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CAREFULLY READ. By accessing or using this site, you are deemed to have read, understand and agree to be bound by ("Visitor(s)") or a registered member
("Member(s)") (Visitors and Members shall collectively be referred to as, "User(s)"). In addition, when using particular forums, you will be required to abide by posted
house rules or guidelines applicable to any such forums ("House Rules"). The House Rules are hereby incorporated by reference into the Terms of Use.

Scope of Terms of Use

The Terms of Use apply to your use of PrivateOfficer.com (the "Site"), which is owned and operated by Private Officer International, Inc. and/or its affiliated companies
and related entities, including companies owned and/or controlled by POI (collectively," "we," "us" or "our").

We reserve the right, at our sole discretion, to modify the Terms of Use at any time. We shall have no obligation to notify the Users of any such changes other then
posting such modifications on the Site and indicating the date of last revision on the Terms of Use. It is your responsibility to check these Terms of Use periodically to
review any such changes. Upon each visit to the Site, you agree to be bound by the then-current Terms of Use. If you do not to accept these Terms of Use, please do
not use or access (or continue to use or access) the Site.

User Requirements

You must be at least 18 years old in order to participate on our Site, and we will not knowingly collect personally identifiable information from anyone under the age of
18. However, if you are under the age of 18 and have obtained the consent of your parent or legal guardian, you may view the Site as a Visitor only. Further, you may
not make use of the Site if such use violates any applicable law or regulation. You agree to abide by these restrictions and not to help anyone avoid these restrictions.

User Registration

If you access the Site as a Visitor, you will not be required to provide personally identifiable information. However, in order to access message boards, blogs, POI
groups, chat rooms, workbooks and user review forums, such as comments or other interactive services, including both public boards and private folders on the Site
(collectively, "Forums"), you will be required to register as an PrivateOfficer.com Member, to create a Member account ("Account") and to provide specific information. If
registering as a Member, you also agree to:
i.Provide true, accurate and current information about yourself (you may not use any aliases or other means to mask your true identity) as prompted by any registration
forms on the Site.
ii.Create a username that is not patently offensive or deceptive and does not violate any other party's legal rights
iii.Not register for more than one Account, register for an Account on behalf of an individual other than yourself or register for an Account on behalf of any group or entity
iv.Maintain the security of your passwords and identification
v.Be fully and solely responsible for any and all use and activity (including content that is posted, transmitted, shared or otherwise made available) under your
Account, and the consequences thereof, regardless of whether it's been authorized by you
vi.Immediately notify us of any unauthorized use of your password or Account or any other breach of security
You participate on the Site at your own risk. Additionally, you hereby release POI, its directors, officers, agents, contractors, partners, assigns, successors-in-interest
and its employees from any and all liability, direct or indirect, and for any liability, loss or damage that is caused or alleged to have been caused to you from your use
of the Site.

We reserve the right to remove your Account and/or deny, restrict, suspend or terminate your access to all or any part of the Site without notice if we determine that you
have violated these Terms of Use or our House Rules or for any other behavior that we, in our sole discretion, believe is harmful to the Site.

Restrictions on Use of Site Content

POI-owned trademarks and service marks, including but not limited to, those listed at http://www.privateofficer.com, along with our trade names, trade dress and
designs (collectively, the "Marks") are the property of POI. Additionally, other content found on our Site, including, but not limited to, text, postings, photographs, video,
information, art, graphics, music, sound and other files, and their selection and arrangement (collectively, the "Site Content") is the property of POI and/or its
respective owners. Unless noted otherwise, you may access the Site, the Site Content and the Marks for your personal and noncommercial use only. You will not
acquire any ownership rights by downloading the Site Content. You may not use, modify, copy, publish, display, transmit, adapt, frame or in any way exploit the Site
Content or Marks, in whole or in part, without the prior written consent from POI and all respective owners of the Site Content. You must abide by all copyright notices
or other restrictions contained in the Site. Any use of the Marks or the Site Content other than as specifically authorized is strictly prohibited and will terminate any
permission(s) granted herein. Such unauthorized use may also violate applicable laws, including copyright and trademark laws. Unless explicitly stated herein,
nothing in these Terms of Use shall be construed as conferring any license to any intellectual property rights.

