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Effective from and Last Updated on: 28 June 2014

This Terms of Use agreement (the "Agreement") describes the terms and conditions applicable to your use of the CoBiz.com website (the "Site"). This Agreement is entered into between you as the user of the Site (the "User") and CoBiz.com ("CoBiz.com").
CoBiz.com makes available a variety of products and services through this Site, any and all use of this Site and/or use of features, products and services of this Site is subject to these Terms of Use.
For the consideration of this Terms of Use Agreement, a User is any person who accesses the Site for whatever purpose, regardless of whether such User has not registered with CoBiz.com or has registered with CoBiz.com. A User is considered as a "Member" after completing registration process. A User includes the person and any legal entity which may be represented by such person under actual or apparent authority using this Site.
By accessing or using this Site, CoBiz.com, you, the User, agree, without limitation or qualification, to be legally bound by and to comply with the Terms of Use contained herein. Because the Terms of Use contain legal obligations, please read them carefully before using CoBiz.com. If you do not accept all of the Terms of Use Agreement, please do not use this Site.
CoBiz.com reserves all the rights and authorities to modify and update these Terms of Use at any time, without prior notice, by updating this posting. Any posted changes are effective immediately after posting and your continued use of the Site constitutes your agreement that you've read all of these Terms of Use, acceptance that you respect them in their entirety and its amendments.
Conditions and Restrictions on Usage
Use of this Site and its products and services is subject to compliance with these Terms of Use. You acknowledge and agree that CoBiz.com may terminate your access to the Site or usage of any of the features, products and services provided by CoBiz.com, should you fail to comply with the Terms of Use. Any such termination shall be in CoBiz.com's sole discretion and may occur without prior notice or any notice.
CoBiz.com further reserves the right to terminate any User's access to the Site or to any of the products and services provided, for any conduct that in its sole discretion CoBiz.com believes is or may be directly or indirectly harmful to other Users, to CoBiz.com or its subsidiaries, affiliates or business contractors or to other third parties or for any conduct that violates any local or international laws or regulations.
Access to the Site and access or usage of certain features of the Site are provided to all Users free of charge. And access or usage of certain features, products and services of the Site are provided to the Members (registered users) free of charge. However, CoBiz.com reserves the right to limit, deny or create different access(es) to the Site and its features with respect to different User types, without any or prior notice. CoBiz.com also reserves the right, without prior notice or any notice, to change any of the Site.
CoBiz.com reserves the right to deny any User's access to the Site or the right to deny any User to accept as Member for whatever reason in order to protect CoBiz.com's interests.
The User, by accepting these Terms of Use, acknowledges that in no event shall CoBiz.com be liable to the User or any third parties for any inability to use the Site, whether due to disruption, limited access, changes to or termination of any features on the Site or otherwise, and for any delays, errors or omissions with respect to any communications or transmission, or any damage arising from the use of the Site. CoBiz.com cannot be held responsible also for the inability of the User to use the Site or any of its features.
Copyrights and Licenses
All the Site contents, such as all the information at CoBiz.com including, but not limited to, text, graphics, logos, icons, and images belong to CoBiz.com are expressly managed by CoBiz.com. The compilation and the design of the Site contents and the contents on the Site is the sole property of CoBiz.com and is protected by Copyright and Trademark Laws.
This Site or any portion of this Site cannot be reproduced, duplicated, copied, sold, resold or otherwise exploited for any commercial purpose without written permission by CoBiz.com or the third party content provider to CoBiz.com. The User, by accepting these Terms of Use, agrees and acknowledges that it will not copy, reproduce or download any information, text, images, video clips, directories, files, databases or listings available on the Site, for the purpose of re-selling or re- distributing the Site content, mass mailing, or otherwise commercially exploiting the Site content without written permission from CoBiz.com.
The User further agrees to grant to CoBiz.com a non-exclusive and royalty free right to sublicense, reproduce, transmit, distribute, create any derivative works, publicly use, reuse or display any materials or information the User publishes, transmits or provides to CoBiz.com by any means.
By the User's acceptance of the Terms of Use, the User also grants to CoBiz.com all the rights to use its name or company information in connection with the submitted materials and other information as well as in connection with any or all the advertising, marketing and promotional materials related thereto.
The Function of the Site
Through the Site, CoBiz.com provides an electronic web-based platform for exchanging information between buyers and sellers of goods and services for other goods and services without using money. CoBiz.com, the Site, acts as a venue for users to locate people to exchange/barter and to negotiate the quality of goods and services. Yet, CoBiz.com is not certainly involved in the actual transaction between exchanging/bartering parties. CoBiz.com does not represent the seller or the buyer in any transactions and does not charge any commissions from the parties of transactions. As a result, CoBiz.com has no control over and is not responsible for the quality, safety, availability or legality of the provider's items to exchange/barter, the truth or accuracy of the items and their information, the ability of buyers and sellers to fulfil their obligations in any exchange/barter agreement.
