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Wall Street Oasis » Forums » Business School Barrage
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MBA class of 2015 applicants thread
 

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TheLastCall's picture
TheLastCall
     
 
(Baboon, 134
 
Points)
 on 9/30/12 at 4:00am
mba applicants.jpg

I haven't seen this thread yet, so i figure it's time to get the ball rolling since round 1 deadlines are coming up.

If you can, post which rounds you're applying to, and rank the schools in order of preference. If you want to add more details, such as career goals, numbers, etc., feel free to do that as well. I will start first.

Round 2

Wharton
Sloan
Booth
Columbia
Tuck
Stern

Career goals: still debating on whether i should go into a specialized area of finance or try for MBB consulting, with a nonprofit focus. I realize they are very different fields, so i need to make up mind relatively soon on what story i want to tell b-schools.

  • MBA
  • class of 2015
  • admissions
  • Business School Barrage
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yaledude05's picture

Round 1 HBS Stanford

yaledude05
      HF
 
(Chimp, 1
 
Points)
 on 9/28/12 at 9:25am

Round 1
HBS
Stanford

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holla_back's picture

Round 2 (in relative order of

holla_back
      O
 
(King Kong, 1,195
 
Points)
 on 9/28/12 at 12:27pm

Round 2 (in relative order of preference):

HBS
Tuck
Columbia
Kellogg or Booth
YSOM
Stern
Texas

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In reply to holla_back
TheLastCall's picture

holla_back: Round 2 (in

TheLastCall
     
 
(Baboon, 134
 
Points)
 on 9/28/12 at 1:26pm
holla_back:

Round 2 (in relative order of preference):

HBS
Tuck
Columbia
Kellogg or Booth
YSOM
Stern
Texas

Tuck ahead of columbia/booth/kellogg? That's pretty unusual. And yale over stern? Hmm.

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mba2015's picture

-

mba2015
      IB
 
(Senior Monkey, 66
 
Points)
 on 9/28/12 at 1:28pm

-

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cphbravo96's picture

Round 2 applicant

cphbravo96
      PE
 
 
(Senior Neanderthal, 5,048
 
Points)
 on 9/28/12 at 1:50pm

Round 2 applicant here.

Darden
Fuqua
Kenan-Flagler

I'm trying to decide on some others with Vanderbilt and Emory being possibilities. Depending on where my GMAT comes out, I might put in an application to HBS.

Career aspirations? I would like to get into a general MM PE shop, but realize that might be tough given my background, etc. I will definitely recruit for MM and boutique IBs like Harris Williams, BlackArch Partners, etc. and hope to make a transition to a reputable PEG after a couple of years as an IB associate, assuming I decide I don't want to stay where I'm at.

Anyone else looking at similar schools, similar paths, etc.?

Regards

"The trouble with our liberal friends is not that they're ignorant, it's just that they know so much that isn't so."
- Ronald Reagan

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In reply to TheLastCall
holla_back's picture

TheLastCall: holla_back: Ro

holla_back
      O
 
(King Kong, 1,195
 
Points)
 on 9/29/12 at 12:15am
TheLastCall:
holla_back:

Round 2 (in relative order of preference):

HBS
Tuck
Columbia
Kellogg or Booth
YSOM
Stern
Texas

Tuck ahead of columbia/booth/kellogg? That's pretty unusual. And yale over stern? Hmm.

Yeah, I've always had a real hard-on for Tuck. Tuck provides just as much opportunity as any other non-HSW school, the alumni's love for their school is seemingly unrivaled, and I'd love to live up in the woods for two years.

And why not Yale over Stern? I'd argue that Yale and Stern are definitely in the same tier, and it's be nice to get out of NYC for a couple years. I would also seriously consider Yale over Kellogg.

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In reply to holla_back
TheLastCall's picture

holla_back: TheLastCall:

TheLastCall
     
 
(Baboon, 134
 
Points)
 on 9/29/12 at 12:54am
holla_back:
TheLastCall:
holla_back:

Round 2 (in relative order of preference):

HBS
Tuck
Columbia
Kellogg or Booth
YSOM
Stern
Texas

Tuck ahead of columbia/booth/kellogg? That's pretty unusual. And yale over stern? Hmm.

Yeah, I've always had a real hard-on for Tuck. Tuck provides just as much opportunity as any other non-HSW school, the alumni's love for their school is seemingly unrivaled, and I'd love to live up in the woods for two years.

And why not Yale over Stern? I'd argue that Yale and Stern are definitely in the same tier, and it's be nice to get out of NYC for a couple years. I would also seriously consider Yale over Kellogg.

