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linkedFA is the social network for Financial & Insurance
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Please read the terms of use before joining. linkedFA TERMS OF SERVICE You Must Agree to these Terms of Service to Use linkedFA Products By accessing, downloading, using or registering for a linkedFA Product (defined below), you agree to these terms and conditions ("Terms of Service") and the linkedFA Privacy Policy. You agree to accept notices electronically. Each time you use a linkedFA Product, you reaffirm your acceptance of the then-current Terms of Service. If you do not wish to be bound by these Terms of Service, you may discontinue using the linkedFA Products. You cannot use or sign up for linkedFA Products until you have accepted these Terms of Service. If you do not wish to be bound by this Agreement, do not click the “JOIN” icon, and do not access, download use or register for any linkedFA Product. For purposes of these Terms of Service, the term "linkedFA Products" shall mean linkedFA software (whether preinstalled, on a medium or offered by download), linkedFA services, linkedFA websites (including, without limitation, linkedFA.com and linkedFA.co.uk) and all other software, features, newsletters, e-mails, tools, web sites and services provided by or through linkedFA and linkedFA's third-party vendors. ADDITIONAL TERMS & CONDITIONS FOR OTHER SERVICES OR PRODUCTS You agree and understand that certain linkedFA Products, features and other premium services offered by or through linkedFA (including services from linkedFA) may be subject to additional terms and conditions or registration requirements. You agree to abide by these additional terms and you further agree that a violation of those terms while you are accessing those products with your linkedFA sign-in or through an linkedFA Product shall constitute a breach of these Terms of Service. MODIFICATIONS TO THE TERMS OF SERVICE linkedFA may change the Terms of Service at any time and in its sole discretion. The modified Terms of Service will be effective immediately upon posting and you agree to the new posted Terms of Service by continuing your use of the linkedFA Products. linkedFA will provide at least 30-days' notice before any material changes take effect. If you do not agree with the modified Terms of Service, your only remedy is to discontinue using the linkedFA Products and cancel your registration. REQUIREMENTS FOR USE OR REGISTRATION OF LINKEDFA PRODUCTS You acknowledge that linkedFA Products are intended for general audiences. You represent and warrant that you have adequate legal capacity to enter into binding agreements such as these Terms of Service and to utilize the linkedFA Services on the devices on which you access linkedFA or have caused linkedFA Products to be installed. Some linkedFA Products may require the user to register and provide information to linkedFA, such as name, e-mail address, gender, date of birth, zip code (the "Registration Information"). If you register for any linkedFA Product, you agree to provide accurate and complete Registration Information and you agree to keep such information current. You will need a valid form of identification to use linkedFA Products, such as a valid email address or such other forms of user identification authorized by linkedFA (collectively, "Sign-in Name"). You may not (1) select or use a Sign-in Name of another person with the intention of impersonating that person, (2) use a Sign-in Name of anyone else without authorization, (3) use a Sign-in Name in violation of the intellectual property rights of any person or (4) use a Sign-in Name that linkedFA considers in its sole discretion as being inappropriate. You may be provided the opportunity to select and/or use a second name for public display when using the linkedFA Products (“Nickname”). You may not (1) select or use a Nickname of another person with the intention of impersonating that person, (2) use a Nickname of anyone else without authorization, (3) use a Nickname in violation of the intellectual property rights of any person or (4) use a Nickname that linkedFA considers in its sole discretion as being inappropriate. REGISTERED USER INFORMATION The linkedFA Privacy Policy explains how linkedFA collects and uses information and the choices you have with that information. You consent to linkedFA using your registration information and other information collected by linkedFA under the terms of the linkedFA Privacy Policy. By registering with or using linkedFA Products, you consent to the collection and use of your personal information and the transfer of this information to the United States or other countries for the processing and storage by linkedFA. Additionally, you agree that linkedFA may use the Screen Names, Nicknames or other