2. ELIGIBILITY.
The Site and any related services are available to you, provided that you can form legally binding agreements under applicable law. The Site is not available to minors. If you are a minor, please do not use the Site.

3. LICENSE.
Corporate Financial Wellness, LLC grants you a limited, non-exclusive, non-transferable, non-assignable, revocable license to view and temporarily download a copy of the materials displayed on the Site solely for your personal and non-commercial use for yourself or within your organization. All materials displayed or made available on the Site, including, but not limited to, graphics, documents, text, images, sound, video, audio, artwork, software, and HTML code are exclusive property of Corporate Financial Wellness, LLC or its content suppliers. The Materials are protected by U.S. and international copyright laws and any other applicable intellectual property rules, regulations, and laws. Except as expressly permitted herein, you shall not (i) use, copy, modify, display, delete, distribute, download, store, reproduce, transmit, publish, sell, re-sell, adapt, reverse engineer, or create derivative works of the Material, or (ii) use the Material on other web sites or any media, e.g., networking environment, without Corporate Financial Wellness, LLC's prior written consent.

All trademarks, service marks, and logos (the "Marks") displayed on the Site are exclusive property of Corporate Financial Wellness, LLC and their respective owners. You shall not use the Marks in any manner without Corporate Financial Wellness, LLC's and their respective owners' prior written consent.

4. USER SUBMISSIONS.
The Site provides a forum for you to obtain business management and training information. By submitting or entering your information to the Site ("Submitted Material"), you agree that you grant Corporate Financial Wellness, LLC a perpetual, non-exclusive, irrevocable, royalty free, worldwide license and right, but not the obligation, to use, copy, modify, display, distribute, download, store, reproduce, transmit, publish, transfer, adapt, create derivative works in any manner, in entirety or a portion of, of your Submitted Material, and by any means, forever and worldwide.

You acknowledge and accept that Corporate Financial Wellness, LLC is only a passive forum for users to obtain business management advice. Corporate Financial Wellness, LLC does not screen or monitor any Submitted Materials. Corporate Financial Wellness, LLC, therefore, makes no representation regarding the reliability, accuracy, completeness, validity, or truthfulness of any Submitted Materials. Corporate Financial Wellness, LLC reserves the right, in its sole discretion, to delete, remove, and refuse to display, or block any Submitted Materials that Corporate Financial Wellness, LLC considers to be unacceptable. In the event Corporate Financial Wellness, LLC receives notification regarding any unacceptable Submitted Materials, Corporate Financial Wellness, LLC may investigate such materials, in its sole discretion.

You acknowledge and agree that Corporate Financial Wellness, LLC may retain copies of your Submitted Materials and disclose your Submitted Materials to a third party if Corporate Financial Wellness, LLC believes that it is necessary to: (i) protect the integrity of the Site; (ii) protect rights of Corporate Financial Wellness, LLC; (iii) comply with any court order; (iv) comply with any legal proceedings; (v) assert Corporate Financial Wellness, LLC's claim under this Notice; and (vi) satisfy any claims regarding violations of third party's rights.

5. GENERAL PROHIBITION.
In connection with your Use, you agree NOT to:

	(a)	infringe any intellectual property and privacy rights, including, but not limited to, patent, copyright, trademark, or trade secrets, of any third party;
	(b)	upload, post, transmit, or store any material that:i. is unlawful, offensive, defamatory, fraudulent, deceptive, misleading, harmful, threatening, harassing, obscene, or objectionable; ii. breaches any of your contractual or confidentiality obligations; iii. disrupts or interferes with the normal operations of the Site, such as posting or transmitting viruses, continuous posting of repetitive materials, or posting abnormally large load; or iv. are not permitted by Corporate Financial Wellness, LLC, including, but not limited to, any unauthorized advertising materials, unsolicited promotional materials, "junk mail," "spam mail," "chain letters," pyramid schemes, franchises, distributorship, club membership, sales arrangement, or otherwise unacceptable materials;
	(c)	breach or attempt to breach any security measures of the Site;
	(d)	use any device, process, or mechanism to monitor, retrieve, search, or access, e.g., spider or robot, the Site or any Material without Corporate Financial Wellness, LLC's prior written consent;
	(e)	access or attempt to access any account or login of any third party listed on the Site;
	(f)	copy, modify, reproduce, delete, distribute, download, store, transmit, sell, re-sell, publish, reverse engineer, or create derivative works of any Materials, except for materials that have been submitted and owned by you;
	(g)	impersonate any person or entity;
	(h)	forge any header information in any electronic posting or mail; or
	(i)	misrepresent yourself, your affiliation with any third party, or your entity.

