Terms & Conditions – Backend Closers

TERMS AND CONDITIONS

GENERAL

THIS WEBSITE (THE “SITE”) IS OWNED AND OPERATED BY BACKEND CLOSERS D/B/A

“BACKENDCLOSERS.COM” (“COMPANY,” “WE” OR “US”). BY USING THE SITE, YOU AGREE TO BE BOUND

BY THESE TERMS OF SERVICE AND TO USE THE SITE IN ACCORDANCE WITH THESE TERMS OF SERVICE, OUR

SITE OR TO PRODUCTS AND SERVICES AVAILABLE THROUGH THE SITE OR FROM COMPANY. ACCESSING THE

SITE, IN ANY MANNER, WHETHER AUTOMATED OR OTHERWISE, CONSTITUTES USE OF THE SITE AND YOUR

AGREEMENT TO BE BOUND BY THESE TERMS OF SERVICE.

WE RESERVE THE RIGHT TO CHANGE THESE TERMS OF SERVICE OR TO IMPOSE NEW CONDITIONS ON USE OF

THE SITE, FROM TIME TO TIME, IN WHICH CASE WE WILL POST THE REVISED TERMS OF SERVICE ON THIS

WEBSITE. BY CONTINUING TO USE THE SITE AFTER WE POST ANY SUCH CHANGES, YOU ACCEPT THE TERMS OF

SERVICE, AS MODIFIED.

INTELLECTUAL PROPERTY RIGHTS.

OUR LIMITED LICENSE TO YOU

THIS SITE AND ALL THE MATERIALS AVAILABLE ON THE SITE ARE THE PROPERTY OF US AND/OR OUR AFFILIATES OR

LICENSORS, AND ARE PROTECTED BY COPYRIGHT, TRADEMARK, AND OTHER INTELLECTUAL PROPERTY LAWS. THE

SITE IS PROVIDED SOLELY FOR YOUR PERSONAL NONCOMMERCIAL USE. YOU MAY NOT USE THE SITE OR THE

MATERIALS AVAILABLE ON THE SITE IN A MANNER THAT CONSTITUTES AN INFRINGEMENT OF OUR RIGHTS OR THAT

HAS NOT BEEN AUTHORIZED BY US. MORE SPECIFICALLY, UNLESS EXPLICITLY AUTHORIZED IN THESE TERMS OF

SERVICE OR BY THE OWNER OF THE MATERIALS, YOU MAY NOT MODIFY, COPY, REPRODUCE, REPUBLISH,

UPLOAD, POST, TRANSMIT, TRANSLATE, SELL, CREATE DERIVATIVE WORKS, EXPLOIT, OR DISTRIBUTE IN ANY

MANNER OR MEDIUM (INCLUDING BY EMAIL OR OTHER ELECTRONIC MEANS) ANY MATERIAL FROM THE SITE.

YOU MAY, HOWEVER, FROM TIME TO TIME, DOWNLOAD AND/OR PRINT ONE COPY OF INDIVIDUAL PAGES OF THE

SITE FOR YOUR PERSONAL, NON-COMMERCIAL USE, PROVIDED THAT YOU KEEP INTACT ALL COPYRIGHT AND OTHER

PROPRIETARY NOTICES.

YOUR LICENSE TO US

BY POSTING OR SUBMITTING ANY MATERIAL (INCLUDING, WITHOUT LIMITATION, COMMENTS, BLOG ENTRIES,

FACEBOOK POSTINGS, PHOTOS, AND VIDEOS) TO US VIA THE SITE, INTERNET GROUPS, SOCIAL MEDIA VENUES,

OR TO ANY OF OUR STAFF VIA EMAIL, TEXT, OR OTHERWISE, YOU ARE REPRESENTING: (I) THAT YOU ARE THE

OWNER OF THE MATERIAL, OR ARE MAKING YOUR POSTING OR SUBMISSION WITH THE EXPRESS CONSENT OF THE

OWNER OF THE MATERIAL; AND (II) THAT YOU ARE THIRTEEN YEARS OF AGE OR OLDER. IN ADDITION, WHEN YOU

SUBMIT, EMAIL, TEXT OR DELIVER OR POST ANY MATERIAL, YOU ARE GRANTING US, AND ANYONE AUTHORIZED

BY US, A ROYALTY-FREE, PERPETUAL, IRREVOCABLE, NON-EXCLUSIVE, UNRESTRICTED, WORLDWIDE LICENSE TO

USE, COPY, MODIFY, TRANSMIT, SELL, EXPLOIT, CREATE DERIVATIVE WORKS FROM, DISTRIBUTE, AND/OR PUBLICLY

PERFORM OR DISPLAY SUCH MATERIAL, IN WHOLE OR IN PART, IN ANY MANNER OR MEDIUM, NOW KNOWN OR

HEREAFTER DEVELOPED, FOR ANY PURPOSE. THE FOREGOING GRANT SHALL INCLUDE THE RIGHT TO EXPLOIT ANY

PROPRIETARY RIGHTS IN SUCH POSTING OR SUBMISSION, INCLUDING, BUT NOT LIMITED TO, RIGHTS UNDER

CONNECTION WITH THE EXERCISE OF SUCH RIGHTS, YOU GRANT US, AND ANYONE AUTHORIZED BY US, THE RIGHT

TO IDENTIFY YOU AS THE AUTHOR OF ANY OF YOUR POSTINGS OR SUBMISSIONS BY NAME, EMAIL ADDRESS OR

SCREEN NAME, AS WE DEEM APPROPRIATE.

YOU ACKNOWLEDGE AND AGREE THAT ANY CONTRIBUTIONS ORIGINALLY CREATED BY YOU FOR US SHALL BE

DEEMED A “WORK MADE FOR HIRE” WHEN THE WORK PERFORMED IS WITHIN THE SCOPE OF THE DEFINITION OF

A WORK MADE FOR HIRE IN SECTION 101 OF THE UNITED STATES COPYRIGHT LAW, AS AMENDED. AS SUCH,

THE COPYRIGHTS IN THOSE WORKS SHALL BELONG TO COMPANY FROM THEIR CREATION. THUS, COMPANY

SHALL BE DEEMED THE AUTHOR AND EXCLUSIVE OWNER THEREOF AND SHALL HAVE THE RIGHT TO EXPLOIT ANY

OR ALL OF THE RESULTS AND PROCEEDS IN ANY AND ALL MEDIA, NOW KNOWN OR HEREAFTER DEVISED,

THROUGHOUT THE UNIVERSE, IN PERPETUITY, IN ALL LANGUAGES, AS COMPANY DETERMINES. IN THE EVENT

THAT ANY OF THE RESULTS AND PROCEEDS OF YOUR SUBMISSIONS HEREUNDER ARE NOT DEEMED A “WORK

MADE FOR HIRE” UNDER SECTION 101 OF THE COPYRIGHT ACT, AS AMENDED, YOU HEREBY, WITHOUT

ADDITIONAL COMPENSATION, IRREVOCABLY ASSIGN, CONVEY AND TRANSFER TO COMPANY ALL PROPRIETARY

RIGHTS, INCLUDING WITHOUT LIMITATION, ALL COPYRIGHTS, AND TRADEMARKS THROUGHOUT THE UNIVERSE, IN

PERPETUITY IN EVERY MEDIUM, WHETHER NOW KNOWN OR HEREAFTER DEVISED, TO SUCH MATERIAL AND ANY

AND ALL RIGHT, TITLE AND INTEREST IN AND TO ALL SUCH PROPRIETARY RIGHTS IN EVERY MEDIUM, WHETHER NOW

KNOWN OR HEREAFTER DEVISED, THROUGHOUT THE UNIVERSE, IN PERPETUITY. ANY POSTED MATERIAL WHICH

ARE REPRODUCTIONS OF PRIOR WORKS BY YOU SHALL BE CO-OWNED BY US.

YOU ACKNOWLEDGE THAT COMPANY HAS THE RIGHT BUT NOT THE OBLIGATION TO USE AND DISPLAY ANY

POSTINGS OR CONTRIBUTIONS OF ANY KIND AND THAT COMPANY MAY ELECT TO CEASE THE USE AND

DISPLAY OF ANY SUCH MATERIALS (OR ANY PORTION THEREOF), AT ANY TIME FOR ANY REASON WHATSOEVER.

LIMITATIONS ON LINKING AND FRAMING. YOU MAY ESTABLISH A HYPERTEXT LINK TO THE SITE SO LONG AS THE

LINK DOES NOT STATE OR IMPLY ANY SPONSORSHIP OF YOUR SITE BY US OR BY THE SITE. HOWEVER, YOU MAY

NOT, WITHOUT OUR PRIOR WRITTEN PERMISSION, FRAME OR INLINE LINK ANY OF THE CONTENT OF THE SITE, OR

INCORPORATE INTO ANOTHER WEBSITE OR OTHER SERVICE ANY OF OUR MATERIAL, CONTENT, OR INTELLECTUAL

PROPERTY.

