Legal Notices

Privacy Policy

This is the web site of Debit Tracker Inc. Our postal address is 1427 W. 86th Street Suite 615 Indianapolis, IN 46260 We can be reached via e-mail at our website www.debittracker@aol.com For each visitor to our Web page, our Web server automatically recognizes the consumer’s domain name and e-mail address (where possible). We collect the domain name and e-mail address (where possible) of visitors to our Web page, the e-mail addresses of those who communicate with us via e-mail, aggregate information on what pages consumers access or visit, user-specific information on what pages consumers access or visit, information volunteered by the consumer, such as survey information and/or site registrations, name and address, telephone number, fax number, payment information (e.g., credit card number and billing address). The information we collect is used to improve the content of our Web page, used to customize the content and/or layout of our page for each individual visitor, used by us to contact consumers for marketing purposes, shared with other reputable organizations to help them contact consumers for marketing purposes, disclosed when legally required to do so, at the request of governmental authorities conducting an investigation, to verify or enforce compliance with the policies governing our Website and applicable laws or to protect against misuse or unauthorized use of our Website. With respect to cookies: We use cookies to record session information, such as items that consumers add to their shopping cart, record user-specific information on what pages users access or visit, record past activity at a site in order to provide better service when visitors return to our site , ensure that visitors are not repeatedly sent the same banner ads, customize Web page content based on visitors’ browser type or other information that the visitor sends. If you do not want to receive e-mail from us in the future, please let us know by sending us e-mail at the above address, or writing to us at the above address. If you supply us with your postal address on-line you may receive periodic mailings from us with information on new products and services or upcoming events. If you do not wish to receive such mailings, please let us know by sending us e-mail at the above address, calling us at the above telephone number, or writing to us at the above address. Persons who supply us with their telephone numbers on-line may receive telephone contact from us with information regarding new products and services or upcoming events. If you do not wish to receive such telephone calls, please let us know by calling us at the above telephone number. From time to time, we make the e-mail addresses of those who access our site available to other reputable organizations whose products or services we think you might find interesting. If you do not want us to share your e-mail address with other companies or organizations, please let us know by sending us e-mail at the above address, calling us at the above telephone number, or writing to us at the above address. From time to time, we make our customer e-mail list available to other reputable organizations whose products or services we think you might find interesting. If you do not want us to share your e-mail address with other companies or organizations, please let us know by sending us e-mail at the above address, calling us at the above telephone number, or writing to us at the above address. When contacting us please provide us with your exact name and address. We will be sure your name is removed from the list we share with other organizations. Persons who supply us with their telephone numbers on-line may receive telephone contact from us with information regarding new products and services or upcoming events. If you do not wish to receive such telephone calls, please let us know by sending us e-mail at the above address, calling us at the above telephone number, or writing to us at the above address. With respect to Ad Servers: To try and bring you offers that are of interest to you, we have relationships with other companies that we allow to place ads on our Web pages. As a result of your visit to our site, ad server companies may collect information such as your domain type, your IP address and clickstream information. This information may also be used for re-targeting campaigns and re-marketing campaigns that take the specific users actions into account as ads are served to them. From time to time, we may use customer information for new, unanticipated uses not previously disclosed in our privacy notice. If our information practices change at some time in the future we will post the policy changes to our Web site to notify you of these changes and provide you with the ability to opt out of these new uses. If you are concerned about how your information is used, you should check back at our Web site periodically. Customers may prevent their information from being used for purposes other than those for which it was originally collected by e-mailing us at the above address. Upon request we offer visitors the ability to have inaccuracies corrected in contact information. Consumers can have this information corrected by sending us e-mail at the above address. With respect to security: We have appropriate security measures in place in our physical facilities to protect against the loss, misuse or alteration of information that we have collected from you at our site. If you feel that this site is not following its stated information policy, you may contact us at the above addresses or phone number.

