Acceptance of Terms

The following are terms of a legal agreement between you and Debt Wise Solutions Inc., (Debt Wise Solutions). By accessing, browsing and/or using this web site located at www.debtwisesolutions.com you acknowledge that you have read, understood, and agree, to be bound by these terms and to comply with all applicable laws and regulations, including U.S. export and re-export control laws and regulations. If you do not agree to these terms, do not use this Debt Wise Solutions Site. In using the Debt Wise Solutions Site, you represent and warrant that you are at least 18 years of age and have any and all permissions necessary to enter into and be bound by this agreement.

Use Restrictions

The material provided on this Debt Wise Solutions Site is protected by law, including, but not limited to, United States copyright law and international treaties. The copyright in all material provided on this Debt Wise Solutions Site is held by Debt Wise Solutions Inc., or its respective manufacturers, authors, developers and vendors (“the Third Party Providers”). Except as stated herein, none of the material may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of Debt Wise Solutions Inc., or the copyright owner. Permission is granted to display and download the materials on this Debt Wise Solutions Site for personal, non-commercial use only, provided you do not modify the materials and that you retain all copyright and other proprietary notices contained in the materials. This permission terminates automatically if you breach any of these terms or conditions. Upon termination, you must immediately destroy any downloaded and printed materials. You also may not, without Debt Wise Solutions Inc’s., permission, “mirror” any material contained on this Debt Wise Solutions Site on any other server. You acknowledge that nothing on this Debt Wise Solutions Site shall be construed as conferring any license to you from Debt Wise Solutions Inc., or affiliates or any Third Party Provider’s intellectual property rights, whether by estoppels, implication, or otherwise, and agree that you have sole responsibility for obtaining such licenses by separate written agreement. Any unauthorized use of any material contained on this Debt Wise Solutions Site may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

Material Use Restrictions

You acknowledge that any material and related documentation that may be available to download from the Debt Wise Solutions Site (the “Material”) is copyrighted work of Debt Wise Solutions Inc. You agree that use of the Material is governed by the terms of the copyright notice which accompanies or is included with the Material. Except as set forth in the applicable notice, any further copying, reproduction or redistribution of the Material is expressly prohibited. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, EXCEPT AS SET FORTH IN THE NOTICE, THE MATERIAL IS PROVIDED TO YOU ON AN “AS-IS” AND “WHERE-IS” BASIS, AND ALL CONDITIONS, REPRESENTATIONS AND WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR PARTICULAR PURPOSE, OR NON-INFRINGEMNET OF THIRD PARTY RIGHTS, ARE DISCLAIMED.

Debt Wise Solutions Privacy Policy

Your use of the debt Wise Solutions Site is subject to Debt Wise Solutions Privacy Policy. For information on Debt Wise Solutions privacy practices, please see the Privacy Policy. If you are a non-U.S. user of the Debt Wise Solutions Site, your use of the Debt Wise Solutions Site may be subject to additional policies or restrictions including those relating to privacy which are expressly incorporated into this agreement with you.

Submission of Unsolicited Ideas and Information

It is Debt Wise Solutions standard corporate practice that confidential or proprietary information from you not be submitted through this Debt Wise Solutions Site or by email. If you transmit such information in contravention of Debt Wise Solutions standard corporate practice, any material, information or idea you transmit to Debt Wise Solutions by any means will be treated as non-confidential and non-proprietary, and may be disseminated or used by Debt Wise Solutions or its affiliates, without compensation to you for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products, unless otherwise agreed in writing by an authorized Debt Wise Solutions representative.

Submission of Personal Information

All personal data information provided to Debt Wise Solutions through this Debt Wise Solutions Site or by email, such as information necessary to complete purchases of Debt Wise Solutions products, will be handled in accordance with Debt Wise Solutions Privacy Policy.

Access from Outside the United States

This Debt Wise Solutions Site is controlled and operated by Debt Wise Solutions Inc., from its offices within the United States. Debt Wise Solutions makes no representation that materials in the Debt Wise Solutions Site are appropriate or available for use in other locations, and access to them from territories where their contents are illegal is prohibited. Those who choose to access this Debt Wise Solutions Site from other locations do so on their own initiative and are responsible for compliance with applicable local laws. If you use this Debt Wise Solutions Site from other locations, you are responsible for compliance with applicable local laws including but not limited to the export and import regulations of other countries. You acknowledge and agree that the content of the Debt Wise Solutions Site or other materials available through this Debt Wise Solutions Site (the “Materials”) may be subject to the U.S. Export Administration Laws and Regulations, as well as export laws of other countries, and that diversions of such Materials contrary to U.S. law or the law of other applicable countries is prohibited. You agree that none of the Materials, nor any direct product, is being or will be acquired for, shipped, transferred, or re-exported, directly or indirectly, to proscribed or embargoed countries or their nationals, nor be used for nuclear activities, chemical biological weapons, or missile projects, unless specifically authorized by the U.S. Government (or other relevant government) for such purposes. You agree to comply strictly with all export laws and assume sole responsibility for obtaining licenses to export or re-export as may be required.

Links to Third Party Sites and Co-Branded Sites

The Debt Wise Solutions Site may contain links to third-party sites, however, please be aware that Debt Wise Solutions is not responsible for and cannot control these other sites. The Debt Wise Solutions Site may also contain links to co-branded web sites that are maintained by third parties by agreement with Debt Wise Solutions. Debt Wise Solutions makes no representations whatsoever about any other web site which you may access through the Debt Wise Solutions Site. When you access a non-Debt Wise Solutions web site, even one that it is independent from Debt Wise Solutions, and that Debt Wise Solutions may have no control over the content on that web site. In addition, a link to a non-Debt Wise Solutions web site does not mean that Debt Wise Solutions endorses or accepts any responsibility for the content, or the use, of such web site. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses, worms, Trojan-horses and other items of a destructive nature.

