All pages copyright 2009 zEthics. All rights reserved.

These Terms of Use govern your access and use of this zEthics web site and its related sites (collectively, the "zEthics" Site). Please read these Terms of Use carefully before using the zEthics Site. By using the zEthics Site, you agree to these Terms of Use. If you do not agree to these Terms of Use, you may not use the zEthics Site.

For purposes of this zEthics Site, "zEthics" means The zEthics Corporation, its subsidiaries, affiliates, divisions, contractors and all of its and their data sources and suppliers. These Terms of Use are in addition to the specific terms and conditions that apply to the products or services offered by zEthics.

zEthics does not warrant the accuracy, completeness or timeliness of any of the data and/or programs ("Information") available at this zEthics Site. The Information is provided as is without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title or non-infringement.

In no event will zEthics or its affiliates be liable to any party for any direct, indirect, special, consequential or other damages for any use of or reliance upon the Information found at this Web Site, or on any other linked web site, including, without limitation, lost profits, business interruption, loss of programs or other data, even if zEthics is expressly advised of the possibility of such damages.

You will be responsible for the content of any material you enter on the zEthics Site. zEthics has no responsibility for the content of any messages or information posted by users, or for the content of information of third parties on the Internet, even if accessed through the zEthics Site. However, zEthics retains the right, which it may or may not exercise in its sole discretion, to review, edit or delete any material that zEthics deems to be illegal, offensive or otherwise inappropriate.

You may be able, through hypertext or other computer links, to gain access to other sites on the Internet that are not part of the zEthics Site. zEthics makes no representations, warranties or endorsements with respect to any web site that may be accessed from a zEthics Site. When you access a non-zEthics site, please understand that zEthics has no control over the content or information at that site. It is your responsibility to protect your system from such items as viruses, worms, Trojan horses and other items of a destructive nature.

zEthics, the zEthics logo and the zEthics services referenced in a zEthics Site are either trademarks, service marks, registered trademarks, copyrights or other intellectual property of zEthics or its affiliates ("zEthics IP"). Other products and company names mentioned in a zEthics Site may be the intellectual property of their respective owners. You may not use any zEthics IP without the consent of zEthics. You may not use, frame or utilize framing techniques to enclose any zEthics IP, including the images found at this zEthics Site, the content of any text or the layout/design of any page or form contained on a page without zEthics's consent. Except as noted above, you are not conveyed any right or license by implication, estoppel, or otherwise in or under any zEthics IP or the intellectual property of any third party.

zEthics has the right to amend these Terms of Use at any time and without notice to you. Such amendments shall be effective immediately upon posting. You agree to review the zEthics Site periodically to be aware of any such amendments. Your continued use of a zEthics Site after such amendments have been made shall constitute acceptance of the amendments.

No part of the zEthics Site may be reproduced, modified, or distributed in any form or manner without the prior written permission of zEthics; provided no such permission is necessary in connection with the fair use of excerpts of freely available (i.e., available to any visitor to the zEthics Site without any requirement of registration or payment of fees) factual information on the zEthics Site regarding descriptions of zEthics and its products and services.

You may not robotically or otherwise automatically harvest information from a zEthics Site.

You may access zEthics's Privacy Policy from the zEthics Site.

TERMS & CONDITIONS
As a user of the zEthics’ website, you agree to be bound by these Terms & Conditions.

zEthics' data and/or reports (the "zEthics Products") are licensed to you for your internal use only. The information posted on zEithics.com is provided and meant to be used solely as one factor in your investment, credit, insurance, marketing or other business decisions, and you will not use them to determine an individual's eligibility for employment. Furthermore, you agree that the information obtained from zEthics.com is non-material investment information and is intended to be used only as one factor, of many available, when making investment choices. You agree that investment decisions will not be made based solely upon the information provided by zEthics but that you will use the information provided by zEthics appropriately and legally within the confines of the securities laws and regulations.

By using zEthics and the information that may be obtained therefrom, you are expressly agreeing to hold zEthics harmless from any suit and/or legal responsibility that may arise because of said use.

You further agree that zEthics does not warrant the truth or veracity of any, and/or all, of the information posted on its site. By using any information obtained from zEthics you are expressly agreeing to hold harmless zEthics, along with its third party affiliate information providers, from any and all liability that may arise from use of such information.

You shall not reproduce, reveal, or make available the zEthics Products in whole or part to anyone else unless required by law. You acknowledge that the zEthics Products are subject to the copyright and other proprietary rights of zEthics and you will not commit or permit any act or omission that would impair such rights.

zEthics AND ITS AFFILIATES, THIRD PARTY SUPPLIERS and MARKETING PARTNERS (INCLUDING ITS LICENSORS AND RECEIVABLE MANAGEMENT SERVICES AND REFERRED TO HEREIN AS zEthics’S THIRD PARTY SUPPLIERS) DO NOT GUARANTEE OR WARRANT THE PRODUCTS OR THE SYSTEM IN ANY WAY. NEITHER zEthics NOR ITS THIRD PARTY SUPPLIERS SHALL BE LIABLE TO YOU FOR ANY LOSS OR INJURY ARISING OUT OF OR CAUSED, IN WHOLE OR IN PART, BY zEthics'S AND/OR ITS THIRD PARTY SUPPLIERS’ NEGLIGENT OR OTHER ACTS OR OMISSIONS IN PREPARING OR DELIVERING THE PRODUCTS OR SERVICES OR IN DOING ANYTHING RELATED THERETO. zEthics AND ITS THIRD PARTY SUPPLIERS WILL NOT BE LIABLE FOR CONSEQUENTIAL DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IF, NOTWITHSTANDING THE ABOVE, zEthics AND/OR ITS THIRD PARTY SUPPLIERS ARE HELD TO BE LIABLE THE AMOUNT OF SUCH LIABILITY SHALL NOT EXCEED $500.

