Terms of Service

The legal agreements set out below (the “Terms”) govern your use of the Memopad.pro website and related services (the “Site” or “Service”) offered by Memopad LLC (“we,” “us,” or Memopad). By using the Service, you represent that (a) you have read and accept these Terms; (b) you are at least 18 years old; and (c) if you are using the Service as a representative of a company or other legal entity, you have the authority to enter into agreements on such entity’s behalf. Your continued use of the Service means that you accept any new or modified Terms. These Terms are subject to change at any time, but Memopad will post a notice on this website of any material changes. Check back regularly.

1. Registration

Except as expressly provided in these Terms of Service, members may only maintain one active registration with Memopad. Any use of multiple accounts or aliases on our Site, including attempts to mislead, defraud, confuse or otherwise trick us or our members, is a breach of these Terms of Service.

You will be asked to create a user name and password, which you'll need to access the Site.

As a registered member, you can update your account settings, including your email address, by going to the profile tab. There, you can also change your password at any time. Also, if you forget either your password or user name, you can send an email to [email protected] for help.

2. Membership

When becoming a member on Memopad you will need to provide us with your name and email address. You certify that all information you provide is accurate. You also agree to maintain and update your information as necessary so that it remains accurate and current. In the event that any information you provide is inaccurate or not up-to-date, Memopad reserves the right to cancel your membership. You are responsible for the security and confidentiality of the account information you provide to us. You agree to use your best efforts to prevent unauthorized access to or use of the Service, including by maintaining a strong password and keeping your passwords and other membership information for the Service confidential. You agree to monitor and control all activity conducted through your membership account and to notify us promptly if you become aware of or suspect any security breach regarding your account.

3. Premium Membership

For premium memberships or services Memopad may charge a fee. These membership or service offers may provide a free trial or introductory offer. If such an offer is provided, only one per household or email address is allowed at any given point in time. In addition, there is a limit of one trial per person and per email address in any given six-month period unless otherwise stated in the offer.

If you don't cancel your membership within the trial or introductory offer period, we will charge the credit card you provided during the sign-up process. You agree to pay the applicable subscription fee as set forth on this Site. Memopad reserves the right to increase a membership's fees or institute new charges upon reasonable notice. Premium membership fees are due in advance. You may cancel your membership at any time and receive a pro-rated refund by emailing [email protected]

From time to time, Memopad may offer premium services through third party vendors. In such cases, the vendor’s refund policy would apply and may differ from Memopad's standard policy.

Your premium membership will automatically renew for the monthly, quarterly, annual or other subscription period you originally signed up for, until you notify us of your decision to terminate your membership. Accordingly, you agree that your membership fee or subscription will be billed automatically at the beginning of each renewal period at the then-current rate to the credit card you used in your most recent transaction with us. You may cancel your membership at any time and receive a pro-rated refund. You are responsible for paying all taxes on all fees that you pay to us. Local taxes may differ based on your payment method.

4. Intellectual Property

Through the Service, you will have access to Content (as defined below) owned or licensed by Memopad that is protected by copyright, trademark, patent, trade secret and other laws. By "Content" we mean any information, mode of expression, or other media or materials found on the Site or provided through the Service, including blogs, podcasts, chats, software, writings, and graphics. Memopad retains all rights to its Content, and your permission to use the Service under these Terms does not convey any additional right or ownership in connection with Memopad's Content.

You own the Content that you make provide to Memopad or otherwise make available through the Service. You grant to Memopad a non-exclusive, worldwide, perpetual, irrevocable, transferable, sublicensable, royalty-free license to use such Content in connection with providing, developing, or improving the Service. When you provide Content to Memopad through the Service, you are stating to us that you have the right to make said Content available through the Service and to grant Memopad the license set forth above. You agree not to display any of Memopad's trademarks or use them in any manner without our express written permission.

5. Conduct

You agree to use the Service for lawful purposes only. You may not use or allow others to:

a. Post or transmit any content that is disruptive, uncivil, abusive, vulgar, profane, obscene, hateful, fraudulent, threatening, harassing, defamatory, or which discloses private or personal matters concerning any person;
b. Post or transmit any material that you don't have the right to transmit under law (such as material restricted by copyright, trade secret, or securities laws) or under contractual or fiduciary relationships (such as nondisclosure agreements);
c. Post, transmit, or link to sexually explicit material;
d. Impersonate any person, or falsely state or otherwise misrepresent your affiliation with a person or entity;
e. Post or transmit any advertising, promotional materials, or other forms of solicitation, including chain letters and pyramid schemes;
f. Violate any applicable law or regulation while accessing and using our sites, including, without limitation, the rules and regulations of the U.S. Securities and Exchange Commission and the national or other securities exchanges (especially and including the rule against making false or misleading statements to manipulate the price of any security);
g. Offer, sell, or buy any security;
h. Post or transmit any file that contains viruses, corrupted files, "Trojan Horses", or any other contaminating or destructive features that may damage someone's computer;
i. Forge headers or manipulate identifiers or other data in order to disguise the origin of any Content transmitted through the Service or to manipulate your presence on the Site;
j. Scrape our Content or otherwise use any automated means, including without limitation, agents, robots, scripts, or spiders, to access, monitor, copy or harvest data from any part of our Service;
k. Take any action that imposes an unreasonably or disproportionately large load on our infrastructure or disrupts the functioning of our Service;
l. Take any action that damages or disrupts the functioning of our systems or Service;
m. Access the Service in order to build a similar or competitive product or service or copy any ideas, features, functions, or graphics of the Service
n. Access the Service by any means other than through the interfaces we provide for use in our accessing our sites.

