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Conditions of Use TOS (terms of service)

These terms of use ("Legal Terms") describe the terms and conditions applicable to your access and use of the® and/or its affiliates or (IWS) web site (the "Web Site"). By using this Web Site, you are accepting and agreeing to these Legal Terms. If you do not agree to all of these Legal Terms, do not use this Web Site.® and/or its affiliates may modify this Web Site and the rules and regulations governing its access and use, at any time. Any modification will be included in these Legal Terms, so please check back when you use the Web Site. By continuing use of the Web Site after such changes are posted, you will be deemed to have accepted such changes.

Scope of Use® and/or its affiliates invites you to view, use and download materials at this Web Site for your informational, non-commercial use, provided that you leave all the copyright notices or other proprietary notices intact. There may be some portions of this website that might not be designated with a proprietary notice, it is implied that any content that is not already held under a current copyright is deemed to be the sole property of® and/or its affiliates. You may not store, modify, reproduce, transmit, distribute, repost, publicly display or otherwise use any content on this Web Site, or the design or layout of the Web Site or individual sections of it, in any form or media except with the express prior written permission of® specifically. The commercial use, reproduction, reposting, public display, transmission or distribution of any information, software, logo or other material available through the Web Site without the prior written consent of® and/or its affiliates is strictly prohibited.

You understand that® and/or its affiliates may, at any time, for any reason and without notice, discontinue, change or restrict your use of this Web Site and make changes in the products and/or services described in this Web Site.

No Professional Advice

The information available on the Web Site is intended to be a general information resource regarding the matters covered, but is not offered as legal, accounting or other professional advice. You should evaluate all information, opinions and advice available on this Web Site and draw your own conclusions from them.

No Warranties

The Web Site, any content, opinions or advice on the Web Site, and any products or services available through the Web Site are provided to you on an "as is," "as available" basis without warranty of any kind either express or implied, including but not limited to any implied warranties of merchantability, fitness for a particular purpose, quiet enjoyment, systems integration, accuracy, and non-infringement. The member companies of® and/or its affiliates do not endorse and make no warranty as to the accuracy, completeness, currency, or reliability of the information and/or products found on this Web Site.® and/or its affiliates makes no representations or warranties that use of the information and/or products on this Web Site will be uninterrupted or error-free. You are responsible for taking all necessary precautions to ensure that any information and/or products that you may obtain are free of viruses and/or any other harmful components. This warranty disclaimer may be different in connection with specific products and services offered by® and/or its affiliates. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes. Some states do not allow the disclaimer of implied warranties, so the foregoing disclaimer may not apply to you if you are a resident of any such state. You may also have other legal rights that vary from state to state.

Limitation of Liability

Your use of information on this website is at your own risk.® and/or its affiliates specifically disclaims any liability, whether based in contract, tort, negligence, strict liability or otherwise, for any direct, indirect, incidental, consequential, or special damages arising out of or in any way connected with access to, use of or reliance of information on this website (even if® and/or its affiliates or representative has been advised of the possibility of such damages) or that arise in connection with mistakes or omissions in, or delays in transmission of, information to or from the user, interruptions in telecommunications connections to the Web Site or viruses that may infect your computer equipment or other property, whether caused in whole or in part by negligence, acts of God, telecommunications failure, theft or destruction of, or unauthorized access to information on this website. This limitation of liability may be different in connection with specific products and services offered by® and/or its affiliates. Some states do not allow the limitation of liability, so the foregoing limitation may not apply to you.


"® and/or its affiliates" are the principal service marks used by® and/or its affiliates.® and/or its affiliates also claims service mark, or trademark rights, in a number of related marks as noted in this Web Site by the use of the symbols "®," "SM," or "TM." Nothing contained on this Web Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on this Web Site without the prior written permission of® and/or its affiliates. Unauthorized use of any® and/or its affiliates trademarks, service marks or logos is strictly prohibited and may be a violation of federal and state trademark laws.


This Web Site is protected by U.S. and foreign copyright laws. Except as expressly provided under "Scope of Use" section above, you may not use, reproduce, modify, transmit, distribute, publicly display or perform this Web Site without® and/or its affiliates' prior written permission.

Visitor Submissions

By providing information or materials to this Web Site (other than personal information subject to® and/or its affiliates Privacy Policy), you grant to® and/or its affiliates an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, and transmit such information and materials for any purpose, including without limitation, disclosing any such information and materials as necessary to satisfy any law, regulation, or governmental request. You agree not to submit or transmit any e-mails or materials through the Web Site that (I) are defamatory, threatening, obscene or harassing, (ii) contain a virus, worm, Trojan horse or any other harmful component, (iii) incorporate copyrighted or other proprietary material of any third party without that party's permission or (iv) otherwise violate any applicable laws.® and/or its affiliates shall not be subject to any obligations of confidentiality regarding any information or materials that you submit except as specified in® and/or its affiliates Privacy Policy, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.

