Terms of Use

1. Introduction and Acceptance of Terms of Use.

By using this website, you are agreeing to accept and comply with the terms and conditions of use as stated below (“Terms of Use”) and with our Privacy Policy, which Pality may update at any time without prior notice. You should visit this page periodically to review the then-current Terms of Use. Please note that Pality may, in its sole discretion, terminate your access to this website at any time without prior notice.

2. Limited Right to Use.

This website is owned and operated by Municipal Solvency Research LLC d/b/a Pality. Unless otherwise specified, all Materials on this website are the property of Pality, including the design, text, graphics and arrangement of items, and are protected by the copyright laws of the United States and, throughout the world by the applicable copyright laws. All such rights are reserved. You may, view, print and/or download a reasonable number of copies of the Materials from this website on any single computer solely for your personal, informational, non-commercial use, provided you keep intact all copyright and other proprietary notices and comply with any identified attribution requirements. No Materials published by Pality on this website, in whole or in part, may be copied, reproduced, modified, republished, uploaded, posted, transmitted, or distributed in any form or by any means without prior written permission from Pality. The use of any such Materials on any other website or networked computer environment or for any other purpose is strictly prohibited and such unauthorized use may violate copyright, trademark and other similar laws. Copyright infringement is a violation of federal law and will subject you to criminal and civil penalties. From time to time, we may restrict access to some parts of our site, or our entire site to Users.

3. Communications.

Except for any disclosure by you for technical support purposes, or as specified in our Privacy Policy, all communications from you to this website will be considered non-confidential and non-proprietary. You agree that any and all comments, information, feedback and ideas regarding our company, products or services that you communicate to Pality (“Feedback”) will be deemed, at the time of communication to Pality, the property of Pality, and Pality shall be entitled to full rights of ownership, including without limitation, unrestricted right to use or disclose such Feedback in any form, medium or technology now known or later developed, and for any purpose, commercial or otherwise, without compensation to you. You are solely responsible for the content of your communications and their legality under all laws and regulations. You agree not to use this website to distribute, link to or solicit content that is defamatory, harassing, unlawful, libelous, harmful to minors, threatening, obscene, false, misleading, or infringing upon a third party’s intellectual or privacy rights.

4. Access to Password Protected or Secured Areas.

Access to and use of password protected or secured areas of this website is restricted to authorized users only. You will be asked to provide accurate and current information on all registration forms on this website. You are solely responsible for maintaining the confidentiality of any username and password that you choose or is chosen by your web administrator on your behalf, to access this website as well as any activity that occurs under your username/password. You will not misuse or share your username or password, misrepresent your identity or your affiliation with an entity, impersonate any person or entity, or misstate the origin of any Materials you are exposed to through this website. If you violate your obligations under this section, you may be subject to criminal prosecution or civil liability under applicable law.

5. Monitoring.

Although it is not obligated to do so, Pality reserves the right to review all of your communications on this website to determine whether they comply with our Terms of Use.

6. Links to Other Sites.

Any other sites to which this site is linked are not under the control of Pality and Pality is not responsible for the content of any linked site or any link contained in a linked site. Pality reserves the right to terminate any link at any time. Pality may provide links from this website to other sites as a convenience to you and in no way should this be interpreted as an endorsement of any company, content or products to which it links. If you decide to access any of the third-party sites linked to this website, you do this entirely at your own risk. Pality disclaims any and all warranties, express or implied, to any such linked sites, including but not limited to any terms as to the accuracy, ownership, validity or legality of any content of a linked site.

7. Intellectual Property.

All content and materials included in or made available through this website including, without limitation, confidential information, copyrights, trademarks, service marks and logos (collectively, “Intellectual Property”), is the property of Pality or its content suppliers and protected by United States and international intellectual property laws. You have no right to use any such Intellectual Property, and nothing contained in this website or the Terms of Use grants you the right to use (by implication, waiver, estoppel or otherwise) any Intellectual Property without the prior written consent of Pality or the respective owner.

8. Viruses, hacking and other offences.

You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorized access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack. We will report any such breach to the relevant law enforcement authorities and we will cooperate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.

9. Linking to our site.

You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

You must not establish a link from any website that is not owned by you.

Our site must not be framed on any other site, nor may you create a link to any part of our site other than the home page. We reserve the right to withdraw linking permission without notice.

10. Indemnity.

You agree to indemnify, defend and hold Pality harmless from and against any and all third party claims, liabilities, damages, losses or expenses (including reasonable attorneys fees and costs) arising out of, based on or in connection with your access and/or use of this website.

11. Limitation of Liability.

In no event shall Pality or its service providers or suppliers be liable for any direct, indirect, special, incidental or consequential damages including, without limitation, loss of profits or revenues, costs of replacement goods, loss or damage to data arising out of the use or inability to use this website or any linked site, damages resulting from use of or reliance upon the information or materials presented on this website, whether based on warranty, contract, tort or otherwise even if foreseeable.

12. Disclaimer.

Pality assumes no responsibility for accuracy, correctness, timeliness, or content of the Materials provided on this website. You should not assume that the Materials on this website are continuously updated or otherwise contain current information.

The materials provided on this website are provided “AS IS” and any warranty (express or implied), condition or other term of any kind, including without limitation, any warranty of merchantability, fitness for particular purpose, non-infringement or title is thereby excluded.

Commentary and other materials posted on our site is not intended to amount to advice on which reliance should be placed. We disclaim all liability and responsibility arising from any reliance placed on such materials by any visitor to our site, or by anyone who may be informed of any of its contents.

13. Applicable Laws.

By using our website, you agree that applicable U.S. federal law, and the laws of the State of Connecticut, without regard to principles of conflict of laws, will govern these Terms of Use and any dispute of any sort that might arise between you and Pality.

14. General.

For questions, please refer to Contact Us page.