Dream Number, LLC, its subsidiaries and affiliates (collectively "Dream Number"), provides various services at its websites, www.dreamnumber.io and the related domains and subdomains (the "Site"). You can use the Site to use Dream Number’s online educational content, calculators, services, and self-help tools ("Online Activities").
When you access the Site, you're agreeing to these terms and conditions of use, plus any additional terms or conditions within the Site itself (collectively "Terms"). The Terms shall govern all of your uses of the Online Activities and the Site at all times. The Terms are in addition to any other agreements between you and Dream Number.
Dream Number reserves the right to amend, modify, or change the Terms at any time without prior notice to you. Such modification or change shall be effective upon posting by Dream Number on the Site. You agree to be bound to any changes to these Terms when you use the Site after any such change is posted.
DISCLAIMER OF WARRANTIES
ALL INFORMATION AND OTHER MATERIALS PRESENT ON THE SITE ("CONTENT"), INCLUDING, WITHOUT LIMITATION, PRODUCTS AND SERVICES ARE PROVIDED "AS IS," WITHOUT ANY WARRANTIES ABOUT THE CONTENT'S NATURE OR ACCURACY (EITHER WHEN POSTED OR AS A RESULT OF THE PASSAGE OF TIME) AND WITHOUT ANY REPRESENTATIONS OR GUARANTEES.
WITHOUT LIMITING THE ABOVE, DREAM NUMBER DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY WITH REGARD TO ANY WEB SITE OWNED BY A THIRD PARTY TO WHICH OR FROM WHICH THE SITE IS LINKED ("LINKED WEB SITE"). DREAM NUMBER DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR THE CAPABILITIES OR RELIABILITY OF ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED WEB SITE.
THE INFORMATION, PRODUCTS, SOFTWARE OR SERVICE DESCRIPTIONS PUBLISHED ON THE SITE OR A LINKED WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. DREAM NUMBER DISCLAIMS LIABILITY FOR SUCH ERRORS AND DOES NOT WARRANT OR REPRESENT THAT THE CONTENT ON THE SITE OR A LINKED WEB SITE IS UPDATED OR COMPLETE. DREAM NUMBER HAS NO OBLIGATION TO UPDATE ANY CONTENT ON THE SITE AND MAY CHANGE OR IMPROVE THE SITE AT ANY TIME WITHOUT NOTICE.
Dream Number does not endorse and is not responsible for the accuracy or reliability of any opinion, advice or statement made through the Site by any party other than Dream Number.
Dream Number makes no representations, warranties or guarantees that the Site will be accessible continuously and without interruption, or error free.
LIMITATION OF LIABILITIES
Dream Number's Liabilities
IN NO EVENT WILL DREAM NUMBER ITS RESPECTIVE SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS AND DIRECTORS BE LIABLE TO YOU FOR ANY PUNITIVE, INDIRECT, DIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, INCLUDING ANY LOST PROFITS, COSTS OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY, EVEN IF YOU HAVE NOTIFIED DREAM NUMBER ABOUT THE POSSIBILITY OF SUCH DAMAGES, OR FOR ANY CLAIMS BY ANY THIRD PARTIES ARISING OUT OF OR IN ANY WAY RELATED TO THE ACCESS, USE OR CONTENT OF THE SITE OR A LINKED WEB SITE WHETHER SUCH CLAIMS ARE BROUGHT UNDER ANY THEORY OF LAW OR EQUITY.
THIS LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, TRANSMISSION OF VIRUSES THAT INFECTS A USER'S EQUIPMENT, MECHANIC OR ELECTRONIC EQUIPMENT FAILURE, FAILURE OF COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECTS, UNAUTHORIZED ACCESS, THEFT, OPERATIONAL ERRORS, STRIKES OR OTHER LABOR PROBLEMS, OR ANY FORCE MAJEURE.
Dream Number has the right to deny you access and use of the Site and its Content if you violate (as Dream Number may determine in its sole and absolute discretion) any provision of the Terms. Dream Number reserves the right to seek all other remedies available at law and in equity. You agree, at your own expense, to defend, indemnify and hold Dream Number harmless from any claim or demand, including reasonable attorneys' fees, made by a third party in connection with or arising out of your access to, or use of, the Site or any of its Content in a manner other than as expressly authorized by the Terms, your breach of the Terms or your violation of applicable laws or any rights of any third party.
