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Wall Street Oasis » Blogs » Financier4Hire's blog
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The REAL Reason You Didn't Get That Job
 

Financier4Hire's picture
Financier4Hire
      PE
 
(King Kong, 1,087
 
Points)
 on 11/15/12 at 11:00am
Hot Bitch Took My Job Away

You tried hard. You went through first, second, and even third round interviews but you still didn't get that job. Why ? That's probably not the first question in your mind, and, in many cases, you wouldn't know the outcome of the search to begin with. And even if you did know who the person was that got it, you might just assume they did and/or were better than you.

As it happens - and it's been observed everywhere, whether you live in America, China, India or Russia - it's NOT your Resume, it's NOT your GPA (grades) or SAT/GMAT. It is not your work history which, while not perfect, was in line and perhaps superior to requirements. It's not your references, your "alignment" or "culture" fit.

What you don't know can hurt you, Or can't it ? What you didn't know is the job went to the long legged pretty girl who was up against you and dozens or more other males.

This is NOT on any statistic, nor on any bank HR memo, but for those who've seen it enough, it' s a part of life. It goes contrary to the (wrong) general assumption that alpha males are the most sought after contingent on Wall Street. High achievers, target schools, and more horseshit. A lot of that is observed, but on one-on-one interviews, it seems the chick with long legs, and round ass "makes the rounds" better than any Harvard/Yale male geek, entrepreneur, or hard-worker. . Actually that goes up the ranks a whole lot further , to CEOs, CFOs, executives and government authority positions.

Soft skills, hard skills, personality skills, technical skills, IQ, they could't get you that job that "hottie little body" skills can get in this world. You've been out-ASSED and you didn't even know it.

You read the WSJ on flirting - the gamesmanship that no one learns at Harvard or anywhere, for that matter-

I've used my big, blue eyes and smile to get everything I ever wanted" says Ms. Wilson, owner of a Seattle marketing firm. "Flirting opens doors"

Experts define flirting as "ambiguous behavior with potential sexual or romantic overtones that is goal-oriented. In other words, we flirt with a purpose"

Women play the sexual card every bit as refined and calculated as any professional sport/activity for males that require extensive training and preparation (say, boxing or hunting).

  • What you didn't know:

    Women are nurtured that life owes them as a "hot girl"

  • What you already knew:

    Women spend two hours a day looking in the mirror while the average guy spends how many minutes : 10 ? Less ? A little bit more ?

  • No wonder the average Joe feels every woman is a whore...because, the higher you climb on the attractiveness scale, statistically, the larger % of them are. [of course, just like in anything, there are outliers, i.e. women who already are into money].

    What's amazing is that women can get so much without actually doing anything.

    What would you do to have an effective gender-neutral HR policy ?
    Put in gay hiring managers ? Maybe not. Little old ladies ? Better.

    On Reddit to the post "All women are whores-just set the price", I saw this nice comment [coming from a lady]:

    As a mother and a fireman-I agree.

    Back to the Interview/Conference Room

    Ok, what can you do about it ? If you are in the semi-final or final round of interviews, chances are that all of you who've made it will be invited to interview the same day. You'll be a small group, of 3 or maximum 5 but even 5 is a large number for semi-finalists. Generally speaking, the candidates here are practically equally qualified, so who goes back home crying and who doesn't it's not an easy tell. Suppose you spot that Miss Hot Pants, and face it dude, yours is a losers bargain. As much as you'd like to, you can't throw a cup of hot coffee on her face and watch her skin burn, because they'll say your're clumsy and stupid. You are not Bart Simpson either, to put needlesticks or glue on her chair right before she sits down, they will see you doing that plus there could be hidden cameras.

    What would you do ?

    I'm asking readers to please HELP ME somehow WRINKLE MISS HOT PANTS'S flawless performance for the day. I mean, I don't mind putting chewing gum in that chick's hair if no one's looking. Maybe I could spray her with ink or something-what can I use for that ?

