B&L Membership Agreement

Welcome to Business and Learning! We invite you, our subscriber, to enjoy all the features this site has to offer; however we must require that each subscriber abide by certain rules so that no one's rights are stepped on. Failure to abide by these rules can result in immediate termination of access to this site, without refund or recourse. TERMS OF USE

1. Do not share your logon passwords and user names. Our system is designed to detect this immediately, and suspend any account where more than one person signs on using the same username and password.
2. Do not reprint, republish, repost, or otherwise distribute or transmit content or images presented on this site. Downloading is easy, but just because you may be able to copy our content doesn't mean you own it. Unauthorized use of or copying of our content, trademarks, and other proprietary material can subject you to civil or even criminal liability. Please don't violate our copyright.
3. No advertising, trading of goods or services, or other commercial use is allowed except in the specified areas of the members-only forum. No bulk e-mail, junk mail or spam, chain letters, or repeat postings of the same message is permitted anywhere on the forum.
4. Please use your own name when posting to the members-only forum. Do not impersonate anyone else. We want to get to know YOU better!
5. Treat other subscribers with courtesy and respect when posting messages to the discussion groups. No unnecessary name calling or abuse toward any subscriber is allowed. Remember the saying “if you don't have anything nice to say, then don't say it at all”!
6. Please avoid shouting (using all capital letters) in members-only forums.
7. Do not use vulgarity, obscenity, profanity, ethnic slurs, hate speech, or sexually explicit language, or harass, abuse, or threaten other subscribers in the members-only forum. Do not libel or defame others. This site strongly disapproves flaming and will absolutely, under no uncertain terms, will be tolerated.
8. When you post content in the members-only forum, you permit this site to display and distribute the content, and to use it for advertising and promotion. You grant this site the complete, perpetual, but non-exclusive right to use, reproduce, modify, adapt, translate, distribute, sub-license, etc., the content in whole or in part, throughout the world and universe, on a royalty-free basis.
9. We reserve the right to edit or remove objectionable postings. The person posting a message is solely responsible for it, not this site. Violators may be permanently banned from using the members-only forum, or even have their subscription terminated.

COPYRIGHT AND TRADEMARK LAW All editorial content and graphics on this site are protected by U.S. copyright and international treaties and may not be copied or re-used without the express written permission of this site, which reserves all rights . LIMITATION OF LIABILITY This site provides the information, services and products on an “as is” basis, without warranties of any kind. You agree that this site shall not be responsible for any content found within the confines of this site and that your use of the members-only forum, downloadable materials, or other informational data are retreived at your own risk and that you are solely responsible for any damages to your computer or data that results. All express warranties and all implied warranties, including without limitation warranties of merchantability and fitness for a particular purpose, and non-infringement of proprietary rights are hereby disclaimed to the full extent permitted by law. This site does not warrant that the use of the performance of this website will be timely, uninterrupted or free of error, or that this website or its servers will be free of viruses. In no event shall this site, its officers, directors, agents, representatives, and/or employees be liable for any loss or injury, direct or indirect, incidental, consequential, special or exemplary damages, or any damages whatsoever arising from the use or performance of this website or from any website or from any information, services or products provided through this website, even if this site has been advised of the possibility of such damages. In the event htat applicable law prevents the exclusion of liabilty for certain warranties, such exclusion does not apply to you to the extent limited by law. CHARGES You understand that your credit card, checking account, and/or Paypal (whichever you opened subscription with) will be charged either annually or in installments pursuant to the Flex-Pay choice,  until you cancel your subscription. If you have any questions regarding this, please contact us by visiting our “Contact Us” page. REFUNDS & RETURNS POLICY We want you to be happy with our products and services. Our goal is to develop a strong and long-lasting relationship with our subscribers; however we know that we cannot please all people all the time. Therefore, If you are unhappy with your membership within 10 days of purchase, please let us know by visiting our “Contact Us” page and we will refund your money, no questions asked. Our desire is to assist you in growing your business and developing a lifelong friendship!]]>