Terms of Use

PLEASE READ THIS AGREEMENT CAREFULLY BEFORE ACCESSING THE SERVICE. BY ACCESSING THE SERVICE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS AND CONDITIONS, YOU MAY NOT ACCESS OR USE THE SERVICES ("Services") PROVIDED BY Nevikor, Inc.. ("Nevikor").

Although the term “Subscriber” refers to both institutions and individuals, subscription fees and all fees related conditions listed bellow apply to institutions only. The services provided by Nevikor related to CME activities, Email preferences and maintenance of personal profile are free for individual users. These services will be available for individual users regardless of whether they belong to a subscribing institution or not.

Nevikor RESERVES THE RIGHT TO DISCONTINUE SERVICES IN THE EVENT SUBSCRIBER DOES NOT WISH TO COMPLY WITH THE TERMS AND CONDITIONS CONTAINED HEREIN.

USE SERVICES
Upon acceptance of this Agreement, Nevikor hereby grants to Subscriber a personal, nonexclusive, nontransferable, revocable license to access and use the Services (as defined below), for Subscriber's use.

Nevikor ™s PROPRIETARY RIGHTS
As between the parties, Nevikor shall retain all right, title and interest to the Services including all copyrights, trademarks, patents and all other associated intellectual property rights thereto, including without limitation with respect to all technology and domain name(s) used in connection with or provided as part of the Services.

SUBSCRIBER REGISTRATION
Subscriber agrees to provide true, accurate, current and complete data to Nevikor upon signing up for the Services and at subsequent times as requested by Nevikor. Subscriber is solely responsible for the maintaining the confidentiality of Subscriber's e-mail address and password, and will be responsible for all transactions and activities that occur as a result of Subscriber's disclosure of such password and/or e-mail address, whether or not such transactions and/or activities were authorized by Subscriber.

TERMINATION
Nevikor RESERVES RIGHTS TO RESTRICT OR CANCEL SERVICE FOR THIS AGREEMENT: To maintain or improve the Services, to prevent fraudulent transactions, or for any other reason determined by Nevikor, Nevikor, at its sole discretion, may restrict, suspend, terminate or modify Subscriber's service with or without notice. Without limiting the generality of the foregoing, Nevikor may restrict, suspend or terminate Subscriber's Services with or without notification for reasons including, but not limited to:
Failure to pay for active service, Goes over the allowed amount of credit, Makes a false statement or claims to Nevikor, Interferes with or disrupts Nevikor customer service or other business operations, Declaration of bankruptcy, Illegal use of the service (spamming activities etc), Performs breach of any part of this agreement, User’s credit information cannot be validated, Nevikor believes or suspects that Subscriber's account is being misused or used by anyone for unlawful activity or is being used fraudulently, Nevikor believes or suspects that the use of Subscriber's account directly or indirectly affects or can potentially affect service to other customers, Nevikor believes or suspects that the use of Subscriber's account indirectly or directly affects or can potentially affect Nevikor 's operations.

Upon any termination in accordance with the foregoing, Nevikor may immediately deactivate or erase Subscriber's account and other associated data and files in Subscriber's account, hold any telephone numbers associated with the account, and/or bar any further access to such files, information, or the Services. Nevikor shall not be liable to Subscriber or any third party for any reason for terminating this Agreement or access to Services or for modifying this Agreement and/or the Services.

WARRANTY DISCLAIMER
THE FOREGOING WARRANTIES SET FORTH ARE EXCLUSIVE AND NO OTHER WARRANTY IS EXPRESSED OR IMPLIED. Nevikor exercises no control whatsoever over the content of the information passing through Nevikor's system or entered/provided by Subscriber. Use of any information obtained via Nevikor is at User's risk. Neither Nevikor nor any of its affiliates, its licensers, its contractors or their respective employees warrant that the Service will be uninterrupted or error free; nor does Nevikor make any warranty as to Nevikor use of the Service. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE, NONINFRINGEMENT, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. NO ADVICE OR INFORMATION GIVEN BY Nevikor, ITS AFFILIATES, ITS LICENSERS, ITS CONTRACTORS OR THEIR RESPECTIVE EMPLOYEES SHALL CREATE A WARRANTY. NEITHER Nevikor NOR ITS AFFILIATES, ITS LICENSERS, ITS CONTRACTORS OR THEIR RESPECTIVE EMPLOYEES WARRANTS THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR FREE OR THAT ANY INFORMATION, SOFTWARE OR OTHER MATERIAL ACCESSIBLE ON THE SERVICE IS FREE OF VIRUSES, CANCELBOTS, WORMS, TROJAN HORSES OR OTHER HARMFUL COMPONENTS.

