Join our affiliate program and earn cash by promoting our brand and products. Every time you direct a consumer through your Affiliate ID to our site, we handle the entire shopping and buying experience and you earn a commission when that consumer completes a qualifying purchase.

Getting started
  1. Complete this online application.

  2. Once we review and approve your application you will receive notification of your acceptance via e-mail (typically within 48 hours). This notification email will contain your unique Affiliate ID (url) and access to our banners and text links.

  3. Place the banners on your current website.

  4. Start earning cash! (Remember, no commission payments will be made to you until you have provided a valid SSN or EIN number for tax purposes.)

Affiliate Enrollment Form

Login

(please create a username and password)

 
 
 
 

Contact Information

 
 
  (E-mail)
 
 
 
 
 
 
 
 
We must have an EIN to pay you as a company or a Social to pay you as an individual.
 

Direct Deposit Information:

Your payments will be deposited into the supplied checking account
 
 
  (999999999)
 
 

 

Documents will be mailed to this address:

 
 
 
 
     
 

Info about how you do business:

 
 
 
 
Website Content Incentivized Promotions
Search Engines Software
Pay per click Offline Marketing
Email Marketing Other/None
Face to Face  
 
  I work directly with my customers and would like to be notified when they are about to become late. I understand they CAN opt-out.

Ox Publishing Consent to Electronic Records

Please read this information carefully and retain a copy for future reference.

Introduction - To the extent permitted by law, Ox Publishing will provide all disclosures and notices to you in electronic form including, but not limited to, the credit-related disclosures required by the Truth in Lending Act, and any notices (e.g., adverse action notice and privacy policy notice) required by the Fair Credit Reporting Act, Equal Credit Opportunity Act, and Gramm-Leach-Bliley Act, and their implementing regulations. For purposes of this consent, these disclosures and notices are referred to as "Records." This Consent to Electronic Records informs you of your rights when Records will be provided to you electronically. By consenting below, you acknowledge receipt of this Consent to Electronic Records and agree to the electronic delivery of the Records. Hardware and Software

Requirements - The Records will be provided to you either on the Ox Publishing website, in an email message, or as an attachment to an email message sent to the email address you provide as part of your credit application. To access the Records, you will need personal computer or other access device which is capable of accessing the Internet with a web browser. To retain the Record, your access device must have the ability to either download the Records to your computer's hard drive or print the Records.

Right to Withdraw Consent and Procedures for Withdrawal - You may withdraw your consent to receive the Records electronically at any time, or update your contact information at any time by emailing contactus@oxpublishing.com or writing to 871 Coronado Center #200 Henderson NV 89052 and withdrawing your consent or providing your updated contact information.

Consent Applies to Credit Transaction - Your Consent to Electronic Records applies to the credit transaction you've requested and any other product or service you may request from Ox Publishing that may give rise to the obligation to provide the Records.

Right to Paper Records and Copies of Records - You have the right to have the Records provided to you in paper form, rather than electronic form. If you wish to obtain the Records in paper form, contact Ox Publishing by email contactus@oxpublishing.com, or write to Ox Publishing NV Limited 871 Coronado Center #200 Henderson NV 89052. A paper copy of the Record will be provided to you at no charge.


Affiliate Code of Conduct and Agreement
Ox Publishing NV Limited

THIS IS A LEGAL AGREEMENT BETWEEN YOU AND OX PUBLISHING NV LIMITED, AND BY ENROLLING, YOU AGREE THAT YOU HAVE READ AND UNDERSTAND THE TERMS AND CONDITIONS OF THIS AGREEMENT.  YOU FURTHER AGREE TO BE LEGALLY RESPONSIBLE FOR EACH AND EVERY TERM AND CONDITION SET FORTH HEREIN.

AFFILIATE AGREEMENT
This agreement describes the terms and conditions for participation in the Ox Publishing NV Limited Ox Publishing Affiliate Program. The terms "Affiliate," "you,"  "your", and "yours" is referring to you, the applicant. "We" and "our" refer to Ox Publishing.  We are independent parties and this agreement will not form any partnership.  The terms "site", "sites", "website", "websites", and "landing page" refer to any and all websites and/or pages operated by Ox Publishing NV Limited and it's assigns.

AGREEMENT DURATION
The term of this Agreement will begin upon our acceptance of your Affiliate Program application and will end when terminated by either party. Either you or we may terminate this Agreement at any time, with or without cause, by giving the other party written notice of termination. Upon the termination of this Agreement for any reason, you will immediately cease use of, and remove from your site, all Links to any Ox Publishing site, and all Ox Publishing trademarks, logos, and all other materials provided by or on behalf of us to you pursuant hereto or in connection with the Program. You are only eligible to earn commissions on sales occurring during the term, and commissions earned through the date of termination will remain payable only if the related Ox Publishing Product orders are not cancelled or returned. We may withhold your final payment for a reasonable time to ensure that the correct amount is paid.

MODIFICATION
By posting a Change Notice or a new agreement on this site, we may modify any of the terms and conditions within this Agreement at any time and at our sole discretion. These modifications may include, but not limited to changes in the scope of available referral fees, fee schedules, payment procedures and Program rules. If any of the modifications are UNACCEPTABLE TO YOU, your only recourse is to terminate this Agreement. If you CONTINUE PARTICIPATION IN THE PROGRAM following the posting of a Change Notice or new agreement, it will be considered as your acceptance of the change.

COMMISSIONS EARNED:
You will receive a commission from the initial orders placed through your Affiliate Links.  For a sale to generate a commission to an Affiliate, the customer must complete the orderform and remit full payment for the required cash purchase. Affiliate commissions will only be paid on sales which are made through qualified Affiliates. Any returns or charge backs,  will be deducted in the next weeks commission payout. If no commission payment is due, a billing invoice for the amount will be issued.
*Please note that NO COMMISSION is paid on your own purchases of Ox Publishing. In other words you cannot buy from yourself or be your first purchase for the sole purpose of discounting your own product purchase.  However, you may receive a commission for additional sales for yourself.
 
Affiliates must have an active link on their website (if they have one). In order to qualify for commissions, an affiliate must personally sell at least one order during that month.  Commission shall be paid within 7 days after the end of the current pay period. Ox Publishing reserves the right to withhold any commission to Affiliate until (1) it has received payment from customer and (2) the aggregate amount due to Affiliate equals or exceeds Two Hundred and Fifty Dollars ($250). Any earned but unpaid Commissions shall carry over to the next regularly scheduled payment period.  Policy updated June 1, 2008, to pay commissions on a weekly basis.  A "pay period" is defined as a calendar week, midnight Sunday through midnight Saturday, Central standard time.  To get a PDF copy of the Commission Structure, CLICK HERE.

