WEB SITE USER AGREEMENT

Agreement Between User And Money Lessons for Life

By using this Web site, you acknowledge that you have read, understand and agree to the terms, conditions and notices in this Agreement.

This Web site is offered to you by Money Lessons For Life - 6745 Mandarin Boulevard Loxahatchee FL, 33470 (also referred to as "Money Lessons") on the condition that you accept the terms, conditions, and notices contained on this page and on other pages of this Web site. YOU AGREE TO READ THESE TERMS, CONDITIONS AND NOTICES CAREFULLY BEFORE USING THIS WEB SITE. IF YOU DO NOT ACCEPT THESE TERMS, DO NOT USE THIS SITE. Money Lessons reserves the right to change the terms, conditions and notices under which this Web site is offered at any time at its sole discretion.

Personal and Non-Commerial Use

This Web site is for your personal, non-commercial use. You may view and download information on this Web site for your own personal use as long as you maintain all copyright and other notices contained in the content. You may not copy, reproduce, modify, distribute, publish, transmit, transfer, sell, license, display, perform or adapt any information obtained from this Web site or use the information for any public or commercial purpose.

Unlawful and Prohibited Use

You warrant to Money Lessons that you will not use this Web site for any purpose that is unlawful or prohibited by the terms, conditions or notices in this Agreement and on this Web site.

Prohibited Activities

If this Web site contains chat areas, forums, communities, bulletin board services, news groups, e-mail service or other message or communication facilities, you agree not to use the Web site to:

• Post or otherwise transmit any communication or material that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, invasive of anothers privacy, disruptive to the site, hateful, or racially, ethnically or otherwise objectionable.
• Forge headers or otherwise manipulate identifiers in order to disguise the origin of any communication transmitted through the Web site.
• Upload, post or otherwise transmit any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation except as otherwise expressly authorized in writing by Money Lessons.
• Disrupt or interfere with the operation of the Web site or any servers or networks connected to the Web site service.
• Violate any applicable local, state, national or international law.
• Collect or store personal data about other users.

Access Restriction

Money Lessons may, in its sole discretion, deny any user access to this Web site or any portion of the site without notice.

Indemnity

You agree to indemnify and hold Money Lessons, its suppliers and any other third parties mentioned on this site harmless from any and all claims, losses, damages, liabilities, costs and expenses (including reasonable attorney’s fees) which arise out of, are connected with or directly relate to your wrongful or unlawful use of this Web site or any breach of any representation or warranty made by you in this Agreement.

Use of Information and Messages

Other than personally identifiable information, which is covered by Online Privacy Policy, Money Lessons may use and disclose any information and material received from you, or collected through your use of the site, for any lawful reason or purpose. By posting messages or engaging in other communication to Money Lessons Web site, you grant to Money Lessons a perpetual, worldwide, irrevocable, non-exclusive, royalty-free license to use, download, copy, reproduce, modify, distribute, publish, transmit, transfer, sell, license, display, perform, adapt and otherwise exploit such communication in all media now known or hereafter devised. You waive all rights to any claim against Money Lessons for any alleged or actual infringement of any proprietary, privacy, publicity, moral or attribution rights in connection with such communication.

Links to Other Web Sites

This Web site may contain links to Web sites operated by parties other than Money Lessons. The links are provided for your convenience only. Money Lessons does not control the Web sites and is not responsible for the content on such Web sites. By offering links, Money Lessons is not implying that it endorses anything contained on such Web sites or has any association with the operators of the Web sites. If you access any links to other web sites, you do so entirely at your own risk.

