Terms and Conditions


© 2006 The Wall Street Program LLC. All rights reserved. "The Wall Street Program" is a trademark of The Wall Street Program LLC.

All Training Program materials and Services included in The Wall Street Program, including proprietary financial models, are for individual use and are not to be duplicated, copied, distributed or disseminated without the expressed, written permission of The Wall Street Program LLC. The Training Programs and Services are designed for illustrative purposes only and do not, in any way, constitute an investment recommendation or thesis.

Return Policy

Because of the specific nature of The Wall Street Program Training Programs (PDF Versions), they are non-refundable and non-returnable. At a later time if you decide to also purchase the Paper Version, you can add it your purchase by paying a $20 service fee and the price difference between the Protected PDF and Paper Versions. Unopened and unused Wall Street Program Training Programs (only Paper Version) may be returned within 7 days of shipping date. These returns will be charged a 20% restocking fee. Returns of the Print Version will only include a refund of the price difference between the PDF and Print Versions. Shipping and handling is non-refundable.

Privacy Policy

The Wall Street Program LLC ("The Wall Street Program") takes your privacy seriously. The privacy policy applies to all of our customers and visitors. The Wall Street Program takes strong measures to protect your privacy. First, we only ask you to provide information we need to deliver the service or information you have requested. Second, we do not share the information you have given us without your permission to do so.

We at The Wall Street Program are committed to protecting the privacy of your personal information. We also want to provide you with a more rewarding internet experience by making the advertising and content you see on The Wall Street Program's Services (collectively, the "Services") relevant to you, based on who you are and where your interests lie. Your loyalty as either a visitor or a Member (i.e., an individual who signs up for access to one or more Services) is important, and we hope that our concerns regarding your privacy, as described in this policy (the "Privacy Policy" or "Policy"), demonstrate our commitment to making your The Wall Street Program experience an enjoyable and useful one.

Note that, by using the Services, you signify your agreement to this Privacy Policy. If you do not agree to this Policy, please do not use the Services. Your continued use of the Services subsequent to changes to this Policy will mean that you accept the changes; therefore, please bookmark this page and review it frequently. If you have any questions regarding this Privacy Policy, the Services, or The Wall Street Program, please e-mail us at feedback@wallstreetprogram.com. If we change the way we use your personally identifiable information, we will notify you by e-mail and await your response for 20 days before making the change.

I. The information we gather

Although most parts of the Services do not require you to be a Member (and you can therefore use them without submitting any "personally identifiable information," that is, information that relates to an identified individual), some areas - such as our Message Boards - do. In order to become a Member, individuals are required to provide us with (a) an e-mail address and a unique user name and password, as well as certain personally identifying and other information such as the Member's zip code, country, industry and occupation and (b) before making a purchase, the Member's name, address, phone number, payment information (including credit card information) and other shipping information. Once you complete your registration, you will be given the opportunity to submit additional personally identifying information to create an "online profile" (the "Profile"). In your Profile, we ask for optional contact information, including demographic information (like age, or income level). Your contact information is also used to contact you when necessary. You may opt-out of receiving future mailings; see the choice/opt-out section below. Demographic and profile data are also collected at our site. We use this data to tailor your experience at our site, showing you content that we think you might be interested in and displaying the content according to your preferences. We also use demographic information to target advertisements to users from specific demographics.

The Wall Street Program also collects non-personally identifiable information (that is, information that does not identify a specific individual), such as aggregate use statistics for the Services, for both visitors and Members. We collect such non-personally identifiable information in part through the use of "cookies" - that is, small text files placed on your computer's hard drive. We collect some basic information about your computer and Internet connections, including: (1) your IP address (your computer's unique signature); (2) your operating system (e.g., Windows or Mac); (3) your browser software (e.g., Netscape or Internet Explorer); (4) your Internet Service Provider (e.g., AOL or AT&T); (5) your geographic location (e.g., New York, NY.); and (6) your IP address. Collecting this information helps us streamline your experience of the Services - for example, helping us diagnose problems with our server, administering our Website by "automatically" filling out forms for you or keeping track of the contents of your online shopping cart.

