BY ACCESSING THIS WEB SITE AND ANY PAGE OF THIS WEB SITE, YOU AGREE TO THE FOLLOWING TERMS AND CONDITIONS, WHICH GOVERN THIS WEB SITE.

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE SUBMITTING ANY INFORMATION. YOUR USE OF THE WEB SITE CONSTITUTES YOUR LEGALLY BINDING ACCEPTANCE OF AND AGREEMENT TO THESE TERMS OF USE.  IF YOU DO NOT AGREE TO THESE TERMS, PLEASE DO NOT USE THIS WEB SITE OR SUBMIT INFORMATION THROUGH THIS WEB SITE.

Greybeard Advisors LLC is the operator of this Web Site and reserves the right to change or modify these Terms and Conditions from time to time. Any changes to the Terms and Conditions will be in writing and posted on the Web Site.  The date of the latest changes will be indicated at the top of the document.  You are advised to check the Terms and Conditions periodically for updates.  Continued use of this Web Site following the posting of changes will mean that you agree to bound by such changes.

1. Copyright.  This Web Site is provided solely as a convenience for your use to submit and share true stories from your personal experience that are illustrative of one or more of the Beat the Odds principles, and does not create any business, contractual or employment relationship. Greybeard Advisors LLC ("Greybeard") does not grant any express or implied right(s) to you under any patent(s), copyright(s), trademark(s), or trade secret information through the Web Site. Accordingly, unauthorized use of any material contained on this Web Site may violate copyright laws, trademark laws, trade secret laws, the laws of privacy and publicity, and other regulations and statutes. All content ("Content") included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, is the property of Greybeard Advisors LLC and is protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of Greybeard Advisors LLC and protected by U.S. and international copyright laws. Content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, is the property of Greybeard Advisors, Copyright 2004 - 2006.  All rights reserved.
   
   
2. Surrender of use and benefit. By submitting your true stories, experiences, and other Submitted Materials (as defined below) to Greybeard Advisors LLC, you give your consent for Greybeard Advisors LLC to store such Submitted Materials and to use the same for the purposes described in the Web Site including without limitation distribution, republication, or for any other specified business purpose in any medium.  ALL INFORMATION YOU TRANSMIT TO OR THROUGH THE WEB SITE INCLUDING ANY SUBMITTED MATERIALS, DATA, STORIES, ACCOUNTS OF EXPERIENCES, QUESTIONS, COMMENTS, SUGGESTIONS OR THE LIKE IS, AND WILL BE TREATED AS, NON-CONFIDENTIAL AND NON-PROPRIETARY. Without limiting the foregoing, by submitting any Submitted Materials or other material to the Web Site, or e-mailing them to us, you automatically grant to Greybeard Advisors LLC a fully paid, world-wide, royalty-free, sublicenseable, perpetual, irrevocable, non-exclusive, transferable right and license to use, reproduce, modify, adapt, publish, edit, translate, distribute, publicly perform, display and otherwise exploit such Submitted Materials, including, but not limited to, all rights in copyright to such Submitted Materials and all elements thereof alone or as part of other works, throughout the universe, in perpetuity, in any form, media, or technology, whether now known or hereafter devised, and to sublicense such rights through multiple tiers of sublicenses, all without any obligation to you or any third parties, whether by way of compensation, attribution or otherwise.
   
   As used herein, "Submitted Materials" means any information, ideas, suggestions, concepts, messages, e-mails, postings, on-line discussions, literary works, drawings, illustrations or images, video, music, sound, multimedia or digital content, or any other copyrightable work or non-copyrightable idea, expression, or communication, regardless of whether you authored or created such work or communication, which you cause to be posted to, submitted to, or in any way transmitted via, the Site.
   
   
3. Representations and Warranties.  You are fully and solely responsible for the content and accuracy of all Submitted Materials (as defined below) that you may send or communicate to or through this Web Site as well as for ensuring that your provision of Submitted Materials through this Web Site for the purposes described in the Web Site does not and will not infringe on any third-party rights including without limitation rights of publicity, likeness, copyright, trademark, confidentiality, and similar intellectual property rights.  You acknowledge and agree that Submitted Materials sent to or by means of any portion of the Web Site are public. You acknowledge that (a) you have no expectation of privacy in Submitted Materials and (b) no confidential, fiduciary, contractually implied or other relationship is created between you and Greybeard Advisors LLC by reason of your transmitting Submitted Materials to any area of the Web Site.
   
   You agree that none of your Submitted Materials will contain information or content that (i) is proprietary and confidential or secret; (ii) infringes on the copyright or any other rights of any person or entity; (iii) reveals trade secrets or any information which you, or the source of your information, have agreed, expressly or impliedly, to keep confidential; (iv) includes sexually explicit images, depictions, or content; (v) is obscene, indecent, defamatory, abusive, or otherwise unlawful; (vi) contains a virus or any other potentially damaging content; (vii) constitutes harassment or stalking; or (viii) constitutes invasion of privacy, or misappropriation of statutory or common law rights to publicity or personality. Additionally, even if such content is legal, you agree that none of your Submitted Materials will contain information or content that: (A) contains or constitutes commercial advertising, solicitation, informational announcements, or political tracts; (B) constitutes, contains, or encourages "make-money fast" type messages, "chain letters" or "pyramid schemes" of any type; (C) contains false or misleading information; or (D) is purportedly sent from a person other than yourself (e.g., impersonation of another person or user).
   
   Without limiting the foregoing, you represent, warrant, and guarantee that (a) you have the full and unrestricted right to grant such rights to Submitted Materials, and that there are no other agreements with any third party in conflict herewith; (b) to the extent required, you have obtained licenses and full and complete written consent and releases of all relevant rights (including without limitation name, publicity and likeness rights) from third parties including without limitation each and every identifiable person in the Submitted Materials; and (c) Greybeard Advisors LLC's exercise of its rights granted by you hereunder shall not infringe upon any copyright or any other subsisting right of any third party. You waive any and all so-called "Moral Rights" or similar rights under any jurisdiction, now or hereafter recognized with respect to Greybeard Advisors LLC's (or its assignee’s) exercise of its rights hereunder.
   
   
4. Greybeard Advisors LLC shall have the right in its sole discretion to edit or reject any material submitted to the Web Site for any reason whatsoever.
   
   
5. Greybeard Advisors LLC does not guarantee the security of any information transmitted to or from this Web Site. You understand and agree to assume the security risk for any information you provide using this Web Site.