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Terms And Conditions

1. Definition of Terms

A. Points - The term "Points" refers to potential credits that may accumulate in your Member Account. "Points" do not become a vested contract right and have no cash or monetary value whatsoever, unless and until all the terms and conditions of this Agreement are fully met and they become Earned Points as described below.

B. Earned Points - Once all terms and conditions of this Agreement are met and the Member actually chooses to redeem the Points and directs how the points will be redeemed, then Points become Earned Points. Until both of the foregoing conditions are met, Points are unearned and do not represent a contract right or claim and have no cash or monetary value.

C. Non-Compliant - If a Member does not maintain a correct email address at the OnlineMoneyWorld Site, that Member's status becomes Non-Compliant. Even if a correct email address is maintained by Member at the Site, if Member does not respond to the Site emails or survey invitations for a period of eighteen (18) consecutive months or thirty (30) consecutive occasions, the Member's status will become Non-Compliant, as explained in section 8.J.
D. Incentives - A term that refers to any and all awards, cash, prizes, credits, or Points that may be offered to Members as inducements to participate in Research Projects. Cash or gift awards will be mailed to the Member's mailing address. Cash or gift awards do not go into Member Accounts. Only Points are recorded in Member Accounts, and those Points have no cash or monetary value until Earned, as described in this Agreement.
E. Incentive Program - A term that refers to the incentives and terms and conditions related thereto in this Agreement. F. Member - An individual who has completed the OnlineMoneyWorld Site registration form and signaled acceptance of this Terms and Conditions Agreement by clicking on the "I Agree" button and/or by usage of the Site and by participation in Research Projects.
G. Compliant Member - A Member who maintains a current and accurate email address in his/her Member Account at the Site and responds to at least one email, screener, or survey invitation within a period of eighteen (18) consecutive months or thirty (30) consecutive occasions, as explained in section 8.J.
H. Member Accoun - The account created by registering at the Site and accepting this Terms and Conditions Agreement.
I. Research Projects - This term refers to any activities, tasks, or assignments that Members may be asked to perform, including screeners, surveys, group discussions, ideation projects, innovation projects, mystery shopping, store visits, etc.
From time to time, the terms and conditions of this Agreement may be modified. You will be notified of any changes by notice posted on Site.

2. Agreement to Conduct Transactions by Email

You agree that all of your transactions with the Site (and the Site's transactions with you) will be conducted by email or similar electronic communications (this is imperative because the economics of online panels simply do not permit communication by regular mail or telephone). If you need to contact us by phone, or if we need to contact you, you agree that phone conversations (if any) may be recorded. Regardless of method of transaction or contact, all of the terms of this Agreement remain the same. If the law allows you to withdraw this consent or if we are ever required to handle transactions or communications non-electronically (or if electronic communications increase in cost or are taxed), we reserve the right to charge your Member Account to cover any such incremental communication costs. You agree to update the information in your Member Account at least every 12 months (or more often if necessary) so that the information therein is current, accurate, and true. You agree to maintain your correct and current email address in Member Account at all times, and understand that failure to maintain a correct email address means your Member Account will become Non-Compliant and that you will not earn the Points that may have accumulated in your Member Account, as explained in section 8.J. You further understand and agree that your failure to respond to email or similar electronic communications from the Site for a period of eighteen (18) consecutive months or thirty (30) consecutive occasions and failure to respond to notice thereof for a period of 30 days is a breach of this Agreement and means that your Member Account will become Non-Compliant and that you will not earn the Points that may have accumulated in your Member Account.

2A. Agreement to Conduct Transactions by SMS/Text Messaging

a. Subscribers to our service alert system have opted-in to receive text alerts from one or more of the following short codes: 24411, 444999, and/or 36546 concerning confirming if you are opted in, how to receive help, and how to opt out of future surveys.

b. Subscribers must express an interest to receive text messages from Licensee/Sub-Licensee. Only opted-in Mobile Subscribers receive alerts from the Licensee/Sub-Licensee. Such text messages shall consist of survey descriptions, survey alerts, or other type of notifications.

c. All text messages sent to you are at standard rate. Other charges may apply. Message fees may apply, based on the type of text messaging program you have with your carrier. We shall not assess additional fees.

