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Wall Street Oasis » Forums » Business School Barrage
< previous | next >

HBS Admit With 620 GMAT Score
 

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Stacy_Blackman's picture
Stacy_Blackman
      O
 
(Orangutan, 372
 
Points)
 on 2/7/12 at 9:11pm
what.jpg

*Please note that no client details are ever shared in SBC Scoop or otherwise without complete sign off from client.

Samita engaged with Stacy Blackman knowing that her undergraduate GPA of 45% from a well-known engineering program in India was one of the largest challenges in her application strategy. Samita was only slightly interested in engineering, and as the program continued she started to spend less and less time studying, and more and more time volunteering. The result was an unimpressive GPA, but quite a lot of extracurricular leadership.

Samita’s additional strengths included work experience and recommendations. Samita had an intriguing career at an NGO working across Asia and Europe, where she had progressed from program coordinator to director of development over four years. She was exceptionally skilled at working across a disparate group of people, and had a strong mentor in her manager, an HBS alum, who had encouraged her to seek a top-tier MBA in the United States.

Because she had limited time in her schedule, we advised an online program to boost Samita’s academic profile before she submitted her application.

When we started working with Samita she was preparing for the GMAT and scoring between 660 and 700 on her practice tests. We knew that her low GPA and potentially low GMAT were challenges to overcome, but we were all surprised when Samita scored a 590 on her first GMAT attempt. Samita was incredibly disappointed and frustrated and thought about abandoning her application. We discussed her options: re-evaluating schools, taking the GMAT again or taking the GRE.

Samita decided to schedule another GMAT session in thirty days and focus her time on putting together an exceptionally compelling application. We mined her experience for evidence of her potential and leadership, ensured her recommendations were stellar, and refined her resume and career goals.

Only a few days before the deadlines for HBS, Yale and Stanford Samita took the GMAT again. She was disappointed to increase her score only to 620. She submitted her applications anyway without much faith that her hard work would pay off.

Samita was shocked to be admitted to HBS! We were thrilled to be part of her success, and gratified that her exceptional accomplishments wouldn’t be undermined by her academic challenges.

www.StacyBlackman.com
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Tags:
  • HBS
  • business school admissions
  • Business School Barrage
RagnarDanneskjold's picture

Mods. Do the right thing.

RagnarDanneskjold
      HF
 
(King Kong, 1,031
 
Points)
 on 2/7/12 at 10:42pm

Mods. Do the right thing. Brady is going to have a breakdown

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RE Capital Markets's picture

Shit. HBS just isnt what it

RE Capital Markets
      RE
 
 
(Gorilla, 649
 
Points)
 on 2/7/12 at 11:07pm

Shit. HBS just isnt what it used be, am I right?

LOL @ Brady4MVP.

Man made money, money never made the man

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BankingWaffle's picture

And that's why my dream

BankingWaffle
      IB
 
(Senior Baboon, 242
 
Points)
 on 2/7/12 at 11:45pm

And that's why my dream b-school is Stanford instead ;)

and LOL, poor Brady :(

Cheers.

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Serendipity's picture

(No subject)

Serendipity
      O
 
(Senior Monkey, 73
 
Points)
 on 2/7/12 at 11:53pm

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socola2003's picture

I am very circumspect of

socola2003
      IB
 
(Orangutan, 335
 
Points)
 on 2/8/12 at 12:19am

I am very circumspect of these intl students, especially indians from India applying to b-schools. They lie voraciously on their applications knowing that the background checks are cursory at best and will do anything to get admitted a spot to a top b-school. I knew so many liars at Kellogg (creating fake NGOs, assuming leadership/founding positions of family owned organizations, etc) whose resumes were total BS. Background checks must be far more meticulous for these int'l jokes who cheat to get into a top program only to take the seat of another well qualified US applicant.

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Brady4MVP's picture

socola2003 wrote: I am very

Brady4MVP
      HF
 
(Neanderthal, 3,158
 
Points)
 on 2/8/12 at 12:31am
socola2003:

I am very circumspect of these intl students, especially indians from India applying to b-schools. They lie voraciously on their applications knowing that the background checks are cursory at best and will do anything to get admitted a spot to a top b-school. I knew so many liars at Kellogg (creating fake NGOs, assuming leadership/founding positions of family owned organizations, etc) whose resumes were total BS. Background checks must be far more meticulous for these int'l jokes who cheat to get into a top program only to take the seat of another well qualified US applicant.

I thought the background checks were fairly rigorous? They verify certain extracurricular clubs, leaderships, etc.

Was the lying limited to just international students, or was this true for U.S. students as well?

