These terms of use govern the use of www.CarbonateGroup.com, www.carbonateinsights.com,  and our other affiliated websites, applications, digital downloads and online services, (collectively, our "Websites"). Carbonate Inc. provides all information on the “Websites” exclusively under the following Terms and Conditions and all applicable laws:

1. OWNERSHIP, LICENSE & RESTRICTIONS ON USE

1.1 All right, title and interest (including all copyrights, trademarks and other intellectual property rights) in the Websites belongs to Carbonate Inc.. In addition, the names, images, pictures, logos and icons identifying Carbonate Inc.’s products and services are proprietary marks of Carbonate Inc. and/or its subsidiaries or affiliates. Except as expressly provided below, nothing contained herein shall be construed as conferring any license or right, by implication, estoppels or otherwise, under copyright, trademark or other intellectual property rights.

1.2 You are hereby granted a nonexclusive, non transferable, limited license to view the Websites, and to download and/or print insignificant portions of materials retrieved from the Websites provided (a) it is used only for informational, non-commercial purposes, and (b) you do not remove or obscure the copyright notice or other notices. Except as expressly provided above, no part of the Websites, including but not limited to materials retrieved there from and the underlying code, may be reproduced, republished, copied, transmitted, or distributed in any form or by any means, without the express written permission of Carbonate Inc.

1.3 Use, duplication, or disclosure by or for the United States Government is subject to the restrictions set forth in DFARS 252.227-7013 (c)(1)(ii) and FAR 52.227-19.

2. LINKS TO THIRD-PARTY SITES

Carbonate Inc. provides links to third-party websites for your convenience. Carbonate Inc. does not assume any responsibility for the (i) content of, (ii) technology implemented by, or (iii) privacy practices of third-party sites and all use is at your own risk. You should review the privacy policy and terms of use for each third-party site and confirm they are acceptable prior to registration on or use of the Websites. Links to third-party sites do not imply endorsement of the sites by Carbonate Inc.

3. DISCLAIMERS

3.1 THE WBSITES ARE PROVIDED ON AN "AS IS," "AS AVAILABLE" BASIS AND Carbonate Inc. EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. Carbonate Inc. DOES NOT WARRANT OR REPRESENT THAT ANY MATERIAL ON THE WEBSITES OR MATERIALS DOWNLOADED FROM ARE ACCURATE, COMPLETE, CURRENT, RELIABLE, OR ERROR-FREE.

3.2 Carbonate Inc. disclaims all responsibility for any loss, injury, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to (a) any errors in or omissions from the Websites or Materials downloaded from, including but not limited to technical inaccuracies and typographical errors, (b) any third-party websites or content therein directly or indirectly accessed through links in the Websites, including but not limited to any errors in or omissions therefrom, (c) the unavailability of the Websites or any portion thereof, (d) your use of the Websites, or (e) your use of any equipment or software in connection with the Websites.

4. LIMITATION OF LIABILITY & INDEMNIFICATION

A COVERED PARTY (AS DEFINED BELOW) SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER (INCLUDING, WITHOUT LIMITATION, ATTORNEYS' FEES AND LOST PROFITS OR SAVINGS) IN ANY WAY DUE TO, RESULTING FROM, OR ARISING IN CONNECTION WITH THE WEBSITES, INCLUDING ITS CONTENT, REGARDLESS OF ANY NEGLIGENCE OF ANY COVERED PARTY. "Covered Party" means Carbonate Inc., its affiliates, and any officer, director, employee, subcontractor, agent, successor, or assign of any of them.

You agree to indemnify, defend, and hold harmless Carbonate Inc., its affiliates, officers, directors, employees, agents, successors, and assigns, from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) that arise from or relate to your violation of these Terms of Use, your misuse of the Websites, or your violation of any rights of another party.

5. PRODUCT & SERVICE AVAILABILITY IN FOREIGN COUNTRIES

The Websites may contain references or cross references to Carbonate Inc. products and services that are not available in every country.

6. GOVERNING LAWS IN CASE OF DISPUTE; JURISDICTION

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Ohio, USA, as they apply to agreements made and solely performed therein. Disputes arising hereunder or in any way related to the Websites shall be exclusively subject to the jurisdiction of the Federal Courts of the United States of America and/or the State Courts of Ohio, and jurisdiction therefore shall rest solely in Ohio, USA.

7. CHANGES TO SITE AND THESE TERMS AND CONDITIONS

The Websites and these Terms and Conditions may be changed by Carbonate Inc. with or without notice. Please review this link on a regular basis for changes. Continued use of the Websites following any change constitutes your acceptance of the change.

8. ENTIRE AGREEMENT; SEVERABILITY

These Terms and Conditions incorporate by reference any notices contained on the Websites and constitute the entire agreement with respect to your access to and use of the Websites. If any provision of these Terms and Conditions is unlawful, void or unenforceable, then that provision shall be deemed severable from the remaining provisions and shall not affect their validity and enforceability.

9. COMMUNICATIONS

Any communication or other information sent to Carbonate Inc. via electronic mail or otherwise in connection with your use of the Websites, including but not limited to suggestions, ideas and comments, will be treated as nonconfidential and all such information may be used by Carbonate Inc. for any purpose without compensation. Disclosure shall constitute an assignment of all right, title and interest in such information to Carbonate Inc.

