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Wall Street Oasis » Blogs » Edmundo Braverman's blog
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The Dumbest Email I've Received in a While
 

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Edmundo Braverman's picture
Edmundo Braverman
      ST
 
 
(Human, 14,316
 
Points)
 on 8/16/12 at 10:07am
dunce-cap1-268x300.jpg

I get a lot of mail and PMs from you guys, and I know I'm not always as diligent about responding to them as you'd probably like me to be. Just know that if you send me something and I don't respond, it's because you're asking me something about which I have no background and, rather than waste your time with a non-answer, I just trust that you'll seek out a more appropriate source.

However, every so often I get something really off the wall. Now, I expect that because this is the Internet after all, so it's usually no big deal. But the other day I got an email from a WSO user that crossed the line, and I'm going to re-print it here in its entirety so you guys can see a good example of how not to approach a stranger on the Internet. I'm not going to name and shame, because that's really not my style - but you know who you are.

Without further ado:

Hi Eddie

I enjoy your posts very much. I need your advice on something. My friend is a trader at a prop firm in NYC, who is having trouble making his numbers. He has a family and is afraid of losing his job.

I know this sounds nasty, but he has a friend at the SEC who's rogue if you know what I mean. His friend said that if he gets inside info, he would do his best to hide it for him at the SEC (if he doesn't go too far like Raj Raj).

But he doesn't have any sources for getting this info. He doesn't know anyone in banking, and I told him that he isn't going to find someone who would immediately agree to share this kind of info with him. However his time at work is running out and he needs to get this "edge" fast or everything he worked for is in trouble.

How do traders do what he needs to do? What is the way traders used to do this? He wouldn't do this if he wasn't desperate. He's taking the risk that he gets caught and he says he's ok with that if his family has money.

Note that my email address is REDACTED (NOT the one listed at the top) or you could just contact me through this site if you even want to give advice on this kind of thing.

Since I received this email a couple hours after posting my piece on Sergey Aleynikov being arrested again, I even half-suspected that its source might be an overzealous intern at the Manhattan DA's office trying to soft-solicit a felony and not realizing that this would be entrapment. Who knows? Maybe it is. (And in the off chance that it is, here's a nickel's worth of free advice, kid: If Cyrus Vance knew you did something like this, he'd sling your sorry ass so fast it would make your head spin, so quit trying to get cute.)

Far more likely, however, is that it came from one among us: a WSO user who isn't very bright. First of all, cold approaching me about committing a crime is going to piss me off; it speaks to your estimation of my intelligence or of my character, specifically my lack of either or both.

Second, an email like this implicates not only yourself, but your "buddy" (I'll bet he's stoked you're soliciting a felony from a stranger on the Internet on his behalf), and the allegedly bent SEC employee he supposedly has in his pocket. You, sir, are a fucktard.

Now I could use a little help from you guys, so the kid learns a lesson.

What would you say to someone who sent you an email like this out of the blue? What would you do with it (assuming you didn't have access to a 75,000 member forum where you could front-page his dumb ass)? What would you tell this guy so he didn't make the same mistake again?

Consider it a public service.

And keep the emails coming. You know I'll help if I can (and you're not retarded).

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Tags:
  • idiots
  • email PHAIL

Comments

RichardPennybags's picture

Lol, not sure if this is

RichardPennybags
      ST
 
(Senior Orangutan, 412
 
Points)
 on 8/16/12 at 7:50am

Lol, not sure if this is serious:) Maybe he is just trolling?

If that is not the case - he should look into political careers in Eastern Europe.

P.S I once posted in some discussion, as a joke obviously, that "I am giving away 3 internships at KKR on a first come first serve basis". Got like 20 inbox messages. Really? Do people not think at all?

"Every man should lose a battle in his youth, so he does not lose a war when he is old"

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blastoise's picture

sounds like a 3rd grader

blastoise
      O
 
(Senior Neanderthal, 4,380
 
Points)
 on 8/16/12 at 7:59am

sounds like a 3rd grader wrote it

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blastoise's picture

Eddie Braverman you will

blastoise
      O
 
(Senior Neanderthal, 4,380
 
Points)
 on 8/16/12 at 8:00am

Eddie Braverman you will always be my Raj Raj you fluffy wuffy Rajie Poo

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BlackHat's picture

This puts to shame most, hell

BlackHat
      HF
 
 
(Senior Neanderthal, 4,927
 
Points)
 on 8/16/12 at 8:01am

This puts to shame most, hell - probably all, of the retarded shit I've been PM'd in my short time here...

