IMPORTANT - READ CAREFULLY BEFORE PROCEEDING

READ THE TERMS AND CONDTIONS OF THIS AGREEMENT CAREFULLY BEFORE INDICATING YOUR ACCEPTANCE OF THESE TERMS AND CONDITIONS CONTAINED IN THIS AGREEMENT, YOU ("Subscriber") ACKNOWLEDGE AND AGREE TO BE BOUND BY THE PROVISIONS OF THIS AGREEMENT FOR THE USE OF THE CASH FLOW CAFE SERVICES ("Services") PROVIDED BY CASH FLOW CAFE, INC. ("CASHFLOWCAFE.com"). IF SUBSCRIBER IS NOT WILLING TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT, SUBSCRIBER SHOULD PROMPTLY EXIT FROM THIS WEBSITE AND REFRAIN FROM USING ITS SERVICES. BY USING OR ACCESSING THE SERVICE SUBSCRIBER AGREES TO BE BOUND BY THE FOLLOWING TERMS AND CONDITIONS.

ALL ARTICLES AND MATERIAL DISPLAYED BY US ON OUR SITE ARE FOR INFORMATION ONLY AND ARE NO SUBSTITUTE FOR SPECIFIC ADVICE.

1. GRANT OF RIGHTS TO USE SERVICES

Effective upon acceptance of this Agreement, CASHFLOWCAFE.com hereby grants to Subscriber a personal, nonexclusive, nontransferable, revocable license to access and use the Services (as below), for Subscriber's non-commercial use.

Subscriber shall have no right to sell, resell, reproduce, duplicate, copy, distribute, create derivative works or exploit for commercial purposes, any portion of the Services, access to the Services, or use of the Services nor make any claim that it does have such right.

The services provided by CASHFLOWCAFE.com hereunder may allow Subscriber to perform various online messaging and communications functions (collectively, the "Services"). Unless explicitly stated otherwise, any new features provided by CASHFLOWCAFE.com that augment or enhance the current Services shall also constitute "Services" and shall be subject to these terms and conditions.

Subscriber is solely responsible for obtaining all equipment and approvals necessary for connection to the World Wide Web and all charges associated with such connection, including but not limited to obtaining a PC and modem or other access device, having access to the World Wide Web and phone service charges.

2. CASHFLOWCAFE.COM'S PROPRIETARY RIGHTS

As between the parties, CASHFLOW.com shall retain all right, title and interest to the Services including all copyrights, trademarks, patents and all other intellectual property rights thereto, including without limitation with respect to all technology and telephone numbers used in connection with or provided as part of the Services.

Subscriber may not, nor allow any third party to, copy, distribute, sell, disclose, lend, transfer, convey, modify, decompile, disassemble or reverse engineer the Services for any purpose whatsoever. Subscriber may not allow any third party to access the Services for any purpose whatsoever.

The copyright notices and other proprietary legends shall not be removed from the Services and no right to use any trademark is granted under this Agreement.

Subscriber may not grant any sublicense, lease or other right in the Services to any third party. All rights not expressly granted under this Agreement are retained by CASHFLOWCAFE.com.

3. LINKED SITES

This Site may contain links to other websites ("Linked Sites"). CASHFLOWCAFE.com does not operate or control any information, products or services on the Linked Sites, and neither endorses nor approves any products or information offered at Linked Sites. You acknowledge and agree that your access or use of any Linked Site is at your own risk.

4. FOR REFERRALS TO OTHER SERVICE PROVIDERS

CASHFLOWCAFE.com does not guarantee or warrant the products or services of other product or service providers that CASHFLOWCAFE.com, its employees or agents refers to you, including, but not limited to, those made through its website. Any referral to other product or service providers is for informational purposes only. You are free to select any product or service provider of your choosing. Product and service providers may vary in cost, quality, experience, availability, responsiveness and other factors. You are advised to exercise care in the selection of product or service provider(s).

5. PRIVACY STATEMENT

Any information you provide to us will not be shared with anyone without your prior consent.

