GuruFocus TERM of USE
PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING OR OBTAINING ANY MATERIALS, INFORMATION, PRODUCTS OR SERVICES THROUGH THIS SITE. GuruFocus.com. ("we" or "us") offers access to and use of our site to you subject to your acceptance of these terms and conditions. By accessing, using or obtaining any content, data, materials, information, products or services through our site, you agree to observe these terms and conditions. If you do not accept all of these terms and conditions, then please leave our site now.

Ownership
GuruFocus.com LLC. and/or its third party content providers ("Content Providers") owns and has copyrights on our site and all of its contents. Trademarks, logos and service marks displayed on our site are our registered and common law trademarks. Your use of and access to our site does not grant you any license or right to use any of the trademarks. You will not use any robot, spider, other automatic device, or manual process to monitor materials available through our site.

You will not copy, reproduce, republish, upload, post, transmit, distribute, sell, transfer or modify any of the content, data, information or materials found on our site without proper credit and links to GuruFocus.com.

Articles
When republishing our data or artcles, you will not publish the complete data or the complete articles. You will republish only the first part or paragraph of the data and articles, and link to our site for the complete data, articles, or other information. Proper credit must be given to GuruFocus where those data or articles are used.

Data, Charts and Images
You can use or embed the data, the charts and images on GuruFocus.com in your own websites or third party websites, printing materials, emails. All data, charts and images must be used "As Is". No modification should be made to the charts or images. Proper credit must be given to GuruFocus.com where the data, charts, and/or images are used.

Privacy
Your use of our site is subject to our Privacy Policy. You have read that privacy policy and it is reasonable and acceptable to you. Your acceptance of these Terms is also your consent to the information practices in our privacy policy.

Investment Risk
An investment in stocks could lose money over short or even long periods. You should expect stock prices and returns may have large range fluctuations. NO GURANTEE CAN BE MADE IF YOU INVEST BASED ON THE INFORMATION PROVIDED ON THIS WEBSITE.

Warranty Disclaimer
WE MAKE NO WARRANTY OF ANY KIND REGARDING OUR SITE AND/OR ANY CONTENT, DATA, MATERIALS, INFORMATION, PRODUCTS OR SERVICES PROVIDED ON OUR SITE, ALL OF WHICH ARE PROVIDED ON AN "AS IS" BASIS. WE EXPRESSLY DISCLAIM ANY REPRESENTATION OR WARRANTY THAT OUR SITE WILL BE ERROR-FREE, SECURE OR UNINTERRUPTED. WE FURTHER DISCLAIM ANY WARRANTY AS TO THE ACCURACY, COMPLETENESS AND TIMELINESS OF ANY CONTENT OR INFORMATION FOUND ON OUR SITE.

Liability Disclaimer
IN NO EVENT SHALL GURUFOUCS.COM BE LIABLE FOR ANY INVESTMENT GAIN/LOSS YOU INCUR DURING YOUR INVESTMENT IN THE STOCK MARKET. INVESTING IN STOCKS IS RISKY. THE PAST PERFORMANCES OF ANY PERSON(S) DO NOT GUARANTEE THEIR FUTURE PERFORMANCES. IF YOU INVEST BASED ON THE INFORMATION PROVIDED AT THIS WEBSITE, IT MEANS THAT YOU ACCEPT THE TERMS AND CONDITIONS OF USING THIS WEBSITE. YOU ARE RESPONSIBLE FOR ANY OF YOUR OWN ACTIONS. FURTHERMORE, IN NO EVENT SHALL GuruFocus.com LLC. BE LIABLE FOR (A) ANY DAMAGES TO OR VIRUSES THAT MAY INFECT YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY AS THE RESULT OF YOUR ACCESS TO, USE OF OR BROWSING IN OUR SITE OR YOUR DOWNLOADING OF ANY CONTENT, INFORMATION, MATERIALS, DATA, TEXT OR IMAGES FROM OUR SITE OR (B) ANY INJURY, LOSS, CLAIM, DAMAGE, OR ANY SPECIAL, EXEMPLARY, PUNITIVE, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING WITHOUT LIMITATION LOST PROFITS OR LOST SAVINGS), WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, THAT ARISES OUT OF OR IS IN ANY WAY CONNECTED WITH (I) ANY USE OF OUR SITE OR CONTENT, DATA, MATERIALS OR INFORMATION FOUND THEREIN, (II) ANY FAILURE OR DELAY IN USE OF OR INABILITY TO USE ANY COMPONENT OF THIS SITE, OR (III) THE PERFORMANCE OR NON-PERFORMANCE BY US OR ANY THIRD-PARTY PROVIDER TO OUR SITE, EVEN IF WE HAVE BEEN, OR A THIRD-PARTY PROVIDER HAS BEEN, ADVISED OF THE POSSIBILITY OF DAMAGES TO SUCH PARTIES OR ANY OTHER PARTY.

