Privacy Policy

Privacy Policy

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS WEBSITE.

TERMS OF USE, DISCLAIMER AND PRIVACY POLICY AGREEMENT

PLEASE READ THIS ENTIRE AGREEMENT CAREFULLY BEFORE ACCESSING OR USING THE SERVICE: IT IS A BINDING AGREEMENT BETWEEN YOU AND VANTAGE ECONOMICS, L.L.C. ('Vantage Economics'). BY ACCESSING OR USING ANY PART OF THE SERVICE, YOU EXPRESSLY AGREE TO AND CONSENT TO BE BOUND BY ALL OF THE TERMS OF THIS AGREEMENT. IF YOU DO NOT AGREE TO ALL OF THE TERMS OF THIS AGREEMENT, DO NOT ACCESS OR USE ANY PART OF THE SERVICE.

You must be at least 13 years of age to use the Sites. If you are not at least 13 years old, you may not access or use the Sites.

This Agreement is made between Vantage Economics and you, the user and/or member of one or more of the Sites ("you"). We reserve the right at any time to:

• Change the terms and conditions of this Agreement;
• Change the Sites, including eliminating or discontinuing any content on or feature of any of the Sites; or
• Change any fees or charges for use of the Sites.

You agree to comply with all applicable U.S. (federal, state and local) and non-U.S. laws, rules, and regulations in your access and use of the Sites.

Vantage Economics is an economic consulting group specializing in quantitative analysis, modeling, and forecasting for public and private groups.  Vantage Economics provides several services on its web site (“site”), including, but without limitation to, Vantage Times, and the distribution, including by email to registered users of the site requesting such reports, of economic overview reports.

Vantage Economics will retain a copy of the User Agreement and Privacy Policy to which you agreed via e-mail at the time of your registration.  If you would like a copy of either document e-mailed or sent to you at a later date, please contact:

Vantage Economics
8000 Kettle Creek Drive
Catlett, VA  20119
Phone: 540-788-1131
Email: jstewart@vantageeconomics.com

If you choose to contact Vantage Economics via e-mail regarding these Terms of Use or the Privacy Policy, respectively, please mark the subject heading of your e-mail “Terms of Use Inquiry” or “Privacy Inquiry”.

Ownership

The Service is proprietary to Vantage Economics and is protected by intellectual property laws and international intellectual property treaties. Under the terms and conditions of this Agreement, Vantage Economics grants you a nonexclusive, nontransferable, nonsublicensable right to access and use the Service. All of the content featured or displayed on the site, including, but not limited to, text, graphics, photographs, images, moving images, sound, illustrations and software ('Content'), is owned by Vantage Economics, its licensors or its content providers. All elements of the site, including, but not limited to, the general design and the Content, are protected by trade dress, copyright, trademarks, moral rights, and/or other laws relating to intellectual property rights. No portion or element of the site or its Content may be copied, displayed, distributed, published, or retransmitted via any means without the written permission of Vantate Economics. The site, its Content and all related rights shall remain the exclusive property of Vantage Economics, its licensors, or its content providers unless otherwise expressly agreed. No user may remove, alter or cover any copyright or other proprietary notices placed on this site.

Indemnification

You agree to indemnify, hold harmless and defend Vantage Economics, its shareholders, directors, officers, employees and agents from and against any action, cause, claim, damage, debt, demand or liability, including reasonable costs and attorney's fees, asserted by any person, arising out of or relating to: (a) this Agreement; (b) your use of the Content and related rights; and (b) your use of the Service, including any data or work transmitted or received by you.

Privacy Policy

Vantage Economics believes strongly in preserving Web user privacy. Below is the policy that Vantage Economics follows on privacy:

Information Collected

Vantage Economics collects and stores information from this site (or from any other contact you have with Vantage Economics) that is collected through cookies, log files, clear gifs, and/or third parties to create profiles and databases of our users. If you purchase a copy of a publication, you will be added to our database of purchasers; if you request that we email publications to you, you will be added to our database of users; and if you submit a question to us, you will be added to a database of persons submitting questions (together, this information is 'Registration Data'). We also track the number of visitors accessing the Web Site. In addition, Vantage Economics may be able to detect certain information about your server or your computer by virtue of your visit to this site, such as your make and model of Web browser and your operating system. Vantage Eonomics does so only to facilitate your use of this site and not for any other purpose.