If you have purchased a zEthics service you acknowledge and agree that zEthics will perform daily validations on your business file, and that zEthics may disable and/or discontinue the availability of your service if it determines, in accordance with its own internal processes and standards, that the subject business is out of business, presents a risk of potential fraudulent activity or has filed for Chapter 7 bankruptcy. In the event of fraud risk or Chapter 7 bankruptcy zEthics will disable and/or discontinue the availability of the applicable service immediately and notify you at the email address you provided upon product purchase. If zEthics determines your business is out of business, zEthics will notify you at the email address you provided upon product purchase and give you an opportunity to verify that your business is still active. If you are unable to provide such verification within the time frame set forth in such notice, then zEthics will disable and/or discontinue the availability of the applicable Service. If ZETHICS disables and/or discontinues the availability of your Service, it will discontinue billing you for the Service starting with the next monthly billing cycle after the Service is disabled or discontinued.

You represent and warrant that the information you have submitted to zEthics in connection with your application for Service or otherwise is true and correct, that you have the right to possess and use all such data, and that you will not use the Service or any other zEthics product or service in connection with any unfair or deceptive practices.

With respect to any information you submit in connection with your Service or otherwise, you, not zEthics, have sole responsibility for the accuracy, quality, completeness, appropriateness, and intellectual property ownership of, as well as any data protection obligations regarding, all such information. By submitting any information to us, you represent and warrant that such submission is accurate to your best knowledge, not confidential, and not in violation of any contractual restrictions or other third party rights. In addition, zEthics is not responsible or liable for the deletion, correction, destruction, damage, loss or failure to store any of the information you submit. You hereby grant a non-exclusive, irrevocable, worldwide, perpetual, unlimited, assignable, sublicenseable, fully paid up and royalty-free right to us to copy, prepare derivative works of, improve, distribute, publish, remove, retain, add, and use and commercialize, in any way now known or in the future discovered, anything that you submit to us, without any further consent, notice and/or compensation to you or any third parties.

Each membership plan provides free and/or discounted services, many of which provide twelve months of service coverage. Customers who cancel their subscription service within the first ninety days will be charged the full retail price for products and services ordered. The full annual coverage of these products will still be provided.

You agree to comply with applicable state, local, federal or foreign laws or regulations, including laws and regulations regarding telemarketing / email / fax marketing, customer solicitation, and privacy regarding the products and the collection, processing or transfer of information or software.

This agreement and performance hereunder shall be governed by and construed in accordance with the laws of the State of Delaware, U.S.A., and any action, suit or proceeding instituted hereunder shall be maintained in the courts of the State of Delaware, U.S.A., or the federal courts located in the State of Delaware, U.S.A., which courts shall have exclusive jurisdiction for such purposes.

You acknowledge that the products and services provided through this website are designed for the needs of institutional investors, fund managers, research analysts, market experts, insurance companies and publicly traded companies for traditional risk management and marketing services.

These Terms and Conditions and any associated service, pricing, return or cancellation policy may be amended by zEthics from time to time. Any amendment is effective upon either a posting of the latest version on the applicable zEthics.com web page, or upon notice by electronic mail or US mail. Notwithstanding any opt-in or opt-out preferences you may have expressed, zEthics reserves the right to notify you by email of changes to these Terms and Conditions. Your continued use of the ZETHICS Services following notice of any amendment to these Terms and Conditions shall be conclusively deemed an acceptance of such amendment.

Introductory free trials of zEthics’ services will be offered for 30 days or 90 days for qualifying customers opting for a trial in conjunction with their license of information products and/or services. At the expiration of the trial period and for each subsequent annual renewal, the applicable full annual license fee for services will be automatically charged to your credit card, unless you have called zEthics customer service to cancel prior to the expiration date of the trial or the then current annual term, and you authorize zEthics and/or its billing partner to use the contact and billing information you provided to charge such subscription.

REFUND & CANCELLATION
ZEthics, Inc. has no refund policy, as all sales are final.

You may cancel any order within 24 hours with prior written approval from zEthics, Inc. We cannot guarantee any order will be cancelled if it has already been submitted for processing.

BROWSER POLICY STATEMENT
We at zEthics, recognize the varied operating systems and Web browsers that our customers are using to access our site. While we continue to enhance our site to ensure the best possible customer experience, we also recognize the challenge of developing applications that will work well with all types of browsers and their associated versions.

We recommend using the newest Microsoft Internet Explorer version or newest Mozilla Firefox version.

Additionally, our site is best viewed with a screen resolution set to at least 1024x768.