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MoneySanta.com web portals (hereafter referred as "MoneySanta.com") and related "public access" service areas are services (hereafter referred as "Services") provided to the worldwide user communities. The standard rules and guidelines are intended to protect your rights, the rights of other parties involved in the administration and upkeep of these forums, as well as third parties, while ensuring compliance with relevant laws and regulations. By using the Services, you're agreeing to be bound by the Terms and Conditions listed below. If you do not wish to be bound by these terms, then please do not use the Services and immediately cease the use of the MoneySanta Portals and the Services.

Terms and Conditions

You understand that all information appearing on the MoneySanta.com Portals is the sole responsibility of the persons posting that information. This means that you, and not MoneySanta, sponsors or affiliates, are entirely responsible for all information and material that you post on our "public areas". MoneySanta.com does not control the content of any information posted on such areas and does not guarantee the accuracy, integrity or quality of anything on the MoneySanta.com Portals and related services or any products or services that may appear on MoneySanta.com Portals. The posted information expresses the views of the respective authors - they do not reflect the views of MoneySanta.com, its founders, agents, sponsors, advertisers or any entity associated with MoneySanta.com or its executives. Under no circumstances will MoneySanta.com be liable for any errors or omissions in any information present on this site or for any loss or damages of any kind incurred as a result of the use of any information contained on MoneySanta.com Portals and related services.

By using MoneySanta.com Portals and Services, you agree not to:

  • transmit any message, information, data, text or other materials ("Content") that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, that may be invasive of another's privacy, hateful, racially, ethnically or otherwise objectionable;
  • impersonate any person or entity, including but not limited to, a MoneySanta.com agent, forum leader, guide or host or falsely state or otherwise misrepresent your affiliation with a person or entity;
  • post or transmit any software or graphic files on any Forum or transmit any Content that you do not have a right to transmit under any law or under contractual or fiduciary relationships (such as nondisclosure agreements);
  • post or transmit any unsolicited advertising, promotional materials, "junk mail", "spam", "chain letters", "pyramid schemes", or any other form of solicitation in any Forum;
  • intentionally or unintentionally violate any applicable local, state, national or international law, including but not limited to the regulations promulgated by the U.S. Federal, State, County and other governments or other regulatory agencies and any regulations having the force of law while using or accessing the Services; and
  • upload or transmit any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights ("Rights") of any party.
The fact that MoneySanta.com or its associated or affiliated parties have made the data and services provided herein available to the user of this website does not constitute a representation that any product described herein is suitable or appropriate for the user. All material appearing on this website is presented solely for purposes of information. It is made available with no warranty as to completeness, accuracy or suitability of any such material. The user should search for professional investment, tax and legal advice before making an investment in any product or service. The information contained on these web pages is for informational purposes only and is not intended to be an offer or solicitation, or a basis for any contract to purchase or sell or to engage in any other transaction. Users should search for relevant professional advice before engaging in any purchase or sale transaction. Investors should search for professional investment, tax and legal advice before making an investment in, holding or disposing of any financial securities.

Although the information on these web pages is derived from sources we believe to be reliable, MoneySanta.com does not represent, warrant or guarantee that this information is accurate, complete or suitable for any purpose and it should not be used for any investment decision. All opinions and estimates involve a number of assumptions that may not prove valid. Any opinions or estimations that are specifically attributed to or published by parties associated with MoneySanta.com may represent individual opinion and are subject to change without notice. The information contained in this website does not constitute an offer to buy or sell shares or units in any security or company. The information contained in this website is not directed to any person at any jurisdiction in which such offer, sale or recommendation is not authorized. Each person who intends to buy shares or units of any company or security described herein has to inform himself about the laws which are in force in his jurisdiction. This website is not directed to any person in any jurisdiction where by reason of that person’s nationality, residence or otherwise the publication or availability of this website is prohibited. Persons in respect of whom such prohibitions apply must not access this website. Investors should be aware of the fact that investments in specific financial securities involve an investment risk. Past performance is not a guide to future performance. Any specific financial security is subject to fluctuations so that an investment may be worth more or less than the amount originally invested. Currency fluctuations may also affect the value of an investment. Levels and bases of taxation are also subject to change and will depend on personal circumstances of the investor.

Ensuring Privacy of Information

It is MoneySanta.com's policy to take reasonable measures to respect the privacy of MoneySanta.com's users. MoneySanta.com will take reasonable measures to not disclose the contents of your communications unless required to do so by law or in the good faith belief that such action is reasonably necessary to: (i) comply with legal process; (ii) enforce these terms and conditions; (iii) respond to claims that any Content on MoneySanta.com Portals violate the rights of third-parties; or (iv) protect the rights, property, or personal safety of MoneySanta.com, its users and the public.

Copyrights of Posted Material

Services that allow "public areas" may sometime contain material in which users share material they have copied electronically from other sources. Because there are many thousands of possible sources spread out across the Internet, e.g., newspapers, scientific journals and bulletin boards, it is impossible to determine if any information posted on any "public access" Service infringes the copyright of another party. If you believe that your work has been copied in a way that constitutes copyright infringement, please notify MoneySanta.com so the situation can be promptly addressed.

You acknowledge that MoneySanta.com Portals and Services permit access to content that is protected by copyrights, trademarks and other intellectual and proprietary rights ("Rights"); (ii) these Rights are valid and protected in all media and technologies existing now or later developed; and (iii) except as explicitly provided otherwise, the Terms and Conditions and applicable copyright, trademark and other laws govern your use of such content. You may not post to our Services, copy, reproduce, retransmit, distribute, publish, commercially exploit or otherwise transfer any material subject to any Rights. The burden of determining that any information, software, images or any other content on the Services is not protected by Rights rests with you. You acknowledge that MoneySanta.com may acquire Rights to use any posted materials as described below, and that you will not acquire any of those Rights by downloading such materials.

