Terms of use
Welcome to the WFGReview.com site ("this site"). This site is operated by World Financial Group, Inc. ("we" or "WFG"). By visiting this site, you are agreeing to the terms listed on this page and the Privacy Statement ("Terms") that follows, whether or not you are a user of this site. The Terms are important. You should read and understand them before using this site.
1. Discussion forums and material on this site
This site contains areas where you can submit your own views and access other users' views ("Forums"). We encourage you to use the Forums to submit your views and learn about others' views. Of course, there are some rules about how you use this forum and the materials you submit to it. In using any Forum, and this site in general, you must not:
- Submit or transmit to this site, or use in any email to a third party, any material that is unlawful, threatening, defamatory, pornographic, inflammatory, menacing, or offensive, or which otherwise inhibits other users from using or enjoying the Forum or this site;
- Submit or transmit to this site, or use in any email to a third party, any material that infringes or violates another person's rights (including intellectual property rights) or privacy, or misuses another person's confidential information;
- Submit or transmit to a Forum, or use in any email to a third party, unsolicited commercial electronic messages, or solicit other users to buy or sell products or services or donate money;
- Impersonate another person (for example, by pretending to be someone else when you submit a contribution to a Forum, or send an email) or by using another's registration identifier without permission;
- Tamper with, hinder the operation of, or make unauthorized modifications to the Forum or this site;
- Knowingly transmit any virus or other disabling feature to or via the Forum, or use in any email to a third party, or this site;
- Attempt to do any of these things or permit another person to do any of these things.
Your use of a Forum is also subject to any additional terms presented to you when you submit material to that Forum. We may edit, refuse to post or remove any material submitted to a Forum without notice to you, in whole or in part, that we think breaches any of the rules set out above, or which is not, in our view, otherwise appropriate for the Forum. We are not, however, obliged to monitor, edit, filter or remove material submitted and posted to a Forum. This site is intended to be a venue for open discussion and debate. We do not necessarily agree with the views expressed in any submission or other materials provided to a Forum, and we are not responsible for the content of any material posted to a Forum. We make no claims that the content of material in a Forum, or otherwise on this site, is correct, reliable or complete. You should make your own enquiries before acting upon or relying on the information or material on this site.
2. Intellectual property
The material available on this site, including papers, articles, speeches and other submissions posted to a Forum, the software, design, text and graphics comprised in this site, and the selection and layout of this site is either owned or licensed by us, and is protected by copyright under the laws of the United States of America and other countries. We take intellectual property seriously.
We grant you permission to:
- View this site using your web browser and to save an electronic copy of this site solely in the usual operation of your web browser in visiting this site; and
- Use the material on this site for the purposes of genuine research, study, criticism, review or discussion.
You may not otherwise use, copy, frame, publish, publicly perform, communicate, adapt, sell or sublicense any of the material on this site, except as permitted by statute or with our written consent.
This site also includes registered trademarks and service marks which are the subject of pending applications or which are otherwise protected by law including, but not limited to “World Financial Group” and the WFG logo. You may not use these trademarks or the name of any of our related companies as trademarks.
This site may contain links to third party sites. The links are provided only for your convenience and do not indicate, expressly or impliedly, any endorsement by WFG of the linked sites or the products or services provided at the linked sites. If you access those sites, or purchase or use any products and services made available at those sites or from sites linked to those sites, you do so at your own risk.
By submitting material to a Forum, you:
- Grant us a perpetual, royalty-free, non-exclusive, irrevocable worldwide license to use, copy, publish, publicly perform, communicate and adapt that material, and to sublicense those rights through the operation of the this site; and
- Agree to its public disclosure.
The license granted in this section 2 will survive the termination of this agreement for any reason.
3. Our liability to you
Given the nature of the Internet, we cannot guarantee that this site will always be available or fault or virus free.
The terms that apply to the supply of this site are those that are expressly set out or incorporated in this document and those implied by consumer protection laws to the supply of this service that are unable to be excluded. No other terms apply. Subject to the express exclusions we make below, we accept our liability to you for breach of contract or negligence under principles applied by the courts.
We are not responsible for:
- Loss caused by factors which could reasonably be considered to be outside our control such as faults in third party equipment;
- Loss of data or loss of profits or revenue; and
- Any loss to the extent that it is caused by you, for example, through your negligence or breach of contract.
4. Notice
Any notice we give you under these Terms (for example, about a change of the Terms) will be made by posting the notice to this site. Notice is deemed to be given when we post it to this site. You should review this site regularly to read these notices.
Privacy statement
Protecting Your Privacy
This privacy statement only relates to the www.wfgreview.com site ("this site"). This site may contain links to other web sites. This privacy statement does not relate to these other web sites, and references to "personal information" in this privacy statement only refer to personal information collected through this site. You should check each web site for its own privacy statement (even if the site is owned or operated by us).
How we collect personal information
We collect information from you when you communicate with us about or in connection with this site.
Examples of information that we may collect include your name, website, the country where you live, and e-mail address.
How we use your personal information
Your personal information may be used to verify your identity, communicate with you regarding this site, inform you of new discussions, materials, information, news, site features and events relating to this site. If you choose not to provide certain personal information (e.g. your contact details), we may not be able to do these things.
Your personal information will not be used to market to you any of our other services or products, unless we are entitled to independently of our interaction with you in relation to this site.
When we disclose your personal information
We may disclose your personal information to other organizations in some cases. Your personal information will be disclosed to these organizations in relation to the operation, administration and maintenance of this site.
We take reasonable steps to ensure that these organizations are bound by confidentiality and privacy obligations in relation to the protection of your personal information.
This site
When you visit this site, its web servers may record information such as the time, date and URL and IP address of your request. This information assists us to improve the structure of our web sites and monitor their performance.
WFG may also collect Internet Protocol (IP) addresses. IP addresses are assigned to computers on the internet to uniquely identify them within the global network.
WFG may collect and manage IP addresses as part of the service of providing internet session management and for security purposes.
Help us to ensure we hold accurate information
We take all reasonable precautions to ensure that the personal information we collect, use and disclose is accurate, complete and up-to-date. However, the accuracy of that information depends to a large extent on the information you provide.
How to contact us
If you have any questions in relation to privacy, please contact us via email at admin@wfgsports.com.
The license granted in this section 2 will survive the termination of this agreement for any reason.
Our liability to you
Given the nature of the Internet, we cannot guarantee that this site will always be available or fault or virus free.
The terms that apply to the supply of this site are those that are expressly set out or incorporated in this document and those implied by consumer protection laws to the supply of this service that are unable to be excluded. No other terms apply. Subject to the express exclusions we make below, we accept our liability to you for breach of contract or negligence under principles applied by the courts.
We are not responsible for:
- loss caused by factors which could reasonably be considered to be outside our control such as faults in third party equipment;
- loss of data or loss of profits or revenue; and
- any loss to the extent that it is caused by you, for example, through your negligence or breach of contract.
4. Notice
Any notice we give you under these Terms (for example, about a change of the Terms) will be made by posting the notice to this site. Notice is deemed to be given when we post it to this site. You should review this site regularly to read these notices.
Privacy statement
Protecting Your Privacy
This privacy statement only relates to the http://www.wfgreview.com/ site (“this site”). This site may contain links to other web sites. This privacy statement does not relate to these other web sites, and references to "personal information" in this privacy statement only refer to personal information collected through this site. You should check each web site for its own privacy statement (even if the site is owned or operated by us).
How we collect personal information
We collect information from you when you communicate with us about or in connection with this site.
Examples of information that we may collect include your name, website, the country where you live, and e-mail address.
How we use your personal information
Your personal information may be used to verify your identity, communicate with you regarding this site, inform you of new discussions, materials, information, news, site features and events relating to this site. If you choose not to provide certain personal information (e.g. your contact details), we may not be able to do these things.
Your personal information will not be used to market to you any of our other services or products, unless we are entitled to independently of our interaction with you in relation to this site.
When we disclose your personal information
We may disclose your personal information to other organizations in some cases. Your personal information will be disclosed to these organizations in relation to the operation, administration and maintenance of this site.
We take reasonable steps to ensure that these organizations are bound by confidentiality and privacy obligations in relation to the protection of your personal information.
This site
When you visit this site, its web servers may record information such as the time, date and URL and IP address of your request. This information assists us to improve the structure of our web sites and monitor their performance.
WFG may also collect Internet Protocol (IP) addresses. IP addresses are assigned to computers on the internet to uniquely identify them within the global network.
WFG may collect and manage IP addresses as part of the service of providing internet session management and for security purposes.
Help us to ensure we hold accurate information
We take all reasonable precautions to ensure that the personal information we collect, use and disclose is accurate, complete and up-to-date. However, the accuracy of that information depends to a large extent on the information you provide.
How to contact us
If you have any questions in relation to privacy, please contact us via email at wfgmedia@aegonusa.com.
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