Posting grants Bloomberg a perpetual, irrevocable, worldwide license
When you post or submit user-generated content to this site or any other site owned by Bloomberg L.P. and its affiliates, you give Bloomberg a license to your Submission. The license is perpetual (no end date is stated), irrevocable (you cannot withdraw it), nonexclusive, worldwide, and covers any and all media, including media that do not exist yet.
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you grant to Bloomberg a perpetual, nonexclusive, irrevocable, fully paid, royalty-free, sublicenseable and transferable (in whole or in part) worldwide right and license in any and all media, now known or later developed
to this site and any other site owned by Bloomberg L.P. and its affiliates (collectively, “Bloomberg”)
Qualifications & exceptions
Applies to a Submission, meaning material you post or submit, not to everything you do on Bloomberg sites.
The license is described as nonexclusive; this text does not say who owns the Submission.
Not stated here
The text does not name which sites besides this one count as owned by Bloomberg L.P. or its affiliates.
The text does not say whether anything can end the license, such as deleting the Submission or closing an account.
Content & IP Rights · Context
What counts as a Submission
A Submission is any material you post or submit as user-generated content. The text lists comments, forum messages, text, video, audio, and photographs, but the list is not limited to those examples, so other user-generated content can also be a Submission.
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By posting or submitting material (i.e., user-generated content, including, but not limited to: comments, forum messages, text, video, audio, and photographs) (each, a “Submission”)
Qualifications & exceptions
The list is introduced by "including, but not limited to", so it gives examples rather than a complete list.
Not stated here
The text does not say whether material sent privately, such as a message to a Bloomberg staff member, counts as posting or submitting.
Content & IP Rights · Permission or license
Bloomberg may use, change and exploit your Submission in many ways
The license lets Bloomberg use, publish, reproduce, display, modify, transmit digitally, create derivative works based on, distribute, copy and otherwise exploit your Submission. It also reaches use through a third party site or application, so Bloomberg's use is not confined to its own sites.
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to use, publish, reproduce, display, modify, transmit digitally, create derivative works based upon, distribute, copy and otherwise exploit such Submission
through a third party site or application
Qualifications & exceptions
"Otherwise exploit" and "without limitation" make the list of uses open-ended.
Use of a Submission must be in accordance with the license, which is the only limit this text states on Bloomberg's rights.
Not stated here
The text does not name which third party sites or applications may be involved.
Content & IP Rights · Permission or license
The license covers your name, voice, likeness and performances
What Bloomberg may use includes any names, voices, likenesses, performances and actions that appear in your Submission. If your Submission shows or sounds like you or someone else, that is covered by the license.
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(including, without limitation, any names, voices, likenesses, performances and actions contained therein)
Qualifications & exceptions
The wording is "including, without limitation", so these are examples within the license, not a cap.
Not stated here
The text does not address people other than the user who appear in a Submission, beyond the certification that no other person's consent is needed.
Content & IP Rights · Permission or license
Bloomberg may sublicense or transfer the license to others
The license is sublicenseable and transferable in whole or in part. Bloomberg can give others rights under it or pass it on, so people other than Bloomberg may end up using your Submission under it.
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sublicenseable and transferable (in whole or in part)
Qualifications & exceptions
"In whole or in part" means Bloomberg may pass on some of the rights without passing on all.
Not stated here
The text does not name who may receive a sublicense or transfer, or whether they must follow any conditions.
Content & IP Rights · Permission or license
Any purpose, including advertising, at Bloomberg's discretion
Bloomberg may use your Submission for any purpose whatsoever, and the text names advertising, commercial, promotional and publicity purposes as examples. Whether and how to use it is left to Bloomberg's discretion.
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for any purpose whatsoever (including, without limitation, advertising, commercial, promotional and publicity purposes) in Bloomberg’s discretion
Qualifications & exceptions
"Including, without limitation" means the named purposes are examples; the permission is not limited to them.
