WASHINGTON (AP) — After years of gridlock, this may be the moment when Congress at last does something about the millions of immigrants living illegally in the U. S.

All eyes are on a more than 1,000-page Senate proposal with the you-said-a-mouthful title of the "Border Security, Economic Opportunity and Immigration Modernization Act of 2013." The bill cleared its first procedural hurdles in the Senate on Thursday, and President Barack Obama hopes to have a bill on his desk by the fall.

What's in the bill? Is there a Plan B? And who are all these immigrants, once you get past the big round numbers?

A big dose of facts, figures and other information to help understand the current debate:

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WHY NOW?

Major problems with U. S. immigration have been around for decades.

President George W. Bush tried to change the system and failed. Obama promised to overhaul it in his first term, but never did.

In Obama's second term, he's making immigration a priority, and Republicans also appear ready to deal.

Why the new commitment?

Obama won 71 percent of Hispanic voters in his 2012 re-election campaign, and he owes them. Last year's election also sent a loud message to Republicans that they can't ignore this pivotal voting bloc.

It's been the kind of breathtaking turnaround you rarely see in politics. Plus, there's growing pressure from business leaders, who want to make it easier for the U. S. to attract highly educated immigrants and to legally bring in more lower-skilled workers such as farm laborers.

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WHAT'S THE PROBLEM?

Talk about "comprehensive immigration reform" generally centers on four main questions:

—What to do about the 11 million-plus immigrants who live in the U. S. without legal permission.

—How to tighten border security.

—How to keep businesses from employing people who are in the U. S. illegally.

—How to improve the legal immigration system, now so convoluted that the adjective "Byzantine" pops up all too frequently.

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WHAT'S THE GANG OF EIGHT?

A group of four Democrats and four Republicans in the Senate that crafted a bill to address all four questions. In a nutshell, this proposal would tighten border controls, allow more high- and low-skilled workers to legally immigrate, require employers to verify their workers have legal status, and create an opportunity for those who are in the U. S. illegally to eventually become citizens.

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IS THERE A PLAN B?

And C and D.

Obama has his own backup plan in case congressional talks fail, but he's given his support to the Senate bill as a worthy compromise.

In the House, Republican Rep. Bob Goodlatte, the head of the House Judiciary Committee, says his committee will tackle the main immigration issues one by one, instead of starting with a single sweeping bill.

Separately, there's a bipartisan House group working on legislation.

Obama says he will keep an open mind about the various proposals, but the final deal has to address all the big issues.

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COMING TO AMERICA

A record 40.4 million immigrants live in the U. S., representing 13 percent of the population. More than 18 million are naturalized citizens, 11 million are legal permanent or temporary residents, and more than 11 million are in the country without legal permission, according to the Pew Hispanic Center, a private research organization.

Those in the U. S. illegally made up about 3.7 percent of the U. S. population in 2010. While overall immigration has steadily grown, the number of immigrants in the U. S. illegally peaked at 12 million in 2007.

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WHERE FROM?

Twenty-nine percent of the foreign-born in the U. S., or about 11.7 million people, came from Mexico. About 25 percent came from South and East Asia, 9 percent from the Caribbean, 8 percent from Central America, 7 percent South America, 4 percent the Middle East and the rest from elsewhere.

The figures are more lopsided for immigrants living here illegally: An estimated 58 percent are from Mexico. The next closest figure is 6 percent from El Salvador, says the government.

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WHERE TO?

California has the largest share of the U. S. immigrant population, 27 percent, followed by New York, New Jersey, Florida, Nevada, Hawaii and Texas, according to the Migration Policy Institute, a private group focused on global immigration issues.

California has the largest share of immigrants in the U. S. illegally, at 25 percent, followed by Texas with 16 percent. Florida and New York each have 6 percent, and Georgia has 5 percent, according to the Homeland Security Department.

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GETTING IN

Here's one way to think about the ways immigrants arrive in the U. S: Some come in the front door, others the side door and still others the back door, as laid out in a report from the private Population Reference Bureau.

—Arriving through the front door: people legally sponsored by their families or employers. Also refugees and asylum-seekers, and immigrants who win visas in an annual "diversity" lottery.

—Side door: legal temporary arrivals, including those who get visas to visit, work or study. There are dozens of types of nonimmigrant visas, available to people ranging from business visitors to foreign athletes and entertainers. Visitors from dozens of countries don't even need visas.

—Back door: Somewhat more than half of those in the U. S. illegally have come in the back door, evading border controls, Pew estimates. The rest legally entered, but didn't leave when they were supposed to or otherwise violated terms of their visas.

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IS IT A CRIME?

Simply being in the United States in violation of immigration laws isn't, by itself, a crime; it's a civil violation.

Entering the country without permission is a misdemeanor criminal offense. Re-entering the country without authorization after being formally removed can be felony.

Pew estimates that fewer than half of immigrants who lack legal permission to live in the U. S. didn't enter the country illegally. They overstayed their visas, worked without authorization, dropped out of school or otherwise violated the conditions of their visas.

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WHAT'S IN A NAME?

There are varying and strong opinions about how best to refer to the 11 million-plus people who are in the U. S. without legal permission.

Illegal immigrants? Undocumented workers? Unauthorized population? Illegal aliens?

The last has generally fallen out of favor. Some immigrant advocates are pressing a "Drop the I-Word" campaign, arguing that it is dehumanizing to refer to people as "illegal."

"Undocumented worker" often isn't accurate because many aren't workers, and some have documents from other countries. Homeland Security reports refer to "unauthorized immigrants," but the agency also reports statistics on "aliens apprehended."

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DEFINITIONS, PLEASE:

—Legal permanent residents (LPRs): people who have permission to live in the U. S. permanently but aren't citizens. They're also known as "green card" holders. Most of them can apply for citizenship within five years of getting green cards. In 2011, 1.06 million people got the cards.