I hate victims who respect their executioners

Follow BH & Co. on Twitter: @DumbLuckCapital
twitter.com/DumbLuckCapital

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shark-monkey's picture

Haaa! High School kids keep

shark-monkey
      HF
 
 
(Senior Orangutan, 381
 
Points)
 on 8/16/12 at 8:24am

Haaa! High School kids keep on doing you!

Fear is the greatest motivator. Motivation is what it takes to find profit.

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LetsGoSailing's picture

I can help this kid and his

LetsGoSailing
     
 
(Monkey, 60
 
Points)
 on 8/16/12 at 8:36am

I can help this kid and his friend out...I have a close relationship with the Nigerian Prime Minister who is trying to move some money to the US, and needs a couple of sharp guy like these two...

A good friend will come and bail you out of jail...but a true friend will be sitting next to you saying, "Damn...that was fun!"

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RichardPennybags's picture

BlackHat: This puts to shame

RichardPennybags
      ST
 
(Senior Orangutan, 412
 
Points)
 on 8/16/12 at 8:53am
BlackHat:

This puts to shame most, hell - probably all, of the retarded shit I've been PM'd in my short time here...

Man, cmon, after a post like this you have to quote some stuff you've received:)

"Every man should lose a battle in his youth, so he does not lose a war when he is old"

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damngringo's picture

When I was reading the title,

damngringo
      O
 
(Baboon, 118
 
Points)
 on 8/16/12 at 9:03am

When I was reading the title, I was afraid that my msg to Eddie was the dumbest (now looking back at it, it was - thanks for not replying), but this shit just beats it senseless with a 1 ft dildo

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BlackHat's picture

I got this message right

BlackHat
      HF
 
 
(Senior Neanderthal, 4,927
 
Points)
 on 8/16/12 at 9:11am

I got this message right around the time I made that first post about the research process at my firm:

Greetings BlackHat,

My name is [Redacted], and I am a sophmore at [Ivy League school] interested in beginning my journey to success and happiness at hedge fund like yours. I have chosen you to become my elder mentor who will guide me along my way much like a father figure.

We will only need to meet once or twice monthly for dinner or drinks to discuss career paths, lifestyle, and talk about successful investing ideas. I know you will be the right canidate for my choice so this will be benefit for both of us.

If you must miss a dinner meeting we must rescedule for another time, but I am very busy so it must fit to my timeline or else this will not work. Contact me with the first date you want to meet with location.

Kind regards,
[Redacted]
[Contact Information]

I was too beside myself to even respond.

I hate victims who respect their executioners

Follow BH & Co. on Twitter: @DumbLuckCapital
twitter.com/DumbLuckCapital

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happypantsmcgee's picture

This crosses some sort of

happypantsmcgee
      O
 
 
(Almost Human, 9,621
 
Points)
 on 8/16/12 at 9:13am

This crosses some sort of boundary from Dumbest email to flat out offensive and retarded.

If I had asked people what they wanted, they would have said faster horses - Henry Ford

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adapt or die's picture

Mr. Pennybags, I would love

adapt or die
     
 
(King Kong, 1,229
 
Points)
 on 8/16/12 at 9:16am

Mr. Pennybags,

I would love to be considered for one of your KKR internships. I believe I could be a valuable asset to your team due to my wide knowledge base and experience. Can you please, at your nearest convenience, PM me your email address such that I can send you my cover letter and resume for consideration.

Regards,

Phong Chiang Wu

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Ben Shalom Bernanke's picture

What an asshole

Ben Shalom Bernanke
      AM
 
 
(King Kong, 1,423
 
Points)
 on 8/16/12 at 9:19am

What an asshole

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Febreeze's picture

BlackHat: I got this message

Febreeze
     
 
(King Kong, 1,151
 
Points)
 on 8/16/12 at 9:23am
BlackHat:

I got this message right around the time I made that first post about the research process at my firm:

Greetings BlackHat,

My name is [Redacted], and I am a sophmore at [Ivy League school] interested in beginning my journey to success and happiness at hedge fund like yours. I have chosen you to become my elder mentor who will guide me along my way much like a father figure.

We will only need to meet once or twice monthly for dinner or drinks to discuss career paths, lifestyle, and talk about successful investing ideas. I know you will be the right canidate for my choice so this will be benefit for both of us.

