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 * TERMS OF USE


TERMS OF USE

Effective Date: March 18, 2024

PLEASE SCROLL DOWN AND READ THE TERMS OF USE BELOW.

These Terms of Use (this “Agreement”) govern your use of all digital products
and services from The Wall Street Journal, Barron's, MarketWatch, and as
described below, the print version of The Wall Street Journal, WSJ. Magazine,
Barron's, and Mansion Global that are made available from time to time,
including without limitation, any webpages, services, content, newsletters,
databases and information therein (each, a “Service” and collectively, the
“Services”), unless other terms and conditions expressly govern. Examples of the
digital products and services that this Agreement governs include wsj.com, WSJ
Video, barrons.com, barrons.com/penta, marketwatch.com, Big Charts, Virtual
Stock Exchange, and MarketWatch newsletters. These products and services are
provided either directly by Dow Jones & Company, Inc. and its subsidiaries (“Dow
Jones”, “we”, “us”, “our”) or through various third party platforms and devices
(e.g., mobile and tablet).

IMPORTANT NOTICE - BINDING ARBITRATION AND CLASS ACTION WAIVER: PLEASE READ
THESE TERMS OF USE CAREFULLY AS THEY CONSTITUTE A LEGAL AGREEMENT AND IMPACT
YOUR LEGAL RIGHTS AND OBLIGATIONS, INCLUDING WAIVER OF RIGHTS AND LIMITS ON
REMEDIES. BY AGREEING TO BE BOUND BY THE TERMS OF THIS AGREEMENT, YOU AGREE THAT
ALL DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING ARBITRATION, EXCEPT
FOR CERTAIN LIMITED TYPES OF DISPUTES DESCRIBED IN SECTION 16.1 BELOW. YOUR
AGREEMENT TO ARBITRATION MEANS YOU ARE GIVING UP THE RIGHT TO GO TO COURT AND
THE RIGHT TO A TRIAL BY JURY, AND INSTEAD, DISPUTES WILL BE DECIDED BY A NEUTRAL
ARBITRATOR. YOU ALSO AGREE THAT ALL DISPUTES BETWEEN YOU AND US, WHETHER IN
COURT OR IN ARBITRATION, WILL BE BROUGHT ONLY ON AN INDIVIDUAL BASIS AND YOU ARE
WAIVING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION,
OR ANY OTHER FORM OF REPRESENTATIVE ACTION. PLEASE CLICK HERE TO READ SECTION 16
OF THIS AGREEMENT FOR FURTHER DETAILS.

If you do not agree to be bound by the terms of this Agreement, please do not
access a Service. If you access or use a Service, with or without an active
subscription or registration, you are hereby notified that your continued use of
such Service is subject to all applicable terms and conditions of this
Agreement.

1. Effective Date of & Changes to this Agreement

We may change the terms of this Agreement at any time by notifying you of the
change in writing or electronically (including without limitation, by email or
by posting a notice on a Service indicating that the terms have been “updated”
or similar words). The updated terms also will appear in this document, which
you can access at any time by going to the Agreement link at the footer of those
Services which are made available through a website or to the Legal or Legal
Notices area of those Services which are made available as an application. By
using a Service after changes are made to this Agreement you signify that you
agree to be bound by such changes.

2. Compliance

We are based in the United States and the Services are provided from the United
States. We make no representation or warranty that a Service or text, graphics,
images, video, artwork, metadata and other data, design, organization,
compilation, look and feel, advertising and all other protectable intellectual
property, including but not limited to any copyrights, trademarks, service
marks, trade names, trade dress, patent rights, or database rights available
through the Services (the “Content”) is appropriate or available for use in
other locations. You agree that you will comply with any and all laws applicable
to your use of a Service.

3. Privacy and Your Account

The Dow Jones Privacy Notice describes how we collect, use, share and protect
your personal information Your information may be stored and processed in the
United States or any other country where Dow Jones has facilities and/or in
which we engage service providers, and by using a Service online, you consent to
the transfer of information outside of your country. If your access to a Service
has been provided by or through a third party (for example, your employer or an
education institution where you are a student) (each, a “Third Party Payer”),
the Third Party Payer may have provided us with information about you (such as
your email address or name) to enable us to provide you with access to a Service
and distinguish you from other users. If you access a Service using a password,
you are solely responsible for maintaining the confidentiality of that password.
You agree to notify us promptly if you change your billing or delivery address
or email address so we can continue to contact you and send any notices
described hereunder. If you fail to notify us promptly of a change, then any
notice we send to your old address shall be deemed sufficient notice.