—Refugees and "asylees": people who come to the U. S. to avoid persecution in their home countries. What's the difference between the two terms? Refugees are people who apply for protective status before they get to the U. S. Those referred to by Homeland Security as "asylees" are people who apply upon arrival in the U. S. or later.

—Naturalization: The process by which immigrants become U. S. citizens.

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GOING GREEN

Is there an actual green card? Indeed there is.

It's the Permanent Resident Card issued to people who are authorized to live and work in the U. S. on a permanent basis. In 2010, the government redesigned them to add new security features — and make them green again.

The cards had been a variety of colors over the years. New green cards are good for 10 years for lawful permanent residents and two years for conditional residents.

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PATH TO CITIZENSHIP

There's a lot of talk about creating a "path to citizenship" for immigrants who are in the U. S. without legal status.

But there's vigorous debate over what conditions these immigrants should have to satisfy to get citizenship — among them are paying taxes, fines and fees, and passing background checks.

Some legislators want to set additional conditions, such as improvements in border security and in tracking whether legal immigrants leave the country when required. Others want to limit immigrants who are in the U. S. illegally to some sort of legal status that stops short of citizenship.

But more than 60 percent of Americans think those who are here illegally should have a way to become citizens, according to an Associated Press-GfK poll conducted in April.

The Senate bill would allow those in the country illegally to obtain "registered provisional immigrant" status six months after the bill was enacted if they met certain conditions.

Additional border security improvements would have to go into place before anyone obtained green cards or citizenship.

It would take immigrants living here illegally at least 13 years to get all the way to citizenship. They'd have to pay taxes, fees and $2,000 in fines. No one who entered the country after Dec. 31, 2011, or had a felony conviction or more than three misdemeanors would be eligible.

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THE A-WORD

Nothing stirs up a hornet's nest like talk of amnesty for immigrants who are in the country illegally, although there's a lot of disagreement over how to define the term.

A 2007 effort to overhaul the immigration system, led by Bush, failed in part because Republicans were dismayed that it included a process to give otherwise law-abiding immigrants who were in the country illegally a chance to become citizens. Critics complained that would be offering amnesty.

All sides know it's not practical to talk about sending 11 million-plus people back to their countries of origin. So one big challenge this time is finding an acceptable way to resolve the status of those who are in the country illegally.

Backers of the Senate bill stress that those who are in the country illegally would have a longer and more difficult path to citizenship under their plan than would immigrants who followed all the rules.

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GETTING A REPRIEVE

While the larger immigration debate goes on, the government already is offering as many as 1.76 million immigrants who are in the country illegally a way to avoid deportation, at least for now.

Obama announced a program in June that puts off deportation for many people brought here as children. Applicants for the reprieve must have arrived before they turned 16, be younger than 31 now, be high school graduates or in school, or have served in the military. They can't have a serious criminal record or pose a threat to public safety or national security.

Applications for the Deferred Action for Childhood Arrivals program are averaging more than 3,000 a day. By the end of April, more than 515,000 people had applied and more than 290,000 had been approved, with most of the rest still under consideration.

Applications have come from all 50 states, with the largest number coming from California and Texas. Nearly 75 percent of the applicants are originally from Mexico.

In some ways, the program closely tracks the failed DREAM Act, which would have given many young illegal immigrants a path to legal status. Obama's program doesn't give them legal status but it at least protects them from deportation for two years.

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HISTORY: DOING THE WAVE

The U. S. is in its fourth and largest immigration wave.

First came the Colonial era, then an 1820-1870 influx of newcomers mostly from Northern and Western Europe. Most were Germans and Irish, but the gold rush and jobs on the transcontinental railroad also attracted Chinese immigrants.

In the 1870s, immigration declined due to economic problems and restrictive legislation.

The third wave, between 1881 and 1920, brought more than 23 million people to the U. S., mostly from Southern and Eastern Europe, aided by cheaper trans-Atlantic travel and lured by employers seeking workers.

Then came the Great Depression and more restrictive immigration laws, and immigration went into decline for decades.

The fourth wave, still underway, began in 1965 with the end of immigration limits based on nationality. Foreign-born people made up 1 in 20 residents of the U. S. in 1960; today, the figure is about 1 in 8.

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HISTORY: HERE A LAW, THERE A LAW

Until the late 1800s, immigration was largely a free-for-all. Then came country-by-country limits. Since then, big changes in U. S. immigration law have helped produce big shifts in migration patterns.

Among the more notable laws:

—1965 Immigration and Nationality Act: Abolished country-by-country limits, established a new system that determined immigration preference based on family relationships and needed skills, and expanded the categories of family members who could enter without numerical limits.

—1986 Immigration Reform and Control Act: Legalized about 2.7 million immigrants living in the U. S. illegally, 84 percent of them from Mexico and Central America.

—1990 Immigration Act: Increased worldwide immigration limit to a "flexible cap" of 675,000 a year. The number can go higher in some years if there are unused visas available from the previous year.

—1996 Immigrant Reform and Immigrant Responsibility Act. Expanded possible reasons for deporting people or ruling them ineligible to enter the U. S., expedited removal procedures, gave state and local police power to enforce immigration laws.

—Post-2001: In 2001, talk percolated about a new immigration plan to deal with unauthorized immigrants, guest workers and violence along the Mexican border. But the Sept. 11 terrorist attacks of 2001 put an end to that, amid growing unease over illegal immigration.

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ABOUT LAST TIME. ...

The last big immigration legalization plan, in 1986, took six years to get done.

The law, signed by President Ronald Reagan, had three main components: making it illegal to hire unauthorized workers, improving border enforcement and providing for the legalization of a big chunk of the estimated 3 million to 5 million immigrants then in the country illegally.

The results were disappointing on two central fronts: The hiring crackdown largely failed because there was no good way to verify eligibility to work, and it took a decade to improve border security. As a result, illegal immigration continued to grow, fueled by the strong U. S. economy.

