Introduction
IMPORTANT! YOUR ACCESS TO THIS WEBSITE IS SUBJECT TO LEGALLY BINDING TERMS AND CONDITIONS. CAREFULLY READ ALL OF THE FOLLOWING TERMS AND CONDITIONS BEFORE PROCEEDING. ACCESSING THIS WEBSITE IS THE EQUIVALENT OF YOUR SIGNATURE AND INDICATES YOUR ACCEPTANCE OF THESE TERMS AND CONDITIONS AND THAT YOU INTEND TO BE LEGALLY BOUND BY THEM. IF YOU DO NOT AGREE WITH THESE TERMS AND CONDITIONS YOU MUST EXIT THE WEBSITE.
These Terms of Use (the “Agreement”) is an agreement between you (“you”) and the owner of the Website, InterestPiggy ( “us”, “we”). The effective date of this Agreement is when you accept or are deemed to accept this Agreement by access or use of this Website (“Website”). This Agreement does not alter in any way the terms or conditions of any other agreement you may have with InterestPiggy.
By accessing and/or using this Website, you represent and warrant that you are over the age of 18 and are lawfully able to accept this Agreement. If you do not have the capacity to enter into a legal agreement in the province, state, territory or country in which you reside, do not access or use the Website.
By accessing and/or using this Website you acknowledge that you have not been previously suspended or removed from this Website by InterestPiggy for any reason, unless since the date of your suspension or removal you have received written authorization from InterestPiggy to access this Website.
By accessing and/or using this Website you acknowledge that you have read, understand and agree to comply with these Terms of Use and the Privacy Policy and all applicable laws.
If you are accessing and/or using the Website on behalf of any entity, you further represent and warrant that you are authorized to accept this Agreement on such entity’s behalf, and that such entity agrees to indemnify InterestPiggy in accordance with this Agreement.
This Website is intended for clients and customers of InterestPiggy and members of InterestPiggy. You are not authorized to use this Website or its contents for any purpose other than is consistent with use as a client, customer or member of InterestPiggy.
You hereby consent to the exchange of information and documents between you and InterestPiggy or an agent of InterestPiggy electronically over the Internet, by email, or by another electronic or hardcopy means.
You agree that this electronic Agreement shall be the equivalent of a written paper agreement between you and InterestPiggy.
InterestPiggy hereby grants you a right to access and use the Website if you comply with all of these Terms of Use and the Privacy Policy, and such right is granted in accordance with these Terms of Use and the Privacy Policy.
You agree not to make any unauthorized commercial use of the Website or any Products or Services you obtain through use of the Website or otherwise from InterestPiggy.
You agree that it is solely your responsibility to ensure that your access to this Website complies with the laws of your jurisdiction. We make no representation that information on the Website or any Product or Service is appropriate or available for use outside Canada.
We reserve the right, in our sole discretion to update or revise these Terms. Your continued use of the Website following the posting of any changes to the Terms constitutes acceptance of those changes.
No Financial Advice:
The information and materials available on this Website are not intended to provide specific advice, including any financial or legal advice. You should always consult with a financial or legal expert regarding your own personal circumstances. You should never disregard, avoid or delay obtaining advice from your financial or legal advisor because of something you have read on this Website.
THE WEBSITE IS NOT INTENDED TO CONSTITUTE OR BE A SUBSTITUTE FOR FINANCIAL OR OTHER PROFESSIONAL ADVICE AND SHOULD NOT BE RELIED UPON IN ANY SUCH REGARD. YOU SHOULD ALWAYS CONSULT A FINANCIAL PROFESSIONAL REGARDING ANY FINANCIAL RELATED CONTENT ON THIS SITE. THE INFORMATION IN THIS SITE DOES NOT CREATE ANY FINANCIAL PROVIDER/CLIENT RELATIONSHIP BETWEEN YOU AND INTERESTPIGGY. NO ADVICE OR INFORMATION OF ANY KIND, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM THE CONTENT OR THE WEBSITE SHALL CREATE ANY WARRANTY.