similar technologies, to authenticate you on linkedFA, help store your registration and transaction-related information, and enable you to take advantage of offerings from linkedFA and its affiliated providers. YOUR RESPONSIBILITY You represent and warrant that you (a) are not under the age of 18; (b) have not previously been suspended or removed from linkedFA; (c) are not a direct competitor of linkedFA; (d) do not have more than one linkedFA account at any given time; and (e) that you have full power and authority to enter into this Agreement and in doing so will not violate any other agreement to which you are a party. You are responsible for all activity made by you or anyone you allow to use your linkedFA account and Screen Name, including your family or friends. You agree to keep confidential the passwords associated with your account. You agree to indemnify and hold harmless linkedFA for losses incurred by linkedFA or another party due to someone else using your account or password as a result of your failure to use reasonable care to keep your account information confidential or as a result of your failure to use reasonable care while using linkedFA Products. You are responsible for any materials you post or make available on or through the linkedFA Products, including message board posts, blogs, vlogs, chat participation and homepages. You are responsible for any materials you post or make available on or through the linkedFA Services and Products, including message board posts, chat participation and homepages. If you do not have a linkedFA account, i.e. are not registered to use the linkedFA Products, then linkedFA is, as between you and linkedFA, the owner of all copyright and data rights in any software or images, artwork, data, text, characters, images, music, other sounds, photographs, graphics, videos, messages, postings, or the like (collectively, “Content”) to the linkedFA site. You may not reproduce, distribute, publicly display or perform or prepare derivative works based on the Content without the express, written consent of linkedFA. linkedFA does not claim, by this statement, ownership rights in any Content posted by a party having a linkedFA account; only that as between you and linkedFA, linkedFA is the owner of all such rights. You agree to only view the Content, and not to post Content or distribute any part of the linkedFA Service or Content in any medium other than as permitted in these Terms of Service or by use of functions on the linkedFA Site provided by linkedFA. You agree not to alter or modify any part of any Content or the linkedFA Site or linkedFA Service, unless expressly permitted by us to do so. Registered members, i.e. those having a linkedFA account, may create derivative works and use the Content in accordance with the license and rights discussed below. You acknowledge that you are solely responsible for all Content and material you upload, post or otherwise transmit using the linkedFA Products. You represent that you have the legal right to copy, distribute and display all parts of any Content that you have uploaded, downloaded or otherwise copied and distributed and displayed. As such it is your responsibility not to upload, post or otherwise transmit any Content that is knowingly false, infringes any trade secret, copyright, trademark, patent or other intellectual property right or any moral right or artist’s right of any third party. You represent that you have a release from any and all models utilized to create the Content. linkedFA reserves the right to demand proof of any such release or rights associated with the Content for which you are responsible. linkedFA understands that some use, such as, selling or other use of the Content may occur outside of the linkedFA Site. As such transactions are beyond the control or knowledge of linkedFA, linkedFA has no responsibility, and shall not be required to enforce any such transaction which does not occur utilizing the linkedFA Products. Linking to the linkedFA.com homepage or to your Content on this site from another site, controlled by you, shall be permitted so long as the look and feel of the linkedFA Site as a whole, as protected by copyrights, trademarks, service marks and/or other proprietary rights under U.S. and international law, remains substantially unaltered. So long as no proprietary right notification is removed and you comply with this Terms of Use and Privacy Policy, linkedFA grants you nonexclusive, non-assignable, with no right to sublicense, the right to use the linkedFA trademarks solely for providing a hypertext link from your website to the linkedFA homepage or to the linkedFA page containing your Content. Linking your site to any other page on the linkedFA website is strictly prohibited. Deep linking to a page that is one or more layers beyond the homepage