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Wall Street Oasis » Forums » I-Banking Bullpen
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Gekko's Guidance (10 Rules to Interviewing) - Part 1 of ?
 

Gekko21's picture
Gekko21
     
 
 
(Neanderthal, 2,671
 
Points)
 on 11/1/12 at 7:30am
Professor Gekko

Mod note (Andy): "Blast from the past - Best of WSO" - while Eddie is away this month in his place we'll be posting up some of the most popular posts from the past. This was originally posted on 12/07/10

Since everyone else seems to be jumping on the band wagon, I thought it was about time Gekko started posting a few blog topics. Considering it’s about that time of year, I figured a post about “Gekko’s Guide to interviewing” would be helpful to all the new monkeys out there looking for their first internships.

Rule #1-Relax
No matter what happens there will always be more interviews. Be calm and collected, just act naturally. Talk to the interviewer like a person. See that BSD MD? Odds are he just finished reading More Money Than God or that he had a small family get together over the weekend. You see that associate? Five minutes ago he was typing in the group’s private associate chat room a quote from the Boiler Room. As much as they may think they are gods, your interviewers are flesh and blood humans. They think, act, and have the same exact problems that you do. Be respectful, but don’t fear the business card. Talk to the man, not the title.

Practice, Practice, Practice
Just like everything in life practice makes perfect. I don’t care how many times you have recited the answer in your head. The second that you have to convert the “words in your head” to the “words coming out of your mouth” I guarantee that something critical will be lost in translation. Sit down with friends, OCR, your family, anyone...that will make you tell your story and answer interview questions out loud. Don’t be hard on yourself when you start practicing with these people and you sound like an idiot so you stoop and promise that you’ll “get it right during the interview.” That is the point of practice…to look like an idiot so that when the time comes you won’t.

Rule #3-Don’t Try to Memorize Answers
When you are preparing for an interview, don’t try to memorize answers because you will mess them up during an interview. Instead of memorizing whole answers, write down answers during your preparation and remember key points or facts that you can talk about. Once you start answering a question, mention those points, but if you forget one, forget about it so that you can create a seamless answer. No one is going to know that you forgot something, if the interviewer wants to know something they will ask.

Rule #4-Take Every Opportunity to Interview
I don’t care if it’s for BO bullshit in Iran, sign up for every possible interview opportunity. This goes hand in hand with #2, but there are a few differences. First, you gain experience answering tricky (aka FUCKING BULLSHIT) interview questions that you have not heard before. In addition, it allows you to practice telling your story while under fire and allows you to make variations to optimize the story. You have no idea how many interviews where I would be telling my story when I would change how I worded something or leave something completely out and that change would become permanent the next time I told my story. Eventually, something just clicks and you can answer any variation of a question without thinking. You will develop a Midas’ touch—You’ll start to pull pure gold right out of your ass. Finally, take every opportunity to hedge your failure risk. You are competing against the smartest kids in America, in this economy nothing is for certain.

Rule #5-Show Them What They Want to See
Once you get yourself in that room, I don’t care about your GPA or what else you have on your resume. I am looking for 3 things—a connection with myself and the firm’s culture, Will you be able to do the work?, and do you have a passion for the job? Your general personality will come out throughout the interview—there is no hiding it. Being able to do the work, is shown in the confidence you display while answering general questions along with how well you answer the technicals. Showing passion is a little more difficult to say “That’s it”, but it comes out it different ways. Sometimes it comes out in how exited you are to answer questions, sometimes it comes out in the level of detail that you can answer a technical question that just says “This kid knows his shit”, and sometimes it can come out in the types of questions that you ask when I tell you about what I do and the product that I trade. Chances are, showing passion comes from a combination of those examples…. I know in my case when I interviewed, I detailed the exact movements of the EUR and GBP for the last 6 months using dates.

