These Terms of Use ("Terms") govern the use of the Quantum Identity Group, Inc. ("we," "us," "Quantum Identity Group") website ("Site"). ANYONE ACCESSING THE SITE AGREES TO ABIDE BY THESE TERMS. We may modify these Terms at any time, and such modification shall be effective immediately upon posting on the Site. Your continued access or use of the Site after the modifications have become effective shall be deemed your conclusive acceptance of the modified Terms.

License

The contents of our Site, including its "look and feel" (e.g., text, graphics, images, logos, and button icons), editorial content, notices, software (including HTML or XML-based computer programs) and other material, are protected under both United States and foreign copyright, trademark, and other laws. These contents belong or are licensed to Quantum Identity Group. We hereby grant you the right to view and use our Site subject to these Terms. You may download or print a copy of information provided in the Site for internal use or distribution only. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any other purpose is expressly prohibited, unless prior written consent is obtained from us.

Your Responsibility and Release

YOU ASSUME ALL RESPONSIBILITY FOR YOUR USE OF AND ACCESS TO THIS SITE, ANY LITERATURE AND INFORMATION IT CONTAINS (“CONTENT”), AND ANY PRODUCTS OR SERVICES OFFERED OR MADE AVAILABLE THROUGH THE SITE, AND WAIVE ALL CLAIMS OR CAUSES OF ACTION AGAINST QUANTUM IDENTITY GROUP, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS AND AFFILIATES IN CONNECTION THEREWITH UNDER ANY THEORY OF LIABILITY OR INDEMNITY, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF USE, LOSS OF DATA (INCLUDING USER SUBMISSIONS OR OTHER CONTENT) OR PROGRAMS, LOST PROFITS, BUSINESS INTERRUPTION, INDEMNIFICATION OF THIRD PARTIES, AND THE LIKE, EVEN IF QUANTUM IDENTITY GROUP IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF WHETHER SUCH DAMAGES ARISE OUT OF CONTRACT OR TORT. If you are a California resident, you waive California Civil Code § 1542, which says "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if not known to him must have materially affected his settlement with the debtor."

Limitation of Liability

TO THE EXTENT THAT THE LIMITATION OF LIABILITY SET FORTH IN PARAGRAPH 2 IS UNENFORCEABLE UNDER APPLICABLE LAW, IN NO EVENT SHALL QUANTUM IDENTITY GROUP, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, BE LIABLE FOR: (A) LOSSES OR DAMAGES IN EXCESS OF THE GREATER OF FIVE HUNDRED UNITED STATES DOLLARS OR THE MINIMUM AMOUNT REQUIRED UNDER APPLICABLE LAW, OR (B) ANY INDIRECT, SPECIAL, EXEMPLARY, PUNITIVE, INCIDENTAL, OR CONSEQUENTIAL LOSSES OR DAMAGES.

Our Responsibility

Quantum Identity Group is not an agent of you, the customer, or any partner bank, provider of capital, lender or broker (referred to collectively as "Providers"). You are under no obligation to use Quantum Identity Group to commence the process of obtaining any product or service and Quantum Identity Group does not guarantee that obtaining a business plan will result in your receiving a financial or other product or service from a Provider. A business plan does NOT guarantee a loan. Rather, it is a document used by one or more Providers to determine your eligibility for one or more products or services. You may have to complete an application with a Provider before they will extend an offer. A Provider may require you to pay an application fee to cover certain costs. The Provider will determine the amount of any such fees, and should provide information to you regarding the refundability of any such fees.

Site Disclaimer

THIS SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE." WE DISCLAIM ALL WARRANTIES , EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, WITH RESPECT TO THE SITE AND ITS CONTENT, AS WELL AS ANY PRODUCTS OR SERVICES OFFERED OR MADE AVAILABLE THROUGH THE SITE. WE MAKE NO GUARANTEE THAT THE INFORMATION ON THIS SITE IS UP-TO-DATE, ACCURATE, OR COMPLETE, AND YOU SHOULD NOT RELY ON IT FOR ANY DECISION OR TO TAKE ANY ACTION. WE HEREBY DISCLAIM ANY WARRANTY THAT THE INFORMATION ON THIS SITE WILL BE FREE OF INTERRUPTION, OR THAT THE SITE IS FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT MANIFEST CONTAMINATING OR DESTRUCTIVE PROPERTIES. Changes are periodically made to the information herein; these changes will be incorporated in new editions of the Site.

