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These Terms of Use were last updated on January 1, 2016.
By accessing and using idaciti.com and application.idaciti.com (the "Web Site"), you agree to be legally bound by these Terms of Use. If any of these terms are unacceptable to you, you should not access the Web Site until agreement has been reached between you and idaciti, Inc. The terms "you" and "User" refer to anyone who accesses the Web Site.

Even though we do not expect frequent change, but subject to applicable laws and regulations, idaciti, Inc. ("idaciti"), may change these Terms of Use at any time without notice. Changes will be posted at www.idaciti.com under "Terms of Use". Your use of the Web Site after any changes have been posted will constitute your agreement to the modified Terms of Use and all of the changes. Therefore, you should read these Terms of Use from time to time for changes.

1. USE OF THE WEB SITE.
idaciti grants you a non-exclusive, non-transferable, limited license to access and use the Web Site for the fees, if applicable, and under the terms set forth below.
The content of the Web Site made accessible by idaciti includes, but is not limited to, the idaciti and other opinions, text, data, reports, images, photos, graphics, graphs, charts, animations and video (collectively, the "Content").
The Content may be used only for non-commercial use.

Narrative Content made available on idaciti.com
You may also, on an occasional, ad hoc basis, reproduce, distribute, display or transmit an insubstantial portion of other narrative content ("Narrative Content"), for a non-commercial purpose and without charge, provided you include all copyright and other proprietary rights notices and the idaciti disclaimer with such portion of the Narrative Content in the same form in which the notices and disclaimer appear on the Web Site, the original source attribution, and the phrase "Used with permission from idaciti, Inc., a Web Site of idaciti".

User Content made available on idaciti Web Site
Material that appears on the Web Site that is created by you or other Users, or that is otherwise made accessible by other than idaciti, is referred to as "User Content" or "Other Content". Section 7 governs use of User Content.

Intellectual Property Rights and Unlawful Use
The Content is the property of idaciti or its providers, and is protected by copyright and other intellectual property laws. All trade names, trademarks, service marks and other product and service names and logos on the Web Site and within the Content are proprietary to their respective owners and are protected by applicable trademark and copyright laws. Any of the trademarks, service marks or logos (collectively, the "Marks") displayed on the Web Site may be registered or unregistered marks of idacitior others. Nothing contained on this Web Site should be construed as granting any license or right to use any of the Marks displayed on the Web Site without the express written permission of idaciti or a third party owner of such Marks. You shall honor all reasonable requests by idaciti to protect idaciti proprietary interests in the idaciti Web Site and the Content.
Illegal and unauthorized uses of the Marks or any other Content are strictly prohibited.
NOTE: Use of Content on this Web Site may be periodically monitored to assure compliance with these Terms of Use. idaciti reserves the right to discontinue access to this Web Site either with or without notice if idaciti has a reasonable basis to believe that a User is accessing or using Content in violation of these Terms of Use.

2. ANTI-HACKING PROVISION.
You expressly agree not to: Use or attempt to use any "deep-link," "scraper," "robot," "bot," "spider," "data-mining," "computer code" or any other automated device, program, tool, algorithm, process, or methodology or manual process having similar processes or functionality, to access, acquire, copy, or monitor any portion of the Web Site, any data or Content found on or accessed through the Web Site or any Other Content without the prior express written consent of idaciti; Obtain or attempt to obtain through any means any materials or information on the Web Site that have not been intentionally made publicly available either by their public display on the Web Site or through their accessibility by a visible link on the Web Site; Violate the restrictions in any robot inclusion headers on this Web Site or in any way bypass or circumvent any other measure employed to limit or prevent access to the Web Site or its Content; Violate the security of the Web Site or attempt to gain unauthorized access to the Web Site, data, materials, information, computer systems or networks connected to any idaciti server, through hacking, password mining or any other means; Interfere or attempt to interfere with the proper working of the Web Site or any activities conducted on or through the Web Site, including accessing any data, content or other information prior to the time that it is intended to be available to the public on the Web Site; Take or attempt any action that, in the sole discretion of idaciti, imposes or may impose an unreasonable or disproportionately large load or burden on the Web Site or idaciti infrastructure.

3. REGISTRATION.
As part of the registration process, you must enter your valid email address as the member name and password as required. Please see our Privacy Notice for information regarding how this information will be used and maintained.