The Wall Street Program's Services include banner advertising that links to third-party sites. Please note that our advertisers and their designees, as well as other third parties, may collect information about you through cookies or other technologies when you visit their Website(s).

II. How we use (and do not use) the information we gather

Please take some time to familiarize yourself with the different ways we use the information we gather. Keep in mind that while The Wall Street Program encourages all third parties involved including, but not limited to, its advertisers to adhere to our policies regarding the privacy of our visitors and Members and to otherwise handle personal information in a responsible manner, we cannot and do not assume any responsibility for any actions or omissions of third parties, including the manner in which they use information received either from The Wall Street Program or independently. Nevertheless, in the event you encounter any third party associated with, or who claims association with The Wall Street Program who you feel is improperly collecting or using information about you, please contact feedback@wallstreetprogram.com

  1. (a) Choice/Opt-Out. The Wall Street Program provides you the opportunity to opt-out of receiving most communications from The Wall Street Program, and/or its affiliates, advertisers, and other business partners at the point where we request information about the visitor. You have the option to remove your information from our database and to not receive future communications or to no longer receive our service. We also give you the option to change or modify the information previously provided. To exercise any of the foregoing options:
    1. You can send e-mail to webmaster@wallstreetprogram.com.
    2. You can send mail to the following postal address: 225 West 83rd Street, Suite 6B, New York, NY 10024.
    3. You can call the following telephone number: 212-362-2637.
    4. Note that, because The Wall Street Program will occasionally need to send you certain e-mail messages that are critical to your use of the Services such as announcements, system status updates or order confirmations, you will not be able to "opt out" of receiving such messages.
  2. How we use (and do not use) non-personally identifiable information. We use non-personally identifiable information in aggregate form to build higher quality, more useful Services by performing statistical analyses of the collective characteristics and behavior of our visitors and Members, and by measuring demographics and interests regarding specific areas of the Services. We may provide statistical information based on this data to advertisers and other current and potential business partners.
  3. How we use (and do not use) personally identifiable information. Please note that The Wall Street Program reserves the right to disclose information submitted by or concerning any visitor or Member as we reasonably feel is necessary to protect our systems or business. Specifically, but without limitation, we reserve the right to disclose such information when a visitor or Member is in violation of our Terms of Use or other published guidelines or partakes (or is reasonably suspected of partaking) in any harmful, infringing or illegal activity, even without a subpoena, warrant, or other court order, and to disclose such information in response to court and governmental orders, civil subpoenas, discovery requests, and as otherwise required by law, as well as in response to allegations of infringement. We cooperate with law enforcement agencies in identifying those who may be using our servers or Services for illegal activities. We also reserve the right to report any suspected illegal activity to law enforcement for investigation or prosecution or to suspend or terminate your membership in connection with any suspected illegal or infringing activity.

Subject to the foregoing, The Wall Street Program uses your personally identifying information in several ways:

  • to customize various aspects of the Services to your preferences;
  • to determine which advertisements or sponsor messages will appear on your screen;
  • to send you The Wall Street Program solicitations, product announcements, and the like that we feel may be of interest to you (you may "opt out" of receiving these materials, as provided below); and
  • as may be necessary to support the operation of the Services, such as for billing, account maintenance, and record-keeping purposes.

The Wall Street Program may disclose your personally-identifiable information to third parties as follows:

  • with your authorization, such as when you click on a "submit order" or similar button when placing an order (your personally identifiable information will be shared with the merchant advertising the good or service you wish to purchase so that such merchant may complete the transaction and ship the items(s) you have purchased); and
  • if you do not "opt out" of receiving promotional materials (as discussed below) to third parties who provide goods or services that we believe may be of interest to you;
  • to our contractors and consultants and professional advisors (such as attorneys or accountants), but only to the extent necessary for them to perform services on our behalf and only under reasonable disclosure restrictions.

If you provide us with your credit card information, we will not release that information to third parties unless necessary to complete a transaction between you and such a third party. (Credit card transactions are handled by a thirdparty financial institution which receives the credit card number and other personal identifying information only to verify the credit card numbers and process transactions.)