or your Content page is not allowed. You agree not to frame all or a portion of the linkedFA website unless you have obtained the prior written consent of MyFA Network, Inc. dba Linked FA (“MyFA” or “linkedFA”). You also agree not to interfere with the operation of the linkedFA Sites by hacking, loading any time bombs, viruses, worms, Trojan horses or any other software device which will interfere with the intended operation of the linkedFA Site. You also agree not to reverse engineer or copy, disassemble or distribute any software which provides the linkedFA Products. You confirm that you are aware that part of linkedFA’s products and services is the ability to identify and report parties for which you wish to bar further communication (‘Persons of Interest”) and report such Persons of Interest to third parties, including government agencies, brokerage houses, and employers. You assume all risk for making such identification and reports, including falsely or mistakenly identifying a person as a Person of Interest. You also confirm that you are aware that part of linkedFA’s products and services is the ability to prevent communication between your designated computers and any Person of Interest identified by others as being a third party to whom communication should be blocked. You assume all risk of relying on such notifications to block communications with such identified Person of Interest. COMMUNICATIONS You are responsible for obtaining your own Internet access, such as maintaining all telephone, computer hardware and other equipment needed for access to and use of the linkedFA Products, and all charges related thereto. PUBLIC NATURE linkedFA Products are public forums by design, and may include various forums, blogs, vlogs and chat rooms where you can post your observations and comments on designated topics. linkedFA cannot guarantee that other members, or the public at large, will not use the ideas and information that you share. Therefore, if you have an idea or information that you would like to keep confidential and/or don’t want others to use, do not post it on the linkedFA Products. LINKEDFA AND THE LINKEDFA VENDORS ARE NOT RESPONSIBLE FOR A MEMBER’S MISUSE OR MISAPPROPRIATION OF ANY CONTENT OR INFORMATION YOU POST IN ANY FORUMS, BLOGS, VLOGS AND CHAT ROOMS. Furthermore, you have no right of privacy in any Content you post, download, or use at the linkedFA site as it is shared with members you have invited or accepted into your network. If you make your blog public, all blog posts and comments thereto will be able to be viewed not only by linkedFA members who are not in your network, but also by the general public. YOU MAY USE THE LINKEDFA PRODUCTS FOR LAWFUL PURPOSES ONLY You may use linkedFA Products for lawful purposes only. You may not post on or transmit through community areas (e.g., message boards, chat, e-mail, calendars, instant messaging products) or other means any material that (1) violates or infringes in any way upon the rights of others, (2) is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane, indecent or otherwise objectionable, (3) encourages conduct that would constitute a criminal offense, (4) gives rise to civil liability, (5) violates any policies posted in any community areas, (6) violates any federal or state securities law or regulation in the jurisdiction from which you access the linkedFA Products, (7) otherwise violates any law. You also may not undertake any conduct that, in linkedFA's judgment, restricts or inhibits any other user from using or enjoying the linkedFA Products, or breaches any agreement to which you are a party. NO DUTY TO MONITOR linkedFA is not required to pre-screen Content available on the linkedFA Products, including the content of any messaging that occurs on or through the linkedFA service, although linkedFA reserves the right to do so in its sole discretion. linkedFA is not liable for Content that is provided by others. linkedFA reserves the right to remove Content that, in its sole judgment, does not meet its standards or does not comply with these Terms of Service, but linkedFA is not responsible for any failure or delay in removing such material. CHANGES TO THE SERVICE linkedFA has the right at any time to change, modify, add to or discontinue or retire any aspect or feature of the linkedFA Products including, but not limited to, the software, Content, hours of availability, equipment needed for access or use, the maximum disk space that will be allotted on linkedFA servers on your behalf either cumulatively or for any particular service or the availability of linkedFA Products on any particular device or communications service. linkedFA has no obligation to provide you with notice of any such changes. However, linkedFA will provide Compliance-related data for a minimum of six years from the date of the last