Liability Disclaimer

Money Lessons, ITS SUPPLIERS AND ANY OTHER THIRD PARTIES MENTIONED ON THIS SITE MAKE NO REPRESENTATIONS ABOUT THE RELIABILITY, ACCURACY, SUITABILITY OR TIMELINESS OF THE INFORMATION, PRODUCTS OR SERVICES CONTAINED ON THIS WEB SITE. ALL INFORMATION, PRODUCTS AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. Money Lessons, ITS SUPPLIERS AND ANY OTHER THIRD PARTIES MENTIONED ON THIS SITE HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THE INFORMATION, PRODUCTS AND SERVICES, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. IN NO EVENT SHALL Money Lessons, ITS SUPPLIERS OR ANY OTHER THIRD PARTY MENTIONED ON THIS SITE BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR ANY OTHER DAMAGES WHATSOEVER. WITHOUT LIMITING THE FOREGOING SENTENCE, Money Lessons, ITS SUPPLIERS AND ANY OTHER THIRD PARTIES MENTIONED ON THIS SITE SHALL NOT BE LIABLE FOR ANY DAMAGES FOR LOSS OF DATA, LOSS OF PROFITS OR LOSS OF USE IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THIS WEB SITE, THE DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY INFORMATION, PRODUCTS OR SERVICES OBTAINED THROUGH THIS WEB SITE. Money Lessons, ITS SUPPLIERS AND ANY OTHER THIRD PARTIES MENTIONED ON THIS SITE SHALL NOT BE LIABLE FOR ANY SUCH DAMAGES, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF Money Lessons HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THIS WEB SITE OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THIS WEB SITE.

Relationship

Other than personally identifiable information, which is covered by Online Privacy Policy, you acknowledge and agree that communications and transmission to and from Money Lessons Web site are not confidential. There is no confidential, fiduciary, contractually implied or other relationship created between you and Money Lessons other than as stated in this Agreement. You agree that no joint venture, partnership, employment or agency relationship exists between you and Money Lessons as a result of this Agreement or use of this Web site.

General

This Agreement is governed by the laws of the United States and of the State of California. You consent to the exclusive jurisdiction and venue of the State of Florida, U.S.A. in all disputes arising out of, or relating to, use of this Web site. Use of this Web site is unauthorized in any jurisdiction that does not give effect to all provisions of the terms, conditions and notices of this Web site and this Agreement, including this paragraph. If you access this site from outside the United States, you do so at your own initiative and are responsible for compliance with applicable local laws.

In the event any provision of this Agreement is determined to be invalid, illegal or otherwise unenforceable, such provision shall be deemed to have been deleted from this Agreement. The remainder of this Agreement shall remain in full force and effect according to its terms.

This Agreement contains the entire understanding and agreement of the parties with respect to the use of this Web site. It supersedes all prior oral or written understandings and agreements relating to use of this Web site. Money Lessons’s waiver of any provision of this Agreement shall not be deemed to waive it for the future.

Copyright and Trademark Notices

All contents, such as text, graphics, logos, icons, images, audio or video clips, software, site design and the selection and assembly of them, of this Web site are Copyright © 2008 Money Lessons. All rights reserved. These contents are the sole property of Money Lessons. Such property is protected by U.S. and international copyright laws. All rights not expressly granted in this User Agreement are reserved. Except as otherwise required by applicable law, any download, copy, reproduction, modification, distribution, publication, transmission, transfer, sale, license, display, performance or adaptation of the content is strictly prohibited. We respect the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please contact us.

All other company names, brand names, product names, and service names used on this site are trade names, service marks, trademarks, or registered trademarks of their respective owners.

Linking to this Site

If you would like to link to the Money Lessons web site please read and comply with the following:

The site that links to the Money Lessons web site

• Must not frame or border the Money Lessons site in any way or with any other content.
• Must not copy, mirror or otherwise duplicate Money Lessons site content.
• Must not imply any endorsement by Money Lessons.
• Must not misrepresent any relationship with Money Lessons.
• Must not use Money Lessons logo or name without permission.
• Must not provide false or misleading information about Money Lessons.
• Must not contain content that could be considered offensive, inappropriate or unsuitable for viewing by all ages.

You may not link to the Money Lessons web site for the purpose of selling your products or other property without the prior written authorization of Money Lessons.

Revised August 1, 2008