DISCLAIMERS

THROUGHOUT THE SITE, WE MAY PROVIDE LINKS AND POINTERS TO INTERNET SITES MAINTAINED BY THIRD

PARTIES. OUR LINKING TO SUCH THIRD-PARTY SITES DOES NOT IMPLY AN ENDORSEMENT OR SPONSORSHIP OF

SUCH SITES OR THE INFORMATION, PRODUCTS, OR SERVICES OFFERED ON OR THROUGH THE SITES. IN ADDITION,

NEITHER WE NOR AFFILIATES OPERATE OR CONTROL IN ANY RESPECT ANY INFORMATION, PRODUCTS, OR SERVICES

THAT THIRD PARTIES MAY PROVIDE ON OR THROUGH THE SITE OR ON WEBSITES LINKED TO BY US ON THE SITE.

IF APPLICABLE, ANY OPINIONS, ADVICE, STATEMENTS, SERVICES, OFFERS, OR OTHER INFORMATION OR CONTENT

EXPRESSED OR MADE AVAILABLE BY THIRD PARTIES, INCLUDING INFORMATION PROVIDERS, ARE THOSE OF THE

RESPECTIVE AUTHORS OR DISTRIBUTORS, AND NOT COMPANY. NEITHER COMPANY NOR ANY THIRD-PARTY

PROVIDER OF INFORMATION GUARANTEES THE ACCURACY, COMPLETENESS, OR USEFULNESS OF ANY CONTENT.

FURTHERMORE, COMPANY NEITHER ENDORSES NOR IS RESPONSIBLE FOR THE ACCURACY AND RELIABILITY OF

ANY OPINION, ADVICE, OR STATEMENT MADE ON ANY OF THE SITES BY ANYONE OTHER THAN AN AUTHORIZED

COMPANY REPRESENTATIVE WHILE ACTING IN HIS/HER OFFICIAL CAPACITY.

THE INFORMATION, PRODUCTS, AND SERVICES OFFERED ON OR THROUGH THE SITE

AND BY THE COMPANY AND ANY THIRD-PARTY SITES ARE PROVIDED “AS IS” AND

WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST

EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL

WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED

WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. WE

DO NOT WARRANT THAT THE SITE OR ANY OF ITS FUNCTIONS WILL BE

UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT

ANY PART OF THIS SITE, INCLUDING BULLETIN BOARDS, OR THE SERVERS THAT MAKE

IT AVAILABLE, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

WE DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR

THE RESULTS OF THE USE OF THE SITE OR MATERIALS ON THIS SITE OR ON

THIRD-PARTY SITES IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS,

RELIABILITY, OR OTHERWISE.

YOU AGREE AT ALL TIMES TO DEFEND, INDEMNIFY AND HOLD HARMLESS COMPANY ITS AFFILIATES, THEIR

SUCCESSORS, TRANSFEREES, ASSIGNEES AND LICENSEES, AND THEIR RESPECTIVE PARENT AND SUBSIDIARY

COMPANIES, AGENTS, ASSOCIATES, OFFICERS, DIRECTORS, SHAREHOLDERS, AND EMPLOYEES OF EACH FROM

AND AGAINST ANY AND ALL CLAIMS, CAUSES OF ACTION, DAMAGES, LIABILITIES, COSTS, AND EXPENSES,

INCLUDING LEGAL FEES AND EXPENSES, ARISING OUT OF OR RELATED TO YOUR BREACH OF ANY OBLIGATION,

WARRANTY, REPRESENTATION OR COVENANT SET FORTH HEREIN.

ONLINE COMMERCE

CERTAIN SECTIONS OF THE SITE MAY ALLOW YOU TO PURCHASE MANY DIFFERENT TYPES OF PRODUCTS AND

SERVICES ONLINE THAT ARE PROVIDED BY THIRD PARTIES. WE ARE NOT RESPONSIBLE FOR THE QUALITY,

ACCURACY, TIMELINESS, RELIABILITY, OR ANY OTHER ASPECT OF THESE PRODUCTS AND SERVICES. IF YOU MAKE

A PURCHASE FROM A MERCHANT ON THE SITE OR ON A SITE LINKED TO BY THE SITE, THE INFORMATION

OBTAINED DURING YOUR VISIT TO THAT MERCHANT’S ONLINE STORE OR SITE, AND THE INFORMATION THAT YOU

GIVE AS PART OF THE TRANSACTION, SUCH AS YOUR CREDIT CARD NUMBER AND CONTACT INFORMATION, MAY BE

COLLECTED BY BOTH THE MERCHANT AND US. A MERCHANT MAY HAVE PRIVACY AND DATA COLLECTION

PRACTICES THAT ARE DIFFERENT FROM OURS. WE HAVE NO RESPONSIBILITY OR LIABILITY FOR THESE INDEPENDENT

POLICIES. IN ADDITION, WHEN YOU PURCHASE PRODUCTS OR SERVICES ON OR THROUGH THE SITE, YOU MAY

BE SUBJECT TO ADDITIONAL TERMS AND CONDITIONS THAT SPECIFICALLY APPLY TO YOUR PURCHASE OR USE OF

SUCH PRODUCTS OR SERVICES. FOR MORE INFORMATION REGARDING A MERCHANT, ITS ONLINE STORE, ITS

PRIVACY POLICIES, AND/OR ANY ADDITIONAL TERMS AND CONDITIONS THAT MAY APPLY, VISIT THAT MERCHANT’S

WEBSITE AND CLICK ON ITS INFORMATION LINKS OR CONTACT THE MERCHANT DIRECTLY. YOU RELEASE US AND

OUR AFFILIATES FROM ANY DAMAGES THAT YOU INCUR AND AGREE NOT TO ASSERT ANY CLAIMS AGAINST US OR

THEM, ARISING FROM YOUR PURCHASE OR USE OF ANY PRODUCTS OR SERVICES MADE AVAILABLE BY THIRD

PARTIES THROUGH THE SITE.

YOUR PARTICIPATION, CORRESPONDENCE, OR BUSINESS DEALINGS WITH ANY THIRD PARTY FOUND ON OR

THROUGH OUR SITE, REGARDING PAYMENT AND DELIVERY OF SPECIFIC GOODS AND SERVICES, AND ANY OTHER

TERMS, CONDITIONS, REPRESENTATIONS, OR WARRANTIES ASSOCIATED WITH SUCH DEALINGS, ARE SOLELY

BETWEEN YOU AND SUCH THIRD PARTY. YOU AGREE THAT COMPANY SHALL NOT BE RESPONSIBLE OR LIABLE

FOR ANY LOSS, DAMAGE, OR OTHER MATTERS OF ANY SORT INCURRED AS THE RESULT OF SUCH DEALINGS.

YOU AGREE TO BE FINANCIALLY RESPONSIBLE FOR ALL PURCHASES MADE BY YOU OR SOMEONE ACTING ON

YOUR BEHALF THROUGH THE SITE. YOU AGREE TO USE THE SITE AND TO PURCHASE SERVICES OR PRODUCTS

THROUGH THE SITE FOR LEGITIMATE, NON-COMMERCIAL PURPOSES ONLY. YOU ALSO AGREE NOT TO MAKE ANY

PURCHASES FOR SPECULATIVE, FALSE, OR FRAUDULENT PURPOSES OR FOR THE PURPOSE OF ANTICIPATING

DEMAND FOR A PARTICULAR PRODUCT OR SERVICE. YOU AGREE TO ONLY PURCHASE GOODS OR SERVICES FOR

YOURSELF OR FOR ANOTHER PERSON FOR WHOM YOU ARE LEGALLY PERMITTED TO DO SO. WHEN MAKING A

PURCHASE FOR A THIRD PARTY THAT REQUIRES YOU TO SUBMIT THE THIRD PARTY’S PERSONAL INFORMATION TO US

OR A MERCHANT, YOU REPRESENT THAT YOU HAVE OBTAINED THE EXPRESS CONSENT OF A SUCH THIRD PARTY

TO PROVIDE SUCH THIRD PARTY’S PERSONAL INFORMATION.

YOUR PURCHASE IS FOR PERSONAL USE ONLY. SHARING OF PURCHASES IS NOT PERMITTED AND WILL BE

CONSIDERED UNAUTHORIZED, AN INFRINGING USE OF OUR COPYRIGHTED MATERIAL, AND MAY SUBJECT

VIOLATORS TO LIABILITY.

IF PAYMENT FOR A COURSE IS DECLINED, OUR SYSTEM WILL AUTOMATICALLY DISABLE ACCESS TO OUR PREMIUM

MATERIALS. (WE UNDERSTAND. THIS USUALLY HAPPENS BECAUSE A CREDIT CARD EXPIRES.) WE WANT TO

HELP RESTORE YOUR ACCESS, SO WE’LL MAKE EVERY ATTEMPT TO CONTACT YOU TO HELP RESOLVE THIS ISSUE.

ONCE THE BILLING ISSUE IS RESOLVED, WE’LL RESTORE ACCESS.