Cookies

A cookie is a piece of data stored on the user's computer which identifies that computer during current and subsequent visits to a web site. We use both session ID cookies and persistent cookies. For the session ID cookie, once users close the browser, the cookie simply terminates. A persistent cookie is a small text file stored on the user's computer for an extended period of time. Persistent cookies can be removed by following your Internet browser's help file directions. Internet Explorer users can use the following link for additional information on managing cookies:

http://www.microsoft.com/windows/ie/using/howto/privacy/config.asp Cookies are used to automate the login process and store user site preferences. If a user rejects certain cookies, their ability to use the Web sites will be significantly degraded and the Web sites may not function at all. Persistent cookies enable us to track and target the interests of our users to enhance their experience of our site. Personally identifiable information is stored and encrypted within either session or persistent cookies. We do link the information we store in cookies to personally identifiable information you submit while using our site.

Changes to your registration data

Should your Registration Data ever change, please notify us by email at jstewart@vantageeconomics.com or by sending a written request to our address, provided below.

Distribution Policy

If we send an email message to you providing Vantage Times or regarding an opportunity to purchase the next edition of Vantage Times or another Publication, we send that email only to the address that you provide to us, and do not copy your email to anyone else.

Registration

In order to use some portions the site, or to order/subscribe to the Vantage Times, a user must first complete the registration form and provide registration data (“Registration Data”). During registration a user is required to give contact information (name, organization, email address, postal code, position title, country, postal code, and age). We also may ask for organization address, organization phone number, type of organization, size of organization (sales and number of employees), gender, marital status, income, presence of children, home address, and home phone number (although the user is not required to give any of this information). Vantage Economics uses this information to tailor any contact Vantage Economics makes with the user about services on the Web sites for which he/she has expressed interest.

Use of Registration Data

Vantage Economics will use your Registration Data only to provide Economic Reports to you, if requested, or to contact you about an opportunity to purchase an upcoming issue of Vantage Times or other Publication or about certain services provided by Vantage Economics. You can opt out of receiving Economic Reports or these reminders, and in that case, we will not contact you even for these purposes. Of course, if you do opt out, you will not be advised of when the next edition of Vantage Times is published.

Orders/subscriptions

For some products and services we may also ask for your credit card information and billing address. This information is used to process and fulfill product orders and/or subscriptions and to provide support. If we have trouble processing an order, the information is used to contact the user.

Opting Out

You may opt out of our registration database by sending an email to Vantage Economics at jstewart@vantageeconomics.com or by sending a written request to opt out to our address, provided below. Once we have finished processing your opt-out, we will delete your information from our registration database and not contact you again for any purpose unless you request that we do so. After you send an opt-out request, you may still receive messages that were in the queue to be sent when we received your opt-out request.

Liability for Acts of Third Parties

Vantage Economics will use all reasonable efforts to safeguard the confidentiality of the Registration Data. Nonetheless, transmissions made by means of the Internet cannot be made absolutely secure by us, since we do not control the Internet. We disclaim any liability for disclosure of Registration Data due to errors in transmission by third parties or unauthorized acts of third parties.

Changes in Privacy Policy

Vantage Economics reserves the right to change this Privacy Policy in the future. Any changes will be effective upon the posting of a revised privacy policy on this site.

Copyrights, Trademarks and Limitations on Use

The information available through the Sites is the property of, and copyrighted in the name of, Moody's Economy. com, Inc. and/or its licensors and is protected by copyright and other intellectual property laws. Information received through the Sites may be displayed, reformatted and printed for your personal, internal use only. You may not reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the information received through the Sites to anyone, including but not limited to others in the same company or organization, without our express prior written consent.

The trademarks and service marks ("Marks") used on the Sites are owned or used under license by us. You may not use any Mark without our prior written permission.

The Sites include facts, views, opinions and recommendations of individuals and organizations deemed of interest. We do not guarantee the accuracy, completeness or timeliness of, or otherwise endorse, these views, opinions or recommendations.

You use the Internet solely at your own risk and subject to all applicable local, state, national, and international laws and regulations. While we have endeavored to create secure and reliable Sites, please be advised that the confidentiality of any communication or material transmitted to/from the Sites over the Internet cannot be guaranteed. Accordingly, we and our licensors and suppliers are not responsible for the security of any information transmitted via the Internet, the accuracy of the information contained on the Sites, or for the consequences of any reliance on such information. We and our licensors and suppliers shall have no liability for interruptions or omissions in Internet, network or hosting services. You assume the sole and complete risk of using the Sites.

Actual or attempted unauthorized use of the Sites may result in criminal and/or civil prosecution. For your protection, we reserve the right to view, monitor, and record activity on the Sites without notice or further permission from you. Any information obtained by monitoring, reviewing, or recording is subject to review by law enforcement organizations in connection with the investigation or prosecution of possible criminal activity on the Sites. We will also comply with all court orders involving requests for such information.

