By using a Global Merchant site, you are deemed to have agreed to all terms, conditions, use, and notices contained or referenced herein (the "Terms of Use"). Global Merchant reserves its right, at its discretion, to update or revise these Terms of Use. You should check these terms and conditions periodically for changes. By using a Global Merchant site after post any changes to these terms and conditions, you agree to accept those changes, whether or not you have reviewed them.

Scope of Use
These terms and conditions apply to your use of all of the sites and services owned or operated by Global Merchant, and affiliated companies. Unless we say otherwise, all references to the Global Merchant sites in these terms and conditions include all such sites. These terms and conditions do not apply to your use of unaffiliated sites to which any of the Global Merchant sites only links.

Restrictions on Use of Materials
The content of this site and any other Global Merchant site is protected by copyright and trademark laws, and is the property of Global Merchant. Materials located with Global Merchant sites may be accessed only for your business' use. You agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit or create works from such materials or content or in any way exploit the material or content of a Global Merchant site. This means, you may download copies of posted materials for business use only, so long as you neither change nor delete any author attribution, trademark, legend or copyright or other proprietary notices. When you download copyrighted material, you do not obtain any ownership rights in that material. As noted above, reproduction, copying, or redistribution of any material within a Global Merchant site is strictly prohibited without the express written permission of Global Merchant. You also may not, without Global Merchant's permission, "mirror" any materials contained within any Global Merchant site or any other service. Any unauthorized user of any material contained within any Global Merchant site may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

The information, materials, products and services within Global Merchant websites are subject to change. Not all products and services are available in all geographic areas. Your eligibility for particular products or services is subject to determination by and approval of Global Merchant and/or affiliated companies.

These terms and conditions apply only to the Global Merchant sites, and not to the sites of any other companies or organizations, including those to which any of the Global Merchant sites may link. We are not responsible for the availability of any other site to which any of the Global Merchant. Sites links. We do not endorse or take responsibility for the contents, advertising, products or other materials made available through any other site. Under no circumstances will we 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, goods or services available on any other site. You should direct any concerns to that site's administrator or web master. Permission must be granted by Global Merchant for any type of link to any Global Merchant site. To seek permission, submit your request in writing to: Web Marketing Manager, C/O Global Merchant, 219-46 93rd Avenue Suite 4C Queens Village, NY 11428 We reserve the right, however, to rescind any permission granted by us and to require termination of any such link to any of the Global Merchant sites, at our discretion at any time.

The services, products, information, materials, and functionality on any Global Merchant site are provided "AS IS" and without warranties of any kind, either express or implied, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus or other harmful components, is given in conjunction with the information, materials, products and services. Neither Global Merchant nor any of its affiliated companies warrant the accuracy, adequacy, completeness or timeliness of information, materials, products and services, or functionality on a Global Merchant site or the error free use of a Global Merchant site.

Neither Global Merchant nor any of its affiliated companies nor any of its or their respective licensors or suppliers warrant or make any representations regarding the use or the results of the use of the services, products, information, materials and functionality within a Global Merchant site in terms of correctness, accuracy, reliability or otherwise.

Global Merchant is not a party to, and does not monitor, any transaction between users and third party providers of products or services.

Limitations on Liability
We will, under no circumstances, be liable for any damages, losses, or liabilities including without limitation, direct or indirect, incidental or consequential damages, losses, or liabilities, in connection with your use of a Global Merchant site or your reliance on or use or inability to use the information, materials, products, services, or functionality on this site, or in connection with any failure of performance, error, omission, interruption, defect, delays in operation or transmission, computer virus or line or system failure, even if Global Merchant is advised of the possibility of such damages, losses, or expenses.

Global Merchant is committed to protecting the security of our users. At Global Merchant sites, we always use industry-standard security technologies when transferring and receiving customer data exchanged within our website. Please keep in mind, however, that no data transmission over the Internet or any wireless network can be guaranteed to be 100% secure. As a result, we cannot guarantee the security of any information you transmit using our website and you transmit such information at your own risk. Global Merchant further does not assume responsibility for use or disclosure of your information that are the result of unauthorized or illegal access to our systems or those of our vendors or partners.

Global Merchant is not responsible for the content of third party sites hyperlinked from this page, nor does it guarantee the products or services offered on third party sites. Your use of the hyperlinks is at your own risk. You should review the privacy statement of a web site before you provide personal or confidential information.

Applicable Law
Your use of this web site is governed by the State of New York and applicable federal laws.

Your Acceptance of These Terms
By using any of the Global Merchant sites, you acknowledge that you have read, understood, and agree to be bound by the Terms of Use. Please review the site's Terms of Use, and if you do not agree to the terms, do not use this site. Your continued use of any Global Merchant sites following the posting of changes to these terms will mean that you accept those changes.

(Last modified March 15, 2008)