    Have any readers known of a chick [that took their job or promotion away]...

    Remember what they say: Looks can kill. They can kill away your hopes and dreams, too.


    "The future isn't what it used to be "-Yogi Berra

    "Perhaps you've failed to take into account my hidden assets"-007

    The coolest cat on WSO My BLOG
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    Tags:
    • not getting a job
    • unemployment
    • lost job offer
    • Job interviews
    • hr dept
    • corporate finance interviews

    Comments

    AndyLouis's picture

    "you are delusional if you

    AndyLouis
         
     
     
    (Senior Neanderthal, 5,814
     
    Points)
     on 11/15/12 at 10:40am

    "you are delusional if you think women have it easier on wall st" -reputable source

    WSO's COO (Chief Operating Orangutan) | My story | Connect with me on Linkedin.

    2013 WSO Conference

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    Financier4Hire's picture

    AndyLouis: "you are

    Financier4Hire
          PE
     
    (King Kong, 1,087
     
    Points)
     on 11/15/12 at 12:22pm
    AndyLouis:

    "you are delusional if you think women have it easier on wall st" -reputable source

    Well, Andy

    This article concerns the "hot" women crowd.

    They have it easier in life in general, and Wall Street is NO exception. They can "sway" the judges in their favor. Wall Street, main street, in the courtroom, outside the courtroom, in the boardroom, outside the boardroom, in the interview room, outside the interview room, pretty girls have the leg up the competition.

    "The future isn't what it used to be "-Yogi Berra

    "Perhaps you've failed to take into account my hidden assets"-007


    The coolest cat on WSO
    My BLOG

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    Going Concern's picture

    Hahahaha, this is a hilarious

    Going Concern
         
     
     
    (King Kong, 1,694
     
    Points)
     on 11/15/12 at 12:35pm

    Hahahaha, this is a hilarious post. The guy-to-girl ratio in front office finance is probably something like 20:1. I would happily let a smoking hot long legged smokeshow take my spot, for the collective sanity of all male financiers. Do the right thing and be an interview martyr.

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

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    Financier4Hire's picture

    Going Concern: Hahahaha, this

    Financier4Hire
          PE
     
    (King Kong, 1,087
     
    Points)
     on 11/15/12 at 12:42pm
    Going Concern:

    Hahahaha, this is a hilarious post. The guy-to-girl ratio in front office finance is probably something like 20:1. I would happily let a smoking hot long legged smokeshow take my spot, for the collective sanity of all male financiers. Do the right thing and be an interview martyr.

    Your reply only reinforces my point. This is serious though, I'm fighting for my livelihood here. I got bills to pay.

    "The future isn't what it used to be "-Yogi Berra

    "Perhaps you've failed to take into account my hidden assets"-007


    The coolest cat on WSO
    My BLOG

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    SirTradesaLot's picture

    This post is insane and so

    SirTradesaLot
         
     
     
    (Senior Neanderthal, 4,509
     
    Points)
     on 11/15/12 at 12:43pm

    This post is insane and so far off reality.

    Financier4Hire -- why are you so obsessed about this line of thinking and what makes you think you're correct? You have posted similar misinformation numerous times, so I'm guessing something happened to you.

    Turbo leverage for capital explosion -- BD Capital

    My WSO Blog

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    brotherbear's picture

    This post isn't miles away

    brotherbear
          PE
     
     
    (Senior Gorilla, 777
     
    Points)
     on 11/15/12 at 1:03pm

    This post isn't miles away from the truth in that hot women are generally treated better than any other group of people on the planet. But they are also treated worse. They get harassed constantly (I know--I'm one of the guys doing the harassing). At the same time, though, they get access to people they would never otherwise be able to speak with.