4. Fees and Payments

You must be 18 years of age or older to purchase a subscription to the Services
or any other content, product, or service offered by us through the Services. If
you are less than 18 years of age and want to make any such purchase, please ask
your parent or guardian to complete the purchase on your behalf. You agree to
pay the subscription fees and any other charges incurred in connection with your
account for a Service (including any applicable taxes) at the rates in effect
when the charges were incurred. If your subscription includes access to areas
containing premium content or services, your access to such areas may be subject
to additional fees, terms and conditions, which will be separately disclosed in
such areas. Unless you have paid by check, we will bill all charges
automatically to your credit or debit card. Subscription fees will be billed at
the beginning of your subscription and any renewal. As a general matter, all
fees and charges are non-refundable. We reserve the right to issue refunds or
credits at our sole discretion. If we do issue a refund or credit, we are under
no obligation to issue the same or similar refund in the future. Please visit
our Customer Center at customercenter.wsj.com for more details about our refund
policies. We may change the fees and charges then in effect, or add new fees or
charges, by giving you notice in advance and an opportunity to cancel. If you
need to update your credit or debit card details or you want to use a different
credit or debit card, please visit our Customer Center at customercenter.wsj.com
to make changes. If you believe someone has accessed a Service using your user
name and password without your authorization, please immediately notify us by
calling Customer Service at the phone number for your country listed at
https://customercenter.wsj.com/contact or contacting us through our Customer
Center at customercenter.wsj.com. You are responsible for any fees or charges
incurred to access a Service through an Internet access provider or other
service not owned by us.

5. Term; Cancellation and Renewal
5.1 Term and Renewal.

This Agreement shall remain in full force and effect while you use the Services
and certain provisions shall survive and remain in full force and effect for an
indefinite period, as described in Section 5.4 below. Unless you have paid by
check, your subscription will renew automatically until it is cancelled in
accordance with this Section 5. You must cancel your subscription before it
renews in order to avoid billing your credit or debit card for subscription fees
related to the renewal term. You will be notified of pending renewals or pricing
increases as required by applicable law.

5.2 Cancellation Policy.

We may cancel your subscription at any time upon notice to you. You may cancel
your subscription by following the procedures described in the Cancellation and
Refund Policy on our Customer Center at customercenter.wsj.com. If you have
access to any Service through a bundled subscription (or any other bundle that
includes a Service as well as other Dow Jones consumer products or services),
you may cancel your subscription to such bundle, or any service included in such
bundle, by following the procedures for such bundle described in the
Cancellation and Refund Policy on our Customer Center.

5.3 Effect of Cancellation.

If you cancel your subscription, your access to the Service will terminate at
the end of your then-current subscription term. If we cancel your subscription,
your access to the Service will terminate as of the cancellation date determined
by us, which may be on or prior to the end of your then-current subscription
term. In either case, your status will change to that of a registered
non-subscriber user (or a free registered user) with respect to that Service. As
a registered non-subscriber user, you may have limited access to the Services,
and any such access and use will remain subject to the provisions of this
Agreement and our Privacy Notice. Notwithstanding the foregoing, in the event we
terminate your subscription for breach, we reserve the right to restrict your
access to any Service.

5.4 Survival of Certain Terms.

Upon the cancellation, termination, or expiration of your subscription or any
registration for any reason or the cessation of use of any Service, the rights
and obligations that expressly or by their nature contemplate performance after
such cancellation, termination, expiration or cessation of use will continue to
survive and shall continue in full force and effect even after you cease using
or accessing any Service, including, but not limited to Sections 1, 2, 3, 4,
5.1, 5.3, 5.4, and 6 through 21, as well as all amounts due and owing.

6. Subscription Policies

By subscribing to a Service, you are subject to our subscription policies,
including without limitation, our Cancellation and Refund Policy, which can be
found at any time in our Customer Center at customercenter.wsj.com. Please read
these carefully as they set forth our cancellation and refund policy and other
important information. We reserve the right to change these policies at any time
and you should refer to them frequently to ensure you are aware of current
policies. Our subscription policies are hereby incorporated into this Agreement
and made a part hereof.

