TERMS OF USE

1. Acceptance of Terms of Use. By accessing, viewing or using any Service (as defined below) or Content (as defined below) of MyMerchRewards.com, you expressly accept and agree to be legally bound by and comply with all of the terms and conditions set forth herein, as well as the following legal notices (which are incorporated herein by this reference):

* MyMerchRewards Community Guidelines;
* Digital Millennium Copyright Act;
* Privacy Policy and;
* Social Networking Service Membership Agreement.



The terms and conditions set forth herein, and the provisions of the above-referenced legal notices, are referred to hereinafter collectively as the "Terms of Use."

If you do not agree to the Terms of Use, please do not access or use any Service or Content of MyMerchRewards.com. MyMerchRewards.com reserves the right, in its sole discretion, to update or revise the Terms of Use at any time. Therefore, please check back regularly for changes and updates. Your continued use of any Service or Content of MyMerchRewards.com following the posting of any changes or updates to the Terms of Use constitutes your acceptance of such changes and updates.

2. Ability to Accept Terms of Use. As a condition of your use of any Service or Content of MyMerchRewards.com, you represent and warrant that you (i) are either more than 18 years of age, or an emancipated minor, or possess legal parental or guardian consent, and (ii) are fully able and competent to understand, assent to, and enter into the Terms of Use, and to abide by and comply with the Terms of Use. In any case, no one under 13 years of age may use MyMerchRewards.com or any Service or Content of MyMerchRewards.com. Your registration and membership, if any, may be cancelled or terminated without warning, if we have any reason to believe that you may be under the age of 13.

3. Certain Definitions. As used herein, the term "Service" means any online service provided by or through MyMerchRewards.com, including, without limitation, internet access, email, instant messaging, webcast, wireless delivery of Content, forums, chat rooms, bulletin boards, message boards, story boards, weblogs, videoblogs (vlogs), social networking service, and shopping channels; the term "Content" means any and all information, data, material, work, text, message, communication, images, television shows, videos, audios, programs, software, and merchandise provided by MyMerchRewards.com; the term "User" means you or any other person who accesses or uses MyMerchRewards.com's Services or Content, regardless of whether you or such other person has an account with MyMerchRewards.com; the term "Member" means a User who has registered with MyMerchRewards.com in order to access and use a Service that requires registration, such as the Site's social networking service and chat rooms; the term "User Posting" means any information, data, material, work, text, message, communication, image, video, audio, photograph, program, software, or merchandise posted, submitted, displayed, exhibited, uploaded, distributed, transmitted, offered, or provided by a User on or via MyMerchRewards.com or through use of any of its Services such as email, instant messaging, forums, chat rooms, bulletin boards, message boards, story boards, weblogs, videoblogs (vlogs), or social networking service; the term "Site" means MyMerchRewards.com; and the term "MyMerchRewards Related Parties" means, collectively, MyMerchRewards Online, Inc. d/b/a MyMerchRewards.com, its parents, subsidiaries and affiliates, and their respective agents, representatives, employees, officers, directors, shareholders, members, owners, partners, licensors, licensees, sponsors, suppliers and contractors.

4. Right to Terminate. Any violation of the Terms of Use by a User or Member may result in civil or criminal liability, and MyMerchRewards.com may, in addition to any remedy that it may have at law or in equity, immediately terminate permission for any User or, if necessary, for all Users to use its Services or Content. MyMerchRewards.com reserves the right, but has no obligation, to terminate or remove any Content or User Posting that, in its sole judgment, violates the Terms of Use or any applicable law, or may expose or subject MyMerchRewards.com to liability of any kind, or may adversely affect the reputation or goodwill of MyMerchRewards.com. Please note that a violation of the Terms of Use by someone having only indirect access to a Service through a Member of such Service will be considered a violation by the Member, whether or not the violation is with or without with the knowledge or consent of the Member.

5. Right to Investigate. MyMerchRewards.com may investigate any suspected or alleged violation of the Terms of Use and cooperate with law enforcement authorities and/or third parties in such investigation. YOU HEREBY WAIVE AND AGREE NOT TO ASSERT ANY CLAIMS AGAINST MyMerchRewards RELATED PARTIES BASED UPON ANY INVESTIGATION BY MyMerchRewards.com OR LAW ENFORCEMENT AUTHORITIES, OR ANY ACTION TAKEN IN CONNECTION WITH OR AS A RESULT OF SUCH INVESTIGATION.

6. Right to Disclose. You understand and agree that MyMerchRewards.com has the right at all times to disclose the identity of a User or the source of a User Posting in connection with internal inquiries in connection with any abuse of the Service, law enforcement authorities' investigation of alleged illegal activity, or in response to a lawful court order or subpoena.

7. Prohibited Use and Reporting Abuse. MyMerchRewards.com does not permit or tolerate any illegal, abusive, harmful or improper use of its Services or Content, or any use that interferes with other Users' enjoyment of its Services or Content. If you believe that you have been a victim of any such conduct that is described below, please email to abuse@correo.MyMerchRewards.com. Without limiting the generality of the foregoing, MyMerchRewards.com specifically prohibits the following activities:

(a) Collecting, storing, posting, transmitting or soliciting any material, information, message or communication, or engaging in, soliciting, inducing, encouraging or contributing to any act or conduct that is unlawful, harassing, stalking, threatening, abusive, defamatory, libelous, slanderous, scandalous, deceptive, fraudulent, invasive of another's privacy, tortious, obscene, pornographic, vulgar, profane, racist, discriminating, or otherwise objectionable or offensive;

(b) Collecting, storing, posting, transmitting or soliciting any material, information, message or communication, or engaging in, soliciting, inducing, encouraging or contributing to any act or conduct that infringes upon or violates any patent, copyright, trademark, trade secret, right of privacy or publicity, or other intellectual property or proprietary right of any person or entity, including, without limitation: (i) copying, reproducing, displaying, exhibiting, performing, transmitting, sharing or distributing any copyrighted work or material without permission or consent from the copyright owner; (ii) providing information, software, programs or tools that enable circumvention of manufacturer-installed copy-protected devices; (iii) providing pirated music, movies, video or software, or links to pirated music, movies, video or software; (iv) posting or distributing video, photographs, or images of another person without his or her consent (or in the case of a minor, the minor's legal guardian); and (v) disseminating or transmitting private, confidential or proprietary information or material that you do not have permission or a right to disseminate or transmit;

(c) Collecting, storing, posting, transmitting or soliciting any material, information, message or communication, or engaging in, soliciting, inducing, encouraging or contributing to any act or conduct that violates or may give rise to criminal or civil liability under any federal, state, local, national or international law, including, without limitation, the U.S. export control laws and regulations, and the Computer Fraud and Abuse Act;

(d) Collecting, storing, posting, transmitting or soliciting personal information (including, without limitation, biographical, residential, social, marital, occupational, financial, and health information) about other Users without their knowledge or consent, or under false pretense, or through "phishing";

(e) Collecting, storing, posting, transmitting or soliciting personal information about persons under the age of 18;

(f) Collecting, posting, transmitting or soliciting harmful computer software viruses, bugs, worms, codes, files or programs;

(g) Promoting or soliciting involvement in or support of a political platform, religion, cult or sect;

(h) Promoting or soliciting gambling or engaging in any gambling or similar activity;

(i) Promoting or providing instructional information about illegal activities, promoting physical harm or injury against any group or individual, or promoting any act of cruelty to animals;

(j) Gaining or attempting to gain unauthorized access to any Service, profiles, blogs, chat rooms, communities, or account information, or providing, soliciting or exchanging other Users' passwords or personal identifying information for commercial or unlawful purposes;

(k) Impersonating, or otherwise misrepresenting affiliation, connection or association with, any person or entity, including, without limitation, any of MyMerchRewards Related Parties;

(l) Engaging in any act to deceive or mislead, including, without limitation, (i) falsifying User information; (ii) forging or otherwise manipulating headers or other identifying information in order to disguise the origin of any User Posting; (iii) using invalid or non-existent domain names or other means of deceptive addressing in User Postings; and (iv) relaying email or other material in an anonymous fashion, relaying email or other material from any third party's server without that third party's permission, or using similar techniques to hide or obscure the source of email or other material;

(m) Transmitting or distributing "junk mail," "chain mail" or "chain letters," or engaging in unsolicited mass emailing, "spamming" or "spimming," or making fraudulent offers to sell or purchase, or conducting any type of financial scam such as "pyramid schemes" and "ponzi schemes";

(n) Engaging in "trolling," such as posting material, information, message or communication that is off-topic, absurd, or meaningless, with the intent of causing disruption or provoking reaction from others, or disrupting the normal flow of dialogue, causing a screen to "scroll" faster than other Users are able to type, or otherwise acting in a manner that negatively affects other Users' ability to engage in real time exchanges;

(o) Disrupting or interfering with other Users' use of any Service or Content or any system or network, including, without limitation, (i) making "denial of service" attacks against another system or network host or another User; (ii) hacking, mail-bombing, flooding, overloading, attacking or otherwise sabotaging or interfering with a system or network; and (iii) without permission from the owner or host of a system or network, accessing such system or network, monitoring data or traffic, probing, scanning, testing firewalls, testing the vulnerability of such system or network, or breaching the security or authentication routines of such system or network;

(p) Reselling or attempting to resell any Service without MyMerchRewards.com's prior authorization; and

(q) Any other activities that MyMerchRewards.com determines, in its sole discretion, are illegal, abusive, harmful or improper.