6. SPECIFIC USAGE AND RESPONSIBILITIES.
In addition to the general responsibilities listed in Section 5, you agree to comply with the following terms. You further agree to:

	(a)	use the Site only for lawful purposes in searching for business management and training information;
	(b)	post materials for which you have all the necessary rights or licenses;
	(c)	use your own judgment, caution, and common sense for information offered by or obtained from the Site; and
	(d)	bear the risks of any reliance or use of any Materials or any information provided by any third party.

7. LINKS TO THIRD PARTY.
The Site may have links, such as hyperlinks or buttons, directing access to third party's web sites ("Linked Sites"). The Linked Sites may not be controlled or monitored by Corporate Financial Wellness, LLC. Corporate Financial Wellness, LLC shall not be responsible for any materials, information, or content posted on the Linked Sites. The inclusion of the Linked Sites on the Site does not imply any relationship or association between Corporate Financial Wellness, LLC and the owner of the Linked Sites or any endorsement or sponsorship by Corporate Financial Wellness, LLC of the Linked Sites. Corporate Financial Wellness, LLC includes the Linked Sites solely for your convenience. You are solely responsible for your access of the Linked Sites. You shall use your own judgment, caution, and common sense in using the Linked Sites.

8. PRIVACY.
With your Use of the Site, Corporate Financial Wellness, LLC may collect your information. See Section 4 for more details regarding your submission. In addition to the potential disclosure of user-identifiable information, Corporate Financial Wellness, LLC may disclose aggregate information to a third party, such as general demographics and usage information about Users. Corporate Financial Wellness, LLC may use cookies to track your Use, including, but not limited to, registration, submissions, and information requests. Corporate Financial Wellness, LLC may also combine your information with other information available to Corporate Financial Wellness, LLC about you in order to improve future services and product offerings.

If you register with the Site, Corporate Financial Wellness, LLC may ask for your contact information, such as name and email address. You further agree and accept that Corporate Financial Wellness, LLC may, from time to time, send you automated email messages or marketing materials regarding its services. You may opt out of receiving such automated email messages by sending an email message to the Customer Service Help Desk listed below.

9. INDEMNIFICATION.

You agree to indemnity, defend, and hold Corporate Financial Wellness, LLC, subsidiaries, affiliates, officers, directors, agents, employees, harmless from any claims or demands of any third party, including, but not limited to, attorneys' fees and legal fees, resulting from or arising out of your Use of the Site, your Submitted Materials, or your violation of any terms and conditions of this Notice.

10. DISCLAIMER.
YOU ACKNOWLEDGE AND ACCEPT THAT: (A) YOU ASSUME ALL RISKS RELATED TO OR RESULTING FROM YOUR USAGE, VIEWING, OR ACCESS OF THE SITE. THE SITE IS PROVIDED ON AN "AS IS" AND AN "AS AVAILABLE" BASIS. (B) CORPORATE FINANCIAL WELLNESS, LLC EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR WARRANTIES ARISING FROM COURSE OF PERFORMANCE, COURSE OF DEALING OR USAGE. (C) CORPORATE FINANCIAL WELLNESS, LLC EXPRESSLY DISCLAIMS ALL WARRANTIES THAT (I) THE SITE AND ITS MATERIALS WILL BE ERROR-FREE OR VIRUS-FREE; (II) THE SITE WILL BE UNINTERRUPTED AND SECURE; (III) THE SITE WILL BE UNINTERRUPTED AND AVAILABLE AT ALL TIMES; (IV) THE SITE WILL MEET YOUR REQUIREMENTS; AND (V) THE RELIABILITY, ACCURACY, COMPLETENESS, VALIDITY, OR TRUTHFULNESS OF ANY SUBMITTED MATERIALS.