7. Availability of Service through other Platforms; Third Party Payment Services

7.1 If you access a Service through a mobile application or other type of third
party platform, the applicable end user license agreement or terms of use for
the mobile service through which you downloaded the mobile application may apply
in addition to the terms of this Agreement and you agree that you are subject to
such application's or platform's terms in addition to this Agreement. In the
event of a discrepancy between any terms and conditions of this Agreement and
the end user license agreement or terms of use for mobile service, the terms and
conditions of this Agreement shall prevail.

7.2 From time to time, we may use a third party not affiliated with us to
process payments for a Service (a “Third Party Processor”). You agree that this
Third Party Processor is solely responsible for controlling, handling,
processing, or fulfilling purchases processed through its systems. When using
such Third Party Processor you may be subject to additional terms of use/service
and privacy policy(ies) of the Third Party Processor.

8. Certain Types of Users; Print Subscriptions
8.1 Other Subscribers and Users.

If your access to a Service is provided by or through a Third Party Payer (as
defined in Section 3 above), or if you have paid for access to a Service in
connection with your subscription to one or more of our print publications, or
purchased your subscription to a Service through a retailer rather than from us
directly, some or all of the “Fees and Payments” and “Cancellation and Renewal”
terms may not apply to you. Please contact the Third Party Payer, retailer or
our Customer Service department for details. If you access a Service without
paying or registering (e.g., as part of an “open house” or free trial) you are
hereby notified that all of the terms and conditions of this Agreement except
the section labeled “Fees and Payments” and “Cancellation and Renewal” apply to
your use and access of such Service.

8.2 Print Subscriptions.

If you receive the print version of The Wall Street Journal, WSJ.
Magazine,Mansion Global, Penta and/or Barron's, then your use of the print
version of The Wall Street Journal, WSJ. Magazine, Mansion Global, Penta and/or
Barron's shall also be subject to this Agreement except for those provisions
which, due to their nature, are applicable solely to the use of a digital
product or service.

9. Limitations on Use

9.1 The Services are for your individual, personal and non-commercial use only.
Thus, you may not use the Content, including without limitation, any Content
made available through one of our RSS feeds,in any commercial product or
service, without our express written consent.

9.2 You may not share your log-in credentials (including your password) with any
other person whatsoever or publish any log-in credentials (or related
information) on any public-facing medium. Any violation of this clause will
constitute a material breach of this Agreement and may result in Dow Jones
blocking your access to the Services. In any event, you will be responsible and
liable for any access to or use of a Service (including without limitation any
fee-based transactions) by you or any person or entity using your
password/log-in credentials, whether or not such access or use has been
authorized by you or on your behalf, and whether or not such person or entity is
your employee or agent.

9.3 The Content is our property or the property of our advertisers and licensors
and is protected by copyright and other intellectual property laws. Unless you
have our written consent, you may not use, sell, publish, distribute, retransmit
or otherwise provide access to the Content received through the Services to
anyone, including, if applicable, your fellow students, coworkers, or employees,
with the following exceptions:

9.3.1 You may occasionally download, print and/or store articles from a Service
for your individual, personal, and non-commercial use, provided that you
maintain all copyright and other notices contained in the Content and other
downloadable items. You may not otherwise download, print, store or provide
others with access to such articles except through the share features we have
included in a Service. These share features are intended to allow you to share
articles and other Content from a Service with a few individuals on an
occasional basis. They may not be used to regularly provide others with access
to Content from a Service or for sharing Content from a Service with a large
number of individuals. In addition, you may not use articles you have
downloaded, printed or stored to develop or operate an automated trading system,
or for data or text mining any information or content (including associated
metadata).

9.3.2 Please consult the Dow Jones Reprints website at djreprints.com if you
would like to obtain a license to use, sell, publish, distribute, retransmit or
otherwise provide access to the Content other than as expressly permitted by
this Agreement.

9.4 Additional Restrictions on Use of the Content.

9.4.1 You agree not to rearrange or modify the Content available through a
Service. You agree not to display, post, frame, or scrape the Content for use on
or in connection with another website, app, blog, product or service, except as
otherwise expressly permitted by this Agreement. You agree not to modify,
reverse engineer, decompile or disassemble any part of the Services, whether in
whole or in part, or create, reproduce or distribute any derivative work based
on or containing the Content or encourage, assist or authorize any other person
to do so. The framing or scraping of or in-line linking to the Services or any
Content contained thereon and/or the use of webcrawler, spidering, script, site
search/retrieval applications or other manual or automated device, tool, process
or other means to retrieve, scrape, text or data mine information or content
(including associated metadata), access, copy, index, process and/or store any
Content made available on or through the Services other than as expressly
authorized by us is prohibited. You agree not to remove any copyright or other
notices from any Content. You agree not to circumvent any technological
protection measures that limit or restrict a user's access to or use of any
Service. Without limiting the foregoing, you may not use or incorporate any
Content available through a Service for any form of artificial intelligence
(“AI”), including in any generative or other form of AI for training or
grounding purposes.

