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You also agree not to use the Services or Site for any unlawful purpose. Violation of the restrictions on use might cause financial harm to Risk Advisors for which you will be held liable. You agree to comply with reasonable written requests by Risk Advisors to protect Risk Advisors' rights in the Content. Requests to use the Content for any purpose other than as permitted in this paragraph should be directed to info riskadvisorsinc.

Modification of the Content or use of the Content for any purpose other than your own personal use is a violation of Risk Advisors' copyright and other proprietary rights, and could subject you to legal liability. You also agree to comply with all applicable laws, rules, and regulations in connection with your use of the Site and the content made available therein.

You acknowledge and agree that as between you and Risk Advisors, Risk Advisors owns all intellectual property rights in the Content except as specifically stated in these Terms. During the term of your subscription, you are granted limited, non-exclusive access to select portions of the Content as detailed in your subscription solely for your personal use.

No license or other rights under any such intellectual property rights are implied or granted under these Terms other than the licenses expressly set forth in these Terms and all other rights are expressly reserved hereunder. You grant Risk Advisors the perpetual right and royalty-free license to allow its employees, subcontractors, and agents to use, copy, or modify any data they may collect through your use of the Services i to the extent reasonably required to provide the Services and ii to create derived data for Risk Advisors benefit.

We may collect personal, aggregate, and anonymous data from your use of the Site and Services. Any information that Risk Advisors collects through your use of the Site and Services shall be subject to the Privacy Policy and you should review those policies. You agree that Risk Advisors in its sole discretion may use or incorporate into its Content any suggestions, ideas, enhancement requests, feedback, recommendations, or other information provided by you or your administrators or other personnel relating to the Services or the Software.

Any such suggestions shall not be deemed to constitute confidential information or to impose any confidentiality obligations on Risk Advisors. You hereby grant to Risk Advisors and its assigns a royalty-free, worldwide, perpetual, irrevocable, fully transferable and sub-licensable right and license to use, disclose, reproduce, modify, create derivative works from, distribute, display or otherwise distribute and exploit any such suggestions as Risk Advisors sees fit, entirely without obligation or restriction of any kind on account of intellectual property rights or otherwise.

You agree not to disclose such Confidential Information to third parties without prior written consent of Risk Advisors and not to use such Confidential Information for any purpose except as expressly permitted hereunder. Notwithstanding the foregoing, you may disclose Confidential Information to the extent required by law.

However, you will give Risk Advisor prompt notice to allow Risk Advisor a reasonable opportunity to obtain a protective order. Such Confidential Information disclosed to the extent required by law shall otherwise remain confidential and subject to the protections and obligations of these Terms. Risk Advisors agrees that the foregoing obligations shall not apply with respect to any information that you can document a is publicly known through no fault of you, b is demonstrably known to you previously with no obligation to hold it in confidence, c is independently developed by you without use of or recourse to the Confidential Information, provided that such independent development is contemporaneously documented in writing; or d is rightfully obtained by you from a third-party without, to your knowledge, a direct or indirect obligation of confidentiality.

Upon expiration or termination of these Terms for any reason, you shall promptly return to Risk Advisors or destroy all copies of Risk Advisors' Confidential Information and copies, notes, or other derivative material relating to the Confidential Information. Risk Advisors is not providing investment, business, tax, or legal advice. It is not acting as a fiduciary or endorsing any company, property, product, service, security, instrument, or any other matter by posting any participant-submitted information on the Site.

Risk Advisors shall not be responsible for any investment, business, tax, or legal recommendations or opinions of third parties cited by the Services or in Information contained therein. Risk Advisors does not purport to tell you, or suggest to you, what you should buy or sell for yourself or your company. Neither Risk Advisors nor anyone affiliated with Risk Advisors is responsible for any investment decision made by you on the basis of using the Site.

You should always check with your licensed financial and tax advisor to determine the suitability of any investment. Please conduct your own due diligence. Any opinions concerning securities, portfolio of securities, transactions, and investment strategy that may be on the Site are solely the opinions of their author, and none of the information contained therein constitutes a recommendation by them or Risk Advisors that any particular security, portfolio of securities, transaction, or investment strategy is suitable for any specific person.

Further, such information is impersonal and not tailored to the investment needs of any specific person. Finally, the passage of time can render all information stale, and neither Risk Advisors nor anyone affiliated with Risk Advisors is responsible for any misconceptions that may result from the reading of dated information.

