Revised Terms of Utilization for WSJ STJNL (

Acceptance of the User Agreement

Welcome to WSJ STJNL ( Your access to and use of this website are subject to your acknowledgment and acceptance of the terms outlined in this document. These terms collectively constitute the “User Agreement,” forming a legally binding contract between you and WSJ STJNL ( that governs your interaction with the website, including all its content, information, features, and functions. Before proceeding with the website, we kindly request that you carefully read and fully comprehend the User Agreement.

By using the website, you hereby:

(A) Confirm that you have read and understood these terms.

(B) Certify that you are 18 years of age or older.

(C) Accept the User Agreement as a legally binding contract between you and us.

(D) Verify that you have not previously been suspended or banned from the website. If you do not agree with these terms, please refrain from using the website.

Modifications to the User Agreement

We reserve the right to periodically review and amend the User Agreement at our sole discretion. All such changes take effect immediately upon publication and apply to all subsequent interactions with and use of the website. Your continued use of the website following the publication of revised terms indicates your acceptance and agreement with such modifications. Furthermore, you waive any claim to receive specific notification of any changes to the User Agreement. As a website user, it is your responsibility to regularly review these terms.

Access and Use of the Website:

We reserve the right to access and use the website, including its content and information, as needed for the operation and accessibility of the site to you and other users. This includes maintaining the website’s security and enhancing its functionality. In connection with any content or information you provide on the website, we acknowledge that we do not claim ownership of such content or information. We are solely authorized to access this content or information as specified in this document. Furthermore, we are prohibited from disclosing any content or information you provide on the website to third parties, except as outlined in our Privacy Notice or as required by government subpoenas, other legitimate government requests, or court orders.

Website Management:

The structure, layout, features, and access permissions of the website will be determined at our sole discretion. We also retain exclusive authority to modify, update, and amend the website. We are not responsible if, for any reason, the entire website or any portion of it, including its content, becomes unavailable at any time or during any period. Periodically, we may restrict access to specific sections of the website or the entire website, at our sole discretion. WSJ STJNL ( retains the right to revoke your access to the website or any part of it, with or without prior notice, for any reason.

Website Access and Account Security:

You acknowledge that your account is intended solely for your personal use and commit not to grant access to the website or its various components using your username, password, or other security credentials to any other person. You agree to promptly inform us of any unauthorized access, utilization of your username or password, or any security breach. Furthermore, you consent to log out from your account at the conclusion of each session and exercise caution when accessing your account from a public or shared computer to prevent others from viewing or recording your password or other personal data. The subscription you are acquiring can be used by our company’s staff. By proceeding with this purchase, you pledge to safeguard and refrain from altering any aspect of the provided access details. Should you encounter any access-related issues, you commit to reaching out to us using the provided phone number and allowing for a maximum response time of 48 hours.

We retain the authority to deactivate any username, password, or other identifiers at our exclusive discretion, at any time, and for any reason, even if we have reason to believe that you have violated any stipulation in these terms.

Third-Party Services:

The website contains links to external websites (“Third-Party Sites”). These Third-Party Sites may include:

Before engaging with Third-Party Sites or disclosing any personal data on them, it is your responsibility to review their respective terms of use and privacy policies. When accessing external resources on the Internet, you do so at your own risk. These Third-Party Sites are beyond our control, and you acknowledge that we bear no responsibility for their content, functionality, accuracy, legality, suitability, or any other aspect. The inclusion of a link to such a site does not imply our endorsement or affiliation with its operators. Additionally, you admit and consent that we shall not be held responsible, either directly or indirectly, for any alleged damages or losses attributed to or linked with the use or reliance on any such content, products, or services obtainable on or through these Third-Party Sites.

Compliance with Laws 

You agree to comply with all relevant local, state, national, and international laws and regulations when using the website. By accessing or using the website, you confirm that you are at least eighteen (18) years old (or of legal age in your jurisdiction). You also acknowledge and accept that your use of the Internet and the website carries inherent risks.

Intellectual Property Rights

The website, including its features and functionalities (including all software, displays, capabilities, and the design, selection, and arrangement), is the exclusive property of WSJ STJNL (, its licensors, or other providers of these features and functionalities. It is protected by copyright, trademark, patent, trade secret, and various other intellectual property or proprietary rights, whether in the United States or on a global scale.

