yahoo customer service phone number for your region

We value your privacy. State Farm Insurance and Financial Services agents across the country, feel free to talk to an agent near your neighborhood. What effect is The fact is our friend is trying to his phone number on her But I don't think Pa would elapsed I believe there is the need My contact. Staying healthy is easier with the right support. Visit kp.org to learn how we customize care and coverage just for you.

Yahoo customer service phone number for your region -

Access and manage your VA benefits and health care

Service member benefits

Find out what benefits you may be eligible for during service and which time-sensitive benefits to consider when separating or retiring.

Family member benefits

Learn about the benefits you may qualify for as a spouse, dependent, or survivor. And find out what you're eligible for as a family member caring for a Veteran with disabilities.

Burials and memorials

Get help planning a burial in a VA national cemetery, order a headstone or other memorial item to honor a Veteran's service, and apply for survivor and dependent benefits.

Careers and employment

Apply for vocational rehabilitation services, get support for your Veteran-owned small business, and access other career resources.

Housing assistance

Find out if you're eligible for a VA-backed home loan. If you have a service-connected disability, see if you qualify for a housing grant to help you live more independently.

Pension

Apply for monthly payments for wartime Veterans and survivors with limited or no income who meet certain age and disability requirements.

Life insurance

Explore VA life insurance options for Veterans, service members, and families. Manage your policy online, file claims for benefits, and access helpful resources.

Education and training

Apply for and manage your GI Bill and other education benefits to help pay for college and training programs.

Records

Apply for a printed Veteran ID card, get your VA benefit letters and medical records, and learn how to apply for a discharge upgrade.

Health care

Apply for VA health care, find out how to access services, and manage your health and benefits online.

Disability

File a claim for disability compensation for conditions related to your military service, and manage your benefits over time.

Источник: https://www.va.gov/

Want the latest tech?

We've got phones, tablets, smartwatches, wearables and connected devices from all the brands you love. Shop online at att.com and get fast, free no-contact delivery and expert setup with AT&T Right To YouSM where available.1 Or let our virtual experts bring the store to you with Live Shopping Assistance. Get help with switching to AT&T, adding a line, and buying a new phone.

Get a new wireless plan

We have data plans for every need. Enjoy the flexibility of a Prepaid plan - no annual contract and no credit check. Get unlimited talk, text, and high-speed data that can’t slow down based on how much you use with the AT&T UNLIMITED ELITE® plan, with HBO Max™ included.4AT&T 5G is nationwide, and all unlimited plans come with 5G at no additional cost. 5G requires compatible device. 5G may not be in your area.

Watch TV, your way

DIRECTV STREAM is the future of entertainment. It combines everything that’s great about online streaming and on-demand programming with the benefits of live TV and sports content. It also comes with a voice remote that lets you use your voice to do things like check the weather, change the channel, dim the lights, record your favorite shows, and more. With DIRECTV STREAM, you’ll even get access to some of your favorite apps and games.
For customers looking for a more traditional TV package, you’ll also have the option of DIRECTV.

Stay in touch with friends & family

Talk, text, and stream with our unlimited data plans.2 And remember, the more lines you add, the more you'll save each month. Find the perfect family cell phone plan for you at att.com.

Stay connected with AT&T Internet

With all of the activities you engage in on the internet, you demand a lot of our internet service. That's why you need the fast and reliable internet service provided by AT&T. From surfing, to shopping, to gaming, you'll enjoy 99% reliability and strong, Wi-Fi connectivity throughout your entire home3 with internet from AT&T. Find out about the availability of AT&T Fiber in your area. With AT&T Fiber, you can enjoy our super fast, Entertainment Grade 1 GIG Internet now with HBO Max included.4

Deals for everyone

Shop the newest smartphones at AT&T, like the new iPhone 13, iPhone 13 mini, iPhone 13 Pro, and iPhone 13 Pro Max. We also have the latest Galaxy phones like the Samsung Galaxy Z Fold3 5G and Galaxy Z Flip3 5G.  Find savings on new and older Android phones and iPhones. In addition to phones, find savings on tablets and smartwatches. View our deals page for the latest deals at AT&T.

With us, you know you’re getting the best

In the last five years we've invested nearly $145 billion to improve everything from voice and streaming quality to data downloads and call reliability. And now we're continuing to innovate by building the next generation of wireless technology: 5G. Join us and see what's next.

Shop AT&T Holiday Phone Deals now!

AT&T Cyber Week phone deals are here! We’ll have great holiday deals on phones, wireless plans, accessories and more. In need of a few holiday gift ideas? Our Holiday Gift Guide is where you can  get shopping inspiration, and discover the perfect gift for yourself, family, and friends.

Источник: https://www.att.com/

The Insurance Savings You Expect

We offer competitive rates on coverage tailored to fit your needs.

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GEICO Insurance Agency, Inc. has partnered with to provide insurance products. When you click "Continue" you will be taken to their website, which is not owned or operated by GEICO. GEICO has no control over their privacy practices and assumes no responsibility in connection with your use of their website. Any information that you directly provide is subject to the privacy posted on their website.

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Call (888) 395-1200 or log in to your current Homeowners, Renters, or Condo policy to review your policy and contact a customer service agent to discuss your jewelry insurance options.

Источник: https://www.geico.com/

Screenshots

Description

Your #1 finance destination to track the markets and the economy.

Follow the stocks you care about most and get personalized news and alerts. Access real-time stock information and investment updates to stay on top of the market.

Favorite features:
• Track the performance of your personal portfolio
• Follow stocks to get real-time quotes and personalized news
• Discover detailed financial information such as historical financials, ESG ratings, and top holders
• Go beyond stocks and track currencies, bonds, commodities, equities, world indices, and futures
• Compare and evaluate stocks with interactive full screen charts
• Sign in to view and edit your web portfolio on the go

Helpful tips:
• Follow all the stocks you care about by searching for the ticker and tapping the star icon
• Create multiple watchlists to organize the stocks you follow
• Enable notifications for price alerts, breaking news, earnings reports, and more
• Sync your portfolios across devices

About Yahoo Finance Plus billing:
• Upgrade to Yahoo Finance Plus for exclusive tools that help you maximize your profits with confidence.

For Yahoo Finance Plus Lite: You can choose to be billed $24.99 monthly or $249.99 annually.
For Yahoo Finance Plus Essential: You can choose to be billed $34.99 monthly or $349.99 annually.
Payment will be charged to your iTunes account as soon as you confirm the purchase. Your subscription will automatically renew at the end of each billing period unless you cancel at least 24 hours before the end of the current period. You can cancel at any point in your App Store account settings.

Privacy Policy: https://legal.yahoo.com/us/en/yahoo/privacy/index.html
Terms of Service: https://legal.yahoo.com/us/en/yahoo/privacy/index.html

Version 9.0.1

Exciting news for our M1 Mac and iPad users:

- The Yahoo Finance app is now available for M1-powered Macs.
- Supports multitasking and multiple app windows with drag-and-drop simplicity.
- The tab bar has been replaced by the new and improved sidebar to make navigation more intuitive and enable quick access to key parts of the app. You can also hide the sidebar to create more room for the financial content you care about.*
- The quote view has been refreshed to make the information more accessible, digestible, and easier to dive into.*

* Note for iPad users: Initially available to a smaller audience, these new features will reach your device soon.

Please continue sharing your overall app experience and ideas through the "Send feedback" option in Account > Settings. Thanks for using Yahoo Finance!

Ratings and Reviews

4.7 out of 5

463.8K Ratings

Yahoo finance?

Yahoo Finance, I don’t know runs this division of Yahoo. Your all awesome at Yahoo Finance! All divisions of Yahoo as well. Excellent web site! Easy to navigate. I like the immediate news and subject editing. Serious well documented writing and editing about global facts and subject matter on most corporations domestic and international. Complex subjects are broken down for readers like me to get the big picture. Thanks for your response. Thanks Truth is a difficult commodity these day, not at Yahoo Finance! I’m not a good reader. I rarely give reviews in corporate review requests. I always give reviews for service like tradesman, troubleshooter phone techs, billing specialists helping bogus charges on an account. Thrush is. Over the years when I’m looking for a simple stock quote? Yahoo Finance keeps my interest until I’ve run out of time to continue reading. Not just about the stock quote I looked up but about that company and it’s about fact after fact, story after story. Best is Yahoo Finance stories are fact filled, easy to understand and lead to opportunities. Thanks again to Yahoo Finance, a team of teachers, Mule

Hi Mule, Thanks for letting us know! We also appreciate the five stars!-BR

The best finance app ever. 1 suggestion/request

I just love yahoo finance. It is the best finance app, which is the know fact. I love it, use it, rely on it, read news from it, have my own portfolio on it. But I have one request.
Please, I would live if you could make the graph more easily workable. Now when i click on the graph to check the prices of the stock in last couple days or week. It opens up a new page and then it is not very handy. Difficult to operate. This is the only part that I love of the ios Stocks app. Their graphs are very very handy and easy to work with. If at yahoo finance you could do the same, that would be just amazing and i will not have to go back to the ios stocks app for it. Currently i use the ios stocks app to move and see the rates of the stock on the graph, for everything else I use yahoo finance.
Hoping you guys read the request and work it.
I still gave 5 stars as i love yahoo finance, it is really really good with all the info and details. Just if you can fix this part, it will be a slam dunk.

Hi there. So glad that you like the app! Thanks so much for leaving a review. Should you have additional feedback, we'd love to hear from you. Please email us at [email protected] - MN

Yahoo Finance App Review

As far as the mechanics of the app, it works great. It keeps up fairly well with the current stock prices. It is easy to add, edit, or delete stock symbols from your watch list. There is also a little chart that provides the price direction of the stock although sometimes it is a little behind. The news section falls short of expectations though. It does provide links to articles to read but some are from other news sources that you have to subscribe to in order to read them. The Yahoo Finance articles have a definite leftist liberal bias and really don’t belong on a business app. Whoever the editor is, needs to be schooled on what is relevant business news and what is just a hit piece against the other side. The news articles also come too late to know what is going on if the market is making a big move. So I suggest that you spend less time promoting your political agenda and more time reporting what is currently going on in the market, like real business news, so traders can actually stay informed with information that affects their investments. You also should have a remark section on your articles so readers can give you feedback.

Subscriptions

Yahoo Finance+ Essential Month

The tools you need to invest with confidence.

Free Trial

The developer, Yahoo, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Contact Info
  • Identifiers
  • Usage Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

Privacy practices may vary, for example, based on the features you use or your age. Learn More

Information

Seller
Yahoo! Inc.

Size
109.3 MB

Category
Finance

Compatibility
iPhone
Requires iOS 14.0 or later.
iPad
Requires iPadOS 14.0 or later.
iPod touch
Requires iOS 14.0 or later.
Mac
Requires macOS 11.5 or later and a Mac with Apple M1 chip.
Apple TV
Requires tvOS 12.0 or later.
Languages

English, French, German, Italian, Portuguese, Spanish, Traditional Chinese

Age Rating
4+

Copyright
© 2021 Yahoo. All Rights Reserved.

Price
Free

In-App Purchases

  1. Yahoo Finance+ Essential Month$34.99
  2. Yahoo Finance+ Essential Year$349.99
  3. Yahoo Finance+ Lite Month$24.99
  4. Yahoo Finance+ Lite Year$249.99

Supports

  • Wallet

    Get all of your passes, tickets, cards, and more in one place.

  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

More By This Developer

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Источник: https://apps.apple.com/us/app/yahoo-finance/id328412701

When a Microsoft product collects age, and there is an age in your jurisdiction under which parental consent or authorization is required to use the product, the product will either block users under that age or will ask them to provide consent or authorization from a parent or guardian before they can use it. We will not knowingly ask children under that age to provide more data than is required to provide for the product.

Once parental consent or authorization is granted, the child's account is treated much like any other account. The child can access communication services, like Outlook and Skype, and can freely communicate and share data with other users of all ages. Learn more about parental consent and Microsoft child accounts.

Parents or guardians can change or revoke the consent choices previously made, and review, edit, or request the deletion of the personal data of the children for whom they provided consent or authorization. As the organizer of a Microsoft family group, the parent or guardian can manage a child’s information and settings on their Family Safety page and view and delete a child’s data on their privacy dashboard.

Select Learn more below for more information about children and Xbox profiles.

When a Microsoft product collects age, and there is an age in your jurisdiction under which parental consent or authorization is required to use the product, the product will either block users under that age or will ask them to provide consent or authorization from a parent or guardian before they can use it. We will not knowingly ask children under that age to provide more data than is required to provide for the product.

Once parental consent or authorization is granted, the child's account is treated much like any other account. The child can access communication services, like Outlook and Skype, and can freely communicate and share data with other users of all ages. Learn more about parental consent and Microsoft child accounts.

Parents or guardians can change or revoke the consent choices previously made, and review, edit, or request the deletion of the personal data of the children for whom they provided consent or authorization. As the organizer of a Microsoft family group, the parent or guardian can manage a child’s information and settings on their Family Safety page and view and delete a child’s data on their privacy dashboard.

Below is additional information about the collection of data from children as related to Xbox.

What is Xbox? Xbox is the gaming and entertainment division of Microsoft. Xbox hosts an online network that consists of software and enables online experiences crossing multiple platforms. This network lets your child find and play games, view content, and connect with friends on Xbox and other gaming and social networks. Children can connect to the Xbox network using Xbox consoles, Windows devices, and mobile devices (Android and iPhone).

Xbox consoles are devices your child can use to find and play games, movies, music, and other digital entertainment. When they sign in to Xbox, in apps, games or on a console, we assign a unique identifier to their device. For instance, when their Xbox console is connected to the internet and they sign in to the console, we identify which console and which version of the console’s operating system they are using.

Xbox continues to provide new experiences in client apps that are connected to and backed by services such as Xbox network and cloud gaming. When signed in to an Xbox experience, we collect required data to help keep these experiences reliable, up to date, secure, and performing as expected.

Data we collect when you create an Xbox profile. You as the parent or guardian are required to consent to the collection of personal data from a child under 13 years old. With your permission, your child can have an Xbox profile and use the online Xbox network. During the child Xbox profile creation, you will sign in with your own Microsoft account to verify that you are an adult organizer in your Microsoft family group. We collect an alternate email address or phone number to boost account security. If your child needs help accessing their account, they will be able to use one of these alternates to validate they own the Microsoft account.

We collect limited information about children, including name, birthdate, email address, and region. When you sign your child up for an Xbox profile, they get a gamertag (a public nickname) and a unique identifier. When you create your child’s Xbox profile you consent to Microsoft collecting, using, and sharing information based on their privacy and communication settings on the Xbox online network. Your child’s privacy and communication settings are defaulted to the most restrictive.

Data we collect. We collect information about your child’s use of Xbox services, games, apps, and devices including:

  • When they sign in and sign out of Xbox, purchase history, and content they obtain.
  • Which games they play and apps they use, their game progress, achievements, play time per game, and other play statistics.
  • Performance data about Xbox consoles, Xbox Game Pass and other Xbox apps, the Xbox network, connected accessories, and network connection, including any software or hardware errors.
  • Content they add, upload, or share through the Xbox network, including text, pictures, and video they capture in games and apps.
  • Social activity, including chat data and interactions with other gamers, and connections they make (friends they add and people who follow them) on the Xbox network.

If your child uses an Xbox console or Xbox app on another device capable of accessing the Xbox network, and that device includes a storage device (hard drive or memory unit), usage data will be stored on the storage device and sent to Microsoft the next time they sign in to Xbox, even if they have been playing offline.

Xbox console diagnostic data. If your child uses an Xbox console, the console will send required data to Microsoft. Required data is the minimum data necessary to help keep Xbox safe, secure, up to date, and performing as expected.

Game captures. Any player in a multiplayer game session can record video (game clips) and capture screenshots of their view of the game play. Other players’ game clips and screenshots can capture your child’s in-game character and gamertag during that session. If a player captures game clips and screenshots on a PC, the resulting game clips might also capture audio chat if your child’s privacy and communication settings on the Xbox online network allow it.

Captioning. During Xbox real-time (“party”) chat, players may activate a voice-to-text feature that lets them view that chat as text. If a player activates this feature, Microsoft uses the resulting text data to provide captioning of chat for players who need it. This data may also be used to provide a safe gaming environment and enforce the Community Standards for Xbox.

Data use. Microsoft uses the data we collect to improve gaming products and experiences— making it safer and more fun over time. Data we collect also enables us to provide your child with personalized, curated experiences. This includes connecting them to games, content, services, and recommendations.

Xbox data viewable by others. When your child is using the Xbox network, their online presence (which can be set to “appear offline” or “blocked”), gamertag, game play statistics, and achievements are visible to other players on the network. Depending on how you set your child’s Xbox safety settings, they might share information when playing or communicating with others on the Xbox network.

In order to help make the Xbox network a safe gaming environment and enforce the Community Standards for Xbox, we may collect and review voice, text, images, videos and in-game content (such as game clips your child uploads, conversations they have, and things they post in clubs and games).