Terms and Conditions

Terms and Conditions 1. Acceptance of Terms The following are terms of a legal agreement between you and Debit Tracker, Inc. on its behalf and on behalf of its subsidiaries and affiliates (“Debit Tracker”). By accessing, browsing and/or using this site, you acknowledge that you have read, understood and agree to abide by and comply with all terms, conditions and notices contained in or referenced by these Terms and Conditions of Use. You further agree to be governed by any additional terms and conditions that may apply to you arising out your accessing, browsing and/or using of this site, whether contained on this site or in a separate agreement with Debit Tracker. In the event of any conflict between these Terms and Conditions of Use and such additional terms and conditions, such additional terms and conditions shall govern to the extent of the conflict. Debit Tracker reserves the right, in its discretion, to update or revise these Terms and Conditions of Use and to post such updated or revised Terms and Conditions of Use on this site. If you do not agree to these Terms and Conditions of Use, please do not use this site. Please check the Terms and Conditions of Use periodically for changes. Your continued use of this site following the posting of any changes to the Terms and Conditions of Use constitutes acceptance of those changes. 2. Privacy From time to time, you may be requested to provide Debit Tracker with personal information. Such personal information is subject to Debit Tracker’s Privacy Policy. View the Debit Tracker Privacy Policy. 3. Third Party Information and Links This site may contain links to third party Web sites (“Linked Sites”), and may incorporate information obtained from third parties (“Third Party Information”). The Linked Sites and Third Party Information are not under the control of Debit Tracker, and Debit Tracker is not responsible for the contents of any Linked Site or Third Party Information, including without limitation the accuracy, copyright compliance, legality, decency, links or any other aspect of the Linked Sites. Debit Tracker is not responsible for any form of transmission received from any Linked Site nor is Debit Tracker responsible if the Linked Site is not working appropriately. Debit Tracker provides such links and information to you only as a convenience, and the inclusion of any link or Third Party Information does not imply endorsement by Debit Tracker of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites. Any dealings with third parties conducted through the site or Linked Sites, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and the third party. Debit Tracker shall not be responsible or liable for any part of any such dealings. 4. Your Use Obligations In consideration of your use of any services provided on the site, you agree to: (a) provide true, accurate, current and complete information about yourself where prompted by the site (such information being the “Personal Data”) and (b) maintain and promptly update the Personal Data to keep it true, accurate, current and complete. If you provide any information that is untrue, inaccurate, not current or incomplete, or Debit Tracker has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, Debit Tracker has the right to suspend or terminate any services provided to you by Debit Tracker and refuse any and all current or future use of Debit Tracker services (or any portion thereof). You are responsible for all activities undertaken by you using any service provided by Debit Tracker, including, without limitation, access to materials on the Internet (whether at a password protected site or not) and use of email. All such activities are at your own risk. You shall not use, nor permit others to use, this site or any Debit Tracker services provided through this site in a manner or for a purpose contrary to these Terms and Conditions of Use. In the event that you access other networks or computing resources, you agree to abide by their respective usage policies. You are responsible for all activities that occur under your password or account, and will keep your password(s) confidential. You will immediately notify us of any unauthorized use of your password or account or any other breach of security. You will not disrupt the functioning of the site, solicit another user’s password, or otherwise act in a way that interferes with other users’ use of the site. Nor may you post or distribute any computer program that damages, detrimentally interferes with, surreptitiously intercepts, or expropriates any system, data, or personal information. Services provided by Debit Tracker are not intended for use by children. In the event that you, as a legal guardian, wish to allow your child to use this site and/or any Debit Tracker services, you acknowledge that your child will have permission to access this entire site and any Debit Tracker services, including without limitation email. You further acknowledge that, as the legal guardian, it is your responsibility to determine whether use of the Debit Tracker services and/or content transmitted through the Debit Tracker services is appropriate for your child. Debit Tracker does not claim ownership of the materials you provide to Debit Tracker in any way. However, by posting, uploading, inputting, providing or submitting any such materials, you are granting Debit Tracker and any necessary sublicensees permission to use your submitted materials in connection with the operation of its business, including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your submitted material; and to publish your name and any contact information you approve of in connection with your submitted material. No compensation will be paid with respect to the use by Debit Tracker of your submitted material, as provided herein. Debit Tracker is under no obligation to post or use any material you may provide and Debit Tracker may remove any such material at any time in its sole discretion. By posting, uploading, inputting, providing or submitting your material you warrant and represent that you own or otherwise control all of the rights to your material as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the material. Notwithstanding the foregoing, any suggestions, improvements or modifications to Debit Tracker’s products and services (“Enhancements”) made by you or anyone acting on your behalf, including your employees, will be the property of Debit Tracker without any further consideration to you, whether or not such Enhancements are incorporated into Debit Tracker products and services. 5. Prohibited Uses You may not use this site and/or Debit Tracker services in any manner which could damage, disable, overburden or impair this site and/or any Debit Tracker services (or the network(s) connected to such site or services) or interfere with any other party’s use and enjoyment of this site and/or Debit Tracker services. You may not attempt to gain unauthorized access to this site and/or any Debit Tracker service, other accounts, computer systems or networks connected to this site, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available to you through this site. This site may contain e-mail services and/or other message or communication facilities designed to enable you to communicate with others (collectively, “Communication Services”). You agree to use the Communication Services only to post, send and receive messages and material that are proper and, when applicable, related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not: Use the Communication Service in connection with surveys, contests, pyramid schemes, chain letters, junk email, spamming or any duplicative or unsolicited messages (commercial or otherwise). Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others. Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information. Upload, post, email, transmit or otherwise make available any material that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as software protected by intellectual property laws, inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements). Upload, post, email, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment, including without limitation, Trojan horses, worms, time bombs, cancelbots or corrupted files. Post, publish, modify, transmit, reproduce, or distribute in any way, information, software or other materials or tools designed for compromising the security of the Communication Services, our network or telecommunication services. Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages. Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner. Falsify or delete any email headers, author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of email, software or other material in order to disguise the origin of such email, software or material. Restrict or inhibit any other user from using and enjoying the Communication Services, or create an unusually large burden on the Communication Services, such as by generating levels of traffic sufficient to impede others’ ability to send or retrieve information. Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service. Harvest or otherwise collect information about others, including e-mail addresses, without prior written authorization from such owners of such information. Resell any of the Communication Services or use the Communication Services other than for your own personal purposes. Without limiting the foregoing, you agree that you will not use the Communication Services to provide Internet access or any other feature of the Communication Services to any third party. Violate any applicable laws or regulations. Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity, or create a false identity to mislead others. Debit Tracker has no obligation to monitor the Communication Services. However, Debit Tracker reserves the right to review materials posted to or sent through a Communication Service and to remove any materials in its sole discretion. Debit Tracker further reserves the right to terminate your access to any or all of the Communication Services and this site at any time, without notice, for any reason whatsoever. Debit Tracker reserves the right at all times to disclose any information as Debit Tracker deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Debit Tracker’s sole discretion. Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Debit Tracker does not control or endorse the content, messages or information found in any Communication Service and, therefore, Debit Tracker specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction, dissemination or other requirements. You are responsible for adhering to such limitations if you download the materials. All information, data, text, software, music, sound, photographs, graphics, video, messages, or other materials (“Content”) posted to any Communication Services by any users are the sole responsibility of those users. Debit Tracker does not guarantee the accuracy, copyright compliance, legality, integrity, quality, or decency of such Content. Posting your name, contact information, and any personal information in any Communication Services places that information into a public forum. 6. Personal and Non-Commercial Use Unless otherwise specified, the services provided on this site are for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer or sell any information, software, products or services obtained from this site. 7. International Use As this site may be accessed globally, if you choose to access this site from locations other than the United States, Canada or the United Kingdom, you do so on your own initiative and you are responsible for compliance with all applicable local use controls, laws and regulations, including those relating to the transmission of technical data exported from or imported to Canada or the country in which you reside. Notwithstanding the foregoing, Debit Tracker makes no representation that materials on this site are appropriate or available for use in locations outside the United States, Canada or the United Kingdom, as applicable, and accessing them from territories where their contents are illegal is prohibited. 8. Downloads All content and software (if any) that is made available to view and/or download in connection with this site, excluding content and/or software that may be made available by end-users through a Communication Service, (“Software”) is owned by and is the copyrighted work of Debit Tracker and/or its suppliers and is protected by copyright laws and international treaty provisions. Your use of the Software is governed by the terms of the software license agreement, if any, which accompanies or is included with the Software (“License Agreement”). You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms. In the event that any Software is not accompanied by a license agreement, it shall be governed by the terms of Debit Tracker’s Software License Agreement. You further agree that you will not download any content or software without complying with all applicable use controls, laws and regulations, and you warrant that you will not download any content or software where such downloading is prohibited by local laws. 9. Use of Email Services You agree that Debit Tracker may establish limits concerning use of any services (including Communication Services and email services) offered on this site, including without limitation, the maximum number of days that e-mail messages will be retained by the service, the maximum number of e-mail messages that may be sent from or received by an account on the service, the maximum size of an e-mail message that may be sent from or received by an account on the service, the maximum disk space that will be allotted on Debit Tracker’s servers on your behalf, and the maximum number of times and duration you may access the service in a given period of time. You agree that Debit Tracker has no responsibility or liability for the deletion, corruption or failure to store any messages or other content maintained or transmitted by the service. You acknowledge that Debit Tracker reserves the right to delete accounts without notice to you that are inactive for an extended period of time. DEBIT TRACKER MAKES NO WARRANTY THAT ANY SERVICE WILL BE AVAILABLE, UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE. In addition to the terms and conditions set out herein, you agree that you: (a) will not continue to send commercial email to a recipient if recipient has requested that you discontinue such communication; (b) will not forward or propagate chain letters of any type (including charity requests or petitions for signatures), whether or not the recipient wishes to receive such mailings; (c) will not intentionally flood a user, server, account or site with large or numerous email messages; and (d) will not forge header information. Debit Tracker prohibits the use of accounts or network connections, to collect replies of messages sent from any another provider that violates these terms and conditions of use or those of the originating provider. 