Thank you for visiting the Umoo Site (the “Site”). The Site allows subscribers or users ("you" or "User") to participate in a stock trading simulator game.  The Site may be used solely for entertainment and education.  Please carefully read these terms of use (the “Terms”). By registering for or using our Site, you thereby agree to the Terms.  By clicking "I accept" following these Terms, or by registering, accessing or transmitting information in connection with this Site, you accept the legally binding Terms set forth below, as well as the terms of our Privacy Policy.  If you do not agree to the Terms, you should exit our Site and not use or review any of the information that is posted on this Site.

Registration & Account Use.  You must be at least Eighteen (18)years old in order to register for use of the Site.  Notwithstanding the foregoing, if you reside in a state, country or other jurisdiction that requires a higher minimum age for your use of the Site or participation in its activities, you must comply with the applicable law. When you register with Umoo and set up your account, you must:(i)         provide Umoo with accurate and complete information, including without limitation, your name, address, telephone number, a valid credit card number and any other necessary account information; and(ii)        update your account information with any new information within thirty (30) days of changes to such information. Further, you will not use false identities or impersonate any other person or use a name that you are not authorized to use. We encourage you to read our Privacy Policy at [link] for information about our policies and procedures regarding the collection, use and disclosure of personal information we receive.You represent and warrant that information provided in connection with registration is current, truthful and complete.    You are responsible for safeguarding and maintaining the confidentiality of your username, password and corresponding account information.  You agree not to disclose your password to anyone.  You agree that you are entirely and solely responsible for any and all activities or actions that occur under your Umoo account, whether or not you have authorized such activities or actions.  You hereby indemnify and, at our request, defend Umoo against all claims, losses, damages or other liabilities arising from or relating to activities or actions that occur under your Umoo account.  You agree to notify Umoo of any unauthorized use of your Umoo account or any other breach of security within (24) twenty-four hours of such use being known to you. In the event that your username or password is stolen, please notify Umoo immediately so that a new username or password can be created. You agree that you will not permit, enable, introduce or facilitate persons who do not have a Umoo account to have access to or use of the Site.We may terminate your account immediately and without notice if you do not comply with the Terms or if we believe your participation in the Site does not comply with applicable laws.

Intellectual Property Rights. Umoo owns the copyright in the Site and its content, including its overall appearance, graphics design and underlying source files. You may download or copy material from our Site, only for your own personal, non-commercial use. Any other use is forbidden. Except as permitted above, you may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, create derivatives of, link into, frame or use for any public or commercial purpose the contents of this Site without the prior written permission of Umoo.
The entire contents of this Site are protected by copyright and/or other intellectual property rights. No copyright notices, other intellectual property or legal notices or other identifying information may be removed from downloaded materials.

Umoo’s name and other Umoo product names and logos referenced in this Site are trademarks of Umoo or its affiliates. Rights in marks and logos which appear on the Site are reserved to the owners thereof, and Umoo is not affiliated with and does not endorse such entities.  You may not separate from this Site, or copy or download separate from our Site, or otherwise use any of these trademarks or logos. Nothing contained in this Site should be construed as granting any license or right to use any of these trademarks or logos.

Financial Advice.  The Site does not offer financial advice of any kind.  The Site does not recommend stock trading or other forms of investment.  We recommend that you consult with qualified professionals prior to making actual investments or financial decisions.  Any information available through the site's Data Center, or suggestions or feedback presented by other users on discussion forums is not offered as financial advice, and should not be the basis for actual financial activities.  Any transactions you perform by means of the Site are simulations and do not constitute or reflect actual investments.

Legality; No Gambling.  Use of the Site in connection with gambling activities is strictly prohibited. You are responsible for verifying that use of the Site in your jurisdiction is permitted. If you have any questions regarding the legality of using the Site in your jurisdiction, please consult legal counsel. When you access, register for or use the Site, you do so at your own risk, and you are solely responsible for complying with all applicable rules and regulations in connection with activities relating to the Site. Residents of Arizona, Arkansas, Connecticut, Delaware, Florida, Illinois, Iowa, Louisiana, Maryland, Montana, South Carolina, South Dakota, Tennessee, Utah and Vermont may not participate in games requiring a cash entry fee ("Cash Competitions.") Should a resident of the above stated states, elect to participate in the money games at UMOO despite the restriction, their account will be permanently blocked and they will not be able to withdraw funds from their account.

