Terms of Use

These Terms govern access to and use of this website, including all subdomains, successor domains, mirrors, landing pages, and related websites and services (collectively, the "Websites"). IF FOR ANY REASON, YOU ARE UNABLE OR UNWILLING TO AGREE TO ALL OUR TERMS, PLEASE IMMEDIATELY STOP USING OR ATTEMPTING TO USE OUR WEBSITE AND OTHER SERVICES, BECAUSE IF YOU CONTINUE, YOU WILL BE AGREEING TO EVERYTHING IN OUR TERMS OF USE.

BY ACCESSING, BROWSING, OR USING ANY OF THE WEBSITES, YOU AGREE TO BE LEGALLY BOUND BY THESE TERMS WITHOUT LIMITATION OR QUALIFICATION.

These Terms constitute a legally binding agreement between you and us. These Terms protect the Websites and all owners, operators, licensors, affiliates, advertisers, service providers, contractors, agents, representatives, officers, directors, successors, employees, and assigns ("Protected Parties"). We reserve the right, in our discretion, to change or modify all or any part of these Terms at any time, effective immediately upon notice published on this page. Any modification or changes are effective immediately as of the "Last Updated" date. Your use of the Websites constitutes your binding acceptance of these Terms, including any changes or modifications made by us. Please be sure to review these Terms periodically to ensure familiarity with the most current version. If at any time the terms and conditions of these Terms are no longer acceptable to you, you should immediately cease all use of the Websites. It is your responsibility to refer to these Terms upon accessing the Websites, automatically effective upon access to the Websites. No notice, registration, click-through, or affirmative assent is required. Without limiting anything set forth elsewhere in these Terms, you agree that we shall not be liable to you or any third party as a result of any losses suffered by any modification or changes of these Terms or any of our policies.

1. Age Requirements & COPPA

The Websites are directed to teenagers and adults and are not directed to children under the age of 13. You must be 13 years of age or older to use the Websites outside of the European Union and European Economic Area, and 16 years of age or older in the European Union and European Economic Area. We comply with the Children's Online Privacy Protection Act and do not permit registration by, and will not knowingly collect personally identifiable information from, anyone under 13. By accessing the Websites and/or registering for any services, you represent and warrant that you are 13 years of age or older or, if you reside in the European Union or European Economic Area, 16 years of age or older. Additionally, if member registration is required, you must provide true, accurate and complete registration information to become a member of the Services ("Member"). Creating a Member account if you are under the age of 13 outside of the European Union and European Economic Area or 16 in the European Union and European Economic Area, under automated means or under false or fraudulent pretenses constitutes unauthorized use of the Websites, and we will delete such accounts.

2. Informational Purposes Only; No Reliance

All content is provided strictly for informational, educational, commentary, and entertainment purposes only. No content constitutes legal, medical, financial, investment, or professional advice. Any reliance is at your sole risk. You expressly assume all risks associated with accessing or using the Websites, including reliance on content, third-party links, availability, accuracy, and completeness.

3. Access to the Websites

We strive to allow access to the Websites 24 hours a day, 7 days a week, apart from necessary maintenance operations and possible breakdowns. We are only bound by an obligation to make every effort to provide access to the Websites and cannot be held responsible, and declines all responsibility, for any and all inaccessibility of the Website, interruption or temporary stoppage of Websites. This could occur and would not be a violation of its contractual obligations under these Terms or our legal obligations, in particular in terms of the security of personal data, and this, whatever their nature (including without limitation computer viruses, unlawful intrusion into an automated data processing system, temporary stoppage of the service, etc.).

We cannot guarantee the continuity of the Websites, its permanence, or its compatibility with your operating system or your browser. You acknowledge that you are solely responsible for the proper functioning of your equipment.

4. Your Use of Content

You acknowledge that the Websites contain information, software, articles, reviews, content, photographs, audio and video clips, graphics, links, logos, trademarks, the "look and feel" of our Websites, applications and software and other material (collectively, the "Content") protected by copyright, trademark and/or other proprietary rights of us or third parties. All Content on the Websites is protected by applicable copyright laws. You agree to comply with all copyright laws and any copyright notices, information, or restrictions contained in any Content available on or accessed through the Websites. You and other users may use the Content only for their personal, noncommercial use. Businesses, organizations or other legal entities may not become Members, and are not permitted to use the Websites for any purpose, including but not limited to collecting usernames and/or email addresses of Members by electronic or other means for the purpose of sending unsolicited email and unauthorized framing of, or linking to, the Websites or users on the Websites.

