1. Acceptances:  By using our website and our services you understand, agree and accept the below terms and conditions.  By accepting these terms and conditions you understand that they substitute all previous verbal or written understandings, representation, statements and/or agreements concerning the services that we provide or the material expressed on our website.
  2. Website Use.  Upon using our website, you agree not to send and receive any information that is unlawful, illegal, harmful, threatening, abusive, harassing, degrading, defamatory, libelous, discriminatory, prejudice, invasive and/or exploitive to any other persons or entities in any way.  You agree to use this website for its sole intended purposes. In no event shall you use this website that will violate any local, state, federal or international law, rules and regulations.
  3. Website and Representation and Warranties:  All of the information and material provided on our website and the services we provide are on an “As-Is” and “As Available” bases.  To the fullest extent permitted by applicable law, in no event do we represent, warrant or guarantee of any kind, that our service will be free from any delay, failure, interruption, corruption or otherwise from any financial institution or delivery carrier.  Nor do we represent, warrant or guarantee that our website will be error free from any technical issues or failures, bugs, etc.  We are under no obligation to provide you with any support, error corrections, updates, upgrades, bug fixes and/or enhancements of our website.  THE FOREGOING IS IN LIEU OF ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTY OF MERCHANTABILITY AND THE IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE.
  4. Use of Private Information.  We shall use your private information for the following purposes;
    1. Personalize your experience with any services that we offer.
    2. To improve our website based on your feedback and responses.
    3. Improve our customer services in responding to requests.
    4. Administrator in any promotional efforts that we may offer.
  5.  Accuracy.  We endeavor to ensure that any private information provided by you is accurate, current and complete as is necessary to fulfill the purposes for which the information has been collected, used retained and disclosed.
  6. Nondisclosure of Private Information.  We shall not sell, exchange, transfer or provide your Private Information to any third parties without your effective written consent, unless;
    1. Such disclosure is provided to trusted 3rd parties for the purposes of assisting us in operating our website, conducting our business, or servicing you or,
    2. Such Private Information becomes public information or,
    3. Where we are compelled by state or federal law or court order.
    4. In such event we will give you notice of such law or court order to allow you properly response or mitigate a proper defense.
  7. Rights to Intellectual Property. This shall not be construed as creating, conveying, transferring, granting or conferring upon us, any rights, license or authority in or to the information provided, except the limited right to use Private Information. Furthermore and specifically, no license or conveyance of any intellectual property rights is granted or implied by these terms and conditions.
  8. Use of Cookies and Spyware.
    1. We do not use and/or install any spyware on your computer, nor use spyware to retrieve from your computer.
    2. We use cookies, which are downloaded unto your computer through your web browser. The cookies are for your purposes in identifying your account and to optimize your browsing experience.
  9. 3rd Party Links. From time to time we may include 3rd party links to our website. These 3rd party sites have separate and independent privacy policies of their own.  We shall bear no responsibility or liability for the content and activities of such 3rd party links.
  10. TOU Revisions. We reserve the right, at our sole discretion, to change, modify or otherwisealter these terms and conditions at any time. Such modifications shall become effective immediately upon the posting thereof.
  11. Forum/Choice of Law. These terms and conditions are made under and shall be construed according to the laws of the State of Texas. In the event that these terms and conditions are breached, any and all disputes must be settled in a applicable court of competent jurisdiction in State of Texas.
  12. Assignment/Transfer:You may not transfer, assign or convey this agreement to any other person whatsoever.
  13. No Waiver: The waiver or failure of by us to exercise in any respect or any right provided in this agreement shall not be deemed or constitute a waiver of any other right or remedy to which we may be entitled.
  14. Unenforceable Provisions.  If any of the provisions herein are found to be unenforceable, the remainder shall be enforced as fully as possible and the unenforceable provision(s) shall be deemed modified to the limited extent required to permit enforcement of the terms and conditions as a whole.