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Welcome to stcusa.com (“Web site”).
Please read the following Agreement carefully. This Agreement, as well as the Privacy Policy of Securities Training
Corp. (“STC”) and all applicable laws and regulations, strictly governs your use
of the Web site and the Content as defined below. By clicking the “I Accept” box
below, you agree that you have read, understand, agree to and are bound by the terms,
conditions and limitations contained in this Agreement. If you click the “I Decline”
box, you will not receive access to certain online services offered through the
Web site. You may however, contact a customer service representative at STC via
telephone for assistance. Simply call 1-800-782-1223 between the hours of 9:00 a.m.
and 5:00 p.m. (E.S.T.) and a customer service representative should be available
to assist you.
This Agreement continues to be binding upon you, and remains effective, each time
that you use or access the Web site. However, this Agreement may be amended at any
time and from time to time in the sole discretion of STC. Any amendment shall be
effective immediately upon posting on the Terms of Use page of the Web site. The
Terms of Use page can be accessed regularly by clicking on the “Terms of Use” button.
By accessing or using the Web site following the posting of an amendment to this
Agreement, you agree to be bound by the terms and conditions set forth herein as
amended.
Ownership Of Content
Unless otherwise noted, the content contained within or which comprises the Web
site, including but not limited to all code, images, illustrations, designs, icons,
photographs, data, text, logos and all other written or graphic material that are
included in or are part of the Web site (collectively “Content”) is owned by STC.
STC owns, and expressly reserves, all worldwide right, title and interest in and
to the Web site and the Content as well as the compilation thereof and all patents,
patent applications, tradenames, trademarks, service marks, copyrights, copyright
registrations and all other proprietary rights associated therewith. The Content
is protected by United States and international copyright and trademark laws.
Use Of Content
The Content is provided to you for your own personal, noncommercial use only and
for NO OTHER purpose or use. The right granted to you under this Agreement is limited,
terminable, nonexclusive, nontransferable and revocable.
You shall not and will not, directly or indirectly, copy, reproduce, republish,
upload, post, transmit, or distribute the Content, in any form or medium or by any
means, electronic, mechanical, photocopying, recording, or otherwise, or store the
Content in a retrieval system under any circumstances. You shall not, directly or
indirectly, modify, disassemble or alter the Content or use the Content in any other
media or location or for any other purpose. However, you may download one copy of
the instructional materials (e.g., product updates, revisions, patches, etc.) offered,
or schedules posted, through the Web site to a single computer solely for your personal,
noncommercial use only, provided you keep intact, and prominently displayed, all
copyright and other proprietary notices.
You shall not and will not sublicense, transfer, share, sell or otherwise distribute
all or any portion of the Content to any third party, by any means whatsoever, whether
or not for commercial, economic or financial purposes or gain. Nothing contained
in this Agreement or in the Web site shall be construed as granting, by implication,
estoppel or otherwise, any license or right to use the Content except as may be
specifically permitted by this Agreement. It is expressly understood that nothing
contained in this Agreement or in the Web site shall be construed as granting, by
implication, estoppel or otherwise any license or right to use any logo, trademark,
tradename or service mark contained within, or appearing on, the Web site except
that such logo, trademark, tradename or service mark shall be kept intact in connection
with the permitted use of the Content.
In addition to the foregoing, use of any software Content shall be governed by the
software license agreement accompanying such software.
Disclaimer Of Warranties
The Content is provided to you as either a tool to assist you in obtaining a passing
grade on an identified licensing examination or for the purposes of assisting you
in satisfying certain continuing education requirements within the securities, insurance
and financial industries.
