Privacy Policy and Terms and Conditions PRIVACY POLICY WE ARE COMMITTED TO RESPECTING YOUR PRIVACY. PLEASE READ THE FOLLOWING POLICY TO UNDERSTAND HOW YOUR PERSONAL INFORMATION WILL BE TREATED. THIS POLICY MAY CHANGE FROM TIME TO TIME SO PLEASE CHECK BACK PERIODICALLY. 1. "COOKIES". WWW.GRANTMEMONEY.COM AND ITS INTERNET PROVIDERS RESERVES THE RIGHT TO PLACE INTERNET COOKIES ON YOUR HARD DRIVE. INTERNET COOKIES ARE SMALL FILES THAT MAY BE PLACED ON YOUR HARD DISK FOR RECORD-KEEPING PURPOSES. COOKIES ARE USED TO (A) REMIND US OF WHO YOU ARE IN ORDER TO DELIVER YOU BETTER SERVICE; (B) ESTIMATE OUR AUDIENCE SIZE BY DETERMINING REPEAT USAGE OF THE WEB SITE TO HELP TARGET ADVERTISEMENTS BASED ON USER INTERESTS AND BEHAVIOR; (C) TRACK YOUR PROGRESS AND ENTRIES IN PROMOTIONS, SWEEPSTAKES AND CONTESTS, IF ANY; AND (D) MEASURE CERTAIN TRAFFIC PATTERNS FOR USE AS A RESEARCH TOOL TO UNDERSTAND HOW OUR USERS' HABITS ARE SIMILAR OR DIFFERENT FROM ONE ANOTHER AND TO LEARN MORE ABOUT CONSUMER PURCHASING PATTERNS. YOU CAN SET YOUR BROWSER TO NOTIFY YOU WHEN YOU RECEIVE A COOKIE, GIVING YOU THE CHANCE TO DECIDE WHETHER OR NOT TO ACCEPT IT. BY NOT ACCEPTING COOKIES, SOME WEB PAGES MAY NOT DISPLAY PROPERLY OR YOU MAY NOT BE PERMITTED TO ACCESS CERTAIN INFORMATION. 2. IP ADDRESSES. WWW.GRANTMEMONEY.COM ALSO RESERVES THE RIGHT TO COLLECT IP ADDRESSES (THE INTERNET ADDRESS OF A COMPUTER) TO TRACK A USER'S SESSION WHILE THE USER REMAINS ANONYMOUS. WE ANALYZE THIS DATA FOR CERTAIN TRENDS IN STATISTICS, SUCH AS WHICH PARTS OF OUR SITE USERS ARE VISITING AND HOW LONG THEY SPEND THERE. IN GENERAL, WE DO NOT LINK YOUR IP ADDRESSES TO ANYTHING PERSONALLY IDENTIFIABLE TO YOU. IN THOSE LIMITED CASES WHERE SESSION INFORMATION IS NOT ANONYMOUS, GRANT-RATING.COM WILL PROVIDE NOTICE OF THE PRACTICE AND AN OPPORTUNITY TO "OPT OUT." TERMS OF USE THE FOLLOWING ARE TERMS OF A LEGAL AGREEMENT ("AGREEMENT") BETWEEN YOU AND WWW.GRANTMEMONEY.COM ("SITE OWNER"). PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY. BY ACCESSING, BROWSING AND/OR OTHERWISE USING THIS WEB SITE ("SITE"), YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD AND AGREED TO BE BOUND BY THESE TERMS AND CONDITIONS, AND TO COMPLY WITH ALL APPLICABLE LAWS AND REGULATIONS, INCLUDING EU and US EXPORT AND RE-EXPORT CONTROL LAWS AND REGULATIONS. IF YOU DO NOT AGREE TO ALL OF THESE TERMS AND CONDITIONS, YOU MAY NOT ACCESS, BROWSE AND/OR USE THIS SITE. THE MATERIAL PROVIDED ON THIS SITE IS PROTECTED BY LAW, INCLUDING, BUT NOT LIMITED TO, UNITED STATES COPYRIGHT LAW AND INTERNATIONAL TREATIES. THESE TERMS OF ACCESS APPLY EXCLUSIVELY TO YOUR ACCESS TO AND USE OF THIS SITE AND DO NOT ALTER IN ANY WAY THE TERMS AND CONDITIONS OF ANY OTHER AGREEMENT YOU MAY HAVE WITH SITE OWNER FOR PRODUCTS, SERVICES OR OTHERWISE. FURTHER, IF YOU BREACH ANY OF THESE TERMS AND CONDITIONS, YOUR AUTHORIZATION TO USE THIS SITE AUTOMATICALLY TERMINATES AND YOU MUST IMMEDIATELY DESTROY ANY DOWNLOADED OR PRINTED MATERIALS AND DISCONTINUE USE OF ANY HYPERLINKS TO THIS SITE. USE RESTRICTIONS 1. COPYRIGHT. ALL SITE MATERIALS, INCLUDING, WITHOUT LIMITATION, TEXT, GRAPHICS AND OTHER FILES AND THE SELECTION AND ARRANGEMENT THEREOF ARE COPYRIGHTED MATERIALS OF GRANT-RATING.COM, (C) 2004, ALL