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Terms of use 
BuhayOFW and its affiliates (together, which shall be referred to as “Us,” “We,” “BuhayOFW” or “the Company”), has developed a service called “BuhayOFW” which is a utility where users share actionable ideas with one another and grow their professional networks (the “Service”). By accessing or using our web site (such web site, along with the Service, referred to as, the “Site”) at www.buhayofw.com, you (“You” or the “User”) signify that You have read, understand and agree to be bound by these Terms of Use (the “Terms of Use”), whether or not You are a registered member of BuhayOFW. We reserve the right, at our sole discretion, to change, modify, add, or delete portions of these Terms of Use at any time without prior notice. Whenever we modify our Terms of Use, we will post the revised version of the Terms of Use on the Site and we will indicate at the top of this page the date these Terms of Use were last revised. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms of Use. It is your responsibility to regularly check the Site to determine if there have been changes to these Terms of Use and to review such changes.

Eligibility
Membership is void where prohibited. This Site is intended solely for users who are thirteen (13) years of age or older. By using the Site and/or becoming a member of BuhayOFW. You confirm and represent that You are at least thirteen (13) years of age or older.

Registration Data; Account Security
By using the Site, You agree to (a) provide accurate, current and complete information about You as may be prompted by any registration forms on the Site (“Registration Data”); (b) maintain the security of your log-in credentials and password; (c) maintain and promptly update the Registration Data, and any other information You provide to Company, to keep it accurate, current and complete; and (d) be fully responsible for all use of your account and for any actions that take place using your account. BuhayOFW may immediately discontinue the use of the Site and cancel your password at any time, with or without cause, in its sole discretion.

Proprietary Rights in Site Content; Limited License
Excluding the User Content (as defined below), all content on the Site (including, without limitation, all company information, investment write-ups/theses, financial/valuation/trading data, profile information, general text, design, etc. and their selection and arrangement (collectively, the “Site Content”) is the proprietary information of the Company, with all rights reserved by Company. No Site Content may be modified, copied, distributed, framed, reproduced, republished, downloaded, displayed, posted, transmitted, or sold in any form or by any means, in whole or in part, without the Company’s prior written permission in each instance. Provided that You are eligible for use of the Site and subject to the terms and conditions of these Terms of Use, You are granted a limited license to access and use the Site and the Site Content and to download or print a copy of any portion of the Site Content to which You have properly gained access solely for your own use, provided that You keep all copyright or other proprietary notices intact. You may not upload or republish Site Content on any Internet, Intranet or Extranet site or incorporate the information in any other database or compilation, and any other use of the Site Content is strictly prohibited. Such license is subject to these Terms of Use and does not include use of any data mining, robots or similar data gathering or extraction methods. Any use of the Site or the Site Content other than as specifically authorized herein, without the prior written permission of Company, is strictly prohibited and will terminate your limited license granted herein. Such unauthorized use may also violate applicable laws including securities, copyright and trademark laws and applicable communications regulations and statutes. Unless explicitly stated herein, nothing in these Terms of Use shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication or otherwise. Your license is revocable at any time without notice and with or without cause.

User Conduct
You represent, warrant and agree that no materials of any kind submitted through your account or otherwise posted, transmitted, or shared by You on or through the Service will violate or infringe upon the rights of any third party, including copyright, trademark, privacy, publicity or other personal or proprietary rights; or contain libelous, defamatory or otherwise unlawful material.
Specifically, You expressly acknowledge and agreed that You will not submit information that would be a violation of your employer’s policies, nor will You submit information that violates any agreements to which you are subject (including, without limitation, any confidentiality agreements), insider trading regulations, SEC regulations, and/or other applicable laws, rules and regulations.
In addition, You agree not to use the Site to:
* harvest or collect email addresses or other contact information of other users from the Site by electronic or other means for the purposes of sending spam, or any other unsolicited communications,including unsolicited emails;
*act in any unlawful manner, including in a manner that could be deemed to violate applicable laws by touting or hyping an investment, manipulating securities or other investment prices or markets;
* employ any device, scheme, or artifice to defraud any person in connection with an investment,
* make any untrue statement of a material fact relating to an investment or to omit to state a material fact necessary in order to make the statements made, in the light of the circumstances under which they were made, not misleading; 
* engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person in connection with an investment;
* to interact in any manner that could damage, disable, overburden or impair the Site;
* collect information from or otherwise interact with the Site using automated scripts;
* upload, post, transmit, share, store or otherwise make available any content that we deem to be harmful, threatening, unlawful, defamatory, infringing, abusive, inflammatory, harassing, vulgar, obscene, fraudulent, invasive of      privacy or publicity rights, hateful, or racially, ethnically or otherwise objectionable;
* register for more than one User account, register for a User account on behalf of an individual other than yourself, or register for a User account on behalf of any group or entity;
* impersonate any person or entity, or falsely state or otherwise misrepresent yourself.     

