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Terms of Use - Nilson Report
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The terms “you” and “your” in this agreement shall mean the user of our site (e.g., individual, company, corporation, partnership, sole proprietor, governmental agency, etc.) that accessed, linked to, visited, or used our site at any time. </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-inner-section elementor-element elementor-element-ee678ca elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="ee678ca" data-element_type="section" data-settings="{"jet_parallax_layout_list":[]}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-b9a9bec" data-id="b9a9bec" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-fe26379 elementor-widget elementor-widget-heading" data-id="fe26379" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">1. 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Any terms and conditions proposed by you which are in addition to or which conflict with the TOS are expressly rejected by BLP and shall be of no force or effect. </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-inner-section elementor-element elementor-element-ff50634 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="ff50634" data-element_type="section" data-settings="{"jet_parallax_layout_list":[]}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-4d72eb0" data-id="4d72eb0" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-d10534c elementor-widget elementor-widget-heading" data-id="d10534c" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">2. 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For example, if in our opinion, your use of the site may violate any laws, regulations, or rulings, infringe upon another person’s rights or violate the terms of the TOS, we reserve the right to immediately terminate or restrict your access to the site. </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-inner-section elementor-element elementor-element-0ef2ced elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="0ef2ced" data-element_type="section" data-settings="{"jet_parallax_layout_list":[]}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-b082ccb" data-id="b082ccb" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-510201d elementor-widget elementor-widget-heading" data-id="510201d" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">4. 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WE WILL NOT BE LIABLE (JOINTLY OR SEVERALLY) TO YOU OR ANY OTHER PERSON AS A RESULT OF YOUR ACCESS OR USE OF THE SITE OR CONTENT FOR INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING, WITHOUT LIMITATION, LOST PROFITS, LOST SAVINGS AND LOST REVENUES (COLLECTIVELY, THE “EXCLUDED DAMAGES”), WHETHER OR NOT CHARACTERIZED IN NEGLIGENCE, TORT, CONTRACT, OR OTHER THEORY OF LIABILITY, EVEN IF YOU CONTEND THAT WE WERE ADVISED OF THE POSSIBILITY OF OR COULD HAVE FORESEEN ANY OF THE EXCLUDED DAMAGES, AND IRRESPECTIVE OF ANY FAILURE OF AN ESSENTIAL PURPOSE OF A LIMITED REMEDY. IF ANY APPLICABLE AUTHORITY HOLDS ANY PORTION OF THIS SECTION TO BE UNENFORCEABLE, THEN OUR LIABILITY WILL BE LIMITED TO THE FULLEST POSSIBLE EXTENT PERMITTED BY APPLICABLE LAW. </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-inner-section elementor-element elementor-element-f19b09d elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="f19b09d" data-element_type="section" data-settings="{"jet_parallax_layout_list":[]}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-c9e2e84" data-id="c9e2e84" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-0b5c2e6 elementor-widget elementor-widget-heading" data-id="0b5c2e6" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">6. Agreement to Arbitrate</h2> </div> </div> <div class="elementor-element elementor-element-269ae7c elementor-widget elementor-widget-text-editor" data-id="269ae7c" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>The parties acknowledge that any statutory or common law claims related to intellectual property may require forms of equitable relief that are best administered by courts; accordingly, the parties agree that except for statutory or common law claims related to intellectual property and disputes that qualify for small claims court, any controversy or claim arising out of or relating to this Agreement or any aspect of the relationship between us, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory, will be resolved by arbitration administered by the American Arbitration Association (“AAA”) in accordance with its Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes. Judgment on the award rendered by the arbitrator may be entered in any federal or state court of competent jurisdiction located in the County of Santa Barbara in the State of California. For more information about arbitration, the AAA and the arbitration process, please consult the American Arbitration Association web site at <a href="https://adr.org/" target="_blank" rel="noopener">adr.org</a> .</p><p><strong>You agree that by entering into this Agreement, you and we are each waiving the right to trial by jury, except as otherwise stated above. Any arbitration under this Agreement will take place on an individual basis; class arbitrations and class actions are not permitted and, by entering into this Agreement, you are giving up the ability to participate in a class action. </strong></p><p>All issues are for the arbitrator to decide, except that issues relating to the scope, application, and enforceability of the arbitration provision are for the court to decide. California law applies to any arbitration under this section, but the parties acknowledge that the Federal Arbitration Act governs the interpretation and enforcement of this provision. This agreement to arbitrate shall survive termination of this Agreement. The arbitration will take place in the County of Santa Barbara in the State of California. The arbitrator may award money or equitable relief in favor of only the individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim. To reduce the time and expense of the arbitration, the arbitrator will not provide a statement of reasons for his or her award unless requested to do so by both parties. Unless both you and we agree otherwise, the arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative or class proceeding.