Terms & Conditions

Trademark, Copyrights, and Restrictions

This site is controlled and operated by PYMNTS.com or its representatives. All material on the Site, including, but not limited to, images, illustrations, audio clips and video clips, is protected by copyrights, trademarks, registered and unregistered, and other intellectual property rights which are owned and controlled by PYMNTS.com or by other parties that have licensed their material to PYMNTS.com. Material from any web site owned, operated, licensed, or controlled by PYMNTS.com may not be copied, reproduced, republished, modified, uploaded, posted, transmitted, or distributed in any way, including by email or other electronic means unless otherwise agreed to in writing by PYMNTS.com. The materials on the Site may not be used for commercial benefit without prior expressed written permission by PYMNTS.com.

PYMNTS.com authorizes you to view and access a single copy of the content available on or from the Site solely for your personal use, and any modification of the materials on the Site or use of the materials for any other purpose is a violation of the copyrights and other proprietary rights. Except as expressly allowed by these Terms of Use and/or some other written agreement between you and PYMNTS.com, the use of any such material on any other website or networked computer environment is prohibited. The Site may contain other proprietary notices, trademark and/or copyright information, the terms of which must be observed and followed. Information on the Site may be changed or updated without notice.

In addition, decompiling, reverse engineering, disassembling, or otherwise reducing the code used in any software on the Site into a readable form in order to examine the construction of such software and/or to copy or create other products based (in whole or in part) on such software, is prohibited. You shall not engage in “spidering,” “screen scraping,” “database scraping,” harvesting of user information, or any other automatic means of accessing, logging-in or registering on this website, or obtaining or accessing any information from or through the Site. You shall not use the Site in any manner with the intent to interrupt, damage, disable, overburden or impair the Site, or interfere with any other party’s use and enjoyment of the Site, including, without limitation, sending mass unsolicited messages or “flooding” servers with requests. You shall not obtain or attempt to obtain any materials or information through any means not intentionally made publicly available or provided for through the Site.

You may not use the Site in order to transmit, post, distribute, store or destroy material, including without limitation, content from the Site, (a) in violation of any applicable law or regulation, (b) in a manner that will infringe the copyright, trademark, trade secret or other intellectual property rights of PYMNTS.com or any other third party, or violate the privacy, publicity or other personal rights of others, or (c) that is defamatory, obscene, threatening, abusive or hateful.

Contacting this Website

If you have any questions about this privacy statement, the practices of this site, or your experience with this site, you can contact: Webmaster@pymnts.com.

This Website may contain links to other sites. We are not responsible for the privacy practices or the content of such Websites.

Changes to this policy

An announcement of any changes to this policy will be posted prominently on the first page of our Website for 30 days before any changes go into effect.

Opting Out

If at any time, a User decides to end their relationship with PYMNTS.com they may e-mail: Webmaster@pymnts.com to be removed from the database.

Effective Date

The effective date of this policy was October 19, 2009.