THE WEB SITE AND ITS CONTENT ARE NOT INTENDED TO PROVIDE LEGAL, TAX, INVESTMENT
OR FINANCIAL ADVICE OR TO BE COMPLETE ON THE SUBJECT MATTER CONTAINED THEREIN. STC
AND ITS AFFILIATES, SUPPLIERS AND CONTRACTORS ARE NOT RESPONSIBLE FOR ANY ERRORS
OR OMISSIONS OF CONTENT. THE WEB SITE AND THE CONTENT ARE PROVIDED TO YOU, THE USER,
“AS IS,” “WITH ALL FAULTS” AND WITHOUT WARRANTIES OF ANY KIND OR DESCRIPTION, EITHER
EXPRESS OR IMPLIED. STC AND ITS AFFILIATES, SUPPLIERS AND CONTRACTORS CAN NOT AND
DO NOT WARRANT THE ACCURACY, COMPLETENESS, CORRECTNESS, TIMELINESS OR NONINFRINGEMENT
OF THE CONTENT, OR THE INFORMATION CONTAINED THEREON, AND FURTHERMORE DO NOT WARRANT
THAT THE CONTENT, THE INFORMATION CONTAINED IN THE WEB SITE OR THE COMPLETION OF
ANY COURSE OR SIMULATED EXAMINATION WILL EITHER ASSURE A PASSING GRADE ON A LICENSING
EXAMINATION OR SATISFY ANY REQUIREMENTS, STATUTORY, REGULATORY OR OTHERWISE CONCERNING
CONTINUING EDUCATION AS THE CASE MAY BE. YOU SOLELY BEAR THE RISK WITH RESPECT TO
YOUR INDIVIDUAL ABILITY TO OBTAIN A PASSING GRADE ON A LICENSING EXAMINATION OR
WITH RESPECT TO YOUR INDIVIDUAL COMPLIANCE WITH CONTINUING EDUCATION REQUIREMENTS.
DUE TO THE NATURE OF THE INTERNET, MALFUNCTIONS IN SOFTWARE AND HARDWARE, MECHANICAL
ERRORS AND OTHER CONTINGENCIES, THE WEB SITE AND ITS CONTENT ARE PROVIDED ON AN
“AS IS’ AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND OR DESCRIPTION,
EITHER EXPRESS OR IMPLIED. ADDITIONALLY, STC AND ITS AFFILIATES, SUPPLIERS AND CONTRACTORS
DO NOT WARRANT THAT THE WEB SITE, ITS CONTENT OR ITS FUNCTIONS WILL BE CONTINUOUSLY
AVAILABLE TO THE USER OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED, OR THAT
THE WEBSITE OR THE HARDWARE OR SOFTWARE WHICH MAKE THE WEB SITE OR THE CONTENT AVAILABLE
ARE FREE OF VIRUSES OR OTHER HARMFUL OR DESTRUCTIVE COMPONENTS. YOU ARE SOLELY RESPONSIBLE
AND ASSUME THE RISK FOR ANY AND ALL DAMAGE TO PROPERTY, LOSS OF DATA OR ECONOMIC
INJURY WHICH OCCURS TO YOUR COMPUTER OR ITS SYSTEM AS A RESULT OF YOUR USE OF OR
ACCESS TO THE WEB SITE OR ITS CONTENT.
IN FURTHERANCE OF THE FOREGOING AND TO THE FULLEST EXTENT ALLOWED BY APPLICABLE
LAW, STC AND ITS AFFILIATES, SUPPLIERS AND CONTRACTORS DISCLAIM ALL WARRANTIES,
EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, AND IN PARTICULAR, IMPLIED WARRANTIES
OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, ACCURACY
OF INFORMATIONAL CONTENT AND ESSENTIAL PURPOSE.
STC SELLS ITS COURSES/TRAINING MATERIAL EXCLUSIVELY THROUGH ITS WEBSITE, BRANCH
OFFICES AND AUTHORIZED AFFILIATES.
INTERNET USERS ARE ADVISED THAT COURSES SOLD ONLINE AT SITES OTHER THAN STCUSA.COM
AND IDENTIFIED AS STC COURSES MAY, IN FACT, BE ILLEGALLY PHOTOCOPIED OR SECOND-HAND.
SUCH COURSES ARE NOT COVERED BY STC'S SERVICES AND GUARANTEE. SUCH SERVICES CAN
ONLY BE PROVIDED TO STUDENTS WHO HAVE PURCHASED MATERIAL FOR THEIR OWN USE FROM
STC'S WEBSITE, BRANCH OFFICES OR AUTHORIZED AFFILIATES.
