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    TERMS OF USE

    Welcome to the www.okricky.com website (“Site”) operated by OKRicky. By visiting and using this Site you will be accepting these Terms of Use (“TOU”). The TOU governs your access to and use of the Site and any of the Services we provide through the Site (together the “Services”). Please read them carefully and if you disagree with the TOU in any way, then do not use this Site or any of the Services. OKRicky reserves the right to post changes to the TOU on this Site at any time. If we make any material changes to this TOU, we will post the updated TOU here, along with its effective date, and notify you by email or by means of a notice on our Site. If any TOU changes are not acceptable, you must stop your use of this Site. In these TOU, “OKRicky” and “we” refer to OkRicky, LLC, and “User” or “you” refer to each visitor to this Site.

    If you subscribe to any Services offered through this Site, you may also be subject to additional terms and conditions (“Terms of Service” or “TOS”) applicable to such Services, which will be brought to your attention at that time.

    Sites and Services

    We do not guarantee that access to or use of this Site or any Services will be uninterrupted or error free, and OKRicky shall not be liable for any feature not being accessible or for any unavailability of its Site and Services. The Site and its features may be expanded, limited or modified at any time by OKRicky to meet the needs of its Users, or for technical or other reasons, without advance notice or reason. We may also in our sole discretion, and at any time, discontinue providing, temporarily or permanently, any or all of the Site or Services, without notice. To access some of the content or features of the Site or its Services, Users may need to enhance or update the hardware or software in their computer systems. OKRicky assumes no responsibility for any failure to access the Site or any Services, partially or fully, whether due to the User’s system, the Internet network or any other cause.

    Minors

    We do not provide information or services to minors, and if you are under 18, and at least 13 years of age, you may only use this Site and/or the Services with the active involvement of a parent, guardian or other supervising adult. You may not use this Site if you are under 13 years of age.

    No Individual Investment Advice

    This Site does not provide individual or customized legal, tax, accounting, or investment services. Since each individual’s situation is unique, a qualified professional should be consulted before making financial decisions.

    Message Web Site Content Limitations

    We make no guarantees as to the accuracy, thoroughness or quality of the information on this Site or through the Services, which is provided only on an “AS-IS” and “AS AVAILABLE” basis at User’s sole risk. This information may be provide by third parties and OKRicky shall not be responsible or liable for any errors, omissions or inaccuracies in the Site content. The information and investment, accounting, or legal strategies provided at this Site are neither comprehensive nor appropriate for every individual. Some of the information is relevant only in Canada or the U.S., and may not be relevant to or compliant with the laws, regulations or other legal requirements of other countries. It is your responsibility to determine whether, how and to what extent your intended use of the information and Services will be technically and legally possible in the areas of the world where you intend to use them. You are advised to verify any information before using it for any personal, financial, accounting, legal, or business purpose. In addition, the opinions and views expressed in any article on this Site are solely those of the author(s) of the article and do not reflect the opinions of OKRicky or its management. The Site content and services may be modified at any time by us, without advance notice or reason, and OKRicky shall have no obligation to notify you of any corrections or changes to any Site content.

    License to Use Site Content

    We grant you a limited personal use license to access, display, download, format and print portions of this Site content solely for your own personal non-commercial use, provided that the content is not modified and all proprietary notices are kept intact. You may not reproduce, publish, translate, merge, sell, rent, distribute the content, or create a derivative work of the content on any other website or as part of any educational, training or reference materials. You may not frame or utilize framing techniques to enclose any content on this Site.

    Please note that, if you purchase any Courses (as defined herein) through the OKRicky Academy that purchase is subject to specific license rights provided for in the OKRicky Academy section of this TOU (below).

    Third Party Content

    Any testimonials, opinions, advice, product or service offers, or other information or content made available on or through this Site by third parties (“Third Party Content”) are solely those of their respective providers and not of OKRicky which does not guarantee the accuracy, completeness, reliability or usefulness of Third Party Content. It is the responsibility of the User to evaluate Third Party Content and OKRicky shall not be liable for any damage or loss caused by Users’ reliance on or other use of Third Party Content.

