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Terms of Use
We welcome you to SayPlanning.com and our network
of affiliated sites and lending network. These
Terms and Conditions outline the rights and obligations
of those who access or use the SayPlanning.com
network.
These Terms and Conditions (Terms) govern the
use of the SayPlanning.com web site (www.SayPlanning.com),
and its affiliated sites within the SayPlanning.com
network, hereafter either referred to by the name
"SayPlanning". The term "nBuy" shall be used to
refer to nBuy Associates, parent company and operator
of the SayPlanning.com network.
SayPlanning provides users with a variety of
information that addresses life event issues including
referral links, information, surveys, and other
product data. Many of these events may require
financing, which SayPlanning links users to a
network of lenders who may service their needs.
All of these features are referred to collectively
as "Content" generated by nBUY, various partners,
and affiliated 3rd party web sites.
SayPlanning is intended for use by those ages
18 and older. nBUY is not responsible for any
or all Content that is deemed inappropriate by
the parents or legal guardians of minors who patronize
the Site. SayPlanning make available certain information
provided by third parties related to various professional,
financial, and career fields. nBUY does not give
advice in any such fields and in no way endorses
any of the information provided in this manner.
If you intend to use any such information, NBUY
STRONGLY SUGGESTS THAT YOU SEEK ADVICE FROM A
COMPETENT PROFESSIONAL REGARDING ISSUES IN ANY
PROFESSIONAL, FINANCIAL, OR CAREER MATTER.
You agree that Your use of the Site and its Content
shall be in full compliance with these Terms and
Conditions, the limitations of the license granted
below, and all applicable laws and regulations.
You agree that any information, whether about
yourself or otherwise, that you provide or post
on the Site shall be truthful, accurate, complete,
and not defamatory, disparaging libelous, fraudulent,
false or misleading, or otherwise in violation
of any applicable law or regulation. Any information
found to be inaccurate or incomplete might result
in suspension, termination, revocation, or refusal
of your participation on the Site and/or denial
of any benefits obtained by way of said inaccurate
or incomplete information.
In completing surveys and polls, you consent to
provide accurate, honest, and complete information
with regard to the questions being posed in said
surveys and polls. As a participant, you specifically
agree that nBUY and third-party Content providers
are not liable for any conduct by other participants
associated with SayPlanning, including, but not
limited to, user profiles, qualification forms,
resumes, survey, chat rooms, or message board
postings. You acknowledge that nBUY may send you
e-mail regarding new features, updates to existing
features, special offers, affiliate programs,
promotions, and news about SayPlanning. All e-mails
will be sent in accordance with the Privacy
Policy.
SayPlanning AND ALL RESPECTIVE CONTENT ARE PROVIDED
"AS IS", WITHOUT ANY WARRANTY OF ANY KIND. YOU
AGREE THAT YOUR USE OF THE SITE IS AT YOUR OWN
RISK. YOU TAKE RESPONSIBILITY FOR YOUR ACTIONS
ON THE SITE AND FOR ANY DAMAGES INCURRED AS A
RESULT OF YOUR USE OF THE SITE. NBUY MAKES NO
GUARANTEES THAT THIS SITE WILL MEET ALL OF YOUR
PERSONAL EXPECTATIONS. NBUY MAKES NO GUARANTEES
THAT ALL PARTICIPANTS WILL AT ALL TIMES BE ABLE
TO GAIN UNINTERRUPTED ACCESS TO THE SITE OR ANY
AREAS OF THE SITE. NBUY MAKES NO GUARANTEES REGARDING
THE ACCURACY, CURRENCY, OR APPROPRIATENESS OF
ALL INFORMATION AVAILABLE ON THE SITE. NBUY DISCLAIMS
ALL IMPLIED WARRANTIES, INCLUDING IMPLIED WARRANTIES
OF MERCHANTABILITY AND FITNESS FOR ANY PARTICULAR
PURPOSE.
NBUY IS NOT RESPONSIBLE FOR ANY LOSSES, PERSONAL,
PHYSICAL, EMOTIONAL, PROPERTY OR MONETARY, THAT
ARE INCURRED AS A RESULT OF USING, OR AN INABILITY
TO USE, THIS SITE. NBUY ACKNOWLEDGES, BUT IS NOT
LIABLE FOR, ANY INFORMATION ON THE SITE THAT IS
DEEMED INAPPROPRIATE FOR MINORS.