Xbox data shared with game and apps publishers. When your child uses an Xbox online game or any network-connected app on their Xbox console, PC, or mobile device, the publisher of that game or app has access to data about their usage to help the publisher deliver, support, and improve its product. This data may include: your child’s Xbox user identifier, gamertag, limited account info such as country and age range, data about your child’s in-game communications, any Xbox enforcement activity, game-play sessions (for example, moves made in-game or types of vehicles used in-game), your child’s presence on the Xbox network, the time they spend playing the game or app, rankings, statistics, gamer profiles, avatars, or gamerpics, friends lists, activity feeds for official clubs they belong to, official club memberships, and any content they create or submit in the game or app.

Third-party publishers and developers of games and apps have their own distinct and independent relationship with users and their collection and usage of personal data is subject to their specific privacy policies. You should carefully review their policies to determine how they use your child’s data. For example, publishers may choose to disclose or display game data (such as on leaderboards) through their own services. You may find their policies linked from the game or app detail pages in our stores.

Learn more at Data Sharing with Games and Apps.

To stop sharing game or app data with a publisher, remove its games or app from all devices where they have been installed. Some publisher access to your child’s data may be revoked at microsoft.com/consent.

Managing child settings. As the organizer of a Microsoft family group, you can manage a child’s information and settings on their Family Safety page, as well as their Xbox profile privacy settings from their Xbox Privacy & online safety page.

You can also use the Xbox Family Settings app to manage your child’s experience on the Xbox Network including: spending for Microsoft and Xbox stores, viewing your child’s Xbox activity, and setting age ratings and the amount of screen time.

Learn more about managing Xbox profiles at Xbox online safety and privacy settings.

Learn more about Microsoft family groups at Simplify your family’s life.

Accessing child data.  As the organizer of a Microsoft family group, a parent can view and delete a child’s data on their privacy dashboard. The dashboard allows you to review your child's personal information, have it deleted, and refuse to permit further collection or use of your child's information.

To close your child’s account, sign in with their account info at  account.microsoft.com/profile and select ”How to close your account.” 

Legacy.

  • Xbox 360. This Xbox console collects limited required diagnostic data. This data helps keep your child’s console functioning as expected.
  • Kinect. The Kinect sensor is a combination of camera, microphone, and infrared sensor that can enable motions and voice to be used to control game play. For example:
    • If you choose, the camera can be used to sign in to the Xbox network automatically using facial recognition. This data stays on the console, is not shared with anyone, and can be deleted at any time.
    • For game play, Kinect will map distances between the joints on your child’s body to create a stick figure representation to enable play.
    • The Kinect microphone can enable voice chat between players during play. The microphone also enables voice commands for control of the console, game, or app, or to enter search terms.
    • The Kinect sensor can also be used for audio and video communications through services such as Skype.

Learn more about Kinect at Xbox Kinect and Privacy.

Источник: https://privacy.microsoft.com/en-us/privacystatement

Yahoo customer service phone number for your region -

In order to improve your use of this website, and provide the most relevant information to our site visitors and customers, we utilize text files known as "cookies" that are stored within your computer’s or mobile device’s memory by a website through your browser. More information on the use of cookies on this website is available in our Privacy Policy. By dismissing this message or navigating through the website, you are agreeing to the use of cookies described above.

This site uses cookies,

In order to improve your use of this website, and provide the most relevant information to our site visitors and customers, we utilize text files known as "cookies" that are stored within your computer’s or mobile device’s memory by a website through your browser.

More information on the use of cookies on this website is available in our Privacy Policy.

By dismissing this message or navigating through the website, you are agreeing to the use of cookies described above.

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Источник: https://www.ameren.com/

List of Yahoo!-owned sites and services

Yahoo!, once one of the most popular web sites in the United States, is as of 2021 a content sub-division of the namesake company Yahoo! Inc., which most of its stakes owned by Apollo Global Management. It has offered a wide range of sites and services since its inception in 1994, a majority of which are now defunct.

Current Yahoo! services[edit]

Yahoo offers a multi-lingual interface available in over 20 languages: Yahoo International. Yahoo! Japan is a separate entity, controlled by SoftBank.[1]Yahoo!Xtra, launched in 2007 in New Zealand is owned by Yahoo!7, a joint venture between Yahoo! and the Seven Network.

  • My Yahoo! - Enables users to combine their favorite Yahoo features, content feeds, and information onto a single page.
  • Yahoo! Plus - a collection of individual subscriptions: Yahoo Mail Plus, Yahoo Finance Plus, Yahoo Fantasy Plus, Yahoo Plus Protect Home, Yahoo Plus Protect Mobile, Yahoo Plus Secure and Yahoo Plus Support

Defunct Yahoo! services[edit]

  • Yahoo Accessibility Lab - Improved access to the Internet for the disabled community.[8]
  • Ask Yahoo! - A Q&A platform that was shut down in March 2006 due to the release of Yahoo! Answers. On May 16, 2013, a new version of Ask Yahoo was launched.
  • Yahoo Aviate - Provided contextually relevant information on Android home screens; it was acquired in 2014 and shut down on March 8, 2018.
  • Bix - A website that provided tools for the creation of contests; acquired by Yahoo on November 16, 2006 and shut down on June 30, 2009.[20][21]
  • Yahoo! Buzz - A community-based news article service that allowed users to publish news stories; shut down on April 21, 2011.[26] MyBlogLog was discontinued on May 24, 2011.[27]
  • Fire Eagle - A location brokerage service created by Yahoo Brickhouse; launched in March 2008.
  • Yahoo! Go - A Java based phone application with access to most of Yahoo! services; shut down on January 12, 2010.
  • Yahoo! Green - News, ideas, and discussion about ways to promote an environmentally conscious lifestyle; shut down in 2012.
  • Yahoo! Homes - Offered Real estate-related news, home prices.
  • IntoNow from Yahoo - Gave users the ability to almost instantly recognize TV content; acquired in Spring 2011 and shut down in March 2014.[46]
  • Jumpcut.com - A service where the uploaded photos and videos can be edited online; shut down in June 2009.[47]
  • Yahoo! Kickstart - A professional network targeting college students, recent grads, employers, professionals, and alumni. Shut down in December 2008.[55]
  • Yahoo! Kids - A children's version of the Yahoo! portal, it offered online safety tips and parental controls; shut down in April 2013 due to declining popularity.[56]
  • Yahoo! Live - Allowed users to broadcast videos in real time; shut down on December 3, 2008.
  • Yahoo! Media Player / Web Player - A computer based media player that was based on Microsoft's Windows Media Player and was similar to other competing media players such as MusicMatch or Winamp.
  • Yahoo! Music - Provided Internet radio, music videos, news, artist information, and original programming; shut down in September 2018 and consolidated into Yahoo! Entertainment's "Music" section.
  • Yahoo! Next - An incubation ground for future Yahoo technologies.
  • Yahoo! Pipes - A free RSS mashup visual editor and hosting service; shut down on September 30, 2015.
  • Yahoo! Profile / Yahoo Pulse - A directory of Yahoo users with their personal information.
  • Rocketmail - An email service acquired in 1997. Shut down but users were able to use an @rocketmail.com email address.[63]
  • Yahoo SearchMonkey - Allowed developers and site owners to use structured data to make Yahoo Search results more useful and visually appealing, and drive more relevant traffic to their sites; shut down in October 2010 as part of the Microsoft and Yahoo search partnership.[67]
  • Shine - A site tailored for women between the ages of 25 and 54. Launched On March 31, 2008.[68] It was shut down in 2014.[69]
  • Yahoo! Widgets - A cross-platform desktop widget runtime environment; shut down in March 2012.

References[edit]

  1. ^Dillet, Romain (November 13, 2019). "Yahoo Japan and Line are reportedly going to merge". TechCrunch.
  2. ^"Yahoo to close North American auction site". NBC News. Associated Press. May 9, 2007.
  3. ^Arrington, Michael (March 28, 2007). "Yahoo Mail Announces Unlimited Storage". TechCrunch.
  4. ^RODRIGUEZ, SALVADOR (October 8, 2013). "Yahoo cuts 'unlimited' email storage, hoping 1 terabyte sounds better". Los Angeles Times.
  5. ^Constine, Josh (June 2, 2013). "Yahoo Shuts Down Mail Classic, Forces Switch To New Version That Scans Your Emails to Target Ads". TechCrunch.
  6. ^Kincaid, Jason (August 25, 2009). "Confirmed: Yahoo Acquires Arab Internet Portal Maktoob". TechCrunch. Archived from the original on September 5, 2012.
  7. ^Perez, Juan Carlos (May 29, 2009). "Yahoo Sets Date for Shutting Down 360 Social Network". Computerworld.
  8. ^Cooper, Chet; Angeles, Liz (February–March 2011). "Yahoo! and Accessibility". Ability Magazine. Archived from the original on October 4, 2012.
  9. ^"Yahoo! to Acquire AdInterax" (Press release). Archived from the original on 2014-05-12.
  10. ^Statt, Nick (April 5, 2021). "Yahoo Answers will be shut down forever on May 4th". The Verge.
  11. ^Keane, Meghan (September 24, 2008). "Yahoo Announces New Digital Ad Platform". Wired. Archived from the original on October 9, 2012. Retrieved July 22, 2012.
  12. ^"Yahoo! Plans to Offer Person-to-Person Payment Solution to Buyers and Sellers; Company Acquires Arthas.com, a Leading Person-to-Person Technology Platform" (Press release). Business Wire. March 23, 2000.
  13. ^Blair, Nancy (August 5, 2013). "Yahoo shutters to-do list app Astrid". USA Today.
  14. ^Velazko, Chris (July 6, 2013). "Yahoo's Recently Acquired Task Tracking Service Astrid Will Go Dark On August 5". TechCrunch. Archived from the original on July 12, 2013.
  15. ^Kludt, Tom (February 17, 2016). "Yahoo shuts down seven digital magazines". CNN.
  16. ^Moreau, Elise (February 24, 2020). "What Happened to Yahoo Avatars and Yahoo 360?". Lifewire.
  17. ^Bishop, Todd (May 23, 2012). "A web browser from Yahoo? 'Axis' makes surprise debut". GeekWire.
  18. ^ abRossiter, Jay (28 June 2013). "Keeping our Focus on What's Next". Tumblr.
  19. ^Barron, Brenda (December 22, 2020). "How Babel Fish Got Lost In Translation: A History Lesson". Digital.com.
  20. ^"Yahoo! Acquires Contest Site Bix". Techcrunch. November 16, 2006. Archived from the original on 2006-11-20.
  21. ^"Yahoo Shuts Bix Down. Did Anyone Notice?". TechCrunch. August 4, 2009. Archived from the original on 2010-02-03.
  22. ^LeMay, Renai (June 15, 2005). "Yahoo acquires blog directory". ZDNet.
  23. ^Kee, Tameka (April 21, 2009). "Yahoo Spins Off Blo.gs To Automattic". CBS News.
  24. ^Marshall, Matt (April 22, 2009). "Blog company Automattic buys Blo.gs". VentureBeat.
  25. ^Lawson, Stephen (January 31, 2009). "Yahoo's Briefcase storage service to close March 30". Computerworld.
  26. ^"Another One Bites The Dust: Yahoo To Kill Buzz On April 21". Techcrunch. April 18, 2011. Archived from the original on 2017-07-30.
  27. ^Lee, Amy (February 24, 2011). "Yahoo to close MyBlogLog this May". HuffPost. Archived from the original on March 4, 2011.
  28. ^"Yahoo ceases China news and community services". BBC News. September 2, 2013. Archived from the original on September 27, 2013.
  29. ^Shu, Catherine (September 1, 2013). "Yahoo China Shuts Down Its Web Portal". TechCrunch.
  30. ^Efrati, Amir (October 17, 2010). "Yahoo to Offer Media Links". The Wall Street Journal. Archived from the original on April 10, 2015.
  31. ^"Yahoo Sells Delicious To YouTube Founders". TechCrunch. April 27, 2017. Archived from the original on 2017-07-30.
  32. ^"YouTube founders buy Delicious from Yahoo". BBC News. April 28, 2017.
  33. ^McCarthy, Caroline (December 16, 2010). "Yahoo! slashing products like Delicious, MyBlogLog". CNET. Archived from the original on September 29, 2011.
  34. ^Sullivan, Danny (December 27, 2014). "Yahoo Directory Closes, Five Days Early". Search Engine Land.
  35. ^Moon, Mariella (March 15, 2016). "Yahoo Games is shutting down in May". Engadget.
  36. ^Wawro, Alex (March 11, 2016). "After nearly 20 years, Yahoo Games is shutting down". Gamasutra.
  37. ^"Yahoo! buys GeoCities". CNN. January 28, 1999.
  38. ^Jensen, K. Thor (December 8, 2016). "Exploring the Most Popular Websites of the Last 20 Years". PC Magazine.
  39. ^Fletcher, Dan (November 9, 2009). "Internet Atrocity! GeoCities' Demise Erases Web History". Time. Archived from the original on July 9, 2012.
  40. ^Milian, Mark (October 26, 2009). "GeoCities' time has expired, Yahoo closing the site today". Los Angeles Times. Archived from the original on December 21, 2012.
  41. ^"GeoCities Special Collection 2009: Saving a Historical Record of GeoCities". Internet Archive. 2009.
  42. ^"Geocities Archive Geocities Mirror / The 90s Archive". OOCities.org.
  43. ^Cimpanu, Catalin (October 12, 2020). "Yahoo Groups to shut down for good on December 15, 2020". ZDNet.
  44. ^Saroha, Aditya (October 13, 2020). "Yahoo Groups to shut down on December 15". The Hindu.
  45. ^Schonfeld, Erick (February 3, 2010). "Monster Buys HotJobs from Yahoo for $225 Million". TechCrunch.
  46. ^Lawler, Ryan (January 28, 2014). "Yahoo Is Shutting Down IntoNow, Nearly Three Years After Acquisition". TechCrunch.
  47. ^Arrington, Michael (April 15, 2009). "Yahoo Shutting Down The Rest Of Jumpcut In June". TechCrunch.
  48. ^"Breaking: Yahoo Finally Sells Off Kelkoo". TechCrunch. November 21, 2008.
  49. ^Andrews, Robert (November 21, 2008). "Yahoo sells off European comparison shopping site Kelkoo to PE firm". The Guardian.
  50. ^Kim, Miyoung (October 19, 2012). "Yahoo to exit South Korea in first Asian pullout". Reuters.
  51. ^"YAHOO EXITS SOUTH KOREA, AS PROMISED". PC Magazine. December 31, 2012.
  52. ^Russell, Jon (October 19, 2012). "Yahoo confirms it will leave South Korea by the end of the year". The Next Web.
  53. ^Grazella, Mariel (June 30, 2012). "Yahoo! drops Koprol in global overhaul". The Jakarta Post. Archived from the original on July 3, 2012.
  54. ^Kevin, Joshua (June 29, 2012). "Yahoo is Shutting Down Koprol in Two Months". Tech in Asia. Archived from the original on August 2, 2012.
  55. ^"Another One Bites The Dust: Yahoo Shutters Kickstart". TechCrunch. December 17, 2008.
  56. ^Protalinski, Emil (April 19, 2013). "Yahoo cuts the deadwood with closures". The Next Web. Archived from the original on May 15, 2013.
  57. ^Nieva, Richard (June 4, 2015). "Yahoo to shut down its Maps site". CNET.
  58. ^"Yahoo moves in a new direction and shuts down maps". Los Angeles Times. June 4, 2015.
  59. ^Spangler, Todd (January 3, 2014). "Yahoo Will Drop 'omg!' Brand from Celebrity News Site". Variety.
  60. ^GLAUDE, TORI (January 21, 2019). "Yahoo! Personals Alternatives to Try After the Shut Down". Zoosk.
  61. ^Auchard, Eric (May 4, 2007). "Yahoo to shut down Yahoo Photos service, push Flickr". Reuters.
  62. ^Perez, Juan Carlos (March 31, 2010). "Yahoo to shut down small-publisher ad network". Computerworld.
  63. ^Blitstein, Scott (June 19, 2008). "Rocketmail Returns as Yahoo! Offers Two New Email Domains". GigaOm.
  64. ^Wallenstein, Andrew (January 4, 2016). "Yahoo Screen Shuttered: Video Service Hosted 'Community'; NFL Telecast". Variety. Archived from the original on 2016-01-04.
  65. ^Schonfeld, Erick (August 4, 2008). "Yahoo Boss Is So Open, It Runs on Google's App Engine". The Washington Post. Archived from the original on December 20, 2012.
  66. ^"New Yahoo app to challenge Apple FaceTime on iPhone". Reuters. October 7, 2010. Archived from the original on July 11, 2011.
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  68. ^Jesdanun, Anick (March 31, 2008). "New Yahoo site to 'Shine' on women". NBC News.
  69. ^Miners, Zach (July 2, 2014). "Lights out for Yahoo's Shine site, Xobni email apps, other products". Computerworld.
  70. ^Young, Rob D. (July 12, 2011). "Yahoo Site Explorer Shutting Down". Search Engine Journal.
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  72. ^Gupta, Sahil Mohan (February 18, 2016). "Yahoo shutting down multiple digital news sites". India Today.
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  74. ^Clampet, Jason (February 17, 2016). "Yahoo Travel Shuttered as Part of Company-Wide Reorganization". Skift.
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Источник: https://en.wikipedia.org/wiki/List_of_Yahoo!-owned_sites_and_services

Yahoo Terms of Service

Exciting news! Our parent company has been acquired by funds managed by affiliates of Apollo Global Management, Inc. and its consolidated subsidiaries. Read more in our press release. For now, the way we process your information and the company providing the sites and apps you use remain the same.

