CreditManagementWorld.com
TERMS AND CONDITIONS OF USE

1. ACCEPTANCE

Through the CreditManagementWorld.com website (the ”Website”) CreditManagementWorld.com LLC provides a
service to you subject to the following Terms and Conditions of Use ("TCU"). By using the Website, you agree to all
the TCU. CreditManagementWorld.com LLC may update the TCU from time to time without notice to you. The most
current version of the TCU can be reviewed at:
http://www.CreditManagementWorld.com/termsandconditions.html.
In addition, you may be subject to other terms and conditions applicable to such service, which may be posted in
the website from time to time. All such terms and conditions are hereby incorporated by reference into the TCU.
CreditManagementWorld.com LLC may also offer other services governed by different terms and conditions.

2. DESCRIPTION OF THE SERVICE

CreditManagementWorld.com LLC provides users with access to a collection of resources, including information,
forms and templates pertaining to business to business credit and collections management, which may be accessed
through any various media or devices now known or hereafter developed (the "Service"). Unless explicitly stated
otherwise, any new features that augment or enhance the current Service shall be subject to the TCU.

CreditManagementWorld.com LLC does not represent that the resources offered in the Website, including
information, forms and templates, are suitable for any person or business, or constitute legal advice. Persons and
businesses are advised not to rely on any of these resources in making any business or legal decisions.
CreditManagementWorld.com LLC does not intend to provide legal or professional advice through the Website.

You understand and agree that the Service is provided "AS-IS" and that the accuracy, completeness or timeliness of
the information and other resources in the Website is subject to change and cannot be guaranteed, and that
CreditManagementWorld.com LLC is under no obligation to update such information and other resources to reflect
changes.

You understand and agree that the Service may include advertisements and that these advertisements are necessary
for CreditManagementWorld.com LLC to provide the Service. You also understand and agree that the Service may
include certain communications from CreditManagementWorld.com LLC, such as announcements and
administrative messages and that these communications are necessary for CreditManagementWorld.com LLC to
provide the Service.

3. USER OBLIGATIONS

In consideration of your use of the Service, you represent that you are of legal age to form a binding contract and
are not a person barred from receiving services under the laws of the United States or other applicable jurisdiction.
You also agree to provide true, accurate, current and complete information about yourself as prompted by the
Service’s specific forms (the "Registration Data").If you provide any information that is untrue, inaccurate, not current
or incomplete, or CreditManagementWorld.com LLC has reasonable grounds to suspect that such information is
untrue, inaccurate, not current or incomplete, CreditManagementWorld.com LLC has the right to suspend or
terminate your account and refuse any and all current or future use of the Service (or any portion thereof).

4. GENERAL USE

As a condition of your use of the Service, you agree not to use the Website for any purpose that is unlawful or
prohibited by the TCU. You agree to comply with all the laws applicable to the content and access and use of the
Website including those regarding the transmission of data exported from the United States or the country in which
you reside. You agree not use the Website in any manner which could damage, disable, overburden, or impair the
Website or interfere with any other party's use of the Website. You agree not to obtain or attempt to obtain any
materials or information through any means not intentionally made available or provided for through this Website.

5. INTERNATIONAL USE

The Website has been published in the United States for use by businesses in the United States and is not intended
for use by persons or businesses outside of the United States. Recognizing the global nature of the Internet, you
agree to use the Service in compliance with all local laws and regulations applicable within your jurisdiction.

6. USER ACCOUNT, PASSWORD AND SECURITY

Certain features of the Website are available only to registered users or Subscribers and are accessible with a
password. Upon completing the registration process you may receive an account designation or ID and a password
to access such Website features. You are responsible for maintaining the confidentiality of the password and
account designation and are fully responsible for all activities that occur under your password or account. You agree
to (a) immediately notify CreditManagementWorld.com LLC of any unauthorized use of your password or account or
any other breach of security, and (b) ensure that you exit from your account in the Website at the end of each
session. CreditManagementWorld.com LLC cannot and will not be liable for any loss or damage arising from your
failure to comply with the terms under this section.

7. PRIVACY POLICY

Registration Data and certain other information about you is subject to CreditManagementWorld.com LLC Privacy
Policy (the “Private Policy”). The most current version of the Privacy Policy can be reviewed at the following web
address:
http://CreditManagementWorld.com/privacy.html. You understand that through your use of the Service you
consent to the collection and use (as set forth in the Privacy Policy) of this information, including the transfer of this
information to the United States and/or other countries for storage, processing and use by CreditManagementWorld.
com LLC and its affiliates.

You acknowledge, consent and agree that CreditManagementWorld.com LLC may access, preserve and disclose
your account information 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 a legal process; (b) enforce the TCU; (c) respond to your
requests for customer service; or (d) protect the rights, property or personal safety of CreditManagementWorld.com
LLC, its users and the public.

8. EMAIL COMMUNICATION

The Website enables you to communicate electronically by sending email messages to CreditManagementWorld.
com LLC and/or its officers, employees and representatives. CreditManagementWorld.com LLC shall use reasonable
precautions to maintain the confidentiality of your account information or any other information provided by you or
to you via the Website or any communication through email. Because this information can be accessed through the
Internet, you hereby acknowledge and agree that there can be no assurance that such information will remain
secure. CreditManagementWorld.com LLC shall not be liable for any actions taken or any omissions to act as a
result of any email message(s) sent to CreditManagementWorld.com LLC and/or its employees and representatives.

