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window contractors in St. Joseph, MO
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How to select a suitable window frame material?
Each window frame material has distinctive features that fit the specific home's style, energy efficiency, and service life requirements. When selecting the new windows for your home, consider their finish, insulation properties, durability, and upkeep, as well as the climate pattern that prevails in your region.
Below we'll discuss the most sought-after window frame materials you might set your sights on:
Vinyl. If you seek frame material that is budget-friendly and energy-efficient, vinyl is the best way to go. Frames made of vinyl have excellent weathering and require little to no maintenance. They come in multiple colors and feature ultimate resistance to fading, so you won't need to refinish them, even if you live in a sunny climate. This material can mimic the look of natural wood and is often used as its less whimsical and more affordable alternative. Vinyl windows can be installed in a cold climate as they are resistant to leakage and offer reliable heat insulation.
Nevertheless, this frame material is prone to sagging and wrapping over time and has limits in the weight of the glass it can frame.
Wood. Natural wood is a traditional window frame material known for its beauty and classic style. Its variabilities include pine, cedar, and fir, which are perfect insulators and can be painted in just about any color. The elegance and warm look that wooden windows offer are beyond compare. That is why people who can afford this natural material never settle for its cheaper vinyl and aluminum imitations. Wood frames have better energy-saving options than aluminum but are less efficient than vinyl. Their main downside is expansion and contraction caused by rapid temperature drops that result in sealing issues and premature deterioration. Besides, wood-framed windows are prone to moisture and pest infestation and might be difficult to upkeep.
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Here's what clients who found local window contractors through HomeQuote say
I lacked time looking for window replacement professionals myself, so a contractor-matching website seemed an excellent way to go. As soon as I left my request, I got an email with offers from local contractors.
Truth be told, I didn't expect to find affordable window installers in Boston so soon. HomeQuote paired me with licensed pros the same day, not charging any upfront costs.
I left my request on the platform and got three offers from local window masters. I compared the given quotes and hired the cheapest company.
When I did my window contractors research, I came across this website. I decided to give it a try and turned up trumps. I hired a window company the same day.
The platform is easy-to-use and properly working. You only need to specify your area of living and the details of your project to get the ball rolling.
I just had the contractor hired through HomeQuote replace four windows in my house, and everything was done professionally.
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Locations we cover
- Blue Springs, MO
- Cape Girardeau, MO
- Chesterfield, MO
- Columbia, MO
- Farmington, MO
- Florissant, MO
- Independence, MO
- Jefferson City, MO
- Joplin, MO
- Kansas City, MO
- Lee's Summit, MO
- O'Fallon, MO
- Oakville, MO
- Springfield, MO
- St. Charles, MO
- St. Joseph, MO
- St. Louis, MO
- St. Peters, MO
- Wentzville, MO
- Wildwood, MO
Is updating to energy-efficient windows in St. Joseph, MO worth the investment? - Expert opinion from local window replacement professionals
Windows, along with doors and a roof system, are essential home elements responsible for insulation and energy efficiency. However, when remodeling or building a home from scratch, most homeowners prioritize the aesthetic aspect of their window units, ignoring their performance. Why does it happen? Because the curb appeal of the property is what attracts the majority of buyers, while only a few knowledgeable prospects base their buying decision on the energy-saving properties of a building.
However, it's worth prioritizing window performance if you're not about to sell your house in the following months, as it directly impacts home energy consumption. Poorly sealed windows that transmit air inside and out can actually be thermal holes. You should consider their immediate replacement as ignorance of this problem results in losing up to 30% of a home's heating and cooling energy. Drafty and leaky windows are not only comfort killers but also utility bill drivers. That is why window installers in St. Joseph , MO recommend updating to Energy Star units with double or triple panes and argon or krypton gas inside. Windows that meet rigid quality and energy-efficiency standards ensure the overall livability of your home, allowing you to reduce electricity consumption.
Not all window companies in St. Joseph, MO, are certified to perform Energy Star window replacement. That is why it might take a while to find an expert professional to whom you can entrust this job. Fortunately, proven contractor-matching services like HomeQuote allow you to discover window replacement contractors of the needed specialty online.
Are passive house windows worth the investment?
A passive house is a type of ecological residential building that meets the rigorous standards for energy efficiency, requiring little energy for heating and cooling the interior. Passive homes are equipped with energy-saving doors and windows that reduce the amount of heat escaping, boost the gain of solar radiation, and reduce glare. These homes are green and comfortable to live in as they keep a stable temperature 365 days a year and block maximum outside noises.
Passive house windows feature a balance between solar heat gain and loss, helping to keep the lowest energy consumption under different conditions. Window contractors in St. Joseph recommend buying units with the highest U-factor as they transfer more heat using the sun's natural power and keep a home warm in the winter. Besides, professional window companies recommend considering energy certification and rating when searching for the best window for their homes. Units with an A rating have the maximum efficiency compared to B and C ones, saving up to 18% of the heating and cooling costs.
Wondering whether energy-saving windows installation in St. Joseph, MO, will bring financial rewards? The simple answer is yes. If your current windows are single-paned or have ineffective or non-existent insulation around the framing, you will feel the immediate difference in performance, replacing them with energy-saving units. Besides, the efficiency of your new home windows will be reflected in lower utility bills. Increased property value is another advantage of installing energy-efficient windows highlighted by window contractors in St. Joseph. A set of wooden or vinyl window units could add as much as $12.000 to your home's price, meaning you will most likely repay your initial investment.
Besides lowering the overall energy consumption and raising the home's value, installing energy-efficient windows brings the following advantages:
- Little to no condensation
- Increased comfort
- Complete noise reduction
- Improved air quality
- Interior temperature control
- Optimized spending on utilities
- Greater durability
If you're now convinced about the feasibility of installing Energy Star windows, check offers from top-rated nationwide manufacturers before installation. Not all window units of this type are made the same. That is why it makes sense to consult a dedicated professional before ordering new pricy units. A window replacement contractor will help you make a choice based on your location, climate zone, as well as the age and style of your home.
What is the cost of energy-saving windows replacement in St. Joseph, MO ?
Well-insulated windows with double or triple glazing and low emissivity glass are a good investment for many homeowners. They not only help to skimp on electricity but also reduce the need to buy high-power heating and cooling systems.
If you seek to buy energy-saving windows in St. Joseph, be ready to pay from $470 to $1.420 for a unit. Their price may vary depending on the type, size, frame material, glass coating, and fill gas. And because Energy Star-certified windows are installed ONLY by accredited professionals, an additional $290 - $780 (or about $45 per hour) of your budget should be allocated for labor. A more precise price quote for your project can be given after discussing its critical details, like the number and size of windows to replace. Offers provided to you by local window professionals before scrutinizing all project details are preliminary. However, you can also find an advantage in comparing them. For example, they reveal insights into the average local labor costs and help plan the windows replacement budget.
When you use our online service to search for the best window companies in St. Joseph , MO, you skip the need to reach out to every window replacement contractor individually to get quotes and schedule an appointment. HomeQuote provides full support at every stage of hiring a local window professional. We cooperate with accredited contractors and connect you with them automatically based on your needs, budget, and project timeframe. Thanks to our user-friendly service, you can match their window replacement quotes in real time without hassle. We provide our services free of charge with no hidden fees.
Entrust us with your window replacement in St. Joseph, MO, to enjoy ultimate service and budget-saving rates. We won't let you down.


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Your TV, radio and internets are being bombarded with Year In Review posts and specials as I type this. Well, guess what? It's no different here at Ladies… We took a few moments this week to reflect on our favourite memories of this past year. Some will be hilariously obvious, others may surprise you. All of them will make you warm and fuzzy, like a delicious flute of champagne.
Personally, my favorite moment goes back an entire year to January 1, 2011 when the Caps beat the penguins in the Winter Classic. As a Caps season ticket holder, I was able to purchase seats. The rain did not bother us one bit, in fact it was appreciated. The forecast of rain caused officials to push back the start time and let us recover from New Year's Eve. Watching hockey outdoors, in a football stadium, under the lights was an experience I would never trade. The Caps beating the Pens 3-1 was icing on the cake!
