USER CONDUCT

User agrees and understands that all information, data, text, software, music, sound, photographs, graphics, video, messages or other materials ("Content"), whether publicly posted or privately transmitted, is the sole responsibility of the person or entity from which such Content originated. You, and not patRates, are entirely responsible for any and all Content that you upload, make available to another privately or publicly, post, e-mail, or otherwise transmit in connection with patRates. patRates 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 patRates, you may be exposed to Content that is offensive, indecent or objectionable. Under no circumstances does or will patRates be liable in any way for Content posted on the site by any of its users. patRates, in its sole discretion can remove Content for any reason at its sole discretion. User agrees and understands that no materials of any kind submitted through your account or otherwise posted or transmitted will violate or infringe upon the rights of any third party, including copyright, trademark, privacy, publicity or other personal or proprietary rights; or contain libelous, defamatory or otherwise unlawful material. User also agrees and understands not to use the service to harvest or collect email addresses or other contact information of other users from the service by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications; use the service in any unlawful manner or in any other manner that could damage, disable, overburden or impair; use automated scripts to collect information from or otherwise interact with the service; upload, post, transmit, share, store or otherwise make available any harmful, threatening, unlawful, defamatory, infringing, abusive, inflammatory, harassing, vulgar, obscene, fraudulent, invasive of privacy or publicity rights, hateful, or racially, ethnically or otherwise objectionable content; upload, post, transmit, share, store or otherwise make available any videos other than those of a personal nature; impersonate any person or entity, or falsely state or otherwise misrepresent yourself, your age or your affiliation with any person or entity; upload, post, transmit, share or otherwise make available any unsolicited or unauthorized advertising, solicitations, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation; upload, post, transmit, share, store or otherwise make publicly available any private information of any third party, including, addresses, phone numbers, email addresses, social security numbers and credit card numbers; solicit personal information from anyone under 18 or solicit passwords or personally identifying information for unlawful purposes; upload, post, transmit, share 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; intimidate or harass another; upload, post, transmit, share, store or otherwise make available content that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or that would otherwise create liability or violate any local, state, federal or international law(s); use or attempt to use another's account, service or system without authorization from patRates, or create a false identity on patRates; upload, post, transmit, share, store or otherwise make available content that, in the sole judgment of patRates, that is objectionable or which restricts or inhibits any other from using or enjoying patRates, or which may expose patRates, its users or third parties harm or liability of any type.

CHILD PROTECTION

NO PERSONS UNDER THE AGE OF THIRTEEN (13) YEARS OLD ARE PERMITTED TO USE patRates.

COMPLIANCE WITH ALL LOCAL, STATE, AND FEDERAL LAWS THAT MAY APPLY WHETHER DOMESTIC OR FOREIGN

User agrees to comply with all local, state and federal rules, regulations and laws, both domestic and foreign as such may appropriately apply, regarding, use, conduct and acceptable Content. The relationship between you and patRates shall be governed by the laws of the appropriate jurisdiction of the United States of America. You and patRates agree to submit to the jurisdiction of the appropriate Courts of the United States of America.

MATERIALS PROVIDED TO OR POSTED ON patRates

patRates does not claim ownership of any materials user(s) provide to patRates, post, upload, input or submit to any services or its associated services for review by the general public, or by the members of any public or private community. User is wholly responsible for any and all information posted on patRates.

USERNAME PASSWORD SECURITY

When signing up to become a member of patRates, you will choose a password. User is entirely responsible for maintaining the confidentiality of your password. User agrees not to use the account, username, or password of another member at any time or to disclose your password to any third party. User agrees to notify patRates if user suspects any unauthorized account usage or password access. User is solely responsible for all account usage. User agrees that patRates cannot and will not be liable for any loss or damage arising out of or resulting from user's failure to comply with username and password security.

DEALINGS WITH BUSINESSES

Any business dealings on or through patRates, including payment and delivery of related goods and/or services, and any other contracts, contractual terms, conditions, warranties or representations associated with such dealings, are solely between you and such business. patRates will not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings.

NO AUTOMATED WEB SITE ACCESS

User agrees not to send automated requests of any type to patRates or its users without express permission in advance from patRates.

NO COMMERCIAL EXPLOITATION

User agrees not to reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any part of patRates.

TERMINATION OF USE

patRates, in its sole discretion, may terminate all or part of your access, registration, password, account (or any part thereof) or use, and remove and discard any Content, for any reason, including, without limitation. patRates may also in its sole discretion and at any time discontinue its service, or any part thereof, with or without notice. You agree that any termination of your access to patRates be effected without prior notice, and agree that patRates may immediately deactivate or delete your account, all of your account's information and files, and bar further access to such information. Further, you agree that patRates shall not be liable to you or any third-party for any termination of your access to patRates or loss of information that may be a result thereof.