What did work as intended: Close to 3 million immigrants living in the U. S. without permission received legal status. By 2009, about 40 percent of them had been naturalized, according to Homeland Security.

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LATINOS RISING

Census figures show that between 1960 and 2010, immigration from Europe declined while the numbers coming from Latin America and Asia took off. As the immigrants' points of origin changed, so did their destinations. Concentrations shifted from the Northeast and Midwest to the South and West.

A few Census Bureau snapshots:

—In 1960, there were fewer than 1 million people in the U. S. who were born in Latin America. By 2010, there were 21.2 million.

—In 1960, 75 percent of foreigners in the U. S. came from Europe. By 2010, 80 percent came from Latin America and Asia.

—In 1960: 47 percent of the foreign-born lived in the Northeast and 10 percent in the South. By 2010, 22 percent lived in the Northeast and 32 percent in the South.

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THE FENCE

The fence between the U. S. and Mexico runs off and on for 651 miles along the 1,954-mile border. Most of it has been built since 2005. At some points, it's an 18-foot-high steel mesh structure topped with razor wire. At others, it's a rusting, 8-foot-high thing, made of Army surplus landing mats from the Vietnam War.

The fencing is one of the more visible manifestations of a massive effort over the past two decades to improve border security. The results of that effort are dramatic. Those images of crowds of immigrants sprinting across the border illegally while agents scramble to nab a few are largely a thing of the past.

Two decades ago, fewer than 4,000 Border Patrol agents worked along the Southwest border. Today there are 18,500.

Plummeting apprehension statistics are one measure of change: 357,000 last year, compared with 1.6 million in 2000. The numbers are down in part because fewer are trying to make it across.

The border isn't sealed but it is certainly more secure.

The Senate bill would require the government to have even tougher border security plans before those who are in the country illegally could become legal permanent residents.

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WHO'S HANGING AROUND

With tighter border security and years of economic difficulty in the U. S., it turns out that most of the immigrants who are in the U. S. without permission have been there for a while. Just 14 percent have arrived since the start of 2005, according to Homeland Security estimates. In contrast, 29 percent came during the previous five years.

At the peak in 2000, about 770,000 immigrants arrived annually from Mexico, most of them entering the country illegally. By 2010, the pace had dropped to about 140,000, most of them arriving as legal immigrants, according to Pew.

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WHO'S LEAVING?

Mexicans, mostly. Since 1986, more than 4 million noncitizens have been deported. Deportations have expanded in the Obama administration, reaching 410,000 in 2012 from 30,000 in 1990. Most of those deported — 75 percent — are sent back to Mexico. Nearly half of those removed had prior criminal convictions. So far, the Obama administration has deported more than 1.6 million people.

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TO NATURALIZE OR NOT

Lots of U. S. immigrants who are eligible to become naturalized citizens don't bother. As of 2010, about two-thirds of eligible immigrants had applied for citizenship, according to the Migration Policy Institute. That lags behind the rate in other English-speaking countries such as Australia and Canada, which do more to promote naturalization.

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WHY BOTHER?

What's so great about citizenship?

Naturalization offers all sorts of rights and benefits, including the right to vote and run for office. Naturalized citizens are protected from losing their residency rights and being deported if they get in legal trouble. They can bring family members into the U. S. more quickly.

Certain government jobs and licensed professions require citizenship. Citizenship also symbolizes full membership in U. S. society.

In 2010, there was a 67 percent earnings gap between naturalized citizens and noncitizen immigrants, according to a report from the Migration Policy Institute. Even after stripping out differences in education, language skills and work experience, naturalized citizens earned at least 5 percent more.

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SKIPPING IT

Nearly two-thirds of the 5.4 million legal immigrants from Mexico who are eligible to become U. S. citizens haven't done so, according to a Pew study released in February. Their rate of naturalization is half that of legal immigrants from all other countries combined. The barriers to naturalization cited by Mexican nonapplicants include the need to learn English, the difficulty of the citizenship exam and the $680 application fee.

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WORKERS

How do immigrants who are in the U. S. without permission fit into the nation's jobs picture?

In 2010, about 8 million were working in the U. S. or trying to get work. They made up about 5 percent of the labor force, according to Pew. Among U. S. farmworkers, about half are believed to be in the country illegally, according to the Government Accountability Office.

Business groups want a system to legally bring in both more highly skilled workers and more lower-skilled workers such as agricultural laborers. The idea is to hire more when Americans aren't available to fill jobs. This has been a sticking point in past attempts at immigration overhaul. Labor groups want any such revamped system to provide worker protections and guard against displacing American workers. Current temporary worker programs are cumbersome and outdated.

The Senate bill would improve the agriculture worker visa system, create a new visa program for lower-skilled workers outside of agriculture, and allow many more high-skilled workers into the country. Farm workers already here illegally would be able to qualify for green cards after five years if they'd already worked in agriculture in the U. S. for two years and if they kept working in the industry.

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EMPLOYERS

Current law requires employers to have their workers fill out a form that declares them authorized to work in the U. S. Then the employer needs to verify that the worker's identifying documents look real. But the law allows lots of different documents, and many of them are easy to counterfeit.

The government has developed a mostly voluntary employment verification system called E-Verify, which has gradually gotten better. But so far just 10 percent of employers are using it, according to the Migration Policy Institute. The system is now required in varying degrees by 19 states.

The Senate proposal would require all employers to implement it within four years.

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FAMILIES VS. JOBS

A big question in the immigration debate centers on how much priority to give to the family members of U. S. citizens and permanent residents.

Under current law, the U. S. awards a much larger proportion of green cards to family members than to foreigners with job prospects here. About two-thirds of permanent legal immigration to the U. S. is family-based, compared with about 15 percent that is employment-based, according to the Migration Policy Institute. The rest is largely humanitarian.

Some policymakers think employment-based immigration should be boosted to help the economy. Advocates for families want to make sure any such action doesn't come at the expense of people seeking to join relatives in the U. S.