User Conduct

By accessing the Site, you agree not to:
i.Use the Site in any unlawful manner or in any manner that could damage, disable, disrupt or impair the Site or interfere with any other User's use and enjoyment of
the Site
ii.Use spiders, robots, data mining techniques or similar data gathering or extraction methods to catalog, download or otherwise reproduce, store or distribute the
Marks or Site Content
iii.Post or transmit any information, software or other material that contains a virus or other harmful component
Further, by participating in the Forums, you agree not to:
i.Intimidate, harass or insult other Users
ii.Post, transmit, share or otherwise make available any language or material that is abusive, vulgar (including masked vulgarity), harmful, unlawful, infringing on the
rights of others, fraudulent, threatening, hateful, harassing, defamatory, insulting, obscene, profane, racist, sexually explicit or otherwise objectionable
iii.Post, transmit, share or otherwise make available content that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any
person or entity or that would otherwise create liability or violate any local, state, national or international laws or regulation
iv.Post, transmit, share or otherwise make available any advertising, solicitations (for funds, goods, services or otherwise), promotional materials, "junk mail,"
"spam," "pyramid schemes" or any other commercial material, including, but not limited to, business and charity solicitations
v.Post, transmit, share, or otherwise make available or solicit personal information such as phone numbers, addresses, social security numbers, last names (you
may use last initials) or any other private information
vi.Post the same message or comment more than once
vii.Impersonate any person or entity (including, but not limited to, any POI employees or representatives), or falsely state or otherwise misrepresent yourself, your age
or your affiliation with any person or entity
viii.Use or attempt to use another Member's Account, without that Member's authorization
ix.Post, transmit, share or otherwise make available links to Third-Party Sites (as defined herein)
Although you are solely responsible for your interactions with other Users, we reserve the right, to monitor communications between you and other Users.

User-Generated Content Posted in the Forums

We are not responsible for content posted, transmitted, shared or otherwise made available by Users on or through the Forums, including, but not limited to,
trademarks, trade names, service marks, trade dress, articles, recipes, art, designs, graphics, text, postings, images, links, photographs, videos, information, music,
song lyrics, sound and other files, (collectively, "User Generated Content" or "UGC"). POI is a distributor (and not a publisher) of UGC. Accordingly, we have no more
editorial control over such UGC than does a public library, bookstore, or newsstand. UGC does not reflect the opinions or views of POI. Although we may monitor the
Forums, we do not review all UGC. We do not endorse any UGC and make no warranties, whether express or implied, as to the accuracy, integrity or quality of any
UGC. Under no circumstances will we be liable in any way for UGC, including, but not limited to, any errors or omissions in any UGC or any loss or damage of any
kind incurred as a result of the use of or reliance on any UGC. We retain, however, the right to archive or make any Forum discussion "Read Only" or to reject, modify
or remove any UGC (without notice or liability) if we, in our sole discretion, consider any UGC to be in violation of these Terms of Use or any House Rules or otherwise
harmful to the Site. Regardless of whether we remove such UGC, Users remain solely responsible and liable for the UGC they supply.

By posting, transmitting, sharing or otherwise making available UGC on the Forums, you automatically grant, or warrant that the owner of such UGC has expressly
granted POI the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, adapt, translate and distribute such UGC (in whole or in part)
worldwide and/or to incorporate it in other works in any form, media or technology now known or hereafter developed for the full term of any copyright that may exist in
such UGC. You also permit any other User to access, view, store or reproduce the UGC for that User's personal use only. You hereby grant POI the right to copy and
distribute any UGC made available on the Site by You. You represent and warrant that you are the sole creator and owner of or have all the necessary licenses, rights,
consents, releases and permissions to post the UGC submitted through your Account or otherwise posted, transmitted or shared by you on or through the Site.
Additionally, you represent and warrant that no element of your UGC will violate or infringe upon the rights of any third party, including, without limitation, copyright,
trademark, privacy rights, right of publicity or other personal or proprietary rights. By using the Site, you further represent and warrant that you (and any licensor of
content that you post on the Site), have waived any "moral rights" in connection with your UGC and that you will be solely responsible for paying all royalties and other
fees that might be due to any person or entity by reason of any UGC posted by you on or through the Site. You are not entitled to any compensation for any UGC you
post on the Site.