Limitation Of Liability
UNDER NO CIRCUMSTANCES SHALL STC OR ITS AFFILIATES, SUPPLIERS OR CONTRACTORS BE
LIABLE TO YOU, YOUR SPONSOR, EMPLOYER OR ANY ONE ELSE FOR ANY INDIRECT, SPECIAL,
CONSEQUENTIAL, PUNITIVE OR INCIDENTAL DAMAGES, INCLUDING BUT NOT LIMITED TO LOST
PROFITS OR LOST DATA, ARISING OUT OF OR RESULTING FROM ACCESSING OR USE OF THE CONTENT
OR THE WEB SITE OR, CONVERSELY, THE INABILITY TO ACCESS OR USE THE CONTENT OR THE
WEB SITE, EVEN IF STC OR ITS AFFILIATES, SUPPLIERS OR CONTRACTORS HAVE BEEN ADVISED
OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE THEORY OF RECOVERY OR CIRCUMSTANCES
UNDER WHICH THE DAMAGES ARISE INCLUDING WITHOUT LIMITATIOIN, BREACH OF CONTRACT,
TORT, NEGLIGENCE, FAILURE OF PERFORMANCE, ERRORS, INACCURACIES, OMISSIONS, DEFECTS,
TIMELINESS, INTERRUPTION, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, THEFT,
DESTRUCTION, UNAUTHORIZED ACCESS, AND/OR LACK OF AUTHENTICITY OF ANY CONTENT. Subject
to the “Choice of Law” provision set out below, since some jurisdictions do not
permit the exclusion or limitation of liability for consequential or incidental
damages, and as such, some portion of the above may not apply to you. In such jurisdictions,
the liability of STC and its affiliates, suppliers and contractors shall be limited
to the greatest extent permitted by law. IT IS EXPRESSLY AGREED THAT IN NO EVENT
SHALL THE TOTAL LIABILITY OF STC OR ITS AFFILIATES, SUPPLIERS OR CONTRACTORS FOR
ALL DAMAGES AND LOSSES ARISING OUT OF OR IN CONNECTION WITH THE USE OR NONUSE OF
THE CONTENT OR THE WEBSITE EXCEED THE TOTAL AMOUNT PAID BY YOU, IF ANY, FOR ENROLLMENT
IN THE LICENSING EXAMINATION COURSE OR THE CONTINUING EDUCATION COURSE, AS THE CASE
MAY BE, WHICH GAVE REASON FOR YOUR ACCESSING THE WEB SITE.
Hyperlinks
The Web site may contain hypertext links to information created and maintained by
other public or private organizations. STC does not operate or control in any respect,
any information, products or services contained in or promoted or provided by those
third-party sites. STC does not control or guarantee the accuracy, relevance, timeliness
or completeness of the information contained within those third-party sites. Further,
the inclusion of links to external sources is not intended to endorse any views
expressed on those third-party sites, any product, service or other material offered
on those sites, or the organizations sponsoring those sites. YOU ASSUME SOLE RESPONSIBILITY
FOR YOUR USE OF THIRD-PARTY SITES.
Choice Of Law
YOUR ACCESS TO AND USE OF THE WEB SITE AND THE TERMS OF THIS AGREEMENT ARE AND SHALL
BE GOVERNED BY THE LAWS OF THE STATE OF NEW YORK, WITHOUT GIVING EFFECT TO THE CONFLICT
OF LAW PROVISIONS OF ANY GIVEN JURISDICTION AND WITHOUT REGARD TO LOCATION OF THE
USER.
Forum
ANY AND ALL DISPUTES WHICH MAY ARISE AS A RESULT OF OR BY REASON OF YOUR USE OF
THE WEB SITE OR THE CONTENT SHALL BE LITIGATED BEFORE A COURT LOCATED IN THE STATE
OF NEW YORK TO THE EXCLUSION OF THE COURTS OF ANY OTHER STATE OR COUNTRY. YOU HEREBY
IRREVOCABLY AND UNCONDITIONALLY CONSENT AND SUBMIT TO THE EXCLUSIVE JURISDICTION
OF THE FEDERAL AND STATE COURTS LOCATED WITHIN THE STATE OF NEW YORK SOLELY FOR
THE PURPOSE OF SUCH DISPUTES AND FURTHER WAIVE ANY CLAIM THAT SUCH COURTS DO NOT
HAVE JURISDICTION OVER THE DISPUTE OR THAT THE VENUE IN ANY SUCH COURT IS NOT APPROPRIATE
OR CONVENIENT.
Termination
STC may change, suspend or discontinue the Web site in its entirety or any aspect
of the Web site at any time and from time to time, in its sole and absolute discretion
without notice or liability. STC may also impose limits on certain features and
services or restrict access to all or a portion of the Web site at any time and
from time to time, in its sole and absolute discretion without notice or liability.
Severability
If any provision of this Agreement shall, in whole or in part, be determined to
be invalid, unenforceable or void for any reason, such determination shall affect
only the portion of the provision determined to be invalid, unenforceable or void,
and shall not affect in any way the remainder of the provision or any other provision
of this Agreement and the invalid, unenforceable or void provision shall be reformed
without further action by either you or STC to extent necessary to make such provision
valid and enforceable and to achieve to like fundamental benefits, effect and intent
of such provision.
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