Welcome to jdowney.wise-broker.com. These Terms of Use govern your access to and use of this Site. By accessing or using the Site, you agree to be bound by these Terms; if you do not agree, you must not use the Site.
For the purposes of these Terms of Use:
“You”, “Your”, or “User” refers to any individual or entity accessing or using this Site.
“We”, “Us”, “Our”, or “Company” refers to John Downey, the site owner or operator.
“Parties” refers to both you and John Downey collectively.
Words in the singular include the plural and vice versa; capitalization and gender references are interchangeable where context permits.
This Site uses cookies to enhance user experience and site functionality. By using the Site, you consent to the use of cookies as described in the applicable Privacy Policy. Cookies may be used to:
Store user preferences.
Enable interactive features.
Collect analytics to improve performance and usability.
You may disable cookies through your browser settings; however, some features of the Site may not function properly as a result.
Unless otherwise stated, all content on this Site—including text, images, graphics, logos, and other materials—is owned by or licensed to John Downey and is protected by applicable intellectual property laws. You may access and use the Site for personal, non-commercial purposes only. You may not, without prior written permission:
Reproduce, duplicate, copy, sell, or redistribute Site content.
Republish content on other websites or platforms.
Use any content for commercial purposes.
Certain areas of the Site may allow users to submit comments or other content; such content reflects the views of the user and not John Downey.
We reserve the right to monitor, edit, or remove user content at our sole discretion if it is deemed inappropriate, offensive, or in violation of these Terms.
By submitting content, you represent and warrant that it does not infringe any intellectual property rights, is not defamatory or unlawful, and is not used for solicitation or advertising.
You grant us a non-exclusive, royalty-free license to use, reproduce, modify, and display your submitted content in any media.
The following organizations may link to the Site without prior written approval: government agencies, search engines, news organizations, and accredited businesses (excluding charitable solicitation). Links must:
Not be deceptive or misleading.
Not imply sponsorship, endorsement, or affiliation without authorization.
Be contextually relevant.
Other entities may request permission to link; approval is granted at our discretion.
You may not frame or embed this Site or any of its pages in a way that alters its visual presentation or branding without prior written consent.
We are not responsible for content appearing on third-party websites. You agree to indemnify and hold John Downey harmless from any claims or liabilities arising from your use of third-party content or links.
Your use of this Site is also governed by our Privacy Policy.
We reserve the right to request removal of any links to the Site and to modify, update, or replace these Terms of Use at any time. Continued use constitutes acceptance of revised Terms.
To the fullest extent permitted by law:
The Site is provided on an “as is” and “as available” basis.
We make no warranties regarding accuracy, reliability, or availability.
John Downey is not liable for any loss or damage arising from use of the Site, except where liability cannot be excluded under applicable law (such as fraud or personal injury).
