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You acknowledge and agree that if you make such disclosures either through posting on any bulletin board, forum, blogspace, message, comment section, or chat area, or uploading text, images, audio files or other audio-visual content, in classified advertising you place or in other interactive areas, or to third parties in any communication, you do so fully understanding that such information could be used to identify and contact you. Any decisions as to whether User Content violates any posting rule set forth in these Terms will be made by us in our sole discretion and after we have actual notice of such posting.When you provide User Content, you agree to the following rules: Do not provide User Content that: WARNING: A VIOLATION OF THESE POSTING RULES MAY BE REFERRED TO LAW ENFORCEMENT AUTHORITIES.You waive all moral rights with respect to any User Content you Provide to the Site.

If you believe someone has accessed the Site using your registration account and password without your authorization, e-mail us immediately at [email protected] By placing material on the Site, including but not limited to posting content or communications to any Site bulletin board, forum, blogspace, message or chat area, or posting text, images, audio files, video clips, or any audio-visual content to the Site (collectively, “User Content”), you represent and warrant: (1) you own or otherwise have all necessary rights to the User Content you provide and the rights to provide it under these Terms; and (2) the User Content will not cause injury to any person, group or entity. For all User Content you post, upload, or otherwise make available (in this section – “Provide”) to the Site, you grant PBCI a worldwide, royalty-free, perpetual, irrevocable, non-exclusive right and fully sub-licensable, assignable and transferrable license to use, copy, reproduce, distribute, publish, publicly perform, publicly display, modify, adapt, translate, archive, store, and create derivative works from such User Content, in whole or in part, in any form, format, or medium, of any kind now known or later developed.

Without limiting the generality of the previous sentence, you authorize PBCI to: (i) share the User Content across all websites, mobile applications, publications and other online and offline services affiliated with PBCI; (ii) include the User Content in a searchable format accessible by users of the Site and other PBCI websites, mobile applications, publications and other online services; (iii) place advertisements in close proximity to such User Content; and (iv) use your name, likeness and any other information you Provide in connection with our use of the material you Provide.

In certain cases, you may be able to use individual stories, articles, images, or video that appear on the Site through online functionality we have specifically designated (e.g., to email a story to a friend or to purchase the rights to reproduce a story for other use). Registration is not required to view certain Content.

However, to use some parts of the Site — including without limitation, if you wish to post a comment or upload a photo or video, or view certain other Content — you may be required to register or subscribe and provide certain information about yourself.

You shall notify us immediately upon becoming aware of the commission by any person of any restricted uses of the Site by sending an email to [email protected], and you shall provide us with reasonable assistance in any investigations we conduct in light of the information you provide in this respect.

You acknowledge that we have no obligation to monitor any users’ access to or use of the Site, or to review or edit any Content or User Content, but we have the right to do so in our sole discretion: (i) for the purpose of operating and improving the Site (including without limitation for fraud prevention, risk assessment, investigation and customer support purposes); (ii) to ensure your or another user’s compliance with these Terms; (iii) to comply with applicable law or the order or requirement of a court, administrative agency or other governmental body; or (iv) to address content that we determine is otherwise objectionable or violates these Terms.However, neither the Site nor PBCI is responsible for the similarity of any of its content or programming in any media to materials or ideas provided to the Site.If you do transmit unsolicited submissions to us through the Site or otherwise, you grant PBCI a worldwide, royalty-free, perpetual, irrevocable, non-exclusive right and fully sub-licensable, assignable and transferrable license to use, copy, reproduce, distribute, publish, publicly perform, publicly display, modify, adapt, translate, archive, store, and create derivative works from such submissions, and you understand and agree that such submissions may be adapted, broadcast, changed, copied, disclosed, licensed, performed, posted, published, sold, transmitted, or otherwise used as PBCI sees fit. IT WILL NOT BE VIEWED AND IT WILL BE DELETED IMMEDIATELY. You acknowledge that the Site and/or its designees may or may not pre-screen User Content, and shall have the right (but not the obligation), in their sole discretion, to move, remove, block, edit, or refuse any User Content for any reason, including without limitation that such User Content violates these Terms or is otherwise objectionable. Although the Site may from time to time monitor or review postings, transmissions, and the like on the Site, it cannot and does not monitor or manage all User Content, and does not guarantee the accuracy, integrity, or quality of User Content.By accessing or using the Site you represent and warrant that you are 18 years old or older. All information, content, services and software displayed on, transmitted through, or used in connection with the Site (with the exception of User Content as defined below), including, for example, news articles, stories, reviews, directories, guides, text, photographs, images, illustrations, audio clips, video, html, source and object code, trademarks, logos, and the like (collectively, the “Content”), as well as its selection and arrangement, is owned by PBCI and/or its licensors and suppliers.You may use the Content online only, and solely for your personal, non-commercial use, and you may download or print a single copy of any portion of the Content solely for your personal, non-commercial use, provided you do not remove any trademark or copyright notice, or other notice, from such Content.To protect your safety, please use your best judgment when using Site forums, chat rooms, bulletin boards, blogs, comments sections, or similar features.We discourage divulging personal phone numbers and addresses or other information that can be used to identify or locate you.We reserve the right, at our own expense, to assume the exclusive defense and control of such disputes, and in any event you will cooperate with us in asserting any available defenses.You also hereby grant each user of the Site a non-exclusive license to access your User Content through the Site, and to use, reproduce, distribute, display and perform such User Content as permitted through the functionality of the Site and under these Terms. We are happy to hear from our users and welcome feedback regarding our Site.All rights in this section are granted without the need for additional compensation of any sort by PBCI to you or to any other person or entity.You agree that you will indemnify, defend, and hold harmless PBCI and its officers, directors and employees for all claims resulting from User Content you post.

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