INTERACTIVE FEATURES

THIS SITE MAY INCLUDE A VARIETY OF FEATURES, SUCH AS BULLETIN BOARDS, WEB LOGS, CHAT ROOMS, AND

EMAIL SERVICES, WHICH ALLOW FEEDBACK TO US AND REAL-TIME INTERACTION BETWEEN USERS, AND OTHER

FEATURES WHICH ALLOW USERS TO COMMUNICATE WITH OTHERS. RESPONSIBILITY FOR WHAT IS POSTED ON

BULLETIN BOARDS, WEB LOGS, CHAT ROOMS, AND OTHER PUBLIC POSTING AREAS ON THE SITE, OR SENT VIA

ANY EMAIL SERVICES ON THE SITE, LIES WITH EACH USER – YOU ALONE ARE RESPONSIBLE FOR THE MATERIAL

YOU POST OR SEND. WE DO NOT CONTROL THE MESSAGES, INFORMATION OR FILES THAT YOU OR OTHERS MAY

PROVIDE THROUGH THE SITE. IT IS A CONDITION OF YOUR USE OF THE SITE THAT YOU DO NOT:

● RESTRICT OR INHIBIT ANY OTHER USER FROM USING AND ENJOYING THE SITE.

● USE THE SITE TO IMPERSONATE ANY PERSON OR ENTITY, OR FALSELY STATE OR OTHERWISE MISREPRESENT

YOUR AFFILIATION WITH A PERSON OR ENTITY.

INTERFERE WITH OR DISRUPT ANY SERVERS OR NETWORKS USED TO PROVIDE THE SITE OR ITS FEATURES, OR

DISOBEY ANY REQUIREMENTS, PROCEDURES, POLICIES, OR REGULATIONS OF THE NETWORKS WE USE TO

PROVIDE THE SITE.

● USE THE SITE TO INSTIGATE OR ENCOURAGE OTHERS TO COMMIT ILLEGAL ACTIVITIES OR CAUSE INJURY OR

PROPERTY DAMAGE TO ANY PERSON.

● GAIN UNAUTHORIZED ACCESS TO THE SITE, OR ANY ACCOUNT, COMPUTER SYSTEM, OR NETWORK

CONNECTED TO THIS SITE, BY MEANS SUCH AS HACKING, PASSWORD MINING, OR OTHER ILLICIT MEANS.

● OBTAIN OR ATTEMPT TO OBTAIN ANY MATERIALS OR INFORMATION THROUGH ANY MEANS NOT INTENTIONALLY

MADE AVAILABLE THROUGH THIS SITE.

● USE THE SITE TO POST OR TRANSMIT ANY UNLAWFUL, THREATENING, ABUSIVE, LIBELOUS, DEFAMATORY,

OBSCENE, VULGAR, PORNOGRAPHIC, PROFANE, OR INDECENT INFORMATION OF ANY KIND, INCLUDING WITHOUT

LIMITATION ANY TRANSMISSIONS CONSTITUTING OR ENCOURAGING CONDUCT THAT WOULD CONSTITUTE A CRIMINAL

OFFENSE, GIVE RISE TO CIVIL LIABILITY OR OTHERWISE VIOLATE ANY LOCAL, STATE, NATIONAL OR INTERNATIONAL

LAW.

● USE THE SITE TO POST OR TRANSMIT ANY INFORMATION, SOFTWARE, OR OTHER MATERIAL THAT VIOLATES OR

INFRINGES UPON THE RIGHTS OF OTHERS, INCLUDING MATERIAL THAT IS AN INVASION OF PRIVACY OR PUBLICITY

RIGHTS OR THAT IS PROTECTED BY COPYRIGHT, TRADEMARK, OR OTHER PROPRIETARY RIGHTS, OR DERIVATIVE WORKS

WITH RESPECT THERETO, WITHOUT FIRST OBTAINING PERMISSION FROM THE OWNER OR RIGHTS HOLDER.

● USE THE SITE TO POST OR TRANSMIT ANY INFORMATION, SOFTWARE, OR OTHER MATERIAL THAT CONTAINS A

VIRUS OR OTHER HARMFUL COMPONENT.

● USE THE SITE TO POST, TRANSMIT, OR IN ANY WAY EXPLOIT ANY INFORMATION, SOFTWARE, OR OTHER

MATERIAL FOR COMMERCIAL PURPOSES, OR THAT CONTAINS ADVERTISING.

● USE THE SITE TO ADVERTISE OR SOLICIT ANYONE TO BUY OR SELL PRODUCTS OR SERVICES, OR TO MAKE

DONATIONS OF ANY KIND, WITHOUT OUR EXPRESS WRITTEN APPROVAL.

● GATHER FOR MARKETING PURPOSES ANY EMAIL ADDRESSES OR OTHER PERSONAL INFORMATION THAT HAS

BEEN POSTED BY OTHER USERS OF THE SITE.

COMPANY MAY HOST MESSAGE BOARDS, CHATS, AND OTHER PUBLIC FORUMS ON ITS SITES. ANY USER

FAILING TO COMPLY WITH THE TERMS AND CONDITIONS OF THIS AGREEMENT MAY BE EXPELLED FROM AND

REFUSED CONTINUED ACCESS TO, THE MESSAGE BOARDS, CHATS, OR OTHER PUBLIC FORUMS IN THE FUTURE.

COMPANY OR ITS DESIGNATED AGENTS MAY REMOVE OR ALTER ANY USER-CREATED CONTENT AT ANY TIME

FOR ANY REASON. MESSAGE BOARDS, CHATS, AND OTHER PUBLIC FORUMS ARE INTENDED TO SERVE AS

DISCUSSION CENTERS FOR USERS AND SUBSCRIBERS. INFORMATION AND CONTENT POSTED WITHIN THESE PUBLIC

FORUMS MAY BE PROVIDED BY COMPANY STAFF, COMPANY’S OUTSIDE CONTRIBUTORS, OR BY USERS NOT

CONNECTED WITH COMPANY, SOME OF WHOM MAY EMPLOY ANONYMOUS USER NAMES. COMPANY

EXPRESSLY DISCLAIMS ALL RESPONSIBILITY AND ENDORSEMENT AND MAKES NO REPRESENTATION AS TO THE

VALIDITY OF ANY OPINION, ADVICE, INFORMATION, OR STATEMENT MADE OR DISPLAYED IN THESE FORUMS BY

THIRD PARTIES, NOR ARE WE RESPONSIBLE FOR ANY ERRORS OR OMISSIONS IN SUCH POSTINGS, OR FOR

HYPERLINKS EMBEDDED IN ANY MESSAGES. UNDER NO CIRCUMSTANCES WILL WE, OUR AFFILIATES,

SUPPLIERS, OR AGENTS BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON INFORMATION

OBTAINED THROUGH THESE FORUMS. THE OPINIONS EXPRESSED IN THESE FORUMS ARE SOLELY THE OPINIONS

OF THE PARTICIPANTS AND DO NOT REFLECT THE OPINIONS OF COMPANY OR ANY OF ITS SUBSIDIARIES OR

AFFILIATES.

COMPANY HAS NO OBLIGATION WHATSOEVER TO MONITOR ANY OF THE CONTENT OR POSTINGS ON THE

MESSAGE BOARDS, CHAT ROOMS, OR OTHER PUBLIC FORUMS ON THE SITES. HOWEVER, YOU ACKNOWLEDGE

AND AGREE THAT WE HAVE THE ABSOLUTE RIGHT TO MONITOR THE SAME AT OUR SOLE DISCRETION. IN ADDITION,

WE RESERVE THE RIGHT TO ALTER, EDIT, REFUSE TO POST, OR REMOVE ANY POSTINGS OR CONTENT, IN WHOLE OR

IN PART, FOR ANY REASON AND TO DISCLOSE SUCH MATERIALS AND THE CIRCUMSTANCES SURROUNDING THEIR

TRANSMISSION TO ANY THIRD PARTY IN ORDER TO SATISFY ANY APPLICABLE LAW, REGULATION, LEGAL PROCESS OR

GOVERNMENTAL REQUEST AND TO PROTECT OURSELVES, OUR CLIENTS, SPONSORS, USERS, AND VISITORS.

WE OCCASIONALLY INCLUDE ACCESS TO AN ONLINE COMMUNITY AS PART OF OUR PROGRAMS. WE WANT EVERY

SINGLE MEMBER TO ADD VALUE TO THE GROUP. OUR GOAL IS TO MAKE YOUR COMMUNITY THE MOST

VALUABLE COMMUNITY YOU’RE A MEMBER OF. THEREFORE, WE RESERVE THE RIGHT TO REMOVE ANYONE AT

ANY TIME. WE RARELY DO THIS, BUT WE WANT TO LET YOU KNOW HOW SERIOUSLY WE TAKE OUR

COMMUNITIES.

REGISTRATION

TO ACCESS CERTAIN FEATURES OF THE SITE, WE MAY ASK YOU TO PROVIDE CERTAIN DEMOGRAPHIC

INFORMATION INCLUDING YOUR GENDER, YEAR OF BIRTH, ZIP CODE, AND COUNTRY. IN ADDITION, IF YOU ELECT TO

SIGN-UP FOR A PARTICULAR FEATURE OF THE SITE, SUCH AS CHAT ROOMS, WEBLOGS, OR BULLETIN BOARDS, YOU

MAY ALSO BE ASKED TO REGISTER WITH US ON THE FORM PROVIDED AND SUCH REGISTRATION MAY REQUIRE

YOU TO PROVIDE PERSONALLY IDENTIFIABLE INFORMATION SUCH AS YOUR NAME AND EMAIL ADDRESS. YOU

AGREE TO PROVIDE TRUE, ACCURATE, CURRENT, AND COMPLETE INFORMATION ABOUT YOURSELF AS PROMPTED

BY THE SITE’S REGISTRATION FORM. IF WE HAVE REASONABLE GROUNDS TO SUSPECT THAT SUCH INFORMATION IS

UNTRUE, INACCURATE, OR INCOMPLETE, WE HAVE THE RIGHT TO SUSPEND OR TERMINATE YOUR ACCOUNT AND

REFUSE ANY AND ALL CURRENT OR FUTURE USE OF THE SITE (OR ANY PORTION THEREOF). OUR USE OF ANY

PERSONALLY IDENTIFIABLE INFORMATION YOU PROVIDE TO US AS PART OF THE REGISTRATION PROCESS IS

GOVERNED BY THE TERMS OF OUR PRIVACY POLICY.