The information posted on the Site: i is not, and should not be deemed, an offer to sell, or a solicitation of an offer to buy, any securities or any other instruments, property, or anything of value by anyone in any jurisdiction; and ii should not be used by others in connection with any sale, offer for sale, or solicitation of an offer to buy securities or any other instruments, property, or anything of value.

All Information provided through the Services, or otherwise made available on or through the Site, is gathered from sources that Risk Advisors believes are reliable; however, Risk Advisors does not warrant the accuracy, completeness, or timeliness of the Information. There may be delays, omissions, or inaccuracies in the Information.

You agree that Risk Advisors shall have no liability, contingent or otherwise, for the accuracy, completeness, or timeliness of the Information, or for any decision made or action taken by you in reliance upon the Information. Risk Advisors and its vendors make no guarantees as to the availability, timeliness, or accuracy of such content, quotes, or charts. Your use of such quotes and charts is subject to these warranty disclaimers and the limitation of liability set forth below. Users are solely responsible for the content of any messages they post on bulletin boards, chat rooms, discussion boards, or other communications devices as may be provided by the Site or the Services from time to time, as well as for the consequences of any such messages.

Risk Advisors accepts no responsibility whatsoever in connection with or arising from such messages. Risk Advisors has no control over nor does it endorse such messages. The messages are not reviewed by Risk Advisors prior to posting and do not necessarily reflect the policies and opinions of Risk Advisors. You acknowledge that Risk Advisors makes no warranties, express, or implied, as to the contents, accuracy, or reliability of the messages or any other posted information.

You agree not to use the Site or the Services for chain letters, junk mail, "spamming," or commercial solicitations, and not to send any message or material that is unlawful or gives rise to civil liability. All such communications through the Services are public and not private communications. Risk Advisors reserves the right to edit, restrict, and or remove in whole or part such communications for any reason or no reason without any liability whatsoever to the User.

Risk Advisors has business relationships with other companies including, but not limited to technology vendors, third-party data providers, and banks. There may be instances in which Risk Advisors publishes an article or an individual posts a comment on the Site which recommends a company with which Risk Advisors has a business relationship. These occurrences are unintentional and coincidental.

If Risk Advisors publishes articles submitted by research firms or third-party authors, Risk Advisors disclaims all responsibility and shall have no liability for any failures of disclosure by authors regarding their company relationships. Risk Advisors cares about the privacy of its users.

Your Personal Data may be stored and processed in the United States or in any other country where Risk Advisors has facilities. By using this Site or the Services, you consent to the transfer of your Personal Data outside of your country. If you are a resident of the European Union, you consent to such information being onward transferred, processed, and used by Risk Advisors in accordance with the Risk Advisors Privacy Policy.

If you have not already read Risk Advisors' Privacy Policy, you should do so now. Risk Advisors will defend any third-party claim or action brought against you to the extent based on the allegation that the Service infringes any intellectual property right patents, utility models, design rights, copyrights, trademarks, or any other intellectual property right having effect in the United States, and Risk Advisors will pay any settlements that Risk Advisors agrees to in a writing signed by an authorized officer of Risk Advisors or final judgments awarded to the third-party claimant by a court of competent jurisdiction.

The foregoing obligations do not apply with respect to the Service, the software, or portions or components of either a not provided by Risk Advisors, b combined with other products, processes, or materials that are not reasonably contemplated by the documentation where the alleged infringement relates to such combination or c where your use of the Service is not strictly in accordance with these Terms or the published documentation.

The provisions of Sections: 3,-5, , and shall survive the termination of these Terms. These Terms shall be deemed to include all other notices, policies, disclaimers, and other terms contained in this Site; provided, however, that in the event of a conflict between such other terms and these Terms, these Terms shall control. Notwithstanding the foregoing, if you are an authorized subscription employee under a valid written corporate license Terms between Risk Advisors and your employer, the terms of use in that Group License User Terms may provide for different or additional rights and obligations which shall govern in the case of a conflict between those terms and this online TOU.

The Terms have been made in and shall be construed and enforced in accordance with New York law. Any action to enforce the Terms shall be brought in the federal or state courts located in New York State. If any provision is deemed to be unlawful or unenforceable, that shall not affect the validity and enforceability of the remaining provisions.