If you must miss a dinner meeting we must rescedule for another time, but I am very busy so it must fit to my timeline or else this will not work. Contact me with the first date you want to meet with location.

Kind regards,
[Redacted]
[Contact Information]

I was too beside myself to even respond.

LOL

that was epic +1

RIP WSO Chat.

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Virginia Tech 4ever's picture

BlackHat: I got this message

Virginia Tech 4ever
      EN
 
 
(Neanderthal, 2,319
 
Points)
 on 8/16/12 at 9:26am
BlackHat:

I got this message right around the time I made that first post about the research process at my firm:

Greetings BlackHat,

My name is [Redacted], and I am a sophmore at [Ivy League school] interested in beginning my journey to success and happiness at hedge fund like yours. I have chosen you to become my elder mentor who will guide me along my way much like a father figure.

We will only need to meet once or twice monthly for dinner or drinks to discuss career paths, lifestyle, and talk about successful investing ideas. I know you will be the right canidate for my choice so this will be benefit for both of us.

If you must miss a dinner meeting we must rescedule for another time, but I am very busy so it must fit to my timeline or else this will not work. Contact me with the first date you want to meet with location.

Kind regards,
[Redacted]
[Contact Information]

I was too beside myself to even respond.

This can't be serious...This CANNOT be serious...Are you f*cking serious? A guy cold emails/PMs you and tells you that you are going to be his mentor, sets out guidelines for when he can meet and how you should re-schedule when you can't meet, and then proceeds to issue orders.

I'm not sure which one of these is dumber--the felon or the guy with aspergers.

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Bobb's picture

BlackHat: I got this message

Bobb
      AM
 
 
(Senior Gorilla, 929
 
Points)
 on 8/16/12 at 9:32am
BlackHat:

I got this message right around the time I made that first post about the research process at my firm:

Greetings BlackHat,

My name is [Redacted], and I am a sophmore at [Ivy League school] interested in beginning my journey to success and happiness at hedge fund like yours. I have chosen you to become my elder mentor who will guide me along my way much like a father figure.

We will only need to meet once or twice monthly for dinner or drinks to discuss career paths, lifestyle, and talk about successful investing ideas. I know you will be the right canidate for my choice so this will be benefit for both of us.

If you must miss a dinner meeting we must rescedule for another time, but I am very busy so it must fit to my timeline or else this will not work. Contact me with the first date you want to meet with location.

Kind regards,
[Redacted]
[Contact Information]

I was too beside myself to even respond.

dude, congrats! He chose you...you should feel honored to be his mentor!

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BlackHat's picture

Virginia Tech 4ever: This

BlackHat
      HF
 
 
(Senior Neanderthal, 4,927
 
Points)
 on 8/16/12 at 9:34am
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I hate victims who respect their executioners

Follow BH & Co. on Twitter: @DumbLuckCapital
twitter.com/DumbLuckCapital

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Febreeze's picture

BlackHat: Virginia Tech

Febreeze
     
 
(King Kong, 1,151
 
Points)
 on 8/16/12 at 9:35am

RIP WSO Chat.

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ladubs111's picture

Virginia Tech

ladubs111
      IA
 
(Senior Orangutan, 431
 
Points)
 on 8/16/12 at 9:41am
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SonnyZH's picture

BlackHat's PM ftw. Eddie's

SonnyZH
      HF
 
(Senior Gorilla, 963
 
Points)
 on 8/16/12 at 9:48am

The HBS guys have MAD SWAGGER. They frequently wear their class jackets to boston bars, strutting and acting like they own the joint. They just ooze success, confidence, swagger, basically attributes of alpha males.

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eignenvector's picture

I would tell him Blue

eignenvector
      AM
 
(Monkey, 60
 
Points)
 on 8/16/12 at 9:53am

"When you expect things to happen - strangely enough - they do happen."
- JP Morgan

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Febreeze's picture

SonnyZH: BlackHat's PM

Febreeze
     
 
(King Kong, 1,151
 
Points)
 on 8/16/12 at 9:54am

RIP WSO Chat.

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Neighbor's picture

BlackHat, I'm excited to

Neighbor
      IB
 
(King Kong, 1,236
 
Points)
 on 8/16/12 at 10:00am

I didn't say it was your fault, I said I was blaming you.

