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Privacy Policy

Overview

By accepting the Privacy Policy and Terms of Use, you expressly consent to us collecting, using and disclosing your personal information in the manner described in this Privacy Policy.

Collection of Personal Information

To open your SecurePaymentz®, we need to obtain certain personal information from you, such as your full name, address, email, phone number and your date of birth. For certain optional transactions, we also collect financial information such as credit or debit card details. For certain high value transactions, we may be required to report personal information to the relevant authorities. For verification purposes we reserve the right to request proof of your identity and proof of address. When using our services, your IP address and login times are recorded and stored for purposes of preventing fraud and enhancing the security of our services. We may also collect usage and access data that allows us to prevent multiple account openings or other fraudulent behaviour or to protect our systems against illegal attacks or abuse. Strictly for this purpose, we may share such data with specialized and trustworthy fraud management services that help us analyse the data. We may also use cookies. A cookie is a small text file that is stored on a user's computer for record-keeping purposes. Information collected and stored through cookies may be matched against the personal data we hold on our systems. When you send money to a user that is not yet registered with SecurePaymentz®, we will store that user's email address for at least fourteen days during which time the user can collect the funds. If the user does not register for SecurePaymentz®Account, the user's email address will no longer be used by SecurePaymentz®, however it will remain to be stored as part of your transaction history. You must ensure that you have obtained all necessary consents for the use of the recipient's email address. Depending on the information you have provided us, your current verification status and the type of transaction you wish to undertake, we may collect further information from banks, credit/debit card processing services, identity verification services and credit reference agencies. See the section on "Use of Personal Information" for further details.

Use of Personal Information

We use your personal information to operate your SecurePaymentz® Account and to provide our services. We also share certain information as with banks or credit/debit card processing services, identity verification services and credit reference agencies as part of our normal business operations. The purpose for sharing this data is to identify and verify users and to limit our exposure fraud and other criminal activities and to manage our financial risk. When conducting identification or fraud prevention checks, the service provider may retain a record of our query along with your information. By using our services you expressly agree to the sharing of your personal date for these purposes. Furthermore, when sending money to another SecurePaymentz® Account holder we will, at a minimum, pass on your email address to the recipient. .We may also send other personal details such as your name, address and country of residence to recipients of any payments you make if such recipients request this information from us in order to improve the payment process, to reconcile payments with the commercial transaction or to conduct their own anti-fraud and anti-money laundering checks. We may also share your personal data with other companies within the SecurePaymentz® corporate group that are involved in providing services to you or the recipient of a payment. You personal data may be shared with entities outside the European Economic Area ("EEA") if this is necessary for providing you with the services requested by you, for example if you transfer funds to a merchant that is not located in the EEA. You expressly consent to the sharing of your data in this way. If you have been referred to us by a third party and that third party is entitled to a commission payment based on transaction volumes, numbers or types of transactions, we may share personal data, including transactional information, with that third party in order to reconcile commission payments. Where personal data is collected by or through a third party such as a merchant, promotion website or SecurePaymentz® partner website, the collection and use of your personal data may also be governed by the privacy policy of the third party.

Control of Personal Information

If your personal details (such as your name, address, or telephone number ) change you must immediately update your details in the "Profile" section of your SecurePaymentz® Account or by contacting Customer Service. SecurePaymentz® shall not be liable for any loss arising out of your failure to keep your personal details up to date. Your address and phone number can only be changed once in any 3 month period. In order to deactivate your Account you will need to contact Customer Service. We are by law required to retain certain records for a period of at least seven years after closure of your Account.

Communication

Upon successful registration, you will receive a confirmation email to your registered primary email address. All further communication via email will be sent to this primary email address which you can change at any time. You may also receive system-generated transactional emails such as confirmation of uploads, notification of receipt of payments, notification of password changes etc. Registered users will occasionally receive information on products, services and special deals via newsletter, unless a user has chosen not to receive such communication. You can change your choice whether or not to receive our newsletters in the "Profile" section of your SecurePaymentz® Account or in any newsletter email by clicking on the appropriate link. Please note that you will still receive communication regarding your Account such as transactional emails or other notification affect in the operation of your Account or our legal relationship.