    Who wants to talk to the dorky Asian kid that has never been laid, and has no extra-curricular interests outside of working 100-hour weeks, and practicing Gangnam Style on weekends with this dick tucked between his legs? I know I don't. I want to talk to the leggy blonde with a tight ass. Why? Because the annoying 20-something guys of the world can't do anything for me. I don't have a lot in common with most of them any longer, and I don't feel like mentoring kids that barely know the first thing about finance, but think they're destined to be Wall Street deities because they have a modicum of pedigree, a tiny dick, and an above-average work ethic.

    But that doesn't mean banks hire good-looking, unqualified women. I mean--I would. Good-looking women sell business. Bring a few hot analysts with you to a meeting with some 40-something fund managers, and see if that improves business relations. Obviously, it does.

    But women flake out. They leave the business. They have the option to do so when a VP or director finally decides to settle down, and start a family. And when they make that choice, they tend to marry a younger woman. Since they don't know many young women outside of the office and they work all of the time, the first piece of their selection criteria when choosing a mate is proximity. As such, they snap up the first good-looking, young analyst or associate that crosses their path, and get to procreating.

    (To be read as if sung in the Lion King) It's the Circle of Life.

    In any case, they're not taking your jobs South Park-style. And while their EARLY lives are easier, their later lives suck outrightly. The fall from grace as they lose the one thing that made people treat them special crushes them, so don't be too jealous of the few years they have a handful of advantages over you.

    And bang as many as you can.

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    mikesswimn's picture

    Wait, hold the phone here,

    mikesswimn
          O
     
     
    (Senior Gorilla, 868
     
    Points)
     on 11/15/12 at 1:26pm

    Wait, hold the phone here, you mean to tell me that incredibly good looking young women get special treatment and undeserved preference from older men?

    THIS IS CLEARLY A TOTALLY NEW AND UNIQUE PHENOMENOM!!! SOMEBODY ALERT THE PRESS!!!

    If this is the worst injustice you've faced, you're the luckiest person on the planet.

    Sack up and quit bitching.

    "My caddie's chauffeur informs me that a bank is a place where people put money that isn't properly invested."

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    rufiolove's picture

    The Real Reason You Didn't

    rufiolove
          IB
     
     
    (Neanderthal, 3,305
     
    Points)
     on 11/15/12 at 1:35pm

    The Real Reason You Didn't Get that Job: the other candidate was better...

    1/2 of the WSO Bash Brothers
    "Licensed to Ill It"
    We all know Bro J did it...

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    West Coast rainmaker's picture

    brotherbear: But that doesn't

    West Coast rainmaker
          ER
     
     
    (Neanderthal, 2,072
     
    Points)
     on 11/15/12 at 2:14pm
    brotherbear:

    But that doesn't mean banks hire good-looking, unqualified women. I mean--I would. Good-looking women sell business. Bring a few hot analysts with you to a meeting with some 40-something fund managers, and see if that improves business relations. Obviously, it does.

    But women flake out. They leave the business. They have the option to do so when a VP or director finally decides to settle down, and start a family. And when they make that choice, they tend to marry a younger woman. Since they don't know many young women outside of the office and they work all of the time, the first piece of their selection criteria when choosing a mate is proximity. As such, they snap up the first good-looking, young analyst or associate that crosses their path, and get to procreating.

    (To be read as if sung in the Lion King) It's the Circle of Life.

    In any case, they're not taking your jobs South Park-style. And while their EARLY lives are easier, their later lives suck outrightly. The fall from grace as they lose the one thing that made people treat them special crushes them, so don't be too jealous of the few years they have a handful of advantages over you.

    And bang as many as you can.

    If I ever start my own business, I may encourage secretarial candidates to submit headshots. And I may also recruit chiefly from USC and Arizona State...for their strong business programs, of course.

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    Financier4Hire's picture

    brotherbear: This post isn't

    Financier4Hire
          PE
     
    (King Kong, 1,087
     
    Points)
     on 11/15/12 at 2:17pm
    brotherbear:

    This post isn't miles away from the truth in that hot women are generally treated better than any other group of people on the planet. But they are also treated worse. They get harassed constantly (I know--I'm one of the guys doing the harassing). At the same time, though, they get access to people they would never otherwise be able to speak with.

