AGREEMENT BETWEEN USER AND PMB Inc.        
The network of Web Sites (collectively, the “PMB Inc. Web Sites”) operated by The PMB Inc. Company or its affiliates or subsidiaries (“PMB Inc.” or “PMB Inc.”), is comprised of various Web sites and Web pages. The PMB Inc. Web Sites are offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the PMB Inc. Web Sites constitutes your agreement to all such terms, conditions, and notices. Your use of a particular PMB Inc. website included within the PMB Inc. Web Sites network may also be subject to additional terms outlined elsewhere on that website (the “Additional Terms”). Additionally, the PMB Inc. Web Sites may themselves contain additional terms that govern particular features or offers (for example, termination fees or chat areas). In the event that any of the terms, conditions, and notices contained herein conflict with the Additional Terms or other terms and guidelines contained within any particular PMB Inc. website, then these terms shall control. 

PLEASE READ THE FOLLOWING TERMS OF USE AND DISCLAIMERS CAREFULLY BEFORE USING THIS WEB SITE (this “Site”). By accessing or using this Site, you agree to these terms of use, conditions and all applicable laws. If you do not agree to these terms you may not use this Site.              

MODIFICATION OF THESE TERMS OF USE.      
PMB Inc. reserves the right to change the terms, conditions, and notices under which the PMB Inc. Web Sites are offered, including but not limited to the charges associated with the use of the PMB Inc. Web Sites. You are responsible for regularly reviewing these terms and conditions.           

USE OF SITE. PERSONAL AND NON-COMMERCIAL USE LIMITATION.     
Unless otherwise specified, the PMB Inc. Web Sites are for your personal and noncommercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the PMB Inc. Web Sites. You may display and, subject to any expressly stated restrictions or limitations relating to specific material, electronically copy, download and print hard copy portions of the material from the different areas of the Site solely for your own noncommercial use, or to place an order with PMB Inc. or to purchase PMB Inc. products. Any other use of materials on this Site, including but not limited to the modification, reproduction, distribution, republication, display or transmission of the content of this Site, without prior written permission of PMB Inc. is strictly prohibited. Harassment in any manner or form on the Site or any of the PMB Inc. Websites, including via e-mail and chat or by obscene or abusive language is strictly forbidden. Impersonation of others, including a PMB Inc. employee, host, or representative or other members or visitors on the Site is prohibited. You may not upload to, distribute, or otherwise publish through the Site any content which is libelous, defamatory, obscene, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable, or which may constitute or encourage a criminal offense, violate the rights of any party or otherwise give rise to liability or violate any law. You may not upload commercial content on the Site or use the Site to solicit others to join or become members of any other commercial online service or other organization without prior written permission of PMB Inc.

COPYRIGHTS AND TRADEMARKS.    
The entire content included in this Site, including but not limited to text, design, graphics, interfaces, or code and the selection and arrangements thereof is copyrighted as a collective work under the United States and other copyright laws, and is the property of PMB Inc.. The collective work includes works that are licensed to PMB Inc.. Copyright 2004, 2010. ALL RIGHTS RESERVED. All trademarks, service marks, and trade names (collectively the “Marks”) are trademarks or registered trademarks of and are proprietary to PMB Inc., or other respective owners that have granted PMB Inc. the right and license to use such Marks.             

NOTICES AND PROCEDURES FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT.      
Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to the website’s designated agent. ALL INQUIRIES NOT RELEVANT TO OR NOT COMPLYING WITH THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE.  PMB Inc. respects the intellectual property of others, and we ask our users and visitors to do the same. PMB Inc. will process and investigate notices of alleged infringement and will take appropriate actions under the Digital Millennium Copyright Act (“DMCA”) and other applicable intellectual property laws. Upon receipt of notices complying with the DMCA, PMB Inc. will act to remove or disable access to any material found to be infringing or found to be the subject of infringing activity and will act to remove or disable access to any reference or link to material or activity that is found to be infringing.   If you believe that your work has been copied in a way that constitutes copyright infringement, please provide PMB Inc. the following information. Please be advised that to be effective, the Notification must include ALL of the following:

1.a physical or electronic signature of the person authorized to act on behalf of the owner of an exclusive copyright that is allegedly infringed; 

2.a description of the copyrighted work that you claim has been infringed;

3.a description of where the material that you claim is infringing is located on the Site;

4.your address, telephone number, and email address and all other information reasonably sufficient to permit PMB Inc. to contact you;

5.a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;

6.a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Notices of claimed copyright infringement should be directed to:  
By mail:  Law Offices of James J Keenan Jr535 Main Street Suite 318, Martinez, CA 94553

IMPORTANT NOTE: THE PRECEDING INFORMATION IS PROVIDED EXCLUSIVELY FOR NOTIFYING PMB Inc. THAT YOUR COPYRIGHTED MATERIAL MAY HAVE BEEN INFRINGED. ALL OTHER INQUIRIES, SUCH AS PRODUCT OR SERVICE RELATED QUESTIONS AND REQUESTS, OR QUESTIONS ON PRIVACY, WILL NOT RECEIVE A RESPONSE THROUGH THIS PROCESS.

TYPOGRAPHICAL ERRORS.      
In the event a PMB Inc. product or service is listed at an incorrect price due to typographical error or error in pricing information received from our suppliers, PMB Inc. shall have the right to refuse or cancel any orders placed for product or service listed at the incorrect price. PMB Inc. shall have the right to refuse or cancel any such orders whether or not the order has been confirmed and your credit card charged. If your credit card has already been charged for the purchase and your order is canceled, PMB Inc. shall issue a credit to your credit card account in the amount of the incorrect price.              

TERM; TERMINATION.      
These terms and conditions are applicable to you upon your accessing the Site and/or completing the registration or shopping process. These terms and conditions, or any of them, may be modified or terminated by PMB Inc. without notice at any time for any reason. The provisions relating to Copyrights and Trademarks, Disclaimer, Claims, Limitation of Liability, Indemnification, Applicable Laws, Arbitration and General, shall survive any termination.              

USER PARTICIPATION.      
PMB Inc. does not and cannot review all communications and materials posted to or created by users accessing the Site and is not in any manner responsible for the content of these communications and materials. You acknowledge that by providing you with the ability to view and distribute user generated content on the Site, PMB Inc. is merely acting as a passive conduit for such distribution and is not undertaking any obligation or liability relating to any contents or activities on the Site. However, PMB Inc. reserves the right to block or remove communications or materials that it determines to be (a) abusive, defamatory, or obscene, (b) fraudulent, deceptive, or misleading, (c) in violation of a copyright, trademark or; other intellectual property right of another or (d) violates any law or regulation or (e) offensive or otherwise unacceptable to PMB Inc. at its sole discretion. Note that any personally identifiable information you may post or transmit will be treated by PMB Inc. in accordance with PMB Inc.’s Privacy Statement.              

USER SUBMISSIONS.      
Except for any personally identifiable information we may collect from you under the guidelines established in our Privacy Statement, any material, information or other communication you transmit, upload or post to this Site (“Communications”) will be considered non-confidential and non-proprietary. PMB Inc. will have no obligations with respect to the Communications. PMB Inc. and its designers will be free to copy, disclose, distribute, incorporate and otherwise use the Communications and all data, images, sounds, text, and other things embodied therein for any and all commercial or noncommercial purposes.              

