NOTICE
Please review these Terms periodically, as they are subject to change. If you have questions about these Terms, please contact us.

INFORMATION COLLECTED BY personalpays.com, AND USE OF THE WEBSITE
You may visit the Site and read about personalpays.com's products and services, read our corporate information and get news about us without providing any personal information.

PERSONALPAYS.COM PROPRIETARY RIGHTS AND LIMITED LICENSES
You acknowledge and agree that the Service and any necessary software used in connection with the Service ("Software") contain proprietary and confidential information that is protected by applicable intellectual property and other laws and, as between You and PERSONALPAYS.COM, PERSONALPAYS.COM shall own all rights, title and interest in and to the Service and the Software, subject only to the express licenses granted herein. The content contained in the Information and Investments presented to You through the Service is protected by copyrights, trademarks, service marks, patents, trade secrets, or other proprietary rights and laws. Except as expressly authorized by PERSONALPAYS.COM, You may not modify, rent, lease, loan, sell, distribute or create derivative works based on the Service, Software, Investments, or Information in whole or in part. Subject to the Terms, PERSONALPAYS.COM grants You a personal, non-transferable and non-exclusive right and license to use the Site on a single computer at a time. You may not and may not allow any third party to, copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Site or any part thereof. You agree not to modify the Site in any manner or form, or to use modified versions of the Site, including without limitation for the purpose of obtaining unauthorized access to the Service. You agree to use the Site and any Information only for personal, non-commercial purposes.

TRADEMARK INFORMATION
The PERSONALPAYS.COM and the PERSONALPAYS.COM logo and other PERSONALPAYS.COM product and service names are trademarks of PERSONALPAYS.COM. The use of the name of any "legendary investor" appearing on this Site is solely to identify PERSONALPAYS.COM's interpretation of such investor's investment methodology, as derived from published sources. The use of such names is not intended to suggest or imply any affiliation with or endorsement of, or even any agreement with, the information displayed on this Site by such persons, or any knowledge or approval by such persons of the content on this Site. All trademarks, service marks and trade names appearing on this Site are the property of their respective owners.

INTERNATIONAL USE
The purpose of this Site is for information distribution on products and Services. Any communications with prospective clients residing in states or international jurisdictions where PERSONALPAYS.COM is not authorized, registered or licensed shall be limited so as not to trigger authorization, registration or licensing requirements. Recognizing the global nature of the Internet, You agree to comply with all applicable local laws and rules regarding online conduct and acceptable User Content. Without limiting the generality of the foregoing, You agree to comply with all applicable laws regarding the transmission of technical data exported from the country in which You reside.

AVAILABILITY
This Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. Technical problems affecting the Service or other situations on this Site can result in the Service being temporarily or permanently suspended. Service may not be available at all times due to regular maintenance, upgrades, technical problems, and other reasons.

USE OF INFORMATION AND MATERIALS
Unauthorized use of the PERSONALPAYS.COM Webite, including but not limited to unauthorized entry into PERSONALPAYS.COM's systems or the Client Area, misuse of Services or passwords, or malicious posting of any information on the Site is strictly prohibited. Not all products and Services are available in all geographic areas. Your eligibility for particular products and Services is subject to final approval by PERSONALPAYS.COM and/or its affiliates.

NO RESALE OF SERVICE
You agree not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion of the Service, use of the Service or access to the Service.

ADDITIONAL TERMS
Certain sections or pages on this Site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by PERSONALPAYS.COM, unless otherwise indicated.