Terms of Use

Last updated: May 1, 2023

Disclaimer

Truetalks.live (the “Site”) is a website owned by DEMA Ltd., a company registered in Bulgaria. You are invited to submit articles, post comments, sign up to receive RSS feeds, and visit the Site. By using the Site, you expressly acknowledge and agree that any use of the Site will be in accordance with these Terms of Use.

If you do not agree to be bound by these Terms of Use, you may not use the Site. The Site reserves the right to modify these Terms of Use at any time and will publish notifications of material modifications at its sole discretion. By continuing to access the Site after notice of such modifications have been published, you signify your agreement to be bound by them.

Violations

If you believe that any content on the Site violates the Terms of Use, please notify the Site by sending an email to [email protected].

Our Facts, Opinions, Analyses, or Predictions May Be Wrong

The content of the Site is offered for general information, discussion, and entertainment purposes only. Some of the content is unmoderated by the site and reflects the personal opinions of the posters. You should be skeptical about any information on the Site because the information may be offensive, harmful, and/or wrong.

Do Not Violate Posting or Commenting Rules

You are responsible for your own postings and agree to access and use the Site at your own risk on an as-is basis. Your postings should be truthful and accurate. Do not make postings that involve the following:

  • Securities for sale, barter, or exchange
  • Harassment, defamation, threats, stalking, bullying, or violations of the legal rights of others
  • Illegal activities
  • Impersonation of any person or entity, or falsely states or misrepresents your affiliation with a person or entity
  • Infringement of another’s intellectual property, including, but not limited to, trade secrets, trademarks, and copyrights of any type
  • Obscene, vulgar, bigoted, hateful, or racially offensive language or images
  • Commercial advertising
  • Gambling, contests, or chain letters
  • Violations of any applicable local, state, national, or international law in connection with your use of the Site. This includes securities laws and regulations.
  • Comments personally attacking the author of a post.

Furthermore, you agree that, if a third party claims that any material you have contributed to the Site is unlawful, you will bear the full burden of establishing that the material complies with all applicable laws.

Disclosure Policy

The Site reserves the right to disclose any information as necessary to satisfy any applicable law, regulation, legal process, or governmental request. The Site may also edit, refuse to post, or remove any posting at the Site’s sole discretion. The Site reserves the right to restrict access by any users whom the Site believes, in its sole discretion, are engaged in inappropriate, unprofessional, or unlawful conduct.

The Site reserves the right to remove content which, in its sole discretion, violates any of the rules set forth herein of which it becomes aware, but is under no obligation to do so. If you are offended by any content of the Site, stop using the Site.

Disclaimer

The Site includes unmoderated information containing the personal opinions and other expressions of the persons who post entries on a wide range of topics. Such entries are the opinions of the specific authors and are not statements of advice, opinion, or information of the Site or any or any Site-affiliated person or entity.

Neither the content of the Site, nor the links to other websites contained therein, are routinely moderated, screened, approved, reviewed, or endorsed by the Site or any Site-affiliated person or entity.

The Site and any information, products or services therein are provided “as is” without warranty of any kind, either express or implied, including without limitation, the implied warranties of merchantability, fitness for use of a particular purpose, or noninfringement.

The Site does not warrant that the Site will operate in an uninterrupted or error-free manner or that the Site is free of viruses or other harmful components. Use of information obtained from or through the Site is at your own risk.

The site is not liable for any loss or damages including, but not limited to, claims for defamation, errors, loss of data, or interruption in availability of data arising out of the use or inability to use the Site or any links; to your placement of content on the Site; or to your reliance upon information obtained from or through the Site or through links contained on the Site.

The Site is not an intermediary, broker/dealer, investment advisor, or exchange and does not provide services as such.

Licenses

In consideration for your agreement to these Terms of Use, the Site grants you a personal, non-exclusive, non-transferable, revocable license to access and use the Site. You may access the material on the Site only for your own personal, non-commercial use. The burden of determining that use of any information obtained from the Site is permissible rests with you.

By posting to or otherwise engaging in any communication within the Site, you are granting the Site (or any of its assignees) a perpetual, royalty-free, and irrevocable right and license to use, reproduce, modify, adapt, publish, translate, distribute, transmit, publicly display, publicly perform, sublicense, create derivative works from, transfer, and sell any such information.

