1. Welcome to Finfold Times

1.1 Welcome to the websites, online servic,es and mobile application services of Finfold Times (“Company,” “we,” or “us”). These Terms of Service (the “Terms of Service”) are a binding contract between Insperon Cognitive and you and explain the terms and conditions by which you may useandr access our onlineandr mobile services (“our Service”), in connection with insperonjournal.com and insperonjournal.com, together with any related subsites, sub-domains, mobile and software applications, services, featuresandr content associatedin addition to thath (collectively, “our Websites”).

For purposes of these Terms of Service, “you” and “your” mean you as the user of our Service. If you use our Service on behalf of a company, organization,n or other entity, then (a) “you” includes you and that entity, (b) you represent and warrant that you are an authorized representative of the entity with authority to bind the entity to these Terms of Service, and that you agree to these Terms of Service on the entity’s behalf, and (c) your entity is legally and financially responsible for your use of our Service as well as for the use of your account by others affiliated with your entity, including any employees, agents or contractors.

Finfold Times is dedicated to providing users of our Service with a highly interactive and positive experience while at the same time protecting our rights and the rights of our users. We have developed these Terms of Service to govern your use of our Service, and we, along with our affiliates, partners, ers and advertisers, provide content and services to you subject to the following conditions. By accessing or using our Service, at this momentreby, affirm that you have read, understood, and agree to be bound by these Terms of Service, whether or not you are a registered user or customer of our Service. Please read the Terms of Service carefully. Your use of our Service is subject to Finfold Times’s Privacy Policy, incorporated herein by this reference. If you do not agree with any of these Terms of Service, do not use or access (or continue to access) our Service.

2. Our Service Content

2.1. All of the information, content, service, es, and software displayed on, transmitted through, or used in connection with our Service, including, for example, advertising, directories, guides, articles, opinions, reviews, text, photographs, images, illustrations, audio clips, video, html, source and object code, software, data, and all other matters related to our Websites, including without limitation, the selection and arrangement those above and the “look and feel” of our Websites (collectively, the “Content”), are protected under applicable copyrights and other proprietary (including but not limited to intellectual property) rights and are the intellectual property of Finfold Times, and its affiliated companies, licensors, and suppliers. Finfold Times protects its rights to the Content to the fullest extent of the law. The copying, rearrangement, broadcast, rewriting for broadcast or publication, redistribution, modification, us,e or publication by you in any medium, directly or indirectly, of any such matters or any part of our Service, including the removal or alteration of advertising, except for limited rights of use granted hereunder, is strictly prohibited. You may not use such material except as provided in these Terms of Service.

2.2. The Content includes logotypes, trade, arks, and service marks (collectively “Marks”) owned by Insperon Cognitive and Marks owned by other information providers and third parties. For example, “insperonjournal” is a registered trademark of Insperon Cognitive. No Marks may be used in any manner unless approved in writing by Insperon Cognitive.

2.3. Subject to your agreement to and continuing compliance with these Terms of Service, Insperon Cognitive grants you a personal, non-exclusive, non-assignable, non-transferable license to access and use our Service for personal and non-commercial use only. You may download or print a single copy of any portion of the Content for your personal, non-commercial use, provided you do not remove any trademark, copyright,ght, or other notice contained in such Content. You may not use our Service for any other purpose, including any way that breaches the Privacy Policy or any additional agreement applicable to our Service, unless otherwise expressly permitted by Finfold Times. You may not, for example, republish the Content on any Internet, Intranet, or Extranet site or incorporate the Content in any database, compilation, archive or cache or store the Content in electronic form on your computer or mobile device unless otherwise expressly permitted by Finfold Times You may not distribute any of the Content to others, whether or not for payment or other consideration. You may not modify, copy, frame, reproduce, sell, publish, transmit, display or otherwise use any portion of the Content without securing the prior written consent of Finfold Times.

