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We reserve the right, at our own expense, to assume the exclusive defense and control of such disputes, and in any event you will cooperate with us in asserting any available defenses.You also hereby grant each user of the Site a non-exclusive license to access your User Content through the Site, and to use, reproduce, distribute, display and perform such User Content as permitted through the functionality of the Site and under these Terms. We are happy to hear from our users and welcome feedback regarding our Site.The permitted use described in this section is contingent on your compliance at all times with these Terms.

You are responsible for maintaining the confidentiality of your password and for restricting access to your computer so others may not access the Site using your name in whole or in part without your permission.

If you believe someone has accessed the Site using your registration account and password without your authorization, e-mail us immediately at [email protected] By placing material on the Site, including but not limited to posting content or communications to any Site bulletin board, forum, blogspace, message or chat area, or posting text, images, audio files, video clips, or any audio-visual content to the Site (collectively, “User Content”), you represent and warrant: (1) you own or otherwise have all necessary rights to the User Content you provide and the rights to provide it under these Terms; and (2) the User Content will not cause injury to any person, group or entity. For all User Content you post, upload, or otherwise make available (in this section – “Provide”) to the Site, you grant PBCI a worldwide, royalty-free, perpetual, irrevocable, non-exclusive right and fully sub-licensable, assignable and transferrable license to use, copy, reproduce, distribute, publish, publicly perform, publicly display, modify, adapt, translate, archive, store, and create derivative works from such User Content, in whole or in part, in any form, format, or medium, of any kind now known or later developed.

Without limiting the generality of the previous sentence, you authorize PBCI to: (i) share the User Content across all websites, mobile applications, publications and other online and offline services affiliated with PBCI; (ii) include the User Content in a searchable format accessible by users of the Site and other PBCI websites, mobile applications, publications and other online services; (iii) place advertisements in close proximity to such User Content; and (iv) use your name, likeness and any other information you Provide in connection with our use of the material you Provide.

The Site reserves the right to deny access to any person who violates these Terms. The Site is intended solely for persons who are 18 years old or older.

Any access to or use of the Site by anyone under the age of 18 is expressly prohibited.

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