Other than that, there weren't many highlights for this Maryland/DC/Baltimore sports fan. I suppose watching the Ravens cream the Steelers twice this season was pretty awesome (are you sensing a theme?) and the Orioles beating the Red Sox the last game of the year to keep them from the postseason was also pretty cool. That O's win was pretty spectacular for us fans, and the team seemed pretty pleased. It was a nice respite from another losing season.
Here's the thing: It's been a really good time to be a Wisconsin sports fan. We've had a good run. It started with the Badgers being in the Rose Bowl. It sucked that they lost, but it was awesome that I got to be there.
Obviously the Packers winning the Super Bowl was big. The Packers' run this season is also pretty good.
The Brewers winning the NL Central and then winning the NLDS in extra innings in game 5 (and being there to witness it in person) was probably the biggest moment for me. The whole playoff run was awesome and I was totally privileged to have a full set of postseason tickets (thanks boyfriend!)
Prince hitting what became the game-winning home run in the All-Star Game was pretty cool. I know it's in "possibly tainted," but pending further information, it's big that Ryan Braun won the NL MVP.
I was at the Wisconsin/Penn State football game where the Badgers clinched the Leaders Division and a berth into the first ever Big Ten Championship game. Now the Badgers are back in the Rose Bowl.
I'm not joking – it's been a good run for Wisconsin sports fans.
Miss Minda
My favorite sports moment of the year was probably when my hometown Omaha Storm Chasers (the AAA team of the Royals) won the Pacific Coast League championship. The game was on the road, so the team hosted a watch party at an Omaha bar, and it was packed even though it was a weeknight. The game was broadcast over the Internet, and the bar put it on almost every screen in the place. The whole front office staff was there, and provided a stadium atmosphere, complete with our usual emcee, everyone singing 'Take Me Out to the Ballgame' at stretch time, and chants and cheers as the Chasers got closer to victory.
When the final out was made, champagne bottles were popped and sprayed everywhere, and since I was taking pics with a team-owned camera, I had to be kind of careful to not get soaked…to no avail. I was still finding champagne spots on my black boots a month later! It was an unusual experience but the staff and hardcore fans made it one I will never forget!
Games Mistress
I think it's pretty obvious what my general favorite sports moment was. The Cardinals' entire postseason was pretty incredible, really, and Carpenter's complete game shutout in Game 5 of the NLDS (outdueling Halladay of all people) was almost my favorite — and might have remained so had Game 6 of the World Series not happened. If there was one game that was a microcosm of the Cardinals series and their propensity for ruining the cardiac health of their fanbase, it was that game. But the best part was that, late in the 11th inning, when the Cardinals had already rallied from their last strike twice, my boyfriend sent me the video of "I Need a Hero" from Footloose as a joke. As I pressed play, David Freese came up to bat and promptly sent the ball over the fence. That one's going to be hard to top for a while.
Lady Bee
I didn't get out to see any live professional sports this year – too busy graduating from university (finally!), settling into a new job and spending my hard-earned bucks seeing U2 not just once but twice (related: 2011 was the year I fell in love with Arcade Fire). That's not to say I didn't have a few favourite moments:
1) Green Bay's Super Bowl win
Sadly, I missed seeing this live on MLB.TV because I was in Montreal for U2 Concert #1. But I can't complain. I witnessed the hit in which he passes Gehrig in person, for heaven's sake (I won't link it here. You've heard me go on about it on the blog enough.) Regardless, the milestone is simply amazeballs. I just hope he got a great gift basket for the accomplishment.
3) Boston winning in 1st Stanley Cup in 39 years.
I couldn't help but get behind the Bruins in the Stanley Cup Final – I was surrounded by Canucks fans by the bandwagon full and I knew so many diehard Bruins fans who had waited decades for this. And Tim Thomas. We've talked about this.
The Bruins' triumph was sadly overshadowed by an extremely ugly riot in Vancouver that essentially sent the nation into a shame spiral. But something special emerged from that awful event that still makes me proud. I was especially stoked when days later, I saw TV footage of friends of mine handing out Timbits and hugs to strangers on a Vancouver street corner in an effort to demonstrate the city's true nature.
I remember this past winter, when one of my dearest friends – a Red Sox fan – drove me bananas with jeers about how the Yankees had completely lost their minds signing Colon (and for that matter, Andruw Jones). I wasn't worried about the move – he had to earn a spot on the roster first. It was a low cost, low risk move that turned into a nice surprise. When my pitcher boyfriend Phil Hughes struggled, it was Colon who stepped up. And he was terrific! Sadly, he wasn't the same after his hammy injury but still managed a 4.00 ERA over 29 games, including 26 starts, and 135 strikeouts. It's doubtful the Yankees will call him back, which is unfortunate. I like proving Red Sox fans wrong. I like a comeback story even more.
On behalf of the Ladies…, thank YOU for reading this modest little blog, for your comments and for your continued devotion. You make it worth the late nights we're at the keyboard, and we wish you health, happiness and peace in 2012.

subset: commoncrawl


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Recession may have boosted teens' social consciousness
(HealthDay)—Concern for other people and the environment rose among American teens during the recent recession, a new study indicates.
Researchers analyzed data collected from high school seniors between 1976 and 2010, and found that concern for others declined significantly between the mid-1970s and 2004-2006, and then climbed during the 2008-2010 recession.
Along with greater concern for others, students who graduated during the recession also had more interest in social issues, in saving energy and in protecting the environment, the psychologists at San Diego State University (SDSU) and University of California, Los Angeles (UCLA) found.
For example, 63 percent of recession-era high school seniors said they made an effort to turn down the heat at home to save energy, compared to 55 percent before the recession. Thirty percent of recession-era 12th graders said they thought often about social problems, compared to 26 percent before the recession, the investigators found. During the recession, 36 percent of high school seniors said they would be willing to use a bicycle or mass transit to get to work, up from 28 percent before the recession.
"Although young people's concern for others and for the environment is still lower than it was in the 1970s, the recession has apparently led youth to focus more on others compared to the economic boom times of the mid-2000s," Jean Twenge, a professor of psychology at SDSU, said in a university news release.
"Amidst all of the suffering caused by the recession, there may be positive benefits to society if more Americans are looking outside themselves," Twenge added.
And according to Patricia Greenfield, a psychology professor at UCLA, "This is the silver lining of the Great Recession."
Greenfield noted in the news release, "These findings are consistent with my theory that fewer economic resources lead to more concern for others and the community. It is a change very much needed by our society."
The study was published July 11 in the journal Social Psychological and Personality Science.
More information: The Nemours Foundation offers a family guide to getting involved in the community.
Health News Copyright © 2013 HealthDay. All rights reserved.


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December 10, 2013 US President Barack Obama delivers a speech next to sign language interpreter, Thamsanqa Jantjie (R) during the memorial service for late South African President Nelson Mandela at Soccer City Stadium in Johannesburg.
JOHANNESBURG - The man accused of faking sign-language while standing alongside world leaders like U.S. President Barack Obama at Nelson Mandela&39;s memorial service said Thursday he saw "angels" at the event, has been violent in the past and suffers from schizophrenia.
Thamsanqa Jantjie said in a 45-minute interview with The Associated Press that his hallucinations began while he was interpreting and that he tried not to panic because there were "armed policemen around me."
He added that he was once hospitalized in a mental health facility for more than one year.
Jantjie, who stood gesticulating 3 feet (1 meter) from Obama and others who spoke at Tuesday&39;s ceremony that was broadcast around the world, insisted that he was doing proper sign-language interpretation of the speeches of world leaders.
But he also apologized for his performance that has been dismissed by many sign-language experts as gibberish.
"I would like to tell everybody that if I&39;ve offended anyone, please, forgive me," Jantjie said in his concrete home in a low-income Johannesburg neighborhood. "But what I was doing, I was doing what I believe is my calling, I was doing what I believe makes a difference."
The statements by Jantjie raise serious security issues for Obama, other heads of state and U.N. Secretary-General Ban Ki-moon who made speeches at FNB Stadium in Soweto.
