User Agreement

Last Updated: January 14, 2008

Welcome to the User Agreement for Finance World Network, LLC. This Agreement describes the terms on which you may access and use our services. In order to become a Finance World Network user, you must read and accept all of the terms and conditions of this Agreement and the Finance World Network Privacy Policy. In the event of any inconsistency between the Finance World Network Privacy Policy and this User Agreement, the User Agreement shall control. Nothing in this Agreement shall be deemed to confer any third-party rights or benefits. If you do not agree to be bound by the terms of this Agreement, you may not use nor access our services.

We reserve the right to modify this Agreement at any time, and without prior notice, by posting amended terms on this website. Your continued use of the Finance World Network service indicates your acceptance of the amended User Agreement.

Description of Service

Finance World Network is an online service offered to enable finance industry professionals to find and connect with other professionals more effectively (the "Finance World Network Service"). Whether looking for a job, connecting with colleagues, or searching for an industry expert, Finance World Network users can make contact with thousands of professionals who are users of the Finance World Network Service.

Membership Eligibility

The Finance World Network Service is not available to minors under the age of 18 or to any users suspended or removed from the system by Finance World Network for any reason. Users may not have more than one active account. Additionally, users are prohibited from selling, trading, or otherwise transferring your Finance World Network account to another party. If you do not qualify, you may not use the Finance World Network Service.

Use of Service

Your use of the Finance World Network Service is governed by this User Agreement. Finance World Network may refuse service without prior notice to any user for any or no reason.

You are responsible for maintaining the confidentiality of your password and account, and are fully responsible for all activities that occur under your password or account with or without your knowledge. If you knowingly provide your login and password information to another person, your account privileges may be suspended temporarily or terminated. You agree to immediately notify Finance World Network of any unauthorized use of your password or account or any other breach of security. Finance World Network cannot and will not be liable for any loss or damage arising from your failure to comply with this section.

Termination

You agree that Finance World Network may, with or without cause, immediately terminate your Finance World Network account and access to the Finance World Network Service without prior notice. Without limiting the foregoing, the following will lead to a termination by Finance World Network of a user's use of the Finance World Network Service (a) breaches or violations of this User Agreement or other incorporated agreements or guidelines, (b) requests by law enforcement or other government agencies, (c) a request by you (self-initiated account deletions), (d) unexpected technical issues or problems, and (e) extended periods of inactivity. Termination of your Finance World Network account includes removal of access to all offerings within the Finance World Network Service and may also bar you from further use of the Finance World Network Service. Furthermore, you agree that all terminations shall be made in Finance World Network's sole discretion and that Finance World Network shall not be liable to you nor any third-party for any termination of your account or access to the Finance World Network Service.

User Conduct

You understand and agree not to use Finance World Network to:

• upload, post, email, transmit or otherwise make available any content or initiate communications which are unlawful, libelous, abusive, obscene, discriminatory, or otherwise objectionable.
• use the Finance World Network Service for any illegal purpose, including but not limited to conspiring to violate laws.
• falsely state, impersonate, or otherwise misrepresent your identity, including but not limited to the use of a pseudonym, or misrepresenting your current or previous positions and qualifications, or your affiliations with a person or entity, past or present.
• upload, post, email, transmit or otherwise make available any content or initiate communications which include information that you do not have the right to disclose or make available under any law or under contractual or fiduciary relationships (such as insider information, or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements).
• upload, post, email, transmit or otherwise make available any content or initiate communication that infringes upon patents, trademarks, trade secrets, copyrights or other proprietary rights.
• upload, post, email, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation. This prohibition includes but is not limited to a) Using Finance World Network connection requests to send messages to people who don't know you or who are unlikely to recognize you as a known contact; b) Using Finance World Network to connect to people who don't know you and then sending unsolicited promotional messages to those direct connections without their permission; and c) Sending messages to distribution lists, newsgroup aliases, or group aliases.
• upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment.
• stalk or harass anyone.
• forge headers or otherwise manipulate identifiers in order to disguise the origin of any communication transmitted through the Finance World Network Service.
• post content in fields that aren't intended for that content. Example: Putting an email address in a name or title field.
• interfere with or disrupt the Finance World Network Service or servers or networks connected to the Finance World Network Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Finance World Network Service.

International Use

You agree to comply with all applicable local rules including but not limited to rules regarding online conduct and acceptable content. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.

Information Provided on this Website

In the course of using the Finance World Network Service, users may provide information about themselves which may be visible to certain other users (see our Privacy Policy to learn more about information collected on this website). You understand that by posting materials on the Finance World Network website or otherwise providing materials to Finance World Network, you are granting to Finance World Network, LLC a royalty-free, perpetual, irrevocable license to use this information in the course of offering the Finance World Network service. Furthermore, you understand that Finance World Network retains the right to reformat, excerpt, or translate any materials submitted by you. You understand that all information publicly posted or privately transmitted through the Finance World Network Service is the sole responsibility of the person from which such content originated and that Finance World Network will not be liable for any errors or omissions in any content. You understand that Finance World Network cannot guarantee the identity of any other users with whom you may interact in the course of using the Finance World Network Service. Additionally, we cannot guarantee the authenticity of any data which users may provide about themselves or relationships they may describe.

