Revised: September 15, 2023

These Terms and Conditions (the “Terms of Service” or “Agreement”) constitute a legally binding agreement between you, whether as a casual visitor or a registered user (“User,” “you,” or “your”), and Savvy Gal, LLC, d/b/a Fem-Led News, along with its affiliates, successors, and assigns (“Fem-Led News,” “us,” “our,” or “we”), governing your use of the Fem-Led News Site and/or Services (collectively referred to as “Services”), as defined below.

Fem-Led News is the sole owner and operator of the website www.femled.news and any related applications provided by us, encompassing all content and features within the aforementioned Services.
Please read these Terms of Service carefully before using our Services.

Agreement Acknowledgment
By accessing the Site or utilizing any of the Services and/or registering with us, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Service, including our Privacy Policy, which is incorporated herein by reference.

Please take note of the sections below titled “Binding Arbitration” and “Class Action Waiver.” These sections contain a binding arbitration agreement and a class action waiver that can significantly impact your legal rights. We strongly recommend that you carefully read and consider them.

Modifications to the Terms of Service
Fem-Led News, at its sole and absolute discretion, reserves the right to make changes or modifications to the Site, the Services, or this Agreement (including any policies or agreements incorporated by reference herein) at any time and without prior notice to you. Such changes or modifications become effective immediately upon posting to this Site.
You acknowledge and agree that:

• Fem-Led News may notify you of these changes or modifications by posting them on this Site.
• Your continued use of this Site or the Services after such changes or modifications have been made (as indicated by the “Last Revised” date at the top of this page) constitutes your acceptance of this Agreement as last revised.

Additionally, Fem-Led News may occasionally inform you of upcoming changes or modifications to this Agreement by email. Therefore, we recommend that you keep the information in your Account (defined below), including but not limited to your email address, up to date.

Eligibility
This Site and the Services are accessible only to users who can enter into legally binding contracts under applicable law. By using this Site or the Services, you affirm and warrant that you are at least eighteen (18) years of age.

If you access this Site from a country other than the one in which our servers are located, please be aware that your communications with us may involve the transfer of information, including your registration or personal information (as described below), across international borders. By visiting this Site and engaging in electronic communication with us, you provide your consent to such international transfers.

Your Use of the Site and the Services
Fem-Led News’s community, like any community, operates best when its users adhere to a few simple rules. By accessing and/or using the Site or any Services, you agree to abide by these community guidelines (the “Community Guidelines”). You acknowledge and agree that:

1. Your use of the Site and the Services, including any content you submit, will comply with this Agreement and all applicable local, state, national, and international laws, rules, and regulations.
2. You will not impersonate another user or entity or falsely state or otherwise misrepresent your affiliation with a person or entity. Nor will you collect or harvest (or allow others to collect or harvest) any User Content or any non-public or personally identifiable information about another user or any other person or entity without their express prior written consent.
3. You will not use this Site or the Services in a manner that, as determined by Fem-Led News in its sole and absolute discretion, is illegal, infringing, defamatory, harassing, abusive, or otherwise objectionable. You will not engage in hate speech, hate crimes, or violence.
4. You will not use this Site or the Services for spamming or sending other unsolicited bulk emails, for computer or network hacking or cracking, or for transmitting viruses, worms, bugs, Trojan horses, or other harmful code or programs designed to disrupt, damage, or limit the functionality or security of the Site or the Services.
5. You will not copy or distribute any part of the Site or the Services unless expressly authorized by Fem-Led News.
6. You will not access Fem-Led News Content or User Content through any technology or means other than through this Site itself, or as specifically designated by Fem-Led News.
7. You will not use this Site or the Services, including any of Fem-Led News’s related technologies, for any commercial purposes without Fem-Led News’s express prior written consent.
8. You will not take any action that, in our sole discretion, imposes an unreasonable or disproportionately large load on our technical infrastructure.

Intellectual Property
The content on this Site, the Services, software, scripts, source code, API, graphics, photos, sounds, music, videos, and interactive features, as well as the trademarks, service marks, and logos contained therein (collectively referred to as “Fem-Led News Content”), are either owned by or licensed to Fem-Led News indefinitely. This content is subject to copyright, trademark, and/or patent protection in the United States and foreign countries, along with other intellectual property rights under United States and foreign laws.

Fem-Led News Content is provided to you “as is,” “as available,” and “with all faults” for your information and for your personal, non-commercial use only. Fem-Led News Content may not be downloaded, copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited, in whole or in part, for any purposes whatsoever without the express prior written consent of Fem-Led News in each instance. This Agreement does not grant any right or license under any copyright, trademark, patent, or other proprietary right.