d. CARRIERS CURRENTLY SUPPORTED: AT&T, T-Mobile, Verizon, Sprint, Nextel, Boost, Alltel, Virgin, Cellular South, US Cellular, Cellcom, Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central IL (ECIT), Cellular One of Northeast Pennsylvania, Cincinnati Bell Wireless, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), MetroPCS, Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless).

e. HOW TO GET HELP: For more information you can reach us at: [email protected]. From your mobile phone you can get also get help information at any time by sending the text "HELP" to the short code to which you are subscribed. You shall receive a standard rate message from our service with information on the program you have subscribed to, Msg&Data Rates Apply, our website, email address and/or phone number and how to opt-out of our text messaging program.

f. HOW TO OPT-IN: You can send in an Opt-In keyword to 444999, complete an Opt-In webform, sign written authorization, respond to an IVR prompt or give verbal authorization to a representative of Licensee/Sub-Licensee. Depending on the method of opt-in after indicating your interest in opting-in you shall then be sent a text message requesting confirmation that you seek to opt in and providing you with contact and program information. You must reply YES or Y from your mobile device to complete the opt-in. If your carrier does not permit these alerts, you shall not receive text message alerts from the (business description).

g. HOW TO OPT-OUT: To opt-out of our mobile program you can text "STOP" to 24411, 444999 or 36546 from your mobile phone and you shall automatically be unsubscribed from our service. You shall receive a confirmation that you successfully unsubscribed but shall not receive any additional messages until you opt-in again.

3. Survey Participation

OnlineMoneyWorld offers you the opportunity to participate in Research Projects. Your opinions and responses are very important, because they help businesses and organizations develop better strategies, better products, better services, and better advertising. As a Member of OnlineMoneyWorld you may earn awards, cash, gifts, or Points for participating in Research Projects, so long as you fully comply with the terms of this Agreement.

4. Privacy Policy

Your privacy is strictly protected. Your personal information (name, address, telephone number, email address, etc.) is confidential and protected, and your individual answers to surveys are confidential and protected. Your name will never be used for any purpose other than the conduct of Research Projects, and your personal information will never be sold or shared with any third party. We shall not share or use your mobile number for any purpose other than to send you (program description) text messages as described here. We shall only use information you provide to transmit your text message. However, we may always disclose any information as necessary to satisfy any law, regulation or governmental request, to avoid liability, or to protect our rights or property. When you complete forms online or otherwise provide us information in connection with this text-messaging service, you agree to provide accurate, complete and true information. You agree not to use a false or misleading name or a name that you are not authorized to use. If we, in our sole discretion, believe that any such information is untrue, inaccurate or incomplete, we may refuse you access to this service and pursue any appropriate legal remedies. By accepting this Agreement, you are also agreeing to the terms of our Privacy Policy. If we cannot reach you by email or similar electronic method, you agree that we may attempt to contact you by mail or other methods related to the purposes of this Agreement.

5. Accurate Information

You agree to supply true, honest, current, and complete answers (collectively "Accurate" information) when registering at or updating your Member Account at the Site, and when participating in Research Projects offered by OnlineMoneyWorld. You further agree, every 12 months (or sooner if necessary), to review and correct all registration information about you and your household on the Site (including providing a current and accurate email address where we may reach you) to ensure all information in your Member Account is accurate and current, and you further agree to respond to the Site's emails to you. Your violation of the provisions of this Section 5 will be a breach of this Agreement and will mean that you do not earn the Points accumulated in your Member Account, as explained in section 8.J.

6. Confidentiality

When completing Research Projects from OnlineMoneyWorld you may see or hear information that is deemed confidential by OnlineMoneyWorld or its clients. This confidential information may include new products, new product ideas or concepts, packaging concepts, strategy concepts, advertizing concepts, new commercials and ads, or new movie or television concepts or movie trailers, etc. (collectively called "confidential information"). You agree that you will treat these types of information as confidential, that you will not copy, print, store, forward, or otherwise collect the confidential information, that you will not disclose the confidential information to anyone, and that you will not use the confidential information except for the purpose of completing the survey or research p roject. You agree that any confidential information you see or hear remains the property of OnlineMoneyWorld or its clients. Your violation of the provisions of this Section 6 will be a breach of this Agreement and will mean that you do not earn the Points in your Member Account. Such violation may result in the termination of your Member Account (and may also be a breach of civil and criminal laws).