11. LIABILITY AND LIMITATIONS OF LIABILITY.
YOU AGREE TO ASSUME ALL RISKS ASSOCIATED WITH, ARISING OUT OF, OR RESULTING FROM YOUR USE OF THE SITE OR ANY SUBMITTED MATERIALS, INCLUDING, BUT NOT LIMITED TO, THE RISKS OF FINANCIAL LOSS, PHYSICAL HARM, PROPERTY DAMAGES, DEALING WITH OTHER USERS OF THE SITE, STRANGERS, MINORS, OR FOREIGN NATIONALS, AND PERSONS ACTING UNDER FALSE PRETENSE. YOU FURTHER AGREE TO RELEASE CORPORATE FINANCIAL WELLNESS, LLC, ITS PARENTS, SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS, AND EMPLOYEES, HARMLESS FROM ALL CLAIMS, DEMANDS, DAMAGES (DIRECT, INDIRECT, AND CONSEQUENTIAL) OF ANY KIND OR NATURE, KNOWN OR UNKNOWN, ASSOCIATED WITH, ARISING OUT OF, OR RESULTING FROM YOUR USAGE OF THE SITE, YOUR SUBMITTED MATERIALS, ANY TRANSACTIONS RELATED TO OR RESULTING FROM YOUR USE OF THE SITE.

YOU FURTHER UNDERSTAND AND AGREE THAT IN NO EVENT CORPORATE FINANCIAL WELLNESS, LLC, ITS SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS, EMPLOYEES, AND SUPPLIERS SHALL BE LIABLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL DAMAGES, OR DAMAGES FOR LOSS OF PROFITS, GOODWILL, REVENUE, DATA, OR USE, INCURRED BY YOU OR ANY THIRD PARTY, WHETHER IN AN ACTION IN CONTRACT, TORT, OR BREACH OR FAILURE OF WARRANTY, EVEN IF CORPORATE FINANCIAL WELLNESS, LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN THE EVENT SOME JURISDICTIONS PROHIBIT THE EXCLUSION OF CERTAIN WARRANTIES, THE LIMITATION OF LIABILITY, OR THE DISCLAIMER OF CERTAIN DAMAGES, CORPORATE FINANCIAL WELLNESS, LLC'S AGGREGATE LIABILITY FOR ANY DAMAGES SHALL NOT EXCEED U.S. $20.

12. TERMINATION.
Corporate Financial Wellness, LLC has the right, in its sole discretion, to terminate any services of the Site and remove any Materials from the Site. Corporate Financial Wellness, LLC may also terminate your access to any part or all of the services provided by Corporate Financial Wellness, LLC on the Site at any time, with or without cause or notice, for any reasons. If you want to terminate your account, you may only cease your Use of the Site. 13. GENERAL. You agree that there is no employment, partnership, agency, or joint venture relationship between you and Corporate Financial Wellness, LLC arising out of or resulting from your Use of the Site. This Notice constitutes the entire agreement between you and Corporate Financial Wellness, LLC governing your Use of the Site and is additional to any binding agreement between you and Corporate Financial Wellness, LLC. This Notice is governed by the laws of the State of New Jersey, United States of America, without giving effect to any principles of conflict of laws. Corporate Financial Wellness, LLC does not warrant that this Site will be lawful outside the United States. If you view, access, submit, or download materials to and from the Site outside the United States, you will be solely responsible for all your actions and assume all risks. You may not use or export any Materials or make any copy or adaptation in violation of any application laws, rules, or regulations, including, but not limited to, U.S. export laws and regulations. The failure or delay by either party to enforce the terms of this Notice shall not be deemed as a waiver of such term.

Last updated: October 24, 2003.

Customer Service Help Desk - If you need more information regarding the Site or this Notice, please contact:

Mailing Address

The Webmaster
Corporate Financial Wellness, LLC
26 Hill Road
Parsippany, New Jersey 07054

Email Address

customerservice@cfwp.com

Copyright 2003 Corporate Financial Wellness, LLC. All rights reserved.