myPBC USER POLICY

You expressly agree that your use of and browsing of the site are at your own risk. Neither myPBC.com /The Esplin Group Inc. nor any other party involved in creating, producing or delivering the site is liable for any direct, incidental, special, consequential, indirect or punitive damages arising out of your access to, or use of, or inability to use the site or any linked site or for the cost of procurement of substitute goods or services or resulting from any goods or services purchased or obtained or messages received or transactions entered into through the site or resulting from any unauthorized access to or alteration of your transmissions or data, including but not limited to, damages for loss of profits, use, data or other intangible property including legal costs and expenses, even if myPBC.com / The Esplin Group Inc. has been advised of the possibility of such damages.

Without limiting the foregoing, everything on the site is provided to you "as is" and "as available" without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties of satisfactory quality, fitness for a particular purpose or non-infringement. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Check your local laws for any restrictions of limitations regarding the exclusion of implied warranties.

While we use reasonable efforts to include accurate and up to date information on the site, we make no warranties or representations as to its accuracy or completeness. myPBC.com / The Esplin Group Inc. is not responsible for any errors or omissions or for the results obtained from the use of such information. The information is provided with the understanding that the information does not constitute any form of advice, recommendation or arrangement by myPBC.com / The Esplin Group Inc. or its affiliates or any other party involved in the site and is not intended to be relied upon by users in making (or refraining from making) any decisions based on such information. You must make your own decisions on whether or not to rely on any information posted on the site. myPBC.com / The Esplin Group Inc. reserves the right to modify information displayed on this site but it does not make any commitment to update the information displayed on this site.

myPBC.com / The Esplin Group Inc. also assumes no responsibility and shall not be liable for any damages to or viruses that may infect your computer equipment or other property on account of your access to, use of, or browsing in the site or your downloading of any materials, data, text, images, video or audio from the site.

While we take all reasonable steps to ensure a fast and reliable service we will not be held responsible for the security of the site or for any disruption of the site however caused, loss of or corruption of any material in transit, or loss of or corruption of material or data when downloaded onto any computer system. You will remain responsible and liable for material you upload on to or access from the site and you will indemnify us in the manner set out below in the Terms in relation to your accessing or uploading.

From time to time we will make available to you links from the site to third party sites. These sites are not in any way approved, checked, edited, vetted or endorsed by us and you agree that we shall not be responsible or liable in any way for the content, advertising or products available from such sites, the quality, functionality, suitability or legality of such sites or for any dealings that you may have, or the consequences of such dealings, with such third party site operators.

Any arrangements made between you and any second and third party named on myPBC.com / The Esplin Group Inc. are at your sole risk and responsibility and myPBC.com / The Esplin Group Inc. expressly disclaims any liability for third party information or opinions posted on this web site or any linked web sites that arises under criminal or civil laws relating to defamation, intellectual property infringement, privacy, obscenity, or any other area of law.

Updated 01/01/2009