7. Indemnification

You agree to indemnify OnlineMoneyWorld and its employees from any and all claims, losses, or damages resulting from your violation of the terms and conditions of this Agreement (for example, by providing fraudulent registration information in your Member Account, or attempting to access someone else's Member Account, or providing false answers to questions, or use or misuse of the Site, etc.). You agree that the Site has the unlimited right to defend any claims by third parties, and the right to settle any claim without your consent or permission. You agree to provide OnlineMoneyWorld with all reasonable assistance in the defense of applicable claims by third parties.

8. Incentives

OnlineMoneyWorld offers incentives to its Members that are awarded for various activities or actions, as explained below:

A. Incentives for Completing Screening Questionnaires- OnlineMoneyWorld administers two types of questionnaires. The first is a short questionnaire referred to as a screening questionnaire or "screener." The second type is a longer questionnaire, referred to as a "survey" (further described below in paragraph C). Completion of a screener will generally take only a few minutes of your time. Members who complete a screener may receive an entry into a monthly drawing for gift cards, gift codes, or other prizes. You may receive one entry for every screening survey you complete. Some screeners will award Points, and your account may be credited 5 to 50 Points, depending on the time it takes to complete, as well as being subject to the terms and conditions of this Agreement. At the time you take the screening questionnaire or screener, you will be informed of the incentives for that screener.

B. Incentives for Completing Surveys - Members who complete a screener as described above may be invited to complete a survey, a longer questionnaire usually 10 to 15 minutes in length. All Members who complete a survey will receive from 50 Points to 5,000 Points, based on the estimated time needed to complete the survey. At the time you are invited to complete the survey, you will be informed of the associated incentive.

C. Incentives for Other Research Projects - Participation in a survey may also provide you with the opportunity to use a new or improved product in your home at no cost to you. Also, as a Member, you may be invited to participate in in-person group discussions or online discussion forums or may be asked to visit stores or restaurants or complete other assigned tasks. For participating in these Research Projects, you may receive cash, gifts, or Points. Cash or gift awards can range from $10.00 to $50.00 or more. Points awards generally range from 100 Points to 5,000 Points or more, based on the estimated time needed to participate. At the time you are invited to participate in a Research Project, you will be informed of the cash or gift award you will receive or the Points that will be added to your Member Account.

D. Drawings - Any drawings are based on random selection. The odds of winning are dependent upon the number of entries received each calendar month. There is no purchase necessary to enter or win. Entries have no value and an entry does not entitle an entrant to any compensation of any type or kind. Void where prohibited by law.

E. OnlineMoneyWorld Member Accounts - All Points awarded to you are added to your Member Account maintained by OnlineMoneyWorld. You can access your Member Account by going to onlinemoneyworld.com. and clicking on "Login" and logging in with your email address and password. OnlineMoneyWorld will hold the Points in your Member Account until Earned, subject to the terms of this Agreement. For a Member Account to be established in your name, you must complete the online registration form, including your full legal name, home address, valid email address, and any other information requested. You must also accept the terms and conditions of this Agreement at that time by clicking the "I Agree" button. Your use of this Site or any participation in OnlineMoneyWorld Research Projects, also constitutes acceptance of the terms of this Agreement. This Agreement may be modified from time to time, as explained in section 12.

F. Member Account Restrictions - All Members must be at least fourteen (14) years of age, or older as required by the laws of each country. No person may establish or maintain more than one (1) Member Account per household with OnlineMoneyWorld, and each account must have a unique and valid email address and password. By completing the online registration, you represent that you are at least fourteen (14) years of age and that the information provided about you and your household is accurate and truthful in all respects. Any violation of the provisions of this paragraph G means that you will not earn the Points that may accumulate in your Member Account.