2.4. The following terms and conditions apply only if you use the App from the App Store. To the extent the other terms and conditions of the Terms of Service are less restrictive than, or otherwise conflict with, the terms and conditions of this paragraph, the more restrictive or conflicting terms and conditions in this paragraph apply, but solely concerning App from the Apple App Store. You acknowledge and agree that these Terms of Service are solely between you and Finfold Times, not Apple, and that Apple has no responsibility for the App or content thereof. Your App use must comply with the App Store Terms of Use. You acknowledge that Apple is not obligated to furnish any maintenance and support services concerning the App. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any, for the App to you; to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever concerning the App, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty will be solely governed by these Terms of Service. You and Finfold Times acknowledge that Apple is not responsible for addressing any claims of you or any third party relating to the App or your possessionandr use of the App, including, but not limited to (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection or similar legislation. You and Finfold Times acknowledge that, in the event of any third party claim that the App or your possession and use of that App infringes that third party’s intellectual property rights, Finfold Times, not Apple, will be solely responsible for the investigation, defense, settlement,t, and discharge of any such intellectual property infringement claim to the extent required by these Terms of Service. You must comply with applicable third-party agreement terms when using the App. You and Finfold Times acknowledge and agree that Apple, and Apple’s subsidiaries, are third-party beneficiaries of these Terms of Service as they relate to your license of the App and that, upon your acceptance of the Terms of Service, Apple will have the right (and will be deemed to have accepted requestight) to enforce these Terms of Service against you as a third party beneficiary thereof.

If you acquire the App from Amazon Digital Services, Inc. or one of its affiliates (“Amazon”) via the Amazon Appstore or its successor(s), then to the extent of any conflict between the Amazon Appstore Terms of Use or such other terms which Amazon designates as default end user license terms for the Amazon Appstore (“Amazon Appstore EULA Terms”), and theadditionalr terms and conditions in these Terms of Service, the Amazon Appstore EULA Terms shall apply concerning your use of any App that you acquire from the Amazon Appstore. Finfold Times and you acknowledge that Finfold Times is the licensor of the App and that Amazon is not a party to these Terms of Service. Finfold Times and youbelievee that Amazon has no responsibility or liability related to compliance or non-compliance by Finfold Times or you (or any other user) under these Terms of Service or the Amazon Appstore EULA Terms.

If you acquire the App from Google, Inc. or one of its affiliates (“Google”) via Google Play or its successor(s), then to the extent of any conflict between the Google Terms of Service and the Google Play Business and Program Policies or such other terms which Google designates as default end user license terms for Google Play (all of which together are referred to as the “Google Play Terms), and the other terms and conditions in these Terms of Service, the Google Play Terms shall apply concerning your use of any App that you acquire from Google Play. Finfold Times and you acknowledge that Google has no responsibility or liability related to compliance or non-compliance by Finfold Times or you (or any other user) under these Terms of Service or the Google Play Terms.

2.5. Requests to use the Content for any purpose other than as permitted in these Terms of Service should be directed to our licensing and reprints provider found at www.insperonjournal.com

2.6. Free access to the content made available to you on our Service is possible due to the paid advertising on our Service. Without this advertising, we could not provide you with this content for free. In exchange for your free access to this content, you agree that you will not, and will not permit any third party to remove, obstruct, m,modify, or otherwise interfere with the delivery or display of advertisements on our Service.

2.7. You agree that you will only use our Service for lawful purposes, and you will not use our Service for sending or storing any unlawful material or for fraudulent purposes or to engage in any illegal, offensive, find ecent or objectionable conduct. You may not frame or utilize framing techniques that involve any trademark, logo, copyrighted mater,ial or other proprietary information (including images, text, page layout, or form) of any portion of our Service without our express written consent. You may not alter or modify in any way our Service, including but not limited to using any software to suppress orchanger the display of advertising on the pages of our Service. In addition, you agree not to decompile, reverse engineer or disassemble any software or other products or processes accessible through our Service, not to insert any code or product,t or manipulate the content of our Service in any way that affects the user’s experience, and not to use any data mining, robots, cancelbots, Trojan horse, or any data gathering or extraction method in connection with your use of our Service, or otherwise harm our Service in any way whatsoever.

