1. Acceptance of Terms
Welcome to SiteContentBuilder.com. This site, SiteContentBuilder.com, (hereinafter referred to as "SCB") is provided as a paid subscription service to you, subject to the following Terms of Service (hereinafter referred to as "TOS"), which may be updated by us from time to time without notice to you. Your use of SCB and any Services, products, downloads, or anything else rendered from or with SCB, constitutes your unconditional agreement to follow and be bound by the TOS. Your use of SCB and the Service, as defined below, following any changes to the TOS constitutes your unconditional agreement to follow and be bound by the TOS as changed. For this reason, we encourage you to review the TOS whenever you use SCB or the Service, as defined below. Although you may "bookmark" a particular portion of this Site and thereby bypass this Agreement, your use of this Site still binds you to these Terms of Use.

By accepting these TOS through your use of the Service, as defined below, you certify that you are 18 years of age or older. If you are under the age of 18 but at least 13 years of age you may use the Service only under the supervision of a parent or legal guardian who agrees to be bound by these TOS. SCB does not intentionally collect personal information about children under the age of 13. Children under the age of 13 may not use the Service and parents or legal guardians may not agree to these TOS on their behalf. If you are a parent or legal guardian agreeing to these Terms of Use for the benefit of a child between the ages of 13 and 18, be advised that you are fully responsible for his or her use of the Service, including all financial charges and legal liability that he or she may incur. If you do not agree to (or cannot comply with) any of the terms and conditions in this TOS, do not use the Service. All billing and registration information provided must be truthful and accurate. providing any untruthful or inaccurate information may constitute a breach of these TOS.

2. Description of Service
In this TOS, the term the Service shall mean SCB, the Internet site SiteContentBuilder.com and any information found on the Internet site and any communication, electronic or otherwise on, by, or through the Internet site or SCB. (hereinafter collectively referred to as the "Service"). You also understand and agree that the Service includes information, whether on the Internet site SCB or communicated via email or other electronic communication, and no matter from what source, whether SCB  or some other entity, such as, but not limited to, job postings, press releases, news, articles, stories, and reviews. Unless explicitly stated otherwise, any new features that augment or enhance the current Service, including the release of new SCB  services or properties, shall be subject to the TOS. The officers and employees of SCB  may (or may not) maintain positions in some of the profiled Companies. You understand and agree that the Service is provided "AS-IS" and that SCB  assumes no responsibility for the timeliness, deletion, mis-delivery, accuracy of content, website or server downtime, inability for you to access the SCB products or services for any reason whether it is the fault of you or SCB or failure to store any user communications or personalization settings or other information, also any downloads provided by SCB are provided "AS-IS", any damages that may result from using the SCB products and services are the sole liability of you. You are responsible for obtaining access to the Service and that access may involve third party fees (such as Internet service provider or airtime charges). You are responsible for those fees, including those fees associated with the display or delivery of advertisements. In addition, you must provide and are responsible for all equipment necessary to access the Service.

Also part of the Service is SCB 's RSS (really simple syndication) service also known as "Natural Automated Site Growth", which is a means by which SCB  offers feeds of headlines of various forms of information in XML format ("RSS Content") to users of SCB  who use RSS aggregators or to who display the headlines in the RSS feeds on their websites. The RSS service may be used only when used exactly as generated as a download from the SCB  website. You may not display the RSS Content in a manner that does not permit successful linking to, redirection to or delivery of the applicable SCB  Site web page. You may not insert any intermediate page, splash page or other content between the RSS link and the applicable SCB  Site web page. SCB  assumes no liability for any of your activities in connection with the RSS feeds or for your use of the RSS feeds in connection with your website. The products and services offered are always growing and may encounter maintenance downtime to increase or improve the services offered.