Any failure of Risk Advisors to enforce or exercise any provision of the Terms or related right shall not constitute a waiver of that right or provision. The section titles used in the Terms are purely for convenience and carry with them no legal or contractual effect. Risk Advisors Inc. The Site may contain links to third-party sites, which are not subject to this Privacy Policy.

We recommend that you read the privacy policy of any such sites that you visit. By using our Site or registering to use the Site, you are consenting to the personal information collection, use, andxz sharing practices described in this Privacy Policy. Personal Information means any information that may be used to identify an individual which because of name, personal profile, contact information, number, symbol, mark, email address, home or other physical address, or other identifier, can be used to identify that individual.

When you visit our Site, you may provide us with personal information you knowingly choose to disclose that is collected on an individual basis and information that is aggregated or anonymized as you and others use our Site. We collect IP addresses for Site security and to help us understand how people use the Site so that we can improve the Site and our users' respective experiences.

For similar quality reasons, we use a feature known as a "cookie. Cookies can make the Web more convenient by storing information about your preferences on a site. Although we may assign your browser a cookie, the cookie does not tell us who you are.

Only you can tell us that. Besides cookies, we may also use tiny electronic images called "single-pixel GIFs" or "Web beacons" , which allow us to count users who have visited specific pages or access certain cookies. We may use single-pixel GIFs in the following ways:.

Third parties may also use single-pixel GIFs as part of their publications available on our Site. In general, any electronic image viewed as part of a Web page can act as a Web beacon. We also use server logs and Web traffic analytic services to collect information about how our Site is used. The information collected may include the time, date, and page views.

We collect specific data about your use of our publications, including the pages accessed by your username and when you accessed them. This information is used to confirm compliance both with your specific subscription plan and with our third party data providers. The usage information also allows us to ensure that the information we are providing is what our users want.

We record user submitted information in the in-line email system in order to handle with any issues in the data submitted by you. We have a record of your responses in a database. That information may include: first and last name, phone number, email address, and any comment you have entered into the form.

If you become a registered User, we need to collect registration and billing information. To register for an account, we collect information such as your username, password, and email address. If you provide us with a billing address, we may infer that it may be your residence. If you register using a third party account such as LinkedIn, Facebook, or Google, then we will collect data and information from such parties if you give permission to those third parties to share your information with us.

We or a third-party billing service may collect billing information for you such as your name, address, email address, and the financial information needed to process your method of payment e. If you send us email, we may retain the content of your messages together with your email address and our responses.

These will be subject to our normal email retention policies for such communications. We collect data from the applications and devices that you are using to access our site. This may include your IP address and browser which may also allow us to infer your geographic location.

If you use a third party source that refers you to our site through an email or a link on another website, we may record information about the third party source that referred you. We operate our sites in compliance with the Children's Online Privacy Protection Act and it is our policy not to knowingly collect or use personally identifiable information from anyone under However, you should be aware that we assume that any communications submitted through email or an online transaction are from an adult.

We use the Personal Information that you provide to us in different ways. You agree that we may use your Personal Information to:. Occasionally, we may conduct user surveys to learn how we can better serve you. These surveys are optional and if you choose to respond, your responses will be kept anonymous.

The demographic information we collect in the registration process and through surveys is used to help us improve our services. We disclose your Personal Information to third parties for many reasons. Most commonly, we share your Personal Information to third parties so that they can provide services to you.

We have in place reasonable contractual protections to ensure the confidentiality of your Personal Information to such entities. For example, we may disclose your Personal Information to our billing service providers so they may contact you when your subscription is due for renewal or in case you need to communicate with them regarding any issues with your account.

By using the service, you are consenting to the disclosure of your Personal Information to such service providers. We also provide your Personal Information when we have your consent for a specific reason such as processing a credit card payment with a credit card service company for your subscription registration.

We may choose to make certain offers or services available to our users from third parties. If we do, during the registration process and at certain points thereafter in connection with specific offers we may ask you whether your Personal Information may be sent to third parties who have products, services and opportunities which may be useful to you.

If you give your permission to allow third parties to contact you, your Personal Information such as your contact information and other information collected during your visit to our Site may be shared with data aggregators, marketers possibly in the form of list rental , and other organizations. If you agree to allow a third-party to contact you for marketing purposes through our Site, you may later revoke such permission; however, if you want the third party to stop sending you marketing communications, you will need to contact the third party directly.