Tuck does have probably the most loyal alumni network among any b-school. It does however have 2 disadvantages. First, its remote location makes it harder for students to network with firms. Second, its small alumni network is also a liability. They do well in consulting and banking and to a lesser extent some of the investment management firms in boston.

Yale is IMO not a great school, and I don't get the hype. Maybe I'm missing something here. Yes, Dean Snyder is a great dean, and the new building opening up in december 2013 looks great. But Yale SOM is a fairly young program; consequently, its alumni network is very weak, and it just doesn't get respect from major recruiters. Will this change in the next 5-10 years? Perhaps, but you're not paying $150K to attend a school that might pay off in the long-term if SOM rapidly moves up in the rankings. You want to spend the money for a school that is currently respected and can get you opportunities coming out. Yale over Stern for finance makes no sense to me, and Yale over Kellogg for anything, is ridiculous.

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In reply to TheLastCall
holla_back's picture

TheLastCall: Tuck does have

holla_back
      O
 
(King Kong, 1,195
 
Points)
 on 9/29/12 at 5:15am
TheLastCall:

Tuck does have probably the most loyal alumni network among any b-school. It does however have 2 disadvantages. First, its remote location makes it harder for students to network with firms. Second, its small alumni network is also a liability. They do well in consulting and banking and to a lesser extent some of the investment management firms in boston.

Yale is IMO not a great school, and I don't get the hype. Maybe I'm missing something here. Yes, Dean Snyder is a great dean, and the new building opening up in december 2013 looks great. But Yale SOM is a fairly young program; consequently, its alumni network is very weak, and it just doesn't get respect from major recruiters. Will this change in the next 5-10 years? Perhaps, but you're not paying $150K to attend a school that might pay off in the long-term if SOM rapidly moves up in the rankings. You want to spend the money for a school that is currently respected and can get you opportunities coming out. Yale over Stern for finance makes no sense to me, and Yale over Kellogg for anything, is ridiculous.

For me at least, Yale over Stern would be a no-brainer just due to Yale's strict grade non-disclosure; YSOM seems like a whole lot of fun, and obviously places plenty of people (27% in IB according to the most recent report) in finance if that's your thing. Stern's (maybe completely undeserved) reputation is one of a school full of uber-competitive finance dudes who didn't get into Columbia.

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In reply to TheLastCall
SirTradesaLot's picture

.

SirTradesaLot
     
 
 
(Senior Neanderthal, 4,781
 
Points)
 on 9/29/12 at 10:15am

.

I'm a lover, not a fighter, but I'm also a fighter, so don't get any ideas.

My WSO Blog

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In reply to holla_back
TheLastCall's picture

holla_back: TheLastCall: Tu

TheLastCall
     
 
(Baboon, 134
 
Points)
 on 9/29/12 at 12:36pm
holla_back:
TheLastCall:

Tuck does have probably the most loyal alumni network among any b-school. It does however have 2 disadvantages. First, its remote location makes it harder for students to network with firms. Second, its small alumni network is also a liability. They do well in consulting and banking and to a lesser extent some of the investment management firms in boston.

Yale is IMO not a great school, and I don't get the hype. Maybe I'm missing something here. Yes, Dean Snyder is a great dean, and the new building opening up in december 2013 looks great. But Yale SOM is a fairly young program; consequently, its alumni network is very weak, and it just doesn't get respect from major recruiters. Will this change in the next 5-10 years? Perhaps, but you're not paying $150K to attend a school that might pay off in the long-term if SOM rapidly moves up in the rankings. You want to spend the money for a school that is currently respected and can get you opportunities coming out. Yale over Stern for finance makes no sense to me, and Yale over Kellogg for anything, is ridiculous.

For me at least, Yale over Stern would be a no-brainer just due to Yale's strict grade non-disclosure; YSOM seems like a whole lot of fun, and obviously places plenty of people (27% in IB according to the most recent report) in finance if that's your thing. Stern's (maybe completely undeserved) reputation is one of a school full of uber-competitive finance dudes who didn't get into Columbia.

Yes, stern is full of very bitter columbia rejects who have a chip on their shoulders. My friends at "better" schools have always said disparaging things about them. Nonetheless, stern is still more respected than yale in finance, and its NYC location is pretty sweet. Maybe Yale SOM has secretly been on the rise, and I just haven't known about it. Also, i'm not sure how much fun SOM is since new haven sucks, and on the yale campus they are seen as a joke, akin to education students at harvard.

