TERMS OF USE

THIS TERMS OF USE AGREEMENT (“AGREEMENT“) IS A LEGAL AGREEMENT BETWEEN YOU (“USER“) AND INSTANTBUSINESSPRODUCTS.COM/EXCEL. BY ACCESSING AND USING THIS WEBSITE LOCATED AT WWW.INSTANTBUSINESSPRODUCTS.COM (“SITE”), USER ACKNOWLEDGES THAT HE OR SHE HAS READ, UNDERSTOOD AND AGREES WITH THE TERMS AND CONDITIONS STATED WITHIN THIS AGREEMENT. USER REPRESENTS THAT HE/SHE IS AT LEAST 18 YEARS OF AGE AND HAS ATTAINED THE AGE OF MAJORITY IN THE STATE OR COUNTRY IN WHICH THE USER RESIDES, AND ANY INFORMATION THAT SAID USER SUBMITS IS CORRECT.

THE INSTANTBUSINESSPRODUCTS.COM WEBSITE IS DESIGNED TO PROVIDE ACCURATE AND AUTHORITATIVE INFORMATION IN REGARD TO THE SUBJECT MATTER COVERED BUT IT IS MADE AVAILABLE WITH THE UNDERSTANDING THAT EXCEL IS NOT ENGAGED IN RENDERING LEGAL, ACCOUNTING, STAFFING OR OTHER PROFESSIONAL SERVICES. IF LEGAL OR PROFESSIONAL ADVICE IS REQUIRED, THE SERVICES OF A QUALIFIED PROFESSIONAL SHOULD BE SOUGHT. EXCEL DOES NOT GUARANTEE OR WARRANT VISITORS WHO USE THE INFORMATION PROVIDED ON THIS SITE WILL ACHIEVE RESULTS SIMILAR TO THOSE DISCUSSED.

COPYRIGHT

ALL OF THE CONTENT ON THIS SITE IS THE PROPERTY OF EXCEL AND IS PROTECTED BY INTERNATIONAL COPYRIGHT LAWS. THE TERM “CONTENT”; SHALL INCLUDE ALL TEXT, GRAPHICS AND ANY AND ALL OTHER FEATURES FOUND ON THE SITE. ANY COPYING, DISTRIBUTION, STORING OR TRANSMISSION OF ANY KIND, OR ANY SORT OF COMMERCIAL USE OF OUR CONTENT IS STRICTLY PROHIBITED WITHOUT OUR PRIOR WRITTEN PERMISSION FROM EXCEL. UNAUTHORIZED REPRODUCTION OR DISTRIBUTION OF ANY INFORMATION INCLUDED ON THE INSTANTBUSINESSPRODUCTS.COM WEBSITE, OR ANY PORTION OF IT, MAY RESULT IN SEVERE CIVIL AND CRIMINAL PENALTIES AND VIOLATORS WILL BE PROSECUTED TO THE MAXIMUM EXTENT PERMISSABLE BY LAW.

PRIVACY

INSTANTBUSINESSPRODUCTS.COM COLLECTS INFORMATION ABOUT USERS OF THE SITE. COLLECTION INFORMATION IS GOVERNED BY THE INSTANTBUSINESSPRODUCTS.COM PRIVACY POLICY.

USER CONDUCT

USER MAY DOWNLOAD MATERIAL FROM THE INSTANTBUSINESSPRODUCTS.COM SITE ONLY WHERE ALLOWED BY THE SITE AND ONLY FOR THE USER’S PERSONAL, INTERNAL AND NON-COMMERCIAL USE. USER WILL NOT TAKE PART IN ANY UNAUTHORIZED USE OF THE SITE, OR ANY INTERACTIVE FEATURES AVAILABLE ON THE SITE, OR DISSEMINATE OR MAKE PUBLICLY AVAILABLE ANY OF THE INFORMATION AVAILABLE ON THE SITE. USER MAY NOT ENGAGE IN ANY CONDUCT OR ACTION THAT IS PROHIBITED BY LAW OR THAT VIOLATES ANY COUNTRY, FEDERAL, STATE OR LOCAL LAWS.

USER UNDERSTANDS THAT ALL INFORMATION, DATA, TEXT, SOFTWARE, MUSIC, SOUND, IMAGES, VIDEO OR OTHER MATERIALS (“CONTENT”), WHETHER PUBLICLY POSTED OR PRIVATELY TRANSMITTED, ARE THE SOLE RESPONSIBILITY OF THE SOURCE FROM WHICH SUCH CONTENT ORIGINATED. THIS MEANS THAT THE USER, AND NOT INSTANTBUSINESSPRODUCTS.COM OR EXCEL, ARE ENTIRELY RESPONSIBLE FOR ALL CONTENT THAT THE USER UPLOADS, POSTS, EMAILS, TRANSMITS OR OTHERWISE MAKES AVAILABLE VIA THE SITE EITHER DIRECTLY OR INDIRECTLY.