ORDER PROCESSING
Ox Publishing will be solely responsible for processing every order placed by a customer through the Affiliate. Customers who purchase products and services through the OX Affiliate Program will be deemed to be customers of Ox Publishing.  Prices and availability of our products and services may vary from time to time. Ox Publishing's policies will always determine the price paid by the customer. We reserve the right to reject any order that does not comply with our rules, operating procedures and policies.
We will be responsible for tracking the volume and amount of sales generated by your site, and for providing information to Affiliate Sites regarding sales statistics through a weekly commission schedule which will be emailed the week following that pay-period.

It is imperative that you as an affiliate are aware that Ox Publishing will not accept CPN or TIN numbers for credit line applications. If your client uses these fraudulent practices to attempt to gain a line of credit, their application will be rejected, and a refund may not be forthcoming. You will not be allowed to achieve a commission for this type of sale.

WEBSITE RESTRICTIONS
Ox Publishing reserves the right not to accept any site into the Ox Publishing based on site content. Sites that Do Not Qualify for the Ox Publishing Affiliate Program include sites such as sites that are:

·X- rated and promote sexually explicit materials

·Promoting violence and discord.

·Promoting discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age

·Promoting illegal or questionable activities

·Violating intellectual property rights of Ox Publishing

LINKS ON YOUR SITE
As an Affiliate Site, we will make available to you a variety of graphic and textual links (each of these links sometimes being referred to herein as "Links" or, individually, as a "Link"), which, subject to the terms and conditions hereof, you may display as often and in as many areas on your site as you desire. The Links will serve to identify your site as a member of our Affiliate Program and will establish a link from your site to ours. The Links may connect to different areas of our site. In utilizing the Links, you agree that you will cooperate fully with us in order to establish and maintain such Links. You also agree that you will display in your site only those graphic or textual images (indicating a Link) that are provided by us, and you will substitute such images with any new images provided by us from time to time throughout the term of this Agreement. All Affiliate Sites shall display such graphic and/or textual images prominently in relevant sections of their site. All Links may be modified and/or expanded from time to time throughout the term of this Agreement pursuant to the mutual agreement of the parties hereto. Each Link connecting users of your site to the pertinent area of our site will in no way alter the look, feel, or functionality of our site. You will only earn commissions with respect to activity on our site occurring directly through said Links. We will not be liable to you with respect to any failure by you to use these Links, including to the extent that such failure may result in any reduction of amounts that would otherwise be paid to you pursuant to this Agreement.

ADVERTISING
You may not, under any circumstances, without written permission from Ox Publishing NV Limited, use the following keywords, purchase adwords or in any way utilize these words on the internet or in any other form of media except those banners and text links provided for affiliate use: Ox Publishing, Ox Publishing LLC, Ox Publishing NV Limited, ebook credit; ebooks business credit; get credit facts; get business credit facts; AFF Commercial Credit; AFFCC.

PUBLICITY
You shall not create, publish, distribute, or permit any written material that makes reference to us without first submitting such material to us and receiving our written consent.

SPAM (UCE) 
Unsolicited Commercial E-mail - Ox Publishing in no way participates in mass unsolicited e-mailing (i.e. spamming), and all Affiliates are expected to adhere to this policy as well. Violation of this policy will result in the termination of this contract and immediate dismissal from the Ox Publishing Affiliate Program, with no refunds or commission payments from that time forward, regardless of sales in the queue.

SPYWARE AND OTHER PARASITES
Any affiliate suspected of a relationship, formal or informal, with any provider of spyware or parasitic software (as judged by any interference with the operation by design of MERCHANT and/or its partner sites) is subject to punitive actions by MERCHANT, without notice, including but not limited to: suspension of affiliate account; termination of affiliate account; withholding of payments to affiliate; and public notification of affiliate's suspected malfeasance. MERCHANT encourages affiliates to report suspicions of such relationships; and, should substantial proof, as judged by MERCHANT, be provided, MERCHANT reserves the right to assign a value equal to unpaid monies earned by the offending affiliate (or a part thereof) to the reporting affiliate as a bounty.

GUIDELINES FOR APPROVED OPT-IN EMAIL LISTS/SPAMMING
Prior to starting any type of e-mail, enewsletter, etc. campaign, you MUST email us at affil@oxpublishing.com with the dates of the drop.  Include the number being sent and type of campaign with an attachment of what is being sent (approved text only). 

INDEMNIFICATION
You shall indemnify and hold Ox Publishing NV Limited, Ox Publishing LLC, it's directors, officers, employees, shareholders, agents, sub-contractors, representatives, and affiliated companies (referred to as "OX") harmless from and against any and all claims, actions, suits, damages, injuries, losses, deficiencies, liabilities, obligations, commitments, causes of action, costs or expenses of any kind or nature (including reasonable legal fees and other expenses incurred in investigating and defending against the same, plus interest) incurred by OX as a result of any breach of the representations, warranties, covenants, agreements and obligations of your gross negligence or willful misconduct of you or your partners, officers, employees, agents, subsidiaries, parents and affiliates in connection with the provision of services pursuant hereto.  Furthermore, you shall notify OX of any legal claim, demand, right or cause of action asserted, instituted or threatened against us that arises from or in connection with this Agreement, whether or not you are obligated to indemnify us for such claim hereunder.  The terms of this provision shall survive the termination of this Agreement.

ARBITRATION
Any controversies, disputes, actions, causes of action, or other claims arising out of or in connection with the provisions of this Agreement which cannot be settled by mutual agreement between the parties of this agreement shall be finally settled by Arbitration in the State of Nevada in accordance with the American Arbitration Association.  The Arbitrator may enter a default decision against any party who fails to participate in the arbitration proceedings and the decision of the Arbitrator shall be final, may not be appealed, and is binding upon the parties.  Judgment on the award may be entered in any court having jurisdiction thereof.  This Agreement shall be governed by and construed in accordance with the laws of the State of Nevada, without giving effect to the principles of conflicts of laws thereof.

ASSIGNMENT
This Agreement shall not be assigned to any party except by written agreement from Ox Publishing NV Limited, 871 Coronado Center #200 Henderson NV 89052.

ENTIRE AGREEMENT
Unless otherwise agreed to in writing by the parties hereto, this Agreement constitutes the entire agreement between the parties and supercedes any oral representation by either party.  The invalidity, illegality or un-enforceability of any provision of this Agreement shall not affect the balance of the Agreement.     

CONFIDENTIALITY, NON-DISCLOSURE, NON-COMPETE
The information provided through our websites, graphics, and any other communication by any means is considered confidential and proprietary in nature.  By enrolling, you acknowledge that you are not a competitor of Ox Publishing NV Limited, and agree not to share this information with any competitors.  A "Trade Secret" is defined as information without regard to form, including by not limited to, technical or non-technical data; a formula; a pattern, a compilation, a program, a device, a method, a technique, a drawing, a process, financial data, financial plans, product plans, or a list of actual or potential customers or suppliers which is not commonly known by or available to the public, and which information: (A) Derives economic value, actual or potential, from not being generally known to, and not being readily ascertainable by proper means by, other persons who can obtain economic value from its disclosure or use; and (B) is the subject of efforts that are reasonable under the circumstances to maintain its secrecy.  Trade Secrets specifically include any Confidential Information satisfying the criteria in this paragraph.  By your electronic signature in the performance of submitting your application to become an affiliate, you agree not to divulge or use any of the Trade Secrets learned from working with Ox Publishing NV Limited.