DISCLAIMER OF WARRANTIES

ALL SERVICES PROVIDED BY patRates ARE PROVIDED "AS IS" WITH NO WARRANTIES WHATSOEVER. ALL EXPRESS, IMPLIED AND STATUTORY WARRANTIES, INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, ARE EXPRESSLY DISCLAIMED. TO THE FULLEST EXTENT PERMITTED BY LAW, patRates DISCLAIMS ANY WARRANTIES FOR THE SECURITY, RELIABILITY, TIMELINESS AND PERFORMANCE OF THIS SERVICE. patRates DOES NOT WARRANT THAT THE FUNCTIONS PERFORMED BY THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT THE SITE OR THE SERVERS THAT SUPPORT IT WILL BE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF patRates IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM USE OF patRates. TO THE FULLEST EXTENT AS ALLOWABLE BY LAW, AS PERMITTED BY JURISDICTION, patRates SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES ARISING OUT OF OR IN RELATION TO YOUR USE OF patRates.

INDEMNITY

You agree to indemnify and hold harmless patRates, patRates subsidiaries, affiliates, officers, agents, partners, and employees, from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of Content made available by you, submitted by you, posted by you, or transmitted by you over the service, as well as for any other violation of any of T&C stated herein.

CHILD PROTECTION

NO PERSONS UNDER THE AGE OF THIRTEEN (13) YEARS OLD ARE PERMITTED TO USE patRates.

VIOLATIONS

Please report any known or potential violations of the T&C to our support team by using our contact us page.

PROPERTY RIGHTS

patRates.com is wholly owned by patRates Inc. USE OF patRates IS CONTINGENT UPON USER ACCEPTANCE OF ALL OF patRates T&C'S STATED HEREIN, AND SUCH THAT MAY BE AMENDED patRates T&C, as stated herein, including such terms and conditions that may be added or amended, constitute the entire agreement between you, user, and patRates, and govern your use of the service. Failure of patRates to exercise or enforce any right or provision in the T&C shall not constitute a waiver of such right or provision. If any provision of the T&C is found by a Court of competent jurisdiction to be invalid, the parties agree that such Court shall give effect to the parties' intentions as reflected in the provision, and all other provisions of the T&C will remain in full legal effect. If any of the herein terms and/or conditions are deemed to be unenforceable, all of the rest of the T&C contained herein remain binding and enforceable to the fullest extent permissible by law." patRates.com's PRIVACY POLICY patRates.com, wholly owned by myRattles, LLC (collectively hereinafter "myRattles"), shares your concerns about personal privacy. By using the Service and contacts with patRates, myRattles may collect personal information and data including, but not limited to, application and web site usage data, viewing data, file transfer and e-mail data, and personal contact information such as e-mail addresses, mailing addresses and phone numbers. Additionally, myRattles's applications and web site may use technological facilities for tagging and tracking including, but not limited to, Web cookies, login usernames and other technologies to track and correlate data. myRattles does not rent, sell, or share personal information about you with other people or nonaffiliated companies except to provide products or services you've requested or under the following circumstances: 1. We provide the information to trusted partners who work on behalf of or with myRattles. These companies may use your personal information to help myRattles communicate with you about offers from myRattles and our marketing partners. However, we do not grant these companies any independent right to share such information. 2. Information posted to public areas of myRattles, such as the Home Page and/or any other page accessible with or without a user account may be accessed by other people and/or non affiliated companies. 3. We may separately receive information about you which we make accessible to others from sources other than you, including without limitation, directories. 4. We respond to subpoenas, Court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims. 5. We believe it may be necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of myRattles's terms and conditions, or as otherwise required by law. 6. If the myRattles Service is transferred to, acquired by, or merged with another company: We will use reasonable efforts to comply with this privacy policy and will take prompt corrective action when we learn of any failure to comply with our privacy policy. myRattles does not guarantee error-free performance under this privacy policy. myRattles shall not be liable for any incidental, consequential or punitive damages relating to this privacy policy. This policy may change from time to time, and any changes are binding on you. Once you have signed up as a myRattles user, even if you later cancel your userid, any personal data previously collected remains the property of myRattles. myRattles does not guarantee the security or accuracy of personal data. Users of patRates hereby agree to all Privacy Policies and Terms.