INSTANTBUSINESSPRODUCTS.COM DOES NOT CONTROL THE CONTENT POSTED OUTSIDE THE SITE AND AS SUCH, DOES NOT GUATRANTEE THE ACCURACY, INTEGRITY OR QUALITY OF SUCH CONTENT.

USER AGREES TO NOT USE THE SITE TO:

UPLOAD, POST, EMAIL, TRANSMIT OR OTHERWISE MAKE AVAILABLE ANY CONTENT THAT IS UNLAWFUL, THREATENING, ABUSIVE, HARASSING, TORTUOUS, DEFAMATORY, VULGAR, OBSCENE, LIBELLOUS, INVASIVE OF ANOTHER’S PRIVACY, HATEFUL, OR RACIALLY, ETHNICALLY OR OTHERWISE OBJECTIONABLE;

IMPERSONATE ANY PERSON OR ENTITY, INCLUDING, BUT NOT LIMITED TO, AN EXCEL OFFICIAL, FORUM LEADER, GUIDE OR HOST OR FALESLY STATE OR OTHERWISE MISREPRESENT YOUR AFFILIATION WITH ANY PERSON OR ENTITY;

FORGE HEADERS OR OTHERWISE MANIPULATE IDENTIFIERS IN ORDER TO DISGUISE THE ORIGIN OF ANY CONTENT TRANSMITTED THROUGH THE SITE;

UPLOAD, POST, EMAIL, TRANSMIT OR OTHERWISE MAKE AVAILABLE ANY CONTENT THAT YOU DO NOT HAVE A RIGHT TO MAKE AVAILABLE UNDER ANY LAW OR UNDER CONTRACTUAL OR FIDUCIARY RELATIONSHIP (SUCH AS INSIDE INFORMATION, PROPRIETARY AND CONFIDENTIAL INFORMATION LEARNED OR DISCLOSED AS PART OF EMPLOYMENT RELATIONSHIPS OR UNDER NONDISCLOSURE AGREEMENTS);

UPLOAD, POST, EMAIL, TRANSMIT OR OTHERWISE MAKE AVAILABLE ANY CONTENT THAT INFRINGES ANY PATENT, TRADEMARK, TRADE SECRET, COPYRIGHT OR OTHER PROPRIETARY RIGHTS (“RIGHTS”) OF ANY PARTY;

UPLOAD, POST, EMAIL, TRANSMIT OR OTHERWISE MAKE AVAILABLE ANY UNSOLICITED OR UNAUTHORIZED ADVERTISING, PROMOTIONAL MATERIALS, “JUNK MAIL,” “SPAM,” “CHAIN LETTERS,” “PYRAMID SCHEMES,” OR ANY OTHER FORM OF SOLICITATION;

UPLOAD, POST, EMAIL, TRANSMIT OR OTHERWISE MAKE AVAILABLE 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 OR HARDWARE OR TELECOMMUNICATIONS EQUIPMENT;

INTERFERE WITH OR DISRUPT THE SITE OR SERVERS OR NETWORKS CONNECTED TO THE SITE, OR DISOBEY ANY REQUIREMENTS, PROCEDURES, POLICIES OR REGULATIONS OF NETWORKS CONNECTED TO THE SITE;

INTENTIONALLY OR UNINTENTIONALLY VIOLATE ANY APPLICABLE LOCAL, PROVINCIAL, STATE, NATIONAL OR INTERNATIONAL LAW;

“STALK” OR OTHERWISE HARASS ANOTHER, OR COLLECT OR STORE PERSONAL DATA ABOUT OTHER USERS;

HARM MINORS IN ANY WAY.

USER ACKNOWLEDGES, CONSENTS AND AGREES THAT EXCEL MAY ACCESS, PRESERVE AND DISCLOSE YOUR ACCOUNT INFORMATION AND CONTENT IF REQUIRED TO DO SO BY LAW OR IN A GOOD FAITH BELIEF THAT SUCH ACCESS PRESERVATION OR DISCLOSURE IS REASONABLY NECESSARY TO: A) COMPLY WITH LEGAL PROCESS; B) ENFORCE THE TERMS OF USE; C) RESPOND TO CLAIMS THAT ANY CONTENT VIOLATES THE RIGHTS OF THIRD-PARTIES; D) RESPOND TO USER’S REQUEST FOR CUSTOMER SERVICE; OR E) PROTECT THE RIGHTS, PROPERTY OR PERSONAL SAFETY OF INSTANTBUSINESSPRODUCTS.COM AND/OR EXCEL, ITS USERS AND THE PUBLIC.

