Qandid Terms & Conditions

1. RECITALS

The following Qandid REGISTERED USER TERMS AND CONDITIONS, which include the Qandid PRIVACY POLICY and any guidelines, policy or content displayed on www.qandid.co (“qandid.co”), each and all constitute a legally binding agreement between you (herein referred to as “User,” “you,” “your”) and Qandid (“Company,” “we,” “us”) (the "Terms").

2. INITIAL ACKNOWLEDGMENTS

By accessing the domain or sub-domains of qandid.co and any pages linked from therein, you indicate that:

1. You have read these Terms and fully understand them.

2. You agree to be legally bound by these Terms.

3. You agree that all access and use of qandid.co and its domain and sub-domains

and any of its hyperlinks and linked pages are at your own risk.

4. You acknowledge that Company specifically disclaims any liability for any direct, indirect, incidental, consequential, or special damages arising out of, or in any way

connected with your access to or use of qandid.co, even if we have been advised of the possibility of such damage.

5. You agree that your use of qandid.co shall be governed by California state law,

and that jurisdiction and venue be located in Los Angeles, California for any disputes

arising from these Terms or any other agreements with Company related to your use

of qandid.co.

qandid.co is comprised of various web sites operated by or affiliated with Company. Please

note that while you have the benefit of Company’s Terms and Privacy Policy when you use

qandid.co, if you access a third-party web site through a link on qandid.co you will also

be subject to the terms and privacy policies of that third-party site. Please carefully read those

additional terms and conditions as well. Company cannot take responsibility for the content,

terms and conditions, privacy policies, business practices or products or services of any thirdparty web site.

DO NOT access qandid.co if you do not agree to ALL of these terms and conditions as

set forth herein.

3. REGISTRATION

By registering with qandid.co, you agree to:

1. Abide by these Terms and the processes, procedures, and guidelines described

throughout qandid.co, AND

2. Be financially responsible with and for your use of qandid.co and the purchase or

delivery of services, ANDQandid

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3. Perform your obligations as specified by any agreement(s) that you accept, unless

such obligations are prohibited by these Terms or by applicable law.

To register with qandid.co and to access its content, you MUST:

1. Either be an individual of at least eighteen years of age who can form legally binding

contracts, or, be a legal entity, AND

2. Provide truthful, accurate, and complete information as prompted by the qandid.co

registration form and/or all other forms you access and/or complete on qandid.co,

AND

3. Review and update this information you provide to qandid.co on a regular basis as

to maintain its truthfulness, accuracy and completeness.

Any violation of the terms of this section will result in qandid.co account suspension or

termination.

4. ACCOUNT CREATION AND MANAGEMENT

Account Creation. Once you have completed your registration process, we will create your

account with qandid.co identified by your Username, Password, and Account Number, and

thereby you becoming a registered qandid.co User (“User”). You may also create one or more

profiles under your Account (each, a “Profile”).

Username and Password. As a User, you are entirely responsible for safeguarding and

maintaining the confidentiality of the information that you use to access qandid.co. During

registration, you will be asked to choose a Username and Password for your Account. You

authorize Company to assume, for legally operative purposes, that ANY person or entity using

qandid.co with your Username and Password IS you, or is duly authorized to act on your

behalf. You agree to notify us immediately if you suspect any unauthorized use of your

Account(s).

Membership. qandid.co provides Users with several different membership options. The

availability of these membership options is dependent upon the User’s status as a Consultant,

Consumer, or Referrer, any selections made during registration, and any subsequent changes of

membership options after registration.

Users. User can choose from “Consultant”, “Consumer”, and “Referrer” membership

options. The differences between these options are listed herein. We reserve the right to change

membership fees and benefits at our sole discretion and upon reasonable notice posted in

advance on the Website. No refunds of fees already paid will be given. If we exercise our right to

cancel a membership as provided under these Terms at any time, we will not refund the

membership fee already paid.

5. TERM AND TERMINATIONQandid

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These Terms shall legally bind you upon your access of and/or registration on qandid.co,

effective as your contractual agreement upon your use of the website, and shall continue until

your Account is terminated by you or qandid.co as provided for under the terms of this

section.

Term. Unless otherwise agreed to in writing between the parties, either party may terminate this

agreement represented by these Terms at any time upon written notice to the other party

dispatched by certified U.S. mail. Upon such written notice being received by either party, your

Account will be automatically terminated and (1) Company shall continue to perform those

services necessary to complete any open transaction between you and another user; and (2) you

shall continue to be obligated to pay any amounts accrued but unpaid as of the date of

termination of your qandid.co Account for any service and to any qandid.co affiliate for

any services.

Conditions for Account Suspension or Termination. Without limiting our remedies at law or in

equity, we may issue a warning or temporarily suspend, indefinitely suspend or terminate your

Account (or a related project) and refuse to provide any or all services to you if:

1. You breach any terms and conditions of these Terms or its linked policies and

information incorporated herein by reference, including any of our other written

policies and procedures posted on qandid.co, OR

2. We are unable to verify or authenticate any information you provide to us, OR

3. We believe in our sole discretion that your actions may cause legal liability for you,

our Users, Company and/or its affiliates, or if your actions are contrary to the interests

of the qandid.co, OR

4. You attempt to gain or gain unauthorized access to any Company or affiliated web

site or service, computer system or network connected to any Company web site or

service through any means including but not limited to hacking or password

spamming/mining. Further, you may not misuse any Company passwords or any

other related information, OR

5. You use qandid.co in any manner that could damage, disable, overburden or

impair any Company or its affiliates’ web sites, services or interfere with any other

party's use and enjoyment of any Company or affiliated web site or service.

Effect of Termination. Any account termination will automatically lead to the termination of all

linked or related Profiles. Once indefinitely suspended or terminated, you must cease using

qandid.co under the same Account Number, a different Account Number, or re-register under

a new Account Number or Profile. When your Account is suspended or terminated for any

reason, you may no longer have access to data, messages, files and other material you keep on

the Site. The material may be deleted along with all your previous posts and proposals.

Reimbursement of Investigation Costs. Without limiting our other remedies, to the extent you

engage in actions or activities which circumvent the Payment Services or otherwise reduce fees

owed qandid.co under these Terms, you must pay Company for all fees owed to Qandid.com Qandid

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and reimburse Company for all losses and costs and reasonable expenses (including attorney

fees) related to investigating such breach and collecting such fees.

Any violations of these Terms will be prosecuted to the fullest extent of the law and may result

in additional penalties and sanctions.

6. WEBSITE OVERVIEW

qandid.co is the only secure online marketplace that enables specialty loan consultants to

offer creative loan solutions to individuals or entities searching for specialty loans, and then

enables secure transactions to occur on the same platform.

qandid.co enables its users who seek creative loan solutions to connect and communicate

with verified industry specialists who offer loans through our patented secure online platform.

Consumers, as registered qandid.co Users, can search for, enter into, and manage transactions

with providers of professional services, “Consultants” or “Referrers.” Consultants, Consumers

and Referrers shall be collectively referred to herein as “Users.” qandid.co contains features

that enable Users to do, among other things, the following:

Consultants and Referrers as registered Users can create profiles, advertise

capabilities, post specialty loan offerings, search for and communicate with other

Consultants or Referrers, manage projects, leave feedback for other Users, receive

payment from Users, and pay Users.

Consumers as registered Users can create profiles, submit offers, negotiate with

Consultants, obtain invoices, and obtain feedback from Consultants.