DISCLAIMER
We make no express or implied warranties or representations with respect to the Affiliate Program or your potential to earn income from the Ox Publishing Affiliate Program. In addition, we make no representation that the operation of our site or the Affiliate Sites will be uninterrupted or error-free, and we will not be liable for the consequences of any interruptions or down time.

This Agreement will be governed by the laws of the United States and the State of Nevada, without reference to rules governing choice of laws. Any action relating to this Agreement must be brought in the Federal or State courts located in Hendersonville Nevada, and you irrevocably consent to the jurisdiction of such courts. You may not assign this Agreement, by operation of law or otherwise, without our prior written consent. Subject to that restriction, this Agreement will be binding on, inure to the benefit of, and enforceable against the parties and their respective successors and assigns. Our failure to enforce your strict performance of any provision of this Agreement will not constitute a waiver of our right to subsequently enforce such provision or any other provision of this Agreement.

By submitting this Affiliate Agreement form, you acknowledge that you have read this agreement and agree to all its terms and conditions. YOU UNDERSTAND THAT WE MAY AT ANY TIME (DIRECTLY OR INDIRECTLY) SOLICIT CUSTOMER REFERRALS ON TERMS THAT MAY DIFFER FROM THOSE CONTAINED IN THIS AGREEMENT OR OPERATE WEB SITES THAT ARE SIMILAR TO OR COMPETE WITH YOUR WEB SITE. YOU HAVE INDEPENDENTLY EVALUATED THE DESIRABILITY OF PARTICIPATING IN THE AFFILIATE PROGRAM AND ARE NOT RELYING ON ANY REPRESENTATION, GUARANTEE, OR STATEMENT OTHER THAN AS SET FORTH IN THIS AGREEMENT.


Return Policy

No Money Back Guarantee - Some of the products that you can purchase from our website mention a money back guarantee. That guarantee was from the original manufacturer of the product, and is no longer valid.  The verbage is incorrect and Ox Publishing does not offer any guarantee on the products that we sell.

Resell Rights - Some of the products for sale on the Ox Publishing website mention resell rights.  We do not guarantee that any resale rights are available on any of the products we sell.  If you purchase a product, and the product itself says that you have resell rights those rights are between you and the manufacturer.

Return Policy - Products purchased at our store may be returned for the following reasons:

  • Incompatibility with your computer system
  • Manufacturer defect

We do not accept returns because the customer is not satisfied with the products performance.  No products on this website are guaranteed to make you money. It is the customer's responsibility to read the full description of the product before purchase.

Products for Download - EBook Products on our website are for download only. Unless the product you select is a physical product we will not ship an ebook. In the case of books, you may read them on your computer or print them for reading elsewhere.  We suggest reading on the computer because many products take many pages to print. 


Terms and Conditions

EFFECTIVE 9-1-2012

This Document contains the Purchase Agreement and the Terms and Conditions of becoming an Ox Publishing Revolving Credit Account Holder.

BY ACCESSING AND/OR USING THE Ox Publishing WEBSITE (THE "WEBSITE") AND/OR OUR SERVICE (THE "SERVICE"), YOU AGREE TO COMPLY WITH, AND BE BOUND BY, THE FOLLOWING TERMS AND CONDITIONS (THE "AGREEMENT").

Purchase Agreement
Notice -- Read This

WHEN YOU COMPLETE YOUR PURCHASE, YOU, THE BUYER, ARE CLAIMING THAT YOU HAVE READ, ACCEPTED, AND FULLY UNDERSTAND THE TERMS OF THIS AGREEMENT.

THIS AGREEMENT IS A CONTRACT.   UNDER THE TERMS OF THE CONTRACT YOU RECEIVE CERTAIN RIGHTS DUE YOU FROM THE SELLER AND YOU, IN TURN, GIVE THE SELLER CERTAIN RIGHTS THAT AFFECT YOU.   THIS CONTRACT ALSO CONTAINS PROVISIONS THAT DELINEATE AND RESTRICT YOUR RIGHTS ABOUT REFUND AND WARRANTY AND THAT LIMIT THE LIABILITY OF THE SELLER.

YOU MUST ACCEPT THESE TERMS OR THE SELLER WILL NOT TRANSACT BUSINESS WITH YOU OR SELL A PRODUCT, SERVICE OR MEMBERSHIP TO YOU, AND YOUR ORDER WILL NOT BE PROCESSED IF YOU DO NOT ACCEPT THESE TERMS.

YOUR PLEDGE OF AN UNDERSTANDING OF THIS CONTRACT AND ACCEPTANCE OF THE RIGHTS, DUTIES, AND LIMITATIONS EMBODIED IN IT, IS A MATERIAL PART OF THE LEGAL CONSIDERATION THAT THE SELLER REQUIRES FROM YOU AS A CONDITION OF SALE.

PARTIES TO THIS AGREEMENT AND DISCLAIMER
The parties to this agreement are the website or its owners, hereafter "SELLER," and you, the prospective purchaser, hereafter "BUYER".   Persons or entities who are not participants in this contract but who have an indirect relationship, such as a supplier, joint venture partner, membership organization, or sales affiliate, are herein described as "THIRD PARTY OR THIRD PARTIES."     The recipient of the product herein sold, where said product is ordered by and paid for by someone other than the recipient, is classified herein as if that recipient were the ordering BUYER with the same rights, duties, and obligations as the BUYER, but may also be referred to herein as 'RECIPIENT".

SUBJECT MATTER OF THIS PURCHASE AGREEMENT
The subject matter of this agreement is a product, service, or membership described in promotional or sales materials on this website and/or in an email referencing this website, and said website and/or email and its contents are incorporated herein by reference and made a part hereof and constitute a complete description of the product, service or membership that is the subject matter of this Purchase Agreement.   This bundle of offerings, including additional items promoted on the order page, shall, together, be termed 'product' throughout this agreement but the word 'product' shall mean all elements offered in the sale, whether digital, dimensional, or other license or right, and include all sales or promotional materials. Credit reporting is not the product.

PULLING CREDIT FROM CRA'S
Buyer acknowledges that Ox Publishing retains the right to pull a credit report to determine credit worthiness of the applicant. The cost of the credit pull will be borne by Ox Publishing.   The information gathered during the due diligence that Ox Publishing performs, will be strictly protected and remain private (see privacy policy).

CREDIT REPORTING:

YOUR ACCOUNT WITH Ox Publishing CORPORATION WILL BE SOLD TO A CONSUMER FINANCE COMPANY WITHIN APPROXIMATELY 60 DAYS FROM THE DATE OF YOUR PURCHASE. WHILE PAYMENTS ARE DUE ON YOUR ACCOUNT DURING THIS FIRST Sixty (60) DAYS,   YOUR ACCOUNT WILL NOT BE REPORTED TO ANY CREDIT BUREAU UNTIL THE SALE OF YOUR ACCOUNT TO THE CONSUMER FINANCE COMPANY IS COMPLETED.. CREDIT REPORTING DURING THE TERM OF THIS AGREEMENT IS NOT GUARANTEED.