In June 2017, we announced that Yahoo and AOL joined to become a unified digital and mobile media company. We are now operating under these unified Yahoo Terms of Service. If you have a Yahoo or an AOL account, you will need to agree to these Terms. (Note, if you have not yet agreed to these Terms, the legacy Yahoo Terms of Service or legacy Oath Terms of Service (for AOL) still apply to your account.) For all Yahoo products or services that are accessed without signing into an account, the Terms below apply to those products and services effective May 25, 2018. If you are creating a new account, the Terms below apply starting today.

Yahoo Terms of Service
  1. Welcome to Yahoo

    Yahoo Inc. and all of its brands listed in Section 13 (including Yahoo and AOL brands) and the corporate entities listed in Sections 13 and Section 14 (collectively, “Yahoo”, “us,” “we” or “our”) are part of the Yahoo family of companies. Our brands, websites, apps, products, services and technologies (“Services”) are provided by the entities listed in Section 13 below. Please carefully read Sections 1 through 13, 14.1, and 14.2, which are the sections that apply to you.

    By using the Services, you agree to these terms, the policies in our Privacy Center, and any community guidelines and supplemental terms provided to you for the Services that you use (collectively, “Terms”). Please read the Terms carefully, as they form your entire agreement with us.

    THESE TERMS CONTAIN LIMITATIONS OF OUR LIABILITY IN SECTION 9. 

    U.S. USERS: THESE TERMS CONTAIN A BINDING ARBITRATION AGREEMENT AND CLASS ACTION AND JURY TRIAL WAIVER CLAUSES IN SECTION 14.2 BELOW, WHICH ARE APPLICABLE TO ALL U.S. USERS.

  2. Using the Services

    1. Authority. You agree that you are permitted to use the Services under applicable law. If you are using the Services on behalf of a company, business or other entity, you represent that you have the legal authority to accept these Terms on behalf of that entity, in which case that entity accepts these Terms, and "you" means that entity. If you are accessing an account(s) on behalf of the account owner (e.g., as an administrator, consultant, analyst, etc.), the Terms apply to your activities on behalf of the account owner.

    2. Indemnity. If you are using the Services on behalf of a company, business or other entity, or if you are using the Services for commercial purposes, you and the entity will hold harmless and indemnify the Yahoo Entities (defined in Section 8 below) from any suit, claim or action arising from or related to the use of the Services or violation of these Terms, including any liability or expense arising from claims (including claims for negligence), losses, damages, suits, judgments, litigation costs and attorneys’ fees.

    3. Age. If you are under the Minimum Age (as defined for your region in Section 14) you may not register for an account. Unless you are the holder of an existing account in the United States that is a Yahoo Family Account, you must be at least the Minimum Age to use the Services. Certain portions of the Services contain adult and/or mature content. Please do not access that content unless you are an adult (i.e., at least the age of majority in your country) or unless otherwise expressly indicated.

    4. Member conduct. You agree not to use the Services in any manner that violates these Terms or our Community Guidelines, including to:

      1. obtain or attempt to obtain unauthorized access to the Services or to our servers, systems, network, or data;

      2. make available any content that is harmful to children, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically, or otherwise objectionable;

      3. violate any applicable laws or regulations;

      4. impersonate any person or entity; or forge or manipulate headers or identifiers to disguise the origin of any content transmitted through the Service;

      5. make available any content that you do not have the right to make available or that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any person or entity;

      6. post content containing advertisements or other commercial solicitations without our prior written permission;

      7. make available viruses or any other computer code, files, programs or content designed to interrupt, destroy or limit the functionality of the Services or affect other users; or

      8. interfere with or disrupt the Services or servers, systems or networks connected to the Services in any way.

    5. Use of Services. You must follow any guidelines or policies associated with the Services. You must not misuse or interfere with the Services or try to access them using a method other than the interface and the instructions that we provide. You may use the Services only as permitted by law. Unless otherwise expressly stated, you may not access or reuse the Services, or any portion thereof, for any commercial purpose.

    6. Export Control. You agree to comply with the export control laws and regulations of the United States and trade controls of other applicable countries, including without limitation the Export Administration Regulations of the U.S Department of Commerce, Bureau of Industry and Security and the embargo and trade sanctions programs administered by the U.S. Department of Treasury, Office of Foreign Assets Control. You represent and warrant that you: (1) are not a prohibited party identified on any government export exclusion lists (see e.g., http://www.bis.doc.gov/complianceandenforcement/liststocheck.htm); (2) will not re-export or use the Services to transfer software, technology, or other technical data to prohibited parties or countries; and (3) will not use the Services for military, nuclear, missile, chemical or biological weaponry end uses or conduct any other activities involving the Services that violate the export and import laws of the U.S. or other applicable countries.

    7. Anti-Corruption Laws. You agree to comply with all applicable anti-corruption laws including laws that prohibit unlawful payments to anyone for a corrupt purpose in relation to these Terms.

    8. Ownership and Reuse. Using the Services does not give you ownership of any intellectual or other property rights or interests in the Services or the content you access. You must not use any branding or logos used in the Services unless we have given you separate explicit written permission. You may not remove, obscure, or alter any legal notices displayed in or along with the Services. Unless you have explicit written permission, you must not reproduce, modify, rent, lease, sell, trade, distribute, transmit, broadcast, publicly perform, create derivative works based on, or exploit for any commercial purposes, any portion or use of, or access to, the Services (including content, advertisements, APIs, and software).

    9. Software License. Subject to your continuing compliance with these Terms, we grant you a personal, royalty-free, non-transferable, non-assignable, revocable, and non-exclusive license to use the software and APIs we may provide to you as part of the Services. This license is for the sole purpose of enabling you to use and enjoy the benefit of the Services we provide, in the manner permitted by these Terms and any additional terms or guidelines. You may not reverse engineer or attempt to extract the source code of our software, unless applicable laws prohibit those restrictions or you have our explicit written permission. Our software may automatically download and install security or other updates without prior notification to you.

    10. Support. Unless otherwise expressly stated, we do not promise to provide you with any support for the Services. If we provide you with support, it is at our sole discretion and does not mean that we will continue to provide you with support in the future.

    11. Fees. We reserve the right to charge fees for use of or access to the Services (and any associated support), whether currently in existence or not, in our sole discretion. If we decide to charge fees, our payment terms will apply and we will provide you with prior notice.

    12. Different Versions of the Services. Different features may be available in different versions of the Services and not all features may be available in your country or region. Also, not all features may be available if the user that you are communicating with is using a different version of the Services, or is using third party software.

    13. Anti-Abuse Policy. We prohibit sending unsolicited emails or messages using our Services. You may not in connection with the Services engage in commercial activity on non-commercial properties or apps or high volume activity without our prior written consent. You may not engage in conduct or activity that is disruptive to the Services or the experience of other users.

    14. Envrmnt 360 Terms. U.S. Users: The Envrmnt 360 terms apply to you and can be found here and here in Spanish.

    15. RSS Feeds. If you use an RSS feed provided by us (each, a “Yahoo RSS Feed”), you are only permitted to display the content that is provided in the feed, without modification, and you must provide attribution to our source website and link to the full article on Yahoo RSS Feed content. You may not incorporate advertising into any Yahoo RSS Feed. We reserve the right to discontinue any Yahoo RSS Feed at any time and to require anyone to cease use of a Yahoo RSS Feed at any time for any reason. Each of our products or services may also have more specific terms of use for related Yahoo RSS Feeds.

  3. Your Account; Notices

    1. Account Information. You may need an account to use some Services. You must ensure that your account information (that is, the information you provided when you registered for or subscribed to a Service) remains current, complete, accurate and truthful. With the exception of AOL accounts, all Yahoo accounts are non-transferable, and any rights to them terminate upon the account holder’s death.

    2. Access to Your Account. You are responsible for all activity that happens on or through your account. To protect your account, keep your password confidential. Do not reuse your account password with other services. Without prejudice to your statutory rights, if you forget your password and otherwise cannot validate your account to Yahoo, you acknowledge and agree that your account may be inaccessible to you and that all data associated with the account may not be retrievable.

    3. Notices. Yahoo may provide you with notices, including service announcements and notices regarding changes to these Terms, by, but not limited to, email, regular mail, text message or SMS, MMS, push notification or in-app message, postings on the Services, telephone, or other reasonable means now known or hereafter developed. You consent to receive these notices by any and all of the foregoing means. You may not receive notices if you violate the Terms by accessing the Services in an unauthorized manner, and you will be deemed to have received any and all notices that would have been delivered had you accessed the Services in an authorized manner.

  4. Privacy and Data Protection

    Our Privacy Center explains how we treat your personal data. By using the Services, you agree to our privacy policies and that we can use your information in accordance with our privacy policies. By using and benefitting from Yahoo's Services you recognize that personalization lies at the core of many of our services. We can only provide many of these Services by using your personal data to provide personalized content and ads. Please visit our Privacy Center to learn more about personalization.

  5. Procedure for Copyright or Other Intellectual Property Infringement Claims

    We respect the intellectual property of others, and we expect our users to do the same. We may, in appropriate circumstances and at our discretion, disable, terminate, and/or take other appropriate steps relating to the accounts of users who may be infringers. If you believe that your copyright or intellectual property rights have been infringed, please follow the instructions provided here.

  6. Content in the Services and License Grant to Yahoo 

    1. Content. Our Services display some content that we did not create and do not own. This content is the sole responsibility of the entity or person that makes it available. We assume no responsibility for the conduct of third parties, including persons or entities with which you communicate using the Services. Many of the Services enable you to submit content. You – not Yahoo – are entirely responsible for any content that you upload, post, email, transmit, or otherwise make available via the Services. We may remove and refuse to display content that violates the Terms or applicable laws or regulations, but that does not mean that we monitor the Services or review or screen any content. By using or accessing the Services you understand and agree that you may be exposed to offensive, indecent, or objectionable content.

    2. IP Ownership and License Grant. Except as otherwise provided in the specific product terms or guidelines for one of our Services, when you upload, share with or submit content to the Services you retain ownership of any intellectual property rights that you hold in that content and you grant to us a worldwide, royalty-free, non-exclusive, perpetual, irrevocable, transferable, sublicensable license to (a) use, host, store, reproduce, modify, prepare derivative works (such as translations, adaptations, summaries or other changes), communicate, publish, publicly perform, publicly display, and distribute this content in any manner, mode of delivery or media now known or developed in the future; and (b) permit other users to access, reproduce, distribute, publicly display, prepare derivative works of, and publicly perform your content via the Services, as may be permitted by the functionality of those Services (e.g., for users to re-blog, re-post or download your content). In some of the Services, there may be specific terms or settings allowing a different scope of use of the content submitted in those Services. You must have the necessary rights to grant us the license described in this Section 6(b) for any content that you upload, share with or submit to the Services.

  7. Modifying and Terminating the Services; Terminating Accounts

    1. We are constantly innovating, changing and improving the Services. Unless stated differently for your country in Section 14, we may, without notice, add or remove functionalities or features, create new limits to the Services, or temporarily or permanently suspend or stop a Service.

    2. You can stop using the Services at any time. You may cancel and delete your AOL account at any time by clicking here and you may cancel and delete your Yahoo account by clicking here. For more information, please visit the relevant Help Center.

    3. Unless stated differently for your country in Section 14, we may temporarily or permanently suspend or terminate your account or impose limits on or restrict your access to parts or all of the Services at any time, without notice and for any reason, including, but not limited to, violation of these Terms, court order, or inactivity.

    4. Subject to any statutory rights you might have, if your account is terminated, access to your username, password, and all related information, files, and content associated with your account may be terminated and your username may be recycled for use by others. If the Service is a paid service, please consult our payment terms which can be found by clicking here.

  8. Our Warranties and Disclaimers

    1. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE, ALONG WITH OUR PARENT COMPANIES, SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, PARTNERS, LICENSORS AND DISTRIBUTORS (COLLECTIVELY YAHOO ENTITIES) DO NOT MAKE ANY REPRESENTATIONS, PROMISES, OR WARRANTIES, EXPRESS OR IMPLIED, ABOUT THE SERVICES. WE PROVIDE OUR SERVICES “AS-IS,” “WITH ALL FAULTS,” AND “AS AVAILABLE.” YOUR USE OF THE SERVICES, INCLUDING CONTENT WITHIN THE SERVICES, IS AT YOUR OWN RISK AND WE DO NOT REPRESENT, PROMISE, OR WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE. YOU UNDERSTAND AND AGREE THAT NO DATA TRANSMISSION OVER THE INTERNET OR INFORMATION STORAGE TECHNOLOGY CAN BE GUARANTEED TO BE SECURE, AND WE EXPRESSLY DISCLAIM ANY WARRANTIES, EXPRESS OR IMPLIED, TO THAT EFFECT. WE MAKE NO COMMITMENTS, PROMISES OR WARRANTIES ABOUT THE CONTENT WITHIN THE SERVICES OR CONTENT LINKED FROM THE SERVICES, THE SUPPORT WE PROVIDE FOR THE SERVICES, THE SPECIFIC FUNCTIONS OF THE SERVICES, THE SECURITY OF THE SERVICES, OR THE SERVICES’ RELIABILITY, QUALITY, ACCURACY, AVAILABILITY, OR ABILITY TO MEET YOUR NEEDS, PROVIDE CERTAIN OUTPUTS OR ACHIEVE CERTAIN RESULTS.

    2. SOME JURISDICTIONS PROVIDE FOR CERTAIN IMPLIED WARRANTIES, SUCH AS THE IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ANY AND ALL IMPLIED OR EXPRESS PROMISES OR WARRANTIES ABOUT THE SERVICES.

  9. Limitation of Liability

    TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE AND UNDERSTAND THAT YAHOO ENTITIES WILL NOT BE LIABLE FOR: ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, TREBLE OR OTHER MULTIPLES OF DAMAGES, EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE SERVICES.YAHOO ENTITIES WILL NOT BE LIABLE FOR PROBLEMS CAUSED BY OTHERS, THE WRONGFUL OR UNLAWFUL ACTIONS OF THIRD PARTIES, OR AN ACT OF GOD. THE LIMITATIONS AND EXCLUSIONS IN THESE TERMS WILL APPLY WHETHER OR NOT WE HAVE BEEN ADVISED OF OR SHOULD HAVE BEEN AWARE OF THE POSSIBILITY OF ANY LOSSES ARISING.

    TO THE FULLEST EXTENT PERMITTED BY LAW AND EXCEPT AS OTHERWISE STATED IN SECTION 14, YAHOO ENTITIES ARE NOT LIABLE IN CONNECTION WITH ANY DISPUTES THAT ARISE OUT OF OR RELATE TO THESE TERMS OR SERVICES FOR ANY AMOUNT GREATER THAN THE AMOUNT YOU PAID TO US FOR THE SERVICES.

  10. Feedback

    You agree that any recommendation, idea, proposal, suggestion, feedback or other input (“Feedback”) you submit to us related to our products, services, websites, apps, or technology may be used by us without any notice, obligation, restriction, reimbursement or compensation to you and you waive (or agree not to enforce) any and all rights that may now or in future exist (including moral and equivalent rights) in any Feedback.

  11. Fee-Based Services and Billing. Unless otherwise specified in the additional terms that apply to the Services you are using, the terms in this Section 11 apply to you.

    1. We offer products and subscriptions for a fee (“fee-based Services”). These fee-based Services are governed by the additional terms you agree to when you register for the fee-based Service and these Terms. If you register for a fee-based Service, you must designate a payment method and provide us with accurate billing and payment information and you have the continuing obligation to keep it up to date. Many fee-based Services require you to have, or register for, a Yahoo or AOL ID. If you are an AOL Dial-Up customer, please see additional terms by clicking here.

    2. The following important provisions apply to all of our fee-based services:

      1. Third-Party products. If the fee-based Service includes a third-party product, you understand and agree that your purchase and use of the Service is also subject to the third party’s terms of service and privacy policy, which you should read thoroughly before agreeing to them.

      2. Payments. You represent that you are at least the minimum age required to enter into a legal agreement. You agree to pay us for any fee-based Services you purchase from us, as well as all other charges incurred under your account, including applicable taxes and fees. You are responsible for all charges incurred under your account, including purchases made by you or anyone you allow to use your account or any sub-or linked accounts (including any person with implied, actual, or apparent authority) or anyone who gains access to your account as a result of your failure to safeguard your authentication credentials.