3. Registration Obligations
In consideration of your use of the Service, you represent that you are of legal age to form a binding contract and are not a person barred from receiving services under the laws of the United States or other applicable jurisdiction. You also agree to: (a) provide true, accurate, current and complete information about yourself as prompted by any of the Service's registration forms (such information being the "Registration Data") and (b) maintain and promptly update the Registration Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or SCB  has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, SCB  has the right to suspend or terminate your account and refuse any and all current or future use of the Service (or any portion thereof). Since the Service is designed to appeal to a broad audience, as the legal guardian, it is your responsibility to determine whether any of the Service and/or Content (as defined in Section 5 below) are appropriate for your child. SCB may block access to the services, or products offered to anyone for any reason, in addition SCB may not be used to generate offensive material at the discretion of SCB. SCB reserves the right to terminate without partial or full refund if any part of this agreement is breeched. Refunds are not offered as our services are fully explained and offered AS-IS, SCB has taken every precaution possible to represent each product and service to the best accuracy possible, however if any information is inaccurate due to human error SCB can not be held responsible, this includes the website, newsletters, email transmissions, verbal agreements, any documentation herein stated or otherwise.

4. Member Account, Password and Security
You will receive a password and account designation upon completing the Service's registration process. You are responsible for maintaining the confidentiality of the password and account, and are fully responsible for all activities that occur under your password or account. You agree to (a) immediately notify SCB  of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you exit from your account at the end of each session. SCB  cannot and will not be liable for any loss or damage arising from your failure to comply with this Section 4.

5. Member Conduct
You understand that all information, data, text, software, music, sound, photographs, graphics, video, messages or other materials ("Content"), whether publicly posted or privately transmitted, are the sole responsibility of the person from which such Content originated. This means that you, and not SCB, are entirely responsible for all Content that you upload, post, email, transmit or otherwise make available via the Service. SCB  does not control the Content posted via the Service and, as such, does not guarantee the accuracy, integrity or quality of such Content. You understand that by using the Service, you may be exposed to Content that is offensive, indecent, objectionable, inaccurate, or not true. Under no circumstances will SCB  be liable in any way for any Content, including, but not limited to, for any errors or omissions in any Content, or for any loss or damage of any kind incurred as a result of the use of any Content posted, emailed, transmitted or otherwise made available via the Service.

SCB  has not verified and does not warrant or guarantee the accuracy of any of the information or Content contained in the Service. The Content and information in the Service has been provided by the Companies contained herein or other third party sources. It is the responsibility of the user to check the accuracy, timeliness and reliability of the information provided. By accessing the Service the user acknowledges that SCB  shall not be liable for any losses caused, either directly or indirectly, as a result of the information or Content contained on or produced by the Service, or information contained on any "linked" third party site, document, or other item. Users of the Service should verify all claims, information and Content and do their own due diligence before investing in any securities mentioned on the Service or working in any way or establishing any form of relationship with any of the listed Companies on the Service, or making any decisions whatsoever based on such claims, information, or Content. Investing in securities is speculative and carries a high degree of risk. An investment in securities could result in the loss of some or all of any investment made. SCB  is not a broker/dealer, nor does it or any of its officers or employees act as investment advisors. Nothing contained on the Service should be considered an offer or a solicitation for the purchase or sale of any security.

SCB  may be compensated by companies, products, services, or other documentation presented or otherwise profiled on the Service. SCB  is not a registered investment advisor or a registered securities broker dealer and SCB  does not undertake or represent to make investment recommendations or provide advice pertaining to the purchase or sale of the securities profiled on the Service or any other securities. SCB  conducts no due diligence on the profiled Companies or their securities. Moreover, SCB  does not endorse, independently verify, or assert the truthfulness or reliability of any statements, information or Content whatsoever contained on the Service, or to which there is a link from the Service, regarding the profiled Companies or their securities or any other information or Content whatsoever. Individuals and any other entities should not rely solely on the information contained on the Service when making an investment decision or any other decision. Rather, individuals and any other entities should conduct additional research that will permit them to form their own opinions regarding an investment in a Company's securities or any other securities. Statements contained on the Service may be "forward-looking statements" that involve risks and uncertainties. These statements may be identified by the use of terminology such as, but not excluded to: "believes", "expects", "may", "will", "should", or "anticipates". These words, variations of such words, and similar expressions identify forward-looking statements, but their absence does not mean that the statement is not forward-looking. The cautionary statements appearing above should be read as being applicable to all related forward-looking statements wherever they appear on the Service. The actual results of a profiled Company's operations, financial condition, or other aspects of its business could differ materially from those discussed on the Service. SCB  may liquidate any securities it may receive or own at any time it deems appropriate to do so, either prior to, during, or at any time after SCB  initiates its services for Company or at which a Company is part of the Service. In addition, SCB  may choose to purchase securities that are featured or mentioned on the Service, and thereafter liquidate the securities at any time it deems appropriate to do so either prior to, during, or at any time after SCB  initiates its services for a Company or at which a Company is part of the Service. SCB  reserves the right to decline certain companies from profiling on the Service that do not meet SCB 's criteria. Since SCB  has been compensated in many instances for its services, investors should evaluate the information on the Service with that in mind and should always perform their own independent analysis.