REFUND POLICY
Personal Purchases:   The Ebook and Music product referenced herein is sold with the following refund policy.   A complete refund can be requested and obtained within the first three days of the purchase of the products from this Website. Thereafter, THERE IS A MINIMUM CANCELLATION FEE OF (50%) FIFTY PERCENT  OF  THE  DOLLARS PAID AFTER THREE DAYS. NO REFUNDS WILL BE GRANTED AFTER THIRTY DAYS. A  store credit will be provided on all downloaded products within  30 days of the download of a digital  product.    

Business Purchases:   The product referenced herein is sold with the following refund policy:   THERE IS A MINIMUM CANCELLATION FEE OF ($100.00) ONE HUNDRED DOLLARS, plus the cost of the credit review as it may be stated from time to time on the website. Depending upon the package purchased, according to standard protocol in the publishing industry, the unsold books purchased my be returned by the purchaser within one year of the date of purchase.

Website Purchase: Websites purchased from Seller are sold as is, with NO REFUNDS. All websites shall be hosted by Seller; Seller shall provide a shopping cart, merchant account and functionality that will cause the website to function and to be able to transact business on a cash basis.

Purchases on the Website: Seller shall manage the back end of the Website for the Purchaser, maintain accounting for all collections and shall forward amounts collected from Purchasers Website customers within 30 days of receipt subject to charge backs by the Websites Purchasers. Every effort shall be made to limit charge backs. Seller makes no warranties to Purchaser regarding the potential earnings from website or charge backs.

RIGHTS AND OBLIGATIONS OF THE BUYER
The Buyer must pay the full consideration for this product that the Seller requires as the total price of the product.   This consideration includes not only the purchase price, but other obligations that the Buyer accepts as well as potential rights the Buyer agrees to forego.     By accepting this Purchase Agreement, the Buyer agrees to receive continuing follow-up contact from the Seller including email, mail, newsletters, product updates, product recall notices, product improvements, telephone calls from the Seller and/or telemarketing organizations and/or pollsters for the purpose of solicitation related to the instant product or any other product or service.     Buyer agrees to post-sale contact from joint venture partners of the Seller or from others who have a commercial relationship with the Seller.   Buyer agrees that all personal information about the buyer or his or her buying habits and preferences, including address and phone number, may be placed in a general database and agrees that this information may be shared, rented or sold to third parties.     However, Buyer shall at all times be fully empowered to sever contact with the Seller by notification using the 'unsubscribe' link in solicitations.   Moreover, the Buyer retains the right to refuse specific contact with some third party solicitors and maintain it with others.   The Buyer retains the right to have his or her name removed from a general solicitation database.   The Buyer's agreement to accept solicitation and contact may be reduced, enhanced, limited or terminated by notification to anyone contacting the Buyer.     The burden is on the Buyer to prove that such communication was made to and received by the person making contact.   Buyer agrees that Seller is not liable for communications made to the Buyer by parties unrelated to this purchase even though referred by the Seller.   Buyer accepts full responsibility for limiting unsolicited contact and Buyer understands that he retains all rights to directly restrict communication or solicitation from any party including the Seller.

The Buyer agrees to allow the Seller to collect, store, and use for marketing purposes all information collected from, provided by or otherwise ascertained by electronic means from the Buyer.   The Buyer, specifically, and as part of the consideration paid for this product, waives all right to access, retrieve, or control such information except that the Buyer retains the right to restrict contact as described previously.

The Buyer understands that cookies may be placed on his or her hard drive that will provide information to the Seller and which are necessary for delivering an e-product and which will be able to determine if you retain the right to access the product.   Buyer understands that these cookies or other computer codes will reside on the hard drive and will communicate at times with the Seller's computer and thereby transmit and receive information.

Buyers living in locations that require custom duties and/or VAT taxes to be collected understand that, unless custom duties are collected at the point of sale by the Seller, the Buyer remains responsible for payment of custom duties and taxes at the time the product is received.   If it should happen that the Seller's courier or freight account is charged for custom duties and tax, instead of the Buyer paying referenced charges, then the Buyer hereby authorizes the Seller to bill the Buyer's credit card for said charges or for the return of goods if they are refused at the point of destination.

Consumer Accounts must remain active to remain open. A purchase of $100 every six months is required to maintain the account in an active status. The Consumer is responsible for selecting the products that will constitute the $100 purchase. Said purchase can be financed using the line of credit. Payments on all balances are due over five months. In the event the Consumer does not make a qualifying purchase within the six month period, a  $19.99  per  month  account  maintenance  fee  will  automatically be charged to the account holder's credit card on file.  

Auto-debit:  If you  selected  to have your  invoice  payments and  or membership  payments auto  debited from  your credit/debit  card  on file,  You  hereby  grant  OX  Publishing  the  authority  to  use  that  card  to  make monthly  invoice  and or  membership payments  on  your behalf.  If you elected  not  to use  the auto-debit feature,  you  will be required to  visit that website to  make your  invoice  or membership  payments.  It is  your  sole responsibility  to make your payments  on  time.      

Invoice Payments:  A  invoice  will be due  each  month  that your  account has a  balance  on  or near  the  anniversary  date  that  account is opened.  The  invoice  will drop  first  and  then  the auto  billing  system will attempt to  pay  the  invoice  using  the  credit/debit card  on file.  In the event  that the  card  transaction fails for  any  reason,  notice of the card failure will be  sent from  OX  Publishing. If the account remains unpaid, OX will send a Late Notice each seven days. IT IS YOUR RESPONSIBILITY TO MAKE SURE YOUR CARD IS VALID WHEN PAYMENT IS TO BE MADE. FURTHER IT IS YOUR RESPONSIBILITY TO MAKE YOUR INVOICE PAYMENTS.

Membership Payments: At OX, a purchase of $100 per six months is required to keep the account open and active. In the event that you do not close your account or make the required purchase, a membership fee of $19.99 per month will be assessed on or near the anniversary date of the account opening. In the event that you select the auto debit feature, the Membership Payments will be paid using the card on file.

CREDIT CARD CHARGES AND CREDIT CARD FRAUD PENALTIES
Buyer warrants that he or she is over 18 years of age, not subject to the Child On line Privacy Act, of legal age to enter into contractual agreements in the state in which he is present when he makes this purchase, and is the true and authorised owner of the credit card used to make this purchase.   Any Buyer who violates any of these requirements may be liable for civil or criminal prosecution and agrees to pay liquidated damages of an amount the equivalent of US $10,000 per fraudulent transaction, plus actual damages, and agrees that all information collected by this website may be used for prosecution and may be turned over to law enforcement agencies or to credit card companies and merchant service providers.

