TERMS AND CONDITIONS OF USE
PLEASE READ THE FOLLOWING TERMS AND CONDITIONS OF USE (“Terms and Conditions”) RELATING
TO YOUR USE OF OUR WEBSITE CAREFULLY. By using this Website, you agree to be legally bound to
these Terms and Conditions. We reserve the right, in our sole discretion, to change, modify, add or remove
portions of these Terms and Conditions at any time. From time to time, we may supplement these Terms and
Conditions with additional terms and conditions pertaining to specific content, activities or events (“Additional
Terms”). You should periodically check these Terms and Conditions for changes. Such Additional Terms may
be placed on the Website to be viewed in connection with the specific content, activities, features or events
and shall be identified as such. You understand and agree that such Additional Terms are hereby
incorporated by reference into these Terms and Conditions. Your continued use of this Website following the
posting of any amendment, modification or change to this statement shall constitute your acceptance thereof,
whether or not you have reviewed them. If you do not agree to these Terms and Conditions, you should not
use our Website and you should arrange to cancel your registered user account with us.
1. General Terms of Use
Your use of the Website including any content and software contained therein signifies your understanding
and agreement that such use is entirely at your own risk. If you do not comply with these Terms and
Conditions at any time, we reserve the right, if applicable, to terminate your password, user account, and/or
access to this Website (or any part thereof) and/or bar any future access to such information and/or files,
and/or our Website. You agree that any termination or cancellation of your access to, or use of, the Website
may be effected without prior notice. Further, you agree that we shall not be liable to you or any third-party for
any termination or cancellation of your access to, or use of our Website. In our sole discretion and without
prior notice or liability, we may discontinue, modify or alter any aspect of the Website, including, but not limited
to, (i) adding or removing content or links to third party websites, (ii) restricting the time the Website is
available, (iii) restricting the amount of use permitted, and (iv) restricting or terminating any user’s right to use
the Website.
2. Restrictions on Use of Materials
We grant you a non-exclusive, non-transferable, limited right to access, use and display this Website and the
material provided herein for your personal, noncommercial use on an “AS IS” basis, provided that you fully
comply with the provisions of these Terms and Conditions. You agree and acknowledge that Small Business
Empowerment Circle (the “Company”) is the sole owner of the Website and service, including without
limitation, all applicable U.S. and non-U.S. copyrights, patents, trademarks, and trade secrets, and other
intellectual property rights thereto. Except as otherwise specifically provided in these Terms and Conditions,
you may not modify, publish, transmit, download, distribute, or in any way exploit, create derivative works of
any of the Content of this Website, in whole or in part for any purpose. You may, however, print a copy of
individual screens appearing as part of the Website solely for your personal use. When Content is
downloaded to your computer, you do not obtain any ownership interest in such Content. Modification of the
Content or use of the Content or use of the Content for any other purpose, including, but not limited to, use of
any Content in printed form or on any other website or networked computer environment is strictly prohibited
unless you receive our prior written consent.
All title and intellectual property rights in and to the content of any third party web Website which may be
linked to or viewed in connection with the Website is the property of the respective content owner and may be
protected by applicable copyright, patent, trademark or other intellectual property laws and treaties. Our
commercial partners, suppliers, advertisers, sponsors, licensors, contractors and other third parties may also
have additional proprietary rights in the Content which they make available on this Website. This Agreement
grants you no rights to use such content except as allowed, and subject to the rights of any such third party.
3. Becoming a Registered User
We welcome you to our Website. If you elect to become a registered user of this Website, you agree to
provide us with true, accurate and complete information about yourself. Without limiting any other provision of
these Terms and Conditions, if you provide any information that is untrue, inaccurate, or incomplete, or we
have reasonable grounds to suspect that such is the case, we reserve the right to suspend or terminate your
user account and refuse any and all current or future use of this Website (or any portion thereof). However, if
you choose not to register, you may be precluded from using certain products, offerings, features, or
resources of this Website.
4. Privacy and Security
We are committed to protecting your privacy and security. For more information, you should review our
Privacy Policy, which is incorporated by reference into these Terms and Conditions. We will take all
reasonable steps to insure the safety of your personally identifiable information. It is understood that other
websites or links posted on Small Business Empowerment Circle may contain links to other websites for which
the Company is not responsible for the privacy practices or the content of such websites.