    Content Posted by Users

    To the extent we enable you to, and you choose to post or share any content or materials, you will be: (a) granting OKRicky a fully transferable, sub-licensable (with rights to sublicense, including, without limitation, through multiple tiers) to display, perform, reproduce, modify, transfer, distribute and create derivative works from the User Content and to associate your public profile information (if any) with such User Content, in any media formats and through any channels (whether now known or hereafter developed) and waiving any moral rights in favor of OKRicky with respect to such use of the User Content; (b) granting OKRicky a perpetual, world-wide, royalty-free, fully paid-up, non-exclusive license to allow your materials to be edited and displayed by OKRicky on its Site, and accessed by Users, for the purposes and on the terms as set out in these TOU; (c) agreeing to indemnify and hold harmless OKRicky and its Users from any claim or demand made by any third party due to or arising out of your User Content; and (d) representing that you own or otherwise have the right to post the User Content, that the User Content is accurate, that use of the User Content on the Site does not violate any laws, and that the materials will not cause injury to any person, including without limitation to the intellectual property, personal or privacy rights of others. OKRicky shall have the right to use your name in connection with your posted User Content. OKRicky reserves the right to remove or modify any User Content for any reason, including without limitation, if we believe it violates these TOU.

    If you choose to post any User Content and interact with other users, if applicable, please be respectful of other users and use common sense when posting comments. Remember that anything you post online may be perpetually available and is not confidential or private. Do not post anything you would not be comfortable sharing or being made public.

    Account Creation

    Some of the Services offered by OKRicky require you to create an account. When you create an account, you agree that you have the authority to create that account and that all information you provide will be true, accurate, current, and complete. You are solely responsible for keeping your login information (e.g., user ID and password) accurate, secure, and confidential. You are also responsible for any activity resulting from use of your login information. You agree to immediately inform us if you suspect that your login information has been comprised. We are not liable to you for any losses or damages you incur resulting from unauthorized use of your login information.

    Social Sign in. If you login or sign in using social networking functionality, e.g., Facebook, you agree to abide by the applicable social network’s terms and conditions.

    Community

    OKRicky may offer certain services which allow users to engage in one or another manner with a network of third party experts and advisors (including by submitting proposed questions to be posed to financial planning and personal finance professionals). Your use of and reliance on such services, if any, is entirely at your own risk, and you are always solely responsible for complying with this TOU. Your submissions (including any public profile information associated with such submission) and any associated responses from our advisor network, all of which materials constitute Third Party Content under this TOU, may be displayed in publicly viewable forums. Submission of a question does not guarantee a response will be provided. Please note that we also enable you to follow individual advisors by clicking on the “follow” button on an advisor’s OKRicky profile page and providing your email address. If you choose to follow any advisor, you agree to receive weekly recaps of the advisors content via an email newsletter. You may unsubscribe from receiving an advisor newsletter at any time by clicking the opt-out link in any email communication from us and/or by accessing the “Manage Subscriptions” page on our Site. Please also see our “Communications” section below for more information on how we may communicate with you regarding the services we offer.

    IMPORTANT: No Client Relationship; No Privilege. By answering questions, advisors do not intend to form, and do not form an advisor-client, planner-client, or any other direct privileged or professional relationship with any user of the Site. Please keep in mind that laws, regulations, other governing authorities, standards, practices and procedures that apply to your particular question may differ depending on your location. Additionally, none of the Third Party Content will be treated as private or confidential, nor is it protected by attorney-client, or any other privilege, and it may be read, collected, and used by OKRicky and others. Search engines may index your questions, answers, and other Third Party Content to allow such content to appear in search engine results (e.g. if someone does a search on google.com or another search engine, your questions, answers, and other Third Party Content on our Site that relate to the search may appear in the search results list with links to your questions, answers, and other Third Party Content).

