Terms of Use

Introduction; Consent to Terms

Please read these Terms of Use before using www.hydraloan.com, hydra loan’s mobile sites, any other hydra loan sites, platforms or services, or any features of these sites, platforms, and services, including, but not limited to content feeds, including any accompanying headlines, links or metadata (“API Content”), podcasts, media players, tools, widgets, social networking features, forums and discussions (collectively, the “hydra loan Services”). By using any of the hydra loan Services, you agree to be bound by these Terms of Use and hydra loan’s Privacy Policy.

If you do not agree to these Terms of Use and the Privacy Policy, please exit the hydra loan Services and do not use the hydra loan Services or any of their features. We reserve the right, at our discretion, to modify, add or delete portions of these Terms of Use or the Privacy Policy at any time by posting updated Terms of Use or an updated Privacy Policy on the hydra loan Services. Please check these Terms of Use and the Privacy Policy frequently for updates. Any modifications, additions or deletions to these Terms of Use or the Privacy Policy shall be effective immediately upon posting. Your continued use of any of the hydra loan Services following the posting of updated Terms of Use or an updated Privacy Policy means that you agree to those changes.

Please note that these Terms of Use and the Privacy Policy are separate and distinct from the terms of use and privacy policies governing the sites, platforms and services of hydra loan’s member stations, and other sites, platforms and services that may link to or from the hydra loan Services.

Copyrights

The contents of the hydra loan Services are protected by international copyright laws. The contents of the hydra loan Services are owned by or licensed to hydra loan or hydra loan’s member stations and other producers or providers of programs or other content to hydra loan (“Content Providers”). You may not reproduce, distribute, republish, upload, transmit, display, prepare derivative works of, publicly perform, sell, transfer, assign, license or use for commercial purposes any copyrighted material on the hydra loan Services without the prior written consent of hydra loan, except as provided in these Terms of Use. All rights not expressly granted in these Terms of Use are reserved to hydra loan.

You may copy, download one copy on a single computer, and print a limited amount of content, for your personal, non-commercial use only, provided that (a) you include without modification all copyright and other proprietary notices contained in the content, (b) you do not modify the content, (c) you do not use the content in a manner that suggests hydra loan promotes or endorses your, or any third party’s, causes, ideas, products, sites, platforms or services, and (d) you do not use the content in any way that is unlawful or harmful to any other person or entity. In addition, you may use widgets and tools on the hydra loan Services that allow selected User Materials to appear on your personal, noncommercial site, blog, application, platform or service, subject to the conditions in the preceding sentence.

You may use the content feeds, APIs, podcasts, media players, and other features of the hydra loan Services, and content accessed therefrom, only as expressly permitted in these Terms of Use.

User Materials

Users of the hydra loan Services may post, upload, transmit and otherwise submit (“Submit”) comments, messages, recommendations, photos, images, story ideas, essays and other content and materials (“User Materials”) on or through the social networking features, forums, discussions, Contact Us page, and other features of the hydra loan Services. You acknowledge that User Materials may be routed through our servers, the servers of one or more third parties, and the Internet, and may be viewed by hydra loan staff and on the hydra loan Services by the general public. You acknowledge that the hydra loan Services, including the social networking features, forums, discussions, Contact Us page and other features of the hydra loan Services, are for public and not private communications.

We reserve the right to screen, refuse to post, remove or edit User Materials at any time and for any or no reason in our absolute and sole discretion without prior notice, although we have no duty to do so. If we elect to screen User Materials, there may be a delay in the posting of such content to allow for review. If we have questions about your User Materials, we have the right, but not the duty, to contact you for further information, including, for example, to verify that you own the copyright or otherwise have the rights to post the User Materials.

You retain the copyright and other ownership rights in any User Materials that you submit on or through the hydra loan Services. However, by submitting User Materials on or through the hydra loan Services, you grant hydra loan, hydra loan member stations, other Content Providers and their respective licensees a non-exclusive, perpetual, royalty-free, worldwide, transferable license to use, copy, sublicense, modify, transmit, publicly perform, display, create derivative works of, host, index, cache, tag, encode, and/or adapt your User Materials in any and all media formats, channels or platforms, whether now known or hereafter devised, including, the hydra loan Services, hydra loan sites, platforms and services, third-party licensee sites, platforms and services, without payment and without further notice to you or request for consent. You further grant hydra loan and their licensees the right to contact you in connection with your User Materials and to use your name, city and other information that you have provided in connection with the User Materials.