III. Where we collect information

The Wall Street Program collects information from users in the following areas of the website:

  1. Membership - In this area, information such as e-mail address, zip code, current industry, and current occupation is requested of users who wish to become The Wall Street Program members. Employers and managers who wish to take advantage of The Wall Street Program's recruiting services such as our free job board are also asked to provide information about their company, such as company size and name.
  2. Newsletter subscription boxes - From various areas of the website, users can submit their e-mail to receive free The Wall Street Program newsletters. No other information is required.
  3. Training Program checkout process - When purchasing Training Programs through The Wall Street Program website, users must provide shipping and billing information (including credit card information).
  4. Member Network profile submission form - Members may opt into our member network by creating a public profile. This form asks for personal information such as educational and professional background. All fields in the form are optional.
  5. The Wall Street Program Resume Submission Service - Members may submit their resume to our Resume Submission Service which recruiters can view.
  6. The Wall Street Program surveys - Users who opt to fill out our surveys are asked for varied information depending on the survey.
  7. Free product information - Users who request to receive information from the vendors listed in our free product information area are asked for contact information that is sent to the vendors, including e-mail and mailing address.
IV. Surveys and Sweepstakes

Occasionally, The Wall Street Program may conduct surveys in order to better deliver advertisements and content and to better understand your needs relating to the Services. We will not share your survey information with any third party, except in aggregate form. In addition, if and when we sponsor sweepstakes or other promotions or third parties sponsor such promotions in conjunction with us, either we or the third party will post relevant privacy information in the official rules and/or registration area for the sweepstakes or promotion. That privacy information, to the extent it conflicts with this Policy, will govern that particular promotion or sweepstakes - please remember to read it carefully. These surveys and sweepstakes are always optional.

V. Public Message Boards

The Wall Street Program makes message boards available to its users. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information.

If you choose to join The Wall Street Program's Message Boards and post messages under your public Wall Street Program username, your Member Network profile will be accessible to Wall Street Program members. Joining The Wall Street Program Message Boards community is optional. To maintain the stated standards of its community (read the rules of our message boards), The Wall Street Program reserves the right to monitor and read all messages posted on the boards.

VI. Age

The Wall Street Program's website does not target children under the age of 13. In the event that we discover that personally identifiable information has been collected from a child under age 13, we will delete that information.

VII. Changing or deleting personal information

You may view and, if you wish, change certain personally identifiable information by logging in to the Services with your username and password on The Wall Street Program's Members Home Page. For security reasons, you will not be able to see your credit card number (if you have supplied one) or your password. You may also view and, if you wish, change information you submitted as part of your Profile (if any) on the Members Home Page.

VIII. Communication with users

The Wall Street Program communicates with its users primarily through e-mail and for a variety of purposes. These communications include:

Opt-in subscription services. These include e-mailed newsletters, e-mailed job postings and other notifications of personalized content, including:

  • E-mailed confirmations upon successful registration as members.
  • E-mailed confirmations about orders users have placed on our website.
  • Occasional e-mails to be informed of changes and new features at The Wall Street Program
  • Invitations to complete registration if a user began registration for a service but did not complete it.
IX. Contacting the Website.

If you have any questions about this privacy statement, the practices of this website or your dealings with this Website, Contact: webmaster@wallstreetprogram.com.


Read these terms of use carefully before using this site.

The Wall Street Program LLC (“The Wall Street Program,” “Wall Street Program,” “we,” “us”) provides this website and all website related services (collectively, the “Website”) subject to your compliance with the terms and conditions set forth in this agreement (the “Agreement”). By using the Website, you agree to be bound by these terms and conditions. If you do not agree to these terms and conditions, please do not use the Website.

This agreement is made between The Wall Street Program and the Website visitor and/or member (“you”). We reserve the right to at any time to:

  • Change the terms of this agreement
  • Change the Website, including eliminating or discontinuing any content or feature of the Website; or
  • Change any fees or charges for use of the Website.

Any changes we make will be effective immediately upon notice which we may provide by means including, without limitation, posting on the Website or via electronic mail. Your use of the Website after such notice will be deemed acceptance of such changes. Be sure to review this agreement periodically to ensure familiarity with the most current version.