Ownership of this Website and its Content:
This Website, including all software code, its content and design, is protected under applicable intellectual property and other laws, including without limitation the laws of Canada and other countries (“Content”). For clarity, Content further includes all information you submit to the Website or to InterestPiggy through the Website including, but not limited to, any Submissions, ads, messages, images, articles, text, illustrations, graphics, photographs, information, audio or video clips, or other information (or any combination thereof) submitted through any section of the Website. All Content and intellectual property rights therein are the property of InterestPiggy, unless otherwise agreed in a prior written agreement with InterestPiggy. You do not acquire ownership rights to any Content, whether viewed or otherwise accessed, through this Website. Except as otherwise provided herein, none of this Content may be used, copied, reproduced, distributed, reverse engineered, republished, downloaded, modified, sold, rented, shared, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic or mechanical copying, photocopying, recording, or otherwise, without InterestPiggy’s express prior written permission.
You are hereby granted, subject to this Agreement, a limited, non-exclusive, non-transferable license to view the screens, materials, and Content (excluding any software code) on this Website and to print only a limited number of copies of such screens, materials and Content as is reasonably needed for your own non-commercial use. You agree not to share the copied screens, materials and Content with any other person or entity, and to destroy such copied screens, materials and Content immediately upon the completion of the use of the screens and materials for which you made a copy of such screens, materials and Content.
This Website contains trademarks, service marks, trade dress, designs, logos, product and service names, and graphics (collectively, “Trademarks”) that are owned by InterestPiggy or by third parties. You are not authorized to display copy or use the Trademarks in any manner without the prior written permission of the rights owner.
Your Consent to Our Privacy Policy:
By agreeing to this Agreement, you agree to the terms of the Website’s Privacy Policy (accessible from the Website), which is expressly incorporated herein. Before using this Website, please carefully review the Privacy Policy. All information provided to us as a result of your use of this Website will be handled in accordance with the Privacy Policy. To the extent there are inconsistencies between this Agreement and the Privacy Policy, this Agreement controls.
You certify, represent and warrant that when using the Website you will comply with all applicable laws and regulations, including, without limitation, those relating to the Internet, data, email, messaging, privacy, and the transmission of technical data exported from Canada or the country in which you reside.
You further consent to InterestPiggy providing information other than personal information, relating to you and your use of the Website to facilitate the function of the Website and to allow users to utilize the Website.
Submissions:
You agree that all ideas, notes, postings, concepts, inventions, know-how, techniques, product reviews, remarks, suggestions, comments, graphics or other information you communicate to InterestPiggy through this Website and all intellectual property rights therein (“Submissions”) shall be the property of InterestPiggy. You hereby irrevocably transfer, assign and convey to InterestPiggy all right, title and interest including without limitation intellectual property rights existing anywhere in the world, in and to any and all Submissions, and waive any moral rights you may have in the Submissions. InterestPiggy will not be required to treat any Submissions as confidential and shall not be subject to any obligations of confidentiality regarding any such Submissions unless: (i) specifically agreed by InterestPiggy in writing in advance of your communication of such Submissions to InterestPiggy; or (ii) required by law.
InterestPiggy will not be liable for any similarities of your Submissions to any future business operations of InterestPiggy. Without limitation, InterestPiggy will have exclusive ownership of all present and future existing rights to the Submissions of every kind and nature, and you agree to sign such further documentation and undertake such activities at your expense as may be required by InterestPiggy to evidence such assignment and waivers as you have provided in this Agreement. You represent and warrant that upon submission you owned or had all rights, title and interest in and to your Submissions and had the right to assign them to InterestPiggy, and to waive all moral rights therein, and that all of your Submissions do and will comply with this Agreement.
The InterestPiggy does not pre-screen Submissions or any other Content that is posted on the Website by you or any other person. InterestPiggy will have the right, but not the obligation, at its sole discretion to refuse, move or delete any Content that is inappropriate or objectionable.
You are prohibited from and agree not to store, distribute or transmit to or through the Website any text, data, images, programs, or other Submissions that are illegally obtained or otherwise illegal. Examples or material that is considered illegal include, but are not limited to: material that is threatening, coercive or harassing in nature; material that contains child pornography; material that is copyright protected, contains third-party trademarks, or is proprietary material for which you do not have written permission and complete authorization from the owner(s) of such materials to provide such materials to us for incorporation in the Website. The storage, distribution or transmission of illegal material may result in criminal and/or civil charges being brought against you.
