Thrift & Dollar Inc.    the official website of

                                                                                                     Thrift and Dollar Inc. at www.thriftandollar.com

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Legal Policy, User Agreement and Other Policies

This page explains our legal policies. It also explains our general policies and user agreement regarding your use of our website. We are pleased that you have chosen to come visit with us, and look forward to you becoming a regular visitor. We try our best to give you the best and we want you to know through this page some of the terms and conditions of our doing so. Please read below, and if you have any questions, or comments, please email us through our contact us page with your questions, or comments by clicking here. Users will not upload or transmit any communications or content of any type that infringes or violates any rights of any party. Users will not use this site for any purpose in violation of local, state, national or international laws. Users will not use this site as a means to distribute advertising or other unsolicited material to any third party. Users will not post material that is unlawful, obscene, defamatory, threatening, harassing, abusive, slanderous, hateful or embarrassing to any other person or entity as determined by us in our sole discretion. Users will not impersonate another person.

All site users represent and warrant that they are at least 18 years of age and that they possess the legal right and ability to agree to these Terms of Service and to use this site in accordance with these Terms of Service. If you use the blog feature, you agree to the following. By posting any comments, posts or other material on the blog, you give thriftandollar.com (tad) the irrevocable right to reproduce, distribute, publish, display, edit, modify, create derivative works from, and otherwise use your submission for any purpose in any form and on any media.

You also agree that you will not: Post material that infringes on the rights of any third party, including intellectual property, privacy or publicity rights Post material that is unlawful, obscene, defamatory, threatening, harassing, abusive, slanderous, hateful, or embarrassing to any other person or entity as determined by thriftandollar.com in its sole discretion Post advertisements or solicitations of business Post chain letters or pyramid schemes Impersonate another person Allow any other person or entity to use your identification for posting or viewing comments Post the same note more than once or "spam"

Tad reserves the right (but is not obligated) to do any or all of the following: Remove communications that are abusive, illegal or disruptive, or that otherwise fail to conform with these Terms and Conditions. Terminate a user's access to the blog feature upon any breach of these Terms and Conditions. Edit or delete any communications posted on the blog feature, regardless of whether such communications violate these standards. Finally, you agree that you will indemnify tad against any damages, losses, liabilities, judgments, costs or expenses (including reasonable attorneys' fees and costs) arising out of a claim by a third party relating to any material you have posted. We and our affiliate sites (the "Sites") are accessible worldwide to anyone with Internet access. Access to and use of the Service and the Sites are subject to the terms and conditions of this User Agreement and Copyright Notice and all applicable laws and regulations, including laws and regulations governing copyright and trademark.

BY ACCESSING THE SERVICE AND THE SITES, YOU ACCEPT, WITHOUT LIMITATION OR QUALIFICATION, ALL OF THE TERMS AND CONDITIONS IN THIS USER AGREEMENT. We and our affiliates reserve the right to change these terms and conditions at any time. The changes will appear on this screen. By using the Service and the Sites, you agree in advance to accept any changes. The materials used and displayed on the Service and the Sites, including but not limited to text, software, photographs, graphics, illustrations and artwork, video, music and sound, and names, logos, trademarks and service marks, are the property of us and/or our affiliates or licensors and are protected by copyright, trademark and other laws. Any such content may be displayed solely for your personal, non-commercial use, unless we explicitly tell you can use it for your own commercial use, doing so in writing, or you write to us and receive from us a return writing telling you that you can use our material for your commercial use. You agree not to modify, reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate any such material without our prior written permission or the prior written permission of the appropriate affiliate. The Service and the Sites contain information, facts and opinions from various individuals and organizations.