Copyright Policy

Pursuant to 17 USC. § 512 as amended by Title II of the Digital Millennium Copyright Act (the “DMCA”), the Site has instituted procedures to receive written notification of claimed infringements and to process such claims in accordance with the DMCA. If you believe your copyrights are being infringed, please fill out the Notice of Infringement form and mail it to DEMA Ltd.

The Notice of Infringement contains requested information that substantively complies with the safe harbor provisions of the Digital Millennium Copyright Act, 17 USC. § 512(c)(3)(A). Please refer to the DMCA for the complete list of requirements for an effective notice.

Please mail a separate Notice of Infringement each time you would like to report alleged acts of infringement.

Unauthorized Use

Unauthorized use of the Site in connection with the transmission of unsolicited e-mail, including the transmission of e-mail in violation of this policy, may result in civil, criminal, or administrative penalties against the sender and those assisting the sender.

Indemnification

You agree to indemnify and hold the Site and any Site-affiliated person or entity harmless from any claims, losses or damages, including legal fees, resulting from your violation of these Terms of Use, your use of the Site or your placement of any content onto the Site, and to fully cooperate in the Site’s or any Site-affiliated person’s or entity’s defense against any such claims.

Integration

These Terms of Use constitute the entire agreement between you and the Site and any Site-affiliated persons or parties with respect to the subject matter herein and supersede any and all prior or contemporaneous oral or written agreements.

Severability

If any provision of these Terms of Use is found to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be severed from the remainder of these Terms of Use, which will otherwise remain in full force and effect.

No Waiver

No waiver of any term or condition of these Terms of Use shall be deemed a further or continuing waiver of such term or condition or any other term or condition, and the Site’s failure to assert any right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

Contact Information

If you have any questions, concerns or notices regarding these Terms of Use or the Site, please contact us at [email protected].

Please note that communications made through the Site’s email and messaging systems shall not constitute legal notice to the Site or any of its officers, employees, agents or representatives in any situation where legal notice is required by contract or any law or regulation.

Limitation of Liability

IN NO EVENT SHALL THE SITE, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, REPRESENTATIVES, OR LICENSORS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, GOODWILL, OR DATA) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, INABILITY TO USE, OR RELIANCE UPON THE SITE, ITS CONTENT, OR ANY SERVICES, PRODUCTS, OR INFORMATION OBTAINED THROUGH THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.

You acknowledge and agree that your sole and exclusive remedy for dissatisfaction with the Site, its content, or any services, products, or information obtained through the Site is to discontinue your use of the Site.

Termination

The Site reserves the right, in its sole discretion, to terminate your access to all or part of the Site, with or without notice, for any reason or no reason at all, including, without limitation, your violation of these Terms of Use.

Survival

The provisions of these Terms of Use concerning copyright policy, indemnification, disclaimer, limitation of liability, choice of law and forum, and any other provisions which by their nature are intended to survive termination of your use of the Site or any content, shall survive any such termination.

Miscellaneous

These Terms of Use, together with our Privacy Policy, constitute the entire understanding and agreement between you and the Site concerning the subject matter herein. Any failure by the Site to exercise or enforce any right or provision of these Terms of Use shall not operate as a waiver of such right or provision. The section titles in these Terms of Use are for convenience only and have no legal or contractual effect. If any provision of these Terms of Use is, for any reason, held to be invalid or unenforceable, the other provisions of these Terms of Use will be unimpaired, and the invalid or unenforceable provision will be deemed modified so that it is valid and enforceable to the maximum extent permitted by law.