If the true and/or authorized owner of the credit card attempts to commit fraud upon the Seller, he authorizes each and every credit card company or merchant service provider to disclose to the Seller all information that could be construed as proof of credit card fraud.

Any Buyer who attempts to perpetrate a fraud upon Seller involving the use of a credit card herewith gives authorization for the Seller to access all credit information about the Buyer from credit reporting agencies and also authorizes the Seller to discover all relevant information from any source about the fraudulent practices of the Buyer and to reveal such information to credit reporting agencies, credit card companies, merchant service providers, and law enforcement agencies.

Buyer agrees that if he uses trickery to receive more than one refund, or if he causes a fraudulent dispute claim that results in a chargeback against the Seller's account, that the Seller is authorized to re-charge the Buyer's credit card that was used for the original purchase to the extent that will make the Seller whole.   Buyer agrees to, in addition to actual damages, pay to the Seller liquidated damages of an amount equivalent to US$10,000 for every separate fraudulent action Buyer commits.

GUARANTEE AND WARRANTY
This product is sold 'as is' without warranty or guarantee of any kind accept that the Seller warrants that the product can be downloaded. In the event ANY product is deemed to be defective, Buyer's only recourse is to select another product or receive a refund in accordance with our refund policy.

ASSUMPTION OF RISK
Buyer agrees to accept all risk associated with the use of this product, including but not limited to, ingestion of or application to Buyer's person, the use of the product personally or in business, all taxes and regulations applicable to this product, all legal compliance issues related to this product.   Buyer warrants an understanding that the Seller is disclaiming all liability from harm of any kind or nature caused directly or indirectly from this product.   Buyer agrees, as part of the consideration required to purchase this product, to carefully review and test this product during the refund period and to immediately request a refund if the product is not satisfactory.

LIMITATION OF LIABILITY AND DISCLAIMER
Buyer warrants an understanding, as required consideration, that the Seller of this product disclaims all liability for the product or damages resulting from use or installation or reliance upon this product for any reason.   Buyer alone accepts full responsibility for allowing others to use this product.   Buyer understands that Seller disclaims liability for any information contained in sales or promotional materials or the product itself that is unintentionally misleading or incorrect that might cause damage to Buyer.

Buyer expressly waives any and all claims for consequential, speculative, and unforeseeable damages resulting from the purchase or use of this product or from subsequent contact with Seller or Third Parties.

Buyer expressly agrees that no matter what may happen because of his or her purchase of this product, or no matter what damage may be allegedly or actually caused by the use of this product, or no matter the harm or damage that may result directly or indirectly from the purchase of this product, for any reason whatsoever, that the absolute maximum extent of Seller's liability shall be an amount no greater than the purchase price of the product.

Buyer agrees and understands that, Seller, specifically but not exclusively, disclaims liability for all damage to Buyer's person or business by using this product, including harm to buyer's computer hardware or software from worms, viruses, or other defects in the product or computer codes that cause harm.   Seller disclaims liability for Buyer's interaction with Third Party soliciting agents who were provided 'leads' by the Seller.   Seller disclaims liability for Buyer's interactions with advertisers on the site.   Seller disclaims liability for Buyer's interaction with other visitors or members of the website.

Buyer agrees that the Seller's total liability, even for erroneous product content that causes damage to the Buyer, shall be limited to the purchase price paid for the product.

LIMITATION OF LIABILITY FROM HARM CAUSED BY THE PRODUCT
Buyer agrees that the Seller's total liability, even from harm caused to the Buyer or to others from use of the product, shall be limited to the purchase price paid for the product.

LIMITATION OF LIABILITY FROM ALL OTHER INJURIES OF ANY KIND
Buyer agrees that the Seller's total liability, for any other injury, harm, or tort of any kind, whether foreseeable or unforeseeable, shall be limited to the purchase price paid for the product.

LIMITATION ON THE LIABILITY LIMITATION
Buyer understands that some states do not allow limitation of liability.

SPECIFIC DISCLAIMERS AS TO 'RESULTS CLAIMS', 'INCOME CLAIMS', OR 'EARNINGS CLAIMS' IN SALES AND PROMOTIONAL MATERIALS OR PRODUCT

If claims about results from using this product or if claims about income or earnings resulting from the use of this product are made, such claims are true for the persons who made the claims, including claims made by the Seller about its own experience with the product.

However, Buyer cannot simply rely on these statements as being duplicable by Buyer because many factors affect results, including just dumb luck.   Some people buy this product to make money and, in fact, make no money.   Some people buy this product and never read it or attempt to implement any of the moneymaking ideas.   Some folks seemingly take to it like a duck to water and can't stop making money.   Nothing promoted on this website should be construed as a 'Get rich quick' scheme.   The products Buyer is buying to learn how to make money or products that Buyer is buying to re-sell, have all been proven money-makers.   The income and earnings statements, if any, tend to reflect the more successful cases and Buyer should not construe this as being the 'average' or usual success story.   As is true in much of life, real success usually requires real work.   Learning about the Internet is not terrible work and it can produce very livable income if Buyer is willing to learn his or her craft and work at it steadily.   Even part-time efforts may bring in some extra money each month.   But it requires learning skills that Buyer may not have a background to easily learn and will certainly require constant education and, perhaps, even psychological motivation to keep Buyer directed toward his or her goals.

If the product Buyer is purchasing is a physical product promoted for a particular purpose and if the promotional materials make claims about the results from the use of this product, Buyer hereby warrants his understanding that there exists some probability that the product will not deliver those same results to any particular Buyer and that the refund of the purchase price (subject to the return of the product to the Seller) is the full remedy for any Buyer who feels the product did not deliver the results claimed.

If the product Buyer is purchasing is a membership or a product 'plan' that claims to produce specific benefits or results or that otherwise involves a recurring fee, the Buyer has a right to terminate the membership or 'plan' upon notice to the Seller.   In this case, the promotional materials describing the membership and the 'plan' and the remedy for dissatisfaction shall be controlling.   If the promotional materials say that part of a fee is not refundable, then it is not.  

Where this disclaimer and claims made in sales and promotional materials or the product are in conflict, this Purchase Agreement shall be controlling except, and unless, the Seller deliberately misled the Buyer or if such construction would cause material inequity.   The sole burden is on the Buyer to substantiate any deliberate deception.   Buyer accepts the obligation to reimburse the Seller for all court costs, investigation costs, attorney fees, and all litigation-related costs in the event Buyer brings suit against the Seller and does not prevail in court or at arbitration.

No warranties are made whatsoever about the amount of money, if any, that Buyer will earn from this material or product or service and Buyer warrants an understanding that Buyer's only course of action is to test this product and material for the extent of the refund period and request a refund if Buyer is not satisfied prior to its expiration.

Buyer, again, warrants an understanding that in any event, for any reason, no matter the amount of damages claimed, as a material part of the consideration for purchase of this product, the maximum amount of liability shall be the purchase price of the product.