USER CHAT ROOMS.      
MB Inc. may, but is not obligated to, monitor or review any areas on the Site where users transmit or post Communications or communicate solely with each other, including but not limited to chat rooms, bulletin boards or other user forums, and the content of any such Communications. PMB Inc., however, will have no liability related to the content of any such Communications, whether or not arising under the laws of copyright, trademarks, libel, privacy, obscenity, or otherwise. Back to Top              

THIRD-PARTY LINKS.      
In an attempt to provide increased value to our visitors, this Site may contain links to other sites on the Internet that are owned and operated by third party vendors and other third parties (the “External Sites”). However, even if the third party is affiliated with PMB Inc., PMB Inc. has no control over these linked sites, all of which have separate privacy and data collection practices, independent of PMB Inc.. PMB Inc. has no responsibility or liability for these independent policies or actions and is not responsible for the privacy practices or the content of such web sites. These linked sites are only for your convenience and therefore you access them at your own risk. Links do not imply that PMB Inc. sponsors, endorses, is affiliated with or associated with, or has been legally authorized to use any trademark, trade name, service mark, design, logo, symbol or other copyrighted materials displayed on or accessible through such External Sites. Nonetheless, PMB Inc. seeks to protect the integrity of its Site and the links placed upon it and therefore requests any feedback on not only its own Site, but for sites it links to as well (including if a specific link does not work). You should contact the Site administrator or Webmaster for those External Sites if you have any concerns regarding such links or the content located on such External Sites.              

CLAIMS.      
Each claim or statement about the effectiveness of PMB Inc. products/services and/or each claim or statement comparing the effectiveness of PMB Inc. products to the effectiveness of other products is expressly limited to the United States with venue being Contra Costa County, California, unless otherwise disclosed on the Site.

You may not use your site to publish material, which PMB Inc.determines, at its sole discretion, to be unlawful, indecent or objectionable. For purposes of this policy, “material” refers to all forms of communications including narrative descriptions, graphics (including photographs, illustrations, images, drawings, logos), executable programs, video recordings, and audio recordings.

You must take reasonable steps to protect the security of our servers. This includes, but is not limited to:

keeping all passwords to PMB Inc.systems secure. You must not reveal your passwords to third parties. ensuring that any scripts that are installed on your site cannot be exploited to compromise the security or the server. The following constitute violations of PMB Inc.terms and conditions:  If the damage is directly caused by one of our employees. PMB Inc.cannot be held responsible for any loss of data or service interruption, but will do its best to help the customer. You, as a PMB Inc.customer, are solely responsible for the content stored on and served by your web site.

Backups: We may provide a backup service for your site, however, we do not accept responsibility for any failure of our backup mechanism. We will restore your site from backup without charge once each calendar month. If further restorations are necessary, we may charge a US$10 fee for doing so. We may at our sole discretion waive this fee. You are responsible for maintaining adequate backups of your content.

Technical Support: PMB Inc. provides technical support to our customers via a support ticket system. PMB Inc.provides support related to your web site physical functioning. PMB Inc.does not offer technical support for application specific issues such as PHP or cgi programming, html, script installation or any other such issue. There are links in the members area to other web sites that can help with such issues. You may purchase additional technical support for issues which are not covered by our normal support. Our standard technical support rate is US$60 per half hour, paid in advance. For a cost estimate for additional support please create a support ticket in the members area describing the support you require. If you purchase additional technical support and our estimate is too low we will stop work and advise you as soon as possible and provide you with a new estimate. If our estimate is too high, we will refund any extra amount paid by you.

Modification: We may modify any of these terms and conditions contained, at any time and in our sole discretion, by posting a change notice or a new agreement on our site. Your continued participation now, or within thirty (30) days following the posting notice of any changes in these terms and conditions, will constitute a binding acceptance by you of such rules, changes or modifications. If any modification is unacceptable to you, your only recourse is to terminate your account(s). In this case, a pro-rata repayment of web hosting costs will be made.

If you dispute a payment or your payment is declined through your credit card company, through PayPal or another financial institution we may immediately suspend or terminate all services you have purchased from us. We may levy a charge of $25 per dispute instance, payable before we restore your services. If we are charged a charge back settlement fee, or other fee related to the payment dispute, we may pass this fee onto you.