LINKS TO THIRD PARTY SITES

THE SITE MAY CONTAIN LINKS TO THIRD-PARTY WEBSITES WHICH ARE NOT UNDER THE CONTROL OF INSTANTBUSINESSPRODUCTS.COM AND/OR ECCEL. EXCEL MAKES NO REPRESENTATIONS WHATSOEVER ABOUT ANY OTHER WEBSITE TO WHICH YOU MAY HAVE ACCESS THROUGH THE INSTANTBUSINESSPRODUCTS.COM SITE. WHEN ACCESSING A NON-INSTANTBUSINESSPRODUCTS.COM WEBSITE, YOU DO SO AT YOUR OWN RISK AND ACKNOWLEDGE THAT INSTANTBUSINESSPRODUCTS.COM AND EXCEL ARE NOT RESPONSIBLE OR LIABLE FOR ANY CONTENT, ADVERTISING, PRODUCT OR OTHER MATERIAL AVAILABLE FROM SUCH THIRD PARTY SITES.

USER ALSO AGREES THAT INSTANTBUSINESSPRODUCTS.COM AND EXCEL SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE OF ANY SORT AS THE RESULT OF USING ANY THIRD-PARTY’S WEBSITE. MENTION OF THIRD-PARTY COMPANIES AND WEBSITES ON THE INSTANTBUSINESSPRODUCTS.COM SITE IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUE AN ENDORSEMENT OR RECOMMENDATION.

LINKING AND FRAMING THE WEB SITE

LINKS TO THE INSTANTBUSINESSPRODUCTS.COM WEBSITE WITHOUT THE EXPRESS WRITTEN PERMISSION OF INSTANTBUSINESSPRODUCTS.COM AND/OR EXCEL ARE STRICTLY PROHIBITED.

LIMITATION OF LIABILITY

USER EXPRESSLY UNDERSTANDS AND AGREES THAT EXCEL SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE (DIRECT, INDIRECT, PUNITIVE, ACTUAL, CONSEQUENTIAL, INCIDENTAL, SPECIAL, EXEMPT OR OTHERWISE) RESULTING FROM ANY USE OF, OR INABILITY TO USE, THE SITE, OR RESULTING FROM ANY ERRORS OR OMISSIONS IN THE CONTENT OF THE SITE, REGARDLESS OF THE BASIS UPON WHICH LIABILITY IS CLAIMED, EVEN IF EXCEL BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OF DAMAGE.

WHILE EVERY EFFORT IS MADE TO INSURE ACCURACY, EXCEL MAKES NO WARRANTY THAT THE SITE WILL MEET YOUR REQUIREMENTS OR THAT IT WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE; NOR DOES EXCEL MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SITE.

USER UNDERSTANDS AND AGREES THAT ANY CONTENT DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS DONE AT USER’S OWN RISK AND THAT USER WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE DONE TO USER’S COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH CONTENT.

UNLESS EXPRESSLY STATED OTHERWISE, EXCEL PROVIDES THIS SITE CONTENT “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, TO THE FULLEST EXTENT ALLOWABLE BY LAW. THIS INCLUDES THE IMPLIED WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT OF INTELLECTUAL PROPERTY, AND FITNESS FOR A PARTICULAR PURPOSE. IN NO EVENT SHALL EXCEL OR ITS SUPPLIERS BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION OR LOSS OF INFORMATION) ARISING OUT OF THE USE OR INABILITY TO USE THE SITE CONTENT, EVEN IF EXCEL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION IS SUBJECT TO THE PROVISIONS OF ANY APPLICABLE LAW THAT MAY RESTRICT ITS SCOPE.

INDEMNIFICATION

USER AGREES, AT USER’S EXPENSE, TO INDEMNIFY, DEFEND AND TO HOLD HARMLESS EXCEL, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES AND LICENSEES FROM AND AGAINST ANY JUDGMENT, LOSSES, DEFICIENCIES, DAMAGES, LIABILITIES, COSTS AND EXPENSES (INCLUDING REASONABLE ATTORNEY’S FEES AND EXPENSES) INCURRED IN CONNECTION WITH OR ARISING FROM ANY CLAIM, DEMAND, SUIT, ACTION OR PROCEEDING ARISING OUT OF USER’S BREACH OF THIS AGREEMENT OR IN CONNECTION WITH USER’S USE OF THE SITE OR ANY PRODUCT OR SERVICE RELATED THERETO.