LIMITATION OF LIABILITY
UNDER NO CIRCUMSTANCES SHALL Nevikor, ITS AFFILIATES, ITS LICENSERS, ITS CONTRACTORS OR THEIR RESPECTIVE EMPLOYEES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE OR CONSEQUENTIAL DAMAGES THAT RESULT IN ANY WAY FROM USER'S USE OF OR INABILITY TO USE THE SERVICE OR TO ACCESS THE INTERNET OR ANY PART THEREOF, OR USER'S RELIANCE ON OR USE OF INFORMATION, SERVICES OR MERCHANDISE PROVIDED ON OR THROUGH THE SERVICE, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES, ERRORS, DEFECTS, DELAYS IN OPERATION OR TRANSMISSION, ANY FAILURE OF PERFORMANCE, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO ALTERATION OF OR USE OF USER'S ACCOUNT, WHETHER FOR BREACH OF CONTRACT, NEGLIGENCE OR UNDER ANY OTHER CAUSE OF ACTION. IN THE EVENT Nevikor IS FOUND LIABLE UNDER ANY CIRCUMSTANCE UNDER THE TERMS OF THIS AGREEMENT, Nevikor LIABILITY SHALL BE LIMITED TO THE UNUSED BALANCE OF USER'S SUBSCRIPTION PAYMENT PRO-RATED TO REFLECT THE CURRENT TERM. If User is dissatisfied with the Service or with any terms, conditions, rules, policies, guidelines or practices of Nevikor in operating the Service, User's sole and exclusive remedy is to discontinue using the Service.

INDEMNIFICATION
Notwithstanding anything to the contrary herein contained, User agrees to indemnify and hold Nevikor, its affiliates, its licensers, its contractors or their respective employees harmless against any and all liability, loss, claim, judgment, damage and expense including without limitation attorney's fees and cost of litigation) incurred or suffered by Nevikor, its licensers, its affiliates, its contractors, or their respective employees as the result of any and all use of User's account whether authorized or not authorized or as a result of the negligence, willful misconduct, or breach of any of the terms of this Agreement by User, including but not limited to claims, liabilities, losses, damage, judgment and expense which arise out of alleged injury or death of any person or damage to property of every kind and description. User shall promptly notify Nevikor in writing of any claim of which it is obligated under this indemnity. User shall have the right to assume the defense of any such claim. User and Nevikor shall confer as to and agree on the legal counsel(s) to be selected in any such defense. SOME JURISDICTIONS DO NOT PERMIT THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO CERTAIN OF THE FOREGOING DISCLAIMERS MAY NOT APPLY TO SUBSCRIBER.

INTERNATIONAL USE
International accessing Nevikor service from other locations where the service is illegal is prohibited. Subscriber agrees to comply with all applicable foreign and domestic laws, rules and regulations regarding the transmission of technical data exported from or imported to the United States or the country in which Subscriber resides.

MODIFICATION TO SERVICES
During the term of this Agreement, Nevikor may modify or discontinue the Services at any time and with or without notifying the Subscriber. Without limiting the generality of this agreement, Nevikor may, from time to time, with or without notification and at its sole discretion, establish or change various practices, limitations and restrictions for administering such Services, including without limitation: (a) how often all or a part of the Services or account may be accessed; (b) the duration of any access; (c) the maximum number of days that data will be retained; e) the maximum storage space available for an account; and (f) any other matter related to the administration of the Services. Subscriber agrees that Nevikor shall not be responsible or liable in any way for deactivation or deletion of accounts or for loss of data or information as a result of, or arising out of, administration of the Services, whether or not Subscriber is given prior notice thereof. Nevikor may delete accounts that are inactive for an extended period of time. Nevikor shall not be liable to the Subscriber or any third party for any reason for Nevikor changing or canceling the Services, in whole or in part. Subscriber is responsible for creating a back-up copy of any important or critical information that is stored on the Services. Nevikor shall not be responsible or liable in any way for any information or data loss in connection with the Services. Nevikor reserves the right to change the terms and conditions of this Agreement, by posting a revised version of the Agreement at Terms of Service or its successor site. Use of the Services signifies Subscriber's agreement to all terms, conditions and notices contained or referenced herein. Continued use of any part of the Services following the posting of any changes to this Agreement constitutes acceptance of those changes, and all changes shall thereupon become binding upon the Subscriber. It is the Subscriber’s responsibility to regularly check on the Nevikor website to check on any modification to this agreement. If Subscriber does not agree to the changes, Subscriber shall immediately cease all use of the Services.

