You agree to access and use the CEMCS Microfinance Bank Website only for lawful purposes. You are solely responsible for the knowledge of and adherence to any and all laws, statutes, rules and regulations, pertaining to (i) your use of the CEMCS Microfinance Bank Website, including any Interactive Area, (ii) the use of any networks or other services connected to the CEMCS Microfinance Bank Website, and (iii) the communications means by which you connect your modem, computer, or other equipment to the CEMCS Microfinance Bank Website. By accessing the CEMCS Microfinance Bank Website, you agree that you will not:

• Restrict or inhibit any other user from using and enjoying the Interactive Features;
• 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 offence, give rise to civil liability or otherwise violate any local, state, national, or international law;
• Post or transmit any information, software, or other material which violates or infringes in the rights of others, including material which is an invasion of privacy or publicity rights or which is protected by copyright, trademark or other proprietary right, or derivative works with respect thereto, without first obtaining permission from the owner or right holder.
• Post or transmit any information, software or other material which contains a virus or other harmful component;
• Alter, damage or delete any Content or other communications that are not your own Content or to otherwise interfere with the ability of others to access the CEMCS Microfinance Bank Website;
• Disrupt the normal flow of communication in an Interactive Area;
• Claim a relationship with or to speak for any business, association, institution or other organization for which you are not authorized to claim such a relationship;
• Violate any operating rule, policy or guideline of your Internet access provider or online service.

You may upload to any Interactive Area or otherwise transmit, post, publish, reproduce or distribute, on or through the CEMCS Microfinance Bank Website only Content that is not subject to any Intellectual Property Rights, or Content in which any holder of Intellectual Property Rights has given express authorization for distribution over the Internet and on the CEMCS Microfinance Bank Website, without restriction whatsoever. Any Content submitted with the consent of a copyright owner other than you should contain a phrase such as "Copyright owned by [name of owner]; Used by Permission." By submitting Content to any Interactive Area, you automatically grant and/or warrant that the owner of such Content, whether it be You or a third party, has expressly granted to CEMCS Microfinance Bank the royalty-free, perpetual, irrevocable, non-exclusive, unrestricted, worldwide right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, sublicense, distribute, perform, and display such Content, in whole or in part, worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed for the full term of any Intellectual Property Rights that may exist in such Content. You also permit CEMCS Microfinance Bank to sublicense to third parties the unrestricted right to exercise any of the foregoing rights granted with respect to such Content. You also permit any User to access, view, store and reproduce the Content for personal use.

You acknowledge that the CEMCS Microfinance Bank Website may include various interactive areas ("Interactive Areas"), including but not limited to classifieds. These Interactive Areas allow feedback to the CEMCS Microfinance Bank Website and real-time interaction between users. You further understand that CEMCS Microfinance Bank does not control the messages, information, or files delivered to such Interactive Areas and that the CEMCS Microfinance Bank Website may offer you and other Users the capability of creating and managing an Interactive Area. However, neither CEMCS Microfinance Bank, its subsidiary and parent companies, or affiliates, nor their respective directors, officers, employees and agents are responsible for Content within any Interactive Area. Your use and/or management of an Interactive Area will be governed by this Agreement and any additional rules or operating procedures of any Interactive Area established by you or another User, as applicable. You recognize that CEMCS Microfinance Bank cannot, and does not intend to, screen communications in advance. Moreover, because the CEMCS Microfinance Bank Website encourages open and candid communication in the Interactive Areas, CEMCS Microfinance Bank cannot determine in advance the accuracy or conformance to this Agreement of any Content transmitted in an Interactive Area. The CEMCS Microfinance Bank Website is not responsible for screening, policing, editing, reviewing or monitoring any Content in an Interactive Area. Notwithstanding the above, you agree that CEMCS Microfinance Bank has the right to monitor any Interactive Area, from time to time and to disclose any information as necessary to satisfy any law, regulation or other governmental request, to operate the Interactive Area, or to protect itself or other Users. If notified of Content that is alleged not to conform to this Agreement, CEMCS Microfinance Bank may investigate the allegation and determine in its sole discretion whether to remove or request the User to remove such Content. CEMCS Microfinance Bank reserves the right to prohibit conduct, communication or Content within an Interactive Area, or to edit, refuse to post, or to remove any Content, in whole or in part, which it deems in its sole discretion to (i) violate the then-standard provisions of this Agreement or any other standard, written CEMCS Microfinance Bank Website policy in effect at that time, (ii) be harmful to the rights of any User, CEMCS Microfinance Bank, or other third parties, (iii) violate applicable law, or (iv) be otherwise objectionable.

