By accessing and using the Investeens web site you agree to follow and be bound by these Terms of Use. If you do not agree with any of these terms, do not use the Investeens web site. Investeens may change these Terms of Use at any time without prior notice. Your use of this web site following any such change constitutes your agreement to follow and be bound by the revised Terms of Use. Therefore, we encourage you to review these Terms of Use whenever you visit Investeens.

Copyright Notice
All Content included on this site, including but not limited to glossary entries, blogs, and articles, is the property of Thomas J. Barrella or the site’s content suppliers and is protected by U.S. and international copyright laws. The compilation (meaning the collection, arrangement, and assembly) of all Content on this site is the exclusive property of Thomas J. Barrella is and protected by U.S. and international copyright laws.

The Investeens web site, and the site as a whole, is intended solely for personal, noncommercial use by visitors. You may download, print, and store selected portions of the content, provided you (1) only use these copies of the content for your own personal, non-commercial use (which use may include distribution by a teacher to students in a classroom setting), (2) do not copy or post the content on any network computer or broadcast the content in any media, and (3) do not modify or alter the content in any way, or delete or change any copyright or trademark notice. No right, title, or interest in any downloaded materials is transferred to you as a result of any such downloading. Complete title and full intellectual property rights in any content you download from this web site remains with Thomas J. Barrella, Investeens, or its content suppliers. Except as noted above, any other use, including the reproduction, modification, distribution, transmission, republication, display, or performance, of the content on this site is strictly prohibited.

Errors, Inaccuracies, and Generalizations
The information on the Investeens web site may contain typographical errors or inaccuracies and may not be complete or current. We therefore reserve the right to correct any errors, inaccuracies, or omissions and to change or update information at any time without prior notice.  In addition, given the focus of the site on basic investing and financial education, the definitions, examples, illustrations and discussions on Investeens are not meant to be exhaustive with regard to their subject matter. Nothing on the Investeens should be construed as constituting personal financial advice. Visitors should contact a financial professional to address their individual needs.

Disclaimers
THIS SITE AND ALL CONTENTS OF THE SITE ARE PROVIDED ON AN “AS IS” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. YOU ACKNOWLEDGE, BY YOUR USE OF THE SITE, THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK, THAT YOU ASSUME FULL RESPONSIBILITY FOR ALL COSTS ASSOCIATED WITH ALL NECESSARY SERVICING OR REPAIRS OF ANY EQUIPMENT YOU USE IN CONNECTION WITH YOUR USE OF OUR SITE, AND THAT INVESTEENS AND THOMAS J. BARRELLA SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND RELATED TO YOUR USE OF THIS SITE.

Limitation of Liability
THOMAS J. BARRELLA, INVESTEENS, AND ALL ITS EMPLOYEES, DIRECTORS, OFFICERS, AGENTS, VENDORS, OR SUPPLIERS WILL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH THE USE OF OR INABILITY TO USE THE INVESTEENS WEB SITE.

IF YOU ARE DISSATISFIED WITH THE INVESTEENS WEB SITE OR ANY CONTENT ON THE SITE, OR WITH THESE TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE INVESTEENS WEB SITE. YOU ACKNOWLEDGE, BY YOUR USE OF THE WEB SITE, THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK.

Applicable Law
This site is created and controlled by Thomas J. Barrella in the State of New York, USA. As such, the laws of the State of New York will govern these disclaimers, terms, and conditions, without giving effect to any principles of conflicts of laws. You agree that your use of the site will be governed exclusively by the laws of the State of New York. You also agree that any legal or equitable claims against the Thomas J. Barrella and/or Investeens must be brought in the state or federal courts located in New York.