Acceptance of Terms
By entering this Web site or related properties of mypandit.com linked to this Web site, including, without limitation, any newsletters (as defined below), or registering as a member, you acknowledge and agree to be bound by the following terms and conditions of service (the "Terms and Conditions"). If you do not agree with all of the provisions of these Terms and Conditions, please do not enter or use the mypandit.com Site .
In addition, when using particular services on the mypandit.com Site or provided by mypandit.com, you and mypandit.com shall be subject to any posted guidelines or rules applicable to such services which may be posted from time to time. ENTERING THE mypandit.com SITE AND/OR COMPLETING THE REGISTRATION PROCESS YOU ARE INDICATING YOUR AGREEMENT TO BE BOUND BY THESE TERMS AND CONDITIONS AS SUCH TERMS AND CONDITIONS MAY BE MODIFIED.The Terms and Conditions are intended for your safety and ease of use. If you encounter another user who is not abiding by these Terms and Conditions, please write to us.

Registration Information
In consideration of your use of the mypandit.com Site, you agree to provide true, accurate, current, and complete information about yourself as prompted by the registration form. You will receive a password and account designation upon completing the registration process. You are responsible for maintaining the confidentiality of the password and account, and are fully responsible for all activities that occur under your password or account.Upon your registration with the mypandit.com Site you will begin receiving, via electronic mail, the mypandit.com newsletters (the "Newsletters"). In the event that you no longer desire to receive the Newsletters via electronic mail, you may unsubscribe to the Newsletters on the mypandit.com Site or by clicking on the Unsubscribe button on the Newsletter itself. mypandit.com may also send you information, including advertisements, from content and marketing partners of mypandit.com. You can elect not to receive any such information by writing to us.

Content Provided by You
By submitting content, posting messages, uploading files, inputting data and registration information, or engaging in any other form of communication on the mypandit.com Site or through services on the mypandit.com Site, you grant mypandit.com a royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide right (including any moral rights) and license to:

• Use, copy, sublicense, modify, adapt, publish, translate, create derivative works from, transmit, distribute, publicly perform, or display any such communication (in whole or in part) and/or to incorporate it in other works in any form, media, or technology now known or later developed; and provided, however, that with respect to personally identifiable information, such usage shall comply with the terms set forth in mypandit.com's Privacy Statement; and
• Sublicense to third parties the unrestricted right to exercise any of the foregoing rights granted with respect to the communication.

The foregoing grants shall include the right to exploit any proprietary rights in such communication, including but not limited to rights under copyright, trademark, servicemark or patent laws under any relevant jurisdiction.You also warrant that the holder of any rights, including moral rights in such content, has completely and effectively waived all such rights and validly and irrevocably granted to you the right to grant the license above. Subject to the foregoing, the owner of such content placed on the mypandit.com Site retains any and all rights that may exist in such content.

Member Conduct
The mypandit.com Site may include bulletin boards and chat rooms ("Bulletin Boards") which allow feedback to mypandit.com and interaction between users. mypandit.com does not control the messages, information or files delivered to Bulletin Boards. It is a condition of your use of the mypandit.com Site, including, without limitation, Bulletin Boards, and your use of the Newsletters that you do not:

• Restrict or inhibit any other user from using and enjoying the Bulletin Boards or the mypandit.com Site;
• Post, e-mail, upload, or transmit on the Bulletin Boards or the mypandit.com Site any unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane or indecent information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national, or international law;
• Post, e-mail, upload, or transmit any information, software or other material which violates or infringes upon the rights of others, including material which is an invasion of privacy or publicity rights or which is protected by copyright, trademark, or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or right holder;
• Post, e-mail, upload, or transmit any information, software or other material which contains a virus or other harmful component;
• Post, e-mail, upload, or transmit any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation except as specifically permitted in writing by mypandit.com;
• Impersonate any person or entity, including, but not limited to, a mypandit.com employee, moderator or Expert, or falsely state or otherwise misrepresent your affiliation with a person or entity;
• Stalk or otherwise harass any other person;
• Collect or store personal data about other users; or
• Post, e-mail, upload, or transmit or in any way exploit any information, software or other material for commercial purposes, or which contains advertising.

You understand that mypandit.com has no obligation to monitor the Bulletin Boards or chat rooms or any other area of the mypandit.com Site. However, mypandit.com reserves the right at all times to disclose any information as necessary to satisfy any law, regulation, or governmental request, or to refuse to post or to remove any information or materials, in whole or in part, that in mypandit.com's sole discretion are objectionable or in violation of these Terms and Conditions.

e-Commerce
In addition, you can purchase many different types of products and services on the mypandit.com Site and otherwise online that are provided by third parties. mypandit.com is not responsible for the quality, accuracy, timeliness, reliability or any other aspect of these products and services.If you make a purchase from a vendor hosted by mypandit.com or linked to the mypandit.com Site, the information obtained during your visit to those stores, and the information that you give such as your credit card number and contact information, is collected by the merchants and not by mypandit.com. These merchants have separate privacy and data collection practices. mypandit.com has no responsibility or liability for these independent policies. For more information regarding the merchant, their store, and their privacy policies, return to that store's home page and click on their information link. You release mypandit.com and its affiliates from any damages that you incur, and agree not to assert any claims against them, arising from your use of these products or services. Experts; Events
mypandit.com may make certain experts or other advisors ("Experts") and certain special events ("Events") available to members or other end-users for a fee or at no cost, in mypandit.com's sole discretion. Whether provided for free or for a fee, mypandit.com does not represent or warrant that advice rendered or other information provided by Experts is accurate, complete or correct, and mypandit.com is not responsible for any errors or omissions or for the results obtained from the use of such advice or information. Additionally, mypandit.com will not be liable, directly or indirectly, if a member or other end-user is unable to receive an Event, whether free or for a fee, for any reason outside of the control of mypandit.com. Members and end-users pay for and attend Events, and interact with Experts, at their own risk and mypandit.com does not make any representations or warranties as to the quality of member or end-user experience in connection with any Experts or Events. Information on the mypandit.com Site, whether from Experts, provided at Events, from third-party sites or from other members or end-users of mypandit.com, is not intended to replace medical advice offered by physicians, financial advice offered by financial professionals or legal advice offered by legal professionals. In each case, you are responsible for confirming the truth, accuracy or completeness of any such information received in connection with the mypandit.com Site and mypandit.com does not represent or warrant that any such information is true, complete or correct