Introduction

This Web site (the “Site”) is provided by MultiCard Concepts Inc. (“MCC”) and may be used for informational purposes only. By accessing and using the Site or downloading materials from the Site, you agree to abide by the rules (the “Rules”) set forth in this notice as well as all applicable laws. By accessing and using the Site, you accept and agree to the Rules without limitation or qualification, and acknowledge that any other agreements you may have with MCC are superseded by the Rules, to the extent any conflict exists.

MCC may at any time revise these Rules by updating this Agreement. You are bound by such revisions and should therefore visit this page to review the current Rules from time to time.

MCC reserves the right, without notice and for any reason, to remove any content on this site, and to deny access of any user or users to all or any part of this site. If you do not agree to abide by these Rules do not use the site or download materials from the site.

Limited License

Subject to the terms and conditions set forth in this Agreement, MCC grants you a non-exclusive, non-transferable, limited right to access, use and display this Site and the materials thereon. You agree not to interrupt or attempt to interrupt the operation of the Site in any way.

MCC authorizes you to view and download the information ("Materials") at this Site only for your personal, non-commercial use. This authorization is not a transfer of title in the Materials and copies of the Materials and is subject to the following restrictions: 1) you must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained in the Materials; 2) you may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose; and 3) you must not transfer the Materials to any other person unless you give them notice of, and they agree to accept, the obligations arising under these terms and conditions of use. You agree to abide by all additional restrictions displayed on the Site as it may be updated from time to time.

Copyrights, And Other Rights

You should assume that everything on the Site is copyrighted unless otherwise noted and that it must not be used except as provided in the Rules or with the express written consent of MCC. MCC NEITHER WARRANTS OR REPRESENTS THAT YOUR USE OF THE MATERIAL DISPLAYED ON THE SITE WILL NOT INFRINGE RIGHTS OF THIRD PARTIES. Any product, service, program, or technology described on the Site may be the subject of other intellectual property rights (including but not limited to copyright, trademark, or patent rights) owned by MCC. Any such right that is not expressly licensed herein is reserved by MCC.

Images of people or places displayed on the Site are either the property of, or used with permission by, MCC. Use of these images by you or other third parties is prohibited. Any unauthorized use of these images may violate copyright laws, trademark laws, the laws of privacy and publicity, and other applicable regulations and statutes.

Any product, service, program or technology described in any document published by MCC on this site may be the subject of other intellectual property rights owned by MCC. Any such right that is not expressly licensed hereunder is reserved by MCC.

Trademarks

The trademarks, logos, and service marks (collectively the "Trademarks") displayed on the Site are registered and unregistered Trademarks of MCC and others. Nothing contained on the Site should be construed as granting by implication, or otherwise, any license or right to use any Trademark displayed on the Site without the written permission of MCC or such third party that may own the Trademark. Misuse of any Trademarks, or any other content, displayed on the MCC site is prohibited. MCC aggressively enforces its intellectual property rights, including via civil and criminal proceedings.

Third Party Sites

As a convenience to you, MCC provides, on this Site, links to Web sites operated by other entities. If you use these sites, you will leave this Site. If you decide to visit any linked site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. MCC makes no warranty or representation regarding, and does not endorse, any linked Web sites or the information appearing thereon or any of the products or services described thereon. Links do not imply that MCC or this Site sponsors, endorses, is affiliated or associated with, or is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of MCC or any of its affiliates.

Information Provided By You

Any personally identifiable information you may provide to MCC via this Site is protected by the Privacy Policy associated with this Site. MCC does not want you to, and you should not, send any confidential or proprietary information to MCC via the Site. You agree that any information or materials that you or individuals acting on your behalf provide to MCC will not be considered confidential or proprietary. You further recognize that MCC does not want you to, and you warrant that you shall not, provide any information or materials to MCC that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material of another.

Disclaimer

THE MATERIALS MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. MCC DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE MATERIALS OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION DISPLAYED OR DISTRIBUTED THROUGH THE SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION SHALL BE AT YOUR SOLE RISK. MCC RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THE SITE. MCC MAY MAKE ANY OTHER CHANGES TO THE SITE, THE MATERIALS AND THE PRODUCTS, PROGRAMS, SERVICES OR PRICES (IF ANY) DESCRIBED IN THE SITE AT ANY TIME WITHOUT NOTICE.

THIS SITE, THE INFORMATION AND MATERIALS ON THE SITE ARE PROVIDED "AS IS" WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR ANY PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

YOUR USE OF THE VISA SITE IS AT YOUR OWN RISK. TO THE MAXIMUM EXTENT ALLOWED BY LAW, NEITHER MCC NOR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THE SITE IS LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, HOWEVER CAUSED, ARISING OUT OF YOUR ACCESS TO, USE OF, OR RELIANCE ON THE SITE, EVEN IF MCC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. FOR EXAMPLE, MCC ASSUMES NO RESPONSIBILITY FOR, AND WILL NOT BE LIABLE FOR ANY DAMAGES TO OR ANY VIRUSES WHICH MAY AFFECT YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY ON ACCOUNT OF YOUR ACCESS TO, USE OF, OR DOWNLOADING FROM, THE SITE. PLEASE NOTE THAT SOME JURISDICTIONS MAY RESTRICT OR DISALLOW THE EXCLUSION OF IMPLIED WARRANTIES OR LIMITATIONS OF LIABILITY, SO SOME OF THE ABOVE EXCLUSIONS AND LIMITATIONS MAY NOT APPLY TO YOU.

Limitations of Damages

IN NO EVENT SHALL MCC BE LIABLE TO ANY ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM) THAT ARE RELATED TO THE USE OF, OR THE INABILITY TO USE, THE CONTENT, MATERIALS, AND FUNCTIONS OF THE SITE OR ANY LINKED WEBSITE, EVEN IF MCC IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Legal Information

The Rules will be governed by and construed under the laws of the State of Texas, excluding only its conflict of law provisions. Each party to the Site Rules hereby submits to the exclusive jurisdiction of the courts within the State of Texas, and waives any jurisdictional, venue, or inconvenient forum objections to such courts.

Any failure by MCC to enforce any of its rights under the Rules or applicable laws shall not constitute a waiver of such right. If any provision of the Rules is found by a court of competent jurisdiction to be invalid, you, MCC, and the court shall endeavor to give effect to the intent reflected in that provision, and the remaining Rules provisions shall retain their full force and effect.

You agree to follow any applicable laws in your use of the Site. Among other things, United States and foreign export control laws regulate the export and re-export of technology originating in the United States and such foreign countries. You will abide by these laws and regulations as applicable and will not transfer, directly or indirectly, by electronic transmission or otherwise, any content from the Site to or from any countries or foreign nationals in violation of such laws or regulations.