You agree not to use the Service to:

1. upload, post, email, transmit or otherwise make available any Content that is unlawful, harmful, threatening, abusive, harassing, torturous, defamatory, vulgar, obscene, libelous, invasive of another's SCB privacy, hateful, or racially, ethnically or otherwise objectionable;
2. harm minors in any way;
3. impersonate any person or entity, including, but not limited to, a SCB  official, employee, executive, agent, representative or partner, or falsely state or otherwise mis-represent your affiliation with a person or entity;
4. forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the Service;
5. 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 relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);
6. 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;
7. 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, except promotion of a business is acceptable in those areas that are specifically designated for promotion of a business such as a company profile for a business paying SCB  to have that company profile;
8. 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;
9. disrupt the normal flow of dialogue, cause a screen to "scroll" faster than other users of the Service are able to type, or otherwise act in a manner that negatively affects other users' ability to engage in real time exchanges;
10. interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service;
11. intentionally or unintentionally violate any applicable local, state, national or international law, including, but not limited to, regulations promulgated by the U.S. Securities and Exchange Commission, any rules of any national or other securities exchange, including, without limitation, the New York Stock Exchange, the American Stock Exchange or the NASDAQ, and any regulations having the force of law;
12. "stalk" or otherwise harass another; or
13. collect or store personal data about other users.

You acknowledge that SCB  may or may not SCB e-screen Content, but that SCB  and its designees shall have the right (but not the obligation) in their sole discretion to SCB e-screen, refuse, or move any Content that is available via the Service. Without limiting the foregoing, SCB  and its designees shall have the right to remove any Content that violates the TOS or is otherwise objectionable. You agree that you must evaluate, and bear all risks associated with, the use of any Content, including any reliance on the accuracy, completeness, or usefulness of such Content. In this regard, you acknowledge that you may not rely on any Content created by SCB  or submitted to SCB , including without limitation information and Content in articles, reviews and stories, and in all other parts of the Service.

You acknowledge, consent and agree that SCB  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 TOS; (c) respond to claims that any Content violates the rights of third-parties; (d) respond to your requests for customer service; or (e) protect the rights, property, or personal safety of SCB , its users and the public.

You understand that the technical processing and transmission of the Service, including your Content or any other Content, may involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices.

You understand that the Service and software embodied within the Service may include security components that permit digital materials to be protected, and use of these materials is subject to usage rules set by SCB  and/or content providers who provide content to the Service. You may not attempt to override or circumvent any of the usage rules embedded into the Service. Any unauthorized reproduction, publication, further distribution or public exhibition of the materials provided on the Service, in whole or in part, is strictly prohibited.

6. International Use
Recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct and acceptable Content. Specifically, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.

7. Content Submitted or Made Available for Inclusion on the Service
SCB  does not claim ownership of Content you submit or make available for inclusion on the Service. However, with respect to all Content, including but not limited to photos, graphics, audio, video, text, and other information and/or forms of information, that you submit or make available for inclusion on publicly accessible areas of the Service, you grant SCB  the world-wide, royalty free, non-exclusive, perpetual, irrevocable and fully sub licensable license to use, distribute, reproduce, modify, duplicate, adapt, publish, translate, sell, resell, trade, publicly perform and publicly display such Content (in whole or in part) and to incorporate such Content into other works in any format or medium now known or later developed. "Publicly accessible" areas of the Service are those areas of the Service and of SCB 's network of properties that are intended by SCB  to be available to the general public. However, publicly accessible areas of the Service would not include areas off of the Service or the SCB  network of properties such as portions of World Wide Web sites that are accessible via hypertext or other links but are not hosted or served by SCB .