The Senate plan would prevent citizens from bringing in siblings and would allow them to sponsor married sons and daughters only if the children were under 31. It would raise the cap on visas for high-skilled workers, create a startup visa for foreign entrepreneurs, and set up a new merit visa that would award points to prospective immigrants based on their education, employment, length of residence in the U. S. and other factors.

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WHO CARES?

For all the attention being devoted to immigration right now, it's not the top priority for most people. Just 5 percent of Americans listed immigration as the most important problem facing the country in response to an open-ended question by Gallup last month. In a March survey, 37 percent said they worry about the immigration problem a great deal.

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A VIEW FROM THE SOUTH

Is life actually better in the U. S.? A little more than half of Mexican adults think so, according to a 2012 Pew Global Attitudes poll. Thirty-eight percent said they'd move to the U. S. if they had the chance. Nineteen percent said they'd come even without authorization.

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Sources: Pew Hispanic Center, Migration Policy Institute, Department of Homeland Security, Census Bureau, Government Accountability Office, Population Reference Bureau, Encyclopedia of Immigration.

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Associated Press writers Alicia Caldwell and Erica Werner contributed to this report.

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Follow Nancy Benac on Twitter: http://www.twitter.com/nbenac

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    1. review, modify, reformat, reject or remove any Contributed Material that, in the Publisher's opinion, violates the Conditions or otherwise has the potential to harm, endanger or violate the rights of any person; and

    2. monitor use of the Site, and store or disclose any information that the Publisher collects, including in order to investigate compliance with the Conditions or for the purposes of any police investigation or governmental request.

  13. The Publisher is not responsible for, and to the extent permitted by law accepts no liability with respect to, any Material uploaded, posted, transmitted or otherwise made available on the Site by any person other than the Publisher. For the avoidance of doubt, the Publisher will not be taken to have uploaded, posted, transmitted or otherwise made Material available on the Site simply by facilitating others to post, transmit or other make Material available. Furthermore, the Publisher does not endorse any opinion, advice or statement made by any person other than the Publisher.

  14. If you think that the Site has been accessed or used by another user in breach of the Conditions, please email the Publisher at breach@publishingservicesinternational.im . The Publisher will consider whether there are grounds for taking any action, but you won't necessarily be contacted as to our decision. In particular, if you wish to send the Publisher a copyright infringement notification, you will need to identify the Material(s) that you believe infringe(s) your copyright, identify each copyright protected work in which you own the rights and which you believe has been infringed, identify how each copyright protected work has been or is being infringed and include your contact information. You will need to sign the notice and send it to copyrightinfringement@publishingservicesinternational.im

Intellectual Property

  1. All intellectual property in relation to Material on the Site belongs to the Publishers or its licensors, advertisers or affiliates. You obtain no interest in that intellectual property. All Material on the Site is protected by international copyright and other intellectual property laws. You may not do anything which interferes with or breaches those laws or the intellectual property rights in the content. You do not have any right, title or interest in or to any proprietary rights relating to the Material or the Site. All individual articles, blogs, videos, content and other elements comprising the Material or the Site are also copyrighted works, and the Publisher (subject to the rights of its licensors and licensees under applicable agreements, understanding and arrangements) has all rights therein. You must abide by all additional copyright notices or restrictions contained on the Site.

  2. Without limiting clause 11.1, by posting or submitting Contributed Material , you are giving the Publisher, and its affiliates, agents and third party contractors the right to display or publish such Contributed Material on the Site and its affiliated publications (either in the form submitted or in the form of a derivative or adapted work), to store such content, and to distribute such content and use such content for promotional and marketing purposes. Without limiting the generality of the foregoing, with respect to any video submissions to the Publisher made by you from time to time, you understand and agree that (unless you and the Publisher agree otherwise) the Publisher may, or may permit users to compile, re‑edit, adapt or modify your video submission, or create derivative works therefrom, either on a stand‑alone basis or in combination with other video submissions, and (unless you and the Publisher agree otherwise) you shall have no rights with respect thereto and the Publisher or our licensees shall be free to display and publish the same (as so compiled, re‑edited, adapted, modified or derived) for any period.

  3. You shall be solely responsible for your own Contributed Material and the consequences of posting or publishing the Contributed Material. Without limiting clause 11.3, in connection with each of your Contributed Materials, you affirm, represent, and/or warrant that: (I) you own or have the necessary licenses, rights, consents, and permissions to use and authorize the Publisher to use all patent, trademark, trade secret, copyright or other intellectual property or proprietary rights in and to any and all such Contributed Material to enable inclusion and use of such Contributed Material in the manner contemplated by the Publisher and these Terms and Conditions; and (II) you have the written consent, release, and/or permission of each and every identifiable individual person in such Contributed Material to use the name or likeness of each and every such identifiable individual person to enable inclusion and use of such Contributed Material in the manner contemplated by the Publisher and these Terms and Conditions; and (III) the Contributed Materials and their use do not infringe any intellectual property rights or other rights of any person. In furtherance of the foregoing, you agree that you will not submit Material that is copyrighted, protected by trade secret or otherwise subject to third party proprietary rights, including privacy and publicity rights, unless you are the owner of such rights or have permission from their rightful owner to post the material and to grant the Publisher all of the rights granted herein. Publisher reserves the right to remove or not publish Contributed Material without prior notice. You understand that when you submit Material in any form to the Publisher, the Publisher may authorize such content to be distributed or syndicated to or published on other related branded environments.

  4. You may download and view or print a copy of Material on this Site for personal, non‑commercial use provided you do not modify the Material in any way (including any copyright notice). All rights not expressly granted under these terms of use are reserved by the Publisher. Unless expressly stated otherwise, you are not permitted to copy, or republish anything you find on the Site without the copyright or trademark owners' permission.