10. Purchases By making any purchase from Debit Tracker through this site, you agree to abide and be bound by the terms and conditions of Debit Tracker’s End-User Agreement or Debit Tracker’s Terms and Conditions of Purchase, as applicable, along with any other terms and conditions that you agree to in the course of making your purchase. You further agree that you will not make any purchase from this site without complying with all applicable laws and regulations, and you warrant that you will not make any purchases through this site where such purchase is prohibited by local laws. You acknowledge that all purchases made by you through this site are for your internal or personal use only, and are not for resale or export. In the unlikely event that you require a cancellation of your purchase contract made through this site, you must provide Debit Tracker with a written notice of such cancellation within: (a) thirty (30) days of entering into your purchase. 11. Disclaimer of Warranties ALL MATERIALS, INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND OTHER CONTENT CONTAINED IN THIS SITE, OR OBTAINED FROM A LINKED SITE IS PROVIDED TO YOU “AS IS” WITHOUT WARRANTY OR CONDITIONS OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY. DEBIT TRACKER HAS MADE REASONABLE EFFORTS TO POST CURRENT AND ACCURATE INFORMATION ON THIS SITE; HOWEVER, DEBIT TRACKER ASSUMES NO RESPONSIBILITY FOR ANY ERRORS, OMISSIONS OR INACCURACIES WHATSOEVER IN THE INFORMATION PROVIDED IN THIS SITE. UNDER NO CIRCUMSTANCES WILL DEBIT TRACKER BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY YOUR RELIANCE ON INFORMATION OBTAINED THROUGH THIS SITE. IT IS YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ANY INFORMATION PROVIDED, AND USE OF THIS SITE IS SOLELY AT YOUR OWN RISK. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. 12. Limitation of Liability YOU SPECIFICALLY AGREE THAT DEBIT TRACKER SHALL NOT BE RESPONSIBLE FOR UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, ANY MATERIAL OR DATA SENT OR RECEIVED OR NOT SENT OR RECEIVED, OR ANY TRANSACTIONS ENTERED INTO THROUGH THIS SITE. YOU SPECIFICALLY AGREE THAT DEBIT TRACKER IS NOT RESPONSIBLE OR LIABLE FOR ANY THREATENING, DEFAMATORY, OBSCENE, OFFENSIVE OR ILLEGAL CONTENT OR CONDUCT OF ANY OTHER PARTY OR ANY INFRINGEMENT OF ANOTHER’S RIGHTS, INCLUDING INTELLECTUAL PROPERTY RIGHTS. YOU SPECIFICALLY AGREE THAT DEBIT TRACKER IS NOT RESPONSIBLE FOR ANY CONTENT SENT USING THE COMMUNICATION SERVICES AND/OR INCLUDED IN THIS SITE BY ANY THIRD PARTY. IN NO EVENT SHALL DEBIT TRACKER BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT, PUNITIVE OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, (INCLUDING WITHOUT LIMITATION, THOSE RESULTING FROM: (1) RELIANCE ON THE MATERIALS PRESENTED, (2) COSTS OF REPLACEMENT GOODS, (3) LOSS OF USE, DATA OR PROFITS, (4) DELAYS OR BUSINESS INTERRUPTIONS, (5) AND ANY THEORY OF LIABILITY) ARISING OUT OF OR IN CONNECTION WITH THE USE OF, OR INABILITY TO USE THIS SITE, WHETHER OR NOT DEBIT TRACKER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. 13. Indemnification Upon reasonable request by Debit Tracker, you agree to defend, indemnify and hold harmless Debit Tracker and its employees, contractors, officers and directors from all liabilities, claims and expenses, including attorney’s fees, that arise from your use or misuse of this site, including without limitation content sent or posted by you through the Communication Services, your connection to this site and/or Debit Tracker services, your non-compliance with these terms and conditions of use, or your violation of any third-party rights. Debit Tracker reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with Debit Tracker in asserting any available defenses. 14. Content Submitted to Debit Tracker by You By posting, uploading, inputting, providing or submitting any information to this site, you consent to Debit Tracker’s collection of such information, and you grant Debit Tracker, its affiliated companies and necessary sublicensees permission to use such submitted information in connection with the operation of this site and its business, including, without limitation, the worldwide, royalty-free rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your submitted information; and to publish your name and any contact information you approve of in connection with your submitted information. You warrant and represent that you own or otherwise control all of the rights to any information submitted by you to Debit Tracker through this site or otherwise, including, without limitation, all the rights necessary for you to provide, post, upload, input or submit your submitted information. No compensation will be paid with respect to the use of your submitted information. Debit Tracker is under no obligation to post or use any information you may provide and Debit Tracker may remove any such information at any time in its sole discretion. For greater certainty, Debit Tracker does not claim ownership to any information that you may provide to Debit Tracker, unless otherwise expressly provided. Notwithstanding the foregoing, any Enhancements made by you or anyone acting on your behalf, including your employees, will be the property of Debit Tracker without any further consideration to you, whether or not such Enhancements are incorporated into Debit Tracker products and services. In the event that you submit personal information to Debit Tracker in confidence through this site, you consent to the collection, processing, transmission and disclosure of such information by Debit Tracker for the purposes of Debit Tracker internal use and specifically the purposes set out on the web page requesting such information or in Debit Tracker’s Privacy Policy. Debit Tracker will make commercially reasonable efforts to keep such personal information confidential, and shall not disclose such personal information to any third party except: (a) in confidence and to facilitate the provision of products and services to you, (b) to the extent required by law, or (c) in accordance with Debit Tracker’s Privacy Policy. 15. Intellectual Property Rights Neither you nor anyone acting on your behalf, including your employees, acquire any intellectual property or other proprietary rights, including patents, designs, trademarks, copyright or trade-secrets, relating to the contents of this site, including without limitation, software and information, except as otherwise expressly specified in an appropriate license or other mutually agreed upon, written agreement that you may have with Debit Tracker. Any grants not expressly granted herein are reserved. All contents of this site are © 2012 Debit Tracker, Inc. All rights reserved. Debit Tracker marks, images and symbols are the exclusive properties and trademarks of Debit Tracker, Inc. Debit Tracker is registered with the U.S. Patent and Trademark Office and may be pending or registered in other countries. 