Please read these Terms of Use (“Terms”) carefully. This website (“Site”) includes the website located at sladvisory.net and any other website or service of SL Advisory, LLC or its subsidiaries and affiliated companies (collectively “SL Advisory”). SL Advisory provides this Site to you and any other person or entity on whose behalf you accept these Terms (collectively “You”), subject to these Terms. These Terms are entered into by and between SL Advisory and You, and You accept them by accessing or using the Site in any manner. If You do not agree to all of these Terms, You may not use this Site. 

The Site is intended for use by individuals 13 years of age or older. If You are under 18, You may use this Site only with involvement of a parent or guardian.

SL Advisory may change or modify these Terms or any policy or guideline of this Site, at any time and in its sole discretion. Your use of our Site following any changes constitutes your agreement to follow and be bound by the Terms as modified. You should review these Terms and applicable policies from time to time to understand the Terms and conditions that apply to your use of the Site. We may change, move or delete portions of, or may add to, our Site from time to time. If You do not agree to the amended Terms, You must stop using the Site.

Choice of law/jurisdiction

These Terms supersede any other agreement between You and us to the extent necessary to resolve any inconsistency or ambiguity between them. These Terms will be governed by and construed in accordance with the laws of the State of Connecticut, without giving effect to any principles of conflicts of laws and any conflict shall be resolved exclusively in the state and federal courts sitting in the state of Connecticut, United States of America. A printed version of these Terms shall be admissible in judicial and administrative proceedings based upon or relating to these Terms to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

WHERE PERMITTED UNDER APPLICABLE LAW, YOU AND SL Advisory AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER RELATING TO THE USE OF THIS SITE IN AN INDIVIDUAL CAPACITY AND NOT AS PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. BY USING THE SITE YOU HEREBY IRREVOCABLY WAIVE THE RIGHT TO JOIN CLAIMS WITH OTHERS IN THE FORM OF A CLASS ACTION OR SIMILAR PROCEDURAL DEVICE AGAINT SL Advisory.

Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. If any provision of the Terms is deemed invalid, the parties agree that the remainder of the agreement shall remain in force and be interpreted to give effect to the intent of the parties reflected in the provisions hereof.

Submissions by You

You agree that You are solely responsible for any material posted or submitted by You. You represent and warrant that You own or otherwise control all of the rights to material submitted by You and that no use of such material by SL Advisory will infringe or violate any rights of any third party. You agree to defend, indemnify and hold SL Advisory and its affiliated, subsidiaries, agents, representatives, employees, officers, directors, licensees, sponsors, partners, suppliers and contractors (collectively “Affiliates”) harmless from and against any and all claims, liabilities, damages, costs and expenses (including reasonable attorneys’ fees and legal costs) arising from or in connection with any material posted or submitted by You. SL Advisory reserves the right, at any time and in its sole discretion, to delete, move or edit any material posted or submitted by You. 

All comments, feedback, suggestions, ideas and other submissions disclosed, submitted or offered by You to SL Advisory on this Site or otherwise disclosed, submitted or offered in connection with Your use of this Site (collectively “Comments”) shall be and remain SL Advisory’s property. Any such disclosure or submission of Comments shall constitute an assignment to SL Advisory of all worldwide rights, titles and interests in all copyrights and other intellectual properties in the Comments. SL Advisory will own exclusively all such rights, titles and interests and shall not be limited in any way in its use, commercial or otherwise, of any Comments. SL Advisory is and shall be under no obligation to (1) maintain Comments in confidence; (2) pay any compensation for Comments; or (3) respond to any Comments. 