Fem-Led News reserves all rights not expressly granted in relation to Fem-Led News Content, this Site, and the Services. This Agreement does not transfer ownership of any of these rights. If you violate any part of this Agreement, your permission to access and/or use Fem-Led News Content, the Site, or the Services automatically terminates, and you must immediately destroy any copies you have made of Fem-Led News Content.

The trademarks, service marks, and logos of Fem-Led News (“Fem-Led News Trademarks”) used and displayed on the Site and the Services are registered and unregistered trademarks or service marks of Fem-Led News. Other company, product, and service names located on the Site or the Services may be trademarks or service marks owned by others (the “Third-Party Trademarks,” and, collectively with Fem-Led News Trademarks, the “Trademarks”).

Nothing on the Site or the Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use the Trademarks without our prior written permission specific for each such use. Use of the Trademarks as part of a link to or from any site is prohibited unless the establishment of such a link is approved in advance by us in writing. All goodwill generated from the use of Fem-Led News Trademarks inures to our benefit.

The Site and the Services have been specially designed to present Fem-Led News Content in a unique format and appearance. We are concerned about the integrity of Fem-Led News Content when it is viewed in a setting created by a third party that includes advertising or other materials that we have not authorized to be displayed with our content. Elements of the Site and the Services are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part by any means, including, but not limited to, the use of framing or mirrors.

Neither you nor any third party shall make use of Fem-Led News Content in any manner that constitutes an infringement of our rights, including copyright, or that has not been authorized by us.

Our Use of User Content
Some features of this Site or the Services may enable users to view, post, publish, or share their ideas, opinions, preferences, or feedback related to Fem-Led News’s news articles or current events (“On-Site User Content”). We may also provide interactive services through third-party websites and third-party social media platforms (“Third Party Platforms”), such as Fem-Led News-designated hashtags, and comment or posting sections on Fem-Led News-related pages hosted on third-party social media platforms, where users can post associated content (“Off-Site User Content”). Together, On-Site User Content and Off-Site User Content are referred to as “User Content.”

By posting or publishing User Content on this Site, the Services, or on Third Party Platforms, you represent and warrant to Fem-Led News that:

• You have all necessary rights to distribute User Content, either as the sole author and owner of the User Content with the right to distribute it or with the appropriate distribution rights, licenses, consents, and/or permissions obtained in writing from the copyright or other owner of the User Content.
• You do not violate the rights of any third party.

You are solely responsible for your User Content and the consequences of distributing it. Fem-Led News has no obligation, either expressed or implied, to treat your User Content as confidential or to use your User Content in any specific manner. No compensation is due to you or any other party for any use of your User Content, intentional or unintentional. You acknowledge and agree that Fem-Led News may already be working on the same or similar content, may know of such content from other sources, or may simply wish to develop similar content independently or take other actions.

By posting or publishing User Content to this Site or Third Party Platforms, you grant Fem-Led News a worldwide, non-exclusive, royalty-free, sublicensable (through multiple tiers), and transferable license to use, reproduce, distribute, create derivative works of, combine with other works, display, and perform your User Content. This license enables Fem-Led News to include and use User Content on this Site, Third Party Platforms, and in connection with Fem-Led News’s business. This includes promoting, redistributing, and using User Content in various media formats and channels without restrictions or the need for payment, consideration, permission, or notification to you or any third party.

Our Monitoring of User Content
Fem-Led News reserves the right, though not the obligation, to pre-screen User Content and determine whether any item of User Content complies with this Agreement. Fem-Led News may remove any User Content or terminate a user’s access to this Site or the Services for posting material that violates this Agreement, or for any other violations of this Agreement, as determined solely by Fem-Led News, without prior notice. In the event of access termination, Fem-Led News may, at its sole discretion, remove and destroy any data and files stored on its servers by the user.

Copyright Infringement
Fem-Led News follows a general policy for addressing copyright infringement in accordance with the Digital Millennium Copyright Act (“DMCA”). This policy includes:

• Blocking access to or removing material believed to be copyrighted material that has been illegally copied and distributed by advertisers, affiliates, content providers, or users.
• Removing and discontinuing service to repeat offenders.