9.4.2 Without limiting the other restrictions herein, including the restrictions
on scraping the Content or Services, you further agree to abide by exclusionary
protocols (e.g., Robots.txt, Automated Content Access Protocol (ACAP), etc.)
that may be used in connection with the Services. You may not access parts of
the Services to which you are not authorized, or attempt to circumvent any
restrictions imposed on your use or access of the Services.

9.4.3 You may not create apps, extensions, or other products or services that
use our Content (including without limitation in connection with AI) without our
express written permission. You may not aggregate or otherwise use our Content
in a manner that could reasonably serve as, or generate (whether through AI or
otherwise) a substitute for a subscription to a Service.

9.4.4 Any unauthorized or prohibited use of any Content may subject you to civil
liability, criminal prosecution, or both, under applicable federal, state, local
laws, or applicable foreign laws, rules, regulations and treaties. We require
users to respect our copyrights, trademarks, and other intellectual property
rights; we enforce those rights.

9.4.5 You may not access or view the Services with the use of any scripts,
extensions, or programs that alter the way the Services are displayed, rendered,
or transmitted to you without our written consent.

9.5 You agree not to use the Services for any unlawful purpose. In addition to
other rights, we reserve the right to terminate or restrict your access to a
Service if, in our opinion, your use of a Service may violate any laws,
regulations or rulings, infringe upon another person's rights or violate the
terms of this Agreement.

10. Community; User Generated Content
10.1 User Name.

We require you to register to access and use certain of our community areas. We
require that you use your own first and last name as your user name for these
community areas. With certain exceptions, when you register for these community
areas, we will prefill your user name with your own name. It is your
responsibility to choose your password wisely. If you have concerns or believe
that someone is using your password without your authority, please immediately
contact Customer Service. We reserve the right to disclose any information about
you, including registration data, in order to, among other things, comply with
any applicable laws and/or requests under legal process, protect our property,
protect our rights, and safeguard the interests of others, as disclosed in more
detail in our Privacy Notice.

10.2 Rules of Conduct.

All users must comply with the Community Rules, as applicable, for WSJ here,
Barron’s here, and MarketWatch here.

10.3 User Generated Content.
10.3.1 User Content.

We may offer you the opportunity to comment on and engage in discussions
regarding our Content. Any content, information, graphics, audio, images, and
links you submit as part of creating your profile or in connection with any of
the foregoing activities are referred to as “User Content” in this Agreement and
are subject to various terms and conditions as set forth below.

10.3.2 Cautions Regarding Other Users and User Content.

You understand and agree that User Content includes information, views,
opinions, and recommendations of many individuals and organizations and is
designed to help you gather the information you need to help you make your own
decisions. Importantly, you are responsible for your own investment decisions
and for properly analyzing and verifying any information you intend to rely
upon. We do not endorse any recommendation or opinion made by any user. We may,
but are not required to, routinely screen, edit, or review User Content. We
reserve the right to monitor or remove any User Content from the Services for
any reason at any time without notice. If at any time we choose to monitor User
Content, we assume no responsibility for User Content, assume no obligation to
modify or remove any User Content, and assume no responsibility for the conduct
of any user. We reserve the right to investigate and take appropriate legal
action against anyone who, in our sole discretion, violates, or is suspected of
violating, the terms of this Agreement including without limitation this Section
10.2.2 or 10.2.5. You should also be aware that other users may use our Services
for personal gain. As a result, please approach messages with appropriate
skepticism. User Content may be misleading, deceptive, or in error.