Intellectual Property Rights

All material, content and information (collectively “Content”) on the Site shall be and remain the property of SL Advisory or its respective owners. SL Advisory owns or has rights to all wallpaper, icons, characters, artwork, images, graphics, music, text, software and other material of the Site and all code and scripts in any format used to implement the Site. Except as otherwise indicated on this Site, you agree not to copy, reproduce, sell, distribute, mirror, republish, upload, download, transmit, display for redistribution or create derivative works of the Content or the Site, in whole or in part, by any means. All Content on this Site is the exclusive property of SL Advisory and is protected by U.S. and international copyright, trademark and other proprietary and industrial property laws. 

“SL Advisory Trademarks” means all names, marks, brands, logos, designs, trade dress, slogans, graphics and other designations SL Advisory uses in connection with its products and services. You may not remove or alter any SL Advisory Trademarks, or use the SL Advisory Trademarks, without SL Advisory’s prior written consent. You acknowledge SL Advisory’s rights in SL Advisory Trademarks and agree that any use of SL Advisory Trademarks by You shall inure to SL Advisory’s sole benefit.

Disclaimer of Warranties

While SL Advisory attempts to provide accurate information, there may be inadvertent inaccuracies or errors contained in the Site. SL Advisory may correct or change information on the Site without notice. You assume all responsibility and risk with respect to use of the Site.  

SL Advisory DISCLAIMS ALL WARRANTIES AND REPRESENTATIONS, EXPRESS OR IMPLIED, REGARDING INFORMATION CONTAINED IN OR ACCESSED FROM THE SITE, INCLUDING, BUT NOT LIMITED TO, ALL EXPRESS AND IMPLIED WARRANTIES, SUCH AS WARRANTY OF TITLE, MERCHANTABILITY, NON-INFRINGEMENT AND FITNESS FOR A PARTICULAR PURPOSE. SL Advisory DOES NOT WARRANT THAT THE SITE IS FREE OF DEFECTS OR HARMFUL COMPONENTS AND IN PROVIDED “AS IS.” SL Advisory DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT ERRORS WILL BE CORRECTED. SL Advisory DOES NOT ASSUME ANY LIABILITY FOR THE ACCURACY OR COMPLETENESS OF THE INFORMATION DISCLOSED OR ACCESSED THROUGH THE SITE. IT IS YOUR RESPONSIBILITY TO VERIFY ANY INFORMATION CONTAINED ON THE SITE BEFORE RELYING UPON IT. 

Limitation of Liability

IN NO EVENT SHALL SL Advisory, ITS AFFILIATES OR ANY OF ITS RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTENT PROVIDERS OR SERVICE PROVIDERS BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, LOSSES OR ANY OTHER DAMAGES OF WHATEVER KIND (INCLUDING, BUT NOT LIMITED TO, LOSS OF USE, LOST PROFITS, LOSS OF DATA OR INFORMATION, OR LOSS OF BUSINESS GOODWILL OR OPPORTUNITY, WHETHER TANGIBLE OR INTANGIBLE) RESULTING FROM WHATEVER CAUSE, WHETHER IN AN ACTION UNDER THEORIES OF CONTRACT, TORT OR OTHERWISE, ARISING OUT OF OR IN ANY WAY RELATING TO THE USE OR PERFORMANCE OF THE INFORMATION ON, OR ACCESSED THROUGH, THE SITE.

Consent to Privacy Policy

By using this Site, You agree to comply with all applicable laws and regulations, these Terms, and SL Advisory’s Privacy Policy located at https://sladvisory.net/privacy-policy, with respect to any access, use and/or submission by You of any personal information in connection with this Site.

Miscellaneous

Notice to California Residents

Under California Civil Code Section 1789.3, California residents are entitled to the following specific consumer rights information:

The provider of the Site is SL Advisory, LLC, 546 Haviland Road, Stamford, CT 06903.

To file a complaint regarding the Site or to receive further information regarding use of the Site, send a letter to the above address or contact SL Advisory via e-mail at info@sladvisory.net (with “California Resident Request” as the subject line). You may also contact the Complaint Assistance Unit of the Division of Consumer Services of the Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento CA 95834 or by telephone at 800.952.5210.