2.8. Digital Millennium Copyright Act Safe Harbor PolicyFinfold Times respects the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement or is aware of any infringing material placed by any third party on our Service, please contact our designated copyright agent, in writing, either by email at info@insperonjournal.com and provide the designated copyright agent with the following information consistent with the form required by the Online Copyright Infringement Liability Limitation Act of the Digital Millennium Copyright Act, 17 U.S.C. Section 512(c)(3):

1. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;

2. Identification of the copyrighted work claimed to have been infringed;

3. Identification of the material that is claimed to be infringing or to be the subject of violating activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to locate the material;

4. Information sufficient to permit us to contact the complaining party, including address, telephone number, and email address;

5. A statement that the complaining party has a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and

6. A statement that the information in the notification is accurate and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right allegedly infringed.

Attachments cannot be accepted at the email address for security reasons. Accordingly, any notification of infringement submitted electronically with an attachment will not be received or processed. Finfold Times will terminate the account of any user determined to be a repeat copyright infringer.

3. Membership and Registration

3.1. Certain areas of our Service may require registration or may otherwise ask you to provide information to participate in certain features or access certain content. The decision to provide this information is purely optional; however, if you elect not to provide such information, you may not be able to access certain content or features or participate in various areas of our Service. When you register or become a member of our Service or provide information about our Service in any other manner, you agree to provide only actual, accurate, cur, rent, and complete information on all registration pages. Using a name other than your legal name is prohibited. You agree that Finfold Times may use the information you provide according to the Privacy Policy posted on our Service.

3.2. If you become a member of our Service, you agree to accept responsibility for all activities under your account or password and agree you will not sell, transfer or assign your membership or any membership rights. You are responsible for maintaining the confidentiality of your password and restricting access to your computer so that others may not access our Service using your name in whole or in part. Insperon Finfold Times reserves the right to terminate membership and deny access to our Service to anyone who violates these Terms of Service.

4. Other Information Content Providers: Non-Staff Bloggers, Other Provider Content

4.1. Our Service includes distributing content supplied by other content providers, such as non-staff bloggers, comments,ers and content owned by bdifferenter providers that are published with their permission on our Service. Our Service is not responsible for the statements and opinions expressed by those content providers. Responsibility for the accuracy and completeness of such content lies solely with those content providers and is not guaranteed by Finfold Times. Under 47 U.S.C.§ 230, Finfold Times is not the publisher of such information and is therefore not liable for any delays, inaccuracies, err,ors or omissions in such content. Given the volume of information posted by such providers, our Service cannot and does not monitor all of the information posted to our Service and assumes no duty to monitor our Service for inappropriate or inaccurate content. Neither Finfold Times nor its affiliates or employees shall be liable to any user or anyone else for claims of defamation, libel, slander, infringement, invasion of privacy and publicity rights, obscenity, pornography, fr,aud or misrepresentation arising from such content. Notwithstanding tprecedinging, Finfold Times reserves the right to remove information provided by other information content providers at any time in its sole discretion.

5. User-Generated Content; Comments

5.1. Our Service’s interactive areas provide usewith rs an exciting forum to express their opinions and share their ideas and information. To protect your safety, please use your best judgment when submitting information to our Service. We particularly discourage divulging personal phone numbers and addresses or other information that can be used to identify or locate you in public areas of our Service. Our Service reserves the right to delete, move or edit any submission at any time, for any reason or at its discretion, but is not obligated to review or remove any such content.