THE SERVICE AND THE SITES ARE PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OTHER THAN THOSE WARRANTIES WHICH ARE IMPOSED BY AND INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT. NEITHER US AND/OR OUR AFFILIATES ENDORSE OR ARE RESPONSIBLE FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT ON THE SERVICE OR THE SITES. WE URGE YOU TO SEEK YOUR OWN OPINIONS, LEGAL, THRIFTANDOLLAR.COM, BUSINESS, OR ANY OTHER TYPE OF OPINION IF YOU DECIDE TO RELY UPON ANY TYPE OF ADVICE OF ANY SORT OR TYPE

The Service and the Sites include bulletin boards, chat rooms and other user and member created pages which allow you and other users and members to post information, provide feedback to us and our affiliates, and interact in real-time. You agree not to post or transmit any unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, profane, hateful, racially, ethnically or otherwise objectionable material of any kind, including, but not limited to, any material which encourages conduct that would constitute a criminal offense, violate the rights of others, violate morals of any sort or type or otherwise violate any applicable local, state, national or international law. You will be responsible for, and indemnify and hold harmless us, our subsidiaries, divisions, affiliates, agents and representatives against, any claim arising from any material that you post or transmit. Although we and our affiliates may from time to time monitor or review discussions, chats, postings, transmissions, bulletin boards and other user and member generated pages on the Site, neither we nor our affiliates are under any obligation to do so.

You acknowledge that we and our affiliates do not control the information available on the bulletin boards, chat rooms and other user and member generated pages and that any opinions, advice, statements, services, offers or other information or content presented or disseminated on any bulletin board, chat room or on any other user or member generated pages are those of their respective authors who are solely liable for their content. We and our affiliates reserve the right, in their sole discretion, to edit, refuse to post or remove any material submitted to or posted on the chat rooms, bulletin boards or on any other user or member generated pages. Your use of the Service and the Sites is at your own risk.

NEITHER US NOR ANY OF OUR SUBSIDIARIES, DIVISIONS, AFFILIATES, AGENTS, REPRESENTATIVES OR LICENSORS SHALL BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR INJURY OR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE OR SIMILAR DAMAGES ARISING OUT OF YOUR ACCESS OR USE OF, OR YOUR INABILITY TO ACCESS OR USE, THE SERVICE AND THE SITES AND THE INFORMATION AVAILABLE ON THE SERVICE AND THE SITES OR ARISING OUT OF ANY ACTION TAKEN IN RESPONSE TO OR AS A RESULT OF ANY INFORMATION AVAILABLE ON THE SERVICE AND THE SITES. YOU HEREBY WAIVE ANY AND ALL CLAIMS AGAINST US, OR/AND OUR SUBSIDIARIES, DIVISIONS, AFFILIATES, AGENTS, REPRESENTATIVES AND LICENSORS ARISING OUT OF YOUR USE OF THE SERVICE AND THE SITES AND THE INFORMATION AVAILABLE THEREON.

Any communication or material you post or transmit to the Service and/or the Sites is, and will be treated as, non-confidential and non-proprietary. You assume full responsibility for anything you post or transmit, and you grant us and our affiliates the right to edit, copy, publish and distribute any information or content you post or transmit for any purpose. We do not review or monitor any web sites linked to the Service and the Sites and are not responsible for the content of any such linked web sites. Your linking to such web sites is at your own risk. You should be aware that if you voluntarily disclose personal information (e.g., user name, email address) on a bulletin board, chat room or on any other user or member generated pages, or for that matter, to anyone other than yourself, that information can be collected and used by others and may result in unsolicited messages from other parties.

This User Agreement and any disputes arising out of or related to the Service and the Sites shall be governed by, and construed and enforced in accordance with, the laws of the State of Illinois with the courts of the County of Cook having original jurisdiction..

We reserve the right to make policies and change our legal statements at any time for any reason within our sole discretion, even to the extent of making any change whatsoever retroactive, forward application, or however we solely decide to so do, even if done and applied retroactive.

You agree that by using/accessing/linking to our website you accept the terms and conditions of not only this policy of this page, but any policy or statement anywhere in our website. You agree that we own all rights attributable to this website, unless of course, it is content belonging to others which we make clear such content belongs to others for which you hold us harmless in regards to content of others just as you do in regards to our content that we have developed. Your access and use of this site and its services bind you to this Agreement.