This disclaimer of liability applies to any damages or injury caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access to, alteration of, or use of record, whether for breach of contract, tortuous behavior, negligence, or under any other cause of action.

Indemnification
You will defend and indemnify us and any of our officers and employees from and against any claim, cause of action or demand, including without limitation reasonable legal and accounting fees, brought by you or on your behalf in excess of the liability described above or by third parties as a result of your breach of these terms and conditions or the documents made part of these terms and conditions by reference, your violation of any law or the rights of a third party or your use of our site.

License
If you submit material to this site or to GuruFocus.com or its representative, unless GuruFocus.com indicates otherwise, you grant GuruFocus.com, its affiliates, and representatives a nonexclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, copy, and display such content throughout the world in any form, media, or technology now known or hereafter developed. You also permit any other user to access, store, or reproduce such material for that user's personal use. You grant GuruFocus.com and its affiliates, representatives, and sublicensees the right to use the name that you submit in connection with such content. You represent and warrant that you own or otherwise control all of the rights to the material that you submit; that the material you submit is truthful and accurate; that use of the material you supply does not violate this TOS and will not cause injury to any person or entity; and that you will indemnify GuruFocus.com and its affiliates for all claims resulting from material you supply. GuruFocus.com takes no responsibility and assumes no liability for any material submitted by you or any third party. No Unlawful or Prohibited Use

As a condition of your use of GuruFocus.com, you warrant that you will not use GuruFocus.com for any purpose that is unlawful or prohibited by these terms, conditions, and notices.

Registration and Account Creation
As part of the registration and account creation process necessary to obtain access to certain portions of the Service, including those portions that require a fee or payment for access, you will select a username and a password. You will provide GuruFocus.com with certain registration information, all of which must be accurate, truthful, and updated. You shall not: (i) select a username already used by another person; (ii) use a username in which another person has rights without such person's authorization; or (iii) use a username or password that GuruFocus.com, in its sole discretion, deems offensive or inappropriate. GuruFocus.com reserves the right to deny creation of your account based on GuruFocus.com's inability to verify the authenticity of your registration information. You shall be solely responsible for maintaining the confidentiality of your password. You shall immediately notify GuruFocus.com by submitting FEEDBACK of any known or suspected unauthorized use(s) of your account, or any known or suspected breach of security, including loss, theft, or unauthorized disclosure of your password or credit card information. You are fully responsible for all usage and activity on your GuruFocus.com account, including, but not limited to, use of the account by any third party authorized by you to use your username and password. The use of your account by any individual under age eighteen (18) is strictly prohibited. If the computer system on which you accessed the Service is sold or transferred to another party, you warrant and represent that you will delete all cookies and software files obtained by or through use of the Service. GuruFocus.com reserves the right to terminate your account, in its sole discretion, at any time without notice. You may terminate your account at any time by submitting feedback. You are responsible for all charges incurred up to the time the account is terminated. Notwithstanding anything else herein, GuruFocus.com reserves the right to pursue any and all claims against any user of your account. You agree to maintain only one account with the Service at any time and you certify that you currently have no other account(s) with the Service.

Subscription and Service
You may not use the Premium Service without a valid subscription from GuruFocus. To obtain a subscription, you must register for the Premium Service by completing the online registration form available on the Web Site. Your subscription will not be valid unless and until GuruFocus accepts your registration. By registering for the Premium Service, you represent and warrant that all registration information that you provide is true, complete, and accurate, and you agree to notify GuruFocus promptly of any changes to this registration information.