8. Proprietary Rights. Except as set forth in the Social Networking Service Membership Agreement, you acknowledge and agree that all Content is protected by copyrights, trademarks, service marks, patents, trade secrets, and/or other proprietary rights that belong to MyMerchRewards.com or to its parents, subsidiaries, affiliates, licensors or business partners. Except as expressly authorized by MyMerchRewards.com, you may not copy, reproduce, sell, distribute, disseminate, transmit, publicly display, publish, modify, adapt, edit or otherwise exploit any Content for any purposes, by any means or in any media, other than (i) printing or downloading for your personal, non-commercial use ONLY, provided that you must keep intact all copyright, trademark and other proprietary rights notices contained in or accompanying such Content; and/or (ii) as expressly authorized by MyMerchRewards.com. The systematic retrieval of any Content to create or compile, directly or indirectly, a collection, compilation, database or directory without the prior written permission of MyMerchRewards.com is prohibited. In addition, use of any Content for any purpose not expressly permitted in these Terms of Use is prohibited.

9. MyMerchRewards Trademarks. As used herein, "MyMerchRewards Trademarks" means all names, marks, brands, logos, designs, trade dress and other designations that belong to MyMerchRewards.com or its parents, subsidiaries or affiliates, including, without limitation, MyMerchRewards and MyMerchRewards.com. You may make reference to MyMerchRewards Trademarks, but only if your reference is truthful and not misleading. You may not remove or alter any MyMerchRewards Trademarks. You acknowledge MyMerchRewards.com's and its affiliates' rights in MyMerchRewards Trademarks and agree that any and all use of MyMerchRewards Trademarks shall inure to the sole benefit of MyMerchRewards.com and its affiliates. You agree not to incorporate any MyMerchRewards Trademarks into your marks, names, logos, domain names, links or designations.

10. Third Party Trademarks. All other trademarks and service marks appearing on MyMerchRewards.com are the property of their respective owners.

11. Third Party Websites. MyMerchRewards.com provides links to certain third party websites for your convenience only. These sites are owned or controlled by third parties unrelated to MyMerchRewards.com. Therefore, MyMerchRewards.com does not warrant or guarantee the availability, completeness, correctness, accuracy, usefulness, timeliness or reliability of, or the results of your use of or reliance upon, any information or material contained in such third party sites. Also, by merely linking to a third party site, MyMerchRewards.com by no means sponsors, endorses, approves or recommends such third party site, or any information, material, views, opinions, products or services posted, offered or advertised on such third party site. You acknowledge that you access and use such third party sites solely at your own risk. You agree that under no circumstances will MyMerchRewards.com be liable in any way for any information or material contained in any third party sites linked to or from MyMerchRewards.com. MyMerchRewards.com is not responsible for any errors or omissions associated with such third party sites, or for any loss or damage of any kind incurred as a result of your use of or reliance upon any information or material contained in such third party sites.

12. Dealings with Advertisers. MyMerchRewards.com allows certain third parties to place, display, serve or sponsor advertisements on the Site. Your communication or business dealings with, or participation in promotions of, such advertisers, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertisers. You agree that MyMerchRewards.com shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Site.

13. User Postings.

(a) For any User Postings made by you, you hereby grant to MyMerchRewards.com and MyMerchRewards Related Parties a royalty-free, perpetual, non-exclusive, unrestricted, worldwide right and license to use, copy, reproduce, display, exhibit, perform, adapt, modify, distribute and promote such User Postings worldwide in any media now known or hereafter developed, by any means and for any purpose. You agree that you will be solely responsible for any User Postings made by you. You hereby represent and warrant that you own or otherwise control all of the rights in and to such User Postings and that no use of such User Postings by MyMerchRewards.com or MyMerchRewards Related Parties will infringe or violate any person's or entity's copyright, trademark, trade secret, privacy, reputation, or other property, personal or proprietary right, or violate any applicable law. MyMerchRewards.com reserves the right, at any time and in its sole discretion, but has no obligation, to remove, delete, block, disable or deny access to any User or any User Postings made by you that, in its sole judgment, violates these Terms of Use or any applicable law, or may expose or subject MyMerchRewards.com or MyMerchRewards Related Parties to liability of any kind, or may adversely affect the reputation or goodwill of MyMerchRewards.com or MyMerchRewards Related Parties.

(b) You acknowledge that when you post or submit information about yourself to the public areas of MyMerchRewards.com (e.g., social networking community, chat rooms, forums, etc.), your information may be seen and used by any other visitor to such public areas. It may also be possible for others to obtain personal information about you due to your use of a Service, and that the recipient may use such information to harass or harm you. MyMerchRewards.com does not approve of such unauthorized uses but by using the Site you acknowledge and agree that MyMerchRewards.com is not responsible for others' use or misuse of any personal information, data or material about you, your family or your friends that you post or allow others to post on the Site. PLEASE CAREFULLY SELECT THE TYPE OF INFORMATION THAT YOU POST OR DISPLAY ON MyMerchRewards.com.

(c) YOU ACKNOWLEDGE THAT BY UTILIZING MyMerchRewards.com, YOU MAY BE EXPOSED TO USER POSTINGS THAT YOU FIND TO BE OFFENSIVE, INDECENT, OR OBJECTIONABLE OR THAT ARE ERRONEOUS, INACCURATE OR MISLEADING, AND YOU BEAR ALL RISKS ASSOCIATED WITH YOUR USE OF OR RELIANCE UPON SUCH USER POSTINGS. MyMerchRewards.com HAS THE RIGHT, BUT NOT THE OBLIGATION, TO (I) DENY ACCESS TO ANY USER WHO VIOLATES THE TERMS OF USE OR ANY APPLICABLE LAW AND/OR (II) REMOVE ANY USER POSTING THAT, IN ITS SOLE JUDGMENT, VIOLATES THESE TERMS OF USE OR ANY APPLICABLE LAW, OR IS OTHERWISE OBJECTIONABLE, OR MAY EXPOSE OR SUBJECT MyMerchRewards.com TO LIABILITY OF ANY KIND, OR MAY ADVERSELY AFFECT THE REPUTATION OR GOODWILL OF MyMerchRewards.com. UNDER NO CIRCUMSTANCE WILL MyMerchRewards.com BEAR ANY RISK ASSOCIATED WITH YOUR USE OF OR RELIANCE UPON ANY USER POSTING. MyMerchRewards.com IS NOT RESPONSIBLE FOR ANY ERRORS OR OMISSIONS ASSOCIATED WITH ANY USER POSTINGS, OR FOR ANY LOSS OR DAMAGE OF ANY KIND ARISING AS A RESULT OF YOUR USE OF OR RELIANCE UPON ANY USER POSTINGS.

(d) MyMerchRewards.com does not accept or consider ideas, suggestions or materials submitted by Users other than those specifically requested or solicited by us (see Paragraph (e) below). This is to avoid the possibility of disputes between you and us when projects independently developed by MyMerchRewards.com or MyMerchRewards Related Parties might seem similar to your ideas, suggestions or materials. If you do send us, or post or transmit on or through the Site or any Service, any unsolicited ideas, suggestions or materials, you agree that such ideas, suggestions or materials, upon submission, shall become the property of MyMerchRewards.com, and that MyMerchRewards.com and MyMerchRewards Related Parties shall be free to use, disclose, publish, distribute and otherwise exploit such ideas, suggestions or materials, without restriction, limitation or obligation of any kind whatsoever, in perpetuity and throughout the universe, and for any purpose whatsoever, commercial or otherwise, all without compensation, credit or attribution to you.