You agree not to provide us with any Submissions or programs that contain viruses, Trojan horses or tools that have the effect of compromising the security of the Website or other sites.
Prohibitied Uses
You agree not to do any of the following:
- Download, copy, or re-transmit any or all of the Content without, or in violation of, a written license or agreement with InterestPiggy;
- Copy, modify, adapt, translate, download or transmit all or any part of the software relating to this Website, or sell, lease, license or assign the software or otherwise allow access thereto, or decompile, disassemble, decrypt, extract, reverse engineer or re-create the Website, its components, or something similar to the Website including, in particular, the software, or help anyone do so;
- Use this Website in any manner that could disable, overburden, damage or impair the Website or interfere with any other party’s use of the Website including their ability to engage in real time activities through the Website;
- Use any robot, spider, other automatic device process or means, or similar data gathering, data mining, or extraction methods to access the Website for any purpose including monitoring or copying any of the material on the Website;
- Use any manual process to monitor or copy any of the material on the Website or for any other unauthorized purpose without the prior written consent of InterestPiggy;
- Use any device, software or routine that interferes with the proper working of the web/Internet;
- Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the web/Internet or the server on which the Website is hosted;
- Attack the Website via a denial-of-service attack or a distributed denial-of-service attack;
- Attempt to interfere with the proper working of the Website, including but not limited to through hacking, ransoming, or other attacks upon the Services provided by and function of the Website;
- Use the Website to fraudulently misrepresent yourself, impersonate another person, engage in false advertising; to defraud or defame any person, or to engage or otherwise participate in any ponzi scheme, pyramid scheme, chain letter, unsolicited bulk or commercial emails, or to collect any personal or personally identifiable information from any user of the Website with that person’s knowledge or consent;
- Distribute the Content of the Website for any purpose including without limitation compiling an internal database, redistributing or reproduction of the Content by the press or media, or through any commercial network, cable or satellite system;
- Create derivative works of, reverse engineer, decompile, disassemble, adapt, translate, transmit, arrange, modify, copy, bundle, sell, sub-license, export, merge, transfer, adapt, loan, rent, lease, assign, share, outsource, host, publish, make available to any person or otherwise use, either directly or indirectly, the Content in whole or in part, in any form or by any means whatsoever, be they physical, electronic or otherwise;
- • Post any Content or Submissions, including any messages, ads, data, images, text illustrations, articles, photographs, or audio or video clips that might be considered by a reasonable person to be obscene or that contain racial, ethnic, religious slurs or derogatory epithets, or that advocate violence or hate, is threatening, abusive, libellous, defamatory, obscene, vulgar, pornographic, harassing in nature, profane or indecent material of any kind including without limitation any transmission constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability or violate any local, state, provincial, territorial, federal or other law, or that contain language that is otherwise deemed offensive by InterestPiggy;
- Use the Website in any manner that promotes and/or enables illegal or unlawful activities;
- Permit, allow or do anything that would infringe or otherwise prejudice the proprietary rights of InterestPiggy or its licensors or allow any third-party to access the Content; and
- Use the Website other than for its intended purpose, or in any manner not expressly permitted in this Terms of Use.
Such unauthorized use may also violate applicable laws including without limitation copyright and trademark laws, the laws of privacy and publicity, and applicable communications regulations and statutes.
Content:
InterestPiggy will not be responsible for any damages you or any third-party may suffer as a result of the submission, transmission, storage or receipt of confidential or proprietary information that you make or that you expressly or implicitly authorize InterestPiggy to make, or for any errors or any changes made to any submitted, transmitted, stored or received information.
You are solely responsible for the retrieval and use of the Content. You should apply your own judgment in making any use of any Content, including, without limitation, the use of the information as the basis for any conclusions.
INTEREST PIGGY ASSUMES NO OBLIGATION TO UPDATE THE CONTENT ON THIS WEBSITE. THE CONTENT ON THIS WEBSITE MAY BE CHANGED WITHOUT NOTICE TO YOU. INTEREST PIGGY IS NOT RESPONSIBLE FOR ANY CONTENT OR INFORMATION THAT YOU MAY FIND UNDESIRABLE OR OBJECTIONABLE. INTEREST PIGGY DISCLAIMS ANY LIABILITY FOR UNAUTHORIZED USE OR REPRODUCTION OF ANY PORTION OF THE WEBSITE. ACCESSING THE CONTENT FROM TERRITORIES WHERE IT MAY BE ILLEGAL IS PROHIBITED.