posting. YOUR LICENSE TO LINKEDFA As a registered member, you are entitled to upload Content to the linkedFA site. You shall remain the owner of all rights, including copyright and trademark rights in the Content, and enforcement of such rights shall be your sole responsibility in accordance with linkedFA policies found at Enforcement at inkedFA.com. linkedFA License to You linkedFA and its vendors grant you a personal, non-exclusive, non-transferable limited license to access the software and services provided by linkedFA (including all software and services provided by a third-party vendor for linkedFA) in object code form only on any computer or device from which you wish to access the linkedFA service and all other linkedFA Products ("Software") and to use the Software for the sole and exclusive purposes of connecting to and using the linkedFA Products in accordance with these Terms of Service. You may not sub-license, or charge others to use or access the Software without first obtaining written permission from linkedFA. linkedFA occasionally will provide automatic upgrades to improve your online experience, although these upgrades may not be consistent across all platform and devices. You agree to accept and to take no action to interfere with such automatic upgrades, scanning, and related services. You may not sell, assign, grant a security interest in or otherwise transfer any right in the Software or incorporate it (or any portion of it) into another product. You may not copy the Software. You may not translate, reverse-engineer or reverse-compile or decompile, disassemble, make derivative works from, or otherwise attempt to discover any source code in the Software. You may not modify the Software or use it in any way not expressly authorized by these Terms of Service. You may not obtain the communications protocol for accessing the linkedFA service, the linkedFA Products, or any other linkedFA services. Finally, you may not authorize or assist any third party to do any of the things described in this paragraph. You understand that linkedFA's introduction of various technologies may not be consistent across all platforms and that the performance and features offered by linkedFA may vary depending on your computer and other equipment. RESTRICTIONS ON ACCESS TO OR USE OF LINKEDFA PRODUCTS You may access linkedFA Products only through the interfaces and protocols provided or authorized by linkedFA. You agree that you will not access linkedFA Products through unauthorized means, such as unlicensed software clients, and that you will only use linkedFA Products in conjunction with linkedFA authorized products and components. U.S. GOVERNMENT END USERS The Software is a "commercial item," as that term is defined in 48 C.F.R. 2.101, consisting of "commercial computer software" and "commercial computer software documentation," as such terms are used in 48 C.F.R. 12.212. Consistent with 48 C.F.R. 12.212 and 48 C.F.R. 227.7202-1 through 227.7202-4, all U.S. Government end users acquire the Software with only those rights set forth herein. EXPORT CONTROL You agree to comply with all export and import laws and restrictions and regulations of the United States or any foreign agency or authority, and not to export, re-export or import the Software or any direct product thereof in violation of any such restrictions, laws or regulations, or without all necessary approvals. For example, you may not export or re-export any commodities, software, or technical data received from linkedFA, or any direct product of such commodities, software or technical data, to any proscribed country, party, or entity listed in the applicable laws, regulations, and rules of the U.S. Government unless properly authorized. As applicable, each party shall obtain and bear all expenses and responsibility relating to any necessary licenses and/or exemptions with respect to its own export or re-export of the Software from the U.S. NO SUPPORT BY LINKEDFA You understand that your use of the Software is at your own risk and that linkedFA provides no assistance other than the information posted on the linkedFA Web site located at http://www.linkedFA.com. linkedFA is under no obligation to provide you with any error corrections, updates, upgrades, bug fixes and/or enhancements of the Software. THIRD-PARTY SERVICES Third parties may offer from time to time applications or services to access linkedFA services and linkedFA Products. Your use of such third-party applications will be at your own risk and subject to the terms and conditions of those third-parties. linkedFA does not represent and warrant that access and use of linkedFA Products through these third-party applications will be compatible, uninterrupted, error free, without defects or that you will be able to access the linkedFA Products at all times and locations