Any modification of the features and functionalities or the unauthorized provision of access to any aspect of the website that violates these terms will result in an immediate termination of your entitlement to use the website. No rights, titles, or interests in or to the website are conveyed to you, and WSJ STJNL ( retains all rights not explicitly granted. Any use of the website that is not explicitly authorized by these terms constitutes a violation of these terms and may infringe on copyright, trademark, and other legal statutes.


The name WSJ STJNL (, the logo, and all related names, logos, product and service designations, configurations, and slogans are trademarks owned by WSJ STJNL (, its affiliates, or licensors and may be registered in the United States or other jurisdictions. You must obtain advance written consent from WSJ STJNL ( before using any of these trademarks.

Copyright Complaints

WSJ STJNL ( adheres to the principles of the Digital Millennium Copyright Act (“DMCA”) and will address legitimate notifications of alleged copyright infringements. If you believe that your copyrighted work has been used in a manner that constitutes copyright infringement, you may submit a DMCA compliance notice to our designated DMCA Representative, providing the following details in written form:

  • A physical or electronic signature of an individual authorized to act on behalf of the copyright owner.
  • Identification of the copyrighted work claimed to have been infringed.
  • Identification of the material alleged to be infringing or the subject of infringing activity, along with information to locate the material.
  • Your contact information, including your postal address, phone number, and email.
  • A statement that you have a bona fide belief that the use of the material is not authorized by the copyright owner, its agent, or the law.
  • A statement that the details in your notice are accurate and, under the penalty of perjury, that you are authorized to act on behalf of the copyright owner.

Please send notices of copyright infringement via email to info@WSJ

If WSJ STJNL ( takes down or restricts access to content in response to a copyright complaint, diligent efforts will be made to communicate with the alleged infringing party, providing information regarding the takedown or restriction, along with a copy of the complaint. Should the alleged infringing party believe that their content was removed in error, they may submit a counter-notification in accordance with the DMCA to request the restoration of the removed content.

WSJ STJNL ( maintains a policy of disabling the accounts of repeat infringers. If WSJ STJNL ( receives multiple valid copyright complaints associated with a particular user, WSJ STJNL ( may restrict or terminate the user’s access to the Site or take other measures to prevent their content from appearing on the Site.

Prohibited Uses

Your use of the website is only permissible for lawful purposes and must adhere to these terms. You hereby commit not to engage in any of the following actions when using the website:

  1. Utilize the website in any manner that violates applicable federal, state, local, or international laws or regulations, including but not limited to laws related to data export and the protection of personal data.
  2. Assume the identity of another user or entity, including the use of email addresses associated with others.
  3. Initiate contact with WSJ STJNL ( offices or sales associates for purposes unrelated to the acquisition of products or services, such as promoting your own products or services.
  4. Infringe upon the rights of others or engage in activities that violate their privacy.
  5. Remove or alter any copyright or intellectual property notices on the website.
  6. Upload invalid data, worms, viruses, or other software agents to the website.
  7. Use software that intercepts, “extracts,” or compiles information from the website.
  8. Utilize information provided by the Company through the website to make lending decisions.
  9. Access or use the website to create competitive products or services.
  10. Access password-protected, secure, or non-public sections of the website.
  11. Create links from any external website or web page to any page within the website without obtaining written consent and promptly remove such links upon receiving a written request from WSJ STJNL (
  12. Engage in any behavior that obstructs or hampers the use or enjoyment of the website by any individual or that may cause harm to WSJ STJNL ( or website users or expose them to legal liability.

Additionally, you commit not to:

  1. Circumvent any access or availability restrictions on the website.
  2. Engage in activities that may pose a risk to yourself, the website, or others.
  3. Infringe upon the rights of others.
  4. Engage in activities that breach the privacy of others.
  5. Aid or abet others in violating these regulations.
  6. Attempt to disrupt the proper operation of the website.
  7. Share, sell, transfer, or disseminate any portion of the account subscription to anyone without our knowledge and authorization.

Disclaimer of Warranties:

Your use of the website and its content is at your sole discretion. The website is provided “as is” and “as available,” without any warranty, whether express or implied. Neither WSJ STJNL (WSJSTJNL.COM) nor any individual affiliated with WSJ STJNL (WSJSTJNL.COM) makes any assurance or representation regarding the comprehensiveness, security, reliability, quality, accuracy, or availability of the website. Without limiting the foregoing, neither WSJ STJNL (WSJSTJNL.COM) nor any associate of WSJ STJNL (WSJSTJNL.COM) affirms or warrants that the website will operate without interruption or meet your specific requirements. To the fullest extent permitted by applicable law, WSJ STJNL (WSJSTJNL.COM) hereby disclaims all warranties, including but not limited to merchantability and non-infringement. WSJ STJNL also disclaims any responsibility for the content, materials, accuracy of information, and/or quality of information provided or accessible through the website.

