Applicability and Acceptance of Terms and Conditions of Use

Except as otherwise set forth herein, these general terms and conditions of use (“Terms and Conditions”) govern your use of websites owned and operated by NewsBank, including but not limited to, www.insightfulphilanthropy.com; www.newsbank.com; and www.readex.com (collectively, “Our Web Sites”).  NewsBank, inc., its subsidiaries and affiliates, and their employees, officers, directors, and agents are collectively referred to in these Terms and Conditions as “NewsBank,” “we,” “our,” or “us.”  By accessing and using Our Web Sites, you acknowledge that you have read and agree to these Terms and Conditions.  If you do not agree to be bound by these Terms and Conditions, then you are requested to immediately exit this site.  NewsBank may take any action it deems appropriate, including, but not limited to, restricting your access to Our Web Sites or terminating our services to you if we determine, in our sole discretion, that you have violated these Terms and Conditions.

Other Applicable Terms and Conditions

These Terms and Conditions do not govern services available from NewsBank (even those services that may be ordered or provided by us through Our Web Sites) to the extent that any specific terms and conditions apply to such services.  Those services are instead governed by the specific agreements, policies, instructions, statements, laws, and regulations relating to such services, and such governing documents will control in the event of a conflict with these Terms and Conditions or any material contained on Our Web Sites.

Contact Us

For further information or to contact us with questions, concerns, or comments, you may send an email to webmaster@newsbank.com.  Although we will, in most circumstances, be able to receive your email through Our Web Sites, we do not guarantee that we will receive all such email timely and accurately.  We shall not be legally obligated to read, act on, or respond to any such email or other information.

Revisions to Terms and Conditions

Please refer to these Terms and Conditions regularly.  We may at any time and without prior notice revise these Terms and Conditions by updating this posting.  Your continued use of Our Web Sites following posting of changes to these Terms and Conditions signifies that you accept such revisions.

Copyright

All content included on Our Web Sites and their related software is our property or the property of our content providers, and is protected by copyright law.  We and our content providers retain all right, title, and interest in Our Web Sites’ content.  We grant you the nonexclusive, nontransferable, limited, and revocable right to print individual pages from Our Web Sites, without alteration, for your own personal, noncommercial use, and for your consideration in connection with the possibility of doing business with us.  Except as allowed in these Terms and Conditions, you may not produce, publish, transmit, distribute, display, modify, create derivative works from, or exploit in any way, in whole or in part, any of the contents of Our Web Sites or any related software without the prior written consent of us or our content providers. 

Trademarks

All trademarks, characters, and service marks, and the other source identifying names, graphics, and logos (collectively “Trademarks”) displayed and used on Our Web Sites belong to us or have been licensed to us.  The Trademarks may not be used without our prior written permission.  We do not permit the use of our Trademarks in advertising, as an endorsement for any product or service, or for any other purpose, commercial or otherwise, without our prior written approval.  Nothing contained in Our Web Sites should be construed as granting any license or right to use any Trademarks displayed and used on Our Web Sites.  Any use and/or misuse of the Trademarks displayed and used on Our Web Sites, or any other content on Our Web Sites, except as provided in these Terms and Conditions, is strictly prohibited. 

Intellectual Property Protection

We will aggressively enforce our intellectual property rights to the fullest extent of the law, including criminal prosecution.

DISCLAIMER

OUR WEB SITES, INCLUDING, WITHOUT LIMITATION, ALL INFORMATION, CONTENT, AND SERVICES MADE AVAILABLE ON OUR WEB SITES, ARE PROVIDED “AS IS.”  WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND OR NATURE WHATSOEVER REGARDING THE CONTENT OR SERVICES OF OUR WEB SITES, OR HYPERTEXT LINKS TO OTHER OUTSIDE WEB SITES.  WE DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES OF ANY KIND OR NATURE WHATSOEVER, INCLUDING, WITHOUT LIMITATION, WARRANTIES RELATED TO ANY COURSE OF DEALING, USAGE OR TRADE PRACTICE, AND IMPLIED WARRANTIES OF NONINFRINGEMENT, TITLE, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE.  WE DO NOT WARRANT OR MAKE ANY REPRESENTATION THAT YOUR ACCESS WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT OUR WEB SITES AND MATERIAL ACCESSIBLE FROM OUR WEB SITES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