By submitting Content to any MoneySanta.com Portals and Services, you automatically grant -- or warrant that the owner of such Content has expressly granted -- MoneySanta.com the royalty-free, perpetual, irrevocable, non-exclusive and fully sublicensable right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, communicate to the public, perform and display the content (in whole or in part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed, for the full term of any Rights that may exist in such content. You also warrant that the holder of any Rights has completely and effectively waived all such rights and validly and irrevocably granted to you the right to grant the license stated above. You also permit other members of MoneySanta.com's user community to access, display, view, store and reproduce such content for personal use. Subject to the foregoing, the owner of such content placed on MoneySanta.com Portals or Services retains any and all Rights that may exist in such content.

You may order services or merchandise through MoneySanta.com Portals and Services from other parties not affiliated with MoneySanta.com ("Seller"). All matters concerning the merchandise and services desired from Seller, including but not limited to purchase terms, payment terms, warranties, guarantees, maintenance and delivery, are solely between you and the Seller. MoneySanta.com makes no warranties or representations whatsoever with regard to any goods or services provided by Sellers. You will not consider MoneySanta.com nor will MoneySanta.com be construed as a party to such transactions, regardless of any revenue or benefits arrangements between MoneySanta.com and the Seller. Specifically, MoneySanta.com Institute will not be liable for any costs or damages arising out of, either directly or indirectly, you or any other person involved or related to the transaction. When you access any of the services that are featured on MoneySanta.com Portals and Services, your rights and obligations will be governed by the agreements and policies relating to the use of these services.

MoneySanta.com Institute and its designees shall have the right in their sole discretion to edit, refuse to post, or remove any Content posted on our Services and to move Content to other Services. Without limiting the foregoing, MoneySanta.com and its designees shall have the right to remove any Content that is in violation of the provisions hereof or otherwise objectionable. You agree to indemnify and hold MoneySanta.com harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your violation of these terms and conditions or your violation of any rights of another.

Disclaimer of Warranties

YOU EXPRESSLY AGREE THAT USE OF MoneySanta.com Portals AND Services IS AT YOUR OWN RISK. MoneySanta.com SHALL NOT BE RESPONSIBLE TO YOU FOR ANY CONTENT FOUND ON MoneySanta.com Portals AND Services. MoneySanta.com EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. MoneySanta.com MAKES NO WARRANTY THAT ANY CONTENT ON THE MoneySanta.com Portals AND Services WILL MEET YOUR REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; NOR DOES MoneySanta.com MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF SUCH INFORMATION OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH MoneySanta.com Portals AND Services. YOU UNDERSTAND AND AGREE THAT ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF MoneySanta.com Portals AND Services IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS IN THE DOWNLOAD OF SUCH CONTENT.

Limitation of Liability

TO THE FULL EXTENT PERMISSIBLE UNDER THE APPLICABLE LAW, MoneySanta.com SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM THE USE OR INABILITY TO USE MoneySanta.com Portals AND Services OR FOR COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES OR RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR OBTAINED OR TRANSACTIONS ENTERED INTO THROUGH MoneySanta.com Portals AND Services OR RESULTING FROM ALTERATION OR DELETION OF ANY INFORMATION OR DATA, EVEN IF MoneySanta.com HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

In addition, in these types of "public access" Services particularly, the watchword should be "Let the buyer beware." Information obtained on such "public access" areas is no substitute for independent research, and it's not a good idea to make any decisions based solely or largely on information obtained in "public access" areas. Never assume people are who the say they are, know what they say they know, or are affiliated with whom they say they are affiliated with. MoneySanta.com Portals AND Services are being offered for your personal use only. MoneySanta.com cannot be responsible for the content or accuracy of any information, and shall not be responsible for any decisions made based on such information.

Miscellaneous: These terms and conditions shall be governed by and construed in accordance with the laws of the State of New York and Oneida County, excluding its conflict of law provisions. You and MoneySanta.com agree to submit to the personal and exclusive jurisdiction of the courts located within the State of New York and Oneida County. The failure of Brithe laws of the State of New York and Oneida County, excluding its conflict of law provisions. You and MoneySanta.com agree to submit to the personal and exclusive jurisdiction of the courts located within the State of New York and Oneida County. The failure of MoneySanta.com to exercise or enforce any right or provision of these terms and conditions shall not constitute a waiver of such right or provision. If any provision of these terms and conditions is found by a court of competent jurisdiction to be invalid, the court should endeavor to give effect to the intention reflected in the provision, and the other provisions of these terms and conditions shall remain in full force and effect. 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 MoneySanta.com Portals AND Services or these terms and conditions must be filed within one (1) year after such claim or cause of action arose.

The section titles herein are for convenience only and have no legal or contractual effect. MoneySanta.com reserves the right to change these terms and conditions at any time and from time to time. From time to time MoneySanta.com may supplement these Terms and Conditions with additional terms pertaining to specific content or events, ("Additional Terms"), which Additional Terms may be placed on MoneySanta.com Portals AND Services to be viewed in connection with the specific content or events and shall be identified as such. You understand and agree that such Additional Terms are hereby incorporated by reference into these Terms and Conditions.

What to do:If you become aware of any data or information on MoneySanta.com Portals AND Services that violate these terms and conditions, please email us the offending person's identification and cut and paste the relevant content into the email message. MoneySanta.com cannot guarantee that any action will be taken as a result of your email.