  1. Code of Conduct. while using the Website and/or Software (as defined below). You agree not to:
    • Restrict or inhibit any other visitor or member from using the Website, including, without limitation, by means of "hacking" or defacing any portion of the Website;
    • Use the Website or Software for any unlawful purpose;
    • Express or imply that any statements you make are endorsed by us, without our prior written consent;
    • Transmit
      1. any content or information that is unlawful, fraudulent, threatening, abusive, libelous, defamatory, obscene or otherwise objectionable, or infringes on our or any third party's intellectual property or other rights;
      2. any material, non-public information about companies without the authorization to do so;
      3. any trade secret of any third party;
      4. any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities, or other unsolicited commercial communication (except as otherwise expressly permitted by us), or engage in spamming or flooding; any job posting involving any franchise, pyramid scheme, "club membership", distributorship or sales representative agency arrangement or other business opportunity which requires an upfront or periodic payment, pays commissions only (no significant salary) and/or requires recruitment of other members, sub-distributors or sub-agents;
      5. any software or other materials that contain any virus, worm, time bomb, Trojan horse or other harmful or disruptive component;
      6. modify, adapt, sub-license, translate, sell, reverse engineer, decompile or disassemble any portion of the Website or Software; Remove any copyright, trademark, or other proprietary rights notices contained in the Website;
      7. "Frame" or "mirror" any part of the Website without our prior written authorization;
      8. Link to any page of or material on the Website other than the URL located at www.wallstreetprogram.com;
      9. Use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, "data mine," or in any way reproduce or circumvent the navigational structure or presentation of the Website or its contents; or
      10. Harvest or collect information about Website visitors or members without their express consent.
  2. Registration. Although certain areas of the Website do not require you to be a Wall Street Program member, some areas (such as the use of our Message Boards or our Resume Submission Service) do. When and if you register to become a member (registration is currently free!), you agree to:
    1. provide true, accurate, current and complete information about yourself as prompted by our registration form (including your email address) and
    2. maintain and update your information (including your email address) to keep it true, accurate, current, and complete. You acknowledge that, if any information provided by you is untrue, inaccurate, not current, or incomplete, we reserve the right to terminate this Agreement and your use of the Website.
    3. As part of the registration process, you will be asked to select a username and password. We may refuse to grant you a username that impersonates someone else, is or may be illegal, is or may be protected by trademark or other proprietary rights law, is vulgar or otherwise offensive or may cause confusion as determined by us in our sole discretion. You will be responsible for the confidentiality and use of your username and password and agree not to transfer or resell your use of or access to the Website to any third party. If you have reason to believe that your account with us is no longer secure, you must promptly change your password by updating your account information by logging in and clicking on "update your basic membership information" and immediately notify us of the problem by emailing us at webmaster@wallstreetprogram.com. YOU ARE ENTIRELY RESPONSIBLE FOR MAINTAINING THE CONFIDENTIALITY OF YOUR USERNAME AND PASSWORD AND ENTIRELY RESPONSIBLE FOR ANY AND ALL ACTIVITIES (INCLUDING PURCHASES, AS APPLICABLE) THAT ARE CONDUCTED THROUGH YOUR ACCOUNT.
  3. Making Purchases. If you wish to purchase products or services described on the Website, you will be asked by The Wall Street Program to supply certain information applicable to your purchase, including, without limitation, credit card and other information. You understand that any such information will be treated by The Wall Street Program in the manner described in our Privacy Policy. You agree that all information you provide to The Wall Street Program will be accurate and complete. You agree to pay all charges incurred by you or any users of your account and credit card or other payment mechanism at the price(s) in effect when such charges are incurred. You will also be responsible for paying any applicable taxes relating to your purchases. Descriptions or images of, or references to, products or services on the Website do not imply The Wall Street Program's endorsement of such products or services. We reserve the right, without prior notification, to change such descriptions or references or to limit the order quantity on any product or service and/or refuse service to you. Verification of information may be required prior to The Wall Street Program's acceptance of any order. Price and availability of any product or service are subject to change without notice. For more information on The Wall Street Program's customer services policies, including policies regarding shipping and returns, read The Wall Street Program's customer service policies.
  4. Submissions and Postings. Please note that, because we and our designees host message boards and other forums found on the Website as well as other opportunities to post, and therefore redistribute materials you give us, we require certain rights in those materials. Therefore, by sending or transmitting to us creative suggestions, ideas, notes, concepts, or other materials (collectively, "Materials"), or by posting such Materials to any area of the Website, you grant us and our designees a worldwide, non-exclusive, sublicenseable (through multiple tiers), assignable, royalty-free, perpetual, irrevocable right to use, reproduce, distribute (through multiple tiers), create derivative works of, publicly perform, publicly display, digitally perform, make, have made, sell, offer for sale and import such Materials in any media now known or hereafter developed, for any purpose whatsoever, commercial or otherwise, without compensation to the provider of the Materials. None of the Materials shall be subject to any obligation, whether of confidentiality, attribution, or otherwise, on our part and we shall not be liable for any use or disclosure of any Materials.
  5. Message Boards. The Wall Street Program Message Boards are designed to help readers obtain career and company information and discuss ways to make career decisions. This information is sometimes provided by our staff and sometimes by other contributors, many of whom use anonymous screen names and are people not otherwise connected with The Wall Street Program. We recognize that while we make available a large volume of information in our Message Boards, people occasionally post messages or make statements that are misleading, deceptive or incorrect. They may do this unintentionally or even intentionally. Therefore, treat the contributors here the same way you would treat anyone you had met for the first time because anyone can post any information to our Message Boards.