  5. All trade marks and logos that appear on the Site are owned by either the Publisher or its related bodies corporate or their licensors. Other trademarks may be displayed on the Site from time to time. These may belong to third parties. Nothing displayed on the Site should be construed as granting any license or right of use of any logo, trademark or masthead displayed on the Site, without the express written permission of the relevant owner.

Third party websites, content links, advertising and activities

  1. The Site may feature or display links and pointers to websites operated by third parties on the Site. Such websites do not form part of the Site and are not under the Publisher's control. The Publisher does not accept any responsibility in connection with any such website. If you link to any such websites, you leave the Site entirely at your own risk. The appearance of those links on this site does not indicate any relationship between the Publisher and that third party or any endorsement by the Publisher of that third party, its site or the products or services which it is advertising on this Site. The Site may include third party content which is subject to that third party's terms and conditions of use. Nothing on the Site should be construed as granting any license or right for you to use that content. You must not link to the Site from any other website (or otherwise authorize any other person to link from a third party website to the Site) without the Publisher's prior written consent.

  2. The Site may feature or display third party advertising. By featuring or displaying such advertising, the Publisher does not in any way represent that the Publisher recommends or endorses the relevant advertiser, its products or services. If you contact a third party using functionality provided on the Site, including via e‑mail, the Publisher does not accept any responsibility for any communications or transactions between you and the relevant third party.

  3. From time to time, the Publisher may promote, advertise, or sponsor functions, events, offers, competitions or other activities that may be conducted offline and may be conducted by third parties. These activities may be subject to separate terms and conditions. You participate in any such activities entirely at your own risk. The Publisher does not accept any responsibility in connection with your participation in activities conducted by any third party.

Liability and Idemnity

  1. To the extent permitted by law, you use the Site at your sole risk. The Publisher does not warrant that the Site will be uninterrupted or error‑free. There may be delays, omissions, interruptions, and inaccuracies in the news, information or other Material available through the Site. To the extent permitted by law the Publisher excludes all warranties, representations, conditions and guarantees, whether express, implied or statutory, including, without limitation, those of merchantability or fitness for a particular purpose, with respect to the Site or any Materials or goods that are available or sold through the Site. The Publisher does not exclude any statutory or implied warranty, condition or guarantee that it is prohibited by law to exclude under applicable law of any jurisdiction. The Publisher does not make any representations, nor does the Publisher endorse the accuracy, completeness, timeliness or reliability of any advice, opinion, statement or other material or database supplied, uploaded or distributed on the Site or available through links on the Site. The Publisher reserves the right to correct any errors or omissions on the Site. Although the Publisher intends to take reasonable steps to prevent the introduction of viruses, worms, ‘trojan horses' or other destructive material to the Site, the Publisher does not guarantee or warrant that the Site or Material that may be downloaded from the Site do not contain such destructive features. To the extent permitted by law, the Publisher is not liable for any loss, damage or harm attributable to such features. If you rely on the Site and any Material available through the Site you do so solely at your own risk. The Publisher does not warrant the accuracy of the Material on the Site, and the Material is provided to you “as is” and on an “as available” basis and on the condition that you undertake all responsibility for assessing the accuracy of the Material and rely on it at your own risk. You recognize that the Site may contain various combinations of text, images, audiovisual productions, opinions, statements, facts, articles, market data, stock quotes or other information created by the Publisher or by third parties. Such Material, including market data, is for your reference only and should not be relied upon by you for tax or investment advice and it does not advocate the purchase or sale of any security or investment.

  2. The Publisher does not necessarily hold the opinions expressed by Material contributors. Opinions and other statements expressed by Users and third parties (e.g., bloggers) are theirs alone, not opinions of the Publisher. Material created by third parties is the sole responsibility of the third parties and its accuracy and completeness are not endorsed or guaranteed. You acknowledge that by providing you with the ability to view and distribute Material through the Site, the Publisher is not undertaking any obligation or liability relating to the Material. The Publisher and its affiliates, successors, assigns, employees, agents, directors, officers and shareholders do not undertake or assume any duty to monitor the Site for inappropriate or unlawful content. To the extent permitted by law, the Publisher and its affiliates, successors, assigns, employees, agents, directors, officers and shareholders assume no responsibility or liability which may arise from the Material thereof, including, but not limited to, claims for defamation, libel, slander, infringement, invasion of privacy and publicity rights, obscenity, pornography, profanity, fraud, or misrepresentation. Notwithstanding the foregoing, the Publisher reserves the right to block or remove communications, postings or Materials at any time in its sole discretion.

  3. To the extent permitted by law, the Publisher will have no responsibility or liability in relation to any loss or damage that you incur, including damage to your software or hardware, arising from your use of or access to this Site.

  4. The Publisher does not warrant that functions contained in the Site content, such as hyperlinks, will be uninterrupted or error free, that defects will be corrected or that the Publisher or the server that makes it available, are free of viruses or bugs.

  5. The Publisher may be legally compelled to disclose certain Information. You agree that in the event the Publisher receives a subpoena issued by a court or from a law enforcement or government agency, the Publisher shall comply with such subpoenas without your consent or prior notice to you and may disclose your IP address, username, name, IP location or other information in response thereto.

  6. Subject to clause 30, to the extent permitted by law, the Publisher and its affiliates, and their respective members, directors, officers, managers, employees, shareholders, agents and licensors are not liable for incidental, indirect, consequential, special, punitive, or exemplary loss or damages of any kind, including, without limitation, lost revenues or profits, loss of business, opportunity or goodwill, or loss of data, arising in any way in connection with this Site or Material on the Site, the use of (or inability to use) the Site or Material, or the Conditions, whether in contract, tort (including negligence), in equity, under statue or otherwise, including but not limited to any claim, loss or injury based on errors, omissions, interruptions or other inaccuracies in the Site, or as a result of breach of any warranty or other term or condition of the Conditions. To the extent permitted by law and subject to clause 30, the Publisher's liability shall be limited to the amount you paid, if any, for use of the Site.