(e) MyMerchRewards.com may from time to time request or solicit submissions from Users, e.g., video submissions as part of a promotion on the Site. You agree that by posting or submitting such solicited Content (each, a "Submission") or engaging in any form of discussion, dialogue or other communication (each, a "Communication") with us through these pages, you hereby grant to MyMerchRewards.com and MyMerchRewards Related Parties a royalty-free, perpetual, non-exclusive, unrestricted, worldwide right and license to: (i) use, copy, sublicense, display, perform, adapt, modify, publish, distribute, advertise, promote, transmit, create derivative works based upon, and otherwise exploit, commercially or otherwise, any such Submission or Communication; and (ii) sublicense to third parties the unrestricted right to exercise any of the above rights.

(f) You understand and agree that MyMerchRewards.com and MyMerchRewards Related Parties are under no obligation to you of any kind with regard to any Submission or Communication posted or uploaded by you now or in the future. MyMerchRewards.com reserves the right, at any time and in its sole discretion, but has no obligation, to remove, block, deny access to, or refuse to post any Submission or Communication that, in its sole judgment, violates these Terms of Use or any applicable law, or may expose or subject MyMerchRewards.com to liability of any kind, or may adversely affect the reputation or goodwill of MyMerchRewards.com. MyMerchRewards.com also reserves the right, at any time and in its sole discretion, to use and disclose any Submission or Communication as may be necessary to comply with any law, regulation, governmental request, or court order.

14. Notice of Copyright Infringement. If you believe that your rights under U.S. copyright law have been infringed by any Content or User Posting, or if a notice of copyright infringement has been filed against you and you believe you have received it in error, please click on Digital Millennium Copyright Act to view instructions on how to notify or reply to UNVISION.COM.

15. Password Security and Privacy. When you sign up to become a Member, you will be asked to choose a password. You are entirely responsible for maintaining the confidentiality of your password. You agree not to use the account, username, or password of another Member at any time or to disclose your password to any third party. You agree to notify MyMerchRewards.com immediately if you suspect any unauthorized use of your account or access to your password. You are solely responsible for any and all uses of and activities on your account, including uses and activities by those whom you authorize or share your password with.

MyMerchRewards.com is committed to respecting your privacy and your need to protect personal information that you share with us. To view our policy regarding your privacy, please click on Privacy Policy.

16. Social Networking Service. MyMerchRewards.com offers an online social networking service that allows Users (upon registration) to post personal profiles and network with friends. Use of this Service is subject to certain special terms and conditions. To view these terms and conditions, please click on Social Networking Service Membership Agreement..

17. MyMerchRewards Communities. These Terms of Use apply to all of the online communities on MyMerchRewards.com, including, without limitation, the Site's social networking service, chat rooms, forums, and message boards. For Users' convenience, we have highlighted some important guidelines for Users to remember when participating in these communities. To view these highlights, please click on MyMerchRewards Community Guidelines.

18. Disclaimer of Warranties. YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

(A) MyMerchRewards.com IS FOR GENERAL INFORMATIONAL, EDUCATIONAL AND ENTERTAINMENT PURPOSES ONLY, AND DOES NOT INTEND TO ADVISE, INSTRUCT OR MAKE RECOMMENDATIONS WITH RESPECT TO ANY PARTICULAR SUBJECT, MATTER, MATERIAL, PROBLEM, SITUATION OR INDIVIDUAL.

(B) ALL SERVICES AND CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, MyMerchRewards.com DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, WITH RESPECT TO ANY AND ALL SERVICES AND CONTENT, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND WARRANTIES OF TITLE AND NON-INFRINGEMENT. MyMerchRewards.com DOES NOT WARRANT OR GUARANTEE THE AVAILABILITY, ACCESSIBILITY, COMPLETENESS, CORRECTNESS, ACCURACY, USEFULNESS, TIMELINESS, RELIABILITY OR SAFETY OF, OR THE RESULTS OF YOUR USE OF OR RELIANCE UPON, ANY SERVICE OR CONTENT. MyMerchRewards ALSO DOES NOT WARRANT OR GUARANTEE THAT ALL SERVICES AND CONTENT WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; OR THAT ALL CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

(C) YOUR USE OF OR RELIANCE UPON ANY SERVICE OR CONTENT IS ENTIRELY AT YOUR OWN RISK. WITHOUT LIMITATION TO THE FOREGOING, MyMerchRewards.com IS NOT RESPONSIBLE FOR OTHERS' USE OR MISUSE OF ANY PERSONAL INFORMATION, DATA, PHOTOGRAPHS, VIDEOS, AUDIOS, OR OTHER MATERIAL ABOUT YOU, YOUR FAMILY, OR FRIENDS THAT YOU POST OR ALLOW OTHERS TO POST ON MyMerchRewards.com. WE RECOMMEND THAT YOU USE DISCRETION WHEN POSTING ANY SUCH INFORMATION. LIKEWISE, MyMerchRewards.com IS NOT RESPONSIBLE FOR YOUR EXPOSURE TO ANY CONTENT OR USER POSTING THAT IS OFFENSIVE, INDECENT OR OTHERWISE OBJECTIONABLE TO YOU OR TO OTHERS.

19. Additional Disclaimers. You expressly understand and agree that the following additional disclaimers shall apply to your use of MyMerchRewards.com:

* For Health Related Pages and Content (applicable to Health and Science, Health Issues): The Content contained in these pages is intended for general informational purposes only. You should not rely on such Content for any action or non-action. Such Content is not intended to constitute advice, instruction or recommendation as to any disease, ailment, physical condition or its diagnosis or treatment, and should not be considered complete or exhaustive. Such Content should not be relied upon to suggest any course of treatment, medicine, diet, fitness or health program for any particular individual. Such Content should not be used in place of a visit, inquiry or consultation with your doctor or other qualified health care provider. You should not act or rely upon any Content in these pages without seeking the advice of your doctor or other qualified health care provider. Always consult with your doctor or other qualified health care provider before starting any treatment, medicine, diet, fitness or health program. You should never disregard the medical advice of your doctor or other qualified health care provider or delay in seeking it because of something you have read in these pages. You acknowledge and agree that any action or non-action based upon any Content in these pages is solely at your own risk and under no circumstances will MyMerchRewards.com be liable in any way with regard thereto.
* For Business and Financial Related Pages and Content (applicable to Business/Finance, Stock Markets, Taxes, Banking, Credit, Personal Finance): Content contained in these pages is intended for general informational purposes only. You should not rely on such Content for any action or non-action. You should always verify pertinent information directly with your broker, dealer, agent, bank, financial institution or other service or information provider. You acknowledge and agree that any trading, dealing, transaction or action based upon any Content in these pages is solely at your own risk and under no circumstances will MyMerchRewards.com be liable in any way with regard thereto.
o Online Trading Services:
MyMerchRewards.com provides links to online trading services for your convenience only. These online trading services are provided by registered brokers, dealers and mutual fund companies, and such brokers, dealers and mutual fund companies are solely responsible for any services they provide to you. MyMerchRewards.com IS NOT A REGISTERED BROKER, DEALER OR MUTUAL FUND COMPANY AND DOES NOT ENDORSE OR RECOMMEND THE SERVICES OF ANY PARTICULAR BROKER, DEALER OR MUTUAL FUND COMPANY.
o Investment Information: Stock and mutual fund price quotes, news stories and other information and data related to the investment and financial markets, as well as reference materials and links to relevant third party sites (collectively "Investment Information"), are for general informational purposes only and should not be relied upon for transactional purposes. MyMerchRewards.com does not, and should not be assumed to, warrant or guarantee the availability, completeness, correctness, accuracy, usefulness, timeliness or reliability of, or the results of your use of or reliance upon, any Investment Information, or endorse any investment opinions, views or recommendations, or advocate the purchase or sale of any stock, security, mutual fund or investment, or recommend the use of any particular trading or investment strategy. You agree that under no circumstances will MyMerchRewards.com be liable for any errors, omissions, inaccuracies or delays in any Investment Information, or for any of your actions taken in reliance thereupon.
o Banking, Billing and Other Online Services: Access to online banking, billing, payment, trading and other services available through these pages is provided by your bank or financial institution, not MyMerchRewards.com. You agree that under no circumstances will MyMerchRewards.com be liable for any errors, omissions, inaccuracies or delays in any such services, or for any loss or damage of any kind incurred as a result of your use of or reliance upon any such services. Your access to these services may be limited from time to time, depending on the service provided by your Internet service provider or your bank or financial institution. You may be billed for these services by your bank or financial institution, not MyMerchRewards.com, and such bank or financial institution may have its own service agreement that will govern the online services it provides and your use thereof.
* For Law Related Pages and Content (applicable to Rights, Law, Crime, Immigration): The Content contained in these pages is intended for general informational purposes only and should not be relied upon for any action or non-action. Such Content is not intended to constitute legal advice, instruction or recommendation as to any matter, issue, situation or individual. When we discuss laws and regulations in these pages, and one's rights under those laws and regulations, we are doing so to give you only a basic understanding of how US laws operate. We are not attempting to give you a solution to any particular legal problem you might have. Accordingly, you should not act or rely upon any Content contained in these pages without seeking the advice of an attorney. Also, you should never disregard the legal advice of an attorney or delay in seeking it because of something you have read in these pages.