8. Indemnity
You agree to indemnify and hold SCB , and its subsidiaries, affiliates, officers, agents, co-branders or other partners, and employees, harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of Content you submit, post, transmit or make available through the Service, your use of the Service, your connection to the Service, your violation of the TOS, or your violation of any rights of another.

9. No Resale of Service
You agree not to reproduce, duplicate, copy, sell, trade, resell or exploit for any commercial purposes, any portion of the Service (including your SCB  username and password), use of the Service, or access to the Service.

10. Use and Storage
You acknowledge that SCB  may establish general practices and limits concerning use of the Service, including without limitation the maximum number of days that messages, resumes, or other uploaded Content will be retained by the Service, the maximum number of messages that may be sent from or received by an account on the Service, the maximum size of any message that may be sent from or received by an account on the Service, the maximum disk space that will be allotted on SCB 's servers on your behalf, the maximum size of any Content that may be uploaded or stored, and the maximum number of times (and the maximum duration for which) you may access the Service in a given period of time. You agree that SCB  has no responsibility or liability for the deletion or failure to store any messages and other communications or other Content or information maintained, uploaded to, or transmitted by the Service. You acknowledge that SCB  reserves the right to log off accounts that are inactive for an extended period of time. You further acknowledge that SCB  reserves the right to modify these general practices and limits from time to time without notice to you.

11. Modifications to Service
SCB  reserves the right at any time and from time to time, to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. You agree that SCB  shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Service.

12. Termination
You agree that SCB  may, under certain circumstances and without prior notice, immediately terminate your SCB  account, any associated email address, and access to the Service. Cause for such termination shall include, but not be limited to, (a) breaches or violations of the TOS or other incorporated agreements or guidelines, (b) requests by law enforcement or other government agencies, (c) a request by you (self-initiated account deletions), (d) discontinuance or material modification to the Service (or any part thereof), (e) unexpected technical or security issues or problems, and (f) extended periods of inactivity. Termination of your SCB  account includes (a) removal of access to all offerings within the Service, (b) deletion of your username and password and all related information, files and content associated with or inside your account (or any part thereof), and (c) barring further use of the Service. Further, you agree that all terminations for cause shall be made in SCB 's sole discretion and that SCB  shall not be liable to you or any third-party for any termination of your account, any associated email address, or access to the Service.

13. Advertisers
Your correspondence or business dealings with, or participation in promotions of, any and all advertisers, companies, or other entities found on or through the Service, including but not limited to, payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser, company or other entity. You agree that SCB  shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers, company or other entity on the Service.

14. Links
The Service may provide, or third parties may provide, links to other World Wide Web sites or resources. Because SCB  has no control over such sites and resources, you acknowledge and agree that SCB  is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any Content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that SCB  shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Content, information, goods or services available on or through any such site or resource.

15. SCB 's proprietary Rights
You acknowledge and agree that the Service and any necessary software used in connection with the Service ("Software") contain proprietary and confidential information that is protected by applicable intellectual property and other laws. You further acknowledge and agree that Content contained in sponsor advertisements or information presented to you through the Service or advertisers is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly authorized in writing by SCB , you agree not to modify, rent, lease, loan, sell, distribute or create derivative works based on the Service or the Software, in whole or in part.

SCB  grants you a personal, non-transferable and non-exclusive right and license to use the object code of its Software on a single computer; provided that you do not (and do not allow any third party to) copy, modify, create a derivative work of, reverse engineer, reverse assemble or otherwise attempt to discover any source code, sell, assign, sublicense, grant a security interest in or otherwise transfer any right in the Software. You agree not to modify the Software in any manner or form, or to use modified versions of the Software, including (without limitation) for the purpose of obtaining unauthorized access to the Service. You agree not to access the Service by any means other than through the interface that is provided by SCB  for use in accessing the Service.

