As Forums are public, the Authorized User experience is enhanced if you follow the foregoing and following guidelines. Please use netiquette. Please do not post any content or information of a personal nature, such as video or audio of friends and family. Please be succinct and stay on topic within a particular Forum. Please remember to respect others and their opinions. PayStandards encourages open and sincere communication, but urges all Authorized Users to remember that Forums are intended to be a resource for all.

9. PERMISSION TO USE POSTINGS. You represent that you have all necessary rights to make the Posting available to PayStandards and a Forum, and you also acknowledge that such Postings are non-confidential for all purposes and that PayStandards has no control over the extent to which any idea or information may be used by any party or person once it is posted or displayed. Accordingly, notwithstanding this right and license, it is understood that by merely permitting your information, content, and materials to appear on the WebSite, PayStandards has not become and is not a publisher of such information, content, and materials and is merely functioning as an intermediary to enable you to provide and display a Posting. Moreover, PayStandards assumes no responsibility for the deletion of or failure to store any Posting and recommends that you do not post, display, or transmit any confidential or sensitive information.

10. NO PRE-SCREENING OF POSTINGS. PayStandards is not responsible for screening, policing, editing, or monitoring your or another Authorized User’s Postings and encourages all of its Authorized Users to use reasonable discretion and caution in evaluating or reviewing any Posting. Moreover, and except as provided below with respect to PayStandards' right and ability to delete or remove a Posting (or any part thereof), PayStandards does not endorse, oppose, or edit any opinion or information provided by you or another Authorized User and does not make any representation with respect to, nor does it endorse the accuracy, completeness, timeliness, or reliability of any advice, opinion, statement, or other material displayed, uploaded, or distributed by you or any other Authorized User. Nevertheless, PayStandards reserves the right to delete or take other action with respect to Postings (or parts thereof) that PayStandards believes in good faith violate this TOS and/or are, or are potentially, unlawful or harmful to PayStandards or its products, services, and goodwill or harmful to others in its sole discretion. If you violate this TOS, PayStandards may, in its sole discretion, delete the unacceptable content from your Posting, remove or delete the Posting in its entirety, issue you a warning, and/or terminate your use of the WebSite. Moreover, it is a policy of PayStandards to take appropriate actions under the Digital Millennium Copyright Act under U.S. Copyright Law and other applicable intellectual property laws. If you become aware of Postings that violate these rules regarding acceptable behavior or content, you may contact PayStandards as provided below.

11. PROPRIETARY RIGHTS. This TOS provides only a limited license to access and use the WebSite. Accordingly, you expressly acknowledge and agree that PayStandards transfers no ownership or intellectual property interest or title in and to the WebSite to you or anyone else. All text, graphics, user interfaces, visual interfaces, photographs, sounds, artwork, computer code (including html code), programs, software, products, information, and documentation as well as the design, structure, selection, coordination, expression, "look and feel," and arrangement of any content contained on or available through the WebSite, unless otherwise indicated, are owned, controlled, and licensed by PayStandards and its successors and assigns and are protected by law including, but not limited to, United States copyright, trade secret, patent, and trademark law, as well as other state, national, and international laws and regulations. Except as expressly provided herein, PayStandards does not grant any express or implied right to you or any other person under any intellectual or proprietary rights. Accordingly, your unauthorized use of the WebSite may violate intellectual property or other proprietary rights laws as well as other laws, regulations, and statutes. Please be aware that PayStandards does enforce its intellectual property rights to the fullest extent of the law and, in particular and without limitation, with respect to illegal use of terms confusingly similar to any of PayStandards' trademarks. This WebSite is Copyright © 2024 PayStandards Inc. All rights reserved. PayStandards also owns a copyright in the contents of the WebSite as collective work and/or compilation and in the selection, coordination, arrangement, and enhancement of the content of the WebSite. Any downloadable or printable programs, directories, databases, information, or materials available through the WebSite and all copyrights, trade secrets, and know-how related thereto, unless otherwise indicated, are owned by PayStandards. PayStandards, PayStandards logos, and all other names, logos, and icons identifying PayStandards and its programs, products, and services are proprietary trademarks of PayStandards, and any use of such marks, including, without limitation, as domain names, without the express written permission of PayStandards is strictly prohibited. Other service and entity names mentioned herein may be the trademarks and/or service marks of their respective owners.