  7. You will be responsible for any harm the Publisher suffers as a result of your violation of these Terms and Conditions or any breach by you of your representations and warranties. You agree to indemnify and hold harmless the Publisher and its affiliates, and their respective members, directors, officers, managers, employees, shareholders, agents, and licensors, from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation by you of the Conditions or any breach by you of your representations and warranties thereunder. The Publisher reserves the right to take over the exclusive defense of any claim for which the Publisher is entitled to indemnification under this Section 29. In such event, you shall provide the Publisher with such cooperation as is reasonably requested by the Publisher.

  8. To the extent that the Publisher's liability for breach of any implied or statutory warranty, condition or guarantee, cannot be excluded by law, to the extent permitted by law the Publisher's liability will be limited, at the Publisher's option, to:

    1. in the case of services supplied or offered by the Publisher:

      1. the supply of the services again; or

      2. the payment of the cost of having the services supplied again; and

    2. in the case of goods supplied or offered by the Publisher:

      1. the replacement of the goods or the supply of equivalent goods;

      2. the repair of the goods;

      3. the payment of the cost of having the goods replaced; or

      4. the payment of the cost of having the goods repaired.

  9. If a jurisdiction does not allow the exclusion or limitation of liability in accordance with clause 30 but allows a limitation of a certain maximum extent then liability is limited to that extent.

No reliance, other Users

  1. Except where expressly stated otherwise, Material on the Site is provided as general information only. It is not intended as advice and must not be relied upon as such. You should make your own inquiries and take independent advice tailored to your specific circumstances prior to making any decisions. To the extent permitted by law, the Publisher will not be liable for loss resulting from any action or decision by you in reliance on the Material on the Site.

  2. You acknowledge that the Publisher is not responsible for, and accepts no liability in relation to, any other User's use of, access to or conduct in connection with the Site in any circumstance.

Termination

  1. In the event of termination of your access to the Site you must immediately cease accessing and using the Site and Materials on the Site and (at Publisher's option) return any (hard or electronic) copies of such Materials to the Publisher or destroy any copies within your control or possession. All licences granted by you and all disclaimers, indemnities and exclusion and limitations of liability set out in the Conditions will survive termination.

Severability

  1. If any provision of the Conditions is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of the Conditions, which shall remain in full force and effect.

No waiver

  1. No waiver of any term of the Conditions shall be deemed a further or continuing waiver of such term or any other term. Any failure to assert any right under the Conditions shall not constitute a waiver of such right.

Affirmation regarding age

  1. By using the Site, you affirm that you are 18 years or over or otherwise possess legal parental or guardian consent.

Applicable Law

  1. These Conditions shall be construed in accordance with and governed by the laws of the Isle of Man. You consent to the exclusive jurisdiction of the courts in the Isle of Man to determine any matter or dispute which arises under the Conditions.

Definitions

  1. In these terms and conditions:

    1. "Material" means text, illustrations, photos, audio, video, or any combination of these or other content, information, data or material.

Publishing Services International Limited Privacy Policy

1. Privacy

The Publisher recognizes the importance of protecting the privacy of its customers. For the purposes of this Privacy Policy, "customers" includes visitors to the Site, subscribers to and users of the Publisher's services, purchasers of its products and advertising customers. This privacy policy is intended to inform you about the personal information that is collected from you when you visit the Site, and in the other circumstances described under the heading "Collection of personal information" below, how this information may be used and disclosed, how you can control the use and disclosure of your information, how your information is protected, and how you can access that information. The Publisher may, from time to time, review and update this Privacy Policy, including taking account of new or amended laws, new technology and/or changes to its operations. This Privacy Policy applies only in respect of the Site. This Privacy Policy does not apply to information collected through any other website (other than by or on behalf of the Publisher in the circumstances described under the heading "Collection of personal information" below) or to the practices of companies that the Publisher does not control. Please note that the Site may contain links to other websites. For example, if you click on an advertisement on the Site and link to another website, then this Privacy Policy will not apply to any information collected on that website. The Publisher is not responsible for the privacy practices of other websites, and the Publisher recommends that you read the privacy policies of each website that you visit. All personal information held by the Publisher will be governed by the most recently updated Privacy Policy.

2. Collection of personal information

The Publisher collects personal information when the Publisher provides its services to you. When you visit and interact with the Site, certain information may be collected automatically, including:

  • your computer's Internet Protocol (IP) address;
  • your browser type and operating system;
  • the web pages you were visiting immediately before and after you came to the Site;
  • activities within community discussions;
  • web pages and advertisements that you view, and links that you click on, within the Site;
  • your bandwidth speed and information about the software programs that are installed on your computer;
  • aggregated data about email click‑through rates and user video viewing;
  • standard server log information; and
  • information collected through HTML cookies, Flash cookies, web beacons, and similar technologies.

The Publisher usually collects personal information directly from you, although sometimes the Publisher may use agents or service providers to do this for the Publisher. The Publisher may also acquire lists from other sources, both from other companies and from other public documents. This may include advertisers, mailing lists, recruitment agencies, contractors and business partners. The Publisher may also access information about you from third‑party sources and platforms (such as social networking sites, databases, online marketing firms, and ad targeting firms), including:

  • if you access third‑party social networking services (such as Facebook Connect or Twitter) through the Site, your username and connection lists for those services;
  • demographic data, such as age range, gender, and interests;
  • advertisement interaction and viewing data, such as ad click‑through rates and information about how many times you viewed a particular ad; and
  • unique identifiers, including mobile device identification numbers, that can identify the physical location of such devices in accordance with applicable law.

Please note that the Site may combine the information that we collect with information that the Publisher may obtain from third‑party sources. The Publisher may collect your personal information when you request or acquire a product or service from the Publisher, register with the Publisher as a member (including user name and password and contact information such as name, email address, postal address, phone number, and mobile number), provide a product or service to the Publisher, complete a survey or questionnaire, enter a competition or event, contribute in a fundraising event, participate in one of the Publisher's services (including blogs, forums, community discussions and other interactive features), search queries conducted on the Site, or when you communicate with the Publisher by e‑mail, telephone, or in writing.