Notice of Availability of Filtering Software

All users are hereby informed by the provider of this interactive computer service that parental control protections such as (computer hardware, software, or filtering services) are commercially available that may assist in limiting access to material that is harmful or inappropriate for minors. A report detailing some of those protections can be found at https://www.ntia.doc.gov/ntiahome/ntiageneral/cipa2003/index.html (Children’s Internet protection Act: Report on the Effectiveness of Internet Protection Measures and Safety Policies).

Notice: No Harvesting or Dictionary Attacks Allowed

Debt Wise Solutions, Inc. (DebtWiseSolutions.com) will not give, sell, or otherwise transfer addresses maintained by Debt Wise Solutions to any other party for the purposes of initiating, or enabling others to initiate, electronic mail messages except as authorized by appropriate Debt Wise Solutions personnel or polices. Except for parties authorized to have addresses maintained by Debt Wise Solutions, persons may violate Federal Law if they: (1) Initiate the transmission to Debt Wise Solutions computers or devices of a commercial electronic mail message (as defined in the U.S. “Can-Spam Act of 2003”) that does not meet the message transmission requirements of that act; or (2) assist in the organization of such messages through the provision or selection of addresses to which the messages will be transmitted.

Notice Regarding Trademarks

The trademarks Debt Wise Solutions, Inc., debtwisesolutions.com, The Debt Wise Nations, debtwisenation.com and or thedebtwisenation.com, and all other trademarks listed below or used in the Site are owned or used under license by Debt Wise Solutions, Inc., DebtWiseSolutions.com and its affiliates. The names of third parties and their products mentioned may be their trademarks. You may not use any of the above or other trademarks displayed on this Site or in any Site content. All rights are reserved.

Notice Regarding Copyright Ownership: © 2006 – 2015 Debt Wise Solutions, Inc. U.S.A. All rights reserved

All content on the Site is subject to intellectual property rights, contractual or other protection. The intellectual property rights are owned by us or our licensors. No content may be copied, distributed, republished, uploaded, posted or transmitted in any way except as provided expressly in the Terms or with our prior express written consent. Modification or use of the materials for any other purpose may violate intellectual property rights.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DEBT WISE SOLUTIONS SHALL NOT BE LIABLE FOR ANY DAMAGES SUFFERED AS A RESULT OF USING, MODIFYING, CONTRIBUTING, COPYING, DISTRIBUTING, OR DOWNLOADING THE MATERIALS. IN NO EVENT SHALL DEBT WISE SOLUTIONS BE LIABLE FOR ANY INDIRECT, EXTRAORDINARY, EXEMPLARY, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES (INCLUDING LOSS OF DATA, REVENUE, PROFITS, USE OR OTHER ECONOMIC ADVANTAGE) HOWEVER ARISING, WHETHER FOR BREACH OR IN TORT, EVEN IF DEBT WISE SOLUTIONS HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. YOU AGREE THAT YOU HAVE SOLE RESPONSIBILITY FOR ADEQUATE PROTECTION AND BACKUP OF DATA AND/OR EQUIPMENT USED IN CONNECTION WITH THE SITE AND WILL NOT MAKE A CLAIM OF ANY NATURE AGAINST DEBT WISE SOLUTIONS FOR LOSS OF DATA, INACCURATE OUTPUT, WORK DELAYS, DAMAGE TO ANY EQUIPMENT, OR LOSS OF PROFITS OR MONIES RESULTING FROM THE USE OF THE MATERIALS. YOU AGREE TO HOLD DEBT WISE SOLUTIONS ENTIRELY HARMLESS FROM, AND YOU COVENANT NOT TO SUE DEBT WISE SOLUTIONS, OR ITS AFFILIATES, SUCCESSORS OR ASSIGNS, FOR, ANY CLAIMS RELATED TO THE DEBT WISE SOLUTIONS SITE. 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.

Disclaimer

ALL INFORMATION IS PROVIDED BY DEBT WISE SOLUTIONS ON AN “AS-IS” AND “AS AVAILABLE” BASIS ONLY. DEBT WISE SOLUTIONS PROVIDES NO REPRESENTATIONS AND WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY AND NONFRINGEMENT.

United States Government Restricted Rights

The materials on this Debt Wise Solutions Site are provided with “RESTRICTED RIGHTS.” Use, duplication, or disclosure by the U.S. Government is subject to restrictions as set forth in applicable laws and regulations. Use of the materials by the U.S. Government constitutes acknowledgement of Debt Wise Solutions proprietary rights in them.

Choice of Law

Any claim relating to, and the use of, this Debt Wise Solutions Site and the materials contained herein is governed by the laws of the State of California without regard to conflicts of laws principles. You agree to submit to the exclusive jurisdiction of the state courts located in Tulare County, California, and the jurisdictions of the federal courts located in Fresno County, California, for the resolution any and all disputes arising out of or relating to your use of the products and materials, or use of the Debt Wise Solutions Site. You further agree and covenant not to bring suit in any other jurisdiction.

Revisions

Debt Wise Solutions may at time revise these Terms of Use by updating this posting. By using this Debt Wise Solutions Site, you agree to be bound by any such revisions and should therefore periodically visit this page to determine the then-current Terms of Use to which you are bound.