      3. Payment Methods. You authorize and direct us to charge your designated payment method for these charges or, if it fails, to charge any other payment method you have on file with us, even if we received it in association with other fee-based services. You are responsible for all charges even if your payment method fails or is denied. You authorize and direct us to retain all information about any payment method(s) associated with your account. We may import payment information you entered during a prior purchase and provide you the option to use that payment information during purchase of a new product. You permit us to obtain and use updated information from the issuer of your payment method in accordance with the policies and procedures of any applicable card brands. We may in some instances continue charging a payment method past its expiration date at our discretion and subject to the payment processors' or issuing bank's approval. Surcharges may apply if you use certain payment methods, such as payment from your checking or savings account.

      4. Payment Terms. We may charge for fee-based Services in advance and on a daily, monthly, yearly, lump sum, or other basis in accordance with the stated terms, as long as your subscription remains active, even if you have not downloaded or used the Service or accessed your online account.

      5. Auto-Renewal. We use auto-renewal for many of our fee-based Services. At the expiration of each subscription term for such fee-based Services, we will automatically renew your subscription and charge the credit card or other payment method you have provided to us, unless you cancel your subscription at least 48 hours before the end of the current period. Unless otherwise stated in Section 14, your subscription will be automatically renewed at the then-current price, excluding promotional and discount pricing. We may, in our sole discretion, post charges to your payment method individually or aggregate charges for some or all of your fee-based Services with us.

      6. Fraud Protection. We may take steps to verify the validity of the credit card information you provide to us, including debiting amounts less than $1.00 from your credit card and then immediately crediting it back. You authorize us to do so for verification and anti-fraud purposes.

      7. Free Trials. We may offer you free trials, so that you may try a fee-based Service subscription without charge or obligation ("Free Trial"). Unless otherwise stated and unless you cancel your subscription prior to the expiration of the Free Trial, periodic subscription fees will be charged at the then-applicable rate upon expiration of the Free Trial period and will continue to be charged until the subscription is canceled. If you are not satisfied with a particular fee-based Service, you must cancel the subscription before the Free Trial ends to avoid charges. We reserve the right to limit you to one free trial or promotion of a fee-based Service and to prohibit the combining of free trials or other promotional offers.

      8. No Refunds. All charges are nonrefundable unless provided otherwise in the terms you agree to when you register for a fee-based Service, unless stated differently for your country in Section 14 or as otherwise specified below.

      9. Termination. We, in our sole discretion, may change, discontinue or terminate any or all aspects of a fee-based Service without notice, including access to support services, content and other products or services ancillary to the fee-based Service, subject to providing an appropriate refund for any portions of a specified but no longer available term. You may cancel a fee-based Service at any time by logging into your online account and terminating the subscription.

      10. Change in Fees and Billing Method. We may change our fees and billing methods at any time. We will provide you with notice of any price increase at least thirty (30) days in advance. Subject to applicable law, (i) if you disagree with any proposed change, your sole remedy is to cancel your fee-based Service before the price change takes effect and (ii) your continued use of or subscription to the Service after the price change takes effect constitutes your agreement to pay the new price for the Service.

      11. Delinquency. After 30 days from the date of any unpaid charges, your fee-based Service will be deemed delinquent and we may terminate or suspend your account and fee-based Service for nonpayment. You are liable for any fees, including attorney and collection fees, incurred by us in our efforts to collect any remaining balances from you.

      12. 90-Day Notice Period. You must notify us about any billing problems or discrepancies within 90 days after they first appear on your billing method statement. If you do not bring them to our attention within 90 days, you agree that you waive your right to dispute such problems or discrepancies.

  12. About these Terms

    1. Third Party Beneficiaries and Conflicts. These Terms control the relationship between you and us. They do not create any third party beneficiary rights. If there is a conflict or inconsistency between the terms in this document and the additional terms associated with a particular Service, the additional terms will control solely for that conflict or inconsistency.

    2. Modification of the Terms. Unless stated differently for your country in Section 14, we may modify the Terms from time to time. Unless we indicate otherwise, modifications will be effective as of the date they are posted on this page or any successor page. You should look at the Terms regularly. We will provide notice (in accordance with Section 3(c) above) of material modifications.

    3. Continued Use of the Services. You may stop using the Services at any time, but your continued use of or subscription to a Service after the effective date of any modifications to the Terms or the means that you agree to the Terms as modified.

    4. Waiver and Severability of Terms. Our failure to exercise or enforce any right or provision of these Terms will not constitute a waiver of such right or provision. If any provision (or part of a provision) of these Terms is found to be invalid, you and we nevertheless agree to give effect to the intentions as reflected in the provision, and the other provisions of these Terms remain in full force and effect.

    5. Assignment by Us. We may freely assign these Terms and all of the policies and other documents incorporated or referenced in it (including all rights, licenses, and obligations under it or them), in whole or in part and without notice, for any reason, including for the purpose of internal restructuring (for example, mergers or liquidations).

  13. Provider of Services

    1. The Services are provided by the company that offers the Services in your region as set out in Section 14.2 (the “Applicable Yahoo Entity”), except for the Services set out below in Section 13(b). Not all Services or features may be available in your country or region. Different features may be available in different versions of the Services. Your Service provider may change if you relocate to another country and continue using our Services.

    2. The following services are provided to you by the same Yahoo Entity wherever you are based in the world:

      1. For the services in this Section 13(b)(i), the provisions of Section 14.2 (United States) apply.

        1. The following services are provided by Yahoo Inc.:

          1. Engadget (unless otherwise specified in Section 14)

          2. TechCrunch (unless otherwise specified in Section 14)

          3. Rivals

          4. Yahoo View

          5. Yahoo Developer Network

          6. Makers 

        2. The following services are provided by Yahoo Ad Tech LLC:

          1. AOL On.

          2. Learning Center

        3. The following services are provided by Yahoo Fantasy Sports LLC:

          1. U.S. Daily Fantasy

          2. U.S. Fantasy Cash Leagues

          3. U.S. Fantasy Pro Leagues

        4. Other Fantasy Sports services are provided by Yahoo Inc.

        5. Ryot Studio is provided by TheHuffingtonPost.com Inc.

        6. Flurry is provided by Flurry LLC

  14. Contracting Party, Choice of Law, and Location for Resolving Disputes and Other Local Region Provisions

    1. In Section 13 above, find the provider of the Services you are using. That is the provider that you are contracting with for the Services. The choice of law, the location for resolving disputes, certain defined terms (including the Applicable Yahoo Entity), and other important region specific provisions are in this Section 14. If you have any questions, please contact customer care using the contact information in the region that applies to you below.

    2. United States (us):

      1. Defined Terms

        1. Applicable Yahoo Entity: Yahoo Inc. (Address: 22000 AOL Way, Dulles, VA 20166).

        2. Minimum Age:13 years old

      2. BINDING ARBITRATION AGREEMENT. AGREEMENT TO ARBITRATE FOR U.S. USERS. YOU AND US BOTH AGREE TO RESOLVE ANY AND ALL DISPUTES, CONTROVERSIES OR CLAIMS THAT IN ANY WAY ARISE OUT OF OR RELATE TO THESE TERMS OR FROM ANY SERVICES YOU RECEIVE FROM US (OR FROM ANY ADVERTISING FOR ANY SUCH SERVICES), INCLUDING ANY DISPUTES BETWEEN YOU AND OUR EMPLOYEES OR AGENTS (“DISPUTE(S)”), ONLY BY ARBITRATION ON AN INDIVIDUAL BASIS OR IN SMALL CLAIMS COURT. YOU UNDERSTAND THAT BY AGREEING TO THESE TERMS, ARBITRATION OR A SMALL CLAIMS ACTION WILL BE THE SOLE AND EXCLUSIVE MEANS OF RESOLVING ANY DISPUTE BETWEEN US. YOU ALSO UNDERSTAND THAT BY AGREEING TO THESE TERMS, YOU AND WE ARE GIVING UP THE RIGHT TO BRING A CLAIM IN COURT OR IN FRONT OF A JURY (EXCEPT FOR MATTERS THAT MAY BE BROUGHT IN SMALL CLAIMS COURT), AND THAT YOU AND WE ARE GIVING UP THE RIGHT TO PROCEED WITH ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION. WHILE ARBITRATION PROCEDURES MAY BE DIFFERENT THAN COURT PROCEDURES, AN ARBITRATOR CAN AWARD YOU INDIVIDUALLY THE SAME DAMAGES AND RELIEF AS A COURT, AND JUDGMENT ON THE AWARD RENDERED BY THE ARBITRATOR MAY BE ENTERED AND ENFORCED IN ANY COURT HAVING JURISDICTION THEREOF. THE PARTIES UNDERSTAND THAT ABSENT THIS MANDATORY PROVISION, THEY WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. THEY FURTHER UNDERSTAND THAT, IN SOME INSTANCES, THE COSTS OF ARBITRATION COULD EXCEED THE COSTS OF LITIGATION AND THE RIGHT TO DISCOVERY MAY BE MORE LIMITED IN ARBITRATION THAN IN COURT. We also both agree that:

        1. Notice of Dispute. If either you or we intend to arbitrate under these Terms, the party seeking arbitration must first notify the other party of the Dispute in writing at least 30 days in advance of initiating the arbitration. Notice to us should be sent either by mail to Yahoo, Attn: Disputes, 701 First Avenue, Sunnyvale, CA 94089; or [email protected] Notice to you will be to your email address(es) and street address(es), if any, that we have in our records at the time the notice is sent. The notice must describe the nature of the claim and the relief being sought. If we are unable to resolve the Dispute within 30 days, either party may then proceed to file a claim for arbitration.

        2. Arbitration Procedure. The Federal Arbitration Act applies to these Terms. Except for small claims court cases, any and all Disputes will be resolved by arbitration administered by the American Arbitration Association ("AAA"). The AAA will apply the Commercial Arbitration Rules to the arbitration of any Dispute pursuant to these Terms, unless you are an individual and use the Services for personal or household use, in which case the AAA's Consumer Arbitration Rules will apply (excluding any rules or procedures governing or permitting class actions). You can get procedures (including the process for beginning an arbitration), rules and fee information from the AAA (www.adr.org). These Terms govern to the extent they conflict with the AAA’s Commercial Arbitration Rules or Consumer Arbitration Rules.

        3. Small Claims Court Option. As an alternative to arbitration, you may bring an individual action in small claims court in your county of residence (or if a business, your principal place of business) or Santa Clara County, California provided that your Dispute meets the requirements of the small claims court.

        4. Arbitration Location. Unless you and we agree otherwise, the arbitration must take place, or the small claims action must be filed, in the county of your primary residence or Santa Clara County, California.

        5. Arbitration Fees and Expenses. We will reimburse any filing fee that the AAA charges you for arbitration of the Dispute. If you provide us with signed written notice that you cannot pay the filing fee, we will pay the fee directly to the AAA. If the arbitration proceeds, we will also pay any administrative and arbitrator fees charged later.

        6. Settlement Offers. We may, but are not obligated to, make a written settlement offer anytime before or during arbitration. The amount or terms of any settlement offer may not be disclosed to the arbitrator unless and until the arbitrator issues an award on the claim. If you do not accept the offer and the arbitrator awards you an amount of money that is more than our offer but less than $5,000, we agree to: (a) pay you $5,000 instead of the lower amount awarded, (b) pay your reasonable attorney’s fees and costs, and (c) reimburse any arbitration filing fees and arbitrator fees and expenses incurred in connection with the arbitration of your Dispute. If the arbitrator awards you more than $5,000 and we are not challenging the award, then we will pay you the amount of the award.

        7. Severability. If any part of this agreement to arbitrate is found by a court of competent jurisdiction to be unenforceable, the court will reform the agreement to the extent necessary to cure the unenforceable part(s), and the parties will arbitrate their Dispute(s) without reference to or reliance upon the unenforceable part(s). However, if for any reason the Class Action Waiver set forth below in subsection 14.2.c cannot be enforced as to some or all of the Dispute, then the agreement to arbitrate will not apply to that Dispute or portion thereof. Any Disputes covered by any deemed unenforceable Class Action Waiver provision may only be litigated in a court of competent jurisdiction, but the remainder of the agreement to arbitrate will be binding and enforceable. To avoid any doubt or uncertainty, the parties do not agree to class arbitration or to the arbitration of any claims brought on behalf of others.

      3. CLASS ACTION WAIVER FOR U.S. USERS. THESE TERMS DO NOT ALLOW CLASS OR COLLECTIVE ARBITRATIONS, EVEN IF THE AAA PROCEDURES OR RULES WOULD. NOTWITHSTANDING ANY OTHER PROVISION OF THESE TERMS, THE ARBITRATOR MAY AWARD MONEY OR INJUNCTIVE RELIEF ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE THE RELIEF WARRANTED BY THAT PARTY'S INDIVIDUAL CLAIM. ARBITRATION OR COURT PROCEEDINGS HELD UNDER THESE TERMS CANNOT BE BROUGHT, MAINTAINED OR RESOLVED ON BEHALF OF OR BY A CLASS, AS A PRIVATE ATTORNEY-GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY. IN ADDITION, INDIVIDUAL PROCEEDINGS CANNOT BE COMBINED WITHOUT THE CONSENT OF ALL OF THE PARTIES. ANY QUESTION REGARDING THE ENFORCEABILITY OR INTERPRETATION OF THIS PARAGRAPH WILL BE DECIDED BY A COURT AND NOT THE ARBITRATOR.

      4. JURY TRIAL WAIVER FOR U.S. USERS. IF FOR ANY REASON A DISPUTE PROCEEDS IN COURT RATHER THAN THROUGH ARBITRATION, YOU ANDWE AGREE THAT THERE WILL NOT BE A JURY TRIAL. YOU AND WE UNCONDITIONALLY WAIVE ANY RIGHT TO TRIAL BY JURY IN ANY ACTION, PROCEEDING OR COUNTERCLAIM IN ANY WAY ARISING OUT OF OR RELATING TO THESE TERMS. IN THE EVENT OF LITIGATION, THIS PARAGRAPH MAY BE FILED TO SHOW A WRITTEN CONSENT TO A TRIAL BY THE COURT.

      5. Choice of Law. These Terms and the relationship between the parties, including any claim or dispute that might arise between the parties, whether sounding in contract, tort, or otherwise, will be governed by the laws of the State of New York without regard to its conflict of law provisions. In no event will the parties bring claims against one another under the laws of another jurisdiction.

      6. Forum. If for any reason a Dispute proceeds in court rather than through arbitration, all such Disputes (regardless of theory) arising out of or relating to these Terms, or the relationship between you and us, will be brought exclusively in the courts located in the county of New York, New York or the U.S. District Court for the Southern District of New York. In such cases, you and we agree to submit to the personal jurisdiction of the courts located within the county of New York, New York or the Southern District of New York, and agree to waive any and all objections to the exercise of jurisdiction over the parties by such courts and to venue in such courts.

      7. Customer Support. Below are links for customer support.

        1. Customer Support for AOL-Branded Products

        2. Customer Support for Other Products (English)

        3. Customer Support for Other Products (Spanish)

      8. Community Guidelines. The Yahoo Community Guidelines can be found below:

        1. English version

        2. Spanish version

      9. The Services are “commercial computer software” and “commercial items” as these terms are used in the Federal Acquisition Regulation system, and the rights of the United States are only those rights as are granted to all other end users pursuant to the terms and conditions herein and will not exceed the minimum rights set forth in FAR 52.227-19.

      10. Closed Captioning. Yahoo complies with applicable Federal Communications Commission rules and regulations regarding the closed captioning of video content. Please visit https://www.yahooinc.com/accessibility/captioning/ for more information or to register any concerns or complaints regarding video content accessible on the Yahoo network of properties.

      11. In New Jersey, all of the limitations on liability set forth in Section 9 shall apply except nothing in these Terms will exclude or limit liability for intentional torts, willful acts, gross negligence, or a violation of a statutorily imposed duty.

      12. You agree to not use the Services to provide material support or resources (or to conceal or disguise the nature, location, source, or ownership of material support or resources) to any organization(s) designated by the United States government as a foreign terrorist organization pursuant to section 219 of the Immigration and Nationality Act.