You will receive a seven (7) day trial subscription to the Premium Service, beginning on the date on which GuruFocus accepts your subscription. If you do not notify GuruFocus to terminate your subscription during this trial period, the initial term of your regular Premium Service subscription will start immediately after the seven (7) day trial period ends and will continue for the length of time that you selected when you subscribed. If you have taken a Premium Membership trial in the past 24 months, you will not receive a seven (7) day trial and your account will be charged immediately.

If you cancel within 30 days of subscription and you are not satisfied with our service, you are eligible for a full refund provided that you have not had been a paid subscriber within the past 24 months.

The initial minimum subscription payment term is 12 months. You will be charged at the beginning of each subscription term, which covers the full term of services.

You understand that, unless you notify us that you wish to terminate your subscription before the end of your then-current subscription term, your subscription will continue to automatically renew for successive terms of the same duration and account will be charged for each such renewal at the subscription fee in effect at the time of that renewal. In the case of special or introductory offers to Premium Membership, your subscription will automatically renew for successive annual terms and your credit card will be charged at the annual subscription fee in effect at the time of that renewal. The term "subscription term" shall refer to the term of your subscription then in effect, regardless of whether it is the initial term or any renewal of that term.

GURUFOCUS RESERVES THE RIGHT TO CHANGE THE PREMIUM SERVICE AT ANY TIME WITHOUT NOTICE (INCLUDING BUT NOT LIMITED TO ADDING OR REMOVING FEATURES). IF YOU ARE DISSATISFIED WITH ANY SUCH CHANGES, OR IF YOU ARE OTHERWISE DISSATISFIED WITH THE PREMIUM SERVICE (INCLUDING BUT NOT LIMITED TO ITS PERFORMANCE OR AVAILABILITY), YOUR ONLY REMEDY WILL BE TO CANCEL YOUR SUBSCRIPTION, AS SET FORTH BELOW.

Your subscription is personal to you, and you may not transfer or share your subscription with any other person (including but not limited to your coworkers) other than immediate family members living in the same household, provided that: (i) such family members have read and agree to be bound by the terms and conditions of this Premium Membership Agreement; (ii) your subscription is not simultaneously used by more than one person at any given time; and (iii) you agree to be responsible for any use of your subscription by those other family members.

GuruFocus data and the data/charts should not be resold in any format.

If you want to use the information on GuruFocus.com for commercial purposes, please contact us.

Cancellation and Refund Policy
If you subscribed to our Premium Services and wish to cancel, please submit any cancellation via contact us. Please create a cancellation ticket there and we will process it within 24 hours.

Cancellations must contain the following: first name, last name, username, and email address. This information must be identical to the information originally submitted on your signing up. Please provide contact information so that we may contact you if we have questions in regards to cancelling your order.

If you cancel before the end of the 7-day trial, and we will not charge your credit card. After that, you may cancel at any time, and we will give you a pro-rated refund. When calculating the refund amount, the portion that will not be refunded is calculated as the number of months multiplied by 1/10 of the annual membership fee you have paid. No refund for monthly subscriptions. Certain processing fees may apply.

User Password
When you register as a subscriber, you select a password, which you may then modify at any time as often as you like. You may not select, and GuruFocus may modify or delete, any password that GuruFocus determines, in its sole discretion, violates any third party's rights or is offensive, improper, or inappropriate. Your password is for your personal use only, and you agree to keep it secret and not to share it with anyone (except as expressly allowed under this Premium Membership Agreement). YOU ARE RESPONSIBLE FOR ALL USE, ACTIVITIES, AND CHARGES ASSOCIATED WITH OR ARISING FROM ANY USE OF YOUR PASSWORD, REGARDLESS OF WHETHER YOU AUTHORIZED SUCH USE. YOU MUST PROMPTLY NOTIFY GURUFOCUS OF ANY UNAUTHORIZED USE OF YOUR PASSWORD.

Modifications of these Terms and Conditions
GuruFocus.com LLC. reserves the right to change the terms, conditions, and notices under which this Web site is offered and you agree to accept and be bound by those terms, conditions, and notices that are in effect at the time of your use of GuruFocus.com.

Contact Us
If you have questions about these terms and conditions, please contact us.


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