PASSWORDS

TO USE CERTAIN FEATURES OF THE SITE, YOU WILL NEED A USERNAME AND PASSWORD, WHICH YOU WILL

RECEIVE THROUGH THE SITE’S REGISTRATION PROCESS. YOU ARE RESPONSIBLE FOR MAINTAINING THE

CONFIDENTIALITY OF THE PASSWORD AND ACCOUNT AND ARE RESPONSIBLE FOR ALL ACTIVITIES (WHETHER BY YOU

OR BY OTHERS) THAT OCCUR UNDER YOUR PASSWORD OR ACCOUNT. YOU AGREE TO NOTIFY US IMMEDIATELY OF

ANY UNAUTHORIZED USE OF YOUR PASSWORD OR ACCOUNT OR ANY OTHER BREACH OF SECURITY, AND TO

ENSURE THAT YOU EXIT FROM YOUR ACCOUNT AT THE END OF EACH SESSION. WE CANNOT AND WILL NOT BE

LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR FAILURE TO PROTECT YOUR PASSWORD OR ACCOUNT

INFORMATION.

LIMITATION OF LIABILITY

UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL

WE, OUR SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES BE LIABLE FOR ANY

DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES THAT

RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE SITE, INCLUDING OUR

MESSAGING, BLOGS, COMMENTS OF OTHERS, BOOKS, EMAILS, PRODUCTS, OR

SERVICES, OR THIRD-PARTY MATERIALS, PRODUCTS, OR SERVICES MADE AVAILABLE

THROUGH THE SITE OR BY US IN ANY WAY, EVEN IF WE ARE ADVISED BEFOREHAND

OF THE POSSIBILITY OF SUCH DAMAGES. (BECAUSE SOME STATES DO NOT ALLOW

THE EXCLUSION OR LIMITATION OF CERTAIN CATEGORIES OF DAMAGES, THE ABOVE

LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, OUR LIABILITY AND THE

LIABILITY OF OUR SUBSIDIARY AND PARENT COMPANIES OR AFFILIATES IS LIMITED

TO THE FULLEST EXTENT PERMITTED BY SUCH STATE LAW.) YOU SPECIFICALLY

ACKNOWLEDGE AND AGREE THAT WE ARE NOT LIABLE FOR ANY DEFAMATORY,

OFFENSIVE, OR ILLEGAL CONDUCT OF ANY USER. IF YOU ARE DISSATISFIED WITH

THE SITE, ANY MATERIALS, PRODUCTS, OR SERVICES ON THE SITE, OR WITH ANY OF

THE SITE’S TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO

DISCONTINUE USING THE SITE AND THE PRODUCTS, SERVICES, AND/OR MATERIALS

COMPANY IS NOT AN INVESTMENT ADVISORY SERVICE, IS NOT AN INVESTMENT

ADVISER, AND DOES NOT PROVIDE PERSONALIZED FINANCIAL ADVICE OR ACT AS A

FINANCIAL ADVISOR.

WE EXIST FOR EDUCATIONAL PURPOSES ONLY, AND THE MATERIALS AND

INFORMATION CONTAINED HEREIN AND IN OUR PRODUCTS AND SERVICES ARE FOR

GENERAL INFORMATIONAL PURPOSES ONLY. NONE OF THE INFORMATION PROVIDED

BY US IS INTENDED AS INVESTMENT, TAX, ACCOUNTING OR LEGAL ADVICE, AS AN

OFFER OR SOLICITATION OF AN OFFER TO BUY OR SELL, OR AS AN ENDORSEMENT,

RECOMMENDATION, OR SPONSORSHIP OF ANY COMPANY, SECURITY, OR FUND. OUR

INFORMATION SHOULD NOT BE RELIED UPON FOR PURPOSES OF TRANSACTING IN

SECURITIES OR OTHER INVESTMENTS.

WE DO NOT OFFER OR PROVIDE TAX, LEGAL, OR INVESTMENT ADVICE AND YOU ARE

RESPONSIBLE FOR CONSULTING TAX, LEGAL, OR FINANCIAL PROFESSIONALS

BEFORE ACTING ON ANY INFORMATION PROVIDED BY US. THIS SITE IS CONTINUALLY

UNDER DEVELOPMENT AND THE COMPANY MAKES NO WARRANTY OF ANY KIND,

IMPLIED OR EXPRESS, AS TO ITS ACCURACY, COMPLETENESS, OR

APPROPRIATENESS FOR ANY PURPOSE.

YOU ACKNOWLEDGE AND AGREE THAT NO REPRESENTATION HAS BEEN MADE BY COMPANY OR ITS

AFFILIATES AND RELIED UPON AS TO THE FUTURE INCOME, EXPENSES, SALES VOLUME, OR POTENTIAL

PROFITABILITY THAT MAY BE DERIVED FROM THE PARTICIPATION IN THIS PROGRAM.

TERMINATION

WE MAY CANCEL OR TERMINATE YOUR RIGHT TO USE THE SITE OR ANY PART OF THE SITE AT ANY TIME WITHOUT

NOTICE. IN THE EVENT OF CANCELLATION OR TERMINATION, YOU ARE NO LONGER AUTHORIZED TO ACCESS THE

PART OF THE SITE AFFECTED BY SUCH CANCELLATION OR TERMINATION. THE RESTRICTIONS IMPOSED ON YOU

WITH RESPECT TO MATERIAL DOWNLOADED FROM THE SITE, AND THE DISCLAIMERS AND LIMITATIONS OF

LIABILITIES SET FORTH IN THESE TERMS OF SERVICE, SHALL SURVIVE.

REFUND POLICY

YOUR PURCHASE OF A PRODUCT OR SERVICE OR TICKET TO AN EVENT MAY OR MAY NOT PROVIDE FOR ANY

REFUND. EACH SPECIFIC PRODUCT, SERVICE, EVENT OR COURSE WILL SPECIFY ITS OWN REFUND POLICY.

OTHER

THE DIGITAL MILLENNIUM COPYRIGHT ACT OF 1998 (THE “DMCA”) PROVIDES RECOURSE FOR COPYRIGHT

OWNERS WHO BELIEVE THAT MATERIAL APPEARING ON THE INTERNET INFRINGES THEIR RIGHTS UNDER THE U.S.

REMOVED OR ACCESS TO IT BE BLOCKED. ANY NOTIFICATION BY A COPYRIGHT OWNER OR A PERSON

AUTHORIZED TO ACT ON ITS BEHALF THAT FAILS TO COMPLY WITH REQUIREMENTS OF THE DMCA SHALL NOT BE

CONSIDERED SUFFICIENT NOTICE AND SHALL NOT BE DEEMED TO CONFER UPON COMPANY ACTUAL

KNOWLEDGE OF FACTS OR CIRCUMSTANCES FROM WHICH INFRINGING MATERIAL OR ACTS ARE EVIDENT. IF YOU

BELIEVE IN GOOD FAITH THAT A NOTICE OF COPYRIGHT INFRINGEMENT HAS BEEN WRONGLY FILED AGAINST YOU,

THE DMCA PERMITS YOU TO SEND TO COMPANY A COUNTER-NOTICE. ALL NOTICES AND COUNTER NOTICES

MUST MEET THE THEN CURRENT STATUTORY REQUIREMENTS IMPOSED BY THE DMCA; SEE

HTTP://WWW.LOC.GOV/COPYRIGHT FOR DETAILS. COMPANY’S COPYRIGHT AGENT FOR NOTICE OF CLAIMS OF

THIS AGREEMENT SHALL BE BINDING UPON AND INURE TO THE BENEFIT OF COMPANY AND OUR RESPECTIVE

ASSIGNS, SUCCESSORS, HEIRS, AND LEGAL REPRESENTATIVES. NEITHER THIS AGREEMENT NOR ANY RIGHTS

HEREUNDER MAY BE ASSIGNED WITHOUT THE PRIOR WRITTEN CONSENT OF COMPANY. NOTWITHSTANDING THE

FOREGOING, ALL RIGHTS AND OBLIGATIONS UNDER THIS AGREEMENT MAY BE FREELY ASSIGNED BY COMPANY

TO ANY AFFILIATED ENTITY OR ANY OF ITS WHOLLY OWNED SUBSIDIARIES

THESE TERMS OF USE SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE

STATE OF [YOUR COUNTRY/STATE] AND ANY DISPUTE SHALL BE SUBJECT TO BINDING ARBITRATION IN

[YOUR COUNTRY/STATE], [YOUR COUNTRY/STATE]. IF ANY PROVISION OF THIS AGREEMENT SHALL

BE UNLAWFUL, VOID OR FOR ANY REASON UNENFORCEABLE, THEN THAT PROVISION SHALL BE DEEMED

SEVERABLE FROM THIS AGREEMENT AND SHALL NOT AFFECT THE VALIDITY AND ENFORCEABILITY OF ANY

REMAINING PROVISIONS.