CASHFLOWCAFE.com. is committed to protecting your personal information. We respect your privacy and your concerns about unwanted or unsolicited emails, otherwise known as 'Spam'. We do not sell nor offer for sale any information provided to us by users - whether by subscription to our mailing lists or access to our discussion forums. We do keep personal information on file so that we may contact users that have lost passwords, are having trouble with their account or in order to reply to postings in the forum area. This data is mostly used as a base to know who the customer or client is and to protect the website and the users. Information is stored securely in our database of users in separate areas or computers that are accessible via password-protected access.

6. SUBSCRIBER REGISTRATION

Subscriber agrees to provide true, accurate, current and complete data to CASHFLOWCAFE.com upon signing up for the Services and at subsequent times as requested by CASHFLOWCAFE.com.

If Subscriber provides data that is, or that CASHFLOWCAEF.com suspects to be, false, inaccurate, not current or incomplete, CASHFLOWCAFE.com has the right to suspend or terminate Services and refuse any and all current or future use of all Services, or any portion thereof.

Subscriber acknowledges that CASHFLOWCAFE.com may distribute the registration data to third parties, provided, however, Subscriber's name, address (home and email) and telephone number will not be distributed, unless required by law, or in the event Subscriber grants CASHFLOWCAFE.com the right to provide that information.

Subscriber shall maintain and promptly update the registration data as applicable, including, but not limited to,

Change in address

Change in credit card account status (e.g., closed account, maximum credit use)

Change in expiration date of credit card account

Upon completion of all registration information and acceptance of this Agreement, Subscriber may receive a password, user ID, or when applicable, a PIN and telephone number(s).

Subscriber is solely responsible for maintaining the confidentiality of Subscriber's password and PIN, and will be responsible for all transactions and activities that occur as a result of Subscriber's disclosure of such password and/or PIN, whether or not such transactions and/or activities were authorized by Subscriber.

Subscriber shall not give account information to third parties and shall at all times be responsible and liable for any transactions or activities that occur on Subscriber's account.
Subscriber shall immediately notify CASHFLOW.com if any unauthorized use of Subscriber's account has occurred or of any other breach of security.

7. TERMINATION

SUBSCRIBER RIGHTS TO CHANGE OR END THIS AGREEMENT

Subscriber may terminate its rights to receive Services hereunder by providing written notice to CASHFLOWCAFE.com

If Subscriber terminates its rights to receive Services hereunder in the manner prescribed above, Subscriber will be billed through the end of the billing cycle in which such rights are terminated.

Upon any termination of Subscriber's right to receive Services hereunder, Subscriber shall immediately cease to use the Services and CASHFLOWCAFE.com shall have no further obligations whatsoever to Subscriber.

Any change in Service requested by Subscriber shall be at CASHFLOWCAFE.com's discretion and shall be subject to the provisions of this Agreement.

8. CASHFLOWCAFE.COM RIGHTS TO RESTRICT OR END SERVICE OR THIS AGREEMENT

To maintain or improve the Services, to prevent fraud, or for any other reason determined by CASHFLOWCAFE.com, CASHFLOWCAFE.com, at its sole discretion, may restrict, suspend, terminate or modify Subscriber's service with or without notice. Without limiting the generality of the foregoing, CASHFLOWCAFE.com may restrict, suspend or terminate Subscriber's Services with or without notice for reasons including, without limitation, if Subscriber:

Incurs charges that cannot be billed

Exceeds any credit limit

Makes a false statement to CASHFLOWCAFE.com

Interferes with CASHFLOWCAFE.com customer service or other business operations

Becomes insolvent or go bankrupt

Breaches any part of this Agreement

CASHFLOWCAFE.com may also do so if:

Subscriber's credit information cannot be verified.

CASHFLOWCAFE.com believes or suspects that Subscriber's account is being misused or used by anyone for unlawful activity.

CASHFLOWCAFE.com believes or suspects that the use of Subscriber's account adversely affects or has the potential to affect service to other customers.

CASHFLOWCAFE.com believes or suspects that the use of Subscriber's account adversely affects or has the potential to affect CASH FLOW CAFÉ, Inc. operations.