of your choosing. You also agree that linkedFA is under no obligation to provide you with any error corrections, updates, upgrade, fixes and/or enhancements to make linkedFA Products accessible through these third-party applications. NO ENDORSEMENT linkedFA Products may contain links to other web sites, resources and advertisers. linkedFA is not responsible for the availability of these external sites nor does it endorse, or is it responsible for, the aesthetics, appeal, suitability to taste or subjective quality of informational content, advertising, products or other materials made available on or through such external sites. Under no circumstances shall linkedFA or any of the affiliated providers be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused to you in connection with the use of or reliance on any content, goods or services available on such external sites. You should direct any concerns to such external sites' administrator or Webmaster. DISCLAIMER OF WARRANTY; LIMITATION OF LIABILITY DISCLAIMER OF WARRANTIES. YOUR USE OF THE LINKEDFA PRODUCTS AND SOFTWARE IS AT YOUR SOLE RISK. THE LINKEDFA PRODUCTS AND SOFTWARE ARE PROVIDED "AS IS," "WITH ALL FAULTS" AND "AS AVAILABLE" FOR YOUR USE, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, UNLESS SUCH WARRANTIES ARE LEGALLY INCAPABLE OF EXCLUSION. SPECIFICALLY, LINKEDFA AND ITS VENDORS DISCLAIM IMPLIED WARRANTIES THAT THE LINKEDFA PRODUCTS AND SOFTWARE ARE MERCHANTABLE, OF SATISFACTORY QUALITY, ACCURATE, FIT FOR A PARTICULAR PURPOSE OR NEED, OR ARE NON-INFRINGING. LINKEDFA AND ITS VENDORS DO NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE LINKEDFA PRODUCTS AND SOFTWARE WILL MEET YOUR REQUIREMENTS OR THAT THE OPERATION OF THE LINKEDFA PRODUCTS AND SOFTWARE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS IN THE LINKEDFA PRODUCTS AND SOFTWARE WILL BE CORRECTED. LINKEDFA AND ITS VENDORS DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE LINKEDFA PRODUCTS, SOFTWARE OR RELATED DOCUMENTATION IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY OR OTHERWISE. LINKEDFA PROVIDES THE LINKEDFA PRODUCTS AND SOFTWARE ON A COMMERCIALLY REASONABLE BASIS AND DOES NOT GUARANTEE THAT USERS WILL BE ABLE TO ACCESS OR USE THE LINKEDFA PRODUCTS AT TIMES OR LOCATIONS OF THEIR CHOOSING, OR THAT LINKEDFA WILL HAVE ADEQUATE CAPACITY FOR THE LINKEDFA PRODUCTS AS A WHOLE. LIMITATION OF LIABILITY. LINKEDFA'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY WITH RESPECT TO ANY DISPUTE WITH LINKEDFA (INCLUDING WITHOUT LIMITATION YOUR USE OF THE SOFTWARE OR LINKEDFA PRODUCTS) IS TO DISCONTINUE YOUR USE OF THE LINKEDFA PRODUCTS AND SOFTWARE. LINKEDFA AND ITS VENDORS SHALL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGE ARISING FROM YOUR USE OF THE LINKEDFA PRODUCTS, SOFTWARE OR FOR ANY OTHER LINKEDFA RELATED IN ANY WAY TO YOUR USE OR REGISTRATION WITH LINKEDFA PRODUCTS AND SOFTWARE. THESE EXCLUSIONS FOR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES INCLUDE, WITHOUT LIMITATION, DAMAGES FOR LOST PROFITS, LOST DATA, DATA ACCURACY, LOSS OF GOODWILL, WORK STOPPAGE, COMPUTER FAILURE OR MALFUNCTION, OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, EVEN IF LINKEDFA HAD BEEN ADVISED OF THE POSSIBILITY THEREOF AND REGARDLESS OF THE LEGAL OR EQUITABLE THEORY UPON WHICH THE CLAIM IS BASED. BECAUSE SOME STATES OR JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES OR JURISDICTIONS, LINKEDFA AND ITS VENDORS' LIABILITY IN SUCH STATE OR JURISDICTION SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW. LINKEDFA DOES NOT ENDORSE, WARRANT OR GUARANTEE ANY PRODUCT OR SERVICE OFFERED THROUGH LINKEDFA PRODUCTS AND WILL NOT BE A PARTY TO OR IN ANY WAY BE RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES. INDEMNIFICATION You agree to defend, indemnify and hold harmless linkedFA, its vendors, and their respective directors, officers, employees and agents from and against all claims and expenses, including attorneys' fees, arising out of your use of the linkedFA Products, particularly, any liability that arises from “pumping and dumping”, fraudulently or falsely providing advice or opinions regarding financial products and services, or making any statement known by you to be false at the time made or contrary to statements being made by you to others at the same time. linkedFA reserves the right, at its own expense and in its sole discretion, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. In that event, and only in such event, shall you have no further obligation to provide indemnification for linkedFA in that matter. ENFORCEMENT A. If you are a intellectual property rights owner or an agent thereof and believe that any user submission or other Content infringes upon your rights, you may submit a notification pursuant by providing our Enforcement Agent with the following information in writing (see 17 