If you do not agree to the Terms and Conditions of Use for this site, you may not use the site or its services.

We may modify this Agreement at any time, even making it retroactive. Any modifications made to this Agreement will be effective immediately upon posting on the site. By accessing or using the Service, you agree to be bound by all of the terms and conditions of the Agreement as posted on the Service at the time of your access or use. You agree to review the Agreement posted on the Service each time you use the Service so that you are aware of any modifications made to this Agreement

WE DO NOT MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS OF ANY KIND WHATSOEVER (INCLUDING WITHOUT LIMITATION, WARRANTIES OF TITLE OR NONINFRINGEMENT, OR ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE) WITH REGARD TO THE SERVICE, OR WITH RESPECT TO ANY INFORMATION, PRODUCT, SERVICE, MERCHANDISE OR OTHER MATERIAL PROVIDED ON OR THROUGH THE SERVICE. WE DO NOT WARRANT OR GUARANTEE THE ACCURACY, COMPLETENESS, CORRECTNESS, TIMELINESS OR USEFULNESS OF ANY INFORMATION, PRODUCTS, SERVICES, MERCHANDISE OR OTHER MATERIAL PROVIDED THROUGH THE SERVICE OR ON THE INTERNET GENERALLY. WE MAKE NO WARRANTY OR GUARANTEE THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE. WE ARE NOT LIABLE TO ANY USER OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY BASED ON RELIANCE UPON THE INFORMATION CONTAINED ON OR PROVIDED THROUGH THE SERVICE.

You agree that this Agreement is entered into between you and us in the State of Illinois, United States of America, and is performed within the State of Illinois and governed by and shall be construed in all respects under the laws of the State of Illinois, exclusive of its choice of law or conflict of laws provisions. In any claim or action by you directly or indirectly arising under this Agreement or related to the Service, you and we each irrevocably agree to submit to the exclusive personal jurisdiction of the Circuit Court of Cook County Illinois, or if such court does not have subject matter jurisdiction, then you and we each irrevocably agree to submit to the exclusive personal jurisdiction of the United States Court for the Northern District of Illinois, and whichever of those two courts has jurisdiction, you and we each waive any jurisdictional, venue or inconvenient forum objections to such court. If any of the provisions of this Agreement are held to be not enforceable by a court or other tribunal of competent jurisdiction, then such provisions shall be limited or eliminated to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect.

This Agreement constitutes the entire agreement between you and us relating to the access and use of the site and any of its services. This Agreement may not be modified, in whole or in part, except as described elsewhere in this Agreement. Anything contained on the Service inconsistent with or conflicting with the terms of this Agreement is superseded by the terms of this Agreement.

You further agree that if there are any damages awarded to you for any reason whatsoever, you are limited to a total of $1.00, with no additions for any reason at all. If you violate these Terms and Conditions of Use, your use of this site will terminate.

We may notify you that you have breached the Agreement. We may, in our sole discretion, terminate your access to this site, or any portion thereof, or discontinue providing the site, or any portion thereof. These actions are in addition to and not in lieu or limitation of any other right or remedy we may have available at law. Further, we shall not be liable to you or any third party for any such termination or discontinuance. We do not guarantee continuous, uninterrupted or secure access to our services, and operation of this site may be interfered with by numerous factors outside of our control.

You agree that these Terms and Conditions of Use and all incorporated agreements between us and you may be automatically assigned by us, in our sole discretion, to a third party in the event of a merger, acquisition or liquidation. Our failure to act with respect to a breach by you or others of these Terms and Conditions of Use does not waive our right to act with respect to subsequent or similar breaches. These Terms and Conditions of Use set forth the entire understanding and agreement between us and any site user with respect to the site, its uses and services.   Click Here to go to the top of this page. 

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