    PLEASE NOTE: OKRicky does not provide tax, accounting, legal, investment, or financial services. The information available through OKRicky is provided by third parties and solely for informational purposes on an “as is” basis at user’s sole risk. The information is not meant to be, and should not be construed as advice or used for investment, financial planning, legal, accounting, or tax purposes. OKRicky makes no guarantees as to the accurateness, quality, or completeness of the information and OKRicky shall not be responsible or liable for any errors, omissions, inaccuracies in the information or for any user’s reliance on the information. User is solely responsible for verifying the information as being appropriate for user’s personal use, including without limitation, seeking the advice of a qualified professional regarding any specific financial, legal, accounting, or tax questions a user may have. While OKRicky may edit questions provided by users for grammar, punctuation, profanity, and question title length, OKRicky is not involved in the questions and answers between advisors and users, does not endorse any particular financial, legal, accounting, or tax professionals that provide answers via the AI Service, and is not responsible for any claims made by any advisor. OKRicky is not endorsed by or affiliated with any state/provincial/territorial bar association or other legal or accounting membership organization or association, tax authorities, or agencies or associations, or the Financial Industry Regulatory Authority (FINRA) in the U.S., the Investment Industry Regulatory Organization of Canada (IIROC) or any other financial regulatory authority, agency, or association.

    Webinars

    In the event that OKRicky makes general education and/or continuing education webinars available to financial advisors or others (each a “Webinar” and together “Webinars”), the below applies in addition to the rest of the terms of this TOU. You understand and agree to receiving communications from OKRicky and/or providers of these Webinars, including as set forth in the “Communications” section of this TOU. OKRicky reserves the right at any time and for any reason and without notice to you, to change, modify, suspend, or cancel access to and/or any and all of the Webinars and/or services related to the Webinars, in whole or part.

    Continuing Education. OKRicky may offer continuing education Webinars that are Certified Financial Planner Board of Standards Inc. (“CFP Board”) and/or Investments & Wealth Institute® (“IWI”) approved. OKRicky will identify which Webinars are approved for such credit on the landing page(s) for each Webinar. You understand and agree that OKRicky may be required to share information regarding your participation in and/or completion of such certified program to the CFP Board and/or IWI in order for you to be eligible for and/or receive continuing education credits.
    General Education. OKRicky may offer Webinars that are for general education and are not approved for any credit by any professional or state/provincial/territorial board or organization or by any educational institution.
    For Informational Purposes Only. Each Webinar and any content or materials provided in connection with any Webinar is for informational purposes only. Information may not be applicable for each state/province/territory and/or jurisdiction. OKRicky cannot guarantee that any information provided in a Webinar will be accurate, complete, and/or current at all times. We make no representations or warranties regarding the quality of the Webinar content, related materials, or any instructor.

    All Webinar content is owned by or licensed to OKRicky and/or its licensed content providers, and all such rights are reserved. You may not reproduce, upload, transmit, distribute, publicly display, sell, publish, copy, or otherwise use the Webinar, and/or any content or materials provided in connection with any Webinar for any commercial purpose without OKRicky’s express written consent.

    The appearance of any instructor in any Webinar is not and shall not be deemed an endorsement or recommendation of that instructor by OKRicky and the views expressed in any Webinar are those of the instructor and not OKRicky.

    Services

    OKRicky offers online information courses, workshops, classes and other educational programs relating to the world of finance to you for a fee (“Course(s)”) through its OKRicky Academy services. For clarity, the OKRicky Academy is included as part of the Services offered by OKRicky. OKRicky may also offer you the ability to engage in communication with fellow users taking the Courses. This TOU, including this section specifically on OKRicky Academy, govern your purchase, use and/or access to any Course. You must login to your account to sign up for a Course. OKRicky uses third party services to provide the platform for the Courses as well as for payment processing and those third parties may have access to your information for the purposes of providing the Course Services. Please note that we may communicate with you as set forth in the “Communications” section of this TOU in connection with the provision of the OKRicky Academy and/or other OKRicky services.

    Informational Purposes Only. These Courses are offered for information purposes only. Neither OKRicky, nor any person providing instruction in any Course, is providing you legal, accounting, investment or financial advice. You are solely responsible for confirming the accuracy and appropriateness of the information for your own uses with your tax, finance, or legal advisor. OKRicky’s provision of any Course or the appearance of any specific person instructing any Course is not a recommendation by OKRicky of that Course, the content contained therein or the person providing instruction. We do not employ any instructors and are not responsible or liable to you for any interactions between you and any instructor or any other user of the Services. We make no representations or warranties as to the quality of any Course or instructor.

