Valliance Terms of Use

Scope
Any use of this web site provided by the Valliance Financial Network, any member companies, or any associates, "Valliance Web Site", is subject to these Terms of Use. These Terms of Use may be amended, modified or replaced by other terms and conditions at any time. With log-in, or where a log-in is not required, in accessing or using the Valliance Web Site these Terms of Use are accepted in their then current version.

Services
This Valliance Web Site contains specific information for viewing or downloading.

Valliance may stop the operation of the Valliance Web Site in full or in part at any time. Due to the nature of the internet and computer systems, Valliance cannot accept any liability for the continuous availability of the Valliance Web Site.

Registration, Password
Some sections of the Valliance Web Site may be password protected. In the interest of safety and security of the business transactions, only registered Users may access said sections. Valliance reserves the right to deny registration to any User. Valliance particularly reserves the right to determine certain sites, which were previously freely accessible, subject to registration and/or fees. Valliance is entitled, at any time and without obligation to give reasons, to deny the User the right to access the password-protected area by blocking its User Data (as defined below), in particular if the User

uses false data for the purpose of registration;
violates these Terms of Use or neglects its duty of care with regard to User Data;
violates any applicable laws in the access to or use of the Valliance Web Site.

For registration the User shall give accurate information and, where such information changes over time, up-date such information (to the extent possible: online) without undue delay. The User shall ensure that its e-mail address, as supplied to Valliance, is current at all times and an address at which the User can be contacted.

Upon registration the User will be provided with an access code, comprising a User ID and a password ("User Data"). On first access the User shall promptly change the password received from Valliance into a password known only to the User. The User Data allows the User to view or change its data or, as applicable, to withdraw its consent to data processing.

The User shall ensure that User Data is not accessible by third parties and is liable for all transactions and other activities carried out under its User Data. At the end of each online session, the User shall log-off from the password protected websites. If and to the extent the User becomes aware that third parties are misusing its User Data the User shall notify Valliance thereof without undue delay in writing, or, as the case may be, by e-mail.

After receipt of the above mentioned notice, Valliance will deny access to the password-protected area under such User Data. Access by the User will only be possible again upon the User's application to Valliance or upon new registration.

The User may at any time request termination of its registration in writing or via email provided that the deletion will not violate the proper performance of contractual relationships. In such event Valliance will remove all user data and other stored personally identifiable data of the User as soon as these data is no longer needed.

Rights of Use to Information, Software and Documentation
The use of any information or software made available on or via this Valliance Web Site is subject to these Terms of Use. Separately agreed to license terms shall prevail over these Terms of Use.

Valliance grants User a non-exclusive and non-transferable license, which may not be sublicensed, to use the information and software made available to the User on or via the Valliance Web Site to the extent agreed, or in the event of no such agreement to the extent of the purpose intended by Valliance in making same available.

The information on the Valliance website is protected by copyright laws as well as international copyright treaties as well as other laws and conventions related to intellectual property. The User shall observe such laws.

Intellectual Property
Notwithstanding the particular provisions above, information, brand names and other contents of the Valliance Web Site may not be changed, copied, reproduced, sold, rented, supplemented or otherwise used without the prior written permission of Valliance.

Except for the rights of use and other rights expressly granted herein, no other rights are granted to the User nor shall any obligation be implied requiring the grant of further rights. Any and all licenses are expressly excluded.

Duties of the User
In accessing or using the Valliance Web Site the User shall not

harm other persons, in particular minors, or infringe their personal rights;
breach public morality in its manner of use;
violate any intellectual property right or any other proprietary right;
upload any contents of a malicious nature, including but not limited to any content containing viruses, Trojan Horses or exploits.
transmit, store or upload hyperlinks or contents to which the User is not entitled, in particular in cases where such hyperlinks or contents are in breach of confidentiality obligations or unlawful; or
distribute advertising or unsolicited e-mails (so-called "spam") or inaccurate warnings of viruses, defects or similar material and the User shall not solicit or request the participation in any lottery, snowball system, chain letter, pyramid game or similar activity.

Valliance may deny access to the Valliance Web Site at any time, in particular if the User breaches any obligation arising from these Terms of Use.

Hyperlinks
The Valliance Web Site may contain hyperlinks to the web pages of third parties. Valliance shall have no liability for the contents of such web pages and does not make representations about or endorse such web pages or their contents as its own, as Valliance does not control the information on such web pages and is not responsible for the contents and information given thereon. The use of such web pages shall be at the sole risk of the User.

Liability for defects of title or quality
Insofar as any information, software or documentation is made available at no cost, any liability for defects as to quality or title of the information, software and documentation especially in relation to the correctness or absence of defects or the absence of claims or third party rights or in relation to completeness and/or fitness for purpose are excluded except for cases involving willful misconduct or fraud.

The information on the Valliance Web Site may contain specifications or general descriptions related to services which may not be available in certain cases. The required performance of the services shall therefore be mutually agreed in each case at the time of purchase.

Other Liability, Viruses
The liability of Valliance for defects in relation to quality and title shall be determined in accordance with the provisions above. Any further liability of Valliance is excluded unless required by law. The damages in case of breach of fundamental contractual obligations is limited to the contract-typical, foreseeable damage if there is no willful misconduct or gross negligence.

Although Valliance makes every endeavor to keep the Valliance Web Site free from viruses, Valliance cannot make any guarantee that it is virus-free. The User shall, for its own protection, take the necessary steps to ensure appropriate security measures and shall utilize a virus scanner before downloading any information, software or documentation.

Data Privacy Protection
For collection, use and processing of personally identifiable data of the User of the Valliance Web Site, Valliance shall comply with applicable laws on data privacy protection and the Valliance Web Site Data Protection Privacy Policy, which is available per hyperlink on the Valliance Web Site at www.Valliance.com.

Supplementary Agreements, Place of Jurisdiction, Applicable Law
Any supplementary agreement requires the written form.

These Terms of Use shall be governed by - and all disputes relating to or in connection with these Terms of Use or their subject matter shall be resolved in accordance with - the laws of The State of California.