Written Notification
If you believe that your content has been copied in a manner constituting copyright infringement, please notify us immediately. Fem-Led News will respond to notices of alleged infringement regarding third-party material sent pursuant to and in accordance with the DMCA, which may include Fem-Led News removing or disabling access to Third Party material claimed to be the subject of infringement or other activity. Please include the following information in your infringement notification:

• A physical or electronic signature of a person authorized to act on behalf of the copyright owner.
• Identification of the copyrighted work claimed to have been infringed.
• Identification of the material claimed to be infringing and information to locate it.
• Contact information for the complaining party.
• A statement that the use of the material is not authorized by the copyright owner, its agent, or the law.
• A statement that the information in the notification is accurate, and under penalty of perjury, that the notifying party is the copyright owner or authorized to act on behalf of the owner.

Counter Notification
If you believe your work has been removed or disabled by mistake or misidentification, please contact us immediately at info (at) femled (dot) news. For an effective Counter Notification, please include:

• A physical or electronic signature of the user.
• Identification of the removed material and its previous location.
• A statement that the removal was a result of a mistake or misidentification.
• The user’s name, address, and telephone number.
• A statement of consent to the jurisdiction of the Federal District Court.

Upon receipt of a valid Counter Notification containing the outlined information, Fem-Led News will, within a reasonable time (or as required by law), restore the removed material or re-enable access, provided that Fem-Led News has not received notice from the original complaining party regarding legal action against the user for infringing activity.

Links to Third-Party Websites
This Site and the Services may contain links to third-party websites that are not owned or controlled by Fem-Led News. These links are provided solely for your convenience and do not constitute an endorsement by Fem-Led News of the content on such websites or the business practices of those operating them. Fem-Led News does not have control over, and assumes no responsibility for, the content, terms and conditions, privacy policies, or practices of any third-party websites.

Furthermore, Fem-Led News does not censor or edit the content of any third-party websites. By using this Site or the Services, you explicitly release Fem-Led News from any and all liability arising from your use of any third-party website. Therefore, Fem-Led News encourages you to exercise caution and be aware when you leave this Site or the Services. It is advisable to review the terms and conditions, privacy policies, and other governing documents of any other website you may visit.

Affiliate Compensation Disclosures
These Affiliate Compensation Disclosures (the “Disclosures”) are provided by Fem-Led News (“Fem-Led News,” “we,” or “our”) and apply to www.femled.news (both the mobile and online versions).

Like most digital media companies, we have financial relationships with various affiliates, advertisers, sponsors, and other third parties (collectively, “Affiliates”), whose products, services, and messaging are described on our Properties. We provide these Disclosures because we believe in transparency and strive to comply with the Federal Trade Commission’s Guides Concerning the Use of Endorsement and Testimonials in Advertising, codified at 16 C.F.R. Part 255.

Fem-Led News often receives monetary and other forms of compensation from Affiliates for various advertising, sponsorships (such as sponsored posts or sponsored stories within our editorial content), insertion orders, commercial messaging, editorial inclusions, and other promotional campaigns featured on our Properties. Therefore, there is often a paid connection between Fem-Led News and an Affiliate regarding a product, service, or company mentioned, reviewed, or recommended on our Properties. If you decide to purchase a product or service mentioned on our Properties, we may receive additional compensation from an Affiliate through an affiliate link. In cases of third-party ads posted on our Properties, we may receive some compensation from the third-party advertiser, even if you do not make a purchase.

Whenever there is such an Affiliate relationship, we do our best to clearly and conspicuously disclose it adjacent to or within the content. For example, such a disclosure may state: “This is a sponsored/affiliate post.”

Please be assured that we aim to provide accurate information about any products, services, or companies mentioned, reviewed, or recommended by Fem-Led News on our Properties, regardless of whether the company is an Affiliate. Moreover, we only recommend products, services, or companies that we personally use or believe will benefit our members.

Lastly, Fem-Led News has several corporate investors. When our content relates to products or services provided by, competing with, or invested in by our investors, our content is created with complete editorial independence. None of our investors have access to our editorial and publication process unless there is a specific content creation agreement. If such a relationship exists, we will clearly disclose it, as noted above. We will also remind our audience of the relationship when we directly cover the business or other activities of an investor.

If you have any questions, comments, or concerns regarding these Disclosures, please reach out directly.

Indemnity
You agree to indemnify and hold harmless Fem-Led News, its and affiliates, and their directors, officers, managers, employees, shareholders, agents, and licensors, from and against all claims, demands, disputes, losses, expenses, damages, and costs, including reasonable attorneys’ fees, arising out of or in relation to your breach of these Terms or your misuse of the Site, the Services, Fem-Led News Content, the Loyalty Program, or any Beta Feature. Fem-Led News reserves the right to assume the exclusive defense of any claim for which we are entitled to indemnification under this Section. In such event, you shall provide us with such cooperation as is reasonably requested by us.