20. Limitation of Liability. YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

(A) IN NO EVENT SHALL MyMerchRewards.com OR ANY MyMerchRewards RELATED PARTIES BE LIABLE UNDER CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER LEGAL OR EQUITABLE THEORY, FOR ANY INDIRECT, INCIDENTAL, EXEMPLARY, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, LOSS OF USE, LOST PROFITS, LOSS OF DATA OR INFORMATION OF ANY KIND, OR LOSS OF BUSINESS GOODWILL OR OPPORTUNITY) ARISING FROM OR IN CONNECTION WITH YOUR USE OF, YOUR INABILITY TO USE, OR YOUR RELIANCE UPON, ANY SERVICE, CONTENT OR USER POSTING, REGARDLESS OF WHETHER OR NOT MyMerchRewards.com OR ANY MyMerchRewards RELATED PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGES.

(B) IN NO EVENT SHALL MyMerchRewards.com'S OR ANY MyMerchRewards RELATED PARTIES' TOTAL LIABILITY TO YOU FOR ANY AND ALL CLAIMS RELATING TO YOUR USE OF, YOUR INABILITY TO USE, OR YOUR RELIANCE UPON, ANY SERVICE, CONTENT OR USER POSTING, EXCEED THE AMOUNT PAID, IF ANY, BY YOU TO MyMerchRewards.com FOR ANY MyMerchRewards.com SERVICE OR CONTENT DURING THE TERM OF YOUR MEMBERSHIP.

(C) BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES OR TOTAL LIABILITY, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

21. Indemnification. YOU AGREE TO DEFEND, INDEMNIFY AND HOLD MyMerchRewards.com AND ALL MyMerchRewards RELATED PARTIES HARMLESS FROM AND AGAINST ANY AND ALL CLAIMS, CAUSES OF ACTION, DEMANDS, SUITS, PROCEEDINGS, JUDGMENTS, ORDERS, DAMAGES, LIABILITIES, LOSSES, COSTS AND EXPENSES (INCLUDING, WITHOUT LIMITATION, REASONABLE ATTORNEYS' FEES AND LEGAL COSTS) ARISING FROM OR IN CONNECTION WITH (A) YOUR USE OF, YOUR INABILITY TO USE, OR YOUR RELIANCE UPON, ANY SERVICE, CONTENT OR USER POSTING; (B) ANY USER POSTINGS MADE BY YOU; OR (C) YOUR BREACH OF ANY OF YOUR REPRESENTATIONS, WARRANTIES, COVENANTS OR AGREEMENTS CONTAINED HEREIN, OR YOUR VIOLATION OF ANY OF THE TERMS OF USE. MyMerchRewards.com RESERVES THE RIGHT, AT ITS OWN COST, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER OTHERWISE SUBJECT TO INDEMNIFICATION BY YOU, IN WHICH EVENT YOU SHALL FULLY COOPERATE WITH MyMerchRewards.com IN ASSERTING ANY AVAILABLE DEFENSES.

22. International Use. MyMerchRewards.com makes no representation or warranty that all Services and Content are appropriate or available for use in locations outside the United States of America. Accessing any Service or Content from territories in which such Service or Content is illegal is prohibited. You agree that if you choose to access any Service or Content from any locations outside the United States of America, you do so at your own risk and are solely responsible for compliance with local laws.

23. Use of Software. The use of any software or application provided on MyMerchRewards.com ("Software") is subject to the following additional terms and conditions: (a) the Software is licensed for your private, non-commercial use ONLY; (b) all rights, title and interest in and to the Software, including, without limitation, any copyrights and other intellectual property rights, shall remain with MyMerchRewards.com and/or the provider or licensor of such Software; (c) except as expressly permitted in these Terms of Use or by law, you may not copy, modify, sell, distribute, disseminate, transmit, translate, reverse engineer, decompile or disassemble the Software, or disclose the Software or any underlying information or technology to any third party; (d) you may not bypass, disable, deactivate or render ineffective any protection or security scheme or program contained in the Software; (e) you may not remove, erase, modify or tamper with any copyright, trademark or other proprietary rights notice that is printed or stamped on, affixed to, or encoded or recorded in the Software; (f) you may not download, install, use, export or re-export the Software or any underlying information or technology except in full compliance with all U.S. export control laws and regulations; (g) by installing, downloading or using the Software, you represent and warrant that you are not located in, under the control of, or a national or resident of any country on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders; (h) you acknowledge that MyMerchRewards.com provides no assistance, including any technical or customer support, in the use of the Software and your use of the Software is at your own risk; (i) YOU ACKNOWLEDGE AND AGREE THAT THE SOFTWARE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED; (j) TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, MyMerchRewards.com DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, AND WARRANTIES OF TITLE AND NON-INFRINGEMENT; (k) IN NO EVENT SHALL MyMerchRewards.com BE LIABLE FOR ANY INDIRECT, INCIDENTAL, EXEMPLARY, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, LOSS OF USE, LOST PROFITS, LOSS OF DATA OR INFORMATION OF ANY KIND, OR LOSS OF BUSINESS GOODWILL OR OPPORTUNITY) ARISING FROM OR IN CONNECTION WITH YOUR USE OR MISUSE OF THE SOFTWARE; (l) as a condition to your use of the Software, you agree to defend, indemnify and hold MyMerchRewards.com and all of MyMerchRewards Related Parties harmless from and against any and all claims, causes of action, demands, suits, proceedings, judgments, orders, damages, liabilities, losses, costs and expenses (including, without limitation, reasonable attorneys' fees and legal costs) arising from or in connection with your downloading, use or reproduction of, or your receipt or transmission of any material through, the Software; and (m) MyMerchRewards.com reserves the right, in its sole discretion and at any time, to modify or discontinue the Software, limit, terminate or suspend your use of the Software, and/or assess charges for the use of the Software in the future.

24. Governing Law Jurisdiction. You expressly acknowledge and agree that:

(a) MyMerchRewards.com shall be deemed solely based in the State of New Jersey, U.S.A.;

(b) MyMerchRewards.com shall be deemed a passive website that does not give rise to personal jurisdiction over the owner or operator of MyMerchRewards.com, either specific or general, in jurisdictions other than the State of New Jersey, U.S.A.;

(c) These Terms of Use shall be governed by and construed in accordance with the laws of the State of New Jersey, U.S.A., without regard to its conflict of laws principles; and

(d) Any dispute arising between you and MyMerchRewards.com concerning any Service, Content or User Posting, or concerning the Terms of Use, shall be decided exclusively by state and federal courts located in the County of Los Angeles, State of New Jersey, U.S.A.

25. Miscellaneous. These Terms of Use constitute the entire agreement between you and MyMerchRewards.com concerning your use of the Site. If any provision of these Terms of Use is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms of Use, all of which shall remain in full force and effect. No waiver of any provision of these Terms of Use shall be deemed a further or continuing waiver of such provision or a waiver of any other provision, and MyMerchRewards.com's failure to assert any right or provision under these Terms of Use shall not constitute a waiver of such right or provision.

MyMerchRewards COMMUNITY GUIDELINES

Welcome to the MyMerchRewards Community!

We at MyMerchRewards.com offer a variety of services that allow our Members to meet, chat, interact, and communicate with each other, such as our social networking service, chat rooms, forums, and message boards (collectively the "MyMerchRewards Community"). We require that, as a member the MyMerchRewards Community, you abide by the Terms of Use at all times. Keep in mind that the Terms of Use apply to all areas of the MyMerchRewards Community, public and private. We reserve the right to terminate your access to the MyMerchRewards Community immediately, with or without notice, should you breach or otherwise violate the Terms of Use.

REMEMBER THAT ACCESS TO AND USE OF THE MyMerchRewards COMMUNITY IS A PRIVILEGE AND NOT A RIGHT.

