IN THESE TERMS AND CONDITIONS, “WE,” “US,” “ITS” AND “OUR” REFER TO EmagineNET Technologies., (“EmagineNET Technologies Inc.”), AND “YOU” AND “YOUR” REFER TO YOU. Before using this website or any of the products made available through it (“EmagineNET Websites”), please read this agreement relating to your use of this website carefully.

1. ACCEPTANCE OF TERMS

By using the websites, you agree to be bound by these terms and conditions of use (“Terms”). If you do not agree to these Terms, please do not use the EmagineNET Websites. EmagineNET provides the information and services on the EmagineNET Websites to you, the user, conditioned upon your acceptance, without modification, of the Terms contained herein. Your use of the EmagineNET Websites constitutes your agreement with such Terms.

We reserve the right, at our discretion, to change, modify, add or remove portions of these Terms periodically. Such modifications shall be effective immediately upon posting of the modified Terms to the EmagineNET Websites. Your continued use of the EmagineNET Websites following the posting of changes to these Terms will mean that you accept those changes.

In addition, each user’s use of a particular EmagineNET Website service (“Service”) may be subject to specific guidelines or rules (“Service-specific Rules”) posted from time to time and incorporated by this reference into the Terms. Use of the EmagineNET Websites and/or its Services constitutes full acceptance of an agreement to the Terms; if a user does not accept our Terms, he or she is not granted rights to use the EmagineNET Websites or any of its Services, as defined herein, and should refrain from accessing the EmagineNET Websites and its Services.

To update the Terms, we will post the changed version and its effective date on this Terms and Conditions of Use page. If we change any Service-specific Rules, we will post the changed version on the location where those Service-specific Rules normally appear, reference the change on the primary page for that Service and include a link to the previous version of the terms or rules. EmagineNET reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the EmagineNET Websites or any Service thereon (or any part thereof). EmagineNET shall not be liable to any user or another third party for any such modification, suspension or discontinuance except as expressly provided herein.

2. NO UNLAWFUL OR PROHIBITED USE

By using the EmagineNET Websites, you warrant to EmagineNET that you will not use the EmagineNET Websites, or any of the content obtained from the EmagineNET Websites, for any purpose that is unlawful or prohibited by these Terms. If you violate any of these Terms, your permission to use the EmagineNET Websites automatically terminates.

3. DESCRIPTION OF SERVICE AND LICENSE GRANTS

The EmagineNET Websites are owned and operated by EmagineNET for the purpose of fostering information related to Risk Assessment (the “Purpose”). The EmagineNET Websites also promote and distributes software related to (and including) transaction risk assessment.

Your rights to access, download, and use any software made available for download from the EmagineNET Websites will be subject to the terms and conditions of the software license agreement identified on the site and/or in the software as applicable to each particular software package, and you agree to comply with those terms and conditions.

Your rights to access and use of all information, data, text, graphics, or other materials appearing on the EmagineNET.com site other than software made available for download (the “Content”) is subject to the terms and conditions of one of two separate licenses, depending on the nature of the Content, as follows:

(a) You may access, view, and print a single copy of any information about EmagineNET, EmagineNET software, products, services, support, or marketing and sales materials, and related Content provided at the EmagineNET Websites (collectively, “EmagineNET Websites Content”), solely for your personal and non-commercial purposes, and subject to the restrictions set forth in these Terms of Use.

If you post any information, sample data, event types, tags, comments, or other EmagineNET Base content (your “Contributions”) to the EmagineNET Websites or otherwise provide any Contributions to EmagineNET you hereby grant to EmagineNET a perpetual, irrevocable, worldwide, royalty-free license to use, make, have made, offer for sale, sell, copy, distribute, perform, display, and transmit such Contributions, and to grant to others rights to do any of the foregoing.

4. REGISTRATION OBLIGATIONS

If required by EmagineNET, each user must: (a) provide true, accurate, current and complete information on the Service’s registration form (collectively, the “Registration Data”) and (b) maintain and promptly update the Registration Data as necessary. If, after investigation, we have reasonable grounds to suspect that any user’s information is untrue, inaccurate, not current or incomplete, we may suspend or terminate that user’s account and prohibit any and all current or future use of the Services (or any portion thereof) by that user other than as expressly provided herein.

Each user may receive a password and account designation upon completing EmagineNET.com registration process and is wholly responsible for maintaining the confidentiality thereof and wholly liable for all activities occurring thereunder. EmagineNET cannot and will not be liable for any loss or damage arising from a user’s failure to comply with this Section, including any loss or damage arising from any user’s failure to (a) immediately notify EmagineNET of any unauthorized use of his or her password or account or any other breach of security and (b) ensure that he or she exits from his or her account at the end of each session.