The Publisher usually collects personal information such as your name, address, telephone number, and in some instances, your financial details, including your credit card information, in addition to the other specific types of information described above. The Publisher also collects information about you that is not personal information. For example, the Publisher may collect data relating to your activity on its websites (including IP addresses) via tracking technologies such as cookies, or the Publisher may collect information from you in response to a survey.

As a general rule the Publisher does not collect sensitive information, however it reserves the right to do so. If the Publisher does, it will usually be for the purposes of providing its goods or services and if the law requires the Publisher to, the Publisher will seek your consent to collect it.

If you do not provide the Publisher with information described above, the Publisher may not be able to its services to you.

If, at any time, you provide personal information about someone other than yourself, you warrant that you have that person's consent to provide such information for the purpose specified.

If you are located outside of the Isle of Man, please note that personal information provided by you or otherwise collected as described above will be transferred to the Isle of Man.

3. Use of personal information

The Publisher uses personal information to provide its services (which may include the display of personalised content and advertising) to you, to fulfil administrative functions associated with these services, for example billing, to enter into contracts with you or third parties and for marketing and client relationship purposes. The Publisher also generally uses personal information to report statistics, analyse trends, diagnose problems and target and improve the quality of its products and services. By accessing the Site, you agree that the Publisher may use your personal information for the purposes and by the means described in this Privacy Policy, and you agree that the Publisher may use your mobile number to send you promotions, notifications, or other services. In order to provide readers with free access to content, the Publisher displays advertisements on the Site, many of which are targeted based on information about you. For example, using information collected through cookies, web beacons, and other sources, the Publisher may use demographic data or information about your online activities or interests to display targeted advertising that may be relevant to your preferences. Through this process, advertisers reach Site visitors who are most interested in their products, and you see advertising for products or services in which you may be interested. Third‑party advertisers and advertising platforms also may serve targeted ads on the Site. Please remember that the information practices of third‑party advertisers or platforms collecting data on our Site are not covered by this privacy policy. The Publisher may also use the information that it collects to prevent illegal activities, to enforce the Site's Terms and Conditions, and to otherwise protect its rights and the rights of its users. In addition to the uses identified above, the Publisher may use the information that it collects for any other purposes disclosed to you at the time it collects your information or pursuant to your consent. Where your personal information is contained within an advertisement which the Publisher publishes for you, the Publisher may also use your information for publication of that same advertisement in other media, in accordance with the terms and conditions of the initial publication. The Publisher may also use your personal information to assist the Publisher in improving its products and services and to let you know about goods, services, or promotions which may interest you.

4. Disclosure to and use by Third Parties

The Publisher values your privacy, and shares information about its users only under certain circumstances. The Publisher may share your information with other companies which are related to the Publisher. The Publisher may disclose your information to its service providers and contractors from time to time to help the Publisher to provide and market its goods and services to you. The Publisher may also share your information with third parties who provide prizes for competitions or reader offers. If the Publisher does this, the Publisher generally requires these parties to protect your information in the same way as the Publisher does.

The Publisher will make information about you available to other companies, applications, or people in the circumstances listed below:

  • The Publisher may share aggregated information or information that does not directly identify you with third parties to help the Publisher develop content, services, and advertising that the Publisher hopes you will find of interest. Please note that the Publisher does not share contact information with third parties that advertise on the Site.
  • The Publisher may employ third parties to perform Site‑related services, including database management, maintenance services, analytics, marketing, data processing, and email and text message distribution. These third parties have access to your information only to perform these tasks on the Publisher's behalf.
  • If you choose to engage in public activities on the site, such as posting comments on community message boards, any information you submit can be read, collected, or used by others. Please exercise caution when deciding to disclose any personal information in public activities or submissions.
  • The Publisher may share information about you in the event that the Site is acquired by or merged with another company or a similar corporate transaction takes place. However, the Site will notify you by placing a prominent notice on the Site or sending a notice to the primary email address specified in your account before your information is transferred and becomes subject to a different privacy policy.
  • The Publisher may share information about you to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety or other rights and interests of any person, violations of the Site's Terms and Conditions, or as otherwise required by law.
  • The Publisher may share information about you to respond to subpoenas, search warrants, judicial proceedings, court orders, legal process, or other law enforcement measures, to establish or exercise our legal rights, or to defend against legal claims.
  • In addition to the scenarios identified above, the Publisher may share information about you for any other purposes disclosed to you at the time the Publisher collects your information or pursuant to your consent.

Please note that third parties may independently collect data about you, including your IP address and information about the websites you visit and the links you click, through cookies, clicks on links, or other means when you visit or view ads on the Site.

To customize your experience on the Site and to simplify the Site's registration process, the Publisher provides you with the opportunity to access or interact with third‑party services, such as Facebook and Twitter. When you connect to the Site through these third‑party services, the Publisher may share information about you with these third‑party service providers and they may share data about you with the Publisher. When you allow the Publisher to access your data through a third‑party service to create a Site profile, the Publisher may use this data for several purposes, including:

  • For example, if you connect to the Site via a service with a public friend list, like Twitter, the Publisher may check to see if any people you follow on Twitter are also Site members. If the Publisher finds a match, the Publisher will replicate your Twitter relationship with those members, setting them to be fans, followers, or friends on the Publisher Site.
  • For example, if you connect via a service that has a private contact list (like Google and Yahoo!), the Publisher checks for people in your contacts who are Site members and suggest that you become a fan of these users.
  • When users share content with their friends, the Publisher may use friend lists from third‑party services to create a list of contacts to whom you may choose to send the email message.
  • For example, the Publisher may use friend lists from a third‑party service to create a list of contacts to whom you may choose to send an invitation to view an interactive slideshow.
  • When you are connected via a third‑party service, the Publisher may access certain account information, such as your profile picture, what stories are popular in your network, and what your friends are saying about certain articles or blog posts, in order to enhance and personalize your experience on the Site.