You expressly absolve and release us and our licensors and suppliers from any claim of harm resulting from a cause beyond our or their control, including, but not limited to, the failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes or other labor problems, wars, terrorism or governmental restrictions.

Investment Advice

The Sites do not give investment advice, or advocate the purchase or sale of any security or investment. Any investment information provided on the Sites is for general informational purposes only.

Disclaimer of Warranties and Limitation of Liability

We have obtained all Data and information which is furnished to you under these Terms of Use from sources believed by us to be reliable. Because of the possibility of human and mechanical error as well as other factors, however, all Data and other information and materials provided to you hereunder (collectively, “Information”) is provided "AS IS” without warranty of any kind, and WE (AND OUR LICENSORS AND SUPPLIERS), IN PARTICULAR, MAKE NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, TO YOU OR ANY OTHER PERSON OR ENTITY AS TO THE ACCURACY, TIMELINESS, COMPLETENESS, MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE OF ANY SUCH INFORMATION.  Vantage Economics shall not be liable to you or any other person in any manner for any errors or deficiencies contained in the Information, or any other circumstance or contingency within or outside our control or any of our directors, officers, employees or agents, or licensors, in connection with the procurement, collection, compilation, analysis, interpretation, communication, publication or delivery of any Information. You agree and acknowledge that no oral or written information or advice given by Vantage Economics shall constitute a representation or a warranty unless such information or advice is incorporated in a written agreement signed by both parties. Vantage Economics make no representation that materials in the site are appropriate or available for use in any particular locations, and access to them from territories where any of the contents of the site are illegal is prohibited.  If you choose to access the site from such locations, you do so on your own volition and are responsible for compliance with any applicable local laws.  You expressly agree that the foregoing limitation of remedies and liabilities is an essential part of these Terms of Use and accept the foregoing limited warranty and exclusions and assume all risks relating to your use of the Information.

VANTAGE ECONOMICS SHALL NOT BE LIABLE TO YOU FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES (INCLUDING BUT NOT LIMITED TO LOSS OF BUSINESS, REVENUE, PROFITS, USE, DATA OR OTHER ECONOMIC ADVANTAGE), HOWEVER IT ARISES, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, TORT OR OTHER ACTION, ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, EVEN IF ADVISED OF THE POSSIBILITY THEREOF. In no event shall Vantage Economics’ aggregate liability arising from these Terms of Use, regardless of the cause of the loss or injury and regardless of the legal right claimed to have been violated, exceed the greater of (a) the aggregate fees and charges paid by you to us during the twelve month period immediately preceding the date on which the relevant claim accrued, or (b) U.S. $100. You acknowledge and agree that the foregoing limitations of liability are an essential part of these Terms of Use.

Vantage Economics shall have the right, at any time and without notice, to add to or modify the terms of this Agreement, simply by posting such amended terms on this Web Site. Your access or use of the Service after the date such amended terms are posted shall be deemed to constitute acceptance of such amended terms.

Violation of Terms of Use and Termination

Vantage Economics reserves the right to seek any and all remedies available to us to address violations of these Terms of Use without advance notice to you, including without limitation, blocking or limiting access to the Sites. We also reserve the right to seek all remedies available at law and in equity for violations of these Terms of Use.   This Agreement is effective upon your acceptance as set forth herein and shall continue in full force until terminated. Vantage Economics reserves the right, in its sole discretion and without notice, at any time and for any reason, to: (a) remove or disable access to all or any portion of the Service; (b) suspend your access to or use of all or any portion of the Service; and (c) terminate this Agreement.

This Agreement contains the entire agreement between the user and Vantage Economics regarding the Service, and replaces all prior or contemporaneous representations, understandings or agreements. In the event that any term on this Web page conflicts with any statement made on any other page of the site, the term on this page controls. This Agreement may be modified only by Vantage Economics by the means described above, or by a writing signed by both a user and an authorized official of Vantage Economics. No failure, delay in exercising or enforcing any right or remedy hereunder by Vantage Economics shall constitute a waiver of any other right or remedy, or future exercise thereof. If any provision of this Agreement is determined to be invalid under any applicable statute or rule of law, it is to that extent to be deemed omitted, and the balance of the Agreement shall remain enforceable. Unless otherwise explicitly stated, the provisions contained herein will survive termination of the user's access to and use of the Service. This Agreement shall be governed by the laws of the Commonwealth of Virginia, without regard to conflict of laws rules. You agree that you hereby waive your right to a jury in any such trial.