    Who wants to talk to the dorky Asian kid that has never been laid, and has no extra-curricular interests outside of working 100-hour weeks, and practicing Gangnam Style on weekends with this dick tucked between his legs? I know I don't. I want to talk to the leggy blonde with a tight ass. Why? Because the annoying 20-something guys of the world can't do anything for me. I don't have a lot in common with most of them any longer, and I don't feel like mentoring kids that barely know the first thing about finance, but think they're destined to be Wall Street deities because they have a modicum of pedigree, a tiny dick, and an above-average work ethic.

    But that doesn't mean banks hire good-looking, unqualified women. I mean--I would. Good-looking women sell business. Bring a few hot analysts with you to a meeting with some 40-something fund managers, and see if that improves business relations. Obviously, it does.

    But women flake out. They leave the business. They have the option to do so when a VP or director finally decides to settle down, and start a family. And when they make that choice, they tend to marry a younger woman. Since they don't know many young women outside of the office and they work all of the time, the first piece of their selection criteria when choosing a mate is proximity. As such, they snap up the first good-looking, young analyst or associate that crosses their path, and get to procreating.

    (To be read as if sung in the Lion King) It's the Circle of Life.

    In any case, they're not taking your jobs South Park-style. And while their EARLY lives are easier, their later lives suck outright. The fall from grace as they lose the one thing that made people treat them special crushes them, so don't be too jealous of the few years they have a handful of advantages over you.

    And bang as many as you can.

    You've made some good points in here: +1

    I wouldn't say though, that women later lives suck outright. They have so many "exit" opportunities. I don't think that being a soccer mom is bad at all, or being an "entrepreneur" -many of them do that.

    "The future isn't what it used to be "-Yogi Berra

    "Perhaps you've failed to take into account my hidden assets"-007


    The coolest cat on WSO
    My BLOG

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    Going Concern's picture

    West Coast

    Going Concern
         
     
     
    (King Kong, 1,694
     
    Points)
     on 11/15/12 at 2:24pm
    West Coast rainmaker:
    brotherbear:

    But that doesn't mean banks hire good-looking, unqualified women. I mean--I would. Good-looking women sell business. Bring a few hot analysts with you to a meeting with some 40-something fund managers, and see if that improves business relations. Obviously, it does.

    But women flake out. They leave the business. They have the option to do so when a VP or director finally decides to settle down, and start a family. And when they make that choice, they tend to marry a younger woman. Since they don't know many young women outside of the office and they work all of the time, the first piece of their selection criteria when choosing a mate is proximity. As such, they snap up the first good-looking, young analyst or associate that crosses their path, and get to procreating.

    (To be read as if sung in the Lion King) It's the Circle of Life.

    In any case, they're not taking your jobs South Park-style. And while their EARLY lives are easier, their later lives suck outrightly. The fall from grace as they lose the one thing that made people treat them special crushes them, so don't be too jealous of the few years they have a handful of advantages over you.

    And bang as many as you can.

    If I ever start my own business, I may encourage secretarial candidates to submit headshots. And I may also recruit chiefly from USC and Arizona State...for their strong business programs, of course.

    Also encouraged to provide your height, weight, and details about your underwear...strictly for auditing purposes.

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

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    Financier4Hire's picture

    SirTradesaLot: This post is

    Financier4Hire
          PE
     
    (King Kong, 1,087
     
    Points)
     on 11/15/12 at 2:43pm
    SirTradesaLot:

    This post is insane and so far off reality.

    Financier4Hire -- why are you so obsessed about this line of thinking and what makes you think you're correct? You have posted similar misinformation numerous times, so I'm guessing something happened to you.

