AGREEMENT BETWEEN USER AND PipsTalk.com - People in Profits Talk

The PipsTalk.com - People in Profits Talk Web Site is comprised of various Web pages operated by PipsTalk.com - People in Profits Talk.

The PipsTalk.com - People in Profits Talk Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the PipsTalk.com - People in Profits Talk Web Site constitutes your agreement to all such terms, conditions, and notices.

MODIFICATION OF THESE TERMS OF USE

PipsTalk.com - People in Profits Talk reserves the right to change the terms, conditions, and notices under which the PipsTalk.com - People in Profits Talk Web Site is offered, including but not limited to the charges associated with the use of the PipsTalk.com - People in Profits Talk Web Site.

LINKS TO THIRD PARTY SITES

The PipsTalk.com - People in Profits Talk Web Site may contain links to other Web Sites ("Linked Sites"). The Linked Sites are not under the control of PipsTalk.com - People in Profits Talk and PipsTalk.com - People in Profits Talk is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. PipsTalk.com - People in Profits Talk is not responsible for webcasting or any other form of transmission received from any Linked Site. PipsTalk.com - People in Profits Talk is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by PipsTalk.com - People in Profits Talk of the site or any association with its operators.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of the PipsTalk.com - People in Profits Talk Web Site, you warrant to PipsTalk.com - People in Profits Talk that you will not use the PipsTalk.com - People in Profits Talk Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the PipsTalk.com - People in Profits Talk Web Site in any manner which could damage, disable, overburden, or impair the PipsTalk.com - People in Profits Talk Web Site or interfere with any other party's use and enjoyment of the PipsTalk.com - People in Profits Talk Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the PipsTalk.com - People in Profits Talk Web Sites.

USE OF COMMUNICATION SERVICES

The PipsTalk.com - People in Profits Talk Web Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

• Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
  
   
• Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.
  
   
• Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
  
   
• Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
  
   
• Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
  
   
• Conduct or forward surveys, contests, pyramid schemes or chain letters.
  
   
• Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
  
   
• Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
  
   
• Restrict or inhibit any other user from using and enjoying the Communication Services.
  
   
• Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
  
   
• Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
  
   
• Violate any applicable laws or regulations.

PipsTalk.com - People in Profits Talk has no obligation to monitor the Communication Services. However, PipsTalk.com - People in Profits Talk reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. PipsTalk.com - People in Profits Talk reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

PipsTalk.com - People in Profits Talk reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in PipsTalk.com - People in Profits Talk's sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. PipsTalk.com - People in Profits Talk does not control or endorse the content, messages or information found in any Communication Service and, therefore, PipsTalk.com - People in Profits Talk specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized PipsTalk.com - People in Profits Talk spokespersons, and their views do not necessarily reflect those of PipsTalk.com - People in Profits Talk.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

MATERIALS PROVIDED TO PipsTalk.com - People in Profits Talk OR POSTED AT ANY PipsTalk.com - People in Profits Talk WEB SITE

PipsTalk.com - People in Profits Talk does not claim ownership of the materials you provide to PipsTalk.com - People in Profits Talk (including feedback and suggestions) or post, upload, input or submit to any PipsTalk.com - People in Profits Talk Web Site or its associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting PipsTalk.com - People in Profits Talk, its affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. PipsTalk.com - People in Profits Talk is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in PipsTalk.com - People in Profits Talk's sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

LIABILITY DISCLAIMER

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE PipsTalk.com - People in Profits Talk WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. PipsTalk.com - People in Profits Talk AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE PipsTalk.com - People in Profits Talk WEB SITE AT ANY TIME. ADVICE RECEIVED VIA THE PipsTalk.com - People in Profits Talk WEB SITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

PipsTalk.com - People in Profits Talk AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE PipsTalk.com - People in Profits Talk WEB SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. PipsTalk.com - People in Profits Talk AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PipsTalk.com - People in Profits Talk AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE PipsTalk.com - People in Profits Talk WEB SITE, WITH THE DELAY OR INABILITY TO USE THE PipsTalk.com - People in Profits Talk WEB SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE PipsTalk.com - People in Profits Talk WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE PipsTalk.com - People in Profits Talk WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF PipsTalk.com - People in Profits Talk OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE PipsTalk.com - People in Profits Talk WEB SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE PipsTalk.com - People in Profits Talk WEB SITE.