Users are solely responsible for all of the transactions conducted on, through or as a result of use of the Site, including, without limitation, terms regarding payment, returns, warranties, shipping, insurance, fees, taxes, licenses, fines, handling, transportation and storage.
The User, hereby, agrees and acknowledges that there may be risks of dealing with people acting under false pretences. Because the user verification on the Internet is difficult, CoBiz.com cannot and does not confirm each User's registered personal or company information.
Because CoBiz.com is not involved in the actual transaction between buyers and sellers, in the event that any user has a dispute with any party to a transaction, the User releases and agrees to indemnify CoBiz.com from all claims, costs, expenses, demands and damages, actual and consequential, of every kind and nature, known and unknown, suspected and unsuspected, disclosed, arising out of or in any way connected with such disputes.
Third Party Content
The User acknowledges and agrees that most of the content like data, files, texts, graphics, photos, videos, logos, banners, advertising materials and other content materials, displayed on this Site is provided or posted by third parties or other Users. Any content provided or posted by third parties or other Users, whether publicly posted or privately transmitted, is the sole responsibility of the party or the person from which such content originated. In other words, the User, and not CoBiz.com, is entirely responsible for all content that he/she uploads, posts, emails or otherwise transmits via the features and services provided by CoBiz.com.
CoBiz.com does not control the User or third party content posted via the products and services. As such CoBiz.com is not responsible for and does not guarantee the accuracy, integrity, quality, propriety or lawfulness of any third party or User content, and shall not be liable to any User in connection with such User's reliance of such third party content. In addition, CoBiz.com is not responsible for the conduct of any User's activities on the Site, and shall not be liable to any person in connection with any damage suffered by any person as a result of such User's conduct. As a general condition, although CoBiz.com reserves the right to do so, CoBiz.com does not pre-screen User or third party content posted on this Site. CoBiz.com does not guarantee that any screening will be done to your satisfaction or that any screening will be done at all. CoBiz.com reserves the right to monitor some, all, or no areas of the features, products and services for adherence to these Terms of Use.
This Site may contain hyperlinks in the form of word link, banners or otherwise, to other websites that are controlled by parties other than CoBiz.com. Users must be aware that CoBiz.com is not responsible for any use of such other websites, even when said website is accessed through a link from the CoBiz.com. CoBiz.com does not control these websites, does not monitor such sites and bears no responsibility or liability for, nor should CoBiz.com be deemed in any way to endorse or approve of, the contents, products, services and information on the linked website. CoBiz.com encourages you to read such sites' Terms of Use and Privacy Policies before using such websites. Users must be aware that messages or information sent by other Users through communication systems provided by the Site or through emails and fax or letters to addresses obtained from the Site is out of CoBiz.com's control and monitoring ability and so the User acknowledges that CoBiz.com cannot be held responsible or liable for the content of these messages and information. The message sender shall be responsible for the content of all the messages communicated, as well as the consequences of any such message.
Users acknowledge and agree that by using the features, products and services provided in this Site, a user may be exposed to content that is offensive, indecent or objectionable. Under no circumstances will CoBiz.com be liable in any way for any user or third party content, including, but not limited to, for any errors or omissions in any such content, or for any loss or damage of any kind incurred as a result of the use of any such content posted, emailed or otherwise transmitted via the features, products and services provided by the Site.
Registration and Membership
Certain products and services of the Site will require the User to register. The User must fill out some online registration forms to become a "Member" of CoBiz.com. These forms contain information about the member and its company such as name, address, contact information, details of business, etc. As registering for the Site, you, the User, agree that; you have provided true, accurate, valid and complete information about yourself or company you represent and you also agree that you will promptly update the member information to keep it true, accurate, valid, and complete when changes occur. Users may edit, update or alter their personally identifiable information at any time by using the tools provided by the Site.
If the User provides or attempts to give any information, that is untrue, inaccurate, invalid, or incomplete, CoBiz.com has the rights and authorities to suspend or terminate User's registration and refuse any or all use of CoBiz.com and its features, products and services. If you have registered for CoBiz.com on behalf of a business entity or a company, you represent and warrant that you have the authority to bind such entity or company to the Terms of Use and the address you use is the principal place of business of such business entity.
All information given through registrations becomes the exclusive property of CoBiz.com and its subsidiaries. By becoming a Member, you consent to the inclusion of your personal and business data in CoBiz.com's database and authorize CoBiz.com to share business data with other Users and Members. CoBiz.com reserves the right to use and reuse all registration and other personally identifiable user information.