Rule #6-Watchout for WMDs (Words of Mass Destruction)
Every time you open your mouth to speak you are simultaneously bending over and asking the interviewer to fuck you up the ass. NEVER EVER, EVER mention a subject that you are not 100% confident in. If you are not strong with options and derivatives, don’t mention them. The second you bring up a topic it is fair game. Nothing can castrate an interviewee or turn a rock star into a mumbling pile of piss faster than a WMD. Screw it up badly enough, and you can go from moving onto the next round to dinged in a few minutes. The two biggest WMDs are “Why” and “Tell me more about X” It is these questions that separate the mice from the men. If an interviewee is going to mess up his interview, the chances are that it is going to be because he mentioned the wrong topic and the interviewer dropped a WMD.

Rule #7-Control the Interview
This is learned more with experience, but there comes a point in the interview where you have the ability to gain control of the interview and steer it in the direction you want. If you’re having a conversation about China or Michael Lewis—you can keep it going by talking about another book that you have read. If you are asked a question, you can answer it in a way that almost guarantees the next question—which you will be prepared for. The number of choke points in an interview where you can gain control and dictate flow is endless, you just need to learn how to spot them.

Rule #8-Never Take Anything for Granted
I always like to send a thank you email (no cards please). It won’t affect your offer or non-offer, but I think it shows class and it can’t hurt to send a 2-3 line email. Just don’t be offended if they don’t respond.

Rule #9-Never Go Anywhere Without a Knife
Finance is a cutthroat world and you never know when you will need it.

Rule #10-Always be Honest and Humble
If someone asks you if you know about X, always respond with “I have done some reading so I know a little bit, I know that X and Y about Z. Show the interviewer your knowledge by talking about it—it may lead to more detailed questions, but if you are honest and humble about it those detailed questions that you don’t know won’t hurt you. If you get a question you don’t know, admit you don’t know it, offer some guesses with your reasoning behind them and then politely ask the interviewer what the answer is. Even if you know a great deal about a topic, it’s always safer to play it humble and let your answers reveal your knowledge. If you walk into an interview with a cocky know it all attitude, I guarantee you will get mind fucked with technicals and will not receive an offer.

Well , I had no idea it was going to be so long. I’ll try to keep it shorter next time. If you guys like the style of writing or would like to see a specific topic, post it below. There will definitely be a Part 2 with some more interview prep guidelines, and I also have another post that I want to talk about.

SB to anyone who can tell me what’s “special” about Rule #8 and Rule #9...hint: there are 50 of them.

"Greed, in all of its forms; greed for life, for money, for love, for knowledge has marked the upward surge of mankind. And greed, you mark my words, will not only save Teldar Paper, but that other malfunctioning corporation called the USA."
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Mo's picture

NCIS gibbs rules :) The post

Mo
      IB
 
(Baboon, 135
 
Points)
 on 12/7/10 at 9:09am

NCIS gibbs rules :)

The post is sweet , gives everyone going into the interview a different flavour other than the usual "should i study DCF or should I know what is LBO" or any of these BS questions that you read on WSO sometimes.......at the end of the day if you click with the interviewer and you are not a total douche chances are you can get that offer !!

Maybe I do not have quotes under my name on google, but I KEEP IT REAL

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Gekko21's picture

I guess #9 gave it away, but

Gekko21
     
 
 
(Neanderthal, 2,671
 
Points)
 on 12/7/10 at 9:16am

I guess #9 gave it away, but I was hoping it would last longer.

"Greed, in all of its forms; greed for life, for money, for love, for knowledge has marked the upward surge of mankind. And greed, you mark my words, will not only save Teldar Paper, but that other malfunctioning corporation called the USA."

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Mo's picture

loool yea i know how you

Mo
      IB
 
(Baboon, 135
 
Points)
 on 12/7/10 at 9:19am

loool yea i know how you feel, but that s what you do on a relaxed work day, google challanges that people put up on the internet

Maybe I do not have quotes under my name on google, but I KEEP IT REAL

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monkeymark's picture

Gotta whole heartedly agree

monkeymark
      ST
 
 
(Baboon, 105
 
Points)
 on 12/7/10 at 9:24am

Gotta whole heartedly agree with #2 & #4. Even having memorized points and practiced with friends (which started out very uncomfortably), there's nothing like being under the gun at an interview and rambling on due to nerves. Keep your answers succint, linear and logical.