Company maintains qandid.co to provide financially knowledgeable individuals with

information about the programs, products and services offered by Company third-party affiliates,

and to facilitate communication with Company and its affiliates. Company does not warrant that

the information or services provided herein or your use of qandid.co generally, or either

expressly or impliedly, for any particular purpose and expressly disclaims any implied

warranties, including but not limited to, warranties of title, non-infringement, merchantability or

fitness for a particular purpose.

qandid.co will not be responsible for any loss or damage that could result from interception

by third parties of any information or services made available to you via this web site. Although

the information provided to you on this web site is obtained or compiled from sources we believe

to be reliable, Company cannot and does not guarantee the accuracy, validity, timeliness or

completeness of any information or data made available to you for any particular purpose.

Further, Company makes no representation, expressly or impliedly, that any of the programs,

products, and/or services are currently available to customers.

7. MODIFICATION OF TERMS ACCURACY OF WEBSITE INFORMATION

You are responsible for regularly reviewing these Terms and your continued use of qandid.co

constitutes an implicit agreement to all such revisions. Company reserves the right, in its sole Qandid

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discretion, to revise, refuse, suspend, or terminate these Terms at any time. Company reserves

the right to revise these Terms and all linked information from time to time in its sole discretion

by updating these Terms or any linked information and posting such revised information on

qandid.co. Unless otherwise noticed in writing by Company, the revised terms will take effect

when they are posted.

Further, Company reserves the right to change, improve, or correct the information, materials,

and descriptions on any Company or affiliated web site or service and to suspend and/or deny

access to this web site for scheduled or unscheduled maintenance, upgrades, improvements or

corrections in its sole discretion, without any obligation, and without any notice requirement.

The information and materials on this web site may contain typographical errors or inaccuracies.

Any dated information is published as of its date only, and Company does not undertake any

obligation or responsibility to update or amend any such information. Company may discontinue

or change any product or service described in or offered on this web site at any time.

Because laws vary from state to state, not all of the products or services described on

qandid.co are available in all geographic areas. You may not be eligible for all the products or

services described. Company reserves the right to determine the eligibility for any product or

service.

We use our best efforts to include accurate and up-to-date information on qandid.co, but we

make no warranties or representation as to the accuracy of the information. The products and

services offered through Company are not FDIC insured and may involve investment risk,

including the possible loss of principal invested.

8. PRIVACY POLICY

When you conduct transactions via qandid.co, information transmitted to us will be governed

by our Privacy Policy. Otherwise, unless prohibited by law, any communication or material you

transmit to us via qandid.co or internet e-mail is not considered to be confidential and

Company may use such communication or material for any legal purpose.

Your use of the qandid.co and the services provided therein and thereby is governed by the

terms of these Terms and the Qandid Privacy Policy. It is your responsibility to

review the Privacy Policy, which is incorporated herein by reference, and we suggest that you

review the Privacy Policy and print a copy for yourself. The Privacy Policy is posted on the

Website and may be updated from time to time. Unfortunately, we cannot ensure that disclosure

of your personal information will not occur in ways not described in the Privacy Policy. We may

be required by law to disclose information to government authorities, law enforcement agencies

or third parties upon subpoena and you authorize us to disclose information as we believe, in our

sole discretion, is necessary or appropriate

9. CONSULTANTS’ RELATIONSHIP WITH USERS

General Service Agreement Guidelines. The engagement, contracting and management of

services enabled through usage of qandid.co are SOLELY between Consultant and User. Qandid

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Upon acceptance of an offer, the User agrees to purchase, and the Consultant agrees to deliver,

the services and related deliverables in accordance with the following agreements: (a) the

agreement between Consultant and User regarding the Consultant’s delivery of services,

description of these services and/or other deliverables, and other terms and conditions as

communicated between Consultant and User on qandid.co or otherwise, (b) these Terms,

AND (c) any other content uploaded to qandid.co by Consultant or User (collectively the

“Service Agreement”). You agree not to enter into any contractual provisions or legal obligations

in conflict with these Terms. Any provision of a Service Agreement in conflict with these Terms

is void.

Responsibilities. Consultant is responsible for managing, inspecting, accepting and paying for

satisfactory services and deliverables in accordance with the Service Agreement in a timely

manner. User is responsible for the performance and quality of the services in accordance with

the Service Agreement in a timely manner. Consultant and User each covenants and agrees to act

with good faith and fair dealing in performance of the Service Agreement.

Independence. Consultant and User each acknowledge and agree that their relationship to each

other is that of independent contractors; Consultant shall perform services as an independent

contractor and nothing in these Terms shall be deemed to create a partnership, joint venture,

agency, or employer-employee relationship between User and Consultant or between Company

and any Consultant or User.

10. YOUR RELATIONSHIP WITH COMPANY

You acknowledge that you understand that Company does not provide any credit repair, debt

consolidation, and/or loan acquisition services; Company is solely an intermediary between you

and or more of our affiliates for the procurement and facilitation of said services. Company

maintains no fiduciary responsibility to you in the performance of any of said services and makes

no representations whatsoever regarding the services provided by an affiliate of Company.

By signing these Terms and submitting documentation and/or fees to Company, you

acknowledge that Company does not provide any of the services referenced herein and that any

fees taken by Company are solely for acting as an intermediary between you and one or more of

Company’s affiliates. Further, you acknowledge that by entering into any agreement with

Company for the procurement or facilitation of services you authorize one of our affiliates to

perform said services for you. By agreeing to the performance of financial services by Company,

you hereby agree to be governed by the terms and conditions set forth by the Third Party

Affiliate and agree to be bound under an agreement with the Affiliate, and authorize the affiliate

to perform, the services chosen by you. At all times the Affiliate maintains all fiduciary duties to

you and all agreements regarding the performance of financial services are solely between you

and the affiliate. You acknowledge that Company’s involvement is merely as a facilitator and

that no obligation for the performance of services by Company arises out of this agreement

except through that capacity.

11. COMPANY’S RELATIONSHP WITH THIRD PARTY CREDIT SPECIALISTSQandid

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Company Investments is affiliated with third party Credit Specialists for the purpose of

providing individuals with access to credit repair, debt consolidation, and loan acquisition

services. Company does not perform any of these services. Company has not verified the

reliability of any representations regarding the performance of said services by the Affiliate and

cannot provide any information regarding the effectiveness thereof. Company is solely an

intermediary between the parties and no relationship for services exists between Company and

the Affiliate.

Upon Your acceptance of these Terms and Affiliate’s acceptance to provide you with services,

an agreement shall be created between you and Affiliate for the performance of services. No

agreement shall exist between Company and either you or the Affiliate except as specifically set

forth herein or otherwise expressed in writing and signed by authorized Company

representatives. Company makes no representations or warranties regarding the quality of the

work provided by Affiliate and urges You to exercise caution and due diligence before initiating

any financial procedures with Affiliate or otherwise. All services are provided through these

Terms at Your own risk. Company’s involvement in the procurement and facilitation of services

shall not be deemed to be the procurement of services on behalf of Company and shall be

deemed the procurement of services on your behalf. All services provided by the affiliate under

this agreement are being provided solely between the Affiliate and You. Company shall have no

fiduciary responsibility to you regarding the services provided by the Affiliate. All fiduciary

responsibility owed to you shall reside solely with the Affiliate.

