Access and Use
All materials contained in this Site are protected by trademark and copyright laws and must only be used for personal purposes. This means that you may only view or download material from this Site for your own use and you must keep all copyrighted and other proprietary notices attached to the downloaded material.  The reproduction, duplication, distribution (including by way of email, facsimile or other electronic means), publication, modification, copying or transmission of material from this Site is STRICTLY PROHIBITED unless you have obtained the prior written consent of CFM. The material covered by this prohibition includes, without limitation, any text, graphics, logos, photographs, audio or video material or stills from audiovisual material available on this Site. The use of materials from this Site to any other web site or networked computer environment is similarly prohibited.  Requests for permission to reproduce or distribute materials found on this Site can be made by contacting CFM in writing at:

Legal Department - Web
Cash Flow Management
5530 SE Center Street
Portland , OR   97206

info@cfmcollect.com

You are also strictly prohibited from creating works or materials that derive from or are based on the materials contained in this Site including, without limitation, fonts, icons, link buttons, wallpaper, desktop themes, on-line postcards and greeting cards and unlicensed merchandise. This prohibition applies regardless of whether the derivative materials are sold, bartered or given away.

Communication
You are welcome to post, transmit or submit messages and other materials (which include uploading files, inputting data or any other materials or engaging in any form of communication in connection with this Site) (collectively "Messages") to virtual private networks, or other areas within, or in connection with, this Site (collectively "Forums"). However, CFM accepts no responsibility whatsoever in connection with or arising from such Messages. In addition, children under the age of 18 are not authorized to post messages or participate in Forums on this site. CFM has no control over the content of Messages submitted to Forums. Messages submitted to Forums are not necessarily reviewed by CFM prior to receiving and/or posting and content may not necessarily reflect the opinions or policies of CFM. CFM makes no warranties, express or implied, as to the content of the Messages in the Forums or the accuracy and reliability of any Messages and other materials in the Forums. Nonetheless, CFM reserves the right to prevent you from submitting Materials to Forums and to edit, restrict or remove such Messages for any reason at any time. 

CFM assumes no responsibility for actively monitoring Forums for inappropriate Messages. If at any time CFM chooses, in its sole discretion, to monitor the Forums, CFM nonetheless assumes no responsibility for the content of the Messages, no obligation to modify or remove any inappropriate Messages, and no responsibility for the conduct of the user submitting any Message. In submitting Messages to Forums, you agree to strictly limit yourself to the subject matter for which the Forums are intended. You agree that CFM accepts no liability whatsoever if it determines necessary to prevent your Messages from being submitted or if it edits, restricts or removes your Messages. You agree to protect your CFM-provided username(s) and password(s) by not permitting your user of this Site to use, store or reproduce username(s) and password(s) for Site access for purposes outside your business use.  You agree to submit to CFM in writing a list of users authorized to access this Site under your username(s) and password(s), and keep this list current with CFM.  You also understand the importance of security and agree to assist with periodic security updates and evaluations, including but not limited to username(s) and password(s) changes.

You agree and warrant that you will not submit Messages to Forums that::

• Are unlawful, threatening, obscene, vulgar, pornographic, profane or indecent including any communication that constitutes (or encourages conduct that would constitute) a criminal offense, gives rise to civil liability or otherwise violates any local, state, national or international law;

• Violate the copyright, trademark or other intellectual property rights of any other person. By submitting Messages to Forums, you represent to CFM that you are the rightful owner of such material or that you have first obtained permission to submit the material from the rightful owner;

• Improperly assume or claim the identity, characteristics or qualifications of another person

• Are for purposes of spamming

• Contain any virus or other harmful component

• Are libelous, or an invasion of privacy or publicity rights or any other third party rights; or

• Are for commercial purposes by contain advertising or are intended to solicit a person to buy or sell services or to make donations.

You agree that any Message whatsoever submitted by you becomes the property of CFM and may be used, copied, adapted, transmitted, distributed, published, displayed or deleted as CFM sees fit within the parameters of our business relationship. You agree to indemnify and release CFM, and its affiliates together with their respective employees, agents, officers, directors and shareholders, from any and all liability and obligations whatsoever in connection with or arising from your use of Forums. If at any time you are not happy with the Forums or object to any material within Forums, your sole remedy is to cease using them. 

Employment Opportunities
CFM may, from time to time, post CFM-based employment opportunities on the Site and/or invite users to submit resumes to it. If you choose to submit your name, contact information, resume and/or other personal information to CFM in response to employment listings, you are authorizing CFM to utilize this information for all lawful and legitimate hiring and employment purposes. CFM also reserves the right, at its sole discretion, to forward the information you submit to subsidiaries and affiliates for legitimate business purposes. Nothing in these Terms of Use or contained in the Site shall constitute a promise by CFM to interview, hire or employ any individual who submits information to it, nor shall anything in these Terms of Use or contained in the Site constitute a promise that CFM will review any or all of the information submitted to it by users. 