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Clarkey's picture

Silver B.

Clarkey
      PE
 
 
(Gorilla, 567
 
Points)
 on 12/7/10 at 9:25am

Silver B.

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chubbybunny's picture

Gekko21, you are

chubbybunny
      O
 
(Orangutan, 264
 
Points)
 on 12/7/10 at 9:36am

Gekko21, you are awesome.

Perhaps an admin should sticky this because as a college student, I think the info here is gold.

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Getgo's picture

Gekko21 wrote: First, you

Getgo
     
 
(Orangutan, 290
 
Points)
 on 12/7/10 at 9:40am
Gekko21:

First, you gain experience answering tricky (aka FUCKING BULLSHIT) interview questions that you have not heard before.
.

KPMG Round 2 Interview question: If you could be any animal, which would it be and why?

=WTF REALLY?

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Im with Busey's picture

Always be honest. If you

Im with Busey
      IB
 
(Baboon, 171
 
Points)
 on 12/7/10 at 9:45am

Always be honest. If you don't know about derivatives and they ask you about them, just admit that you know very little.

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Nefarious-'s picture

Getgo wrote: Gekko21 wrote:

Nefarious-
      CF
 
(Neanderthal, 2,208
 
Points)
 on 12/7/10 at 9:47am
Getgo:
Gekko21:

First, you gain experience answering tricky (aka FUCKING BULLSHIT) interview questions that you have not heard before.
.

KPMG Round 2 Interview question: If you could be any animal, which would it be and why?

=WTF REALLY?

Maybe you shouldn't have answered with Flamingo?

You're born, you take shit. You get out in the world, you take more shit. You climb a little higher, you take less shit. Till one day you're up in the rarefied atmosphere and you've forgotten what shit even looks like. Welcome to the layer cake, son.

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Gekko21's picture

Getgo wrote: Gekko21 wrote:

Gekko21
     
 
 
(Neanderthal, 2,671
 
Points)
 on 12/7/10 at 9:47am
Getgo:
Gekko21:

First, you gain experience answering tricky (aka FUCKING BULLSHIT) interview questions that you have not heard before.
.

KPMG Round 2 Interview question: If you could be any animal, which would it be and why?

=WTF REALLY?

I've heard this question being given before and I still have no idea what to answer. If someone gave it to me I might just say a "horse"..they are muscular, have above average intelligence, are part of a pack (whatever a horse thing is called), and they have really big dicks......I would say that word for word and see the interviewer's reaction. If they asked something about not being serious, I would say "I only give serious answers for serious questions"

"Greed, in all of its forms; greed for life, for money, for love, for knowledge has marked the upward surge of mankind. And greed, you mark my words, will not only save Teldar Paper, but that other malfunctioning corporation called the USA."

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WallStreetOasis.com's picture

I think this post should be

WallStreetOasis.com
      EN
 
 
(Human, 12,039
 
Points)
 on 12/7/10 at 9:52am

I think this post should be printed (along with the earlier cartoon post from Midas) and read every night before going to bed.

great advice.

WSO Conference 2013

Private Certified User Chat

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rafiki's picture

What are the knife rankings?

rafiki
     
 
(Orangutan, 317
 
Points)
 on 12/7/10 at 10:03am

What are the knife rankings? Which knives offer the highest prestige without being too flashy for analysts?

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Im with Busey's picture

Magua wrote: What are the

Im with Busey
      IB
 
(Baboon, 171
 
Points)
 on 12/7/10 at 10:10am
Magua:

What are the knife rankings? Which knives offer the highest prestige without being too flashy for analysts?