"What happened that day, I see angels come to the stadium ... I start realizing that the problem is here. And the problem, I don&39;t know the attack of this problem, how will it comes. Sometimes I react violent on that place. Sometimes I will see things that chase me," Jantjie said.
"I was in a very difficult position," he added. "And remember those people, the president and everyone, they were armed, there was armed police around me. If I start panicking I&39;ll start being a problem. I have to deal with this in a manner so that I mustn&39;t embarrass my country."
Asked how often he had become violent, he said "a lot" while declining to provide details.
Jantjie said he was due on the day of the ceremony to get a regular six-month mental health checkup to determine whether the medication he takes was working, whether it needed to be changed or whether he needed to be kept at a mental health facility for treatment.
He said he did not tell the company that contracted him for the event for about $85 (R880) that he was due for the checkup, but said the owner of SA Interpreters in Johannesburg was aware of his condition.
AP journalists who visited the address of the company that Jantjie provided found a different company there where managers said they knew nothing about SA Interpreters.
A woman answered the phone at a number that Jantjie provided and said it was not for the company, and another phone number went to a voicemail that did not identify the person or company with the number.
Jantjie said he received one year of sign language interpretation at a school in Cape Town, and insisted that he has previously interpreted at many events without anyone complaining.
The AP showed Jantjie video footage of him interpreting on stage at the Mandela memorial service.
"I don&39;t remember any of this at all," he said.


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Where I came from Over a year ago I made one of the biggest decisions of my life. I packed up all my worldly belongings and moved to San Diego to begin working full-time for a small biotech startup. This … Continue reading


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Police investigating complaints of sexual abuse in the Church of England have arrested a former bishop and "loyal friend" of Prince Charles.
The Rt Rev Peter Ball, 80, was detained at his home on suspicion of abusing eight boys and men ranging in age from 12 to their early twenties.
The alleged incidents are thought to have taken place during the late 1980s and early 1990s at addresses in East Sussex and elsewhere.
Ball, the former Bishop of Lewes and Gloucester, was arrested following a "comprehensive" three-month investigation into the Chichester Diocese.
The intelligence contained "reviews of church files relating to certain child safeguarding issues within the Chichester diocese from between 20 and 25 years ago".
They also reviewed internal church files containing details of clergymen's careers in the diocese, including Ball's.
Detective Chief Inspector Carwyn Hughes of Sussex Police, who is in charge of the investigation, said; "We make it clear that the force will always take seriously any allegations of historic sexual offending, and every possible step will be taken to investigate whenever appropriate.
"Allegations of historic offences are treated just as seriously as any more recent offences."
Ball, of Langport, Somerset, resigned as Bishop in 1993, only two years after he was appointed.
He quit after receiving a police caution for committing an act of gross indecency against a trainee teenage monk.
Shortly afterwards he was given sanctuary by the Prince of Wales who personally invited him to live in Manor Lodge, in the village of Aller, Somerset, a Duchy of Cornwall property.
But it is thought after living in the property for more than a decade he moved to another house in the same village last year.
Ball, who has previously described the Prince as "a loyal friend", is thought to be the most senior member of the Church of England to be arrested after investigations started.
Speaking at the time he was given the house, Ball said: "He [The Prince of Wales] has been wonderfully kind and allowed me to have a duchy house.
"The prince is a loyal friend. I have immense admiration for him, he has been through horrific times and is a great person."
Sussex Police said another unnamed 67-year-old retired priest, was also detained at his home this morning near Haywards Heath, West Sussex, on suspicion of separate sex offences against two teenage boys in East Sussex between 1981 and 1983.
They added that: "There are no allegations of recent or current offending and police emphasise that there is nothing to suggest that any young people are currently at risk.
"Police also stress that the allegations are being treated separately and do not involve the two men allegedly acting together."
A Sussex Police spokesman said Bishop Ball, and the unnamed man were currently in custody pending interview and further inquiries.


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Privacy. Your privacy and the protection of your data are very important to us. Legal.io works with Stripe to provide the Legal.io Payments service, and both Legal.io and Stripe may collect or receive certain personal data about you and your customers. For more information about Legal.io's privacy practices, you should review our Privacy Policy and for more information about Stripe's privacy practices, you should review https://stripe.com/us/privacy . Reviewing these policies will help you understand how we collect, use and safeguard the information you provide to us.
Privacy of Others. You represent to us that you are in compliance with all applicable privacy laws, you have obtained all necessary rights and consents under applicable law to disclose to us, or allow Legal.io or Stripe to collect, use, retain and disclose any Cardholder Data that you provide to us or authorize us to collect, including information that we may collect directly from your end users via cookies or other means, and that we will not be in breach of any such laws by collecting, receiving, using and disclosing such information in connection with the Service. As between the parties to this Agreement, you are solely responsible for disclosing to your customers that we are processing credit card transactions for you and obtaining Data from such customers. We will provide some or all of the Service from systems located within the United States or countries outside of the United States. As such, it is your obligation to disclose to your customers that Cardholder Data may be transferred, processed and stored outside of the United States and, as set forth in our Privacy Policy, may be subject to disclosure as required by applicable law.If you receive information about others, including Cardholders, through the use of the Service, you must keep such information confidential and only use it in connection with the Service.You may not disclose or distribute any such information to a third party or use any such information for marketing purposes unless you receive the express consent of the user to do so. You may not disclose card numbers to any third party, other than in connection with processing a card transaction requested by the buyer customer.
Restricted Use. You are required to obey all laws, rules, and regulations applicable to your use of the Service (for example, those governing financial services, consumer protections, unfair competition, anti-discrimination or false advertising). In addition to any other requirements or restrictions set forth in this Agreement, you shall not: (i) utilize the credit available on any Card to provide cash advances to Cardholders,(ii) submit any card transaction for processing that does not arise from your sale of goods or service to a buyer customer, (iii) act as a payment intermediary or aggregator or otherwise resell our services on behalf of any third party, (iv) send what you believe to be potentially fraudulent authorizations or fraudulent card transaction, or (v) use your Service Account or the Service in a manner that Visa, MasterCard, American Express, Discover or any other Payment Network reasonably believes to be an abuse of the Payment Network or a violation of Payment Network rules.You further agree not to, nor to permit any third party to, do any of the following: (i) access or attempt to access our systems, programs or data that are not made available for public use: (ii) copy, reproduce, republish, upload, post, transmit, resell or distribute in any way material from us; (iii) permit any third party to use and benefit from the Service via a rental, lease, timesharing, service bureau or other arrangement; (iv) transfer any rights granted to you under this Agreement; (v) work around any of the technical limitations of the Service, use any tool to enable features or functionalities that are otherwise disabled in the Service, or decompile, disassemble or otherwise reverse engineer the Service, except to the extent that such restriction is expressly prohibited by law; (vi) perform or attempt to perform any actions that would interfere with the proper working of the Service, prevent access to or use of the Service by our other users, or impose an unreasonable or disproportionately large load on our infrastructure; or (vii) otherwise use the Service except as expressly allowed under this section.
Suspicion of Unauthorized or Illegal Use. We reserve the right to not authorize or settle any transaction you submit which we believe is in violation of this Agreement, any other Legal.io or Stripe agreement, or exposes you, other Legal.io Payments users, our processors or Legal.io or Stripe to harm, including but not limited to fraud and other criminal acts. You are hereby granting us authorization to share information with law enforcement about you, your transactions, or your Service Account if we reasonably suspect that your Service Account has been used for an unauthorized, illegal, or criminal purpose.
Payment Network Rules. The Payment Networks have established guidelines, bylaws, rules, and regulations ("Payment Network Rules"). You are required to comply with all Payment Network Rules that are applicable to merchants. You can review portions of the Payment Network rules at Visa and MasterCard. The Payment Networks reserve the right to amend the Payment Network Rules. Stripe, acting on behalf of Legal.io, reserves the right to amend the Agreement at any time with notice to you as necessary to comply with Network Rules or otherwise address changes in the Service.