16. Modifications to Services Provided Debit Tracker reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, any services (including email services) provided through this site (or any part thereof) with or without notice, or in accordance with the terms of your separate written agreement with Debit Tracker. You agree that Debit Tracker shall not be liable to you or to any third party for any modification, suspension or discontinuance of such services. 17. Violation of Terms and Conditions of Use and Termination Where feasible (in Debit Tracker’s sole discretion), Debit Tracker will advise you of any inappropriate behavior on your part and any necessary corrective action. However, if this site or any Debit Tracker services are used in a way in which Debit Tracker, in its sole discretion, deems to violate these terms and conditions of use, Debit Tracker or its agent may take any responsible actions they deem appropriate. Such action may include, but is not limited to, temporary or permanent removal of content, filtering of Internet transmissions and the immediate suspension or termination of all or any portion of the Communication Services (including email services). Debit Tracker shall not be liable in any way for any such responsive actions. The above-described actions are not Debit Tracker’s exclusive remedies and Debit Tracker may take any other legal, equitable or technical action it deems appropriate. Debit Tracker reserves the right to investigate suspected violations of these terms and conditions of use. You hereby authorize Debit Tracker to cooperate with (1) law enforcement authorities in the investigation of suspected criminal violations and (2) system administrators at Internet service providers, networks or computing facilities in order to enforce these terms and conditions of use. Such cooperation may include Debit Tracker providing the username, IP address or other identifying information about you. Upon termination of any account you may have with Debit Tracker, you authorize Debit Tracker to delete any files, programs, data and email messages associated with such account. Notwithstanding the foregoing, Debit Tracker reserves the right, in its sole discretion, to terminate your access to this site and Debit Tracker services or any portion thereof, for any reason without notice. 18. Notice All demands, notices, communications and reports required under these terms and conditions of use, including any notice of infringement of your copyright, shall be in writing and shall be either sent by facsimile transmission with confirmation to the number specified below or personally delivered or sent by reputable overnight courier services (delivery charges prepaid) to Debit Tracker at the address specified below: Debit Tracker Inc. 1427 W. 86th Street Suite 615 Indianapolis, Indiana 46260 19. General Provisions This agreement is governed by the laws of the State of Indiana without regard to conflict of laws provisions, and you agree to submit to the exclusive jurisdiction of the courts located in the State of Indiana. The parties expressly agree that neither the United Nations Convention on Contracts for the International Sale of Goods nor the Uniform Computer Information Transactions Act shall apply to these terms and conditions of use or to any contracts relating to goods or services obtained through this site. No joint venture, partnership, employment or agency relationship exists between you and Debit Tracker as a result of this agreement or use of this site and/or Debit Tracker services. Debit Tracker’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Debit Tracker’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of this site, Debit Tracker services or information provided to or gathered by Debit Tracker with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between you and Debit Tracker with respect to this site and Debit Tracker services and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and Debit Tracker with respect to this site and Debit Tracker services. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express will of the parties that this agreement and all related documents have been drawn up in English. Legal Information Please read these terms of use carefully before using the site. By using this site, you indicate your agreement to these terms. If you are not agreeable to these terms of use, do not use this site. Restrictions On Use of Materials You acknowledge that this site may contain information, communications, software, photos, text, video, graphics, music, sounds, images and other material and services (collectively “Content”), which is generally provided by Debit Tracker. You agree and acknowledge that, notwithstanding that Debit Tracker permits access to the Content, the Content is protected by copyrights, trademarks and other proprietary (including intellectual property) rights (collectively “Rights”), that these Rights are valid and protected in all media now existing or later developed, and that except as specifically provided in these Terms, your use of the Content shall be governed and constrained by applicable copyright, trademark and other intellectual property laws. In addition to Debit Tracker’s and its licensors’ Rights in individual elements of the Content, Debit Tracker owns a copyright in the selection, coordination, arrangement and enhancement of the Content. You may not modify, publish, transmit, participate in the transfer or sale of, reproduce, create derivative works from, distribute, perform, display, incorporate into another Web site, or in any other way exploit any of the Content, in whole or in part. Any software that is made available to download from this site is the copyrighted work of Debit Tracker and/or its licensors’. Use of the software is governed by the terms of the end user license agreement that accompanies or is included with the software. Trademark Notices Debit Tracker is a registered trademarks of Debit Tracker, Inc. Patent Notices Debit Tracker’s software products, wireless handheld products and/or portions thereof are covered by U.S. patents Unsolicited Submissions Debit Tracker welcomes comments regarding its products and services. However, Debit Tracker’s policy is not to accept or consider creative ideas, suggestions or materials other than those it has specifically requested. We hope you will understand that the intent of this policy is to avoid misunderstandings when projects developed by Debit Tracker’s very productive staff are similar to someone else’s creative work. Accordingly, we must ask that you not send us any such ideas. While we do value your feedback on our services and products, we request that you be specific in your comments on those services and products and not submit any creative ideas, suggestions or materials. If, despite our request that you not do so, you send us creative suggestions, ideas, notes, drawings, concepts or other information (collectively, the “Unsolicited Information”), the Unsolicited Information shall be deemed, and shall remain, the property of Debit Tracker. None of the Unsolicited Information shall be subject to any obligation of confidentiality on the part of Debit Tracker and Debit Tracker shall not be liable or owe any compensation for any use or disclosure of the Unsolicited Information. While every effort has been made to ensure technical accuracy, information on this site is subject to change without notice, and does not represent a commitment on the part of Debit Tracker.