You Must Read and Agree to the PiPsTalk Terms and Conditions before you buy ANY of our Products or join our Online Community:

* NON-Refundable
* Fraudulent Online Transaction Claims, Fraudulent Credit Card Charges or Fraudulent Claims

NON-Refundable

PiPsTalk Products purchased are NOT refundable.

You have the chance to evaluate for 7 days of you r initial transaction prior to PiPsTalk receiving your funds for product purchases. If you have not determined that you are fully satisfied during your evaluation period, PLEASE CANCEL YOUR PURCHASE.

All sales of PiPsTalk Pages and Prestige Points are non-refundable.

Please read the terms and conditions before purchasing and joining PiPsTalk. By joining PiPsTalk and using the Online Community you accept and agree to the terms and conditions of PiPsTalk. This constitutes the entire agreement concerning PiPsTalk products between you and PiPsTalk, S.A. and it supersedes any prior proposal or representation. If you do not agree with these terms and conditions, do not join or make any purchases of our products.

The term "Products" includes, and these terms and conditions also apply to, any updates, modifications and upgrades to the PiP Pages, Prestige Points and Online Community Software and Services that you may receive from time to time.

Product Rewards

Your Purchase permits you, as purchaser of the PipsTalk, to receive the benefits of our Product Rewards programs. Technical and Customer support is available to the original software purchaser via e-mail only, Product Rewards Support is handles by your "Introducer" only.

We do NOT Guarantee FULL or PARTIAL Product Rewards and NO Refund will be issued if Product Rewards are delayed, omitted, modified or discontinued.

Customers are encouraged to fully evaluate the PiPsTalk community, products and software prior to purchasing. During the evaluation period, technical support is available by sending e-mail or live chat support on our website.

THERE ARE ABSOLUTELY NO CANCELLATIONS OF ONLINE ORDERS THAT HAVE BEEN ACCEPTED AFTER THE EVALUATION PERIOD. NOR WILL WE ACCEPT CLAIMS OF MISSING THE IMMEDIATE ONLINE LINKS THAT WERE PROVIDED TO YOU TO ACCESS PIPSTALK. THERE ARE NO EXCEPTIONS TO THIS CANCELLATION POLICY.

Fraudulent Online Transaction Claims, Fraudulent Credit Card Charges or Fraudulent Claims

All requests to negate charges are investigated by our technical department and legal department. If you make a fraudulent claim of unauthorized card usage, we will report this to the credit card services. This report may result in cancellation of your card services, put negative information on your credit report, and create possible criminal charges that may be filed against you.

We record all IP Addresses (even if you're using IP mask) for all transactions, investigate and prosecute all credit card frauds to the fullest extent of the International law.

SERVICE CONTACT : support@pipstalk.com

TERMINATION/ACCESS RESTRICTION

PipsTalk.com - People in Profits Talk reserves the right, in its sole discretion, to terminate your access to the PipsTalk.com - People in Profits Talk Web Site and the related services or any portion thereof at any time, without notice. GENERAL To the maximum extent permitted by law, this Agreement is made in and shall be governed by the laws of the Republic of Panama without reference to any conflicts of laws. You agree that all actions or proceedings arising in connection with this Agreement shall be tried and litigated exclusively in the courts of the Republic of Panama. Any and all disputes relating to or arising out of the PipsTalk.com - People in Profits Talk Web Site or this Agreement including, but not limited to, the arbitrability and the validity of this Agreement shall be resolved by binding arbitration in the Republic of Panama. Use of the PipsTalk.com - People in Profits Talk Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and PipsTalk.com - People in Profits Talk as a result of this agreement or use of the PipsTalk.com - People in Profits Talk Web Site. PipsTalk.com - People in Profits Talk's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of PipsTalk.com - People in Profits Talk's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the PipsTalk.com - People in Profits Talk Web Site or information provided to or gathered by PipsTalk.com - People in Profits Talk with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and PipsTalk.com - People in Profits Talk with respect to the PipsTalk.com - People in Profits Talk Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and PipsTalk.com - People in Profits Talk with respect to the PipsTalk.com - People in Profits Talk Web Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.

COPYRIGHT AND TRADEMARK NOTICES:

All contents of the PipsTalk.com - People in Profits Talk Web Site are: Copyright 2008-2009 by PipsTalk.com and/or its suppliers. All rights reserved.

TRADEMARKS

The names of actual companies and products mentioned herein may be the trademarks of their respective owners.

The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

Any rights not expressly granted herein are reserved.

NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT

Notifications of claimed copyright infringement under International copyright law should be sent to the Service Provider's Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. See Notice and Procedure for Making Claims of Copyright Infringement.