Except as expressly permitted, you may not (i) modify, publish, transmit, reproduce, create derivative works from, distribute, perform, display, adapt, aggregate, sell, transfer or in any way exploit any of the Content, code or Material (defined below), in whole or in part, (ii) use any robot, spider, site search and/or retrieval application, or other device to crawl, scrape, database scrape, screen scrape, harvest, gather, extract, retrieve or index any portion of the Services, or (iii) use any text, code, image, audio, video, or other content from any portion of the Services (a) for data set creation, analysis, or manipulation (including activities sometimes called "data mining," "text and data mining," or "TDM") and/or (b) in connection with the development or operation of any software program, including but not limited to any artificial intelligence or machine learning model, software, or process (such as training, fine-tuning, embedding, and the like), either directly or indirectly, including through a third party (including use of a third-party dataset created in any part by prohibited means). Content consisting of downloadable or web-based software may not be reverse engineered unless specifically authorized by the owner of the software's patent and/or copyright. You also agree not to circumvent, disable or otherwise interfere with any security related features of the Websites or the Content, including features that prevent or restrict use or copying, or that enforce limitations on use.

You may download, copy and make any personal, non-commercial use of the Content and use that is expressly permitted by the United States Copyright Act of 1976, as amended ("Copyright Act") and not prohibited by any section of the Copyright Act or by any other applicable law, rule or regulation; provided, however, that you maintain all copyright and other notices contained in such Content; and provided further that you shall not store electronically any significant portion of any Content.

5. Rules of Conduct

We have the right, but not the obligation, to investigate any illegal and/or unauthorized use of the Websites and appropriate legal action may be taken, including without limitation, civil, and injunctive relief. While utilizing the Websites, you may not:

• Use the Websites for any commercial purpose, to distribute any advertising or solicitation of funds or goods and services, or to solicit users to join competitive online services;
• Post on the Websites any links to any external Internet sites that are obscene or pornographic, or display pornographic or sexually explicit material of any kind as determined by us at our sole discretion;
• Post or transmit through the Websites any Material that violates or infringes another person's intellectual property rights (including, but not limited to, third party music, videos, photos or other materials where you do not have written authority from the owner to post or transmit such materials);
• Post or transmit any Material that contains any advertising, promotional materials, "junk mail", "spam", "chain letters", "pyramid schemes" or any other form of solicitation as determined by us at our sole discretion;
• Reformat, frame or mirror any portion of any web page that is part of the Websites;
• Post Material containing restricted or password only access pages, or hidden pages or images (those not linked to or from another accessible page);
• Submit any Material that impersonates a person or entity, falsely implies sponsorship or endorsement of that Material by the Websites, us and/or any third party, falsify or delete any author attributions in any Material, or promote any information that you know is false or misleading;
• Transmit any viruses, worms, defects, Trojan horses or other items of a contaminating or destructive nature through the Websites or otherwise attempt to interfere with the proper working of the Websites or the use and enjoyment of the Websites by other users;
• Promote an illegal or unauthorized copy of another person's copyrighted work, such as providing pirated computer programs or videos or links to them, providing information to circumvent manufacture-installed copy-protect devices, or providing pirated music or links to pirated music files;
• Submit Material, or engage in any activity, that is libelous, defamatory, obscene, pornographic, abusive, harassing, threatening, unlawful, or violates the rights of any third party (including their rights of privacy or publicity) or that promotes or encourages illegal activity, racism, bigotry, hatred, physical harm or discrimination of any kind against any group or individual; or
• Harvest or collect email addresses or other contact information of other users by electronic or other means.

6. Managing Content

Despite our rights outlined herein, you shall remain solely responsible for all Material you post. We have no obligation to evaluate, pre-screen and/or monitor the Material you post, however we reserve the right to edit or remove any Content or Material on the Websites, in whole or in part, and to disclose any information or take any action necessary to satisfy any applicable law, regulation, legal process or governmental request or to protect our rights, property or safety or those of our its users and the public. You understand and agree that you may be exposed to such matters and that you further waive your right to any damages (from any party) related to such exposure.

7. Endorsement & Third-Party Links

WE MAY RECEIVE A COMMISSION, FEE AND/OR OTHER COMPENSATION ON SOME CLICKS OR PURCHASES MADE ON, THROUGH OR LINKED FROM THE WEBSITES. THIS MEANS WE MAY RECEIVE SOME FORM OF COMPENSATION THROUGH AN ARRANGEMENT IT HAS WITH A THIRD PARTY IF YOU (i) CLICK ON CERTAIN ADS OR LINKS ON OUR WEBSITES, OR (ii) PURCHASE A PRODUCT OR SERVICE AFTER CLICKING A LINK.

We do not represent or endorse the accuracy or reliability of any Content or other material posted on any interactive area or elsewhere on the Websites and you acknowledge that any reliance upon such Content or other material shall be at your sole risk. The Websites may contain links to third-party websites and applications. We are not responsible for any third-party websites, applications, or materials, and any use of them is at your own risk.

8. Indemnification

You agree to indemnify, defend and hold us, which includes the Protected Parties, harmless from and against any and all claims, liability, losses, damages, costs and expenses (including attorneys' fees) incurred by any of us in connection with:

• Your use of, or connection to, our Websites;
• Any use or alleged use of your accounts or your passwords by any person, whether or not authorized by you;
• The content, the quality, or the performance of Material that you submit;
• Your violation of these Terms or our privacy policies or any other agreements between you and us;
• Your violation of the rights of any other person or entity; or
• Your violation of any applicable laws, rules or regulations.