4. LIMITATION ON WARRANTIES AND LIABILITY.
You are entirely liable for activities conducted by you or anyone else in connection with your browsing and use of the Web Site. If you are dissatisfied with the Web Site or with these Terms of Use, your sole and exclusive remedy is to stop using the Web Site. Neither idaciti nor any third party provider will pay you any damages in connection with your browsing or use of the Web Site.
Neither idaciti, nor its affiliates, nor their third party providers guarantee the accuracy, completeness, timeliness or availability of any information provided through this Web Site. idaciti, its affiliates or their third party providers and their directors, officers, shareholders, employees or agents are not responsible for any errors or omissions, regardless of the cause, or for the results obtained from the use of such information. IDACITI, ITS AFFILIATES AND THEIR THIRD PARTY PROVIDERS DISCLAIM ANY AND ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR USE. In no event shall idaciti, its affiliates or their third party providers and their directors, officers, shareholders, employees or agents be liable to any party for any direct, indirect, incidental, exemplary, compensatory, punitive, special or consequential damages, costs, expenses, legal fees, or losses (including, without limitation, lost income or lost profits and opportunity costs) in connection with any use of such information even if advised of the possibility of such damages.
The ratings and credit related analyses of idaciti and its affiliates and the observations contained in reports and articles published on this Web Site are statements of opinion as of the date they are expressed and not statements of fact or recommendations to purchase, hold, or sell any securities or make any investment decisions. idaciti assumes no obligation to update any information following publication. Users of the information provided through this Web Site should not rely on any of it in making any investment decision. idaciti's opinions and analyses do not address the suitability of any security. idaciti does not act as a fiduciary or an investment advisor. While idaciti has obtained information from sources it believes to be reliable, idaciti does not perform an audit and undertakes no duty of due diligence or independent verification of any information it receives. idaciti keeps certain activities of its business units separate from each other in order to preserve the independence and objectivity of each of these activities. As a result, certain business units of idaciti may have information that is not available to other idaciti business units.

5. LINKS TO OTHER WEB SITES FROM THIS WEB SITE.
You may, through hypertext or other computer links, gain access to Web sites operated by persons other than idaciti. Such hyperlinks are provided for your reference and convenience only, and are the exclusive responsibility of such Web sites' owners. You agree that idaciti is not responsible for the content or operation of such Web sites, and that idaciti shall have no liability to you or any other person or entity for the use of third party Web sites. Except as described below, a hyperlink from this Web Site to another Web site does not imply or mean that idaciti endorses the content on that Web site or the operator or operations of that site. You are solely responsible for determining the extent to which you may use any content at any other Web sites to which you link from this Web Site. idaciti assumes no responsibility for the use of third party software on the Web Site and shall have no liability whatsoever to any person or entity for the accuracy or completeness of any outcome generated by such software.

6. TIMELINESS OF CONTENT
We intend to provide up to date data for idaciti users to create cards and storyboards, however, idaciti does not guarantee or warrant the accuracy, timeliness, or completeness of any data you access using the Web Site, and assumes no obligation to update any information.

7. THE USER'S CONTENT
The User grants to idaciti the non-exclusive right to use all material entered into the Web Site by the User (other than third-party material transmitted through private electronic mail).
Users creating material into the Web Site are responsible for the content of that material. idaciti, Inc. does not have any responsibility for Other Content, including the content of any messages or information posted by Users or others, or for the content of information accessible via direct or indirect hyperlinks from the idaciti Web Site. However, idaciti retains the right, which it may or may not exercise in its sole discretion, to review, edit, or delete Other Content that idaciti deems to be illegal, offensive, or otherwise inappropriate.
You may not input or distribute any material through the idaciti Web Site that is promotional in nature, including solicitations for funds or business, without the prior written authorization of idaciti.
The User agrees to indemnify idaciti, Inc. and any third party data providers, from all damages, liabilities, costs, charges and expenses, including reasonable attorneys' fees, that idaciti, Inc., their affiliates, employees, and authorized representatives may incur as a result of either: (i) the User's breach of this Agreement; or (ii) material entered into the idaciti Web Site with the use of the User's screen name or password.

8. ADDITIONAL LEGAL TERMS
Subject to applicable laws and regulations, idaciti may discontinue or change the idaciti Web Site, or its availability to you, at any time. The terms of this Agreement will survive any such discontinuation.
This Agreement constitutes the entire agreement between the parties relating to the Web Site and supersedes any and all other agreements, oral or in writing, with respect to the Web Site. The failure of idaciti to insist upon strict compliance with any term of this Agreement shall not be construed as a waiver with regard to any subsequent failure to comply with such term or provision. This Agreement is personal to you, and you may not assign your rights or obligations to anyone. If any provision in this Agreement is invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect. This Agreement, your rights and obligations, and all actions contemplated by this Agreement shall be governed by the laws of the United States of America and California State. The parties agree that the State and Federal courts of California shall be the exclusive forums for any dispute arising out of this Agreement and the parties hereby consent to the personal jurisdiction of such courts.