Charges & Financial Obligations · Restriction or exception
No payment, notice or credit owed to you
The license is fully paid and royalty-free, and Bloomberg may use your Submission without additional notice, attribution or consideration to you or to anyone else. Bloomberg does not have to pay you, tell you about a use, or credit you as the author.
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fully paid, royalty-free
without additional notice, attribution or consideration to you or to any other person or entity
Qualifications & exceptions
"Additional" is attached to notice, attribution or consideration, so it describes what is owed beyond the posting itself; the text does not say whether any consideration is given at posting.
Legal Rights & Agreement Rules · Restriction or exception
You certify you are the author and need no one else's permission
You certify that you are the original author or creator of your Submission, unless you expressly indicate otherwise. You also certify that no other person's or entity's permission or consent is needed for Bloomberg to legally use your Submission under this license. So you are the one who must have the rights before you post.
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You certify that you are the original author or creator of your Submission (except as expressly indicated otherwise)
neither the permission nor consent of any other person or entity is required to enable Bloomberg to legally use your Submission in accordance with this license
Qualifications & exceptions
The authorship certification has an exception: "except as expressly indicated otherwise".
The text does not say how or where to indicate that a Submission is not your own.
Not stated here
The text does not say what happens if the certification turns out to be untrue.
Legal Rights & Agreement Rules · Restriction or exception
You certify Bloomberg's use will not infringe anyone's rights
You certify that Bloomberg's use of your Submission in accordance with this license will not violate or infringe the rights of any person or entity. This puts on you, the person submitting, the assurance that the content can be used without infringing others' rights.
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will not violate or infringe upon the rights of any person or entity
Qualifications & exceptions
The certification covers Bloomberg's use only "in accordance with this license".
Not stated here
The text does not say what happens if the certification turns out to be untrue.
Legal Rights & Agreement Rules · Restriction or exception
You release Bloomberg and its licensees from claims over its use
You agree to release and discharge Bloomberg and its licensees, forever, from any and all claims you may have in connection with Bloomberg's use of your Submission. This covers use in accordance with the license, so you give up claims against Bloomberg and those it licenses over that use.
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You agree to forever release and discharge Bloomberg and its licensees from any and all claims you may have in connection with Bloomberg’s use of your Submission in accordance with this license.
Qualifications & exceptions
The release is limited to claims connected to use of the Submission "in accordance with this license".
Licensees are covered along with Bloomberg.
Not stated here
The text does not say which kinds of claims are covered in practice, or whether the release could apply where use goes beyond the license.
Legal Rights & Agreement Rules · Restriction or exception
Full understanding, changeable only by a signed document
You agree that this authorization is the full and complete understanding between you and Bloomberg about Bloomberg's use of your Submission. It cannot be modified except by a document signed by both Bloomberg and you, so a change would need your signature as well as Bloomberg's.
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this authorization contains the full and complete understanding between Bloomberg and you regarding Bloomberg’s use of your Submission and cannot be modified except by a document signed by Bloomberg and you
Qualifications & exceptions
The statement is about Bloomberg's use of your Submission, not about your use of Bloomberg sites generally.
Not stated here
The final sentence also refers to the website terms of service; the text does not say how the full-understanding statement fits with those terms.
Legal Rights & Agreement Rules · Restriction or exception
You confirm you read and agree to be bound by the website terms
You further certify that you have read and fully understand the relevant website terms of service, including any restrictions of use in the terms at www.bloomberg.com/tos, and intend to be legally bound by them. This confirmation is made in the same passage as the license terms.
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You further certify that you have read the foregoing and any relevant website terms of service, including any restrictions of use found in the terms of service located at www.bloomberg.com/tos, fully understand their meaning and effect, and intend to be legally bound by their terms.
Qualifications & exceptions
Only "relevant" website terms of service are mentioned, with the terms at www.bloomberg.com/tos named as including restrictions of use.
Not stated here
The terms of service at www.bloomberg.com/tos are not part of this source, so their content is not analyzed here.
The text does not say which other terms of service count as relevant.