    We neither endorse nor are responsible for any opinion, advice, information or statement made or displayed on the Website or Message Boards by third parties, whether such third parties are visitors to the Website, members of the The Wall Street Program Community or otherwise. We are not responsible for any errors or omissions in articles or postings, for hyperlinks embedded in messages or for any results obtained from the use of such information. Under no circumstances will we or our affiliates, suppliers or agents be liable for any loss or damage caused by your reliance on such information obtained through the Website. If you ignore our advice to independently research companies and industries and choose to make a career decision based on, or take at face value, opinions found in any of the Message Boards, you acknowledge that you have made a conscious, willing, free and personal decision to do so. Remember that it's your responsibility to evaluate, and we cannot and do not take responsibility for the veracity, reliability or completeness of any opinion, advice, information or statement available on the Website.

    The Message Boards are not affiliated with, or endorsed, by the companies described or mentioned therein. The opinions expressed in the Message Boards reflect solely the opinion(s) of the participants - our visitors and members - and may not reflect the opinion(s) of The Wall Street Program. We have no obligation to monitor the Website or the Message Boards or any other materials that you or other third parties transmit or post on to the Website or the Message Boards. However, you acknowledge and agree that we have the right (but not the obligation) to monitor the Website and the Message Boards and the materials you transmit or post, to alter or remove any such materials (including, without limitation, any posting to a Message Board) to disclose such materials and the circumstances surrounding their transmission to any third party in order to operate the Website properly, to protect ourselves, our sponsors, and our members and visitors and to comply with legal obligations or governmental requests.