Cutco

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jmdude's picture

great advice. Would love to

jmdude
      ST
 
(Orangutan, 301
 
Points)
 on 12/7/10 at 11:46am

great advice. Would love to see a follow-up piece!

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JimmyDormandy's picture

Gekko21 wrote: Getgo

JimmyDormandy
      VC
 
 
(Senior Gorilla, 775
 
Points)
 on 12/7/10 at 11:50am
Gekko21:
Getgo:
Gekko21:

First, you gain experience answering tricky (aka FUCKING BULLSHIT) interview questions that you have not heard before.
.

KPMG Round 2 Interview question: If you could be any animal, which would it be and why?

=WTF REALLY?

I've heard this question being given before and I still have no idea what to answer. If someone gave it to me I might just say a "horse"..they are muscular, have above average intelligence, are part of a pack (whatever a horse thing is called), and they have really big dicks......I would say that word for word and see the interviewer's reaction. If they asked something about not being serious, I would say "I only give serious answers for serious questions"

That is fucking priceless - if a candidate told me that he'd be hired on the spot. In all seriousness, great post - you just helped some monkeys step their shit up in the interview.

"Jesus, he's like a gremlin; comes with instructions and shit"

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nycIBD's picture

its unethical to take

nycIBD
     
 
(Gorilla, 515
 
Points)
 on 12/7/10 at 12:07pm
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EDQ's picture

Really!

EDQ
      PE
 
(Chimp, 5
 
Points)
 on 12/7/10 at 12:21pm
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trade4size's picture

Dont go to Texas without an

trade4size
      ST
 
(Neanderthal, 2,085
 
Points)
 on 12/7/10 at 12:22pm

"Oh the ladies ever tell you that you look like a fucking optical illusion" - Frank Slaughtery 25th Hour.

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Midas Mulligan Magoo's picture

Nice work Gordie SB

Midas Mulligan Magoo
     
 
(Senior Neanderthal, 5,167
 
Points)
 on 12/7/10 at 12:25pm

Where I unload on Twits and take verbal S***s

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Nefarious-'s picture

nycIBD wrote: its unethical

Nefarious-
      CF
 
(Neanderthal, 2,208
 
Points)
 on 12/7/10 at 12:26pm

You're born, you take shit. You get out in the world, you take more shit. You climb a little higher, you take less shit. Till one day you're up in the rarefied atmosphere and you've forgotten what shit even looks like. Welcome to the layer cake, son.

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Gekko21's picture

nycIBD wrote: its unethical

Gekko21
     
 
 
(Neanderthal, 2,671
 
Points)
 on 12/7/10 at 12:29pm

"Greed, in all of its forms; greed for life, for money, for love, for knowledge has marked the upward surge of mankind. And greed, you mark my words, will not only save Teldar Paper, but that other malfunctioning corporation called the USA."

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JimmyDormandy's picture

Gekko21 wrote: nycIBD

JimmyDormandy
      VC
 
 
(Senior Gorilla, 775
 
Points)
 on 12/7/10 at 12:34pm

"Jesus, he's like a gremlin; comes with instructions and shit"

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tylderdurden's picture

Getgo wrote: Gekko21 wrote:

tylderdurden
      ER
 
 
(Senior Baboon, 234
 
Points)
 on 12/7/10 at 12:37pm
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Gekko21's picture

JimmyDormandy wrote: Gekko21

Gekko21
     
 
 
(Neanderthal, 2,671
 
Points)
 on 12/7/10 at 12:38pm

"Greed, in all of its forms; greed for life, for money, for love, for knowledge has marked the upward surge of mankind. And greed, you mark my words, will not only save Teldar Paper, but that other malfunctioning corporation called the USA."

