Terms and Conditions

Welcome to the capitalizeforkids.com website (the “Site”) operated by Capitalize for Kids (“C4K”). By accessing and using this Site for any purpose you agree, without limitation or qualification, to be bound by these terms and conditions (the “Terms and Conditions”) and any amendments hereto. If you do not agree to these Terms and Conditions, you may not use the Site. C4K reserves the right to modify and amend these Terms and Conditions at any time without formal notice to you. We will post any such modifications and amendments on the Site and recommend that you regularly review these Terms and Conditions for any such modifications and amendments.

Registration
Access to various features of the Site may require you to register. When you register, you agree to provide accurate and current information as required by the relevant registration process, and to promptly update such information to ensure its accuracy and completeness. You also agree to be responsible for: (i) maintaining the confidentiality of any passwords chosen by you or assigned to as you as a result of registration on the Site; and (ii) any activity that occurs using such password or your account even when unauthorized by you. In addition, you agree to notify C4K immediately after your discovery of any unauthorized use of your password or account. C4K will not be responsible or liable, directly or indirectly, in any way for loss or damage of any kind incurred as a result of, or in connection with any activity that occurs using your password or account.

Ownership of Content and Limitations on Use
The material, software, information, data and other content contained on this Site, including all text, graphics, images and video (the “Content”) is owned or licensed by C4K and is protected by copyright and other intellectual property laws. Trademarks, logos and service marks (the “Marks”) displayed on the Site are the property of C4K and/or other third parties that may own such Marks.

Content and other materials received through C4K, including, but not limited to, research reports, may be used for your personal, non-commercial use only. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the Content and other materials received through C4K to anyone, including but not limited to others in the same company or organization, without the express prior written consent of C4K. C4K does not guarantee the accuracy, completeness or timeliness of, or otherwise endorse, the information, materials, views, opinions or recommendations contained on the Site or distributed by C4K nor does C4K advocate the purchase or sale of any security or investment.

C4K is a distributor of information supplied by third parties, users and participants in the Investment Challenge. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, participants in the Intelligent Investing Challenge or any other user of C4K, are those of the respective author(s) or distributor(s) and not of C4K. Neither C4K nor any third-party provider of information guarantees the accuracy, completeness, or usefulness of any content, nor its merchantability or fitness for any particular purpose. In many instances, the information available through C4K represents the opinions and judgments of the respective information provider. C4K neither endorses nor is responsible for the accuracy or reliability of any opinion, advice or statement made on the Site or distributed by C4K. Under no circumstances will C4K be liable for any loss or damage caused by a user’s reliance on information obtained through the Site or distributed by C4K. It is the responsibility of the user to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through the Site or distributed by C4K. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content. By accessing the Site, you agree not to redistribute the information found within.

C4K Investment Challenge
By entering and submitting your idea for the C4K Investment Challenge (the “Challenge”), you agree that C4K can use the information submitted for C4K’s business purposes and grant C4K, in perpetuity, a world-wide, non-exclusive license to publish, display, reproduce, modify, edit or otherwise use the information submitted, in whole or in part, to execute the Challenge as contemplated by the Official Contest Rules (including publishing on the Site, in C4K’s newsletter, and for C4K’s general subscriber base) and to promote the Challenge in any type of media whatsoever (including, without limitation, print and digital media). You also agree that C4K will have no obligation to keep any of the information you submit confidential. By entering and submitting your idea for the Challenge, you agree to be bound by the terms of the Official Contest Rules.

Links to Third Party Sites
Various links may be provided on this Site to third party sites. C4K is not responsible for the operation or use of any information contained on such third party sites.

User Conduct
You agree to comply with all applicable laws and these Terms and Conditions when using the Site, and specifically agree not to:

upload, distribute, submit or link to viruses or any other malicious code;
use the Site to do anything that is unlawful, misleading, malicious or discriminatory;
misrepresent your identity;
submit information or content that is false, misleading, illegal, or promotes conduct that would constitute a criminal offense or give rise to civil liability; and
submit information or content that is defamatory, discriminatory, offensive, hateful, racist, or threatening.