Disclaimer of Warranties and Limitation of Liability
THE SITE, THE SERVICES,  AND ALL Fem-Led News CONTENT ARE AVAILABLE “AS IS.” Fem-Led News DOES NOT WARRANT THAT THE SITE, THE SERVICES,  OR ANY Fem-Led News CONTENT WILL BE UNINTERRUPTED OR ERROR-FREE. THERE MAY BE DELAYS, OMISSIONS, INTERRUPTIONS, AND INACCURACIES IN THE NEWS, INFORMATION, OR OTHER MATERIALS AVAILABLE THROUGH THE SITE, THE SERVICES,  PLATFORM,  OR ANY Fem-Led News CONTENT. WE DISCLAIM ALL WARRANTIES, INCLUDING WITHOUT LIMITATION, THOSE OF NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES ARISING FROM A COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE WITH RESPECT TO THE SITE, THE SERVICES, ,  PLATFORM, , ANY Fem-Led News CONTENT OR ANY INFORMATION OR GOODS THAT ARE AVAILABLE OR ADVERTISED OR SOLD THROUGH THE SITE, THE SERVICES,  OR ANY Fem-Led News CONTENT. WE DO NOT PROVIDE OR AUTHORIZE THE PROVISION OF MEDICAL, LEGAL, OR OTHER PROFESSIONAL ADVICE THROUGH THE SITE, THE SERVICES,  PLATFORM,  OR ANY Fem-Led News CONTENT, AND SO WE DISCLAIM ANY RESPONSIBILITY FOR THE ACCURACY OR RELIABILITY OF MEDICAL, LEGAL, OR OTHER PROFESSIONAL INFORMATION THAT IS CONTAINED WITHIN THE SITE, THE SERVICES,  PLATFORM,  OR ANY Fem-Led News CONTENT; RATHER THAN RELYING ON THIS INFORMATION, YOU SHOULD SEEK ADVICE FROM A QUALIFIED PROFESSIONAL. WE DO NOT MAKE ANY REPRESENTATIONS REGARDING, NOR DO WE ENDORSE THE ACCURACY, COMPLETENESS, TIMELINESS, OR RELIABILITY OF ANY ADVICE, OPINION, STATEMENT, OR OTHER MATERIAL OR DATABASE DISPLAYED, UPLOADED, OR DISTRIBUTED IN , THE SERVICES, THE SITE,  PLATFORM, OR AVAILABLE THROUGH LINKS IN THE FOREGOING. WE RESERVE THE RIGHT TO CORRECT ANY ERRORS OR OMISSIONS IN THE SITE, THE SERVICES,  PLATFORM, AND . WE DO NOT GUARANTEE OR WARRANT THAT THE BETA FEATURES, THE SERVICES, THE SITE,  PLATFORM, OR MATERIALS THAT MAY BE DOWNLOADED FROM THE FOREGOING DO NOT CONTAIN VIRUSES, WORMS, “TROJAN HORSES,” OR OTHER DESTRUCTIVE MATERIALS. WE ARE NOT LIABLE FOR ANY DAMAGES OR HARM ATTRIBUTABLE TO SUCH FEATURES. IN CONNECTION WITH ANY WARRANTY, CONTRACT, OR COMMON LAW TORT CLAIMS, Fem-Led News, ITS AFFILIATES, AND THEIR DIRECTORS, OFFICERS, MANAGERS, EMPLOYEES, SHAREHOLDERS, AGENTS, AND LICENSORS: (I) SHALL NOT BE LIABLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION RESULTING FROM THE USE OR INABILITY TO ACCESS AND USE THE SERVICES OR THE CONTENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; OR (II) ANY DIRECT DAMAGES THAT YOU MAY SUFFER AS A RESULT OF YOUR USE OF THE SITE, THE SERVICES,  PLATFORM, ANY BETA FEATURE OR ANY Fem-Led News CONTENT SHALL BE LIMITED TO THE MONIES YOU HAVE PAID US IN CONNECTION WITH YOUR USE OF THE FOREGOING DURING THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENTS GIVING RISE TO THE CLAIM.

Limitation of Liability in Certain States
CERTAIN STATE LAWS IN THE UNITED STATES DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE LIMITATIONS ON WARRANTIES MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

Compliance with Applicable Laws
The Site and the Services are based in the United States and are only available to United States residents. We make no claims concerning whether the Content may be downloaded, viewed, or be appropriate for use outside of the United States. If you access the Site and the Services, or the Content from outside of the United States, you do so at your own risk. Whether inside or outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction.

