How LendingTree Stays Rooted Through Storms & Other Threats

This site, Veoci.com is operated by Grey Wall Software, LLC ("Grey Wall"). These Terms of Service contain important information that governs our site. Please read them carefully. Grey Wall provides the Veoci.com site and related services (together referred to as the "Site") subject to your compliance with these Terms of Service ("TOS"). By using the Site, you agree to be bound by the terms and conditions set forth below. If you do not wish to be so bound, please exit the Site now.

Your sole recourse for dissatisfaction with the Site, or any products, services, content, or information available on or through the Site, is to stop using the Site and/or those particular services. Grey Wall reserves the right to amend the TOS from time to time by updating this page. Your continued use of the Site will indicate your acceptance of the revised TOS. Please bookmark this page and review it periodically for updates, to ensure that you are familiar with the most current version of our TOS.

As used in these TOS, the term "Affiliates" refers to Grey Wall's members, owners, subsidiaries, affiliated companies, suppliers, partners, sponsors, and advertisers, and includes without limitation all parties involved in creating, producing, and/or delivering the Site and/or its contents.

1. Intellectual Property Information

Copyright © Grey Wall Software, LLC. All Rights Reserved. All material within the Site is the property of Grey Wall or its Affiliates. With the exception of a single, personal copy, you may not reprint, republish, resell, or redistribute these materials in any form or manner without the express written permission of the owner(s) of the material. Grey Wall and its Affiliates do not warrant or represent that your use of materials displayed on, or obtained through, the Site will not infringe the rights of third parties.

"Grey Wall" and "Veoci" and "veoci.com" are trademarks of Grey Wall. All other trademarks are trademarks or registered trademarks of their respective owners. It is illegal to use any trademark, service mark, logo, and/or trade name of Grey Wall or its Affiliates without express permission.

Copyright Owners' Rights Under the Digital Millennium Copyright Act Of 1998. The Digital Millennium Copyright Act of 1998 (the "DMCA") provides recourse for copyright owners who believe that material appearing on the Internet infringes upon their rights under US copyright law. If you believe that materials hosted by Grey Wall infringe upon your copyright, you may request that the material be removed, or that access to it be blocked. If you believe that a notice of copyright infringement has been wrongly filed against you, the DMCA permits you to send Grey Wall a counter-notice. Notices and counter-notices must meet statutory requirements imposed by the DMCA. Notices and counter-notices for the Site should be sent to: Ken Moon, 195 Church Street, 14th Floor, New Haven, CT 06510, (203) 782-5944, ken@greywallsoftware.com. We suggest that you consult your legal advisor before filing a notice or counter-notice. Please be aware that there can be substantial penalties for false claims.

2. Information and Resources on the Site

While Grey Wall works hard to include accurate and up-to-date information in the Site, Grey Wall and its Affiliates: (a) make no warranties or representations as to the completeness, accuracy, currency, or availability of anything available (or intended to be available) on or through the Site; and (b) assume no liability or responsibility for any errors or omissions in the content of the Site (regardless of the cause) or for any resulting damages. If you do become aware of an error, please contact us using one of the forms provided in our Feedback section. Content available through the Site often represents the opinions and judgments of a content provider, member, or other entity not connected directly with Grey Wall. Grey Wall neither endorses nor is responsible for the accuracy or reliability of any opinion, advice, or statement made by anyone other than an authorized Grey Wall spokesperson acting in his/her official capacity. Under no circumstances will Grey Wall or its Affiliates be liable for any loss or damage caused by your reliance on information obtained on or through the Site. It is your responsibility to evaluate the accuracy, completeness, or usefulness of any information, opinion, advice, or other content available on or through the Site. We strongly suggest you consult your own professional advisor(s) before relying on any advice or information you obtain on or through the Site. Your use of the Site is at your own risk. Neither Grey Wall nor any of its Affiliates shall be liable for any direct, incidental, consequential, indirect, or punitive damages, whether under any contract, negligence, strict liability, or other theory, arising out of or in connection with: (a) your access to, or use of, the Site; (b) any products, services, information, activities, and/or materials available on or through the Site; (c) any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy found in or through the Site, regardless of its origin; (d) any breaches of security involving the Site or your account, or any lack of availability or operational problem of the Site; or (e) any viruses or other code that may affect your computer equipment or other property as a result of your use of the Site.

