Privacy Policy – Disclaimer – Terms of Use

PRIVACY POLICY – DISCLAIMER – TERMS OF SERVICE AGREEMENT

YOU MUST BE OF THE AGE OF EIGHTEEN (18) YEARS OR OLDER IN ORDER TO ACCESS OR VISIT OR VIEW THIS WEB SITE. IF YOU ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT ALLOWED TO ACCESS OR VISIT OR VIEW THIS WEB SITE AT ANY TIME OR FOR ANY REASON WHATSOEVER. DUE TO THIS STATED POLICY AND AGE RESTRICTION FOR USE OF THIS WEBSITE, NONE OF THE INFORMATION OBTAINED BY THIS WEBSITE FALLS WITHIN THE CHILD ONLINE PRIVACY ACT (COPA) AND IS NOT MONITORED AS DOING SO.

Privacy Policy

The MilitaryLoans101.com website (“website ”) operates this site. It is this website’s policy to respect your privacy regarding any information we may collect while operating our website.

Like most website operators, this website collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. This website’s purpose in collecting non-personally identifying information is to better understand how this website’s visitors use its website. From time to time, this website may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

This website also collects potentially personally-identifying information like Internet Protocol (IP) addresses. This website does not use such information to identify its visitors, however, and does not disclose such information, other than under the same circumstances that it uses and discloses personally-identifying information, as described below.

Google, as a third party vendor, uses cookies to serve ads on this website. Google’s use of the DART cookie enables it to serve ads to users based on their visit to this site and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL – http://www.google.com/privacy_ads.html

Gathering of Personally-Identifying Information

Certain visitors to this website’s websites choose to interact with this website in ways that require this website to gather personally-identifying information. The amount and type of information that this website gathers depends on the nature of the interaction. For example, we may ask visitors who sign up for updates to provide a username and email address. Those who engage in transactions with this website – by purchasing access to products or services, for example – are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, this website collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor’s interaction with this website. This website does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

Aggregated Statistics

This website may collect statistics about the behavior of visitors to its websites. For instance, this website may monitor the most popular pages on the site. This website may display this information publicly or provide it to others. However, this website does not disclose personally-identifying information other than as described below.

Protection of Certain Personally-Identifying Information

This website discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on this website’s behalf or to provide services available at this website’s websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using this website’s websites, you consent to the transfer of such information to them. This website will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, this website discloses potentially personally-identifying and personally-identifying information only when required to do so by law, or when this website believes in good faith that disclosure is reasonably necessary to protect the property or rights of this website, third parties or the public at large. If you are a registered user of an this website and have supplied your email address, this website may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what’s going on with this website and our products. We primarily use our various product blogs to communicate this type of information, so we expect to keep this type of email to a minimum. If you send us a request (for example via a support email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. This website takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.

Cookies

A cookie is a string of information that a website stores on a visitor’s computer, and that the visitor’s browser provides to the website each time the visitor returns. This website uses cookies to help this website identify and track visitors, their usage of this website website, and their website access preferences. This website’s visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using this website, with the drawback that certain features of this website may not function properly without the aid of cookies.

Privacy Policy Changes

Although most changes are likely to be minor, this website may change its Privacy Policy from time to time, and in this website’s sole discretion. This website encourages visitors to frequently check this page for any changes to its Privacy Policy. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.

This Privacy policy is a modified version of the policy made available by Automattic under the Creative Commons Sharealike license.  

Terms of Service:

This website (“Website”) is a hosted service operated by this website (“website”). Any use of the Website is subject to the following Terms and Conditions of Use (“Terms and Conditions”), as well as to this website’s Privacy Policy, all of which are incorporated by reference into these Terms and Conditions. Your use of the Website will constitute your acceptance of these terms and conditions.

ACCESS TO THIS SITE:

YOU MUST BE A LEGAL ADULT OF EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS MILITARY LOANS 101 WEB SITE. NO PERSON UNDER EIGHTEEN YEARS OF AGE IS PERMITTED TO ACCESS THIS WEB SITE FOR ANY REASON. BECAUSE OF THE AGE RESTRICTION ON THIS WEBSITE, NO INFORMATION OBTAINED BY THIS SITE OR AFFILIATES OR LINKED-TO SITES FALLS WITHIN THE CHILD ONLINE PRIVACY ACT (COPA), THEREFORE THIS SITE IS NOT REQUIRED TO BE NOR IS IT MONITORED AS DOING SO.