10.2.3 Grant of Rights and Representations by You.

If you upload, post or submit any User Content on a Service, you represent to us
that you have all the necessary legal rights to upload, post or submit such User
Content and it will not violate any law or the rights of any person. You
represent and warrant that such User Content is true and accurate in all
material respects and not false, deceptive or misleading in any way and is at
all times in compliance with the applicable Community Rules. You agree that upon
uploading, posting or submitting information on the Services, you grant Dow
Jones, and our respective affiliates and successors a non-exclusive,
transferable, worldwide, fully paid-up, royalty-free, perpetual, irrevocable,
sub-licensable right and license to use, distribute, publicly perform, display,
translate, adapt, reproduce, and create derivative works from your User Content
in any and all media or technology, now known or later developed, in any manner,
in whole or part, with or without attribution, without any duty to compensate
you.

You waive all moral rights you may have in any User Content. You agree that we
may modify or alter your User Content without seeking further permission from
you. You also grant us the right to authorize the use of User Content, or any
portion thereof, by subscribers and other users in accordance with the terms and
conditions of this Agreement, including the rights to feature your User Content
specifically on the Services and to allow other subscribers or users to request
access to your User Content, such as for example through an RSS Feed. You agree
that you are financially responsible for any claim against us arising from any
User Content you create or submit.

10.2.4 We may also remove any User Content for any reason and without notice to
you. This includes all materials related to your use of the Services or
subscription, including email accounts, postings, profiles or other personalized
information you have created or submitted while on the Services.

10.2.5 Copyright Policy.

It is our policy to respond to notices of alleged infringement that comply with
the Digital Millennium Copyright Act. For more information about our policy,
please see our Copyright Policy

11. Additional Terms Applicable to Certain Benefits.

Certain Dow Jones products or services may provide eligible Service users with
certain benefits (“Benefits”) such as special events and special offers from our
partners, discounts and access to certain Dow Jones events. These subscriber
benefits are subject to change and/or cancellation at any time. Any eligible
users may access the Benefits through such user’s login credentials. As is the
case with this Agreement generally, we reserve the right to modify these
additional terms at any time. Under no circumstances shall we be responsible for
any loss or damage resulting in any way in connection with these Benefits. For
additional disclaimers and limitations on liability regarding the Benefits,
please review Section 14 below.

12. Contest and Other Promotions

From time to time, we, our advertisers or other parties may conduct promotions
and other activities on, through or in connection with one or more of the
Services, including, without limitation, contests and sweepstakes (collectively,
“Promotions”). In some cases, you may be eligible to win a prize (“Prize”) as
part of a Promotion. Each Promotion may have additional terms and/or rules or
eligibility requirements which will be posted or otherwise made available to you
in connection therewith in accordance with applicable law.

13. Third Party Websites, Products and Services

Certain sections of a Service may contain links to, or frame third-party
websites, content, products or services (collectively, “Linked Content”). Some
of this Linked Content may contain our logo or other branding of ours.
Notwithstanding the foregoing, the inclusion of any Linked Content does not
constitute an endorsement by us, nor does it incur any obligation,
responsibility or liability on our part or of our affiliates. We do not verify,
control or have any responsibility for the Linked Content, including, without
limitation, their content and privacy practices. We encourage you to read the
terms and conditions and privacy policy on any Linked Content you use.