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socola2003's picture

Background checks mostly are

socola2003
      IB
 
(Orangutan, 335
 
Points)
 on 2/8/12 at 12:40am

Background checks mostly are limited to previous work exp, schools, and recommendations. They will cherry pick certain extra currics and verify that. But note the school is not doing the verification, they outsource it to a bunch of minimal wage retards who don't know the other person on the line is the guy's uncle. They really shoud have students do it or put in some standard op procedures to verify. I bet students can pick out the lies a lot faster than the outsourced companies can. And it much harder to verify some small NGO in India as to its authenticity, unless you probe deep enough to uncover the lie. Mostly was the inernationals, sure there were US students too who lied but I think the international students (read indians) do it 100x more often given the increased difficulty in verification. This is not a valid sample size but I think it's pretty commonly known among students which subgroup cheats/lies the most to get in.

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Brady4MVP's picture

socola2003 wrote: Background

Brady4MVP
      HF
 
(Neanderthal, 3,158
 
Points)
 on 2/8/12 at 12:45am
socola2003:

Background checks mostly are limited to previous work exp, schools, and recommendations. They will cherry pick certain extra currics and verify that. But note the school is not doing the verification, they outsource it to a bunch of minimal wage retards who don't know the other person on the line is the guy's uncle. They really shoud have students do it or put in some standard op procedures to verify. I bet students can pick out the lies a lot faster than the outsourced companies can. And it much harder to verify some small NGO in India as to its authenticity, unless you probe deep enough to uncover the lie. Mostly was the inernationals, sure there were US students too who lied but I think the international students (read indians) do it 100x more often given the increased difficulty in verification. This is not a valid sample size but I think it's pretty commonly known among students which subgroup cheats/lies the most to get in.

Interesting. I know most b-schools do verification through Kroll, which is supposed to be pretty solid. But I've heard plenty of U.S. applicants exaggerate their extracurricular contributions. My guess though is that adcom at top schools have a good BS radar and can sniff out bullshitters from those who acatually made meaningful contributions.

My best friend is a first-year at kellogg, and he was saying how a lot of "unqualified" people get in through the cracks due to the diversity obsessed admissions process.

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MBAApply's picture

I don't think it was the

MBAApply
      EN
 
(King Kong, 1,006
 
Points)
 on 2/8/12 at 12:49am

I don't think it was the international student that was lying...

In any case, I'm not saying that this Samita benefited from the "Stacy Blackman Magic (TM)" but here's one thing to consider:

A person (male or female) who graduated from an engineering school in India who worked at an NGO in Asia/Europe. For the incoming class next year, it won't be hard to figure out who that is since it's not like there's shitloads of them at HBS. So you have to wonder why the consulting firm would shroud this successful person's story in anonymity. If this person were so strong to have been able to overcome such shitty numbers, then they would've done something extraordinary.

Also, if there was a person who had such shitty numbers (GPA/GMAT), they would've had an exceptional and unique story. The fact that the OP wrote about "Samita's" case using such generic and dry language is a bit incongruous if this person really did amazing things. I mean, with people who really do stand out, it's hard to really hide the fact that they really stand out even if you are trying to keep the person anonymous. Notice how the OP is more excited about being associated with "Samita"'s alleged success in the admissions process than the OP is about Samita herself or her achievements.

Not saying the story is totally bullshit. Just sayin'.

Alex Chu
www.mbaapply.com

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socola2003's picture

hahaha. There is so much

socola2003
      IB
 
(Orangutan, 335
 
Points)
 on 2/8/12 at 12:50am

hahaha. There is so much crap at Kellogg, but as I found at other schools, plenty of crap at the M7 or whatever it's called. Maybe Stanford has the leas tof which due to the small # in class size and thus the lower probability of crap creeping in. I would say at Kellogg a good 35-40% of the students there are stupid. Don't forget a lot of people get in because of their namesake and connections, and many have applied 3-4x. That is why I fundamentally beleive college alma mater is a better reflection of intelligence than b-school, given the # of subjective, non-intelligent factors that enhance people's abilities to get in. Going to Harvard, Stanford, MIT, Caltech, Wharton, etc as an undergrad schools is far more impressive than going to HBS.

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Sexy_Like_Enrique's picture

socola2003 wrote: hahaha.

Sexy_Like_Enrique
     
 
(Gorilla, 660
 
Points)
 on 2/8/12 at 12:57am
socola2003:

hahaha. There is so much crap at Kellogg, but as I found at other schools, plenty of crap at the M7 or whatever it's called. Maybe Stanford has the leas tof which due to the small # in class size and thus the lower probability of crap creeping in. I would say at Kellogg a good 35-40% of the students there are stupid. Don't forget a lot of people get in because of their namesake and connections, and many have applied 3-4x. That is why I fundamentally beleive college alma mater is a better reflection of intelligence than b-school, given the # of subjective, non-intelligent factors that enhance people's abilities to get in. Going to Harvard, Stanford, MIT, Caltech, Wharton, etc as an undergrad schools is far more impressive than going to HBS.