Termination and Suspension: You may terminate your advertising account at any time by advising us via an email that you wish to do so.  Your account will be charged for the remainder of the billing period.

We may suspend any or all of your services where we have reason to suspect a violation of our terms and conditions whilst we investigate the suspected violation. We may suspend your services where we have reason to suspect that a script installed on your site is being abused whilst we investigate the suspected abuse.

Clean Up: If we suspect that activities performed by you or a third party on your account, whether deliberate or not, may compromise the security of our server or any other server or computer, we may require a clean up to be performed.

A simple clean up will be provided free of charge, resulting in total loss of existing data on your account. You should then restore your adds from your backups. Depending on the severity, we may agree to perform a complex clean up (targeting only compromised files), for which we will charge support at our standard support rate.

Violations: If you violate our terms and conditions we may terminate or suspend (temporarily or indefinitely) any services you have with us. In this case no refund will be given for any payments that have been, or are made by you to us.

Following a violations of or terms and conditions, we may levy an investigation charge of $30 per instance.

Cancellation and refund: PMB Inc.will accept a request to cancel a web hosting account and give a full refund to a new customer who requests such refund and cancellation within 30 days of ordering. Web Development work is not refundable.

DISCLAIMER.      
PMB Inc. makes no warranties or representations about the accuracy or completeness of this Site’s content or the content of any site or External Sites.  PMB Inc. does not filter advertisements or other content that children may view through our sites or “hot-linked” sites, and they could receive content and materials from the Internet and/or advertising that are inappropriate for children. We encourage parents and guardians to spend time online with their children and to consider using an electronic filtering software.

THIS SITE AND THE MATERIALS, INFORMATION, SERVICES, AND PRODUCTS IN THIS SITE, INCLUDING, WITHOUT LIMITATION, TEXT, GRAPHICS, AND LINKS, ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, PMB Inc. DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, FREEDOM FROM COMPUTER VIRUS, AND WARRANTIES ARISING FROM COURSE OF DEALING OR COURSE OF PERFORMANCE. PMB Inc. DOES NOT REPRESENT OR WARRANT THAT THE FUNCTIONS CONTAINED IN THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES THE SITE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. PMB Inc. DOES NOT MAKE ANY WARRANTIES OR REPRESENTATIONS REGARDING THE USE OF THE MATERIALS IN THIS SITE IN TERMS OF THEIR COMPLETENESS, CORRECTNESS, ACCURACY, ADEQUACY, USEFULNESS, TIMELINESS, RELIABILITY OR OTHERWISE. THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.              

LIMITATION OF LIABILITY.      
IN NO EVENT SHALL PMB Inc. BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, EXEMPLARY OR CONSEQUENTIAL, DAMAGES, OR ANY DAMAGES WHATSOEVER, EVEN IF PMB Inc. HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER IN AN ACTION UNDER CONTRACT, NEGLIGENCE, OR ANY OTHER THEORY, ARISING OUT OF OR IN CONNECTION WITH THE USE, INABILITY TO USE, OR PERFORMANCE OF THE INFORMATION, SERVICES, PRODUCTS, AND MATERIALS AVAILABLE FROM THIS SITE. THESE LIMITATIONS SHALL APPLY NOTWITHSTANDING ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY. BECAUSE SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, OR THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.              

INDEMNIFICATION.       
You agree to indemnify, defend, and hold harmless PMB Inc., its officers, directors, employees, agents, licensors and suppliers (collectively the “Provider”) from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation of these terms and conditions or any activity related to your Internet account (including negligent or wrongful conduct), by you or any other person accessing the Site using your Internet account.