  1. Responsibility of Contributors. If you post comments on this website’s blog, post material to the Website, post links on the Website, or otherwise make material available by means of the Website (any such material, “Content”), You are entirely responsible for the content of, and any harm resulting from, that Content. That is the case regardless of whether the Content in question constitutes text, graphics, an audio file, or computer software. By making Content available, you represent and warrant that:
    • The downloading, copying and use of the Content will not infringe the proprietary rights, including but not limited to the copyright, patent, trademark or trade secret rights, of any third party;
    • If your employer has rights to intellectual property you create, you have either (i) received permission from your employer to post or make available the Content, including but not limited to any software, or (ii) secured from your employer a waiver as to all rights in or to the Content;
    • You have fully complied with any third-party licenses relating to the Content, and have done all things necessary to successfully pass through to end users any required terms;
    • The Content does not contain or install any viruses, worms, malware, Trojan horses or other harmful or destructive content;
    • The Content is not spam, and does not contain unethical or unwanted commercial content designed to drive traffic to third party sites or boost the search engine rankings of third party sites, or to further unlawful acts (such as phishing) or mislead recipients as to the source of the material (such as spoofing);
    • The Content is not obscene, libelous, hateful or racially or ethnically objectionable, and does not violate the privacy or publicity rights of any third party; and
    • You have, in the case of Content that includes computer code, accurately categorized and/or described the type, nature, uses and effects of the materials, whether requested to do so by this website or otherwise.

By submitting Content to this website, you grant this website a world-wide, royalty-free, and non-exclusive license to reproduce, modify, adapt and publish the Content solely for the purpose of displaying, distributing and promoting this website. If you delete Content, this website will use reasonable efforts to remove it from the Website, but you acknowledge that caching or references to the Content may not be made immediately unavailable, and that anything you post online might be available for view to the public forever.

Without limiting any of those representations or warranties, this website has the right (though not the obligation) to, in this website’s sole discretion (i) refuse or remove any content that, in this website’s reasonable opinion, violates any this website policy or is in any way harmful or objectionable, or (ii) terminate or deny access to and use of the Website to any individual or entity for any reason, in this website’s sole discretion. This website will have no obligation to provide a refund of any amounts previously paid.