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Edmundo Braverman's picture

BlackHat: Odds on this kid

Edmundo Braverman
      ST
 
 
(Human, 14,316
 
Points)
 on 8/16/12 at 10:01am

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BlackHat's picture

Febreeze: SonnyZH: BlackHat

BlackHat
      HF
 
 
(Senior Neanderthal, 4,927
 
Points)
 on 8/16/12 at 10:04am

I hate victims who respect their executioners

Follow BH & Co. on Twitter: @DumbLuckCapital
twitter.com/DumbLuckCapital

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SonnyZH's picture

BlackHat: I should have seen

SonnyZH
      HF
 
(Senior Gorilla, 963
 
Points)
 on 8/16/12 at 10:15am

The HBS guys have MAD SWAGGER. They frequently wear their class jackets to boston bars, strutting and acting like they own the joint. They just ooze success, confidence, swagger, basically attributes of alpha males.

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Disincentivy's picture

Eddie, Please send me this

Disincentivy
      VC
 
 
(Gorilla, 713
 
Points)
 on 8/16/12 at 10:21am

I may not be on the Jedi Council, but I sure am great with the Force.

See my WSO blog posts

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Abdel's picture

ha, for a second I thought

Abdel
      O
 
(Neanderthal, 2,064
 
Points)
 on 8/16/12 at 10:29am
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happypantsmcgee's picture

I've gotten something like

happypantsmcgee
      O
 
 
(Almost Human, 9,621
 
Points)
 on 8/16/12 at 10:25am

If I had asked people what they wanted, they would have said faster horses - Henry Ford

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Edmundo Braverman's picture

BlackHat: Febreeze: Sonny

Edmundo Braverman
      ST
 
 
(Human, 14,316
 
Points)
 on 8/16/12 at 10:29am

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sanjose04's picture

LMAO! Can't be serious. It's

sanjose04
      IB
 
(Orangutan, 335
 
Points)
 on 8/16/12 at 10:34am
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BlackHat's picture

SonnyZH: BlackHat: I should

BlackHat
      HF
 
 
(Senior Neanderthal, 4,927
 
Points)
 on 8/16/12 at 10:42am

I hate victims who respect their executioners

Follow BH & Co. on Twitter: @DumbLuckCapital
twitter.com/DumbLuckCapital

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oR3DL1N3o's picture

eignenvector: I would tell

oR3DL1N3o
      IB
 
(Orangutan, 319
 
Points)
 on 8/16/12 at 10:50am
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GS's picture

BlackHat: I got this message

GS
      ST
 
(Senior Gorilla, 902
 
Points)
 on 8/16/12 at 11:00am
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Going Concern's picture

eignenvector: I would tell

Going Concern
     
 
 
(King Kong, 1,675
 
Points)
 on 8/16/12 at 11:03am

And I think it's gonna be a long, long, time

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Ron Paul's picture

BlackHat: This puts to shame

Ron Paul
     
 
(Senior Gorilla, 916
 
Points)
 on 8/16/12 at 11:11am
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BTbanker's picture

Will you at least call me

BTbanker
      IB
 
(Senior Neanderthal, 5,329
 
Points)
 on 8/16/12 at 12:17pm

"A man generally has two reasons for doing anything. One that sounds good, and the real one." - J.P. Morgan

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tiger2012's picture

Neighbor: BlackHat, I'm

tiger2012
      ER
 
 
(Senior Baboon, 228
 
Points)
 on 8/16/12 at 11:28am
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WSOusername's picture

I don't know how long I've

WSOusername
     
 
(Senior Gorilla, 947
 
Points)
 on 8/16/12 at 12:39pm

GBS

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WallStreetOasis.com's picture

GoldmanBallSachs: I don't

WallStreetOasis.com
      EN
 
 
(Human, 12,031
 
Points)
 on 8/16/12 at 12:43pm

WSO Conference 2013

Private Certified User Chat

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MCI123's picture

lol.[ quote=Edmundo

MCI123
     
 
(Senior Chimp, 29
 
Points)
 on 8/16/12 at 12:44pm
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BlackHat's picture

