Terms and Conditions of Use

Welcome to IQCalculators.com, a product and service of IQ Calculators, LLC. IQ Calculators, LLC offers IQCalculators.com for use in accordance with these Terms and Conditions of Use ("Terms of Use" and/or "Agreement"). Please read this document carefully.

These rules and guidelines are intended to protect you and to ensure that IQCalculators.com is safe and productive for everybody. By agreeing to these terms, you're taking responsibility for your own actions. If you do not agree with these Terms of Use, your use of and access to this site is unauthorized. IQCalculators.com reserves the right to terminate your access to this service without notice if we learn that you have violated these Terms of Use.

Eligibility

You must be at least 18 years old, or the age of majority in your jurisdiction if that is older than 18, to use this site. By using IQCalculators.com, you represent that you meet this requirement.

Modification of These Terms and Conditions

IQCalculators.com shall have the right at any time to impose, change or modify the Terms and Conditions of Use of this web site, or any part thereof, at its sole discretion. Such changes, modifications, additions or deletions shall be effective immediately upon posting on the web site. You agree to review the terms and conditions periodically and be aware of such revisions. Your continued use of this site shall conclusively be deemed to constitute your acceptance of the modified Terms of Use.

Privacy Policy

Our policy with respect to the collection and use of personal information is set forth in our Privacy Policy.

Copyright

The content available through IQCalculators.com is the property of IQCalculators.com and is protected by copyright and other intellectual property laws. Content includes, without limitation, text, graphics, images, animations, computer programs, data, designs, logos, button icons, tools, calculators, and the arrangement, collection and assembly of the same.

Content received through IQCalculators.com may be displayed, reformatted and printed for your personal, non-commercial use only. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the content received through IQCalculators.com to anyone without the express prior written consent of IQCalculators.com, with this one exception: you may, on an occasional and irregular basis, disseminate an insubstantial portion of the content for a noncommercial purpose, without charge, provided you include all copyright and other proprietary rights notices in the same form in which they appear on IQCalculators.com, along with a source attribution link to the original page.

IQCalculators.com includes facts, views, opinions and recommendations about subjects, individuals and organizations deemed of interest. IQCalculators.com does not guarantee the accuracy, completeness or timeliness of these views, opinions or recommendations, give tax or investment advice, or advocate the purchase or sale of any security or investment.

Copyright Infringement Claims (DMCA)

We respect the intellectual property rights of others and expect users of this site to do the same. If you believe that content on IQCalculators.com infringes your copyright, you may submit a notice under the Digital Millennium Copyright Act (DMCA) to our designated agent at info@iqcalculators.com. Your notice should include: (1) a physical or electronic signature of the copyright owner or a person authorized to act on their behalf; (2) identification of the copyrighted work claimed to have been infringed; (3) identification of the material you claim is infringing and its location on the site; (4) your contact information, including address, telephone number and email address; (5) a statement that you have a good faith belief that use of the material is not authorized by the copyright owner, its agent or the law; and (6) a statement, made under penalty of perjury, that the above information is accurate and that you are the copyright owner or authorized to act on the owner's behalf. We will respond to valid notices in accordance with the DMCA, which may include removing or disabling access to the material in question.

Trademarks

"IQ Calculators" is a trademark of IQ Calculators, LLC. No license is granted with respect to this trademark in any manner or for any purpose.

Links

IQCalculators.com may contain links to other web sites or resources located throughout the Internet. We neither control nor endorse such other web sites, nor have we reviewed or approved any content or communications that appear on them. We make no guarantees as to their accuracy, currency, content or quality. You acknowledge and agree that we 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 web site, nor for any loss or damages caused or alleged to have been caused by the use of or reliance on any such content.

Code of Conduct

While using IQCalculators.com, you agree to comply with all applicable laws, rules and regulations. In addition, you specifically agree not to:

• Use the site for any unlawful purpose.
• Transmit any content or information that is unlawful, fraudulent, abusive, libelous, defamatory, obscene or otherwise objectionable, or infringes on our or any third-party's intellectual property or other rights.
• Transmit any non-public information about companies or any trade secret of any third party without authorization.
• Transmit advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or other unsolicited commercial communications except as specifically permitted by us.
• 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.
• Modify, adapt, sublicense, translate, sell, reverse engineer, decompile or disassemble any portion of the site.
• Harvest or collect information about site visitors without their express consent.
• Restrict or inhibit any other visitor from using the site, including by means of "hacking," "cracking" or defacing any portion of the site.
• Remove any copyright, trademark or other proprietary rights notices contained on the site.
• Frame or mirror any part of the site without our prior written authorization.
• Use any robot, spider, site search/retrieval application, or other automatic device or process to retrieve, index, data mine or otherwise reproduce or circumvent the navigational structure or presentation of the site or its contents.
• Express or imply that any statements you make are endorsed by us, without our prior written consent.

You alone are responsible for the content and the consequences of your communications. IQCalculators.com reserves the right to terminate your site usage privileges immediately and without notice if it becomes aware and determines, in its sole discretion, that you are violating any of these Terms of Use.

IQCalculators.com reserves the right, but is in no way obligated, to delete any inappropriate, objectionable or offensive material from our site. We intend to fully cooperate with any law enforcement officials and/or agencies in the investigation of any person who violates these Terms of Use or any law.

Third-Party Products and/or Services

IQCalculators.com may include icons, buttons or text in its site or through its newsletters and various promotions which, when activated, will allow you to access and learn more about other services and products elsewhere on the web. When you access any of these services, your rights and obligations will be governed by the agreements and policies relating to the use of those services.