Links

This website contains links to third party websites. Please be aware that SecurePaymentz® is not responsible for the privacy practices of these third party websites. We encourage users to read the privacy statements of each website they visit by clicking a link on our website. This privacy statement applies solely to the AgustinStocks website and the SecurePaymentz® services.

Security

SecurePaymentz® protects your personal data against unauthorised access, use or disclosure. Once logged into your Account, all internet communication is secured using Secure Socket Layer (SSL) technology with high security 128bit encryption, certified by Verisign Secured. However, this high level of protection can only be effective if you follow certain security practices yourself. You must never share your Account or login details with anyone. If you are concerned that any of your login details have been compromised, you can change them any time you like once you are logged on, however you should immediately contact Customer Services and tell us why you think your login details have been compromised. Please read our Account Terms of Use for further information on how to keep your AgustinStocks Account safe.

Notification of Changes

Changes to this privacy statement are posted on our website. If we are going to use your personal data in a manner different to the uses stated at the time of collection we will also notify you via email. You may object to any new use of your personal data by contacting Customer Service, however, we will treat such an objection as a notice to terminate your SecurePaymentz® Account.

TERMS OF SERVICE AGREEMENT

PLEASE READ THE FOLLOWING TERMS OF USE AGREEMENT CAREFULLY. BY

ACCESSING OR USING OUR SITES AND OUR SERVICES, YOU HEREBY AGREE TO BE

BOUND BY THE TERMS AND ALL TERMS INCORPORATED HEREIN BY REFERENCE. IF

YOU DO NOT EXPRESSLY AGREE TO ALL OF THE TERMS AND CONDITIONS, THEN

PLEASE DO NOT ACCESS OR USE OUR SITES OR OUR SERVICES. THIS TERMS OF

SERVICE AGREEMENT IS EFFECTIVE AS OF 03/31/2016.

ACCEPTANCE OF TERMS

The following Terms of Service Agreement (the "TOS") is a legally binding agreement that shall govern

the relationship with our users and others which may interact or interface with Online Solutions, also

known as SecurePaymentz, located at 28 State St #1100, Boston, Massachusetts 02109, and our subsidiaries

and affiliates, in association with the use of the SecurePaymentz website, which includes www.secure-paymentz.com

(the "Site") and its Services, which shall be defined below

DESCRIPTION OF WEBSITE SERVICES OFFERED

The Site is an e-commerce website banking software which has the following description:

We are offering Banking Software services

Any and all visitors to our site , despite whether they are registered or not, shall be deemed as "users" of the

herein contained Services provided for the purpose of this TOS. Once an individual registers for our

Services, through the process of creating an account, the user shall then be considered a "member."

The user and/or member acknowledges and agrees that the Services provided and made available through

our website and applications, which may include some mobile applications and that those applications may

be made available on various social media networking sites and numerous other platforms and

downloadable programs, are the sole property of Online Solutions. At its discretion, Online Solutions may

offer additional website Services and/or products, or update, modify or revise any current content and

Services, and this Agreement shall apply to any and all additional Services and/or products and any and all

updated, modified or revised Services unless otherwise stipulated. Online Solutions does hereby reserve the

right to cancel and cease offering any of the aforementioned Services and/or products. You, as the end user

and/or member , acknowledge, accept and agree that Online Solutions shall not be held liable for any such

updates, modifications, revisions, suspensions or discontinuance of any of our Services and/or products.

Your continued use of the Services provided, after such posting of any updates, changes, and/or

modifications shall constitute your acceptance of such updates, changes and/or modifications, and as such,

frequent review of this Agreement and any and all applicable terms and policies should be made by you to

ensure you are aware of all terms and policies currently in effect. Should you not agree to the updated,

modified, revised or modified terms, you must stop using the provided Services.

