Rules, Regulations and Disclaimers

For Harbor Payments Internet World Wide Web Sites

Harbor Payments Corporation, its parent companies, subsidiaries and affiliates ("Harbor Payments") requires that all the visitors to our site(s) on the World Wide Web (the "Site") adhere to the following rules and regulations. By accessing the Site you indicate your acknowledgment and acceptance of these terms and conditions and your agreement to comply with all applicable laws, rules and regulations governing your use of this Site.

  1. LAWS AND REGULATIONS
    User access to and use of the Site is subject to all applicable international, federal, state and local laws and regulations.
  2. COPYRIGHT/TRADEMARKS
    You acknowledge that Harbor Payments or third parties own all rights, title, and interest in and to this Site, and portions thereof, including, but not limited to, all Intellectual Property Rights.   "Intellectual Property Rights" means any and all rights existing from time to time under patent law, copyright law, trade secret law, trademark law, unfair competition law, and any and all other proprietary rights, and any and all applications, renewals, extensions, and restorations thereof, now or hereafter in force and effect worldwide. You acknowledge and agree that no title to any Intellectual Property Rights of Harbor Payments or other third parties is transferred to you, and that you do not obtain any rights, express or implied, in this Site’s Content other than the rights expressly granted in these Rules and Regulations. The trademarks, logos and service marks ("Marks") displayed on the Site are the property of Harbor Payments and other parties. Users are prohibited from using any Marks for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of Harbor Payments or such third party which may own the Marks. All information and content including any software programs available on or through the Site ("Content") is protected by copyright. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any Content available on or through the Site for commercial or public purposes.
  3. HYPERLINKING
    THIS SITE MAY PROVIDE A LINK TO OTHER SITES BY ALLOWING THE USER TO LEAVE THIS SITE TO ACCESS THIRD-PARTY MATERIAL OR BY BRINGING THE THIRD-PARTY MATERIAL INTO THIS SITE VIA "INVERSE" HYPERLINKS AND FRAMING TECHNOLOGY (A "LINKED SITE"). HARBOR PAYMENTS HAS NO DISCRETION TO ALTER, UPDATE, OR CONTROL THE CONTENT ON A LINKED SITE. THE FACT THAT HARBOR PAYMENTS HAS PROVIDED A LINK TO A SITE IS NOT AN ENDORSEMENT, AUTHORIZATION, SPONSORSHIP, OR AFFILIATION WITH RESPECT TO SUCH SITE, ITS OWNERS, OR ITS PROVIDERS. THERE ARE INHERENT RISKS IN RELYING UPON USING, OR RETRIEVING ANY INFORMATION FOUND ON THE INTERNET, AND HARBOR PAYMENTS URGES YOU TO MAKE SURE YOU UNDERSTAND THESE RISKS BEFORE RELYING UPON, USING, OR RETRIEVING ANY SUCH INFORMATION ON A LINKED SITE.

Harbor Payments prohibits caching, unauthorized hypertext links to the Site and the framing of any Content available through the Site. Harbor Payments reserves the right to disable any unauthorized links or frames and specifically disclaims any responsibility for the Content available on any other Internet sites linked to the Site. Access to any other Internet sites linked to the Site is at the user's own risk. User should be aware that Linked Sites may contain rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that differ from the provisions provided on the Site. Harbor Payments is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.

  1. NO WARRANTIES
    ALL CONTENT, PRODUCTS, AND SERVICES ON THE SITE, OR OBTAINED FROM A A LINKED SITE ARE PROVIDED TO YOU "AS IS" WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY.

    HARBOR PAYMENTS DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR (A) THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE OR STATEMENT MADE THROUGH THE SITE BY ANY PARTY OTHER THAN HARBOR PAYMENTS, (B) ANY CONTENT PROVIDED ON LINKED SITES OR (C) THE CAPABILITIES OR RELIABILITY OF ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED SITE.

    OTHER THAN AS REQUIRED UNDER APPLICABLE CONSUMER PROTECTION LAW, UNDER NO CIRCUMSTANCE WILL HARBOR PAYMENTS BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A USER'S RELIANCE ON INFORMATION OBTAINED THROUGH THE SITE OR A LINKED SITE, OR USER'S RELIANCE ON ANY PRODUCT OR SERVICE OBTAINED FROM A LINKED SITE. IT IS THE RESPONSIBILITY OF THE USER TO EVALUATE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY OPINION, ADVICE OR OTHER CONTENT AVAILABLE THROUGH THE SITE, OR OBTAINED FROM A LINKED SITE. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC OPINION, ADVICE, PRODUCT, SERVICE, OR OTHER CONTENT.

HARBOR PAYMENTS DOES NOT WARRANT THAT THIS SITE IS COMPATIBLE WITH YOUR EQUIPMENT OR THAT THIS SITE IS FREE OF VIRUSES, WORMS, BOTS, OR ANY OTHER HARMFUL, INVASIVE, OR CORRUPTED FILES.