Without limiting the foregoing, everything available on or through the Site is provided to you "AS IS," without warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of these exclusions may not apply to you. Check your local laws for any restrictions or limitations regarding the exclusion of implied warranties.

Any warranty that is provided in connection with any products, services, materials, or information available on or through the Site from a third party is provided solely by such third party, and not by Grey Wall or any of its Affiliates.

3. Third Party Sites

Portions of the Site include links to sites operated by third parties (i.e., sites not owned or operated by Grey Wall). Use of third party sites is at your own risk. Grey Wall makes no warranty of any kind in connection with any third party site or any information, products, services, or materials available on or through any third party site. Grey Wall and its Affiliates do not endorse, and shall not be liable in connection with, any information or services available on or through any third party site. Third party sites may have their own agreements or policies governing use of their sites.

4. Visitor Conduct

You represent and warrant that your use of the Site will comply with any and all applicable local, state, and federal laws and regulations, and you are solely responsible for ensuring that your use of the Site is in compliance with such applicable laws or regulations. You agree not to restrict or inhibit any other user from using and enjoying the Site. This includes, without limitation: (a) using, or attempting to use, any account without the owner's permission, (b) obtaining or soliciting another person's password or other personal information under false pretenses, or (c) impersonating another user or otherwise misrepresenting yourself to Grey Wall, our Affiliates, the Site's systems, or other entities. Impersonation of Grey Wall personnel is grounds for immediate termination of access and your user account without notice.

5. Interfering (or attempting to interfere) with the operation of the Site

You represent and warrant that you will not interfere or attempt to interfere with the operation of the Site. This includes, without limitation: (a) interfering with, defeating, or circumventing any security function of the Site, or attempting to do so, or (b) accessing, or attempting to access, any portion of the Site that you are not authorized to access. Unauthorized access or an attempt to gain unauthorized access can subject you to civil and criminal penalties.

You further represent that you will not:

(a) Post, store, or transmit any unlawful, confidential, threatening, defamatory, obscene, inflammatory, pornographic, profane, or otherwise objectionable (as determined by Grey Wall) information or material, or any information or material that could constitute or encourage conduct that would be considered a criminal offense, give rise to civil liability, or otherwise violate any law;

(b) Post or transmit any advertising, promotion, or solicitation of goods or services for commercial purposes except in any areas of the Site specifically designated for such purposes;

(c) Post or transmit any competitively sensitive information or any other information that would violate the antitrust laws of the United States or any other jurisdiction;

(d) Misuse any e-mail function available on or through the Site (this includes, without limitation: (i) sending unsolicited commercial e-mail to any account that causes complaints from the recipients, (ii) continuing to send commercial e-mail to a recipient if the recipient has requested that you discontinue such communication, (iii) sending bulk e-mails, "spam" chain letters, "mail bombs," or other disruptive transmissions, or (iv) forging message headers or otherwise concealing an e-mail address or preventing others from responding to a message, or attempting to do so);

(e) Use the Site to post, store, or transmit any information or software that contains a virus, worm, Trojan horse, or other harmful or disruptive component;

(f) Use the Site to post, store, or transmit materials in violation of another party's privacy or its copyright or other intellectual property rights; or

(g) Use the Site for any unlawful purposes; or modify, adapt, sublicense, translate, resell, retransmit, reverse engineer, decompile, or disassemble any portion of the Site.

You are solely responsible for determining whether any material you post, store, or transmit is subject to a third party's rights. Grey Wall may from time to time monitor or review public Site discussions, chats, postings, transmissions, bulletin boards, and the like. However, Grey Wall is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations.