Set forth below are highlights of some important guidelines for the MyMerchRewards Community. PLEASE NOTE THAT THESE GUIDELINES ARE PROVIDED FOR GENERAL INFORMATION ONLY AND DO NOT REPLACE THE TERMS OF USE. PLEASE ALWAYS FOLLOW THE TERMS OF USE WHEN USING THE MyMerchRewards COMMUNITY.

THE FOLLOWING CONDUCT IS PROHIBITED:
o posting or disseminating content (or links thereto) that promotes racism, bigotry, hatred or physical harm of any kind against any group or individual;
o posting or disseminating content (or links thereto) that is sexual in nature, obscene or otherwise objectionable;
o posting or disseminating others' copyrighted content (e.g., music, movies, videos, photographs, images, software, etc.) without obtaining permission first;
o posting or disseminating content (or links thereto) that contains video, audio photographs, or images of another person without his or her permission (or in the case of a minor, the minor's legal guardian);
o posting or disseminating content (or links thereto) that promotes or enables illegal or unlawful activities, such as instructions on how to make or buy illegal weapons or drugs, violate someone's privacy, obtain others' identity information, create or disseminate computer viruses, or circumvent copy-protect devices;
o posting or disseminating content (or links thereto) that contains viruses, time bombs, trojan horses, cancelbots, worms or other harmful, or disruptive codes, components or devices;
o posting or disseminating content (or links thereto) that promotes or solicits involvement in or support of a political platform, religion, cult, or sect;
o harassing, stalking, threatening, defaming, or insulting another person;
o posting or disseminating another person's personal information without his or her permission, or collecting or soliciting another person's personal information for commercial or unlawful purposes;
o collecting or soliciting personal information about anyone under 18;
o using the MyMerchRewards Community for commercial or advertising purposes;
o soliciting gambling or engaging in any gambling or similar activity;
o impersonating, or otherwise misrepresenting affiliation, connection or association with, any person or entity;
o posting off-topic or meaningless threads, one word (or short) non-sense posts, or the such;
o spamming, phishing, trolling, and similar activities.

While the above examples cover some of the most common situations, they cannot anticipate everything. Therefore, MyMerchRewards.com may take any action it deems appropriate to ensure that the MyMerchRewards Community is not disrupted or abused in any way. MyMerchRewards.com also reserves the right to suspend or permanently ban anyone who willfully or repeatedly violates the Terms of Use from participating in the MyMerchRewards Community.

Right to Disclose Member's Identity

Please keep in mind that MyMerchRewards.com has the right to disclose a member's identity in connection with investigation of alleged illegal activity or solicitation of illegal activity, or in response to a lawful court order or subpoena.

Right to Remove

MyMerchRewards.com does not actively monitor or edit User Postings in the MyMerchRewards Community. MyMerchRewards.com reserves the right, but has no obligation, to (a) remove User Postings that, in its sole determination, violate the Terms of Use or any applicable law, or may expose or subject MyMerchRewards.com to liability of any kind, or may adversely affect the reputation or goodwill of MyMerchRewards.com; and (b) terminate a member's community privileges for violation of the Terms of Use or any applicable law. User Postings that violate the Terms of Use or any applicable law may result in deletion, without notice, of your community ID and everything associated with it, including email accounts, groups, posts, homepages and profiles.

User Postings

YOU ARE SOLELY RESPONSIBLE FOR WHAT YOU POST IN THE MyMerchRewards COMMUNITY. If you post content that infringes or violates another person's copyright, trademark, trade secret, reputation, privacy, or other property or personal right, or that violates any applicable law, you may be held liable in a court of law. For any content you post, you represent and warrant that you own or otherwise control all of the rights in and to such content and that no use of such content by MyMerchRewards.com or MyMerchRewards Related Parties will infringe or violate any person's or entity's copyright, trademark, trade secret, privacy, reputation, or other property, personal or proprietary right, or violate any applicable law.

Posting Your Personal Information

You should know that any personal information you post in the MyMerchRewards Community may be seen and used by others to harass or harm you. MyMerchRewards.com has no control over and cannot be responsible for how others may use your personal information. Please use discretion and common sense when posting personal information about yourself, your family or friends in the MyMerchRewards Community.

Reporting Abuse

You may report to us content or conduct that you believe is in violation of the Terms of Use. However, keep in mind that reporting an alleged violation does not necessarily mean there is a violation, or that MyMerchRewards.com must or will take any action based on the report. In the event MyMerchRewards.com does take action, it has no obligation to inform the member who made the report. Finally, it is a violation of the Terms of Use to knowingly make a false report against another user, or to use the reporting process to harass or intimidate another member, or to encourage others to do so.

Moderators

Certain MyMerchRewards Communities may have designated moderators that have certain responsibilities in connection with such MyMerchRewards Communities (a "Moderator"). Moderators, as community leaders, should set good examples of responsible behavior for their groups, as demonstrated by their own behavior in the community. Each Moderator may, based on and consistent with the Terms of Use, determine the acceptable content and behavior of their group and should notify MyMerchRewards.com of any violations of the Terms of Use. No Moderator or group may sabotage or attempt to sabotage any other Moderator or group in any way, shape or form, and should not interfere with the operation of any MyMerchRewards.com group, forum, message board, or other service. Violation of the foregoing may result in termination of the violator's community privileges. Being a Moderator does not create any affiliation, partnership, joint venture, employment, agency, representative, or other relationship with MyMerchRewards.com and MyMerchRewards.com has no obligation to Moderators or their groups in connection with their participation as such.

DIGITAL MILLENNIUM COPYRIGHT ACT

MyMerchRewards.com is committed to complying with U.S. copyright laws and expects all Users who access our Content, including Members, to do the same. The Digital Millennium Copyright Act of 1998 ("DMCA") provides recourse for owners of copyrighted material who believe that their rights under U.S. copyright laws have been infringed on the internet. The DMCA constitutes part of the Terms of Use that govern use of the entire MyMerchRewards.com website.

Under the DMCA, copyright owners may contact the authorized agent of an internet service provider to report alleged infringements of their protected works appearing on web pages hosted by the service provider. Upon receipt of a properly filed complaint satisfying the requirements of the DMCA, MyMerchRewards.com will remove or block access to the allegedly infringing material. If a person believes in good faith that a notice of copyright infringement has been wrongly filed, such person may submit a counter-notice to MyMerchRewards.com. MyMerchRewards.com shall not be made a party to disputes over alleged copyright infringement.

If you believe that your copyrights have been infringed, or if a notice of copyright infringement has been filed against you, you should seek advice of legal counsel. We are providing the following information to you for informational purposes only.

Notification of Claimed Copyright Infringement

If you believe that any content of MyMerchRewards.com is violating your rights under U.S. copyright laws, you may file a complaint thereof with MyMerchRewards.com's designated agent in the manner described below.

By Email: help@MyMerchRewards.com

By Mail:MyMerchRewards
MyMerchRewards Online Business Affairs
78 East Halsey Rd
Parsippany, NJ

For your complaint to be valid under the DMCA, you must provide the following information when providing notice of the claimed copyright infringement:

(a) a physical or electronic signature of a person authorized to act on behalf of the copyright owner;

(b) identification of the copyrighted work claimed to have been infringed;

(c) identification of the material that is claimed to be infringing or to be the subject of the infringing activity and that is to be removed or access to which is to be disabled as well as information reasonably sufficient to permit MyMerchRewards to locate the material;

(d) information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number and, if available, an electronic mail address;

(e) a statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or law; and

(f) a statement that the information in the notification is accurate and, under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

See 17 U.S.C. § 512(c)(3) for more details.

You should be aware that, under the DMCA, claimants who make misrepresentations concerning copyright infringement may be liable for damages incurred as a result of the removal or blocking of the wrongfully accused material, court costs, and attorneys' fees.

Counter-Notification to Claimed Copyright Infringement


If a notice of copyright infringement has been filed against you, you may file a counter-notification with MyMerchRewards's designated agent at the address listed above. Such counter-notification must contain the following information:

(a) a physical or electronic signature;

(b) 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;

(c) a statement under penalty of perjury that the User has a good faith belief that the material was removed or disabled as a result of mistake or misidentification; and

(d) your name, address, and telephone number, and a statement that you consent to the jurisdiction of the federal district court for the federal district in which you are located, and that you will accept service of process from the complainant.

If MyMerchRewards.com receives a valid counter-notification, the DMCA provides that the removed material will be restored or access re-enabled.