User Content Posted on the Site
You are solely responsible for all content (including all investment write-ups/theses, company information, financial models, financial projections, market trading information, profile information, and text/design/content of any kind) that You upload, publish or display (hereinafter, “post”) on or through the Site, or transmit to or share with other users of the Site (collectively the “User Content”). You may not post, transmit, or share User Content on the Site that You did not create or that You do not have permission to post. Further, you undertake to disseminate only information that is true and correct in light of your knowledge. You understand and agree that the Company may, but is not obligated to, review the Site and may delete or remove (without notice) any User Content in its sole discretion, for any reason or no reason, including User Content that in the sole judgment of the Company violates these Terms of Use, or which might be offensive, illegal, or that might violate the rights, harm, or threaten the safety of users or others. You are solely responsible at your sole cost and expense for creating backup copies and replacing any User Content You post or store on the Site or provide to the Company. When You post User Content to the Site, You authorize and direct us to make such copies and backups thereof as we deem necessary in order to facilitate the posting and storage of the User Content on the Site. By posting User Content to any part of the Site, You automatically grant, without compensation to you, and You represent and warrant that You have the right to grant, to the Company an irrevocable, perpetual, non-exclusive, transferable, fully paid-up, royalty-free, worldwide license (with the right to sublicense through multiple tiers) to use, copy, publicly perform, publicly display, reformat, translate, excerpt (in whole or in part) and distribute such User Content for any purpose, (including, without limitation, any commercial purpose, including, advertising and/or promotional purposes, and/or any other purpose ) on or in connection with the Site or the promotion thereof, to prepare derivative works of, or incorporate into other works, such User Content, and to grant and authorize sublicenses of the foregoing, with or without compensation to the Company. You may remove your User Content from the Site at any time; provided that You acknowledge and agree that Company’s license to the User Content shall continue perpetually as specified in the license grant above. BuhayOFW does not assert any ownership rights over your User Content; rather, as between us and You, subject to the rights granted to us in these Terms and Conditions, You retain ownership of all of your User Content and any intellectual property rights or other proprietary rights associated with your User Content.

Notice and Procedure For Making Claims of Copyright or Intellectual Property Infringement
BuhayOFW expects all users to respect the intellectual property rights of others. BuhayOFW may, if it chooses to do so and in its sole discretion and judgment, disable and/or terminate the account of any User who infringes the rights of others. Anyone who believes that their material has been copied without permission and in particular constitutes copyright infringement or who believes that their intellectual property rights have been violated, shall provide BuhayOFW’s Copyright Agent the following information:
  1. an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;
  2. a description of the copyrighted work or other intellectual property claimed to have been infringed;
  3. a description of where the material that you claim is infringing is located on the BuhayOFW site;
  4. the claimant’s address, telephone number, and email address;
  5. a statement by the claimant that s/he has a good faith belief that the disputed use is not authorized by the copyright owner, the copyright owner’s authorized agent, or by law;
  6. a statement by the claimant, made under penalty of perjury, that the above      information in the notice is accurate and that the claimant is the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner’s behalf.
User Disputes
You are solely responsible for your interactions with other Site users. In the event that there is a dispute relating to the Site, Site Content or any User Content between You and another user, You shall immediately notify the Company in writing of the dispute. Further, you shall keep the Company informed of any material developments concerning the dispute.

Compliance and Regulatory Inquiries
Buhayofw.com undertakes to honor the legal requirements for medical/health information privacy in the Philippines. You are solely responsible for compliance with laws, regulations and policies of your employer in connection with your use of the Site. In the event that You or your employer receive non-routine notice or inquiry or investigation or request for information from any governmental authority or agency or any self-regulatory organization relating to the Site, Site Content or any User Content, You shall immediately notify the Company in writing except to the extent prohibited by law, regulation or legal process. Further, you shall keep the Company informed of any material developments concerning the matter except to the extent prohibited by law, regulation or legal process.