Links to Third-Party Sites

The Site may contain links to other sites ("Third-Party Sites") containing content, goods, services, and applications not owned by us (collectively, "Third-Party
Content"). We do not control and are not responsible for the Third-Party Sites or Third-Party Content.

These Terms of Use apply to and govern our Site only. We do not endorse, take responsibility for, investigate, monitor or check for accuracy, appropriateness or
completeness of any Third-Party Content. Further, you hereby release POI from any and all liability, direct or indirect, and for any loss or damage that is caused or
alleged to have been caused to you in connection with your use of, or reliance on, any Third-Party Content. You should direct any concerns to that Third-Party Site's
administrator or webmaster.

Copyright Complaints

We respect the intellectual property rights of others, and we prohibit Users from posting, sharing, transmitting or otherwise making available any materials that
infringe upon another party's intellectual property rights. However, material is posted on the Site by third parties not within our control, and we are under no obligation
to and do not review all content on the Site for the inclusion of illegal or impermissible content. However, it is our policy not to permit material known by us to infringe
another party's copyright to remain on the Site. In accordance with the Digital Millennium Copyright Act (the "DMCA") and other applicable law, we will promptly remove
or disable access to the allegedly infringing material when we receive proper notification of an alleged copyright infringement as described below. Further, we will
terminate, in appropriate circumstances and at our sole discretion, the accounts of Members who are deemed to be repeat infringers.

If you believe any material on the Site infringes a copyright, you should provide us with written notice. Please click here to fill out our electronic DMCA form.

Disclaimers

THE SERVICES, PRODUCTS AND MATERIALS ON THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
NEITHER WE, NOR ANY OF OUR RESPECTIVE LICENSORS OR SUPPLIERS, WARRANT THAT ANY FUNCTIONS CONTAINED IN THE SITE WILL BE
UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED OR THAT THE SITE OR THE SERVER THAT MAKES THEM AVAILABLE ARE FREE OF
VIRUSES OR OTHER HARMFUL COMPONENTS. NEITHER WE, NOR ANY OF OUR RESPECTIVE LICENSORS OR SUPPLIERS, WARRANT OR MAKE ANY
REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE SERVICES, PRODUCTS OR MATERIALS IN THIS SITE IN TERMS OF THEIR
CORRECTNESS, ACCURACY, RELIABILITY OR OTHERWISE. YOU (AND NOT WE OR ANY OF OUR RESPECTIVE LICENSORS OR SUPPLIERS) ASSUME THE
ENTIRE COST OF ALL SERVICING, REPAIR OR CORRECTION TO YOUR SYSTEM.

We do not endorse, warrant or guarantee any products or services offered on the Site. We assume no responsibility for the monitoring of or any transaction between
Users and third-party providers of products or services.

Personal Advice

The information contained in or made available through the Site (including, but not limited to, information contained in text files or in Forums) cannot replace or
substitute for the services of trained professionals in any field, including, but not limited to, financial, medical or legal matters. Please seek the advice of
professionals, as appropriate, regarding the evaluation of any specific information found on the Site. Your access and use of the Site does not in any way create a
physician/patient, confidential or privileged relationship, or any other relationship that would give rise to any duties on POI part or the part of its contributors. We do not
recommend or endorse any specific tests, physicians,services, procedures, opinions, or other information that may appear on the Site. Your use of or reliance on any
information provided on the Site is solely at your own risk. We, and our licensors or suppliers, make no representations or warranties concerning any treatment,
action or application of medication or preparation by any person following the information offered or provided within or through the Site. Neither we, nor our partners or
any of their affiliates, will be liable for any direct, indirect, consequential, special, exemplary or other damages that may result, including but not limited to, economic
loss, injury, illness or death.