The EmagineNET Websites handle user Registration Data in accordance with the EmagineNET Websites Privacy Statement.

5. CONTENT

EmagineNET will not pre-screen or review Content, but EmagineNET reserves the right to refuse or delete any Content of which it becomes aware that it reasonably deems not to fulfill the Purpose. In addition, EmagineNET shall have the right (but not the obligation) in its sole discretion to refuse or delete any Content that it reasonably considers to violate the Terms or be otherwise illegal.

EmagineNET does not control the Content posted via the Services and, as such, does not guarantee the accuracy, integrity or quality of such Content. Under no circumstances will EmagineNET be liable in any way for any Content, including, but not limited to, liability for any errors or omissions in any Content or for any loss or damage of any kind incurred as a result of the use of any Content posted, emailed or otherwise transmitted via the EmagineNET Websites or any Services thereon.

Each user, by using the EmagineNET Websites or any Services, may be exposed to Content that is offensive, indecent or objectionable. Each user must evaluate, and bear all risks associated with, the use of any Content, including any reliance on the accuracy, completeness, or usefulness of such Content.

6. TERMINATION

We may terminate EmagineNET Website user’s account in our absolute discretion and for any reason. We are especially likely to terminate for reasons that include, but are not limited to, the following: 1.) violation of these Terms; 2.) abuse of site resources or attempt to gain unauthorized entry to the site or site resources; 3.) use the EmagineNET Websites Services in a manner inconsistent with the Purpose; 4.) a user’s request for such termination; and 5.) requirement of applicable law, regulation, court or governing agency order.

Our termination of any user’s access to the EmagineNET Websites or any Services hereunder may be affected without notice and, on such termination, we may immediately deactivate or delete user’s account and/or bar any further access to such files. EmagineNET shall not be liable to any EmagineNET Website user or another third party for any termination of that user’s EmagineNET Website access or account hereunder.

7. LINKS

EmagineNET any Service or a third party may provide links to other websites. EmagineNET exercises no control whatsoever over such other non-EmagineNET websites and web-based resources and is not responsible or liable for the availability thereof or the content, advertising, products or other materials thereon. EmagineNET shall not be responsible or liable, directly or indirectly, for any damage or loss incurred or suffered by any user in connection therewith. Your access and use of websites linked to the EmagineNET Websites, including information, material, products, and services therein, is solely at your own risk.

The EmagineNET Websites privacy statement is applicable only when you are on the EmagineNET Websites. Once you choose to link to another website, you should read that website’s privacy statement before disclosing any personal information.

8. INDEMNITY

Each user shall indemnify, defend and hold harmless EmagineNET Inc., subsidiaries and affiliates and their respective officers, employees and agents, and each of EmagineNET’s website partners from any and all claims, demands, damages, costs and liabilities, including reasonable attorneys’ fees, made by any third party due to or arising out of that user’s acts or omissions, including claims arising out of that user’s use of the EmagineNET Websites; his or her submission, posting or transmission of Content or his or her violation of the Terms.