Disclosures and Notices. You agree that Legal.io can provide disclosures and notices, including tax forms such as the IRS form 1099-K, regarding the Service to you by posting such disclosures and notices on our website, emailing them to the email address listed in your Service Account, or mailing them to the address listed in your Service Account. You also agree that electronic disclosures and notices have the same meaning and effect as if we had provided you with a paper copy. Such disclosures and notices shall be considered to be received by you within 24 hours of the time it is posted to our website or emailed to you unless we receive notice that the email was not delivered.
B. Getting a Service Account
Registration. The Service is only made available to persons in the United States that operate a business selling goods and services, and the Service is not made available to persons to accept card payments for personal, family or household purposes. To use Legal.io Payments for your business, you will first have to register for a Legal.io Payments service account ("Service Account"). When you register for a Service Account, we will collect basic information including your name, company name, location, email address, tax identification number and phone number.You may choose to register as an individual (sole proprietor) or as a company or other business organization. If you register as a company or business, you must also provide information about an owner or principal of the business and you must be authorized to act on behalf of the business and have the authority to bind the business to this Agreement. In order to sign up a business to use the Service, you must agree to this Agreement on behalf of the business. If you have so agreed, the term "you" will mean you, the natural person, as well as the business you represent. You understand that by registering for a Service Account, you may also be registering for a Stripe Account, and that information you provide to Legal.io Payments for the purpose of opening a Service Account may be provided to Stripe for the purpose of establishing your Stripe Account.
Company Descriptions and Site URL. As part of your registration, you must provide the name under which you do business (which may be the business's legal name or a "doing business name") (e.g. Be Legal), and a billing descriptor. These two fields and your site URL (eg. www.be.legal may appear in your customers' credit or debit card statements. To avoid customer confusion and transaction disputes, it is important that you enter a description that clearly identifies your business. You agree to indemnify us from any costs from disputes due to your failure to do so.
Verification and Underwriting. To verify your identity, we will require additional information including your business EIN or Tax ID, social security number, and date of birth. We may also ask for additional information to help verify your identity and assess your business risk including business invoices, reseller authorization or distributor information, a driver's license or other government issued identification, or a business license. We may ask you for financial statements. We may request your permission to do a physical inspection at your place of business and to examine books and records that pertain to your compliance with this Agreement. Your failure to comply with any of these requests within five (5) days may result in suspension or termination of your Service Account. You authorize us to retrieve additional information about you from third parties and other identification services. Legal.io may use your information to apply for card merchant acquiring accounts on your behalf with certain Payment Networks (such as American Express).
After we have collected and verified all your information, Legal.io will review your account and determine if you are eligible to use the Service. Legal.io may also share your information with our payment processors (such as Wells Fargo), each of which may also make a determination regarding your eligibility. We will notify you once your account has been either approved or deemed ineligible for use of the Service.
By accepting the terms of this Agreement, you are providing us with authorization to retrieve information about you by using third parties, including credit bureaus and other information providers. You acknowledge that such information retrieved may include your name, address history, credit history, and other data about you. We may periodically update this information to determine whether you continue to meet the eligibility requirements for a Service Account.
You agree that Legal.io is permitted to contact and share information about you and your application (including whether you are approved or declined), and your Service Account with the payment processor, including Wells Fargo. This includes sharing information (a) about your transactions for regulatory or compliance purposes, (b) for use in connection with the management and maintenance of the Service, (c) to create and update their customer records about you and to assist them in better serving you, and (d) to conduct Legal.io's risk management process.
Service Account - US only. By registering for a Service Account, you are confirming to be either a legal resident of the United States, a United States citizen or a business entity authorized to conduct business by the state in which you operate. The Service and your Service Account may only be used in the fifty states of the United States of America and the District of Columbia. You may not export the Service directly or indirectly, and you acknowledge that the Service may be subject to export restrictions imposed by US law, including US Export Administration Regulations (15 C.F.R. Chapter VII).By accepting this Agreement you confirm that you will satisfy these requirements.
Prohibited Businesses. There are certain categories of businesses and business practices for which the Services cannot be used ("Prohibited Businesses"). Many of these Prohibited Business categories are imposed by Card Network rules or the requirements of banking providers or processors. A list is maintained here: Prohibited Businesses
By registering a Service Account, you confirm that you will not use the Services in connection with any of the Prohibited Businesses. If you are uncertain as to whether a business is a Prohibited Business, or have questions about how these requirements apply to your business, please contact us.By accepting this Agreement you confirm that you will satisfy these requirements and will continue to do so in connection with your use of the Service.
C. Processing Card Transactions and Receiving Your Funds
Processing Card Transactions. You agree that you will honor all eligible cards presented for payment by your customers for your goods and services in accordance with the Payment Network rules, this Agreement and any operating guides that we may provide you from time to time. You agree that you will obtain an authorization from the Payment Network(s) for each card transaction, as required under the Payment Network rules, and will not submit a card transaction for settlement where there is a negative authorization or the card is otherwise expired. You acknowledge that the existence of an affirmative authorization from us or the Payment Networks does not mean that a particular card transaction will not be subject to Chargeback, Reversal or Claim at a later date.You will not impose any fee or surcharge on a customer that seeks to use an eligible payment card. You will provide a receipt to the customer at the conclusion of the purchase transaction that includes all information required under Payment Network rules and applicable law.You will display all Payment Network marks in accordance with the rules and procedures of the Payment Networks, and will use such marks only to indicate that you accept their cards for payment.
Payouts and Transaction History. We will pay out funds settling from the Payment Networks to your designated bank settlement account in the amounts actually received (less our Fees as defined below) for card transactions submitted to our Service. The payouts will be made to the bank account ("Bank Account") you provide for your Service Account. The Bank Account must be an account located at a bank in the United States and held in the name of the business. You are responsible for the accuracy and correctness of information regarding your Bank Account. Funds for any given transaction will not be transferred to your Bank Account until the transaction is deemed complete. Transactions will be deemed complete when we have received funds settling from the Payment Networks and when we or our processing financial institutions have accepted such funds. The actual timing of the transfers to your Bank Account of the settling funds will be subject to the Payout Schedule as defined below.Notwithstanding the foregoing, you acknowledge that all credits for funds provided to you are provisional and subject to reversal including without limitation if there are adjustments for inaccuracies and errors (including rejects) and Chargebacks, Reversals or Claims in accordance with this Agreement and the Card Network payment rules, whether or not a transaction is charged back by the issuer of the Card or the Cardholder. Accordingly, you authorize us to initiate reversal or adjustment (debit or credit) entries to the Bank Account and to initiate or suspend such entries in accordance with this Agreement as may be necessary to grant or reverse provisional credit for any transaction.After each payout of card settlement funds to your Bank Account, we will update information in your Service Account to reflect settlement. Information regarding your card transactions processed and settled with the Services ("Transaction History") will be available to you when you login to our website using your Service Account. While we will provide access to a Transaction History on our website, except as required by law, you are solely responsible for compiling and retaining permanent records of all transactions and other data associated with your Service Account, your Transaction History and your use of the Service.
Payout Schedule. Payout schedule refers to the time it takes for us to initiate a transfer to your Bank Account of settlement funds arising from card transactions processed through the Service ("Payout Schedule"). Once your bank account information has been reviewed, Stripe, on behalf of Legal.io, will initiate transfer of settlement funds (net of Fees, Chargebacks, and other funds owed to us for any reason) in accordance with the Payout Schedule, the terms of which will be made available to you when you login to our website using your Service Account. The settlement funds should normally be credited to your Bank Account within 1-2 days of us initiating the payout. We are not responsible for any action taken by the institution holding your Bank Account that may result in some or all of the funds not being credited to your Bank Account or not being made available to you in your Bank Account.
Stripe, on behalf of Legal.io and/or Wells Fargo reserves the right to change the Payout Schedule or suspend payouts to your Bank Account should we determine it is necessary due to pending disputes, excessive or anticipated excessive Chargebacks or refunds, or other suspicious activity associated with your use of the Service or if required by law or court order.