OUR WEB SITES INCLUDE INFORMATION THAT IS SUBJECT TO CHANGE WITHOUT NOTICE.  WHILE WE DESIRE THAT THE INFORMATION ON OUR WEB SITES BE UP-TO-DATE AND ACCURATE, IT IS YOUR SOLE RESPONSIBILITY TO CONFIRM THE ACCURACY, COMPLETENESS AND RELIABILITY OF SUCH INFORMATION BEFORE ACTING OR RELYING THEREON, OR MAKING ANY INVESTMENT DECISIONS IN CONNECTION THEREWITH, AND YOU MUST EXERCISE YOUR OWN INDEPENDENT INVESTIGATION AND TECHNICAL AND BUSINESS JUDGMENT.  WE ARE NOT RENDERING YOU ANY PROFESSIONAL OR FINANCIAL SERVICES, ADVICE BY VIRTUE OF OUR WEB SITES, OR ANY COMMUNICATIONS IN CONNECTION WITH OUR WEB SITES.  WE DO NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING THE USE OF THE INFORMATION, CONTENT, OR SERVICES ON OUR WEB SITES OR THE ACCURACY OR RELIABILITY OF SUCH INFORMATION, CONTENT, OR SERVICES.  WE RESERVE THE RIGHT, WITHOUT NOTICE, AND AT OUR SOLE DISCRETION, TO DENY ANY USER ACCESS TO OUR WEB SITES OR ANY PORTION THEREOF.  YOUR USE OF OUR WEB SITES IS AT YOUR OWN RISK.

Your Use of Our Web Sites

You may access Our Web Sites to browse and to use our services for only lawful purposes including, but not limited to, (i) logging on to obtain access to our services, materials, and products; (ii) obtaining information about us or our services or products; (iii) contacting us, or (iv) requesting our newsletter.  You may not use or allow others to use Our Web Sites or our services, materials, or products for any unlawful purposes or engage in any activity that harms us or impairs any other user’s use or enjoyment of Our Web Sites, services, materials, or products, subject to our sole determination.  As a condition of your use of Our Web Sites, you represent and warrant to us that you will not use Our Web Sites for any purpose that is unlawful, immoral, or prohibited by these Terms and Conditions and/or other notices.

If you are a subscriber of our services, once you have logged to Our Web Sites, you may be granted a nonexclusive, nontransferable, limited license to access for research purposes the information or materials available on Our Web Sites subject to the specific agreements, policies, instructions, statements, laws, and regulations relating to such services and such materials. 

Only individuals authorized by us may log on and access and use the services, materials, information or products available on Our Web Sites.  You may not use an identification number to log on to or access Our Web Sites from outside the country for which the identification number was issued.  Your identification numbers(s) may be restricted from accessing certain services, materials, or products available on Our Web Sites.  Materials, products, or features may be added to or withdrawn from Our Web Sites or may otherwise be changed without notice. 

Financial

We may make financial information available through Our Web Sites, which may or may not be audited.  The information in Our Web Sites may attempt to predict trends, which may or may not prove to be accurate.  We consider portions of Our Web Sites to be forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of The Securities Exchange Act of 1934, as amended.  Forward-looking statements are inherently subject to risks and uncertainties, many of which cannot be predicted with accuracy, and some of which might not be anticipated.  Future events and actual results, financial and otherwise, may differ materially from the results discussed in any forward-looking statements on Our Web Sites.  Factors that might cause such a difference include, but are not limited to the following: (1) local market conditions; (2) governmental laws and regulations; (3) general economic conditions; (4) interest rates; (5) our ability to obtain favorable financing; and (6) other risks detailed from time to time in filings with the Securities and Exchange Commission.

Third Party Sites

The Product may have links to and from websites hosted by other parties ("Third-Party Sites"). These links are offered as a convenience and for informational purposes only, not as referrals or endorsements by NewsBank of the Third-Party Sites. Third-Party Sites are maintained by their respective organizations, and those organizations are solely responsible for the content of their own websites. NewsBank does not verify or make any warranty or representation about the content, accuracy, opinions expressed, warranties, products or services, intellectual property compliance, or links of such Third-Party Sites. Customer and all Authorized Users should read the privacy policies and terms of use agreements of all Third-Party Sites.

Links

We may, from time to time, provide links to other outside web sites.  We make no endorsement of web sites that link to or from Our Web Sites.  We are not responsible for such linked web sites or the content of any of the linked web sites.  We provide these links as an additional resource for users of Our Web Sites and make no representations regarding the content of any linked web site or any companies that own, control, or manage the linked web sites.  Consequently, we are not responsible for the accuracy, relevancy, copyright compliance, legality, or decency of material contained in, programs used by, or services or products offered by web sites linked to or from Our Web Sites.

