termsofservice

Terms and Conditions

Agreement between user and http://paysoncooper.com
Welcome to http://paysoncooper.com. The http://paysoncooper.com website (the “Site”) is comprised of various web pages operated by Payson & Co.,

LLC http://paysoncooper.com is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained

herein (the “Terms”). Your use of http://paysoncooper.com constitutes your agreement to all such Terms. Please read these terms carefully, and

keep a copy of them for your reference.

http://paysoncooper.com is a Blog Site
marketing education

Privacy
Your use of http://paysoncooper.com is subject to Payson & Co., LLC’s Privacy Policy. Please review our Privacy Policy, which also governs the

Site and informs users of our data collection practices.

Electronic Communications
Visiting http://paysoncooper.com or sending emails to Payson & Co., LLC constitutes electronic communications. You consent to receive electronic

communications and you agree that all agreements, notices, disclosures and other communications that we provide to you electronically, via email

and on the Site, satisfy any legal requirement that such communications be in writing.

Payson & Co., LLC does not knowingly collect, either online or offline, personal information from persons under the age of thirteen. If you are

under 18, you may use http://paysoncooper.com only with permission of a parent or guardian.

Cancellation/Refund Policy
30 days, no questions asked

Links to third party sites/Third party services
http://paysoncooper.com may contain links to other websites (“Linked Sites”). The Linked Sites are not under the control of Payson & Co., LLC and

Payson & Co., LLC is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any

changes or updates to a Linked Site. Payson & Co., LLC is providing these links to you only as a convenience, and the inclusion of any link does

not imply endorsement by Payson & Co., LLC of the site or any association with its operators.

Certain services made available via http://paysoncooper.com are delivered by third party sites and organizations. By using any product, service or

functionality originating from the http://paysoncooper.com domain, you hereby acknowledge and consent that Payson & Co., LLC may share such

information and data with any third party with whom Payson & Co., LLC has a contractual relationship to provide the requested product, service or

functionality on behalf of http://paysoncooper.com users and customers.

No unlawful or prohibited use/Intellectual Property
You are granted a non-exclusive, non-transferable, revocable license to access and use http://paysoncooper.com strictly in accordance with these

terms of use. As a condition of your use of the Site, you warrant to Payson & Co., LLC that you will not use the Site for any purpose that is

unlawful or prohibited by these Terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or

interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any

means not intentionally made available or provided for through the Site.

All content included as part of the Service, such as text, graphics, logos, images, as well as the compilation thereof, and any software used on

the Site, is the property of Payson & Co., LLC or its suppliers and protected by copyright and other laws that protect intellectual property and

proprietary rights. You agree to observe and abide by all copyright and other proprietary notices, legends or other restrictions contained in any

such content and will not make any changes thereto.

You will not modify, publish, transmit, reverse engineer, participate in the transfer or sale, create derivative works, or in any way exploit any

of the content, in whole or in part, found on the Site. Payson & Co., LLC content is not for resale. Your use of the Site does not entitle you to

make any unauthorized use of any protected content, and in particular you will not delete or alter any proprietary rights or attribution notices

in any content. You will use protected content solely for your personal use, and will make no other use of the content without the express written

permission of Payson & Co., LLC and the copyright owner. You agree that you do not acquire any ownership rights in any protected content. We do

not grant you any licenses, express or implied, to the intellectual property of Payson & Co., LLC or our licensors except as expressly authorized

by these Terms.

Use of communication services
The Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or

communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”),

you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular

Communication Service.

By way of example, and not as a limitation, you agree that when using a Communication Service, you will not: defame, abuse, harass, stalk,

threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others; publish, post, upload, distribute or

disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information; upload files

that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control

the rights thereto or have received all necessary consents; upload files that contain viruses, corrupted files, or any other similar software or

programs that may damage the operation of another’s computer; advertise or offer to sell or buy any goods or services for any business purpose,

unless such Communication Service specifically allows such messages; conduct or forward surveys, contests, pyramid schemes or chain letters;

download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in

such manner; falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or

source of software or other material contained in a file that is uploaded, restrict or inhibit any other user from using and enjoying the

Communication Services; violate any code of conduct or other guidelines which may be applicable for any particular Communication Service; harvest

or otherwise collect information about others, including e-mail addresses, without their consent; violate any applicable laws or regulations.

Payson & Co., LLC has no obligation to monitor the Communication Services. However, Payson & Co., LLC reserves the right to review materials

posted to a Communication Service and to remove any materials in its sole discretion. Payson & Co., LLC reserves the right to terminate your

access to any or all of the Communication Services at any time without notice for any reason whatsoever.