Reconciliations and Errors. Your Transaction History will be available to you when you login to our website using your Service Account. Except as required by law, you are solely responsible for reconciling your Transaction History with your actual card payment transactions. You agree to notify us of any discrepancies arising from such reconciliation and verification. We will investigate any reported discrepancies and attempt to rectify any errors that you or we discover. In the event you are owed money as a result of the discrepancy, we will transfer funds to your Bank Account in the next scheduled payout. Your failure to notify us of an error or discrepancy in your Transaction History within sixty (60) days of when it first appears on your Transaction History will be deemed a waiver of any right to amounts owed to you in connection with any such error or discrepancy in processing your card payments.If you submit or cause us to process transactions erroneously, you agree to contact us immediately. We will investigate any reported errors and attempt to rectify any errors that you or we discover by crediting or debiting your Service Account as appropriate. Legal.io will only correct transactions that you process incorrectly if and when you notify us of such an error. Your failure to notify us of a processing error within thirty (30) days of when it first appears on your electronic transaction history will be deemed a waiver of any right to amounts owed to you.
Refunds and Returns. By accepting these terms of service, you agree to submit any and all refunds and adjustments for returns of your products and services through the Service to the Cardholder's card in accordance with the terms of this Agreement and Payment Network Rules. Payment Network Rules require that you will (i) maintain a fair return, cancellation or adjustment policy; (ii) disclose your return or cancellation policy to customers at the time of purchase, (iii) not give cash refunds to a customer in connection with a Card sale, unless required by law, and (iv) not accept cash or any other item of value for preparing a Card sale refund.
Full refunds must be for the exact dollar amount of the original transaction including tax, handling charges, and other charges. The refund amount may not exceed the original sale amount except by an amount equal to any reimbursements to customer for postage costs incurred for product returns. Refunds processed though the Service must be submitted within sixty (60) days of the original transaction but in all cases, within three (3) days of approving the Cardholder refund.
For processed refunds, we, will deduct the refund amount (including any applicable Fees) from (i) settlement funds owed to you from processing of other card transactions, or (ii) funds in any Reserve Account (as defined below). If these funds are not sufficient, you authorize us, to initiate an ACH debit entry to your Bank Account in the amount necessary to complete the refund transaction to the Cardholder's card. In the event we cannot access your Bank Account by means of ACH debit entry, you agree to pay all funds owed to us upon demand. You are solely responsible for accepting and processing returns of your products and services; we have no responsibility or obligation for processing such returns.
Chargebacks. A Chargeback (defined below in Section D(6)) is typically caused when a customer disputes a charge that appears on their bill. A Chargeback may result in the reversal of a transaction, with the amount charged back to you. You can be assessed Chargebacks for: (i) customer disputes, (ii) unauthorized or improperly authorized transactions, or (iii) transactions that do not comply with Payment Network Rules or the terms of this Agreement or are allegedly unlawful or suspicious, or (iv) any reversals for any reason by the Network, our processor or acquiring bank, or the Cardholder's card issuing financial institution.When a Chargeback is issued, you are immediately liable to Legal.io for the full amount of payment of the Chargeback plus any associated Fees, fines, expenses or penalties (including those assessed by the Payment Networks or our payment processors). You agree that we may recover these amounts by means of ACH debit of your Bank Account associated with your Service Account, debiting your Reserve Account, or setting off any amounts owed to you by us. If we are unable to recover funds related to a Chargeback for which you are liable, you will pay us the full amount of the Chargeback immediately upon demand. You agree to pay all costs and expenses, including without limitation attorneys' fees and other legal expenses, incurred by or on behalf of us in connection with the collection of any unpaid Chargebacks unpaid by you.Further, if we reasonably believe that a Chargeback is likely with respect to any transaction, we may withhold the amount of the potential Chargeback from payments otherwise due to you under this Agreement until such time that: (a) a Chargeback is assessed due to a customer's complaint, in which case we will retain the funds; (b) the period of time under applicable law or regulation by which the customer may dispute that the transaction has expired; or (c) we determine that a Chargeback on the transaction will not occur.
Contesting your Chargebacks. You or Legal.io may elect to contest Chargebacks assessed to your account. Legal.io may provide you with assistance including notifications and software to help contest your Chargebacks. We do not assume any liability for our role or assistance in contesting Chargebacks.You agree to provide us with the necessary information, in a timely manner and at your expense, to investigate or help resolve any Chargeback. You also grant us permission to share records or other information required with the Cardholder, the Cardholder's financial institution, and your financial institution to help resolve any disputes. You acknowledge that your failure to provide us with complete and accurate information in a timely manner may result in an irreversible Chargeback being assessed.If the Cardholder's issuing bank or the Payment Network does not resolve a dispute in your favor, we may recover the Chargeback amount and any associated fees from you as described in this Agreement.We reserve the right, upon notice to you, to charge a fee for mediating or investigating Chargeback disputes.
Excessive Chargebacks. At any point, Legal.io, Stripe, Wells Fargo, the Payment Networks, or our payment processor(s) may determine that you are incurring excessive Chargebacks. Excessive Chargebacks may result in additional fees, penalties, or fines. Excessive Chargebacks may also result in additional controls and restrictions to your use of the Service, including without limitation, (i) changes to the terms of your Reserve Account, (ii) increases to your applicable Fees, (iii) delays in your Payout Schedule, or (iv) possible suspension or termination of your Service Account and the Service. The Networks may also place additional controls or restrictions as part of their own monitoring programs for merchants with excessive Chargebacks.
Fees. You agree to pay the fees ("Fees") assessed by us to you for providing the payment services described in this Agreement. These fees will be calculated pursuant to the Fee Schedule incorporated into this Agreement.We reserve the right to revise our Fees at any time, subject to a thirty (30) day notice period to you.You acknowledge that you are also responsible for any penalties or fines imposed on us or directly on you by any Payment Network or financial institution as a result of your activities.
Our Collection Rights. To the extent permitted by law, we may collect any obligations you owe us under this Agreement by deducting the corresponding amounts from the Reserve Account or from funds payable to you arising from the settlement of card transactions. Fees will be assessed at the time a transaction is processed and will be first deducted from the funds received for such transactions. If the settlement amounts or Reserve Account are not sufficient to meet your obligations to us, we may charge or debit the bank account or credit card registered in your Service Account for any amounts owed to us. Your failure to fully pay amounts that you owe us on demand will be a breach of this Agreement. You will be liable for our costs associated with collection in addition to the amount owed, including without limitation attorneys' fees and expenses, costs of any arbitration or court proceeding, collection agency fees, and any applicable interest.Additionally, we may require a personal guaranty from a principal of a business for funds owed under this Agreement. If we require a personal guarantee we will specifically inform you in advance.In addition to the amount due, delinquent accounts may be charged with fees that are incidental to the collection of delinquent accounts and chargebacks including, but not limited to, collection fees and convenience fees and other third parties charges.You hereby explicitly agree that all communication in relation to delinquent accounts will be made by electronic mail or by phone, as provided to Legal.io by you. Such communication may be made by Legal.io or by anyone on its behalf, including but not limited to a third party collection agent.
Reserves. Funds held in reserves are amounts of money set aside to cover Chargebacks, refunds, or other payment obligations under this agreement (a "Reserve Account"). We, in our discretion, will set the terms of your Reserve Account and notify you of such terms, which may require that a certain amount (including the full amount) of the funds received for your transaction is held for a period of time or that additional amounts are held in the Reserve Account. We, in our discretion, may elect to change the terms of the Reserve Account at any time for any reason based on your payment processing history or as requested by our payment processors.We may require you to fund the Reserve Account by means of: (i) any funds payouts made or due to you for card transactions submitted to the Service, or, or (ii) amounts available in your Bank Account by means of ACH debit to that Bank Account, or (iv) other sources of funds associated with your Service Account; or (iv) requesting that you provide funds to us for deposit to the Reserve Account.You agree that you are not entitled to any interest or other compensation associated with the funds held in the Reserve Account, that you have no right to direct that account, that you have no legal interest in those funds or that account and that you may not assign any interest in those funds or that account.
Security Interest. You grant us a lien and security interest in the Reserve Account, all Card transactions (including future Card transactions), any rights to receive credits or payments under this Agreement, and all deposits and other property of yours possessed or maintained by us on your behalf. You will execute, deliver, and pay the fees for any documents we request to create, perfect, maintain and enforce this security interest.
D. Termination and Other General Legal Terms
Term. The Agreement is effective upon the date you agree to it (by electronically indicating acceptance) and continues so long as you use the Service or until terminated by Legal.io, Stripe, or Wells Fargo.
Termination. You may terminate this Agreement by de-activating your Service Account at any time by following the instructions on our website in your Account Profile. If you deactivate your Service Account, you may re-activate your Service Account at any time by following the instructions on our website and agreeing to the Payments Terms of Service. We may terminate this Agreement and close your Service Account at any time for any reason effective upon providing you notice in accordance with Section A16 above. We may suspend your Service Account and your access to the Service and any funds in your Service Account, or terminate this Agreement, if (i) we determine in our sole discretion that you are ineligible for the Service because of the risk associated with your Service Account, including without limitation significant credit or fraud risk, or for any other reason; or (ii) you do not comply with any of the provisions of this Agreement, (iii) upon request of an Organization or the a card issuer. Termination of your Service Account does not terminate your separate account with Stripe or the Legal.io Merchant Agreement.
Effects of Termination. Upon termination and closing of your Service Account, we will immediately discontinue your access to the Service. You agree to complete all pending transactions, immediately remove all logos for Cards, and stop accepting new transactions through the Service. You will not be refunded the remainder of any fees that you have paid for the Service if your access to or use of the Service is terminated or suspended. Any funds in our custody will be paid out to you subject to the terms of your payout schedule.Termination does not relieve you of your obligations as defined in this Agreement and we may elect to continue to hold any funds deemed necessary pending resolution of any other terms or obligations defined in this Agreement, including but not limited to Chargebacks, Fees, Refunds, or other investigations or proceedings.Termination of this Agreement will not necessarily terminate your Legal.io Merchant Agreement, unless Legal.io informs you otherwise.Upon termination you agree: (i) to immediately cease your use of the Service (ii) to discontinue use of any Legal.io or Stripe trademarks and to immediately remove any Legal.io or Stripe references and logos from your Site (iii) that the license granted under this Agreement shall end, (iv) that we reserve the right (but have no obligation) to delete all of your information and account data stored on our servers, and (v) we will not be liable to you for compensation, reimbursement, or damages in connection with your use of the Service, or any termination or suspension of the Service or deletion of your information or account data.
Your License. We grant you a personal, limited, non-exclusive, revocable, non-transferable license, without the right to sublicense, to electronically access and use the Service solely to accept and receive payments and to manage the funds you so receive. The Service includes our website, any software, programs, documentation, tools, internet-based services, components, and any updates (including software maintenance, service information, help content, bug fixes or maintenance releases) thereto provided to you by us. You will be entitled to download updates to the Service, subject to any additional terms made known to you at that time, when we make these updates available.
Ownership. The Service is licensed and not sold. We reserve all rights not expressly granted to you in this Agreement. The Service is protected by copyright, trade secret and other intellectual property laws. We own the title, copyright and other worldwide Intellectual Property Rights (as defined below) in the Service and all copies of the Service. This Agreement does not grant you any rights to our trademarks or service marks.For the purposes of this Agreement, "Intellectual Property Rights" means all patent rights, copyright rights, mask work rights, moral rights, rights of publicity, trademark, trade dress and service mark rights, goodwill, trade secret rights and other intellectual property rights as may now exist or hereafter come into existence, and all applications therefore and registrations, renewals and extensions thereof, under the laws of any state, country, territory or other jurisdiction.You may choose to or we may invite you to submit comments or ideas about the Service, including without limitation about how to improve the Service or our products ("Ideas"). By submitting any Idea, you agree that your disclosure is gratuitous, unsolicited and without restriction and will not place us under any fiduciary or other obligation, and that we are free to use the Idea without any additional compensation to you, and/or to disclose the Idea on a non-confidential basis or otherwise to anyone. You further acknowledge that, by acceptance of your submission, we do not waive any rights to use similar or related ideas previously known to us, or developed by our employees, or obtained from sources other than you.
Your Liability. You are responsible for all Reversals, Chargebacks, Claims, fines, fees, penalties and other liability arising out of or relating to your breach of this Agreement, and/or your use of the Service. You agree to reimburse your customer, Legal.io, Stripe, Wells Fargo and any third party designated by Legal.io, Stripe or Wells Fargo for any and all such liability. "Chargeback" means a request that a buyer customer files directly with his or her card company or card issuing bank to reverse or invalidate a processed payment. "Claim" means a challenge to a payment that you or a buyer customer files directly with Legal.io. "Reversal" means Legal.io or Stripe reverses the settlement of funds from a processed card transaction that you received because (a) the card transaction is invalidated by the card issuer, (b) the settlement funds were sent to you in error by (i) Legal.io, Stripe or Wells Fargo; (ii) the processors, suppliers or licensors of Legal.io, Stripe or Wells Fargo; or (iii) any of the respective affiliates, agents, directors and employees of any of the entities listed in (i) or (ii) above, (c) the sender of the payment did not have authorization to send the payment (for example: the buyer used a card that did not belong to the buyer), (d) you received the payment for activities that violated this Agreement or any other Legal.io or Stripe agreement, or (e) we decided a Claim against you.We will have the final decision-making authority with respect to Claims, including without limitation claims for refunds for purchased items that are filed with us by you or your customers. You will be required to reimburse us for your liability. Your liability will include the full purchase price of the item plus the original shipping cost (and in some cases you may not receive the item back). You will not receive a refund of any fees paid to us.Without limiting the foregoing, you agree to defend, indemnify, and hold harmless Legal.io, Stripe, Wells Fargo and their respective employees and agents (collectively "Disclaiming Entities") from and against any claim, suit, demand, loss, liability, damage, action or proceeding arising out of or relating to (i) your breach of any provision of this Agreement, and/or (ii) your use of the Service, including without limitation any Reversals, Chargebacks, Claims, fines, fees, penalties and attorneys' fees; (iii) your, or your employee's or agent's, negligence or willful misconduct; or (iv) third party indemnity obligations we incur as a direct or indirect result of your acts or omissions (including indemnification of any Payment Network or Issuer).If you are liable for any amounts owed to us, we may immediately remove such amounts from your Reserve Account and deduct the amounts owed to us from such Reserve Account funds. If you do not have sufficient funds in the Reserve Account to cover your liability, you will be required to immediately add additional funds to your Reserve Account to cover funds owed to us. If you do not do so, we may engage in collections efforts to recover such amounts from you at your cost and expense.
Representation and Warranties. You represent and warrant to us that: (a) you are at least eighteen (18) years of age; (b) you are eligible to register and use the Service and have the right, power, and ability to enter into and perform under this Agreement; (c) the name identified by you when you registered is your name or business name under which you sell goods and services; (d) any sales transaction submitted by you will represent a bona fide sale by you; (e) any sales transactions submitted by you will accurately describe the goods and/or services sold and delivered to a purchaser; (f) you will fulfill all of your obligations to each customer for which you submit a transaction and will resolve any consumer dispute or complaint directly with the purchaser; (g) you and all transactions initiated by you will comply with all federal, state, and local laws, rules, and regulations applicable to your business, including any applicable tax laws and regulations; (h) except in the ordinary course of business, no sales transaction submitted by you through the Service will represent a sale to any principal, partner, proprietor, or owner of your entity; (i) you will not use the Service, directly or indirectly, for any fraudulent undertaking or in any manner so as to interfere with the use of the Service.