The only right with respect to dissatisfaction with any policies, guidelines, or practices of CEMCS Microfinance Bank in operating the CEMCS Microfinance Bank Website, or any change in Content, is for you to discontinue accessing the CEMCS Microfinance Bank Website. CEMCS Microfinance Bank may terminate or temporarily suspend your access to all or any part of the CEMCS Microfinance Bank Website, without notice, for conduct that CEMCS Microfinance Bank believes is a violation of this Agreement or any policies or guidelines posted by CEMCS Microfinance Bank, or for other conduct which CEMCS Microfinance Bank believes, in its sole discretion, is harmful to CEMCS Microfinance Bank or other Users. CEMCS Microfinance Bank may discontinue operating the CEMCS Microfinance Bank Website and terminate this Agreement without notice at any time for any reason in its sole discretion. In the event of termination, you are no longer authorized to access the CEMCS Microfinance Bank Website, including the Interactive Areas, and the restrictions imposed on you with respect to Content downloaded from the CEMCS Microfinance Bank Website, as well as the disclaimers and limitations of liabilities set forth in this agreement, shall survive.

5.1 Links.

You understand that except for Content, products or services expressly available at the CEMCS Microfinance Bank Website, neither CEMCS Microfinance Bank, its subsidiary and parent companies, or affiliates, or their respective directors, officers, employees, and agents controls, provides, or is responsible for any Content, goods or services available through sites on the Internet linked to or from the CEMCS Microfinance Bank Website. All such Content, goods and services are made accessible on the Internet by independent third parties and are not part of the CEMCS Microfinance Bank Website or controlled by CEMCS Microfinance Bank. CEMCS Microfinance Bank neither endorses nor is responsible for the accuracy, completeness, usefulness, quality or availability of any Content, goods or services available on any site linked to or from the CEMCS Microfinance Bank Website, which are the sole responsibility of such independent third parties, and your use thereof is solely at your own risk. Neither CEMCS Microfinance Bank, its subsidiary and parent companies, or affiliates, or their respective directors, officers, employees, and agents shall be held responsible or liable, directly or indirectly, for any loss or damage caused or alleged to have been caused by your use of or reliance on any Content, goods or services available on any site linked to or from the CEMCS Microfinance Bank Website or your inability to access the Internet or any site linked to or from the CEMCS Microfinance Bank Website.

You agree to indemnify and hold CEMCS Microfinance Bank, its parent or subsidiary companies and their affiliates, and their respective directors, officers, employees, and agents from any and all liabilities, claims and expenses, including reasonable attorneys fees, arising from breach of this Agreement, any other policy, your use or access of the CEMCS Microfinance Bank Website or any Internet site linked to or from the CEMCS Microfinance Bank Website, or in connection with the transmission of any Content on the CEMCS Microfinance Bank Website.

This Agreement comprises the entire agreement between CEMCS Microfinance Bank and you, and supersedes any prior agreements with respect to the subject matter herein. CEMCS Microfinance Bank may revise this Agreement or any other policy at any time and from time to time, and such revision shall be effective two (2) days upon posting notice of such revision prominently on the CEMCS Microfinance Bank Website. You agree to review this Agreement periodically to be aware of such revisions. If any such revision is unacceptable to you, you must discontinue accessing the CEMCS Microfinance Bank Website. 

Your continued accessing and use of the CEMCS Microfinance Bank Website following notice of any such revision shall conclusively be deemed acceptance of all such revisions. The provisions of Sections 1.2, 2.1, 2.2, 5.1, 5.2, 5.3, 6 and 7 shall survive the termination or expiration of this Agreement. If any provision of this Agreement or any other policy be held invalid or unenforceable, that portion shall be construed in accordance with applicable law as nearly as possible to reflect the original intention of the parties and the remaining portions will continue in full force and effect. The failure of CEMCS Microfinance Bank to insist upon or enforce strict performance of any provision of this Agreement shall not be construed as a waiver of any provision or right. This Agreement shall be governed by the laws of the state or province of domicile of CEMCS Microfinance Bank, excluding its conflict of laws rules, and you and the CEMCS Microfinance Bank Website each submit to the exclusive jurisdiction of the courts of that state or province.

This Agreement is personal to you and you may not assign your rights or obligations thereunder to anyone. All logos, brand names, products, trademarks and service marks appearing herein may be the trademarks or service marks of their respective owners. References to any trademark, service mark and links to or from the CEMCS Microfinance Bank Website have been done strictly for clarification and identification and does not constitute endorsement by CEMCS Microfinance Bank of the products, services or information offered by the owner of such trademark, service mark or link or endorsement of CEMCS Microfinance Bank by such trademark, service mark or link owner.