Terms of Use

Terms of Use


Mark A. Bernstein and its subsidiaries operate a family of Web sites and associated Web pages. Any person accessing or using the Mark A. Bernstein Website is referred to as "you".

Acceptance of Terms

By accessing or using any part of this website or the services provided on it or other Web sites as set forth below (collectively, the "Services"), you agree to accept and comply with the terms, conditions, and notices stated herein and as may be modified by Mark A. Bernstein from time-to-time without notice to you (the "Terms of Use"). These Terms of Use constitute a binding contract between Mark A. Bernstein and you. You are responsible for regularly reviewing the Terms of Use. You can review the most current version of the Terms of Use at any time. If you do not wish to be bound by these Terms of Use, please do not access or use any part of the website or network.

Additional terms may govern use of certain Web sites or Web pages within the Mark A. Bernstein Family. In the event that any provision, term or guideline contained on a particular Web site or Web page in the Mark A. Bernstein Family conflicts with the Terms of Use, the terms of such Web site or Web page shall control over the Terms of Use except with respect to the General Terms set forth below, which shall at all times control.

General Use of Mark A. Bernstein Site

Unless specified otherwise, Mark A. Bernstein offers you access to the Mark A. Bernstein solely for your personal and non-commercial uses. You agree to only access or use the Mark A. Bernstein only for legal purposes that are permitted by the Terms of Use. Among other things, you agree not to:

except with the express written permission of Mark A. Bernstein, modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another Web page, use on any other Web site, transfer or sell any information, software, lists of users, databases or other lists, products or services provided through or obtained from the Mark A. Bernstein Family, including without limitation, engaging in the practices of "screen scraping," "database scraping," or any other activity with the purpose of obtaining lists of users or other information; damage, disable, overburden, or impair Mark A. Bernstein or interfere with any other party’s use and enjoyment ofMark A. Bernstein; obtain or attempt to obtain any materials or information through any means not made readily accessible by Mark A. Bernstein through Mark A. Bernstein.

Except with the express written permission of Mark A. Bernstein, you agree that you will not access or attempt to access password protected, secure or non-public areas of Mark A. Bernstein.

Except with the express written permission of Mark A. Bernstein, you agree that you will not create links from any Web site or Web page to any page within Mark A. Bernstein; provided however upon prior written notice to Mark A. Bernstein, you may create a link directly to any of Mark A. Bernstein home pages. The origin of any link to any Mark A. Bernstein home page must be accompanied by a clear and prominent attribution indicating that the link is connected to the Mark A. Bernstein home page. By creating a link to Mark A. Bernstein, you agree that (a) you will not employ any technology that results in the placement of content from Mark A. Bernstein in a frame and/or a reduced pop-up window and/or any other display mechanism which changes appearance of Mark A. Bernstein from how it would appear if a user typed the URL in a typical browser line, (b) your site shall not display content or link to other web sites that contain content that is illegal, obscene, indecent, disparaging, discriminating or otherwise offensive, (c) you have duly registered your domain name and possess all rights necessary to use the same, and (d) you shall not in any manner access, collect, store, disclose, transfer or use any information obtained or derived from a user’s access to or use of Mark A. Bernstein. Mark A. Bernstein reserves the right to revoke your permission to create such link at any time in its sole discretion and you agree to immediately cease using the link at any time that Mark A. Bernstein so requests.

You agree that Mark A. Bernstein may in its sole discretion and at any time terminate your access to and use of Mark A. Bernstein, or any part thereof, with or without notice. You further agree that use of Mark A. Bernstein and any of its Services shall be immediately terminated if you violate these Terms of Use. In addition, Mark A. Bernstein reserves the right, in its sole discretion, to modify or discontinue the Services or any portion thereof, with or without notice, and without liability to you.

The Services provided through Mark A. Bernstein may also be located on third party Web sites or applications, via a link, click-through advertising, or otherwise. Nothing contained in any of these Services is an offer or promise by Mark A. Bernstein to sell a specific product for a specific price or that any advertiser will sell any product or service for any purpose or price or on any specific terms. In addition, Mark A. Bernstein does not make any representation or warranty with respect to such third party Services, and is not responsible for their accuracy, sufficiency, veracity, completeness, or timeliness. You are responsible for confirming the sufficiency and reliability of any third party Services, and you hereby release Mark A. Bernstein from any and all claims, demands, liability and damages (actual or consequential) of every kind and nature, known and unknown, suspected or unsuspected, disclosed or undisclosed, arising out of or in any way connected with your use of such Services. Further, please note that certain of the interactive Services may be financial or mortgage tools that provide information and customized information based on user-inputted data. These tools are for the purpose of performing calculations, and are not an offer to lend. Interest rates shown are for demonstration purposes only. Actual market interest rates may vary.

Please note that you may be subject to additional and/or different terms, conditions, and privacy policies when you use third party Services, Content (as defined below), software or sites.

