Term and Conditions

WEBSITE TERMS AND CONDITIONS:

Last updated [July, 2020]

AGREEMENT TO TERMS:

These Terms and Conditions constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and [Faith Over Fear Economic

Empowerment Inc.] (“we,” “us” or “our”), concerning your access to and use of the

[www.faithoverfeareei.org] website as well as any other media form, media channel,

mobile website or mobile application related, linked, or otherwise connected thereto

(collectively, the “www.faithoverfearee.org”).

You agree that by accessing the Site, you have read, understood, and agree to be

bound by all of these Terms and Conditions. If you do not agree with all of these Terms

and Conditions, then you are expressly prohibited from using the Site and you must

discontinue use immediately.

Supplemental terms and conditions or documents that may be posted on the Site from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Terms and

Conditions at any time and for any reason.

We will alert you about any changes by updating the “Last updated” date of these

Terms and Conditions, and you waive any right to receive specific notice of each such

change.

It is your responsibility to periodically review these Terms and Conditions to stay

informed of updates. You will be subject to, and will be deemed to have been made

aware of and to have accepted, the changes in any revised Terms and Conditions by

your continued use of the Site after the date such revised Terms and Conditions are

posted.

The information provided on the Site is not intended for distribution to or use by any

person or entity in any jurisdiction or country where such distribution or use would be

contrary to law or regulation or which would subject us to any registration requirement

within such jurisdiction or country.

Accordingly, those persons who choose to access the Site from other locations do so on

their own initiative and are solely responsible for compliance with local laws, if and to

the extent local laws are applicable.

These terms and conditions were generated by Termly’s Terms and Conditions

Option 1: The Site is intended for users who are at least 18 years old. Persons under

the age of 18 are not permitted to register for the Site.

Option 2: [The Site is intended for users who are at least 13 years of age.] All users who

are minors in the jurisdiction in which they reside (generally under the age of 18) must

have the permission of, and be directly supervised by, their parent or guardian to use the Site. If you are a minor, you must have your parent or guardian read and agree to these Terms and Conditions prior to you using the Site.

INTELLECTUAL PROPERTY RIGHTS

Unless otherwise indicated, the Site is our proprietary property and all source code,

databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or controlled by us or licensed to us,

and are protected by copyright and trademark laws and various other intellectual

property rights and unfair competition laws of the United States, foreign jurisdictions,

and international conventions.

The Content and the Marks are provided on the Site “AS IS” for your information and

personal use only. Except as expressly provided in these Terms and Conditions, no part of the Site and no Content or Marks may be copied, reproduced, aggregated,

republished, uploaded, posted, publicly displayed, encoded, translated, transmitted,

distributed, sold, licensed, or otherwise exploited for any commercial purpose

whatsoever, without our express prior written permission.

Provided that you are eligible to use the Site, you are granted a limited license to

access and use the Site and to download or print a copy of any portion of the Content to

which you have properly gained access solely for your personal, non-commercial use.

We reserve all rights not expressly granted to you in and to the Site, the Content and

the Marks.

USER REPRESENTATIONS

By using the Site, you represent and warrant that:

[(1) all registration information you submit will be true, accurate, current, and complete;

(2) you will maintain the accuracy of such information and promptly update such

registration information as necessary;]

(3) you have the legal capacity and you agree to comply with these Terms and

Conditions;

[(4) you are not under the age of 13;]

(5) not a minor in the jurisdiction in which you reside[, or if a minor, you have received

parental permission to use the Site];

(6) you will not access the Site through automated or non-human means, whether

through a bot, script, or otherwise;

(7) you will not use the Site for any illegal or unauthorized purpose;

(8) your use of the Site will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we

have the right to suspend or terminate your account and refuse any and all current or

future use of the Site (or any portion thereof).

USER REGISTRATION :

You may be required to register with the Site. You agree to keep your password

confidential and will be responsible for all use of your account and password. We

reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

PROHIBITED ACTIVITIES:

You may not access or use the Site for any purpose other than that for which we make

the Site available. The Site may not be used in connection with any commercial

endeavors except those that are specifically endorsed or approved by us.

As a user of the Site, you agree not to:

1. systematically retrieve data or other content from the Site to create or compile,

directly or indirectly, a collection, compilation, database, or directory without written permission from us.

2. make any unauthorized use of the Site, including collecting usernames and/or

email addresses of users by electronic or other means for the purpose of sending

unsolicited email, or creating user accounts by automated means or under false

pretenses.

3. use a buying agent or purchasing agent to make purchases on the Site.

4. use the Site to advertise or offer to sell goods and services.

5. circumvent, disable, or otherwise interfere with security-related features of the Site,

including features that prevent or restrict the use or copying of any Content or

enforce limitations on the use of the Site and/or the Content contained therein.

