The Markraiser, web site (site), the services provided in connection therewith (the Services) and the software available for download from Markraiser.com, or the site in connection with the Services (the Software) are owned, operated and maintained, as applicable, by S & D Emerging Entrepreneurs ("we", "our" or "us"). By

• Using or accessing the site or the Services
• Downloading, accessing, installing or using the Software or
• Paying for someone else to use or access the site or the Services or download, access, install or use the Software, you agree to the terms and conditions set forth below (Terms).

If you do not agree with these Terms, neither you nor your designee or giftee may access, download, install, or use (as applicable), the site, the Services or the Software. For the purposes of this agreement, you refers to a parent or guardian who pays for access to the Services as well as the student who accesses or uses the Services. If you are a parent, guardian, or other person who enables a child below 18 years of age to access the Services, you agree to indemnify or in case of damages compensate us on his behalf.

Changes to Terms of Use

Markraiser, reserves the right, from time to time, with or without notice to you, to change these Terms of Use in our sole and absolute discretion. The most current version can be reviewed by clicking on the "Terms of Use" located at the bottom of the pages of the Markraiser Web site. The most current version of the Terms of Use will supersede all previous versions. Your use of the Markraiser Web site or continued use of our service after changes are made means that you agree to be bound by such changes.

Privacy Policy

Any information submitted on the Markraiser website is subject to our privacy policy. Please review our Privacy Policy on the website.