APPLICABLE LAWS.      
Your use of this Site shall be governed in all respects by the laws of the state of California, U.S.A., without regard to choice of law provisions, and not by the 1980 U.N. Convention on contracts for the international sale of goods. You agree that jurisdiction over and venue in any legal proceeding directly or indirectly arising out of or relating to this Site (including but not limited to the purchase of PMB Inc. products) shall be in the state or federal courts located in Contra Costa County, California. Any cause of action or claim you may have with respect to the Site (including but not limited to the purchase of PMB Inc. products) must be commenced within one (1) year after the claim or cause of action arises. PMB Inc.’s failure to insist upon or enforce strict performance of any provision of these terms and conditions shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any of these terms and conditions. PMB Inc. may assign its rights and duties under this Agreement to any party at any time without notice to you.  PMB Inc. makes no representation that materials in the Site are appropriate or available for use in other locations, and access to them from territories where their content is illegal is prohibited. Those who choose to access this Site from locations outside California do so on their own initiative and are responsible for compliance with applicable local laws. You may not use or export the materials in violation of U.S. export laws and regulations. Any claim relating to the materials shall be governed by the internal substantive laws of the State of California.               

ARBITRATION.      
By using this Site, you agree that PMB Inc., at its sole discretion, may require you to submit any disputes arising from the use of this Site, or these Terms and Conditions concerning or, including disputes arising from or concerning their interpretation, violation, nullity, invalidity, non-performance or termination, as well as disputes about filling gaps in this contract or its adaptation to newly arisen circumstances, to final and binding arbitration under the International Rules of Arbitration of the American Arbitration Association, by one or more arbitrators appointed in accordance with the said Rules. Notwithstanding these rules, however, such proceeding shall be governed by the laws of the state as set forth in the previous section. Any award in an arbitration initiated under this clause shall be limited to monetary damages and shall include no injunction or direction to any party other than the direction to pay

a monetary amount. Further, the arbitrator(s) shall have no authority to award punitive, consequential or other damages not measured by the prevailing party’s actual damages in any arbitration initiated under this section, except as may be required by statute.              

GENERAL.      
PMB Inc. may revise these Terms at any time by updating this posting. You should visit this page from time to time to review the then-current Terms because they are binding on you. Certain provisions of these Terms may be superseded by expressly designated legal notices or terms located on particular pages at this Site. 

OUR ADDRESSES.     
United States PMB Inc. Law Offices of James J Keenan Jr, 535 Main Street Suite 318, Martinez, CA 94553

OTHER TERMS AND CONDITIONS:

Submissions / Applications
All information submitted to us via this site shall be deemed and remain the property of us, which shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides through this site. We shall not be subject to any obligations of confidentiality regarding submitted information except as otherwise specifically agreed to in writing or required by law.

By accessing any part of this site, you agree to be bound by these terms and conditions. If you do not agree to these terms and conditions, do not access any part of this site.

No Representations Or Warranty.

We reserve the right to modify the information presented on this web site at any time without notice. While we make all reasonable efforts to ensure that all material on this site are correct, accuracy cannot be guaranteed and we do not assume any responsibility for the accuracy, completeness, or authenticity of any information contained on this site. This site and all information and materials contained herein, is provided to you “As Is” or “As Available” without warranty of any kind.

We are not responsible for errors or negligent use of the services offered by this site, including input errors and negligent handling or sharing of identification numbers or information.

All of the content presented on this site is for informational purposes only and in no way creates any fiduciary relationship between you and us. You should seek appropriate tax, financial, or legal advice when necessary.

This site may contain links to other sites. Please be aware that we are not responsible for the privacy practices of such other sites. Your linking to other sites is at your own risk.

Although we believe the relationships created by this site should be beneficial to all parties we are not liable for any transaction or consequence derived form relationships created by this site.

Here’s the bottom line.  PMB Inc or any of its websites, directors, or affiliates are not responsible for, NOR WILL THEY WARRANT any outcome that may be arrived at by these parties. Lenders must exercise caution and do their own due diligence before lending and borrowers must exercise caution and do their own due diligence before giving out any information to anyone. MAKE YOUR OWN DECISIONS BEFORE DOING BUSINESS WITH ANYONE.

Last updated: April 6, 2010