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 IMPORTANT - READ CAREFULLY: The Smartersmallbusiness.com service (the "Service") is owned and operated by Smarter Small Business Inc., ("Smarter Small Business Inc."), a California corporation, and is provided to you ("You") under the terms and conditions of these Smarter Small Business Inc. Terms of Service ("Terms"), which include Smarter Small Business Inc.'s Privacy Policy and Registration Form, available through the hyperlinks set forth below and incorporated herein by reference. BY COMPLETING THE ELECTRONIC ACCEPTANCE PROCESS AND CLICKING THE "SUBMIT" BUTTON, YOU REPRESENT AND WARRANT THAT YOU: (i) ARE AUTHORIZED TO SIGN FOR AND BIND THE CONTRACTING PARTY AND (ii) AGREE TO BE BOUND BY ALL OF THE TERMS AND CONDITIONS OF THIS AGREEMENT, INCLUDING THE DISCLAIMERS AND LIMITATIONS OF LIABILITY SET FORTH IN SECTIONS 9 AND 10 BELOW.

1. DESCRIPTION OF SERVICE. The Service provided by Smarter Small Business Inc. allows You online access to Business planning, training and implementation tools as determined and designated by You.

2. REGISTRATION. To use the Service, You must submit a complete Smarter Small Business Inc.’s Smartersmallbusiness.com registration form, which is available at https://www.smartersmallbusiness.com.com (the "Registration Form"), on Your behalf. As part of the registration process for the Service, You agree to: (1) provide certain limited information about You as prompted to do so by the Service (such information to be current, complete and accurate) and (2) maintain and update this information as required to keep it current, complete and accurate. The information requested on original signup shall be referred to as registration data ("Registration Data"). If Smarter Small Business Inc. discovers that any of Your Registration Data is inaccurate, incomplete or not current, Smarter Small Business Inc. may terminate Your right to access and receive the Service immediately upon notice. Smarter Small Business Inc. will evaluate the registration application in good faith and will notify You in a timely manner regarding acceptance or rejection. Smarter Small Business Inc. may reject a registration application if it determines, in its sole discretion, that the user is not an appropriate subscriber or user of the Service. Smarter Small Business Inc. reserves the right to refuse the Service to any user who has canceled any number of previous Service accounts. Smarter Small Business Inc. need not provide a reason for its rejection. If Smarter Small Business Inc. rejects Your application, then You may reapply and Smarter Small Business Inc. will reconsider the application. You may not register for this Service if You are under 18 years of age. By registering for this Service You represent to Smarter Small Business Inc., that You are 18 years of age or older. Upon acceptance of this agreement and completion of the registration process You will have opened an account with Smarter Small Business Inc. and will become a subscriber to the Smartersmallbusiness.com Service.

3. SERVICES

(a) Description of Service. Smartersmallbusiness.com provides the registered user with online access to the planning, training and implementation tools and resources from any Web browser. Smarter Small Business Inc. makes the Smartersmallbusiness.com Service available under a number of different subscription plans. Please confirm that the plan for which You are registering meets Your needs by reviewing the "membership plans." To access  all of the Service during your 30 free trial you will need to activate your credit card account.
(b) Fees and Payments. You can always find the current Subscription Fees and charges posted under My Account on the Smartersmallbusiness.com or ssbsd.com Web site. Your subscription will continue and renew automatically unless terminated by Smarter Small Business Inc. or until You notify Smarter Small Business Inc. of Your decision to change Your subscription renewal. For cancellation instructions, log in to your account and click on the Cancellation Info section of your My Account page. If there are any annual, monthly or similar periodic fees for Your subscription, these fees will be billed automatically to the credit card designated during the registration process for Smartersmallbusiness.com, or subsequently designated to Smarter Small Business Inc. at the start of the subscription period and at the start of each renewal period, unless You terminate Your subscription before the relevant period begins. You agree to pay or have paid all fees and charges incurred in connection with Your subscription for Smartersmallbusiness.com (including any applicable taxes) at the rates in effect when the charges were incurred. All fees and charges are nonrefundable. Smarter Small Business Inc. may change the fees and charges then in effect, or add new fees or charges, by giving You notice in advance. All fees and charges incurred in connection with Your user name and password will be billed to the credit card designated during the registration process for Smartersmallbusiness.com or subsequently designated to Smarter Small Business Inc.. You also are responsible for any fees or charges incurred to access Smartersmallbusiness.com through an Internet access provider or other third party service. YOU, AND NOT Smarter Small Business Inc., ARE RESPONSIBLE FOR PAYING ANY AMOUNTS BILLED TO YOUR CREDIT CARD BY A THIRD PARTY, WHICH WERE NOT AUTHORIZED BY YOU. This Agreement is personal to You, and You may not assign Your rights or obligations to anyone.