Limitations on Participation.  You may establish only one account per person to participate in the activities offered on the Site. The Site reserves the right to monitor any effort to establish multiple accounts; in the event the Site discovers that you have opened more than one account per person all additional accounts will be closed without notice and continued violation will result in the termination of any and all of your accounts and Umoo may void any associated prizes. The Site also reserves the right to deny access to anyone, including, but not limited to, those players who use proxy servers and/or IP addresses residing in certain geographical areas.The Site may impose dollar amount limitations on the credit card transactions in which you engage to fund your activities on the Site. The Site may also impose limitations on the net dollar amount you may expend in connection with the Site in any calendar month; should your expenditures reach the designated limit, your participation in activities offered on the Site will be restricted until the beginning of the next calendar month. The Site reserves the right to change these dollar amount limitations at any time. The Site reserves the right to set expiration dates or other limits on all credits made available in connection with the Site and do to expire the credit balance of any dormant account. As used in these Terms, "credits" means any credit deposited by you or Umoo into an account, including, but not limited to, promotional credits, participation fee credits, accounting credits, prize credits, and gift credits. A dormant account shall be defined as any account that has been inactive for more than 180 days.Umoo  management decisions are final in all matters relating to the Site and activities related to the Site.

Fees.  Participation in certain Site activities is subject to participation fees.  You are solely responsible for any applicable taxes in your jurisdiction An 'inactive participant account' is any account in which the user has not logged in or participated in any trading simulation activities (for fee or free) in six consecutive months. For any inactive participant account that is inactive, the Site reserves the right to assess a maintenance fee of $1.50 per month. On the fifth month of inactivity the Site will notify account owners of their inactivity and the scheduled maintenance fee via email.

Prizes.  For certain Site activities, we will offer certain prizes to registered Users who in our discretion and based on our stored data are the best performers within the parameters described in rules posted on the Site.  Prizes may be subject to withholding or other deductions in accordance with applicable law.  You authorize Umoo to deduct any such amounts from the prize.  You will need to provide Umoo with certain information in order to collect prizes.  You are responsible for any such information you provide.  You hereby waive any claim you may have against Umoo in connection with Prizes.    

Use of Non-Personally Identifying Information. Subject to the provisions below in respect of personal identifying information, any communication or material that you transmit to Umoo through the Site, by electronic mail or otherwise, including any data, questions, comments, suggestions and the like, is, and will be treated as, non-confidential and non-proprietary information. Please do not transmit any confidential information to or through this Site. Umoo may use such communication or material for any purpose whatsoever including, without limitation, for disclosure, reproduction and publication. Umoo will be free, without any compensation to you, to use any concepts or know-how contained in any communication or material that you send to our Site for any purpose whatsoever.  In addition, Umoo will be free to use any non-identifying statistical information relating to the Site or use thereof without any compensation to you.

Use of Personally Identifying Information and Privacy Policy. Umoo will use your personally identifying information only for the purposes specified in its Privacy Policy. Please see Umoo’s Privacy Policy for further details on how information may be gathered by Umoo and used on this Site. You represent and warrant that you have reviewed the Privacy Policy and agree to its terms.  By registering for the Site, you grant of permission for Umoo to use your name, likeness, image, portfolio information and results without additional compensation.

Our Commitment to Security. We have put in place physical and electronic procedures to safeguard and help prevent unauthorized access, maintain data security.  We reserve the right to commence civil and criminal proceedings against unauthorized users of the Site, or in connection with activities not in compliance with these Terms or applicable law.  We reserve the right to monitor, view and record activities in respect of the Site without notice or permission from you.  Any such information may be accessed by law enforcement organizations.  We will comply with court orders with respect to requests for information. You agree that the Site is not responsible for any damage, loss or injury resulting from hacking, tampering or other unauthorized access or use of the Site or your account.  Any attempt to gain unauthorized use of the Site's systems or any account, interfere with procedures or performance of the Site, or deliberately damage or undermine the Site is prohibited and will result in termination of your account, forfeiture of any prize and civil and criminal prosecution.Links. Our Site may be linked to third party websites. Umoo has no control over the content or information posted on such third party websites and we do not assume and we expressly disclaim any responsibility or liability therefore. Third party websites may have terms of use and privacy policies that are different from those that apply to the Site. You should refer to these third party websites’ respective privacy notices and terms of use.