Furthermore, the user and/or member understands, acknowledges and agrees that the Services offered shall

be provided "AS IS" and as such Online Solutions shall not assume any responsibility or obligation for the

timeliness, missed delivery, deletion and/or any failure to store user content, communication or

personalization settings.

REGISTRATION

To register and become a "member" of the Site, you must be 18 years of age to enter into and form a legally

binding contract. In addition, you must be in good standing and not an individual that has been previously

barred from receiving SecurePaymentz's Services under the laws and statutes of the United States or other

applicable jurisdiction.

Furthermore, the registering party hereby acknowledges, understands and agrees to:

a) furnish factual, correct, current and complete information with regards to yourself as may be

requested by the data registration process, and

b) maintain and promptly update your registration and profile information in an effort to maintain

accuracy and completeness at all times.

If anyone knowingly provides any information of a false, untrue, inaccurate or incomplete nature, Online

Solutions will have sufficient grounds and rights to suspend or terminate the member in violation of this

aspect of the Agreement, and as such refuse any and all current or future use of Online Solutions Services,

or any portion thereof.

It is Online Solutions's priority to ensure the safety and privacy of all its visitors, users and members,

especially that of children. Therefore, it is for this reason that the parents of any child under the age of 13

that permit their child or children access to the SecurePaymentz website platform Services must create a

"family" account, which will certify that the individual creating the "family" account is of 18 years of age

and as such, the parent or legal guardian of any child or children registered under the "family" account. As

the creator of the "family" account, s/he is thereby granting permission for his/her child or children to

access the various Services provided, including, but not limited to, message boards, email, and/or instant

messaging. It is the parent's and/or legal guardian's responsibility to determine whether any of the Services

and/or content provided are age-appropriate for his/her child.

MEMBER ACCOUNT, USERNAME, PASSWORD AND SECURITY

After completion of the registration data and creation of your username, you will receive a random

password—which you can later change—and account designation. You shall be responsible for maintaining

the secrecy and confidentiality of your password and for all activities that transpire on or within your

account. It shall be your responsibility to notify Online Solutions immediately if you notice any

unauthorized access or use of your account or password or any other breach of security. Online Solutions

shall not be held liable for any loss and/or damage arising from any failure to comply with this term and/or

condition of the TOS.

CAUTIONS FOR GLOBAL USE AND EXPORT AND IMPORT COMPLIANCE

Due to the global nature of the internet, through the use of our network you hereby agree to comply with all

local rules relating to online conduct and that which is considered acceptable Content. Uploading, posting

and/or transferring of software, technology and other technical data may be subject to the export and import

laws of the United States and possibly other countries. Through the use of our network, you thus agree to

comply with all applicable export and import laws, statutes and regulations, including, but not limited to,

the Export Administration Regulations (http://www.access.gpo.gov/bis/ear/ear_data.html), as well as the

sanctions control program of the United States (http://www.treasury.gov/resource-

center/sanctions/Programs/Pages/Programs.aspx). Furthermore, you state and pledge that you:

a) are not on the list of prohibited individuals which may be identified on any government export

exclusion report (http://www.bis.doc.gov/complianceandenforcement/liststocheck.htm) nor a member of

any other government which may be part of an export-prohibited country identified in applicable

export and import laws and regulations;

b) agree not to transfer any software, technology or any other technical data through the use of our

network Services to any export-prohibited country;

c) agree not to use our website network Services for any military, nuclear, missile, chemical or

biological weaponry end uses that would be a violation of the U.S. export laws; and

d) agree not to post, transfer nor upload any software, technology or any other technical data which

would be in violation of the U.S. or other applicable export and/or import laws.