12. DISCLAIMER OF WARRANTY AND LIMITATION OF LIABILITY

The information, products and services on this web site are provided on an "AS IS," "WHERE

IS" and "WHERE AVAILABLE" basis. Company does not warrant the information or services

provided herein or your use of this web site generally, either expressly or impliedly, for any

particular purpose and expressly disclaims any implied warranties, including but not limited to,

warranties of title, non-infringement, merchantability or fitness for a particular purpose.

Company will not be responsible for any loss or damage that could result from interception by

third parties of any information or services made available to you via this web site. Although the

information provided to you on this web site is obtained or compiled from sources we believe to

be reliable, Company cannot and does not guarantee the accuracy, validity, timeliness or

completeness of any information or data made available to you for any particular purpose.

Neither Company, nor any of its affiliates, directors, officers or employees, nor any third party

vendor, will be liable or have any responsibility of any kind for any loss or damage that you

incur in the event of any failure or interruption of this web site, or resulting from the act or

omission of any other party involved in making this web site, the data contained herein or the

products or services offered on this web site available to you, or from any other cause relating to

your access to, inability to access, or use of the web site or these materials, whether or not the

circumstances giving rise to such cause may have been within the control of Company or of any

vendor providing software or services.

In no event will Company or any such parties be liable to you, whether in contract or tort, for any Qandid

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direct, special, indirect, consequential or incidental damages or any other damages of any kind

even if Company or any other such party has been advised of the possibility thereof. This

limitation on liability includes, but is not limited to, the transmission of any viruses which may

infect a user's equipment, failure of mechanical or electronic equipment or communication lines,

telephone or other interconnect problems (e.g., you cannot access your internet service provider),

unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure.

Company cannot and does not guarantee continuous, uninterrupted or secure access to the web

site.

13. FEES

Disclaimer. We reserve the right to change membership fees, service fees, processing fees or any

other fee that may be charged by qandid.co at any time, at the sole discretion of Company

and upon reasonable notice posted on qandid.co. No refunds of fees already paid will be

given. If we exercise our right to cancel a membership as provided under these Terms, at any

time, we will not refund the membership fee already paid.

Service Fee and Payment Processing Fee. When a Consultant transfers monies to a User, and

when a User pays a Consultant, qandid.co deducts one or more of the following fees:

Services Fee. qandid.co charges all Consultants a Services Fee. This fee is based on a

Consultant’s profile membership type and is deducted from the total amount paid by a

Consultant for a Project. Consultants are charged a twenty-one percent (21%) Project

Fee.

PayPal Services Fee. qandid.co charges Users who choose to use PayPal Services a as

described.

Consultant Payment Method Fee. If a User pays a Consultant by credit card, debit card or

PayPal, a Consultant Payment Method Fee will be charged as described.

User Payment Method Fees. If a User makes a withdrawal request through a check or a

wire transfer, a User Payment Method Fee will be charged as described.

14. PAYMENT AND BILLING SERVICES

Payment Services. qandid.co’s billing and payment service enables Users to issue invoices

and enables Consultants to make payments for services (“Payment Service”).

General. When a User completes a Project for a Consultant, the User will complete the electronic

invoice form (the "Invoice") and submit it to qandid.co via the qandid.co website. A User

must complete and submit an Invoice to qandid.co for each and every Project. The User will

provide qandid.co with a list of items, including, but not limited to, hours worked, payment

required and description of Project(s), to be included on the Invoice ("Invoice Details"). Such

Invoice Details will not be final until and unless such User has confirmed the accuracy of the

Invoice Details or waived the right to review the Invoice Details. If a Professional waives his, her Qandid

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or its right to review the Invoice Details, all items in the Invoice Details will be included on the

Invoice as received by qandid.co. qandid.co ENCOURAGES ALL USERS TO REVIEW

INVOICE DETAILS. qandid.co will submit the Invoice to the Consultant and the Consultant

shall submit the payment specified in the Invoice ("Payment") to qandid.co. When a

Consultant makes a payment through the Payment Service, qandid.co deducts the appropriate

fees due qandid.co as described on the Website and deposits the Payment into the User’s

Account.

Disputes. If a Consultant reasonably disputes any Invoice, the Consultant will pay all undisputed

amounts within the time frames specified above and the parties will cooperate to verify any

disputed amounts. Any Invoice amounts reasonably disputed by a Consultant will not be payable

to a User until such dispute is resolved. qandid.co's obligation to pay any Payment (less

applicable Service Charge) is expressly conditioned upon: (a) qandid.co's receipt of Payment

from the applicable Consultant and (b) resolution of all outstanding disputes with respect to such

Invoice and/or Payment. In addition, if a Consultant has submitted Payment to qandid.co and

such payment amount is then reasonably disputed by such Consultant before qandid.co has

disbursed the disputed amount to you, you acknowledge and agree that qandid.co may hold

such Payment on behalf of such Consultant until the dispute is resolved.

Payment Escrow Services.

General. At a Consultant’s request, qandid.co will accept an advance payment for a User’s

services ("Payment Escrow Service"). We will prevent the withdrawal of the funds by the User

until (a) Consultant and the User agree that the funds should be withdrawn or (b) until the

Consultant and User have concluded the process of the Dispute Resolution Services (as herein

defined). You acknowledge that such funds will be pooled together with other all other monies

collected by qandid.co.

Notification of Dispute. If, for any reason, a party to a transaction using the Payment Escrow

Service requests Dispute Resolution Services, we will notify both all parties that the matter will

be addressed through the Dispute Resolution Services.

Withdrawal of Funds.

General. To withdraw funds from your Account, you must request such funds using any of the

withdrawal methods available on the Website. Any such requests shall be subject to the

conditions and restrictions contained on the Website and in these Terms. Notwithstanding any

other provision of these Terms, if qandid.co determines in its sole discretion that a registered

user has violated the conditions and restrictions of qandid.co or these Terms, qandid.co

has the right to refuse to process the withdrawal.

Hold on Funds. qandid.co will make funds deposited in your Account generally available for

you to use or withdraw. qandid.co reserves the right, at its sole discretion, to place a hold on

funds for Payments to clear, or if qandid.co suspects monies may be subject to charge back or

bank reversal or if fraud is suspected. qandid.co will release a hold as soon as practical.Qandid

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Legal Relationship. When you use any Company payment service (referred to collectively as

“Payment Service”) to bill for or pay service fees, qandid.co acts as your agent based upon

your direction and your requirements to perform tasks on your behalf. By initiating invoices and

sending payments through the Payment Service or adding funds to your Account, you appoint

qandid.co as your agent to obtain the funds on your behalf and to transfer the funds to the

recipient that you designate, subject to the terms and conditions of these Terms. Each User must

properly discharge and credit Consultants for all payments that qandid.co receives through

the Payment Services from such Consultants.

qandid.co acts as a payment provider by creating, hosting, maintaining, and providing

Payment Services to you via the Internet. qandid.co does not have any control over the

services invoiced or paid for with the Payment Services. Additionally, qandid.co does not

control whether a Consultant or User will actually complete the underlying transaction.

qandid.co is not responsible in any way for the timeliness or accuracy of the invoices or the

timeliness, accuracy, completion or workmanship of any work product produced by a User as a

result of an awarded Project. Nothing in these Terms will be deemed to constitute qandid.co

as your agent with respect to any service purchased and sold by Registered Users through the

website, or expand or modify any warranty, liability or indemnity stated in these Terms.