  1. LIMITATION OF LIABILITY FOR USE OF THE SITE AND LINKED SITES
    THE INFORMATION, SOFTWARE, PRODUCTS AND DESCRIPTIONS OF SERVICES PUBLISHED ON THE SITE OR A LINKED SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS, AND HARBOR PAYMENTS SPECIFICALLY DISCLAIMS ANY LIABILITY FOR SUCH INACCURACIES OR ERRORS. HARBOR PAYMENTS DOES NOT WARRANT OR REPRESENT THAT THE CONTENT ON THE SITE OR LINKED SITE IS COMPLETE OR UP-TO-DATE. HARBOR PAYMENTS IS UNDER NO OBLIGATION TO UPDATE ANY CONTENT ON THE SITE. HARBOR PAYMENTS MAY CHANGE THE CONTENT ON THE SITE AT ANY TIME WITHOUT NOTICE. HARBOR PAYMENTS MAY MAKE IMPROVEMENTS OR CHANGES TO THE SITE AT ANY TIME.

    YOU AGREE THAT HARBOR PAYMENTS, ITS AFFILIATES AND ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS WILL NOT BE LIABLE, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY INDIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR INDIRECT DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY) ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE SITE OR A LINKED SITE, OR WITH THE DELAY OR INABILITY TO USE THE SITE OR A LINKED SITE, EVEN IF HARBOR PAYMENTS IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES WHICH MAY INFECT A USER'S EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS (e.g., YOU CANNOT ACCESS YOUR INTERNET SERVICE PROVIDER), UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, STRIKES OR OTHER LABOR PROBLEMS OR ANY FORCE MAJEURE. HARBOR PAYMENTS CANNOT AND DOES NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THE WEB SITE.
  2. LIMITATION OF LIABILITY FOR SERVICES ARRANGED THROUGH THE SITE
    YOU AGREE THAT HARBOR PAYMENTS IS A MERE AGENT FOR THE PROVIDERS OF SERVICES AVAILABLE THROUGH THE SITE. ANY AND ALL CLAIMS REGARDING ANY FAILURE OR BREACH WITH RESPECT TO THE SERVICES OFFERED THROUGH THE SITE ARE LIMITED TO CLAIMS AGAINST ANY AND ALL SERVICE PROVIDERS. HARBOR PAYMENTS HEREBY DISCLAIMS ANY LIABILITY, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, INCLUDING WITHOUT LIMITATION LIABILITY FOR ANY DIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL, INCIDENTAL OUR INDIRECT DAMAGES, IN CONNECTION WITH THE GOODS OR SERVICES PROVIDED BY ANY CARRIER OR OTHER SUPPLIER THROUGH THE SITE, INCLUDING WITHOUT LIMITATION LIABILITY FOR ANY ACT, ERROR, OMISSION, INJURY, LOSS, ACCIDENT, DELAY OR IRREGULARITY WHICH MAY BE INCURRED THROUGH THE FAULT, NEGLIGENT OR OTHERWISE, OF SUCH CARRIER OR SUPPLIER AND YOU HEREBY EXONERATE HARBOR PAYMENTS FROM ANY LIABILITY WITH RESPECT TO THE SAME.
  3. CONFIDENTIALITY OF USER COMMUNICATIONS
    Except as required by law and in accordance with the Harbor Payments Internet Privacy Statement, View Harbor Payments’ Internet Privacy Statement, Harbor Payments will maintain the confidentiality of all user communications which contain personal user information and which are transmitted directly to Harbor Payments. Postings by a user on any message board or in any chat room will not be protected as confidential and Harbor Payments may use and provide information contained in any such postings (including any ideas, concepts, know-how or other intellectual property) to any of its parent company, subsidiaries and affiliates for any purpose whatsoever and as deemed appropriate by Harbor Payments. User should be aware that Linked Sites may contain confidentiality provisions that differ from the provisions provided herein. Harbor Payments is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.
  1. INDEMNIFICATION

You shall defend and indemnify and hold Harbor Payments, its agencies, service providers, and their parents, subsidiaries, affiliates, officers, employees, directors, representatives, and agents harmless from any claim, cause of action or demand, loss, liability, or damages (including reasonable attorneys' fees, accounting fees, and costs) made or brought by you or by any third party due to or arising out of your use of this Site or any Content or, your participation in any service or program offered on or through this Site, the violation of these Rules and Regulations by you or someone using your computer or your username and password, any user submission posted by you, or the infringement or violation by you, or other user of this Site using your computer or your username and password, of any Intellectual Property Rights or other right of any person or entity.  Harbor Payments reserves the right to exclusively defend and control any claims arising from the above and any such indemnification matters and you agree that you will fully cooperate with us in any such defenses

