You will be notified of any Changes through a posting on the Web Site, a notification in the Services, or via e-mail. Any Changes shall be effective THIRTY (30) days following the posting of such Changes (the "New Effective Date"). You agree to review these Terms of Use from time to time and agree that any subsequent use by you of the Services following the New Effective Date shall constitute your acceptance of all such Changes. The Services and all Information And Content is provided to you solely for your own personal, non-commercial use and not for purposes of resale, distribution, public display or performance, or any other uses by you in any form or manner whatsoever.use any automatic or manual process to collect, harvest, gather, or extract information about other visitors to or users of the Services, or otherwise systematically extract data or data fields, including without limitation any financial and/or currency data or e-mail addresses; By uploading, posting, transmitting, sharing, or otherwise making available to the Services any information or content, or submitting any materials for use on the Services, you grant (or warrant that the owner of such rights has expressly granted) XE or its designee a perpetual, royalty-free, irrevocable, fully-paid non-exclusive, worldwide right and license to use, reproduce, modify, adapt, publish, sublicense, translate, reformat, create derivative work(s) or adaptation(s) from, and distribute such information, content, and/or materials. THE SERVICES AND ALL INFORMATION AND CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS ANY THIRD PARTY WEB SITES OR THIRD PARTY APPLICATIONS SOFTWARE AND CONTENT, DIRECTLY OR INDIRECTLY, ACCESSED THROUGH HYPERTEXT LINKS IN THE SERVICES, You agree to indemnify, defend, and hold XE and XE's affiliates, business partners, officers, directors, employees, and agents harmless from any loss, liability, claim, action, suit, demand, damage, or expense (including reasonable legal fees, costs of investigation and court costs) asserted by any third party relating in any way to, or in respect of, your use of the Services, any third party applications, software, information, content, and/or materials you post or share on or through the Services, or breach of these Terms of Use. These Terms of Use shall be governed by and construed in accordance with the laws of the Province of Ontario and the laws of Canada applicable therein, without regard to conflict of laws provisions thereto. 

Summary:
When the service wants to change its terms, users are notified 30 days in advance.. Instead of asking directly, this Service will assume your consent merely from your usage.. This service is only available for use individually and non-commercially.. The service does not guarantee accuracy or reliability of the information provided. This service assumes no liability for any losses or damages resulting from any matter relating to the service. This service prohibits users sending chain letters, junk mail, spam or any unsolicited messages.. Spidering, crawling, or accessing the site through any automated means is not allowed. This service keeps a license on user-generated content even after users close their accounts.. The service has non-exclusive use of your content. This service can use your content for all their existing and future services. The service is provided 'as is' and to be used at the users' sole risk. This service assumes no responsibility and liability for the contents of links to other websites. You agree to defend, indemnify, and hold the service harmless in case of a claim related to your use of the service. The court of law governing the terms is in the Province of Ontario, Canada.