1. Terms
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.

2. Use License
Permission is granted to temporarily download one copy of the materials (information or software) on Dumb Loud LLC.'s web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
modify or copy the materials;
use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
attempt to decompile or reverse engineer any software contained on Dumb Loud LLC.'s web site;
remove any copyright or other proprietary notations from the materials; or
transfer the materials to another person or "mirror" the materials on any other server.
This license shall automatically terminate if you violate any of these restrictions and may be terminated by Dumb Loud LLC. at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer
The materials on Dumb Loud LLC.'s web site are provided "as is". Dumb Loud LLC. makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Dumb Loud LLC. does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

4. Limitations
In no event shall Dumb Loud LLC. or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Dumb Loud LLC.'s Internet site, even if Dumb Loud LLC. or a Dumb Loud LLC. authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata
The materials appearing on Dumb Loud LLC.'s web site could include technical, typographical, or photographic errors. Dumb Loud LLC. does not warrant that any of the materials on its web site are accurate, complete, or current. Dumb Loud LLC. may make changes to the materials contained on its web site at any time without notice. Dumb Loud LLC. does not, however, make any commitment to update the materials.

6. Links
Dumb Loud LLC. has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Dumb Loud LLC. of the site. Use of any such linked web site is at the user's own risk.

7. Site Terms of Use Modifications
Dumb Loud LLC. may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

8. Governing Law
Any claim relating to Dumb Loud LLC.'s web site shall be governed by the laws of the State of Pennsylvania without regard to its conflict of law provisions.

Refund Policy
This refund policy (the “Refund Policy”) covers the circumstances under which Dumbloud.com (“Dumb Loud”) may in its discretion provide refunds, and is part of the Terms. Use of the terms “we” and “us” in this Refund Policy means Dumb Loud. Capitalized words not defined in this Refund Policy have the meaning as defined in the Terms. By using the Site, you are accepting this Refund Policy. If you do not agree to the Refund Policy, please do not use the Site.

Dumb Loud may amend its Refund Policy at any time by posting a revised Refund Policy on the Site, and/or sending information regarding the amendment to the email address you provide to Dumb Loud. You are responsible for regularly reviewing the Site to obtain timely notice of such amendments. You shall be deemed to have accepted such amendments by continuing use of the Site or of your Account after such amendments have been posted or information about such amendments has been sent to you.

The two types of refunds that Dumb Loud provides are for
(1) First Time Purchases and (2) Recurring Payments.

The following is our refund policy for each type:

First Time Purchases:
The first time you make a purchase of an advertisement via the Site is a “First Time Purchase.” You must read all of the details provided for the applicable ad zone and be sure that you fully understand exactly what you are purchasing – including but not limited to the price, location on the website, number of ads sold in that zone, whether or not the ads rotate, whether or not you already have an ad in that same zone, and, of course, the website on which you will be advertising. If, however, you wish to request a refund, you must notify us of your request within 24 hours of making your First Time Purchase. We will consider such a request on a case-by-case basis if your First Time Purchase meets the following criteria:
You purchased two ads in the same ad zone by accident; or
The publisher changed the location of the ads on its website during your purchase.

Recurring Payments:
Advertisements are sold through the Site as subscriptions, with each subscription period renewing every 30 days. In other words, when you purchase an advertisement you are setting up a recurring payment that will continue to automatically renew and re-bill every 30 days until it is canceled. You must understand and be aware of your active ads and subscriptions. The dates that your subscriptions will automatically renew and re-bill are indicated in your Account as the “Next Bill Date.” Each payment, other than your initial payment for the first subscription period, is a “Recurring Payment.” If you wish to cancel a subscription, you must do so at least 24 hours before the date it is scheduled to automatically renew and re-bill. In other words, if your Next Bill Date is June 15, and you do not want your subscription to continue, then you must cancel your subscription no later than June 13. If you do not cancel your subscription on time, we will consider a refund request for a Recurring Payment on a case by case basis if you have submitted a refund request to us no later than 24 hours after the Recurring Payment was renewed or re-billed. In the example above, you would need to submit a refund request no later than the end of day of June 16. In addition, your Recurring Payment must meet the following criteria:

This was your first Recurring Payment using the Site and you did not realize (although it is stated at checkout) that you were subscribing to the ad(s) and were unaware that the ad(s) would renew if not timely canceled; or
There was a documented software error that prevented your ad(s) from being canceled.

How to request consideration for a refund, It’s simple; just send an email to DumbLoud@Gmail.com with the following details:
The email address on your Account; and
The reasons why you would like us to consider a refund.

Dumb Loud will consider granting refunds that are requested in the above stated timeframes and that meet the applicable criteria, and will grant refunds at its reasonable discretion. Nothing herein grants an obligation by Dumb Loud to grant a refund.