To use the Website, you must be at least 18 years old and have the legal capacity to enter into a binding agreement. By accessing the Website, you represent and warrant that you meet these eligibility requirements. 

Certain features of the Website may require you to register and create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. You are responsible for safeguarding your account credentials and for all activities that occur under your account.   

You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use of the Website. You shall not engage in activities that may harm or disrupt the Website or its users, or violate ARI intellectual property rights, including but not limited to: 

• Uploading or transmitting viruses or malicious code. 

• Attempting unauthorised access to any part of the Website or its systems. 

• Engaging in any form of manual or automated data collection, including scraping or data mining. 

• Reproducing any Content from this Website on other websites, or including such Content in any databases or repositories, whether commercial or non-commercial, public or private.  

Without limiting the foregoing, you agree not to use the Website and any information on it for any commercial or non-commercial purpose without our express written consent or in any way that is unlawful, fraudulent, or harmful, or in connection with any unlawful, fraudulent, or harmful purpose or activity. 

We reserve the right, in our sole discretion, to terminate or suspend your access to all or part of the Website for any or no reason, including but not limited to violation of these Terms. 

We reserve the right to withdraw or amend the Website, and any service or material we provide on the Website, in our sole discretion without notice. We will not be liable if, for any reason, all or any part of the Website is unavailable at any time or for any period. 

The Community Pages are exclusive sections of the Website designed to provide additional data, resources, and media to authorised users. 

Access to the Community Pages is contingent upon entering into a separate Licensing Agreement with the Licensor. Users must obtain the necessary permissions and agree to the terms outlined in the Licensing Agreement to access these resources. 

The Licensing Agreement will define the scope of access, use permissions, and any other specific terms relating to the resources made available on the Community Pages. Users are encouraged to review and understand these terms prior to engagement. 

Users accessing the Community Pages are required to comply with all terms of the Licensing Agreement and any community guidelines set forth therein. Unauthorized access or use may result in termination of access privileges and other legal remedies as specified in the Licensing Agreement. 

We reserve the right to modify the Content and resources available on the Community Pages, along with any applicable licensing terms, at our discretion. Users will be notified of significant changes as deemed necessary by us. 

Content available on the Website, including data, text, graphics, logos, images, audio clips, video clips, data compilations, software, and other materials (collectively, "Content"), is the property of ARI, its affiliates, partners, or licensors, and is protected by international copyright, trademark, patent, and other intellectual property or proprietary rights laws. 

You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the Content on the Website provided that such use does not contravene these Terms. In particular, this license does not permit any resale, commercial use, creation of derivative works, or unauthorized exploitation of the Content. 

The Community Pages contain additional data, resources, and media that are subject to a separate Licensing Agreement. Users must enter into and comply with this Licensing Agreement to gain access to these resources. Acceptable use within the Community Pages is defined under this Agreement, and unauthorised use of the content therein is strictly prohibited. 

Submission of any content to any section of the Website presumes granting ARI a worldwide, royalty-free, perpetual, irrevocable, non-exclusive license to use, reproduce, modify, adapt, publish, translate, distribute, perform, and display the User-Generated Content throughout the world in any media. You represent and ensure that you have the lawful rights to the content you submit. 

All trademarks, service marks, logos, and trade names displayed on the Website are proprietary to ARI or respective owners. They may not be used, reproduced, modified, or distributed without express prior permission from ARI or the applicable owner. This also applies to any branding and intellectual property within Community Pages subject to the Licensing Agreement. 

If you believe any Website Content infringes your copyright or other intellectual property rights, please submit a written notice to us at inquiries@ankerinstitute.org detailing the infringement, a description and location of the infringing content, and your contact information. We will review and respond promptly to your claims. 

You agree to use the Website, including the Community Pages, in a responsible manner that is in full compliance with these Terms and applicable laws and regulations. You shall not engage in any conduct that may harm us, other users, or the integrity of the Website. 

In using the Website, you agree not to: 

• Attempt to gain unauthorised access to the Website, its servers, or any affiliated networks; use any of the downloadable data outside the scope of permitted use defined in these Terms and any applicable Licensing Agreements. 

• Engage in any form of manual or automated data collection practices such as scraping, data mining, data harvesting, or any similar activity aimed at extracting data from the Website or Community Pages without our explicit prior written consent. 

• Reproduce, duplicate, copy, sell, trade, resell, or exploit for any commercial or non-commercial purposes any part of, use of, or access to the Website or its downloadable data, including attempting to bypass any measures we may use to prevent unauthorised access to our data. In particular, reproduce any Content from this Website on other websites, or include such Content in any databases or repositories, whether commercial or non-commercial, with public or private access. 

• Alter, edit, adapt, or create derivative works based on the data without explicit permission from us, ensuring compliance with our intellectual property and licensing policies. 

• Use the Website in any manner that could damage, disable, overburden, or impair the Website, including introducing viruses, trojans, worms, logic bombs, or other material that is malicious or technologically harmful. 

• Attempt to bypass or circumvent any security or access control technology implemented on the Website or any of its resources. 

• Impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with a person or entity in a manner intended to deceive or defraud. 

• Engage in any activity that is illegal or unlawful under applicable domestic or international laws, or that is otherwise prohibited by these Terms. 

We are committed to protecting the privacy of both individual and commercial visitors. Our Privacy Policy outlines the types of information we collect, how we use it, and the protective measures we enforce. By using the Website, you consent to our data collection and usage practices as described in our Privacy Policy. 

By accessing or using the Website, you acknowledge that you have read and agreed to our Privacy Policy, which is part of these Terms. If you do not agree with any part, please do not use the Website. 

Personal and business data are stored and processed in the United States. We undertake reasonable administrative, technical, and physical security measures to protect information against unauthorised access. However, no method of transmission over the internet is entirely secure. 