You should be aware that U.S. copyright law provides substantial penalties for a false counter-notice filed in response to a notice of copyright infringement.

MyMerchRewards.com PRIVACY POLICY

MyMerchRewards.com (which may be referred to hereinafter as "we" or the "Site") is committed to respecting your privacy and recognizes your need to protect the personal information that you share with us. The following is our privacy policy, in which we inform you what information we might collect from you when you visit the Site, how we might use such information, and the choices you have regarding our use of, and your ability to review and correct, such information. By submitting personal identifying information to MyMerchRewards.com, you expressly give consent to MyMerchRewards.com to receive, store, and use such information in accordance with this policy. This privacy policy constitutes part of the Terms of Use that govern use of the entire MyMerchRewards.com website.

1. Types of Information We Collect

We have the ability to collect two types of information from users who visit the Site:
* Personally Identifiable Information; and
* Aggregate Information.

Personally Identifiable Information is any information by which you can be identified, such as your name, address, telephone number, email address, credit card information, birth date, gender, occupation, personal interests, etc.

Aggregate Information is anonymous data such as your IP address (i.e., a number that is assigned to your computer whenever you connect to the internet), your domain name (e.g., "XYZ.com") and user statistics (e.g., 45% of our users are female). Aggregate data is very much like television ratings that show the television network how many viewers are watching a particular television program.

2. What We Do With the Information

MyMerchRewards.com collects Aggregate Information to diagnose technical problems on the Site, to administer the Site, and to improve the quality of the pages and content that make up the Site. The collection also permits us to provide data to advertisers about the volume of use on, and frequency of visitors to, the Site, to gather broad demographic information and to improve the Site to assure that it is as appealing as we can make it for as many people as possible. Sometimes we share the Aggregate Information with our business partners, and sometimes we permit our business partners to collect the Aggregate Information directly from you, for advertising and promotional purposes. In no event, however, is this Aggregate Information matched to your Personally Identifiable Information.

MyMerchRewards.com also collects Personally Identifiable Information. This may occur when you choose certain products or services offered on the Site. For example, when you register as a Member, order products from merchants who advertise on the Site, subscribe to an email newsletter, participate in our social networking communities, chat rooms, forums, etc., or register for contests, sweepstakes, and other promotional opportunities provided by MyMerchRewards.com, you are supplying us with your Personally Identifiable Information. We use such Personally Identifiable Information to try to offer you our products and services, to improve the quality of the Content that we provide on the Site, to personalize your online experience, and to build a strong online community. From time to time, we also share such information with other MyMerchRewards Related Parties and with persons or entities with whom we do business who might also wish to offer their products or services to you such as retail stores, finance, real estate, insurance, travel, automotive, telecommunications, technology, electronics, health, beauty, food, beverage, leisure and entertainment goods and services.

In addition, we may transfer your Personally Identifiable Information as part of the assets of MyMerchRewards.com if MyMerchRewards.com is, or parts of its businesses are, sold to, merged with or acquired by, a third party. MyMerchRewards.com may also disclose your Personally Identifiable information when required by law or court order.

Whether or not you disclose such information is completely your choice. You are not obligated to answer any question that is presented to you. Of course, if you choose not to provide the information, you might be unable to access certain services, offers and content on the Site.

3. Editing, Updating, Correcting and Deleting Information About You

You may enter into your MyMerchRewards.com account at any time to edit, update and correct your account and registration information by logging into your account and clicking on "Edit Profile." Your request will be processed as soon as possible.

If after you have provided Personally Identifiable Information to us, you object to our use of the information (for example, you no longer wish to receive promotional or marketing information about products, services, and offerings from MyMerchRewards.com), you may request us to stop using the information by logging into your account and clicking on "Profile." From this page, you can change your preferences.

4. Protecting Children

We take special care to protect the safety and privacy of children. MyMerchRewards.com is a general audience site. Nevertheless, we do not permit children under age 13 to register on the Site for any product or service. We do not collect or solicit Personally Identifiable Information about Users under age 13.

Children under age 13 should always ask their parents or guardians for permission before providing any Personally Identifiable Information to anyone online. We urge parents and guardians to participate in your children's online activities and to use parental control or other internet filtering technology to supervise your children's access to the internet.

5. Cookies

MyMerchRewards.com uses cookies. A "cookie" is a small amount of data that is sent to your browser from an internet server and stored in your computer. Generally, we use cookies to remind us of who you are, tailor our products and services to suit your personal interests, estimate our audience size, assist our online merchants to track visits to and sales at their stores and to process your order, track your status in our promotions, contests and sweepstakes, and/or analyze your visiting patterns. You can set your browser to notify you when you are sent a cookie, giving you the chance to decide whether or not to accept it, or you can choose to routinely manually delete the cookies stored in your computer.

6. Security

Protecting the security of your Personally Identifiable Information that you share with us is of the utmost importance to us. Unfortunately, however, no data transmission over the internet or data storage can be guaranteed to be 100% secure. As a result, while we strive to protect your Personally Identifiable Information, we cannot guarantee or warrant the security of any information you transmit to or from MyMerchRewards.com, and you do so at your own risk. By accessing the Site, you acknowledge and agree that we may notify you by email in the event of a breach of security involving your Personally Identifiable Information.

We urge you to keep your password in a safe place and not to divulge it to anyone. Also, remember to sign off your account and close your browser window when you have finished your visit. This is to ensure that others cannot access your account, especially if you are sharing a computer with someone else or are using a computer in a public place such as a library or an internet cafe.

7. Links to Third Party Sites, Services or Products

MyMerchRewards.com contains links to sites operated and maintained by third parties as well as links to products and services (including software) provided by third parties. MyMerchRewards.com has no control whatsoever over such third parties, their internet sites or their products or services. Privacy policies for such linked sites may be different from our privacy policy. You access such linked sites, services or products entirely at your own risk. You should always read the privacy policy for a linked site, service or product before disclosing any personal information on such site or in exchange for such product or service.

8. Policy Changes and Effective Date

If we decide to change our privacy policy in whole or in part, we will inform you by posting a notice on the Site. This privacy policy has been in effect since September 2000 and was last modified in January 2008.


SOCIAL NETWORKING SERVICE MEMBERSHIP AGREEMENT

MyMerchRewards.com offers a social networking service that allows Members to create personal profiles and meet and communicate with old and new friends online. This service, together with all of its pages, features, content, and applications as may be offered from time to time by MyMerchRewards.com, is referred to hereinafter as the "Social Networking Service" or the "Social Networking Site." The Social Networking Service is hosted in the U.S.

1. Acceptance. Use of the Social Networking Service is subject to the terms and conditions set forth in this Membership Agreement (this "Agreement"), which constitutes part of the Terms of Use that govern use of the entire MyMerchRewards.com website. By using the Social Networking Service, you expressly accept and agree to be legally bound by and comply with all of the terms and conditions of this Agreement, as well as all the other terms and conditions set forth in the Terms of Use and the Privacy Policy.

If you do not agree to this Agreement, please do not access or use the Social Networking Service. MyMerchRewards.com reserves the right, in its sole discretion, to update or revise this Agreement at any time. Therefore, please check back regularly for changes and updates. Your continued use of the Social Networking Service following the posting of any changes or updates to this Agreement constitutes your implied acceptance of such changes and updates.

2. Eligibility. Registration and membership with the Social Networking Service is void where prohibited. As a condition of your use of the Social Networking Service, you represent and warrant that: (a) you are either more than 18 years of age, or an emancipated minor, or possess legal parental or guardian consent, and are fully able and competent to understand, assent to, and enter into this Agreement, and to abide by and comply with this Agreement; (b) all registration information you submit is truthful and accurate and you will maintain the accuracy of such information; and (c) your use of the Social Networking Services does not violate any applicable law or regulation. In any case, no one under 13 years of age may use MyMerchRewards.com, the Social Networking Service, or any other service offered on MyMerchRewards.com. Your profile may be deleted and your membership may be terminated without warning if we have any reason to believe that you may be under the age of 13.

3. Invitations to Non-Members. Members may invite friends to join the Social Networking Service by sending invitation emails via MyMerchRewards.com's automated invitation system. MyMerchRewards.com stores the email addresses that Members provide so that the respondents may be added to the friend's list of the Member sending the invitations, and also to send reminders of the invitations. MyMerchRewards.com does not sell these email addresses or use them to send any other communication besides invitations and invitation reminders (up to three (3) per email address).