(c) Credit Cards. As a condition to your right to use the Service, You must provide us with a valid credit card number belonging to you with available credit sufficient to pay the applicable Service Fees. In the event that you cancel this credit card or it is otherwise terminated, you must immediately provide us with a new valid credit card number. You authorize Smarter Small Business Inc., from time to time, to undertake steps to determine whether the credit card number you have provided to us is a valid credit card number. In the event that you do not provide us with a current valid credit card number with sufficient credit upon request during the effective period of this Agreement, you will be in violation of this Agreement, and we may terminate this Agreement with You. Smarter Small Business Inc. does not accept debit cards for payment of Service Fees. In the event that you provide us with a debit card number instead of a credit card number, you authorize us to make all charges described in this Agreement to your debit card account.

(d) Trial Offers, Coupons, Credits and Special Offers. Smarter Small Business Inc. reserves the right to discontinue or modify coupons, credits and special promotional offers at our discretion. The Free Trial offer associated with Smartersmallbusiness.com entitles new, registered subscribers to a one-time free trial usage of the service. Free Trial terms vary by promotional offer. At the end of the trial period You will be automatically subscribed and we will bill your credit card for the fees to the Service plan You selected at registration or to a default Service plan for trial subscribers selected by Smarter Small Business Inc.. If You wish to terminate the trial and do not wish to subscribe to a plan, You must cancel before the end of your trial period. For cancellation instructions, log in to your account and click on the Cancellation Info section of your My Account page.

4. USER CONDUCT AND PROPRIETARY RIGHTS

(a) No Resale or Commercial Use of the Service. Your right to use the Service is personal to You. You may be either an individual or a corporation or business entity, but You agree not to resell the use of the Service, any downloadable plug-in or other materials or any information obtained by You without the express written consent of Smarter Small Business Inc..

(b) Conduct. You are solely responsible for the content of Your transmissions through the Service. Smarter Small Business Inc. does, however, reserve the right to take any action with respect to the Service that Smarter Small Business Inc. deems necessary or appropriate in Smarter Small Business Inc.'s sole discretion if Smarter Small Business Inc. believes You or Your transmissions or use of the Service may create liability for Smarter Small Business Inc.. Your use of the Service is subject to all applicable local, state, national and international laws and regulations (including without limitation those governing account collection, export control, consumer protection, unfair competition, anti-discrimination or false advertising). You agree: (1) to comply with all United States laws, rules and other regulations applicable in connection with the Service; (2) not to use the Service for illegal purposes; (3) not to interfere or disrupt networks or servers connected to the Service; (4) not to use the Service to infringe any third party's copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy; and (5) not to transmit through the Service, through Feedback or otherwise, any unlawful, harassing, libelous, abusive, threatening, harmful, vulgar, obscene or otherwise objectionable material of any kind or nature. You will not attempt to gain unauthorized access to other members’ plans or systems and You will not interfere with another user's use and enjoyment of the Service.

(c) Proprietary Rights. In accordance with Your authorized use of the Service, Smarter Small Business Inc. grants You a limited license to use the tools and resources solely in connection with the Service offered by Smarter Small Business Inc.. You acknowledge that the information downloaded in connection with the Service is proprietary to Smarter Small Business Inc. and may be protected by copyrights, trademarks, product marks, patents or other proprietary rights and laws; therefore, You are only permitted to use this information as expressly authorized by the Service and these Terms. Further, Smartersmallbusiness.com, ssbsd.com, Smarter Small Business Inc. and the Smarter Small Business Inc. logo, and other names, logos, icons and marks identifying Smarter Small Business Inc.'s products and services are trademarks of Smarter Small Business Inc. and may not be used without the prior written permission of Smarter Small Business Inc.. All other product names mentioned are used for identification purposes only and may be trademarks of their respective holders. You may not copy, reproduce, distribute or create derivative works of this plug-in without expressly being authorized to do so by Smarter Small Business Inc.. Further, You may not reverse engineer, decompile, alter, modify, disassemble or otherwise attempt to derive source code from the information online. All rights not expressly granted in these Terms are reserved to Smarter Small Business Inc..

5. PRIVACY. Smarter Small Business Inc. will not sell or rent Your personally identifiable information to anyone unless You expressly consent to disclosures of Your personal identification and other personal information to third parties. We may send personally identifiable information about You to third parties when: a) We have Your consent to share the information or b) We find that Your actions on our Web site violate this Terms of Service or c) We respond to subpoenas, court orders or legal processes which require us to disclose Registration Data or any information about You to law enforcement or other government officials as Smarter Small Business Inc., in its sole discretion, believes necessary or appropriate.

6. MODIFICATIONS. Smarter Small Business Inc. may amend these Terms at any time by (i) posting a revised Terms of Service document on https://www.smartersmallbusiness.com or ssbsd.com and/or (ii) sending information regarding the Terms amendment to the email address You provide to Smarter Small Business Inc.. You are responsible for regularly reviewing the https://www.smartersmallbusiness.com  site to obtain timely notice of such amendments. You manifest intent to accept these amended terms if You continue to use Your membership account after such amended terms have been posted or information regarding such amendment has been sent to You. Otherwise, these Terms may not be amended except in writing signed by both parties. Further, Smarter Small Business Inc. reserves the right to modify or discontinue the Service with or without notice to You. Smarter Small Business Inc. shall not be liable to You or any third party should Smarter Small Business Inc. exercise its right to modify or discontinue the Service.