All matters concerning transactions between you and any third-party vendor are solely between you and that vendor. IQCalculators.com does not endorse, warrant or guarantee any product or service offered through this web site or any related communications, and will not be a party to or monitor any transaction between you and third-party providers of products or services. You should always exercise appropriate caution and perform due diligence when transacting with any vendor, as you alone are responsible for that decision. IQCalculators.com will not be liable for any costs or damages arising out of any transaction with a third-party vendor.

Financial Advice

IQCalculators.com exists for educational purposes only. IQCalculators.com is not an investment advisory service nor an investment advisor, nor does it provide personalized financial advice or act as a financial advisor. Investors should always check with their licensed financial advisor, legal counsel and/or tax advisor to determine the suitability of any investment or financial plan.

The materials presented on IQCalculators.com are for general informational purposes only. No information on any part of the site is intended as 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. We cannot and do not assess or guarantee the suitability or profitability of any particular investment. Your use of this site indicates your agreement that you are able to make your own decisions about financial matters and that you bear sole responsibility for your own investment research and decisions, and will not hold IQCalculators.com liable for any damages relating to your personal finances or investments.

All investors are encouraged to fully investigate any security and consult with their financial professional before making any investment. Examine all advice, regardless of its source, critically. The Securities and Exchange Commission (the "SEC") maintains a web site with reports, proxy and information statements, and other information regarding companies that file with the SEC, at sec.gov.

You understand and agree that IQCalculators.com does not offer or provide tax, legal or investment advice to individuals. Always consult your personal financial advisor and/or legal counsel before acting on any information from any source. All material found on IQCalculators.com is for educational and informational purposes only and should not be viewed as a direct recommendation. You understand and agree that any investment decisions you make will be based solely on your evaluation of your own financial circumstances, investment objectives, risk tolerance, financial condition and liquidity needs. You are solely responsible for your own actions.

IQCalculators.com is here solely to educate, and you are solely responsible for all your decisions and actions in response to any information contained herein. Always seek competent legal and financial counsel before making any financial decision. IQCalculators.com is not a registered financial advisor.

Disclaimers

IQCalculators.com, the materials on this site, and any product or service obtained or accessed through this site is provided "as is" and "as available" and without representations or warranties of any kind, either express or implied. To the fullest extent permissible pursuant to applicable law, IQCalculators.com and its 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.

IQCalculators.com and its affiliates, suppliers, agents and sponsors do not warrant that your use of this site will be uninterrupted, error-free or secure, that defects will be corrected, or that the site or the server(s) on which the site is hosted are free of viruses or other harmful components. You acknowledge that you are responsible for obtaining and maintaining all computer hardware and other equipment needed to access and use the site, and all charges related thereto. You assume total responsibility and risk for your use of the site and your reliance thereon.

IQCalculators.com makes no warranty or representation regarding the results that may be obtained from the use of its services, regarding the accuracy, completeness, usefulness, currency or reliability of any information obtained through IQCalculators.com's services, or that IQCalculators.com's services will meet any user's requirements, be uninterrupted, timely, secure or error-free.

Your use of the site and any materials provided through the site are entirely at your own risk.

Limitation of Liability

IQCalculators.com will not be liable for any damages of any kind, including, without limitation, direct, indirect, incidental, special, consequential, compensatory, exemplary, reliance or punitive damages, regardless of the form of action or the basis of the claim, resulting from the use of or access to IQCalculators.com's services, the use of or the inability to use IQCalculators.com's services, or resulting from loss of, unauthorized access to or alteration of a user's transmissions or data, including, but not limited to, damages for loss of profits, use, business, data or other intangibles, even if IQCalculators.com had been advised of the possibility of such damages. Your sole remedy for dissatisfaction with the site and/or its content is to stop using the site. The sole and exclusive maximum liability to IQCalculators.com for all damages, losses and causes of action (whether in contract, tort, including negligence, or otherwise) shall be the total amount paid by you, if any, to access the site.

Indemnification

You agree to indemnify, defend and hold harmless IQCalculators.com, its parent, affiliates, officers, directors, employees, consultants and agents from any and all third-party claims, liability, damages and/or costs (including, but not limited to, attorney fees) arising from your use of our services, your violation of these Terms of Use, or your infringement of any intellectual property or other right of any person or entity. These Terms of Use will inure to the benefit of IQCalculators.com's successors, assigns and licensees.

Applicable Law

These Terms of Use will be governed by and construed in accordance with the laws of the State of Kansas, without giving effect to its conflict of laws provisions or your actual state or country of residence. Sole and exclusive jurisdiction for any action arising out of or related to these Terms of Use, or otherwise related to IQCalculators.com's services or your use thereof, shall be an appropriate state or federal court located in the State of Kansas, and your use of and access to this site acts as an express consent to the jurisdiction of such court, waiving any jurisdictional, venue or inconvenient forum objections.

Miscellaneous

If any provision in this Agreement is found by a court of competent jurisdiction to be unenforceable or invalid, that provision shall be deemed severable from this Agreement and the remaining provisions will continue in full force and effect. This Agreement is not assignable, transferable or sub-licensable by you except with our prior written consent. No waiver by either party of any breach or default hereunder shall be deemed a waiver of any preceding or subsequent breach or default. The section headings used herein are for convenience only. These Terms of Use constitute the entire agreement between the parties with respect to the subject matter hereof and supersede all prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter.