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As used in these Terms & Conditions, “Zentoro” means Zentoro Company. These Terms and Conditions are in addition to any other agreements between you and Zentoro, including any customer or account agreements and any other agreements that govern your use of software, products, goods, services, content, tools, and information provided by such Zentoro subsidiary(ies). General: The Zentoro website (collectively, the “Service”) may include or make available certain content (the “Content”). Content includes, without limitation: (1) account positions, balances, transactions, confirmations, and order history; (2) general news and information, commentary, research reports, educational material, and information and data concerning the financial markets, securities and other subjects; (3) market data such as quotations for securities transactions and/or last sale information for completed securities transactions reported in accordance with federal securities regulations; (4) financial and investment interactive tools, such as alerts or calculators; (5) tax preparation, bill payment, and account management tools; (6) company names, logos, product and service names, trade names, trademarks, and services marks (collectively, “Marks”) owned by Zentoro, and Marks owned by Third Party Providers (defined below); and (7) any other information, content, services, or software. Certain Content is furnished by third parties (each, a “Third-Party Provider” and collectively, the “Third-Party Providers”). The content, referred to as 'Third-Party Content,' includes, without limitation, any information, content, service or software made available by or through social media websites, blogs, wikis, online conferences, telecasts, podcasts, and other forums (collectively, the “Forums”). Third Party Content may be available through framed areas or through hyperlinks to the Third-Party Providers’ websites. Acceptance of Terms and Conditions: By using the Service and the Content, you agree to follow and be bound by these Terms and Conditions, including the policies referenced herein. Customers of Zentoro are granted additional levels of access to the website, and their relationship with Zentoro is governed by additional agreements and terms of use, such as the Customer Agreement that governs their account(s). Disclaimer and Limitations of Liability: The Content and the Service are provided on an “as is” and “as available” basis. To the fullest extent permitted under applicable law, Zentoro and the Third-Party Providers expressly disclaim all warranties of any kind with respect to the Content and the Service, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Neither Zentoro nor Third-Party Providers guarantee the accuracy, timeliness, completeness, or usefulness of any Content. You agree to use the Content and the Service only at your own risk. Neither Zentoro nor the Third-Party Providers explicitly or implicitly endorse or approve any Third Party Content. Third Party Content is provided for informational purposes only. The Content is not intended to provide financial, legal, tax, or investment advice or recommendations, unless specifically identified as an individualized recommendation in writing. You are solely responsible for determining whether any self-directed investment, investment strategy, or related transaction is appropriate for you based on your personal investment objectives, financial circumstances, and risk tolerance. You should consult your legal or tax professional regarding your specific situation. Zentoro AND THE THIRD-PARTY PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, INCOME, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES (EVEN IF Zentoro OR ANY THIRD-PARTY PROVIDER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (1) THE USE OF OR THE INABILITY TO USE THE CONTENT OR THE SERVICE; (2) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION, OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM THE SERVICE; (3) ACCESS TO OR ALTERATION OF YOUR ACCOUNT, TRANSMISSIONS OR DATA DUE TO YOUR CONDUCT, INACTION OR NEGLIGENCE; OR (4) ANY OTHER MATTER RELATING TO THE CONTENT OR THE SERVICE. Self-Directed Accounts: Zentoro provides self-directed investors with discount brokerage services, and unless clearly identified in writing to you as an individualized recommendation, Zentoro does not make recommendations or offer investment advice of any kind. As a self-directed investor, you are solely responsible for evaluating the merits and risks associated with the use of any Content provided through the Service before making any decisions based on such Content. You agree not to hold Zentoro or any Third-Party Provider liable for any possible claim for damages arising from any self-directed decision you make based on the Content or other information made available to you through the Service or any Third-Party Provider websites. Past performance data should not be construed as indicative of future results. Content: Content posted on the Service is published as of its stated date or, if no date is stated, the date of the first posting. Neither Zentoro nor the Third-Party Providers have undertaken any duty to update any such information. Zentoro does not prepare, edit, or endorse Third-Party Content. Zentoro does not guarantee the accuracy, timeliness, completeness, or usefulness of Third-Party Content and is not responsible or liable for any content, advertising, products, or other materials on or available from third-party sites. You will not hold Zentoro and/or any Third-Party Provider liable in any way for (a) any inaccuracy of, error or delay in, or omission of the Content; or (b) any loss or damage arising from or occasioned by i) any error or delay in the transmission of such Content; ii) interruption in any such Content due either to any negligent act or omission by any party to any “force majeure” (e.g., flood, extraordinary weather conditions, earthquake, or other act of God, fire, war, insurrection, riot, labor dispute, accident, action of government, communications, or power failure, equipment or software malfunction), or iii) to any other cause beyond the reasonable control of Zentoro and/or Third-Party Provider, or iv) non-performance. Any price quotes may be delayed 20 minutes or longer, according to the rules and regulations applicable to exchanges and Third-Party Providers. Neither Zentoro nor the Third-Party Providers make any representations, warranties, or other guarantees as to the accuracy or timeliness of any price quotes. Neither Zentoro nor the Third-Party Providers make any representations, warranties, or other guarantees as to the present or future value or suitability of any sale, trade, or other transaction involving any particular security or any other investment. Content is provided exclusively for personal and noncommercial access and use. No part of the Service or Content may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, or distributed in any way (including “mirroring”) to any other computer, server, website, or other medium for publication or distribution or for any commercial enterprise, without the prior written consent of Zentoro. You acknowledge that Zentoro is the sole owner of Zentoro Marks and that other Marks are the property of their respective owners. You agree that you will not use any Marks for any purpose without the prior express written consent of the respective owners. Termination; Modification: You agree that, without notice, Zentoro may terminate these Terms and Conditions, or suspend your access to the Service or the Content, with or without cause at any time and effective immediately. These Terms and Conditions will terminate immediately without notice from Zentoro if you, in Zentoro's sole discretion, fail to comply with any provision of these Terms and Conditions. Zentoro shall not be liable to you or any third party for the termination or suspension of the Service or the Content, or any claims related to such termination or suspension. Zentoro and/or the Third-Party Providers may discontinue or modify the Content, or any portion thereof, at any time. You release and agree to indemnify and hold harmless Zentoro and the Third-Party Providers for any loss or damages arising from or relating to such discontinuation or modification. Communications: By using the Service or the Content, you consent to any form of recording and retention of any communication, information, and data exchanged between you and Zentoro or its representatives or agents. All communications made at or through the Forums are public. Reliance on any Third-Party Content available on or through the Forums is at your own risk. When discussing a particular company, stock, or security in the Forums, you agree to reveal any ownership interest in such company, stock, or security. Without limitation, you agree not to do any of the following: (a–q clauses remain unchanged, as they do not reference Zentoro directly.) External Links: Zentoro and/or the Third-Party Providers may provide links to other websites or resources. Because neither Zentoro nor the Third-Party Providers have any control over such sites and resources, you acknowledge and agree that neither Zentoro nor the Third-Party Providers are responsible for the availability of such external sites or resources. Zentoro and the Third-Party Providers do not endorse and are not liable for any content, advertising, products, or other materials on or available through such sites or resources. You further acknowledge and agree that neither Zentoro nor the Third-Party Providers shall be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such site or resource. Applicable Policies: In addition to these Terms and Conditions, your access to and use of the Content and the Service are subject to Zentoro's then-current policies relating to the Content and the Service, including, without limitation, the Zentoro Privacy Policy available on the Service. You agree to be bound by these policies and all other Zentoro policies applicable to the access and use of the Content and the Service. By using the Service, you are consenting to have your personal data transferred to and processed by Zentoro and its affiliates. As part of providing you with the Service, Zentoro may need to provide you with certain communications, such as service announcements and administrative messages. These communications are considered part of the Service, from which you may not be able to opt-out. Indemnification: You will indemnify and hold harmless Zentoro and the Third-Party Providers, and the officers, directors, agents, partners, employees, distributors, and representatives of Zentoro and the Third-Party Providers, from and against any and all claims, demands, actions, causes of action, suits, proceedings, losses, damages, costs, and expenses, including reasonable attorneys' fees, arising from or relating to your access and/or use of, or interaction with the Content (including, without limitation, Third Party Content), or any act, error, or omission of your use of your account or any user of your account, connection therewith, including, but not limited to, matters relating to incorrect, incomplete, or misleading information; libel; invasion of privacy; infringement of a copyright, trade name, trademark, service mark, or other intellectual property; any defective product or any injury or damage to person or property caused by any products sold or otherwise distributed through or in connection with the Service; or violation of any applicable law. Revisions: Zentoro may at any time revise these Terms and Conditions by updating this document. You agree to be bound by subsequent revisions and agree to review these Terms and Conditions periodically for changes. The most updated version of this document will be available for your review under the "Zentoro Terms and Conditions" link that appears on the Zentoro website and mobile application. Applicable Law and Venue; Severability: You agree that these Terms and Conditions shall be governed by and interpreted in accordance with the law, without giving effect to principles of conflicts of law. Any legal action or proceeding arising under these Terms and Conditions will be brought exclusively in courts, and you hereby irrevocably consent to the personal jurisdiction and venue therein. If any provision of these Terms and Conditions is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these Terms and Conditions and will not affect the validity and enforceability of the remaining provisions.