By accessing or using the Site you represent and warrant that you are 18 years old or older. All information, content, services and software displayed on, transmitted through, or used in connection with the Site (with the exception of User Content as defined below), including, for example, news articles, stories, reviews, directories, guides, text, photographs, images, illustrations, audio clips, video, html, source and object code, trademarks, logos, and the like (collectively, the “Content”), as well as its selection and arrangement, is owned by PBCI and/or its licensors and suppliers.You may use the Content online only, and solely for your personal, non-commercial use, and you may download or print a single copy of any portion of the Content solely for your personal, non-commercial use, provided you do not remove any trademark or copyright notice, or other notice, from such Content.If you believe someone has accessed the Site using your registration account and password without your authorization, e-mail us immediately at [email protected] By placing material on the Site, including but not limited to posting content or communications to any Site bulletin board, forum, blogspace, message or chat area, or posting text, images, audio files, video clips, or any audio-visual content to the Site (collectively, “User Content”), you represent and warrant: (1) you own or otherwise have all necessary rights to the User Content you provide and the rights to provide it under these Terms; and (2) the User Content will not cause injury to any person, group or entity. For all User Content you post, upload, or otherwise make available (in this section – “Provide”) to the Site, you grant PBCI a worldwide, royalty-free, perpetual, irrevocable, non-exclusive right and fully sub-licensable, assignable and transferrable license to use, copy, reproduce, distribute, publish, publicly perform, publicly display, modify, adapt, translate, archive, store, and create derivative works from such User Content, in whole or in part, in any form, format, or medium, of any kind now known or later developed.Without limiting the generality of the previous sentence, you authorize PBCI to: (i) share the User Content across all websites, mobile applications, publications and other online and offline services affiliated with PBCI; (ii) include the User Content in a searchable format accessible by users of the Site and other PBCI websites, mobile applications, publications and other online services; (iii) place advertisements in close proximity to such User Content; and (iv) use your name, likeness and any other information you Provide in connection with our use of the material you Provide.If you become a registered member of the Site, you accept responsibility for all activities that occur under your registration account.You agree to provide true, accurate, complete, and correct information at the time of registration, and to promptly update this information as needed so that it remains true, accurate, complete, and correct.You waive all moral rights with respect to any User Content you Provide to the Site.
You acknowledge that we have no obligation to monitor any users’ access to or use of the Site, or to review or edit any Content or User Content, but we have the right to do so in our sole discretion: (i) for the purpose of operating and improving the Site (including without limitation for fraud prevention, risk assessment, investigation and customer support purposes); (ii) to ensure your or another user’s compliance with these Terms; (iii) to comply with applicable law or the order or requirement of a court, administrative agency or other governmental body; or (iv) to address content that we determine is otherwise objectionable or violates these Terms.We reserve the right to terminate your access and use of the Site, in whole or in part, if more than one individual access the Site using any single registration account.You are responsible for maintaining the confidentiality of your password and for restricting access to your computer so others may not access the Site using your name in whole or in part without your permission.The permitted use described in this section is contingent on your compliance at all times with these Terms.Except where explicitly provided for herein or on the Site, you may not republish any portion of the Content on any Internet, Intranet, extranet site or any other online or offline publication, or incorporate the Content in any database, compilation, archive, cache, or similar medium.You may not distribute any Content to others, whether or not for payment or other consideration, and you may not archive, modify, copy, frame, cache, reproduce, sell, publish, transmit, display, exploit, or otherwise use any portion of the Content.You may not scrape or otherwise copy our Content without our permission.All rights in this section are granted without the need for additional compensation of any sort by PBCI to you or to any other person or entity.You agree that you will indemnify, defend, and hold harmless PBCI and its officers, directors and employees for all claims resulting from User Content you post.By using the Site and transmitting an unsolicited submission to us, you agree that you are not entitled to any compensation, credit or notice whatsoever with respect to such submission, and that by sending an unsolicited submission you waive the right to make any claim against the Site, PBCI and its parents, affiliated companies, officers, directors or employees relating to our use of such submission, including, without limitation, infringement of proprietary rights, unfair competition, breach of implied contract or breach of confidentiality, even if material or an idea is used that is or may be substantially similar to the idea you sent. All User Content provided to the Site is the sole responsibility of the person who provided it.This means that you are entirely responsible for all User Content that you Provide.