Content Contributors

Our site features user-generated content in the form of blog posts and comments. By submitting blog posts through RSS feeds or directly on the site, comments, or other content to the site, contributors agree to the following terms of use:

  • By contributing content such as blog posts submitted via RSS, blog posts written directly on the site, or comments, contributors grant DEMA Ltd. a perpetual, non-exclusive copyright to the content.
  • DEMA Ltd. reserves the right to decline publishing contributed content at our discretion.
  • DEMA Ltd. reserves the right to schedule syndicated and directly contributed content for publication on our site at any future date or time at our discretion.
  • DEMA Ltd. will always properly attribute all content in its full form or when excerpted at length (according to fair use guidelines) to the author.
  • DEMA Ltd. reserves the right to syndicate all contributed content via RSS to third parties.
  • All contributed content may include the author’s byline, a brief biography of the author, and, in the case of material provided to us via RSS from the author’s own blog, a link back to the original post in the footer of the full post.
  • Contributing authors are solely responsible for the originality and accuracy of their submissions.
  • DEMA Ltd. reserves the right to remove any sharing links or advertising accompanying contributed posts, particularly affiliate links. This may include RSS links back to the original article, as search engines may construe them as affiliate links, potentially damaging the authority of our site.
  • DEMA Ltd. reserves the right to set fonts and styles, adjust image alignments, and make other post layout alterations to ensure that posts comply with our global site styling.
  • Occasionally, DEMA Ltd. may need to display summary versions of contributed content. In such cases, we may edit posts in summary form. Summaries will always contain a link to the full and unaltered post. DEMA Ltd. will strive to preserve the original meaning and intent of the content in such circumstances.
  • DEMA Ltd. reserves the right to edit post headlines for clarity or search engine optimization (keyword inclusion).
  • DEMA Ltd. reserves the right to make corrections for spelling and grammar.
  • DEMA Ltd. reserves the right to remove photo links that are not links to the original source photo or copyright owner.
  • DEMA Ltd. reserves the right to insert relevant advertising in and around content.
  • DEMA Ltd. reserves the right to cache post images and serve them from our CDN.
  • Contributors are not entitled to any compensation from DEMA Ltd.
  • Contributing content to DEMA Ltd. does not in any way form an employee agreement.

Visitors

Unless expressly permitted, you may not publish or reproduce content that appears on any part of this site. The opinions expressed by users and content authors on this site are theirs alone and not those of DEMA Ltd. DEMA Ltd. reserves the right to block or remove postings or communications at any time at our sole discretion. Some links on this site may lead to third-party sites. DEMA Ltd. is not responsible for the content on those sites.

Privacy Policy

This Privacy Policy outlines how DEMA Ltd. collects, uses, maintains, and discloses information collected from users (each, a “User”) of the truetalks.live website (“Site”). This privacy policy applies to the Site and all products and services offered by DEMA Ltd.

Personal identification information

We may collect personal identification information from Users in various ways, such as when Users visit our site, register on the site, place an order, subscribe to our newsletter, respond to a survey, fill out a form, or engage with other activities, services, features, or resources available on our Site. Users may be asked for information such as their name, email address, mailing address, phone number, or credit card information. However, Users can visit our Site anonymously. We collect personal identification information from Users only if they voluntarily provide it to us. Users can refuse to provide personally identifiable information, but doing so may prevent them from engaging in certain Site-related activities.

Non-personal identification information

We may collect non-personal identification information about Users whenever they interact with our Site. This information may include the browser name, the type of computer, and technical information about Users’ means of connection to our Site, such as the operating system, the Internet service providers utilized, and other similar information.

Web browser cookies

Our Site may use “cookies” to enhance User experience and also for Advertising Purposes. Users’ web browsers place cookies on their hard drives for record-keeping purposes and sometimes to track information about them. Users can choose to set their web browsers to refuse cookies or to alert them when cookies are being sent. However, doing so may cause some parts of the Site to not function properly.

Changes to this privacy policy & terms of use

DEMA Ltd. has the discretion to update this privacy policy & terms of use at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

Your acceptance of these terms

By using this Site, you signify your acceptance of this policy & terms of use. If you do not agree to this policy & terms of use, please do not use our Site. Your continued use of the Site following the posting of changes to this policy & terms of use will be deemed your acceptance of those changes.

How we use collected information

DEMA Ltd. collects and uses Users’ personal information for the following purposes:

To personalize user experience: We may use information in aggregate to understand how our Users as a group utilize the services and resources provided on our Site.