PRIVACY POLICY ACCEPTED
Buyer expressly accepts the terms of the Privacy Policy of Seller's website.

TERMS OF USE ACCEPTED
Buyer expressly accepts the Terms of Use of the Seller's website.

RIGHT TO PUBLISH SUBMISSIONS
Buyer agrees that Seller may publish for commercial purposes the full or partial content of any and all communication with Buyer at the Seller's sole discretion.

INDEMNIFICATION
Buyer agrees to indemnify Seller for any and all damage that Buyer causes by using the product or information contained on this website that results in a damage award against the Seller.

RIGHT TO STOP SELLING OR SERVICING PRODUCT OR MEMBERSHIP
Buyer agrees that Seller has the right to discontinue the product, the service, the membership at any time without notice.   Buyer understands that the Seller may discontinue customer service on a product or service at any time without notice.

CALIFORNIA RESIDENTS NOTE
You are entering into a contract that may modify, restrict, or eliminate rights you may have under the California Online Privacy Protection Act of 2003 (OPPA).   Under the Privacy Policy and this Purchase Agreement you waive any right to view or modify the content of our database.   You waive any right to force this business or website to divulge when or to whom your information may have been provided to third parties.   In the event the website elects at its sole discretion to release information to you, you must clearly identify yourself to the website as the named customer who has previously purchased from the website.   We are doing this to protect information being inadvertently provided to fake customers who may have intentions to harm the real customer.   The required identifying information may include credit card info, social security numbers, notarized copies of state issued id, or other id sufficient to allow our counsel to feel comfortable about releasing information - in the event we elect to divulge it at all.   Additionally, this purchase agreement, as part of the consideration required to purchase from this website, requires that you agree to use the American Arbitration Association exclusively in any claim arising from the Terms of Use, Privacy Policy, or Purchase Agreement, and not the courts of the state of California.   The customer also agrees, as part of the required consideration, that any cause of action is presumed to have arisen in the city and county of this business or website, not in the state of California, unless the website is located there, and not in the jurisdiction where the customer resides.

ARBITRATION
As part of the consideration that the Sellers requires, Buyer agrees to use binding arbitration for any claim, dispute, or controversy ("CLAIM") of any kind (whether in contract, tort or otherwise) arising out of or relating to this purchase, this product, including solicitation issues, privacy issues, and terms of use issues.

Arbitration shall be conducted pursuant to the rules of the American Arbitration Association which are in effect on the date a dispute is submitted to the American Arbitration Association.   Information about the American Arbitration Association, its rules, and its forms are available from the American Arbitration Association, 335 Madison Avenue, Floor 10, New York, New York, 10017-4605.   Hearing will take place in the city or county of the Seller.

In no case shall the Buyer have the right to go to court or have a jury trial.   Buyer will not have the right to engage in pre-trial discovery except as provided in the rules; you will not have the right to participate as a representative or member of any class of claimants pertaining to any claim subject to arbitration; the arbitrator's decision will be final and binding with limited rights of appeal.

The prevailing party shall be reimbursed by the other party for any and all costs associated with the dispute arbitration, including attorney fees, collection fees, investigation fees, travel expenses.

JURISDICTION AND VENUE
If any matter concerning this purchase shall be brought before a court of law, pre- or post-arbitration, Buyer agrees to that the sole and proper jurisdiction to be the state of Nevada. In the event that litigation is in a federal court, the proper court shall be in the state of Nevada.

APPLICABLE LAW
Buyer agrees that the applicable law to be applied shall, in all cases, be that of the state of the Nevada.

NOTICE
Buyer herewith agrees to receive Notice of Changes, Litigation, Service of Process, Cancellation, Termination, and Modification of service or product at the email address provided to Seller on the ordering page.     Further, Buyer agrees that the right to contact Buyer concerning legal notice shall not be terminated by previously submitted 'unsubscribed' notices and specifically agrees that any notification to cease contact shall not be binding upon the Seller in regards to Notice of Change, Litigation, Service of Process, Cancellation of Product or Service or Membership or Subscription, Termination of a program, product or website, or Modification of the terms of service or product.   Additionally, the Buyer grants Seller irrevocable right to contact him or her via mail or telephone concerning any of these issues irrespective of other rights the Buyer has to sever contact with Seller.

COSTS
The prevailing party to any arbitration or litigation will be entitled to collect attorney fees and all other costs of the arbitration or litigation, including filing fees, investigation fees, collection fees, and travel expenses from the other party.

MODIFICATION
This Purchase Agreement cannot be modified in any manner between the Seller and this Buyer unless modifications are made in writing signed by both parties.   However, the Seller may modify this Purchase Agreement at any time for other Buyers without notice to the instant Buyer.

ENFORCEABILITY OF PROVISIONS
In the event that some provisions, terms, conditions of the Purchase Agreement are held to be invalid or unenforceable, the remainder of the provisions that are enforceable shall control.   Additionally, Buyer and Seller agree that, if any provision is found to be invalid or unenforceable, the arbitrating panel will construe such provision to the maximum extent that it might be found to be valid or enforceable.

WAIVER OF BREACH
The Seller's waiver (failure to enforce) any term of this agreement shall not be construed as a modification or an amendment to this agreement or constitute a waiver of other breaches.

SELLER CONTACT INFORMATION
The Seller of this product is:   Ox Publishing NV Limited., 871 Coronado Center #200 Henderson NV 89052

FINAL ACCEPTANCE
By taking the affirmative step of purchasing of a product, service, or membership, you, the Buyer, attest that you have fully read, understand, and accept the terms of this Purchase Agreement contract, and warrant to the Seller that said affirmative digital acceptance shall be deemed to be the same as if you had affixed your signature to this Purchase Agreement contract.

COPYRIGHT (C)  2010  OX PUBLISHING NV LIMITED ALL RIGHTS RESERVED


 


Ox Publishing Revolving Credit Account Agreement
Consumer Disclosures, & Privacy Policy

Part I - GENERAL TERMS AND CONDITIONS
In this Ox Publishing NV Limited Revolving Credit Account Agreement; Consumer Disclosures; and Privacy Policy, the term " Ox Publishing " includes its successors and assignees.  Throughout, the Ox Publishing Revolving Credit Account Agreement; Consumer Disclosures; and Privacy Policy, which include the terms and conditions governing Ox Publishing Revolving Credit Accounts, the "Billing Rights Notice," and the " Ox Publishing Privacy Policy," collectively will be referred to as the "Agreement."  As used in Parts I and II of the Agreement, the terms "I", "my", and "me" mean each person who has signed or otherwise submitted an application or other forms when opening or requesting a Revolving Credit Account, and each person who is liable to pay Ox Publishing for amounts owed under the Revolving Credit Account.  As used in Parts III and IV of the Agreement, the terms "you", and "your" mean each person who has signed or otherwise submitted an application or other forms when opening or requesting a Revolving Credit Account, as applicable, and each person who is liable to pay Ox Publishing for amounts owed under the Revolving Credit Account and the terms "we", "our", and "us" mean Ox Publishing .