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shorttheworld's picture

the retardedness of some of

shorttheworld
      EN
 
 
(Senior Neanderthal, 4,396
 
Points)
 on 9/29/12 at 6:22pm

the retardedness of some of you on this board confounds me, even as a state school kid

I need a crib, a big estate, I need a boat and that need a lake, I need some salmon that need a plate, that need a chef so I feed my safe

From trading equities to slanging wine in Latin America

A ship is safe in harbor, but that is not what a ship i

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In reply to shorttheworld
SirTradesaLot's picture

shorttheworld: the

SirTradesaLot
     
 
 
(Senior Neanderthal, 4,781
 
Points)
 on 9/29/12 at 6:36pm
shorttheworld:

the retardedness of some of you on this board confounds me, even as a state school kid

Agreed.

I'm a lover, not a fighter, but I'm also a fighter, so don't get any ideas.

My WSO Blog

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In reply to shorttheworld
ReluctantMBA's picture

shorttheworld: the

ReluctantMBA
      O
 
(Monkey, 64
 
Points)
 on 9/30/12 at 9:26am
shorttheworld:

the retardedness of some of you on this board confounds me, even as a state school kid

I always consider the source before taking any of the posts on this board seriously. I can't listen to people who have never even gotten into a b-school.

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In reply to shorttheworld
trailmix8's picture

shorttheworld: the

trailmix8
      AM
 
 
(Senior Gorilla, 942
 
Points)
 on 9/30/12 at 10:13am
shorttheworld:

the retardedness of some of you on this board confounds me, even as a state school kid

double agreed

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cinnamontoastcrunch's picture

Round

cinnamontoastcrunch
      O
 
(Orangutan, 262
 
Points)
 on 9/30/12 at 11:56am

Round 1:

Harvard
Stanford
Wharton

Will submit for Columbia depending on R1 outcomes.

My WSO Blog

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IlliniProgrammer's picture

Brady. I know you are

IlliniProgrammer
      ST
 
 
(Almost Human, 9,257
 
Points)
 on 9/30/12 at 1:09pm
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Work hard, play hard.

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In reply to TheLastCall
IlliniProgrammer's picture

TheLastCall: Yes, stern is

IlliniProgrammer
      ST
 
 
(Almost Human, 9,257
 
Points)
 on 9/30/12 at 1:23pm

Work hard, play hard.

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In reply to IlliniProgrammer
TheLastCall's picture

IlliniProgrammer: TheLastCa

TheLastCall
     
 
(Baboon, 134
 
Points)
 on 9/30/12 at 1:27pm
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IlliniProgrammer's picture

Yes, I'm sure there are

IlliniProgrammer
      ST
 
 
(Almost Human, 9,257
 
Points)
 on 9/30/12 at 1:35pm

Work hard, play hard.

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In reply to IlliniProgrammer
TheLastCall's picture

IlliniProgrammer: Yes, I'm

TheLastCall
     
 
(Baboon, 134
 
Points)
 on 9/30/12 at 2:02pm
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IlliniProgrammer's picture

No one I know at HBS is

IlliniProgrammer
      ST
 
 
(Almost Human, 9,257
 
Points)
 on 9/30/12 at 2:07pm

Work hard, play hard.

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In reply to TheLastCall
GS's picture

TheLastCall: t. A good

GS
      ST
 
(Senior Gorilla, 903
 
Points)
 on 9/30/12 at 2:24pm
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In reply to IlliniProgrammer
wannabeaballer's picture

IlliniProgrammer: Also, a

wannabeaballer
      O
 
(Senior Orangutan, 459
 
Points)
 on 9/30/12 at 3:05pm
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In reply to GS
TheLastCall's picture

GS: TheLastCall: t. A good

TheLastCall
     
 
(Baboon, 134
 
Points)
 on 9/30/12 at 3:14pm
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In reply to IlliniProgrammer
TheLastCall's picture

IlliniProgrammer: No one I

TheLastCall
     
 
(Baboon, 134
 
Points)
 on 9/30/12 at 3:17pm
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In reply to TheLastCall
ReluctantMBA's picture

TheLastCall: IlliniProgramm

ReluctantMBA
      O
 
(Monkey, 64
 
Points)
 on 9/30/12 at 3:31pm
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In reply to TheLastCall
GS's picture

TheLastCall: GS: TheLastC

GS
      ST
 
(Senior Gorilla, 903
 
Points)
 on 9/30/12 at 3:38pm
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LTV's picture

TheLastCall: I think you

LTV
      HF
 
 
(Gorilla, 548
 
Points)
 on 9/30/12 at 4:49pm
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In reply to LTV
GS's picture

LTV: TheLastCall: I think

GS
      ST
 
(Senior Gorilla, 903
 
Points)
 on 9/30/12 at 5:18pm
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Relinquis's picture

A lot of accomplished young

Relinquis
      RE
 
 
(Neanderthal, 2,186
 
Points)
 on 9/30/12 at 5:19pm

relinquis... Killing the GMAT this December; Over/Under set at: 725 GMATs.