NOT INVESTMENT, TAX OR LEGAL ADVICE

The Site’s Content is not appropriate for the purposes of making a decision to carry out a financial transaction or trade. Nor does it provide investment, tax, or legal advice or make any specific recommendations regarding particular financial vehicles, investments, products or services. You should not act or rely on information provided herein without seeking the advice of an investment advisor, accountant, or attorney, as appropriate.

Additional Products and Services Disclaimer

Quantum Identity Group makes available certain descriptions of products and services on the Site. Quantum Identity Group does not represent or warrant that any particular product or service will conform to those descriptions. Each product or service is governed specifically and exclusively by the instrument and/or agreement entered into by the parties for that product or service and not by any information posted on the Site. This paragraph 8 is in addition to and not instead of the disclaimers set forth in paragraphs 2-7 above.

Indemnity

You agree to indemnify, defend and hold harmless Quantum Identity Group, its officers, directors, employees, agents and affiliates from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, arising out of or relating to any violation of these Terms or any activity related to use of the Site (including but not limited to infringement of third parties' worldwide intellectual property rights or negligent or wrongful conduct) by you or any other person accessing the Site on your behalf.

Restricted Access Portions Of The Site

You agree to take reasonable measures to ensure that no unauthorized person or entity shall have access to restricted areas of the Site using your user name or password. You agree that, if you are provided rights to access or use restricted areas of the Site, those rights are non-transferable. You may not assign, sublicense, transfer, pledge, lease, rent, or share the user name and password to any one other than an employee or agent authorized to act on your behalf, and subject to all of the provisions set forth in these Terms. You assume all responsibility for loss or misuse of your password and are responsible for any activities undertaken by a person in possession of your user name or password for any reason other than solely due to the gross negligence or willful misconduct of Quantum Identity Group.

Employment Opportunities

We welcome expressions of interest in employment with Quantum Identity Group. Quantum Identity Group does not discriminate in hiring or employment on the basis of race, color, religion, disability, national origin, age, sex, or any other characteristic protected by applicable federal, state or local law. You understand that the invitation to submit your resume or expression of interest in a job posted on the Site is not intended to, and does not, create a contract between you and Quantum Identity Group for employment or for any other benefit. You understand that any communication sent by you to Quantum Identity Group inquiring about employment shall not be considered an application for employment and creates no obligation on the part of Quantum Identity Group to respond. Should Quantum Identity Group be interested in exploring employment opportunities with you, we will contact you in response to your inquiry.

Privacy Policy

Quantum Identity Group, Inc., has created this privacy statement in order to demonstrate our commitment to privacy to our customers and users of this Website. This Privacy Policy (see paragraphs 14-25) governs the manner in which Quantum Identity Group, Inc., (“Quantum Identity Group”) uses, maintains and discloses information collected from its customers and users of its Website.

Trust

Quantum Identity Group is committed to developing long-lasting relationships based on trust. In furtherance of this goal, Quantum Identity Group will do everything in its power to ensure that your right to privacy is maintained and protected. This Website is not directed at children less than 13 years of age.

Information We Collect

Quantum Identity Group may request or collect personal information from online users in a variety of ways, including through online forms for ordering products and services, and other instances where users are invited to volunteer such information.

The data we collect is information that identifies you personally, such as:

• Your first and last name
• Your company
• Your job title
• Your phone number
• Your email address
• Your physical address
• Your city
• Your state
• Your zip code
• Your URL

Quantum Identity Group may also collect information about how users access the Website using a tracking ID unique to each user through the use of cookies.

What are Session ID Cookies?

A session ID cookie is a piece of data stored on the user's computer tied to information about the user.  For session ID cookies, once you close your browser or log out, the cookie terminates and is erased. Session ID cookies may be used by Quantum Identity Group to track user preferences while the user is visiting the Website. They also help to minimize load times and save on server processing. Cookies used on the Quantum Identity Group Website do not contain personally identifiable information.

Log Files

Like most standard Websites, we use log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, platform type, date/time stamp, and number of clicks to analyze trends, administer the site, track user's movement in the aggregate, and gather broad demographic information for aggregate use. However, none of the information stored in our log files, including but not limited to IP addresses, is linked to personally identifiable information.