Furthermore: nBUY is not responsible for the
accuracy, currency, or quality of information
provided in areas of Site Content, chat rooms,
or message boards. nBUY is not responsible for
the accuracy, currency, or quality of information
available on other Web Sites linked to from the
Site nor should any such links be construed as
an endorsement of such Sites. nBUY is not responsible
for any other personal, mental, emotional, physical,
monetary or property damage or injury resulting
from use of the Centers, the inability to use
the Centers.
UNDER NO CIRCUMSTANCES WILL NBUY BE LIABLE FOR
ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL,
EXEMPLARY OR PUNITIVE DAMAGES UNDER ANY THEORY
(INCLUDING CONTRACT, NEGLIGENCE, STRICT LIABILITY
OR TORT) ARISING OUT OF OR RELATING IN ANY WAY
TO YOUR USE OF OR INABILITY TO USE THE SITE OR
ITS CONTENTS, REGARDLESS OF WHETHER NBUY IS ON
NOTICE OF SUCH POSSIBLE DAMAGES.
IN NO EVENT SHALL NBUY'S MONETARY LIABILITY TO
YOU, WHETHER ARISING FROM INDIVIDUAL OR MULTIPLE
CAUSES OF ACTION, EXCEED ONE HUNDRED DOLLARS.
YOUR ONLY OTHER REMEDY FOR DISSATISFACTION WITH
THE SITE, SITE RELATED SERVICES AND/OR CONTENT
OR INFORMATION CONTAINED WITHIN THE SITE IS TO
STOP USING THE SITE AND/OR ITS SERVICES PROVIDED.
YOU AGREE TO INDEMNIFY NBUY (INCLUDING ITS OFFICERS,
DIRECTORS, EMPLOYEES, REPRESENTATIVES AND AGENTS)
AND HOLD IT HARMLESS FROM ANY CLAIM, CAUSE OF
ACTION, JUDGMENT, LIABILITY, DAMAGE OR EXPENSE
(INCLUDING REASONABLE ATTORNEYS FEES) ARISING
FROM OR IN CONNECTION WITH YOUR VIOLATION OF THESE
TERMS OR CONDITION OR ANY ALLEGATION THAT YOUR
USE OF THE SITE OR ITS CONTENTS WAS IN VIOLATION
OF APPLICABLE LAW OR REGULATION.
©Copyright 2003 SayPlanning.com. All rights reserved.
Some material is provided by partners and external
sources; while contributors retain the copyrights
in what they submit, the site as a whole and all
content provided by nBUY is a copyrighted work
of the SayPlanning.com network. SayPlanning and
all affiliated sites with the SayPlanning network
are service marks of nBUY Associates. The names
and marks of advertisers and third parties appearing
on the Site are owned by those third parties.
You agree you shall not use any content on the
Site except as is expressly authorized herein.
You further agree not to take any action that
would infringe, misappropriate, dilute, constitute
unfair competition with respect to or otherwise
violate any nBuy intellectual property or the
intellectual property rights of third parties
that have posted material on the Site.
nBUY grants to authorizes Users of the Site a
limited, nonexclusive royalty-free right to access,
view and download materials on the Site solely
for their personal use. Users may not make any
commercial use of any Content on the Site, nor
may they further reproduce, distribute or display
any Content. nBUY reserves all rights not expressly
licensed.
These terms and conditions are created and governed
in accordance with the laws of the Commonwealth
of Virginia, USA, without regard to its choice
of law rules. By agreeing to these Terms and Conditions,
you agree that all disputes arising from the use
of SayPlanning shall be resolved under the sole
jurisdiction and venue of the courts of Henrico
County, Virginia, USA or the United States District
Court for the Central District of Virginia.
Any provisions contained in these Terms and Conditions
found to be in violation of, or contradiction
to, current laws will be considered void. Voided
or severed portions of these Terms and Conditions
shall not have any bearing on the remainder of
the Terms and Conditions. Use of SayPlanning is
prohibited in any legal jurisdiction that does
not recognize these Terms and Conditions as legal
and binding. A SayPlanning participant may make
no changes to the Terms and Conditions unless
the changes are agreed to, and signed by, both
the participant and SayPlanning.
SayPlanning may at times offer free chat rooms
and message boards with the intention of facilitating
diverse communication through the use of this
service (referred to as the "Service"). You are
entirely liable and responsible for all of your
activities using the Service. nBUY does not guarantee
that these guidelines will be followed and, therefore,
expressly disclaims any and all liability arising
from, or related to, any failure to follow such
guidelines. By using the Service, you are hereby
agreeing to comply with the following Code of
Conduct.
a) Etiquette Statement: SayPlanning.com
supports the unique interchange of ideas. We want
people to feel comfortable with thoughts and questions
provoked by the Site's chats and posted on our
message boards. We absolutely do not promote or
allow expressions of vulgarity, indecency, bigotry,
racism, sexism, or otherwise offensive behavior
including, but not limited to, illegal, hateful,
abusive, and threatening acts.
b) Participant Conduct Guidelines: The
following is a non-exclusive list of Content and
actions that are prohibited on the Site. nBUY
reserves the right to modify the Code of Conduct
at any time, in addition to terminating the Service
at any time, with or without notice.