Money Back Guarantee and Product Replacement Policy

Debit Tracker 30-Day Money Back Guarantee and Product Replacement Policy This is a satisfaction guaranteed warranty that allows the purchaser of the Debit Tracker System to return the Debit Tracker System for any reason within 30 days of purchasing the Debit Tracker System. The Debit Tracker System includes all material items and products, namely the Debit Tracker electronic unit, the Receipt Tracker folder, the Bill Tracker folder, the Life Tracker folder, the USB cord, the USB memory device, and the wallet. The purchaser is expected to return the whole system in good working condition within 30 days if they desire to get a refund for their purchase of the Debit Tracker System. Debit Tracker is not responsible for any products lost in the mail or that do not arrive within the 30 day return policy as stated here. Upon the expiration of the 30-day period purchaser will have had to have purchased the Debit Tracker Product Replacement Insurance to receive an exchange of the unit. What To Do If Unit Requires Replacement: The purchaser needs to send an email to debittracker@aol.com and explain the problem. You will be directed to return the product and their receipt in a secure container to the address below. Debit Tracker Inc. C/O Product Return Dept. 1427 W. 86th Street Suite 615 Indianapolis, Indiana 46260 Optional Debit Tracker Product Replacement Insurance Policy The Debit Tracker Product Replacement Insurance is for the Debit Tracker electronic unit only. It is provided to augment the 30-Day Money Back Warranty and comes into effect at the expiration of the 30-day Money Back Warranty period and expires one year following the expiration of the 30-day Money Back Warranty period. We will replace your Debit Tracker electronic unit if it is damaged and unable to work properly. This is a replacement policy to only replace the damaged or broken unit. This replacement policy is for only one replacement of the Debit Tracker electronic unit. Debit Tracker Insurance product replacement product is one unit per paid Insurance replacement policy and does not extend to more than one unit per paid Insurance replacement policy. Debit Tracker Inc. has the sole discretion to determine if the unit is damaged and unable to work properly. This does not provide protection against normal wear and tear, theft, mysterious disappearance, misplacement, viruses, reckless, abusive, willful or intentional conduct associated with handling and use of the product, cosmetic damage and/or other damage that does not affect unit functionality. Protective items such as covers, carrying cases or pouches, etc., were provided or made available for use with the product, it is expected that you will continually use these product accessories for protection against damage to the unit. Abuse is defined as your intentional non-utilization of protective items during product use, or your treatment of the unit that you have purchased for your use in a harmful, injurious or offensive manner that may result in its damage. Any resultant damage from this type of treatment is NOT covered by Debit Tracker Product Replacement Insurance. In addition, if the Debit Tracker electronic product is on back order then Debit Tracker Inc. has the option to either fully refund you the cost of the product plus the insurance cost and shipping costs or replace the product. What To Do If Unit Requires Replacement: The purchaser needs to send an email to debittracker@aol.com and explain the problem. You will be directed to return the product and their receipt in a secure container to the address below. Debit Tracker Inc. C/O Product Return Dept. 1427 W. 86th Street Suite 615 Indianapolis, Indiana 46260

Handheld Limited Warranty

Debit Tracker Handheld Limited Warranty The Debit Tracker Handheld, and any other Debit Tracker hardware accessories, excluding external batteries and SIM cards, which are provided to YOU concurrently and in conjunction with the Debit Tracker Handheld specifically for use with YOUR particular model of Debit Tracker Handheld (which together comprise the Debit Tracker Hardware), will be free from defects in workmanship and materials for a period that is the shorter of (i) one (1) year from the date that the new Debit Tracker Handheld was first purchased by YOU as an original end user (“YOU”) and (ii) the period ending upon YOUR breach of the Debit Tracker End User/Software License Agreement (the “License Agreement”) entered into between YOU and Debit Tracker, Inc. (“Debit Tracker”). This Limited Warranty is not transferable. During the Warranty Period, the Debit Tracker Hardware, or one or more of the Debit Tracker Hardware components, will be repaired or replaced at Debit Tracker’s option, without charge to YOU for either parts or labor. If the Debit Tracker Hardware (or component thereof) is repaired or replaced during the Warranty Period, the Warranty Period will expire, upon the later of the 91st day after repair or replacement or one year from the date of original purchase. This Limited Warranty does not apply to normal wear and tear or if any component of the Debit Tracker hardware is opened or repaired by someone not authorized by Debit Tracker, and does not cover repair or replacement of any Debit Tracker Hardware damaged by: misuse, moisture or liquids, proximity or exposure to heat, accident, abuse, neglect, misapplication, or defects due to repairs or modifications made by anyone other