14. DISCLAIMERS OF WARRANTIES; LIMITATIONS ON LIABILITY; AND TIME LIMITATION FOR
CLAIMS

DISCLAIMERS OF WARRANTIES AND LIMITATIONS ON LIABILITY. YOU AGREE THAT YOUR
ACCESS TO, AND USE OF, THE SERVICES AND THE CONTENT, TOOLS, AND OTHER BENEFITS,
PRIZES AVAILABLE THROUGH THE SERVICES IS ON AN “AS-IS”, “AS AVAILABLE” BASIS. WE
SPECIFICALLY DISCLAIM ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED,
INCLUDING, WITHOUT LIMITATION (A) ANY REPRESENTATIONS OR WARRANTIES OF
MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE; (B) WARRANTIES AGAINST
INFRINGEMENT OF ANY THIRD-PARTY INTELLECTUAL PROPERTY OR PROPRIETARY RIGHTS, (C)
WARRANTIES RELATING TO THE TRANSMISSION OR DELIVERY OF A SERVICE, (D) WARRANTIES
RELATING TO THE ACCURACY, RELIABILITY, CORRECTNESS, TIMELINESS OR COMPLETENESS
OF DATA MADE AVAILABLE ON THE SERVICES OR OTHERWISE BY US, INCLUDING ANY ADVICE,
OPINION, STATEMENT, OR OTHER MATERIAL OR DATABASE DISPLAYED, UPLOADED OR
DISTRIBUTED IN THE SERVICES OR AVAILABLE THROUGH THE SERVICES, AND WARRANTIES
OTHERWISE RELATING TO PERFORMANCE, NONPERFORMANCE, OR OTHER ACTS OR OMISSIONS BY
US OR ANY THIRD PARTY. FURTHER, THERE IS NO WARRANTY THAT THE SERVICES WILL MEET
YOUR NEEDS OR REQUIREMENTS OR THE NEEDS OR REQUIREMENTS OF ANY OTHER PERSON. WE
DO NOT GIVE TAX OR INVESTMENT ADVICE OR ADVOCATE THE PURCHASE OR SALE OF ANY
SECURITY OR INVESTMENT. YOU SHOULD ALWAYS SEEK THE ASSISTANCE OF A PROFESSIONAL
FOR TAX AND INVESTMENT ADVICE. WE MAKE NO WARRANTIES OR REPRESENTATIONS, EXPRESS
OR IMPLIED (A) THAT THE INFORMATION PROVIDED THROUGH THE SERVICES WILL BE FREE
FROM ERROR, OMISSION, INTERRUPTION, DEFECT, OR DELAY IN OPERATION, OR FROM
TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, (B) THAT THE SERVICES WILL BE
AVAILABLE AT ANY PARTICULAR TIME OR LOCATION (C) THAT DEFECTS OR ERRORS IN THE
SERVICES WILL BE CORRECTED, OR (D) THAT THE CONTENT ON THE SERVICES ARE FREE OF
VIRUSES OR OTHER HARMFUL COMPONENTS. ANY INFORMATION ON THE SERVICES IS SUBJECT
TO CHANGE WITHOUT NOTICE, AND WE DISCLAIM ALL RESPONSIBILITY FOR THE SERVICES.
WE RESERVE THE RIGHT TO CORRECT ANY ERRORS OR OMISSIONS IN THE SERVICES. TO THE
EXTENT PERMITTED BY APPLICABLE LAW, THE MAXIMUM LIABILITY OF DOW JONES AND ITS
AFFILIATES AND THEIR RESPECTIVE SHAREHOLDERS, DIRECTORS, OFFICERS, EMPLOYEES,
ADVERTISERS, SUPPLIERS, CONTENT PROVIDERS AND LICENSORS (“THE DOW JONES
PARTIES”) TO YOU FOR DIRECT DAMAGES IS LIMITED TO THE ANNUAL SUBSCRIPTION FEE.
THE DOW JONES PARTIES WILL NOT BE LIABLE (JOINTLY OR SEVERALLY) TO YOU OR ANY
OTHER PERSON AS A RESULT OF YOUR ACCESS OR USE OF THE SERVICES OR SUCH CONTENT,
TOOLS, BENEFITS OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR,
TRANSMISSION, COMPUTER VIRUS, OR LINE OR SYSTEM FAILURE FOR INDIRECT,
CONSEQUENTIAL, SPECIAL, INCIDENTAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING,
WITHOUT LIMITATION, LOST PROFITS, LOST SAVINGS AND LOST REVENUES (COLLECTIVELY,
THE “EXCLUDED DAMAGES”), WHETHER OR NOT CHARACTERIZED IN NEGLIGENCE, TORT,
CONTRACT, OR OTHER THEORY OF LIABILITY, EVEN IF ANY OF THE DOW JONES PARTIES
HAVE BEEN ADVISED OF THE POSSIBILITY OF OR COULD HAVE FORESEEN ANY OF THE
EXCLUDED DAMAGES, AND IRRESPECTIVE OF ANY FAILURE OF AN ESSENTIAL PURPOSE OF A
LIMITED REMEDY. IF ANY APPLICABLE AUTHORITY HOLDS ANY PORTION OF THIS SECTION TO
BE UNENFORCEABLE, THEN THE DOW JONES PARTIES' LIABILITY WILL BE LIMITED TO THE
FULLEST POSSIBLE EXTENT PERMITTED BY APPLICABLE LAW.

15. Indemnification

You agree to indemnify and hold harmless us, our parent, subsidiaries, and
affiliates, and respective successors and assigns, owners, directors, officers,
managers, employees, shareholders, agents, representatives, advertisers,
operators, suppliers, service providers and licensors, from and against all
losses, expenses, damages and costs, including reasonable attorneys’ fees,
arising in any way out of or in connection with your use of a Service, your
breach or violation of this Agreement, or your User Content. We reserve the
right to assume the exclusive defense and control of any matter subject to
indemnification by you and all negotiations for its settlement or compromise
under this Section 15. In such event, you shall provide us with such cooperation
as is reasonably requested by us.