4. Non-Commercial Use Only. The Social Networking Service is for the personal use of Members only and may not be used in connection with any commercial activities, except those that are specifically endorsed or approved by MyMerchRewards.com. You may not: (a) advertise to or solicit any Member to buy or sell any products or services through the Social Networking Service; (b) transmit any chain letters or junk email to other Members; (c) use any personal information obtained from the Social Networking Site to contact, advertise to, solicit, or sell to any Member without their express prior consent; or (d) display an advertisement in your profile, or accept payment or anything of value from any person or entity in exchange for your performing any commercial activity on or through the Social Networking Site on behalf of that person or entity, such as placing commercial content in your profile, posting blogs or bulletins with a commercial purpose, selecting a profile with a commercial purpose as one of your "My Friends", or sending private messages with a commercial purpose. Commercial advertisements, promotions, and other forms of solicitation may be removed from Member profiles and postings without notice and may result in termination of membership privileges. In order to protect our Members from unauthorized advertising and solicitations, MyMerchRewards.com reserves the right to restrict the number of emails which a Member may send to other Members in any 24-hour period to a number which MyMerchRewards.com deems appropriate in its sole discretion. If you violate the foregoing and send unsolicited bulk email or other unsolicited communications of any kind through the Social Networking Service, you agree to pay and indemnify MyMerchRewards.com for any penalty or damages that may be imposed by applicable law for each such unsolicited email or other unsolicited communication you send through the Social Networking Service.

5. Copyright Policy. You may not post, display, perform, copy, reproduce, distribute, modify or otherwise use any copyrighted content (e.g., music, movies, videos, photographs, and software) belonging to others without permission or consent of the copyright owner. MyMerchRewards.com reserves the right to terminate membership privileges of any Member who intentionally or repeatedly infringes the copyrights of others. If you believe that your rights under U.S. copyright law have been infringed by anyone or anything on the Social Networking Site, or if a notice of copyright infringement has been filed against you and you believe you have received it in error, please click on Digital Millennium Copyright Act (which is incorporated herein by this reference) to view instructions on how to notify or reply to MyMerchRewards.com.

6. Illegal or Unauthorized Use Prohibited. Illegal or unauthorized use of the Social Networking Service is strictly prohibited. In addition to the prohibited activities described in Sections 4 and 5 above, listed below are examples of some other prohibited activities on the Social Networking Site, which are not meant to be, and should not be considered, complete or exhaustive:
o criminal or tortious activity, including child pornography, fraud, trafficking in obscene material, drug dealing, gambling, harassment, stalking, spamming, spimming, phishing, trolling, sending of viruses or other harmful files, identity theft, or misappropriation of others' trade secrets or confidential information;
o exchanging or sharing content that solicits, induces, promotes or enables infringement or violation of others' copyrights, trademarks, trade secrets, privacy, reputation, or other property, personal or proprietary rights, or violation of any law or regulation;
o covering or obscuring the banner advertisements on your personal profile page, or any Social Networking Site page via HTML/CSS or any other means;
o making any automated use of the Social Networking Service, such as using scripts to add friends or send comments or messages;
o interfering with, disrupting, or creating an undue burden on the Social Networking Site or the networks or services connected to the Social Networking Site;
o impersonating or attempting to impersonate, or misrepresenting affiliation, association or connection with, another Member or any other person or entity;
o using sexual imagery or any other unfair misleading or deceptive means to draw traffic to one's profile or posting;
o using the account, username, or password of another Member at any time or disclosing your password to any third party, or permitting any third party to access your account;
o selling or otherwise transferring your profile or account;
o using the Social Networking Service to harass, stalk, threaten, abuse, defame, or harm another person;
o using the Social Networking Service for advertising or other commercial purposes;
o using the Social Networking Service in a manner inconsistent with the Terms of Use, the Privacy Policy, this Agreement, or any applicable law or regulation.

7. Member Profiles and Postings. Please choose carefully what you post on the Social Networking Site and what you provide to or share with other Members. Member profiles and postings on the Social Networking Site may not include any of the following items:
o telephone numbers, street addresses, last names, social security numbers, credit card information, bank account information, or other Personally Identifiable Information;
o any content (or links thereto) that contains nudity, or obscene, lewd, excessively violent, harassing, sexually explicit or otherwise objectionable subject matter;
o any content (or links thereto) that promotes racism, bigotry, hatred or physical harm of any kind against any group or individual;
o any content (or links thereto) that solicits, induces, promotes or enables illegal, unlawful, or fraudulent activities;
o any content (or links thereto) that posts, displays, plays, copies, reproduces, distributes, or otherwise uses others' copyrighted material (e.g., music, movies, videos, photographs, or software) where no permission for such use has been obtained from the copyright owner;
o any content (or links thereto) that contains, posts, displays, plays, or distributes video, audio, photograph, or image of another person without his or her permission (or in the case of a minor, the minor's legal guardian);
o any content that impersonates, or otherwise misrepresents affiliation, connection or association with any person or entity;
o any content that contains viruses, time bombs, trojan horses, cancelbots, worms or other harmful, or disruptive creations, components or devices;
o any content (or links thereto) that promotes or solicits involvement in or support of a political platform, religion, cult, or sect;
o any commercial advertisements or promotions, or any offers to sell products or services;
o any other content that we believe, in our sole discretion, violates the Terms of Use, the Privacy Policy, or this Agreement.

Despite this prohibition, profiles and postings of other Members may contain offensive, sexual-oriented, or otherwise objectionable material and MyMerchRewards.com assumes no responsibility or liability for any such material or your exposure to such material. MyMerchRewards.com reserves the right, at any time and in its sole discretion, to reject, refuse to post, block access to, remove or delete any profile or posting (including private messages) made by you, or to restrict, suspend, or terminate your access to all or any part of the Social Networking Service, for any or no reason, with or without prior notice, and without liability. YOU ACKNOWLEDGE AND AGREE THAT ACCESS TO AND USE OF THE SOCIAL NETWORKING SERVICE IS A PRIVILEGE AND NOT A RIGHT.

8. Reporting Abuse. If you become aware of misuse of the Social Networking Service by any person, please contact abuse@correo.MyMerchRewards.com.

9. License to Member Content. MyMerchRewards.com does not claim ownership rights in any material, work, text, file, message, communication, video, audio, image, photo, or other item (collectively, "Content") that you create, post, and upload to the Social Networking Site. You retain all ownership rights in such Content. However, by posting Content on the Social Networking Site, you hereby grant to MyMerchRewards.com and its affiliates the rights and licenses to: (i) use, modify, copy, reproduce, publicly perform, publicly display, publish and distribute such Content on and through the Social Networking Service; (ii) make unlimited and unrestricted use, reproduction, broadcast, exhibition, display, performance, and distribution of such Content in any and all media now known or hereafter developed, including, without limitation, any and all forms of television now known or hereafter developed; and (ii) use, reproduce, publish, and otherwise exploit your name, likeness, image, photograph, voice, performance, and other elements of your appearance or persona only to the extent contained or embodied in such Content, and only as part of such Content (i.e., MyMerchRewards.com and its affiliates have no right to exploit any elements of your appearance or persona apart from such Content); in each case without notice, compensation, credit or attribution to you. Please note that, without the aforementioned licenses, MyMerchRewards.com would be unable to provide the Social Networking Service. For example, without the right to modify your Content, MyMerchRewards.com would not be able to digitally compress Content files you submitted or otherwise format Content to satisfy technical requirements, and without the right to publicly display or perform your Content, MyMerchRewards.com could not allow others to view, listen to or play Content submitted by you. All of the aforementioned licenses you grant to MyMerchRewards.com and its affiliates are non-exclusive (meaning you are free to license your Content to anyone else), fully-paid and royalty-free (meaning that MyMerchRewards.com and its affiliates are not required to pay you for any use of your Content as permitted under the licenses), sublicenseable (meaning that MyMerchRewards.com and its affiliates may authorize third parties to make permissible use of your Content), worldwide (because the Internet and the Social Networking Service are global in reach) and perpetual (meaning that all of the licenses will continue even if you remove your Content from the Social Networking Site). You represent and warrant that: (a) you own all Content posted by you on or through the Social Networking Service or otherwise have the right to license such Content to MyMerchRewards.com and its affiliates as set forth in this Section 9; and (b) no Content posted by you infringes or violates any person's or entity's copyright, trademark, trade secret, privacy, reputation, or other property, personal or proprietary right, or violate any applicable law. You agree to pay all royalties, fees, monies and compensation that may be owed to any person by reason of you posting any Content on or through the Social Networking Site.