  1. Responsibility of Website Visitors. This website has not reviewed, and cannot review, all of the material, including computer software, posted to the Website, and cannot therefore be responsible for that material’s content, use or effects. By operating the Website, this website does not represent or imply that it endorses the material there posted, or that it believes such material to be accurate, useful or non-harmful. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. The Website may contain content that is offensive, indecent, or otherwise objectionable, as well as content containing technical inaccuracies, typographical mistakes, and other errors. The Website may also contain material that violates the privacy or publicity rights, or infringes the intellectual property and other proprietary rights, of third parties, or the downloading, copying or use of which is subject to additional terms and conditions, stated or unstated. This website disclaims any responsibility for any harm resulting from the use by visitors of the Website, or from any downloading by those visitors of content there posted.
  1. Content Posted on Other Websites. We have not reviewed, and cannot review, all of the material, including computer software, made available through the websites and webpages to which this website links, and that link to this website. This website does not have any control over those third party websites and webpages, and is not responsible for their contents or their use. By linking to a website or webpage, this website does not represent or imply that it endorses such website or webpage. You are responsible for taking precautions as necessary to protect yourself and your computer systems from viruses, worms, Trojan horses, and other harmful or destructive content. This website disclaims any responsibility for any harm resulting from your use of any other websites and webpages.
  1. Copyright Infringement and DMCA Policy. As this website asks others to respect its intellectual property rights, it respects the intellectual property rights of others. If you believe that material located on or linked to by this website violates your copyright, you are encouraged to notify this website in accordance with this website’s Digital Millennium Copyright Act (”DMCA”) Policy. This website may, in its discretion, make an attempt to respond to such notices, but cannot guarantee a response. If this website does respond, such response may include an action as required or appropriate of removing the infringing material or disabling all links to the infringing material. In the case of a visitor who may infringe or repeatedly infringes the copyrights or other intellectual property rights of this website or others, this website may, in its discretion, terminate or deny access to and use of the Website. In the case of such termination, this website will have no obligation to provide a refund of any amounts previously paid to this website.
  1. Trademarks.  This website’s original components, and all other trademarks, service marks, graphics and logos used in connection with this Website are trademarks or registered trademarks of this website or this website’s licensors. Other trademarks, service marks, graphics and logos used in connection with the Website may be the trademarks of other third parties. Your use of the Website grants you no right or license to reproduce or otherwise use any this website or third-party trademarks.
  1. Changes.  The Website, including without limitation all content there available and these Terms and Conditions, may be changed at the sole discretion of this website and without notice. You are bound by any such updates or changes, including but not limited to those affecting these Terms and Conditions, and so should periodically review these Terms and Conditions.
  1. Disclaimer of warranties. Except as otherwise expressly stated, all content posted to or available from the Website is provided “as is”, and this website, its suppliers and its licensors make no representations or warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, title or non-infringement of proprietary rights. You understand and agree that you download from, or otherwise obtain content or services through, this Website at your own discretion and risk, and that this website, its suppliers and its licensors will have no liability or responsibility for any damage to your computer system or data that results from the download or use of such content or services. Some jurisdictions may not allow the exclusion of implied warranties, so some of the above may not apply to you.
  1. Limitation of liability. Except as otherwise expressly stated, in no event will this website, its suppliers or its licensors be liable to you or any other party for any direct, indirect, special, consequential or exemplary damages, regardless of the basis or nature of the claim, resulting from any use of the Website, or the contents thereof or of any hyperlinked website including without limitation any lost profits, business interruption, loss of data or otherwise, even if this website, its suppliers or its licensors were expressly advised of the possibility of such damages. In no event will the aggregate liability for any and all of your claims against this website, its suppliers and its licensors arising out of or related to use of the Website, or the contents thereof or of any hyperlinked website exceed the amounts actually paid by you to this website during the 12-month period prior to the date a claim is made. Some jurisdictions may not allow the exclusion or limitation of liability for certain incidental or consequential damages, so some of the above limitations may not apply to you. The parties agree that this Section 11 represents a reasonable allocation of risk.
  1. General Representation and Warranty. You represent and warrant that your use of this Website will be in accordance with this website’s Privacy Policy, with these Terms and Conditions, with any applicable laws and regulations, including without limitation any local laws or regulations in your country, state, city, or other governmental area, regarding online conduct and acceptable content, and including all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside, and with any other applicable policy or terms and conditions.
  1. Indemnification.  You agree to defend, indemnify and hold harmless this website, its contractors, and its licensors, and their respective directors, officers, employees and agents from and against any and all claims and expenses, including attorneys’ fees, arising out of your use of this Website, including but not limited to your violation of any representation or warranty contained in these Terms and Conditions.
  1. Miscellaneous.  These Terms and Conditions constitute the entire agreement between this website and you concerning the subject matter hereof, and they may only be modified by a written amendment signed by an authorized executive of this website, or by the posting by this website of a revised version. Except to the extent applicable law, if any, provides otherwise, these Terms and Conditions, any access to or use of the Website will be governed by the laws of the state of Washington, U.S.A., excluding its conflict of law provisions, and the proper venue for any disputes arising out of or relating to any of the same will be the state and federal courts located in King County, Washington. If any part of these Terms and Conditions is held invalid or unenforceable, that part will be construed to reflect the parties’ original intent, and the remaining portions will remain in full force and effect. A waiver by either party of any term or condition of these Terms and Conditions or any breach thereof, in any one instance, will not waive such term or condition or any subsequent breach thereof. You may assign your rights under these Terms and Conditions to any party that consents to, and agrees to be bound by, its terms; this website may assign its rights under these Terms and Conditions without condition. These Terms and Conditions will be binding upon and will inure to the benefit of the parties, their successors and permitted assigns.

Note: This Terms of Service notice is a modified version of the notice made available by wordpress.com under the Creative Commons Sharealike license.

Disclaimer

This site does not provide any financial or legal or professional advice of any kind whatsoever. The site and its services, including the information above, are for informational and entertainment purposes only and is not a substitute for professional advice.

Always seek the advice of a qualified professional before starting any new course of action. Do not delay seeking or disregard advice based on information on this site or any sites linked to or referred to or mentioned on this site. Financial information changes rapidly and while this site and its content providers make efforts to update the content on the site, some information may be out of date.

MilitaryLoans101.com is an online information and communications service (the “Service”). Use of the Service is governed by the terms and conditions of this Agreement. Please read this Agreement carefully before accessing or using the Service. Throughout this Agreement, MilitaryLoans101.com is referred to as “we” or “us.”