How we use this information

Quantum Identity Group may use the personally identifiable information collected by Quantum Identity Group to contact customers regarding products and services offered by Quantum Identity Group and, to the extent the user has agreed to it, by its trusted affiliates, independent contractors and business partners. We may also use this information for research purposes regarding the effectiveness of our Website services, marketing, advertising and sales efforts. Quantum Identity Group will not in any way share this information with a third party either for free or by selling it, unless you specifically authorize such disclosures.

Disclosure of Information

Quantum Identity Group may also disclose aggregate, anonymous data based on information collected from users to investors and potential partners. In such cases, only statistical information will be disclosed and personally identifiable data will be kept strictly confidential. In case Quantum Identity Group is sold, the information collected from users may be transferred to the new owners.

Quantum Identity Group may from time to time engage third parties, including its own subsidiaries and affiliated companies, to preserve, analyze or otherwise store or manipulate data received by Quantum Identity Group from its customers. In all such cases, third party service providers will be required to treat all such data with the same degree of care as Quantum Identity Group and they will be prohibited from disclosing such data to any other person or party, except as otherwise provided for in this Privacy Policy (see paragraphs 14-25).

Special Offers and Updates

Our customers and users will occasionally receive newsletters or emails with information on products, services, or special offers. Out of respect for the privacy of our users, Quantum Identity Group gives them the opportunity to opt-out from receiving these types of communications.

Legal Disclaimer

Though we make every effort to preserve your privacy, we may need to disclose personal information when required by law, if we have a good-faith belief that such action is necessary and required to comply with a current judicial proceeding, a court order, subpoena or other legal process served on Quantum Identity Group.

The Quantum Identity Group Website contains links to other sites. Please be aware that Quantum Identity Group is not responsible for the privacy practices of such other sites. We encourage you to read the privacy statements of each and every Website that collects personally identifiable information. The Quantum Identity Group Privacy Policy (see paragraphs 14-25) as described herein applies solely to information collected by Quantum Identity Group.

Maintenance of Information

The information provided to Quantum Identity Group is saved indefinitely and may be stored on one or more databases directly or indirectly maintained by Quantum Identity Group. Quantum Identity Group employs industry-standard security measures to protect the confidentiality of the information. While we cannot guarantee that loss, misuse or alteration of data will not occur; we make every effort to prevent such occurrences. Any other particularly sensitive information, such as credit card numbers collected for commercial transactions, is encrypted prior to transmission by you to Quantum Identity Group.

Content Disclaimer and Copyright Notice

The content on this site is provided by Quantum Identity Group and its third-party content providers for your personal information only and is subject to our Terms of Use.  While we try to provide accurate and complete information, Quantum Identity Group does not warrant or assume any legal liability or responsibility for the accuracy, completeness, or usefulness of any information, process, service or product disclosed. Although every small business is faced with certain challenges, each business is uniquely situated and should seek professional advice tailored to meet its needs.

Content on this site is not appropriate for the purposes of making a decision to carry out a transaction or trade. Nor does it provide investment, tax, or legal advice or make any specific recommendations regarding particular financial vehicles, investments, products or services. You should not act or rely on information provided herein without seeking the advice of an investment advisor, accountant, or attorney, as appropriate.

Site content may be subject to copyright by journals and publishers. Use of the copyrighted material is subject to the terms and conditions established by the journal or publisher.

For any issues or questions regarding products or services purchased via links from this site, please contact the product or service provider directly.

Quantum Identity Group welcomes suggestions on how to improve our content and correct errors.

Copyright notice © 2008 Quantum Identity Group, Inc. All Rights Reserved. Any unauthorized duplication is prohibited. Users of this site agree to be bound by Quantum Identity Group's Web site Terms of Use. Please view our Privacy Policy (see paragraphs 14-25 above).

Links To Our Site

We welcome links to our Site from other Websites; however, we in no way operate, control or endorse such sites, and we reserve the right to disallow any such link at any time in our sole discretion. Should you wish to link to our Site, please email our Webmaster.

Questions

Any questions concerning this Terms of Use may be directed by email to our legal department.

To report abuse, please send an email to our Safe Harbor division.