Terms of Use

PLEASE READ: By using this site, you agree to be bound by our Terms of Use. Depending on your jurisdiction, you may be subject to additional terms. The terms "we," "us," and "our" refer to the owners of this Website. The terms "you" and "your" refer to Website visitors and users. The term "Website" refers to had2know.com.

1) All content on this Website is subject to intellectual property rights and international copyright laws. The intellectual property rights are owned by us, our staff writers, and our licensors. No content may be copied, distributed, republished, repurposed, uploaded, posted or transmitted in any way without our express written consent. Modification of our materials for any purposes violates our intellectual property rights. Those who violate our copyrights and intellectual property rights will be prosecuted to the maximum extent of any applicable laws.

2) Our Website contains advice, opinions, instructions, calculation tools, and statements made by us and other information providers. This content is intended for informational and entertainment purposes only. You use this website and its contents at your own risk! We urge you to consult a professional in the appropriate field before relying on any of the content. To the maximum extent permitted by law, we make no representations, guarantees, warranties or conditions of any kind, express or implied, as to the operation of the Website, nor to the information and content included on the Website. In particular, we make no representations, guarantees, or warranties that this Website will be uninterrupted, free from errors, timely, or appropriate for all users.

2a) This Website contains content related to financial systems. Such content on this Website should not be interpreted as financial or investment advice, nor should it be construed as creating any kind of investment advisor or financial advisor relationship. You should not rely upon the financial and investment information or opinions provided on our pages. Always conduct your own independent research and consult with your personal investment advisor before making an investment or financial decision. You are solely responsible for your investment and financial decisions, as well as their consequences.

2b) This Website contains content related to health and medicine. Such content on this Website should not be interpreted as medical or health advice. The content should not be used to diagnose, treat, or cure any medical condition, nor should it be construed as creating any kind of doctor-patient or medical advisor relationship. You should not rely upon the medical, health, dietary, nutritional or other information provided on our pages. Always consult with your personal health care provider before beginning, changing or stopping any treatment for a health problem. You are solely responsible for the consequences of any medical decisions you make.

2c) This Website contains content related to the law and legal systems. Such content on this Website should not be interpreted as legal advice, nor should it be construed as creating any kind of attorney-client or legal advisor relationship. You should not rely upon the legal information or opinions provided on our pages. Always consult with your personal legal advisor before following a course of legal action. This Website is not a substitute for an in-person consultation with an attorney. The applicability of the legal principles discussed on our pages may differ greatly in individual situations, or in different jursidictions. You are solely responsible for any legal decisions you make, as well as their consequences.

2d) This Website contains online calculation tools. This Website makes no guarantees or warranties as to their accuracy, operability, and reliability, nor to their applicability to your particular situation. These calculators are for recreational use only and should not be used as a basis for any medical, legal, financial, or scholastic activities. You are solely responsible for any actions you take based on the results of these calculators.

2e) This Website may display content that may not be appropriate for some users. The guardians of these users are solely repsonsible for the use of filters and other monitoring devices.

3) This Wesbite contains third party advertisements, offers, and links to other websites and resources over which we do not maintain full control. That information, as well as advertisements, may or may not be wholly accurate. You acknowledge and agree that we are not responsible or liable for the availability or accuracy of such sites or resources. Nor are we liable for the content, advertising, products or services available from such sites or resources. The inclusion of any links on this Website does not imply that we endorse the linked site. You use the links at your own risk. Our Privacy Policy is applicable only when you are on this Website. Once you choose to follow a link to another website, you should read and understand that website's privacy statement before disclosing any personal information.

Your correspondence or business dealings with, or participation in promotions of, third party merchants or advertisers that are found on this Website are solely between you and such merchant or advertiser. You waive any claim against us and agree to hold us harmless from any loss or damage of any kind incurred as the result of any such dealings.

4) We make no representations, guarantees, or warranties that the technical operation of this Website will be free of error or harmful components, or that such defects will be corrected. We may restrict your access to various parts of this Website at our sole discretion. We reserve the right to suspend and/or modify the operation of this Website and/or temporarily or permanently cease the operation of this Website as we deem necessary. We shall not be required to give prior notice with respect to any of the above mentioned events, and you shall have no claim against us whatsoever in the event that we take such actions.

5) You agree to indemnify had2know.com, our employees, our agents, and our affiliates, and to hold the aforementioned parties harmless from any claims that may arise from your misuse of this Website or your failure to abide by our Terms of Use.

6) These Terms of Use may be modified, expanded, or adjusted as we deem necessary. Because this page may change periodically, you are advised to visit this page periodically to read any updates or changes. By using this site, you agree to be bound to our Terms of Use. Depending on your jurisdiction, some of these conditions may not apply to you, or you may be subject to additional terms.

Last updated: March 8, 2012