TERMS & CONDITIONS

IMPORTANT! THESE TERMS OF USE GOVERN YOUR USE OF THIS SITE, WHICH IS PROVIDED BY TEEFRESHMEDIA. BY ACCESSING THIS SITE, YOU ARE INDICATING YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THESE TERMS OF USE. THESE TERMS OF USE ARE SUBJECT TO CHANGE BY TEEFRESHMEDIA AT ANY TIME IN ITS DISCRETION. YOUR USE OF THIS SITE AFTER SUCH CHANGES ARE IMPLEMENTED CONSTITUTES YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THE CHANGES. PLEASE CONSULT THESE TERMS OF USE REGULARLY.

1. ACCESS TO THIS SITE

To access this site or some of the resources it has to offer, you may be asked to provide certain registration details or other information. It is a condition of your use of this site that all the information you provide on this site will be correct, current, and complete. If TeefreshMedia believes the information you provide is not correct, current, or complete, TeefreshMedia has the right to refuse you access to this site or any of its resources, and to terminate or suspend your access at any time.

2. RESTRICTIONS ON USE

You may use this site for purposes expressly permitted by this site. You may not use this site for any other purpose, including any commercial purpose, without TeefreshMedia’s express prior written consent. For example, you may not (and may not authorize any other party to) (i) co-brand this site, or (ii) frame this site, or (iii) hyper-link to this site, without the express prior written permission of an authorized representative of TeefreshMedia. For purposes of these Terms of Use, ‘‘co-branding’’ means to display a name, logo, trademark, or other means of attribution or identification of any party in such a manner as is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute this site or content accessible within this site. You agree to cooperate with TeefreshMedia in causing any unauthorized co-branding, framing or hyper-linking immediately to cease.

3. PROPRIETARY INFORMATION

The material and content accessible from this site, and any other World Wide Web site owned, operated, licensed, or controlled by TeefreshMedia (the ‘‘Content’’) is the proprietary information of TeefreshMedia or the party that provided the Content to TeefreshMedia, and TeefreshMedia or the party that provided the Content to TeefreshMedia retains all right, title, and interest in the Content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of TeefreshMedia, except that you may print out a copy of the Content solely for your personal use. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of the Content. Modification or use of the Content except as expressly provided in these Terms of Use violates TeefreshMedia’s intellectual property rights. Neither title nor intellectual property rights are transferred to you by access to this site.

4. SUBMISSIONS

You hereby grant to TeefreshMedia the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all content, remarks, suggestions, ideas, graphics, or other information communicated to TeefreshMedia through this site (together, the ‘‘Submission’’), and to incorporate any Submission in other works in any form, media, or technology now known or later developed. TeefreshMedia will not be required to treat any Submission as confidential, and may use any Submission in its business (including without limitation, for products or advertising) without incurring any liability for royalties or any other consideration of any kind, and will not incur any liability as a result of any similarities that may appear in future TeefreshMedia operations.

TeefreshMedia will treat any personal information that you submit through this site in accordance with its Privacy Policy.

5. DISCLAIMER

You understand that TeefreshMedia cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojan horses, or other code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this site for the reconstruction of any lost data. TeefreshMedia does not assume any responsibility or risk for your use of the Internet.

The Content is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices provided by TeefreshMedia. Investors, borrowers, and other persons should use the Content in the same manner as any other educational medium and should not rely on the Content to the exclusion of their own professional judgment. Information obtained by using this site is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals.

YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THE CONTENT IS PROVIDED ‘‘AS IS’’ AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. TeefreshMedia DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. TeefreshMedia DOES NOT WARRANT THAT THE FUNCTIONS OR CONTENT CONTAINED IN THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. TeefreshMedia DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING USE, OR THE RESULT OF USE, OF THE CONTENT IN TERMS OF ACCURACY, RELIABILITY, OR OTHERWISE. THE CONTENT MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND TeefreshMedia MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU, AND NOT TeefreshMedia, ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS CONTENT. TeefreshMedia MAKES NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

All of the information in this site, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this site, and TeefreshMedia does not undertake any obligation to update such information after it is posted or to remove such information from this site if it is not, or is no longer, accurate or complete.

6. TRADEMARKS

Trademarks, service marks, and logos appearing in this site are the property of TeefreshMedia or the party that provided the trademarks, service marks, and logos to TeefreshMedia. TeefreshMedia and any party that provided trademarks, service marks, and logos toTeefreshMedia retain all rights with respect to any of their respective trademarks, service marks, and logos appearing in this site.

7. INFORMATION YOU PROVIDE

You may not post, send, submit, publish, or transmit in connection with this site any material that:

• you do not have the right to post, including proprietary material of any third party;

• advocates illegal activity or discusses an intent to commit an illegal act;

• is vulgar, obscene, pornographic, or indecent;

• does not pertain directly to this site;

• threatens or abuses others, libels, defames, invades privacy, stalks, is obscene, pornographic, racist, abusive, harassing, threatening, or offensive;

• seeks to exploit or harm children by exposing them to inappropriate content, asking for personally identifiable details, or otherwise;

• infringes any intellectual property or other right of any entity or person, including violating anyone’s copyrights or trademarks or their rights of publicity;

• violates any law or may be considered to violate any law;

• impersonates or misrepresents your connection to any other entity or person or otherwise manipulates headers or identifiers to disguise the origin of the content;

• advertises any commercial endeavor (e.g., offering for sale products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners, and/or soliciting goods or services) except as may be specifically authorized on this site;

• solicits funds, advertisers, or sponsors;

• includes programs that contain viruses, worms, and/or Trojan horses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications;

• disrupts the normal flow of dialogue, causes a screen to scroll faster than other users are able to type or otherwise act in a way which affects the ability of other people to engage in real-time activities via this site;

• includes MP3 format files;

• amounts to a ‘‘pyramid’’ or similar scheme;

• disobeys any policy or regulations established from time to time regarding use of this site or any networks connected to this site; or

• contains hyper-links to other sites that contain content that falls within the descriptions set forth above.

TeefreshMedia reserves the right to monitor use of this site to determine compliance with these Terms of Use, as well the right to remove or refuse any information for any reason. Notwithstanding these rights, you remain solely responsible for the content of your submissions. You acknowledge and agree that neither TeefreshMedia nor any third party that provides Content to TeefreshMedia will assume or have any liability for any action or inaction by TeefreshMedia or such third party with respect to any submission.

8. SECURITY

Any passwords used for this site are for individual use only. You will be responsible for the security of your password (if any). TeefreshMedia will be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that TeefreshMedia considers insecure, TeefreshMedia will be entitled to require the password to be changed and/or terminate your account.

You are prohibited from using any services or facilities provided in connection with this site to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools, or network probing tools) is strictly prohibited. If you become involved in any violation of system security, TeefreshMedia reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents. TeefreshMedia reserves the right to investigate suspected violations of these Terms of Use.

TeefreshMedia reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing TeefreshMedia to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms of Use.

BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS TeefreshMedia FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY TeefreshMedia DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER TeefreshMedia OR LAW ENFORCEMENT AUTHORITIES.

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