    3. Argentina (ar), Chile (cl), Colombia (co), Hong Kong (hk),​ Mexico (mx), Peru (pe), and Venezuela (ve):

      1. Defined Terms

        1. Applicable Yahoo Entity: Yahoo International Inc. (Address: 1921 NW 87 Avenue, Doral, FL 33172, USA)

        2. Minimum Age: 13 years old

      2. BINDING ARBITRATION AGREEMENT. AGREEMENT TO ARBITRATE. YOU AND YAHOO BOTH AGREE TO RESOLVE ANY AND ALL DISPUTES, CONTROVERSIES OR CLAIMS THAT IN ANY WAY ARISE OUT OF OR RELATE TO THESE TERMS OR FROM ANY SERVICES YOU RECEIVE FROM US (OR FROM ANY ADVERTISING FOR ANY SUCH SERVICES), INCLUDING ANY DISPUTES BETWEEN YOU AND OUR EMPLOYEES OR AGENTS (“DISPUTE(S)”), ONLY BY ARBITRATION ON AN INDIVIDUAL BASIS OR IN SMALL CLAIMS COURT. YOU UNDERSTAND THAT BY AGREEING TO THESE TERMS, ARBITRATION OR A SMALL CLAIMS ACTION WILL BE THE SOLE AND EXCLUSIVE MEANS OF RESOLVING ANY DISPUTE BETWEEN US. YOU ALSO UNDERSTAND THAT BY AGREEING TO THESE TERMS, YOU AND YAHOO ARE GIVING UP THE RIGHT TO BRING A CLAIM IN COURT OR IN FRONT OF A JURY (EXCEPT FOR MATTERS THAT MAY BE BROUGHT IN SMALL CLAIMS COURT), AND THAT YOU AND YAHOO ARE GIVING UP THE RIGHT TO PROCEED WITH ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION. WHILE ARBITRATION PROCEDURES MAY BE DIFFERENT THAN COURT PROCEDURES, AN ARBITRATOR CAN AWARD YOU INDIVIDUALLY THE SAME DAMAGES AND RELIEF AS A COURT, AND JUDGMENT ON THE AWARD RENDERED BY THE ARBITRATOR MAY BE ENTERED AND ENFORCED IN ANY COURT HAVING JURISDICTION THEREOF. THE PARTIES UNDERSTAND THAT ABSENT THIS MANDATORY PROVISION, THEY WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. THEY FURTHER UNDERSTAND THAT, IN SOME INSTANCES, THE COSTS OF ARBITRATION COULD EXCEED THE COSTS OF LITIGATION AND THE RIGHT TO DISCOVERY MAY BE MORE LIMITED IN ARBITRATION THAN IN COURT. We also both agree that:

        1. Notice of Dispute. If either you or we intend to arbitrate under these Terms, the party seeking arbitration must first notify the other party of the Dispute in writing at least 30 days in advance of initiating the arbitration. Notice to us should be sent to us either by mail to Yahoo, Attn: Disputes, 701 First Avenue, Sunnyvale, CA 94089; or [email protected] Notice to you will be to your email address(es) and street address(es), if any, that we have in our records at the time the notice is sent. The notice must describe the nature of the claim and the relief being sought. If we are unable to resolve the Dispute within 30 days, either party may then proceed to file a claim for arbitration.

        2. Arbitration Procedure. The Federal Arbitration Act applies to these Terms. Except for small claims court cases, any and all Disputes will be resolved by arbitration administered by the American Arbitration Association ("AAA"). The AAA will apply the Commercial Arbitration Rules to the arbitration of any Dispute pursuant to these Terms, unless you are an individual and use the Services for personal or household use, in which case the AAA's Consumer Arbitration Rules will apply (excluding any rules or procedures governing or permitting class actions). You can get procedures (including the process for beginning an arbitration), rules and fee information from the AAA (www.adr.org). These Terms govern to the extent they conflict with the AAA’s Commercial Arbitration Rules or Consumer Arbitration Rules.

        3. Small Claims Court Option. As an alternative to arbitration, you may bring an individual action in small claims court in your county of residence (or if a business, your principal place of business) or Santa Clara County, California provided that your Dispute meets the requirements of the small claims court.

        4. Arbitration Location. Unless you and we agree otherwise, the arbitration must take place, or the small claims action must be filed, in the county of your primary residence or Santa Clara County, California.

        5. Arbitration Fees and Expenses. We will reimburse any filing fee that the AAA charges you for arbitration of the Dispute. If you provide us with signed written notice that you cannot pay the filing fee, we will pay the fee directly to the AAA. If the arbitration proceeds, we will also pay any administrative and arbitrator fees charged later.

        6. Settlement Offers. We may, but are not obligated to, make a written settlement offer anytime before or during arbitration. The amount or terms of any settlement offer may not be disclosed to the arbitrator unless and until the arbitrator issues an award on the claim. If you do not accept the offer and the arbitrator awards you an amount of money that is more than our offer but less than $5,000, we agree to: (a) pay you $5,000 instead of the lower amount awarded, (b) pay your reasonable attorney’s fees and costs, and (c) reimburse any arbitration filing fees and arbitrator fees and expenses incurred in connection with the arbitration of your Dispute. If the arbitrator awards you more than $5,000 and we are not challenging the award, then we will pay you the amount of the award.

        7. Severability. If any part of this agreement to arbitrate is found by a court of competent jurisdiction to be unenforceable, the court will reform the agreement to the extent necessary to cure the unenforceable part(s), and the parties will arbitrate their Dispute(s) without reference to or reliance upon the unenforceable part(s). However, if for any reason the Class Action Waiver set forth below in subsection 14.3.c cannot be enforced as to some or all of the Dispute, then the agreement to arbitrate will not apply to that Dispute or portion thereof. Any Disputes covered by any deemed unenforceable Class Action Waiver provision may only be litigated in a court of competent jurisdiction, but the remainder of the agreement to arbitrate will be binding and enforceable. To avoid any doubt or uncertainty, the parties do not agree to class arbitration or to the arbitration of any claims brought on behalf of others.

      3. CLASS ACTION WAIVER. THESE TERMS DO NOT ALLOW CLASS OR COLLECTIVE ARBITRATIONS, EVEN IF THE AAA PROCEDURES OR RULES WOULD. NOTWITHSTANDING ANY OTHER PROVISION OF THESE TERMS, THE ARBITRATOR MAY AWARD MONEY OR INJUNCTIVE RELIEF ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE THE RELIEF WARRANTED BY THAT PARTY'S INDIVIDUAL CLAIM. ARBITRATION OR COURT PROCEEDINGS HELD UNDER THESE TERMS CANNOT BE BROUGHT, MAINTAINED OR RESOLVED ON BEHALF OF OR BY A CLASS, AS A PRIVATE ATTORNEY-GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY. IN ADDITION, INDIVIDUAL PROCEEDINGS CANNOT BE COMBINED WITHOUT THE CONSENT OF ALL OF THE PARTIES. ANY QUESTION REGARDING THE ENFORCEABILITY OR INTERPRETATION OF THIS PARAGRAPH WILL BE DECIDED BY A COURT AND NOT THE ARBITRATOR.

      4. JURY TRIAL WAIVER. IF FOR ANY REASON A DISPUTE PROCEEDS IN COURT RATHER THAN THROUGH ARBITRATION, YOU AND YAHOO AGREE THAT THERE WILL NOT BE A JURY TRIAL. YOU AND YAHOO UNCONDITIONALLY WAIVE ANY RIGHT TO TRIAL BY JURY IN ANY ACTION, PROCEEDING OR COUNTERCLAIM IN ANY WAY ARISING OUT OF OR RELATING TO THESE TERMS. IN THE EVENT OF LITIGATION, THIS PARAGRAPH MAY BE FILED TO SHOW A WRITTEN CONSENT TO A TRIAL BY THE COURT.

      5. Choice of Law. These Terms and the relationship between the parties, including any claim or dispute that might arise between the parties, whether sounding in contract, tort, or otherwise, will be governed by the laws of the State of New York without regard to its conflict of law provisions. In no event will the parties bring claims against one another under the laws of another jurisdiction.

      6. Forum. If for any reason a Dispute proceeds in court rather than through arbitration, all such Disputes (regardless of theory) arising out of or relating to these Terms, or the relationship between you and us, will be brought exclusively in the courts located in the county of New York, New York or the U.S. District Court for the Southern District of New York. In such cases, you and we agree to submit to the personal jurisdiction of the courts located within the county of New York, New York or the Southern District of New York, and agree to waive any and all objections to the exercise of jurisdiction over the parties by such courts and to venue in such courts.

      7. Customer Support. Below are links for customer support.

        1. Argentina

        2. Chile

        3. Colombia

        4. Hong Kong

        5. Mexico

        6. Peru

        7. Venezuela

      8. Community Guidelines. Our Community Guidelines can be found here.

      9. The Services are “commercial computer software” and “commercial items” as these terms are used in the Federal Acquisition Regulation system, and the rights of the United States are only those rights as are granted to all other end users pursuant to the terms and conditions herein and will not exceed the minimum rights set forth in FAR 52.227-19.

      10. Closed Captioning. Yahoo complies with applicable Federal Communications Commission rules and regulations regarding the closed captioning of video content. Please visit https://www.yahooinc.com/accessibility/captioning/ for more information or to register any concerns or complaints regarding video content accessible on the Yahoo network of properties.

      11. In New Jersey, all of the limitations on liability set forth in Section 9 shall apply except nothing in these Terms will exclude or limit liability for intentional torts, willful acts, gross negligence, or a violation of a statutorily imposed duty.

      12. You agree to not use the Services to provide material support or resources (or to conceal or disguise the nature, location, source, or ownership of material support or resources) to any organization(s) designated by the United States government as a foreign terrorist organization pursuant to section 219 of the Immigration and Nationality Act.

    4. Brazil (br):

      1. Defined Terms

        1. Applicable Yahoo Entity: Yahoo do Brasil Internet Ltda. (Address: Av. Brigadeiro Faria Lima, 3.600 - 9o andar, São Paulo/SP, 04538-132, Brasil)

        2. Minimum Age: 13 years old (however, if you are between 13 and 18 years old, you must have parental or legal guardian permission in order to agree with our Terms and to use the Service).

      2. Services Provided: OneSearch, Yahoo Mail, Yahoo Search, Yahoo News, Yahoo Finance, Yahoo Sports and Yahoo LifeStyle. If you use any of these services while you are within Brazil, or are otherwise contracting with Yahoo do Brasil Internet Ltda., the services are provided by Yahoo do Brasil Internet Ltda. The region specific provisions in Section 14.4 shall apply to such use and supersede anything to the contrary in Section 1 or Section 13(a) of these Terms.

      3. Other Services. Services not listed in Section 14.4(b) are not provided by Yahoo do Brasil Internet Ltda., which has no powers or capabilities to take any measures in relation to them, including accessing or disclosing user data and/or removing user generated content.

      4. Choice of Law. The Terms and the relationship between you and Yahoo do Brasil Internet Ltda. will be governed by the laws of Federative Republic of Brazil without regard to its conflict of law provisions.

      5. Customer Support. For customer support, see this page.

      6. Protecting our systems and our users' information is paramount to ensuring Yahoo users enjoy a secure user experience and maintaining our users' trust. To learn more about security, including the steps we have taken and steps you can take, please read our online article by clicking here.

      7. YOU UNDERSTAND AND AGREE THAT YOUR USE AND THE PROVISION OF THE SERVICES INVOLVE THE COLLECTION, STORAGE, PROCESSING, USE AND DISCLOSURE OF INFORMATION AND USER DATA, INCLUDING THE TRANSFER OF INFORMATION AND DATA TO OTHER COMPANIES AND TERRITORIES, AS STATED IN THE PRIVACY POLICY.

    5. Canada (ca and cf):

      1. Defined Terms

        1. Applicable Yahoo Entity: Yahoo Canada Corp. (Address: 99 Spadina Avenue, Suite 200, Toronto, Ontario M5V 3P8).

        2. Minimum Age: Legal Age to form a binding contract in your province or territory of residence.

      2. Choice of Law. These Terms and the relationship between the parties, including any claim or dispute that might arise between the parties, whether sounding in contract, tort, or otherwise, shall be governed by the laws of the province of Ontario without regard to its conflict of law provisions. In no event shall the parties bring claims against one another under the laws of another jurisdiction.

      3. Forum. Any claim against us shall be brought exclusively in the courts located within the province of Ontario, Canada. In such cases, you and we agree to submit to the personal jurisdiction of the courts located within the province of Ontario, and agree to waive any and all objections to the exercise of jurisdiction over the parties by such courts and to a venue in such courts.

      4. Customer Support. Below are links for customer support.

        1. Customer Support (English)

        2. Customer Support (French)

      5. Updates. We may automatically download and install the latest version of the Services on your device once a new version or feature is available.

      6. Some provinces and territories do not allow for the exclusion of warranties (including the province of Quebec). In these provinces and territories, you have only the warranties that are expressly required to be provided in accordance with applicable law.

      7. Some provinces and territories do not provide exclusion of limitation of liability for all types of damages (including the province of Quebec). In these provinces, we will only be liable to you for damages that we are expressly required to be liable to you under applicable law.

    6. Australia (au):

      1. Defined Terms

        1. Applicable Yahoo Entity:

          1. For OneSearch, Yahoo Lifestyle, Yahoo Finance, Yahoo Mail, Yahoo News, Yahoo Search, Yahoo Sports, Yahoo TV and Yahoo Weather the Applicable Yahoo Company is Yahoo Australia Pty Ltd (Address: Level 4 West, 8 Central Avenue, Eveleigh NSW 2015, Australia) and the following terms apply: (a) the Terms and the relationship between you and Yahoo Australia Pty Ltd will be governed by the laws of the state of New South Wales without regard to its conflict of law provisions, and (b) you and Yahoo Australia Pty Ltd agree to submit to the exclusive jurisdiction of the courts of the state of New South Wales.

          2. For other services, the Applicable Yahoo Company is Yahoo Inc. (Address: 22000 AOL Way, Dulles, VA 20166), and for such Services the terms of Section 14.2 (United States) apply.

        2. Minimum Age: 13 years old

      2. Customer Support. For customer support, see this page.

    7. Reserved.

    8. India (in):

      1. Defined Terms

        1. Applicable Yahoo Entity:

          1. For OneSearch, Yahoo Mail and Yahoo Search, the Applicable Yahoo Entity is Yahoo India Private Limited (CIN: U72900MH2000PTC138698) (Address: Unit No. 304, 3rd Floor, Satellite Gazebo, East Wing, Guru Hargovindji Marg, (A G Link Road), Andheri (East), Mumbai – 400093, India) and the following terms apply: (a) “Minimum Age” means 13 years old, provided that if you are between 13 and 18 years of age, you must have parental or legal guardian permission to use the Services or register for an account, (b) you must be at least 13 years old in order to agree with our Terms, provided that if you are between 13 and 18 years of age, you must have parental or legal guardian permission to do so, (c) the Terms and the relationship between you and Yahoo India Private Limited will be governed by the laws of India without regard to its conflict of law provisions, and (d) you and Yahoo India Private Limited agree to submit to the exclusive jurisdiction of the courts located at Mumbai, India.

          2. For other Services:

            1. the Applicable Yahoo Entity is the same one that is specified to be the provider in respect of a specific Service, and the Terms and the relationship between you and the Applicable Yahoo Entity will be governed by the laws of the place of incorporation of the Applicable Yahoo Entity; or

            2. if no Yahoo Entity is specified to be the provider in respect of a specific Service, the Applicable Yahoo Entity is Yahoo Inc. (Address: 22000 AOL Way, Dulles, VA 20166), and for such Services the terms of Section 14.2 (United States) apply.

      2. Customer Support. For customer support, see this page.

      3. Yahoo India Grievance Officer. For the Yahoo India Grievance Officer, see this page.

      4. Click here for an important Supreme Court Order passed by the Hon'ble Supreme Court of India relating to a prohibition on advertisement under the PCPNDT Act, 1994.

    9. Japan (jp):

      1. Defined Terms

        1. Applicable Yahoo Entity:

          1. For AutoBlog Japan, TechCrunch Japan, Engadget Japan, Aol.jp, and AOL Mail, the Applicable Yahoo Entity is Boundless Inc. (Address: 2-27-25 Minamiaoyama, Minato-ku, Tokyo 10 7-0062 Japan).

          2. For Yahoo Japan-branded products that are accessible in Japan: these products are provided by a third-party.

          3. For all other Services, the Applicable Yahoo Entity is Yahoo Inc. (Address: 22000 AOL Way, Dulles, VA 20166).

        2. Minimum Age: 18 years old (however, if you are 18 or 19 years old, you must have the permission of a parent or legal guardian in order to agree to the Terms and to use the Services)

      2. Choice of Law. The Terms and relationship between you and us will be governed by the laws of Japan without regard to its conflict of law provision.

      3. Forum. You and we submit to the exclusive jurisdiction of the Tokyo District Court, Japan.

      4. Modifying the Services; Modifying these Terms

        1. When we modify the Services as outlined in Section 7(a), or we modify these Term pursuant to Section 12(b), we will notify you a reasonable amount of time in advance of any modifications that will be of material disadvantage to you or materially limit your access to or usage of the Services.

        2. For modifications to these Terms or the Services that we need to make in order to meet security, safety, legal or regulatory requirements, we may not be able to notify you in advance, but we will let you know as soon as practicable after such modification is made.

      5. Limitation of Liability. Nothing in these Terms affects any legal rights that you are entitled to as a consumer under Japanese law which cannot be contractually altered or waived. Accordingly, if the contract regarding the use of the Services pursuant to these Terms is deemed a consumer contract under the Consumer Contract Act of Japan, some of the exclusions and limitations in Section 9 of these Terms will not apply to you for liability resulting from our willful misconduct or gross negligence.