RIGHTS RESERVED, OR BY THE ORIGINAL CREATOR OF THE MATERIAL. PERMISSION IS GRANTED TO DISPLAY, COPY, DISTRIBUTE, AND DOWNLOAD THE MATERIALS ON THIS SITE FOR PERSONAL, NONCOMMERCIAL USE ONLY, PROVIDED YOU DO NOT MODIFY THE MATERIALS AND THAT YOU RETAIN ALL COPYRIGHT AND OTHER PROPRIETARY NOTICES CONTAINED IN THE MATERIALS. YOU MAY NOT, HOWEVER, DISTRIBUTE, COPY, REPRODUCE, DISPLAY, REPUBLISH, DOWNLOAD, OR TRANSMIT ANY MATERIAL ON THIS SITE FOR COMMERCIAL USE WITHOUT PRIOR WRITTEN APPROVAL OF SITE OWNER. YOU MAY NOT "MIRROR" ANY MATERIAL CONTAINED ON THIS SITE ON ANY OTHER SERVER WITHOUT PRIOR WRITTEN PERMISSION FROM SITE OWNER. ANY UNAUTHORIZED USE OF ANY MATERIAL CONTAINED ON THIS SITE MAY VIOLATE COPYRIGHT LAWS, TRADEMARK LAWS, THE LAWS OF PRIVACY AND PUBLICITY AND COMMUNICATIONS REGULATIONS AND STATUTES. 2. TRADEMARKS. THE TRADEMARKS, SERVICE MARKS, TRADE NAMES, AND LOGOS (THE "TRADEMARKS") USED AND DISPLAYED ON THIS SITE ARE REGISTERED AND UNREGISTERED TRADEMARKS OF SITE OWNER. IN ADDITION, ALL PAGE HEADERS, CUSTOM GRAPHICS, BUTTON ICONS, AND SCRIPTS ARE SERVICE MARKS, TRADEMARKS AND/OR TRADE DRESS OF SITE OWNER, AND MAY NOT BE COPIED, IMITATED OR USED, IN WHOLE OR IN PART, WITHOUT THE PRIOR WRITTEN PERMISSION OF SITE OWNER. YOU ACKNOWLEDGE THAT THE TRADEMARKS USED AND DISPLAYED ON THIS SITE ARE AND SHALL REMAIN THE SOLE PROPERTY OF SITE OWNER OR THE TRADEMARK OWNER. NOTHING IN THIS AGREEMENT SHALL CONFER ANY RIGHT OF OWNERSHIP OF ANY OF THE TRADEMARKS IN YOU. FURTHER, NOTHING IN THIS SITE SHALL BE CONSTRUED AS GRANTING, BY IMPLICATION, ESTOPPEL OR OTHERWISE ANY LICENSE OR RIGHT TO USE ANY TRADEMARK USED OR DISPLAYED ON THE SITE, WITHOUT THE EXPRESS WRITTEN PERMISSION OF SITE OWNER OR THE TRADEMARK OWNER. THE MISUSE OF THE TRADEMARKS DISPLAYED ON THIS SITE, OR ANY OTHER CONTENT ON THE SITE, IS STRICTLY PROHIBITED. ALL OTHER LOGOS, TRADEMARKS AND COPYRIGHTED MATERIAL DISPLAYED ON THE SITE ARE THE PROPERTY OF THEIR RESPECTIVE OWNERS, AND ARE NOT INTENDED TO IMPLY ANY ENDORSEMENT OR AFFILIATION BETWEEN SITE OWNER AND SUCH TRADEMARK OWNERS. ANY LOGOS, TRADEMARKS AND COPYRIGHTED MATERIAL CONTAINED ON THE SITE ARE USE FOR GOOD FAITH PRODUCT DESCRIPTION PURPOSES AND/OR TO PROPERLY INDEX THE CONTENT PAGES ON THE SITE. 3. HYPERLINKS. YOU ARE GRANTED A LIMITED, NONEXCLUSIVE RIGHT TO CREATE A "HYPERTEXT" LINK TO THIS SITE PROVIDED THAT SUCH LINK IS TO THE ENTRY PAGE OF THIS SITE AND DOES NOT PORTRAY SITE OWNER OR ANY OF ITS PRODUCTS OR SERVICES IN A FALSE, MISLEADING, DEROGATORY, OR OTHERWISE DEFAMATORY MANNER. THIS LIMITED RIGHT MAY BE REVOKED AT ANY TIME FOR ANY REASON WHATSOEVER. YOU MAY NOT USE FRAMING TECHNIQUES TO ENCLOSE ANY SITE OWNER TRADEMARK, LOGO OR TRADE NAME OR OTHER PROPRIETARY INFORMATION INCLUDING THE IMAGES FOUND AT THE SITE, THE CONTENT OF ANY TEXT OR THE LAYOUT/DESIGN OF ANY PAGE OR ANY FORM CONTAINED ON A PAGE WITHOUT SITE OWNER'S EXPRESS WRITTEN CONSENT. LINKS TO THIRD PARTY SITES ON THIS SITE ARE PROVIDED SOLELY AS CONVENIENCE TO YOU. IF YOU USE THESE LINKS, YOU WILL LEAVE THIS SITE. SITE OWNER HAS NOT REVIEWED ALL OF THESE THIRD PARTY SITES AND DOES NOT CONTROL AND IS NOT RESPONSIBLE FOR ANY OF THESE SITES, THEIR CONTENT OR THEIR POLICIES, INCLUDING, WITHOUT