IN NO EVENT WILL EXCEL OR ANY OF ITS PROVIDERS' TOTAL LIABILITY TO YOU OR ANY OTHER PERSON FOR ANY CLAIMS, PROCEEDINGS, LIABILITIES, OBLIGATIONS, DAMAGES, LOSSES, AND COSTS, WHETHER IN CONTRACT, TORT OR UNDER ANY OTHER THEORY OF LAW OR EQUITY, AND REGARDLESS OF ANY NEGLIGENCE OR OTHER FAULT OR WRONGDOING BY EXCEL OR ANY PERSON FOR WHOM EXCEL IS RESPONSIBLE, EXCEED FORTY DOLLARS (IN THE CURENCY OF THE COUNTRY IN WHICH PRODUCT OR SERVICE WAS PURCHASED) OR THE AMOUNT YOU PAID TO EXCEL FOR USE OF THE SITE, WHICHEVER IS LESS.

BY PURCHASING PRODUCT FROM INSTANTBUSINESSPRODUCTS.COM WEBSITE AND/OR EXCEL, USER AGREES TO BE BOUND BY THE TERMS OF THIS AGREEMENT. EXCEL REQUIRES THAT CUSTOMERS ACTIVELY PARTICIPATE IN THIS HOME BUSINESS OPPORTUNITY PURCHASED BEFORE A REFUND CAN BE REQUESTED OR WILL BE ISSUED. IF, AFTER FOLLOWING THE INSTRUCTIONS AND PUTTING THIS HOME BUSINESS PROGRAM TO WORK EXACTLY AS SPECIFIED FOR THIRTY DAYS, THE CUSTOMER DOES NOT MAKE THE KIND OF MONEY THAT THE GUARANTEE DESCRIBES, THE CUSTOMER MAY AT THAT TIME, REQUEST A REFUND OF THEIR PURCHASE PRICE. CUSTOMER MUST INCLUDE INFORMATION REGARDING WHICH PROGRAM WAS TRIED AND HOW IT WAS USED. NO REFUNDS WILL BE ISSUED PRIOR TO THIRTY DAYS OF PURCHASE NOR WILL REFUNDS BE ISSUED AFTER THIRTY FIVE DAYS OF PURCHASE. IF A REFUND REQUEST IS SENT PRIOR TO THIRTY DAYS OR AFTER THIRTY DAYS OR WITHOUT PROOF THAT THE PROGRAM WAS PUT INTO ACTION, THAT REFUND REQUEST WILL NOT BE PROCESSED. ALL BONUS GIFTS ARE GUARANTEE EXEMPT. REFUND REQUESTS ARE SUBJECT TO THE DISCRETION OF EXCEL.

CORPORATE IDENTIFICATION AND TRADEMARKS

ALL REGISTERD AND/OR UNREGISTERED TRADEMARKS AND/OR SERVICE MARKS USED OR REFERRED TO ON THE SITE ARE THE PROPERTY OF INSTANTBUSINESSPRODUCTS.COM AND EXCEL UNLESS OTHERWISE NOTED. USERS MAY NOT USE, COPY, REPRODUCE, REPUBLISH, UPLOAD, POST, TRANSMIT, DISTRIBUTE OR MODIFY THE MARKS IN ANY WAY WITHOUT THE PRIOR WRITTEN CONSENT OF EXCEL. THE USE OF THESE MARKS ON ANY OTHER WEBSITE OR MEDIUM, WITHOUT AUTHORIZATION, IS STRICTLY PROHIBITED. ALL MATERIALS CONTAINED ON THE SITE ARE COPYRIGHTD EXCEPT WHERE EXPLICITLY NOTED OTHERWISE. ALL RIGHTS RESERVED.

USER ACKNOWLEDGES AND AGREES THAT CONTENT CONTAINED ON THE SITE, INCLUDING BUT NOT LIMITED TO TEXT, SOFTWARE, MUSIC, SOUND, PHOTOGRAPHS, VIDEO, DESIGN, GRAPHICS OR OTHER MATERIAL (“CONTENT”), IS PROTECTED BY COPYRIGHTS, TRADEMARKS, SERVICE MARKS, PATENTS OR OTHER PROPRIETARY RIGHTS AND LAWS. USER MAY NOT COPY, REPRODUCE, DISTRIBUTE OR CREATE DERIVATIVE WORKS FROM THIS CONTENT OR OTHERWISE USE, TRANSMIT, REBROADCAST, PUBLISH, OR DISTRIBUTE IN ANY FORM THIS CONTENT OTHER THAN EXPRESSLY AUTHORIZED BY THIS AGREEMENT WITHOUT THE PRIOR WRITTEN CONSENT OF EXCEL. USING ANY MATERIALS ON THE SITE FOR ANY COMMERCIAL PURPOSE, WITHOUT EXPRESS WRITTEN CONSENT VIOLATES EXCEL COPYRIGHTS AND OTHER PROPRIETARY RIGHTS.