7. PASSWORDS AND SECURITY. As part of the registration process, You will use Your email address as Your user name and You will choose Your passwords for access to this account and to Your account. You agree to carefully safeguard all of Your passwords. You are solely responsible if You do not maintain the confidentiality of passwords and account information. Furthermore, You are solely responsible for any and all activities that occur under Your account. You agree to immediately notify Smarter Small Business Inc. of any unauthorized use of Your account or any other breach of security known to You, including if You believe that Your password or account information has been stolen or otherwise compromised.

8. CANCELLATION. You may terminate Your Account and end Your use of the Service at any time, for any reason or for no reason. For cancellation instructions, log in to your account and click on the Billing Info section of your My Account page. Upon termination of Your account, You shall remain liable for all fees incurred or accrued by You and any fees you may have paid in advance are nonrefundable. Upon expiration or termination for any reason, You are no longer authorized to use the Service. When this Agreement is terminated and/or Your Account is canceled, You will no longer have access to data and other material You have stored on the Site and that material may be deleted by Smarter Small Business Inc..
TERMINATION. Smarter Small Business Inc. may immediately terminate Your membership and right to use the Service if (a) You breach these Terms; (b) Smarter Small Business Inc. is unable to verify or authenticate any information You provide to Smarter Small Business Inc.; (c) such information is inaccurate; or (d) Smarter Small Business Inc. decides, in its sole discretion, to discontinue offering the Service. Smarter Small Business Inc. shall not be liable to You or any third party for termination of the Service.

9. Maintenance and Updates. You understand that Smarter Small Business Inc. may update the website at any time, but is under no obligation to inform You of or furnish to You any such updates. This Agreement does not grant You any right, license or interest in or to any support, maintenance, improvements, modifications, enhancements or updates to the Software or supporting documentation. To the extent that Smarter Small Business Inc. supplies any updates to You, such updates will be deemed to be subject to the terms of this Agreement unless Smarter Small Business Inc. indicates otherwise. Smarter Small Business Inc. reserves the right to charge fees for any future versions of, or updates to, this Software.

10. DISCLAIMER OF WARRANTIES. YOU EXPRESSLY AGREE THAT USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" BASIS. Smarter Small Business Inc. 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. Smarter Small Business Inc. MAKES NO WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY OR ERROR FREE, NOR DOES Smarter Small Business Inc. MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE OR THE ACCURACY OF ANY OTHER INFORMATION OBTAINED THROUGH THE SERVICE OR THAT DEFECTS IN THE SERVICE WILL BE CORRECTED. YOU UNDERSTAND AND AGREE THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED (INCLUDING DOWNLOADS) THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA. NO INFORMATION OR ADVICE, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM Smarter Small Business Inc. OR THROUGH THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

11. LIMITATION OF LIABILITY. IN NO EVENT SHALL Smarter Small Business Inc. OR THEIR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICE, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, EVEN IF Smarter Small Business Inc. HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Smarter Small Business Inc.'s LIABILITY TO YOU OR ANY THIRD PARTY IS LIMITED TO $50. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

12. INDEMNITY. You hereby agree, at Your expense, to indemnify, defend and hold Smarter Small Business Inc. harmless from and against any loss, cost, damages, liability or expense arising out of or relating to (a) a third-party claim, action or allegation of infringement based on information, data, files or other content submitted by You; (b) any fraud or manipulation, or other breach of these Terms by You; or (c) any third-party claim, action or allegation brought against Smarter Small Business Inc. arising out of or relating to a dispute between its users over the terms and conditions of a contract or related to the purchase and sale of any services.

13. GENERAL TERMS. These Terms are governed in all respects by the laws of the State of California as such laws are applied. Both parties submit to personal jurisdiction in California and further agree that any cause of action relating to these Terms shall be brought in a court in San Diego County, California. If any provision of this Agreement is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall be enforced. Smarter Small Business Inc.'s failure to act with respect to a breach by You does not waive Smarter Small Business Inc.'s right to act with respect to subsequent or similar breaches. You may not assign or transfer this Agreement or any rights hereunder, and any attempt to the contrary is void. This Agreement shall inure to the benefit of and be binding upon each party's successors and assigns. Smarter Small Business Inc. shall not be liable for any delay or failure to perform resulting directly or indirectly from any causes beyond Smarter Small Business Inc.'s reasonable control. Unless otherwise provided in this Agreement, any notice required or permitted to be given under this Agreement shall be delivered (i) by hand; (ii) by registered or certified mail, postage prepaid and return receipt requested to the address provided by the other party, or to such other address as a party may designate by written notice in accordance with this Section 12; (iii) by overnight courier or (iv) by electronic mail with confirming letter mailed under the conditions described in (ii). Notice so given shall be deemed effective when received, or if not received by reason of fault of addressee, when delivered. These Terms constitute the complete and exclusive understanding and agreement of the parties relating to the subject matter hereof and supersedes all prior understandings, proposals, agreements, negotiations and discussions between the parties, whether written or oral.

You understand and agree that You are solely responsible for periodically reviewing the Terms of Service.

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