Upon any termination in accordance with the foregoing, CASHFLOWCAFE.com may immediately deactivate or delete Subscriber's account and all related information and files in Subscriber's account, reassign any telephone numbers associated with the account, and/or bar any further access to such files, information, or the Services.

CASHFLOWCAFE.com shall not be liable to Subscriber or any third party for any reason for terminating this Agreement or access to Services or for modifying this Agreement and/or the Services.

9. WARRANTY DISCLAIMER

THE SERVICES PROVIDED HEREUNDER ARE PROVIDED "AS IS" AND "AS AVAILABLE" AND CASHFLOWCAFE.COM MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND ANY SIMILAR WARRANTY WHETHER SAID WARRANTY ARISES UNDER PROVISIONS OF ANY LAW OF THE UNITED STATES OR ANY STATE THEREOF. CASHFLOWCAFE.COM MAKES NO REPRESENTATIONS OR WARRANTIES THAT THE SERVICES ARE FREE OF RIGHTFUL CLAIMS OF ANY THIRD PARTY FOR INFRINGEMENT OF PROPRIETARY RIGHTS. THE ENTIRE RISK ASSOCIATED WITH THE USE OF THE SERVICES SHALL BE BORNE SOLELY BY SUBSCRIBER.

CASHFLOWCAFE.COM MAKES NO WARRANTY THAT THE SERVICES WILL MEET SUBSCRIBER'S REQUIREMENTS, OR THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR FREE OR THAT ANY DEFECTS IN THE SERVICES WILL BE CORRECTED. CASHFLOWCAFE.COM IS NOT RESPONSIBLE FOR MESSAGES OR INFORMATION LOST OR MISDIRECTED DUE TO INTERRUPTIONS OR FLUCTUATIONS IN THE SERVICES OR THE INTERNET IN GENERAL.

CASHFLOWCAFE.COM DOES NOT MAKE ANY WARRANTY PERTAINING TO ANY GOODS OR SERVICES PURCHASED, OBTAINED, SECURED OR ACQUIRED THROUGH THE SERVICES OR ANY TRANSACTION ENTERED INTO THROUGH THE SERVICE.

CASHFLOWCAFE.COM DOES NOT WARRANT THE ACCURACY OR RELIABILITY OF THE RESULTS OBTAINED THROUGH USE OF THE SERVICES OR ANY DATA OR INFORMATION DOWNLOADED OR OTHERWISE OBTAINED OR ACQUIRED THROUGH THE USE OF THE SERVICES. SUBSCRIBER ACKNOWLEDGES THAT ANY DATA OR INFORMATION DOWNLOADED OR OTHERWISE OBTAINED OR ACQUIRED THROUGH THE USE OF THE SERVICES ARE AT SUBSCRIBER'S SOLE RISK AND DISCRETION AND CASHFLOWCAFE.COM WILL NOT BE LIABLE OR RESPONSIBLE FOR ANY DAMAGE TO SUBSCRIBER OR SUBSCRIBER'S PROPERTY.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY SUBSCRIBER FROM CASHFLOWCAFE.COM, ITS EMPLOYEES, OR THROUGH OR FROM THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS AND CONDITIONS.

SOME JURISDICTIONS DO NOT PERMIT THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO CERTAIN OF THE FOREGOING DISCLAIMERS MAY NOT APPLY TO SUBSCRIBER.

10. LIMITATION OF LIABILITY

IN NO EVENT SHALL CASHFLOWCAFE.COM BE LIABLE TO SUBSCRIBER OR ANY THIRD PARTY FOR SPECIAL, INDIRECT, INCIDENTAL OR CONSEQUENTIAL DAMAGES WHETHER ARISING UNDER CONTRACT, WARRANTY, OR TORT (INCLUDING NEGLIGENCE OR STRICT LIABILITY) OR ANY OTHER THEORY OF LIABILITY. CASHFLOWCAFE.COM'S LIABILITY FOR DAMAGES, REGARDLESS OF THE FORM OF THE ACTION, SHALL NOT EXCEED THE LICENSE FEE PAID BY SUBSCRIBER FOR THE SERVICES, IF ANY. The limitation of liability reflects the allocation of risk between the parties. The limitations specified in this Section will survive and apply even if any limited remedy specified in this Agreement is found to have failed of its essential purpose. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS OF LIABILITY, SO CERTAIN OF THE FOREGOING LIMITATIONS MAY NOT APPLY TO SUBSCRIBER.