CONTENT PLACED OR MADE AVAILABLE FOR COMPANY SERVICES

Online Solutions shall not lay claim to ownership of any content submitted by any visitor , member or user,

or make such content available for inclusion on our website Services. Therefore, you hereby grant and

allow for Online Solutions the below listed worldwide, royalty-free and non-exclusive licenses, as

applicable:

a) The content submitted or made available for inclusion on the publicly accessible areas of Online

Solutions's sites, the license provided to permit to use, distribute, reproduce, modify, adapt, publicly

perform and/or publicly display said Content on our network Services is for the sole purpose of

providing and promoting the specific area to which this content was placed and/or made available

for viewing. This license shall be available so long as you are a member of Online Solutions's sites,

and shall terminate at such time when you elect to discontinue your membership.

b) Photos, audio, video and/or graphics submitted or made available for inclusion on the publicly

accessible areas of Online Solutions's sites, the license provided to permit to use, distribute,

reproduce, modify, adapt, publicly perform and/or publicly display said Content on our network

Services are for the sole purpose of providing and promoting the specific area in which this content

was placed and/or made available for viewing. This license shall be available so long as you are a

member of Online Solutions's sites and shall terminate at such time when you elect to discontinue

your membership.

c) For any other content submitted or made available for inclusion on the publicly accessible areas of

Online Solutions's sites, the continuous, binding and completely sub-licensable license which is

meant to permit to use, distribute, reproduce, modify, adapt, publish, translate, publicly perform

and/or publicly display said content, whether in whole or in part, and the incorporation of any such

Content into other works in any arrangement or medium current used or later developed.

Those areas which may be deemed "publicly accessible" areas of Online Solutions's sites are those such

areas of our network properties which are meant to be available to the general public, and which would

include message boards and groups that are openly available to both visitors and members . However, those

areas which are not open to the public, and thus available to members only, would include our mail system

and instant messaging .

CONTRIBUTIONS TO COMPANY WEBSITE

Online Solutions provides an area for our users and members to contribute feedback to our website. When

you submit ideas, documents, suggestions and/or proposals ("Contributions") to our site, you acknowledge

and agree that:

a) your Contributions do not contain any type of confidential or proprietary information;

b) SecurePaymentz shall not be liable or under any obligation to ensure or maintain confidentiality,

expressed or implied, related to any Contributions;

c) SecurePaymentz shall be entitled to make use of and/or disclose any such Contributions in any such

manner as they may see fit;

d) the contributor's Contributions shall automatically become the sole property of SecurePaymentz;

and

e) SecurePaymentz is under no obligation to either compensate or provide any form of reimbursement

in any manner or nature.

INDEMNITY

All users and/or members herein agree to insure and hold Online Solutions, our subsidiaries, affiliates,

agents, employees, officers, partners and/or licensors blameless or not liable for any claim or demand,

which may include, but is not limited to, reasonable attorney fees made by any third party, which may arise

from any content a member or user of our site may submit, post, modify, transmit or otherwise make

available through our Services, the use of SecurePaymentz Services or your connection with these

Services, your violations of the Terms of Service and/or your violation of any such rights of another person.

COMMERCIAL REUSE OF SERVICES

The member or user herein agrees not to replicate, duplicate, copy, trade, sell, resell nor exploit for any

commercial reason any part, use of, or access to SecurePaymentz's sites.

USE AND STORAGE GENERAL PRACTICES

You herein acknowledge that Online Solutions may set up any such practices and/or limits regarding the

use of our Services, without limitation of the maximum number of days that any email, message posting or

any other uploaded content shall be retained by Online Solutions, nor the maximum number of email

messages that may be sent and/or received by any member, the maximum volume or size of any email

message that may be sent from or may be received by an account on our Service, the maximum disk space

allowable that shall be allocated on Online Solutions's servers on the member's behalf, and/or the maximum

number of times and/or duration that any member may access our Services in a given period of time. In

addition, you also agree that Online Solutions has absolutely no responsibility or liability for the removal or

failure to maintain storage of any messages and/or other communications or content maintained or

transmitted by our Services. You also herein acknowledge that we reserve the right to delete or remove any

account that is no longer active for an extended period of time. Furthermore, Online Solutions shall reserve

the right to modify, alter and/or update these general practices and limits at our discretion.