No Warranties. THE SERVICE AND ALL ACCOMPANYING DOCUMENTATION ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES, EITHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. USE OF THE SERVICE IS AT YOUR OWN RISK.NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM OR THROUGH THE SERVICE OR FROM (I) LEGAL.IO, STRIPE OR WELLS FARGO; (II) THE PROCESSORS, SUPPLIERS OR LICENSORS OF LEGAL.IO, STRIPE OR WELLS FARGO; OR (III) ANY OF THE RESPECTIVE AFFILIATES, AGENTS, DIRECTORS AND EMPLOYEES OF ANY OF THE ENTITIES LISTED IN (I) OR (II) ABOVE (COLLECTIVELY, THE "DISCLAIMING ENTITIES" AND INDIVIDUALLY A "DISCLAIMING ENTITY"), WILL CREATE ANY WARRANTY. YOU SPECIFICALLY ACKNOWLEDGE THAT WE DO NOT HAVE ANY CONTROL OVER THE PRODUCTS OR SERVICES THAT ARE PAID FOR WITH THE SERVICES, AND WE CANNOT ENSURE THAT YOUR CUSTOMERS WILL COMPLETE A TRANSACTION OR ARE AUTHORIZED TO DO SO.WITHOUT LIMITING THE FOREGOING, THE DISCLAIMING ENTITIES DO NOT WARRANT THAT THE INFORMATION THEY PROVIDE OR THAT IS PROVIDED THROUGH THE SERVICE IS ACCURATE, RELIABLE OR CORRECT; THAT THE SERVICE WILL MEET YOUR REQUIREMENTS; THAT THE SERVICE WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, THAT THE SERVICE WILL FUNCTION IN AN UNINTERRUPTED MANNER OR BE SECURE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ANY SUBJECT MATTER DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DOWNLOADED AT YOUR OWN RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY OR LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD. THE DISCLAIMING ENTITIES MAKE NO REPRESENTATIONS OR WARRANTIES ABOUT HOW LONG WILL BE NEEDED TO COMPLETE THE PROCESSING OF A TRANSACTION.THE DISCLAIMING ENTITIES DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICE OR ANY HYPERLINKED WEBSITE OR SERVICE, OR FEATURED IN ANY BANNER OR OTHER ADVERTISING, AND NEITHER LEGAL.IO, STRIPE NOR WELLS FARGO WILL BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.
Limitation of Liability and Damages. IN NO EVENT SHALL A DISCLAIMING ENTITY (AS DEFINED IN SECTION 8 ABOVE) BE LIABLE FOR ANY LOST PROFITS, LOSS OF DATA, OR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES ARISING OUT OF, IN CONNECTION WITH OR RELATING TO THIS AGREEMENT OR THE SERVICES, INCLUDING WITHOUT LIMITATION THE USE OF, INABILITY TO USE, OR UNAVAILABILITY OF THE SERVICE. UNDER NO CIRCUMSTANCES WILL ANY OF THE DISCLAIMING ENTITIES (AS DEFINED IN SECTION 8 ABOVE) BE RESPONSIBLE FOR ANY DAMAGE, LOSS OR INJURY RESULTING FROM HACKING, TAMPERING OR OTHER UNAUTHORIZED ACCESS OR USE OF THE SERVICE OR YOUR SERVICE ACCOUNT OR THE INFORMATION CONTAINED THEREIN.THE DISCLAIMING ENTITIES ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (A) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO OR USE OF THE SERVICE; (B) ANY UNAUTHORIZED ACCESS TO OR USE OF SERVERS USED IN CONNECTION WITH THE SERVICES AND/OR ANY AND ALL PERSONAL INFORMATION STORED THEREIN; (C) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICE; (D) ANY SOFTWARE BUGS, VIRUSES, TROJAN HORSES, OR OTHER HARMFUL CODE THAT MAY BE TRANSMITTED TO OR THROUGH THE SERVICE; (E) ANY ERRORS, INACCURACIES OR OMISSIONS IN ANY CONTENT OR INFORMATION, FOR ANY LOSS OR DAMAGE INCURRED AS A RESULT OF THE USE OF ANY CONTENT OR INFORMATION, IN EACH CASE POSTED, EMAILED, STORED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE THROUGH THE SERVICE; AND/OR (F) USER CONTENT OR THE DEFAMATORY, OFFENSIVE, OR ILLEGAL CONDUCT OF ANY THIRD PARTY.WITHOUT LIMITING THE FOREGOING PROVISIONS OF THIS SECTION 9, THE DISCLAIMING ENTITIES' CUMULATIVE LIABILITY TO YOU SHALL BE LIMITED TO DIRECT DAMAGES AND IN ALL EVENTS SHALL NOT EXCEED IN THE AGGREGATE THE AMOUNT OF FEES PAID BY YOU TO LEGAL.IO DURING THE THREE (3) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM FOR LIABILITY.THIS LIMITATION OF LIABILITY SECTION APPLIES REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED, INCLUDING WITHOUT LIMITATION CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER BASIS. THE LIMITATIONS APPLY EVEN IF LEGAL.IO, STRIPE OR WELLS FARGO HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.THE PROVISIONS OF THIS SECTION 9 SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.The Service is controlled and operated from its facilities in the United States. We make no representations that the Service is appropriate or available for use in other locations. Those who access or use the Service from other jurisdictions do so at their own volition and are entirely responsible for compliance with all applicable United States, foreign and local laws and regulations, including but not limited to export and import regulations. You may not use the Service if you are a resident of a country embargoed by the United States, or are a foreign person or entity blocked or denied by the United States government. Unless otherwise explicitly stated, all materials found on the Service are solely directed to individuals, companies, or other entities located in the United States.
Disputes; Choice of Law; Jurisdiction and Venue. You agree that any disputes arising out of or relating to this Agreement or the Service shall be resolved in accordance with this Section 10.This Agreement is governed by the laws of the State of California (without regard to its choice of law provisions). The exclusive venue for any actions or claims arising under or related to this Agreement shall be in the appropriate state or federal court located in San Francisco County, California. ALL PARTIES IRREVOCABLY WAIVE ANY AND ALL RIGHTS THEY MAY HAVE TO A TRIAL BY JURY IN ANY JUDICIAL PROCEEDING INVOLVING ANY CLAIM RELATING TO OR ARISING UNDER THIS AGREEMENT. You and we each represent to the other that this waiver is knowingly, willingly and voluntarily given. Headings are included for convenience only, and shall not be considered in interpreting this Agreement. The Agreement does not limit any rights that we may have under trade secret, copyright, patent or other laws. Our failure to assert any right or provision under this Agreement shall not constitute a waiver of such right or provision. No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term.
Right to Amend. We have the right to change or add to the terms of this Agreement at any time, and to change, delete, discontinue, or impose conditions on any feature or aspect of the Service or software with notice that we in our sole discretion deem to be reasonable in the circumstances, including such notice on our website or any other website maintained or owned by us for the purposes of providing services in terms of this Agreement. Any use of the Service or software after our publication of any such changes shall constitute your acceptance of this Agreement as modified.
Assignment. This Agreement, and any rights and licenses granted hereunder, may not be transferred or assigned by you without our prior written consent, but may be assigned by us without consent or other restriction.
Change of Business. You agree to give us at least 30 days prior notification of your intent to change your current product or services types, your trade name or the manner in which you accept payment. You agree to provide us with prompt notification if you are the subject of any voluntary or involuntary bankruptcy or insolvency petition or proceeding. You also agree to promptly notify us of any adverse change in your financial condition, any planned or anticipated liquidation or substantial change in the basic nature of your business, any transfer or sale of 25% or more of your total assets or any change in the control or ownership of you or your parent entity. You will also notify us of any judgment, writ, warrant of attachment, execution or levy against 25% or more of your total assets not later than three days after you obtain knowledge of it.
Parties. This Agreement binds you and your respective heirs, representatives, and permitted and approved successors (including those by merger and acquisition) or any permitted assigns.
Third Party Services and Links to Other Web Sites. You may be offered services, products and promotions provided by third parties and not by us. If you decide to use these Third Party Services, you will be responsible for reviewing and understanding the terms and conditions associated with these services. You agree that we are not responsible for the performance of these services. The Legal.io website may contain links to third party websites as a convenience to you. The inclusion of any website link does imply an approval, endorsement, recommendation by us. You agree that you access any such website at your own risk, and that the site is not governed by the terms and conditions contained in this Agreement. We expressly disclaim any liability for these websites. Please remember that when you use a link to go from our website to another website, our Privacy Policy is no longer in effect. Your browsing and interaction on any other website, including those that have a link on our website, is subject to that website's own rules and policies.