Payson & Co., LLC reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal

process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Payson & Co., LLC’s

sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Payson &

Co., LLC does not control or endorse the content, messages or information found in any Communication Service and, therefore, Payson & Co., LLC

specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any

Communication Service. Managers and hosts are not authorized Payson & Co., LLC spokespersons, and their views do not necessarily reflect those of

Payson & Co., LLC.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are

responsible for adhering to such limitations if you upload the materials.

Materials provided to http://paysoncooper.com or posted on any Payson & Co., LLC web page
Payson & Co., LLC does not claim ownership of the materials you provide to http://paysoncooper.com (including feedback and suggestions) or post,

upload, input or submit to any Payson & Co., LLC Site or our associated services (collectively “Submissions”). However, by posting, uploading,

inputting, providing or submitting your Submission you are granting Payson & Co., LLC, our affiliated companies and necessary sublicensees

permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to:

copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name

in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. Payson & Co., LLC is under no obligation to post or

use any Submission you may provide and may remove any Submission at any time in Payson & Co., LLC’s sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the

rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload,

input or submit the Submissions.

Third Party Accounts
You will be able to connect your Payson & Co., LLC account to third party accounts. By connecting your Payson & Co., LLC account to your third

party account, you acknowledge and agree that you are consenting to the continuous release of information about you to others (in accordance with

your privacy settings on those third party sites). If you do not want information about you to be shared in this manner, do not use this feature.

International Users
The Service is controlled, operated and administered by Payson & Co., LLC from our offices within the USA. If you access the Service from a

location outside the USA, you are responsible for compliance with all local laws. You agree that you will not use the Payson & Co., LLC Content

accessed through http://paysoncooper.com in any country or in any manner prohibited by any applicable laws, restrictions or regulations.

Indemnification
You agree to indemnify, defend and hold harmless Payson & Co., LLC, its officers, directors, employees, agents and third parties, for any losses,

costs, liabilities and expenses (including reasonable attorneys’ fees) relating to or arising out of your use of or inability to use the Site or

services, any user postings made by you, your violation of any terms of this Agreement or your violation of any rights of a third party, or your

violation of any applicable laws, rules or regulations. Payson & Co., LLC reserves the right, at its own cost, to assume the exclusive defense and

control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with Payson & Co., LLC in asserting any

available defenses.

Liability disclaimer
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS.

CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. PAYSON & CO., LLC AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE SITE

AT ANY TIME.

PAYSON & CO., LLC AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE

INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY

APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY

KIND. PAYSON & CO., LLC AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS,

SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND

NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PAYSON & CO., LLC AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT,

PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR

PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE SITE, WITH THE DELAY OR INABILITY TO USE THE SITE OR RELATED

SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED

THROUGH THE SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE,

EVEN IF PAYSON & CO., LLC OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW

THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE

DISSATISFIED WITH ANY PORTION OF THE SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Termination/access restriction
Payson & Co., LLC reserves the right, in its sole discretion, to terminate your access to the Site and the related services or any portion thereof

at any time, without notice. To the maximum extent permitted by law, this agreement is governed by the laws of the State of New York and you

hereby consent to the exclusive jurisdiction and venue of courts in New York in all disputes arising out of or relating to the use of the Site.

Use of the Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including, without limitation,

this section.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and Payson & Co., LLC as a result of this

agreement or use of the Site. Payson & Co., LLC’s performance of this agreement is subject to existing laws and legal process, and nothing

contained in this agreement is in derogation of Payson & Co., LLC’s right to comply with governmental, court and law enforcement requests or

requirements relating to your use of the Site or information provided to or gathered by Payson & Co., LLC with respect to such use. If any part of

this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and

liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision

that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.

Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Payson & Co., LLC with respect to the Site

and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Payson &

Co., LLC with respect to the Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial

or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business

documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all

related documents be written in English.

Changes to Terms
Payson & Co., LLC reserves the right, in its sole discretion, to change the Terms under which http://paysoncooper.com is offered. The most current

version of the Terms will supersede all previous versions. Payson & Co., LLC encourages you to periodically review the Terms to stay informed of

our updates.

Contact Us
Payson & Co., LLC welcomes your questions or comments regarding the Terms:

Payson & Co., LLC
Gracie Station PO Box 1435
New York, New York 10028

Email Address:
info{removethis}@paysoncooper.com

Telephone number:
9177400361

Effective as of July 02, 2014