  • To improve our Site: We continually strive to enhance our website offerings based on the information and feedback we receive from Users.
  • To improve customer service: Your information helps us effectively respond to your customer service requests and support needs.
  • To process transactions: We may use the information Users provide when placing an order only to provide service for that order. We do not share this information with external parties, except when necessary to provide the service.
  • To administer content, promotions, surveys, or other Site features: We may send Users information they agreed to receive about topics we think will be of interest to them.
  • To send periodic emails: The email address Users provide for order processing may be used to send information and updates related to their order. It may also be used to respond to inquiries, requests, or questions. If Users opt-in to our mailing list, they will receive emails that may include company news, updates, related product or service information, and more.

Sharing your personal information

We do not sell, trade, or rent Users’ personal identification information to others. However, we may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates, and advertisers for the purposes outlined above. We may use third-party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes, provided that you have given us your permission.

Please note that in the event of a merger, reorganization, acquisition, joint venture, assignment, spin-off, transfer, or sale or disposition of all or substantially all of our business interests or assets, including in connection with any bankruptcy or similar proceedings, we may transfer our rights in your information to our successor-in-interest.

We also use third-party advertising companies to serve ads and collect information when users visit our site. These companies may use information (excluding your name, address, email address, or telephone number) about your visits to this and other websites to provide advertisements on our site, other websites, and other forms of media about goods and services that may interest you. To learn more about this practice and to know your choices about not having this information used by these companies, visit https://thenai.org/opt-out/.

Web browser cookies

DEMA Ltd. may use “cookies” to enhance User experience and also for advertising purposes. Cookies are small files placed on Users’ hard drives by their web browsers for record-keeping and tracking purposes. Users may choose to set their web browser to refuse cookies or to alert them when cookies are being sent. However, some parts of the Site may not function properly if cookies are disabled.

How we protect your information

DEMA Ltd. adopts appropriate data collection, storage, and processing practices and security measures to safeguard against unauthorized access, alteration, disclosure, or destruction of Users’ personal information, usernames, passwords, transaction information, and data stored on our Site.

Sensitive and private data exchange between the Site and its Users occurs over an SSL secured communication channel, which encrypts and protects the information with digital signatures. DEMA Ltd. also complies with PCI vulnerability standards to create as secure an environment as possible for Users.

Please remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.

If you have any questions or concerns about our privacy practices, feel free to contact us at any time.

Sharing your personal information

DEMA Ltd. does not sell, trade, or rent Users’ personal identification information to others. However, we may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates, and advertisers for the purposes outlined in our Privacy Policy.

We may also use third-party service providers to help us operate our business and the Site or administer activities on our behalf, such as sending out newsletters or surveys. We may share your information with these third parties for those limited purposes, provided that you have given us your permission.

In the event of a merger, reorganization, acquisition, joint venture, assignment, spin-off, transfer, or sale or disposition of all or substantially all of our business interests or assets, including in connection with any bankruptcy or similar proceedings, we may transfer our rights in your information to our successor-in-interest.

Third party websites

Users may find advertising or other content on our Site that links to the sites and services of our partners, suppliers, advertisers, sponsors, licensors, and other third parties. DEMA Ltd. does not control the content or links that appear on these sites and is not responsible for the practices employed by websites linked to or from our Site. In addition, these sites or services, including their content and links, may be constantly changing.

These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website, including websites that have a link to our Site, are subject to that website’s own terms and policies. DEMA Ltd. encourages users to review the privacy policies of any third-party websites they visit to understand how those sites collect, use, and share their information.

If you have any questions or concerns about our third-party website practices, feel free to contact us at any time.

Changes to this privacy policy & terms of use

DEMA Ltd. has the discretion to update this privacy policy and terms of use at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about how we are helping to protect the personal information we collect. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of modifications.

If we make any material changes to our privacy policy, we may notify you through email, a notice on the Site, or other methods we deem appropriate. We may also provide you with the opportunity to review and consent to the updated privacy policy before continuing to use our Site.

Your acceptance of these terms

By using this Site, you signify your acceptance of this policy and terms of use. If you do not agree to this policy and terms of use, please do not use our Site. Your continued use of the Site following the posting of changes to this policy and terms of use will be deemed your acceptance of those changes.