SayPlanning does not prescreen or monitor any
Content available on or through the Service. However,
SayPlanning reserves the right to edit, refuse
to post, or remove any Content.
Users must obey all SayPlanning chat hosts or
other nBUY officials.
Users may not use the Service to publish, post,
distribute, display, or propagate:
- Any images, graphics, information, data, text,
files, links, software, chat, message, communication
or other material (Content) that is unlawful,
harmful, threatening, abusive, harassing, libelous,
indecent, obscene, or Invasive of another person's
privacy. This includes the posting of another
person's private information;
- Any Content containing hate speech, racism,
sexism, or speech of a blatantly sexual or graphically
violent nature;
- Any Content that you do not have a right to
transmit under any law or under contractual
or fiduciary relationships, such as inside information,
or other proprietary and confidential information;
- Any unsolicited advertising, promotional materials,
spam, chain letters, junk mail, or pyramid or
other investment schemes;
- Any distribution lists compiled through the
Service to anyone without the permission of
all persons on any such lists. Under no circumstance
may any commercial use be made of any distribution
list compiled through the Service or of any
database maintained through the Service; and/or
- Any Content that is false, misleading, or
designed to manipulate any equity, security,
or other market.
Users may not:
- Use the Service to stalk individuals;
- Upload any material that contains software
viruses or any other computer codes, files or
programs designed to damage or to limit the
functionality of any software or hardware;
- Use the Service to sell, purchase, or offer
to sell or purchase, any registered or unregistered
securities;
- Use the Service to sell, purchase, or offer
any harmful, illegal, obscene, pornographic,
or indecent products and services prohibited
by any applicable law;
- Intentionally or unintentionally violate any
applicable local, state, national, or international
laws;
- Use the Service in any manner that would violate
any regulation of the United States Securities
and Exchange Commission, or any regulation of
any stock exchange, including, but not limited
to, the New York Stock Exchange, the American
Stock Exchange, and the NASDAQ;
- Use the Service to conduct contests or extract
fees from participants to participate in raffles
and contests for personal or commercial gain;
- Take any action that disrupts the operation
of any Site chat room, including causing any
screen in any Site chat room to scroll more
quickly than other users are able to type messages
on that screen;
- Disrupt the flow of dialogue in a Site chat
room or otherwise act in a manner that negatively
affects other participants;
- Pretend to be anyone whom you are not - You
may not impersonate another Participant, a nBUY
employee or host, or anyone else;
- Use any automated means, including spiders,
robots, crawlers, or the like to download data
from any SayPlanning database;
- Use any data obtained from any SayPlanning
database for solicitations, commercial or otherwise,
or as part of a commercial product, service,
or Content offering;
- Sell or otherwise distribute any data obtained
from any SayPlanning database;
- Use SayPlanning for purposes of gathering
personal identifying information from individuals
for commercial or unlawful purposes;
- Incorporate any word in a username that violates
any trademark, service mark, or other proprietary
right of any third party, including, without
limitation, any trademark or service mark of
nBUY; and/or
- Forge headers or otherwise manipulate identifiers
to disguise the origin of any Content transmitted
through the Service.
SayPlanning believes that privacy and security
are of major concerns to online users. Therefore,
we have adopted the privacy statement located
on this Site to disclose the privacy practices
for www.SayPlanning.com and its affiliated sites
within the SayPlanning network. By agreeing to
these Terms, You acknowledge that your use of
the Site is subject to SayPlanning privacy policy,
as it may be modified from time to time.
These Terms and Conditions constitute the entire
agreement between nBUY and any participant with
respect to the subject matter contained herein
and supersedes any other agreement, proposals,
and communications, written or oral, between nBUY
representatives and each SayPlanning Member with
respect to the subject matter hereof. nBUY may
amend these Terms and Conditions at any time and
without notice.
We hope your enjoyment of SayPlanning.com services,
Content, and contests will be enhanced by the
application of these Terms and Conditions. It
is our belief that your understanding of the guidelines
that have been set forth will allow SayPlanning.com
to continue to be a place that benefits all of
its users. Thank you for taking the time to read
the SayPlanning.com Terms and Conditions and we
hope you enjoy our Site.
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operated by: nBuy Associates
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