By using the Payment Services, you expressly acknowledge that (a) qandid.co is not acting as

a trustee or a fiduciary of Consultants or Users and that the Payment Services are provided to

registered Users administratively; (b) qandid.co is not a "financial institution" as defined

under the Bank Secrecy Act (BSA) and Payment Services are payment services rather than a

banking services; (c) qandid.co IS NOT A BANK AND ANY PAYMENTS

TRANSFERRED THROUGH OR HELD BY qandid.co ARE NOT INSURED DEPOSITS

AND ARE SUBJECT TO DEFAULT.

Miscellaneous Payment Terms.

Authorized Payments. Authorized payments are final. Your use of the qandid.co Payment

Service constitutes your agreement to pay for any amounts that you authorize us to charge

against your Account and, as appropriate, your credit card, bank account, or PayPal. Such

payments, once authorized, are final.

Fraudulent Transactions; Erroneous or Duplicate Transactions; Charge Backs. qandid.co

reserves the right to seek reimbursement from you, and you will reimburse qandid.co, if

qandid.co discovers a fraudulent transaction, erroneous or duplicate transaction, or if

qandid.co receives a charge back or reversal from any User’s credit card company, bank, or

PayPal for any reason. You agree to and acknowledge qandid.co’s right to investigate any

and all transactions for fraud. Further, you agree to cooperate with any reasonable requests made

by qandid.co in an effort to investigate fraud. You agree that qandid.co has the right to

obtain such reimbursement by charging your Account, deducting amounts from future payments

or withdrawals, charging your credit card or any bank account associated with your Account, or

obtaining reimbursement from you by any other lawful means, including using a third party

collection agency. Failure to pay for reimbursements of a charge back or a reversal of payment is

cause for termination of your Account.Qandid

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Currency. The Payment Service operates in United States Dollars and therefore qandid.co is

not responsible for currency fluctuations that occur when billing or crediting a credit or debit

card denominated in a currency other than US Dollars, nor is qandid.co responsible for

currency fluctuations that occur when receiving or sending payment via wire transfer, check or

automated clearinghouse to and from your Account.

Exclusivity and Non-Circumvention. Consultants agree to use the Payment Service to make all

payments to Users, whether first-time, repeat, or follow-on. You also agree not to take any action

directly or indirectly to circumvent Payment Service or any associated fees. As a User, you agree

to use Payment Services to receive all payments from Consultants identified through the website,

whether first-time, repeat, or follow-0on. Additionally, you agree not to circumvent the Payment

Service or any associated fees.

Notification. As a Consultant, you agree to notify qandid.co immediately if your User solicits

payment from you outside the Website. As a User, you agree to notify qandid.co immediately

if your Consultant seeks to pay you outside the Website. If you are aware of a breach of the

foregoing prohibitions, or any potential circumvention of the Payment Services, please submit a

confidential report to qandid.co by writing us at the qandid.co address listed at the end of

these Terms.

Agreement to Pay. If, for any reason, qandid.co does not receive payment for any amounts

that you have authorized to be paid through your use of the Payment Service, you agree to pay

such amount immediately upon demand by qandid.co. You also agree to pay any interest

charges, attorneys' fees and other costs of collection incurred by qandid.co in collecting from

you the authorized but unpaid amount. In such case, qandid.co may, at its option, stop

processing any further payments made by you and apply any amounts then held by qandid.co

on your behalf toward any deficiencies, losses or costs that we have incurred as a result of your

use of the Payment Service. We may also make appropriate reports to credit reporting agencies,

financial institutions, tax agencies and law enforcement authorities, and cooperate with them in

any resulting investigation or prosecution.

15. PROPRIETARY RIGHTS

Company owns the copyrights to the images, text, screens, sounds, flash animations, and web

pages, and any other copyrightable information not herein named but existent or appearing on

qandid.co (“Proprietary Information”). You may copy information from qandid.co for

your personal or educational use provided that each copy includes legally operative copyright,

trademark or service mark notices, or attribution as appearing on qandid.co. This Proprietary

Information and related materials may not otherwise be copied, displayed, distributed,

downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used

to create a derivative work or otherwise used for public or commercial purposes, except as

provided in these terms, unless provided with the expressed written permission of Company.

The qandid.co name, logo, and all of the other names and taglines listed here are copyrights,

trademarks and/or service marks owned by Company, all of which may be registered in certain Qandid

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and different jurisdictions. Other trademarks appearing on qandid.co or its linked websites are

owned by and used for the benefit of their respective companies.

16. PERSONAL CONTENT RIGHTS AND RESPONSIBILITIES

Personal Content Ownership Rights. You retain ownership of all Personal Content including but

not limited to Multimedia Content, subject to the restrictions and licenses granted herein.

Assignment of Non-Multimedia Content Rights. You hereby assign to qandid.co your rights

in any Non-Multimedia Content. You grant us a non-exclusive, universe-wide, perpetual, royalty

free, irrevocable right to exercise all copyright and publicity rights with respect to the

Multimedia Content and to use such Multimedia Content for the purpose of advertising and

publicizing qandid.co products and services and you grant us a non-exclusive, universe-wide,

perpetual, royalty free, irrevocable right to use the Personal Content for the purpose of providing

Services.

Posting Information. You are solely responsible for Personal Content and any other information

you post on qandid.co including but not limited to:

1. Any audio, video or photographic content (collectively, "Multimedia Content"), AND

2. Any posting or listing made in any public message area, through any email feature, or

through qandid.co's feedback feature (collectively, "Non-Multimedia Content"),

AND

3. Any other content of a personal nature including but not limited to your resume,

biography, work history and work product produced for another user including any

entities.

Personal Content Restrictions. Your Personal Content must not infringe any third party's rights,

including but not limited to intellectual property, publicity or privacy, nor be defamatory, trade

libelous, threatening or harassing, nor be obscene, indecent or contain pornography.

Limitation of Liability. We do not endorse any information posted by any qandid.co users

and we are not liable for any such information posted on qandid.co, including but not limited

to any information posted about you. We reserve the right in our sole discretion to take any and

all appropriate legal actions with respect to any Personal Content posted on qandid.co that we

believe violates these Terms or is otherwise inappropriate, including but not limited to

termination of your Account. However, we do not, nor cannot, control the information provided

by you or other users or other content providers that is made available through our system.

Procedure for Removal of Personal Content Deemed to Infringe a Copyright Claim. Pursuant to

17 USC. § 512 as amended by Title II of the Digital Millennium Copyright Act, Company has

implemented procedures for receiving written notification of claim infringements and for

processing such claims in accordance with the Act. If you believe your copyrights are being

infringed by a user of the qandid.co, please fill out a Notice of Infringement form and mail it

to “Attn: Company Copyright Infringement Notices” at the qandid.co address listed at the end

of these Terms. The information requested by the Notice of Infringement form substantively Qandid

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complies with the safe harbor provisions of the Digital Millennium Copyright Act, 17 USC. §

512(c)(3)(A), which provides that a notification of claimed infringement must be a written

communication provided to the designated agent that includes substantially the following: (a) A

physical or electronic signature of a person authorized to act on behalf of the owner of an

exclusive right that is allegedly infringed, (b) Identification of the copyrighted work claimed to

have been infringed, or, if multiple copyrighted works at a single online Website are covered by

a single notification, a representative list of such works at that Site, (c) 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 the

Freelancer to locate the material, (d) Information reasonably sufficient to permit the Freelancer

to contact the complaining party such as an address, telephone number, and if available, an

electronic mail address at which the complaining party may be contacted, (e) 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, (f) 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,

(g) Notification from a copyright owner or from a person authorized to act on behalf of the

copyright owner that fails to comply substantially with the provisions above shall not be

considered as providing actual knowledge or an awareness of facts or circumstances from which

infringing activity is apparent. Additionally, you are required to provide a Notice of Infringement

form each time you wish to report alleged acts of infringement and fax it to the number provided

above.

