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Terms of Service

MicroFinance Transparency (“MFT”) operates this Site to provide online access to information about MFT and the services and opportunities we provide (the “Service”). By accessing and using this Site, you agree to each of the terms and conditions set forth herein (“Terms of Use”). Additional terms and conditions applicable to specific areas of this Site or to particular content or transactions are also posted in particular areas of the Site and, together with these Terms of Use, govern your use of those areas, content or transactions. These Terms of Use, together with applicable additional terms and conditions, are referred to as this “Agreement.”

MFT reserves the right to modify this Agreement at any time without giving you prior notice. Your use of the Site following any such modification constitutes your agreement to follow and be bound by the Agreement as modified. The last date these Terms of Use were revised is set forth below.

1. Use of Site

You may use the Service, the Site, and the information, writings, images and/or other works that you see, hear or otherwise experience on the Site (singly or collectively, the “Content”) solely for your non-commercial, personal purposes and/or to learn about MFT services. No right, title or interest in any Content is transferred to you, whether as a result of downloading such Content or otherwise. MFT reserves complete title and full intellectual property rights in all Content. Except as expressly authorized by this Agreement, you may not use, alter, copy, distribute, transmit, or derive another work from any Content obtained from the Site or the Service, except as expressly permitted by the Terms of Use.

2. Copyright

The Site and the Content are protected by U.S. and/or foreign copyright laws, and belong to MFT or its partners, affiliates, contributors or third parties. The copyrights in the Content are owned by MFT or other copyright owners who have authorized their use on the Site. You may download and reprint Content for non-commercial, non-public, personal use only If you are browsing this Site as an employee or member of any business or organization, you may download and reprint Content only for educational or other non-commercial purposes within your business or organization, except as otherwise permitted by MFT. You may not manipulate or alter in any way images or other Content on the Site.

3. Trademarks

You are prohibited from using any of the marks or logos appearing throughout the Site without permission from the trademark owner, except as permitted by applicable law.

4. Links to Third-Party Web Sites

Links on the Site to third party web sites or information are provided solely as a convenience to you. If you use these links, you will leave the Site. Such links do not constitute or imply an endorsement, sponsorship, or recommendation by MFT of the third party, the third-party web site, or the information contained therein. MFT is not responsible for the availability of any such web sites. MFT is not responsible or liable for any such web site or the content thereon. If you use the links to the web sites of MFT affiliates or service providers, you will leave the Site, and will be subject to the terms of use and privacy policy applicable to those web sites.

5. Linking to this Site

You may not mirror or frame the home page or any other pages of this Site on any other web site or web page.

6. Downloading Files

MFT cannot and does not guarantee or warrant that files available for downloading through the Site will be free of infection by software viruses or other harmful computer code, files or programs.

7. Software

Any software available for download via the Site is the copyrighted work of MFT and/or its licensors. Use of such software is governed by the terms of the end user license agreement that accompanies or is included with the software. Downloading, installing, and/or using any such software indicates your acceptance of the terms of the end user license agreement.

8. Disclaimer of Warranties

MFT MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SITE, THE SERVICE OR THE CONTENT. MFT EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WITH REGARD TO THE SITE, THE SERVICE, THE CONTENT, AND ANY PRODUCT OR SERVICE FURNISHED OR TO BE FURNISHED VIA THE SITE. MFT DOES NOT WARRANT THAT THE FUNCTIONS PERFORMED BY THE SITE OR THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS IN THE SITE OR THE SERVICE WILL BE CORRECTED. MFT DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE CONTENT, OR THAT ANY ERRORS IN THE CONTENT WILL BE CORRECTED. THE SITE, THE SERVICE AND THE CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

9. Limitation of Liability

IN NO EVENT WILL MFT BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (I) THE USE OF OR INABILITY TO USE THE SITE, THE SERVICE, OR THE CONTENT, (II) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE SITE; (III) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SITE, THE SERVICE AND/OR THE CONTENT, (IV) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, OR (V) ANY OTHER MATTER RELATING TO THE SITE, THE SERVICE, OR THE CONTENT, EVEN IF MFT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE SITE, THE SERVICE, THE CONTENT, OR WITH THE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH STATES, MFT’S LIABILITY IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED $100.00.

10. Indemnification

You understand and agree that you are personally responsible for your behavior on the Site. You agree to indemnify, defend and hold harmless MFT, its parent companies, subsidiaries, affiliated companies, joint venturers, business partners, licensors, employees, agents, and any third-party information providers to the Service from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorneys’ fees, resulting from or arising out of your use, misuse, or inability to use the Site, the Service, or the Content, or any violation by you of this Agreement.

11. User Conduct

You agree to use the Site only for lawful purposes. You agree not to take any action that might compromise the security of the Site, render the Site inaccessible to others or otherwise cause damage to the Site or the Content. You agree not to add to, subtract from, or otherwise modify the Content, or to attempt to access any Content that is not intended for you. You agree not to use the Site in any manner that might interfere with the rights of third parties.

12. Use of Comment Boards

MFTtransparency.org users may submit comments on the discussion items and blogs on this site. MFTransparency retains the right to remove any comments we determine to be, at our sole discretion, unacceptable. This includes personal attacks, profanity, or comments that are for any other reason objectionable. We also retain the right to make necessary edits to grammar and spelling.