10. No Responsibility for Member Content. MyMerchRewards.com assumes no responsibility for monitoring the Social Networking Site for inappropriate Content posted by Members. If at any time MyMerchRewards.com chooses, in its sole discretion, to monitor the Social Networking Site, MyMerchRewards.com nonetheless assumes (i) no responsibility for any Content posted by Members, (ii) no obligation to modify or remove any such Content, and (iii) no responsibility for the conduct of Members submitting such Content. You are solely responsible for all Content that you post on or through the Social Networking Site and/or transmit to other Members. Also, you are solely responsible for any and all communications, interactions, dealings, and disputes between you and other Members. MyMerchRewards.com does not endorse and has no control over any Content posted by Members. Content posted by Members is not necessarily reviewed or screened by MyMerchRewards.com prior to posting and is not necessarily monitored by MyMerchRewards.com after posting. Content posted by Members does not reflect the opinions or policies of MyMerchRewards.com. MyMerchRewards.com makes no warranties, express or implied, as to any Content posted by Members or to the accuracy or reliability of any such Content. MyMerchRewards.com reserves the right, at any time and in its sole discretion, but has no obligation, to remove, delete, block, disable or deny access to any Content posted by Members that in its sole judgment violates this Agreement, the Terms of Use, the Privacy Policy, or any applicable law, or may expose or subject MyMerchRewards.com to liability of any kind, or may adversely affect the reputation or goodwill of MyMerchRewards.com.

11. Privacy. Personal information that you disclose to MyMerchRewards.com in connection with registration with the Social Networking Service is governed by our Privacy Policy, which is incorporated herein by this reference. To view this policy, please click on Privacy Policy.

12. Disclaimers. MyMerchRewards.com is not responsible for any incorrect or inaccurate Content posted on the Social Networking Site or in connection with the Social Networking Service, whether caused by Members or by any equipment or programming associated with or utilized for the Social Networking Service. Profiles created and posted by Members may contain links to third party websites. MyMerchRewards.com is not responsible for the Content or opinions expressed on such websites, and such websites are in no way investigated, monitored or checked by MyMerchRewards.com. Inclusion of any linked website on the Social Networking Site does not imply approval or endorsement of the linked website by MyMerchRewards.com. When you access these third-party sites, you do so at your own risk. MyMerchRewards.com takes no responsibility for third party advertisements displayed on the Social Networking Site or through the Social Networking Service, nor does it take any responsibility for the goods or services provided by advertisers. MyMerchRewards.com is not responsible for the conduct of any Member, whether online or offline. MyMerchRewards.com assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, any Member communication, posting or profile. MyMerchRewards.com is not responsible for any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, software, failure of any email or players due to technical problems or traffic congestion on the Internet or on the Social Networking Site or combination thereof, including any injury or damage to Members or to any person's or entity's computer related to or resulting from using or downloading material from the Social Networking Site. Under no circumstances shall MyMerchRewards.com be responsible for any loss or damage, including personal injury or death, resulting from your use of the Social Networking Service, your participation in any Social Networking Site event, or from any Content posted on or through the Social Networking Site, or from the conduct of any Member, whether online or offline. The Social Networking Service is provided "AS IS" and "AS AVAILABLE", and MyMerchRewards.com expressly disclaims any warranty of fitness for a particular purpose or non-infringement. MyMerchRewards.com cannot guarantee and does not promise any specific results from use of the Social Networking Service. In addition, MyMerchRewards.com makes no representation or warranty that the Social Networking Service is appropriate or available for use in locations outside the United States of America. Accessing the Social Networking Service from territories in which such service is illegal is prohibited. You agree that if you choose to access the Social Networking Service from any locations outside the United States of America, you do so at your own risk and are solely responsible for compliance with local laws.

13. Limitation on Liability. IN NO EVENT SHALL MyMerchRewards.com BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, ARISING FROM YOUR USE OF THE SOCIAL NETWORKING SERVICE OR ANY CONTENT ON THE SOCIAL NETWORKING SITE, EVEN IF MyMerchRewards.com HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, MyMerchRewards.com'S LIABILITY TO YOU FOR ANY CLAIM OR CAUSE OF ACTION WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO MyMerchRewards.com FOR THE SOCIAL NETWORKING SERVICE DURING THE TERM OF YOUR MEMBERSHIP.

14. Indemnification. YOU AGREE TO DEFEND, INDEMNIFY AND HOLD MyMerchRewards.com, ITS PARENTS, SUBSIDIARIES AND AFFILIATES, AND THEIR RESPECTIVE AGENTS, REPRESENTATIVES, EMPLOYEES, OFFICERS, DIRECTORS, SHAREHOLDERS, MEMBERS, OWNERS, PARTNERS, LICENSORS, LICENSEES, SPONSORS, SUPPLIERS AND CONTRACTORS HARMLESS FROM AND AGAINST ANY AND ALL CLAIMS, CAUSES OF ACTION, DEMANDS, SUITS, PROCEEDINGS, JUDGMENTS, ORDERS, DAMAGES, LIABILITIES, LOSSES, COSTS AND EXPENSES (INCLUDING, WITHOUT LIMITATION, REASONABLE ATTORNEYS' FEES AND LEGAL COSTS) ARISING FROM OR IN CONNECTION WITH (A) YOUR USE OF, YOUR INABILITY TO USE, OR YOUR RELIANCE UPON THE SOCIAL NETWORKING SERVICE OR ANY CONTENT ON THE SOCIAL NETWORKING SITE; (B) ANY CONTENT POSTED BY YOU ON OR THROUGH THE SOCIAL NETWORKING SITE; OR (C) YOUR BREACH OF ANY OF YOUR REPRESENTATIONS, WARRANTIES, COVENANTS OR AGREEMENTS CONTAINED IN THIS AGREEMENT, OR YOUR VIOLATION OF ANY PROVISION OF THIS AGREEMENT. MyMerchRewards.com RESERVES THE RIGHT, AT ITS OWN COST, TO ASSUME THE EXCLUSIVE DEFENSE AND CONTROL OF ANY MATTER OTHERWISE SUBJECT TO INDEMNIFICATION BY YOU, IN WHICH EVENT YOU SHALL FULLY COOPERATE WITH MyMerchRewards.com IN ASSERTING ANY AVAILABLE DEFENSES.

15. Governing Law; Jurisdiction. You expressly acknowledge and agree that:

(a) The Social Networking Service shall be deemed solely based in the State of New Jersey, U.S.A.;

(b) The Social Networking Service shall be deemed a passive website that does not give rise to personal jurisdiction over the owner or operator of MyMerchRewards.com, either specific or general, in jurisdictions other than the State of New Jersey, U.S.A.;

(c) This Agreement shall be governed by and construed in accordance with the laws of the State of New Jersey, U.S.A., without regard to its conflict of laws principles; and

(d) Any dispute arising between you and MyMerchRewards.com concerning the Social Networking Service or any Content on the Social Networking Site, or concerning this Agreement, shall be decided exclusively by state and federal courts located in the County of Los Angeles, State of New Jersey, U.S.A.

16. Term. This Agreement shall remain in full force and effect for as long as you use the Social Networking Service or are a Member. You may terminate your membership at any time, for any reason, by following the instructions on the Member's Account Settings page. Also, MyMerchRewards.com may terminate your membership at any time, for any or no reason, with or without warning, and without any liability to you. YOU ACKNOWLEDGE AND AGREE THAT ACCESS TO AND USE OF THE SOCIAL NETWORKING SERVICE IS A PRIVILEGE AND NOT A RIGHT. Even after your membership is terminated, certain provisions of this Agreement shall remain in full force and effect, including, without limitation, Sections 9, 10, 12, 13, 14, 15, 16 and 18.

17. Fees. You acknowledge that MyMerchRewards.com reserves the right to charge a fee for use of the Social Networking Service from time to time in its discretion. If MyMerchRewards.com terminates your membership because you have breached or violated this Agreement, the Terms of Use, or the Privacy Policy, you shall not be entitled to the refund of any unused portion of subscription or membership fees.

18. Miscellaneous. This Agreement, together with the Terms of Use, the Privacy Policy, and all other legal notices referenced herein or therein, constitutes the entire agreement between you and MyMerchRewards.com concerning your use of the Social Networking Service. If any provision of this Agreement is deemed invalid by a court of competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, all of which shall remain in full force and effect. No waiver of any provision of this Agreement shall be deemed a further or continuing waiver of such provision or a waiver of any other provision, and MyMerchRewards.com's failure to assert any right or provision under this Agreement shall not constitute a waiver of such right or provision.