DISCLAIMER

ALTHOUGH IT IS HIGHLY UNLIKELY, THIS POLICY MAY BE CHANGED AT ANY TIME AT OUR DISCRETION. IF WE

SHOULD UPDATE THIS POLICY, WE WILL POST THE UPDATES TO THIS PAGE ON OUR WEBSITE.

IF YOU HAVE ANY QUESTIONS OR CONCERNS REGARDING OUR PRIVACY POLICY PLEASE DIRECT THEM TO:

SUPPORT@BACKENDCLOSERS.COM

BACKEND CLOSERS UNDERSTANDS THAT YOUR PRIVACY IS IMPORTANT TO YOU. WE ARE COMMITTED TO

PROTECTING THE PRIVACY OF YOUR PERSONALLY IDENTIFIABLE INFORMATION AS YOU USE THIS WEBSITE. THIS

THIS WEBSITE, YOU CONSENT TO THE TERMS DESCRIBED IN THE MOST RECENT VERSION OF THIS PRIVACY

POLICY. YOU SHOULD ALSO READ OUR TERMS OF USE TO UNDERSTAND THE GENERAL RULES ABOUT YOUR USE OF

THIS WEBSITE, AND ANY ADDITIONAL TERMS THAT MAY APPLY WHEN YOU ACCESS PARTICULAR SERVICES OR

MATERIALS ON CERTAIN AREAS OF THIS WEBSITE. “WE,” “OUR” MEANS BACKEND CLOSERS AND ITS

AFFILIATES. “YOU,” “YOUR,” VISITOR,” OR “USER” MEANS THE INDIVIDUAL ACCESSING THIS SITE.

PERSONAL AND NON-PERSONAL INFORMATION

OUR PRIVACY POLICY IDENTIFIES HOW WE TREAT YOUR PERSONAL AND NON-PERSONAL INFORMATION.

WHAT IS NON-PERSONAL INFORMATION AND HOW IS IT COLLECTED AND USED?

NON-PERSONAL INFORMATION IS INFORMATION THAT CANNOT IDENTIFY YOU. IF YOU VISIT THIS WEBSITE TO READ

INFORMATION, SUCH AS INFORMATION ABOUT ONE OF OUR SERVICES, WE MAY COLLECT CERTAIN NON-PERSONAL

INFORMATION ABOUT YOU FROM YOUR COMPUTER’S WEB BROWSER. BECAUSE NON-PERSONAL INFORMATION

CANNOT IDENTIFY YOU OR BE TIED TO YOU IN ANY WAY, THERE ARE NO RESTRICTIONS ON THE WAYS THAT WE

CAN USE OR SHARE NON-PERSONAL INFORMATION. WHAT IS PERSONAL INFORMATION AND HOW IS IT

COLLECTED? PERSONAL INFORMATION IS INFORMATION THAT IDENTIFIES YOU AS AN INDIVIDUAL, SUCH AS YOUR

NAME, MAILING ADDRESS, E-MAIL ADDRESS, TELEPHONE NUMBER, AND FAX NUMBER. WE MAY COLLECT

PERSONAL INFORMATION FROM YOU IN A VARIETY OF WAYS: • WHEN YOU SEND US AN APPLICATION OR OTHER

FORM • WHEN YOU CONDUCT A TRANSACTION WITH US, OUR AFFILIATES, OR OTHERS • WHEN WE COLLECT

INFORMATION ABOUT IN YOU IN SUPPORT OF A TRANSACTION, SUCH AS CREDIT CARD INFORMATION • IN SOME

PLACES ON THIS WEBSITE YOU HAVE THE OPPORTUNITY TO SEND US PERSONAL INFORMATION ABOUT YOURSELF,

TO ELECT TO RECEIVE PARTICULAR INFORMATION, TO PURCHASE ACCESS TO ONE OF OUR PRODUCTS OR SERVICES,

OR TO PARTICIPATE IN AN ACTIVITY.

ARE COOKIES OR OTHER TECHNOLOGIES USED TO COLLECT PERSONAL

INFORMATION?

YES, WE MAY USE COOKIES AND RELATED TECHNOLOGIES, SUCH AS WEB BEACONS, TO COLLECT INFORMATION

ON OUR WEBSITE. A COOKIE IS A TEXT FILE THAT IS PLACED ON YOUR HARD DISK BY A WEB PAGE SERVER.

COOKIES CANNOT BE USED TO RUN PROGRAMS OR DELIVER VIRUSES TO YOUR COMPUTER. COOKIES ARE

UNIQUELY ASSIGNED TO YOU, AND CAN ONLY BE READ BY A WEB SERVER IN THE DOMAIN THAT ISSUED THE

COOKIE TO YOU. ONE OF THE PRIMARY PURPOSES OF COOKIES IS TO PROVIDE A CONVENIENCE FEATURE TO

SAVE YOU TIME. THE PURPOSE OF A COOKIE IS TO TELL THE WEB SERVER THAT YOU HAVE RETURNED TO A

SPECIFIC PAGE. FOR EXAMPLE, IF YOU REGISTER WITH US, A COOKIE HELPS BACKEND CLOSERS TO RECALL

YOUR SPECIFIC INFORMATION ON SUBSEQUENT VISITS. THIS SIMPLIFIES THE PROCESS OF RECORDING YOUR

PERSONAL INFORMATION, SUCH AS BILLING ADDRESSES, SHIPPING ADDRESSES, AND SO ON. WHEN YOU

RETURN TO THE SAME BACKEND CLOSERS WEBSITE, THE INFORMATION YOU PREVIOUSLY PROVIDED CAN BE

RETRIEVED, SO YOU CAN EASILY USE THE FEATURES THAT YOU CUSTOMIZED. A WEB BEACON IS A SMALL

GRAPHIC IMAGE THAT ALLOWS THE PARTY THAT SET THE WEB BEACON TO MONITOR AND COLLECT CERTAIN

INFORMATION ABOUT THE VIEWER OF THE WEB PAGE, WEB-BASED DOCUMENT OR E-MAIL MESSAGE, SUCH

AS THE TYPE OF BROWSER REQUESTING THE WEB BEACON, THE IP ADDRESS OF THE COMPUTER THAT THE WEB

BEACON IS SENT TO AND THE TIME THE WEB BEACON WAS VIEWED. WEB BEACONS CAN BE VERY SMALL

AND INVISIBLE TO THE USER, BUT, IN GENERAL, ANY ELECTRONIC IMAGE VIEWED AS PART OF A WEB PAGE OR

E-MAIL, INCLUDING HTML-BASED CONTENT, CAN ACT AS A WEB BEACON. WE MAY USE WEB BEACONS TO

COUNT VISITORS TO THE WEB PAGES ON THE WEBSITE OR TO MONITOR HOW OUR USERS NAVIGATE THE

WEBSITE, AND WE MAY INCLUDE WEB BEACONS IN E-MAIL MESSAGES IN ORDER TO COUNT HOW MANY

MESSAGES SENT WERE ACTUALLY OPENED, ACTED UPON, OR FORWARDED.

THIRD-PARTY VENDORS ALSO MAY USE COOKIES ON OUR WEBSITE. FOR INSTANCE, WE MAY CONTRACT WITH

THIRD PARTIES WHO WILL USE COOKIES ON OUR WEBSITE TO TRACK AND ANALYZE ANONYMOUS USAGE AND

VOLUME STATISTICAL INFORMATION FROM OUR VISITORS AND MEMBERS. SUCH INFORMATION IS SHARED

EXTERNALLY ONLY ON AN ANONYMOUS, AGGREGATED BASIS. THESE THIRD PARTIES USE PERSISTENT COOKIES

TO HELP US TO IMPROVE THE VISITOR EXPERIENCE, MANAGE OUR SITE CONTENT, AND TO TRACK VISITOR

BEHAVIOR. WE MAY ALSO CONTRACT WITH A THIRD PARTY TO SEND E-MAIL TO OUR REGISTERED

[USERS/MEMBERS].