U.S.C 512 for further detail): - A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; - Identification of the work claimed to have been infringed, or, if multiple works at a single online site are covered by a single notification, a representative list of such works at that site; - Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit linkedFA to locate the material; - Information reasonably sufficient to permit linkedFA to contact you, such as an address, telephone number, and, if available, an electronic mail; ? A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the rights owner, its agent, or the law; and - A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. linkedFA’s designated Enforcement Agent to receive notifications of claimed infringement is: e-mail: enforcement@linkedFA.org, fax: 1-954-944-0056 to attention of “linkedFA enforcement agent”. For clarity, only infringement notices should go to the Enforcement Agent; any other feedback, comments, requests for technical support, and other communications should be directed to linkedFA’s customer service through linkedFA.com. You acknowledge that if you fail to comply with all of the requirements of this policy, your notice may not be valid. B. Counter-Notice. If you believe that your Content that was removed (or to which access was disabled) is not infringing, or that you have the authorization from the rights owner, the agent, or pursuant to the law, to post and use the Content, you may send a counter-notice containing the following information to the Enforcement Agent: - Your physical or electronic signature; - Identification of the content that has been removed or to which access has been disabled and the location at which the content appeared before it was removed or disabled; - A statement that you have a good faith belief that the content was removed or disabled as a result of mistake or a misidentification of the content; and - Your name, address, telephone number, and e-mail address, a statement that you consent to the jurisdiction of the federal court in New York, New York, and a statement that you will accept service of process from the person who provided notification of the alleged infringement. If a counter-notice is received by the Enforcement Agent, linkedFA may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed content or cease disabling it in 10 business days. Unless the rights owner files an action seeking a court order against the Content provider, member or user, the removed Content may be replaced, or access to it restored, in 10 to 14 business days or more after receipt of the counter-notice, at linkedFA’s sole discretion. TERMINATION linkedFA has the right to terminate your Sign-in Name, your Nickname, your registration, the Software license or your access to linkedFA Products for any reason, including, without limitation, if it, in its sole discretion, considers your use to be unacceptable, or in the event of any breach by you of the Terms of Service (either directly or through breach of any other terms and conditions or operating rules applicable to you). linkedFA may, but shall be under no obligation to, provide you a warning prior to termination of your TRADEMARKS All trademarks appearing on the linkedFA Products are the property of their respective owners. TRIAL OFFER linkedFA may from time to time give you the opportunity to purchase or subscribe to products and premium services on linkedFA (collectively, "Premium Services"). You agree that your purchase or subscription of any Premium Service will be subject to additional terms and conditions that will supplement this agreement. Any trial promotion (such as free trial time or trial access to a Premium Service) must be used within the specified time of the trial. You must cancel your account before the end of the trial period to avoid being charged a membership fee. Please note, however, that even during any free trial or other promotion, you will still be responsible for any purchases and surcharges incurred using your account and that you remain responsible for any telecommunications charges or internet access charges that you may incur while you use a Premium Service. YOUR PAYMENT RESPONSIBILITIES You must select a payment method to pay for your fees for any Premium Service and for all purchases made from linkedFA Products. You must give linkedFA accurate billing and payment information and keep this information up-to-date through the "My Account" area on linkedFA site. You agree to pay linkedFA for all charges incurred under your account, including all applicable taxes, fees and surcharges. You authorize linkedFA to charge your designated payment method for these charges. If linkedFA does not receive payment from your designated payment method, you agree to pay all amounts due upon demand by linkedFA or its operators. Every time