Confidentiality and Security:
THERE IS NO GUARANTEE THAT INFORMATION OR PERSONAL INFORMATION ON THIS WEBSITE OR ON THE INTERNET, OR SUBMISSIONS TO THIS WEBSITE OR THROUGH THE INTERNET WILL BE MAINTAINED CONFIDENTIAL AND SECURE. THE USE OF THIS WEBSITE AND THE CONTENT IS AT YOUR OWN RISK AND INTEREST PIGGY ASSUMES NO LIABILITY OR RESPONSIBILITY PERTAINING TO THE CONTENT, YOUR USE OF THE WEBSITE OR THE RECEIPT, STORAGE, TRANSMISSION OR OTHER USE OF YOUR INFORMATION OR PERSONAL INFORMATION.
Disclaimer of Warranty
EXCEPT AS EXPRESSLY PROVIDED IN THIS AGREEMENT, THIS WEBSITE AND ALL CONTENT, INFORMATION, NAMED, IMAGES, PICTURES AND LOGOS, PRODUCTS, SERVICES AND SOFTWARE ON THIS WEBSITE OR MADE AVAILABLE THROUGH THIS WEBSITE ARE PROVIDED “AS IS” WITHOUT ANY REPRESENTATIONS, WARRANTIES, GUARANTEES OR CONDITIONS, OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO, WARRANTIES AS TO UNINTERRUPTED OR ERROR FREE OPERATION OR PERFORMANCE, AVAILABILITY, VISIBILITY, ACCURACY, QUALITY, COMPLETENESS, COMPATIBILITY, SECURITY, CURRENTNESS, RELIABILITY, TIMELINESS, LEGALITY, SUITABILITY, PRIVACY, SECURITY, MERCHANTABILITY, TITLE, NON-INFRINGEMENT OR FITNESS FOR A PARTICULAR PURPOSE, OR THOSE ARISING OUT OF A COURSE OF DEALING OR USAGE OF TRADE. INTEREST PIGGY ASSUMES NO RESPONSIBILITY OR LIABILITY FOR TIMELINESS OR PERFORMANCE OF THE WEBSITE, OR FOR ERRORS, INACCURACIES, OMISSIONS OR INCOMPLETE INFORMATION IN THE WEBSITE OR THE CONTENT.
Limitation of Liability
IN NO EVENT WILL INTEREST PIGGY, ITS AFFILIATES, AGENTS, LICENSORS, SUPPLIERS, THIRD PARTIES ENGAGED BY INTEREST PIGGY, THIRD PARTIES THAT ASSIST INTEREST PIGGY, OR THEIR RESPECTIVE DIRECTORS, OFFICERS OR EMPLOYEES BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, PUNITIVE, EXEMPLARY, AGGRAVATED, ECONOMIC OR CONSEQUENTIAL DAMAGES, HOWSOEVER CAUSED IN RELATION TO THE CONTENT OR THE WEBSITE, OR OTHERWISE IN RELATION TO ANY ACTION OR OMISSION BY INTEREST PIGGY, INCLUDING BUT NOT LIMITED TO: DAMAGES FOR LOSS OF USE, LOST PROFITS OR LOST SAVINGS, EVEN IF INTEREST PIGGY OR ANY OF ITS LAWFUL AGENTS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR CLAIM.