11. INDEMNIFICATION

Subscriber shall indemnify and hold harmless CASHFLOWCAFE.com, its directors, officers, employees and agents from and against all liabilities, losses, costs, expenses (including reasonable attorneys' fees), and damages resulting from any negligent acts, omissions or willful misconduct by Subscriber, Subscriber's use of the Services and/or any breach of the terms and conditions of this Agreement by Subscriber

12. INTERNATIONAL USE

CASHFLOWCAFE.com makes no representation that materials on its web site(s) are appropriate or available for use in locations outside the United States, and accessing them from territories where their contents are illegal is prohibited. Subscriber agrees to comply with all applicable foreign and domestic laws, rules and regulations regarding the transmission of technical data exported from or imported to the United States or the country in which Subscriber resides.

13. MODIFICATION TO AGREEMENT

CASHFLOWCAFE.com reserves the right to change the terms and conditions of this Agreement, by posting a revised version of the Agreement on this or its successor site.

Use of the Services signifies Subscriber's agreement to all terms, conditions and notices contained or referenced herein. Continued use of any part of the Services following the posting of any changes to this Agreement constitutes acceptance of those changes, and all changes shall thereupon become binding upon the Subscriber.

If Subscriber does not agree to the changes, Subscriber shall immediately cease all use of the Services.

14. RULES AND REGULATIONS

Subscriber shall be solely liable for any transmissions sent through the Service. CASHFLOWCAFE.com has no control over the content of any transmission nor will it be liable for such content.

Subscriber shall not use the Services to create or distribute any images, sounds, messages or other materials, which are obscene, harassing, racist, malicious, fraudulent infringing or libelous, nor use the Services for any activity that may be considered or are unethical, immoral, violative of any third party's rights, or illegal.

Further, Subscriber will abide by all rules, regulations, procedures and policies of CASHFLOWCAFE.com and any policies of the networks connected to the Services.

Subscriber agrees to abide by all applicable local, state, national, foreign and international laws and regulations and is solely responsible for all acts or omissions that occur under Subscriber's account or password, including the content of Subscriber's transmissions through the Service. By way of example, and not as a limitation, Subscriber agrees not to:

Use the Service in connection with chain letters, junk email, voice mail, faxes, spamming or any duplicative or unsolicited messages (commercial or otherwise);

Harvest or otherwise collect information about others, including email addresses, without their consent;

Create a false identity or forged email address or header, or otherwise attempt to mislead others as to the identity of the sender or the origin of the message;

Transmit through the Service unlawful, harassing, libelous, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable material of any kind or nature;

Transmit any material that may infringe the intellectual property rights or other rights of third parties, including trademark, copyright or right of publicity;

Transmit any material that contains viruses, trojan horses, worms, time bombs, cancelbots, or any other harmful or deleterious programs;

Violate any U.S. or foreign law regarding the transmission of technical data or software exported through the Service;

Interfere with or disrupt networks connected to the Service or violate the regulations, policies or procedures of such networks;

Attempt to gain unauthorized access to the Service, other accounts, computer systems or networks connected to the Service, through password mining or any other means;

Interfere with another member's use and enjoyment of the Service or another entity's use and enjoyment of similar services.

CASHFLOWCAFE.com is under no obligation to monitor the information or content available or transmitted through the Services. Subscriber agrees that

CASHFLOWCAFE.com shall have the right, but not the obligation, at its sole discretion, to refuse or remove any content, in whole or in part, that violates this Agreement or is otherwise objectionable. Subscriber acknowledges and agrees that CASHFLOWCAFE.com may preserve content and may also disclose content if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to:

Comply with the legal process

Enforce this Agreement

Respond to claims that any Content violates the rights of third-parties

Protect the right, property, or personal safety of CASHFLOWCAFE.com, its users and the public.