    No Academic Credit. OKRicky is not an accredited educational institution. Your participation in, or completion of, any Course does not confer any academic credit. Nothing in this TOU or otherwise through the Services or on our Site, enrolls you in any educational institution or in any course offered by any such institution.

    Payment. Each Course, bundle of Courses, or subscription package (the “Online Course Offering”) is offered for certain price as listed on the relevant landing page. All fees are in U.S. dollars. To purchase an Online Course Offering you must provide one or more Payment Methods. You represent and warrant that you are authorized to use any and all Payment Method(s) you use to purchase an Online Course Offering. You agree to pay for all OKRicky products and services that you purchase, and agree that we may charge your selected payment method through our third party payment processor for any such payments. If your payment method fails, we may collect fees owed or use other collection methods. We may also suspend or terminate your access to our Services. For some Payment Methods, the issuer may also charge you certain fees, such as foreign transaction fees or other fees relating to the processing of your Payment Method. Local tax charges may vary depending on the Payment Method used. Check with your provider for details. “Payment Method” means a current, valid, accepted method of payment as may be updated from time to time and which may include payment through your account with a third party).

    We use a secure third party payment processor(s) for the Online Course Offering. These payment processors accept payment methods as detailed on the payment page. Information that you supply to our payment processors is not stored or controlled by us and is subject to the third-party payment processors’ privacy policy and terms and conditions. To the extent allowed under applicable law, we disclaim all liability with regard to any problems you have with any third party payment processors.

    Taxes. If you elect to access or use Services that involve payment of a fee, then you agree to pay that fee and all taxes associated with such access or use, including, if applicable, any sales tax OKRicky believes in good faith that it is required to collect OKRicky may collect taxes (e.g., sales tax or VAT) on any transaction where it reasonably believes that tax collection is required. Where OKRicky believes in good faith that VAT collection is required for any Course, VAT will be calculated and added once your billing information is provided. You will indemnify and hold OKRicky harmless against any and all claims by any tax authority for any underpayment of VAT, and any penalties and/or interest thereon. OKRicky is unable to provide you with tax advice and you should consult your own tax advisor.

    Compliance with Laws. You agree to comply with all applicable laws in connection with your purchasing and/or viewing of any Course. Further, access to our Courses from certain territories is prohibited. You agree that you will not violate any data export laws in connection with your purchase and/or viewing of the Courses if you reside outside the United States.

    Course Ownership. We and our licensors own all right, title and interest in and to the Course(s) and related materials. We and/or third party licensors either own or have all necessary rights in and to the content contained in any Course (e.g., lectures, video lessons, quizzes, presentation materials, assignments, images, text, displays, documents, audio and/or video clips, HTML, etc.). The foregoing includes any and all copyrights, trademarks, or other proprietary rights under applicable law. Nothing contained in this TOU or in any Course conveys to you any ownership or other proprietary right except as otherwise set forth herein.

    Any OKRicky logos and/or trademarks that appear in any Course are our property and may not be used without our express written consent. All other trademarks, service marks and logos used in connection with any Course, with or without attribution, are the trademarks, services, or logos of their respective owners and may not be used without their express written consent.

    Your Use of the Courses. Subject to your compliance with this TOU and any other guidelines or policies we include through the Services, OKRicky grants you a limited, non-transferable, non-sublicenseable, non-exclusive, revocable license to make non-commercial, personal use of the Courses you purchase. Purchase of a Course only entitles you to the view the Course, and is not a purchase of the software or content included in the Course. Except as set forth below, OKRicky reserves the right to terminate your access to the Site at any time for any reason or no reason at all, with or without notice to you. Unless you have, as determined in our sole discretion, violated this TOU, such termination will not terminate your right to view any Courses you have already purchased. You may not transfer your account to any other person or use anyone else’s account. Except as otherwise expressly permitted in this TOU, you are prohibited from and may not copy, sell, re-sell, display, reproduce, publish, modify, creative derivative works from, transfer, distribute, or commercially exploit the Courses and/or any related materials; and OKRicky reserves the right to pursue legal action against you in connection with any unauthorized use of the Courses, the related materials, or your violation of this TOU, whether at law or equity.