Emails & Correspondences.  By registering at the Site, you acknowledge and agree that we may send users emails relating to their account, transactions and Site promotions. You can opt out of your [subscription to Umoo.com e-mail services at any time by logging in to Umoo.com and selecting User Profile under the heading My Account. You can also unsubscribe to special promotional e-mails at any time by clicking on the unsubscribe link in any of our email communications

Use Guidelines.  You understand and agree that Umoo may review and edit or delete any messages, photos communications or other content (collectively, "Content") that in the sole judgment of Umoo, violate these Terms or which may be offensive, illegal or violate the rights, harm, or threaten the safety of any User. You are solely responsible for the Content you submit and/or publish or display (hereinafter, "post") to the Site or any material or information you transmit to other Users. By posting Content on any public area of the Site, you automatically grant, as well as represent and warrant, that you have the right to grant to Umoo, an irrevocable, perpetual, non-exclusive, fully paid, worldwide license to use, copy, perform, display and distribute such information and content and that Umoo has the right to prepare derivative works of, or incorporate into other works, such information and content, and to grant and authorize sublicenses of the foregoing. The following is a partial list of the type of Content and activities that are illegal or prohibited on the Site. Umoo reserves the right to investigate and take appropriate legal action in its sole discretion against anyone who violates this provision, including without limitation, removing the offending Content from the Site and terminating the registration of each violator. Prohibited Content and activities include, but are not limited to:o    Content that is patently offensive and promotes racism, bigotry, hatred or physical harm of any kind against any group or individual o    Activity that harasses or advocates harassment of another person o    Transmitting "junk mail", "chain letters," or unsolicited mass mailing or "spamming". o    Engaging in advertising to, or solicitation of, any User to buy or sell any products or services through the Site, including stock picks information. o    Promoting information that you know is false or misleading or promotes illegal activities or conduct that is abusive, threatening, obscene, defamatory or libelous. o    Creating restricted or password only access pages or hidden pages or images (those not linked to or from another accessible page). o    Providing material that exploits people under the age of 18 in a sexual or violent manner, or solicits personal information from anyone under 18. o    Soliciting passwords or personal identifying information for commercial or unlawful purposes from other users. o    Providing commercial activities and/or sales without our prior written consent such as contests, sweepstakes, barter, advertising, or pyramid schemes. o    Modifying, adapting, translating, or reverse engineering any portion of the Site. o    Removing any copyright, trademark or other proprietary rights notices contained in or on the Site. o    Using any robot, spider, site search/retrieval application, or other device to retrieve or index any portion or the Site. o    Reformatting or framing any portion of the web pages that are part of the Site. o    Creating user accounts by automated means or under false or fraudulent pretenses. o    Submitting Content that falsely express or imply that such Content is sponsored or endorsed by Umoo or its affiliates. o    Submitting Content that infringe misappropriate or violate the intellectual property, publicity, privacy or other proprietary rights of any party. o    Transmitting any viruses, worms, defects, Trojan horses or other items of a destructive nature. o    Submitting Content that is unlawful or promote or encourage illegal activity. While Umoo prohibits such conduct and content on its site, you understand and agree that you nonetheless may be exposed to such Content and that you use the Site at your own risk. You must use the Site in a manner consistent with any and all applicable laws and regulations. You may not engage in advertising to, or solicitation of, any User to buy or sell any products or services through the Site. Although Umoo cannot monitor the conduct of its Users off the site, it is also a violation of these rules to use any information obtained from the Site to harass, abuse or harm another person or to contact, advertise to, solicit or sell to any User without their prior explicit consent. In order to protect our Users from such advertising or solicitation, Umoo reserves the right to restrict the number of emails which a Participant may send to other Users in any 24-hour period to a number which Umoo deems appropriate in its sole discretion. The Site is made available for your personal, non-commercial use only. Businesses, organizations or other legal entities may not use the Site for any purposeYou may not use the Site for any illegal or unauthorized purpose. International users agree to comply with all local rules regarding online conduct and acceptable content, including laws regulating the export of data from the United States or your country of residence. You are solely responsible for your conduct and any data, text, information, graphics, photos, profiles, audio and video clips, links and other content that you submit, post, and display on the Site. We may, but shall have no obligation to, remove materials that we determine in our sole discretion are unlawful, fraudulent, threatening, libelous, defamatory, obscene or otherwise objectionable, or infringes or violates any party's intellectual property or other proprietary rights or these Terms.

Limitation of Liability; Disclaimers. Data available on the Site is for educational, entertainment and information purposes only.  Use of this information in violation of applicable laws is expressly prohibited.  Umoo does not endorse or recommend the services of any advertiser.  If you choose to patronize any of our advertisers, you do so at your own risk.  Umoo has made and will continue to make all reasonable efforts to include accurate and up-to-date information on this Site. However, Umoo cannot guarantee that the information posted on this Site is accurate, complete or suitable for any purpose and you should not rely on it for any decision or to take any action.  In addition, Umoo cannot guarantee that the content posted on this Site has not been affected by technical malfunctions or unauthorized tampering. Umoo does not guarantee that material on this Site will be free from infection, viruses, worms, Trojan horses and/or other code that has contaminating or destructive properties. It is your responsibility to take protective steps such as virus checking.

