General Your use of the Kiplinger.com website (the “Service”) is subject to the terms of a legal agreement (the “Agreement”) between you and The Kiplinger Washington Editors, Inc. (“Kiplinger”), whose principal place of business is 1100 13th Street, N.W., Suite 750 Washington, DC 20005 This Terms of Service sets forth how the Agreement is made up and also sets forth the terms of the Agreement Your Agreement with Kiplinger will also include the terms of any other FAQs, rules or policies applicable to the Service or any portion thereof which are accessible for you to read within the kiplinger.com website, including but not limited to the Forum FAQs, the Forum Rules and the Kiplinger Digital Millennium Copyright Act Policy This Agreement is a legally binding agreement between you and Kiplinger in relation to your use of the Service. Intellectual Property and Limitations on Use In order to use the Service, you must first agree to this Agreement You may not use the Service if you do not accept this Agreement You can accept the terms of this Agreement a) by clicking to accept or agree to this Agreement where this option is made available to you by Kiplinger in the user interface for any portion of the Service, or b) by actually using the Service in which case you understand and agree that Kiplinger will treat your use as acceptance of this Agreement from that point onwards You may not use the Service and may not accept this Agreement if you are not legally able to form a binding contract with Kiplinger or you are a person barred from using the Service under the laws of the United States Kiplinger may change the terms of this Agreement from time to time The changes will appear in these Terms of Service or in the applicable FAQs, rules or policies applicable to the Service, so be sure to check all of them periodically Your use of the Service after any change has been posted will constitute your agreement to the modified Agreement You acknowledge and agree that Kiplinger may stop providing the Service to you or to users generally at its sold discretion, without any prior notice to you. You agree to use the Service only for purposes that are permitted by this Agreement and by applicable law and regulations (including but not limited to laws regarding the export of data or software to and from the United States) You agree not to access or attempt to access the Service by any means other that through the interface provided by Kiplinger You specifically agree not to access or attempt to access the Service through any automated means You agree that you will not engage in any activity that interferes with or disrupts the Service or any network or servers connected to the Service You agree that the Service and the Content displayed on the Service may be used only for your personal and non-commercial use and may not be edited or modified for any purpose and that you will not reproduce, duplicate, copy, sell, trade or resell the Service or any portion thereof unless explicitly permitted to do so by this Agreement, a separate agreement with Kiplinger, or applicable law You agree that you are solely responsible for any breach by you of this Agreement and for any damages that may be caused by your breach of this Agreement. You agree and understand that you are solely responsible for maintaining the confidentiality of any password used in to access any portion of the Service and that you are solely responsible for any activity which occurs on any portion of the Service for which you have a password. The Service and the Content appearing on the Service (the “Content”) are the property of Kiplinger or its licensors and is protected by copyright and other intellectual property laws. You understand and agree that the Kiplinger (or Kiplinger’s licensors) own all legal right, title and interest in and to the Content appearing on the Service, including but not limited to intellectual property rights such as copyrights and trademarks You agree that nothing in this Agreement gives you any right to use any of the intellectual property available on the Service, including but not limited to the copyrighted Content, trademarks, servicemarks, logos and domain names. The Service includes the facts, views, opinions and recommendations of individuals and organizations deemed by Kiplinger and its licensors to be of interest Kiplinger and its licensors are not giving investment advice, legal advice or other professional advice Kiplinger and its licensors do not guarantee or warrant the accuracy, completeness or timeliness of, or otherwise endorse, these views, opinions and recommendations You should seek the assistance of a professional for advice on taxes, investments, law or other professional matters. The Service provides information designed to educate the general public This information does not take into account all of the unique circumstances which affect an individual’s decisions and nothing on the Service should be deemed personalized advice that is tailored to an individual’s needs Forums Certain areas of the Service permit you to access online Forums where you can post messages and read messages posted by others Kiplinger does not endorse and specifically disclaims any responsibility or liability for any content posted on a Forum By accessing a Forum and/or posting information on a Forum you agree to be bound by the Forum FAQs and Forum Rules which can be found at Forum Rules: and shall be deemed a part of this Agreement Kiplinger may change the terms of the Forum FAQs and Forum Rules from time to time The changes will appear in the Forum FAQs and Forum Rules, so be sure to check the Forum FAQs and Forum Rules periodically Your use of the Service after any change has been posted will constitute your agreement to the modified Forum FAQs and Forum Rules. Disclaimers of Warranties and Limitations on Liability There may be delays, omissions or inaccuracies in the Content provided via this Service The Service and the Content are provided on an “as is” basis without any express or implied warranties of any nature Kiplinger and its affiliates, agents and licensors do not warrant the accuracy, completeness, timeliness, non-infringement, title, merchantability or fitness for a particular purpose of the Content available through the Service and Kiplinger specifically disclaims and such express or implied warranties Kiplinger and its affiliates, agents, and licensors will not be liable to you or anyone else for any loss or injury, caused in whole or in part by their negligence of contingencies beyond their control in procuring, compiling, reporting interpreting or delivering the Service or the Content on the Service In no event will Kiplinger and its affiliates, agents, and licensors be liable to you or anyone else for any damages, including but not limited to consequential, special, indirect and incidental damages, other than direct damages, even if advised of the possibility of such damages. Links to Third Party Sites This Service may provide hyperlinks to web sites operated by persons and entities other than Kiplinger and such hyperlinks are provided only for your reference and convenience A hyperlink from this Service to another web site does not mean or imply that Kiplinger endorses either the operator of the hyper-linked web site or the content on such web site You are solely responsible for determining to extent to which you use any content on any web site to which you link from the Service and agree not to hold Kiplinger responsible for the content or operation of such web site. Kiplinger Digital Millennium Copyright Act Policy It is Kiplinger’s policy to respond to notices of alleged copyright infringement that comply with the applicable provisions of the Digital Millennium Copyright Act and to terminating the access to the Service of repeat infringers Details of Kiplinger’s copyright infringement policy can be found at Millenium Copyright act: and shall be deemed a part of this Agreement Kiplinger may change the terms of the Kiplinger Digital Millennium Copyright Act Policy from time to time The changes will appear in the Kiplinger Digital Millennium Copyright Act Policy, so be sure to check the Policy periodically Your use of the Service after any change has been posted will constitute your agreement to the modified Kiplinger Digital Millennium Copyright Act Policy Kiplinger cannot guarantee that any action will be taken in response to a notice of alleged copyright infringement. Miscellaneous Legal Provisions This Agreement, your rights and obligations and all actions contemplated by this Agreement will be governed by the laws of the United States and the District of Columbia, without regard to their conflict of laws policies This Agreement will not be governed by the United Nations Convention for the International Sale of Goods You agree that kiplinger.com will be deemed as being solely based in the District of Columbia, regardless of where you are while using or accessing the kiplinger.com web site or where any server used in connection with the storage and/or delivery of the Service is located, and that it constitutes a “Passive website” for purposes of personal jurisdiction under the Constitution of the United States and the statutes enacted by other jurisdictions You agree that a court of competent jurisdiction located in the District of Columbia will have exclusive jurisdiction over any dispute, cause of action or claim arising under or related to this Agreement, the Service or the Content on the Service If any part of this Agreement is deemed invalid by a court of competent jurisdiction, the remaining provisions will remain in full force and effect You agree that any dispute, cause of action or claim arising under or related to this Agreement, the Service or the Content on the Service must be filed within six months after the dispute, cause of action or claim arises, or else it will be permanently barred as untimely filed.