12. FEEDBACK AND SUBMISSIONS. PayStandards welcomes your feedback and suggestions about PayStandards' products or services or the WebSite. By transmitting any suggestions, information, material, or other content (collectively, "feedback") to PayStandards, you represent and warrant that such feedback does not infringe or violate the intellectual property or proprietary rights of any third party (including, without limitation, patents, copyrights, or trademark rights) and that you have all rights necessary to convey to PayStandards and enable PayStandards to use such feedback. In addition, any feedback received through the WebSite will be deemed to include a royalty-free, perpetual, irrevocable, transferable, non-exclusive right and license for PayStandards to adopt, publish, reproduce, disseminate, transmit, distribute, copy, use, create derivative works, and display (in whole or in part) worldwide, or act on such feedback without additional approval or consideration, in any form, media, or technology now known or later developed for the full term of any rights that may exist in such content, and you hereby waive any claim to the contrary.

13. LINKS TO OTHER SITES. PayStandards may provide links, in its sole discretion, to other sites on the World Wide Web for your convenience in locating or accessing related information, products, and services. These sites have not necessarily been reviewed by PayStandards and are maintained by third parties over which PayStandards exercises no control. Accordingly, PayStandards expressly disclaims any responsibility for the content, the materials, the accuracy of the information, and/or the quality of the products or services provided by, available through, or advertised on these third-party Web sites. Moreover, these links do not imply an endorsement with respect to any third party or any Web site or the products or services provided by any third party.


14. THIRD-PARTY PRODUCTS/SERVICES. PayStandards, in its sole discretion, may post the advertisements of third parties on the WebSite and/or feature materials, programs, products, and services provided by third parties, including, without limitation, PayStandards' members or affiliates. PayStandards makes no representations with respect to, nor does it guarantee or endorse, the quality, non-infringement, accuracy, completeness, timeliness, reliability, or correct sequencing of such third-party materials, programs, products, and services or any other materials, programs, products, and services which such third-party materials, products, and services may access. Your correspondence or any other dealings with third parties found on the WebSite are solely between you and such third party. Accordingly, PayStandards expressly disclaims responsibility and liability for all third-party provided materials, programs, products, and services contained on or accessed through the WebSite, and you agree that PayStandards shall not be responsible for any loss or damage of any sort incurred as a result of any such dealings or as the result of the presence of such third parties on the WebSite.

15. DISCLAIMER. WHILE PAYSTANDARDS ENDEAVORS TO PROVIDE RELIABLE INFORMATION, SERVICES, PROGRAMS, SOFTWARE, AND MATERIALS, THE INFORMATION, SERVICES, PROGRAMS, SOFTWARE, AND MATERIALS AVAILABLE ON OR THROUGH THE PAYSTANDARDS WEBSITE ARE PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS AND MAY INCLUDE ERRORS, OMISSIONS, OR OTHER INACCURACIES. PAYSTANDARDS IS ALSO NOT RESPONSIBLE FOR ANY POSTINGS PROVIDED BY YOU THAT ARE AVAILABLE THROUGH OR FROM THE PAYSTANDARDS WEBSITE. MOREOVER, PAYSTANDARDS MAY MAKE MODIFICATIONS AND/OR CHANGES IN THE PAYSTANDARDS WEBSITE OR IN THE INFORMATION, SERVICES, PROGRAMS, SOFTWARE, AND MATERIALS AVAILABLE ON THE PAYSTANDARDS WEBSITE AT ANY TIME AND FOR ANY REASON. YOU ASSUME THE SOLE RISK OF MAKING USE AND/OR RELYING ON THE INFORMATION, SERVICES, PROGRAMS, AND MATERIALS AVAILABLE ON THE PAYSTANDARDS WEBSITE. PAYSTANDARDS MAKES NO REPRESENTATIONS OR WARRANTIES ABOUT THE RESULTS THAT CAN BE ACHIEVED FROM OR THE SUITABILITY, COMPLETENESS, TIMELINESS, RELIABILITY, LEGALITY, OR ACCURACY OF THE INFORMATION, SERVICES, PROGRAMS, AND MATERIALS AVAILABLE ON THE PAYSTANDARDS WEBSITE FOR ANY PURPOSE, AND EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OR ANY OTHER IMPLIED WARRANTY UNDER THE UNIFORM COMPUTER INFORMATION TRANSACTIONS ACT AS ENACTED BY ANY STATE. PAYSTANDARDS ALSO MAKES NO REPRESENTATION OR WARRANTY THAT THE PAYSTANDARDS WEBSITE WILL OPERATE ERROR FREE OR IN AN UNINTERRUPTED FASHION OR THAT ANY FILES OR INFORMATION THAT YOU DOWNLOAD FROM THE SITE WILL BE FREE OF VIRUSES OR CONTAMINATION OR DESTRUCTIVE FEATURES.