Grey Wall may keep archives of any or all public postings or submissions and its retains the right to publish these on the Site and in other media. Grey Wall may refuse to post, or may remove at any time, any information or material, in whole or in part, that Grey Wall determines is unacceptable, offensive, or in violation of these TOS. Grey Wall will cooperate with law enforcement authorities or court orders directing Grey Wall to disclose the identity of anyone posting any such information or materials. Grey Wall may immediately terminate or limit without notice any individual's use of all or portions of the Site and/or such user's account(s) in the event of any conduct by such user that Grey Wall, in its sole discretion, considers to be unacceptable, or in the event of any breach by such user of these TOS. Such termination may occur without notice to the user.

Subject to Grey Wall's Privacy Policy, any communication or material you transmit to the Site or to Grey Wall, whether by electronic mail or otherwise, for any reason, will be treated as non-confidential and non-proprietary. Grey Wall may use anything (together with any ideas, concepts, know-how, or techniques contained therein) that you transmit or post to the Site or to Grey Wall in any manner, for any purpose, without credit or compensation. Without limiting the generality of the forgoing, any information posted to the Site or ideas or suggestions for improving the Site (collectively, "Content") will be deemed to include a perpetual, irrevocable, royalty-free, nonexclusive right and license for Grey Wall to adopt, publish, translate, reproduce, distribute, redistribute, transmit, perform, digitize, copy, use, create derivative works, display (in whole or part) worldwide, or act on such Content without additional approval or consideration, in any form, media or technology now known or later developed for the full term of any rights that may exist in such Content, and you hereby waive any claim to the contrary.

6. Personal Information

You may be asked to supply certain personal information to use certain parts of the Site. Grey Wall will treat all personal information as described in our Privacy Policy. All personal information that you provide must be accurate, complete, and current. Please note that while we request that the entities with which we do business observe the guidelines of our Privacy Policy, we cannot be responsible for what they do with personal information that you provide.

7. Further Terms

Grey Wall may at any time, without prior notice: (a) cancel any user registration or account, or deny or limit any user's access to all or portions of the Site; (b) change or eliminate any component of the Site; and (c) impose, remove, or change any fees or charges for use of the Site or any feature thereof.

Although Grey Wall attempts to ensure the listing of accurate and up-to-date prices, offers, and other information, we will not be responsible for typographical or other errors, regardless of their cause.

Software available on or through the Site may be subject to United States Export Controls. No software from this Site may be downloaded or exported: (a) into (or to a national or resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country to which the United States has embargoed goods; or (b) anyone on the United States Treasury Department's list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders. By downloading or using the software, you represent and warrant that you are not located in, under the control of, or a national or resident of, any such country or on any such list.

You are solely responsible for maintaining the confidentiality of your account information and any password(s), and must immediately notify Grey Wall of any unauthorized use of your account.

Although the Site may be accessible worldwide, not all products, services, or information referenced in the Site are available to all persons in all geographic locations or jurisdictions. Grey Wall reserves the right to limit, in its sole discretion, the availability of the Site and/or the provision and quantity of any product, service, and/ or information to any person, geographic area, or jurisdiction it so desires. Any offer for any product, service, and/or information made in connection with the Site is void where prohibited by law.

Nothing contained in these TOS shall be construed to limit the actions or remedies available to Grey Wall or its Affiliates with respect to any prohibited activity or conduct. Non-enforcement of any of these TOS does not constitute consent or waiver, and Grey Wall reserves the right to enforce such term at its sole discretion.

You agree to indemnify, defend, and hold harmless Grey Wall, its officers, directors, members, Affiliates, employees, and agents from and against any and all claims, damages, costs, or other expenses that arise directly or indirectly from: (a) your breach of this Agreement, (b) your activities in connection with the Site, or (c) any other matter for which you are responsible hereunder or under law.

8. Miscellaneous

These TOS shall be governed by the laws of the State of Connecticut exclusive of its choice of law rules, and without regard to the United Nations Convention on the International Sales of Goods. Any action to be brought in connection with these TOS or the Site shall be brought exclusively in the state or federal courts located in the State of Connecticut, United States of America, and you irrevocably consent to the jurisdiction of such courts. In any action to enforce this Agreement, the prevailing party will be entitled to costs and attorneys' fees. In the event that any provision of these TOS is held to be unenforceable, such provision shall be limited or eliminated to the minimum extent necessary to keep these TOS otherwise in full force and effect.

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