TO HELP MEASURE AND IMPROVE THE EFFECTIVENESS OF OUR E-MAIL COMMUNICATIONS, THE THIRD PARTY

SETS COOKIES. ALL DATA COLLECTED BY THIS THIRD PARTY ON BEHALF OF BACKEND CLOSERS IS USED SOLELY

BY OR ON BEHALF OF BACKEND CLOSERS AND IS SHARED EXTERNALLY ONLY ON AN ANONYMOUS,

AGGREGATED BASIS. FROM TIME TO TIME WE MAY ALLOW THIRD PARTIES TO POST ADVERTISEMENTS ON OUR

WEBSITE, AND THOSE THIRD-PARTY ADVERTISEMENTS MAY INCLUDE A COOKIE OR WEB BEACON SERVED BY

THE THIRD PARTY. THIS PRIVACY POLICY DOES NOT COVER THE USE OF INFORMATION COLLECTED FROM YOU BY

THIRD-PARTY AD SERVERS. WE DO NOT CONTROL COOKIES IN SUCH THIRD-PARTY ADS, AND YOU SHOULD CHECK

THE PRIVACY POLICIES OF THOSE ADVERTISERS AND/OR AD SERVICES TO LEARN ABOUT THEIR USE OF COOKIES

AND OTHER TECHNOLOGY BEFORE LINKING TO AN AD. WE WILL NOT SHARE YOUR PERSONAL INFORMATION WITH

THESE COMPANIES, BUT THESE COMPANIES MAY USE INFORMATION ABOUT YOUR VISITS TO THIS AND OTHER

WEBSITES IN ORDER TO PROVIDE ADVERTISEMENTS ON THIS SITE AND OTHER SITES ABOUT GOODS AND

SERVICES THAT MAY BE OF INTEREST TO YOU, AND THEY MAY SHARE YOUR PERSONAL INFORMATION THAT YOU

PROVIDE TO THEM WITH OTHERS.

YOU HAVE THE ABILITY TO ACCEPT OR DECLINE COOKIES. MOST WEB BROWSERS AUTOMATICALLY ACCEPT

COOKIES, BUT YOU CAN USUALLY MODIFY YOUR BROWSER SETTING TO DECLINE COOKIES IF YOU PREFER. IF YOU

CHOOSE TO DECLINE COOKIES, YOU MAY NOT BE ABLE TO FULLY EXPERIENCE THE INTERACTIVE FEATURES OF THE

BACKEND CLOSERS WEBSITES YOU VISIT.

HOW DOES BACKEND CLOSERS USE PERSONAL INFORMATION?

BACKEND CLOSERS MAY KEEP AND USE THE PERSONAL INFORMATION WE COLLECT FROM OR ABOUT YOU TO

PROVIDE YOU WITH ACCESS TO THIS WEBSITE OR OTHER PRODUCTS OR SERVICES, TO RESPOND TO YOUR

REQUESTS, BILL YOU FOR PRODUCTS/SERVICES YOU PURCHASED, AND TO PROVIDE ONGOING SERVICE AND

SUPPORT, TO CONTACT YOU WITH INFORMATION THAT MIGHT BE OF INTEREST TO YOU, INCLUDING INFORMATION

ABOUT PRODUCTS AND SERVICES OF OURS AND OF OTHERS, OR ASK FOR YOUR OPINION ABOUT OUR PRODUCTS OR

THE PRODUCTS OF OTHERS, FOR RECORD KEEPING AND ANALYTICAL PURPOSES AND TO RESEARCH, DEVELOP AND

IMPROVE PROGRAMS, PRODUCTS, SERVICES, AND CONTENT.

PERSONAL INFORMATION COLLECTED ONLINE MAY BE COMBINED WITH INFORMATION YOU PROVIDE TO US

THROUGH OTHER SOURCES WE MAY ALSO REMOVE YOUR PERSONAL IDENTIFIERS (YOUR NAME, EMAIL

ADDRESS, SOCIAL SECURITY NUMBER, ETC). IN THIS CASE, YOU WOULD NO LONGER BE IDENTIFIED AS A SINGLE

UNIQUE INDIVIDUAL. ONCE WE HAVE DE-IDENTIFIED INFORMATION, IT IS NON-PERSONAL INFORMATION AND WE

MAY TREAT IT LIKE OTHER NON-PERSONAL INFORMATION. FINALLY, WE MAY USE YOUR PERSONAL INFORMATION TO

PROTECT OUR RIGHTS OR PROPERTY, OR TO PROTECT SOMEONE’S HEALTH, SAFETY OR WELFARE, AND TO COMPLY

WITH A LAW OR REGULATION, COURT ORDER, OR OTHER LEGAL PROCESSES.

DOES BACKEND CLOSERS SHARE PERSONAL INFORMATION WITH OTHERS?

WE WILL NOT SHARE YOUR PERSONAL INFORMATION COLLECTED FROM THIS WEBSITE WITH AN UNRELATED THIRD

PARTY WITHOUT YOUR PERMISSION, EXCEPT AS OTHERWISE PROVIDED IN THIS PRIVACY POLICY. IN THE

ORDINARY COURSE OF BUSINESS, WE MAY SHARE SOME PERSONAL INFORMATION WITH COMPANIES THAT WE

HIRE TO PERFORM SERVICES OR FUNCTIONS ON OUR BEHALF. IN ALL CASES IN WHICH WE SHARE YOUR PERSONAL

INFORMATION WITH A THIRD PARTY FOR THE PURPOSE OF PROVIDING A SERVICE TO US, WE WILL NOT AUTHORIZE

THEM TO KEEP, DISCLOSE OR USE YOUR INFORMATION WITH OTHERS EXCEPT FOR THE PURPOSE OF PROVIDING

THE SERVICES WE ASKED THEM TO PROVIDE.

WE WILL NOT SELL, EXCHANGE OR PUBLISH YOUR PERSONAL INFORMATION, EXCEPT IN CONJUNCTION WITH A

CORPORATE SALE, MERGER, DISSOLUTION, OR ACQUISITION. FOR SOME SORTS OF TRANSACTIONS, IN ADDITION TO

OUR DIRECT COLLECTION OF INFORMATION, OUR THIRD-PARTY SERVICE VENDORS (SUCH AS CREDIT CARD

COMPANIES, CLEARINGHOUSES, AND BANKS) WHO MAY PROVIDE SUCH SERVICES AS CREDIT, INSURANCE,

AND ESCROW SERVICES MAY COLLECT PERSONAL INFORMATION DIRECTLY FROM YOU TO ASSIST YOU WITH YOUR

TRANSACTION. WE DO NOT CONTROL HOW THESE THIRD PARTIES USE SUCH INFORMATION, BUT WE DO ASK THEM

TO DISCLOSE HOW THEY USE YOUR PERSONAL INFORMATION BEFORE THEY COLLECT IT.

IF YOU SUBMIT A REVIEW FOR A THIRD PARTY (PERSON OR BUSINESS) USING OUR FACEBOOK FAN REVIEW

APPLICATION, DURING THE SUBMISSION PROCESS WE ASK YOUR PERMISSION TO GATHER YOUR BASIC

INFORMATION (SUCH AS NAME AND EMAIL ADDRESS) WHICH WE THEN SHARE WITH THE THIRD PARTY FOR

WHOM YOU ARE SUBMITTING THE REVIEW. WE MAY BE LEGALLY COMPELLED TO RELEASE YOUR PERSONAL

INFORMATION IN RESPONSE TO A COURT ORDER, SUBPOENA, SEARCH WARRANT, LAW, OR REGULATION.

WE MAY COOPERATE WITH LAW ENFORCEMENT AUTHORITIES IN INVESTIGATING AND PROSECUTING WEBSITE

VISITORS WHO VIOLATE OUR RULES OR ENGAGE IN BEHAVIOR, WHICH IS HARMFUL TO OTHER VISITORS (OR ILLEGAL).

WE MAY DISCLOSE YOUR PERSONAL INFORMATION TO THIRD PARTIES IF WE FEEL THAT THE DISCLOSURE IS

NECESSARY TO PROTECT OUR RIGHTS OR PROPERTY, PROTECT SOMEONE’S HEALTH, SAFETY OR WELFARE, OR TO

COMPLY WITH A LAW OR REGULATION, COURT ORDER, OR OTHER LEGAL PROCESSES. AS DISCUSSED IN THE

SECTION ON COOKIES AND OTHER TECHNOLOGIES, FROM TIME TO TIME WE MAY ALLOW A THIRD PARTY TO SERVE

ADVERTISEMENTS ON THIS WEBSITE.

IF YOU SHARE INFORMATION WITH THE ADVERTISER, INCLUDING BY CLICKING ON THEIR ADS, THIS PRIVACY POLICY

DOES NOT CONTROL THE ADVERTISER’S USE OF YOUR PERSONAL INFORMATION, AND YOU SHOULD CHECK THE

PRIVACY POLICIES OF THOSE ADVERTISERS AND/OR AD SERVICES TO LEARN ABOUT THEIR USE OF COOKIES AND

OTHER TECHNOLOGY BEFORE LINKING TO AN AD.

HOW IS PERSONAL INFORMATION USED FOR COMMUNICATIONS?

WE MAY CONTACT YOU PERIODICALLY BY E-MAIL, MAIL, OR TELEPHONE TO PROVIDE INFORMATION REGARDING

PROGRAMS, PRODUCTS, SERVICES, AND CONTENT THAT MAY BE OF INTEREST TO YOU. IN ADDITION, SOME OF

THE FEATURES ON THIS WEBSITE ALLOW YOU TO COMMUNICATE WITH US USING AN ONLINE FORM. IF YOUR

COMMUNICATION REQUESTS A RESPONSE FROM US, WE MAY SEND YOU A RESPONSE VIA E-MAIL. THE

E-MAIL RESPONSE OR CONFIRMATION MAY INCLUDE YOUR PERSONAL INFORMATION. WE CANNOT GUARANTEE

THAT OUR E-MAILS TO YOU WILL BE SECURE FROM UNAUTHORIZED INTERCEPTION.