Google, as a third party vendor, uses cookies to serve ads on this website. Google’s use of the DART cookie enables it to serve ads to users based on their visit to this site and other sites on the Internet. Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL – http://www.google.com/privacy_ads.html

General terms and conditions

Your access and use of this site and its services binds you to this Agreement. If you do not agree to the terms and conditions of use for this site, you may not use the Site or its services. You must be 18 years of age or older to use this site. If you are not 18 years or older you may not use the Site or its services.

We may modify this Agreement at any time. Any modifications made to this Agreement will be effective immediately upon posting on the site. By accessing or using the Service, you agree to be bound by all of the terms and conditions of the Agreement as posted on the Service at the time of your access or use. You agree to review the Agreement posted on the Service each time you use the Service so that you are aware of any modifications made to this Agreement.

Educational Statement

By visiting this site you acknowledge and agree that all material provided on the MilitaryLoans101.com site is provided for informational or educational purposes only and that you should consult a professional financial advisor regarding the applicability of any opinions or recommendations with respect to your unique situation.

Disclaimer

THE SERVICE AND ANY INFORMATION CONTAINED ON OR PROVIDED THROUGH THE SERVICE IS PROVIDED ON AN “AS IS” BASIS AND WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. THAT MEANS THAT THE INFORMATION CONTAINED ON OR PROVIDED THROUGH THIS SERVICE IS INTENDED FOR GENERAL CONSUMER UNDERSTANDING AND EDUCATION. ANY ACCESS TO THIS SITE IS VOLUNTARY. WE WILL REGARD ALL ACCESS AS VOLUNTARY AND AT THE SOLE RISK OF THE USER.

This site and its services are for consumer educational and entertainment use only. Nothing contained in this site is or should be considered, or used as a substitute for, professional advice. The services provided on this site are there to educate consumers on financial issues that may affect their daily lives. This site and its services do not constitute the practice of any professional advice or services.

All material provided on the MilitaryLoans101.com site is provided for informational or educational or news or entertainment purposes only, it is not a substitute for professional advice and you should consult a professional regarding the applicability of any news, opinions or recommendations or questions.

Because of the designated purpose of this site and the services it provides, you agree that MilitaryLoans101.com does not constitute a service that targets any one community, user group, business or industry. Because the site is designed for educational purposes, you also agree that it does not constitute “doing business” in any specific jurisdiction or soliciting business for us or any of our affiliated companies, subsidiaries or our parent company or establishing “minimum contacts” with any jurisdiction outside of the state of Washington.

We ask users to always seek the advice of a qualified professional with any questions. Never disregard, avoid or delay in obtaining advice from your qualified professional because of something you have read on this site.

We do not operate, control, supply, endorse, warrant or guarantee any information, products, services or merchandise that are not clearly identified as information, products, services or merchandise supplied by us. We also do not warrant or guarantee that files available for downloading through the Service will be free of infections or viruses, worms, Trojan horses or other code that contains contaminating or destructive properties.

We, and our content providers, cannot and do not guarantee or warrant against errors, omissions, delays, interruptions or losses including loss of data. Users of this site are responsible for maintaining a means external to MilitaryLoans101.com for the reconstruction of any lost data. We reserve the right at any time and from time to time to modify or discontinue, temporarily or permanently, this site, or any part thereof, with or without notice.

Disclaimer of Warranties and Limitation of Liability

WE DO NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS OF ANY KIND WHATSOEVER (INCLUDING WITHOUT LIMITATION, WARRANTIES OF TITLE OR NONINFRINGEMENT, OR ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE) WITH REGARD TO THE SERVICE, OR WITH RESPECT TO ANY INFORMATION, PRODUCT, SERVICE, MERCHANDISE OR OTHER MATERIAL PROVIDED ON OR THROUGH THE SERVICE. WE DO NOT WARRANT OR GUARANTEE THE ACCURACY, COMPLETENESS, CORRECTNESS, TIMELINESS, OR USEFULNESS OF ANY INFORMATION, PRODUCTS, SERVICES, MERCHANDISE OR OTHER MATERIAL PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY. WE MAKE NO WARRANTY OR GUARANTEE THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE. WE ARE NOT LIABLE TO ANY USER OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY OR NOT TAKEN BASED ON RELIANCE UPON THE INFORMATION CONTAINED ON OR PROVIDED THROUGH THE SERVICE.

Users’ agreement

Users will not copy, download, upload or transmit any communications or content of any type that infringe or violate any rights of any party.

Users will not use this site for any purpose in violation of local, state, national or international laws.

Users will not use this site as a means to distribute advertising or spam, or other unsolicited material to any third party.