    Subject to your satisfactory completion of a Course, as determined by OKRicky in its sole discretion, OKRicky may provide you with a certificate of accomplishment upon conclusion of the applicable Course. You acknowledge that any such certificate merely indicates completion of a Course and is not affiliated with any college, university, company, or other certifying institution, and does not stand in the place of a course taken at any academic institution and does not convey academic credit or certification for any such academic institution and neither OKRicky nor any instructor has any obligation to you to assist you in obtaining any such credit or certification.

    Indemnification. You agree to indemnify and hold OKRicky harmless from and against any claims arising out of or related to your use of the OKRicky Academy Service, including without limitation, for your violation of any law or regulation or if your use infringes or otherwise violates any intellectual property or other proprietary right of OKRicky or any person or entity.

    Modification and/or Termination of Courses. We reserve the right to at any time, modify or discontinue, temporarily or permanently any one of the Courses or the OKRicky Academy in whole or part. You agree that we are not liable to you or any third party for any such modifications, suspension, or termination of any or all Courses. Nothing in this TOU shall be construed to obligate us to maintain and/or support any of the online Course services, in whole or part, during the term of this TOU or thereafter.

    Exam Preparation Materials

    In the event that OKRicky makes available study guides and other exam preparation information, including study guides and/or links to such materials on third party sites (collectively the “Exam Prep”), the below applies in addition to the rest of the terms of these TOU. You understand and agree to receiving communications from OKRicky, including as set forth in the “Communications” section of this TOU. OKRicky reserves the right at any time and for any reason and without notice to you, to change, modify, suspend, or cancel access to and/or any and all of the Exam Prep material.

    All Exam Prep material and information available on OKRicky or third party sites linked-to through OKRicky are for informational purposes only. Exam content review, methods of study, tips and sample questions are only recommendations, and use of this material does not guarantee passing any exam. While OKRicky has made reasonable efforts to provide current and accurate information, OKRicky will not be held liable for any unintentional errors or omissions that may be found. OKRicky is not affiliated, approved, or endorsed by FINRA, the NFA, NAASA, the CFA Institute, CMT Association, GARP, IIROC or the IRA.

    Incentives, Rewards, Discounts and Other Promotional Offers

    OKRicky may offer incentives, offers, promotions, discounts, sweepstakes, or contests in connection with its Services. In the case of sweepstakes or contests, you will be provided separate terms and conditions that must be agreed to in order to be eligible for participation in any sweepstakes and/or contests. In connection with any incentives, rewards, or similar programs (For example, but not limited to, the Advisor Insights incentives program for financial advisor users and discount codes for OKRicky Academy), any such program is issued at OKRicky’s sole discretion and cannot be transferred, bartered or sold or used for a purchase where payment is made using payment information (e.g., a credit card number or PayPal account). Any such incentives and/or programs are not a payment instrument; they are issued without any exchange of money or value from you and you have no vested property right or interest in the incentives. OKRicky reserves the right to cancel or revoke any incentives or programs, or your participation therein, for any reason or no reason whatsoever, including, without limitation, if it determines in its sole discretion that you have violated these terms, the terms specific to any rewards, incentive, or other program, or the rest of this TOU. OKRicky reserves the right in its sole discretion at any time and without prior notice to you, to add to, remove or otherwise change the terms applicable to the issuance and use of any incentive, offers, promotions or other similar program.

    OKRicky may, at its sole discretion, offer discounts to OKRicky courses. Such discounts are not applicable toward past purchases and cannot be combined with any other offers or promotions. Discounts apply toward the purchase price of an OKRicky Academy course, only, and cannot be applied toward taxes or other fees. Discounts offered by OKRicky have no cash value, and are nontransferable. No cash/credit back. Each discount code may only be used once, and only one discount code may be used per purchase. OKRicky reserves the right to modify or discontinue accepting any discount code or other discount at any time without notice. Void where prohibited by law. In the event of any violation of this TOU or other terms of any discount offered by OKRicky, OKRicky shall be entitled to suspend and/or revoke access to your OKRicky account.