6. engage in unauthorized framing of or linking to the Site.

7. trick, defraud, or mislead us and other users, especially in any attempt to learn

sensitive account information such as user passwords;

8. make improper use of our support services or submit false reports of abuse or

misconduct.

9. engage in any automated use of the system, such as using scripts to send

comments or messages, or using any data mining, robots, or similar data

gathering and extraction tools.

10. interfere with, disrupt, or create an undue burden on the Site or the networks or

services connected to the Site.

11. attempt to impersonate another user or person or use the username of another

user.

12. sell or otherwise transfer your profile.

13. use any information obtained from the Site in order to harass, abuse, or harm

another person.

14. use the Site as part of any effort to compete with us or otherwise use the Site

and/or the Content for any revenue-generating endeavor or commercial enterprise.

15. decipher, decompile, disassemble, or reverse engineer any of the software

comprising or in any way making up a part of the Site.

16. attempt to bypass any measures of the Site designed to prevent or restrict access

to the Site, or any portion of the Site.

17. harass, annoy, intimidate, or threaten any of our employees or agents engaged in

providing any portion of the Site to you.

18. delete the copyright or other proprietary rights notice from any Content.

19. copy or adapt the Site’s software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.

20. upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or

other material, including excessive use of capital letters and spamming

(continuous posting of repetitive text), that interferes with any party’s uninterrupted

use and enjoyment of the Site or modifies, impairs, disrupts, alters, or interferes

with the use, features, functions, operation, or maintenance of the Site.

21. upload or transmit (or attempt to upload or to transmit) any material that acts as a

passive or active information collection or transmission mechanism, including

without limitation, clear graphics interchange formats (“gifs”), 1×1 pixels, web

bugs, cookies, or other similar devices (sometimes referred to as “spyware” or

“passive collection mechanisms” or “pcms”).

22. except as may be the result of standard search engine or Internet browser usage,

use, launch, develop, or distribute any automated system, including without

limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses

the Site, or using or launching any unauthorized script or other software.

23. disparage, tarnish, or otherwise harm, in our opinion, us and/or the Site.

24. use the Site in a manner inconsistent with any applicable laws or regulations.

25. [other]

USER GENERATED CONTRIBUTIONS

The Site may invite you to chat, contribute to, or participate in blogs, message boards,

online forums, and other functionality, and may provide you with the opportunity to

create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Site, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, "Contributions").

Contributions may be viewable by other users of the Site and through third-party

websites. As such, any Contributions you transmit may be treated as non-confidential

and non-proprietary. When you create or make available any Contributions, you thereby represent and warrant that:

1. the creation, distribution, transmission, public display, or performance, and the

accessing, downloading, or copying of your Contributions do not and will not

infringe the proprietary rights, including but not limited to the copyright, patent,

trademark, trade secret, or moral rights of any third party.

2. you are the creator and owner of or have the necessary licenses, rights, consents,

releases, and permissions to use and to authorize us, the Site, and other users of

the Site to use your Contributions in any manner contemplated by the Site and

these Terms and Conditions.

3. you have the written consent, release, and/or permission of each and every

identifiable individual person in your Contributions to use the name or likeness of

each and every such identifiable individual person to enable inclusion and use of

your Contributions in any manner contemplated by the Site and these Terms and Conditions.

4. your Contributions are not false, inaccurate, or misleading.

5. your Contributions are not unsolicited or unauthorized advertising, promotional

materials, pyramid schemes, chain letters, spam, mass mailings, or other forms of

solicitation.

6. your Contributions are not obscene, lewd, lascivious, filthy, violent, harassing,

libelous, slanderous, or otherwise objectionable (as determined by us).

7. your Contributions do not ridicule, mock, disparage, intimidate, or abuse anyone.

8. your Contributions do not advocate the violent overthrow of any government or

incite, encourage, or threaten physical harm against another.

9. your Contributions do not violate any applicable law, regulation, or rule.

10. your Contributions do not violate the privacy or publicity rights of any third party.

11. your Contributions do not contain any material that solicits personal information

from anyone under the age of 18 or exploits people under the age of 18 in a sexual

or violent manner.

12. your Contributions do not violate any federal or state law concerning child

pornography, or otherwise intended to protect the health or well-being of minors;

13. your Contributions do not include any offensive comments that are connected to

race, national origin, gender, sexual preference, or physical handicap.

14. your Contributions do not otherwise violate, or link to material that violates, any

provision of these Terms and Conditions, or any applicable law or regulation.

Any use of the Site in violation of the foregoing violates these Terms and Conditions and may result in, among other things, termination or suspension of your rights to use the Site.