16. DISPUTE RESOLUTION, ARBITRATION AGREEMENT, CLASS ACTION WAIVER, AND MASS
ARBITRATION WAIVER.
16.1 MANDATORY DISPUTE NOTICE AND PRE-DISPUTE RESOLUTION.

In the event of a Dispute, the party seeking relief must first send to the other
party a written statement with their name, address, contact information, the
facts about the Dispute, and relief requested (the “Dispute Notice”). Dispute
Notices must be addressed to Dow Jones & Company, Inc., 1211 Avenue of the
Americas, New York, NY 10036, ATTN: Legal Department. For a period of 60
calendar days after receipt of a Dispute Notice (which can be extended by
agreement and during which time any statute of limitations and any filing fee
deadlines are tolled), the parties shall attempt to resolve the Dispute in good
faith. Dispute Notice recipients may demand an informal Dispute resolution
conference that both parties shall personally attend.

Compliance with this Section 16.1 is a condition precedent to initiating
arbitration or a small claims action. If the Dispute is not resolved within the
60 days, then either party may proceed in accordance with the below. This
section does not apply to Disputes involving intellectual property or Section
9.4.1

16.2 MUTUAL ARBITRATION AGREEMENT.

All Disputes will be resolved by binding, individual arbitration, unless
otherwise set out in Section 16.3 and 16.4, or with the exception of the
following: 1) any claim involving intellectual property, 2) any claim involving
Section 9.4.1, and 3) any claim eligible to be brought in small claims court
(collectively, “Excluded Claims”). YOUR AGREEMENT TO ARBITRATION MEANS THAT FOR
ALL DISPUTES, EXCEPT FOR EXCLUDED CLAIMS, YOU ARE GIVING UP YOUR RIGHTS TO FILE
A LAWSUIT IN COURT AND TO A JURY TRIAL. INSTEAD, YOU WILL HAVE A HEARING BEFORE
A NEUTRAL ARBITRATOR. IN ARBITRATION, THERE IS NO JUDGE OR JURY AND THERE IS
LESS DISCOVERY AND APPELLATE REVIEW THAN IN COURT.

16.3 WAIVER OF JURY TRIAL, CLASS ACTIONS, AND CLASS ARBITRATIONS. THE PARTIES
WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION, OR ANY
OTHER FORM OF REPRESENTATIVE ACTION, WHETHER IN COURT OR IN ARBITRATION. EACH
PARTY MAY PROCEED IN ANY DISPUTE ONLY IN THAT PARTY'S INDIVIDUAL CAPACITY, AND
NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS ACTION OR CLASS ARBITRATION.

By entering into this Agreement, independent of the agreement to arbitrate and
waiver of class arbitration, you are giving up the ability to participate in or
bring a class action in court for all claims, including but not limited to
Excluded Claims. If this waiver of class actions and class arbitrations is
deemed unenforceable, neither you nor Dow Jones is entitled to arbitration;
instead all Disputes will be resolved in court as noted below.

16.4 WAIVER OF MASS ARBITRATION FILINGS.

You and Dow Jones waive the right to file any Dispute as part of a Mass
Arbitration Filing. A “Mass Arbitration Filing” includes instances in which you
or Dow Jones are represented by a law firm or collection of firms that has filed
25 or more arbitration demands of a substantially similar nature against the
other party within 180 days of the arbitration demand filed on your or Dow
Jones's behalf, and the law firm or collection of firms seek to simultaneously
arbitrate all arbitration demands. No arbitrator shall arbitrate any Mass
Arbitration Filing. If this waiver of Mass Arbitration Filings is deemed
unenforceable, neither you nor Dow Jones is entitled to arbitration; instead all
Disputes will be resolved in court as noted below and subject to Section 16.3.

16.5 All arbitrations shall be filed with and administered by JAMS under its
Streamlined Arbitration Rules and Procedures, available at
https://www.jamsadr.org. The demand must be personally signed by the party
initiating arbitration and must certify that the party has complied with Section
16.1 above. . The arbitrator may award any relief or sanctions against all
appropriate persons for any claim or relief that is frivolous or brought for an
improper purpose.