      6. Customer Support. For customer service, please see this page.

    10. New Zealand (nz):

      1. Defined Terms

        1. Applicable Yahoo Entity:

          1. For OneSearch, Yahoo Entertainment, Yahoo Lifestyle, Yahoo Mail, Yahoo News, Yahoo Search and Yahoo Sport the Applicable Yahoo Entity is Yahoo New Zealand Limited (Address: Level 1, 22-28 Customs Street East, Auckland 1010 New Zealand) and the following terms apply: (a) the Terms and the relationship between you and Yahoo New Zealand Limited will be governed by the laws of New Zealand without regard to its conflict of law provisions, and (b) you and Yahoo New Zealand Limited agree to submit to the exclusive jurisdiction of the courts of New Zealand.

          2. For other services, the Applicable Yahoo Entity is Yahoo Inc. (Address: 22000 AOL Way, Dulles, VA 20166), and for such Services the terms of Section 14.2 (United States) apply.

        2. Minimum Age: 13 years old

      2. Customer Support. For customer support, see this page.

    11. Singapore (sg), Indonesia (id), Malaysia (my), Philippines (ph), Thailand (th) or Vietnam (vn)):

      1. Defined Terms

        1. Applicable Yahoo Entity:

          1. For OneSearch, Yahoo Calendar, Yahoo Celebrity, Yahoo Finance, Yahoo Mail, Yahoo News, Yahoo Search, Yahoo Style, Yahoo Travel, Yahoo TV, Yahoo Weather, and Aviate the Applicable Yahoo Entity is Yahoo! Singapore Digital Marketing Pte. Ltd. (Address: 60 Anson Road, #12-01 Mapletree Anson, Singapore 079914) and the following terms apply: (a) the Terms and the relationship between you and Yahoo! Singapore Digital Marketing Pte. Ltd. will be governed by the laws of Singapore without regard to its conflict of law provisions, and (b) you and Yahoo! Singapore Digital Marketing Pte. Ltd. agree to submit to the exclusive jurisdiction of the courts of Singapore.

          2. For other Services:

            1. the Applicable Yahoo Entity is the Yahoo Entity that is specified to be the provider in respect of a specific Service, and the Terms and the relationship between you and the Applicable Yahoo Entity will be governed by the laws of the place of incorporation of the Applicable Yahoo Entity; or

            2. if no Yahoo Entity is specified to be the provider in respect of a specific Service, the Applicable Yahoo Entity is Yahoo Inc. (Address: 22000 AOL Way, Dulles, VA 20166), and for such Services the terms of Section 14.2 (United States) apply.

        2. Minimum Age: 13 years old

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      13. Additional terms for Italian users can be found here.

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Last updated: November 2021

Источник: https://legal.yahoo.com/us/en/yahoo/terms/otos/index.html

Choosing the Right Customer

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All companies claim that their strategies are customer driven. But the term “customer” is among the most elastic in management theory. A working definition might be that your customers are the people or entities that buy your products and services and supply your revenue. That includes any number of actors in a company’s value chain: consumers, whole­salers, retailers, purchasing departments, and so forth. Some companies go as far as to label internal units as customers: Manufacturing is a customer of R&D, for instance, and both are customers of HR.

Other definitions don’t even require that a customer supply revenue. Pharma giant Merck’s most important customers are not the patients who use its drugs or the physicians who prescribe them. Instead, Merck has chosen research scientists in labs and universities around the world as its primary customer. Accordingly, its business model relies on encouraging its own world-class researchers to act like university scientists by conducting basic research, publishing papers, and presenting results at conferences, all with the intent of discovering groundbreaking compounds that can then be commercialized by Merck’s marketing and sales group. The business is even configured like a research university—a simple functional structure in which a powerful, centralized R&D unit receives the bulk of organizational resources.

Amazon devotes its resources to pleasing consumers, even if that means sellers or content providers sometimes feel shortchanged.

Unsurprisingly, perhaps, many executives are reluctant to define their customers as narrowly as Merck has. By not singling out any group as the primary customer, executives can sidestep difficult choices that might turn out badly—a temptation that’s particularly strong in new, rapidly evolving markets. What’s more, many business leaders believe that treating all value chain partners as customers improves internal coordination and responsiveness.

But by not identifying one primary customer, companies that consider themselves “customer focused” soon become anything but. Consider the contrasting fortunes of Yahoo and Google. Yahoo began as a broad-based internet portal supported by proprietary editorial content. To attract users, it hired journalists to write entertainment stories and created utilities such as Yahoo finance, Yahoo movies, and Yahoo sports. Over time, Yahoo executives began to spread resources among many additional initiatives, including social networks, products, media, and advertising. As a result, they under­invested in search, and the website became messy and confusing.

Then Google entered the field. From the outset, Google focused on users who appreciated technology and its ability to unlock new opportunities and applications. Like Merck, Google allocated the lion’s share of its resources (and prestige) to its technologists and engineers, who were given freedom to innovate. The aim throughout the business was to build the best technology in the world—whether in search, Android, or maps. With that sharply focused value proposition and business model, Google quickly leapfrogged Yahoo in the competitive marketplace.

The bottom line is this: The strategic choice of primary customer—with special emphasis on “primary”—defines the business. This is certainly true at Amazon, which serves four very different types of customer: consumers, sellers, enterprises, and content providers. You might think that it considers all four customer groups to be equally important. But the company’s choice of primary customer is reflected clearly in its well-known mission “to be the world’s most consumer-centric company.” Amazon devotes maximum resources to pleasing consumers, even if that means sellers or content providers sometimes feel shortchanged (sellers whose storefronts are hosted on the Amazon platform have been known to sue Amazon for more resources). This unwavering focus on consumers has created innovations such as prime free shipping, detailed product reviews (including negative ones), look-inside-this-book, and the listing of lower-priced products from off-site competitors. These practices have often been criticized as inherently unprofitable or injurious to Amazon’s other constituents. But the main results of the company’s choice are the ones that count most: unparalleled customer loyalty and stratospheric stock valuations.

In the following pages I’ll present a truly customer-driven framework that can help executives build winning business models for their companies. The framework lays out four steps: identifying the best primary customer for your business, creating processes to learn what that customer values, allocating resources accordingly, and building an interactive control process to monitor the assumptions that underlie your choice.

Step 1: Identify Your Primary Customer

As the cases of Merck, Google, and Amazon illustrate, your most important customers are not those that generate the most revenue but those that can unlock the most value in your business. For some businesses, the primary customer will be the end user or consumer of the product or service. For others, an intermediary (such as a reseller or a broker) will be the critical customer to which organizational resources should be devoted.

But how can executives be confident that they’re making the right choice? Identifying the best primary customer for your firm involves assessing each group of customers along three dimensions: perspective, capabilities, and profit potential. Let’s look briefly at each.

Perspective refers to the culture, mission, and folklore of a business, often revealed in stories about important events or people in the company’s history. It is the lens through which executives consider opportunities and strategic direction. Steve Jobs’s obsession with perfection in product design created a legacy that frames the opportunities Apple managers will (and will not) consider. Walmart’s Sam Walton was famously frugal in his own life. And Amazon founder Jeff Bezos is a zealot about delivering a superior experience to shoppers. “When [executives of other companies] are in the shower in the morning, they’re thinking about how they’re going to get ahead of one of their top competitors,” he told Fortune in 2012. “Here in the shower, we’re thinking about how we are going to invent something on behalf of a customer.” Clearly, the choice of primary customer must reflect a company’s perspective; otherwise the company will be unable to leverage the energy and creativity of its people in service to the customer.

Capabilities refers to the embedded resources of the firm. Some firms excel at technology (Apple, Google, Airbus), some at logistics (Walmart, Amazon, Dell). Others provide superior brand marketing (Ralph Lauren, Nestlé, P&G) or have industry-­specific capabilities (original content production at HBO and Netflix, mining at BPH Billiton). Such capabilities, which are built up over time and are often difficult to copy, position a business to serve the needs of certain customers better than others. Dell in its early years built a formidable low-cost logistics operation to support its direct-to-consumer sales model. Today, the company is attempting to change its primary customer by refocusing on CIOs of large enterprises. This pivot has proved difficult for Dell because CIOs look for a set of capabilities—integrated hardware, software, and services solutions—very different from what end consumers need.

Customers often don’t know exactly what it is they value. Uncovering the full truth about their needs requires systematic research at multiple levels.

Profit potential refers to a customer’s ability to deliver profits. Techniques such as Michael Porter’s five forces analysis can provide insight into the relative profitability of various customer types—and help weed out those that would be a poor choice for primary customer. Consider HBO. Cable operators that purchase HBO’s content might seem to be the obvious choice. But cable operators have low switching costs—they can easily buy content from a variety of producers. Thus HBO would have little market power and would be unable to extract high margins from cable operators. But by targeting filmmakers as the primary customer and devoting significant resources to their needs, HBO can create the unique products that viewers demand, allowing it to charge premium prices that cable operators cannot negotiate. Of course, profit potential isn’t always about customers who can pay premium prices; becoming the preferred destination for cost-conscious customers can deliver substantial profits through volume, as Walmart has demonstrated.

LinkedIn is one successful company whose primary customer clearly fits all three dimensions. For more on how it settled on individuals (rather than job recruiters or advertisers), see the exhibit “How LinkedIn Chose Its Primary Customer.”

Step 2: Understand What Your Primary Customer Values

Once you’ve determined who your primary customer is, the next step is to identify which product and service attributes the customer values. Within the same market and industry, different primary customers may value different things: Some demand the lowest possible price, others want a dedicated service relationship, and still others are looking for the best technology or brand or other specific attribute. To complicate matters, customers often don’t know exactly what it is they value. Uncovering the full truth about their needs requires systematic research at multiple levels.

Let’s take the easy part first. Assume you have already chosen the best primary customer and have a good working idea of what the customer wants. There’s still plenty of room for improvement. You can refine your understanding by leveraging today’s easy and cheap access to data on customer buying habits, preferences, and search activities. Data analytics is an important tool in uncovering and rapidly responding to changing customer needs. At Google, separate analytics teams for display, search, and maps spend untold hours in their labs with customers studying eye movement and other variables to gauge their reactions to subtle product modifications such as changes in color. Nestlé has a war room where analysts monitor social media to track chatter that relates to or affects the acceptance of its products. The analysts use the intelligence to inform product research and marketing decisions and to evaluate in real time how well their value propositions are meeting the needs of the primary customer.

Such data can help you fine-tune a product or a website’s functionality to better meet your customer’s known needs. They’re unlikely, though, to help you identify what your customers want but aren’t getting. For that, you need to actually ask them. Smart companies set up systematic dialogues with their primary customers. Managers at FedEx, for example, hold twice-yearly summits where they bring in a sampling of business customers (the firm’s primary customer) to ask them where FedEx is doing a good job of meeting their needs and where competitors are doing better. At Germany’s Henkel, the world’s leader in adhesives, CEO Kasper Rorsted has created a “tops to tops” program in which all executives are required to meet regularly with their counterparts at major customers to ensure that their needs are understood and the company is responding appropriately. Other companies, especially those with rapid product cycles, manage the dialogue through new-product testing. Google’s Gmail, for example, was released after five years of beta testing by more than 1,000 technology opinion leaders.

Finally, you should set up processes for identifying products or services that customers may not know they need. This can be challenging—and expensive. Smart companies typically rely on ethnographic methods. At P&G, for instance, where consumers are the primary customer, executives ask their managers and market researchers to spend days at a time accompanying consumers on shopping trips and sitting at the family dinner table to more fully understand the extent to which various products meet consumer needs. CEO A.G. Lafley recounts in his book The Game Changer how the experiences of P&G executives living with lower-middle-class families in Mexico City produced Downy Single Rinse, a fabric softener that is simpler to use for markets where water is in short supply.

Most companies assume that their products and services meet the needs of their customers. But surprisingly few actually test this assumption. So ask yourself, What are the processes we use to make sure that we truly understand what our customers value and that we can deliver value better than our competitors do?

Step 3: Allocate Resources to Win

As we saw with Merck and Amazon, your choice of primary customer and your understanding of what the customer values provide all the information you need to make the critically important decision of how to organize your company’s resources—in other words, what kind of business model to adopt. There are five basic configurations you can choose from.

Low price.

If your primary customer is looking for the lowest possible price, centralized operating functions (such as merchandising and distribution) should receive the bulk of organizational resources, in order to create economies of scale and scope. Customer-facing units, such as stores or restaurants, should receive relatively few resources. This is the configuration used by Walmart.

Local value creation.

If your customer values products and services that are customized to local tastes, preferences, and regulations, you should organize like Nestlé. It pushes resources out to regions so that local managers can customize product offerings, while operating core functions are limited to corporate-level support activities.

Global standard of excellence.

If your customers are looking for the best possible technology or brand no matter where they are located, you should organize resources around global business units that are defined by product lines. This configuration allows focus and leverage in R&D, brand marketing, and distribution. Microsoft, for example, has separate business units for Windows, servers, MSN, mobile, and Xbox. Each unit has full revenue and profit responsibility and its own R&D. (Note: Microsoft has recently announced that it intends to change its structure to more of an expert knowledge organization—described below—to emulate Google.)

Dedicated service relationship.

If your customer is looking for an ongoing, deeply embedded service relationship, you should organize like IBM. Customer teams in industry-based “verticals” marshal and coordinate product and service delivery from centralized, product-based “horizontal” units.

Expert knowledge.

Finally, if your primary customer is looking for expert technical knowledge, you should follow the example of Google and Merck, where R&D sits prominently on top of product organizations that receive the lion’s share of the company’s attention and resources, with other functions playing a supporting role. These R&D-led product units, which may be distributed in centers around the world, have no revenue responsibility: They are focused entirely on product development and on creating breakthrough technology. All sales revenue is routed through a centralized, stand-alone sales division that is configured as a distinct function.

Of course, various permutations and combinations of these five basic configurations are possible. Many companies will want to leverage the advantages of several models at once. Some companies experiment with matrix structures that can simultaneously emphasize, say, geography and function or business unit and region. This “split the difference” approach can be appealing if, for example, you are an engineering company like ABB and your primary customer is government purchasers that demand both the best technical features (global standard of excellence) and customized content (local value creation). But it should be noted that matrix organizations are notoriously difficult to manage; all too often, a matrix structure reflects an inherent confusion about who the primary customer is rather than an effective response to the customer’s needs and preferences.

As a general proposition, when a business finds that it has more than one primary customer, it should be split into separate units and adopt for each the configuration that best allows it to focus resources on the needs of its primary customer (“the rule of one”). At Nestlé, for example, although most of the business is structured using a local value configuration, the company’s strategy differs for two of its brands: Nespresso and Mövenpick. Customers want a consistent, premium experience from those brands regardless of location. Accordingly, those businesses are managed using a global standard of excellence configuration in which resources are centralized and managed globally.

In reviewing a business model, the key question executives should ask is this: Do the choices we have made about the company’s structure reflect our choice of primary customer? If the answer is no, competitors whose business models are consistent with their chosen primary customer will almost certainly be outplaying you.

Step 4: Make the Control Process Interactive

As good as your business model may be today, it cannot and will not survive forever. Customer tastes will change, new technologies will replace old, unforeseen competitors will enter the market, and regulations and population demographics will evolve over time. That means you must constantly gather information on shifts in your competitive environment, especially those that might affect the behavior of your primary customer. You must be alert to emerging threats and opportunities that will redefine what your customer values and that customer’s profit potential. If the changes are dramatic, you may need to fundamentally reorient your business model—and even, in the most radical situations, select a different primary customer.

The best way to get the information you need is to make sure that your company’s control systems are interactive. Everyone in the organization should be using the same performance measures as the basis for learning and debate. Monitoring changes in customer behavior and the competitive environment, in particular, is not a function to be delegated to a special department. As a technology executive recently told me, “Companies that get it wrong are those that build departments with ‘innovation’ in their titles. We need to have everyone in the business innovating.”

Depending on your business strategy and industry, you can choose to use any of your current management systems interactively—your profit planning system, your brand revenue system, your orders-on-book or new deal system. At HBO, for example, executives constantly track the company’s success rate in bidding for new shows from filmmakers and use that measure to prompt a discussion among managers throughout the business about changes in the competitive marketplace that could affect their strategy. Amazon’s category managers use their Monday morning meetings as a forum to study data about product assortment choices, revenue growth, customer orders, and inventory turnover. Reflecting the firm’s leadership principles (customer obsession; bias for action; earn trust of others; dive deep; and have backbone, disagree, and commit), these meetings are highly interactive as managers from a diverse array of functions work together to interpret the data and come up with action plans. Some of these actions may, over time, plant the seeds of a new strategy.

Companies that hedge their bets usually find themselves looking at the taillights of their more decisive competitors.