17. SERVICES DISCLAIMER

Prior to the execution of any transaction by you involving information you received from this

web site, you should consult your business advisor, attorney and tax and accounting advisors

with respect to the price, suitability, value, risk or other aspects of any product. Pricing and other

information generated through the use of data or services made available herein may not reflect

actual prices or values that would be available in the market at the time provided or at the time

that the user may want to purchase a particular product.

None of the information contained on qandid.co constitutes a recommendation, solicitation or

offer by Company or its affiliates to buy or sell any product or service. The information

contained on qandid.co is merely a compilation of products or services typically offered by

affiliates of Company. Company makes no representation or warranty, expressly or implied, that

any of the products or services found on this site are currently being offered by any affiliate of

Company. Certain transactions give rise to substantial risk and are not suitable for all individuals.

The information and services provided on this web site are not provided to and may not be used

by any person or entity in any jurisdiction where the provision or use thereof would be contrary

to applicable laws, rules or regulations of any governmental authority or regulatory or selfregulatory organization or clearing organization or where Company is not authorized to provide

such information or services. Some products and services described in this website may not be

available in all jurisdictions or to all Users.Qandid

REGISTERED USER TERMS & CONDITIONS

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18. DISPUTE RESOLUTION

Company offers Qandid Dispute Resolution Services (“VDRS") only to those users engaged in

a dispute over a Project that is (i) pursuant to a project posting by a Consultant through the

Website, (ii) pursuant to a bid for by a Consumer through the website for such posting and (iii)

pursuant to an acceptance through the Website by the Consultant for such bid.

Acknowledgements. You agree and acknowledge that Company, through providing VDRS on

qandid.co, (1) is NOT providing legal services to you or to a Professional, (2) will not advise

you regarding any legal matters, and (3) you will seek independent legal counsel licensed to

practice law in your jurisdiction if you desire legal counsel and not rely on Company for any

such counsel. You agree to indemnify and hold harmless Company and its directors, officers and

employees and any of its affiliates against any damages or liability you may suffer as a result of

using VDRS. If you do not agree to use the dispute resolution services under these terms, you

should not elect to use any Company financial services.

Mediation. In any dispute between users eligible for VDRS, you agree to mediate such dispute in

good faith before Company for a period of twenty-five (25) business days. Such twenty-five

business day period shall be deemed to have begun the day that either party requests VDRS

through qandid.co. If the result of such mediation is acceptable to both parties in a dispute,

you agree to indicate your approval of such mediation through qandid.co and Company will

disburse funds in accordance with the results of such mediation. If you are dissatisfied with the

progress, or if twenty-five (25) business days have lapsed since you have notified qandid.co

of a dispute between you and another user, you agree to submit your dispute to binding

arbitration as further set forth below.

Arbitration. In any dispute between qandid.co users that cannot be resolved through

mediation, you expressly agree to and acknowledge that Company or a third party chosen by

Company will neutrally arbitrate the dispute in accordance with these Terms. You acknowledge

and agree that Company will construe any agreements based on the transaction’s course of

dealing and common industry practices. Specifically, in rendering its decision, the arbitrator shall

only be obligated to consider the following: (i) the agreements between User and Company, (ii)

the parties' course of dealings, as evidenced by activity on or communications through

qandid.co, or (iii) any information or communication that the parties agree should be

considered. Company shall render its decision within five (5) business days of a failed mediation.

During this time, you are encouraged to continue to negotiate an amicable settlement with the

professional with which you are engaged in a dispute. You agree that the decision of Company,

acting as an arbitrator, shall be final, binding, and not subject to appeal. Accordingly, within a

reasonable time after we have rendered a decision, we will disburse funds from our escrow

Account in accordance with the arbitrator’s decision. In the event that you are the prevailing

party in its arbitration decision, you agree that you shall have no right, title to, interest in or

license to the subject matter of the dispute. In such case, you agree to return any Company

physical property in your possession and destroy any electronic copies that you have.Qandid

REGISTERED USER TERMS & CONDITIONS

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Dispute Notification. You agree and acknowledge that (1) qandid.co will use the e-mail

address corresponding with your Account Number registered at the time a dispute arises to notify

and communicate with you with regard to any dispute and (2) you are solely responsible for the

receipt of any notification or communication sent by qandid.co using the e-mail address

corresponding with your Account Number registered at the time a dispute arises.

19. GENERAL DISCLAIMERS

Registered User Representations and Warranties. All registered users represent, warrant, and

agree to each and all of the following:

1. To grant access to their Account only to users authorized to act on behalf of the User

and only in accordance with these Terms, AND

2. To be fully responsible and liable for any action(s) of any person or entity who uses

your Account.

3. Not to use the account number, username, or password of another user that you are

not expressly authorized to use.

4. Not to allow any third party who is not authorized to use your Account at any time to

use your account at any time.

5. Not to use any device, software or routine, including but not limited to any viruses,

Trojan horses, worms, time bombs, robots or denial-of-service attacks, intended to

damage or interfere with the operation of the qandid.co or any transaction being

conducted through the website.

6. Not to intercept or expropriate any system, data or personal information from

qandid.co.

7. Not to take any action that imposes an unreasonable or disproportionately large load

on the qandid.co infrastructure, including but not limited to "spam" or other such

unsolicited mass emailing techniques.

8. That the user has the right and authority to enter into the Terms and to transact

business hereunder.

9. That they are using qandid.co solely for the purpose of entering into a bona fide

business transaction with other users.

10. That they will not use qandid.co or its services to defraud or mislead any person or

entity, including without limitation qandid.co or any user.

11. That they will not use qandid.co to violate any law or regulation of the United

States of America or any international law or treaty.

12. That they are not a resident national of, or, an entity located in Cuba, Iran, Sudan,

Burma (Myanmar), Democratic Republic of the Congo, North Korea, Syria or any

other country subject to economic sanctions imposed by the government of the United

States of America.

13. That they are not currently and have never been listed as a Specially Designated

National by the United Stated Department of Treasury's Office of Foreign Assets

Control ("OFAC").

14. That they will not use the Website in connection with any “prohibited transaction” as

defined under the Cuban Assets Control Regulations, 31 C.F.R. Part 515; Iranian

Transactions Regulations, 31 C.F.R. Part 560; or Sudanese Sanction Regulations, 31 Qandid

REGISTERED USER TERMS & CONDITIONS

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C.F.R. Part 538; Former Liberian Regime of Charles Taylor Sanctions Regulations,

31 C.F.R. Part 593; Burmese Sanctions Regulations, 31 C.F.R. Part 537; Foreign

Assets Control Regulations as they relate to North Korea, 31 C.F.R. Part 500;

Executive Order 1338; or any other law, regulation or executive order of the United

States of America.

