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The Terms of Use are intended for all Users of the Sites and Services, including those who are simply navigating the Sites or those who register an Account or those who prepare materials for the Sites in exchange for compensation. You should know that different sections or kinds of the Sites, Services, Terms of Use affect Users differently,so please be sure to read these Terms carefully. Although our Services may include access to content submitted by other Users of the Sites (including articles and consumerguides), we are not the author of these User-submitted content. We have no control over the validity or accuracy of any claim made in them. But if you utilize any User-submitted content, you do so at your own risk, and we expressly disclaim all warranties.