Content Contained in Mark A. Bernstein

Mark A. Bernstein and all of its contents including, but not limited to, all information, text, messages, images, photos, illustrations, designs, icons, video clips, sounds, files, trademarks, copyrighted material, trade dress, software, specifications, catalogs, literature, technical information, advertisements and other content or materials on Mark A. Bernstein (collectively, "Content") is owned by Mark A. Bernstein and/or third parties with all rights reserved unless otherwise noted. Mark A. Bernstein grants you a limited license to access and use Mark A. Bernstein and Content solely for informational, personal and non-commercial purposes (including printing individual pages from Mark A. Bernstein provided that you retain all copyright and other proprietary notices contained thereon). You are strictly prohibited from downloading (other than page caching) modifying, or making any other use of Mark A. Bernstein or Content, except with express written consent of Mark A. Bernstein. You understand that all third party Content posted on, transmitted through, or linked from the Mark A. Bernstein Family, is the sole responsibility of the third party originator of such Content. Content is provided through Mark A. Bernstein AS IS, and you agree that the use of and reliance on any Content is at your own risk, and that under no circumstances shall Move be liable for any Content or for any loss or damage of any kind incurred as a result of the use of any Content made available via the Services.

You acknowledge that Mark A. Bernstein does not screen or approve third-party Content, and that Mark A. Bernstein shall have the right (but not the obligation) in its sole discretion to refuse, modify, delete or move any Content that is available via Mark A. Bernstein, for any reason.

Content You Provide

To the extent that you post, upload, input, submit or otherwise transmit (collectively, "Transmit" or "Transmitting" as appropriate) Content on or through Mark A. Bernstein, you agree to provide true, accurate and complete information and to refrain from impersonating or falsely representing your affiliation with any person or entity. You are entirely responsible for all Content that you provide or otherwise make available via Mark A. Bernstein. You also warrant and represent that you own or otherwise control all of the rights to such Content including, without limitation, all the rights necessary for you to Transmit such Content, and to transfer your or others’ interests in such Content to Mark A. Bernstein as provided below.

You promise that you will not use Mark A. Bernstein to:

Transmit any Content not related to appropriate subject matters; which is misleading to others, including consumers; that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable; that you do not have a right to post and transmit under any law or under contractual relationships; such that such posting, uploading, or transmission constitutes the infringement of any patent, trademark, trade secret, copyright or other proprietary rights of any party; and materials that contain software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; or intentionally or unintentionally violate any applicable local, state, national or international law, or any regulations having the force of law, including the Civil Rights Act of 1866, the Fair Housing Act, the Americans with Disabilities Act, and the Equal Credit Opportunity Act.

By Transmitting Content to Mark A. Bernstein, you grant, and you represent and warrant that you have the right to grant, to Mark A. Bernstein an irrevocable, perpetual, non-exclusive, fully paid, worldwide license to use, copy, perform, display, and distribute the Content and to prepare derivative works of, or incorporate into other works, the Content, and to grant and authorize sublicenses (through multiple tiers) of the foregoing. Furthermore, by posting Content to any public area of Mark A. Bernstein, you grant Mark A. Bernstein all rights necessary to prohibit any subsequent aggregation, display, copying, duplication, reproduction, or exploitation of the Content on Mark A. Bernstein by any party for any purpose.

Mark A. Bernstein is committed to maintaining the privacy and security of any and all such information that you provide to Mark A. Bernstein through the Mark A. Bernstein Family in accordance with its Privacy Policy. Please click here to review the Mark A. Bernstein Privacy Policy.

Applicable Law

This Terms of Use is governed by the laws of every state. without regard to conflicts of laws principles. You hereby consent to the exclusive jurisdiction and venue of courts sitting in all states in all disputes arising out of or relating to accessing or using of Mark A. Bernstein. Access or use of Mark A. Bernstein is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.

You agree that no joint venture, partnership, employment, or agency relationship exists between you and Mark A. Bernstein as a result of the Terms of Use or accessing or using Mark A. Bernstein. Mark A. Bernstein’s performance under the Terms of Use is subject to existing laws and legal process, and nothing contained in the Terms of Use is in derogation of Mark A. Bernstein’s right to comply with governmental, court and law enforcement requests or requirements relating to your access or use of Mark A. Bernstein or information provided to or gathered by Mark A. Bernstein with respect to such use.

Interpretation of the Terms of Use

If any part of the Terms of Use is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations contained herein, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Terms of Use shall continue in effect. Unless otherwise specified herein (or in any other definitive written agreement between you and Mark A. Bernstein), the Terms of Use constitutes the entire agreement between you and Mark A. Bernstein with respect to Mark A. Bernstein and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Mark A. Bernstein with respect to Mark A. Bernstein. A printed version of the Terms of Use and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to the Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Disclaimer of Warranties


All materials on Mark A. Bernstein (as well as the organization and layout of Mark A. Bernstein) are owned and copyrighted or licensed by Mark A. Bernstein, its corporate affiliates or its third-party vendors. © Mark A. Bernstein 2015 all rights reserved. No reproduction, distribution, or transmission of the copyrighted materials on Mark A. Bernstein is permitted without the written permission of Mark A. Bernstein. Any rights not expressly granted herein are reserved.

Pursuant to Title 17, United States Code, Section 512, notifications of claimed copyright infringement should be sent to Mark A. Bernstein’s Designated Agent set forth below. All inquiries must be filed in accordance with Title 17, United States Code, Section 512.