Systems that work well interactively—like those at HBO and Amazon—share three essential characteristics: They deliver information about uncertainties that could undermine the assumptions of a current strategy and require attention from the highest levels of management; they are widely used in the organization, receiving frequent and regular attention from operating managers at all levels; and they involve face-to-face meetings that focus on emerging data, assumptions, and action plans. There is no substitute for the energy and creativity that flow from open debate when participants leave their titles at the door.

In using interactive control processes, managers should continually ask three questions: What has changed? Why? and, most important, What are we going to do about it? If you identify changes in your customers’ profit potential, for instance, you might want to rethink your choice of your primary customer. Changes in tastes, regulations, technology, or competition may alter what it is that your primary customer values—resulting in a need to reallocate resources or redesign your business structure. If you have significant first-mover advantage thanks to a new technology—or if competitors are evolving and struggling to find their way—you may be able to duck making a choice of primary customer, opting instead to stay fluid and focus on experimentation. But the entrepreneurial landscape is littered with the carcasses of companies that tried to be everything to everyone. Like Yahoo, they muddled along until they were overtaken by crisis, often bringing in a new leader in a last-ditch effort to impose discipline and focus on a failing business. It is, I believe, ultimately less risky to be proactive and make the key strategic bet of choosing a primary customer. Companies that hedge their bets usually find themselves looking at the taillights of their more decisive and committed competitors.

A version of this article appeared in the March 2014 issue of Harvard Business Review.

Источник: https://hbr.org/2014/03/choosing-the-right-customer

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When a Microsoft product collects age, and there is an age in your jurisdiction under which parental consent or authorization is required to use the product, the product will either block users under that age or will ask them to provide consent or authorization from a parent or guardian before they can use it. We will not knowingly ask children under that age to provide more data than is required to provide for the product.

Once parental consent or authorization is granted, the child's account is treated much like any other account. The child can access communication services, like Outlook and Skype, and can freely communicate and share data with other users of all ages. Learn more about parental consent and Microsoft child accounts.

Parents or guardians can change or revoke the consent choices previously made, and review, edit, or request the deletion of the personal data of the children for whom they provided consent or authorization. As the organizer of a Microsoft family group, the parent or guardian can manage a child’s information and settings on their Family Safety page and view and delete a child’s data on their privacy dashboard.

Select Learn more below for more information about children and Xbox profiles.

When a Microsoft product collects age, and there is an age in your jurisdiction under which parental consent or authorization is required to use the product, the product will either block users under that age or will ask them to provide consent or authorization from a parent or guardian before they can use it. We will not knowingly ask children under that age to provide more data than is required to provide for the product.

Once parental consent or authorization is granted, the child's account is treated much like any other account. The child can access communication services, like Outlook and Skype, and can freely communicate and share data with other users of all ages. Learn more about parental consent and Microsoft child accounts.

Parents or guardians can change or revoke the consent choices previously made, and review, edit, or request the deletion of the personal data of the children for whom they provided consent or authorization. As the organizer of a Microsoft family group, the parent or guardian can manage a child’s information and settings on their Family Safety page and view and delete a child’s data on their privacy dashboard.

Below is additional information about the collection of data from children as related to Xbox.

What is Xbox? Xbox is the gaming and entertainment division of Microsoft. Xbox hosts an online network that consists of software and enables online experiences crossing multiple platforms. This network lets your child find and play games, view content, and connect with friends on Xbox and other gaming and social networks. Children can connect to the Xbox network using Xbox consoles, Windows devices, and mobile devices (Android and iPhone).

Xbox consoles are devices your child can use to find and play games, movies, music, and other digital entertainment. When they sign in to Xbox, in apps, games or on a console, we assign a unique identifier to their device. For instance, when their Xbox console is connected to the internet and they sign in to the console, we identify which console and which version of the console’s operating system they are using.

Xbox continues to provide new experiences in client apps that are connected to and backed by services such as Xbox network and cloud gaming. When signed in to an Xbox experience, we collect required data to help keep these experiences reliable, up to date, secure, and performing as expected.

Data we collect when you create an Xbox profile. You as the parent or guardian are required to consent to the collection of personal data from a child under 13 years old. With your permission, your child can have an Xbox profile and use the online Xbox network. During the child Xbox profile creation, you will sign in with your own Microsoft account to verify that you are an adult organizer in your Microsoft family group. We collect an alternate email address or phone number to boost account security. If your child needs help accessing their account, they will be able to use one of these alternates to validate they own the Microsoft account.

We collect limited information about children, including name, birthdate, email address, and region. When you sign your child up for an Xbox profile, they get a gamertag (a public nickname) and a unique identifier. When you create your child’s Xbox profile you consent to Microsoft collecting, using, and sharing information based on their privacy and communication settings on the Xbox online network. Your child’s privacy and communication settings are defaulted to the most restrictive.

Data we collect. We collect information about your child’s use of Xbox services, games, apps, and devices including:

  • When they sign in and sign out of Xbox, purchase history, and content they obtain.
  • Which games they play and apps they use, their game progress, achievements, play time per game, and other play statistics.
  • Performance data about Xbox consoles, Xbox Game Pass and other Xbox apps, the Xbox network, connected accessories, and network connection, including any software or hardware errors.
  • Content they add, upload, or share through the Xbox network, including text, pictures, and video they capture in games and apps.
  • Social activity, including chat data and interactions with other gamers, and connections they make (friends they add and people who follow them) on the Xbox network.

If your child uses an Xbox console or Xbox app on another device capable of accessing the Xbox network, and that device includes a storage device (hard drive or memory unit), usage data will be stored on the storage device and sent to Microsoft the next time they sign in to Xbox, even if they have been playing offline.

Xbox console diagnostic data. If your child uses an Xbox console, the console will send required data to Microsoft. Required data is the minimum data necessary to help keep Xbox safe, secure, up to date, and performing as expected.

Game captures. Any player in a multiplayer game session can record video (game clips) and capture screenshots of their view of the game play. Other players’ game clips and screenshots can capture your child’s in-game character and gamertag during that session. If a player captures game clips and screenshots on a PC, the resulting game clips might also capture audio chat if your child’s privacy and communication settings on the Xbox online network allow it.

Captioning. During Xbox real-time (“party”) chat, players may activate a voice-to-text feature that lets them view that chat as text. If a player activates this feature, Microsoft uses the resulting text data to provide captioning of chat for players who need it. This data may also be used to provide a safe gaming environment and enforce the Community Standards for Xbox.

Data use. Microsoft uses the data we collect to improve gaming products and experiences— making it safer and more fun over time. Data we collect also enables us to provide your child with personalized, curated experiences. This includes connecting them to games, content, services, and recommendations.

Xbox data viewable by others. When your child is using the Xbox network, their online presence (which can be set to “appear offline” or “blocked”), gamertag, game play statistics, and achievements are visible to other players on the network. Depending on how you set your child’s Xbox safety settings, they might share information when playing or communicating with others on the Xbox network.

In order to help make the Xbox network a safe gaming environment and enforce the Community Standards for Xbox, we may collect and review voice, text, images, videos and in-game content (such as game clips your child uploads, conversations they have, and things they post in clubs and games).

Xbox data shared with game and apps publishers. When your child uses an Xbox online game or any network-connected app on their Xbox console, PC, or mobile device, the publisher of that game or app has access to data about their usage to help the publisher deliver, support, and improve its product. This data may include: your child’s Xbox user identifier, gamertag, limited account info such as country and age range, data about your child’s in-game communications, any Xbox enforcement activity, game-play sessions (for example, moves made in-game or types of vehicles used in-game), your child’s presence on the Xbox network, the time they spend playing the game or app, rankings, statistics, gamer profiles, avatars, or gamerpics, friends lists, activity feeds for official clubs they belong to, official club memberships, and any content they create or submit in the game or app.

Third-party publishers and developers of games and apps have their own distinct and independent relationship with users and their collection and usage of personal data is subject to their specific privacy policies. You should carefully review their policies to determine how they use your child’s data. For example, publishers may choose to disclose or display game data (such as on leaderboards) through their own services. You may find their policies linked from the game or app detail pages in our stores.

Learn more at Data Sharing with Games and Apps.

To stop sharing game or app data with a publisher, remove its games or app from all devices where they have been installed. Some publisher access to your child’s data may be revoked at microsoft.com/consent.

Managing child settings. As the organizer of a Microsoft family group, you can manage a child’s information and settings on their Family Safety page, as well as their Xbox profile privacy settings from their Xbox Privacy & online safety page.

You can also use the Xbox Family Settings app to manage your child’s experience on the Xbox Network including: spending for Microsoft and Xbox stores, viewing your child’s Xbox activity, and setting age ratings and the amount of screen time.

Learn more about managing Xbox profiles at Xbox online safety and privacy settings.

Learn more about Microsoft family groups at Simplify your family’s life.

Accessing child data.  As the organizer of a Microsoft family group, a parent can view and delete a child’s data on their privacy dashboard. The dashboard allows you to review your child's personal information, have it deleted, and refuse to permit further collection or use of your child's information.

To close your child’s account, sign in with their account info at  account.microsoft.com/profile and select ”How to close your account.” 

Legacy.

  • Xbox 360. This Xbox console collects limited required diagnostic data. This data helps keep your child’s console functioning as expected.
  • Kinect. The Kinect sensor is a combination of camera, microphone, and infrared sensor that can enable motions and voice to be used to control game play. For example:
    • If you choose, the camera can be used to sign in to the Xbox network automatically using facial recognition. This data stays on the console, is not shared with anyone, and can be deleted at any time.
    • For game play, Kinect will map distances between the joints on your child’s body to create a stick figure representation to enable play.
    • The Kinect microphone can enable voice chat between players during play. The microphone also enables voice commands for control of the console, game, or app, or to enter search terms.
    • The Kinect sensor can also be used for audio and video communications through services such as Skype.

Learn more about Kinect at Xbox Kinect and Privacy.

Источник: https://privacy.microsoft.com/en-us/privacystatement
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Choosing the Right Customer

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All companies claim that their strategies are customer driven. But the term “customer” is among the most elastic in management theory. A working definition might be that your customers are the people or entities that buy your products and services and supply your revenue. That includes any number of actors in a company’s value chain: consumers, whole­salers, retailers, purchasing departments, and so forth. Some companies go as far as to label internal units as customers: Manufacturing is a customer of R&D, for instance, and both are customers of HR.

Other definitions don’t even require that a customer supply revenue. Pharma giant Merck’s most important customers are not the patients who use its drugs or the physicians who prescribe them. Instead, Merck has chosen research scientists in labs and universities around the world as its primary customer. Accordingly, its business model relies on encouraging its own world-class researchers to act like university scientists by conducting basic research, publishing papers, and presenting results at conferences, all with the intent of discovering groundbreaking compounds that can then be commercialized by Merck’s marketing and sales group. The business is even configured like a research university—a simple functional structure in which a powerful, centralized R&D unit receives the bulk of organizational resources.

Amazon devotes its resources to pleasing consumers, even if that means sellers or content providers sometimes feel shortchanged.

Unsurprisingly, perhaps, many executives are reluctant to define their customers as narrowly as Merck has. By not singling out any group as the primary customer, executives can sidestep difficult choices that might turn out badly—a temptation that’s particularly strong in new, rapidly evolving markets. What’s more, many business leaders believe that treating all value chain partners as customers improves internal coordination and responsiveness.

But by not identifying one primary customer, companies that consider themselves “customer focused” soon become anything but. Consider the contrasting fortunes of Yahoo and Google. Yahoo began as a broad-based internet portal supported by proprietary editorial content. To attract users, it hired journalists to write entertainment stories and created utilities such as Yahoo finance, Yahoo movies, and Yahoo sports. Over time, Yahoo executives began to spread resources among many additional initiatives, including social networks, products, media, and advertising. As a result, they under­invested in search, and the website became messy and confusing.

Then Google entered the field. From the outset, Google focused on users who appreciated technology and its ability to unlock new opportunities and applications. Like Merck, Google allocated the lion’s share of its resources (and prestige) to its technologists and engineers, who were given freedom to innovate. The aim throughout the business was to build the best technology in the world—whether in search, Android, or maps. With that sharply focused value proposition and business model, Google quickly leapfrogged Yahoo in the competitive marketplace.

The bottom line is this: The strategic choice of primary customer—with special emphasis on “primary”—defines the business. This is certainly true at Amazon, which serves four very different types of customer: consumers, sellers, enterprises, and content providers. You might think that it considers all four customer groups to be equally important. But the company’s choice of primary customer is reflected clearly in its well-known mission “to be the world’s most consumer-centric company.” Amazon devotes maximum resources to pleasing consumers, even if that means sellers or content providers sometimes feel shortchanged (sellers whose storefronts are hosted on the Amazon platform have been known to sue Amazon for more resources). This unwavering focus on consumers has created innovations such as prime free shipping, detailed product reviews (including negative ones), look-inside-this-book, and the listing of lower-priced products from off-site competitors. These practices have often been criticized as inherently unprofitable or injurious to Amazon’s other constituents. But the main results of the company’s choice are the ones that count most: unparalleled customer loyalty and stratospheric stock valuations.

In the following pages I’ll present a truly customer-driven framework that can help executives build winning business models for their companies. The framework lays out four steps: identifying the best primary customer for your business, creating processes to learn what that customer values, allocating resources accordingly, and building an interactive control process to monitor the assumptions that underlie your choice.

Step 1: Identify Your Primary Customer

As the cases of Merck, Google, and Amazon illustrate, your most important customers are not those that generate the most revenue but those that can unlock the most value in your business. For some businesses, the primary customer will be the end user or consumer of the product or service. For others, an intermediary (such as a reseller or a broker) will be the critical customer to which organizational resources should be devoted.

But how can executives be confident that they’re making the right choice? Identifying the best primary customer for your firm involves assessing each group of customers along three dimensions: perspective, capabilities, and profit potential. Let’s look briefly at each.

Perspective refers to the culture, mission, and folklore of a business, often revealed in stories about important events or people in the company’s history. It is the lens through which executives consider opportunities and strategic direction. Steve Jobs’s obsession with perfection in product design created a legacy that frames the opportunities Apple managers will (and will not) consider. Walmart’s Sam Walton was famously frugal in his own life. And Amazon founder Jeff Bezos is a zealot about delivering a superior experience to shoppers. “When [executives of other companies] are in the shower in the morning, they’re thinking about how they’re going to get ahead of one of their top competitors,” he does chase bank offer a secured credit card Fortune in 2012. “Here in the shower, we’re thinking about how we are going to invent something on behalf of a customer.” Clearly, the choice of primary customer must reflect a company’s perspective; otherwise the company will be unable to leverage the energy and creativity of its people in service to the customer.

Capabilities refers to the embedded resources of the firm. Some firms excel at technology (Apple, Google, Airbus), some at logistics (Walmart, Amazon, Dell). Others provide superior brand marketing (Ralph Lauren, Nestlé, P&G) or have industry-­specific capabilities (original content production at HBO and Netflix, mining at BPH Billiton). Such capabilities, which are built up over time and are often difficult to copy, position a business to serve the needs of certain customers better than others. Dell in its early years built a formidable low-cost logistics operation to support its direct-to-consumer sales model. Today, the company is attempting to change its primary customer by refocusing on CIOs of large enterprises. This pivot has proved difficult for Dell because CIOs look for a set of capabilities—integrated hardware, software, and services solutions—very different from what end consumers need.

Customers often don’t know exactly what it is they value. Uncovering the full truth about their needs requires systematic research at multiple levels.

Profit potential refers to a customer’s ability to deliver profits. Techniques such as Michael Porter’s five forces analysis can provide insight into the relative profitability of various customer types—and help weed out those that would be a poor choice for primary customer. Consider HBO. Cable operators that purchase HBO’s content might seem to be the obvious choice. But cable operators have low switching costs—they can easily buy content from a variety of producers. Thus HBO would have little market power and would be unable to extract high margins from cable operators. But by targeting filmmakers as the primary customer and devoting significant resources to their needs, HBO can create the unique products that viewers demand, allowing it to charge premium prices that cable operators cannot negotiate. Of course, profit potential isn’t always about customers who can pay premium prices; becoming the preferred destination for cost-conscious customers can deliver substantial profits through volume, as Walmart has demonstrated.

LinkedIn is one successful company whose primary customer clearly fits all three dimensions. For more on how it settled on individuals (rather than job recruiters or advertisers), see the exhibit “How LinkedIn Chose Its Primary Customer.”

Step 2: Understand What Your Primary Customer Values

Once you’ve determined who your primary customer is, the next step is to identify which product and service attributes the customer values. Within the same market and industry, different primary customers may value different things: Some demand the lowest possible price, others want a dedicated service relationship, and still others are looking for the best technology or brand or other specific attribute. To complicate matters, customers often don’t know exactly what it is they value. Uncovering the full truth about their needs kemba financial credit union auto loans systematic research at multiple levels.