Limitation of Liability

UNDER NO CIRCUMSTANCES WILL WE, OR ANY OF OUR LICENSORS OR SUPPLIERS, BE LIABLE FOR ANY INDIRECT, SPECIAL OR CONSEQUENTIAL
DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE MATERIALS ON THE SITE OR ANY PRODUCTS OR SERVICES PROVIDED
PURSUANT TO THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND, IF APPLICABLE LAW PERMITS, EVEN IF DUE TO OUR OR OUR
LICENSORS' OR SUPPLIERS' NEGLIGENCE. IN NO EVENT SHALL THE TOTAL LIABILITY TO YOU BY US OR ANY OF OUR LICENSORS OR SUPPLIERS FOR ALL
DAMAGES, LOSSES AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU TO US, IF ANY, FOR
ACCESSING THE SITE.

Indemnity

You agree to defend, indemnify and hold harmless POI and its directors, officers, agents, contractors, partners, assigns, successors-in-interest and its and their
employees from and against any and all claims, damages, obligations, losses, liabilities, costs, debt and expenses (including but not limited to attorney's fees)
arising from or in connection with: (i) your use of the Site in violation of these Terms of Use, (ii) any breach by you of these Terms of Use or any representation and
warranty made by you herein, (iii) your UGC, (iv) your use of materials or features available on the Site (except to the extent a claim is based upon infringement of a
third-party right by materials created by us) or (v) a violation by you of applicable law or any agreement or terms with a third party to which you are subject.

Submissions

We welcome your comments about the PrivateOfficer.com Site. However, we will not review or consider any unsolicited submissions, such as articles, e-books,
photos, video clips, and graphics. We hope you will understand that the intent of this policy is to avoid the possibility of future misunderstandings in the event that
projects developed by our professional staff appear to others to be similar to their own work. If, despite our request, you send us any unsolicited ideas, suggestions
or material(s) (collectively, "Submission(s)"), such Submissions will become the property of POI. POI is not obligated to keep any Submission confidential, and we
will not be liable for any use or disclosure of any such Submission. We will exclusively own all known or later-existing rights to the Submissions worldwide and in
perpetuity and will be entitled to the unrestricted use of the Submission for any purpose, without compensation to the provider of the Submission.

If you are submitting something to a Third-Party Site that contains a submissions policy, please consult that site for its specific requirements.

Privacy Policy

We are committed to protecting your privacy and security and have explained in detail the steps we take to do so. Please read our Privacy Policy, which is incorporated
into these Terms of Use by reference.

Jurisdictional Issues

We control and operate the Site from our offices in the United States. We do not represent that materials on the Site are appropriate or available for use in other
locations. People who choose to access the Site from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the
extent local laws are applicable.

Miscellaneous

These Terms of Use will be governed by, and construed in accordance with, the internal laws of the State of Georgia, without regard to its choice of laws principles.
You agree that any and all disputes that may arise out of or relate to these Terms of Use shall be submitted for resolution to the American Arbitration Association's
("AAA") Atlanta Georgia, office. In agreeing to arbitrate such disputes you agree to waive any rights to bring any civil action in any court regarding such disputes. The
award rendered by the arbitrator shall be final and judgment may be entered into it in accordance with the applicable law in the Circuit Court of Fulton County, Georgia.
If either you or we desire arbitration, that party agrees to serve written notice of the arbitration with the other party and the AAA's Atlanta Georgia, office. If any provision
of these Terms of Use is found unlawful, void or for any reason unenforceable, then that provision shall be severed from the remaining Terms of Use and will not
affect the validity and enforceability of the remaining provisions, which shall remain in full force and effect. The Terms of Use constitute the entire agreement between
you and us relating to the subject matter contained herein. This agreement may be modified only by our posting of changes to these Terms of Use or by a writing
signed by both you and POI.
TERMS OF USE


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