LIMITATION, PRIVACY POLICIES OR LACK THEREOF. SITE OWNER DOES NOT ENDORSE OR MAKE ANY REPRESENTATIONS ABOUT THIRD PARTY SITES OR ANY INFORMATION, SOFTWARE OR OTHER PRODUCTS OR MATERIALS FOUND THERE, OR ANY RESULTS THAT MAY BE OBTAINED FROM USING THEM. IF YOU DECIDE TO ACCESS ANY OF THE THIRD PARTY SITES LINKED TO THIS SITE, YOU DO SO ENTIRELY AT YOUR OWN RISK. YOU ACKNOWLEDGE AND AGREE THAT SITE OWNER SHALL NOT BE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY DAMAGE OR LOSS CAUSED OR ALLEGED TO BE CAUSED BY, OR IN CONNECTION WITH THE USE OF OR RELIANCE ON ANY SUCH THIRD PARTY SITES. 4. RELATIONSHIP DISCLOSURE. SITE OWNER (WWW.GRANTMEMONEY.COM) MAY HAVE AFFILIATIONS, ASSOCIATIONS OR BUSINESS RELATIONSHIPS WITH SOME OR ALL OF THE WEBSITES RATED ON THIS WEBSITE. THE OPINIONS PRESENTED ARE THE SOLE OPINIONS OF THE AUTHORS OF THIS WEBSITE. DISCLAIMER OF WARRANTY THIS SITE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. SITE OWNER DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF QUIET ENJOYMENT AND NON-INFRINGEMENT AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, TITLE, QUIET ENJOYMENT, MERCHANTABILITY OF COMPUTER PROGRAMS AND INFORMATIONAL CONTENT. SITE OWNER DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE OPERATION OF THIS SITE, THE USE, VALIDITY, ACCURACY OR RELIABILITY OF, OR THE RESULTS OF THE USE OF THE MATERIALS ON THIS SITE OR ANY OTHER SITES LINKED TO THIS SITE. THE MATERIALS PROVIDED TO THE THIRD PARTIES LISTED ON THIS SITE MAY BE OUT OF DATE AND WE CANNOT GUARANTEE OR WARRANT THAT THE FILES AVAILABLE FOR DOWNLOADING FROM THIRD PARTY WEBSITE LISTED ON THE GRANT-RATING.COM SITE, IF ANY, WILL BE FREE FROM INFECTION, VIRUSES, WORMS, TROJAN HORSES, OR OTHER CODE THAT MANIFEST CONTAMINATING OR DESTRUCTIVE PROPERTIES. SITE OWNER DOES NOT WARRANT THAT THIS SITE, OR ANY SOFTWARE, MATERIALS, PRODUCTS, OR SERVICES PURCHASED THROUGH THE THIRD PARTIES LISTED ON THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE OR THAT ANY DEFECTS IN THIS SITE, SOFTWARE, MATERIALS, PRODUCTS, OR SERVICES WILL BE CORRECTED. LIMITATION OF LIABILITY IN NO EVENT WILL SITE OWNER, ITS PROVIDERS OR OTHER THIRD PARTIES MENTIONED AT OR IN THIS SITE BE LIABLE FOR ANY DAMAGES (INCLUDING, WITHOUT LIMITATION DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES), DAMAGES RESULTING FROM LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION ARISING OUT OF RELATING TO THE USE, INABILITY TO USE, OR RESULTING FROM THE USE OF THIS SITE, ANY WEB SITES LINKED TO THIS SITE WHETHER BASED ON WARRANTY, CONTRACTS, TORT (INCLUDING BUT NOT LIMITED TO, NEGLIGENCE) OR ANY OTHER LEGAL THEORY AND WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOUR USE OF THE MATERIALS OR INFORMATION FROM THIS SITE RESULTS IN THE NEED FOR SERVICING, REPAIR OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ALL COSTS THEREOF. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. U.S. GOVERNMENT RESTRICTED RIGHTS SITE OWNER MAY REVISE THIS AGREEMENT AT ANY TIME WITHOUT NOTICE BY UPDATING THIS POSTING. BY USING THIS SITE YOU AGREE TO BE BOUND BY ANY SUCH REVISIONS AND SHOULD THEREFORE PERIODICALLY VISIT THIS SITE AND PAGE TO DETERMINE THE THEN CURRENT TERMS AND CONDITIONS OF USE TO WHICH YOU ARE BOUND.