16.6 All issues are for the arbitrator to decide, except that issues relating to
the scope, application, and enforceability of the waiver provisions in 16.3 and
16.4 are for the court to decide. New York law applies to any arbitration under
this Agreement, but the Federal Arbitration Act governs the interpretation and
enforcement of the arbitration agreement.

16.7 You may request an in person hearing in your hometown. If the Arbitrator
finds the costs and fees of an Arbitration you initiate will be prohibitive as
compared to litigation in court, we will pay as much of your Arbitration filing
and arbitrator fees as the Arbitrator deems necessary to prevent the Arbitration
from being cost-prohibitive. Payment of fees will be governed by JAMS rules.
JAMS has discretion to reduce fees and a good-faith challenge to the fees does
not constitute a waiver or breach of this Agreement.

16.8 Right to Opt Out of Arbitration.

You may opt out of the mandatory arbitration provisions of this Agreement by
sending written notice of your opt out along with your name and email address
used to set up your account to Dow Jones & Co Inc. 1211 6th Ave, New York, NY
10036 or email to ArbitrationOptOut@dowjones.com, within 30 days after first
becoming subject to this Arbitration Agreement. If you opt out of this
Arbitration Agreement, all other parts of this Agreement will still apply to
you. Opting out of this Arbitration Agreement has no effect on any other current
or future Arbitration Agreements you may have with us. This opt-out does not
apply to the class action waiver in Section 16.3.

16.9 Judgment on the award rendered by the arbitrator may be entered in any
federal or state court of competent jurisdiction located in the County of New
York, New York.

17. General

Except as otherwise specifically set forth in this Agreement, this Agreement
contains the final and entire agreement between you and us regarding your use of
the Services and any aspect of the relationship between you and us and
supersedes all previous and contemporaneous oral or written agreements regarding
your use of the Services. We may discontinue or change the Services, or their
availability to you, at any time. This Agreement is personal to you, which means
that you may not assign or transfer your rights or obligations under this
Agreement to anyone, but our rights and obligations under this Agreement may be
assigned or transferred by us without restriction, notice or other obligation to
you. No third party (other than Dow Jones's affiliates providing or facilitating
any Services hereunder) is a beneficiary of this Agreement. All rights not
expressly granted to you hereunder are reserved to us and our licensors. The
failure of Dow Jones to exercise or enforce any right or provision of this
Agreement will not operate as a waiver of such right or provision.

18. Governing Law and Venue

You agree that this Agreement, as well as any and all claims and disputes
arising from this Agreement will be governed by and construed in accordance with
the laws of the State of New York, United States of America, without regard to
any conflict or choice of law principles. The sole jurisdiction and venue for
any claims, including Excluded Claims litigation, any other controversy or claim
for which arbitration is denied for any reason, or any other claim that
otherwise proceeds in court, will be an appropriate federal or state court with
proper jurisdiction located in the County of New York in the State of New York.

Our failure to enforce any provision of this Agreement or to respond to a breach
by you or other parties of this Agreement shall not in any way waive our rights
to subsequently enforce any term or condition of this Agreement. This Agreement
will not be governed by the United Nations Convention on Contracts for the
International Sale of Goods.

19. Severability

Subject to the provisions of Section 16.3 and Section 16.4 above, if for any
reason an arbitrator or court of competent jurisdiction finds any provision of
the Agreement, or portion thereof, to be invalid or unenforceable, that
provision or portion will be enforced to the maximum extent permissible so as to
give effect to the intent of the Agreement, and otherwise will be severable with
the remainder of the provision and Agreement continuing to be valid and
enforceable in full force and effect.

20. Additional Terms and Notices

We employ cookie technology. Read the Dow Jones Cookie Notice for more
information on our use of cookies. Certain of our content, data and information
providers require us to include additional terms and conditions relating to
their content and data, which you can review here.

21. Force Majeure

We shall not be liable for any delay or failure to perform resulting from causes
outside of our reasonable control, including, but not limited to, acts of God,
war, terrorism, pandemics, riots, embargos, acts of civil or military
authorities, government, cyber attacks attributable by public or private parties
to state or quasi-state actors, fire, floods, accidents, strikes or shortages of
transportation facilities, fuel, energy, labor or materials.

© Copyright 2024 Dow Jones & Company, Inc. All rights reserved.

The Wall Street Journal, WSJ, Barron's, MarketWatch, and all other company
trademarks used herein are trademarks of Dow Jones & Company, Inc. and its
affiliates.


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