HOW IS PERSONAL INFORMATION SECURED?

WE HAVE IMPLEMENTED GENERALLY ACCEPTED STANDARDS OF TECHNOLOGY AND OPERATIONAL SECURITY IN

ORDER TO PROTECT PERSONALLY-IDENTIFIABLE INFORMATION FROM LOSS, MISUSE, ALTERATION, OR DESTRUCTION.

ONLY AUTHORIZED PERSONNEL AND THIRD-PARTY VENDORS HAVE ACCESS TO YOUR PERSONAL INFORMATION,

AND THESE EMPLOYEES AND VENDORS ARE REQUIRED TO TREAT THIS INFORMATION AS CONFIDENTIAL. DESPITE

THESE PRECAUTIONS, WE CANNOT GUARANTEE THAT UNAUTHORIZED PERSONS WILL NOT OBTAIN ACCESS TO

YOUR PERSONAL INFORMATION.

LINKS

THIS SITE CONTAINS LINKS TO OTHER SITES THAT PROVIDE INFORMATION THAT WE CONSIDER TO BE INTERESTING.

BACKEND CLOSERS IS NOT RESPONSIBLE FOR THE PRIVACY PRACTICES OR THE CONTENT OF SUCH WEBSITES.

PUBLIC DISCUSSIONS

THIS SITE MAY PROVIDE PUBLIC DISCUSSIONS ON VARIOUS BUSINESS VALUATION TOPICS. PLEASE NOTE THAT

ANY INFORMATION YOU POST IN THESE DISCUSSIONS WILL BECOME PUBLIC, SO PLEASE DO NOT POST

SENSITIVE INFORMATION IN THE PUBLIC DISCUSSIONS. WHENEVER YOU PUBLICLY DISCLOSE INFORMATION

ONLINE, THAT INFORMATION COULD BE COLLECTED AND USED BY OTHERS. WE ARE NOT RESPONSIBLE FOR ANY

ACTION OR POLICIES OF ANY THIRD PARTIES WHO COLLECT INFORMATION THAT USERS DISCLOSE IN ANY SUCH

FORUMS ON THE WEBSITE. BACKEND CLOSERS DOES NOT AGREE OR DISAGREE WITH ANYTHING POSTED ON

THE DISCUSSION BOARD. ALSO, REMEMBER THAT YOU MUST COMPLY WITH OUR OTHER PUBLISHED POLICIES

REGARDING POSTINGS ON OUR PUBLIC FORUMS.

HOW CAN A USER ACCESS, CHANGE, AND/OR DELETE PERSONAL INFORMATION?

YOU MAY ACCESS, CORRECT, UPDATE, AND/OR DELETE ANY PERSONALLY-IDENTIFIABLE INFORMATION THAT YOU

SUBMIT TO THE WEBSITE. YOU MAY ALSO UNSUBSCRIBE FROM MAILING LISTS OR ANY REGISTRATIONS ON THE

WEBSITE. TO DO SO, PLEASE EITHER FOLLOW INSTRUCTIONS ON THE PAGE OF THE WEBSITE ON WHICH YOU

HAVE PROVIDED SUCH INFORMATION OR SUBSCRIBED OR REGISTERED OR CONTACT US AT

SUPPORT@BACKENDCLOSERS.COM

CHILDREN’S PRIVACY

BACKEND CLOSERS WILL NOT INTENTIONALLY COLLECT ANY PERSONAL INFORMATION (SUCH AS A CHILD’S NAME

OR EMAIL ADDRESS) FROM CHILDREN UNDER THE AGE OF 13. IF YOU THINK THAT WE HAVE COLLECTED PERSONAL

INFORMATION FROM A CHILD UNDER THE AGE OF 13, PLEASE CONTACT US.

CHANGES

BACKEND CLOSERS RESERVES THE RIGHT TO MODIFY THIS STATEMENT AT ANY TIME. ANY CHANGES TO THIS

INCLUDED ON THE HOMEPAGE OF THE WEBSITE FOR A PERIOD OF TIME. IF YOU HAVE ANY QUESTIONS ABOUT

PRIVACY AT ANY WEBSITES OPERATED BY BACKEND CLOSERS OR ABOUT OUR WEBSITE PRACTICES, PLEASE

EARNING DISCLAIMER

DISCLAIMER: NO EARNINGS PROJECTIONS, PROMISES, OR REPRESENTATIONS

YOU RECOGNIZE AND AGREE THAT INTERNET COACHING EMPIRE OR BACKEND CLOSERS (WE) HAVE MADE

NO IMPLICATIONS, WARRANTIES, PROMISES, SUGGESTIONS, PROJECTIONS, REPRESENTATIONS, OR GUARANTEES

WHATSOEVER TO YOU ABOUT FUTURE PROSPECTS OR EARNINGS, OR THAT YOU WILL EARN ANY MONEY, WITH

RESPECT TO YOUR PURCHASE OF BACKEND CLOSERS PRODUCTS AND/OR SERVICES, AND THAT WE HAVE NOT

AUTHORIZED ANY SUCH PROJECTION, PROMISE, OR REPRESENTATION BY OTHERS.

ANY EARNINGS OR INCOME STATEMENTS, OR ANY EARNINGS OR INCOME EXAMPLES, ARE ONLY ESTIMATES OF

WHAT WE THINK YOU COULD EARN. THERE IS NO ASSURANCE YOU WILL DO AS WELL AS STATED IN ANY

EXAMPLES. IF YOU RELY UPON ANY FIGURES PROVIDED, YOU MUST ACCEPT THE ENTIRE RISK OF NOT DOING AS

WELL AS THE INFORMATION PROVIDED. THIS APPLIES WHETHER THE EARNINGS OR INCOME EXAMPLES ARE

MONETARY IN NATURE OR PERTAIN TO ADVERTISING CREDITS THAT MAY BE EARNED (WHETHER SUCH CREDITS

ARE CONVERTIBLE TO CASH OR NOT).

THERE IS NO ASSURANCE THAT ANY PRIOR SUCCESSES OR PAST RESULTS AS TO EARNINGS OR INCOME

(WHETHER MONETARY OR ADVERTISING CREDITS, WHETHER CONVERTIBLE TO CASH OR NOT) WILL APPLY, NOR CAN

ANY PRIOR SUCCESSES BE USED, AS AN INDICATION OF YOUR FUTURE SUCCESS OR RESULTS FROM ANY OF THE

INFORMATION, CONTENT, OR STRATEGIES. ANY AND ALL CLAIMS OR REPRESENTATIONS AS TO INCOME OR

EARNINGS (WHETHER MONETARY OR ADVERTISING CREDITS, WHETHER CONVERTIBLE TO CASH OR NOT) ARE NOT TO

BE CONSIDERED “AVERAGE EARNINGS”.

(I) THE ECONOMY. THE ECONOMY, BOTH WHERE YOU DO BUSINESS, AND ON A NATIONAL AND EVEN

WORLDWIDE SCALE, CREATES ADDITIONAL UNCERTAINTY AND ECONOMIC RISK. AN ECONOMIC RECESSION OR

DEPRESSION MIGHT NEGATIVELY AFFECT THE RESULTS PRODUCED BY BACKEND CLOSERS PRODUCTS AND/OR

SERVICES.

(II) YOUR SUCCESS OR LACK OF IT. YOUR SUCCESS IN USING THE INFORMATION OR STRATEGIES PROVIDED AT

BACKENDCLOSERS.COM DEPENDS ON A VARIETY OF FACTORS. WE HAVE NO WAY OF KNOWING HOW WELL

YOU WILL DO, AS WE DO NOT KNOW YOU, YOUR BACKGROUND, YOUR WORK ETHIC, YOUR DEDICATION, YOUR

MOTIVATION, YOUR DESIRE, OR YOUR BUSINESS SKILLS OR PRACTICES. THEREFORE, WE DO NOT GUARANTEE OR

IMPLY THAT YOU WILL GET RICH, THAT YOU WILL DO AS WELL, OR THAT YOU WILL HAVE ANY EARNINGS (WHETHER

MONETARY OR ADVERTISING CREDITS, WHETHER CONVERTIBLE TO CASH OR NOT), AT ALL.

INTERNET BUSINESSES AND EARNINGS DERIVED THEREFROM, INVOLVE UNKNOWN RISKS AND ARE NOT SUITABLE

FOR EVERYONE. YOU MAY NOT RELY ON ANY INFORMATION PRESENTED ON THE WEBSITE OR OTHERWISE

PROVIDE BY US UNLESS YOU DO SO WITH THE KNOWLEDGE AND UNDERSTANDING THAT YOU CAN EXPERIENCE

SIGNIFICANT LOSSES (INCLUDING, BUT NOT LIMITED TO, THE LOSS OF ANY MONIES PAID TO PURCHASE

BACKEND CLOSERS PRODUCTS AND/OR SERVICES, AND/OR ANY MONIES SPENT SETTING UP, OPERATING,

AND/OR MARKETING BACKEND CLOSERS PRODUCTS AND/OR SERVICES, AND FURTHER, THAT YOU MAY HAVE

NO EARNINGS AT ALL (WHETHER MONETARY OR ADVERTISING CREDITS, WHETHER CONVERTIBLE TO CASH OR NOT).