Privacy and Security

We take steps to preserve the privacy of personal information you submit over Our Web Sites.  Be advised, however, that the security of the Internet cannot be guaranteed and, therefore, we are not responsible for any unauthorized access to communications that you submit over the Internet.  Please review the NewsBank, inc. Privacy Policy for more information about how we handle personal information.

LIMITATION OF LIABILITY

WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT ARISE OUT OF OR RESULT FROM THE USE OR PERFORMANCE OF, OR THE INABILITY TO USE, OUR WEB SITES OR INFORMATION, SERVICES, OR FUNCTIONS ON SUCH SITES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.  IN NO EVENT WILL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION ARISING OUT OF OR ASSOCIATED WITH OUR WEB SITES, WHETHER IN CONTRACT, TORT, OR OTHERWISE, EXCEED THE LESSER OF $10.00 OR THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING OUR WEB SITES.

A Covered Party (as defined below) shall not be liable for any loss, injury, claim, liability, or damage of any kind resulting in anyway from (a) any errors in or omissions from the materials, information or products available on Our Web Sites (“Online Materials”), (b) the unavailability or interruption of access to Our Web Sites, any features thereof, or any Online Materials, (c) your use of the Online Materials (regardless of whether you received any assistance from a Covered Party in using Our Web Sites or the Online Materials, (d) your use of any equipment in connection with Our Web Sites or the Online Materials, (e) the content of Online Materials, or (f) any delay or failure in performance beyond reasonable control of a Covered Party.

“Covered Parties” means, collectively: (a) the provider of any services available on Our Web Sites, including such provider’s affiliates and any officer, director, employee, subcontractors, agent, successor, or assign of such provider or its affiliates; and (b) each third party supplier of Online Materials, their affiliates, and any officers, director, employee, subcontractor, agent, successor, or assign of any third party supplier of Online Materials or any of their affiliates. 

THE AGGREGATE LIABILITY OF THE COVERED PARTIES IN CONNECTION WITH ANY OTHER CLAIM ARISING OUT OF OR RELATING TO THE USE OF OR ACCESS TO OUR WEB SITES OR ONLINE MATERIALS SHALL NOT EXCEED THE AMOUNT OF YOUR ACTUAL DAMAGES.  YOUR RIGHT TO MONETARY DAMAGES IN THAT AMOUNT SHALL BE IN LIEU OF ALL OTHER REMEDIES WHICH YOU MAY HAVE AGAINST THE COVERED PARTIES.

THE COVERED PARTIES SHALL NOT BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER (INCLUDING, WITHOUT LIMITATION, ATTORNEYS’ FEES) IN ANY WAY DUE TO, RESULTING FROM, OR ARISING IN CONNECTION WITH THE USE OF OR ACCESS TO OUR WEB SITES OR ONLINE MATERIALS, OR THE FAILURE OF ANY COVERED PARTY TO PERFORM ITS OBLIGATIONS, REGARDLESS OF ANY NEGLIGENCE OF THE COVERED PARTIES.

Indemnification

You hereby agree to defend, indemnify, and hold harmless the Covered Parties from and against all claims, damages, awards, and expenses, including attorneys' fees, arising out of or resulting from your use of Our Web Sites.

Choice of Law

These Terms and Conditions, all information on Our Web Sites, and all disputes arising out of, or relating to, Our Web Sites are governed by, and will be construed in accordance with, the laws of the State of Florida and of the United States of America without giving effect to principles of conflicts of law.  The venue for any matter relating to or arising from Our Web Sites will be in a state or federal court of competent jurisdiction in the State of Florida. 

General

Your use of Our Web Sites is unauthorized in any jurisdiction that prohibits full effect to all provisions of these Terms and Conditions, or jurisdictions where any portion of Our Web Sites may violate any law.  You agree not to access Our Web Sites in any such jurisdiction.  To the extent any portion of these Terms and Conditions is determined to be unenforceable by a court of competent jurisdiction, such portion will be modified solely to the extent necessary to cause such portion to be enforceable, and these Terms and Conditions, as modified, will remain in full force and effect.  Any alleged waiver of any breach of this agreement shall not be deemed to be a waiver of any future breach.

This is the entire agreement between NewsBank and you relating to the subject matter herein, and it will not be modified except in writing signed by both parties.  For purposes of these Terms and Conditions, all references to written permission and writings that bind us indicate the physical signature of an officer of NewsBank on a document setting forth the entire agreement of the parties with respect to the subject matter at issue.  These Terms and Conditions supersede all prior communications and proposals, whether electronic, oral, or written, between you and NewsBank with respect to Our Web Sites, except as otherwise indicated herein.

This document was last updated on 08/20/2021.