Part I of this Agreement sets forth the general terms and conditions applicable to all Ox Publishing Revolving Credit Accounts.  Part II of this Agreement sets forth the specific terms and conditions applicable to Ox Publishing Revolving Credit Accounts.  Part III of this Agreement provides consumer disclosure statements addressing the Ox Publishing Revolving Credit Accounts Billing Rights Summary.  The Ox Publishing Privacy Policy is disclosed under Part IV.

1.  ACCEPTANCE OF AGREEMENT.  This Agreement governs the use of my Ox Publishing Revolving Credit Account.  I have read and kept this Agreement for my records.  The application I signed or otherwise submitted (including any accompanying federal and state notices) is part of and is incorporated into this Agreement.  My electronic signature on the application I submitted to Ox Publishing requesting a Revolving Credit Account represents my signature on this Agreement and each use of the Account confirms my agreement to the terms and conditions stated in this Agreement, as they may be amended from time to time.  This Agreement begins on the earlier of the date that Ox Publishing approves my application, or the date that Ox Publishing allows me to use my Account.  If Ox Publishing approves my application and issues an Account to me, I agree to pay Ox Publishing all amounts owed under this Agreement.

2.  CHANGE IN TERMS.  Ox Publishing has the right to change any term of this Agreement at any time, including without limitation any Annual Percentage Rate, any other rates and fees, and may add or delete fees and other provisions relating to my Revolving Credit Account, and to the nature, extent and enforcement of the rights and obligations I may have under this Agreement.  If permitted by applicable law, the change may be applied to any amount I owe Ox Publishing in connection with my Revolving Credit Account at the time of the change.  Ox Publishing will give me written notice before the effective date of any such change, if required by applicable law.

3.  PROMISE TO PAY.  I agree to pay in US dollars for all purchases, or fees incurred by me or anyone I authorize or permit to use my Revolving Credit Account, even if I do not notify Ox Publishing that others are using my Revolving Credit Account.  All checks must be drawn on funds on deposit in the United States.  If my Revolving Credit Account is a joint account, all account holders agree to be liable individually for the entire amount owed on the Revolving Credit Account.  Ox Publishing can accept late payments or partial payments or checks and money orders marked "payment in full" without losing its right to receive the full amount owing on my Revolving Credit Account or any of its other rights under this Agreement.  I agree to address all communications concerning disputed debts, including instruments tendered as full satisfaction of debt, to the following address:

Ox Publishing NV Limited 871 Coronado Center #200 Henderson NV 89052

4.  MISREPRESENTATION.  In the event that any information given to Ox Publishing in connection with my application or any future transaction involving my Revolving Credit Account is false or misleading, Ox Publishing reserves the right to terminate this Agreement and take any and all legal action available under applicable law.

5.  CANCELLATION.  Ox Publishing has the right at any time to terminate my Revolving Credit Account and this Agreement as each relates to future purchases or to limit or cancel my Revolving Credit Account privileges, for any reason not prohibited by applicable law and with only such notice as is required by applicable law.  I may terminate this Agreement, by notifying Ox Publishing by calling the customer service department at (877) 410-0247 or in writing.  Termination of this Agreement, or any limitation or cancellation of my Revolving Credit Account, will not affect my liability with respect to previous balances, and I will still be responsible for paying any outstanding balance or other amounts I owe Ox Publishing according to the terms of this Agreement.  Ox Publishing specifically reserves the right to close my current Ox Publishing Revolving Credit Account or to cancel my Ox Publishing Revolving Credit Account based on the delinquency of any of my other Ox Publishing Revolving Credit Accounts.

6.  GOVERNING LAW; ENFORCEABILITY.  I understand that this Agreement is governed by and construed in accordance with the laws of the United States.  To the extent state law applies to this Agreement, this Agreement will be governed by the laws of the state of Nevada.  Any credit extended to me by Ox Publishing is extended in and from Nevada, regardless of where I reside or use my account.  I agree that if a dispute arises and I file suit against Ox Publishing , service of process on Ox Publishing may be made only at Ox Publishing 's Registered Agent in Nevada.  If any part of this Agreement becomes unenforceable, it will not make any other part of this Agreement unenforceable.

7.  RESERVATION OF RIGHTS.  Ox Publishing reserves the right not to assess part or all of any fee or other amounts, or not to exercise any other of its rights pursuant to this Agreement, and, by doing so, Ox Publishing will not have waived its right to assess such fee or other amounts or exercise other rights pursuant to this Agreement in the future.

8.  CREDIT REPORTING; INACCURATE INFORMATION.  I hereby authorize Ox Publishing at its discretion to furnish information concerning my Revolving Credit Account to consumer reporting agencies and others who may properly receive such information.  I may provide written notification to Ox Publishing NV Limited at 871 Coronado Center #200 Hendersonville NV 89052, if I believe Ox Publishing has information about me that is inaccurate, or that Ox Publishing has reported or may report to a consumer reporting agency information about me that is inaccurate.

9.  ASSIGNMENT.  I may not sell, assign, or transfer my Revolving Credit Account without first obtaining Ox Publishing 's prior written consent.  Ox Publishing may assign my open Revolving Credit Account under this Agreement without prior notice to me.

10.  USE OF ACCOUNT.  I understand and agree that I may use my Revolving Credit Account only for personal, family and household purposes, and I may not use my Revolving Credit Account for any illegal purpose.  If my application is for a joint Revolving Credit Account, after approval, each applicant shall have the right to use the Revolving Credit Account to the extent of any credit limits for the Revolving Credit Account, and each applicant may be liable for all amounts owed under this Agreement to any joint applicant.

11.  CHANGE OF RESIDENCE.  If I move, I agree to promptly notify Ox Publishing of my new address.

12.  PRESERVATION OF CLAIMS AND DEFENSES.  NOTICE:  ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF.  RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

13.  TELEPHONE MONITORING AND RECORDING.  Ox Publishing treats all customer calls as confidential per Ox Publishing 's Privacy Policy.  I agree that my telephone conversations with representatives of Ox Publishing may be monitored and/or recorded for quality assurance purposes, unless, at the commencement of each telephone conversation, I advise the Ox Publishing representative that I do not wish the call to be monitored and/or recorded.

14, MINIMUM PURCHASE REQUIREMENT. Ox Publishing has a minimum purchase requirement of a minimum of $180 per six month period. This amount may be changed when notice provided to customer. Some accounts require additional minimum purchase requirements. 

NEW JERSEY RESIDENTS:  Because certain provisions of this Agreement are subject to applicable law, they may be void, unenforceable or inapplicable in some jurisdictions.

None of these provisions are void, unenforceable or inapplicable within New Jersey.

