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Terms of Use and Privacy Policy


 
  • Terms of Use
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  • Privacy Policy
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    Terms of Use

    This statement covers the website www.bankerslub.com (“Bankers Club of San Francisco”) and any associated content including forums, email and rss. Please read this statement carefully before using proceeding to access Bankers Club of San Francisco. Your use of Bankers Club of San Francisco indicates your agreement to abide by the Terms in effect.

    1. Changes to Terms of Use.

    We may change the terms of this document at any time. Subscribers will be notified of changes electronically.

    2. Privacy.

    Registration data and other information about you are subject to our Privacy Policy. Your information may be stored and processed in the United States or any other country where Bankers Club of San Francisco, its affiliates, and its service providers have facilities; and by subscribing to our service, you consent to the transfer of information outside of your country.

    3. Limitations on Use.

    You agree not to use the services for any unlawful purpose. Communications posted to the forum(s) are subject to all federal and state laws, including those related to libel, slander, antitrust, trademark, copyright, patent, contract, confidentiality, property rights and unfair competition.

    4. Third Party Web Sites, Services and Software.

    We may link to, or promote, web sites or services from other companies, along with relevant commentary to provide our visitors with a digest of current news stories, or offer you the ability to download software from other companies. By providing links to other sites, Bankers Club of San Francisco does not guarantee, approve or endorse the information or products available at these sites, nor does a link indicate any association with or endorsement by the linked site to Bankers Club of San Francisco.

    Bankers Club of San Francisco does not operate or control and has no responsibility for the information, products and/or services found on any external sites. Nor do we represent or endorse the accuracy or reliability of any information, products and/or services provided on or through any external sites, including, without limitation, warranties of any kind, either express or implied, warranties of title or non-infringement or implied warranties of merchantability or fitness for a particular purpose.

    Visitors to Bankers Club of San Francisco assume complete responsibility and risk in your use of any external sites. Visitors should direct any concerns regarding any external link to its site administrator or webmaster.

    You agree that we are not responsible for, and do not control, those web sites, services and software.

    5. Comments, Forums and Discussion Terms of Use

    In order to make our site services interesting and informative for our users, the following guidelines must be adhered to by all users posting and/or viewing comments:

    • If a comment is made using your identity it will be deemed to have been posted by you.
    • Do not post abusive, obscene, threatening, harassing, defamatory,libelous, offensive or sexually explicit material.
    • Do not intentionally make, false or misleading statements.
    • Do not offer to sell or buy any product or service.
    • Do not post material that infringes copyright.
    • Do not post information that you know to be confidential or sensitive or otherwise in breach of the law.
    • Keep all comments relevant and 'on topic' to the particular Bankers Club of San Francisco posting open for comments.
    • Bankers Club of San Francisco will not accept responsibility for information posted in the forums.

    If Bankers Club of San Francisco receives notice that any posting is not in keeping with these terms and conditions or the intended use of the Forums, Bankers Club of San Francisco may remove that posting and/or any other related postings.

    Please note that unless Bankers Club of San Francisco is notified of a posting that is not in keeping with these terms and conditions then we will not remove it, furthermore we do not exercise any form of editorial control or censorship of Forums other than the above stated procedure.

    6. DISCLAIMERS OF WARRANTIES AND LIMITATIONS ON LIABILITY.

    YOU AGREE THAT YOUR ACCESS TO, AND USE OF, THE SERVICES AND THE CONTENT AVAILABLE THROUGH THE SERVICES IS ON AN "AS-IS", "AS AVAILABLE" BASIS AND WE SPECIFICALLY DISCLAIM ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY REPRESENTATIONS OR WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. BANKERS CLUB OF SAN FRANCISCO DOES NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE OR CORRECT, THAT THE WEBSITE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, AND ANY DEFECTS IN THE WEBSITE OR ERRORS IN THE CONTENT WILL BE CORRECTED.

    BANKERS CLUB OF SAN FRANCISCO, ITS AFFILIATES, PARTNERS, ADVISORS, DIRECTORS, OFFICERS, EMPLOYEES AND LICENSORS ("THE BANKERS CLUB OF SAN FRANCISCO PARTIES") WILL NOT BE LIABLE (JOINTLY OR SEVERALLY) TO YOU OR ANY OTHER PERSON AS A RESULT OF YOUR ACCESS OR USE OF THE WEBSITE FOR INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING, WITHOUT LIMITATION, LOST PROFITS, LOST SAVINGS AND LOST REVENUES (COLLECTIVELY, THE "EXCLUDED DAMAGES"), WHETHER OR NOT CHARACTERIZED IN NEGLIGENCE, TORT, CONTRACT, OR OTHER THEORY OF LIABILITY, EVEN IF ANY OF THE Bankers Club of San Francisco PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF OR COULD HAVE FORESEEN ANY OF THE EXCLUDED DAMAGES, AND IRRESPECTIVE OF ANY FAILURE OF AN ESSENTIAL PURPOSE OF A LIMITED REMEDY. IF ANY APPLICABLE AUTHORITY HOLDS ANY PORTION OF THIS SECTION TO BE UNENFORCEABLE, THEN THE BANKERS CLUB OF SAN FRANCISCO PARTIES' LIABILITY WILL BE LIMITED TO THE FULLEST POSSIBLE EXTENT PERMITTED BY APPLICABLE LAW.