Wow, very interesting perspective. thanks for sharing your experience.

That was my suspicion, as well. I have more respect for Wharton undergrads than MBA counterparts. Also, just look at this thread. Clearly, this person wasn't the brightest, but somehow got into HBS, probably due to some bullshit reason. (maybe faked-up NGO from India? lol)

This just indicates that MBA admissions aren't just about one's academic credentials, but one's ability to bullshit well via essays, via rec's, and maybe grossly exaggerate 'leadership' at work, etc.

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IRSPB's picture

She has a HBS mentor who

IRSPB
     
 
(Senior Baboon, 225
 
Points)
 on 2/8/12 at 12:58am

She has a HBS mentor who probably also wrote her rec letter. That's a big positive. She's a female, another positive. She's from India and is NOT in IT/engineering but works at an non-profit full time, hence she is a rarity in the Indian applicant pool. I bet she had a lot of feel good stories in her essays. The adcoms might have "fallen in love with her story".

Though I must say her 45% average in engineering is REALLY low.

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happypantsmcgee's picture

MBAApply wrote: I don't think

happypantsmcgee
      O
 
 
(Almost Human, 9,621
 
Points)
 on 2/8/12 at 12:58am
MBAApply:

I don't think it was the international student that was lying...

Glad someone had the balls to say it.

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

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Sexy_Like_Enrique's picture

IRSPB wrote: Oh look at the

Sexy_Like_Enrique
     
 
(Gorilla, 660
 
Points)
 on 2/8/12 at 12:58am
IRSPB:

Oh look at the haters on the board. She has a HBS mentor who probably also wrote her rec letter. That's a big positive. She's a female, another positive. She's from India and is NOT in IT/engineering but works at an non-profit full time, hence she is a rarity in the Indian applicant pool. I bet she had a lot of feel good stories in her essays.

Though I must say her 45% average in engineering is REALLY low.

This really caught me off-guard. How can anyone with 45% in grade (I suppose it's lower than 2.5 GPA if converted into U.S. scale) get into HBS?? Just because this person was in some small NGO's in India?

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socola2003's picture

i want to qualify to say that

socola2003
      IB
 
(Orangutan, 335
 
Points)
 on 2/8/12 at 12:59am

i want to qualify to say that going to a state school doesn't imply you're stupid. Unfort college education is not normalized for all applicatns and the financial burden makes it prohibity to attend these great schools. That said, anyone who thinks they're hot shit because they went to M7 is a fool.

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bankbank's picture

socola2003 wrote: I am very

bankbank
     
 
(Senior Orangutan, 483
 
Points)
 on 2/8/12 at 1:00am
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IRSPB's picture

2.5 GPA? Try 1.5 or 1.6. 70%

IRSPB
     
 
(Senior Baboon, 225
 
Points)
 on 2/8/12 at 1:00am
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Sexy_Like_Enrique's picture

socola2003 wrote: Background

Sexy_Like_Enrique
     
 
(Gorilla, 660
 
Points)
 on 2/8/12 at 1:03am
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socola2003's picture

I doubt there have been many

socola2003
      IB
 
(Orangutan, 335
 
Points)
 on 2/8/12 at 1:06am
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Brady4MVP's picture

socola2003 wrote: hahaha.

Brady4MVP
      HF
 
(Neanderthal, 3,158
 
Points)
 on 2/8/12 at 1:07am
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socola2003's picture

It depends how you define

socola2003
      IB
 
(Orangutan, 335
 
Points)
 on 2/8/12 at 1:12am
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Sexy_Like_Enrique's picture

socola2003 wrote: I doubt

Sexy_Like_Enrique
     
 
(Gorilla, 660
 
Points)
 on 2/8/12 at 1:13am
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Brady4MVP's picture

socola2003 wrote: It depends

Brady4MVP
      HF
 
(Neanderthal, 3,158
 
Points)
 on 2/8/12 at 1:15am
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Sexy_Like_Enrique's picture

my brother told me that even

Sexy_Like_Enrique
     
 
(Gorilla, 660
 
Points)
 on 2/8/12 at 1:27am
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Brady4MVP's picture

Sexy_Like_Enrique wrote: my

Brady4MVP
      HF
 
(Neanderthal, 3,158
 
Points)
 on 2/8/12 at 1:29am
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seedy underbelly's picture

popping in for a few

seedy underbelly
      IB
 
(King Kong, 1,090
 
Points)
 on 2/8/12 at 1:39am
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seedy underbelly's picture

MBAApply wrote: I don't think

seedy underbelly
      IB
 
(King Kong, 1,090
 
Points)
 on 2/8/12 at 1:40am
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Brady4MVP's picture

seedy underbelly

Brady4MVP
      HF
 
(Neanderthal, 3,158
 
Points)
 on 2/8/12 at 1:48am
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seedy underbelly's picture

Brady4MVP wrote: seedy

seedy underbelly
      IB
 
(King Kong, 1,090
 
Points)
 on 2/8/12 at 1:52am
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seedy underbelly's picture

.

seedy underbelly
      IB
 
(King Kong, 1,090
 
Points)
 on 2/8/12 at 1:57am
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wolverine19x89's picture

socola2003 wrote: It depends

wolverine19x89
      O
 
(King Kong, 1,844
 
Points)
 on 2/8/12 at 1:57am

If your dreams don't scare you, then they are not big enough.