    Broker Reviews

    In the event that OKRicky makes available reviews of online brokers (each a “Review” and together the “Reviews”), the below applies in addition to the rest of the terms of these TOU. You understand and agree to receiving communications from OKRicky, including as set forth in the “Communications” section of this TOU. OKRicky reserves the right at any time and for any reason and without notice to you, to change, modify, suspend, or cancel access to and/or any and all of the Reviews.

    For Informational Purposes Only. Each Review is provided for informational purposes only. Information may not be applicable for each state/province/territory and/or jurisdiction. OKRicky cannot guarantee that any information provided in a Review will be accurate, complete, and/or current. We make no representations or warranties regarding the quality of the Review content.

    You may not reproduce, upload, transmit, distribute, publicly display, sell, publish, copy, or otherwise use the Review, and/or any content or materials provided in connection with any Review for any commercial purpose without OKRicky’s express written consent.

    The publication by OKRicky of any Review is not and shall not be deemed an endorsement or recommendation of that broker by OKRicky and the views expressed in any Review are those of the Reviewer and not OKRicky.

    The information contained in a Review may be different from the information provided when you visit the website of a financial institution, service provider or specific product. When evaluating online brokers, please review the online broker’s own terms and conditions. We do not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by online brokers. We do not guarantee that quotes, fees, terms, rates, coverage or services offered by online brokers are the best available. We are not involved with and are not responsible for any fee arrangement that you may enter into with any online broker or other service provider. You hereby release us of any and all losses, costs, damages or claims in connection with, arising from or related to your use of a service provider’s products or services.

    OKRicky may receive compensation from online brokers when a user applies or gets approved for a financial product through our Website. Compensation may influence which products and brokers we review and write about, and whether products appear on our Website. The Website does not purport to feature every online broker or financial product available on the market.

    Viruses

    OKRicky does not guarantee that files available for downloading through its Site will be free of infection or viruses or other code that may have contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for integrity, security and accuracy of data input and output, and for maintaining a means external to the Site for the reconstruction of any lost data.

    Advertisers Are Not Endorsed

    Though we seek to partner with quality companies, we are not responsible for the claims or representations made by advertisers and sponsors. OKRicky does not review, endorse or recommend the products or services of any company mentioned on our Site. We will not be liable in any way for damages of any kind resulting out of the misuse of any personal information or data submitted by you to an advertiser or sponsor.

    Links

    As a convenience to Users, the Site and Services may provide links to other sites or resources. Because we do not review and have no control over such sites and resources, OKRicky shall not be responsible or liable for use of or reliance on any content, products, services or information at such sites or resources. Inclusion of any links does not imply any endorsement, affiliation, approval, association or sponsorship by OKRicky of the linked websites, resources, their operators or owners. When you select a link, you may be leaving our Site. The information available on third parties websites may have certain restrictions on its use or distribution which differ from this TOU.

    Prohibited Conduct

    The following activities are strictly prohibited:

    Posting unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation (“Spamming”);
    Postings for any unlawful or fraudulent purpose (including links);
    Posting of personal information (for yourself or anyone else);
    Posting materials containing viruses or other malicious or destructive code;
    Posting of offensive content including profanity, obscenity, racist or pornographic material;
    Engaging in any activities that are defamatory, violate the personal privacy rights of others, or infringe any person’s rights, including but not limited to, collecting and distributing information about Internet users without their permission, except as permitted by applicable law;
    Posting any content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, hateful, degrading to others on the basis of gender, race, class, ethnicity, national origin, religion, sexual preference, disability or other classification or otherwise objectionable in any way;
    Copying, modifying, creating a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code of the Site or Services;
    Removing or obscuring the copyright notice or other notices displayed in connection with the content accessible through the Site or Services;
    Interfering with or disrupting the Site functionalities, Services, or servers and networks connected to Site, or disobeying any requirements, procedures, policies, or regulations of networks connected directly or indirectly to the Site;
    Modifying the Site or Services in any manner or form, or using modified versions of the Site or Services, including (without limitation) for the purpose of obtaining unauthorized access to the Site or Services;
    Reproducing, printing, caching, storing, or distributing content retrieved from the Site or Services in any way not authorized by this TOU or for any commercial use without the prior written permission of OKRicky;
    Selling, assigning, sublicensing, or otherwise transferring any right in the Services or content accessible through the Site;
    Accessing the Site or Services by any means other than through the interface that is provided by OKRicky;
    Using the Site or Services to violate any law (whether local, state/provincial/territorial, national, or international), whether or not intentionally;
    Impersonating any person or entity, or falsely stating or otherwise misrepresenting your affiliation with any person or entity;
    Manipulating identifiers in order to disguise the origin of any question, answer or comment you post on the Site;
    Engaging in “screen scraping,” “database scraping,”; and/or
    Facilitating violations of this TOU or the Privacy Policy.

    Communications

    When you visit our Site, use any of our Services, or send us an email, you expressly indicate your consent to electronically receive any and all communications, notices, and our disclosures that we may provide in connection with your use of the Site and/or Services, including, without limitation, e-mail, in-app, and in-website chat communications. All agreements, notices and communications that we provide to you by email will satisfy all legal requirements that they be in writing and delivered to you. OKRicky will have the right to disclose any email sent by a User, or any objectionable material, to comply with legal process or to protect the rights or property of OKRicky, its customers, suppliers and Users. Any such notices may also include emails with promotional, marketing, and advertising information and recommendations that we believe may be of interest to you, in accordance with applicable law. Consistent with federal CAN-SPAM or anti-spam laws, if you do not wish to receive commercial emails, you may unsubscribe following the instructions on any email, excepting that we may still send you administrative and transactional notices, including, without limitation, information about your Account, confirmation of your registration for Courses, information about your progress, or other services that may be necessary to provide you with any one of the Services.

    If you provide your telephone number to us when you register for an Account or use other OKRicky Services on the Site, you expressly consent to receive autodialed or prerecorded calls and text messages from OKRicky at that number. If a telephone number is a mobile telephone number, you hereby consent to receive SMS or text messages at that number. We may place such calls or texts to (i) notify you about your account and any use thereof; (ii) provide you with services associated with the Online Courses, Webinars, etc.; (iii) troubleshoot problems with your account; (iv) resolve disputes; (v) contact you with offers and promotions; or (vii) as otherwise necessary to service your account or enforce these TOU, our policies, applicable law, or any other agreement we may have with you. We will not share your phone number with third parties for their purposes without your consent. We may share your phone numbers with our Affiliates or with our service providers, such as customer support, billing or collections companies, who we have contracted with to assist us in pursuing our rights or performing our obligations under these TOU, our policies, applicable law, or any other agreement we may have with you. You agree these parties may also contact you using autodialed or prerecorded calls and text messages, as authorized by us to carry out the purposes we have identified above, and not for their own purposes. Standard telephone minute and text charges may apply.

    You understand and consent that we may, in our discretion, monitor or record telephone conversations you or anyone acting on your behalf has with us or our agents for quality control and training purposes or for our own protection. You acknowledge and understand that, while your communications with us may be overheard, monitored, or recorded, not all telephone lines or calls may be recorded by us, and we do not guarantee that recordings of any particular telephone calls will be retained or retrievable.

    Feedback

    We welcome all feedback, ideas, inventions, materials, and suggestions (“Feedback”) from our Users regarding our Services. You understand and agree that OKRicky does not waive any rights to use similar and/or related Feedback previously or contemporaneously known to it, whether developed by its employees, contractors, obtained from other sources, or submitted by other Users. Further, by submitting any Feedback, you grant us the right to use the Feedback without any restrictions on the use of such Feedback or any compensation to you.

    Proprietary Rights

    The OKRicky Site and its content are protected by copyright, trademark and other proprietary laws. See our Copyright Notice.