than Debit Tracker. This Limited Warranty does not cover physical damage to the surface of the Debit Tracker Hardware, including cracks or scratches on the LCD screen. This Limited Warranty does not apply to any equipment other than the Debit Tracker Hardware as defined in this Limited Warranty – for example, it does not apply to any external battery or SIM Card provided with YOUR purchase of the Debit Tracker Hardware, or any damage caused by the leakage or any other malfunction of an external battery, SIM Card, or any other accessory or peripheral equipment. This Limited Warranty also does not apply if the malfunction results from the use of the Debit Tracker Hardware in conjunction with accessories, products, services or ancillary or peripheral equipment not expressly approved or provided by Debit Tracker specifically for use with YOUR particular model of Debit Tracker Handheld, and where it is determined by Debit Tracker that such malfunction is not the fault of the Debit Tracker Hardware itself. Additionally, if malfunction results from the failure of the user to abide by the Safety Information contained in the package with the Debit Tracker Hardware, the Debit Tracker Desktop Software, and the associated documentation, the Limited Warranty may be void, and if it is not void, it shall not apply. Data backup is presumed to be the responsibility of the user of the Debit Tracker Hardware. Debit Tracker is not responsible for data that may be damaged or lost at any time, including, without limitation data lost or damaged during the servicing of the Debit Tracker Hardware, or through the use of synchronization software. Any repair or replacement pursuant to this limited warranty could be requested by you from Debit Tracker. REPAIR OR REPLACEMENT OF THE DEBIT TRACKER HARDWARE, AS PROVIDED HEREIN, IS THE EXCLUSIVE REMEDY PROVIDED TO YOU. THIS LIMITED WARRANTY IS IN LIEU OF ALL OTHER WARRANTIES, EXPRESS OR IMPLIED AND EXCEPT AS SET OUT HEREIN ALL REPRESENTATIONS, WARRANTIES, ENDORSEMENTS AND CONDITIONS OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTIES OF TITLE OR NON-INFRINGEMENT AND ANY IMPLIED REPRESENTATIONS, WARRANTIES AND CONDITIONS OF FITNESS FOR A PURPOSE, MERCHANTABILITY, SATISFACTORY QUALITY, DURABILITY, OR ARISING FROM A COURSE OF DEALING OR USAGE OF TRADE ARE HEREBY EXCLUDED, INCLUDING ANY IMPLIED WARRANTY OR CONDITION OF MERCHANTABILITY AND/OR QUALITY OR FITNESS FOR A PARTICULAR USE OR PURPOSE AND/OR ANY IMPLIED WARRANTY OR CONDITION OF NON-INFRINGEMENT. DEBIT TRACKER SHALL NOT BE LIABLE TO YOU AND YOU HEREBY WAIVE ANY INDIRECT, ECONOMIC, SPECIAL, COMMERCIAL, INCIDENTAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS, LOSS OF BUSINESS REVENUE OR EARNINGS, LOST DATA, DAMAGES CAUSED BY DELAYS OR A FAILURE TO REALIZE EXPECTED SAVINGS AND THE LIKE AND PERSONAL INJURY OR WRONGFUL DEATH DAMAGES) ARISING FROM OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THE DEBIT TRACKER HARDWARE, EVEN IF DEBIT TRACKER IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION IS INTENDED TO APPLY AND DOES APPLY WITHOUT REGARD TO WHETHER SUCH DAMAGES ARE CLAIMED, ASSERTED OR BROUGHT IN AN ACTION OR CLAIM SOUNDING IN TORT (INCLUDING NEGLIGENCE) OR CONTRACT, OR UNDER WARRANTY, OR UNDER ANY OTHER LAW OR FORM OF ACTION. ANY EXTERNAL BATTERIES PROVIDED WITH THE DEBIT TRACKER HARDWARE ARE PROVIDED “AS IS” OR ARE SUBJECT TO THE LIMITED WARRANTY SPECIFICALLY APPLICABLE TO SUCH BATTERIES, IF ANY, AND ANY SIM CARDS PROVIDED WITH THE DEBIT TRACKER HARDWARE ARE PROVIDED AS IS, AND NEITHER EXTERNAL BATTERIES NOR SIM CARDS ARE, FOR PURPOSES OF THIS WARRANTY, PART OF THE DEBIT TRACKER HARDWARE. YOU ASSUME THE RISK OF USING ANY ACCESSORY NOT PROVIDED AS PART OF THE DEBIT TRACKER SOLUTION. IN NO EVENT SHALL DEBIT TRACKER’S LIABILITY TO YOU OR TO ANY THIRD PARTY CLAIMING THROUGH YOU OR ON YOUR BEHALF EXCEED THE PURCHASE PRICE OF THE DEBIT TRACKER HARDWARE YOU PURCHASED OR THE COST OF REPAIRING OR REPLACING THE DEBIT TRACKER HARDWARE, WHICHEVER IS GREATER. THE LIMITED WARRANTY WITH RESPECT TO THE DEBIT TRACKER DESKTOP SOFTWARE, TO ALL DOCUMENTATION AND TO ANY FIRMWARE RESIDING ON THE DEBIT TRACKER HARDWARE IS SET FORTH IN THE LICENSE AGREEMENT. Waiver by Debit Tracker of any default will not be deemed a continuing waiver of such default or a waiver of any other default. This Limited Warranty is to be construed under the laws of the State of Indiana, excluding any body of law governing conflicts of law. The United Nations Convention on Contracts for the International Sale of Goods is hereby excluded in its entirety from application to this Limited Warranty. Any disagreement or dispute arising out of or relating to this Limited Warranty shall be settled by final and binding arbitration to be conducted by a single arbitrator in accordance with the Commercial Rules of the American Arbitration Association. No dispute between the parties, or involving any person but YOU, may be joined or combined together, without the prior written consent of Debit Tracker. If a provision of this Limited Warranty is held to be invalid or unenforceable, such invalidity or unenforceability shall not invalidate or render unenforceable the entire Limited Warranty, but rather (unless a failure of consideration would result therefrom) the Limited Warranty shall be construed as if not containing the particular invalid or unenforceable provision or provisions, and the rights and obligations of each party shall be construed and enforced accordingly.

