1.  Introduction.

The following terms and conditions govern all use of the Ribitus.com website and all content, services and products available at or through the website. The Website is offered subject to your acceptance without modification of all of the terms and conditions contained herein and all other operating rules, policies (including, without limitation, Ribitus™ Privacy Policy and procedures that may be published from time to time on this Site by TLC Financial, LLC . Your agreement is with TLC Financial, LLC.

These Website Standard Terms And Conditions (these Term or these Website Standard Terms And Conditions) contained herein on this webpage, shall govern your use of this website, including all pages within this website (collectively referred to herein below as this Website). These Terms apply in full force and effect to your use of this Website and by using this Website, you expressly accept all terms and conditions contained herein in full. You must not use this Website, if you have any objection to any of these Website Standard Terms And Conditions.
This Website is not for use by any minors (defined as those who are not at least 18 years of age), and you must not use this Website if you a minor.

2.  Intellectual Property Rights.

Other than content you own, which you may have opted to include on this Website, under these Terms, TLC Financial, LLC and/or its licensors own all rights to the intellectual property and material contained in this Website, and all such rights are reserved.
You are granted a limited license only, subject to the restrictions provided in these Terms, for purposes of viewing the material contained on this Website.

3. Membership and Registration

Certain areas of the Website may ask you to provide information to participate in certain features or access certain content. The decision to provide this information is purely optional, however if you elect not to provide such information, you may not be able to access certain content or features or participate in various areas of the Website. When you register or become a member of the Website or provide information to the Website in any other manner, you agree to provide only true, accurate, current and complete information on all registration pages. Using a name other than your own legal name is prohibited. You agree that TLC Financial, LLC may use the information you provide to us according to the Privacy Policy on the Website.

If you become a member of the Website, you agree to accept responsibility for all activities that occur under your account or password, and agree you will not sell, transfer or assign your membership or any membership rights. You are responsible for maintaining the confidentiality of your password and for restricting access to your computer so that others may not access the Website using your name in whole or in part. TLC Financial, LLC reserves the right to terminate membership and deny access to the Website to any person who violates these Terms of Service.

4. Website Security Rules

You are prohibited from violating or attempting to violate the security of the Website, including, without limitation, (a) accessing data not intended for you or logging into a server or account which you are not authorized to access, (b) attempting to probe, scan or test the vulnerability of a system or network or to breach security or authentication measures without proper authorization, (c) attempting to interfere with service to any user, host or network, including, without limitation, via means of submitting a virus to the Website, overloading, “flooding”, “mailbombing” or “crashing”, or (d) forging any TCP/IP packet header or any part of the header information in any e-mail, forum, or newsgroup posting. Violations of system or network security may result in civil or criminal liability. TLC Financial, LLC will investigate occurrences which may involve such violations and may involve, and cooperate with, law enforcement authorities in prosecuting those who are involved in such violations.

5. Software or Apps Available On This Website

Any software or app that is made available to download from the Website (“Software”) is the copyrighted work of TLC Financial, LLC. Use of the Software is governed by the terms of the end-user license agreement, if any, which accompanies or is included with the Software (“License Agreement”). End users shall not install or use any Software that is accompanied by or includes a License Agreement, unless the end user first agrees to the License Agreement terms. Any such Software is not available to users in territories where its distribution is prohibited by law.

6. International Users

The Website is controlled, operated and administered by TLC Financial, LLC. from its offices within the United States. TLC Financial, LLC. makes no representation that materials available through the Website are appropriate or available for use outside the United States and access to them from territories where their contents are illegal is prohibited. You may not use the Website or export the Content in violation of U.S. export laws and regulations. If you access the Website from a location outside the United States, you are responsible for compliance with all local laws.

7. Restrictions.

You are expressly and emphatically restricted from all of the following:

1. publishing any Website material in any media;

2. selling, sub-licensing and/or otherwise commercializing any Website material;

3. publicly performing and/or showing any Website material;

4. using this Website in any way that is, or may be, damaging to this Website;

5. using this Website in any way that impacts user access to this Website;

6. using this Website contrary to applicable laws and regulations, or in a way that causes, or may cause, harm to the Website, or to any person or business entity;

7. engaging in any data mining, data harvesting, data extracting or any other similar activity in relation to this Website, or while using this Website;

8. using this Website to engage in any advertising or marketing;

Certain areas of this Website are restricted from access by you and TLC Financial, LLC may further restrict access by you to any areas of this Website, at any time, in its sole and absolute discretion.  Any user ID and password you may have for this Website are confidential and you must maintain confidentiality of such information.

8. Your Content.

In these Website Standard Terms And Conditions, Your Content shall mean any audio, video, text, images or other material you choose to display on this Website. With respect to Your Content, by displaying it, you grant TLC Financial, LLC a non-exclusive, worldwide, irrevocable, royalty-free, sublicensable license to use, reproduce, adapt, publish, translate and distribute it in any and all media.

Your Content must be your own and must not be infringing on any third party’s rights. TLC Financial, LLC reserves the right to remove any of your content from this Website at any time, and for any reason, without notice.

9. No warranties.

This Website is provided as is with all faults, and TLC Financial, LLC makes no express or implied representations or warranties, of any kind related to this Website or the materials contained on this Website. Additionally, nothing contained on this Website shall be construed as providing consult or advice to you.

Every effort has been made to accurately represent our products and their potential.

Each individual’s success depends on his or her background, dedication, desire and motivation. As with any business endeavor, there is an inherent risk of loss of capital and there is no guarantee that you will earn any money.

10. Limitation of liability.

In no event shall TLC Financial, LLC, nor any of its officers, directors and employees, be liable to you for anything arising out of or in any way connected with your use of this Website, whether such liability is under contract, tort or otherwise, and TLC Financial, LLC, including its officers, directors and employees shall not be liable for any indirect, consequential or special liability arising out of or in any way related to your use of this Website.

11. Indemnification

You hereby indemnify to the fullest extent TLC Financial, LLC from and against any and all liabilities, costs, demands, causes of action, damages and expenses (including reasonable attorney’s fees) arising out of or in any way related to your breach of any of the provisions of these Terms.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole, and such provisions shall be deleted without affecting the remaining provisions herein.

Variation of Terms

TLC Financial, LLC is permitted to revise these Terms at any time as it sees fit, and by using this Website you are expected to review such Terms on a regular basis to ensure you understand all terms and conditions governing use of this Website.

13. Assignment

TLC Financial, LLC shall be permitted to assign, transfer, and subcontract its rights and/or obligations under these Terms without any notification or consent required. However, you shall not be permitted to assign, transfer, or subcontract any of your rights and/or obligations under these Terms.

14. Entire Agreement

These Terms, including any legal notices and disclaimers contained on this Website, constitute the entire agreement between TLC Financial, LLC and you in relation to your use of this Website, and supersede all prior agreements and understandings with respect to the same.

15.  Governing Law & Jurisdiction

These Terms will be governed by and construed in accordance with the laws of the State of Pennsylvania, and you submit to the non-exclusive jurisdiction of the state and federal courts located in United States for the resolution of any disputes.