We keep data as necessary to fulfil the purposes it was collected for and as required by U.S. law. You may request data deletion, subject to our obligations to retain certain information for compliance reasons. 

Our Website may include links to external sites or services. We are not liable for their privacy practices. Review each site’s privacy policy before providing personal or business information. 

The Website employs cookies and tracking tools to improve your experience and analyse the site traffic. Your use of the Website implies consent to our use of cookies. 

We may disclose personal and business information if required to do so by law or in the good faith belief that such action is necessary to comply with legal obligations. 

The Website, the Community Pages and all Content are provided on an "as-is" and "as-available" basis, without any warranties of any kind, express or implied. We do not guarantee that the Website will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected. We disclaim all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. 

You understand and agree that all Content and any living wage and living income data estimates (“Data”) provided by ARI on the Website is based on research and analysis that may be subject to change over time. ARI strives to update its data regularly; however, there may be instances where the information provided is outdated or inaccurate due to various factors beyond its control. 

Data refers to estimates of the living wage and living income for a particular area or region, and time, and ARI reserves the right to change or update particular estimates without previous notice based on the results of their research. The User acknowledges that ARI will update the Data to account for, but not exclusively, for inflation and other changes in economic conditions or factors. 

You acknowledge that reliance on such Data involves inherent risks, and ARI makes no representations or warranties, express or implied, regarding the accuracy, completeness, or suitability of the Data for any particular purpose. Accordingly, you agree that ARI, its affiliates, and their respective officers, directors, employees, and agents shall not be liable for any losses, damages, claims, or expenses, including but not limited to direct, indirect, incidental, punitive, or consequential damages, arising out of or related to: 

1.  The use or inability to use the Data provided by ARI. 

2. Any decisions made or actions taken by the you based on the Data, including but not limited to wage determinations or changes in employment practices. 

3. Any errors or omissions in the Data, or any delays in updating the Data. 

 To the maximum extent permitted by law, ARI, its affiliates, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from: (i) your use of or inability to use the Website; (ii) any conduct or content of any third party on the Website; (iii) any Content obtained from the Website; and (iv) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort, or any other legal theory, whether or not we have been informed of the possibility of such damage. 

 You agree to indemnify, defend, and hold harmless ARI, its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from: (i) your use of and access to the Website or Community Pages; (ii) your violation of any term of these Terms; (iii) your violation of any rights of third parties, including but not limited to any copyright, property, or privacy right; or (iv) any claim that your content caused damage to a third party. 

 Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you. In such jurisdictions, ARI's liability shall be limited to the maximum extent permitted by law. 

 The above limitations of liability are a fundamental element of the basis of the agreement between you and us. The Website and Content would not be provided without such limitations. 

These Terms, and any dispute or claim arising out of or in connection with them, their subject matter, or formation (including non-contractual disputes or claims), shall be governed by and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of law provisions. 

Parties agree to attempt in good faith to resolve disputes through informal negotiations within thirty (30) days from notification of the dispute. For international users, electronic communications (such as email) shall suffice. 

If informal negotiation fails, disputes shall be resolved by arbitration administered by the International Chamber of Commerce (ICC) in accordance with its rules. The seat of arbitration shall be New York, New York, USA, with proceedings conducted in English. 

For any legal action or proceedings arising from these Terms that are not subject to arbitration, you agree to submit to the exclusive jurisdiction of the courts located in New York, New York, USA. You waive any objection to the venue or jurisdiction of these courts. 

Notwithstanding the above, ARI reserves the right to seek injunctive or equitable relief in any jurisdiction to protect its intellectual property rights or confidential information. 

Any claims or disputes must be brought on an individual basis, and you waive any rights to participate in a class action lawsuit or class-wide arbitration. 

Regardless of any statute or law, any claim related to these Terms must be filed within one (1) year after the claim arises, or it will be permanently barred. 

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. Notifications may be sent via email, posted on the Website, or through other reasonable means. Your continued use of the Website following the posting of changes constitutes acceptance of those changes. 

We may update, suspend, or discontinue any feature, part, or Content of the Website at any time, and without notice or liability, for any reason. 

We may terminate or suspend your access to the Website, without prior notice or liability, for any reason whatsoever, including without limitation, the breach of these Terms. All provisions of the Terms which by their nature should survive termination, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability, shall survive termination. 

If you have registered and created an account to access certain features of the Website and wish to terminate your account, you must notify us for security reasons so we can proceed with deactivation. Upon termination, your right to access those features of the Website will cease immediately. 

Upon termination, all rights granted to you under these Terms will also terminate, and you must cease all use of the Website. The termination of your access to the Website will not relieve you of any obligations or liabilities arising prior to the termination date, nor will it impact any legal rights or remedies that may have accrued to either party prior to such termination. 

These Terms may not be amended or modified except in writing by ARI and with notice to you if deemed material. 

These Terms constitute the entire agreement between you and us regarding the use of the Website and supersede and replace any prior agreements, understandings, or representations, whether oral or written. 

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect. 

No waiver of any term, condition, or breach of these Terms, whether by conduct or otherwise, shall be deemed to be, or shall constitute, a waiver of any other term, condition, or breach. No waiver shall be binding unless in writing and signed by an authorised person of appropriate seniority at ARI. 

You may not assign or transfer your rights and obligations under these Terms, in whole or in part, without prior written consent from us. Any assignment in violation of this provision shall be void. ARI may assign or transfer these Terms, at its sole discretion, without restriction. 

These Terms do not and are not intended to confer any rights or remedies upon any party other than you and us. 

No joint venture, partnership, employment, or agency relationship exists between you and us as a result of these Terms or your use of the Website. 

The headings in these Terms are for convenience only and shall not affect the interpretation of these provisions.