G. Email Communications - All contact and communication between you and OnlineMoneyWorld will be conducted via email to the email address you provide at registration, or as provided by you every 12 months (or sooner if necessary) when you update your registration information. It is your responsibility to keep your email address current and accurate in your OnlineMoneyWorld Member Account. Failure to maintain an accurate email address in your Member Account violates the terms and conditions of this Agreement and will mean that you do not earn the Points that may accumulate in your Member Account, as explained in 8.J. You further agree that the Site may from time to time attach script to its emails to help ensure that you are receiving and opening emails from the Site. OnlineMoneyWorld will not share your personal information without your prior consent and your information will only be used for marketing research purposes.

H. Redeeming Incentives - You may redeem Points once you have accumulated at least 1,000 Points in your Member Account and you choose how you want to redeem the Points, i.e., contribute to a charity, trade for other rewards or incentives, participate in promotional offers, or redeem for cash (check or Paypal). Until you reach the 1,000-Point minimum and until you choose what to do with the Points, the Points are Unearned and have no cash or monetary value. The 1,000-Point minimum may be changed by OnlineMoneyWorld from time to time, but not without posting notification on the Site. You may review your Member Account Points at any time by going to onlinemoneyworld.com and clicking on "Login" and logging in with your email address and password. If you choose to redeem Points for cash or money, you will have the choice of payment in U.S. Dollars (USD) or your local currency (converted at the prevailing exchange rate on day of redemption).

I. Methods of Payment - You can redeem Earned Points for cash or money either by check or PayPal, or other legal methods at the Site's discretion. To ensure the highest quality for our clientele, OnlineMoneyWorld panel must validate all cash-out requests before processing incentives. To do this, we verify name and mailing address, along with survey responses on paid surveys. We also verify that each response is answered in a reasonable time period and that responses are not invalidated due to "cheater traps" or other deceitful means, as this breaks our member agreement to ensure honest answers. This process could take up to 30 days. Once validated, OnlineMoneyWorld will process your transaction within 6 to 8 weeks.

OnlineMoneyWorld If you choose to receive payment by check and fail to deposit or cash the check for a period of two (2) years, the check will become null and void, and an equivalent number of Points will be credited to your Member Account. Thereafter, you may redeem any Earned Points in your Member Account at any time. Similarly, if you choose to receive payment by PayPal and the payment is returned to us as "unclaimed," "denied," or "returned," we will notify you by email and mail a check to you.

If that check is not cashed in two (2) years, the check will become null and void, and an equivalent number of Points will be credited to your Member Account, and you may redeem any Earned Points in your Member Account at any time thereafter. At the time you redeem your Earned Points, you will always have the option to donate your Points to any one of the charities listed on the Site. Donations to these charities will be accumulated and transferred to the charities once every 12 months.

From time to time, other redemption options might be offered, such as redeeming Earned Points into frequent flyer miles, hotel points, magazine subscriptions, gift cards at various retailers, and so on.

J. Non-Compliant Member Accounts - If you fail to maintain a current and accurate email address in your Member Account at the Site, your Member status and Member Account become Non-Compliant. Even if you maintain a current and accurate email address at the Site, if you fail to respond to email or other electronic communications on thirty (30) consecutive occasions or for eighteen (18) consecutive months, whichever comes first, OnlineMoneyWorld will place your Member Account on Non-Compliant status. Prior to such a change in status, you will receive an email or other electronic notification from us that your Member Account is in danger of becoming Non-Compliant. If you respond to that email notification by following the link provided in the email, you will remain a Compliant Member of OnlineMoneyWorld . If you do not respond to the email or other electronic notification within thirty (30) days, your Member Account will be placed on Non-Compliant status. Once your Member Account is on Non-Compliant status, you will have 12 months to contact us to reactivate your Member Account. If you fail to contact us during this 12-month time period, you hereby agree that any Points in your Member Account have no value and will not become Earned, and further agree that you never accrued a contractual or other claim to them. Member Accounts that are Non-Compliant will not receive additional invitations to participate in Research Projects, nor will any Points in those Member Accounts become Earned.

K. Not a financial institution - By completing the registration form, by accepting this agreement by clicking "i agree," by utilizing the OnlineMoneyWorld incentive program, and by participating in research projects, you acknowledge and agree that OnlineMoneyWorld is not a bank or any other kind or form of financial institution and that OnlineMoneyWorld does not maintain your member account for any purpose other than those specified herein. you agree that the points added to your member account have no cash or monetary value until earned, in accordance with the terms of this agreement. you further agree that you may only redeem the points in your account in the manner and according to the procedures described in this agreement, which may be amended from time to time.