13. Use of Data

MFT grants to you a worldwide non-exclusive royalty-free revocable license to use the data presented on this site and in the downloadable tables for analytical purposes. You may reproduce the data, up to a maximum of 100 data points, in publications and on other websites if the date and source of the data is clearly indicated.  For larger amounts of data than this you must give a link to the data on MFT’s website, to ensure that the data presented is up-to-date. Prior written permission must be obtained from MFT in order to adapt, edit, change, or transform this data, or the other material on this website. Any use of data on the MFT website or in the downloadable data tables in this way without the prior written consent of MicroFinance Transparency is strictly prohibited. You may request permission to use the data on this website by writing to [email protected]  MFT does not grant you any other rights in relation to this data or website or the material on this website. All other rights are reserved.

14. Unsolicited Idea Submission Policy

MFT or any of its employees do not accept or consider unsolicited ideas, including ideas for new advertising campaigns, marketing strategies, new or improved products, technologies, services, processes, materials, or new product names. We have found this policy necessary in order to avoid misunderstandings should MFT’s business activities bear coincidental similarities with one or more of the thousands of unsolicited ideas offered to us. Please do not send your unsolicited ideas to MFT or anyone at MFT. If, in spite of our request that you not send us your ideas, you still send them, then regardless of what your posting, email, letter, or other transmission may say, (1) your idea will automatically become the property of MFT, without any compensation to you; (2) MFT will have no obligation to return your idea to you or respond to you in any way; (3) MFT will have no obligation to keep your idea confidential; and (4) MFT may use your idea for any purpose whatsoever, including giving your idea to others.

However, MFT does welcome feedback regarding many areas of MFT’s existing businesses that will help satisfy customer’s needs, and feedback can be provided through the many listed contact areas on the Site. Any feedback you provide shall be deemed a Submission under the terms in the User Supplied Information section.

15. User Supplied Information

MFT does not want to receive confidential or proprietary information from you via the Site. You agree that any material, information, or data you transmit to us or post to the Site (each a “Submission or collectively “Submissions”) will be considered non confidential and non proprietary. For all Submissions, (1) you guarantee to us that you have the legal right to post the Submission and that it will not violate any law or the rights of any person or entity, and (2) you give MFT the royalty-free, irrevocable, perpetual, worldwide right to use, distribute, display and create derivative works from the Submission, in any and all media, in any manner, in whole or in part, without any restriction or responsibilities to you.

16. General Provisions

a. Entire Agreement/No Waiver. These Terms of Use constitute the entire agreement of the parties with respect to the subject matter hereof. No waiver by MFT of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default.

b. Correction of Errors and Inaccuracies. The Content may contain typographical errors or other errors or inaccuracies and may not be complete or current. MFT therefore reserves the right to correct any errors, inaccuracies or omissions and to change or update the Content at any time without prior notice. MFT does not, however, guarantee that any errors, inaccuracies or omissions will be corrected.

c. Enforcement/ Choice of Law/ Choice of Forum. If any part of this Agreement is determined by a court of competent jurisdiction to be invalid or unenforceable, it will not impact any other provision of this Agreement, all of which will remain in full force and effect. Any and all disputes relating to this Agreement, MFT’s Privacy Policy, your use of the Site, any other MFT web site, the Service, or the Content are governed by, and will be interpreted in accordance with, the laws of the State of New York, without regard to any conflict of laws provisions.

d. Claims of Copyright Infringement. Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to Service Provider’s Designated Agent.

Contact Information:

MFTransparency
325 N West End Ave
Lancaster, PA 17603 (USA)
Phone: +1 717-475-6733
Fax: +1 866-285-8363
[email protected]
Policy most recently updated: October 1, 2009.
© Copyright 2009 MFT. All rights reserved.

Privacy Statements

MicroFinance Transparency (“MFT”) is committed to honoring the privacy of visitors to our website,www.mftransparency.org. This privacy policy governs any personal and business information collected from visitors to MFT website. Our goal is to protect online information with the same diligence that we protect information obtained through other means.

Information Collection And Use

MFT’s website collects information about each visitor to the website in four ways: (1) through your IP address, which does not directly contain any personal information, (2) through any email correspondences you send to us, (3) when you submit information using an input form on one of our web pages, and (4) when you visit information on our website that requires you to have created an account and logged in.

1.  MFT’s web servers log all website visitors’ IP addresses to automatically collect information about usage of the website.  This information is collected only to help diagnose problems with our servers, administer our website, track traffic patterns, and identify ways to make our Web Site more useful.

2.  Email Correspondences
Unless specifically requested, any email messages you send to the MFT, including your email address, are kept private and will not be disclosed to third parties.

Links

MFT’s website contains links to other web sites. We are not responsible for the privacy practices or the content of sites other than ours, nor does information regarding referrals to other sources of assistance constitute an endorsement of the individuals or entities listed.

Terms and Conditions

By viewing this website, you agree to the following: MFT neither makes any warranties about the information contained herein, nor assumes any liability for use of this website. The information provided on this website does not constitute legal or financial advice. While every effort is made to ensure the accuracy of the information on these pages, no guarantees are provided and you should not rely on it for any financial or legal purpose. For financial or legal advice, please contact a certified public accountant or attorney licensed in your area. MFT reserves the right to modify or discontinue, temporarily or permanently, this website or any part thereof with or without notice.