CONTRIBUTION LICENSE:

By posting your Contributions to any part of the Site [or making Contributions accessible

to the Site by linking your account from the Site to any of your social networking

accounts], you automatically grant, and you represent and warrant that you have the

right to grant, to us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive,

transferable, royalty-free, fully-paid, worldwide right, and license to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle, archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt (in whole or in part), and distribute such Contributions (including, without limitation, your image and voice) for any purpose, commercial, advertising, or otherwise, and to prepare derivative works of, or incorporate into other works, such Contributions, and grant and authorize sublicenses of the foregoing. The use and distribution may occur in any media formats and through any media channels.

This license will apply to any form, media, or technology now known or hereafter

developed, and includes our use of your name, company name, and franchise name, as applicable, and any of the trademarks, service marks, trade names, logos, and personal and commercial images you provide. You waive all moral rights in your Contributions, and you warrant that moral rights have not otherwise been asserted in your Contributions.

We do not assert any ownership over your Contributions. You retain full ownership of all

of your Contributions and any intellectual property rights or other proprietary rights

associated with your Contributions. We are not liable for any statements or

representations in your Contributions provided by you in any area on the Site.

You are solely responsible for your Contributions to the Site and you expressly agree to exonerate us from any and all responsibility and to refrain from any legal action against us regarding your Contributions.

We have the right, in our sole and absolute discretion, (1) to edit, redact, or otherwise

change any Contributions; (2) to re-categorize any Contributions to place them in more appropriate locations on the Site; and (3) to pre-screen or delete any Contributions at any time and for any reason, without notice. We have no obligation to monitor your Contributions.

GUIDELINES FOR REVIEWS :

We may provide you areas on the Site to leave reviews or ratings. When posting a

review, you must comply with the following criteria:

(1) you should have firsthand experience with the person/entity being reviewed;

(2) your reviews should not contain offensive profanity, or abusive, racist, offensive, or

hate language;

(3) your reviews should not contain discriminatory references based on religion, race, gender, national origin, age, marital status, sexual orientation, or disability;

(4) your reviews should not contain references to illegal activity;

(5) you should not be affiliated with competitors if posting negative reviews;

(6) you should not make any conclusions as to the legality of conduct;

(7) you may not post any false or misleading statements;

(8) you may not organize a campaign encouraging others to post reviews, whether

positive or negative.

We may accept, reject, or remove reviews in our sole discretion. We have absolutely no

obligation to screen reviews or to delete reviews, even if anyone considers reviews

objectionable or inaccurate. Reviews are not endorsed by us, and do not necessarily

represent our opinions or the views of any of our affiliates or partners.

We do not assume liability for any review or for any claims, liabilities, or losses resulting

from any review. By posting a review, you hereby grant to us a perpetual, non-

exclusive, worldwide, royalty-free, fully-paid, assignable, and sublicensable right and

license to reproduce, modify, translate, transmit by any means, display, perform, and/or distribute all content relating to reviews.

MOBILE APPLICATION LICENSE :

Use License If you access the Site via a mobile application, then we grant you a revocable, non- exclusive, non-transferable, limited right to install and use the mobile application on wireless electronic devices owned or controlled by you, and to access and use the mobile application on such devices strictly in accordance with the terms and conditions of this mobile application license contained in these Terms and Conditions.

You shall not:

(1) decompile, reverse engineer, disassemble, attempt to derive the source code of, or decrypt the application;

(2) make any modification, adaptation, improvement, enhancement, translation, or

derivative work from the application;

(3) violate any applicable laws, rules, or regulations in connection with your access or

use of the application;

(4) remove, alter, or obscure any proprietary notice (including any notice of copyright or

trademark) posted by us or the licensors of the application;

(5) use the application for any revenue generating endeavor, commercial enterprise, or other purpose for which it is not designed or intended;

(6) make the application available over a network or other environment permitting

access or use by multiple devices or users at the same time;

(7) use the application for creating a product, service, or software that is, directly or

indirectly, competitive with or in any way a substitute for the application;

(8) use the application to send automated queries to any website or to send any

unsolicited commercial e-mail;

(9) use any proprietary information or any of our interfaces or our other intellectual

property in the design, development, manufacture, licensing, or distribution of any

applications, accessories, or devices for use with the application.