RULES AND REGULATIONS
Subscriber shall be solely liable for any transmissions sent through the Service. Nevikor has no control over the content of any transmission nor will it be liable for such content. Subscriber shall not use the Services to create or distribute any images, sounds, messages or other materials, which are obscene, harassing, racist, malicious, fraudulent infringing or libelous, nor use the Services for any activity that may be considered or are unethical, immoral, violative of any third party's rights, or illegal. Further, Subscriber will abide by all rules, regulations, procedures and policies of Nevikor and any policies of the networks connected to the Services. Subscriber agrees to abide by all applicable local, state, national, foreign and international laws and regulations and is solely responsible for all acts or omissions that occur under Subscriber's account or password, including the content of Subscriber's transmissions through the Service. By way of example, and not as a limitation, Subscriber agrees not to:

Violate any U.S. or foreign law regarding the transmission of technical data or software exported through the Service; Interfere with or disrupt networks connected to the Service or violate the regulations, policies or procedures of such networks; Attempt to gain unauthorized access to the Service, other accounts, computer systems or networks connected to the Service, through password mining or any other means; Interfere with another member's use and enjoyment of the Service or another entity's use and enjoyment of similar services. Nevikor is under no obligation to monitor and track the information or content available or transmitted through the Services. Subscriber agrees that Nevikor shall have the right, but not the obligation, at its sole discretion, to refuse or remove any content, in whole or in part, that violates this Agreement or is otherwise objectionable. Subscriber acknowledges and agrees that Nevikor may preserve content and may also disclose content if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to:

Comply with legal process, Enforce this Agreement, Respond to claims that any Content violates the rights of third-parties, Protect the right, property, or personal safety of Nevikor, its users and the public. Subscriber may provide information, including but not limited to feedback, data, answers, questions, comments, suggestions, plans and ideas to Nevikor. Such information shall be deemed nonconfidential and Nevikor assumes no obligation to protect such information from disclosure. The submission of such information to Nevikor shall in no way prevent the purchase, manufacture, or use of similar products, services, plans and ideas by Nevikor for any purpose whatever. Nevikor shall be free to reproduce, use, disclose and distribute such information to others without restriction. Subscribers shall have no recourse against Nevikor for alleged infringement or misappropriation in connection with any information or materials submitted to Nevikor hereunder.

LINKS TO OTHER SITES
NEVIKOR.COM contains links to third party web sites. These links are provided solely as a convenience to You and not as an endorsement by Nevikor of the contents on such third-party Web sites. Nevikor is not responsible for the content of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party Web sites. Reference herein or on the website to any products, services, processes, hypertext links to third parties or other information by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply its endorsement, sponsorship or recommendation by Nevikor. Subscriber/visitor to Nevikor.com accessing linked third-party Web sites at their own risk.

ELECTRONIC DELIVERY POLICY AND YOUR CONSENT
Subscriber consents to receive from Nevikor all communications, including notices, agreements, legally required disclosures or other information (collectively, "Notices") electronically. Nevikor shall provide such electronic Notices by posting them on this website. If you desire to withdraw your consent to receive Notices electronically, you must discontinue your use of the services and Notices.

ELECTRONIC TRANSACTIONS
Subscriber agrees that by entering into transactions with Nevikor, Subscriber confirms consent to receive all information, copies of agreements and correspondence ("Documents") from Nevikor in an electronic format, and to also send information to Nevikor in an electronic format, either through Subscriber's account or via email, at Nevikor's discretion. Subscriber agrees to treat any such electronic Documents received from Nevikor or sent to Nevikor as being legally equivalent to any "written" information Subscriber would receive or send in print or by postal mail. Subscriber's transactions with Nevikor indicates that Subscriber agrees to treat all electronic Documents received from or sent to Nevikor as having full legal enforceability and legal effect. In any situation where Subscriber's signature may be required to process a transaction, compliance with a commercially reasonable attribution procedure agreed to or adopted by the parties or established by law for authenticating a record shall authenticate the record. Without limiting the foregoing, the parties agree that if Subscriber enters the email of Subscriber's account, and enters the password associated with the account , such process shall constitute a legally-binding signature by Subscriber. Subscriber acknowledges and agrees that Nevikor will not be responsible for Subscriber's failure to receive any electronic Documents, and in the event Subscriber is expecting to receive some electronic Documents that in fact Subscriber does not receive, Subscriber will notify Nevikor immediately. Subscriber further acknowledges and agrees that Subscriber's responsibilities or the methods by which Nevikor sends Subscriber electronic Documents may be altered from time to time, at Nevikor’s discretion and Nevikor will give Subscriber advance notice of such changes.