9. MODIFICATIONS TO SERVICE

CreditManagementWorld.com LLC 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
CreditManagementWorld.com LLC shall not be liable to you or to any third party for any modification, suspension or
discontinuance of the Service.

10. LINKS

The Service may provide, or third parties may provide, links to other sites or resources in the World Wide Web.
Because CreditManagementWorld.com LLC has no control over such sites and resources, you acknowledge and
agree that CreditManagementWorld.com LLC is not responsible for the availability of such external sites or
resources, and does not endorse and is not responsible or liable for any content, advertising, products or other
materials on or available from such sites or resources. You further acknowledge and agree that
CreditManagementWorld.com LLC shall not be responsible or liable, directly or indirectly, for any damage or loss
caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services
available on or through any such site or resource.

11. TERMINATION

You agree that CreditManagementWorld.com LLC may, under certain circumstances and without prior notice,
immediately terminate your account and access to the Service. Cause for such termination shall include, but not be
limited to, (a) breach or violation of the TCU or other incorporated agreements or guidelines, (b) a request by a law
enforcement or other government agency, (c) a request by you, (d) discontinuance or material modification to the
Service (or any part thereof), (e) unexpected technical or security problems, (f) engagement by you in fraudulent or
illegal activities, and/or (g) nonpayment of any fees owed by you in connection with the Services.

Termination of your CreditManagementWorld.com LLC account includes (a) removal of access to the Service (b)
deletion of your password, your account information and associated files (or any part thereof), and (c) barring of
further use of the Service.

Further, you agree that termination for cause shall be made in CreditManagementWorld.com LLC's sole discretion
and that CreditManagementWorld.com LLC shall not be liable to you or any third party for any termination of your
account or access to the Service.

12. PROPRIETARY RIGHTS OF CREDITMANAGEMENTWORLD.COM LLC

You acknowledge and agree that the Service and any necessary software that may be used in connection with the
Service ("Software") contain proprietary and confidential information that is protected by applicable intellectual
property and other laws. You further acknowledge and agree that content contained in sponsor advertisements or
information presented to you through the Service or by advertisers is protected by copyrights, trademarks, service
marks, patents or other proprietary rights and laws. Except as expressly authorized by CreditManagementWorld.com
LLC or advertisers, 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.

13. UNAUTHORIZED USE AND RESALE OF SERVICE

Any unauthorized reproduction, publication, further distribution or public exhibition of the materials provided in the
Service, in whole or in part, is strictly prohibited. You agree not to reproduce, duplicate, copy, sell, trade, resell or
exploit for any commercial purposes, any portion of the Service (including your password and ID), use of the
Service, or access to the Service.

14. INDEMNITY

You agree to indemnify and hold CreditManagementWorld.com LLC and its subsidiaries, affiliates, officers, agents,
employees, partners and licensors harmless from any claim or demand, including reasonable attorneys' fees, made
by any third party due to or arising out of your use of the Service, your connection to the Service, your violation of
the TCU, or your violation of any rights of another.

15. 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. CREDITMANAGEMENTWORLD.COM LLC AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS,
EMPLOYEES, AGENTS, PARTNERS AND LICENSORS EXPRESSLY DISCLAIM 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.

CREDITMANAGEMENTWORLD.COM LLC AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES,
AGENTS, PARTNERS AND LICENSORS MAKE 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; (iv)
THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIAL PURCHASED OR
OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS; AND (v) ANY ERRORS IN THE
SOFTWARE WILL BE CORRECTED.

ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS
ACCESSED AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY
DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY
SUCH MATERIAL.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM
CREDITMANAGEMENTWORLD.COM LLC OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY
WARRANTY NOT EXPRESSLY STATED IN THE TCU.

16. LIMITATION OF LIABILITY

YOU EXPRESSLY UNDERSTAND AND AGREE THAT CREDITMANAGEMENTWORLD.COM LLC AND ITS
SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS 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 CREDITMANAGEMENTWORLD.COM LLC 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; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY
ON THE SERVICE; OR (v) ANY OTHER MATTER RELATING TO THE SERVICE.

17. 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 15 AND 16 MAY NOT APPLY TO YOU.

18. NO THIRD-PARTY BENEFICIARIES

You agree that, except as otherwise expressly provided in this TCU, there shall be no third-party beneficiaries to this
agreement.

19. GENERAL

a. Entire Agreement. The TCU constitutes the entire agreement between you and CreditManagementWorld.com
LLC and governs your use of the Service, superseding any prior agreements between you and
CreditManagementWorld.com LLC with respect to the Service. You also may be subject to additional terms and
conditions that may apply when you use or purchase certain other CreditManagementWorld.com LLC services,
affiliate services, third-party content or third-party software.

b. Choice of Law and Forum. The TCU and the relationship between you and CreditManagementWorld.com LLC
shall be governed by the laws of the State of Maryland. You and CreditManagementWorld.com LLC agree to submit
to the personal and exclusive jurisdiction of the courts located within Charles County, Maryland.

c. Waiver and Severability of Terms. The failure of CreditManagementWorld.com LLC to exercise or enforce any
right or provision of the TCU shall not constitute a waiver of such right or provision. If any provision of the TCU 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 TCU
remain in full force and effect.

d.Non-Transferability. You agree that your CreditManagementWorld.com LLC account is non-transferable.

e. 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 TCU must be filed within one (1) year after such claim or cause
of action arose or be forever barred.

f. Section Titles. The section titles in the TCU are for convenience only and have no legal or contractual effect.