Apple and Android Devices

The following terms apply when you use a mobile application obtained from either the

Apple Store or Google Play (each an “App Distributor”) to access the Site:

(1) the license granted to you for our mobile application is limited to a non-transferable

license to use the application on a device that utilizes the Apple iOS or Android

operating systems, as applicable, and in accordance with the usage rules set forth in

the applicable App Distributor’s terms of service;

(2) we are responsible for providing any maintenance and support services with respect to the mobile application as specified in the terms and conditions of this mobile

application license contained in these Terms and Conditions or as otherwise required

under applicable law, and you acknowledge that each App Distributor has no obligation

whatsoever to furnish any maintenance and support services with respect to the mobile

application;

(3) in the event of any failure of the mobile application to conform to any applicable

warranty, you may notify the applicable App Distributor, and the App Distributor, in

accordance with its terms and policies, may refund the purchase price, if any, paid for

the mobile application, and to the maximum extent permitted by applicable law, the App

Distributor will have no other warranty obligation whatsoever with respect to the mobile application;

(4) you represent and warrant that (i) you are not located in a country that is subject to a

U.S. government embargo, or that has been designated by the U.S. government as a

“terrorist supporting” country and (ii) you are not listed on any U.S. government list of

prohibited or restricted parties;

(5) you must comply with applicable third-party terms of agreement when using the

mobile application, e.g., if you have a VoIP application, then you must not be in violation

of their wireless data service agreement when using the mobile application;

6) you acknowledge and agree that the App Distributors are third-party beneficiaries of

the terms and conditions in this mobile application license contained in these Terms and

Conditions, and that each App Distributor will have the right (and will be deemed to

have accepted the right) to enforce the terms and conditions in this mobile application

license contained in these Terms and Conditions against you as a third-party

beneficiary thereof.

SOCIAL MEDIA

As part of the functionality of the Site, you may link your account with online accounts

you have with third-party service providers (each such account, a “Third-Party Account”)

by either:

(1) providing your Third-Party Account login information through the Site; or

(2) allowing us to access your Third-Party Account, as is permitted under the applicable terms and conditions that govern your use of each Third-Party Account.

You represent and warrant that you are entitled to disclose your Third-Party Account

breach by you of any of the terms and conditions that govern your use of the applicable

Third-Party Account, and without obligating us to pay any fees or making us subject to

any usage limitations imposed by the third-party service provider of the Third-Party

Account.

By granting us access to any Third-Party Accounts, you understand that (1) we may

access, make available, and store (if applicable) any content that you have provided to and stored in your Third-Party Account (the “Social Network Content”) so that it is available on and through the Site via your account, including without limitation any friend lists and (2) we may submit to and receive from your Third-Party Account

additional information to the extent you are notified when you link your account with the

Third-Party Account.

Depending on the Third-Party Accounts you choose and subject to the privacy settings

that you have set in such Third-Party Accounts, personally identifiable information that

you post to your Third-Party Accounts may be available on and through your account on

the Site.

Please note that if a Third-Party Account or associated service becomes unavailable or

our access to such Third-Party Account is terminated by the third-party service provider,

then Social Network Content may no longer be available on and through the Site. You

will have the ability to disable the connection between your account on the Site and your

Third-Party Accounts at any time.

PLEASE NOTE THAT YOUR RELATIONSHIP WITH THE THIRD-PARTY SERVICE

PROVIDERS ASSOCIATED WITH YOUR THIRD-PARTY ACCOUNTS IS GOVERNED

SOLELY BY YOUR AGREEMENT(S) WITH SUCH THIRD-PARTY SERVICE

PROVIDERS.

We make no effort to review any Social Network Content for any purpose, including but not limited to, for accuracy, legality, or non-infringement, and we are not responsible for any Social Network Content.

You acknowledge and agree that we may access your email address book associated

with a Third-Party Account and your contacts list stored on your mobile device or tablet

computer solely for purposes of identifying and informing you of those contacts who

have also registered to use the Site.

You can deactivate the connection between the Site and your Third-Party Account by

contacting us using the contact information below or through your account settings (if

applicable). We will attempt to delete any information stored on our servers that was

obtained through such Third-Party Account, except the username and profile picture

that become associated with your account.

SUBMISSIONS

You acknowledge and agree that any questions, comments, suggestions, ideas,

feedback, or other information regarding the Site ("Submissions") provided by you to us

are non-confidential and shall become our sole property. We shall own exclusive rights,

including all intellectual property rights, and shall be entitled to the unrestricted use and

dissemination of these Submissions for any lawful purpose, commercial or otherwise,

without acknowledgment or compensation to you.

You hereby waive all moral rights to any such Submissions, and you hereby warrant

that any such Submissions are original with you or that you have the right to submit

such Submissions. You agree there shall be no recourse against us for any alleged or

actual infringement or misappropriation of any proprietary right in your Submissions.

THIRD-PARTY WEBSITES AND CONTENT

The Site may contain (or you may be sent via the Site) links to other websites ("Third-

Party Websites") as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties ("Third-Party Content").

Such Third-Party Websites and Third-Party Content are not investigated, monitored, or

checked for accuracy, appropriateness, or completeness by us, and we are not

responsible for any Third-Party Websites accessed through the Site or any Third-Party

Content posted on, available through, or installed from the Site, including the content,

accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or

contained in the Third-Party Websites or the Third-Party Content.

Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites

or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Site and access the Third-Party Websites or to use or install any

Third-Party Content, you do so at your own risk, and you should be aware these Terms

and Conditions no longer govern.

You should review the applicable terms and policies, including privacy and data

gathering practices, of any website to which you navigate from the Site or relating to any

applications you use or install from the Site. Any purchases you make through Third-

Party Websites will be through other websites and from other companies, and we take

no responsibility whatsoever in relation to such purchases which are exclusively

between you and the applicable third party.

You agree and acknowledge that we do not endorse the products or services offered on

Third-Party Websites and you shall hold us harmless from any harm caused by your

purchase of such products or services.

Additionally, you shall hold us harmless from

any losses sustained by you or harm caused to you relating to or resulting in any way

from any Third-Party Content or any contact with Third-Party Websites.

ADVERTISERS

We allow advertisers to display their advertisements and other information in certain areas of the Site, such as sidebar advertisements or banner advertisements. If you are an advertiser, you shall take full responsibility for any advertisements you place on the Site and any services provided on the Site or products sold through those

advertisements.

Further, as an advertiser, you warrant and represent that you possess all rights and

authority to place advertisements on the Site, including, but not limited to, intellectual

property rights, publicity rights, and contractual rights.

[As an advertiser, you agree that such advertisements are subject to our Digital

Millennium Copyright Act (“DMCA”) Notice and Policy provisions as described below,

and you understand and agree there will be no refund or other compensation for DMCA

takedown-related issues.] We simply provide the space to place such advertisements,

and we have no other relationship with advertisers.

SITE MANAGEMENT

We reserve the right, but not the obligation, to:

(1) monitor the Site for violations of these Terms and Conditions;

(2) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms and Conditions, including without limitation, reporting such user to law enforcement authorities;

(3) in our sole discretion and without limitation, refuse, restrict access to, limit the

availability of, or disable (to the extent technologically feasible) any of your

Contributions or any portion thereof;

(4) in our sole discretion and without limitation, notice, or liability, to remove from the Site or otherwise disable all files and content that are excessive in size or are in any way burdensome to our systems;

(5) otherwise manage the Site in a manner designed to protect our rights and property

and to facilitate the proper functioning of the Site.

We care about data privacy and security. Please review our Privacy Policy [CLICK

HERE]/posted on the Site]. By using the Site, you agree to be bound by our Privacy

Policy, which is incorporated into these Terms and Conditions. Please be advised the

Site is hosted in the United States.

If you access the Site from the European Union, Asia, or any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Site, you are transferring your data to the United States, and you expressly consent to have your data transferred to and processed in the United States.

[Further, we do not knowingly accept, request, or solicit information from children or

knowingly market to children. Therefore, in accordance with the U.S. Children’s Online

Privacy Protection Act, if we receive actual knowledge that anyone under the age of 13

has provided personal information to us without the requisite and verifiable parental

consent, we will delete that information from the Site as quickly as is reasonably

practical.]

DIGITAL MILLENNIUM COPYRIGHT ACT (DMCA) NOTICE

AND POLICY

Notifications

We respect the intellectual property rights of others. If you believe that any material

available on or through the Site infringes upon any copyright you own or control, please immediately notify our Designated Copyright Agent using the contact information provided below (a “Notification”).

A copy of your Notification will be sent to the person who posted or stored the material

addressed in the Notification. Please be advised that pursuant to federal law you may be held liable for damages if you make material misrepresentations in a Notification.

Thus, if you are not sure that material located on or linked to by the Site infringes your

All Notifications should meet the requirements of DMCA 17 U.S.C. § 512(c)(3) and

include the following information:

(1) A physical or electronic signature of a person authorized to act on behalf of the

owner of an exclusive right that is allegedly infringed;

(2) identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works on the Site are covered by the Notification, a representative list of such works on the Site;

(3) identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;

(4) information reasonably sufficient to permit us to contact the complaining party, such

as an address, telephone number, and, if available, an email address at which the

complaining party may be contacted;

(5) a statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law;

(6) a statement that the information in the notification is accurate, and under penalty of

perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed upon.

Counter Notification

If you believe your own copyrighted material has been removed from the Site as a result

of a mistake or misidentification, you may submit a written counter notification to [us/our Designated Copyright Agent] using the contact information provided below (a “Counter Notification”).

To be an effective Counter Notification under the DMCA, your Counter Notification must

include substantially the following:

(1) identification of the material that has been removed or disabled and the location at

which the material appeared before it was removed or disabled;

(2) a statement that you consent to the jurisdiction of the Federal District Court in which your address is located, or if your address is outside the United States, for any judicial district in which we are located;

(3) a statement that you will accept service of process from the party that filed the

Notification or the party's agent;

(4) your name, address, and telephone number;

(5) a statement under penalty of perjury that you have a good faith belief that the

material in question was removed or disabled as a result of a mistake or

misidentification of the material to be removed or disabled;

(6) your physical or electronic signature.