9. Termination of Service

We reserve the right, in our sole discretion, to restrict, suspend or terminate your access to all or any part of the Websites at any time for any reason without prior notice or liability. Conversely, you may terminate your access to the Websites at any time by immediately ceasing use of the Websites. Once your access terminates, you will have no right to use the Websites. The terms of these Terms and of any agreement between you and us shall survive any termination of your access.

10. Disclaimer of Warranties; Limitation of Liability

The Websites and the Content are distributed on an "as is, as available" basis. None of us, third party vendors or content providers or their respective agents makes any 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, with respect to the Websites, any Content or any products or services sold through the Websites.

We specifically disclaim any liability, whether based in contract, tort, strict liability or otherwise. We, any third party content provider and their respective agents shall not be liable for any direct, indirect, incidental, special or consequential damages arising out of the use of or inability to use the Websites.

If, notwithstanding the other provisions of this agreement, we are found to be liable to you for any damage or loss which arises out of or is any way connected to these terms or in relation to the websites, either for breach of contract, breach of warranty, misrepresentation or negligence, our maximum aggregate liability for any single event (or a series of related events) shall in no event exceed one hundred U.S. dollars ($100.00).

11. International Use

We make no claims that any Material, Websites or any Content is appropriate or may be downloaded outside of the United States or outside the country where such Material, Websites or any Content was produced. Access to the Material, Websites or any Content may not be legal in certain countries or for certain persons. If you access any Material, Websites or Content from outside of the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.

12. Binding Arbitration

In the unlikely event that you and us are unable to resolve a dispute through informal resolution procedures, we each agree to resolve the dispute through binding arbitration or small claims court instead of in courts of general jurisdiction.

Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, allows for more limited discovery than in court, and is subject to very limited review by courts. Unless expressly limited by this arbitration provision, arbitrators can award the same damages and relief that a court can award.

Arbitration Agreement

To the fullest extent permitted by applicable law, you and us agree to arbitrate all disputes and claims between us, except for claims arising from bodily injury or that pertain to enforcing, protecting, or the validity of your or our intellectual property rights. This Arbitration Agreement is intended to be broadly interpreted.

Pre-Arbitration Notice

You and we agree that good-faith, informal efforts to resolve disputes often can result in a prompt, cost-effective and mutually beneficial outcome. A party who intends to initiate arbitration must first send a written Notice of Dispute to: [email protected]

Arbitration Rules and Forum

The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement. The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association ("AAA") and, where appropriate, the AAA's Supplementary Procedures for Consumer Related Disputes. The arbitration will be conducted in English in San Juan, Puerto Rico.

Limitation Period

Any cause of action or claim you may have arising out of or relating to these terms or your use of the website must be commenced within one (1) year after the cause of action accrues; otherwise, such cause of action or claim is permanently barred.

13. Class Action and Jury Trial Waiver

You and we agree that, to the fullest extent permitted by law, each party may bring claims (whether in court or in arbitration) against the other only in an individual capacity, and not participate as a plaintiff, claimant, or class member in any class, collective, consolidated, private attorney general, or representative proceeding. To the fullest extent permitted by law, you and we waive any right to a jury trial.

14. Limitation Period for Claims

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 our Websites or the Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred.

15. Fee-Shifting for Frivolous or Bad-Faith Claims

To the fullest extent permitted by applicable law, if any claim, dispute, or arbitration demand is determined to be frivolous, groundless, brought in bad faith, or brought for an improper purpose, you agree to reimburse and pay all fees, costs, and expenses incurred by the Protected Parties, including attorneys' fees, arbitration fees, administrative costs, expert fees, and enforcement costs.

16. Governing Law and Venue

These Terms and your access to and use of the Websites shall be governed by and construed and enforced in accordance with the laws of the Commonwealth of Puerto Rico (without regard to conflict of law rules or principles of any other jurisdiction that would cause the application of the laws of any other jurisdiction). Any dispute between the parties that is not subject to arbitration as set forth in the Arbitration Agreement above or cannot be heard in small claims court, shall be resolved in the state or federal courts in the Commonwealth of Puerto Rico, and the United States.

17. Severability

If any term, clause, or provision of these Terms is held invalid or unenforceable, then that term, clause, or provision will be severable from these Terms and will not affect the validity or enforceability of any remaining part of that term, clause, or provision, or any other term, clause, or provision of these Terms.

18. Survival

All sections which by their nature should survive the termination of these Terms shall continue in full force and effect subsequent to and notwithstanding any termination of these Terms by us or you. Termination will not limit any of our rights or remedies at law or in equity.

19. Miscellaneous

These Terms (and any other applicable terms or policies between you and us) constitute the entire agreement between you and us relating to your access to and use of the Websites. These Terms, and any rights and licenses granted hereunder, may not be transferred or assigned by you without our prior written consent, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

The Websites are operated by us in the United States. Those who choose to access the Websites from locations outside the United States do so at their own initiative and are responsible for compliance with applicable local laws.

Contact Information

For questions regarding these Terms of Use, please email: [email protected]

For dispute notices, please email: [email protected]