16. Disclaimer of Warranties
YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

1. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
2. SCB  MAKES NO WARRANTY THAT (i) THE SERVICE WILL MEET YOUR REQUIREMENTS, (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS, AND (V) ANY ERRORS IN THE SOFTWARE WILL BE CORRECTED.
3. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.
4. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM SCB  OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TOS.
5. A SMALL PERCENTAGE OF USERS MAY EXPERIENCE EPILEPTIC SEIZURES WHEN EXPOSED TO CERTAIN LIGHT PATTERNS OR BACKGROUNDS ON A COMPUTER SCREEN OR WHILE USING THE SERVICE. CERTAIN CONDITIONS MAY INDUCE PREVIOUSLY UNDETECTED EPILEPTIC SYMPTOMS EVEN IN USERS WHO HAVE NO HISTORY OF PRIOR SEIZURES OR EPILEPSY. IF YOU, OR ANYONE IN YOUR FAMILY, HAVE AN EPILEPTIC CONDITION, CONSULT YOUR PHYSICIAN SCB IOR TO USING THE SERVICE. IMMEDIATELY DISCONTINUE USE OF THE SERVICE AND CONSULT YOUR PHYSICIAN IF YOU EXPERIENCE ANY OF THE FOLLOWING SYMPTOMS WHILE USING THE SERVICE -- DIZZINESS, ALTERED VISION, EYE OR MUSCLE TWITCHES, LOSS OF AWARENESS, DISORIENTATION, ANY INVOLUNTARY MOVEMENT, OR CONVULSIONS.

17. Limitation of Liability
YOU EXPRESSLY UNDERSTAND AND AGREE THAT SCB  SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF SCB OFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF SCB  HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (v) ANY OTHER MATTER RELATING TO THE SERVICE.

18. Exclusions and Limitations
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF SECTIONS 16 AND 17 MAY NOT APPLY TO YOU.

19. Services Relating to Financial Matters
If you intend to create or join any service, receive or request any news, SCB ess releases, jobs, messages, alerts or other information from the Service concerning companies, stock quotes, investments or securities, please read the above Sections 16 and 17 again, as they are extremely important for you. In addition, for this type of information particularly, the phrase "Let the investor beware" is apt. The Service is provided for informational purposes only, and no Content or information included in the Service is intended for trading or investing purposes. SCB  and its licensors shall not be responsible or liable for the accuracy, usefulness or availability of any information transmitted or made available via the Service, and shall not be responsible or liable for any trading or investment decisions made based on such information.

20. No Third Party Beneficiaries
You agree that, except as otherwise expressly provided in this TOS, there shall be no third party beneficiaries to this Agreement.

21. Refund, Return Policy
You understand and agree to SCB's refund, return policy. SCB supplies all products, and services "AS-IS" and does not offer refunds, returns, or any other form of reverse purchasing, this includes charge-backs via PayPal. SCB is a subscription based membership that can be canceled manually by you the user member the payment processor presented on the SCB website.

22. Notice
SCB  may, but in no way is required to, provide you with notices, including those regarding changes to the TOS, by either email, regular mail, or postings on the Service.

23. Copyrights and Trademarks
All contents of the website SCB and the Service are Copyright © SCB and/or its suppliers, trademarks and service marks and other SCB  logos and product and service names, slogans, and design marks are trademarks or service marks of SCB. Without SCB 's prior written permission, you agree not to display or use in any manner, the SCB  trademarks.

24. General
Entire Agreement. The TOS constitute the entire agreement between you and SCB  and govern your use of the Service, superseding any prior agreements between you and SCB . You also may be subject to additional terms and conditions that may apply when you use or purchase certain other SCB  services, affiliate services, third-party content or third-party software.

Choice of Law and Forum. The TOS and the relationship between you and SCB  shall be governed by the laws of the State of Ohio without regard to its conflict of law provisions. You agree to submit to the personal and exclusive jurisdiction of the courts located within the county of Pike, Ohio.

Waiver and Severability of Terms. The failure of SCB  to exercise or enforce any right or provision of the TOS shall not constitute a waiver of such right or provision. If any provision of the TOS is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the TOS remain in full force and effect.

No Right of Survivorship and Non-Transferability. You agree that your SCB  account is non-transferable and any rights to your SCB  username and password or contents within your account terminate upon your death. Upon receipt of a copy of a death certificate, your account may be terminated and all contents therein permanently deleted.

Statute of Limitations. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the TOS must be filed within one (1) year after such claim or cause of action arose or be forever barred.

The section titles in the TOS are for convenience only and have no legal or contractual effect.