Linked Sites and Advertising
If you are interested in creating hypertext links to this Site, you must contact Legal Department – Web, Cash Flow Management, 5530 SE Center Street , Portland , OR   97206 , before doing so. In establishing hypertext links, you must not represent in any way, expressly or by implication, that you have received the endorsement, sponsorship or support of this Site or CFM, including its respective employees, agents, directors, officers and shareholders. 

If CFM has provided links or pointers to other web sites, no inference or assumption should be made and no representation should be implied that CFM is connected with, operates or controls these web sites. CFM is not responsible for the content or practices of third party web sites that may be linked to this Site. This Site may also be linked to other web sites operated by companies affiliated or connected with CFM. When visiting other web sites, however, you should refer to each such web site's individual "Terms of Use" and not rely on this Agreement.  CFM takes no responsibility for third party advertisements that are posted on this Site, nor does it take any responsibility for the goods or services provided by any advertiser. 

Disclaimer of Liability and Warranties
While CFM does its best to ensure the optimal performance of the Site, you agree that you use this Site and rely on material contained in this Site at your own risk.  The Site, and all materials in this Site, are provided "as is" and, to the fullest extent permitted by law, are provided without warranties of any kind either express or implied. This means, without limitation, that CFM DOES NOT WARRANT that the Site is fit for any particular purpose; that the functions contained in the materials in the Site will be uninterrupted; that defects will be corrected; that the Site is free of viruses and other harmful components or that the Site is accurate, error free or reliable. You acknowledge that CFM and third party content providers, their parents and affiliates together with their respective employees, agents, directors, officers and shareholders, ARE NOT LIABLE for any delays, inaccuracies, failures, errors, omissions, interruptions, deletions, defects, viruses, communication line failures or for the theft, destruction, damage or unauthorized access to your computer system or network.  You acknowledge that CFM is not liable for any defamatory, offensive or illegal conduct or material found in connection with this Site, including such conduct or material transmitted by any means by any other person. You acknowledge that CFM and third party content providers are not liable for any damages, including, without limitation, direct, incidental, special, consequential or punitive damages, in connection with or arising from your use or from your inability to use the Site. 

Indemnity
You agree to defend, indemnify and hold harmless CFM, its parents and affiliates together with their respective employees, agents, directors, officers and shareholders, from and against all the liabilities, claims, damages and expenses (including reasonable attorney's fees and costs) arising out of your use of this Site; your failure to use the Site; your breach or alleged breach of this Agreement or your breach or alleged breach of the copyright, trademark, proprietary or other rights of third parties.

Termination
CFM reserves the right to immediately terminate your use of, or access to, this Site at any time if CFM decides at its sole discretion that you have breached this Agreement or any relevant law, rule or regulation or you have engaged in conduct that CFM considers to be inappropriate or unacceptable. 

Copyright Infringement
If you believe that any material contained in this Site infringes your copyright, you should notify CFM of your copyright infringement claim in accordance with the following procedure.  CFM will process notices of alleged infringement that it receives and will take appropriate action as required by the Digital Millennium Copyright Act ("DMCA") and other applicable intellectual property laws. The DMCA requires that notifications of claimed copyright infringement should be sent to this Site's Designated Agent:

Legal Department - Web
Cash Flow Management
5530 SE Center Street
Portland , OR   97206  

Telephone: (503) 774-1399
E-mail: info@cfmcollect.com

The notification must be in writing and contain the following information (DMCA, 17 U.S.C. §512(c)(3)):

1. Physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;

2. Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;

3. Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material;

4. Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted;

5. A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law;

6. A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Other
This Agreement operates to the fullest extent permissible by law. If any provision of this Agreement is unlawful, void or unenforceable, that provision is deemed severable from this Agreement and does not affect the validity and enforceability of any remaining provisions. This Agreement is governed by, and construed in accordance with, the laws of the State of Oregon without giving effect to any principles of conflicts of law. You agree to submit to the exclusive jurisdiction of the courts of the State of Oregon or, if appropriate, the United States District Court for Oregon for resolution of any dispute, action or proceeding arising in connection with this Agreement or your use or non-use of the Site, and you further irrevocably waive any right you may have to trial by jury in any such dispute, action or proceeding; and agree the prevailing party shall be awarded all attorney fees, costs of collection, and other fees deemed reasonable by the court.