9. DISCLAIMER OF WARRANTIES

EACH USER’S USE OF THE EmagineNET WEBSITES AND THE EmagineNET WEBSITES SERVICES IS AT HIS OR HER SOLE RISK. EmagineNET AND THE EmagineNET WEBSITE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS AND EmagineNET INC. ASSUMES NO RESPONSIBILITY FOR THE TIMELINESS, DELETION, MIS-DELIVERY OR FAILURE TO STORE ANY USER COMMUNICATIONS OR PERSONALIZATION SETTINGS. EACH EmagineNET WEBSITE USER WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO HIS OR HER COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL. EmagineNET 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. SPECIFICALLY, EmagineNET MAKES NO WARRANTY THAT (I) THE EmagineNET WEBSITES OR ANY EmagineNET SERVICE WILL MEET YOUR REQUIREMENTS, (II) ANY USER ACCESS WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, (III) THE QUALITY OF ANY CONTENT, PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIAL OBTAINED BY ANY USER WILL MEET HIS OR HER EXPECTATIONS, AND (IV) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED. EXCLUDING ONLY DAMAGES ARISING OUT OF EmagineNET ‘S GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, EmagineNET 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 EmagineNET HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM ANY USER’S USE OR INABILITY TO USE THE EmagineNET WEBSITES OR ANY SERVICE; THE COST OF PROCUREMENT OF SUBSTITUTE SERVICES; UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE EmagineNET WEBSITES OR ANY SERVICE; OR ANY OTHER MATTER RELATING TO THE EmagineNET WEBSITES OR ANY SERVICE. NOTHING HEREIN SHALL BE DEEMED TO CREATE AN AGENCY, PARTNERSHIP, JOINT VENTURE, EMPLOYEE-EMPLOYER OR FRANCHISOR-FRANCHISEE RELATIONSHIP OF ANY KIND BETWEEN EmagineNET AND ANY USER OR OTHER PERSON OR ENTITY NOR DO THESE TERMS OF SERVICE EXTEND RIGHTS TO ANY THIRD PARTY. AS NOTED ABOVE, EmagineNET DOES NOT AND CANNOT CONTROL THE ACTIONS OF EmagineNET WEBSITE USERS, VISITORS OR LINKED THIRD PARTIES. WE RESERVE THE RIGHT TO REPORT ANY MALFEASANCE THAT COMES TO OUR ATTENTION TO THE APPROPRIATE AUTHORITIES. WE DO NOT GUARANTEE CONTINUOUS UNINTERRUPTED OR SECURE ACCESS TO THE EmagineNET WEBSITES OR ANY SERVICES. OPERATION OF THE EmagineNET WEBSITE MAY BE SUBJECT TO INTERFERENCE FROM NUMEROUS FACTORS OUTSIDE OUR CONTROL. FURTHER, SCHEDULED AND PREVENTIVE MAINTENANCE AS WELL AS REQUIRED AND EMERGENCY MAINTENANCE WORK MAY TEMPORARILY INTERRUPT SERVICES OR ACCESS TO THE WEBSITES. THE DISCLAIMERS OF WARRANTY AND LIMITATIONS OF LIABILITY APPLY, WITHOUT LIMITATION, TO ANY DAMAGES OR INJURY CAUSED BY THE FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF OR USE OF ANY ASSET, WHETHER ARISING OUT OF BREACH OF CONTRACT, TORTIOUS BEHAVIOUR, NEGLIGENCE OR ANY OTHER COURSE OF ACTION BY EmagineNET.

10. LIMITATION OF LIABILITY

IN NO EVENT SHALL EmagineNET INC., SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES OR OUR SUPPLIERS BE LIABLE FOR LOST PROFITS OR ANY SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN CONNECTION WITH THE EmagineNET WEBSITES, OUR SERVICES OR THIS AGREEMENT (HOWEVER ARISING, INCLUDING NEGLIGENCE).

OUR LIABILITY, AND THE LIABILITY OF SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES, AND SUPPLIERS, TO YOU OR ANY THIRD PARTIES IN ANY CIRCUMSTANCE IS LIMITED TO $1000. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

11. RELEASE

In the event that you have a dispute with one or more EmagineNET Website users, you release EmagineNET Inc. (and our officers, directors, agents, subsidiaries, parent corporation, joint ventures and employees) from claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes. If you are a California resident, you waive California Civil Code 1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.”

12. FRAUD

Without limiting any other remedies, EmagineNET Inc. may suspend or terminate your EmagineNET Website account if we suspect that you have engaged in fraudulent activity in connection with the EmagineNET Websites or any EmagineNET Service.

13. Legal Compliance

You shall comply with all applicable domestic and international laws, statutes, ordinances, and regulations regarding your use of the EmagineNET Websites and all of its Services.

14. NO AGENCY

You and EmagineNET Inc. are independent contractors, and no agency, partnership, joint venture, employee-employer or franchiser-franchisee relationship is intended or created by these Terms.

15. TRADEMARK INFORMATION

EmagineNET.com, the EmagineNET logo and other EmagineNET trademarks, service marks, and product and service names are trademarks of EmagineNET Technologies Inc.

16. COPYRIGHTS

EmagineNET respects the intellectual property rights of others and requires that the people who use the EmagineNET Websites do the same. It is our policy to respond promptly to claims of intellectual property misuse.

If you believe that your work has been copied and is accessible on this site in a way that constitutes copyright infringement, you may notify us by providing our copyright agent with the following information in writing:

1. the electronic or physical signature of the owner of the copyright or the person authorized to act on the owner’s behalf;
   2. identification of the copyrighted work that you claim has been infringed;
   3. identification of the material that is claimed to be infringing and information reasonably sufficient to permit EmagineNET to locate the material;
   4. your name, address, telephone number, and email address;
   5. a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
   6. a statement, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or are authorized to act on the copyright owner’s behalf.

If EmagineNET receives such a claim, EmagineNET reserves the right to refuse or delete Content as described under Section 5 hereto or to terminate a user’s account in accordance with Section 9.