If you send us a valid, written Counter Notification meeting the requirements described above, we will restore your removed or disabled material, unless we first receive notice from the party filing the Notification informing us that such party has filed a court action to restrain you from engaging in infringing activity related to the material in question.

Please note that if you materially misrepresent that the disabled or removed content

was removed by mistake or misidentification, you may be liable for damages, including

costs and attorney's fees. Filing a false Counter Notification constitutes perjury.

We respect the intellectual property rights of others. If you believe that any material

available on or through the Site infringes upon any copyright you own or control, please immediately notify us using the contact information provided below (a “Notification”). A copy of your Notification will be sent to the person who posted or stored the material addressed in the Notification.

Please be advised that pursuant to federal law you may be held liable for damages if

you make material misrepresentations in a Notification. Thus, if you are not sure that

material located on or linked to by the Site infringes your copyright, you should consider

first contacting an attorney.]

TERM AND TERMINATION

These Terms and Conditions shall remain in full force and effect while you use the Site.

WITHOUT LIMITING ANY OTHER PROVISION OF THESE TERMS AND

CONDITIONS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND

WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SITE

(INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY

REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH

OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE

TERMS AND CONDITIONS OR OF ANY APPLICABLE LAW OR REGULATION. WE

MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SITE OR DELETE [YOUR

ACCOUNT AND] ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY

TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.

If we terminate or suspend your account for any reason, you are prohibited from

registering and creating a new account under your name, a fake or borrowed name, or

the name of any third party, even if you may be acting on behalf of the third party.

In addition to terminating or suspending your account, we reserve the right to take

appropriate legal action, including without limitation pursuing civil, criminal, and

injunctive redress.

MODIFICATIONS AND INTERRUPTIONS

We reserve the right to change, modify, or remove the contents of the Site at any time

or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Site. We also reserve the right to modify or discontinue all or part of the Site without notice at any time.

We will not be liable to you or any third party for any modification, price change,

suspension, or discontinuance of the Site.

We cannot guarantee the Site will be available at all times. We may experience

hardware, software, or other problems or need to perform maintenance related to the

Site, resulting in interruptions, delays, or errors.

We reserve the right to change, revise, update, suspend, discontinue, or otherwise

modify the Site at any time or for any reason without notice to you. You agree that we

have no liability whatsoever for any loss, damage, or inconvenience caused by your

inability to access or use the Site during any downtime or discontinuance of the Site.

Nothing in these Terms and Conditions will be construed to obligate us to maintain and

support the Site or to supply any corrections, updates, or releases in connection

therewith.

GOVERNING LAW

These Terms and Conditions and your use of the Site are governed by and construed in

accordance with the laws of the State of [Maryland] applicable to agreements made and to be entirely performed within the State/Commonwealth of [Maryland], without regard to its conflict of law principles.

DISPUTE RESOLUTION

Option 1: Any legal action of whatever nature brought by either you or us (collectively, the “Parties” and individually, a “Party”) shall be commenced or prosecuted in the state and federal courts located in [Wicomico] County, [Maryland], and the Parties hereby consent to, and waive all defenses of lack of personal jurisdiction and forum non conveniens with respect to venue and jurisdiction in such state and federal courts.

Application of the United Nations Convention on Contracts for the International Sale of

Goods and the Uniform Computer Information Transaction Act (UCITA) are excluded from these Terms and Conditions. In no event shall any claim, action, or proceeding brought by either Party related in any way to the Site be commenced more than __1____ years after the cause of action arose.

Option 2: Informal Negotiations

To expedite resolution and control the cost of any dispute, controversy, or claim related

to these Terms and Conditions (each a "Dispute" and collectively, the “Disputes”)

brought by either you or us (individually, a “Party” and collectively, the “Parties”), the

Parties agree to first attempt to negotiate any Dispute (except those Disputes expressly

provided below) informally for at least ___10___ days before initiating arbitration. Such

informal negotiations commence upon written notice from one Party to the other Party.

Binding Arbitration

If the Parties are unable to resolve a Dispute through informal negotiations, the Dispute

(except those Disputes expressly excluded below) will be finally and exclusively

resolved by binding arbitration.

YOU UNDERSTAND THAT WITHOUT THIS

PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A

JURY TRIAL.

The arbitration shall be commenced and conducted under the Commercial Arbitration

Rules of the American Arbitration Association ("AAA") and, where appropriate, the

AAA’s Supplementary Procedures for Consumer Related Disputes ("AAA Consumer

Rules"), both of which are available at the AAA website www.adr.org.

Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA Consumer Rules and, where appropriate, limited by the AAA Consumer Rules. [If such costs are determined to by the arbitrator to be excessive, we will pay all

arbitration fees and expenses.]

The arbitration may be conducted in person, through the submission of documents, by

phone, or online. The arbitrator will make a decision in writing, but need not provide a

statement of reasons unless requested by either Party.

The arbitrator must follow applicable law, and any award may be challenged if the

arbitrator fails to do so. Except where otherwise required by the applicable AAA rules or applicable law, the arbitration will take place in Wicomico County, Maryland.

Except as otherwise provided herein, the Parties may litigate in court to compel

arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.

If for any reason, a Dispute proceeds in court rather than arbitration, the Dispute shall

be commenced or prosecuted in the state and federal courts located in [Wicomico]

County, [Maryland], and the Parties hereby consent to, and waive all defenses of lack of

personal jurisdiction, and forum non conveniens with respect to venue and jurisdiction in such state and federal courts.

Application of the United Nations Convention on Contracts for the International Sale of

Goods and the the Uniform Computer Information Transaction Act (UCITA) are

excluded from these Terms and Conditions.

In no event shall any Dispute brought by either Party related in any way to the Site be

commenced more than __1___ years after the cause of action arose. If this provision is

found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.

Option 3: Binding Arbitration

To expedite resolution and control the cost of any dispute, controversy or claim related

to these Terms and Conditions (each a "Dispute" and collectively, “Disputes”), any

Dispute brought by either you or us (individually, a “Party” and collectively, the “Parties”) shall be finally and exclusively resolved by binding arbitration.

YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE

RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL.

The arbitration shall be

commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association ("AAA") and, where appropriate, the AAA’s Supplementary Procedures for Consumer Related Disputes ("AAA Consumer Rules"), both of which are available at the AAA website www.adr.org.

Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA Consumer Rules and, where appropriate, limited by the AAA Consumer Rules.

[If such costs are determined to by the arbitrator to be excessive, we will pay all

arbitration fees and expenses.]

The arbitration may be conducted in person, through the submission of documents, by

phone, or online. The arbitrator will make a decision in writing, but need not provide a

statement of reasons unless requested by either Party. The arbitrator must follow

applicable law, and any award may be challenged if the arbitrator fails to do so.

Except where otherwise required by the applicable AAA rules or applicable law, the

arbitration will take place in [Wicomic County, [Maryland]. Except as otherwise provided herein, the Parties may litigate in court to compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.

If for any reason, a Dispute proceeds in court rather than arbitration, the Dispute shall

be commenced or prosecuted in the state and federal courts located in [Wicomico]

County, [Maryland], and the Parties hereby consent to, and waive all defenses of lack

of, personal jurisdiction, and forum non conveniens with respect to venue and

jurisdiction in such state and federal courts.

Application of the United Nations Convention on Contracts for the International Sale of

Goods and the Uniform Computer Information Transaction Act (UCITA) are excluded from these Terms and Conditions. In no event shall any Dispute brought by either Party related in any way to the Site or Services be commenced more than ___1___ years after the cause of action arose.

If this provision is found to be illegal or unenforceable, then neither Party will elect to

arbitrate any Dispute falling within that portion of this provision found to be illegal or

unenforceable and such Dispute shall be decided by a court of competent jurisdiction

within the courts listed for jurisdiction above, and the Parties agree to submit to the

personal jurisdiction of that court.

Option 2/Option 3: Restrictions

The Parties agree that any arbitration shall be limited to the Dispute between the Parties

individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or

authority for any Dispute to be brought in a purported representative capacity on behalf

of the general public or any other persons.

Option 2/Option 3: Exceptions to [Informal Negotiations and] Arbitration The Parties agree that the following Disputes are not subject to the above provisions

concerning [informal negotiations and] binding arbitration: (a) any Disputes seeking to enforce or protect, or concerning the validity of, any of the intellectual property rights of a Party; (b) any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief.

If this provision is found to be illegal or unenforceable, then neither Party will elect to

arbitrate any Dispute falling within that portion of this provision found to be illegal or

unenforceable and such Dispute shall be decided by a court of competent jurisdiction

within the courts listed for jurisdiction above, and the Parties agree to submit to the

personal jurisdiction of that court.

CORRECTIONS

There may be information on the Site that contains typographical errors, inaccuracies,

or omissions that may relate to the Site, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Site at any time, without prior notice.