We may share aggregated or anonymized Personal Information with third parties to i improve our services, ii promote our services, or iii offer new services, analytical tools, or data. We may also share broad aggregate demographic data and related usage information with our business partners. This aggregate information does not contain any Personal Information that can identify an individual user.

Although advertisers may display advertisements of our services on other websites and we may request that they deliver those advertisements based on the presence of a cookie, we will not share any other information with the advertiser.

If your employer has subscribed on your behalf, your employer may provide us with limited Personal Information to enable your access. Your employer may also require us to provide information about your use of the services, for example how often you use the subscription that they have purchased for you. Under such circumstances, we may provide your employer with such personally identifiable information.

We may also contact your employer if we have any issues with your compliance with the Terms of Use. Risk Advisors may share your information if all or substantially all of our assets are acquired by or merged with another company, our company is reorganized, or our business changes. Under such circumstances, you expressly consent to Risk Advisors transferring your Personal Information to the new owner or successor entity so that it may continue to provide you with services.

Where applicable, Risk Advisors will notify the appropriate agencies of such a transfer to comply with applicable data protection and privacy laws. Risk Advisors does not intend to transfer Personal Information without your consent to third parties who are not bound to act on Risk Advisors' behalf unless such transfer is legally required We may disclose your Personal Information if we have a good faith belief that disclosure of such information is helpful or reasonably necessary to i comply with any applicable law, regulation, legal process or governmental request, ii enforce our Terms of Use including investigations of potential violations thereof, iii detect, prevent, or otherwise address fraud, security or technical issues, or iv protect against harm to the rights, property or safety of Risk Advisors, its users, yourself or the public.

Risk Advisors is committed to preventing the loss, misuse, and alteration of the personal information in our possession. However, as you know, third parties may unlawfully intercept or access transmissions or private communications, and other users may abuse or misuse Personal Information that they collect from the Site.

Therefore, although we work very hard to protect your privacy, we do not promise, and you should not expect, that your Personal Information or private communications will always remain private. If you are paying with a credit card, payment transactions are conducted in a Secure Socket Layer SSL session, which encrypts all transaction data for transmittal in a format that helps reduce the chance of theft of the information.

The website securely transmits your payment information to Stripe stripe. While on a secure page, most modern browsers will let you know that you are in a secured session. Our servers are located in a secure, supervised environment. Personalized areas of the Site are password-protected. Only you have access to these password-protected areas. Do not share your passwords with anyone.

Risk Advisors will never ask you for your password in an unsolicited phone call or email. If you are using a computer that others have access to, always remember to log out, clear the cache, and close your browser window when leaving the Site. Your Web browser or email application automatically provides your Internet Protocol address "IP address" to other computers with which you communicate over the Internet, so that they know where to send you information.

We receive an IP address each time you view one of our Web pages, because the browser automatically reports it to us. If you are a Registered User, we also may store the IP address when you register with Risk Advisors or utilize the Site to advertise your products. Most browsers are set up to accept cookies, but you can configure yours to refuse cookies or notify you when you've received one.

Browsers differ, so check your "Help" menu to learn how to change your cookie preferences. If you reject cookies on the Site, though, you may not be able to access some areas of the Site or use some of its features. While we do our best to protect Personal Information, Risk Advisors cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk.

If your password has been compromised for any reason, you should immediately notify us and change your password. Please be careful and responsible whenever you are online, especially when using a computer that other people can use also. Our third party service providers may link from the Site to areas on their own sites where they sell their own publications and services. If you follow links from our Site to others, you should be aware that you are doing business with those other sites, which have their own privacy and data collection practices.

Risk Advisors has no responsibility or liability for these independent policies and we may not even know what they are. Read more. BBB remains operational and focused on serving our business community and our consumers throughout this crisis. Please check out resources available to you at BBB. Some of the sources of information BBB relies on are temporarily unavailable.

Also, many businesses are closed, suspended, or not operating as usual, and are unable to respond to complaints and other requests. BBB information and Business Profiles reflect the most current information available to us.

We appreciate your patience as we and everyone in our communities focus on addressing this crisis. Business Profile. Reasons for BBB Rating. Need to file a complaint? BBB is here to help. What do you think? Be the first to review! BBB Business Profiles may not be reproduced for sales or promotional purposes. BBB Business Profiles are provided solely to assist you in exercising your own best judgment.

However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

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