For more details about sharing and using information, please refer to our Privacy Policy which governs the protection and the use of User information in CoBiz.com's possession. The User hereby accepts the Privacy Policy and any updates and amendments thereto. The User acknowledges that CoBiz.com may change the Privacy Policy, without prior notice, by posting the updated version on this Site. Your continuation of use of the Site shall be deemed to be your acceptance of the Privacy Policy and its amendments.
Members may be allotted some telecommunication means including but not limited to email account, audio or visual meeting facilities, making inquiries, etc. The member shall not use these facilities for junk mail, chain letters or spamming or the transmission of any unlawful, harassing, abusive, threatening, harmful, vulgar, indecent, obscene or otherwise objectionable material of any kind. The User acknowledges that CoBiz.com may and has the authority to refuse registration and deny the issuance of Member ID and Password to any User for whatever reason.
By filling out registration forms, the Member is assigned a User ID and a password, which the Member chooses for logging in its account. Members are responsible for maintaining the confidentiality of the User ID and password, and are fully responsible for all activities that occur under that User ID or password. So you, the Member, must ensure that you log out from your account at the end of each session. CoBiz.com cannot be and will not be liable for any loss or damage arising from your failure to comply with these requirements.
Fees
All services provided by CoBiz.com are free of charge.
CoBiz.com may at its sole discretion add to, delete, or change some or all of the contents of the Site or its functionality, or change the fees policy for using the Site at any time.
Rules of Conduct
By using CoBiz.com, the User hereby warrants and agrees to provide CoBiz.com with true, accurate, current and complete information to be displayed on this Site and maintain and promptly amend all information to keep it true, accurate, current and complete.
The User hereby grants an irrevocable, perpetual, worldwide and royalty-free, sub-licensable license to CoBiz.com, to display, use and reuse all information provided by such User in accordance with the purposes set forth in these Terms of Use and to exercise the copyright, publicity, and database rights the User has in such material or information, in any media known.
The User hereby represents, warrants and agrees that it has obtained all necessary third party copyright or trademark licenses and permissions and shall be solely responsible for ensuring that any material or information it posts on the Site or provides to CoBiz.com or authorizes CoBiz.com to display, or the products represented thereby, do not violate the copyright, trademark, trade secret or any other personal or proprietary rights of any third party, or is posted with the permission of the owners of such rights.
Any of the following is automatically considered a material breach of these Terms of Use and forfeiture of any or partial access to the Site and/or its products and services: - Using the Site in violation of local, national, or international laws; - Violating any ordinance or regulation including without limitation, those governing export control, consumer protection, unfair competition or false advertising - Posting, uploading, emailing or transmitting any trade leads, information, data, text, files, links, chat, communication, or any other materials or any content that are unlawful, harmful, illegal, threatening, abusive, intruding another's privacy, slanderous, vulgar, racist, embarrassing or otherwise objectionable to any other person or entity as determined by CoBiz.com in its sole discretion - Collecting or storing personally identifying information about other users for unlawful or unauthorized purposes - Being obscene or containing any pornography or sex-related merchandising or any other content or otherwise promoting sexually explicit materials - Being harmful to minors - Impersonating any person or providing false information on your registration form - Posting or transmitting any unsanctioned advertising, promotional materials, including junk mail, spam, chain letters or any unsolicited mass distribution of email - Posting or transmitting any data or material which contains computer viruses, corrupted files or any other similar destructive software and codes that may damage or have the effect of interfering with or intercepting any software or hardware system, data or personal information - Posting material that infringes on the intellectual property rights, copyright, patent, trademarks, trade secret or other rights of others - Acting in any other manner, which in CoBiz.com, in its sole discretion finds unacceptable
For more details about posting information, please refer to our Listing Policy which governs the banned and restricted products and services. The User hereby accepts the Listing Policy and any updates and amendments thereto. The User acknowledges that CoBiz.com may change the Listing Policy, without prior notice, by posting the updated version on this Site. Your continuation of use of the Site shall be deemed to be your acceptance of the Listing Policy and its amendments.
The User acknowledges and agrees that CoBiz.com shall have the right (but not the obligation), in its sole discretion, to refuse to publish, remove, or block access to any content that is available via the features, products and services provided by this Site, at any time, for any reason, or for no reason at all, with or without notice. CoBiz.com may also terminate access to, or membership in CoBiz.com, or any portion thereof, for violating these Terms of Use. You, the User, acknowledge and agree that you must evaluate, and bear all risks associated with the use of any content, including any reliance on the accuracy, completeness, or usefulness of such content. In this regard, you acknowledge that you may not rely on any content created by or obtained through the use of this Site's features, products and services.
The User acknowledges and agrees that CoBiz.com may preserve the content and may also disclose it if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to comply with legal process, to enforce the Terms of Use, to respond to claims that any content violates the rights of third-parties; or for the protection of the rights, property, or personal safety of CoBiz.com, its users and the public. The User acknowledges and agrees that the technical processing and transmission of the User's content may involve transmissions over various networks and/or may involve changes to conform and adapt to technical requirements of such networks or devices.