Disclaimers
THE COMPANY IS NOT RESPONSIBLE OR LIABLE IN ANY MANNER FOR ANY CONTENT OR USER CONTENT POSTED ON THE SITE, WHETHER POSTED BY USERS OF THE SITE, BY SUMZERO AND/OR BY THIRD PARTIES. THE COMPANY IS NOT RESPONSIBLE FOR AND SHALL NOT BE LIABLE IN ANY MANNER FOR ANY OF THE EQUIPMENT OR PROGRAMMING ASSOCIATED WITH OR UTILIZED IN THE SITE. ALTHOUGH THE COMPANY PROVIDES RULES FOR USER CONDUCT AND POSTINGS, THE COMPANYDOES NOT CONTROL, IS NOT RESPONSIBLE FOR AND SHALL NOT BE LIABLE FOR WHAT USERS POST, TRANSMIT OR SHARE ON THE SITE AND THE COMPANY IS NOT RESPONSIBLE FOR ANY OFFENSIVE, INAPPROPRIATE, OBSCENE, UNLAWFUL OR OTHERWISE OBJECTIONABLE CONTENT YOU MAY ENCOUNTER ON THE SITE OR IN CONNECTION WITH ANY USER CONTENT OR SITE CONTENT. THE COMPANY IS NOT RESPONSIBLE FOR THE CONDUCT, WHETHER ONLINE OR OFFLINE, OF ANY USER OF THE SITE. THE SITE MAY BE TEMPORARILY UNAVAILABLE FROM TIME TO TIME FOR MAINTENANCE OR OTHER REASONS. THE COMPANY ASSUMES NO RESPONSIBILITY FOR ANY ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMMUNICATIONS LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, OR ALTERATION OF, USER COMMUNICATIONS. THE COMPANY IS NOT RESPONSIBLE FOR ANY TECHNICAL MALFUNCTION OR OTHER PROBLEMS OF ANY INTERNET AND/OR TELECOMMUNICATIONS NETWORK OR SERVICE, COMPUTER SYSTEMS, SERVERS OR PROVIDERS, COMPUTER OR MOBILE PHONE EQUIPMENT, SOFTWARE, FAILURE OF EMAIL OR PLAYERS ON ACCOUNT OF TECHNICAL PROBLEMS OR TRAFFIC CONGESTION ON THE INTERNET OR AT ANY SITE OR COMBINATION THEREOF, INCLUDING INJURY OR DAMAGE TO USER’S OR TO ANY OTHER PERSON’S COMPUTER, MOBILE PHONE, OR OTHER HARDWARE OR SOFTWARE, RELATED TO OR RESULTING FROM USING OR DOWNLOADING MATERIALS IN CONNECTION WITH THE SERVICE AND/OR THE SITE. UNDER NO CIRCUMSTANCES WILL THE COMPANY BE RESPONSIBLE FOR ANY LOSS OR DAMAGE, WHETHER DIRECT OR INDIRECT, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, LOST REVENUES, DATA LOSS, LOSS OR DAMAGE TO ANY USER CONTENT, PROPERTY DAMAGE, PERSONAL INJURY OR DEATH, RESULTING FROM ANYONE’S USE OF THE SITE, ANY USER CONTENT OR CONTENT POSTED ON OR THROUGH THE SITE OR TRANSMITTED TO USERS, OR ANY INTERACTIONS BETWEEN USERS OF THE SITE, WHETHER ONLINE OR OFFLINE.
THE COMPANY RESERVES THE RIGHT TO CHANGE ANY AND ALL CONTENT, SOFTWARE AND OTHER ITEMS USED OR CONTAINED IN THE SITE, SITE CONTENT, OR OFFERED THROUGH THE SITE AT ANY TIME WITHOUT NOTICE. REFERENCE TO ANY PRODUCTS, SERVICES, PROCESSES OR OTHER INFORMATION, BY TRADE NAME, TRADEMARK, MANUFACTURER, SUPPLIER OR OTHERWISE DOES NOT CONSTITUTE OR IMPLY ENDORSEMENT, SPONSORSHIP OR RECOMMENDATION THEREOF, OR ANY AFFILIATION THEREWITH, BY COMPANY.
Buhay OFW claims no credit for any images/videos featured on this site unless otherwise noted. All visual content is copyright to it’s respectful owners. Buhay OFW is in no way responsible for or has control of the content of any external web site links.
Information on this site may contain errors or inaccuracies; we do not make warranty as to the correctness or reliability of the site’s content. If you own rights to any of the images, and do not wish them to appear on this site, please contact us  and they will be promptly removed.