IN NO EVENT WILL INTEREST PIGGY, ITS AFFILIATES, AGENTS, LICENSORS, SUPPLIERS, THIRD PARTIES ENGAGED BY INTEREST PIGGY, THIRD PARTIES THAT ASSIST INTEREST PIGGY, OR THEIR RESPECTIVE DIRECTORS, OFFICERS OR EMPLOYEES, BE LIABLE FOR ANY DAMAGES OR LOSSES WHATSOEVER, HOWSOEVER CAUSED, RESULTING FROM: INTERRUPTIONS, SUSPENSIONS, DELAYS, OMISSIONS, VIRUSES, WORMS, INFECTIONS, TROJAN HORSES, CONTAMINATING CODE, DATA CORRUPTION, FAILED MESSAGES, TRANSMISSION ERRORS OR PROBLEMS; TELECOMMUNICATIONS SERVICE PROVIDERS; LINKS TO THIRD-PARTY SOCIAL NETWORKING SITES OR ACCOUNTS, WEBSITES OR WEBPAGES; THE INTERNET BACKBONE; CLOUD ERRORS OR PROBLEMS; PERSONAL INJURY; THIRD-PARTY CONTENT, PRODUCTS OR SERVICES (INCLUDING OF THIRD PARTIES ENGAGED BY OR ASSISTING INTEREST PIGGY); SUBMISSIONS OR OTHER INPUT YOU SUBMIT TO THIS WEBSITE; DAMAGES OR LOSSES CAUSED BY YOU, OR YOUR RESPECTIVE EMPLOYEES, AFFILIATES, AGENTS OR SUBCONTRACTORS; LOSS OF USE OR LACK OF AVAILABILITY OF FACILITIES INCLUDING COMPUTER RESOURCES, ROUTERS AND STORED DATA; THE USE OR INABILITY TO USE THIS WEBSITE OR THE CONTENT; ANY OTHER WEBSITE OR WEBPAGE, OR SOCIAL NETWORKING SITE OR ACCOUNT, ACCESSED TO OR FROM THIS WEBSITE; OR EVENTS BEYOND THE REASONABLE CONTROL OF INTEREST PIGGY, EVEN IF INTEREST PIGGY OR ANY OF ITS LAWFUL AGENTS HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR CLAIM.
IN NO CASE WILL INTEREST PIGGY’S, ITS AFFILIATES’, AGENTS’, LICENSORS’, SUPPLIERS’, THIRD PARTIES’ (ENGAGED BY INTEREST PIGGY), THIRD PARTIES’ (THAT ASSIST INTEREST PIGGY), AND THEIR RESPECTIVE DIRECTORS’, OFFICERS’ AND EMPLOYEES’ CUMULATIVE TOTAL LIABILITY ARISING UNDER ANY CAUSE WHATSOEVER, INCLUDING WITHOUT LIMITATION BREACH OF CONTRACT, TORT, NEGLIGENCE, GROSS NEGLIGENCE, OR OTHERWISE, BE FOR MORE THAN THE AMOUNT, IF ANY, PAID BY YOU UNDER THIS AGREEMENT TO ACCESS THIS WEBSITE, IN THE YEAR IN WHICH THE CLAIM AROSE.
Member’s Only Site:
If you are a member of InterestPiggy we may grant you access to certain portions of the Website that require a login and/or password to access. You agree only to access such portions of the Website if you are a member of InterestPiggy and InterestPiggy grants you authorization to access such portions of the Website. InterestPiggy may grant you a legitimate user ID, password and/or access code. For clarity, if InterestPiggy has not provided you with a login and/or access code you are not authorized to access such areas of the website that require a login and/or password to be accessed.
You agree that you will only have one active account. You further agree that you are responsible for maintaining the secrecy of your password and account information including your login and password. Use of your login and/or password by any person that is not you is expressly prohibited and should this occur for any reason whatsoever you are wholly and fully responsible for all activities of such person, including any omissions by such person, when so logged-in or accessing password protected portions of the Website. You agree to indemnify InterestPiggy for any such activities by any such person.
You agree that we can at any time revoke your access to any portions of the Website that require authorization to access, at our sole discretion.
If you are a member you represent and warrant that:
- you represent a bidder or a company that is: (i) currently registered, licensed and in good standing with a Security and Exchange Commission or a Financial Services commission; and (ii) a reputable organization to represent a securities investor in Canada;
- you are licensed to sell the financial product that you will act in relation to in your use of this Website;
- you are classified as one or more of the following: a credit union, a caisses populaires, a loan company, a trust company, a mortgage brokerage, an administrator, a mortgage agent, and/or a mortgage broker;
- through your participation in the Website and through your registration and use of a member account, your personal information associated with your member account may be transmitted to another member of this Website, and you consent to this transmission of your personal information; and
- you will contact any client who your activities on this Website relating to an competition involve within twenty-four (24) hours of such competition ending.