MODIFICATIONS

Online Solutions shall reserve the right at any time it may deem fit, to modify, alter and or discontinue,

whether temporarily or permanently, our service, or any part thereof, with or without prior notice. In

addition, we shall not be held liable to you or to any third party for any such alteration, modification,

suspension and/or discontinuance of our Services, or any part thereof.

TERMINATION

As a member of www.secure-paymentz.com, you may cancel or terminate your account, associated email

address and/or access to our Services by submitting a cancellation or termination request to info@securepaymentz.com.

As a member, you agree that Online Solutions may, without any prior written notice, immediately suspend,

terminate, discontinue and/or limit your account, any email associated with your account, and access to any

of our Services. The cause for such termination, discontinuance, suspension and/or limitation of access

shall include, but is not limited to:

a) any breach or violation of our TOS or any other incorporated agreement, regulation and/or

guideline;

b) by way of requests from law enforcement or any other governmental agencies;

c) the discontinuance, alteration and/or material modification to our Services, or any part thereof;

d) unexpected technical or security issues and/or problems;

e) any extended periods of inactivity;

f) any engagement by you in any fraudulent or illegal activities; and/or

g) the nonpayment of any associated fees that may be owed by you in connection with your

www.secure-paymentz.com account Services.

Furthermore, you herein agree that any and all terminations, suspensions, discontinuances, and or

limitations of access for cause shall be made at our sole discretion and that we shall not be liable to you or

any other third party with regards to the termination of your account, associated email address and/or

access to any of our Services.

The termination of your account with www.secure-paymentz.com shall include any and/or all of the

following:

a) the removal of any access to all or part of the Services offered within www.secure-paymentz.com;

b) the deletion of your password and any and all related information, files, and any such content that

may be associated with or inside your account, or any part thereof; and

c) the barring of any further use of all or part of our Services.

ADVERTISERS

Any correspondence or business dealings with, or the participation in any promotions of, advertisers located

on or through our Services, which may include the payment and/or delivery of such related goods and/or

Services, and any such other term, condition, warranty and/or representation associated with such dealings,

are and shall be solely between you and any such advertiser. Moreover, you herein agree that Online

Solutions shall not be held responsible or liable for any loss or damage of any nature or manner incurred as

a direct result of any such dealings or as a result of the presence of such advertisers on our website.

LINKS

Either Online Solutions or any third parties may provide links to other websites and/or resources. Thus, you

acknowledge and agree that we are not responsible for the availability of any such external sites or

resources, and as such, we do not endorse nor are we responsible or liable for any content, products,

advertising or any other materials, on or available from such third party sites or resources. Furthermore, you

acknowledge and agree that Online Solutions shall not be responsible or liable, directly or indirectly, for

any such damage or loss which may be a result of, caused or allegedly to be caused by or in connection

with the use of or the reliance on any such content, goods or Services made available on or through any

such site or resource.

PROPRIETARY RIGHTS

You do hereby acknowledge and agree that Online Solutions's Services and any essential software that may

be used in connection with our Services ("Software") shall contain proprietary and confidential material that

is protected by applicable intellectual property rights and other laws. Furthermore, you herein acknowledge

and agree that any Content which may be contained in any advertisements or information presented by and

through our Services or by advertisers is protected by copyrights, trademarks, patents or other proprietary

rights and laws. Therefore, except for that which is expressly permitted by applicable law or as authorized

by Online Solutions or such applicable licensor, you agree not to alter, modify, lease, rent, loan, sell,

distribute, transmit, broadcast, publicly perform and/or created any plagiaristic works which are based on

Online Solutions Services (e.g. Content or Software), in whole or part.

Online Solutions herein has granted you personal, non-transferable and non-exclusive rights and/or license

to make use of the object code or our Software on a single computer, as long as you do not, and shall not,

allow any third party to duplicate, alter, modify, create or plagiarize work from, reverse engineer, reverse

assemble or otherwise make an attempt to locate or discern any source code, sell, assign, sublicense, grant a

security interest in and/or otherwise transfer any such right in the Software. Furthermore, you do herein

agree not to alter or change the Software in any manner, nature or form, and as such, not to use any

modified versions of the Software, including and without limitation, for the purpose of obtaining

unauthorized access to our Services. Lastly, you also agree not to access or attempt to access our Services

through any means other than through the interface which is provided by Online Solutions for use in

accessing our Services.