Accessory Limited Warranty

Accessory Limited Warranty The accessory provided to YOU and intended for use in conjunction with YOUR specific model of Debit Tracker (the “Accessory”), will be free from defects in workmanship and materials for a period that is the shorter of: (a) one (1) year from the date that the Accessory was first purchased by YOU as an original end-user (“YOU”) and (b) the period ending upon: (1) YOUR breach or termination of the Debit Tracker End-User/Software License Agreement (the “License Agreement”) entered into between YOU and Debit Tracker, Inc. (“Debit Tracker”), or (2) YOUR breach of: (i) this Limited Warranty, (ii) the Limited Warranty provided with the Debit Tracker, (iii) any limited warranty provided with any Debit Tracker accessories or external batteries, or (iv) the safety information provided with the Accessory and/or the Debit Tracker (the “Warranty Period”). This Limited Warranty is not transferable. During the Warranty Period, the Accessory will be repaired or replaced at Debit Tracker’s option, without charge to YOU for either parts or labor. If the Accessory is repaired or replaced during the Warranty Period, the Warranty Period will expire, upon the later of the 91st day after repair or replacement or one year from the date of original purchase. This Limited Warranty does not apply to normal wear and tear or if the Accessory or any component thereof is opened or repaired by someone not authorized by Debit Tracker, and does not cover repair or replacement of any Accessory damaged by: misuse, moisture or liquids, proximity or exposure to heat, accident, abuse, neglect, misapplication, or defects due to repairs or modifications made by anyone other than Debit Tracker. This Limited Warranty does not cover physical damage to the surface of the Accessory. This Limited Warranty does not apply to any equipment other than the Accessory. This Limited Warranty also does not apply if the malfunction results from the use of the Accessory in conjunction with accessories, products, services or ancillary or peripheral equipment not expressly approved or provided by Debit Tracker, and where it is determined by Debit Tracker that such malfunction is not the fault of the Accessory itself. Additionally, if malfunction results from the failure of the user to abide by the Safety Information provided with the Accessory or provided with any component of the Debit Tracker, which comprises the Debit Tracker Handheld, any Debit Tracker accessories, including external batteries and SIM cards, the Debit Tracker Desktop Software, and the associated documentation, the Limited Warranty may be void, and if it is not void, it shall not apply. Please consult the documentation provided with the Accessory for instructions on how to obtain customer support for YOUR Accessory. Any repair or replacement pursuant to this limited warranty could be requested by You from Debit Tracker. REPAIR OR REPLACEMENT OF THE ACCESSORY AS PROVIDED HEREIN IS THE EXCLUSIVE REMEDY PROVIDED TO YOU. THIS LIMITED WARRANTY IS IN LIEU OF ALL OTHER WARRANTIES, EXPRESS OR IMPLIED AND EXCEPT AS SET OUT HEREIN ALL REPRESENTATIONS, WARRANTIES, ENDORSEMENTS AND CONDITIONS OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTIES OF TITLE OR NON-INFRINGEMENT AND ANY IMPLIED REPRESENTATIONS, WARRANTIES AND CONDITIONS OF FITNESS FOR A PURPOSE, MERCHANTABILITY, SATISFACTORY QUALITY, DURABILITY, OR ARISING FROM A COURSE OF DEALING OR USAGE OF TRADE ARE HEREBY EXCLUDED. DEBIT TRACKER SHALL NOT BE LIABLE TO YOU AND YOU HEREBY WAIVE ANY INDIRECT, ECONOMIC, SPECIAL, COMMERCIAL, INCIDENTAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS, LOSS OF BUSINESS REVENUE OR EARNINGS, LOST DATA, DAMAGES CAUSED BY DELAYS OR A FAILURE TO REALIZE EXPECTED SAVINGS AND THE LIKE AND PERSONAL INJURY OR WRONGFUL DEATH DAMAGES) ARISING FROM OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THE ACCESSORY, EVEN IF DEBIT TRACKER IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION IS INTENDED TO APPLY AND DOES APPLY WITHOUT REGARD TO WHETHER SUCH DAMAGES ARE CLAIMED, ASSERTED OR BROUGHT IN AN ACTION OR CLAIM SOUNDING IN TORT (INCLUDING NEGLIGENCE) OR CONTRACT, OR UNDER WARRANTY, OR UNDER ANY OTHER LAW OR FORM OF ACTION. IN NO EVENT SHALL DEBIT TRACKER’S LIABILITY TO YOU OR TO ANY THIRD PARTY CLAIMING THROUGH YOU OR ON YOUR BEHALF EXCEED THE PURCHASE PRICE OF THE ACCESSORY YOU PURCHASED OR THE COST OF REPAIRING OR REPLACING THE ACCESSORY, WHICHEVER IS GREATER. Waiver by Debit Tracker of any default will not be deemed a continuing waiver of such default or a waiver of any other default. This Limited Warranty is to be construed under the laws of the State of Indiana, excluding any body of law governing conflicts of law. The United Nations Convention on Contracts for the International Sale of Goods is hereby excluded in its entirety from application to this Limited Warranty. Any disagreement or dispute arising out of or relating to this Limited Warranty shall be settled by final and binding arbitration to be conducted in by a single arbitrator in accordance with the Commercial Rules of the American Arbitration Association. No dispute between the parties, or involving any person but YOU, may be joined or combined together, without the prior written consent of Debit Tracker. If a provision of this Limited Warranty is held to be invalid or unenforceable, such invalidity or unenforceability shall not invalidate or render unenforceable the entire Limited Warranty, but rather (unless a failure of consideration would result therefrom) the Limited Accessory Limited Warranty.