(III) FORWARD-LOOKING STATEMENTS. MATERIALS CONTAINED ON THIS WEBSITE OR IN

MATERIALS PURCHASED AND/OR DOWNLOADED FROM THIS WEBSITE MAY CONTAIN

INFORMATION THAT INCLUDES OR IS BASED UPON FORWARD-LOOKING STATEMENTS

WITHIN THE MEANING OF THE SECURITIES LITIGATION REFORM ACT OF 1995.

FORWARD-LOOKING STATEMENTS GIVE OUR EXPECTATIONS OR FORECASTS OF

FUTURE EVENTS. YOU CAN IDENTIFY THESE STATEMENTS BY THE FACT THAT THEY

DO NOT RELATE STRICTLY TO HISTORICAL OR CURRENT FACTS. THEY USE WORDS

SUCH AS “ANTICIPATE,” “ESTIMATE,” “EXPECT,” “PROJECT,” “INTEND,” “PLAN,”

“BELIEVE,” AND OTHER WORDS AND TERMS OF SIMILAR MEANING IN CONNECTION

WITH A DESCRIPTION OF POTENTIAL EARNINGS OR FINANCIAL PERFORMANCE.

ANY AND ALL FORWARD-LOOKING STATEMENTS HERE, IN OTHER MATERIALS

CONTAINED ON THIS WEBSITE, OR IN MATERIALS PURCHASED AND/OR DOWNLOADED

FROM THIS WEBSITE ARE INTENDED TO EXPRESS OUR OPINION OF EARNINGS

POTENTIAL. MANY FACTORS WILL BE IMPORTANT IN DETERMINING YOUR ACTUAL

RESULTS AND NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE RESULTS

SIMILAR TO OURS OR ANYBODY ELSE, IN FACT, NO GUARANTEES ARE MADE THAT

YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS AND TECHNIQUES IN OUR

MATERIAL.

(IV) DUE DILIGENCE. YOU ARE ADVISED TO DO YOUR OWN DUE DILIGENCE WHEN IT COMES TO MAKING

BUSINESS DECISIONS AND SHOULD USE CAUTION AND SEEK THE ADVICE OF QUALIFIED PROFESSIONALS. YOU

SHOULD CHECK WITH YOUR ACCOUNTANT, LAWYER, OR PROFESSIONAL ADVISOR, BEFORE ACTING ON THIS OR ANY

INFORMATION. YOU MAY NOT CONSIDER ANY EXAMPLES, DOCUMENTS, OR OTHER CONTENT ON THE WEBSITE OR

OTHERWISE PROVIDED BY US TO BE THE EQUIVALENT OF PROFESSIONAL ADVICE. NOTHING CONTAINED ON THE

WEBSITE OR IN MATERIALS AVAILABLE FOR SALE OR DOWNLOAD ON THE WEBSITE PROVIDES PROFESSIONAL

ADVICE IN ANY WAY. YOU SHOULD CONSULT WITH YOUR OWN ACCOUNTANT, LAWYER, OR PROFESSIONAL ADVISOR

FOR ANY QUESTIONS YOU MAY HAVE.

WE ASSUME NO RESPONSIBILITY FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF ANY LINK,

INFORMATION, OR OPPORTUNITY CONTAINED WITHIN THE WEBSITE OR WITHIN ANY INFORMATION DISCLOSED BY

THE OWNER OF THIS SITE IN ANY FORM WHATSOEVER.

(V) PURCHASE PRICE. ALTHOUGH WE BELIEVE THE PRICE IS FAIR FOR THE VALUE THAT YOU RECEIVE, YOU

UNDERSTAND AND AGREE THAT THE PURCHASE PRICE FOR BACKEND CLOSERS PRODUCTS AND/OR SERVICES

HAS BEEN ARBITRARILY SET BY US. THIS PRICE BEARS NO RELATIONSHIP TO OBJECTIVE STANDARDS.

NO REFUND POLICY

ONCE PAID, REGISTRATION FEES FOR COURSES AND OTHER WORKSHOPS ARE NON-REFUNDABLE. IF A REGISTRANT

DESIRES TO RESCHEDULE HIS OR HER REGISTRATION FOR A COURSE OR WORKSHOP, REGISTRATION IS TRANSFERABLE

TO ANOTHER COURSE OR A WORKSHOP HOSTED BY BACKEND CLOSERS OR INTERNET COACHING EMPIRE, ITS

AFFILIATES, SUBSIDIARIES, SUCCESSORS, OR ASSIGNS

THE INTERNET COACHING EMPIRE OR BACKEND CLOSERS ”, “WE” OR “US”) SO LONG AS THE REGISTRANT

PROVIDES US WITH AT LEAST THIRTY (30) DAYS OF WRITTEN OR ELECTRONIC (EMAILED) NOTICE OF THE DESIRE TO

TRANSFER THE REGISTRATION YOUR RESCHEDULED COURSE OR WORKSHOP MUST TAKE PLACE WITHIN ONE (1)

MONTH FROM THE ORIGINAL COURSE OR WORKSHOP DATE. A TRANSFER CERTIFICATE WILL BE SAVED IN YOUR

PERSONAL RECORD WITH THE INTERNET COACHING EMPIRE OR BACKEND CLOSERS IN VALUE TO THE DOLLAR AMOUNT PAID FOR THE ORIGINAL REGISTRATION. AN ADMINISTRATIVE FEE OF RS.0 WILL APPLY IN THE WORKSHOP YOU TRANSFER YOUR COURSE OR WORKSHOP DATE AS PERMITTED ABOVE SALE OR TRANSFER OF COURSE TICKETS OR CREDIT IS NOT PERMITTED.

WE RESERVE THE RIGHT TO CANCEL OR POSTPONE A COURSE OR RELATED WORKSHOP(S) IN OUR SOLE DISCRETION. IF WE CANCEL OR POSTPONE A COURSE OR WORKSHOP, WE WILL USE REASONABLE EFFORTS TO RESCHEDULE THE CANCELED OR POSTPONED COURSE OR WORKSHOP WITHIN TWELVE (12) MONTHS FROM ITS ORIGINAL START DATE. REGISTRATION FEES PAID BY REGISTRANTS FOR A CANCELED OR POSTPONED COURSE SHALL BE APPLICABLE TO THE RESCHEDULED COURSE ON A RUPEE-FOR-RUPEE BASIS ONLY. IN THE WORKSHOP, THE INTERNET COACHING EMPIRE OR BACKEND CLOSERS ELECTS NOT TO RESCHEDULE THE CANCELED COURSE OR WORKSHOP, THE REGISTRANT WILL BE OFFERED A REFUND. IF THIS OCCURS, OUR RESPONSIBILITY IS LIMITED TO A REFUND OF ANY REGISTRATION FEES) ALREADY PAID. THE RECOMMENDATION IS NOT RESPONSIBLE FOR AIRLINE TICKETS HOTELS COSTS, OTHER TICKETS OR PAYMENTS, OR ANY SIMILAR FEE PENALTIES OR RELATED OR UNRELATED LOSSES, COSTS, AND/OR EXPENSES REGISTRANT MAY INCUR OR HAVE INCURRED AS A RESIT OF ANY TRIP CANCELATIONS OR CHANGES. PLEASE ALLOW THIRTY (30) DAYS FOR US TO PROCESS ANY REFUNDS OR CREDIT CHANGES.

THE COURSE AND LOCATION ARE SUBJECT TO CHANGE WITHOUT PRIOR NOTICE THE INTERNET COACHING EMPIRE OR BACKEND CLOSERS RESERVES THE RIGHT TO CHANGE ANY AND ALL INSTRUCTORS FOR EACH COURSE OR WORKSHOP WITHOUT NOTICE. BY REGISTERING FOR A COURSE, YOU ACKNOWLEDGE THAT THE INTERNET COACHING EMPIRE OR BACKEND CLOSERS DOES NOT MAKE ANY REPRESENTATION, WARRANTY, OR GUARANTEE AS TO WHETHER YOU WILL ULTIMATELY ATTAIN SUFFICIENT UNDERSTANDING AND KNOWLEDGE TO GET CLIENTS AND CUSTOMERS. REGARDLESS OF WHETHER YOU GET A CLIENT, ONCE PAID, THE REGISTRATION FEE BECOMES NON-REFUNDABLE. ANY RIGHT TO A REFUND IS NOT DEPENDENT ON WHETHER YOU GET A CLIENT OR CUSTOMER FROM INTERNET COACHING EMPIRE OR BACKEND CLOSERS

REGISTRATION CONFIRMATIONS

YOU WILL RECEIVE A COURSE OR HOTE/VENUE INFORMATION LETTER VMA EMAIL BY TWO WEEKS BEFORE THE SCHEDULED DATES OF YOUR COURSE. IF YOU HAVE NOT RECEIVED IT BY TWO WEEKS BEFORE THE SCHEDULED DATES OF YOUR COURSE. PLEASE CONTACT THE OFFICE AT +91 8602358157 OR EMAIL SUPPORT@BACKENDCLOSERS.COM

REGISTRATION CONFIRMATIONS