1.
ACCEPTANCE OF TERMS
American Benefits Alliance (The Company) welcomes the undersigned
customer (“You”). American Benefits Alliance provides
its service to You subject to the following Terms of Service (“TOS”), which may
be updated from time to time at American Benefits Alliance’s discretion with notice provided
to you via e-mail. By logging into our system, you agree to the terms of
service.
2.
DESCRIPTION OF PRODUCTS & SERVICE
American Benefits Alliance provides users with an innovative method to transmit information via SMS
text messages, done through an easy-to-use web site (the “Service”).You agree
that the Service may include certain communications from American Benefits Alliance to You
via email, such as service announcements and administrative messages, and that
these communications are considered part of the membership of American Benefits Alliance. Unless explicitly stated otherwise, any new
features that amplify or enhance the current Service, shall be subject to the
TOS. You understand and agree that the Service is provided “AS-IS”.
You are responsible for obtaining access to the Service and that access may
involve third party fees (such as Internet service provider or airtime charges).
You are responsible for those fees, including those fees associated with the
display or delivery of advertisements. You must provide and are responsible for
all equipment necessary to access the Service.
3. American Benefits Alliance PRIVACY POLICY
In order
to set up your account, You must provide American Benefits Alliance certain information. American Benefits Alliance will never release Your information to anyone for any reason without prior
approval by You, unless required to do so by law. As part of its service, American Benefits Alliance collects the phone numbers of prospective buyers that access information
via text message (SMS).
The phone numbers collected by You will never
be shared with other American Benefits Alliance users of the system nor will they be
distributed outside the system, unless required by law.
4. MEMBER
ACCOUNT, PASSWORD AND SECURITY
You will
receive a password and account designation upon completing the Service’s
registration process. You are responsible for maintaining the confidentiality
of the password and account, and are fully responsible for all activities that
occur under your password or account. You agree to (a) immediately notify American Benefits Alliance of any unauthorized use of Your password or account or any other breach of
security, and (b) ensure that you exit from Your account at the end of each
session. American Benefits Alliance is not liable for any loss or damage arising from Your
failure to comply with this Section 4.
5. MEMBER
CONDUCT
You agree
to not use the Service to:
1.
upload, post, email, transmit or otherwise make available any Content that is
unlawful, harmful, threatening, abusive, harassing, tortious, defamatory,
vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially,
ethnically or otherwise objectionable;
2. harm
minors in any way;
3.
upload, post, email, transmit or otherwise make available any Content that you
do not have a right to make available under any law or under contractual or
fiduciary relationships (such as inside information, proprietary and
confidential information learned or disclosed as part of employment
relationships or under nondisclosure agreements);
4.
upload, post, email, transmit or otherwise make available any Content that
infringes any patent, trademark, trade secret, copyright or other proprietary
rights (“Rights”) of any party;
5.
upload, post, email, transmit or otherwise make available any material that
contains software viruses or any other computer code, files or programs
designed to interrupt, destroy or limit the functionality of any computer
software or hardware or telecommunications equipment;
6.
interfere with or disrupt the Service or servers or networks connected to the
Service, or disobey any requirements, procedures, policies or regulations of
networks connected to the Service; or
7.
intentionally or unintentionally violate any applicable local, state, national
or international law, including, but not limited to, regulations promulgated by
the U.S. Securities and Exchange Commission, any rules of any national or other
securities exchange, including, without limitation, the New York Stock
Exchange, the American Stock Exchange or the NASDAQ, and any regulations having
the force of law.
You
acknowledge that American Benefits Alliance may or may not pre-screen Content, but that American Benefits Alliance and its designees shall have the right (but not the obligation) in their
sole discretion to pre-screen, refuse, or move any Content that is available
via the Service. Without limiting the foregoing, American Benefits Alliance and its designees
shall have the right to remove any Content that violates the TOS or is
otherwise objectionable. You agree that you must evaluate, and bear all risks
associated with, the use of any Content, including any reliance on the
accuracy, completeness, or usefulness of such Content.