Subscriber may provide information, including but not limited to feedback, data, answers, questions, comments, suggestions, plans and ideas to CASHFLOWCAFE.com. Such information shall be deemed non-confidential and CASHFLOWCAFE.com assumes no obligation to protect such information from disclosure. The submission of such information to CASHFLOWCAFE.com shall in no way prevent the purchase, manufacture, or use of similar products, services, plans and ideas by CASHFLOWCAFE.com for any purpose whatever.

CASHFLOWCAFE.com shall be free to reproduce, use, disclose and distribute such information to others without restriction. Subscribers shall have no recourse against CASHFLOWCAFE.com for alleged infringement or misappropriation in connection with any information or materials submitted to CASHFLOWCAFE hereunder.

15. ELECTRONIC TRANSACTIONS

Subscriber agrees that by entering into transactions with CASHFLOWCAFE.com, Subscriber affirms consent to receive all information, copies of agreements and correspondence ("Documents") from CASHFLOWCAFE.com in an electronic format, and to also send information to CASHFLOWCAFE.com in an electronic format, either through Subscriber's account or via email, at CASHFLOWCAFE.com's discretion.

Subscriber agrees to treat any such electronic Documents received from CASHFLOWCAFE.com or sent to CASHFLOWCAFE.com as being legally equivalent to any "written" information Subscriber would receive or send in print or by postal mail.

Subscriber's transactions with CASHFLOWCAFE.com indicates that Subscriber agrees to treat all electronic Documents received from or sent to CASHFLOWCAFE.com as having full legal enforceability and legal effect. In any situation where Subscriber's signature may be required to process a transaction, compliance with a commercially reasonable attribution procedure agreed to or adopted by the parties or established by law for authenticating a record shall authenticate the record.

Without limiting the foregoing, the parties agree that if Subscriber enters the username of Subscriber's account, and enters the PIN number or password associated with the account, such process shall constitute a legally-binding signature by Subscriber.

Subscriber acknowledges and agrees that CASHFLOWCAFE.com will not be responsible for Subscriber's failure to receive any electronic Documents, and in the event Subscriber is expecting to receive some electronic Documents that in fact Subscriber does not receive, Subscriber will notify CASHFLOWCAFE.com immediately. Subscriber further acknowledges and agrees that Subscriber's responsibilities or the methods by which CASHFLOWCAFE.com sends Subscriber electronic Documents may be altered from time to time, at CASHFLOWCAFE.com's discretion, and CASHFLOWCAFE.com will give Subscriber advance notice of such changes.

Subscriber agrees that Subscriber will take all reasonable measures to protect the security and confidentiality of all PINs, usernames and passwords issued hereunder and will inform CASHFLOWCAFE.com immediately if Subscriber discovers that any of these items have been given out (intentionally or accidentally) to other people.

Subscriber agrees that Subscriber will review Subscriber's transaction(s) carefully prior to accepting them and that once Subscriber accepts any transaction, it will be final, binding upon Subscriber and unchangeable in any way.

16. BILL PAYMENT

Depending on the services provided to and requested by Subscriber, Subscriber may be required to pay monthly subscription charges and enhanced service charges in connection with the Services, as stated by CASHFLOWCAFE.com. There may be additional fees if Subscriber requests a change in any Services. Depending upon the level of Services selected by Subscriber, there may be charges for calls to or from certain locations, including without limitation payphones, and areas within extended calling zones. There may also be applicable taxes, surcharges, assessments, government fees and charges for any special or enhanced services Subscriber uses. Any of the foregoing may be billed to Subscriber when they reach a limit as CASHFLOWCAFE.com determines at its sole discretion.

CASHFLOWCAFE.com bills subscription charges and charges for certain enhanced Services in advance. Subscriber will pay CASHFLOWCAFE.com for all charges billed to Subscriber's account, whether or not Subscriber was the user of the account. Subscriber has the right to dispute charges on Subscriber's bill, but only if Subscriber notifies CASHFLOWCAFE.com of the dispute within thirty (30) days after the applicable billing date. If Subscriber fails to notify CASHFLOWCAFE.com of any dispute within such thirty (30) day period, Subscriber shall have irrevocably waived the right to dispute any such charge. Subscriber must pay all charges on time until the dispute is resolved. If the dispute is resolved in Subscriber's favor, CASHFLOWCAFE.com will refund the disputed amounts to Subscriber.