What's an "elder mentor," for

BlackHat
      HF
 
 
(Senior Neanderthal, 4,927
 
Points)
 on 8/16/12 at 12:47pm

I hate victims who respect their executioners

Follow BH & Co. on Twitter: @DumbLuckCapital
twitter.com/DumbLuckCapital

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tiger2012's picture

BlackHat: What's an "elder

tiger2012
      ER
 
 
(Senior Baboon, 228
 
Points)
 on 8/16/12 at 12:52pm
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BlackHat's picture

tiger2012: BlackHat: What's

BlackHat
      HF
 
 
(Senior Neanderthal, 4,927
 
Points)
 on 8/16/12 at 12:56pm

I hate victims who respect their executioners

Follow BH & Co. on Twitter: @DumbLuckCapital
twitter.com/DumbLuckCapital

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WalMartShopper's picture

lol entitled douches like

WalMartShopper
     
 
(Senior Gorilla, 888
 
Points)
 on 8/16/12 at 12:57pm

If the glove don't fit, you must acquit!

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tiger2012's picture

BlackHat: tiger2012: Blac

tiger2012
      ER
 
 
(Senior Baboon, 228
 
Points)
 on 8/16/12 at 1:01pm
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WalMartShopper's picture

BlackHat: tiger2012: Blac

WalMartShopper
     
 
(Senior Gorilla, 888
 
Points)
 on 8/16/12 at 1:05pm

If the glove don't fit, you must acquit!

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Edmundo Braverman's picture

Holy shit. Homeboy's in shape

Edmundo Braverman
      ST
 
 
(Human, 14,316
 
Points)
 on 8/16/12 at 1:23pm

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D M's picture

RichardPennybags: Lol, not

D M
      O
 
(Senior Neanderthal, 4,791
 
Points)
 on 8/16/12 at 3:01pm

"WSO is like the 300 for anti spamage. None shall pass." -happypantsmcgee
"You stop being an asshole when it sucks to be you." -IlliniProgrammer

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Twigga's picture

Funny stuff, Eddie. Who

Twigga
      O
 
(Monkey, 50
 
Points)
 on 8/16/12 at 5:26pm
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sayandarula's picture

this is great. i don't know

sayandarula
      O
 
 
(King Kong, 1,812
 
Points)
 on 8/16/12 at 7:05pm

Money Never Sleeps? More like Money Never SUCKS amirite?!?!?!?

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The Company authorizes you to view and download a single copy of the material on www.WallStreetOasis.com (the "Web Site") solely for your personal, noncommercial use. By using the Web Site you are giving the Company the sole right to use any and all content you generate or publish on the site for commercial, non-commercial or promotional purposes. This includes any and all forum posts, comments, blog posts or any other material you generate on the Web Site.

The contents of this Web Site, such as text, graphics, images, logos, button icons, software and other items (collectively, "Material"), are protected under both United States and foreign copyright, trademark and other laws. All Material is the property of the Company or its content suppliers or clients. The compilation (meaning the collection, arrangement and assembly) of all content on this Web Site is the exclusive property of the Company and protected by U.S. and international copyright laws. Unauthorized use of the Material may violate copyright, trademark, and other laws. You must retain all copyright, trademark, service-mark and other proprietary notices contained in the original Material on any copy you make of the Material. You may not sell or modify the Material or reproduce, display, publicly perform, distribute, or otherwise use the Material in any way for any public or commercial purpose. The use of the Material on any other web site or in a networked computer environment for any purpose is prohibited.

You shall not copy or adapt the HTML code that the Company creates to generate its pages. It is also protected by the Company?s copyright.

Acceptable Site Use.

General Rules: Users may not use the Web Site in order to transmit, distribute, store or destroy material (a) in violation of any applicable law or regulation, (b) in a manner that will infringe the copyright, trademark, trade secret or other intellectual property rights of others or violate the privacy, publicity or other personal rights of others, or (c) that is defamatory, obscene, threatening, abusive or hateful.

Web Site Security Rules. Users are prohibited from violating or attempting to violate the security of the Web Site, including, without limitation, (a) accessing data not intended for such user or logging into a server or account which the user is not authorized to access, (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization, (c) attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus to the Web Site, overloading, "flooding", "spamming", "mailbombing" or "crashing", (d) sending unsolicited e-mail, including promotions and/or advertising of products or services, or (e) forging any TCP/IP packet header or any part of the header information in any e-mail. Violations of system or network security may result in civil or criminal liability. The Company will investigate occurrences which may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting users who are involved in such violations.

Specific Prohibited Uses.