"There are two types of people in this world: People who say they pee in the shower, and dirty fucking liars."-Louis C.K.

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seedy underbelly's picture

Brady4MVP wrote: seedy

seedy underbelly
      IB
 
(King Kong, 1,090
 
Points)
 on 2/8/12 at 2:00am
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Sexy_Like_Enrique's picture

i guess it also depends on

Sexy_Like_Enrique
     
 
(Gorilla, 660
 
Points)
 on 2/8/12 at 2:07am
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BanditPandit's picture

looks like she fucked her way

BanditPandit
      O
 
(Senior Orangutan, 416
 
Points)
 on 2/8/12 at 2:10am
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Sexy_Like_Enrique's picture

BanditPandit wrote: looks

Sexy_Like_Enrique
     
 
(Gorilla, 660
 
Points)
 on 2/8/12 at 2:16am
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ProspectiveMonkey's picture

seedy underbelly

ProspectiveMonkey
     
 
(Orangutan, 328
 
Points)
 on 2/8/12 at 3:06am
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Quarterlife's picture

It disturbs me how this

Quarterlife
      CO
 
(Orangutan, 329
 
Points)
 on 2/8/12 at 3:10am

My formula for success is rise early, work late and strike oil - JP Getty

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ShreddiesBrah's picture

Some ignorant comments in

ShreddiesBrah
     
 
(King Kong, 1,337
 
Points)
 on 2/8/12 at 4:31am
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Quarterlife's picture

Awon Eleyi Awon Eleyi Won Bad

Quarterlife
      CO
 
(Orangutan, 329
 
Points)
 on 2/8/12 at 4:55am

My formula for success is rise early, work late and strike oil - JP Getty

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Unforseen's picture

stacy forgot to mention that

Unforseen
     
 
 
(King Kong, 1,099
 
Points)
 on 2/8/12 at 5:06am

Check out my Blog

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mikebrady's picture

As i said before this is just

mikebrady
     
 
(Senior Orangutan, 385
 
Points)
 on 2/8/12 at 7:07am
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UFOinsider's picture

Brady4MVP wrote: socola2003

UFOinsider
      O
 
(Human, 10,300
 
Points)
 on 2/8/12 at 8:33am

YOU JUST GOT TROLLED
http://www.troll.me/images/red-foreman322/dont-you...

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N.R.G.'s picture

ECs are usually not the

N.R.G.
     
 
(Orangutan, 293
 
Points)
 on 2/8/12 at 11:58am
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IRSPB's picture

There are always people who

IRSPB
     
 
(Senior Baboon, 225
 
Points)
 on 2/8/12 at 12:11pm
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manbearpig's picture

seedy underbelly

manbearpig
      CO
 
 
(Neanderthal, 3,029
 
Points)
 on 2/8/12 at 12:19pm

-MBP

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UFOinsider's picture

manbearpig wrote: seedy

UFOinsider
      O
 
(Human, 10,300
 
Points)
 on 2/8/12 at 12:32pm

YOU JUST GOT TROLLED
http://www.troll.me/images/red-foreman322/dont-you...

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RE Capital Markets's picture

Interesting. This discussion

RE Capital Markets
      RE
 
 
(Gorilla, 649
 
Points)
 on 2/8/12 at 1:18pm

Man made money, money never made the man

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RE Capital Markets's picture

Awon Eleyi Awon Eleyi Won Bad

RE Capital Markets
      RE
 
 
(Gorilla, 649
 
Points)
 on 2/8/12 at 1:22pm

Man made money, money never made the man

  • 0
  •  
  •  
RE Capital Markets's picture

seedy underbelly

RE Capital Markets
      RE
 
 
(Gorilla, 649
 
Points)
 on 2/8/12 at 1:36pm

Man made money, money never made the man

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  •  
wolverine19x89's picture

RE Capital Markets wrote: I

wolverine19x89
      O
 
(King Kong, 1,844
 
Points)
 on 2/8/12 at 1:49pm

If your dreams don't scare you, then they are not big enough.

"There are two types of people in this world: People who say they pee in the shower, and dirty fucking liars."-Louis C.K.

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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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