In addition to the rules above, you agree to comply with the terms of service or any similar agreement published by any third-party service to which you connect through the Memopad Service, including any social networking sites supported by the Service.

Memopad may at any time, without prior notice and at our sole discretion, remove any post, terminate any membership, or take any other action in response to violation of the above rules. In the event of termination of a premium membership, you will receive a pro-rated refund.
You agree to defend, indemnify, and hold harmless Memopad from and against any claims arising from your breach of these Terms. Memopad reserves the right to assume the exclusive defense and control of any matter which is subject to indemnification under this section, in which case you agree to cooperate with any reasonable requests to assist Memopad’s defense of such matter.

6. Disclaimer of Warranties and Liabilities

Memopad is not an investment advisor and cannot provide personalized advice. We can't know all the relevant facts about you and your individual needs, and we cannot claim or represent that any particular services are suitable for you. If you want personal advice, then you should seek a registered investment advisor.

Memopad does not warrant the completeness or accuracy of the Content found on our Site or its usefulness for any particular purpose. Memopad makes no promises that our Content or the Service will be delivered to you on an uninterrupted, timely, secure, or error-free basis. In fact, we're not making any promises or warranties except that we'll do our best to provide interesting and helpful information, education, and entertainment.

By using the Service you agree that under no circumstances will Memopad, its employees, or its agents be liable for direct, indirect, incidental or any other type of damages resulting from your use or downloading of any material on our sites, even if we have been advised of the possibility of such damages occurring. This includes, but is no way limited to, loss or injury caused in whole or in part by our negligence or by circumstances beyond our control in creating or delivering the Service.

By your use of the Service, you're agreeing that you bear responsibility for your own investment research and investment decisions. You also agree that Memopad its directors, its employees, and its agents will not be liable for any investment decision made or action taken by you and others based on news, information, opinion, or any other material published through our Service. But we can't and won't take responsibility for, or make any claims or representations about, the accuracy, completeness, or veracity of data, information, and opinion provided through our site. All information and content provided on or by Memopad is to be used on an "as is, with all faults" basis.

Disclaimers of Liability:

NEITHER Memopad NOR ANY OF OUR PARTNERS MAKES ANY WARRANTY THAT THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL THAT YOU PURCHASE OR OBTAIN FROM THE USE OF OUR SERVICES WILL MEET YOUR EXPECTATIONS OR THAT ANY ERRORS WILL BE IMMEDIATELY CORRECTED. NEITHER WE NOR ANY OF OUR PARTNERS MAKES ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO OUR WEBSITES, ANY CONTENT, OR ANY OF OUR SERVICES, TOOLS, PRODUCTS, OR PROPERTIES. YOU EXPRESSLY AGREE THAT YOU WILL ASSUME THE ENTIRE RISK AS TO THE QUALITY AND THE PERFORMANCE OF OUR SERVICES AND THE ACCURACY OR COMPLETENESS OF THEIR CONTENT.

SOME STATES DO NOT ALLOW EXCLUSION OF IMPLIED WARRANTIES OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. IN SUCH STATES, OUR LIABILITY AND THAT OF OUR THIRD-PARTY CONTENT PROVIDERS WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

7. Communication

Federal or state law may require that we notify you of certain events. You hereby acknowledge and consent that such notices will be effective upon our posting them on our websites or sending them to you via email. If you do not provide us with accurate information, we cannot be held liable if we fail to notify you.

8. General

If any provision in these Terms is found to be invalid or unenforceable the remaining provisions will continue in full force and effect. You may not assign your rights under these Terms to anyone else. We may assign our rights to any other individual or entity. These Terms will be governed by the laws of the United States of America and the State of Illinois. You agree that the proper forum for any claim arising there under will be the U.S. Court for the Northern District of Illinois or the appropriate Illinois court.
All personal data is maintained in the United States under the terms of our Privacy Policy, which is also incorporated by reference.

This document was last updated on January 1, 2022