10. LINKS TO CARBONATE INC. WEB PAGES

Carbonate Inc. permits links to the Websites provided (a) you do not remove or obscure, by framing or otherwise, any content, including but not limited to the copyright notice and other notices, (b) you do not directly or indirectly cause any portion of the Websites to appear on a user's computer screen with any material (e.g., URL, text, graphics, pop-up window, audio or other) supplied by or associated with you or a third party, (c) you give Carbonate Inc. notice of all such links by sending an email to info@carbonategroup.com, and (d) you discontinue providing links to the Websites if notified by Carbonate Inc.

11. MESSAGE BOARD, BLOGS, & SHARING

Carbonate Inc. may, now or in the future, allow users to post, upload, transmit through, or otherwise make available on the Site (collectively, "submit") messages, receipts, text, illustrations, personal stories, reviews, illustrations, files, graphics, photos, comments, sounds, music, videos, information, content, or other materials ("User Content"). Carbonate Inc. is not responsible for User Content for any links or images embedded in the User Content, or for the results obtained by using the User Content. Carbonate Inc. does not endorse or warrant, and is not responsible for the accuracy, timeliness, completeness, or reliability of any opinion, advice, or statement contained in User Content. Under no circumstances will Carbonate Inc. be liable for any loss or damage caused by reliance on the Site, User Content or information or materials obtained through User Content.

You shall not submit any User Content that is protected by copyright, trademark, patent, trade secret, moral right, or other intellectual property, personal, contractual, or property right of a third party without the owner's express permission. You are solely liable for any damages resulting from your failure to obtain consent.

You shall not submit content that (a) violates or infringes the rights of others; (b) is unlawful, defamatory, threatening, harassing, abusive, libelous, invasive of privacy or publicity rights, vulgar, obscene, pornographic, profane, lewd, lascivious, excessively violent, or otherwise objectionable; (c) encourages criminal conduct or conduct that gives use to civil liability or otherwise violates any law; (d) advertises goods or services; (e) solicits funds; (f) contains instructions, formulas, or advice that could harm or injure; or (g) is a chain letter of any kind.

User Content, including any personally identifiable information (as name, address, telephone number or email address), submitted is accessible to other users, including people you may not know. Making this information available may result in receiving unsolicited emails or of other users sharing Your information. You should use discretion when communicating with others or disclosing personal information. Carbonate Inc. has no control over and shall have no liability for any damages resulting from the use or misuse by any third party of information that you make public by submitting it. If you choose to make personally identifiable information available, you do so at your own risk.

By submitting User Content, you automatically grant Carbonate Inc. a worldwide, royalty-free, perpetual, irrevocable, non-exclusive, fully sublicensable and transferable, right and license to use, record, sell, lease, reproduce, distribute, create derivative works, from publicly displaying or perform, transmit, publish, and otherwise exploit the User Content, in whole or part as Carbonate Inc. deems appropriate, including but not limited to, in connection with Carbonate Inc.,, or its subsidiaries' or affiliates' business.

Carbonate Inc. has the right, but not the obligation, to monitor the User Content. We reserve the right not to post any User Content, but we do not have an obligation to post, maintain, screen or otherwise use User Content. We may discontinue the ability to submit User Content in our own discretion.

The User is responsible for evaluating the accuracy, timeliness, and completeness of all content on the Site including User Content.

12. REFUNDS & RETURNS

All sales of digital downloads, online services, or other intangible products provided through the Websites are final. Due to the nature of digital content, Carbonate Inc. does not offer refunds, returns, or exchanges once a purchase has been completed and access to the content has been granted. By purchasing or accessing a digital download, you acknowledge and agree that you will not be entitled to any refund or credit.

13 Accessibility (ADA) Disclaimer

Carbonate Inc. is committed to providing an accessible digital experience for all users and strives to ensure our Websites are usable by individuals with disabilities. While we make ongoing efforts to improve accessibility, we cannot guarantee that every page will be fully compliant at all times. If you encounter any barriers to access, please contact us so we may assist you. To learn more, please review our Accessibility Statement.

14. TERMINATION OF USE

Carbonate Inc. reserves the right, in its sole discretion and without prior notice, to suspend or terminate your access to all or part of the Websites, including any accounts, services, or digital downloads, for any reason, including, without limitation, any violation of these Terms of Use. Upon termination, any rights granted to you under these Terms will immediately cease, and Carbonate Inc. may revoke your access to any digital content or materials you previously obtained if such access was conditioned on compliance with these Terms. Termination does not entitle you to a refund of any fees paid, including fees for digital downloads or services. All provisions of these Terms of Use which by their nature should survive termination shall survive, including but not limited to intellectual property rights, disclaimers, limitations of liability, and indemnification.

15. IF YOU DO NOT AGREE ...

IF THESE TERMS AND CONDITIONS ARE NOT ACCEPTABLE IN FULL, YOU MUST IMMEDIATELY TERMINATE YOUR USE OF THE WEBSITES.