L. Your Right to Cancel Your Account - You may cancel your Member Account at any time by contacting OnlineMoneyWorld at [email protected], or by logging in to your Member Account and following the "Delete Account" link provided. If you cancel your Member Account, Points in your Member Account will not become Earned Points.

9. Access and Interference

Systematic retrieval of data from this Site to create or compile directly or indirectly, in whole or in part, a collection, compilation, database or directory without the express written permission of OnlineMoneyWorld is strictly prohibited. You agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy our web pages or the content contained herein. You may not engage in the practices of "screen scraping," "database scraping," or any other practice or activity the purpose of which is to obtain lists of users, portions of a database, or other information from this Site, in any manner not authorized by OnlineMoneyWorld. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of OnlineMoneyWorld or its affiliates without prior express written consent. You may not use meta tags or any other "hidden text" utilizing OnlineMoneyWorld's name or trademarks without the express written consent of OnlineMoneyWorld.

You agree that you will not use any device, software or routine to bypass any code which may be included to prevent you from breaching the obligations in the above paragraph or to interfere or attempt to interfere with the proper working of the Site. You agree that you will not take any action that imposes an unreasonable or disproportionately large load on our or our host's computers or other infrastructure.

10. Use of Contents

The content of the Site is the property of OnlineMoneyWorld and/or its clients. Unless directed or permitted by the Site, content cannot be copied, downloaded, or printed, and must retain all the copyright, trademark, and other proprietary notices. For use of any portion of the contents, you must secure the written consent of OnlineMoneyWorld.

11. Use of Site

Your use of the Site is controlled by OnlineMoneyWorld , which may deny you further use of the Site at any time, for any reason, with or without cause, regardless of your status as a Member. Your use of the Site does not entitle you to continued use of the Site. Your use of the Site must always comply with applicable law.

In particular, but without limitation, you agree and represent not to use the Site to:

(a) impersonate any person or entity or falsely state or otherwise misrepresent your affiliation with any person or entity;

(b) upload, post, email or otherwise transmit any content that is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, invasive of another's privacy, hateful, or racially, ethnically or otherwise objectionable;

(c) upload, post, email or otherwise transmit any material for the purpose of conducting any deceptive trade practice, fraud, unfair competition, or anti-competitive activity;

(d) upload, post, email or otherwise transmit any content that infringes any patent, trademark, trade secret, copyright or other proprietary rights of any party;

(e) upload, post, email or otherwise transmit any content that you do not have the right to publicize under law (such as insider trading information);

(f) upload, post, email or otherwise transmit any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software, network, hardware or telecommunications equipment;

(g) upload, post, email or otherwise transmit or post chain letters or pyramid schemes; harvest or otherwise collect information about others (including email addresses) without their consent; or upload, post, email or otherwise transmit the same information more than once or "spam" or any other form of solicitation;

(h) use automated scripts to collect information from or otherwise interact with the Site;

(i) violate any applicable local, state, national or international law, including, but not limited to, regulations promulgated by the U.S. Securities and Exchange Commission, any rules of any national or other securities exchange, including, without limitation, the New York Stock Exchange, the American Stock Exchange or the NASDAQ, and any regulations having the force of law;

(j) provide material support or resources (or to conceal or disguise the nature, location, source, or ownership of material support or resources) to any organization(s) designated by the United States government as a foreign terrorist organization pursuant to section 219 of the Immigration and Nationality Act.

Violating these "Use of Site" terms of this Agreement may lead to you being immediately and permanently banned, with notification to your Internet Service Provider if deemed required by us. The IP addresses of all users of the Site may be recorded to aid in enforcing this Agreement."

12. Modification

We reserve the exclusive right to update, revise, supplement, modify, or amend this agreement, any part of the incentive program, and the minimum thresholds for redemption of points at any time.