Warranty Disclaimer. THE SERVICES PROVIDED BY Company OR OUR THIRD-PARTY

SERVICE PROVIDERS ARE PROVIDED "AS IS," AS AVAILABLE, AND WITHOUT ANY

WARRANTIES OR CONDITIONS (EXPRESS OR IMPLIED, INCLUDING THE IMPLIED

WARRANTIES OF MERCHANTABILITY, ACCURACY, FITNESS FOR A PARTICULAR

PURPOSE, TITLE AND NON-INFRINGEMENT, ARISING BY STATUTE OR OTHERWISE

IN LAW OR FROM A COURSE OF DEALING OR USAGE OR TRADE). WE MAKE NO

REPRESENTATIONS OR WARRANTIES, OF ANY KIND, EITHER EXPRESS OR

IMPLIED, AS TO THE QUALITY, IDENTITY OR RELIABILITY OF ANY THIRD PARTY,

OR AS TO THE ACCURACY OF THE POSTINGS MADE ON THE WEBSITE BY ANY

THIRD PARTY. SOME STATES AND JURISDICTIONS DO NOT ALLOW FOR ALL THE

FOREGOING LIMITATIONS ON IMPLIED WARRANTIES, SO TO THAT EXTENT, IF

ANY, SOME OR ALL OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

Limitation of Liability. IN NO EVENT SHALL WE OR OUR THIRD-PARTY SERVICE

PROVIDERS BE LIABLE TO YOU OR ANY OTHER REGISTERED USER FOR ANY

SPECIAL, INDIRECT, CONSEQUENTIAL, INCIDENTAL OR PUNITIVE DAMAGES

PURSUANT TO THIS AGREEMENT, INCLUDING BUT NOT LIMITED TO, LOSS OF

PROFITS, LOSS OF BUSINESS OPPORTUNITIES OR LOSS OF GOODWILL, EVEN IF

ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANY

OTHER PROVISION OF THIS AGREEMENT, IN NO EVENT WILL OUR LIABILITY TO

YOU FOR ANY ACTION OR CLAIM RELATED TO THE SITE SERVICES PROVIDED

UNDER THESE TERMS OF SERVICE, WHETHER BASED ON CONTRACT, TORT,

NEGLIGENCE OR ANY OTHER THEORY OF LIABILITY, EXCEED THE GREATER OF:

(A) $100 OR (B) THE AGGREGATE AMOUNT OF MONIES ACTUALLY COLLECTED

BY US FROM YOU FOR THE SERVICES TO WHICH THE LIABILITY RELATES

DURING THE SIX (6) MONTH PERIOD IMMEDIATELY PRECEDING THE

DETERMINATION OF SUCH LIABILITY. SOME STATES AND JURISDICTIONS DO

NOT ALLOW FOR ALL THE FOREGOING EXCLUSIONS AND LIMITATIONS OF

INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO TO THAT EXTENT, IF ANY, SOME

OR ALL OF THESE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

General Release. If you have a dispute with another Registered User, you release qandid.co

(and our officers, directors, agents, subsidiaries, joint ventures and employees) from claims,

demands and damages (actual and consequential) of every kind and nature, known and unknown,

arising out of or in any way connected with such dispute.

State Specific Release. YOU HEREBY WAIVE CALIFORNIA CIVIL CODE §1542 (AND

ANY ANALOGOUS LAW IN ANY OTHER APPLICABLE JURISDICTION) WHICH SAYS:

“A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR

DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF Qandid

REGISTERED USER TERMS & CONDITIONS

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EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY

AFFECTED HIS SETTLEMENT WITH THE DEBTOR."

Company is not a party to the dealing, contracting and fulfillment of any agreement between

qandid.co users. Company has no control over and does not guarantee the quality, safety or

legality of any services performed or deliverables created, advertised, the truth or accuracy of

project listings, the qualifications, background, or abilities of Registered Users, the ability of

Consultants to perform services, the ability of Users to pay for services, or that a Consultant or

User can or will actually fully perform the terms of their agreement(s).

Project. qandid.co is not responsible for and will not control the manner in which a User

operates and is not involved in the hiring, firing, discipline or working conditions of the User.

All rights and obligations for the purchase and sale of services or other deliverables are solely

between a Consultant and a User. qandid.co will not provide any User with any materials or

tools to complete any Project. Consultants and Users must look solely to the other for

enforcement and performance of all the rights and obligations arising from Service Agreements

and any other terms, conditions, representations, or warranties associated with such dealings.

(2) Third-Party Beneficiary of Service Agreement. Consultant and User each acknowledges and

agrees that the value, reputation, and goodwill of the Website depend on their performance of

their covenants and agreements as set forth in their Service Agreement. Consultant and User

therefore appoint qandid.co as a third-party beneficiary of their Service Agreement for

purposes of enforcing the obligations owed to, and the benefits conferred on, qandid.co by

these Terms. Consultants and Users further agree that qandid.co has the right to take such

actions with respect to the Service Agreement or their Accounts, including without limitation,

suspension, termination, or any other legal actions, as qandid.co in its sole discretion deems

necessary to protect the value, reputation, and goodwill of the Website.

(3) Agency. These Terms and any registration for or subsequent use of this Website by any user

or Registered User will not be construed as creating or implying any relationship of agency,

franchise, partnership or joint venture between you and qandid.co, except and solely to the

extent expressly stated.

(4) Taxes. Registered Users are responsible for payment and reporting of any taxes. Other than

in connection with 1099 Services, qandid.co is not obligated to determine the applicability of

any taxes or to remit, collect or report any such applicable taxes, unless otherwise agreed to by

both parties pursuant to the terms of any provision of tax services provided to you by

qandid.co. You agree that you will abide by any and all applicable state and federal tax

statutes, regulations and common law. In the event qandid.co receives a notice of noncompliance with any such statute, regulation or common law, including, without limitation, an

Internal Revenue Service Levy, qandid.co will deem such receipt a breach of this section and

will suspend your Account until qandid.co received an Internal Revenue Service Release

Indemnity. You agree to defend, hold harmless and indemnify qandid.co from and against

any and all losses, costs, expenses, damages or other liabilities incurred by qandid.co from

and against any cost, liability, loss, damage, cause of action, claim, suit, proceeding, demand or Qandid

REGISTERED USER TERMS & CONDITIONS

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action brought by a third party against qandid.co: (1) in connection with your use of the Site

Services including any payment obligations incurred through use of the Payment Services; or (2)

resulting from: (a) your use of the Website (b) your decision to supply credit information via the

Website, including personal financial information; (c) your decision to submit postings and

accept offers from other Registered Users; (d) any breach of contract or other claims made by

Registered Users with which you conducted business through the Website; (e) your breach of

any provision of these Terms; (f) any liability arising from the tax treatment of payments or any

portion thereof; (g) any negligent or intentional wrongdoing by any Registered User; (h) any act

or omission of yours with respect to the payment of fees to any Consumer; (i) your dispute of or

failure to pay any Invoice or any other Payment; or (j) your obligations to a Consumer. Any such

indemnification shall be conditioned on our: (i) notifying you in writing of any such claim,

demand, action, cost, liability, loss or threat of any thereof; (ii) cooperating with you in the

defense or settlement thereof; and (iii) allowing you to control such defense or settlement. We

shall be entitled to participate in such defense through our own counsel at our own cost and

expense. We reserve the right to report any wrongdoing of which we become aware to the

applicable government agencies or otherwise.

Links. The Web Site may contain links to third-party web sites not under the control or operation

of qandid.co. When we provide links, we do so only as a convenience and do not endorse and

are not responsible for the content of any linked site or any link contained in a linked site.

Data. You are responsible for creation, storage, and backup of your personal and business

records. These Terms and any registration for or subsequent use of this Website will not be

construed as creating any responsibility on Company’s behalf to store, backup, retain, or grant

access to any information or data for any period.

20. MISCELLANEOUS TERMS AND CONDITIONS

Compliance with Law. You are responsible for compliance with applicable U.S. state, U.S.

federal and international laws, regulation and treaties, keeping in mind that access to the contents

of this Website may not be legal for or by certain persons or in certain countries.