In addition, if you connect to a Facebook account, your experience on the Site may be personalized. For example, you may automatically see what stories are popular in your network, and what your friends are saying about particular stories. Please note that you may disconnect third party accounts at any time.

Please remember that the Publisher does not control the privacy practices of these third‑party services. The Publisher encourages you to read the privacy policies of all third‑party service providers. You can deactivate your account at any time by visiting the preferences page for your profile. When you deactivate your account, your user profile will be disabled, but your public comments will remain on the site. The Site has no responsibility to take down, remove, or edit any of your public activities or any submissions that are a result of your public activities. If you opt out of these technologies, you will continue to see advertising displayed on the Site, but the advertising may not be targeted to your interests. Please remember that the Publisher does not have access to, or control over, advertisers' or service providers' cookies, and the information practices of third parties are not covered by this privacy policy.

5. Use of Aggregate Data

The Publisher may collect and use certain non‑personal information (e.g., the identity of your Internet browser, the type of operating system you use, your IP address and the domain name of your Internet service provider) to optimise its goods and services (which may include the display of personalised content and advertising) including the Publisher's web pages for your computer. The Publisher may use personally identifiable information in aggregate form to improve its goods and services including its web sites and make them more responsive to the needs of its customers. This statistical compilation and analysis of information may also be used by the Publisher or provided to others as a summary report for marketing, advertising or research purposes.

6. Security

The Publisher strives to ensure the security, integrity and privacy of personal information of its customers. The Publisher may hold your information in either electronic or hard copy form. The Publisher uses a variety of physical and electronic security measures including restricting physical access to its offices and firewalls and secure databases to keep personal information secure from misuse, loss or unauthorized use or disclosure. Unfortunately, no data transmission over the Internet can be guaranteed to be totally secure. The Publisher limits access to contact information about you to employees or service providers who the Publisher believes reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs, and subject to section 4 of this Privacy Policy. The Publisher also has adopted commercially reasonable technical, physical, and administrative procedures to help protect information about you from loss, misuse, and alteration. Personal information is destroyed or de‑identified when no longer needed. Please note that no data transmission or storage can be guaranteed to be 100% secure. The Publisher wants you to feel confident using the Site, but the Publisher cannot ensure or warrant the security of any information you transmit to the Publisher.

7. Access to Personal Information

You have a right to request access to personal information the Publisher holds about you. Where the Publisher holds personal information that you are entitled to access, the Publisher will endeavour to provide you with suitable means of accessing it (e.g. by emailing or mailing it to you). If the Publisher denies access in some circumstances, the Publisher will tell you why. To request access, please contact the Publisher's privacy officer as set out at the end of this document. If you believe that personal information the Publisher holds about you is incorrect, incomplete or inaccurate, then you may request amendment of it. The Publisher will consider if the information requires amendment. If the Publisher does not agree that there are grounds for amendment then the Publisher will add a note to the personal information stating that you disagree with it.

8. Public Information

Any information posted on bulletin boards and/or communicated in chat areas becomes public information. While the Publisher strives to protect and respect your privacy, the Publisher cannot guarantee the security of any information you disclose in a chat room or bulletin board.

9. Cookies

Cookies are data that a Web site transfers to an individual's hard drive for record‑keeping purposes. Cookies can facilitate a user's ongoing access to and use of a site. They allow the Publisher to track usage patterns and to compile data that can help the Publisher improve its content and target advertising. If you do not want information collected through the use of Cookies, there is a simple procedure in most browsers that allows you to deny or accept the Cookie feature. But you should note that Cookies may be necessary to provide you with features such as merchandise transactions or registered services.

10. Online Links to Third Party and Co‑Branded Sites

The Publisher may establish relationships with business partners that allow visitors to the Publisher's web sites to link directly to sites operated by these partners. Some of these sites may be "co‑branded" with the Publisher's logo - however, these sites may not be operated or maintained by or on behalf of the Publisher. These sites may collect personal information from you that may be shared with the Publisher. This Privacy Statement will apply to any personal information the Publisher obtains in this manner. The Publisher is not responsible for the content or practices of web sites operated by third parties that are linked to the Publisher's sites. These links are meant for the user's convenience only. Links to third party sites do not constitute sponsorship, endorsement or approval by the Publisher of the content, policies or practices of those third party sites. Once you have left the Publisher's site via such a link, you should check the applicable privacy policy of the third party site.

11. What else you should know about privacy on the Internet

Remember to close your browser when you have finished your user session. This is to ensure that others cannot access your personal information and correspondence if you share a computer with someone else or are using a computer in a public place like a library or Internet cafe. You as an individual are responsible for the security of and access to your own computer. Whenever you voluntarily disclose personal information over the Internet this information can be collected and used by others. In short, if you post personal information in publicly accessible online forums, you may receive unsolicited messages from other parties in return. Ultimately, you are solely responsible for maintaining the secrecy of your username and passwords and any account information. Please be careful and responsible whenever you are using the Internet. The Publisher does not knowingly collect personal information from children under 13. If the Publisher learns that it has collected any personal information from a child under the age of 13 without verifiable parental consent, the Publisher will delete that information from its database as quickly as possible. If you believe that the Publisher may have collected information from a child under 13, please contact the Publisher at privacy@publishingservicesinternational.im.

12. For further information

Please contact our Privacy Officer to ask for access to your information or if you have a complaint concerning your information privacy or if you would like more information about our approach to privacy at privacy@publishingservicesinternational.im.

13. Changes to the privacy policy

The Publisher reserves the right to update this Privacy Policy at any time to reflect changes in the Publisher's practices and service offerings. The Publisher will use it best endeavours to update the Privacy Policy on the Site, however it does not warrant that it will post these updates immediately.

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