Access to Service

Use of manual or automated software, devices, or other processes to "crawl" or "spider" any web pages contained in the Finance World Network website is strictly prohibited. You agree not to monitor or copy, or allow others to monitor or copy, our web pages or the content included herein. You also agree not to "frame" or otherwise simulate the appearance or function of this website. Furthermore, you agree not to take any action that interferes with the proper working of or places an unreasonable load on our infrastructure, including but not limited to unsolicited communications, attempts to gain unauthorized access, or transmission or activation of computer viruses.

Finance World Network Communications

In the course of providing you services, Finance World Network may need to communicate with you via email (see our Privacy Policy to learn more about communications). You agree to receive emails which are specific to your account and necessary for the normal functioning of the Finance World Network Service. You also agree to have your name and/or email address listed in the header of certain communications which you initiate through the Finance World Network Service.

Monitoring and Enforcement

While we have the right to monitor activity and content associated with the Finance World Network Service; we are not obligated to do so. And since we do not, and may not have the ability to, control or actively monitor content, we don't guarantee its accuracy, integrity or quality. Because community standards vary and individuals sometimes choose not to comply with our policies and practices, in the process of using our website, you may be exposed to content that you find offensive or objectionable. You can contact Finance World Network Customer Service to let us know of content that you find objectionable. We may investigate the complaints and violations of our policies that come to our attention and may take any action that we believe is appropriate, including, but not limited to issuing warnings, removing the content or terminating accounts and/or subscriptions. However, because situations and interpretations vary, we also reserve the right not to take any action. Under no circumstances will we be liable in any way for any content, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of, access to, or denial of access to any content on the website.

Fees

Signing up for a basic Finance World Network account is free. Certain other services are provided for free only to initial users. Finance World Network reserves the right to charge for the Finance World Network Service or any portion thereof, modify the pricing of, add to, or discontinue the Finance World Network Service or any portion thereof without prior notice.

Indemnification

By accepting this User Agreement, you agree to indemnify and otherwise hold harmless Finance World Network, LLC, its officers, employees, agents, subsidiaries, affiliates and other partners from any direct, indirect, incidental, special, consequential or exemplary damages resulting from i) your use of the Finance World Network Service; ii) unauthorized access to or alteration of your communications with or through the Finance World Network Service, or iii) any other matter relating to the Finance World Network Service. Any business transactions which may arise between users from their use of the Finance World Network Service are the sole responsibility of the users involved.

Without limitation of the terms and conditions set forth in our Privacy Policy, you understand and agree that Finance World Network may disclose personally identifiable information if required to do so by law or in the good faith belief that such disclosure is reasonably necessary to comply with legal process, enforce this User Agreement, or protect the rights, property, or safety of Finance World Network, its users, and the public.

Disclaimer of Warranties

YOU UNDERSTAND AND AGREE THAT THE Finance World Network SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS AND THAT Finance World Network DOES NOT ASSUME ANY RESPONSIBILITY FOR PROMPT OR PROPER DELIVERY, OR RETENTION OF ANY USER INFORMATION OR COMMUNICATIONS BETWEEN USERS. Finance World Network ASSUMES NO RESPONSIBILITY FOR THE ACCURACY OR EXISTENCE OF ANY COMMUNICATIONS BETWEEN USERS. Finance World Network EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

Finance World Network MAKES NO WARRANTY THAT (i) THE Finance World Network SERVICE WILL MEET YOUR REQUIREMENTS, (ii) THE Finance World Network SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE Finance World Network SERVICE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE Finance World Network SERVICE WILL MEET YOUR EXPECTATIONS, AND (V) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED.

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE Finance World Network SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM Finance World Network OR THROUGH OR FROM THE Finance World Network SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS USER AGREEMENT.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

Entire Agreement

This User Agreement constitutes the entire agreement between you and Finance World Network and governs your use of the Finance World Network Service, superseding any prior agreements between you and Finance World Network.

Limitation of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT Finance World Network SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF Finance World Network HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES). SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN NO EVENT WILL Finance World Network'S TOTAL CUMULATIVE DAMAGES EXCEED US $100.

Governing Law

The User Agreement between you and Finance World Network, LLC will be governed by and construed in accordance with the laws of the State of California without regard to conflict of laws principles.

General Information

Finance World Network, the Finance World Network logo, and other Finance World Network logos and names are trademarks of Finance World Network, LLC. You agree not to display or use these trademarks in any manner without Finance World Network's prior written permission. The section titles of this User Agreement are displayed for convenience only and have no legal effect. Please send any questions or comments, or report violations of the User Agreement to: support@financeworldnetwork.com