Third-Party Services

Certain commercial services, may be offered by third parties through this Web Site.® and/or its affiliates is not and will not be responsible for (i) the terms and conditions of any transaction between you and any such third party, (ii) any insufficiency of or problems with any such third party's background, insurance, credit or licensing, (iii) the quality of services performed by any such third party or (iv) any other legal liability arising out of or related to the performance of such services. Because we are not involved in the actual transaction between you and any such third party, in the event you have a dispute with any such third party, you release® and/or its affiliates, agents, and employees from any and all claims arising out of or in any way connected with such disputes.

Links® and/or its affiliates offers links to other web sites operated by other entities as a convenience to you.® and/or its affiliates makes no representation regarding the content or accuracy of any web site that you may access through this one.® and/or its affiliates does not monitor and is not responsible for the content found on other web sites that are linked from this Web Site. Inclusion of these links on® and/or its affiliates' Web Site does not imply endorsement, recommendation or sponsorship for any linked web site or the services, products or advice described on the site. The views, opinions, statements, offers or other information or content expressed therein are those of the respective author(s) or distributor(s) and not® and/or its affiliates.

Unless otherwise set forth in a written agreement between you and a® and/or its affiliates, you must adhere to® and/or its affiliates' linking policy as follows: (i) any link to the Web Site must be a text only link clearly marked "® and/or its affiliates," (ii) the appearance, position and other aspects of the link may not be such as to damage or dilute the goodwill associated with® and/or its affiliates' names and trademarks, (iii) the link must "point" to the URL ( and not to other pages within the Web Site, (iv) the appearance, position and other attributes of the link may not create the false appearance that your organization or entity is sponsored by, affiliated with, or associated with® and/or its affiliates, (v) when selected by a user, the link must display the Web Site on full-screen and not within a "frame" on the linking web site, and (vi)® and/or its affiliates reserves the right to revoke its consent to the link at any time and in its sole discretion.

Employment Opportunities® and/or its affiliates is committed to the principles of equal employment opportunity. Applications are considered for all positions without regard to race, sex, sexual orientation, color, religion, national origin, age, disability (so long as such disability can be reasonably accommodated) or any other status protected by applicable law.® and/or its affiliates encourages all qualified applicants to apply.


E-mail submissions over the Internet may not be secure and are subject to the risk of interception by third parties. Please consider this fact before e-mailing any personal or confidential information.


You are responsible for maintaining the confidentiality of your user name and password. You may not share your password with or transfer your password to any third party. You are responsible for all uses of your user name and password, and any and all related charges, whether or not authorized by you. You agree to immediately notify® and/or its affiliates of any unauthorized use of your password or user name or any other breach of security.® and/or its affiliates will not be liable for any loss that you may incur as a result of someone else using your password or user name, either with or without your knowledge. However, you could be held liable for losses incurred by® and/or its affiliates or another party due to someone else using your user name or password.

Violations and Additional Policies® and/or its affiliates reserves the right to seek all remedies available at law and in equity for violations of the rules and regulations set forth in this Web Site, including the right to block access from a particular Internet address to the Web Site. Our policies regarding privacy are incorporated into these Legal Terms by reference.® and/or its affiliates does not intend to market any products or services to children and does not knowingly collect personal information from children under the age of 13 through this Web Site.

Governing Law, Location and Miscellaneous

These Legal Terms shall be governed in all respects by the laws of the State of California USA, without reference to its choice of law rules. The Web Site is operated by® and/or its affiliates, on behalf of the IWS® companies from its offices in San Jose, California.® and/or its affiliates makes no representation that the content of this Web Site is appropriate or available for use in other locations, and access to this Web Site from territories where the content of this Web Site may be illegal is prohibited. Those who choose to access this Web Site from other locations do so on their own initiative and are responsible for compliance with applicable local laws. These Legal Terms and all documents incorporated herein by reference constitute the entire agreement between® and/or its affiliates and you with respect to this Web Site.


Any controversy or claim arising out of or relating to these Legal Terms or this Web Site shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in San Jose, California, and judgment on the arbitration award may be entered into any court having jurisdiction thereof.

Changes in Terms and Conditions® and/or its affiliates reserves the right, at its sole discretion, to modify, add or remove any portion of these Terms and Conditions, in whole or part, upon any change,® and/or its affiliates will notify you by a link to such new or different terms and conditions. If you continue to use our services thereafter, your continued use of the service is your acceptance of the changes and agreement to be bound by the Terms and Conditions as amended. If you do not agree to the changes, you agree to discontinue your use of our online services.

Rights You Grant to® and/or its affiliates

Advertising: You agree that® and/or its affiliates may display advertisements and promotions of all kinds in and with the entire website.

You will be required to agree to additional terms regarding the storage and usage of banking and or credit card data. Based on your billing platform, you may be required to agree to additional Terms & Conditions in order to use our site. If any provision of these Terms is held to be unenforceable, then such provision shall be construed, as nearly as possible, to reflect the intentions of the parties with the other provisions remaining in full force and effect. The laws of the state of California apply to these Terms and Conditions. These Terms and Conditions are the entire understanding between you and® and/or its affiliates about the use of the website system and services or information contained herein.

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