    Copyright Infringement Policy

    Reporting Copyright Infringement. OKRicky takes claims of copyright infringement seriously. We will respond to notices of alleged copyright infringement that comply with applicable law. For U.S. users, if you believe any materials accessible on or from the Site infringes your copyright, you may request removal of those materials (or access to them) from the Site by submitting written notification to our Copyright Agent (designated below). In accordance with the Digital Millennium Copyright Act (17 U.S.C. § 512) (“DMCA”), the written notice (the “DMCA Notice”) must include substantially the following:

    Your physical or electronic signature.

    Identification of the copyrighted work you believe to have been infringed or, if the claim involves multiple works on the website, a representative list of such works.
    Identification of the material you believe to be infringing in a sufficiently precise manner to allow us to locate that material.
    Adequate information by which we can contact you (including your name, postal address, telephone number and, if available, e-mail address).
    A statement that you have a good faith belief that use of the copyrighted material is not authorized by the copyright owner, its agent or the law.
    A statement that the information in the written notice is accurate.
    A statement, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.
    If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your DMCA Notice may not be effective.
    Please be aware that if you knowingly materially misrepresent that material or activity on this website is infringing your copyright, you may be held liable for damages (including costs and attorneys’ fees) under Section 512(f) of the DMCA.
    Repeat Infringers. It is our policy in appropriate circumstances to disable access to this Site and/or terminate the accounts of users who are repeat infringers of these TOU.

    DISCLAIMER OF WARRANTIES

    THE SITE AND SERVICES ARE PROVIDED FOR INFORMATIONAL PURPOSES ONLY. NO CONTENT ON OUR SITE IS INTENDED TO CONSTITUTE PROFESSIONAL ADVICE, WHETHER MEDICAL, FINANCIAL, LEGAL OR OTHERWISE. YOUR USE OF THE SITE, THE WIDGETS AND SERVICES IS AT YOUR SOLE RISK. THE SITE, THE WIDGETS AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. OKRICKY MAKES NO REPRESENTATION OR WARRANTY THAT THE SITE, THE WIDGETS OR SERVICES WILL MEET YOUR REQUIREMENTS, OR WILL BE UNINTERRUPTED, SECURE, CURRENT OR ERROR-FREE, OR THAT THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE, THE WIDGETS, AND SERVICES WILL BE ACCURATE, TIMELY, USEFUL OR RELIABLE. TO THE GREATEST EXTENT PERMITTED BY LAW, OKRICKY DISCLAIMS ALL WARRANTIES, REPRESENTATIONS AND CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT, WITH RESPECT TO THE USE OF THE WIDGETS THE SITE, AND ITS SERVICES, OR THE ACCURACY, COMPLETENESS, TIMELINESS OR CURRENTNESS OF ITS CONTENT, IN ANY WAY AND FOR ANY PURPOSE.

    EXCLUSION OF CONSEQUENTIAL DAMAGES

    IN NO EVENT WILL OKRICKY BE LIABLE FOR ANY INCIDENTAL, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR INDIRECT DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE THE WIDGETS THIS WEBSITE OR ANY OF ITS SERVICES OR CONTENT, OR LOSS OF DATA, EVEN IF OKRICKY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, PRODUCT LIABILITY, STRICT LIABILITY OR OTHERWISE.

    EXCLUSION OF LIMITATIONS AND DISCLAIMERS

    BECAUSE SOME JURISDICTIONS, SUCH AS NEW JERSEY, RESTRICT OR DO NOT ALLOW THE DISCLAIMER OF WARRANTIES, OR THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH JURISDICTIONS OKRICKY’S LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

    General

    This TOU, and any applicable TOS, constitute the entire agreement between each User and OKRicky governing the User’s access to and use of the Site and its Services, and supersede all prior agreements regarding its subject matter.

    The failure by a User or OKRicky to exercise any right or to enforce any provision of this TOU shall not constitute a waiver of such right or provision. If any provision of this TOU is found by a court of competent jurisdiction to be invalid or unenforceable, the court shall give effect to the intentions reflected in the provision to the degree possible, and the other provisions of this TOU will remain in full force and effect.