5. Information Sharing
• We do not rent or sell your personal identifying information to other companies or individuals, unless we
have your consent. We may share such information in any of the following limited circumstances:
o We have your consent.
o We provide such information to trusted businesses or persons for the sole purpose of processing
personally identifying information on our behalf. When this is done, it is subject to agreements that oblige
those parties to process such information only on our instructions and in compliance with this Privacy Policy
and appropriate confidentiality and security measures.
o We conclude that we are required by law or have a good faith belief that access, preservation or
disclosure of such information is reasonably necessary to protect the rights, property or safety of Small
Business Empowerment Circle, its users or the public.
• If you have an account, we may share the information submitted under your account among all of our
services in order to provide you with a seamless experience and to improve the quality of our services. We will
not disclose your account information to other people or non-affiliated companies, except in the limited
circumstances described herein or with your consent.
• We may store and process personal information collected on our site in the United States or any other
country in which Small Business Empowerment Circle or its agents maintain facilities. By using our services,
you consent to the transfer of your information among these facilities, including those located outside your
country.
• In the event of a transfer of ownership of USChambers-Online.com, such as acquisition by or merger
with another company, we will provide notice before any personally identifying information is transferred and
becomes subject to a different privacy policy.
• We may share aggregated information with others such as how many users clicked on a particular
advertisement.
6. Self-Publishing Or Created Content
Although we do not have any obligation to monitor any self-published or created content posted on
USChambers-Online.com, we reserve the right at all times to remove any information or materials that are
unlawful, threatening, abusive, libelous, defamatory, obscene, vulgar, pornographic, profane, indecent or
otherwise objectionable to us, in our sole discretion, and to disclose any information necessary to satisfy the
law, regulation, or government request. We also reserve the right to permanently block any registered user
who violates these Terms and Conditions.
7. User Conduct
You acknowledge that all Content and all information, software, photos, video, text, graphics, music, sounds,
questions, creative suggestions, messages, comments, articles and other materials posted, created, emailed,
or otherwise transmitted to or on this Website, (collectively, the “Postings”), are the sole responsibility of the
person who made such Postings. This means that you are entirely responsible for all such Content and, as
such, we do not guarantee the accuracy, integrity or quality of such Postings. Although we have adopted
standards and user conduct guidelines for this Website (as described below), you understand that by using
this Website, you may be exposed to Postings that are offensive or objectionable. Under no circumstances will
we be liable in any way for any Postings (other than for Content developed by us), including, but not limited to,
for any errors or omissions in any Postings, or for any loss or damage of any kind incurred as a result of the
use of any Postings posted, emailed or otherwise transmitted to or through this Website.
You agree not to use this Website to:
a. Upload, post, email, create or otherwise transmit any Postings or other materials that are unlawful,
harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another’s
privacy, profane, hateful, sexually, racially, ethnically or otherwise objectionable (in our sole discretion);
b. Harm, disparage, harass or abuse minors in any way;
c. Impersonate any person or entity, including, but not limited to, any director, officer, employee,
shareholder, state or otherwise misrepresent your affiliation with the Company and its affiliates;
d. Forge headers or otherwise manipulate identifiers in order to disguise the origin of any Postings or
other materials transmitted to or through this Website;
e. Upload, post, email, create or otherwise transmit any Postings or other materials that you are not
authorized to by virtue of any law, contractual or fiduciary relationships (such as insider information,
proprietary and confidential information learned or disclosed as part of employment relationships or under
nondisclosure agreements);
f. Upload, post, email, create or otherwise transmit any Postings or other material that infringe upon any
patent, trademark, trade secret, copyright, right of privacy or publicity or other proprietary rights of the
Company or any third party subscribers or providers;
g. Upload, post, email, create or otherwise transmit any unsolicited or unauthorized advertising,
promotional material, “junk mail,” “spam,” “chain letter,” “pyramid schemes,” or any other form of commercial
solicitation, or other materials that contain 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;
h. Interfere with or disrupt this Website or servers or networks connected to this Website, or disobey any
requirements, procedures, policies or regulations of networks connected to the Website;
i. Intentionally or unintentionally violate any applicable local, state, national or international law, including,
but not limited to, any law, rules or regulations having the force of law; and
j. “Stalk” collect, store personal data or attempt to collect or store personal data about other users of the
Website or otherwise harass another user or employee of this Website. Your privilege to use this Website
depends on your compliance with the user conduct guidelines set forth above. We reserve the right to revoke
your privileges to use all or a portion of this Website and/or take any other appropriate measures to enforce
these user conduct guidelines if violations are brought to our attention.
8. Submissions
If you voluntarily provide unsolicited materials you understand that it will not be deemed confidential or secret.