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zeropower's picture

Thank you for the post good

zeropower
      ST
 
(Senior Orangutan, 484
 
Points)
 on 12/7/10 at 3:24pm
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derivstrading's picture

Goldman SA S&T Interview: 1.

derivstrading
      ST
 
 
(King Kong, 1,350
 
Points)
 on 12/7/10 at 3:35pm

S&T Careers - The only trading interview guide you will ever need

If you have any questions email them to me at [email protected]

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Getgo's picture

Goldman Sachs FT, final

Getgo
     
 
(Orangutan, 290
 
Points)
 on 12/7/10 at 3:51pm
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Victor252's picture

tylderdurden wrote: [ It's

Victor252
      O
 
(Orangutan, 322
 
Points)
 on 12/7/10 at 4:16pm
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happypantsmcgee's picture

Great work Gekko...keep it

happypantsmcgee
      O
 
 
(Almost Human, 9,621
 
Points)
 on 12/7/10 at 4:45pm

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

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midnight_oil's picture

tylderdurden wrote: Getgo

midnight_oil
      IB
 
(Senior Baboon, 218
 
Points)
 on 12/7/10 at 5:35pm
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LIBOR's picture

Gekko, You forgot Rule #76.

LIBOR
      EN
 
(Neanderthal, 2,156
 
Points)
 on 12/7/10 at 6:03pm

looking for that pick-me-up to power through an all-nighter?

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In The Flesh's picture

Well done, Mr. Gekko. Well

In The Flesh
      HF
 
 
(Neanderthal, 2,792
 
Points)
 on 12/7/10 at 8:38pm

Head of Metal Website: www.headofmetal.com

https://twitter.com/headofmetal2012

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Koho's picture

Great post Gekko, please keep

Koho
      ST
 
(Orangutan, 320
 
Points)
 on 12/7/10 at 9:05pm
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12345's picture

This list is

12345
      IB
 
(Senior Baboon, 233
 
Points)
 on 12/8/10 at 1:42pm
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TNMN's picture

12345 wrote: Gekko, how many

TNMN
      IB
 
(Senior Chimp, 29
 
Points)
 on 12/9/10 at 1:43am
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Gekko21's picture

TNMN: 12345: Gekko, how

Gekko21
     
 
 
(Neanderthal, 2,671
 
Points)
 on 12/9/10 at 1:49am

"Greed, in all of its forms; greed for life, for money, for love, for knowledge has marked the upward surge of mankind. And greed, you mark my words, will not only save Teldar Paper, but that other malfunctioning corporation called the USA."

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monkeysama's picture

Getgo wrote: Goldman Sachs

monkeysama
      O
 
(King Kong, 1,622
 
Points)
 on 12/11/10 at 2:58pm
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Argonaut's picture

tylderdurden wrote: Getgo

Argonaut
     
 
(King Kong, 1,762
 
Points)
 on 12/11/10 at 6:13pm

More is good, all is better

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Argonaut's picture

LIBOR wrote: Gekko, You

Argonaut
     
 
(King Kong, 1,762
 
Points)
 on 12/11/10 at 6:20pm

More is good, all is better

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LIBOR's picture

Argonaut wrote: LIBOR

LIBOR
      EN
 
(Neanderthal, 2,156
 
Points)
 on 12/11/10 at 6:24pm

looking for that pick-me-up to power through an all-nighter?

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Argonaut's picture

As far as peni go, the

Argonaut
     
 
(King Kong, 1,762
 
Points)
 on 12/11/10 at 6:57pm

More is good, all is better

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Argonaut's picture

LIBOR wrote: Argonaut

Argonaut
     
 
(King Kong, 1,762
 
Points)
 on 12/11/10 at 7:34pm

More is good, all is better

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prospie's picture

Victor252: tylderdurden: [

prospie
     
 
(King Kong, 1,674
 
Points)
 on 11/1/12 at 9:37am

Financial Modeling Training
Guide to Finance Interviews
Banking Resume

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Going Concern's picture

I love how these same rules

Going Concern
     
 
 
(King Kong, 1,679
 
Points)
 on 11/1/12 at 4:30pm

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

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eleutheros's picture

LOL at the BO role in Iran

eleutheros
      IB
 
(Senior Monkey, 98
 
Points)
 on 11/11/12 at 8:36pm
  • 0
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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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