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  Usage Agreement

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS SITE.

This Web site (the "Site") is provided by Retail Credit Solutions, LLC. (the "Owner"), for the benefit of its customers, only. By using or downloading materials from this Site, you agree to abide by the terms and conditions set forth in this Usage Agreement. If you do not agree to abide by these terms and conditions, do not use or download materials from this Site.

LIMITED LICENSE

Subject to the terms and conditions set forth in this Usage Agreement, the Owner grants you a non-exclusive, non-transferable, limited right to access, use and display this Site and its contents ("Content") for the limited purposes described in this Usage Agreement. In return, you agree not to interrupt or attempt to interrupt or otherwise interfere with the operation of this Site in any way and to all other terms and conditions of this Usage Agreement.

The Owner authorizes you to view and download the Content only for your personal, non-commercial use or other purposes to which the owner expressively agrees. This authorization is not a transfer of title in the Content or copies of the Content and is subject to the following restrictions: (1) you must retain on all copies of the Content you download all copyright and other proprietary notices contained in the Content; (2) you may not modify the Content in any way or reproduce or publicly display, perform, or distribute or otherwise use the Content for any public or commercial purpose without the owner's express content and approval; and (3) you may not transfer the Content to any other person unless you give them notice of and they agree to accept the obligations arising under this Usage Agreement. You will not use any robot, spider, or other automatic device or manual process to monitor materials available on this Site. You agree to abide by all additional restrictions displayed on this Site, as it may be updated from time to time. This Site, including all Content, is copyrighted and protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws worldwide in your use of this Site and to prevent any unauthorized copying of the Content. Except as expressly provided in this Usage Agreement, the Owner does not grant any express or implied right to you in any patents, trademarks, copyrights or trade secret information.

DISCLAIMERS

General

THE CONTENT MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. THE OWNER DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE CONTENT OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION DISPLAYED ON OR DISTRIBUTED THROUGH THIS SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH ADVICE, OPINION, STATEMENT, OR OTHER INFORMATION IS AT YOUR OWN RISK. THE OWNER RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THIS SITE. THE OWNER MAY MAKE ANY OTHER CHANGES TO THIS SITE, THE CONTENT, AND THE PRODUCTS, PROGRAMS, SERVICES OR PRICES (IF ANY) DESCRIBED IN THIS SITE AT ANY TIME WITHOUT NOTICE.

THIS SITE, THE CONTENT, AND ANY SOFTWARE MADE AVAILABLE TO DOWNLOAD FROM THIS SITE, ARE PROVIDED "AS IS" WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, AND FITNESS FOR ANY PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

THIRD PARTY WEB SITES

As a convenience to you, the Owner may provide on this Site links to Web sites operated by other entities. If you use these links, you may leave this Site. If you decide to visit any linked Web site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. The Owner makes no warranty or representation regarding and does not endorse any linked Web site or the information appearing on or any of the products or services described on any such Web site. Links do not imply that the Owner or this Site sponsors, endorses, or is affiliated or associated with the linked Web site, or is legally authorized to use any trademark, trade name, logo, copyright symbol or other proprietary designation displayed in or accessible through the links, or that any linked Web site is authorized to use any trademark, trade name, logo, copyright symbol, or other proprietary designation in which the Owner or any of its affiliates has any ownership or licensee interest.

LIMITATION OF DAMAGES

IN NO EVENT SHALL THE OWNER OR ANY OF ITS AFFILIATES BE LIABLE TO ANYONE FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES (INCLUDING, BUT NOT LIMITED TO, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS, OR OTHER DATA ON ANY INFORMATION HANDLING SYSTEM) THAT ARE RELATED TO THE USE OF OR THE INABILITY TO USE THE CONTENT AND FUNCTIONS OF THIS SITE OR ANY LINKED WEB SITE, EVEN IF THE OWNER IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

CHANGES

The Owner reserves the right, at its sole discretion, to change, modify, add or remove any portion of this Usage Agreement, in whole or in part, at any time. Changes in this Usage Agreement will be effective when notice of such changes is posted on this Site. Your continued use of this Site after any changes to this Usage Agreement are posted will be deemed to be your acceptance of those changes.

The Owner may terminate, change, suspend, or discontinue any aspect of this Site, including the availability of any features of this Site, at any time. The Owner may also impose limits on certain features and services or restrict your access to parts or all of this Site without notice or liability. The Owner may terminate the authorization, rights and license given in this Usage Agreement and, upon such termination, you shall immediately destroy all Content in your possession or control.

INTERNATIONAL USERS AND CHOICE OF LAW

This Site is controlled, operated and administered by the Owner from its offices within the United States of America. The Owner makes no representation that the Content is appropriate or available for use in any other jurisdiction outside of the United States and access to this Site from any jurisdiction where its contents are illegal is prohibited. You may not use this Site or export the Content in violation of United States of America export laws and regulations. If you access this Site from locations outside of the United States, you are responsible for compliance with all relevant local laws. This Usage Agreement shall be governed by the laws of the State of Illinois, without giving effect to its conflict of laws provisions. You hereby consent to the exclusive jurisdiction of the federal and state courts located in Cook County, Illinois, for any lawsuit brought under this Usage Agreement or relating in any way to this Site or your use of this Site.

This Usage Agreement, together with any terms and conditions posted on this Site relating to the purchase or use of any of the services and products offered on this Site, constitutes the entire agreement between the Owner and you with respect to your use of this Site. Any cause of action you may have with respect to your use of this Site must be commenced within one (1) year after the claim or cause of action arises. If, for any reason, a court of competent jurisdiction finds any provision of this Usage Agreement to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of this Usage Agreement and the remainder of this Usage Agreement shall continue in full force and effect.

PRIVACY NOTICE

The Owner's Web site Privacy Notice is located on this Site at: Privacy Notice.

COPYRIGHT NOTICE

The contents of this Site are copyrighted © 2006 by Retail Credit Solutions, LLC. All rights are expressly reserved. No part of the Content on this Site, including Web site text, graphics and HTML code, may be reproduced or transmitted in any form by any means without the express written consent of the Owner.

Updated March 21st, 2006

Retail Credit Solutions: Assisting retailers cultivate relationships with customers through the use of Private Label Credit Cards.