PART II - REVOLVING CREDIT ACCOUNTS
1.  MONTHLY PAYMENTS
.  Each month, I agree to pay at least the Minimum Due shown on my monthly billing statement no later than the payment Due Date shown on the monthly billing statement.  The Minimum Due is the sum of (i) the Current Due, calculated as shown under Part II, paragraph 2 below ("MINIMUM MONTHLY PAYMENTS"), which includes any "Other Charges," and (ii) any Past Due amount.  I may at any time pay more than the Minimum Due, or pay off my entire Revolving Credit Account balance in full without incurring any additional charge.  All payments must be mailed or delivered to Ox Publishing at the address shown on my monthly billing statement.  I must include my payment stub, and not send cash.  If any payment does not conform to these requirements, the payment may not be credited to my Revolving Credit Account for up to five (5) days, or may be rejected.  Any payment received by Ox Publishing after 10:00 a.m. Pacific Standard Time (Nevada) on any business day will be credited to my Revolving Credit Account on the next business day.

2.  MINIMUM MONTHLY PAYMENTS.  The Current Due each month will be based on the following Payment Schedule:

MINIMUM MONTHLY PAYMENT/AUTOMATIC PAYMENT PLAN PAYMENT AMOUNT: I agree to pay at least the minimum payment amount shown on each billing statement.  All payments must be received on or before the due date indicated on the billing statement or a late fee may be assessed.  The Minimum Monthly Payment which must be paid every month (as long as My Account shows an outstanding balance) is calculated by finding the greater of a) 20% of the starting Account balance owed on My Account, or b) 20% of the new account balance if I made a purchase during the period between payments.  This figure is the Minimum Monthly Payment ("Minimum Monthly Payment").  The Minimum Monthly Payment does not automatically decrease as My Account balance decreases.  Should My new balance be less than $20.00, the payment due will be the amount of the new Principal Balance

3.  SPECIAL PAYMENT OPTIONS.  From time to time Ox Publishing may permit me the flexibility to skip one or more payments or take advantage of other options Ox Publishing may make available.  Ox Publishing will provide me details of these special programs at the time they are offered.

4.  FINANCE CHARGES.  There will be no periodic finance charge on my Revolving Credit Account. 

5.  CREDIT LIMIT.  I agree that Ox Publishing will establish a Revolving Credit Line for this account and that this Revolving Credit Line will be the maximum amount upon which I may defer payment, subject to the Minimum Monthly Payment calculation described in Part II, paragraph 2 above ("MINIMUM MONTHLY PAYMENTS").  I agree that any purchases and Other Charges which cause my Current Balance to exceed my Revolving Credit Line shall be due and payable by the payment Due Date specified on the billing statement identifying such charges and that Ox Publishing shall include such amount in the Current Due and Minimum Due for that billing period as described in Part Il paragraph 2 above.  I will be advised of my initial Revolving Credit Line at the time I open my Revolving Credit Account.  I agree that Ox Publishing has the right to suspend or cancel my Revolving Credit Account under the terms of this Agreement.  Ox Publishing will identify any subsequent changes to my Revolving Credit Line on my periodic billing statements.

6.  DEFAULT.  Ox Publishing may, at its option, declare me to be in default if I fail to comply with any provision of this Agreement, including failing to make a required payment when due or exceeding my Revolving Credit Account credit limit, or if I file for bankruptcy or am otherwise insolvent, or if Ox Publishing determines, in its sole discretion, that the prospect of payment on my Revolving Credit Account has become significantly impaired.  If I am in default, (a) Ox Publishing may require that I pay the entire balance on my account immediately, at any time (subject to any restrictions under applicable law), even though Ox Publishing did not require me to pay the entire balance on any previous occasion when I was in default, and (b) I will pay all collection costs, including reasonable attorneys' fees and court costs, if Ox Publishing refers my Revolving Credit Account for collection to an attorney other than a salaried employee of Ox Publishing or the holder of the account, to the extent not prohibited by applicable law.  Balances in default on my Revolving Credit Account may be set-off against any credit balances on any of my other Ox Publishing Revolving Credit Accounts.

PART III - CONSUMER DISCLOSURE STATEMENTS
BILLING RIGHTS NOTICE - KEEP THIS NOTICE FOR FUTURE USE.  This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL.  If you think a bill is wrong, or if you need more information about a transaction on your bill, write to us (on a separate sheet) at 871 Coronado Center #200
Henderson, NV  89052
.  Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared.  You can telephone us, but doing so will not preserve your rights.

In your letter, give us the following information:

·Your name and Account number.

·The dollar amount of the suspected error.

·Describe the error and explain, if you can, why you believe there is an error.

·If you need more information describe the item you are not sure about.

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE.  We must acknowledge your letter within 30 days, unless the error has been corrected by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct.

After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent.  We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit.  You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question.

If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount.  If we did not make a mistake, you may have to pay finance charges (if any), and you will have to make up any missed payments on the questioned amount.  In either case, we will send you a statement of the amount you owe and the date that it is due.

If you fail to pay the amount that we think you owe, we may report you as delinquent.  However, if our explanation does not satisfy you and you write to us within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill.  And, we must tell you the name of anyone we reported you to.  We must tell anyone we report you to that the matter has been settled between us when it finally is settled.

If we do not follow these rules, we cannot collect the first $50 of the questioned amount, even if your bill was correct.

PART IV - Ox Publishing PRIVACY POLICY
Ox Publishing understands that your trust in us is our most important asset.  In order to preserve that trust, we want you to understand our information practices and your rights to ask us not to share certain information about you.  This policy applies with respect to all financial products and services we offer for consumer purposes.

1.  INFORMATION WE COLLECT.  We collect nonpublic personal information about you from the following sources: 

·Information we receive from you, such as information on applications or other forms, which may include your name, address, social security number and income;

·Information about your transactions with us or others, such as your account balance and payment history;

·Information we receive from consumer reporting agencies, such as your credit history and creditworthiness; and

·If you visit or contact us via the internet, we may collect information about you through "cookies" (bits of electronic information that a website can transfer to your computer's hard drive in order to facilitate online transactions).

"Nonpublic personal information" is nonpublic information about you that is personally identifiable and that we obtain in connection with providing a financial product or service to you.

2.  DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION.  We do not disclose any nonpublic personal information about you to anyone, except as permitted by law. 

3.  PROTECTION OF INFORMATION.  We restrict access to nonpublic personal information about you to those individuals who need that information to provided products or services to you. In addition, we maintain physical, electronic, and procedural safeguards that comply with federal requirements to protect the confidentiality and security of nonpublic personal information.

4.  ADDITIONAL INFORMATION.  This policy replaces all previous disclosures we may have provided you about our information practices.  We reserve the right to change this policy, and to apply any changes to information previously collected, as permitted by law.  We will inform you of any changes as required by law.

If you cease to be our customer, our information practices in this policy, as amended from time to time, will continue to apply to the extent that we retain information about you that we collected while you were our customer.  Except as expressly noted, this policy relates only to nonpublic personal information and does not affect our information practices with respect to other information.  The examples contained in this Privacy Policy are illustrations only, and are not intended to be exhaustive.

COPYRIGHT (C) 2010 OX PUBLISHING NV LIMITED ALL RIGHTS RESERVED