The Company specifically prohibits any use of the Web Site, and all users agree not to use the Web Site, for any of the following:

  • Posting any incomplete, false or inaccurate biographical information or information which is not your own accurate resume
  • Using any device, software or routine to interfere or attempt to interfere with the proper working of this Web Site or any activity being conducted on this site.
  • Taking any action which imposes an unreasonable or disproportionately large load on this Web Site?s infrastructure.
  • If you have a password allowing access to a non-public area of this Web Site, disclosing to or sharing your password with any third parties or using your password for any unauthorized purpose.
  • Notwithstanding anything to the contrary contained herein, using or attempting to use any engine, software, tool, agent or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search this Web Site other than the search engine and search agents available from the Company on this Web Site and other than generally available third party web browsers (e.g., Netscape Navigator, Microsoft Explorer).
  • Attempting to decipher, decompile, disassemble or reverse engineer any of the software comprising or in any way making up a part of the Web Site.
  • Aggregating, copying or duplicating in any manner any of the materials or information available from the Web Site.
  • Framing of or linking to any of the materials or information available from the Web Site.

User Information.

When you register for the Web Site, you will be asked to provide the Company with certain information including, without limitation, a valid email address (your "Information"). In addition to the terms and conditions that may be set forth in any privacy policy on this Web Site, you understand and agree that the Company may disclose to third parties, on an anonymous basis, certain aggregate information contained in your registration application. The Company reserves the right to offer third party services and products to you based on the preferences that you identify in your registration and at any time thereafter; such offers may be made by the Company or by third parties. Please see the Company's Privacy Policy below for further details regarding your Information.

Registration and Password.

You are responsible for maintaining the confidentiality of your information and password. You shall be responsible for all uses of your registration, whether or not authorized by you. You agree to immediately notify the Company of any unauthorized use of your registration or password.

The Company's Liability.

As a condition to your use of this site, you release the Company (and our agents and employees) from claims, demands and damages (actual and consequential, direct and indirect) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes. If you are a California resident, you waive California Civil Code d1542, which says: "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor."

We are under no legal obligation to, and generally do not, control the information provided by other users which is made available through the Web Site. By its very nature, other people?s information may be offensive, harmful or inaccurate, and in some cases will be mislabeled or deceptively labeled. We expect that you will use caution and common sense when using this Web Site.

The Material may contain inaccuracies or typographical errors. The Company makes no representations about the accuracy, reliability, completeness, or timeliness of the Web Site or the Material. The use of the Web Site and the Material is at your own risk. Changes are periodically made to the Web Site and may be made at any time.

You acknowledge and agree that you are solely responsible for the content and accuracy of any resume or material contained therein placed by you on the Web Site and you agree to let any users that are identified as recruiters (designated in the sole discretion of the Company) to have access to your resume.

The Company is not to be considered to be an employer with respect to your use of the Web Site and the Company shall not be responsible for any employment decisions, for whatever reason made, made by any entity posting jobs on the Web Site.

THE COMPANY DOES NOT WARRANT THAT THE WEB SITE WILL OPERATE ERROR-FREE OR THAT THE WEB SITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL MECHANISMS. IF YOUR USE OF THE WEB SITE OR THE MATERIAL RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, THE COMPANY IS NOT RESPONSIBLE FOR THOSE COSTS.

THE WEB SITE AND MATERIAL ARE PROVIDED ON AN "AS IS" BASIS WITHOUT ANY WARRANTIES OF ANY KIND. THE COMPANY, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING THE WARRANTY OF MERCHANTABILITY, FITNESS FOR PARTICULAR PURPOSE AND NON-INFRINGEMENT. THE COMPANY MAKES NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE MATERIAL, SERVICES, SOFTWARE, TEXT, GRAPHICS, AND LINKS.

Disclaimer of Consequential Damages.

IN NO EVENT SHALL THE COMPANY, ITS SUPPLIERS, OR ANY THIRD PARTIES MENTIONED ON THE WEB SITE BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL AND CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) RESULTING FROM THE USE OR INABILITY TO USE THE WEB SITE AND THE MATERIAL, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Links to Other Sites.

The Web Site may contain links to third party web sites. These links are provided solely as a convenience to you and not as an endorsement by the Company of the contents on such third-party Web sites. The Company is not responsible for the content of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party Web sites. If you decide to access linked third party Web sites, you do so at your own risk.

No Resale or Unauthorized Commercial Use.

You agree not to resell or assign your rights or obligations under these Term of Use. You also agree not to make any unauthorized commercial use of the Web Site.

