TERMS OF USE

Unless otherwise specifically indicated, you may download material displayed on the Site for non-commercial use only and you may not sell, distribute, modify, copy, publish, transmit, use, or reuse any of the contents of the Site for any commercial purpose without the written consent of Visa. However, if you are an educator you may distribute, modify, copy, transmit, use or reuse any of the contents of the Site for use in your classroom only. Except as otherwise agreed to in writing by Visa, you must retain all copyright and other proprietary notices on downloaded and/or copied material. You may not access or use the Site in any way that could or is intended to damage or impair the Site, or any server or network underlying the Site, or interfere with anyone else's use and enjoyment of the Site.

You should assume that everything on the Site is copyrighted unless otherwise noted and that it must not be used except as provided in the Rules or with the express written consent of Visa. Visa neither warrants nor represents that your use of the material displayed on the Site will not infringe rights of third parties. Any product, service, program, or technology described on the Site may be the subject of other intellectual property rights (including but not limited to copyright, trademark, or patent rights). Any such right that is not expressly licensed herein is reserved by Visa.

Images of people or places displayed on the Site are either the property of, or used with permission by, Visa. Use of these images by you or other third parties is prohibited unless expressly permitted in the Rules or elsewhere on the Site. Any unauthorized use of these images may violate copyright laws, trademark laws, the laws of privacy and publicity, and other applicable regulations and statutes.

The trademarks, logos, and service marks (collectively the "Trademarks") displayed on the Site are registered and unregistered Trademarks of Visa and other third parties. FINANCIAL SOCCER® and PRACTICAL MONEY SKILLS® and VISA® are registered trademarks of Visa. Nothing contained on the Site should be construed as granting by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the Site without the written permission of Visa or such third party that may own the Trademark. Misuse of any Trademarks, or any other content, displayed on the Site is prohibited. Visa aggressively enforces its intellectual property rights, including via civil and criminal proceedings. Please note that the presence of a third party's logo does not constitute an endorsement by Visa of a particular company or organization, or its programs, products, or services.

Apart from your personal information (which is addressed in the Privacy Policy), any communication or material you send to the Site, electronically or otherwise, including but not limited to, data, questions, comments, suggestions, or submissions, is and will be treated as non-confidential and non-proprietary information. Subject to the terms of the Privacy Policy referenced above, anything you send to the Site may be used by Visa for any purpose, including but not limited to, modification, reproduction, transmission, disclosure, publication, broadcast, and posting. By submitting material to www.financialsoccer.com, you irrevocably transfer and assign to Visa, and forever waive and agree never to assert, any copyrights, "moral" rights, rights of publicity or to privacy, or other intellectual-property or proprietary rights that you may have in such material. Visa is free to use, without obligation of any kind, any ideas, concepts, techniques, or know-how contained in any communication you send to the Site for any purpose whatsoever, including but not limited to developing, manufacturing, and marketing products and services.

While Visa may use reasonable efforts to include accurate and up-to-date information on the Site, Visa makes no warranties or representations as to the accuracy, timeliness, or completeness of any such information. Visa does not in any way make any warranties, representations or guarantees about results that may be achieved by using or following the information contained on the Site or that the information provided will fulfill any particular purpose or need. Visa may periodically add, change, or improve any of the information, products, services, programs, and technology described on the Site without notice. Visa assumes no liability or responsibility for any errors or omissions in the content on the Site.

Your use of the Site is at your own risk. The information and services provided or referenced on the Site are provided "as is" and "as available", without any warranties or representations, whether express or implied, of any kind. To the maximum extent allowed by law, neither Visa nor any other party involved in creating, producing, or delivering the Site is liable for any direct, indirect, incidental, consequential, or punitive damages, however, caused, arising out of your access to, use of, or reliance on, the Site, even if visa has been advised of the possibility of such damages.

The material provided on this Website should be used for informational purposes only and in no way should be relied upon for financial advice. Also, note that such material is not updated regularly and some of the information may not, therefore, be current. Please be sure to consult your own financial advisor when making decisions regarding your financial management.

Visa has not reviewed all of the sites which are linked to or from the Site, and the fact of such links does not indicate any approval or endorsement of any material contained on any linked site. Visa is not responsible for the contents of any site linked to or from the Site, and your connection to any such linked site is at your own risk.

Visa reserves the right to deny use of all or part of the Site to any user for any reason without notification. Visa may, in it sole discretion and at any time, modify or terminate the Site and remove or refuse to post any information, content or materials.

The Rules will be governed by and construed under the laws of the State of California, excluding only its conflict of law provisions. Each party to the Site Rules hereby submits to the exclusive jurisdiction of the courts within the State of California, and waives any jurisdictional, venue, or inconvenient forum objections to such courts.

Any failure by Visa to enforce any of its rights under the Rules or applicable laws shall not constitute a waiver of such right. If any provision of the Rules is found by a court of competent jurisdiction to be invalid, you, Visa, and the court shall endeavor to give effect to the intent reflected in that provision, and the remaining Rules provisions shall retain their full force and effect.

You agree to follow any applicable laws in your use of the Site. Among other things, United States and foreign export control laws regulate the export and re-export of technology originating in the United States and such foreign countries. You will abide by these laws and regulations as applicable and will not transfer, directly or indirectly, by electronic transmission or otherwise, any content or software from the Site to or from any countries or foreign nationals in violation of such laws or regulations.