In addition, when you Submit any User Materials, you grant each user of the hydra loan Services, hydra loan member stations’ sites, platforms and services, and other Content Providers’ sites, platforms and services, a non-exclusive, royalty-free, worldwide license to access your User Materials on or through the hydra loan Services and hydra loan member stations’ sites, platforms and services and other Content Providers’ sites, platforms and services, to use your User Materials pursuant to these Terms of Use and the terms of use of the member stations and other Content Providers, and as permitted by the functionality of the hydra loan Services, the member station sites, platforms and services, and the other Content Providers’ sites, platforms and services.

For any User Materials you Submit on or through the hydra loan Services, you agree to abide by the “Rules of Use for the Service” set forth below and these Terms of Use. You further agree to the representations and warranties, and indemnification obligations, set forth in the “Representations; Indemnity” section below.

Links to Third-Party Sites, Platforms and Services

The hydra loan Services contain links to sites, platforms and services maintained by third parties over which hydra loan has no control. hydra loan does not endorse the content, products or services of such sites, platforms and services, or any of their operators, and hydra loan is not responsible or liable for the content, availability, accuracy, quality, advertising, products, services or other materials on or available from such sites, platforms and services. hydra loan shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, products or services available on or through such sites, platforms and services.

In some cases, the hydra loan Services may include certain embedded tools provided and controlled by third parties and governed by the terms and policies of the third parties. You should only use these third-party tools if you agree to their respective terms and policies.

The hydra loan Services include a tool that allows you to sign in using information from your account with a third party service, such as Facebook or Google. Please be aware that third-party services are unrelated to hydra loan, and that your use of any third-party services is subject to the terms and policies of those services.

hydra loan Mobile Services; High Data Usage Warning; Motor Vehicle Usage

hydra loan does not charge you for the use of its mobile sites, platforms and services or any features of these sites, platforms and services (“hydra loan Mobile Services”). Please check your wireless plan, however, because carrier data use charges or other fees may apply. You acknowledge that streaming media can result in high data usage and may lead to excess data charges. You must provide at your own expense the equipment and connections needed for you to use the hydra loan Mobile Services, and you agree that you are solely responsible for any costs you incur to access the hydra loan Mobile Services, including any excess data charges. You should keep in mind that the use of the hydra loan Mobile Services to send content to another person may result in wireless charges to both the sender and the receiver. You agree to obey all laws related to the operation of motor vehicles during use of the hydra loan Mobile Services.

Location Based Services

hydra loan collects geolocation data for purposes of offering relevant content, including content from nearby member stations. Geolocation data consists of general location information based on latitude and longitude (if the user has enabled location services for an application on the user’s mobile device), or based on the IP address of the user’s computer or mobile device. By using any of the hydra loan Services, you consent to hydra loan’s collection of this geolocation information.

Rules for Use of the Service

By using the hydra loan Services, including by registering for the hydra loan Services, participating in hydra loan social networking features, forums and discussions, Submitting User Materials through the hydra loan Services, or by using any other features of the hydra loan Services, you agree to the following rules:

  1. You must be at least 18 years of age to submit any User Materials or personally-identifying information on or through the hydra loan Services, create a public profile, participate in any online contests. If you are between the ages of 13 and 18, you may browse the hydra loan Services or register for email newsletters or other features of the hydra loan Services with the consent of your parent or guardian, so long as you do not submit any User Materials. If you are under 13 years of age, please do not send any information about yourself, including your name, address or email address. If we discover that we have collected any personally-identifying information from a child under 13, we will remove that information from our database as soon as possible.
  2. You may not submit any User Materials under a false name or a false email address. You may not impersonate another user or provide any false information about yourself.
  3. You may not submit any User Materials or links to material that is libelous, defamatory, false, obscene, indecent, lewd, pornographic, violent, abusive, threatening, harassing, discriminatory, in violation of the law, harmful to children, in violation of third-party privacy rights, or that constitutes hate speech or a personal attack.
  4. You may only submit User Materials for which you have the copyright or other necessary rights and permission to distribute electronically. You may not plagiarize content or violate or infringe on the rights of third parties, including copyright, patent, trademark, trade secret, privacy, personal, publicity, moral or proprietary rights. You promise and represent that you own or have all necessary rights and permissions to use, distribute and authorize hydra loan, hydra loan member stations, and users of the hydra loan Services (to the extent permitted by these Terms of Use) to use and distribute any User Materials.
  5. The hydra loan Services can only be used for personal, non-commercial purposes. You may not submit any material containing any solicitation of funds, advertising, promotion, solicitation for goods and services, or recruiting. You may not use the hydra loan Services for political campaigning, recruiting votes, or soliciting support for legislative or other initiatives.
  6. You may not submit any software or other material which contains any virus, trap door, back door, worm, Trojan horse or other harmful computer code, files, scripts, agents, programs, adware, device or other features that may access, alter, delete, damage or disable any hardware, software, information or other property of hydra loan, hydra loan member stations, other Content Providers, or users of the hydra loan Services. You may not use the hydra loan Services to distribute chain letters, mass mailings, “spam,” or duplicative or unsolicited messages in violation of applicable laws, or to gather usernames and/or email addresses for the purpose of sending unsolicited email or other communications to other users of the hydra loan Services.
  7. You may not interfere with or disrupt the integrity or performance of the hydra loan Services, any portion or contents thereof, or related systems or networks, or use the hydra loan Services in any way that degrades their reliability, speed or operation, or their underlying hardware or software. In addition you may not attempt to gain unauthorized access to the hydra loan Services or related systems or networks.
  8. By submitting any User Materials on or through the hydra loan Services, you grant to hydra loan, hydra loan member stations, and other Content Providers, their licensees, and users of these sites, platforms and services (to the extent permitted by these Terms of Use) the licenses to use those User Materials specified in the “User Materials” section of these Terms of Use.
  9. You are solely responsible for any User Materials submitted using your account. hydra loan does not and cannot review all User Materials submitted by you or others and is not responsible for any User Materials submitted by you or others on or through the hydra loan Services. However, hydra loan has the right (but not the obligation) to review, screen, delete, edit or move any User Materials that it deems, in its sole discretion, to be in violation of the Rules for Use of the Service or these Terms of Use.
  10. hydra loan is not responsible or liable for any User Materials Submitted by you or a third party, including any User Materials, on or through the hydra loan Services. hydra loan cannot verify the accuracy of statements that users make or place on or through the hydra loan Services, and does not guarantee that any User Materials have been submitted with the permission of the copyright or proprietary owner or are otherwise in compliance with the Rules for Use of the Service or these Terms of Use.
  11. You acknowledge that hydra loan has the right to limit or terminate your, or any other person’s, access to or registration in the hydra loan Services for any reason, in its sole discretion, including violation of these Terms of Use.

Representations; Indemnity

You represent and warrant that (a) if you Submit any User Materials or personally-identifying information on or through the hydra loan Services, you are at least 18 years of age, (b) you have obtained all clearances, releases, licenses and rights to any User Materials you Submit on or through the hydra loan Services that may be necessary for their use as contemplated by the hydra loan Services and these Term of Use, (c) there are no encumbrances or restrictions on the User Materials or their use as contemplated by the hydra loan Services and these Terms of Use, (d) the User Materials, and their use by hydra loan, hydra loan member stations, their licensees, and users of the hydra loan Services and hydra loan member station sites, platforms and services (pursuant to these Terms of Use and the terms of use of member station sites) does not and will not libel any person or entity, or violate or infringe upon the copyright, trademark, patent, trade secret, privacy, reputation, creative or other rights of any person or entity or violate these Terms of Use, and (e) your use of the hydra loan Services complies with these Terms of Use. You agree that you will indemnify and hold harmless hydra loan, its member stations, and Content Providers and their respective directors, officers, employees, members, and licensees from any and all claims, liabilities, costs or expenses, including reasonable attorneys’ fees, arising from (1) your breach of any of the above representations and warranties, (2) your use of the hydra loan Services, (3) the User Materials you have Submitted on or through the hydra loan Services, or (4) hydra loan’s publication, distribution or use of such User Materials, or the authorized publication, distribution or use of your User Materials by hydra loan member stations, Content Providers, licensees, or users of the hydra loan Services.