This includes, without limitation, the right to change the rules of participation, terminate your participation, and discontinue the Incentive Program. OnlineMoneyWorld will indicate at the bottom of this Agreement the date of the last update. Any updates, revisions, supplements, modifications or amendments shall be effective immediately upon its posting on the Site and will only be applicable to disputes arising, or arising out of events occurring, after such posting has been made. OnlineMoneyWorld will provide you notice of any updates, revisions, supplements, modifications, or amendments to this Agreement by placing a "Notice of Modification" link on the homepage for a 30-day period following the initial posting on the Site. You agree that you will continue to be bound by this Agreement, however and whenever it is updated, revised, supplemented, modified, or amended, if you continue to use the Site after the updates, revisions, supplements, modifications, or amendments have been posted.

13. Disclaimer of Warranties

OnlineMoneyWorld does not warrant that the Incentive Program will remain operational, and it disclaims any liability for any losses you may experience because the Incentive Program is not operational or accessible by you.

If OnlineMoneyWorld discontinues the incentive program or if it terminates your participation for violation of this agreement, you understand and agree that your right to access the incentive program will cease and all points in your account, however and whenever accumulated, will not become earned and you will have never accrued a contractual or other claim to them. if we terminate your participation for any reason other than your misconduct or violation of these terms and conditions, you will have thirty (30) days to redeem the earned points in your member account, provided that they may be redeemed pursuant to the terms and conditions in effect at the time of the termination.

We are not liable for any delays in the receipt of any SMS messages connected with this program. Delivery of SMS messages is subject to effective transmission from your wireless service provider or network operator.

OnlineMoneyWorld provides the Incentive Program "as is" and makes no representations or warranties to you, express or implied, regarding its accessibility or that your access to the Incentive Program will be uninterrupted or error-free.

You expressly understand and agree that your use of the site is at your sole risk. the site is provided on an "as is" and "as available" basis.

14. Limitations and Exclusions of Liability

you expressly understand and agree that OnlineMoneyWorld shall not be liable for any direct, indirect, incidental, special, consequential or exemplary damages. you understand and accept that your sole and exclusive remedy is to discontinue your use of the site. notwithstanding the foregoing, OnlineMoneyWorld's liability to you shall not exceed $1,000. you further agree not to join in any lawsuit with another person or serve as a class representative of any class action lawsuit against OnlineMoneyWorld arising out of the use of the site or its incentive program.

15. Release

Should you have a dispute with another Member through the Site (e.g., during a group discussion), you agree that you release OnlineMoneyWorld, its officers, directors, members, agents, and employees from all claims, demands, and damages (actual and consequential) of any kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of, or in any way connected with, such a dispute.

16. Intellectual Property Rights

The Site is protected by copyright, trademark, trade dress and other intellectual property rights.

A. OnlineMoneyWorld's logos, and other trademarks, service marks, labels, product names and service names (collectively, the Marks) are owned or licensed by OnlineMoneyWorld, Inc. You agree not to copy, display or otherwise use any of the Marks without the prior written permission of OnlineMoneyWorld. Notwithstanding the foregoing, the Marks may not be used in any manner likely to cause confusion, to disparage or dilute these Marks, and/or to use in connection with any product or service that is not authorized or sponsored by OnlineMoneyWorld.

B. All answers and responses to screeners, surveys, group discussion questions or probes, ideation sessions, innovation sessions, or other Research Projects become the exclusive property of OnlineMoneyWorld and/or its clients, except that the personal identity and anonymity of each Member shall be protected at all times by OnlineMoneyWorld. That is, at no time will any client of OnlineMoneyWorld know how any Member answered any question. Members' answers will be combined with the answers of other Members and presented to clients as statistical averages or summaries. Member privacy and anonymity are protected at all times by OnlineMoneyWorld.

C. The entire OnlineMoneyWorld Site, and all object code and source code, text, graphics, multimedia content, including but not limited to images, illustrations, audio and video clips, html and other mark up languages, screeners, surveys, group discussion questions, videos, new product concepts, ads, and all scripts within the Site associated therewith, are copyright 2023, OnlineMoneyWorld. All rights reserved. This copyrighted and proprietary property of OnlineMoneyWorld. may not be duplicated or used without OnlineMoneyWorld's express prior written consent.