Our designated agent to receive notification of claimed infringement under the Digital Millennium Copyright Act OF 1998 (“DMCA”) can be reached at:

sales@emagineNET.com

After receiving a claim of infringement, EmagineNET will process and investigate notices of alleged infringement and will take appropriate actions under the DMCA and other applicable intellectual property laws. Upon receipt of notices complying or substantially complying with the DMCA, EmagineNET will act expeditiously to remove or disable access to any material claimed to be infringing or claimed to be the subject of infringing activity, and will act expeditiously to remove or disable access to any reference or link to material or activity that is claimed to be infringing. EmagineNET will take reasonable steps promptly to notify the subscriber that it has removed or disabled access to such material.

Upon receipt of a proper counter notification under the DMCA, EmagineNET will promptly provide the person who provided the initial notification of claimed infringement with a copy of the counter notification and informs that person that it will replace the removed material or cease disabling access to it in ten business days. Additionally, EmagineNET will replace the removed material and cease disabling access to it not less than 10, nor more than 14 business days following receipt of the counter-notice, unless EmagineNET’s designated agent first receives notice from the person who submitted the initial notification that such person has filed an action seeking a court order to restrain the subscriber from engaging in infringing activity relating to the material on the EmagineNET Websites system or network.

You may provide us with a Counter Notification by providing our copyright agent the following information in writing:

1. your physical or electronic signature;
   2. identification of the material that has been removed or to which access has been disabled and the location at which the material appeared before it was removed or access to it was disabled;
   3. a statement under penalty of perjury that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled;
   4. your name, address, and telephone number, and a statement that you consent to the jurisdiction of Federal District Court for the judicial district in which your address is located, or if your address is outside of the United States, for any judicial district in which EmagineNET may be found and that you will accept service of process from the person who provided the initial notification of infringement.
2. RESOLUTION OF DISPUTES

In the event a dispute arises between you and EmagineNET, our goal is to provide you with a neutral and cost-effective means of resolving the dispute quickly. Accordingly, you and EmagineNET agree that any claim or controversy at law or equity that arises out of this Agreement or our services (“Claims”) shall be resolved in accordance with one of the subsections below or as otherwise mutually agreed upon in writing by the parties.

1. Amicable resolution. Before resorting to the other alternatives below, we strongly encourage you to first contact us directly to seek an amicable resolution through dialog.
   2. Alternative Dispute Resolution. Alternatively, EmagineNET will consider reasonable requests to resolve the dispute through alternative dispute resolution procedures, such as mediation, as an alternative to litigation.
   3. Binding Arbitration. For any Claim (excluding Claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000, you or EmagineNET may elect to resolve the dispute through binding arbitration conducted by telephone, online and/or based solely upon written submissions where no in-person appearance is required. If in-person appearance is required, it shall be held in San Francisco County, California or another location mutually agreed upon by the parties. In all such cases, the arbitration shall be administered by the American Arbitration Association or JAMS in accordance with their applicable rules, or any other established ADR provider mutually agreed upon by the parties. Any judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.
   4. Court. Alternatively, any Claim may be adjudicated by a court of competent jurisdiction located in Fort Bend County, Texas or where our office is located. You and EmagineNET agree to submit to the personal jurisdiction of the courts located within the county of Fort Bend, Texas.

All Claims (excluding requests for injunctive or equitable relief) between the parties must be resolved using the dispute resolution mechanism that is selected in accordance with this Section by the first party to file a Claim. Should either party file an action contrary to this Section 21, the other party may recover attorneys’ fees and costs up to $1000, provided that the party seeking the award has notified the other party in writing of the improperly filed Claim, and the other party has failed to withdraw the Claim.

18. GENERAL INFORMATION

The Terms constitute the entire agreement between each user and EmagineNET Inc. and govern each user’s use of the EmagineNET Websites and EmagineNET Services, superseding any prior agreements. Each user may be subject to additional terms and conditions that may apply when that user uses affiliate services, third-party content or third-party software. The Terms and the relationship between each user and EmagineNET shall be governed by the laws of the State of Texas without regard to its conflict of law provisions and each party shall submit to the personal and exclusive jurisdiction of the courts located within the county of Fort Bend, Texas. If any provision of the Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the Terms remain in full force and effect.

19. VIOLATIONS OF TERMS

Please report any violations of the Terms to the EmagineNET Websites Support Manager at sales@EmagineNET.com.

20. ADDITIONAL TERMS

The following policies are incorporated into these Terms by reference and provide additional terms and conditions related to specific services offered on the EmagineNET Websites:

Privacy Statement: http://emaginenet.com/privacy-policy/

Each of these policies may be changed from time to time and are effective immediately after we post the changes on EmagineNET.com, except for the Privacy Statement for which we will provide you with fifteen (15) days prior notice. In addition, when using particular services on the EmagineNET Websites, you agree that you are subject to any posted policies or rules applicable to services you use through the EmagineNET Websites, which may be posted from time to time. All such posted policies or rules are hereby incorporated by reference into these Terms.