Termination
C4K reserves the right to suspend or terminate your access to the Site or any related services, at any time for convenience, or for any other reason (including without limitation, failure by a user to pay amounts due or in the event of any breach by you of these Terms and Conditions as determined by C4K in its sole discretion) without notice and without liability.

Disclaimer and Limitation of Liability
YOU EXPRESSLY UNDERSTAND AND AGREE THAT: (I) THE USE OF THE SITE, INCLUDING ANY CONTENT, SERVICES, OR PROGRAMS FOUND THEREON ARE AT YOUR OWN RISK AND ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS; AND (II) TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, EACH OF C4K, ITS AGENTS, REPRESENTATIVES, LICENSORS AND EACH OF THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AFFILIATES AND RELATED PARTIES (COLLECTIVELY, THE “C4K PARTIES”), DOES NOT MAKE ANY, AND HEREBY DISCLAIMS ALL, REPRESENTATIONS, WARRANTIES, TERMS, CONDITIONS AND ENDORSEMENTS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO MANY MATTER HEREUNDER, INCLUDING WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, SUITABILITY, RELIABILITY, COMPLETENESS OR FREEDOM FROM INFECTIONS OR VIRUSES).

UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO NEGLIGENCE, SHALL C4K PARTIES BE LIABLE FOR ANY LOSS OR DAMAGES OF ANY KIND OR CHARACTER PERTAINING TO THIS SITE AND YOUR USE OF IT. IN NO EVENT WILL C4K BE LIABLE FOR ANY DAMAGES OR LOSSES RESULTING FROM ANY INVESTMENT, FINANCIAL, OR TAX DECISIONS YOU MAKE AS A RESULT OF ACCESSING OR USING THE SITE OR ANY INFORMATION PROVIDED BY C4K.

C4K is not registered as a securities broker-dealer or investment adviser with any jurisdiction and is not providing any personalized financial, investment or tax advice. C4K cannot assess or guarantee the suitability of any particular investment to any personal situation. Accordingly, you bear complete responsibility for your own investment, financial, and tax research and decisions and should seek the advice of a qualified professional prior to making any decisions based on C4K. C4K is provided solely for informational purposes, and does not constitute an offer or solicitation to buy or sell any securities. All opinions expressed and information and data provided therein are subject to change without notice. We do not undertake any duty or obligation to update any content of C4K to reflect current market conditions or other changes.

Indemnification
You agree to defend, indemnify and hold harmless each of the C4K Parties from and against any and all claims, damages, costs and expenses, including without limitation reasonable legal fees, resulting from or relating to: (i) any matter regarding your access to or use of the Site or anything thereon; and (ii) your breach of any provision of these Terms and Conditions.

You agree to use best efforts to cooperate with C4K in the defence of any such matter. We reserve the right, at your expense, to assume the exclusive defence and control of any matter subject to indemnification by you.

Privacy
C4K recognizes the importance of the privacy of your personal information. For information on how your personal information is collected, used, disclosed and managed by C4K, please consult our Privacy Policy.

General
These Terms and Conditions constitute the entire agreement between you and C4K regarding your use of the Site and supersede any previous agreement between you and C4K pertaining to the subject matter hereof. These Terms and Conditions are personal to you and you may not assign your rights or obligations to anyone. We may discontinue or change C4K, or its availability to you, at any time. You agree that these Terms and Conditions, as well as any and all claims arising from them will be governed by and construed in accordance with the laws of the Province of Ontario, without reference to conflict or choice of law principles. You agree that the jurisdiction and venue for any legal proceeding relating to these Terms and Conditions shall be in the appropriate courts located in the City of Toronto. If any of the provisions (or parts thereof) contained in these Terms and Conditions are determined to be void, invalid or otherwise unenforceable by a court of competent jurisdiction, such determination will not affect the remaining provisions or parts thereof contained herein. We do not warrant or imply that the Site or materials on it are appropriate for use outside Canada.

If you have any questions about the terms, please contact us.

Last Updated April 20, 2015.