    SirTrades,

    Just because you haven't favored a pretty woman over an ugly one / or a man doesn't mean many others in a position of authority haven't done it. In many cases it's not even a conscious or planned reaction -men are prey to their unfulfilled fantasies-read Tues. WSJ article on flirting (Personal Journal) of which I quoted.

    You say to be in the HF space, maybe you can tell me about "the skills" of Former-Stripper-Turned-HF-Manager Niki Marx of Marx NY Capital. She was a stripper at Sapphire New York years ago, and, accordingly she says her hedge fund was up 160% in 2011.

    While this is an extreme example (stripper-right-into-hedge- funds) how many more months/years would have taken a male with a solid record (not a nobody) to have started a HF ?

    "The future isn't what it used to be "-Yogi Berra

    "Perhaps you've failed to take into account my hidden assets"-007


    The coolest cat on WSO
    My BLOG

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    sylvester's picture

    This website is so full of

    sylvester
         
     
    (Senior Monkey, 99
     
    Points)
     on 11/15/12 at 8:01pm

    This website is so full of misconceptions and delusions that I don't even know how it hasn't turned into fairy-land yet.

    SirTrades is on the spot - hot women do not get a leg up in recruiting, maybe it happens in banking, but outside of that I will say it is has nothing to do with reality. Yes, maybe some senior MD will have a preference in talking to them but the moment there is an HR or another woman, even if they are the most qualified candidate, they are toast.

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    SirTradesaLot's picture

    Financier4Hire: SirTradesaL

    SirTradesaLot
         
     
     
    (Senior Neanderthal, 4,509
     
    Points)
     on 11/15/12 at 8:18pm
    Financier4Hire:
    SirTradesaLot:

    This post is insane and so far off reality.

    Financier4Hire -- why are you so obsessed about this line of thinking and what makes you think you're correct? You have posted similar misinformation numerous times, so I'm guessing something happened to you.

    SirTrades,

    Just because you haven't favored a pretty woman over an ugly one / or a man doesn't mean many others in a position of authority haven't done it. In many cases it's not even a conscious or planned reaction -men are prey to their unfulfilled fantasies-read Tues. WSJ article on flirting (Personal Journal) of which I quoted.

    You say to be in the HF space, maybe you can tell me about "the skills" of Former-Stripper-Turned-HF-Manager Niki Marx of Marx NY Capital. She was a stripper at Sapphire New York years ago, and, accordingly she says her hedge fund was up 160% in 2011.

    While this is an extreme example (stripper-right-into-hedge- funds) how many more months/years would have taken a male with a solid record (not a nobody) to have started a HF ?

    If beautiful women have such a large advantage, I would expect them to be a large percentage of the industry. Instead, it's filled with a bunch of nerdy guys and average looking people in general.

    Turbo leverage for capital explosion -- BD Capital

    My WSO Blog

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    Financier4Hire's picture

    SirTradesaLot: If beautiful

    Financier4Hire
          PE
     
    (King Kong, 1,087
     
    Points)
     on 11/16/12 at 2:52am
    SirTradesaLot:

    If beautiful women have such a large advantage, I would expect them to be a large percentage of the industry. Instead, it's filled with a bunch of nerdy guys and average looking people in general.

    Last time I've checked, there are average looking people working in education, average looking people working in law, average looking working in medicine, etc.

    Whow ! I just found out today some women are running a trick called "Financial Domination" -makes me wanna PUKE ! Disgusting ! http://youtu.be/xSLTAelDlJE

    "The future isn't what it used to be "-Yogi Berra

    "Perhaps you've failed to take into account my hidden assets"-007


    The coolest cat on WSO
    My BLOG

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    Doog37's picture

    The only problem with the

    Doog37
          IB
     
    (Chimp, 15
     
    Points)
     on 11/16/12 at 2:19pm
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    blastoise's picture

    ^ Reported you idiot hope you

    blastoise
          O
     
    (Senior Neanderthal, 4,380
     
    Points)
     on 3/6/13 at 2:26am
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    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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