BILLING POLICY
Subscriber agrees that all payments will be made to NEVIKOR (Nevikor) via credit or debit card, issued by a US bank, including MasterCard®, AMEX®, VISA®, or Discover®, by bank transfer, bank check, or use of third party services such as but not limited to PayPal®. Nevikor may charge the credit cards accepted at any time, at its sole discretion. Subscriber's name and address as it appears on Subscriber's Nevikor account must also be on the credit account from which Payment is made. If Subscriber provides a credit card number that Nevikor accepts for payment of Subscriber's monthly bills, Subscriber is authorizing Nevikor to charge the amounts Subscriber owes, then or later, to that credit card account and to demand immediate payment from the card issuer. Subscriber also agrees to pay, under the terms of Subscriber's agreement with the card's issuer, the amounts charged to Subscriber's credit card. Every time Subscriber uses Nevikor Services, Subscriber re-affirms that Nevikor is authorized to charge Subscriber's card. Subscriber agrees to authorize Nevikor to charge purchases made online to the credit card account supplied to Nevikor. Payment is due in advance. In the event a customer's account is past due or a recurring credit card charge is not accepted or a check declined by Customer's bank, Nevikor will notify Customer of billing problem by email. Nevikor will not be responsible for receipt of email by Customer. It is Customer's sole responsibility to keep abreast of timely payment for Nevikor's services. Failure of Customer to rectify billing problems nor enable Nevikor to collect balances due or outstanding charges within specified periods after email is sent by Nevikor notifying Customer of problem, or inability of Nevikor to collect balances due may result in suspension or cancellation of Customer's services until rectified, and/or revocation of Customer's Service Agreement.

DETAILS: 30th day of non-payment after due date – suspension, 60th day of non-payment after due date - closed until paid, 90th day of non-payment after due date - closed (account has to be reactivated with $100 reactivation fee). Customer's credit cards would be charged on their anniversary dates. This is the date they signed up for the service. Invoices and/or bills will be released through email 15 days before the due date.
Example: If you signed up on the 15th of August, your billing date would be every 1th of August and so on.

CREDIT CARD USERS
Credit card customers will receive an email notice stating the amount charged to his/her credit card. If the credit card cannot be processed due to credit declined, call issuer, invalid card, etc. Nevikor will not be responsible for any telephone company charges (voice or data) resulting from use of Nevikor 's system or network accessing users account. Customer is responsible of making sure that the access number they are using is a local access number for them. Charges not disputed within 60 days are considered valid and legitimate. We only accept checks/money order/PayPal® payments for advance payments modes. For other payment modes, please contact us.

CANCELLATION
Customers can cancel their accounts by notifying Nevikor either through electronic communications or registered mail. Such notice will only be honored upon receipt. Customer should verify receipt of cancellation notice with Nevikor by contacting Nevikor support and receiving acknowledgement of cancellation notice.

DISPUTE PROCEDURE
All refunds must be approved and processed by the accounting department after intensive investigation. Refunds will be processed within fourteen (14) days of receipt of your request if there is no dispute. Nevikor requires fourteen (14) days to investigate billing and payment disputes. During such time Nevikor will not take any action against customer if it appears that a good faith dispute exists. If a dispute involves a bank or credit card payment and a refund is due the refund will be credited directly to the issuing bank or credit card source.

OVERDRAFT CHARGES
Nevikor subscribers are notified by electronic mail and informed during sign up about the recurring charges set on the subscriber’s account. It is the Subscriber’s responsibility to monitor account charges and Nevikor holds no responsibility in compensating for overdraft charges incurred in a Subscriber’s account due to a recurring charge.

DUE DATE AND LATE PAYMENT
If an existing customer's account is not fully paid within thirty days after their anniversary date in which fees are due, Nevikor may suspend Customer's account. Payment due will be forwarded to the collections agency. If client wishes to re-establish service again he/she must re-apply as a new user.