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In reply to GS
DagwoodDeluxe's picture

Haha I was reading this on my

DagwoodDeluxe
      PE
 
(Senior Baboon, 215
 
Points)
 on 9/30/12 at 7:45pm
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In reply to DagwoodDeluxe
GS's picture

DagwoodDeluxe: Haha I was

GS
      ST
 
(Senior Gorilla, 903
 
Points)
 on 9/30/12 at 8:12pm
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Cmoss's picture

UT Dallas here I come!

Cmoss
      O
 
(Senior Orangutan, 491
 
Points)
 on 9/30/12 at 9:25pm
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In reply to Relinquis
huanleshalemei's picture

Relinquis: I'll probably

huanleshalemei
     
 
(Gorilla, 546
 
Points)
 on 9/30/12 at 9:33pm

The Auto Show

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In reply to GS
DagwoodDeluxe's picture

GS: DagwoodDeluxe: Haha I

DagwoodDeluxe
      PE
 
(Senior Baboon, 215
 
Points)
 on 9/30/12 at 9:55pm
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In reply to DagwoodDeluxe
TheLastCall's picture

DagwoodDeluxe: GS: Dagwoo

TheLastCall
     
 
(Baboon, 134
 
Points)
 on 9/30/12 at 10:02pm
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shorttheworld's picture

exit brady, enter

shorttheworld
      EN
 
 
(Senior Neanderthal, 4,396
 
Points)
 on 9/30/12 at 10:08pm

I need a crib, a big estate, I need a boat and that need a lake, I need some salmon that need a plate, that need a chef so I feed my safe

From trading equities to slanging wine in Latin America

A ship is safe in harbor, but that is not what a ship i

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In reply to cphbravo96
Ron Paul's picture

cphbravo96: Round 2 applicant

Ron Paul
     
 
(Senior Gorilla, 916
 
Points)
 on 9/30/12 at 10:53pm
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In reply to shorttheworld
TheLastCall's picture

shorttheworld: exit brady,

TheLastCall
     
 
(Baboon, 134
 
Points)
 on 9/30/12 at 11:32pm
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In reply to TheLastCall
huanleshalemei's picture

TheLastCall: shorttheworld:

huanleshalemei
     
 
(Gorilla, 546
 
Points)
 on 9/30/12 at 11:43pm

The Auto Show

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In reply to TheLastCall
GS's picture

TheLastCall: shorttheworld:

GS
      ST
 
(Senior Gorilla, 903
 
Points)
 on 10/1/12 at 12:58am
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In reply to Ron Paul
cphbravo96's picture

Ron Paul: How sure are you

cphbravo96
      PE
 
 
(Senior Neanderthal, 5,048
 
Points)
 on 10/1/12 at 1:12am

"The trouble with our liberal friends is not that they're ignorant, it's just that they know so much that isn't so."
- Ronald Reagan

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In reply to cphbravo96
TheLastCall's picture

cphbravo96: Ron Paul: How

TheLastCall
     
 
(Baboon, 134
 
Points)
 on 10/1/12 at 2:37am
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In reply to huanleshalemei
Relinquis's picture

huanleshalemei: Relinquis:

Relinquis
      RE
 
 
(Neanderthal, 2,186
 
Points)
 on 10/1/12 at 3:12am

relinquis... Killing the GMAT this December; Over/Under set at: 725 GMATs.

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Silchasruin99's picture

I'm suprised by how few

Silchasruin99
     
 
(Monkey, 46
 
Points)
 on 10/1/12 at 10:35am
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MonkeyMath's picture

Round

MonkeyMath
      CO
 
(Baboon, 139
 
Points)
 on 10/1/12 at 12:49pm
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In reply to TheLastCall
cphbravo96's picture

TheLastCall: Are you at all

cphbravo96
      PE
 
 
(Senior Neanderthal, 5,048
 
Points)
 on 10/1/12 at 1:50pm

"The trouble with our liberal friends is not that they're ignorant, it's just that they know so much that isn't so."
- Ronald Reagan

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Silchasruin99's picture

Who is this brady guy and

Silchasruin99
     
 
(Monkey, 46
 
Points)
 on 10/1/12 at 3:41pm
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In reply to Silchasruin99
IlliniProgrammer's picture

Silchasruin99: Who is this

IlliniProgrammer
      ST
 
 
(Almost Human, 9,257
 
Points)
 on 10/1/12 at 10:54pm

Work hard, play hard.

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Silchasruin99's picture

But he has a Booth MBA, isn't

Silchasruin99
     
 
(Monkey, 46
 
Points)
 on 10/1/12 at 6:04pm
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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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