    7. Additional Terms and Notices.

    Use of the website, its services, and communications are at the sole risk of subscribers and website visitors. Bankers Club of San Francisco does not assume responsibility for computer systems, hardware, software or program malfunctions, computer viruses or worms, or other errors, failures, omissions, interruptions, deletions, delayed computer transactions or network connections resulting from or related to the use of the website and/or electronic communications distributed by Bankers Club of San Francisco.

    8. Ownership Rights

    The works of authorship contained in this World Wide Web Site in the domain "www.bankerslub.com", including but not limited to, all design, text and images are owned, except as otherwise expressly stated, by the Bankers Club of San Francisco.

    THIS AGREEMENT WAS LAST UPDATED ON JANUARY 1, 2007.

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    Privacy Policy

    General

    The Bankers Club of San Francisco is committed to maintaining the privacy of personal information that you provide to us when visiting the Bankers Club of San Francisco website. This Privacy Policy describes how we treat personal information received about you when you visit or subscribe to our services.

    We may make content or services explicitly linked from other Web sites including affiliated or co-branded Web sites available to you. These other Web sites are not subject to this Privacy Policy. We recommend that you review the privacy policy at each such Web site to determine how that site protects your privacy.

    Information We Collect

    General:
    When you register, and at other times, we will collect personally identifiable information from you that may include your name, address, e-mail address, and facts about your computers, profession and similar information. We do not, however, knowingly collect personal information from children under the age of thirteen.

    Surveys:
    We may conduct occasional online surveys utilizing website forms or distributed via e-mail. These surveys are entirely voluntary and you may easily decline to participate.

    Web Site Usage Information:
    We automatically collect IP addresses and Web site usage information from you when you visit our website. This information helps us evaluate how our visitors and subscribers use and navigate our Web sites, including the number and frequency of visitors and subscribers to each Web page, and the length of their visits.

    How We Use Information Collected

    We may use information in the following ways:

    • For the purposes for which you specifically provided the information including, for example, to enable us to process, validate and verify subscriptions.
    • To send you e-mail notifications about our new or existing products and services, special offers, or to otherwise contact you.
    • To enhance existing features or develop new features, products and services.
    • To provide advertisers and other third parties with aggregate information about our user base and usage patterns.
    • To allow us to personalize the content and advertising that you and others see based on personal characteristics or preferences.

    We may combine the information that we collect from you with information that you provide to us in connection with your use of our products, services and Web sites.

    We may hire other companies to perform services on our behalf including, without limitation, facilitating some operational aspects of our website, sending e-mail, and fulfilling requests. These other companies may be supplied with or have access to your personally identifiable information solely for the purpose of providing these services to us or on our behalf.

    We may use third parties, called third-party ad servers or ad networks, to deliver ads to you on our behalf. These third-party ad servers may be supplied with or have access to your personally identifiable information solely for the purpose of providing these services to us or on our behalf. They also may also collect and use non-personally identifiable information about your visits in order to present advertisements that may be of interest to you. If you would like more information about this practice or to opt out of having this information used by third-party ad servers to provide targeted ads, please visit the networkadvertising.org website.

    Except as specifically set forth in this Privacy Policy, we will not share your personally identifiable information outside of Bankers Club of San Francisco unless you "opt in" to having your personally identifiable information shared with a company that is not affiliated with us.

    We may disclose and use personally identifiable information in special circumstances where it is necessary to enforce our subscriber policies or Terms of Use (for example, when necessary to protect our intellectual property rights). We may also disclose or use your personal information when we, in good faith, believe that the law requires us to do so.

    Cookies and Web Beacons

    We employ cookie technology. A cookie is a small file that is sent to your computer by a site's server. A cookie can be a record of your visit to a site, including information such as your username, registration information, time of last visit, pages viewed, etc. A cookie created by one site's servers can be retrieved only by that site's servers. We use web beacons (invisible images often referred to as pixel tags or clear GIFs) on our site in order to recognize users and assess traffic patterns. We also include Web beacons in our e-mail messages including newsletters in order to count how many e-mail messages have been opened.

    Ads for Bankers Club of San Francisco

    When you view an ad for Bankers Club of San Francisco on other sites, our third-party advertising company may place or recognize a unique cookie on your browser. Bankers Club of San Francisco and our advertising company may also use Web beacons (invisible images often referred to as pixel tags or clear GIFs) to note which website pages you visit after viewing our ads. The information that is collected through the use of these images is not personally identifiable and is used only to track response to our advertising efforts.

    Security

    The personally identifiable information we collect about you is stored in limited-access servers. We will maintain safeguards to protect the security of these servers and your personally identifiable information.

    Review and Correction

    You may review and update the personally identifiable information/registration information that you have provided to us by by clicking the "Update Profile" link in our e-mail communications, after which you will receive an e-mail message with instructions.

    Policy Modifications

    We may change this Privacy Policy from time to time. We will post any changes here, so be sure to check back periodically.

    Transfer to U.S. or Other Countries

    Your information may be stored and processed in the United States or any other country where Bankers Club of San Francisco or its service providers has facilities, and by subscribing to our services, you consent to the transfer of information outside of your country.

    Comments and Questions

    If you have any questions, comments or concerns about our Privacy Policy, you may contact us at info@bankerslub.com.

    THIS POLICY WAS LAST UPDATED ON JANUARY 1, 2007.

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