terms the first time you access secure content of this website, or when accessing secure content after we change
By accessing and using skypathcounseling.com (the "Web Site"), you agree to be legally bound
using the Web Site strictly for educational purposes. If any of these
terms are unacceptable to you, you may not access the Web Site until agreement has been
The terms "you" and "User" refer to anyone who accesses the Web Site.
As you browse through the Web Site you may access other Web Sites that are subject to
Subject to applicable laws and regulations, SkyPath Community Counseling Center ("SkyPath"), may
1. USE OF THE WEB SITE.
SkyPath grants you a non-exclusive, non-transferable, limited license to access and use
the Web Site for the fees, if applicable, and under the terms set forth below. The content of
the Web Site made accessible by SkyPath on the Web Site includes, but is not limited to,
financial calculators, text, data, reports, images, photos, graphics, graphs, charts,
animations and video (collectively, the "Content").
The Content may be used only for non-commercial use.
User Content made available on skypathcounseling.com
Material that appears on the Web Site that is entered by you or other Users, or that is
otherwise made accessible by other than SkyPath, is referred to as "User Content"
or "Other Content"). Use of Other Content is governed by Section 6 below.
Intellectual Property Rights and Unlawful Use
The Content is the property of SkyPath or its providers, and is protected by
copyright and other intellectual property laws. All trade names, trademarks, service marks
and other product and service names and logos on the Web Site and within the Content are
proprietary to their respective owners and are protected by applicable trademark and
copyright laws. Any of the trademarks, service marks or logos (collectively, the "Marks")
displayed on the Web Site may be registered or unregistered marks of SkyPath or others.
Nothing contained on this Web Site should be construed as granting any license or right to
use any of the Marks displayed on the Web Site without the express written permission of
SkyPath or a third party owner of such Marks. You shall honor all reasonable requests
by SkyPath to protect SkyPath proprietary interests in the SkyPath
Web Site and the Content. Illegal and unauthorized uses of the Marks or any other Content
are strictly prohibited.
NOTE: Use of Content on this Web Site may be periodically monitored to assure
to this Web Site either with or without notice if SkyPath has a reasonable basis
2. ANTI-HACKING PROVISION
You expressly agree not to:
•use or attempt to use any "deep-link," "scraper," "robot,""bot," "spider,"
"data-mining," "computer code" or any other automated device, program, tool,
algorithm,process, or methodology or manual process having similar processes or
functionality, to access, acquire, copy, or monitor any portion of the Web Site, any data
or Content found on or accessed through the Web Site or any Other Content without the
prior express written consent of SkyPath;
•obtain or attempt to obtain through any means any materials or information on the
Web Site that have not been intentionally made publicly available either by their public
display on the Web Site or through their accessibility by a visible link on the Web Site;
•violate the restrictions in any robot inclusion headers on this Web Site or in any
way bypass or circumvent any other measure employed to limit or prevent access to the
Web Site or its Content;
•violate the security of the Web Site or attempt to gain unauthorized access to the
Web Site, data, materials, information, computer systems or networks connected to any
SkyPath server, through hacking, password mining or any other means;
•interfere or attempt to interfere with the proper working of the Web Site or any
activities conducted on or through the Web Site, including accessing any data, content or
other information prior to the time that it is intended to be available to the public on
the Web Site;
•take or attempt any action that, in the sole discretion of SkyPath, imposes or
may impose an unreasonable or disproportionately large load or burden on the Web Site or
As part of the registration process, you must select a user name and password and provide
SkyPath with other accurate, complete, and updated information. Please see our
Privacy Notice and the Registration and Logon screens for information regarding how this
information will be used and maintained.
4. LIMITATION ON WARRANTIES AND LIABILITY
You are entirely liable for activities conducted by you or anyone else in connection with
your browsing and use of the Web Site. If you are dissatisfied with the Web Site or with
SkyPath nor any third party provider will pay you any damages in connection with your
browsing or use of the Web Site.
Neither SkyPath, nor its affiliates, nor their third party providers guarantee the
accuracy, completeness, timeliness or availability of any information provided through this
Web Site. SkyPath, its affiliates or their third party providers and their directors,
officers, shareholders, employees or agents are not responsible for any errors or omissions,
regardless of the cause, or for the results obtained from the use of such information.
SKYPATH, ITS AFFILIATES AND THEIR THIRD PARTY PROVIDERS DISCLAIM ANY AND ALL EXPRESS
OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR
FITNESS FOR A PARTICULAR PURPOSE OR USE. In no event shall SkyPath, its affiliates or
their third party providers and their directors, officers, shareholders, employees or
agents be liable to any party for any direct, indirect, incidental, exemplary, compensatory,
punitive, special or consequential damages, costs, expenses, legal fees, or losses
(including, without limitation, lost income or lost profits and opportunity costs) in
connection with any use of such information even if advised of the possibility of such
Users of the information provided through this Web Site should not rely on any of it in making
any investment decision. SkyPath does not act as a fiduciary or an investment advisor.
5. LINKS TO OTHER WEB SITES FROM THIS WEB SITE.
You may, through hypertext or other computer links, gain access to Web sites operated by
persons other than SkyPath. Such hyperlinks are provided for your reference and
convenience only, and are the exclusive responsibility of such Web sites' owners.
You agree that SkyPath is not responsible for the content or operation of such
Web sites, and that SkyPath shall have no liability to you or any other person or
entity for the use of third party Web sites. Except as described below, a hyperlink from
this Web Site to another Web site does not imply or mean that SkyPath endorses the
content on that Web site or the operator or operations of that site. You are solely
responsible for determining the extent to which you may use any content at any other
Web sites to which you link from this Web Site. SkyPath assumes no responsibility
for the use of the software on the Web Site and shall have no liability whatsoever
to any person or entity for the accuracy or completeness of any outcome generated by
6. THE USER'S CONTENT
The User grants to SkyPath the non-exclusive right to use all material entered into
the Web Site.
The User agrees to indemnify SkyPath and any third party data providers, from all
damages, liabilities, costs, charges and expenses, including reasonable attorneys' fees,
that SkyPath, their affiliates, employees, and authorized representatives may incur
as a result of either: (i) the User's breach of this Agreement; or (ii) material entered
into the SkyPath Web Site with the use of the User's screen name or password.
7. ADDITIONAL LEGAL TERMS
Subject to applicable laws and regulations, SkyPath may discontinue or change the
SkyPath Web Site, or its availability to you, at any time. The terms of this Agreement
will survive any such discontinuation.
This Agreement constitutes the entire agreement between the parties relating to the Web Site
and supersedes any and all other agreements, oral or in writing, with respect to the Web Site.
The failure of SkyPath to insist upon strict compliance with any term of this Agreement
shall not be construed as a waiver with regard to any subsequent failure to comply with such
term or provision. This Agreement is personal to you, and you may not assign your rights
or obligations to anyone. If any provision in this Agreement is invalid or unenforceable
under applicable law, the remaining provisions will continue in full force and effect.
This Agreement, your rights and obligations, and all actions contemplated by this
Agreement shall be governed by the laws of the United States of America and South Carolina
State. The parties agree that the State and Federal courts of South Carolina shall be the
exclusive forums for any dispute arising out of this Agreement and the parties hereby
consent to the personal jurisdiction of such courts.