Terms of Use
Terms of Use
These are our Terms of Use and Sale ("Agreement") regarding our websites, located at pemlife.org, classroom.pemlife.org, membership communities, and the tools we provide you (the "Website" or the "Service"). It was last posted on 21 January 2021. The terms, "we" and "our" as used in this Agreement refer to PEM LIFE.
We may amend this Agreement at any time by posting the amended terms on our Website. We may or may not post notices on the homepage of our Website when such changes occur.
We refer to this Agreement, our Privacy Policy accessible at https://pemlife.org/privacy, and any other terms, rules, or guidelines on our Website collectively as our "Legal Terms." You explicitly and implicitly agree to be bound by our Legal Terms each time you access our Website. If you do not wish to be so bound, please do not use or access our Website.
Limited License
PEM LIFE grants you a non-exclusive, non-transferable, revocable license to access and use our Website in order for you to make purchases and access curriculum, tools, and related services through our Website, strictly in accordance with our Legal Terms.
Copyrights and Trademarks
Unless otherwise noted, all materials including without limitation, logos, brand names, images, designs, photographs, video clips and written and other materials that appear as part of our Website are copyrights, trademarks, service marks, trade dress and/or other intellectual property whether registered or unregistered ("Intellectual Property") owned, controlled or licensed by PEM LIFE. Our Website as a whole is protected by copyright and trade dress. Nothing on our Website should be construed as granting, by implication, estoppel or otherwise, any license or right to use any Intellectual Property displayed or used on our Website, without the prior written permission of the Intellectual Property owner. PEM LIFE aggressively enforces its intellectual property rights to the fullest extent of the law. The names and logos of PEM LIFE, may not be used in any way, including in advertising or publicity pertaining to distribution of materials on our Website, without prior, written permission from PEM LIFE. PEM LIFE prohibits use of any logo of PEM LIFE or any of its affiliates as part of a link to or from any Website unless PEM LIFE approves such link in advance. Fair use of PEM LIFE’s Intellectual Property requires proper acknowledgment. Other product and company names mentioned in our Website may be the Intellectual Property of their respective owners.
Links to Third-Party Websites
Our Website may contain links to Websites owned or operated by parties other than PEM LIFE. Such links are provided for your reference only. PEM LIFE does not monitor or control outside Websites and is not responsible for their content. PEM LIFE’s inclusion of links to an outside Website does not imply any endorsement of the material on our Website or, unless expressly disclosed otherwise, any sponsorship, affiliation or association with its owner, operator or sponsor, nor does PEM LIFE’s inclusion of the links imply that PEM LIFE is authorized to use any trade name, trademark, logo, legal or official seal, or copyrighted symbol that may be reflected in the linked Website.
Content Disclaimer
Postings on our Website are made at such times as PEM LIFE determines in its discretion. You should not assume that the information contained on our Website has been updated or otherwise contains current information. PEM LIFE does not review past postings to determine whether they remain accurate and information contained in such postings may have been superseded. THE INFORMATION AND MATERIALS IN OUR WEBSITE ARE PROVIDED FOR YOUR REVIEW IN ACCORDANCE WITH THE NOTICES, TERMS AND CONDITIONS SET FORTH HEREIN. THESE MATERIALS ARE NOT GUARANTEED OR REPRESENTED TO BE COMPLETE, CORRECT OR UP TO DATE. THESE MATERIALS MAY BE CHANGED FROM TIME TO TIME WITHOUT NOTICE.
Calculators, Storyboards, and Financial Advice Disclaimer
You understand that we offer tools and resources for sale through our Website which promote financial understanding, but should not be misconstrued as personal financial advice. You acknowledge that PEM LIFE is not engaged in providing financial advice to individuals on a personal level for any specific situation or circumstance within our Website, tools, resources, or related services. You acknowledge that we do not guarantee accuracy or applicability of these tools or resources toward any particular situation or outcome, or promote specific products to solve any particular problem, nor should any financial projection for illustration purposes be considered an accurate reflection of actual or guaranteed future conditions. You agree to look toward licensed and qualified tax, legal, and financial professionals for actionable advice to be applied on a personal level at all times.
The financial perspectives provided by PEM LIFE are for informational purposes only and do not constitute direct financial advice. PEM LIFE is not an advisory firm and is not providing financial advice. All information available across any of our sites, is provided without warranty, express or implied, including as to the effect or suitability for a particular purpose. The information should be used as a guide and modified to meet your own individual needs preferably with the assistance of a qualified tax, legal, or financial services professional who is familiar with your entire financial picture as well as the impact of local legislation in your particular jurisdiction. Your use of any of the supplied information, strategies, or perspectives is at your own risk. PEM LIFE and any of its employees, contractors, or advisors who participated in providing the information expressly disclaim any warranty: they are not creating or entering into any Advisor-Client relationship by providing information to you.
“Ask Professor PEM” Form Submissions
By submitting this form, you grant permission for PEM LIFE to utilize the information provided for the furtherance of company initiatives including but not limited to education, advertising, and promotional opportunities without notice or remuneration.
No Warranties; Exclusion of Liability; Indemnification
OUR WEBSITE IS OPERATED BY PEM LIFE ON AN "AS IS," "AS AVAILABLE" BASIS, WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, PEM LIFE SPECIFICALLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT FOR OUR WEBSITE AND ANY CONTRACTS AND SERVICES YOU PURCHASE THROUGH IT. PEM LIFE SHALL NOT HAVE ANY LIABILITY OR RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT OF OUR WEBSITE, FOR CONTRACTS OR SERVICES SOLD THROUGH OUR WEBSITE, FOR YOUR ACTION OR INACTION IN CONNECTION WITH OUR WEBSITE OR FOR ANY DAMAGE TO YOUR COMPUTER OR DATA OR ANY OTHER DAMAGE YOU MAY INCUR IN CONNECTION WITH OUR WEBSITE. YOUR USE OF OUR WEBSITE AND ANY CONTRACTS OR SERVICES ARE AT YOUR OWN RISK. IN NO EVENT SHALL EITHER PEM LIFE OR THEIR AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF OUR WEBSITE, CONTRACTS AND SERVICES PURCHASED THROUGH OUR WEBSITE, THE DELAY OR INABILITY TO USE OUR WEBSITE OR OTHERWISE ARISING IN CONNECTION WITH OUR WEBSITE, CONTRACTS OR RELATED SERVICES, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGES. IN NO EVENT SHALL PEM LIFE’s LIABILITY FOR ANY DAMAGE CLAIM EXCEED THE AMOUNT PAID BY YOU TO PEM LIFE FOR THE TRANSACTION GIVING RISE TO SUCH DAMAGE CLAIM.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
WITHOUT LIMITING THE FOREGOING, PEM LIFE DOES NOT REPRESENT OR WARRANT THAT THE INFORMATION ON THE WEBITE IS ACCURATE, COMPLETE, RELIABLE, USEFUL, TIMELY OR CURRENT OR THAT OUR WEBSITE WILL OPERATE WITHOUT INTERRUPTION OR ERROR.
PEM LIFE MAKES NO REPRESENTATION THAT CONTENT PROVIDED ON OUR WEBSITE, CURRICULUM, OR RELATED SERVICES ARE APPLICABLE OR APPROPRIATE FOR USE IN ALL JURISDICTIONS.
Indemnification
You agree to defend, indemnify and hold PEM LIFE harmless from and against any and all claims, damages, costs and expenses, including attorneys' fees, arising from or related to your use of our Website or any Products or Services you purchase through it.