You understand and acknowledge that members that provide financial services, such as members that are banks, virtual banks, brokers and agents, that participate on the Website (the “Provider Members”) are not employees of InterestPiggy. INTERESTPIGGY IS NOT RESPONSIBLE OR LIABLE FOR ANY ACTS OR OMISSIONS CREATED OR PERFORMED BY SUCH PROVIDER MEMBERS AND/OR ANY THIRD PARTY. YOUR CORRESPONDENCE OR BUSINESS DEALINGS WITH PROVIDER MEMBERS OR ANY OTHER THIRD PARTIES INITIATED ON OR ENGAGED IN THROUGH THE WEBSITE OR ANY PRODUCTS OR SERVICES PROVIDED THROUGH THE WEBSITE, INCLUDING BUT NOT LIMITED TO PAYMENT AND DELIVERY OF SERVICES, GOODS RELATED TO SUCH SERVICES, AS WELL AS ANY PERSONAL INFORMATION, OPT-IN CONTACT INFORMATION AND ANY OTHER TERMS, CONDITIONS, WARRANTIES OR REPRESENTATIONS EXCHANGED IN RELATION TO, OR OTHERWISE ASSOCIATED WITH SUCH SERVICES, ARE SOLELY BETWEEN YOU AND SUCH PROVIDER MEMBER OR OTHER THIRD PARTY. INTERESTPIGGY WILL NOT BE RESPONSIBLE OR LIABLE FOR ANY LOSS OR DAMAGE OF ANY SORT, WHETHER OR NOT FORESEEABLE, INCURRED AS A RESULT OF SUCH SERVICES BETWEEN YOU AND ANY PROVIDER MEMBER OR OTHER THIRD PARTY. YOU AGREE TO HOLD HARMLESS AND INDEMNIFY INTERESTPIGGY FOR ANY AND ALL CLAIMS, DEMANDS, JUDGMENTS, LIABILITY, COSTS, OR FEES, INCLUDING REASONABLE ATTORNEYS RELATING TO SUCH SERVICES BETWEEN YOU AND ANY PROVIDER MEMBER OR OTHER THIRD PARTY.
YOU AGREE TO HOLD HARMLESS AND INDEMNIFY INTERESTPIGGY FOR ANY AND ALL CLAIMS, DEMANDS, JUDGMENTS, LIABILITY, COSTS, OR FEES, INCLUDING REASONABLE ATTORNEYS’ FEES, ARISING OUT OF OR RELATING TO DISPUTES OVER TRANSACTIONS, SERVICES OR PRODUCTS ENTERED INTO THROUGH THE WEBSITE, INCLUDING THOSE YOU ENGAGED IN AS A MEMBER OF THE WEBSITE. YOU AGREE TO PAY FOR ANY AND ALL PRODUCTS AND SERVICES THAT YOU HAVE REQUESTED OR ACCEPTED THROUGH YOUR USE OF THE WEBSITE. YOU ALSO AGREE TO PROVIDE ANY OR ALL PRODUCTS AND SERVICES THAT YOU HAVE BEEN ENGAGED TO PROVIDE OR PERFORM BY USERS OF THE WEBSITE. YOU UNDERSTAND AND AGREE THAT INTERESTPIGGY WILL NOT BE HELD LIABLE FOR ANY USER’S FAILURE TO COMPLETE A TRANSACTION OR PROVIDE A SERVICE REQUESTED THROUGH THIS WEBSITE.
You represent and warrant that you will not, through any use of this Website and otherwise in any manner through your member account: (i) violate any term or condition of this Agreement; (ii) violate any applicable law, regulation, license limitations, statute, ordinance, or treaty; (iii) contribute false, inaccurate, or misleading information to the Website; or (iv) violate the rights of any third party, including trademark rights, copyright rights, patent rights, and rights of privacy or publicity.
InterestPiggy reserves the right, within its sole and absolute discretion, to disable, delete, restrict access to, or ban you member account or to remove any content, comments, or materials submitted through your member account that violates this Terms of Use or that is otherwise unlawful, harmful, offensive, or inappropriate, as determined in InterestPiggy’s sole discretion. InterestPiggy has the right, but has no obligation, to monitor the information submitted through Member Accounts to the Website. InterestPiggy may replace, modify, or delete this information at any time and in its sole discretion.