Force Majeure. No party will be liable for delays in processing or other nonperformance caused by such events as fires, telecommunications failures, utility failures, power failures, equipment failures, labor strife, riots, war, terrorist attack, nonperformance of our vendors or suppliers, acts of God, or other causes over which the respective party has no reasonable control, except that nothing in this section will affect or excuse your liabilities and obligations under Section D6, including without limitation for Reversals, Chargebacks, Claims, fines, fees, refunds or unfulfilled products and services.
Entire Agreement; Remedies. These terms and conditions and all policies and procedures that are incorporated herein by reference constitute the entire agreement between you, Legal.io, Stripe and Wells Fargo with respect to the provision of the Service. In the event of a conflict between this Agreement and any other Legal.io or Stripe agreement or policy, this Agreement shall prevail on the subject matter of this Agreement. Except as expressly provided in this Agreement, these terms describe the entire liability of Legal.io, Stripe, Wells Fargo and our vendors and suppliers (including processors) and sets forth your exclusive remedies with respect to the Service and your access and use of the Service. If any provision of this Agreement (or portion thereof) is held to be invalid or unenforceable under applicable law, then it shall be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.This Agreement has been reviewed by you with the benefit of independent legal counsel to the extent you consider necessary and any rule of construction to the effect that ambiguities are to be resolved against the drafting party shall not apply to the construction or interpretation of this Agreement. The rights conferred upon us in this Agreement are not intended to be exclusive of each other or of any other rights and remedies we may have at law or in equity. Rather, each and every right we may have under this Agreement, at law or in equity is cumulative and concurrent and in addition to every other right.
Survival. In addition to any provision that is reasonably necessary to accomplish or enforce the purpose of this Agreement, the following sections of this Agreement survive and remain in effect in accordance with their terms upon the termination of this Agreement: Sections A(3), A(4), A(12), C(4), C(5),C(6),C(9), C(10),C(11), C(12), D(3), D(5), D(6), D(8), D(9), D(10), D(17), D(18) and D(19).
Organization Disclosure. The Wells Fargo mailing address is Wells Fargo Bank, 1200 Montego Way, Walnut Creek, CA 94598 and its phone number is 1-800-451-5817. Wells Fargo discloses that: (a) it is the only entity approved to extend acceptance of Organization products directly to you; (b) it must be a principal to this Agreement; (c) it is responsible for educating you on pertinent Payment Network rules with which you must comply, but this information may be provided to you by Legal.io or Stripe; (d) it is responsible for and must provide settlement funds to you; and (e) it is responsible for all funds held in reserve that are derived from settlement.


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Reign Man & Bruno Brinx 8 Minute Freestyle In Philly!
R reports "Reign Man killing it in Philly at Bartram villiage notorius Prjects with Bruno Brinx"
Please click the "Report" button below if the video on this page is not working properly.
Comments will only be displayed by verified emails. No Spamming or Racism.


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A sick seven-year-old has graced me with her full-day presence the past two days. Now, I'm behind on all things computer based, including email. I'm not complaining about the time spent with my little prolific reader. She's amazing. (That's Harry Potter and the Sorcerer's Stone.)
Of course, since I had no time to write during the days, The Muse picked that time to come calling. I'd been mulling over a short story idea for a while, but suddenly a few key pieces fell into place.
So the last two nights, when I disconnected and slipped some YoYo Ma cds in the player, the words flowed along with the notes. The first night I totaled 902 words. Last night I added 436 more.
I know some of you knock out more words than that daily, and I have too in the past, but I've had some trouble getting back in the groove. I'm please with my progress on this story. Whether this story will end up a winner is still open. As stubborn as I am, I won't give up on it easily.
By the way, I'm unclear on using a famous person in fiction. I'm using an actor's name and likeness, but he only exists in my MC's dreams. Anyone know the rules on that?
[tweetmeme source="cassidylewis" only_single=false]


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Basic Apache Optimizations
Apache, the most popular web server, is a stable and reliable software for providing web pages to the world. But sometimes, it happens that Apache will struggle under high loaded traffic.
Here is an overview on how you can optimize apache so it can cope with higher loads. Those tips are not meant to be exceptional but should be sufficient to increase your web site performance by handling more traffic.
When a web site gets too many connections at the same time, the web site will start to be slow to respond to the request, either because the host is not configured properly or because the bandwidth is getting insufficient.
There is few simple steps that can be taken in order to handle more traffic.
DNS Look Up
A good way to enhance your server response time is to disable DNS LookUp. When DNS Look Up is activated, Apache will perform a name resolution each time a new client connect to the server in order to record the full host name of the client. Disabling DNS LookUp, Apache will only save the IP of the client.
Web statistics software such as awstats can perform name resolution if you still need to get that information, but keep in mind that this will increase the time required by awstats to process your logs.
On start up, Apache will create a number of processes (Servers), and will handle a maximum of simultaneous requests (MaxClients). Any connection attempts over MaxClients will be queued. The MaxClients maximum value is capped by Here is a default setting for a Debian/Ubuntu box:
<IfModule prefork.c>
StartServers 5
MinSpareServers 5
MaxSpareServers 10
MaxClients 20
MaxRequestsPerChild 0
In order to handle more request at the same time, someone could use settings like:
<IfModule prefork.c>
StartServers 15
MinSpareServers 10
MaxSpareServers 20
ServerLimit 512
MaxClients 512
MaxRequestsPerChild 0
Note that in order to exceed the 256 MaxClients default capped value, we re-defined ServerLimit with a value of 512.
A simple tips to know if your server needs a bigger MaxClients value, is to check for:
[error] server reached MaxClients setting, consider raising the MaxClients setting
in your error log file (usually /var/log/apache2/error.log)


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Our Story
Three generations ago, in 1959, before De Alba Bakery became an award-winning Mexican bakery in Texas' Rio Grande Valley, our abuela began making tortillas for friends and for family. She cooked for her neighbors out of her humble Mexican kitchen, making everything as if it were de la familia. Everything was made for family, from scratch, using culinary methods passed down by centuries of Mexican chefs. Nothing left her kitchen that she wouldn't have proudly served to her own children. Today, at De Alba Bakery, our mission is the same, whether in-stores or online. Our family and our master bakers use heirloom techniques and cherished family recipes to prepare traditional tamales, pan dulce and artisanal Mexican pastries. No matter what you buy at De Alba, we promise it was made sustainably and with uncompromising love – this is our promise, from our family to yours.


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Not only am I only celebrating the secular part of the holiday, I'm doing it in such a manner that onlookers might think I was the single most evil person in the universe for doing it. See, for lunch, I'm eating deviled live baby chickens, whole.
The beak's a little crunchy, putting it at odds from the rest of the chick's squishiness, but what can you expect?
Idea shamelessly stolen from this image.


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Trip PlannerHome > Trip Planner
Oregon Coast
Portland Area
Willamette Valley
Southern Oregon
Central and Eastern Oregon
Mt. Hood and The Gorge
19th Century pioneers risked their lives to reach a promised land called the Oregon Territory. America's 36th state still fulfills traveler's promises today without the hardships of the trail. Soaring volcanoes, plains fruited with orchards and vineyards, magical coastline plus cozy, cosmopolitan Portland combine to make Oregon one of America's most diverse and enchanting lands.
Oregon Events and Regional Information
Click on the images on the right to go to any region of Oregon. Each contains regional events, photos, and details plus links to cities within that region where you can find member inns of the Oregon Bed and Breakfast Guild
Oregon Travel Information


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Apple iPhone XR Smart Battery Case - Black - New
Engineered for iPhone XR, the Smart Battery Case gives you even longer battery life while offering great protection. Inside, a soft microfiber lining helps protect your iPhone. And on the outside, the silky, soft-touch finish of the silicone exterior feels great in your hand. A soft elastomer hinge design makes it easy to put the case on and take it off.
Key Features:
- The case can be charged even faster with USB-PD compatible chargers.
- It also supports Lightning accessories, such as the Ear Pods with Lightning Connector (included with your iPhone), or the Lightning Digital AV Adapter (sold separately).
- Talk time up to 39 hours
- Internet use up to 22 hours
- Video playback up to 27 hours