You
acknowledge, consent and agree that American Benefits Alliance may access, preserve, and
disclose your account information and Content if required to do so by law or in
a good faith belief that such access preservation or disclosure is reasonably
necessary to: (a) comply with legal process; (b) enforce the TOS; (c) respond
to claims that any Content violates the rights of third-parties; (d) respond to
your requests for customer service; (e) protect the rights, property, or
personal safety of American Benefits Alliance, its users and the public; or (f) subject to a
legally issued subpoena or court order.
You
understand that the technical processing and transmission of the Service,
including your Content, may involve (a) transmissions over various networks;
and (b) changes to conform and adapt to technical requirements of connecting
networks or devices.
You
understand that the Service and software embodied within the Service may
include security components that permit digital materials to be protected, and
use of these materials is subject to usage rules set by American Benefits Alliance and/or
content providers who provide content to the Service. You may not attempt to
override or circumvent any of the usage rules embedded into the Service. Any
unauthorized reproduction, publication, further distribution or public
exhibition of the materials provided on the Service, in whole or in part, is
strictly prohibited.
6.
INDEMNITY
You agree
to defend, indemnify and hold American Benefits Alliance, and its subsidiaries, affiliates,
officers, agents, co-branders or other partners, and employees, harmless from
any claim, complaint, demand or lawsuit, including reasonable attorneys’ fees,
made by any third party due to or arising in any way out of Your subscription
with American Benefits Alliance or Your use of American Benefits Alliance services.
7. NO
RESALE OF SERVICE
American Benefits Alliance service is non-transferable. You may not to reproduce, duplicate, copy,
sell, trade, resell or exploit for any commercial purposes, any portion of the
Service, use of the Service, or access to the Service.
8.
MODIFICATIONS TO SERVICE
American Benefits Alliance reserves the right at any time and from time to time to modify or
discontinue, temporarily or permanently, the Service (or any part thereof) with
or without notice. You agree that American Benefits Alliance shall not be liable to You or to
any third party for any modification, suspension or discontinuance of the
Service.
9.
TERMINATION
You agree
that American Benefits Alliance may, under certain circumstances and without prior notice,
immediately terminate American Benefits Alliance account and access to the Service. Cause for
such termination shall include, but not be limited to, (a) breaches or
violations of the TOS or other incorporated agreements or guidelines, (b)
requests by law enforcement or other government agencies, (c) a request by You
(self-initiated account deletions), (d) discontinuance or material modification
to the Service (or any part thereof), (e) unexpected technical or security
issues or problems, (f) You have engaged in fraudulent or illegal activities,
and/or (g) nonpayment of any fees owed by you in connection with the Services.
Termination of American Benefits Alliance account includes (a) removal of access to all
offerings within the Service (b) deletion of your password and all related information,
text associated to codes, activity reports and content associated with or
inside Your account (or any part thereof), and (c) barring further use of the
Service. Further, You agree that all terminations for cause shall be made at American Benefits Alliance sole discretion and that American Benefits Alliance shall not be liable to You or any
third-party for any termination of your account or access to the Service.
10. THE
COMPANY PROPRIETARY RIGHTS
You
acknowledge and agree that the Service and any necessary software used in
connection with the Service (“Software”) contain proprietary and confidential
information that is protected by applicable intellectual property and other
laws. Except as expressly authorized by American Benefits Alliance, You agree not to modify,
rent, lease, loan, sell, distribute or create derivative works based on the
Service or the Software, in whole or in part.
11.
DISCLAIMER OF WARRANTIES
YOU
EXPRESSLY UNDERSTAND AND AGREE THAT:
YOUR USE
OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND
“AS AVAILABLE” BASIS. AMERICAN BENEFITS ALLIANCE EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY
KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED
WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND
NON-INFRINGEMENT.
AMERICAN BENEFITS ALLIANCE MAKES NO WARRANTY THAT (i) THE SERVICE WILL MEET YOUR REQUIREMENTS, (ii)
THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE
RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR
RELIABLE, AND (iv) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED.
NO ADVICE
OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM AMERICAN BENEFITS ALLIANCE OR
THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN
THE TOS.
A SMALL
PERCENTAGE OF USERS MAY EXPERIENCE EPILEPTIC SEIZURES WHEN EXPOSED TO CERTAIN
LIGHT PATTERNS OR BACKGROUNDS ON A COMPUTER SCREEN OR WHILE USING THE SERVICE.