16. LIMITATION OF LIABILITY. You expressly absolve and release PayStandards from any claim of harm resulting from a cause beyond PayStandards’ control, including, but not limited to, failure of electronic or mechanical equipment or communication lines, telephone or other connection problems, computer viruses, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes, or other labor problems, wars, or governmental restrictions. MOREOVER, IN NO EVENT SHALL PAYSTANDARDS BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THE PAYSTANDARDS WEBSITE, WITH THE DELAY OR INABILITY TO USE THE PAYSTANDARDS WEBSITE, OR FOR ANY INFORMATION, SERVICES, PROGRAMS, PRODUCTS, AND MATERIALS AVAILABLE THROUGH THE PAYSTANDARDS WEBSITE, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF PAYSTANDARDS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY. NOTWITHSTANDING THE FOREGOING, TOTAL LIABILITY OF PAYSTANDARDS FOR ANY REASON WHATSOEVER RELATED TO USE OF THE PAYSTANDARDS WEBSITE SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY YOU TO PAYSTANDARDS IN CONNECTION WITH THE SUBJECT MATTER OF THE PARTICULAR DISPUTE DURING THE PRIOR THREE MONTHS.

17. INDEMNITY. You agree to defend, indemnify, and hold harmless PayStandards and affiliates and all of their respective employees, agents, directors, officers, shareholders, attorneys, successors, and assigns from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs, and expenses (including reasonable attorneys' fees and litigation expenses) relating to or arising from any breach by you of this TOS.

18. NOTICE OF SECURITY BREACH. In addition to the foregoing indemnification obligation, if you discover or are notified of a breach or potential breach of security with respect to any personally identifiable information provided or made available by PayStandards, you shall immediately (i) notify PayStandards of such breach or such potential breach and (ii) if the applicable data was in your possession or control, including, without limitation, in instances where such possession or control was permitted by this TOS at the time of such breach or potential breach, you shall immediately (a) investigate such breach or such potential breach, (b) inform PayStandards of the results of such investigation, (c) assist PayStandards using commercially reasonable efforts in maintaining the confidentiality of such information, and (d) assist PayStandards as reasonably necessary to enforce PayStandards' rights and to enable PayStandards to comply with any state or federal law requiring the provision of notice of any security breach with respect to any personally identifiable information of the affected or impacted data subjects.

19. GOVERNING LAW. This TOS has been made in and will be construed and enforced solely in accordance with the laws of the United States of America and the State of New York, U.S.A. as applied to agreements entered into and completely performed in the State of New York. You and PayStandards each agree to submit to exclusive subject matter jurisdiction, personal jurisdiction, and venue of the courts in the State of New York for any disputes between us under or arising out of this TOS. You also agree to waive any right to a jury trial in connection with any action or litigation in any way arising out of or related to this TOS and acknowledge that either party may seek attorney's fees in any proceeding. Any claim you might have against PayStandards must be brought within two (2) years after the cause of action arises, or such claim or cause of action is barred. You also acknowledge and agree that any applicable state law implementation of the Uniform Computer Information Transactions Act (including any available remedies or laws) shall not apply to this TOS and is hereby disclaimed. PayStandards makes no representation that the WebSite is appropriate or available for use in other locations outside the State of New York, and access to the WebSite from sates, territories, or nations where any aspect of the WebSite is illegal is prohibited. You access the WebSite on your own volition and are responsible for compliance with all applicable local laws with respect to your access and use of the WebSite. A printed version of this TOS and of any related notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this TOS to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. Please contact PayStandards if you wish to receive a printed copy of this TOS.