YOUR PRIVACY AND SECURITY ON THE SITE
Your Personal Information
You are responsible for telling Dream Number if you've changed your personal information, such as your name, telephone number, mailing address, e-mail address, or other personal information. You may update your personal information by contacting Dream Number using the information on the Site.
Spamming and Solicitation
You may not use any information obtained from the site for spamming or solicitation, or in any other manner that is prohibited by applicable law.
Notice of Applicability to Children
The site is not intended for children ages 13 and younger.
For some Online Activities, Dream Number permits "Online Access," which includes the ability to use a personal computer or other access device equipped with an active connection to an Internet Service Provider to access your Dream Number accounts, policies, or other products, and to perform certain actions or use certain Online Activities available on the Site. You may register for Online Access via the Site.
In order to conduct some Online Activities, you agree to receive information applicable to your use of the Online Activities delivered to you electronically. These may include notifications or other information that you request, transaction receipts, or any other documents ("Communications").
As part of the Online Activities, you may be given the option to sign certain Communications electronically by either checking the appropriate box or engaging in a similar online process as instructed online. You agree that by checking the appropriate box within or adjacent to the applicable Communication or engaging in a similar online electronic signature process, you are providing your electronic signature and agree to be bound by the terms and conditions in such Communication just as if you had signed your name to a paper document.
INTELLECTUAL PROPERTY, TRADEMARKS, AND COPYRIGHTS
Intellectual property is protected by copyrights, trademarks, service marks, international treaties or other proprietary rights and laws of the United States and other applicable countries. You agree to abide by all applicable proprietary rights and laws as well as any additional trademark or copyright notices or restrictions contained in the Terms. The Terms grant you no right, title or interest in Dream Number's intellectual property and create no relationship between you and Dream Number.
The trademarks, service marks, slogans, logos, trade dress and other identifiers ("Marks") displayed on the Site are the property of Dream Number, unless otherwise disclosed. You are prohibited from using any Marks for any purpose including, but not limited to, use on other materials, in presentations, as domain names, or as metatags, without the written permission of Dream Number.
© 2013 Dream Number, LLC. All rights reserved.
You are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works, or using any Content available on or through the Site for commercial or public purposes, without the prior written permission of Dream Number.
Designated Agent (Digital Millennium Copyright Act)
If you think that a work protected by a United States copyright has been linked to, posted or stored on the Site without authorization, please contact the following agent designated to receive notification of claimed copyright infringement: [INPUT DMCA CONTACT].
License and Reproduction
Original materials of Dream Number posted on the Site are protected by intellectual property laws. You are granted a nonexclusive, nontransferable, limited and revocable right to access, use, display and navigate the Site solely for your personal, non-public use. You are also granted a limited and revocable license to print copies of the Content, but solely for your personal, non-public use. Except as expressly provided above, all rights are reserved. Any commercial or public use of the Site or any of its Content is strictly prohibited without written permission from Dream Number.
Except as expressly provided above, no portion of the Site, its Contents or any copyright, trademark, trade name, service mark or any other proprietary information of Dream Number (collectively, the "Intellectual Property") displayed on the Site or on any of the Content may be reproduced, altered, removed, transmitted, published or distributed, whether electronically, mechanically, by photocopy, recording or otherwise, without the prior written permission of the Dream Number. Use of any Dream Number trademarks as metatags on any third-party Web site is strictly prohibited. You may not Co-Brand the Site or display the Site in frames (or any of the Content via in-line links) without prior written permission from Dream Number. "Co-brand" means your display of any of the Intellectual Property, or your taking of other means of attribution or identification of Dream Number in such a manner reasonably likely to give a third party the impression that you or such third party has the right to display, publish or distribute the Site or any of its Content. You agree to cooperate with Dream Number in causing any unauthorized co-branding, framing or linking to immediately cease.
From time to time, Dream Number may authorize Linked Web Sites to or from the Site. Linked Web Sites are controlled and operated by third parties and not by Dream Number. Dream Number makes no representations and disclaims all liability as to the content or material available at those locations, the accuracy of information, and the quality of products or services provided or advertised on Linked Web Sites. The fact that Dream Number authorizes Linked Web Sites is not an endorsement, authorization, express or implied sponsorship, or affiliation with respect to Linked Web Sites, its owners, sponsors, or providers. Notwithstanding the foregoing, Dream Number may receive affiliate fees or other payments for referring Users to Linked Web Sites, either on a pay-per-click or commission basis. Dream Number does not endorse, support, or recommend any particular service offered on any Linked Web Sites for use by User, and provides hyperlinks to such Linked Web Sites for the convenience and information of Users.