you use an linkedFA Product, you reaffirm that (i) linkedFA (or its designated vendor acting as linkedFA's billing agent) is authorized to charge your designated payment method; (ii) linkedFA may submit charges incurred under your account for payment; and (iii) you will be responsible for such charges, even if your membership is canceled or terminated. You are responsible for all charges incurred under your account, including applicable taxes, fees, surcharges and purchases made by you or anyone on your account. You must notify linkedFA's customer service about any billing problems or discrepancies within 90 days after they first appear on your Account statement. If you do not bring them to linkedFA's attention within 90 days, you agree that you waive your right to dispute such problems or discrepancies. SUBSCRIPTION PLANS Fees charged for subscription plans are nonrefundable and due in advance unless provided otherwise in your subscription plan. Under most monthly plans, your payment method will be charged automatically every month until such time that you cancel your subscription or linkedFA otherwise terminates your subscription. Also, under most subscription plans, linkedFA will automatically renew your subscription and charge your payment method until such time that you cancel your subscription or linkedFA otherwise terminates your subscription. ELECTRONIC DELIVERY POLICY linkedFA, as an online business, transacts with its users electronically. WHEN YOU SIGN UP FOR ANY LINKEDFA PRODUCT, YOU CONSENT TO RECEIVE ELECTRONICALLY FROM LINKEDFA ANY PRIVACY OR OTHER NOTICES, AGREEMENTS, DISCLOSURES, REPORTS, DOCUMENTS, COMMUNICATIONS, OR OTHER RECORDS (COLLECTIVELY, "NOTICES"). You agree that linkedFA generally can send you electronic Notices in either or both of the following ways: (1) to the e-mail address that you provided to linkedFA during registration or (2) linkedFA may post Notices on a welcoming screen or top page of the relevant linkedFA Product. You agree that certain premium services may also have their own Notice procedures. You must check your designated e-mail address regularly for Notices. You must have a personal computer with a modem connected to a communications source (telephone, wireless or broadband), a Windows-based operating system with an Internet browser or a Macintosh-based operating system with an Internet browser and Internet e-mail software in order to access electronic communications. You will need a printer attached to your personal computer to print any Notices. You can retrieve an electronic copy and a printable version of the Terms of Service by clicking on the "Terms of Service" link on the home page of linkedFA.com. The delivery of any Notice from linkedFA is effective when sent by linkedFA, regardless of whether you read the Notice when you receive it or whether you actually receive the delivery. Your only method of withdrawing consent to receive Notices electronically is to terminate any subscriptions, services or other products provided under these Terms of Service. MISCELLANEOUS A. The provisions of these Terms of Service addressing disclaimers of representations and warranties, limitation of liability, indemnity obligations, intellectual property, Premium Services and governing law shall survive the termination of these Terms of Service, your Premium Services and your registration with the linkedFA Products. B. These Terms of Service and any operating rules for any areas of functionality of the linkedFA Products established by linkedFA constitute the entire agreement between linkedFA and you regarding the subject matter of these Terms of Service, and supersede all previous written or oral agreements. In the event of any inconsistency between these Terms of Service and any such other terms of use or operating rules of a specific linkedFA Product, these Terms of Service will supersede such other terms of service or operating rules. The Terms of Service shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of laws rules. You expressly agree that the exclusive, personal and subject matter jurisdiction for any claim or dispute under the Terms of Service and or your use of the linkedFA Products resides in the Federal and state courts located in the State of Florida, County of Miami-Dade, and you further expressly agree to submit to the personal jurisdiction of such courts for the purpose of litigating any such claim or action. The foregoing provision may not apply to you depending on the laws of your jurisdiction. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. The section headings used herein are for convenience only and shall not be given any legal import. Last updated February 10, 2010 By checking this box, I am stating that I have read and understand the terms of use of this site.

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