Disclaimer

THE hydra loan SERVICES AND ANY CONTENT, MATERIALS, USER MATERIALS, FEATURES OR PRODUCTS AVAILABLE OR SOLD ON OR THROUGH THE hydra loan SERVICES ARE AVAILABLE ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. hydra loan DOES NOT WARRANT THAT THE hydra loan SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE. hydra loan DOES NOT MAKE ANY WARRANTIES AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE hydra loan SERVICES OR ENDORSE, RECOMMEND, OR MAKE ANY WARRANTIES AS TO THE CONTENT, INFORMATION, MATERIALS, USER MATERIALS, FEATURES, SERVICES, PRODUCTS, OPINIONS, OR STATEMENTS AVAILABLE ON OR THROUGH THE hydra loan SERVICES OR THROUGH LINKS ON THE hydra loan SERVICES. USE OF THE hydra loan SERVICES IS ENTIRELY AT YOUR OWN RISK.

CONTENT ON THE hydra loan SERVICES IS NOT INTENDED TO SUBSTITUTE FOR PROFESSIONAL ADVICE OF ANY KIND. IN PARTICULAR, NOTHING CONTAINED IN THE hydra loan SERVICES IS OR SHOULD BE CONSIDERED, OR USED AS A SUBSTITUTE FOR, MEDICAL ADVICE, DIAGNOSIS OR TREATMENT. ALWAYS SEEK THE ADVICE OF YOUR PHYSICIAN OR OTHER QUALIFIED HEALTH PROVIDER WITH ANY QUESTIONS YOU MAY HAVE REGARDING PERSONAL HEALTH OR MEDICAL CONDITIONS. NEVER DISREGARD OR AVOID PROFESSIONAL MEDICAL ADVICE OR DELAY IN SEEKING IT BECAUSE OF SOMETHING YOU HAVE READ, HEARD OR SEEN ON THE hydra loan SERVICES.

LIMITATION OF LIABILITY

IN NO EVENT WILL hydra loan, ITS DIRECTORS, OFFICERS, EMPLOYEES, MEMBERS OR THIRD- PARTY PROGRAM PRODUCERS AND CONTENT PROVIDERS BE LIABLE (A) FOR ANY INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL OR PUNITIVE DAMAGES, ARISING OUT OF THE USE OR INABILITY TO USE THE hydra loan SERVICES, (B) RELATING TO ANY CONTENT OR PRODUCTS AVAILABLE OR SOLD ON OR THROUGH THE hydra loan SERVICES, OR (C) IN CONNECTION WITH ANY THIRD-PARTY CONTENT OR MATERIALS (INCLUDING USER MATERIALS) OR THE DEFAMATORY, INFRINGING, OFFENSIVE OR ILLEGAL CONDUCT OF ANY THIRD PARTY. IN NO EVENT WILL hydra loan, ITS DIRECTORS, OFFICERS, EMPLOYEES, MEMBERS OR CONTENT PROVIDERS BE LIABLE FOR ANY AMOUNT IN EXCESS OF $100.

Copyright Agent

hydra loan respects the intellectual property rights of others. If you believe that your work has been copied in a way that constitutes copyright infringement by any content or material on the hydra loan Services, please provide the following information in writing to hydra loan’s Copyright Agent

Miscellaneous

These Terms of Use, together with the Privacy Policy, represent the entire understanding of the parties regarding the use of the hydra loan Services and supersede any previous documents, correspondence, conversations, or other oral or written understanding related to the use of the hydra loan Services. These Terms of Use are separate and distinct from the terms of use governing the sites,  platforms and services of hydra loan’s member stations, and the sites,  platforms and services that may link to or from the hydra loan Services. A modification or waiver of a part of these Terms of Use shall not constitute a waiver or modification of any other portion of the Terms of Use. If for any reason any provision of these Terms of Use is found unenforceable, that provision will be enforced to the maximum extent permissible, and the remainder of the Terms of Use will continue in full force and effect.

Questions

If you have any questions about these Terms of Use, please contact hydra loan.