CASHFLOWCAFE.com will charge Subscriber the rates in effect under Subscriber's subscription plan, plus any enhanced service charges at the time of subscription, as such rates may be updated by CASHFLOWCAFE.com from time to time. Some charges (such as, but not limited to, surcharges) may accumulate in Subscriber's account before Subscriber is charged for such amounts, or such amounts may be charged to Subscriber as assessed. If Subscriber has enrolled in a then-current subscription plan and chooses to change the plan, and if there are one or more days remaining on Subscriber's current subscription, Subscriber will be credited for those days in the calculation of Subscriber's charges. Subscriber's billing cycle starts on the day the subscription purchase is successfully processed. If there is a change in subscription plan, there may be a resulting change in Subscriber's billing date.

Subscriber agrees that all payments will be made to CASHFLOWCAFE.com via credit or debit card, issued by a US bank, including MasterCard®, VISA®, American Express® or Discover®. CASHFLOWCAFE.com may change the credit cards accepted at any time, at its sole discretion. Subscriber's name and address as it appears on Subscriber's CASHFLOWCAFE.com account must also be on the credit account from which Payment is made. If Subscriber provides a credit card number that CASHFLOWCAFE.com accepts for payment of Subscriber's monthly bills, Subscriber is authorizing CASHFLOWCAFE.com to charge the amounts Subscriber owes, then or later, to that credit card account and to demand immediate payment from the card issuer. Subscriber also agrees to pay, under the terms of Subscriber's agreement with the card's issuer, the amounts charged to Subscriber's credit card. Every time Subscriber uses CASHFLOWCAFE.com Services, Subscriber re-affirms that CASHFLOWCAFE.com is authorized to charge Subscriber's card. Subscriber agrees to authorize CASHFLOWCAFE.com to charge purchases made online to the credit card account supplied to CASHFLOWCAFE.com when the subscription was initiated, or the card that CASHFLOWCAFE.com has on file when the purchase is made. Subscriber agrees to pay all costs and expenses, including without limitation attorney's fees, incurred by CASHFLOWCAFE.com to collect any monies due under terms of this Agreement.

17. GENERAL

This Agreement, including any documents incorporated herein by reference, merges all prior written and oral communications and defines the entire agreement of the parties concerning the Services.

In the event any portion of this Agreement shall be held illegal, void, or ineffective, the remaining portions hereof shall remain in full force and effect and such illegal, void or ineffective provisions shall be construed, as nearly as possible, to reflect the intentions of the parties.

All notices under this Agreement shall be in writing and delivered by email or in writing.

This Agreement shall be construed in accordance with the laws of the State of Nevada without regard to its conflict of law provisions. Each party agrees to submit to the exclusive jurisdiction of the state and federal courts located in Nevada, and irrevocably waive any right that such party may have to assert that such forum is not convenient or that any such court lacks jurisdiction.

Subscriber agrees and acknowledges that any breach of the provisions regarding ownership contained in this Agreement shall cause CASHFLOWCAFE.com irreparable harm and CASHFLOWCAFE.com may obtain injunctive relief as well as seek all other remedies available to CASHFLOWCAFE.com in law and in equity.

Subscriber shall not transfer or assign this Agreement or Subscriber's rights under this Agreement. Any purported transfer or assignment in violation of this section is void. Subject to the foregoing, this Agreement shall be binding on and inure to the benefit of the parties, their successors, permitted assigns and legal representatives.

The failure of CASHFLOWCAFE.com to exercise its rights under this Agreement will not be construed as a waiver of such rights, nor will it in any way affect the validity of this Agreement. The provisions of this Agreement relating to intellectual property ownership, restrictions on use or disclosure of the Services, disclaimers of warranties, limitations of liability and indemnification shall survive termination or expiration of this Agreement for any reason.

The U.N. Convention for the Sale of Goods shall not be applicable to this license of the Services to Subscriber.

The section titles in this Agreement are for convenience only and have no legal or contractual effect.

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