Let’s take the easy part first. Assume you have already chosen the best primary customer and have a good working idea of what the customer wants. There’s still plenty of room for improvement. You can refine your understanding by leveraging today’s easy and cheap access to data on customer buying habits, preferences, and search activities. Data analytics is an important tool in uncovering and rapidly responding to changing customer needs. At Google, separate analytics teams for display, search, and maps spend untold hours in their labs with customers studying eye movement and other variables to gauge their reactions to subtle product modifications such as changes in color. Nestlé has a war room where analysts monitor social media to track chatter that relates to or affects the acceptance of its products. The analysts use the intelligence to inform product research and marketing decisions and to evaluate in real time how well their value propositions are meeting the needs of the primary customer.

Such data can help you fine-tune a product or a website’s functionality to better meet your customer’s known needs. They’re unlikely, though, to help you identify what your customers want but aren’t getting. For that, you need to actually ask them. Smart companies set up systematic dialogues with their primary customers. Managers at FedEx, for example, hold twice-yearly summits where they bring in a sampling of business customers (the firm’s primary customer) to ask them where FedEx is doing a good job of meeting their needs and where competitors are doing better. At Germany’s Henkel, the world’s leader in adhesives, CEO Kasper Rorsted has created a “tops to tops” program in which all executives are required to meet regularly with their counterparts at major customers to ensure that their needs are understood and the company is responding appropriately. Other companies, especially those with rapid product cycles, manage the dialogue through new-product testing. Google’s Gmail, for example, was released after five years of beta testing by more than 1,000 technology opinion leaders.

Finally, you should set up processes for identifying products or services that customers may not know they need. This can be challenging—and expensive. Smart companies typically rely on ethnographic methods. At P&G, for instance, where consumers are the primary customer, executives ask their managers and market researchers to spend days at a time accompanying consumers on shopping trips and sitting at the family dinner table to more fully understand the extent to which various products meet consumer needs. CEO A.G. Lafley recounts in his book The Game Changer how the experiences of P&G executives living with lower-middle-class families in Mexico City produced Downy Single Rinse, a fabric softener that is simpler to use for markets where water is in short supply.

Most companies assume that their products and services meet the needs of their customers. But surprisingly few actually test this assumption. So ask yourself, What are the processes we use to make sure that we truly understand what our customers value and that we can deliver value better than our competitors do?

Step 3: Allocate Resources to Win

As we saw with Merck and Amazon, your choice of primary customer and your understanding of what the customer values provide all the information you need to make the critically important decision of how to organize your company’s resources—in other words, what kind of business model to adopt. There are five basic configurations you can choose from.

Low price.

If your primary customer is looking for the lowest possible price, centralized operating functions (such as merchandising and distribution) should receive the bulk of organizational resources, in order to create economies of scale and scope. Customer-facing units, such as yahoo customer service phone number for your region or restaurants, should receive relatively few resources. This is the configuration used by Walmart.

Local value creation.

If your customer values products and services that are customized to local tastes, preferences, and regulations, you should organize like Nestlé. It pushes resources out to regions so that local managers can customize product offerings, while operating core functions are limited to corporate-level support activities.

Global standard of excellence.

If your customers are looking for the best possible technology or brand no matter where they are located, you should organize resources around global business units that are defined by product lines. This configuration allows focus and leverage in R&D, brand marketing, and distribution. Microsoft, for example, has separate business units for Windows, servers, MSN, mobile, and Xbox. Each unit has full revenue and profit responsibility and its own R&D. (Note: Microsoft has recently announced that it intends to change its structure to more of an expert knowledge organization—described below—to emulate Google.)

Dedicated service relationship.

If your customer is looking for an ongoing, deeply embedded service relationship, you should organize like IBM. Customer teams in industry-based “verticals” marshal and coordinate product and service delivery from centralized, product-based “horizontal” units.

Expert knowledge.

Finally, if your primary customer is looking for expert technical knowledge, you should follow the example of Google and Merck, where R&D sits prominently on top of product organizations that receive the lion’s share yahoo customer service phone number for your region the company’s attention and resources, with other functions playing a supporting role. These R&D-led product units, which may be distributed in centers around the world, have no revenue responsibility: They are focused entirely on product development and on creating breakthrough technology. All sales revenue is routed through a centralized, stand-alone sales division that is configured as a distinct function.

Of course, various permutations and combinations of these five basic configurations are possible. Many companies will want to leverage the advantages of several models at once. Some companies experiment with matrix structures that can simultaneously emphasize, say, geography and function or business unit and region. This “split the difference” approach can be appealing if, for example, you are an engineering company like ABB and your primary customer is government purchasers that demand both the best technical features (global standard of excellence) and customized content (local value creation). But it should be noted that matrix organizations are notoriously difficult to manage; all too often, a matrix structure reflects an inherent confusion about who the primary customer is rather than an effective response to the customer’s needs pay fpl bill debit card preferences.

As a general proposition, when a business finds that it has more than one primary customer, it should be split into separate units and adopt for each the configuration that best allows it to focus resources on the needs of its primary customer (“the rule of one”). At Nestlé, for example, although most of the business is structured using a local value configuration, the company’s strategy differs for two of its brands: Nespresso and Mövenpick. Customers want a consistent, premium experience from those brands regardless of location. Accordingly, those businesses are managed using a global standard of excellence configuration in which resources are centralized and managed globally.

In reviewing a business model, the key question executives should ask 50 degrees c to f this: Do the choices we have made about the company’s structure reflect our choice of primary customer? If the answer is no, competitors whose business models are consistent with their chosen primary customer will almost certainly be outplaying you.

Step 4: Make the Control Process Interactive

As good as your business model may be today, it cannot and will not survive forever. Customer tastes will change, new technologies will replace old, unforeseen competitors will enter the market, and regulations and population demographics will evolve over time. That means you must constantly gather information on shifts in your competitive environment, especially those that might affect the behavior of your primary customer. You must be alert to emerging threats and opportunities that will redefine what your customer values and that customer’s profit potential. If the changes are dramatic, you may need to yahoo customer service phone number for your region reorient your business model—and even, in the most radical situations, select a different primary customer.

The best way to get the information you need is to make sure that your company’s control systems are interactive. Everyone in the organization should be using the same performance measures as the basis for learning and debate. Monitoring changes in customer behavior and the competitive environment, in particular, is not a function to be delegated to a special department. As a technology executive recently told me, “Companies that get it wrong are those that build departments with ‘innovation’ in their titles. We need to have everyone in the business innovating.”

Depending on your business strategy and industry, you can choose to use any of your current management systems interactively—your profit planning system, your brand revenue system, your orders-on-book or new deal system. At HBO, for example, executives constantly chase mileage plus customer service phone number the company’s success rate in bidding for new shows from filmmakers and use that measure to prompt a discussion among managers throughout the business about changes in the competitive marketplace that could affect their strategy. Amazon’s category managers use their Monday morning meetings as a forum to study data about product assortment choices, revenue growth, customer orders, and inventory turnover. Reflecting the firm’s leadership principles (customer obsession; bias for action; earn trust of others; dive deep; and have backbone, disagree, and commit), these meetings are highly interactive as managers from a diverse array of functions work together to interpret the data and come up with action plans. Some of these actions may, over time, plant the seeds of a new strategy.

Companies that hedge their bets usually find themselves looking at the taillights of their more decisive competitors.

Systems that work well interactively—like those at HBO and Amazon—share three essential characteristics: They deliver information about uncertainties that could undermine the assumptions of a current strategy and require attention from the highest levels of management; they are widely used in the organization, receiving frequent and regular attention from operating managers at all levels; and they involve face-to-face meetings that focus on emerging data, assumptions, and action plans. There is no substitute for the energy and creativity that flow from open debate when participants leave their titles at the door.

In using interactive control processes, managers should continually ask three questions: What has changed? Why? and, most important, What are we going to do about it? If you identify changes in your customers’ profit potential, for instance, you might want to rethink your choice of your primary customer. Changes in tastes, regulations, technology, or competition may alter what it is that your primary customer values—resulting in a need to reallocate resources or redesign your business structure. If you have significant first-mover advantage thanks to a new technology—or if competitors are evolving and struggling to find their way—you may be able to duck making a choice of primary customer, opting instead to stay fluid and focus on experimentation. But the entrepreneurial landscape is littered with the yahoo customer service phone number for your region of companies that tried to be everything to everyone. Like Yahoo, they muddled along until they were overtaken by crisis, often bringing in a new leader in a last-ditch effort to impose discipline and focus on a failing business. It is, I believe, ultimately less risky to be proactive and make the key strategic bet of choosing a primary customer. Companies that hedge their bets usually find themselves looking at the taillights of their more decisive and committed competitors.

A version of this article appeared in the March 2014 issue of Harvard Business Review.

Источник: https://hbr.org/2014/03/choosing-the-right-customer

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When a Microsoft product collects age, and there is an age in your jurisdiction under which parental consent or authorization is required to use the product, the product will either block users under that age or will ask them to provide consent or authorization from a parent or guardian before they can use it. We will not knowingly ask children under that age to provide more data than is required to provide for the product.

Once parental consent or authorization is granted, the child's account is treated much like any other account. The child can access communication services, like Outlook and Skype, and can freely communicate and share data with other users of all ages. Learn more about parental consent and Microsoft child accounts.

Parents or guardians can change or revoke the consent choices previously made, and review, edit, or request the deletion of the personal data of the children for whom they provided consent or authorization. As the organizer of a Microsoft family group, the parent or guardian can manage a child’s information and settings on their Family Safety page and view and delete a child’s data on their privacy dashboard.

Select Learn more below for more information about children and Xbox profiles.

When a Microsoft product collects age, and there is an age in your jurisdiction under which parental consent or authorization is required to use the product, the product will either block users under that age or will ask them to provide consent or authorization from a parent or guardian before they can use it. We will not knowingly ask children under that age to provide more data than is required to provide yahoo customer service phone number for your region the product.

Once parental consent or authorization is granted, yahoo customer service phone number for your region child's account is treated much like any other account. The child can access communication services, like Outlook and Skype, and can freely communicate and share data with other users of all ages. Learn more about parental consent and Microsoft child accounts.

Parents or guardians can change or revoke the consent choices previously made, and review, edit, or request the deletion of the personal data of the children for whom they provided consent or authorization. As the organizer of a Microsoft family group, the parent or guardian can manage a child’s information and settings on their Family Safety page and view and delete a child’s data on their privacy dashboard.

Below is additional information about the collection of data from children as related to Xbox.

What is Xbox? Xbox is the gaming and entertainment division of Microsoft. Xbox hosts an online network that consists of software and enables online experiences crossing multiple platforms. This network lets your child find and play games, view content, and connect with friends on Xbox and other gaming and social networks. Children can connect to the Xbox network using Xbox consoles, Windows devices, and mobile devices (Android and iPhone).

Xbox consoles are devices your child can use to find and play games, movies, music, and other digital entertainment. When they sign in to Xbox, in apps, games or on a console, yahoo customer service phone number for your region assign a unique identifier to their device. For instance, when their Xbox console is connected to the internet and they sign in to the console, we identify which console and which version of the console’s operating system they are using.

Xbox continues to provide new experiences in client apps that are connected to and backed by services such as Xbox network and cloud gaming. When signed in to an Xbox experience, we collect required data to help keep these experiences reliable, up to date, secure, and performing as expected.

Data we collect when you create an Xbox profile. You as the parent or guardian are required to consent to the collection of personal data from a child under 13 years old. With your permission, your child can have an Xbox profile and use the online Xbox network. During the child Xbox profile creation, you will sign in with your own Microsoft account to verify that you are an adult organizer in your Microsoft family group. We collect an alternate email address or phone number to boost account security. If your child needs help accessing their account, they will be able to can i pay my tmobile bill with a check one of these alternates to validate they own the Microsoft account.

We collect limited information about children, including name, birthdate, email address, and region. When you sign your child up for an Xbox profile, they get a gamertag (a public nickname) and a unique identifier. When you create your child’s Xbox profile you consent to Microsoft collecting, using, and sharing information based on their privacy and communication settings on the Xbox online network. Your child’s privacy and communication settings are defaulted to the most restrictive.

Data we collect. We collect information about your child’s use of Xbox services, games, apps, and devices including:

  • When they sign in and sign out of Xbox, purchase history, and content they obtain.
  • Which games they play and apps they use, their game progress, achievements, play time per game, and other play statistics.
  • Performance data about Xbox consoles, Xbox Game Pass and other Xbox apps, the Xbox network, connected accessories, and network connection, including any software or hardware errors.
  • Content they add, upload, or share through the Xbox network, including text, pictures, and video they capture in games and apps.
  • Social activity, including chat data and interactions with other gamers, and connections they make (friends they add and people who follow them) on the Xbox network.

If your child uses an Xbox console or Xbox app on another device capable of accessing the Xbox network, and that device includes a storage device (hard drive or memory unit), usage data will be stored on the storage device and sent to Yahoo customer service phone number for your region the next time they sign in to Xbox, even if they have been playing offline.

Xbox console diagnostic data. If your child uses an Xbox console, the console will send required data to Microsoft. Required data is the minimum data necessary to help keep Xbox safe, secure, up to date, and performing as expected.

Game captures. Any player in a multiplayer game session can record video (game clips) and capture screenshots of their view of the game play. Other players’ game clips and screenshots can capture your child’s in-game character and gamertag during that session. If a player captures game clips and screenshots on a PC, the resulting game clips might also capture audio chat if your child’s privacy and communication settings on the Xbox online network allow it.

Captioning. During Xbox real-time (“party”) chat, players may activate a voice-to-text feature that lets them view that chat as text. If a player activates this feature, Microsoft uses the resulting text data to provide captioning of chat for players who need it. This data may also be used to provide a safe gaming environment and enforce the Community Standards for Xbox.

Data use. Microsoft uses the data we collect to improve gaming products and experiences— making it safer and more fun over time. Data we collect also enables us to provide your child with personalized, curated experiences. This includes connecting them to games, content, services, and recommendations.

Xbox data viewable by others. When your child is using the Xbox network, their online presence (which can be set to “appear offline” or “blocked”), gamertag, game play statistics, and achievements are visible to other players on the network. Depending on how you set your child’s Xbox safety settings, they might share information when playing or communicating with others on the Xbox network.

In order to help make the Xbox network a safe gaming environment and enforce the Community Standards for Xbox, we may collect and review voice, text, images, videos and in-game content (such as game clips your child uploads, conversations they have, and things they post in clubs and games).

Xbox data shared with game and apps publishers. When your child uses an Xbox online game or any network-connected app on their Xbox console, PC, or mobile device, the publisher of that game or app has access to data about their usage to help the publisher deliver, support, and improve its product. This data may include: your child’s Xbox user identifier, gamertag, limited account info such as country and age range, data about your child’s in-game communications, any Xbox enforcement activity, game-play sessions (for example, moves made in-game or types of vehicles used in-game), your child’s presence on the Xbox network, the time they spend playing the game or app, rankings, statistics, gamer profiles, avatars, or gamerpics, friends lists, activity feeds for official clubs they belong to, official club memberships, and any content they create or submit in the game or app.

Third-party publishers and developers of games and apps have their own distinct and independent relationship with users and their collection and usage of personal data is subject to their specific privacy policies. You should carefully review their policies to determine how they use your child’s data. For example, publishers may choose to disclose or display game data (such as on leaderboards) through their own services. Yahoo customer service phone number for your region may find their policies linked from the game or app detail pages in our stores.

Learn more at Data Sharing with Games and Apps.

To stop sharing game or app data with a publisher, remove its games or app from all devices where they have been installed. Some publisher access to your child’s data may be revoked at microsoft.com/consent.

Managing child settings. As the organizer of a Microsoft family group, you can manage a child’s information and settings on their Family Safety page, as well as their Xbox profile privacy settings from their Xbox Privacy & online safety page.

You can also use the Xbox Family Settings app to manage your child’s experience on the Xbox Network including: spending for Microsoft and Xbox stores, viewing your child’s Xbox activity, and setting age ratings and the amount of screen time.

Learn more about managing Xbox profiles at Xbox online safety and privacy settings.

Learn more about Microsoft family groups at Simplify your family’s life.

Accessing child data.  As the organizer of a Microsoft family group, a parent can view and delete a child’s data on their privacy dashboard. The dashboard allows you to review your child's personal information, have it deleted, and refuse to permit further collection or use of your child's information.

To close your child’s account, sign in with their account info at  account.microsoft.com/profile and select ”How to close your account.” 

Legacy.

  • Xbox 360. This Xbox console collects limited required diagnostic data. This data helps keep your child’s console functioning as expected.
  • Kinect. The Kinect sensor is a combination of camera, microphone, and infrared sensor that can enable motions and voice to be used to control game play. For example:
    • If you choose, the camera can be used to sign in to the Xbox network automatically using facial recognition. This data stays on the console, is not shared with anyone, and can be deleted at any time.
    • For game play, Kinect will map distances between the joints on your child’s body to create a stick figure representation to enable play.
    • The Kinect microphone can enable voice chat between players during play. The microphone also enables voice commands for control of the console, game, or app, or to enter search terms.
    • The Kinect sensor can also be used for audio and video communications through services such as Skype.

Learn more about Kinect at Xbox Kinect and Privacy.

Источник: https://privacy.microsoft.com/en-us/privacystatement

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