BY UPLOADING, POSTING OR OTHERWISE MAKING MATERIAL AVAILABLE ANY CONTENT FROM THE INSTANTBUSINESSPRODUCTS.COM SITE IN ANY PUBLIC AREA, USER AUTOMATICALLY GRANTS OR WARRANTS THAT THE USER OF SUCH MATERIAL HAS GRANTED INSTANTBUSINESSPRODUCTS.COM AND EXCEL A PERPETUAL, WORLD-WIDE, ROYALTY-FREE, EXCLUSIVE RIGHT AND LICENSE TO USE, REPRODUCE, MODIFY, PUBLISH AND DISTRIBUTE THE MATERIAL, IN WHOLE OR PART, IN ANY MEDIA OR TECHNOLOGY NOW KNOWN OR HEREAFTER DEVELOPED AND FURTHER ENTITLES EXCEL TO ANY PROCEEDS PROCURED BY USER AS A RESULT OF USING ANY INSTANTBUSINESSPRODUCTS.COM / EXCEL MATERIAL AND/OR CONTENT.

EARNINGS & INCOME DISCLAIMERS

ANY EARNINGS OR INCOME STATEMENTS, OR EARNING EXAMPLES ARE ONLY ESTIMATES OF WHAT WE THINK YOU COULD EARN. THERE IS NO ASSURANCE THAT YOU WILL DO AS WELL. IF YOU RELY UPON OUR FIGURES, YOU MUST ACCEPT THE RISK OF NOT DOING AS WELL.

WHERE SPECIFIC INCOME FIGURES ARE USED, AND ATTRIBUTED TO AN INDIVIDUAL OR BUSINESS, THOSE PERSONS OR BUSINESSES HAVE EARNED THAT AMOUNT. THERE IS NO ASSURANCE THAT YOU WILL DO AS WELL. IF YOU RELY UPON OUR FIGURES, YOU MUST ACCEPT THE RISK OF NOT DOING AS WELL.

ANY AND ALL CLAIMS OR REPRESENTATIONS AS TO INCOME EARNINGS ON THIS WEBSITE ARE NOT TO BE CONSIDERED AS AVERAGE EARNINGS.

THERE CAN BE NO ASSURANCE THAT ANY PRIOR SUCCESSES OR PAST RESULTS AS TO INCOME EARNINGS CAN BE USED AS AN INDICATION OF YOUR FUTURE SUCCESS OR RESULTS.

ALL PRODUCTS AND SERVICES OFFERED BY EXCEL ARE FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY. USE CAUTION AND SEEK THE ADVICE OF QUALIFIED PROFESSIONALS. CHECK WITH YOUR ACCOUNTANT, LAWYER OR PROFESSIONAL ADVISOR BEFORE ACTING ON THIS OR ANY BUSINESS INFORMATION.

USERS OF OUR PRODUCTS, SERVICES AND WEBSITE ARE ADVISED TO DO THEIR OWN DUE DILIGENCE WHEN IT COMES TO MAKING BUSINESS DECISIONS AND ALL INFORMATION, PRODUCTS AND SERVICES THAT HAVE BEEN PROVIDED SHOULD BE INDEPENDENTLY VERIFIED BY YOUR OWN QUALIFIED PROFESSIONALS. THE INFORMATION, PRODUCTS AND SERVICES ON THIS WEBSITE SHOULD BE CAREFULLY CONSIDERED AND EVALUATED BEFORE REACHING A BUSINESS DECISION ON WHETHER OR NOT TO RELY ON THEM.

YOU AGREE THAT EXCEL IS NOT RESPONSIBLE FOR THE SUCCESS OR FAILURE OF YOUR BUSINESS DECISIONS RELATING TO ANY INFORMATION PRESENTED BY EXCEL OR EXCEL’S PRODUCTS OR SERVICES.

RESERVATION OF RIGHTS

ANY RIGHTS NOT EXPRESSLY GRANTED HEREIN ARE RESERVED.