Limitation of Liability.

The aggregate liability for the Company to you for all claims arising from the use of the Materials is limited to $1.

Termination.

The Company reserves the right, at its sole discretion, to pursue all of its legal remedies, including but not limited to immediate termination of your registration with or ability to access the Web Site and/or any other service provided to you by the Company, upon any breach by you of these Terms and Conditions or if the Company is unable to verify or authenticate any information you submit to the Web Site registration with or ability to access the Web Site.

Indemnity.

You agree to defend, indemnify, and hold harmless the Company, its officers, directors, employees and agents, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of the Material or your breach of the terms of these Terms and Conditions. The Company shall provide notice to you promptly of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit or proceeding.

General.

The Company makes no claims that the Materials may be lawfully viewed or downloaded outside of the United States. Access to the Materials may not be legal by certain persons or in certain countries. If you access the Web Site from outside of the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction. These Terms and conditions are governed by the internal substantive laws of the State of New York, without respect to its conflict of laws principles. Jurisdiction for any claims arising under this agreement shall lie exclusively with the state or federal courts within New York, New York. If any provision of these Terms and Conditions are found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions, which shall remain in full force and effect. No waiver of any term of these Terms and Conditions shall be deemed a further or continuing waiver of such term or any other term. Except as expressly provided in additional terms of use for areas of the Web Site a particular "Legal Notice," or Software License or Material on particular Web pages, these Terms and Conditions constitute the entire agreement between you and the Company with respect to the use of Web Site. No changes to these Terms and Conditions shall be made except by a revised posting on this page.

PRIVACY POLICY

The Company recognizes that you are concerned about privacy. We are committed to preserving your privacy and safeguarding your sensitive information. The following statement describes the general information-gathering and usage practices of our sites.

Our staff, contractors, Internet service providers and others involved in this site follow this policy or similarly strict policies regarding your Information.

Disclosure

The Company is committed to fully disclosing our policies regarding the collection, use, maintenance, disclosure and security of personal information obtained from users of our site. The term "personal information" includes a name, address, email address, or any other information which could be used to contact you directly or to identify you personally.

Use and Disclosure Limitations

The Company only uses personal information about its Web site users for specific purposes. We do not share user information with third parties except when we have told users about the disclosures, when we have prior consent, or when required by law.

Use Policy: When the Company gathers personal information from users, we ask for permission first. We also disclose, at the time of collection, how the information will be used by us. Personal information is used for activities such as auto-completion of commonly-used forms and helping us contact you when you solicit information from us.

Disclosure Policy: We do not normally disclose personal information to anyone outside of the Company unless we have previously informed users about the disclosures. However, some data may be used from time to time by outside contractors, including auditors or consultants, to assist us in carrying out necessary financial or operational activities. These uses will be consistent with this privacy policy and all contractors using this potential personal information must agree to safeguard it, to use it only for the authorized purpose, and to return it or destroy it upon completion of the activity.

The Company might be required to disclose personal information in response to a valid legal process such as a subpoena, search warrant or court order.

Although unlikely, it is possible that we may have to make certain disclosures to ensure the security of our Web site, to protect its integrity, or to take precautions against potential liability. In any of these situations, we will take any reasonable steps to limit the scope of the data disclosed.

Web Logs: The Company maintains standard Web logs that record basic information about visitors to our Web site. These logs contain: * The Internet domain from which you came to our Web site. * Your IP address. An IP address is a series of numbers which uniquely identifies your connection to the Internet. Although it is possible in some instances, certain types of IP addresses may be used by interested persons to identify users but we do not attempt to identify users in this way. * The type of browser (e.g., Internet Explorer or Netscape) and operating system (e.g., Windows 98) you use. * The date and time you visited the site, and the pages you saw.

We use Web log information to design our Web site, identify popular features, and in similar ways. We do not try to identify individuals from Web logs or to link Web logs to other user information. However, if someone tries to damage our Web site or use it in an unauthorized or illegal way, we may share Web log information with law enforcement agencies. The Company may provide aggregate information such as the number of users who visit particular pages of the site, or the number of people who link to certain external sites from our site, to other parties.

Changes to Privacy Policy

The Company's features and services will change over time and our information-gathering practices and policies may also change.

While our philosophy of protecting user information from inappropriate uses and disclosures will not change, this policy will be updated occasionally to include any change that materially affects the collection, maintenance, use, or disclosure of personal information.

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