The foregoing shall not affect any warranties that are unexcludable or unlimitable under applicable law.

Limitation of Liability:

To the maximum extent permitted by law, under no circumstances shall WSJ STJNL (WSJSTJNL.COM), its shareholders, directors, associates, officers, agents, and employees, licensors, service providers, and all third parties supplying content of any kind, under any legal basis, arising from or in connection with your use of, or inability to use, the website, any linked application, any content on the site, or such other applications, including any direct, incidental, consequential, or punitive damages, including, but not limited to, personal injury, discomfort, emotional distress, loss of income, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, whether arising from tort (including negligence), breach of contract, or otherwise, even if such damages were foreseeable.

The foregoing shall not impair any liability that is incapable of being omitted or limited under applicable law.


You agree to indemnify and defend WSJ STJNL (, its shareholders, directors, associates, officers, agents, and employees, licensors, service providers, and all third parties providing content, information, or services to the website against any and all demands, legal actions, proceedings, responsibilities, losses, damages, expenses of any kind, including reasonable attorney’s fees and expenses, court costs, or arbitration fees, arising due to or associated with your breach of these terms or your use of the website. This includes, but is not limited to, your submissions of content or information to the website or any use of the website’s content not expressly authorized in these terms.

Waiver and Severability:

No waiver by WSJ STJNL of any provision or condition established in these terms will be regarded as a further or continued waiver of that provision or condition or a waiver of any other provision or condition. Furthermore, any failure by WSJ STJNL to enforce a right or provision under these terms will not be deemed as a waiver of such right or provision.

In the event that a court or another competent legal authority holds any provision of these terms as invalid, illegal, or unenforceable for any reason, such provision shall be either removed or restricted to the minimum extent necessary, allowing the remaining provisions of these terms to maintain their full force and effect.

Governing Law:

All matters relating to the website and these terms, as well as any dispute or claim arising from or related to them (including disputes or claims that do not involve a contract), will be governed and construed in accordance with the internal laws of the State of Colorado, excluding any principles or rules of law that might cause the application of the laws of another state.

Arbitration and Class Arbitration Waiver:

Any dispute, controversy, or claim arising in connection with or related to these terms, including any breach, termination, or validity thereof, shall be conclusively settled through arbitration following the Commercial Arbitration Rules of the American Arbitration Association. The arbitration panel shall consist of a single arbitrator. The arbitrator shall possess the authority to decide on any challenges to its own jurisdiction or the validity and enforceability of any part of the arbitration agreement.

The involved parties agree to engage in arbitration solely on an individual basis. This agreement does not authorize class arbitration or the assertion of claims as a plaintiff or member of a class in any class or representative arbitration proceedings. The arbitration panel is precluded from consolidating the claims of more than one individual and is prohibited from overseeing any form of representative or collective proceedings. Notwithstanding the panel’s jurisdiction to rule on its own authority and the validity or enforceability of the arbitration agreement, it lacks the authority to conduct arbitration on a class-wide or representative basis.

In the event that the prohibition against class arbitration is determined to be unenforceable or invalid, the remaining sections of the arbitration agreement shall remain in full force and effect.


Should you furnish comments or suggestions concerning the website, including those pertaining to WSJ STJNL ( (collectively referred to as the “Feedback”), you hereby grant us an unrestricted, perpetual, irrevocable, non-exclusive, fully remunerated, and royalty-free right to utilize the Feedback for any purpose and in any manner that, at our sole discretion, we deem suitable.

Entire Agreement:

These terms constitute the complete and exclusive agreement between you and WSJ STJNL, its successors, or assigns concerning the website. They supersede all prior and concurrent understandings, agreements, representations, and warranties, whether written or verbal, related to the website.

Contact Information

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8601 Six Forks
Raleigh, NC 27615
Phone: (720) 734-3200 (U.S.)

Regular Business Hours:

Mon-Fri: 8:00 am – 6:00 pm
Sat. 8:00 am – 12:00 pm EST