide other content so long as the content is not obscene, illegal, threatening, or defamatory and so long as the content does not invade the privacy or infringe the intellectual property of a third party. Further, such content may not contain software viruses, mass mailings, chain letters, or any form of “spam.” You may not use a false e-mail address, impersonate any person or entity, or otherwise mislead as to the origin of the information.

By sending or transmitting to CSCS creative suggestions, ideas, notes, concepts, information, or other materials, you grant CSCS and its 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 materials in any media now known or hereafter developed, for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the materials.

By submitting information you also represent and warrant that the content is accurate; you own or have permission to use the content that you submit; and your use of the content will not cause injury to any person or entity. CSCS takes no responsibility and assumes no liability for any content posted by you or any third party.

15. GOVERNING LAW AND JURISDICTION

The TOU shall be governed by and construed in accordance with the laws of the United States of America and the State of Ohio, without giving effect to any choice of law or conflict of law provision or rule (whether of the State of Ohio or any other jurisdiction) that would cause the application of the laws of any jurisdiction other than the United States or the State of Ohio. By using the Site and/or Services, you consent to the jurisdiction of the state and federal courts of Franklin County, Ohio, U.S.A. for any action or proceeding arising under or relating to the TOU, the Site, the Service and/or any matter related thereto. Any legal action or proceeding relating to your access to or use of the Service must be instituted in a state or federal court in the state of Ohio, county of Franklin and you expressly consent to the jurisdiction of these Ohio courts.

The Site is solely directed to individuals residing in the United States. CSCS makes no representation that materials in or related to the Site are appropriate or available for use in other locations. Those who choose to access the Site 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.

16. MISCELLANEOUS

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

If there is a determination that any provision of these Terms of Use is invalid or unenforceable, that determination will not affect the rest of the Terms of Use and the Terms of Use shall be deemed amended to the minimum extent necessary to make them valid and enforceable.

The rights and responsibilities hereunder are not assignable, transferable or sub-licensable by you except with CSCS’s prior written consent.

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 herein is inserted only as a matter of convenience and in no way defines or explains any section or provision hereof.

This, together with all the CSCS policies referred to herein, constitutes the entire agreement between the parties relating to the subject matter herein and supersedes any and all prior or contemporaneous written or oral agreements.

If you have any questions or concerns regarding the Terms of Use, please contact Credit Spread Cheat Sheet, LLC here