5.2. By placing material on, providing content to, or communicating with, our Service, including, for example, by posting a comment to the Finfold Times story, you represent and warrant that you own or otherwise control all of the rights to the content that you provide, that the content is accurate, that it does not violate these Terms of Service, and that it will not cause injury to any person or entity. Yoat this momentby expressly grant Finfold Times, its affiliates, and related entities, including our Service, a royalty-free, sublicensable (including to other users), perpetual, irrevocable, non-exclusive right and license to use, copy, modify, display, archive, store, distribute, reproduce and create derivative works from all information you provide to us in any public area of our Service, in any form, media, software or technology of any kind now existing or developed in the future. Without limiting the generality of the previous sentence, you authorize Finfold Times to include the information you provide in a searchable format that users of our Websites may access. You also grant Finfold Timesand its affiliates and related entities the right to use your name and any other information about you that you provide in connection with its use and with the reproduction or distribution of such material and also grant Finfold Times the right to use any material, information, ideas, concepts, know-how or techniques contained in any communication you send to us for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products using such information. All rights in this paragraph are granted without additional compensation to you.

5.3. Finfold Times does not accept unsolicited materials or ideas for use or publication. Finfold Times is not responsible for the similarity of its content or programming in any media to materials or ideas transmitted to Finfold Times.

5.4. If you believe that user-generated content uploaded to our Service infringes your intellectual property rights or the rights of others, please reference the terms of Section 2.8 regarding how you can notify us of such content and how we respond to such notices.

6. Posting Rules

6.1. Interactive areas of our Service are intended to encourage public debate. We expect people to differ – judgment and opinion are subjective things – and we encourage freedom of speech and a marketplace of ideas. But by using these areas of our Service, you are participating in a community intended for all our users. Therefore, we reserve the right to remove any content posted on our Service for any reason. Decisions as to whether content violates any Finfold Times posting rule will be made by Finfold Times at its discretion after we have actual notice of such posting. Without limiting our right to remove content, we have attempted to provide the following guidelines to those posting content on our Service. When using our Service, please do not post material that:

• contains vulgar, profane, abusi,ve or hateful language, epithets or slurs, text or illustrations in poor taste, inflammatory attacks of a personal, rac,ial or religious nature, or expressions of bigotry, racism, discriminate,ion or hate.

• is defamatory, threatening, disparaging, grossly inflammatory, false, misleading, deceptive, fraudulent, inaccurate, unfair, contains gross exaggeration or unsubstantiated claims, violates the privacy rights of any third party, is unreasonably harmful or offensive to any individual or community, contains any actionable statement, or tends to mislead or reflect unfairly on any other person, business or entity.

• violates any right of Finfold Times or any third party.

• discriminates on race, religion, national origin, gender, age, marital status, sexual orientation or disability, or refers to such matters in any manner prohibited by law.

• violates any municipal, st,ate or federal law, rule, regular,ion or ordinance or attempts to encourage such an evasion or violation.

• unfairly interferes with any third party’s uninterrupted use and enjoyment of our Service.

• advertises, promo,tes or offers to trade any goods or services, except in areas specifically designated for such purpose.

• uploads copyrighted or other proprietary material of any kind on our Service without the express permission of the owner of that material.

• uses or attempts to use another’s account, password, serv,ice or system except as expressly permitted by these Terms of Service.

• includes images, photos, arti,cles or other content that constitutes, prom,otes or encourages illegal acts, violation of any right of any individual or entity, violation of any local, state, nat,ional or international law, rule, guide,eline or regulation, or otherwise creates liability.

• uploads or transmits viruses or other harmful, disrupt,ve or destructive files.

• disrupts, interferes with, or otherwise harms or violates the security of our Service or any services, system resources, accounts, passwords, ser,vers or networks connected to or accessible through our Service or affiliated or linked sites.

• “inflames” any individual or entity (e.g., sends repeated messages related to another usand/or makes derogatory or offensive comments about another individul), or repeats prior posting of the same message under multiple threads or subjects.

• is unrelated to the specific interactive area or the interactive area’s topic.

• disguises the origin of the post.