IRS Form 1099. At the request of a Consultant, qandid.co shall issue each individual User

whom you have engaged through the Website a summary on Form 1099 reflecting Payments

(less fees) paid to each User. You hereby acknowledge that, although qandid.co may provide

1099 Services to Consultants, the Consultant’s Service Agreement to obtain services and make

payments is an agreement between an Consultants and a User.

Modification and Waiver. qandid.co will not be considered to have modified or waived any

of our rights or remedies under these Terms unless the modification or waiver is in writing and

signed by an authorized representative of qandid.co. No delay or omission by qandid.co in

exercising its rights or remedies will impair its rights or be construed as a waiver. Any single or

partial exercise of a right or remedy will not preclude further exercise of any other right or

remedy.

Severability. In the event that any of the terms or provisions of these Terms shall be held to be Qandid

REGISTERED USER TERMS & CONDITIONS

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unenforceable, the remaining terms and provisions shall be unimpaired, and the unenforceable

term or provision shall be replaced by such enforceable term(s) or provision(s) as comes closest

to the intention underlying the unenforceable term or provision, or as is permitted by applicable

law.

Assignment or Transfer. You will not transfer, assign or delegate your rights or obligations

(including your Account) under these Terms to anyone without the express written permission of

qandid.co, and any attempt to do so will be null and void. qandid.co may assign these

Terms in its sole discretion.

State Specific Legal Notice. Pursuant to California Civil Code Section 1789.3 and California

Business and Professions Code Section 17538, residents of California are hereby advised of the

following: qandid.co, located in Los Angeles, California, is the provider of the electronic

commercial service on this site. Registered users are notified in advance regarding any applicable

service charges. The Complaint Assistance Unit of the Division of Consumer Services of the

Department of Consumer Affairs in California may be contacted in writing at 400 R. Street,

Suite 3090, Sacramento, CA 95814 or by calling 1-800-952-5210.

Upon your request, you may have these Terms sent to you by e-mail. Please feel free to contact

Company to resolve a complaint regarding any aspect of service relating to this site by writing to

the address below.

Force Majeure. Except for the payment of fees to qandid.co, neither of the parties to these

Terms shall be responsible for the failure to perform or any delay in performance of any

obligation hereunder due to labor disturbances, accidents, fires, floods, telecommunications or

Internet failures, strikes, wars, riots, rebellions, blockades, acts of government, governmental

requirements and regulations or restrictions imposed by law or any other similar conditions

beyond the reasonable control of such party. The time for performance of such party shall be

extended by the period of such delay.

Notice. All notices required or permitted to be given under these Terms, shall be in writing and

shall be deemed to have been duly given if delivered personally or sent by pre-paid telex, telefax

or telegram, or mailed first-class, postage pre-paid, by registered or certified mail (notices sent

by telex or telefax, or telegram, shall be deemed to have been given on the date sent; those

mailed shall be deemed to have been given ten (10) business days after mailing) to the addresses

set forth below or to such other address as any party shall designate by notice in writing.

If to Qandid:

Attn: Business and Legal Affairs

1035 S. Grand, Floor 3

Los Angeles, CA 90015

If to Registered User:

To the address associated with Registered

User's access or login information.

Headings and Labels. The boldface paragraph headings in these Terms are included for ease of

reference only and have no binding effect.

Integration. These Terms and all documents referenced in these Terms (including the policies listed Qandid

REGISTERED USER TERMS & CONDITIONS

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and available by hyperlink) comprise the entire agreement between you and Company with respect to

the use of this Website and supersedes all prior agreements between the parties regarding the subject

matter contained herein as well as any conflicting or inconsistent terms in any website that links to or

are linked from qandid.co.

Proper Authorization for new Transactions

"I authorize Qandid to debit the bank account indicated in this web form for the noted amount on today’s date. I understand that because this is an electronic transaction, these funds may be withdrawn from my account as soon as the above noted transaction date. I will not dispute Qandid debiting my checking/savings account, so long as the transaction corresponds to the terms indicated in this web form." Incorporating our Terms of Service in your Terms of Service "By entering into this agreement, you agree to the terms of service of SynapsePay (our banking software provider) found here which are incorporated herein by reference."

Synapse terms

ₓ

Qandid Privacy Policy

1. PREAMBLE

This Privacy Policy applies to Qandid and its affiliates (“Company,” “we, “us”), and governs your use as a registered user of www.qandid.co (“qandid.co”). By registering with and using qandid.co, you acknowledge and accept the terms of this PRIVACY POLICY (“Privacy Policy”), which may be modified at any time without prior notice. It is your responsibility to review these terms regularly and to be aware of the terms listed herein. By continuing to use Qandid.co after any such modifications have been made to this policy, you are consenting to the changes Company respects the privacy and security of your personal information, and protecting its integrity is of the utmost importance to us. Please fully read this Privacy Policy carefully and make note of your rights under this policy. By sharing our Privacy Policy with our users, we trust that you will better understand how we keep user information private and secure while using it to provide services and products. Other privacy principles or policies may apply to users of certain qandid.co businesses in certain jurisdictions.

2. ONLINE SECURITY TIPS

While Company is committed to ensuring the highest standard of security on our systems, you, the registered user, plays an important role to ensure your own adequate protection when you use the Internet.

Company recommends practicing the following online security protocols: Install anti-virus, anti-spyware and other internet security software on your PC. Use it regularly and keep it up-to-date. Take advantage of your computer’s security features. Make sure your browser uses the strongest encryption available and be aware of the encryption levels of the sites and applications you use. Regularly update your PC's operating system and Web browser software with the vendor's software patches and updates to protect your PC against known vulnerabilities. Do what you can to prevent unauthorized people from using your PC. Change your passwords often. Be sure to choose passwords that are hard for others to guess. If you notice suspicious activity in your accounts, report it immediately to the appropriate parties.

Do not download or open any attachments sent to you by unsolicited email. Once opened, these programs may contain malicious programs that can compromise your PC's security. Be on the alert for phishing scams.

Access Web sites by typing the Web addresses directly into your Web browser or by using Web addresses you have bookmarked, instead of via embedded links in unsolicited emails.Company strongly urges all registered users to practice the aforementioned online security practices to enjoy the safest qandid.co experience.

3. COOKIES AND BROWSERSQandid

Company gathers certain information from all visitors of qandid.co from their IP addresses. qandid.co uses a feature of your web browser called a “cookie” to assign a “User I.D.” A cookie is a piece of data stored on the user's computer tied to information about the user. By themselves, cookiescannot be used to find out the identity of any user. qandid.co uses session ID cookies to confirm that users are logged in. These cookies terminate once the user closes the browser. By default, qandid.co uses a persistent cookie that stores your login ID (but not your password) to make it easier for you to login when you return to the website. qandid.co members must have cookies enabled on their browser. Note: Cookie preferences are set within each browser's internet preferences.When you register with qandid.co, you provide certain personal information, including, your name, your email address and your mailing address. Additionally, when you establish your User Profile, you will provide information relating to your skills, experience, education level, compensation, work availability, geographic region and self-evaluation. Such information does not identify the specificity of the individual member.

Your qandid.co registered user account identifies your computer - but not you - to our servers whenever you visit qandid.co or its related web sites. Unless you specifically tell us who you are(e.g. by completing an application), we will never know who you are even though we assign you a cookie if you are only browsing our site. This site contains links to other sites. If you use a link to visit the site of another company, we cannot be responsible for the privacy practices or the content of that company or its site.