Information about the Operation of the Site
Dream Number operates the Site from its offices within the United States. Dream Number does not represent that Content on the Site is appropriate or applicable for use in any other country, and access from certain countries other than the United States may be strictly prohibited. You acknowledge and agree that you are accessing the Site on your own initiative, at your own risk, and are responsible for compliance with all local laws. These Terms shall be governed by and construed in accordance with the laws of the United States and the State of Iowa. You consent to exclusive jurisdiction and venue in Polk County, Iowa, and waive the defense of forum non conveniens.
Submissions of Unsolicited Ideas
Dream Number values your feedback; however, we ask that you not submit to us any suggestions, materials, ideas or creative concepts for new, modified or different products or services via the Site. Dream Number requests this in order to avoid confusion in the future regarding the origin of the concept, product or service.
If, despite our request that you not send us any creative materials, you still send us creative suggestions, ideas, concepts or other information (collectively, the "Information"), such Information shall be deemed by Dream Number to be, and shall remain, the property of Dream Number. None of the Information shall be subject to any obligation of confidence on the part of Dream Number and Dream Number shall not be liable for any use or disclosure of any Information. Without limiting the foregoing, Dream Number shall exclusively own all rights to the Information of every kind and nature and shall be entitled to unrestricted use of the Information for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Information.
All communications initiated by you (also defined herein as a "Visitor") and made to or through portions of the Site that permit uploading of questions, comments or other material are hereby considered "Visitor Submissions".
Dream Number reserves the right to moderate or remove any Visitor Submissions in its sole and absolute discretion, but does not have an affirmative obligation to moderate such Visitor Submissions. Visitor Submissions will not be accepted that infringe in any manner on the copyright, trademark or other intellectual property rights of any person or entity, or that contain privileged, confidential, proprietary or trade-secret information of any individual or entity, or that may violate the legal rights of any person or entity in any jurisdiction or locale. You may not submit materials that are or purport to be the personally identifiable information about others, such as full name, postal address, email address, telephone number or any other personal attribute which would constitute harassment or an invasion of privacy.
Visitor Submissions become the property of Dream Number and you grant Dream Number a non-exclusive, royalty-free, perpetual, irrevocable, fully transferable, sub-licensable and assignable right to use, edit, modify, adapt, translate, edit, and reformat Visitor Submissions as necessary and for any purpose, anywhere in the world, including into those forms that may constitute advertising. If you submit a Visitor Submission, you are also hereby granting to Dream Number the non-exclusive right to seek enjoinment and possible damages from any third party who otherwise uses Visitor Submissions in an unauthorized way or through unauthorized reproduction of any Visitor Submission.
Visitor Submissions used, displayed or propagated by Dream Number or others licensed by Dream Number to use Visitor Submissions may be attributed to you. Dream Number reserves the right to select among the Visitor Submissions for the most appropriate material to be used, subject to Dream Number's sole discretion and judgment. Dream Number otherwise reserves the right to remove Visitor Submissions from the Site pursuant in its discretion and judgment, but maintains no obligation to do so.
NO OFFER OF SALE
Information made available by Dream Number or otherwise on the Site is not a solicitation, offer, recommendation, invitation or inducement to buy or sell any investment or to enter into or conclude any transaction.
Except to the extent otherwise set forth in the Terms, these Terms set forth the entire understanding between Dream Number and you with respect to your access to, and use of, the Site and its Content and supersedes all prior or contemporaneous understandings regarding access and use.
If any portion of these Terms is found to be unenforceable, the remaining sections of the Terms will remain in effect.
Failure by Dream Number, in any instance, to exercise any of its rights under the Terms will not constitute waiver of such right or any other rights under the Terms.
No Investment Advice
The commentary and information provided on the Dream Number website or otherwise provided as part of your Online Access is general information and should not be considered investment advice regarding any specific security, financial sector, or financial information. No client relationship is created between you and Dream Number.