Users will not post material that is unlawful, obscene, defamatory, threatening, harassing, abusive, slanderous, hateful or embarrassing to any other person or entity as determined by us in our sole discretion.

Users will not impersonate another person or create any false contact information or record for themselves or others. Users will not hold us, or any of our affiliates, subsidiaries, individuals or parent company liable for damages including (but not limited to) loss of wages, revenue or business because of any services related to or provided by this site. The sole and exclusive remedy for dissatisfaction with the services of this site will be to stop using the Service.

Users will indemnify us and any of our parent or subsidiary companies or organizations, and any of our successors, assigns or licensees, together with any of their respective officers, directors and employees, individuals, against any damages, losses, liabilities, judgments, costs or expenses (including reasonable attorneys’ fees and costs) arising out of a claim by a third party relating to use of the Service, or any breach or violation of this Agreement or any other term or condition contained on the Service.

Users agree to comply with all user responsibilities and obligations as stated in these Terms of Service. Users’ representations

All site users represent and warrant that they are at least 18 years of age and that they possess the legal right and ability to agree to these Terms of Service and to use this site in accordance with these Terms of Service.

Conflict resolution

You agree that this Agreement is entered into between you and us in the State of Washington, United States of America, and is performed within the State of Washington and governed by and shall be construed in all respects under the laws of the State of Washington, exclusive of its choice of law or conflict of laws provisions. In any claim or action by you directly or indirectly arising under this Agreement or related to the Service, you and we each irrevocably agree to submit to the exclusive personal jurisdiction of the Washington State District Court sitting in King County, Washington, or if such court does not have subject matter jurisdiction, then you and we each irrevocably agree to submit to the exclusive personal jurisdiction of the United States Court for the District of Washington, and whichever of those two courts has jurisdiction, you and we each waive any jurisdictional, venue, or inconvenient forum objections to such court. In any claim or action by you directly or indirectly arising under this Agreement or related to the Service, you and we each irrevocably agree that any claim must first go through arbitration before going to court, in a good faith attempt to resolve any claim without going to court.

If any of the provisions of this Agreement are held to be not enforceable by a court or other tribunal of competent jurisdiction, then such provisions shall be limited or eliminated to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect. This Agreement constitutes the entire agreement between you and us relating to the access and use of the site and any of its services. This Agreement may not be modified, in whole or in part, except as described elsewhere in this Agreement. Anything contained on the Service inconsistent with or conflicting with the terms of this Agreement is superseded by the terms of this Agreement.

Termination of services

If you violate these Terms and Conditions of Use, your use of this site will terminate. We may notify you that you have breached the Agreement and your account is being terminated. We may, in our sole discretion, terminate your access to this site, or any portion thereof, or discontinue providing the site, or any portion thereof. These actions are in addition to and not in lieu or limitation of any other right or remedy we may have available at law. Further, we shall not be liable to you or any third party for any such termination or discontinuance.

General

We do not guarantee continuous, uninterrupted or secure access to our services, and operation of this site may be interfered with by numerous factors outside of our control. You agree that these Terms and Conditions of Use and all incorporated agreements between us and you may be automatically assigned by us, in our sole discretion, to a third party in the event of a merger, acquisition or liquidation.

Our failure to act with respect to a breach by you or others of these Terms and Conditions of Use does not waive our right to act with respect to subsequent or similar breaches. These Terms and Conditions of Use set forth the entire understanding and agreement between us and any site user with respect to the site, its uses and services.

Statute of Limitations. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the Terms and Conditions of Use must be filed within one (1) year after such claim or cause of action arose or be forever barred. The section titles in the Terms and Conditions of Use are for convenience only and have no legal or contractual effect. Copyright and trademarks

The marks “Military Loans 101″ and logo may be pending trademarks and service marks of the publishers. The materials on the site are copyrighted by us and/or other applicable rights holders. You may download and reprint a single copy of the materials from the Service for your own personal, noncommercial use only, provided you include all applicable notices and disclaimers. Any other use of the materials is strictly prohibited without our prior written permission and the permission of the applicable rights holder(s).

You accept all of the foregoing policies, terms and conditions of this Agreement by any use of the Service.

Copyright (c) 2005–2013 by MilitaryLoans101.com. All rights reserved worldwide.

You may reach us at: militaryloans101 [AT] yahoo [dot]com – replace “AT” and “dot” with the usual symbols. (this helps us to cut down on spam robots using our mail).