    Everyone reading messages posted on our Message Boards must recognize that the messages are at least "R" rated. The messages sometimes contain profanity and strong opinions. You should not be reading our Message Boards if you are offended by either. On the other hand, users of the Message Boards must not post sexual, ethnic, racial or other discriminating slurs or material which contains no relevant or constructive content or which goes beyond profanity into obscenity or abhorrence. Nor shall users identify individuals in a negative or derogatory fashion, (unless such individuals are the High Ranking Officials of a company or have otherwise been covered in the media.) Users are also prohibited from posting any proprietary information, trade secrets or confidential information which is the property of any other individual or entity without the permission of such individual or entity. Although The Wall Street Program has no obligation to do so, The Wall Street Program does monitor messages posted on its Message Boards and reserves the right to delete portions of or entire posts which violate the above rules, messages or topics that are unrelated to the specific message board on which they are posted and advertisements, recruiting or other commercial messages. If you believe a message violates our member policies, please contact The Wall Street Program immediately at community@wallstreetprogram.com so that we can consider its editing or removal.
  6. By using The Wall Street Program Resume Submission Service, you agree to be bound by and comply with the terms and conditions as set forth on the website. The Wall Street Program is under no obligation to monitor the information residing on or transmitted to The Wall Street Program Resume Submission Service; however, you agree that The Wall Street Program reserves the right to modify, reject or eliminate any information residing on or transmitted to the Website, or terminate the account of any user, that The Wall Street Program believes, in its sole discretion, to be unacceptable or in violation of these terms and conditions.
  7. Claims of Copyright Infringement. The Digital Millennium Copyright Act of 1998 (the "DMCA") provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that materials hosted by The Wall Street Program infringe your copyright, you (or your agent) may send us a notice requesting that the material be removed or access to it blocked. The notice must include the following information:
    1. physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
    2. identification of the copyrighted work claimed to have been infringed (or if multiple copyrighted works located on the Website are covered by a single notification, a representative list of such works);
    3. identification of the material that is claimed to be infringing or the subject of infringing activity and information reasonably sufficient to allow The Wall Street Program to locate the material on the Website;
    4. the name, address, telephone number and email address (if available) of the complaining party;
    5. a statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law;
    6. a statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. If you believe in good faith that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send The Wall Street Program a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA; see http://www.loc.gov/copyright/ for details. Notices and counter-notices with respect to the Website should be sent to The Wall Street Program LLC, 225 West 83rd Street, Suite 6B, New York, NY 10024, (212) 362-2637. We suggest that you consult your legal advisor before filing a notice or counter-notice. Also, be aware that there can be penalties for false claims under the DMCA.
  8. Ownership and Restrictions on Use. ©2006 The Wall Street Program LLC. All Rights Reserved. The Website is owned and operated by us in conjunction with others pursuant to contractual arrangements. You may not copy, reproduce, republish, upload, post, transmit or distribute materials from the Website in any way without our prior written permission, except you may download one copy of such material on any single computer for your personal, non-commercial home use only provided you keep intact, without change, all copyright and other proprietary notices. Modification of the materials or use of the materials for any other purpose is a violation of our copyright and other proprietary rights and is strictly prohibited. You acknowledge that you do not acquire any ownership rights by using the Website. If you download any software from the Website, such software, including any files, images incorporated in or generated by the software and data accompanying the software (collectively, the "Software") are licensed on a limited basis to you by us or the owner of such Software. Title to the Software is not transferred to you. You own the medium on which the Software is recorded, but we retain all right, title, and interest in and to the Software and all intellectual property rights therein. You may not re-sell, decompile, reverse engineer, disassemble or otherwise reduce the Software to a human-perceivable form or transfer the Software to any third party.