Umoo may alter or remove materials from this Site at any time. THE SITE AND RELATED SERVICES ARE  OFFERED ON AN AS-IS BASIS.  TO THE FULLEST EXTENT ALLOWED UNDER APPLICABLE LAW, UMOO MAKES NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT, WITH RESPECT TO THE USE OF THIS SITE OR ANY INFORMATION POSTED ON OR SERVICES OBTAINED THROUGH THIS SITE. IN NO EVENT WILL UMOO, ITS AFFILIATES, EMPLOYEES OR OFFICERS BE LIABLE FOR ANY DAMAGES OR LOSSES OF ANY KIND WHATSOEVER RESULTING TO YOU OR TO ANY THIRD PARTY DIRECTLY OR INDIRECTLY FROM ANY USE OF THIS SITE OR DEFECT IN THIS SITE OR ANY INFORMATION CONTAINED IN THIS SITE, INCLUDING BUT NOT LIMITED TO CONSEQUENTIAL, PUNITIVE, INCIDENTAL OR OTHER INDIRECT DAMAGES.  IF THE FOREGOING LIMITAITON OF LIABILITY IS NOT ENFORCEABLE, LIABILITY OF UMOO IN CONNECTIO WITH THE SITE, USE THEREOF OR ANY PRIZE UNDER ANY LEGAL THEORY IS LIMITED TO THE AMOUNT OF PARTICIPATION FEES PAID BY THE USER IN THE RELEVANT SIMULATION.
BY USING THIS SITE, YOU EXPRESSLY ASSUME ALL RISK THAT THE INFORMATION AND MATERIALS ON THIS SITE MAY BE INCOMPLETE, INACCURATE, OUT-OF-DATE, OR MAY NOT MEET YOUR NEEDS OR REQUIREMENTS.The Site is nor responsible for any loss caused by unauthorized use of your credit card or other method of payment.  Any attempt to defraud the Site through use of credit cards or other methods of payment, or failure to honor legitimate charges, will result in termination of your account, forfeiture of prizes and criminal and civil prosecution.  Some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. You are responsible for checking your local laws for any restrictions or limitations regarding the exclusion of implied warranties.You will indemnify and hold harmless Umoo, its affiliates, and any of their respective officers, directors, and employees, from and against any and all damages, judgments, settlements, penalties, costs and expenses (including attorneys’ fees) paid or incurred in connection with claims due to, resulting from or arising in connection with your use of this Site or breach of this Agreement.

No Class Action.  BY REGISTERING FOR THE SITE, YOU ARE GIVING UP ANY RIGHT YOU MIGHT HAVE TO COMMENCE OR PARTICIPATE IN ANY CLASS OR GROUP LITIGATION OR PROCEEDING AGAINST THE SITE, its affiliates, and any of their respective officers, directors, and employees.

You understand that, in return for your agreement to this section and the other provisions of these Terms, Umoo is able to offer the Site activities at the terms set out herein, and that your assent to this provision is an indispensable consideration to this Agreement.

Revision and Update of Terms. Umoo may revise the Terms at any time without notice by updating this Site. All updates to the Terms will be posted on this page. You are bound by any revisions or updates. You should periodically visit these Terms to review the current terms that apply to your use of our Site. Last update: May 1st, 2008.

Survival, Waiver.  The Terms shall survive any termination of your account or any termination of this agreement.  Failure to insist on compliance with the Terms shall not constitute a waiver thereof.

Entire Agreement.  These terms constitute the entire agreement between Umoo and you with respect to the Site.  However, you may be subject to additional terms of third parties who may provide information or services by means of the Site.

Governing Laws; Jurisdiction. The Terms are governed and interpreted pursuant to the laws of the British Virgin Islands, notwithstanding any principles of conflicts of law. If you access this site from another jurisdiction, you are responsible for ensuring compliance with any local laws relating to access and use of this Site.  You hereby consent to the jurisdiction of the qualified courts operating in the British Virgin Islands.

Severability.  If any provision of these Terms is held to be invalid, illegal or unenforceable for any reason, such provision shall be deemed modified so that it is an enforceable provision that most closely approximates the parties' intent.

How to Contact Us. If you have any questions or concerns about the Terms for this Site you may contact us at.