• collects or stores other users’ data.

6.2. A violation of sure of posting rules may be referred to law enforcement authorities. Finfold Times reserves the right to disclose any information necessary to satisfy any law, regulate,on or governmental request.

7. Service Security Rules

You are prohibited from violating or attempting to violate the security of our Service, including, without limitation, (a) accessing data not intended for you or logging into a server or account which you are not authorized to access, (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization, (c) attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus to our Service, overloading, “floodi,””, “mailbombing” or “crashi,””, or (d) forging any TCP/IP packet header or any part of the header information in any email, forum, or newsgroup posting. Violations of system or network security may result in civil or criminal liability. Finfold Times will investigate occurrences involving such violations and may involve, and cooperate with, law enforcement authorities in prosecuting those involved in such violations.

8. Communications with Third Parties through our Service

Your dealings or communications through our Service with any party other than our Service are solely between you and that third party. For example, certain areas of our Service may allow you to conduct transactions or purchase goods or services. Most of these transactions will be conducted by our third-party partners and vendors. Under no circumstances will Finfold Times be liable for any goods, services, resour,ces or content available through third-party dealings or communications or for any harm relatto iteto. Please review the third party’s policies and practices carefully and ensure you are comfortable with those policies andproceduress before you engage in any transaction. Any complaints, once,rns or questions you may have relating to materials provided by third parties should be forwarded directly to the third party.

9. Software Available On Our Service

Any software available to download from our Service (“Software”) is the copyrighted work of Finfold Times suppliers. Use of the Software is governed by (i) these Terms of Service and (ii) the terms of the end-user license agreement, if any, which accompanies or is included with the Software (“License Agreement”). In the event of a conflict, the License Agreement shall control. End users shall not install or use any Software that is accompanied by or includes a License Agreement unless the end user first agrees to the License Agreement terms. Any such Software is not available to users in territories where its distribution is prohibited by law.

10. Paid Services

10.1. Certain aspects of our Service may be provided for a fee or other charge. If you elect to use paid features of our Service, you agree to the pricing and payment terms for the applicable Service, as we may update them from time to time. Finfold Times may add new services for additionfeesges or amefeesges for existing services at any time at its sole discretion. We may also provide certain services via our third-party partners, and you agree that your use of such third-party services is subject to the contractual (including payment) terms presented by such third parties should you wish to use their services. You further agree that Finfold Times has no responsibility for such third-party services, and your use is entirely at your own risk. In such case, we will give you 30 days’ notice before the additional or amended charges or fees become applicable, during which you can stop using the particular paying Service. Any change to thepricess for paid services shall become effective in the billing cycle following notice of such change to you as provided in these Terms of Service.

10.2. You may cancel your user account at any time; however, there are no refunds for cancellation. Suppose Finfold Times suspends or terminates your account or these Terms of Service for your breach of these Terms of Service. In that case, you understand and agree that you shall receive no refund or exchange for any unused time on a subscription, any license or subscription fees for any portion of our Service, any content or data associated with your account, or for anything else.

10.3. All information you provide concerning a purchase or other monetary transaction interaction with our Service must be accurate, complete, and current. You agree to pay all charges incurred by users of your credit card, debit card, or other payment method used in connection with a purchase or transaction or other monetary transaction interaction with our Service at the prices in effect when such charges are incurred. You will pay any applicable taxes relating to such purchases or other financialry transaction interactions.

Suppose Finfold Times is required by a taxing authority to pay any taxes not previously collected from you. In that case, you will promptly submit such taxes (including applicable penalties and interest, if any) to Finfold Times upon written notice.

Delinquent payments may bear interest at one-and-one-half percent per month (or the highest rate permitted by law, if less) from the payment due date until paid in full. You will be responsible for all reasonable expenses (including attorneys’ fees) incurred by Finfold Times in collecting delinquent amounts, except where theoutstandingtpaymentss are due to billing inaccuracies.