D. If you provide OnlineMoneyWorld any solicited or unsolicited suggestions, answers, responses, ideas, new product ideas, Site improvement ideas, incentive ideas, or other suggestions or proposals (the "Submission"), OnlineMoneyWorld will consider the Submission to be non-confidential and nonproprietary. OnlineMoneyWorld shall have no obligations concerning the Submission, contractual or otherwise (including, but not limited to, an obligation to keep the Submission confidential), and shall not be liable for any use or disclosure of any Submission. OnlineMoneyWorld shall be entitled to unrestricted use of the Submission for any purpose whatsoever, commercial or otherwise, without compensation to you.

17. Online Content

Under no circumstances will OnlineMoneyWorld be responsible for any loss or damage resulting from a Member's reliance on information or other content posted on the Site by another Member during a group discussion, innovation project, or other Research Project. OnlineMoneyWorld will be responsible for the accuracy of any content it posts on the Site.

18. Independent Contractor

In registering at the Site, and participating in Research Projects, Members are acting as independent contractors. Members are not employees of the Site, OnlineMoneyWorld.

19. Digital Millennium Copyright Act

You agree not to upload or transmit any communications or content of any type that infringes or violates any rights of any party. It is our policy not to permit materials known by us to be infringing to remain on the Site. OnlineMoneyWorld has made every effort to secure appropriate clearances for all proprietary intellectual properties used on this Site. If you believe any material on this Site is infringing, please contact us immediately. Pursuant to the Digital Millennium Copyright Act (DMCA), we have registered an agent to receive copyright claims (Designated Agent).You may notify us of alleged intellectual property rights infringement by contacting us at:

Email: [email protected]

Please be aware that, in order to be effective, your notice of claim must comply with the detailed requirements set forth in the DMCA. You are encouraged to review them (see 17 U.S.C. § 512(c)(3)) before sending your claim.

20. Communications Decency Act

Please note that OnlineMoneyWorld is a provider of an interactive computer service under the Communications Decency Act or "CDA" (see 47 U.S.C. § 230). Because this important law is not well known, we want to take a moment to explain the law.

The CDA provides that when a user writes and posts material on a website such as the Site, the website itself cannot, in most cases, be held legally responsible for the posted material. Specifically, 47 U.S.C. § 230(c)(1) states, "No provider or user of an interactive computer service shall be treated as the publisher or speaker of any information provided by another information content provider. " Because the comments and opinions on the Site are authored by users of the Site, we cannot be legally regarded as the "publisher or speaker" of the content contained here, and hence we are not liable for the content even if it contains false or inaccurate information.

21. Dispute Resolution

Any dispute arising between you and OnlineMoneyWorld (whether grounded in contract, tort, statute, law or equity) or relating in any way to this Agreement, or the breach thereof, shall be finally determined by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted in New York, before a single arbitrator appointed in accordance with the applicable rules of the AAA. Judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. Discovery during the arbitration shall be conducted pursuant to the Federal Rules of Civil Procedure and shall be limited to the exchange of relevant documents and depositions of the Parties. No Party is precluded from seeking and obtaining injunctive or other emergency relief, and the election to do so by a Party shall not be construed as a waiver of arbitration.

Any dispute must be raised within one (1) year after the date the cause of action arose. Failure to provide the written documentation within this timeframe will render all claims related to the dispute null and void.

22. Governing Law and Venue

OnlineMoneyWorld's main offices are located in Australia and this site is controlled by Gallant Future PTY LTD. The OnlineMoneyWorld website can be accessed from other countries/regions of the world. As the laws and regulations of each jurisdiction may differ from those of Australia, you and OnlineMoneyWorld access to this Website agree that Australian regulations and laws (without regard to their conflict-of-law principles) will apply to all matters relating to the use of this Website (whether based in tort, contract, law or equity).

This contract is fully performable in Australia. The Parties hereto waive any challenge to personal jurisdiction or venue (including without limitation a challenge based on inconvenience) in Australia.

You further agree to comply with all such laws and with the laws of the Australia that apply to the Prize/Incentive Program, and any laws of your country and state or province of residence. The Prize/Incentive Program and these Terms and Conditions, or relevant portions thereof, are void where prohibited by law.

Effective As Of February 1, 2022.