DISCLAIMER

THE SITE IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE

THAT YOUR USE OF THE SITE AND OUR SERVICES WILL BE AT YOUR SOLE

RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL

WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND

YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED

WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,

AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS

ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE’S CONTENT OR THE

CONTENT OF ANY WEBSITES LINKED TO THE SITE AND WE WILL ASSUME NO

LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR

INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR

PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR

ACCESS TO AND USE OF THE SITE, (3) ANY UNAUTHORIZED ACCESS TO OR

USE OF OUR SECURE SERVERS AND/OR ANY AND ALL PERSONAL

INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY

INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SITE, (5)

ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE

TRANSMITTED TO OR THROUGH THE SITE BY ANY THIRD PARTY, AND/OR (6)

ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY

LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY

CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE

SITE. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME

RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED

BY A THIRD PARTY THROUGH THE SITE, ANY HYPERLINKED WEBSITE, OR ANY

WEBSITE OR MOBILE APPLICATION FEATURED IN ANY BANNER OR OTHER

ADVERTISING, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY BE

RESPONSIBLE FOR MONITORING ANY TRANSACTION BETWEEN YOU AND ANY

THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES.

AS WITH THE PURCHASE OF A PRODUCT OR SERVICE THROUGH ANY MEDIUM

OR IN ANY ENVIRONMENT, YOU SHOULD USE YOUR BEST JUDGMENT AND

EXERCISE CAUTION WHERE APPROPRIATE.

LIMITATIONS OF LIABILITY

IN NO EVENT WILL WE OR OUR DIRECTORS, OR AGENTS BE LIABLE TO YOU OR

ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL,

EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST

PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM

YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE

POSSIBILITY OF SUCH DAMAGES.

[NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR

LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE

FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO [THE LESSER OF]

[THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE [_________] MONTH

PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING [OR] [$_________]. CERTAIN

STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE

EXCLUSION OR LIMITATION OF CERTAIN DAMAGES.

IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS

OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL

RIGHTS.]

INDEMNIFICATION

You agree to defend, indemnify, and hold us harmless, including our subsidiaries,

affiliates, and all of our respective officers, agents, partners, and employees, from and

against any loss, damage, liability, claim, or demand, including reasonable attorneys’

fees and expenses, made by any third party due to or arising out of: (1) [your

Contributions]; (2) use of the Site; (3) breach of these Terms and Conditions; (4) any

breach of your representations and warranties set forth in these Terms and Conditions;

(5) your violation of the rights of a third party, including but not limited to intellectual

property rights; or (6) any overt harmful act toward any other user of the Site with whom

you connected via the Site.

Notwithstanding the foregoing, we reserve the right, at your expense, to assume the

exclusive defense and control of any matter for which you are required to indemnify us,

and you agree to cooperate, at your expense, with our defense of such claims.

We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

USER DATA

We will maintain certain data that you transmit to the Site for the purpose of managing the Site, as well as data relating to your use of the Site. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Site.

You agree that we shall have no liability to you for any loss or corruption of any such

data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND

SIGNATURES

Visiting the Site, sending us emails, and completing online forms constitute electronic

communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you

electronically, via email and on the Site, satisfy any legal requirement that such

communication be in writing.

YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS,

ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES,

POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SITE.

You hereby waive any rights or requirements under any statutes, regulations, rules,

ordinances, or other laws in any jurisdiction which require an original signature or

delivery or retention of non-electronic records, or to payments or the granting of credits

by any means other than electronic means.

CALIFORNIA USERS AND RESIDENTS

If any complaint with us is not satisfactorily resolved, you can contact the Complaint

Assistance Unit of the Division of Consumer Services of the California Department of

Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento,

California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.

MISCELLANEOUS

These Terms and Conditions and any policies or operating rules posted by us on the

Site constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Terms and Conditions shall not operate as a waiver of such right or provision.

These Terms and Conditions operate to the fullest extent permissible by law. We may

assign any or all of our rights and obligations to others at any time. We shall not be

responsible or liable for any loss, damage, delay, or failure to act caused by any cause

beyond our reasonable control.

If any provision or part of a provision of these Terms and Conditions is determined to be

unlawful, void, or unenforceable, that provision or part of the provision is deemed

severable from these Terms and Conditions and does not affect the validity and

enforceability of any remaining provisions.

There is no joint venture, partnership, employment or agency relationship created

between you and us as a result of these Terms and Conditions or use of the Site. You

agree that these Terms and Conditions will not be construed against us by virtue of

having drafted them.

You hereby waive any and all defenses you may have based on the electronic form of

these Terms and Conditions and the lack of signing by the parties hereto to execute

these Terms and Conditions.

In order to resolve a complaint regarding the Site or to receive further information

regarding use of the Site, please contact us at:

Faith Over Fear Economic Empowerment Inc.

P.O. Box 2885

Salisbury, MD 21802

443-206-6235

info@faithoverfeareei.org