4. SAFEGUARDING CUSTOMER INFORMATION

We only grant third party access to nonpublic personal information about you (such as your name, address, Social Security number and credit history) to Company employees and affiliated and nonaffiliated service providers so that they can provide or offer products and services to you, process and service your accounts, and lawfully administer our business. Our Company Corporate Code of Conduct requires that your information provided to us through qandid.co remain confidential. Even if you are no longer our customer, we will continue to treat your nonpublic personal information in the same way as if you were still a customer. In addition, we maintain physical, electronic and procedural safeguards that comply with federal standards to guard this personal information. Some state laws may further restrict the sharing of your nonpublic personal information.

5. COLLECTION OF INFORMATION

Company is the sole owner of all information collected through qandid.co. When you access qandid.co, you provide two types of information collected by qandid.co: your personal information that you knowingly choose to disclose, and your “website use information” generated as you interact with the website. We collect nonpublic personal information about you from the following sources: qandid.co forms and other data entry fields, the Internet, via telephone and others. Examples of the type of information collected include your name, address, Social Security number, credit history and other financial information from transactions with us, our affiliates or with others. For example, your payment histories, account balances, and other transaction records. From credit reporting agencies, such as information relating to your creditworthiness, your credit score and credit usage. From third parties, to verify information you have given us.

If you post information on a bulletin board, or participate in a public message board, you should be aware that any personally identifiable information you choose to provide there can be read, collected, or used by other users of these forums and could be used to send you unsolicited messages. qandid.co is not responsible for the personally identifiable information you choose to submit in these forums

6. USES OF SHARED INFORMATION

Company is firmly committed to the privacy of its users and works hard to earn and keep your trust, so it adheres to the following principles to protect your privacy: Company does not rent or sell your personally identifiable information to third parties. Company does not share your contact information with other users or third parties without your consent.

Any personally identifiable information that you provide to qandid.co will be secured with industry standard protocols and technology.

Company will not sell or rent any collected information to third parties.

Company will not share your contact information with other users or third parties

qandid.co records IP addresses for system administration purposes. This information is used to diagnose server problems, monitor internet traffic patterns, analyze trends, administer the website, track member user patterns, and identify the most popular areas of the website to deliver content most relevant to registered members. IP addresses are not linked to personally identifiable information and are only used to gather broad demographic information for aggregate use, except in the case of fraud.qandid.co reserves the right to share aggregated demographic information with its partners and/or advertisers, such information will not be linked to personal information that identifies registered users, except in the case of fraud.

We protect client information. We take our responsibility to protect the privacy and confidentiality of any client information very seriously. We maintain physical, electronic and procedural safeguards that comply with applicable legal standards to store and secure client information from unauthorized access and use, alteration and destruction. Our own policies and procedures have been developed to protect the confidentiality of client information and to help achieve compliance with relevant rules and regulations. We hold our employees accountable for complying with those policies, procedures, rules and regulations.

Information Sharing Among Our Family of Affiliated Companies. Under the Federal Fair Credit Reporting Act, we are permitted to share your name, address and facts about your transactions and experience with us (such as your payment history and other transactions on your accounts with us) among our affiliated companies. That information is referred to in this Privacy Policy as "transaction information." Unless you request otherwise, we also share all of the other information we collect among our affiliated companies. This information-that is, information other than transaction and experience information-is referred to in this Privacy Policy as "other information." You have the right to ensure that other information is not shared among our affiliates. If you prefer that we not share other information among our affiliates, you may opt-out of those disclosures by following the steps in the “Your Opt-Out Choices” section.

Once we receive your opt-out request, we will stop sharing this information as soon as reasonably practicable. Your opt-out will apply to all accounts you hold individually and to all accounts you hold jointly with other persons. Your opt-out will not apply, however, to any accounts your joint account holders hold individually or jointly with persons other than you. If your joint account holders wish to opt-out as to such other accounts, they will need to submit a separate opt-out request.Information Sharing with Nonaffiliated Third Parties as Permitted by Law. We are permitted by law to share all the information we collect, as described above, with (1) companies that perform marketing services on our behalf and (2) with other financial institutions with whom we have joint marketing arrangements. For example, we may share information with financial services providers with which we offer products such as credit cards or accelerated loan payment programs. We may also share all the information we collect, as described above, with other nonaffiliated third parties that assist us with preparing monthly statements and with the processing and printing of checks. These other nonaffiliated third parties also include credit reporting agencies to whom we report information about your transactions with us.

Please be advised that the opt-out rights described below will not apply to the sharing of information with these third parties or to the sharing of information with marketing service providers and joint marketers as described above.

Information Sharing with Other Nonaffiliated Third Parties and Your Opt-Out Rights. Unless you request otherwise, we may share all the information we collect, as described above, with additional types of nonaffiliated third parties, such as: financial service providers, such as life insurance companies for whom one or more of our affiliates acts as agents. Nonaffiliated companies, such as firms that offer value-added packages of products and services (including discounted travel services, discounted hotel accommodations and shopping services). If you prefer that we not share nonpublic personal information with these nonaffiliated third parties, you may opt-out of those disclosures (other than those permitted by law) by following the steps in the "Your Opt-Out Choices" section. We will stop sharing this information as soon as reasonably practicable. Again, your opt-out will apply to all accounts you hold individually and to all accounts you hold jointly with other persons. Your opt-out will not apply, however, to any accounts your joint account holders hold individually or jointly with persons other than you. If your joint account holders wish to opt-out as to such other accounts, they will need to submit a separate opt-out request.

7. EXTERNAL LINKS

qandid.co contains links to other websites and is not responsible for the privacy policies of such websites. Company encourages its users to read the privacy policies of all websites accessed through external links. This Privacy Policy applies solely to information collected by qandid.co.

8. SECURITY PROTOCOLS

Company uses industry standard protocols and technology to protect registered user information collected by qandid.co and safeguard its integrity. qandid.co is a VeriSign Secure Site. Please click the VeriSign logo at the bottom of any page in the website to view our official VeriSigncertificate. All transactions performed through qandid.co are conducted in a Secure Socket Layer (SSL) session. The Secure Socket Layer encrypts all transaction data for transmittal in a format that prevents data theft. This process protects all private information from being disclosed to third parties. While on a secure page, the lock icon at the bottom of a Web browser (i.e. Microsoft Internet Explorer or Mozilla Firefox) becomes locked.

qandid.co also protects offline registered user information as all registered user information is restricted within our offices. Servers used to store personally identifiable information are maintained in a secure, supervised environment. In addition, only duly authorized Company employees with information needs to perform specific task are granted access to personally identifiable information.

9. MANDATORY COMMUNICATIONS

Company sends all newly registered qandid.co users a welcome e-mail to verify their e-mail addresses. At times, Company sends service announcements to its registered users. Registered users cannot unsubscribe from service announcements that discuss upcoming changes that affect their qandid.co accounts. In addition, we communicate with registered members via personal emails or phone calls to provide requested services.

10. OPTIONAL COMMUNICATIONS

Registered users receive monthly e-newsletters containing information on qandid.co products, services and announcements. Occasionally, registered users receive e-postcards that highlight special qandid.co announcements and features. Registered users can opt-out of the above listed communications. Please see our Choice/Opt-out section below.

11. CHOICE/OPT-OUT

Upon registration, registered users can opt-out of qandid.co’s option communications. Additionally, registered users can, at any time, modify their qandid.co service announcement preferences by updating their account information.

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