TERMS OF USE / TERMS OF SITE

This web site (the “Site”) and all related systems are owned and operated by Stone Point Advisory LLC, a Nevada corporation (“IQ banker”). By accessing the Site or this system, you are agreeing to be bound by these terms and conditions (the “Terms of Site”) which is hereby incorporated by reference (collectively, the “Agreement”). If you do not agree with any of the terms and conditions of the Agreement, you are prohibited from using or accessing the Site. Capitalized terms not defined in these Terms of Site shall have the meaning set forth in our Privacy Policy. The materials contained in the Site are protected by applicable copyright and trademark law.

The Site contains material, such as data, text, graphics, images, videos, photographs, software, and other material provided by or on behalf of IQ banker (collectively referred to as the “Content”). The Content may be owned by IQ banker or third parties. The Content is protected under both United States and foreign laws. Unauthorized use of the Content may violate copyright, trademark, and other laws.

You may view all Content for your own personal, non-commercial use. No other use is permitted without the prior written consent of IQ banker. IQ banker and its licensors retain all right, title, and interest, including all intellectual property rights, in and to the Site and the Content.

Without limiting the generality of any of the foregoing, you may not do any of the following:

• sell, transfer, assign, license, sublicense, or modify the Content or copy, reproduce, display, publicly perform, make a derivative version of, distribute, or otherwise use the Content in any way for any public or commercial purpose;
• attempt to decompile, disassemble, or reverse engineer any software or data contained on the Site;
• remove any copyright or other proprietary notations from the Content;
• transfer the Content to another person or “mirror” the Content on any other server;
• spam or use the Site to engage in any commercial activities, or use the Site to collect any market research for a competing business;
• impersonate another person or misrepresent your affiliation with another person or entity;
• interfere with, or compromise the system integrity or security of the Site, or otherwise bypass any measures IQ banker may use to prevent or restrict access to the Site;
• circumvent, remove, alter, deactivate, degrade, or thwart any of the protections in the Site;
• use any robot, spider, scraper, or other automated means to access the Site for any purpose without the express written permission of IQ banker; provided, however, that IQ banker grants the operators of public search engines permission to use spiders to copy materials from the public portions of the Site for the sole purpose of and solely to the extent necessary for creating publicly-available searchable indices of the materials, but not caches or archives of such materials;
• take any action that imposes or may impose (in our sole discretion) an unreasonable or disproportionately large load on IQ banker’s technical infrastructure;
• access or attempt to access any portion of the Site or service offered by IQ banker that is password-protected unless you are an authorized user for such portion of the Site or service pursuant to the applicable Subscription Agreement, and subject to the terms contained therein;
• access or use, or attempt to access or use, any portion of the Site if you are a direct or indirect competitor of IQ banker, nor shall you provide, disclose, or transmit any portion of the Site to any direct or indirect competitor of IQ banker (by way of example, a "direct or indirect competitor" of IQ banker includes, but is not limited to, information services and employees, independent contractors and agents of such services);
• use any portion of this Site in a manner, that is unlawful;
• make available, communicate to the public by telecommunication, transmit under any law, contractual obligation (i.e., nondisclosure agreement), or fiduciary duty, any information about the Site; or attempt yourself or permit or encourage any third party to do any of the above.

If you violate any part of this Agreement, IQ banker may immediately terminate your permission to access the Content and the Site, and IQ banker may require you to destroy any copies you have made of the Content.

By accessing the Site or this system, you also agree to accept all the terms and conditions stated below. Login credentials and all the content inside the platform (the “Content”) are also subject to the same terms of use below. To avoid doubt, "user" and "users" also refer to anyone, any visitor, or any organization that accesses this system and all its content.

IQ banker is the sole and exclusive owner of all copyrights, patents, trade secrets, trademarks, and other Intellectual Property Rights in and to the Content.

By accessing the Site or this system, you agree to accept all the terms that you cannot disclose to anyone or any organization any of IQ banker’s Information which includes the Content, login credentials, any of the Content’s characteristics or details; information, data, or know-how that relates to IQ banker’s research or processes; current, prospective, or proposed business; financial or legal matters; technology, strategic partners, developments, inventions, trade secrets and/or processes.

You shall not make wholly or any part of the Content available to third parties. No external dissemination of the Content is permitted online or offline, including any aspect of the Content characteristics or details, data fields, derived works, or any modified version of the Content.

You shall not reverse engineer, disassemble, decompile, decode, adapt, or otherwise attempt to derive or gain access to the source of the Content or methods used to compile the Content, in whole or in part, including any Content, data collection or product development methodology owned by IQ banker. Users do not obtain ownership of any copyrights, patents, trade secrets, trademarks, and other Intellectual Property Rights in and to the Content.

You shall not use the provided Content or login credentials for any purpose other than personal internal use. Any purpose or use not specifically authorized in the Agreement with IQ banker is prohibited. Except as otherwise expressly set forth in the Agreement with IQ banker, you shall not at any time, directly or indirectly: (i) copy, modify, or, in whole or in part; (ii) rent, lease, lend, sell, sublicense, assign, distribute, publish, transfer, or otherwise make available the Content; (iii) remove any proprietary notices included within the Content; (iv) publish, enhance, or display any compilation or directory based upon information derived from the Content; (v) use the Content unlawfully according to the applicable privacy and data protection laws; (vi) use the Content in any manner or for any purpose that infringes, misappropriates, or otherwise violates any intellectual property right or other rights of any person, or that violates any applicable law or the terms and conditions of the Agreement with IQ banker; or (vii) develop a product or products in competition with IQ banker’s Content unless mutually agreed by both parties.

The Content is provided on an “as is” basis, and users acknowledge that the Content has not been prepared to meet any specific requirements, and it is therefore the users’ responsibility to ensure that the Content meets their own individual requirements.

Although IQ banker will endeavor to provide the Content and the underlying information made available updated and accurate, the Content and such underlying information are voluminous and often change. Accordingly, (a) IQ banker cannot and does not warrant the accuracy or completeness of the Content and such underlying information and (b) You agree that IQ banker will not be liable to Licensee or any third party for any adverse consequences arising as a result of the inaccuracy or incompleteness of the Content and/or such underlying information. You further agree that IQ banker will not be liable to the users or any third party for any trading, investment or commercial decisions made relying on the Content or such underlying information.

By accessing the Site or this system, you agree that your actions may be monitored if unauthorized usage is suspected. This system is for the use of authorized users only. Unauthorized access to this system is forbidden and will be prosecuted by law. We do not allow the sharing of passwords or account information, or product screenshots, with anyone unless approved in writing by IQ banker. If such activity is detected the user’s account will be deactivated and will be prosecuted by law.

This Agreement constitutes the entire agreement between you and IQ banker, and supersedes any prior or contemporaneous negotiations or agreements, whether oral or written, related to this subject matter. IQ banker’s failure to act on or enforce any provision of the Agreement shall not be construed as a waiver of that provision or any other provision in this Agreement. No waiver shall be effective against IQ banker unless made in writing, and no such waiver shall be construed as a waiver in any other or subsequent instance. This Agreement will inure to the benefit of IQ banker’s successors, assigns, licensees, and sublicensees.