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1.Everything seen or read on the Site should be considered copyrighted and may not be used without the express prior written permission of IBGmc. IBGmc neither warrants nor represents that use of materials displayed on the Site will not infringe rights of third parties not owned by or affiliated with IBGmc. 

2.While IBGmc uses reasonable efforts to include accurate and up-to-date information in the Site, IBGmc makes no warranties or representations as to its accuracy. IBGmc assumes no liability or responsibility for any errors or omissions in the content of the Site. 

3.Use of and browsing in the Site are at the user’s risk. Neither IBGmc, any of its agencies, nor any other party involved in creating, producing, or delivering the Site is liable for any direct, incidental, consequential, indirect, or punitive damages arising out of access to, or use of, the Site. Without limiting the foregoing, everything on the Site is provided “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITIED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. IBGmc also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect computer equipment or other property on account of access to, use of, or browsing in the Site or downloading of any materials, data, text, images, video, or audio from the Site. 

4.Any communication or material transmitted to the Site by electronic mail or otherwise, including any data, questions, comments, suggestions or the like is, and will be treated as, nonconfidential and nonproprietary. Anything transmitted or posted becomes the property of IBGmc or its affiliates and may be used for any purpose, including, but not limited to, reproduction, disclosure, transmission, publication, broadcast and posting. Furthermore, IBGmc is free to use any ideas, concepts, know-how, or techniques contained in any communication sent to the Site for any purpose whatsoever including, but not limited to, developing, manufacturing and marketing products using such information. 

5.Images of people or places displayed on the Site are either the property of, or used with permission by, IBGmc. The use of these images is prohibited unless specifically permitted by these Terms and Conditions or specific permission provided elsewhere on the Site. Any unauthorized use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. 

6.The trademarks, logos, and service marks (collectively the “Trademarks”) displayed on the Site are registered and common law Trademarks of IBGmc and others. 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 IBGmc or such third party that may own the Trademarks displayed on the Site. Use of the Trademarks displayed on the Site, or any other content on the Site, is strictly prohibited. IBGmc will aggressively enforce its intellectual property rights to the fullest extent of the law. 

7.IBGmc may not have reviewed any or all of the sites linked to the Site and is not responsible for the content of any off-site pages or any other sites linked to the Site. Linking to the Site, off-site pages or other sites is at user’s own risk. 

8.Although IBGmc may from time to time monitor or review discussions, chats, postings, transmissions, bulletin boards, and the like on the Site, IBGmc is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations. You are prohibited from posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, or profane material or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law. IBGmc will fully cooperate with any law enforcement authorities or court order requesting or directing IBGmc to disclose the identity of anyone posting any such information or materials. 

9.Software and other materials from this Site may also be subject to United States Export Control. IBGmc does not authorize the downloading or exportation of any software or technical data from this Site to any jurisdiction prohibited by the United States Export Laws. 

10.IBGmc may at any time revise these Terms and Conditions by updating this posting. Users are bound by any such revisions and should therefore periodically visit this page to review the then current Terms and Conditions.