CoBiz.com reserves the right to cooperate fully with governmental authorities and/or injured third parties in the investigation of any suspected criminal or wrongdoing. Further, CoBiz.com may disclose the User's identity and contact information, if requested by a government or law enforcement body, an injured third party, or as a result of a legal action, and CoBiz.com shall not be liable for damages or results thereof and the User agrees not to bring any action or claim against CoBiz.com for such disclosure.
CoBiz.com also has the right (but not the obligation) to suspend or terminate any user account for any feature, product or service because of user inactivity for a certain period of time. This period is 120 days. CoBiz.com has the right to change duration of mentioned time period, with or without prior notice, by updating this posting.
. Disclaimer of Warranties & Limit of Liability
CoBiz.com makes no representations or warranties about the validity, accuracy, correctness, reliability, quality, stability, completeness or correctness of any information provided on this Site. Information on this Site may contain inaccuracies or typographical errors. Information may be changed or updated without notice.
The User expressly understands and agrees that the use of the features and services of this Site is at the User's own risk. CoBiz.com cannot always foresee or anticipate technical or other difficulties. These difficulties may result in loss of data or other service interruptions. Also, any material or information downloaded or otherwise obtained through the Site is done at each User's sole discretion and risk and each User is solely responsible for any damage to its computer system or loss of data that may result from the download of any such material.
CoBiz.com expressly disclaims 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.
CoBiz.com makes no warranty that (a) the features, products and services provided by the Site will meet the User's requirements, (b) The service will be uninterrupted, timely, secure, or error-free, (c) The results that may be obtained from the use of the services will be accurate or reliable, (d) The quality of any products, services, information, or other material purchased or obtained by the User through the features and services of this Site will meet the User's expectations.
The User expressly understands and agrees that CoBiz.com shall not be liable for any direct, indirect, special, punitive, incidental, exemplary or consequential damages or any damages whatsoever, resulting from; (a) the use or the inability to use the Site (b) any defect in goods, samples, data, information or services purchased or obtained from a User or a third-party service provider through the Site (c) unauthorized access to or alteration of any User's transmissions, data or private information by third parties (d) statements or conduct of any User of the Site (e) any material, data or information posted by third parties.
Further, CoBiz.com makes no representations whatsoever about other websites which you, the User, may access through this one. When the User accesses a website other than CoBiz.com, the User acknowledges and understands that it is independent from CoBiz.com, CoBiz.com has no control over the content on that website, and that a link to other website does not mean that CoBiz.com endorses or accepts any responsibility for the content, use, or products and services made available through such website.
IN NO EVENT WILL CoBiz.com BE LIABLE TO ANY PARTY FOR ANY DIRECT, INDIRECT OR OTHER CONSEQUENTIAL DAMAGES FOR ANY USE OF SITE, OR ANY OTHER HYPERLINKED WEBSITE, INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA OR OTHERWISE.
INFORMATION, FEATURES, PRODUCTS AND SERVICES ON CoBiz.com SITE IS PROVIDED ON AN "AS- IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, CONDITION, QUALITY, DURABILITY, PERFORMANCE, ACCURACY, RELIABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. ALL SUCH WARRANTIES, REPRESENTATIONS, CONDITIONS, UNDERTAKINGS AND TERMS ARE HEREBY EXCLUDED.
CoBiz.com shall not be liable to the User for delays or failures in performance or disruption of the content, features or services of the Site resulting directly or indirectly from Acts of God, forces or causes beyond its reasonable control, including but not limited to, internet failures, telecommunications or any other equipment failures, electrical power failures, labour disputes, riots, disturbances, fires, flood, storms, explosions, acts of war, governmental actions, orders of domestic or international courts.
General Conditions
The User agrees to indemnify and hold CoBiz.com and its affiliates, executives, directors and employees, harmless from any claim or demand (including legal expenses and the expenses of other professionals) made by a third party due to or arising out of the User's breach of these Terms of Use or the documents it incorporates by reference, or the User's violation of any law or the rights of a third party.
The Terms of Use contained within this Agreement, the Privacy Policy and the Listing Policy constitute the entire agreement and understanding between CoBiz.com and the User, superseding any previous understanding(s) between CoBiz.com and the User. Furthermore, the User agrees that they have not relied upon any representations or warranties that are not set forth expressly in these Terms of Use.
Headings used in this Agreement are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such part or section the Agreement.
Governing Laws
This Terms of Use Agreement and your use of the Site shall be governed and construed by the laws of the United Kingdom. Each party irrevocably agrees to be bound by any judgment rendered thereby in connection with this Terms of Use Agreement.
(Last Updated on 28.06.2014)