    "The Wall Street Program"; “WallStreetProgram.com" the “The Wall Street Program logo" are trademarks and/or service marks of The Wall Street Program LLC. All other trademarks, service marks and logos used on the Website are the trademarks, service marks or logos of their respective owners.
  9. Jurisdictional Issues. The Website is solely directed to individuals residing in the United States. We control and operate the Website from within the State of New York, United States of America. We make no representation that materials in the Website are appropriate or available for use in other locations. Those who choose to access the Website from other locations do so on their own initiative and at their own risk and are responsible for compliance with local laws, if and to the extent local laws are applicable. The Software is further subject to United States export controls. No Software may be downloaded or otherwise exported or re-exported (i) into (or to a national or resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria or any other country to which the U.S. has embargoed goods; or (ii) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders. By downloading or using the Software, you represent and warrant that you are not located in, under the control of or a national or resident of any such country or on any such list.We reserve the right to limit the availability of the Website and/or the provision of any service, program, film or other product described thereon to any person, geographic area or jurisdiction it so desires, at any time and in our sole discretion, and to limit the quantities of any such service, program, film or other product that we provide.
  10. Rules for Sweepstakes, Contests and Games. Any sweepstakes, contests and games that are accessible through the Website are governed by specific rules. By entering such sweepstakes or contests or participating in such games you will become subject to those rules. We urge you to read the applicable rules which are linked from the particular activity and to review our Privacy Policy, which discusses and governs (in addition to this Agreement) any information you submit in connection with such sweepstakes, contests and games.
  11. Termination. This Agreement shall remain effective until terminated in accordance with its terms. Either party may terminate this Agreement immediately upon notice to the other party. In addition, we reserve the right to immediately terminate this Agreement and/or your access to and use of the Website or any portion thereof, at any time and for any reason, with or without cause. Upon termination of this Agreement by either party, your right to use the Website shall immediately cease and you shall destroy all materials obtained from the Website and all copies thereof, whether made under the terms of this Agreement or otherwise.
  12. Disclaimers. THE WEBSITE, THE MATERIALS ON THE WEBSITE, ANY PRODUCT OR SERVICE OBTAINED THROUGH THE WEBSITE, AND THE SOFTWARE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE WALL STREET PROGRAM AND ITS AFFILIATES, SUPPLIERS, ADVERTISERS AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Applicable law may not allow the exclusion of implied warranties, so the above exclusions may not apply to you. THE WALL STREET PROGRAM AND ITS AFFILIATES, SUPPLIERS AND AGENTS DO NOT WARRANT THAT YOUR USE OF THE WEBSITE OR THE SOFTWARE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, THAT DEFECTS WILL BE CORRECTED OR THAT THE WEBSITE (OR THE SERVER(S) ON WHICH IT IS HOSTED) OR SOFTWARE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU ACKNOWLEDGE THAT YOU ARE RESPONSIBLE FOR OBTAINING AND MAINTAINING ALL TELEPHONE, COMPUTER HARDWARE AND OTHER EQUIPMENT NEEDED TO ACCESS AND USE THE WEBSITE AND ALL CHARGES RELATED THERETO. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE WEBSITE AND THE SOFTWARE AND YOUR RELIANCE THEREON. NO OPINION, ADVICE OR STATEMENT OF THE WALL STREET PROGRAM OR ITS AFFILIATES, SUPPLIERS, AGENTS, MEMBERS OR VISITORS, WHETHER MADE ON THE WEBSITE, IN THE SOFTWARE OR OTHERWISE, SHALL CREATE ANY WARRANTY. YOUR USE OF THE WEBSITE AND ANY MATERIALS PROVIDED THROUGH THE WEBSITE ARE ENTIRELY AT YOUR OWN RISK. A possibility exists that the Website or Message Boards could include inaccuracies or errors or materials that violate these Terms of Use (specifically, the Code of Conduct above). Additionally, a possibility exists that unauthorized alterations could be made by third parties to the Website or Message Boards. Although we attempt to ensure the integrity of the Website, we make no guarantees as to the Website's completeness or correctness. In the event that such a situation arises, please contact us at community@wallstreetprogram.com with, if possible, a description of the material to be checked and the location (URL) where such material can be found on the Website, as well as information sufficient to enable us to contact you. We will try to address your concerns as soon as reasonably practicable. For copyright infringement claims, see the section on "Claims of Copyright Infringement" above.
  14. Indemnification. You agree to indemnify, defend and hold us, our officers, directors, employees, agents and representatives harmless from and against any and all claims, damages, losses, costs (including reasonable attorneys' fees) or other expenses that arise directly or indirectly out of or from (a) your breach of this Agreement; (b) any allegation that any materials that you submit to us or transmit to the Website infringe or otherwise violate the copyright, trademark, trade secret or other intellectual property or other rights of any third party; (c) your violation of the Code of Conduct above; and/or (d) your activities in connection with the Website.
  15. Miscellaneous. This Agreement is governed by and construed in accordance with the laws of the State of New York, United States of America, without regard to its principles of conflicts of law. You agree to personal jurisdiction by the federal and state courts located in the County of New York, located in New York City, New York, United States of America and to waive any jurisdictional, venue or inconvenient forum objections to such courts. If any provision of this Agreement is found to be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from this Agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire Agreement between us relating to the subject matter herein and supersedes all prior or contemporaneous written or oral Agreements between us. This Agreement is not assignable, transferable or sublicensable by you except with The Wall Street Program's prior written consent. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. Any heading, caption or section title contained in this Agreement is inserted only as a matter of convenience and in no way defines or explains any section or provision hereof.