  1. YOUR CONTACT WITH ADVERTISERS
    Your dealings or correspondence with, or participation in promotions of, advertisers found on or through the Site (including, without limitation, payment and delivery of related products or services, and any other terms, conditions, representations or warranties associated with such dealings or correspondence) are solely between you and such advertisers. Harbor Payments makes no representations or warranties with respect to any advertising content of, or any products or services that may be obtained from, such advertisers. You agree that Harbor Payments will not be responsible or liable with respect to any loss or damage of any kind incurred as a result of: (a) any such dealings or correspondence between you and such advertisers, (b) content, products or services of such advertisers, or (c) the presence of such advertisers on the Site.
  2.  NO INVESTMENT ADVICE OR OFFERS
    Nothing in the Site constitutes investment advice, including Harbor Payments' filings with the Securities and Exchange Commission. Harbor Payments provides investor relations materials for convenience and information only. In addition, investor relations materials and other Web Site content are not offers to sell or solicitation of an offer to buy any security.
  3. PRESS RELEASES
    All press releases and other materials presented or released to the financial community that are contained on the Site were, to the best of Harbor Payments' knowledge, timely and accurate when issued. However, the passage of time can render information stale, and you should not rely on the continued accuracy of any such material beyond the date of issuance. Harbor Payments has no responsibility to update any information contained in any such material. All viewers should carefully check the dates of issuance of the material contained in the Site.
  4. POSTINGS
    Harbor Payments is under no obligation to review any messages, information or content ("Postings") posted on the Site by users and assumes no responsibility or liability relating to any such Postings. Notwithstanding the above, Harbor Payments may from time to time monitor the Postings on the Site and may decline to accept and/or remove any Postings that contain:
  1. TRANSMISSION OF PERSONAL DATA
    User acknowledges and agrees that by providing Harbor Payments with any personal or proprietary user information through the Site, user consents to the transmission of such personal or proprietary user information over international borders as necessary for processing in accordance with Harbor Payments' standard business practices.  User should be aware that Linked Sites may contain transmission of personal data provisions that differ from the provisions provided herein. Harbor Payments is not responsible for such provisions, and expressly disclaims any and all liability related to such provisions.

    View Harbor Payments’ Internet Privacy Statement
  2. CHANGES TO RULES AND REGULATIONS
    Harbor Payments reserves the right to revise these Rules and Regulations at any time and users are deemed to be apprised of and bound by any changes to these Rules and Regulations.  Harbor Payments will indicate that changes to these Rules and Regulations have been made by updating the date indicated after "Last Modified" at the end of these Rules and Regulations. Any changes to these Rules and Regulations will be effective immediately upon posting of the revised Rules and Regulations to this Site, and users are deemed to be apprised of and bound by any such changes to these Rules and Regulations upon such posting. Your continued use of this Site constitutes your affirmative: (a) acknowledgment of the Rules and Regulations and changes to the Rules and Regulations, and (b) agreement to abide by and be bound by the Rules and Regulations as modified. Should you object to any Rules and Regulations of this Site or any subsequent modifications thereto or become dissatisfied with this Site in any way, your only recourse is to immediately discontinue your use of this Site
  3. VIOLATIONS OF RULES AND REGULATIONS
    Harbor Payments reserves the right to seek all remedies available at law and in equity for violations of these Rules and Regulations, including the right to block access from a particular Internet address to the Site.  In addition, Harbor Payments may, in its sole discretion, immediately terminate your access to this Site should we believe you are violating or have violated these Rules and Regulations.  
  4. ACCESS TO PASSWORD PROTECTED/SECURE AREAS
    Access to and use of password protected and/or secure areas of the Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Site may be subject to prosecution.
  1. PRIVACY

      Any information we may collect from or about you through your use of this Site is subject to Harbor Payments’ Internet Privacy Statement View Harbor Payments’ Internet Privacy Statement. You acknowledge and agree to the terms of Harbor Payments’ Internet Privacy Statement View Harbor Payments’ Internet Privacy Statement. By providing Harbor Payments with any personal or proprietary user information through this Site, you consent to the transfer of such personal and proprietary user information over international borders and to the processing of such personal and proprietary user information in various countries around the world . 

  1. DIGITAL MILLENNIUM COPYRIGHT ACT - NOTIFICATION TO HARBOR PAYMENTS REGARDING ALLEGED COPYRIGHT INFRINGEMENT
    Harbor Payments respects third party's intellectual property rights. Harbor Payments reserves the right to remove any Content on the Site which allegedly infringes another person's copyright. Notices to Harbor Payments regarding any alleged copyright infringement on the Site should be directed to: technologies.group.counsel@aexp.com
  2. JURISDICTION/GOVERNING LAW
    Users of this Site agree to submit to the laws of the State of New York, USA and applicable federal law without regard to conflicts of laws principles.

Last Modified: May 6, 2009