Limitation on Liability
IN NO EVENT WILL COMPANY, ITS AFFILIATES, SUBSIDIARIES AND/OR ITS OR THEIR RESPECTIVE DIRECTORS, EMPLOYEES,AGENTS, PARTNERS, SUPPLIERS, CONTRACTORS AND/OR LICENSORS (COLLECTIVELY, THE “COMPANY PARTIES”) BE LIABLE TO YOU OR ANY THIRD PERSON FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, ANY LOST PROFITS, LOSS OF BUSINESS OR LOST DATA ARISING FROM YOUR USE OF THE SITE OR THE SERVICE, ANY PLATFORM APPLICATIONS OR ANY OF THE SITE CONTENT OR OTHER MATERIALS ON, ACCESSED THROUGH OR DOWNLOADED FROM THE SITE, EVEN IF THE COMPANY PARTY IS AWARE OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN. YOU ACKNOWLEDGE THAT IF NO FEES ARE PAID TO COMPANY FOR THE SERVICE, YOU SHALL BE LIMITED TO INJUNCTIVE RELIEF ONLY, UNLESS OTHERWISE PERMITTED BY LAW, AND SHALL NOT BE ENTITLED TO DAMAGES OF ANY KIND FROM ANY OF THE COMPANY PARTIES, REGARDLESS OF THE CAUSE OF ACTION.

No Solicitation or Advice
You specifically acknowledge that posts by BuhayOFW users are made for the purpose of obtaining access to the Site and such posts do not constitute recommendations or solicitations with respect to advisory services or products. No post on the Site and no Site Content or User Content shall create or establish any fiduciary or client relationship with respect to members of the BuhayOFW community, users or Company Parties. No User or other member of the BuhayOFW community shall offer or receive compensation as a result of the posting or updating of User Content.

Investment Performance
You specifically acknowledge that none of the Company Parties will be held liable for losses or gains arising out of any Site Content or User Content of any type on the Site and that no BuhayOFW user will be held liable for losses or gains arising out of any Site Content or User Content of any type on the Site, except that a BuhayOFW user may be held liable for losses that arise from such user’s fraud, willful malfeasance or breach of these Terms of Use. You acknowledge that your investment decisions/recommendations are made entirely at your election and that Site Content or User Content is solely one additional source of information in assisting You to make those determinations. You also specifically acknowledge that any member may or may not have a position in any investment described in User Content and that you have been informed that the member posting User Content may have established a position at a much earlier time at more favorable prices, has no duty to update the User Content if its investment position changes, and may effect transactions in investments before or after, and in the same manner or the opposite manner, to any investment transactions directly or indirectly described in the User Content.

Communication with Others
BuhayOFW is not responsible for monitoring communication among users. It is each user’s responsibility to make sure that any dialogue or communication initiated is not in violation of any securities laws, the policy of the user’s employer and/or any agreement to which the user is subject. However, site certified moderators (paid and volunteeers) monitor daily activity in the website. Where prohibited or abusive content is found, the user will be warned and the offending post deleted. The next infraction will cause the user to be banned. 

Indemnity
You agree to indemnify, defend and hold harmless the Company Parties harmless from and against any loss, liability, claim, demand, damages, costs and expenses, including reasonable attorney’s fees, arising out of or in connection with the Site; your use of and/or inability to use the Site; any User Content or any other content You post or share on or through the Site; and/or any trading losses due to a recommendation made by any other user or member of the BuhayOFW community. You agree to indemnify, defend and hold harmless other users harmless from and against any loss, liability, claim, demand, damages, costs and expenses, including reasonable attorney’s fees, arising out of or in connection with your fraud or willful malfeasance in connection with the Site or User Content and your breach of these Terms of Use.

Other
These Terms of Use constitute the entire agreement between You and Company regarding the use of the Site, superseding any prior agreements between You and Company relating to your use of the Site. The failure of Company to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision in that or any other instance. If any provision of this Agreement is held invalid, the remainder of this Agreement shall continue in full force and effect. If any provision of these Terms of Use shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms of Use and shall not affect the validity and enforceability of any remaining provisions.

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