Avance Associates Thrives With Your Progress.

TERMS OF USE

Last updated: September 25, 2006
Welcome to the Avance Associates Web site. Avance Associates provides its services to you subject to the following conditions. If you visit or use the Avance Associates Web site, you accept these conditions. Please read them carefully. In addition, when you use any current or future Avance Associates Alliance service, you also will be subject to the guidelines and conditions applicable to such service or business.

PRIVACY

Please review our Privacy Policy below, which also governs your visit to the Avance Associates Web site, to understand our practices.


ELECTRONIC COMMUNICATIONS

When you visit the Avance Associates Web site or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices on this site. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.


COPYRIGHT

All content included on this site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of Avance Associates or its content suppliers and protected by United States and international copyright laws. The compilation of all content on this site is the exclusive property of Avance Associates and protected by U.S. and international copyright laws.


LICENSE AND SITE ACCESS

Avance Associates grants you a limited license to access and make personal use of this site and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Avance Associates. This license does not include any resale or commercial use of this site or its contents; any derivative use of this site or its contents. This site or any portion of this site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Avance Associates. 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 Avance Associates without express written consent. You may not use any meta tags or any other "hidden text" utilizing Avance Associates's name or trademarks without the express written consent of Avance Associates. Any unauthorized use terminates the permission or license granted by Avance Associates. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of Avance Associates Web site so long as the link does not portray the Avance Associates or its products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any Avance Associates logo or other proprietary graphic as part of the link without express written permission.


COPYRIGHT COMPLAINTS

Avance Associates respects the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please contact us.


DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY

THIS SITE IS PROVIDED BY AVANCE ASSOCIATES ON AN "AS IS" AND "AS AVAILABLE" BASIS. AVANCE ASSOCIATES MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, AVANCE ASSOCIATES DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. AVANCE ASSOCIATES DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM AVANCE ASSOCIATES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. AVANCE ASSOCIATES WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.


APPLICABLE LAW

By visiting the Avance Associates Web site, you agree that the laws of the state of Florida, without regard to principles of conflict of laws, will govern these Terms of Use and any dispute of any sort that might arise between you and Avance Associates.


DISPUTES

Any dispute relating in any way to your visit to the Avance Associates Web site or to products or services you purchase through the Avance Associates Web site shall be submitted to confidential arbitration in Orlando, Florida, except that, to the extent you have in any manner violated or threatened to violate the Avance Associates's intellectual property rights, the Avance Associates may seek injunctive or other appropriate relief in any state or federal court in the state of Florida, and you consent to exclusive jurisdiction and venue in such courts. Arbitration under this agreement shall be conducted under the rules then prevailing of the American Arbitration Association. The arbitrator's award shall be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise.


SITE POLICIES, MODIFICATION, AND SEVERABILITY

We reserve the right to make changes to our site, policies, and these Terms of Use at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.


PRIVACY POLICY

Avance Associates knows that you care how information about you is used and shared, and we appreciate your trust that we will do so carefully and sensibly. This notice describes our privacy policy. By visiting the Avance Associates Web site, you are accepting the practices described here.


What Personal Information About Customers Does Avance Associates Gather?

* Information You Give Us: We receive and might store any information you enter on our Web site or give us in any other way. You provide most such information when you communicate with Avance Associates by e-mail, phone or fax. As a result of these actions, you might supply us with such information as your name, billing and shipping address, and phone numbers; and credit card information. You can choose not to provide certain information, but then you might not be able to take advantage of some of our features.

* Automatic Information: We receive and store certain types of information whenever you interact with us. Examples of the information we collect and analyze include the Internet Protocol (IP) address used to connect your computer to the Internet; computer and connection information such as browser type and version, operating system, and platform; the full Uniform Resource Locator (URL) clickstream to, through, and from our Web site, including date and time; and pages you viewed or searched for.

* E-mail Communications: To help us make e-mails more useful and interesting, we may receive a confirmation when you open e-mail from Avance Associates if your computer supports such capabilities. If you do not want to receive e-mail or other mail from us, please contact us.

* Information from Other Sources: We might receive information about you from other sources and add it to our information, such as commercial mailing lists.


Does Avance Associates Share Contact Information It Receives?

Information about our users is an important part of our operation, and we are not in the business of selling it to others. We share customer information only as described below and with subsidiaries Avance Associates controls that either are subject to this Privacy Notice or follow practices at least as protective as those described in this Privacy Policy.

* Agents: We employ other companies and individuals to perform functions on our behalf. Examples include processing credit card payments. They have access to personal information needed to perform their functions, but may not use it for other purposes.

* Protection of Avance Associates and Others: We release account and other personal information when we believe release is appropriate to comply with the law; enforce or apply our Terms of Use and other agreements; or protect the rights, property, or safety of Avance Associates, our users, or others. This includes exchanging information with other companies and organizations for fraud protection and credit risk reduction. Obviously, however, this does not include selling, renting, sharing, or otherwise disclosing personally identifiable information from customers for commercial purposes in violation of the commitments set forth in this Privacy Policy.

* With Your Consent: Other than as set out above, you will receive notice when information about you might go to third parties, and you will have an opportunity to choose not to share the information.


How Secure Is Information About Me?

* When you pay us online by credit card, your transaction occurs over a secure Internet connection. Transactions are transmitted using one of the strongest Secure Sockets Layer (SSL) protocols available. Your confidential information is encrypted so that it cannot be altered or embellished during transmission.


Which Information Can I Access?

* Avance Associates gives you access to the information about your account and your interactions with Avance Associates for the purpose of viewing and, in certain cases, updating that information. Examples of information you can access easily through Avance Associates include personally identifiable information (including name and e-mail); and payment settings (including credit card information).


What Choices Do I Have?

* As discussed above, you can always choose not to provide information, even though it might be needed to make a purchase or to take advantage of certain features.

* You can add or update your personal information by contacting us.

* If you do not want to receive e-mail or other mail from us, please contact us.


Conditions of Use, Notices, and Revisions

If you choose to visit the Avance Associates Web site, your visit and any dispute over privacy is subject to this Notice and our Terms of Use, including limitations on damages, arbitration of disputes, and application of the law of the state of Florida. If you have any concern about privacy at Avance Associates, please send us a thorough description to info@avanceassociates.com, and we will try to resolve it.

Our business evolves constantly, and our Privacy Policy and the Terms of Use can change also. You should check our Web site frequently to see recent changes. Unless stated otherwise, our current Privacy Policy applies to all information that we have about you. We stand behind the promises we make, however, and will never materially change our policies and practices to make them less protective of customer information collected in the past without the consent of affected customers.

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