By submitting or sending information or other material to Small Business Empowerment Circle:
a. Warrant that you have all ownership and intellectual property rights to the material and that to the best
of your knowledge no other party has any rights to the material or any ownership and/or intellectual property
rights superior to yours; and
b. Unless otherwise stated, you expressly grant the Company an unrestricted, perpetual, irrevocable
license to use, reproduce, copy, display, perform, modify, transmit and distribute the material, and you further
agree that the Company is free to use any ideas, know-how, concepts or techniques you send us for any
purpose, without any compensation to you or any other person.
9. Parental or Guardian Permission
We strongly recommend that children between the ages of 13 and 18 ask for their parent’s or guardian’s
permission before viewing our Website.
10. Third Party Websites
These Terms and Conditions apply only to this Website, and not to any third party websites. Small Business
Empowerment Circle permits you to link to third party websites which is provided only as a convenience and is
not to be considered as an endorsement of, approval of, or affiliation with the third party websites. The
contents of such third party websites are not reviewed, controlled or examined by Small Business
Empowerment Circle in any way. You further acknowledge and agree that, under no circumstances will the
Company be held responsible or liable, directly or indirectly, 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 content, advertisements,
products or other resources available on any other website (regardless of whether we directly or indirectly link
to such content, advertisements, products or other resources). You are solely responsible for your compliance
with the appropriate terms and conditions for use of the third party websites as well as with any other
obligation under copyright, trademark, patent, secrecy, defamation, decency, privacy, security and export laws
related to the use of such third party websites and any content contained thereon. Small Business
Empowerment Circle may at its sole discretion add, change, decline or remove, without notice, any feature or
link to any of the third party websites from the Small Business Empowerment Circle Website and/or introduce
different features or links to different users.
11. Limitation of Liability
YOUR UNDERSTAND AND EXPRESSLY AGREE BY YOUR CONTINUED USE OF THIS WEBSITE THAT IN NO
EVENT THE COMPANY, AND/OR ITS AFFILIATES, SUBSIDIARIES, OFFICERS OR DIRECTORS,
EMPLOYEES, PARENTS, SUCCESSORS AND ASSIGNS, WILL BE LIABLE TO ANY PARTY FOR ANY
DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE OR ANY OTHER
DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS,
GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF WE HAVE BEEN ADVISED OF THE
POSSIBILITY OF SUCH DAMAGES), ARISING OUT OF, OR RESULTING FROM: (A) THE AVAILABILITY USE,
RELIANCE ON, OR INABILITY TO USE THE WEBSITE, SOFTWARE OR SERVICE; (B) THE USE OF ANY
CONTENT OR OTHER MATERIAL ON THE SMALL BUSINESS EMPOWERMENT CIRCLE WEBSITE OR ANY
WEBSITE LINKED TO THE SMALL BUSINESS EMPOWERMENT CIRCLE WEBSITE; (C) 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 THIS WEBSITE; (D) UNAUTHORIZED ACCESS TO OR ALTERATION
OF YOUR TRANSMISSIONS OR DATA; (E) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON OUR
WEBSITE; OR (F) ANY OTHER MATTER RELATING TO OUR WEBSITE.
IN NO EVENT SHALL THE COMPANY’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND
CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE),
OR OTHERWISE) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING OUR WEBSITE. IF YOU
ARE DISSATISFIED WITH ANY PORTION OF OUR WEBSITE, OR WITH ANY OF THESE TERMS AND
CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS THE DISCONTINUATION OF YOUR USE OF THIS
WEBSITE.
12. Disclaimers of Warranties
THE PRODUCTS, OFFERINGS, CONTENT AND MATERIALS ON THIS WEBSITE ARE PROVIDED “AS IS” AND
WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES,
EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY
AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, COMPATIBILITY, SECURITY, ACCURACY OR
NONINFRINGEMENT.
NEITHER THE COMPANY, ANY OF OUR AFFILIATES OR SUBSIDIARIES, NOR ANY OF OUR OR THEIR
RESPECTIVE LICENSORS, LICENSEES, SERVICE PROVIDERS OR SUPPLIERS WARRANT THAT THIS
WEBSITE OR ANY FUNCTION CONTAINED IN THIS WEBSITE WILL BE UNINTERRUPTED OR ERROR-FREE,
THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEBSITE OR THE SERVERS THAT MAKE THIS
WEBSITE AVAILABLE ARE FREE OF VIRUSES, WORMS, TROJAN HORSES OR ANYTHING ELSE
MANIFESTING CONTAMINATING OR DESTRUCTIVE PROPERTIES OR OTHER HARMFUL COMPONENTS.
THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY THE SOFTWARE,
SERVICE OR WEBSITE, INCLUDING WITHOUT LIMITATION AS A RESULT OF ANY FAILURE OF
PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR
TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR
UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF
CONTRACT, TORT, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. THE COMPANY DOES
NOT WARRANT OR GUARANTEE THAT ALL SOFTWARE VERSIONS SHALL BE PROVIDED WITH SIMILAR
GRADES AND LEVELS OF SERVICE, FEATURES, FUNCTIONALITY AND THE ABILITY TO USE THE
SOFTWARE OR THE SERVICE.
ANY PRODUCT, OFFERING, CONTENT OR MATERIAL DOWNLOADED OR OTHERWISE OBTAINED
THROUGH THE USE OF THIS WEBSITE IS DONE AT YOUR SOLE RISK AND YOU WILL BE SOLELY
RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS
FROM DOWNLOAD OF ANY SUCH PRODUCT, OFFERING, CONTENT OR MATERIAL.
FURTHER, PLEASE NOTE THAT NO ADVICE OR INFORMATION, OBTAINED BY YOU FROM OUR
PERSONNEL OR THROUGH THIS WEBSITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY PROVIDED
FOR IN THESE TERMS AND CONDITIONS.
13. Indemnification
You agree to defend, indemnify, hold harmless the Company, and its affiliates or subsidiaries, their officers,
directors, employees, stockholders, agents and representatives from any and all claims, liability, damages
and/or costs (including, but not limited to, reasonable attorneys fees) and expenses arising from your
improper use of this Website or our products or offerings, your violation of these Terms and Conditions, or
your infringement, or the infringement or use by any other user of your account, of any intellectual property or
other right of any person or entity, or the creation, placement or transmission of any message, information,
software or other materials through the Website by you or users authorized by you.
14. Assignment
You shall not transfer, assign, sublicense nor offer in any manner whatsoever, any of your rights or
obligations under this Agreement. The Company may transfer, assign, sublicense or offer in any manner
whatsoever, any of its rights and obligations under this agreement to a subsidiary, affiliate, or successor
thereof or to any third party whatsoever, without notifying you or receiving your consent.
15. Copyright Complaints
We respect the intellectual property of others, and we ask that you do the same. We may at our discretion, in
appropriate circumstances, terminate the rights of any user to use our Website (or any part thereof) who
infringe the intellectual property rights of others.
16. Your Password and User Account.
If you are a registered user or subscriber of this Website, you are entirely responsible for maintaining the
confidentiality of your password and user account information. You must notify us immediately in the event of
any known or suspected unauthorized use of your user account, or any known or suspected breach of
security, including loss, theft, or an authorized disclosure of you or anyone else’s password. You are entirely
responsible for any and all activities which occur under your user account or any other breach of security
known to you.
17. Governing Law and Choice of Forum
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of
Maryland, without giving effect to any principles of conflicts of law. You understand and agree that your use of
this Website may be subject to other local, state, national, and international laws. You expressly agree that
any action at law or in equity arising out of or relating to your use of this Website or these Terms and
Conditions shall be filed only in the state or federal courts located in Miami-Dade County in the State of
Maryland. You further agree and expressly consent to the exercise of personal jurisdiction in the courts of the
State of Maryland, in connection with any such dispute and including any claim involving the Company or its
affiliates, subsidiaries, employees, contractors, officers, directors, telecommunication providers and content
providers.
You agree to abide by U.S. and other applicable foreign laws and not to transfer by electronic transmission or
otherwise, any content or software subject to restrictions under such laws to a national or other destination
prohibited under such laws, without first obtaining, and then complying with, any requisite government
authorization. You further agree not to upload to or through the Website any data or software that cannot be
exported out of the United States without prior written government authorization, including but not limited to,
certain types of encryption software. The above assurance and commitment shall survive termination of this
Terms and Conditions.
18. Miscellaneous Terms
In any action against you arising from the use of this Website, the prevailing party shall be entitled to recover
all legal expenses incurred in connection with the action, including but not limited to its costs, both taxable and
non-taxable, and reasonable attorney’s fees.
If any provision of these terms shall be unlawful, void, or for any reason unenforceable, then that provision
shall be deemed severable from these terms and shall not affect the validity and enforceability of any
remaining provisions. These Terms and Conditions, together with the Subscription Agreement (if applicable),
are the entire agreement between you and us relating to the subject matter herein. These Terms and
Conditions may be modified only by our posting of changes to these Terms and Conditions on this Website.