WARRANTY DISCLAIMERS

YOU HEREIN EXPRESSLY ACKNOWLEDGE AND AGREE THAT:

a) THE USE OF ONLINE SOLUTIONS SERVICES AND SOFTWARE ARE AT THE SOLE RISK

BY YOU. OUR SERVICES AND SOFTWARE SHALL BE PROVIDED ON AN "AS IS"

AND/OR "AS AVAILABLE" BASIS. ONLINE SOLUTIONS AND OUR SUBSIDIARIES,

AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS

EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES OF ANY KIND WHETHER

EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO ANY IMPLIED

WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE

AND NON-INFRINGEMENT.

b) ONLINE SOLUTIONS AND OUR SUBSIDIARIES, OFFICERS, EMPLOYEES, AGENTS,

PARTNERS AND LICESNSORS MAKE NO SUCH WARRANTIES THAT (i) ONLINE

SOLUTIONS SERVICES OR SOFTWARE WILL MEET YOUR REQUIREMENTS; (ii)

ONLINE SOLUTIONS SERVICES OR SOFTWARE SHALL BE UNINTERRUPTED, TIMELY,

SECURE OR ERROR-FREE; (iii) THAT SUCH RESULTS WHICH MAY BE OBTAINED

FROM THE USE OF THE ONLINE SOLUTIONS SERVICES OR SOFTWARE WILL BE

ACCURATE OR RELIABLE; (iv) QUALITY OF ANY PRODUCTS, SERVICES, ANY

INFORMATION OR OTHER MATERIAL WHICH MAY BE PURCHASED OR OBTAINED BY

YOU THROUGH OUR SERVICES OR SOFTWARE WILL MEET YOUR EXPECTATIONS;

AND (v) THAT ANY SUCH ERRORS CONTAINED IN THE SOFTWARE SHALL BE

CORRECTED.

c) ANY INFORMATION OR MATERIAL DOWNLOADED OR OTHERWISE OBTAIN BY WAY

OF ONLINE SOLUTIONS SERVICES OR SOFTWARE SHALL BE ACCESSED BY YOUR

SOLE DISCRETION AND SOLE RISK, AND AS SUCH YOU SHALL BE SOLELY

RESPONSIBLE FOR AND HEREBY WAIVE ANY AND ALL CLAIMS AND CAUSES OF

ACTION WITH RESPECT TO ANY DAMAGE TO YOUR COMPUTER AND/OR INTERNET

ACCESS, DOWNLOADING AND/OR DISPLAYING, OR FOR ANY LOSS OF DATA THAT

COULD RESULT FROM THE DOWNLOAD OF ANY SUCH INFORMATION OR

MATERIAL.

d) NO ADVICE AND/OR INFORMATION, DESPITE WETHER WRITTEN OR ORAL, THAT

MAY BE OBTAINED BY YOU FROM ONLINE SOLUTIONS OR BY WAY OF OR FROM

OUR SERVICES OR SOFTWARE SHALL CREATE ANY WARRANTY NOT EXPRESSLY

STATED IN THE TOS.

e) A SMALL PERCENTAGE OF SOME USERS MAY EXPERIENCE SOME DEGREE OF

EPILEPTIC SEIZURE WHEN EXPOSED TO CERTAIN LIGHT PATTERNS OR

BACKGROUNDS THAT MAY BE CONTAINED ON A COMPUTER SCREEN OR WHILE

USING OUR SERVICES. CERTAIN CONDITIONS MAY INDUCE A PREVIOUSLY

UNKNOWN CONDITION OR UNDETECTED ELILEPTIC SYMPTOM IN USERS WHO

HAVE SHOWN NO HISTORY OF ANY PRIOR SEIZURE OR EPILEPSY. SHOULD YOU,

ANYONE YOU KNOW OR ANYONE IN YOUR FAMILY HAVE AN EPILEPTIC

CONDITION, PLEASE CONSULT A PHYSICAN IF YOU EXPERIENCE ANY OF THE

FOLLOWING SYMPTOMS WHILE USING OUR SERVICES: DIZZINESS, ALTERED VISON,

EYE OR MUSCLE TWITCHES, LOSS OF AWARNESS, DISORIENTATION, ANY

INVOLUNTARY MOVEMENT, OR CONVULSIONS.