</p> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-inner-section elementor-element elementor-element-ee49d6d elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="ee49d6d" data-element_type="section" data-settings="{"jet_parallax_layout_list":[]}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-9e1ee2a" data-id="9e1ee2a" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-0f9ef6f elementor-widget elementor-widget-heading" data-id="0f9ef6f" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">7. General</h2> </div> </div> <div class="elementor-element elementor-element-418ec9a elementor-widget elementor-widget-text-editor" data-id="418ec9a" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> This Agreement contains the final and entire agreement between us regarding your use of the site and supersedes all previous and contemporaneous oral or written agreements regarding your use of the site. This Agreement is personal to you, which means that you may not assign your rights or obligations under this Agreement to anyone. No third party is a beneficiary of this Agreement. You agree that this Agreement, as well as all claims arising from this Agreement will be governed by and construed in accordance with the laws of the State of California, United States of America, without regard to any conflict or choice of law principles. For all litigation which may be brought, subject to the requirements for arbitration hereunder, with respect to any controversy or claim, arising out of or relating to this Agreement or any relationship between us, the sole jurisdiction and venue for such litigation will be an appropriate federal or state court located in the County of Santa Barbara in the State of California. Our failure to enforce any provision of this Agreement or to respond to a breach by you or other parties of this Agreement shall not in any way waive our rights to subsequently enforce any term or condition of this Agreement. This Agreement will not be governed by the United Nations Convention on Contracts for the International Sale of Goods. </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-inner-section elementor-element elementor-element-2790e1f elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="2790e1f" data-element_type="section" data-settings="{"jet_parallax_layout_list":[]}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-70dea6c" data-id="70dea6c" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-c8096d3 elementor-widget elementor-widget-heading" data-id="c8096d3" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">8. Our Refund Policy</h2> </div> </div> <div class="elementor-element elementor-element-a1262a3 elementor-widget elementor-widget-text-editor" data-id="a1262a3" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>We make a refund when someone mistakenly pays us by wire transfer even though their company requires them to use a paper check or a credit card. We make a refund when we receive payment by paper check although a company requires employees to use a credit card or make a wire transfer. We make a refund if we receive payment by credit card although a company requires employees to pay by wire transfer or paper check.</p><p>Importantly, when a credit card has been received and a refund is required, we make the refund using the ACH. Therefore, no credit card chargeback occurs. We make the refund using the ACH because we do not retain any payment card data in our system. There is no payment card number to chargeback.</p><p>We make a refund if someone pays full price on a new subscription although they qualify for a discounted price. We make a refund when a company mistakenly pays us twice for the same invoice. We make a refund when someone mistakenly pays for a renewal of their subscription. They have this prerogative because the Nilson Report never uses auto-renewal for either of the products it sells.</p> </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-inner-section elementor-element elementor-element-8d46cfe elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="8d46cfe" data-element_type="section" data-settings="{"jet_parallax_layout_list":[]}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-6dad194" data-id="6dad194" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-354169a elementor-widget elementor-widget-heading" data-id="354169a" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">9. Our Delivery Policy</h2> </div> </div> <div class="elementor-element elementor-element-861f6bb elementor-widget elementor-widget-text-editor" data-id="861f6bb" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> The Nilson Report is a provider of market intelligence—news and statistics—to executives in the payment card industry. We sell our content as a yearly subscription (22 issues) to our newsletter, as an annual Research Publication (a single document) or as any number of previously published individual issues from our archives. All content is digital and is delivered in portable document format (pdf). </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-inner-section elementor-element elementor-element-b1deb7a elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="b1deb7a" data-element_type="section" data-settings="{"jet_parallax_layout_list":[]}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1ae84c3" data-id="1ae84c3" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-7f303ba elementor-widget elementor-widget-heading" data-id="7f303ba" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">10. Return Policy</h2> </div> </div> <div class="elementor-element elementor-element-9fdeaff elementor-widget elementor-widget-text-editor" data-id="9fdeaff" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> All content sold by the Nilson Report is digital. No content is returned. </div> </div> </div> </div> </div> </section> <section class="elementor-section elementor-inner-section elementor-element elementor-element-8d63cb8 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="8d63cb8" data-element_type="section" data-settings="{"jet_parallax_layout_list":[]}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-bdc740e" data-id="bdc740e" data-element_type="column"> <div class="elementor-widget-wrap elementor-element-populated"> <div class="elementor-element elementor-element-ad1fd73 elementor-widget elementor-widget-heading" data-id="ad1fd73" data-element_type="widget" data-widget_type="heading.default"> <div class="elementor-widget-container"> <h2 class="elementor-heading-title elementor-size-default">11. Cancellation Policy</h2> </div> </div> <div class="elementor-element elementor-element-e12913e elementor-widget elementor-widget-text-editor" data-id="e12913e" data-element_type="widget" data-widget_type="text-editor.default"> <div class="elementor-widget-container"> <p>All sales are final.</p> </div> </div> </div> </div> </div> </section> </div> </div> </div> </section> </div> <div data-elementor-type="footer" data-elementor-id="9106" class="elementor elementor-9106 elementor-location-footer" data-elementor-post-type="elementor_library"> <section class="elementor-section elementor-top-section elementor-element elementor-element-5c885bc elementor-section-full_width elementor-section-height-default elementor-section-height-default" data-id="5c885bc" data-element_type="section" data-settings="{"jet_parallax_layout_list":[],"background_background":"classic"}"> <div class="elementor-container elementor-column-gap-default"> <div class="elementor-column elementor-col-100 elementor-top-column 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