20. ENFORCING SECURITY ON THE SITE. Actual or attempted unauthorized use of the WebSite may result in criminal and/or civil prosecution, including, without limitation, punishment under the Computer Fraud and Abuse Act of 1986 under U.S. federal law. PayStandards reserves the right to view, monitor, and record activity on the WebSite without notice or permission from you, including, without limitation, by archiving notices or communications sent by you through the WebSite. Any information obtained by monitoring, reviewing, or recording is subject to review by law enforcement organizations in connection with investigation or prosecution of possible criminal or unlawful activity on the WebSite as well as to disclosures required by or under applicable law or related government agency actions. PayStandards will also comply with all court orders involving requests for such information. In addition to the foregoing, PayStandards reserves the right, at any time and without notice, to modify, suspend, terminate, or interrupt operation of or access to the WebSite, or any portion of the WebSite, in order to protect the WebSite, PayStandards, or PayStandards' business.

21. TERM AND TERMINATION. This TOS and your right to use the WebSite will take effect at the moment you install, access, or use the WebSite and is effective until terminated as set forth below. In addition, PayStandards reserves the right at any time and on reasonable grounds, which shall include, without limitation, any reasonable belief of fraudulent or unlawful activity or actions or omissions that violate any term or condition of this TOS, to deny your access to the WebSite or to any portion thereof in order to protect its name and goodwill, its business, and/or other Authorized Users, and this TOS will also terminate automatically if you fail to comply with this TOS, subject to the survival rights of certain provisions identified below. Termination will be effective without notice. You may also terminate this TOS at any time by ceasing to use the WebSite, but all applicable provisions of this TOS will survive termination, as identified below. Upon termination, you must destroy all copies of any aspect of the WebSite in your possession. In addition to the miscellaneous section below, the provisions concerning PayStandards' proprietary rights, feedback, indemnity, disclaimers of warranty, limitation of liability, and governing law will survive the termination of this TOS for any reason.

22. MISCELLANEOUS. You acknowledge that any breach, threatened or actual, of this TOS will cause irreparable injury to PayStandards, such injury would not be quantifiable in monetary damages, and PayStandards would not have an adequate remedy at law. You therefore agree that PayStandards shall be entitled, in addition to other available remedies, to seek and be awarded an injunction or other appropriate equitable relief from a court of competent jurisdiction restraining any breach, threatened or actual, of your obligations under any provision of this TOS. Accordingly, you hereby waive any requirement that PayStandards post any bond or other security in the event any injunctive or equitable relief is sought by or awarded to PayStandards to enforce any provision of this TOS. The parties agree that this TOS is for the benefit of the parties hereto as well as PayStandards' licensors. Accordingly, this TOS is personal to you, and you may not assign your rights or obligations to any other person or entity without PayStandards' prior written consent. Failure by PayStandards to insist on strict performance of any of the terms and conditions of this TOS will not operate as a waiver by PayStandards of that or any subsequent default or failure of performance. If any provision (or part thereof) contained in this TOS is determined to be void, invalid, or otherwise unenforceable by a court of competent jurisdiction or on account of a conflict with an applicable government regulation, such determination shall not affect the remaining provisions (or parts thereof) contained herein and the illegal, invalid, or unenforceable clause shall be modified in compliance with applicable law in a manner that most closely matches the intent of the original language. No joint venture, partnership, employment, or agency relationship exists between you and PayStandards as result of this TOS or your utilization of the WebSite. Headings herein are for convenience only. This TOS, along with PayStandards' Privacy Policy, represents the entire agreement between you and PayStandards with respect to use of the WebSite, and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written between you and PayStandards with respect to the WebSite.