LIMITATION OF LIABILITY

YOU EXPLICITY ACKNOWLEDGE, UNDERSTAND AND AGREE THAT ONLINE SOLUTIONS

AND OUR SUBISDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND

LICENSORS SHALL NOT BE LIABLE TO YOU FOR ANY PUNITIVE, INDIRECT, INCIDENTIAL,

SPECIAL, CONSEQUENIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO,

DAMAGES WHICH MAY BE RELATED TO THE LOSS OF ANY PROFITS, GOODWILL, USE,

DATAAND/OR OTHER INTANGILBE LOSSES, EVEN THOUGH WE MAY HAVE BEEN ADVISED

OF SUCH POSSIBILITY THAT SAID DAMAGES MAY OCCUR, AND RESULT FROM:

a) THE USE OR INABILITY TO USE OUR SERVICE;

b) THE COST OF PRECURING SUBSTITUTE GOODS AND SERVICES;

c) UNAUTHORIZED ACCESS TO OR THE ALTERATION OF YOUR TRANSMISSIONS

AND/OR DATA;

d) STATEMENTS OR CONDUCT OF ANY SUCH THRID PARTY ON OUR SERVICE;

e) AND ANY OTHER MATTER WHICH MAY BE RELATED TO OUR SERVICE.

SPECIAL ADMONITION RELATED TO FINANCIAL MATTERS

Should you intend to create or to join any service, receive or request any such news, messages, alerts or

other information from our Services concerning companies, stock quotes, investments or securities, please

review the above Sections Warranty Disclaimers and Limitations of Liability again. In addition, for this

particular type of information, the phrase "Let the investor beware" is appropriate. Online Solutions's

content is provided primarily for informational purposes, and no content that shall be provided or included

in our Services is intended for trading or investing purposes. Online Solutions and our licensors shall not be

responsible or liable for the accuracy, usefulness or availability of any information transmitted and/or made

available by way of our Services, and shall not be responsible or liable for any trading and/or investment

decisions based on any such information.

EXCLUSION AND LIMITATIONS

THERE ARE SOME JURISDICTIONS WHICH DO NOT ALLOW THE EXCLUSION OF CERTAIN

WARRANTIES OR THE LIMITATION OF EXCLUSION OF LAIBILITY FOR INCIDENTAL OR

CONSEQUENTIAL DAMAGES. THEREFORE, SOME OF THE ABOVE LIMITATIONS OF

SECTIONS WARRANTY DISCLAIMERS AND LIMITATION OF LIABILITY MAY NOT APPLY TO

YOU.

THIRD PARTY BENEFICIARIES

You herein acknowledge, understand and agree, unless otherwise expressly provided in this TOS, that there

shall be third-party beneficiaries to this agreement.

NOTICE

Online Solutions may furnish you with notices, including those with regards to any changes to the TOS,

including but not limited to email, regular mail, MMS or SMS, text messaging, postings on our website

Services, or other reasonable means currently known or any which may be herein after developed. Any

such notices may not be received if you violate any aspects of the TOS by accessing our Services in an

unauthorized manner. Your acceptance of this TOS constitutes your agreement that you are deemed to have

received any and all notices that would have been delivered had you accessed our Services in an authorized

manner.

TRADEMARK INFORMATION

You herein acknowledge, understand and agree that all of the Online Solutions trademarks, copyright, trade

name, service marks, and other Online Solutions logos and any brand features, and/or product and service

names are trademarks and as such, are and shall remain the property of Online Solutions. You herein agree

not to display and/or use in any manner the Online Solutions logo or marks.