Binding Arbitration
Except for disputes arising from an alleged violation of intellectual property rights or breach of confidentiality, for which the injured party may suffer irreparable harm and may seek a restraining order, preliminary injunctive relief, an injunction, specific performance or other equitable relief and/or legal remedies, and actions to enforce the decisions of the arbitrators, for which action may be taken in any court of competent jurisdiction, in the State of North Carolina, and you hereby consent to (and waive all defenses of lack of personal jurisdiction and forum non conveniens with respect to) to waive the right to trial by jury in any such action or proceeding that takes place relating to or arising out of this Agreement, all disputes arising out of or related to this Agreement, including the scope, the construction location of this Agreement, shall be resolved by binding arbitration governed by the Federal Arbitration Act and in accordance with the commercial arbitration rules of the Judicial Arbitration and Mediation Services (“JAMS”) then in force. NEITHER PARTY SHALL HAVE THE RIGHT TO LITIGATE SUCH DISPUTE IN COURT OR TO HAVE A JURY TRIAL. DISCOVERY AND APPEAL RIGHTS MAY ALSO BE LIMITED IN ARBITRATION. The arbitration hearings and all meetings pursuant to this section shall be held in the State of North Carolina. If the parties cannot agree upon a single arbitrator within twenty (20) calendar days after demand by either of them, each party shall select one arbitrator knowledgeable about Internet commerce in North Carolina, and notify the other of its selection, and such two arbitrators shall select a third from a list of arbitrators (with knowledge of the Internet industry) qualified by JAMS in North Carolina. If this procedure for selecting arbitrators fails, then a neutral arbitrator based in North Carolina with knowledge of Internet commerce in North Carolina State shall be selected by JAMS to resolve the dispute. The arbitrator(s) shall conduct a hearing within sixty (60) days after their selection. A majority of the arbitrators (if there is more than one pursuant to this clause) shall determine the decision/award, which shall be rendered within ten (10) days after the completion of the hearing. The decision of the arbitrator(s) shall be final and binding upon the parties both as to law and to fact, and shall not be appealable to any court in any jurisdiction. The parties shall share the expenses of the arbitrators equally. Nothing in any indemnification provision hereunder shall be construed as having any bearing on the award of attorneys’ fees or arbitrators’ fees under this section.

Class Action Waiver
You agree that any arbitration or proceeding shall be limited to the dispute between us and you individually. To the full extent permitted by law, (i) no arbitration or proceeding shall be joined with any other; (ii) there is no right or authority for any dispute to be arbitrated or resolved on a class action-basis or to utilize class action procedures; and (iii) there is no right or authority for any dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. You agree that any controversy or claim shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim or controversy of any other party, unless agreed to by Fem-Led News at its sole discretion.

Miscellaneous
Nothing in this Agreement shall be deemed to confer any third-party rights or benefits. This Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective heirs, successors and assigns. This Agreement shall be governed by and construed in accordance with the laws of the State of North Carolina without regard to conflict of laws principles. The titles and headings of this Agreement are for convenience and ease of reference only and shall not be utilized in any way to construe or interpret the agreement of the parties as otherwise set forth herein. This section and the sections entitled Beta Features, Intellectual Property, Indemnity, Disclaimer of Warranties and Limitation of Liability, Binding Arbitration and Class Action Waiver shall survive the termination of this Agreement. Each covenant and agreement in this Agreement shall be construed for all purposes to be a separate and independent covenant or agreement. Neither the course of conduct between parties nor trade practice shall act to modify any provision of this Agreement. This Agreement contains the entire agreement of the parties concerning the subject matter, and supersedes all existing agreements and all other oral, written or other communication between the parties concerning its subject matter.

Live Event Disclaimer
Our webinars are for general educational purposes only and are not meant to be a substitute for business or investment advice or your exercise of your own business judgment. Fem-Led News is a media company and is not a broker/dealer, financial advisor, or fiduciary providing investment guidance or recommendations. Any such decisions or judgments are made at your sole discretion and election. Any reference in the webinar relating to an investment or security is not a recommendation to buy, sell, or hold such investment or security, or to make any other investment decisions, and does not address the suitability of any investment or security. When any information provided in the webinar include estimates or predictions of future events or behaviors, Fem-Led News makes no guarantees as to the occurrence of such future events or behaviors. Closed Caption might not be available for live events. Live Events will often be recorded.