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By using the Site and transmitting an unsolicited submission to us, you agree that you are not entitled to any compensation, credit or notice whatsoever with respect to such submission, and that by sending an unsolicited submission you waive the right to make any claim against the Site, PBCI and its parents, affiliated companies, officers, directors or employees relating to our use of such submission, including, without limitation, infringement of proprietary rights, unfair competition, breach of implied contract or breach of confidentiality, even if material or an idea is used that is or may be substantially similar to the idea you sent. All User Content provided to the Site is the sole responsibility of the person who provided it.

You also hereby grant each user of the Site a non-exclusive license to access your User Content through the Site, and to use, reproduce, distribute, display and perform such User Content as permitted through the functionality of the Site and under these Terms. We are happy to hear from our users and welcome feedback regarding our Site.

All rights in this section are granted without the need for additional compensation of any sort by PBCI to you or to any other person or entity.

You agree that you will indemnify, defend, and hold harmless PBCI and its officers, directors and employees for all claims resulting from User Content you post.

If you believe someone has accessed the Site using your registration account and password without your authorization, e-mail us immediately at [email protected] By placing material on the Site, including but not limited to posting content or communications to any Site bulletin board, forum, blogspace, message or chat area, or posting text, images, audio files, video clips, or any audio-visual content to the Site (collectively, “User Content”), you represent and warrant: (1) you own or otherwise have all necessary rights to the User Content you provide and the rights to provide it under these Terms; and (2) the User Content will not cause injury to any person, group or entity. For all User Content you post, upload, or otherwise make available (in this section – “Provide”) to the Site, you grant PBCI a worldwide, royalty-free, perpetual, irrevocable, non-exclusive right and fully sub-licensable, assignable and transferrable license to use, copy, reproduce, distribute, publish, publicly perform, publicly display, modify, adapt, translate, archive, store, and create derivative works from such User Content, in whole or in part, in any form, format, or medium, of any kind now known or later developed.

Without limiting the generality of the previous sentence, you authorize PBCI to: (i) share the User Content across all websites, mobile applications, publications and other online and offline services affiliated with PBCI; (ii) include the User Content in a searchable format accessible by users of the Site and other PBCI websites, mobile applications, publications and other online services; (iii) place advertisements in close proximity to such User Content; and (iv) use your name, likeness and any other information you Provide in connection with our use of the material you Provide.

We reserve the right to terminate your access and use of the Site, in whole or in part, if more than one individual access the Site using any single registration account.

You are responsible for maintaining the confidentiality of your password and for restricting access to your computer so others may not access the Site using your name in whole or in part without your permission.

The Site reserves the right to deny access to any person who violates these Terms. The Site is intended solely for persons who are 18 years old or older.