CERTAIN CONDITIONS MAY INDUCE PREVIOUSLY UNDETECTED EPILEPTIC SYMPTOMS EVEN IN
USERS WHO HAVE NO HISTORY OF PRIOR SEIZURES OR EPILEPSY. IF YOU, OR ANYONE IN
YOUR FAMILY, HAVE AN EPILEPTIC CONDITION, CONSULT YOUR PHYSICIAN PRIOR TO USING
THE SERVICE. IMMEDIATELY DISCONTINUE USE OF THE SERVICE AND CONSULT YOUR
PHYSICIAN IF YOU EXPERIENCE ANY OF THE FOLLOWING SYMPTOMS WHILE USING THE
SERVICE — DIZZINESS, ALTERED VISION, EYE OR MUSCLE TWITCHES, LOSS OF AWARENESS,
DISORIENTATION, ANY INVOLUNTARY MOVEMENT, OR CONVULSIONS.
12.
LIMITATION OF LIABILITY
YOU
EXPRESSLY UNDERSTAND AND AGREE THAT AMERICAN BENEFITS ALLIANCE SHALL NOT BE LIABLE TO YOU FOR
ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES,
INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA
OR OTHER INTANGIBLE LOSSES (EVEN IF AMERICAN BENEFITS ALLIANCE HAS BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO
USE THE SERVICE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES
RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED
OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE;
(iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; OR
(iv) ANY OTHER MATTER RELATING TO THE SERVICE.
13.
EXCLUSIONS AND LIMITATIONS
SOME
JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION
OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY,
SOME OF THE ABOVE LIMITATIONS OF SECTIONS 17 AND 18 MAY NOT APPLY TO YOU.
14. NO
THIRD PARTY BENEFICIARIES
You agree
that, except as otherwise expressly provided in this TOS, there shall be no third-party
beneficiaries to this Agreement.
15.
NOTICE
American Benefits Alliance may provide You with notices, including those regarding changes to the TOS,
by either email, regular mail, or postings on the Service.
16.
TRADEMARK INFORMATION
American Benefits Alliance logo any trademarks and service marks and other American Benefits Alliance logos and
product and service names are trademarks of American Benefits Alliance (the “Company Marks”).
American Benefits Alliance grants you permission to use American Benefits Alliance marks on advertising
brochures, sign riders and other real estate-oriented marketing campaigns. All
other uses not associated with improving your real estate business are
expressly prohibited without the prior approval of American Benefits Alliance.
17.
GENERAL INFORMATION
Entire
Agreement. The TOS constitutes the entire agreement between You and American Benefits Alliance and governs your use of the Service, superseding any prior agreements
between You and American Benefits Alliance with respect to the Service.
Choice of
Law and Forum. The TOS and the relationship between you and American Benefits Alliance shall
be governed by the laws of the State of Illinois without regard to its conflict
of law provisions. You and American Benefits Alliance agree to submit to the personal and
exclusive jurisdiction of the courts located within the state of Illinois.
Waiver
and Severability of Terms. The failure of American Benefits Alliance to exercise or enforce
any right or provision of the TOS shall not constitute a waiver of such right
or provision. If any provision of the TOS is found by a court of competent
jurisdiction to be invalid, the parties nevertheless agree that the court
should endeavor to give effect to the parties’ intentions as reflected in the
provision, and the other provisions of the TOS remain in full force and effect.
No Right
of Survivorship and Non-Transferability. You agree that American Benefits Alliance account is
non-transferable and any rights to Your American Benefits Alliance or contents within Your
account terminate upon Your death. Upon receipt of a copy of a death
certificate, Your account may be terminated and all contents therein
permanently deleted.
Statute
of Limitations. You agree that regardless of any statute or law to the
contrary, any claim or cause of action arising out of or related to use of the
Service or the TOS must be filed within one (1) year after such claim or cause
of action arose or be forever barred.
The
section titles in the TOS are for convenience only and have no legal or
contractual effect.
18.
VIOLATIONS
Please report any violations of the TOS to
Violation team at [email protected]