COPYRIGHT OR INTELLECTUAL PROPERTY INFRINGEMENT CLAIMS NOTICE & PROCEDURES

Online Solutions will always respect the intellectual property of others, and we ask that all of our users to

the same. With regards to appropriate circumstances and at its sole discretion, Online Solutions may

disable and/or terminate the accounts of any user who repeatedly violates our TOS and/or infringes the

rights of others. If you feel that your work has been duplicated in such a way that would constitute

copyright infringement, or if you believe your intellectual property rights have been otherwise violated, you

should provide to us the following information:

a) The electronic or the physical signature of the individual that is authorized on behalf of the owner of

the copyright or other intellectual property interest;

b) A description of the copyrighted work or other intellectual property that you believe has been

infringed upon;

c) A description of the location of the site which you allege has been infringing upon your work;

d) The physical address, telephone number, and email address;

e) A statement, in which you state that the alleged and disputed use of your work is not authorized by

the copyright owner, its agents or the law;

f) And finally, a statement, made under penalty of perjury, that the aforementioned information in your

notice is the truth and accurate, and that you are the copyright or intellectual property owner,

representative or agent authorized to act on the copyright or intellectual property owner's behalf.

The Online Solutions Agent for notice of claims of copyright or other intellectual property infringement can

be contacted as follows:

Mailing Address:

Online Solutions

Attn: Copyright Agent

28 State St #1100

Boston, Massachusetts 02109

Telephone: 8885552040

Email: info@secure-paymentz.com

CLOSED CAPTIONING

BE IT KNOWN, that Online Solutions complies with all applicable Federal Communications Commission

rules and regulations regarding the closed captioning of video content. For more information, please visit

our website at www.secure-paymentz.com.

GENERAL INFORMATION

ENTIRE AGREEMENT

This TOS constitutes the entire agreement between you and Online Solutions and shall govern the use of

our Services, superseding any prior version of this TOS between you and us with respect to Online

Solutions Services. You may also be subject to additional terms and conditions that may apply when you

use or purchase certain other Online Solutions Services, affiliate Services, third-party content or third-party

software.

CHOICE OF LAW AND FORUM

It is at the mutual agreement of both you and Online Solutions with regard to the TOS that the relationship

between the parties shall be governed by the laws of the state of Massachusetts without regard to its conflict

of law provisions and that any and all claims, causes of action and/or disputes, arising out of or relating to

the TOS, or the relationship between you and Online Solutions, shall be filed within the courts having

jurisdiction within the County of United States Of America, Massachusetts or the U.S. District Court

located in said state. You and Online Solutions agree to submit to the jurisdiction of the courts as

previously mentioned, and agree to waive any and all objections to the exercise of jurisdiction over the

parties by such courts and to venue in such courts.

WAIVER AND SEVERABILITY OF TERMS

At any time, should Online Solutions fail to exercise or enforce any right or provision of the TOS, such

failure shall not constitute a waiver of such right or provision. If any provision of this TOS is found by a

court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor

to give effect to the parties' intentions as reflected in the provision, and the other provisions of the TOS

remain in full force and effect.

NO RIGHT OF SURVIVORSHIP NON-TRANSFERABILITY

You acknowledge, understand and agree that your account is non-transferable and any rights to your ID

and/or contents within your account shall terminate upon your death. Upon receipt of a copy of a death

certificate, your account may be terminated and all contents therein permanently deleted.

STATUTE OF LIMITATIONS

You acknowledge, understand and agree that regardless of any statute or law to the contrary, any claim or

action arising out of or related to the use of our Services or the TOS must be filed within 1 year(s) after said

claim or cause of action arose or shall be forever barred.

VIOLATIONS

Please report any and all violations of this TOS to Online Solutions as follows:

Mailing Address:

Online Solutions

Attn: Copyright Agent

28 State St #1100

Boston, Massachusetts 02109

Telephone: 8885552040

Email: info@secure-paymentz.com

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