REFUNDS
Nevikor does offer pro-rated refunds past the 30 day money back guarantee. This is if and when after thorough investigation by the company's Accounting department, it is proven that the refund request is a valid one. For every valid refund request: Nevikor has the right to charge the customer $5 for administrative fee, bank charges, and processing fee incurred by the company from the cancellation. Refund requests due to services not used will not be approved. Customers are advised to call for technical assistance if they are having technical problems. No refunds will be given to technical issues that can be remedied especially if the issue is on the subscriber’s end.

PAYMENT MODE
In cases which customer wishes to request a special billing of payment mode, he/she needs to send an email confirmation to billing@Nevikor.com as authorization of the request. Changes and modifications in this billing policy are updated in the website. It is the customer's obligation to visit the website, www.nevikor.com for more billing updates. For any reason that the customer failed to update payment, Nevikor reserves the right to charge the existing credit card and checking account on file for all the services used. Nevikor reserves the right to change prices at any time without prior notice to its customers or the public. Price changes will not be retroactive for existing customers, regardless of the length of their existing service subscription.

NO CONFIDENTIALITY: Information transmitted through Nevikor and through the Internet in general is not confidential. Nevikor cannot and shall not guarantee privacy or protection of any User. Nevikor reserves the right to monitor any User's transmissions when deemed necessary for providing proper service and/or to protect the rights and property of Nevikor.

NON-TRANSFERABLE:The right to use the Service is not transferable. Accounts are for User's use only. User shall be responsible for the confidentiality of User accounts. Violation of those terms shall constitute theft of Service and may be prosecuted under civil and criminal law.

PURCHASES ON THE SERVICE
If User wishes to make purchases on the Service, User may be asked by the merchant or information or service provider from whom User is making the purchase to supply certain information, including credit card or other payment mechanism information. User agrees that all information User may provide any merchant or information or service provider on the Service for purposes of making purchases shall be accurate, complete and current. The merchants and information and service providers offering merchandise, information and services on the Service set their own prices and may change prices or institute new prices at any time. User agrees to pay all charges incurred by users of User's account and credit card or other payment mechanism at the prices in effect when such charges are incurred. User shall also be responsible for paying any applicable taxes relating to purchases on the Service.

NO SYSTEM BACKUP
Nevikor does not and will not perform system backups on any User's account(s). Nevikor shall not be held responsible for any lost data, regardless of the reasoning for data loss or system causes. Except as otherwise set forth herein, Nevikor will not provide historical data, to any party for any reason, regarding any system or Internet activity. Nevikor does not and will not perform system backups on any User's personal web site account(s). Nevikor shall not be held responsible for any lost web data, any web site contents, regardless of the reasoning for data loss or system causes.

FAILURE TO COMPLY WITH TERMS AND CONDITIONS
Nevikor may deny User access to all or part of the Service without notice if User engages in any conduct or activities that Nevikor in its sole discretion believes violates any of the terms and conditions in this Agreement. If Nevikor denies User access to the Service because of such a violation, User shall have no right (1) to access through Nevikor any materials stored on the Internet, (2) to obtain any credit(s) otherwise due to User, and such credit(s) shall be forfeited, (3) to access third party services, merchandise or information on the Internet through Nevikor, and Nevikor shall have no responsibility to notify any third-party providers of services, merchandise or information nor any responsibility for any consequences resulting from lack of notification.

Miscellaneous User authorizes Nevikor to enforce these restrictions by appropriate software and network measures, automated and manual.

These Terms of Use shall be governed by and construed in accordance with the laws of the State of New York, excluding its conflicts of law rules. You expressly agree that the exclusive jurisdiction for any claim or action arising out of or relating to these Terms of Use or your use of this website and all related materials shall be filed only in the state or federal courts located in New York, and you further agree and submit to the exercise of personal jurisdiction of such courts for the purpose of litigating any such claim or action.

Any cause of action User may have with respect to the Service must be commenced within one (1) year after the claim or cause of action arises or such claim or cause of action is barred. Nevikor shall not be liable or deemed to be in default for any delay or failure in performance under this Agreement or interruption of service resulting directly or indirectly from acts of God, civil or military authority, acts of public enemy, war, riots, civil disturbances, insurrections, accidents, dire, explosions, earthquakes, floods, the elements, strikes, labor disputes, shortages of suitable parts, materials, labor or transportation or any cause beyond the reasonable control of Nevikor. In any action between Nevikor and User to enforce any of the terms of this Agreement, Nevikor shall be entitled to recover expenses, including reasonable attorney's fees. This Agreement constitutes the entire agreement between User and Nevikor with respect to the Service.