FULL DETAIL OF THE AGREEMENT BETWEEN USER AND
Re-Certify.com, Inc. d/b/a 
CREDENCIA

INDIVIDUAL SUBSCRIBER AGREEMENT

1) PERSONALLY IDENTIFIABLE INFORMATION
a) As part of the registration process for some Credencia services, users may be required to provide certain information, including credit card numbers (for billing purposes), social security numbers (for verification of credentials, issuing of completion certificates) and personal demographic and historical educational information (for completion of personal profiles, creation of subscription tracking accounts, etc.). Credencia may disclose to third parties certain aggregate information contained in such subscribers registration application, but Credencia will not disclose name, address, email address or telephone number without subscribers prior express consent, except as required by law or by separate employer/corporate agreements with Credencia, or as required to issue, verify or certify credits or completion of courses and related materials.

b) Personally identifiable information may be released to educational institutions as part of the verification process of statements and credentials submitted by the subscriber as part of their Personal Credentials Profile. Such releases will be limited to the minimum amount of information required to satisfy the task.

2) LINKS TO THIRD PARTY SITES
Credencia may contain links to other Web Sites which are not under its control nor is Credencia responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Credencia is not responsible for web casting or any other form of transmission received from any Linked Site.

3) NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of Credencia, you warrant to Credencia that you will not use Credencia for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use Credencia in any manner which could damage, disable, overburden, or impair Credencia or interfere with any other party's use and enjoyment of Credencia. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through Credencia.

4) CORPORATE MEMBERSHIP/ACCOUNTS
If an Employer subscribes to Credencia and enrolls employees/members in the system, then the Employer shall have access to data contained in the individual member's account for the duration and period of employment with that Employer. If the individual is employed by the same or a different employer that also uses the Credencia system, then that employer shall have access to the individual's account for the duration and period of that individual's employment. The terms of any content purchased by the Employer and made available to an individual shall be governed by any agreements that in affect between the Employer and Credencia. Individuals hereby understand and agree that their employers will have access to content, scores, results and tests within their account.

5) MODIFICATION OF THESE TERMS OF USE
Credencia reserves the right to change the terms, conditions, and notices under which the Credencia system is offered, including but not limited to the charges associated with the use of Credencia. You are responsible for regularly reviewing these terms and conditions.

6) USE OF COMMUNICATION SERVICES
a) Credencia contains bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with selected individuals, organizations, corporations, educational institutions, the public at large or with a group (collectively, "Communication Services"). You agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service.
You agree that when using a Communication Service, you will not:
i) Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights of others.
ii) Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information, virus or infected files or software.
iii) Conduct or forward surveys, contests, pyramid schemes or chain letters.
iv) Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
v) Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
vi) Violate any applicable laws or regulations.

b) Credencia reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

c) Credencia reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Credencia's sole discretion.

7) MATERIALS PROVIDED TO CREDENCIA OR POSTED ON CREDENCIA
a) Any materials provided to Credencia (including feedback and suggestions) or post, upload, input or submit to any Credencia Web Site or its associated services (collectively "Submissions") shall become the property of Credencia. However, by posting, uploading, inputting, providing or submitting your Submission you are granting Credencia, its affiliated companies and necessary sub licensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

b) No compensation will be paid with respect to the use of your Submission, as provided herein. Credencia is under no obligation to post or use any Submission you may provide and may remove any Submission at any time in Credencia's sole discretion. By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

8) SOFTWARE AVAILABLE ON CREDENCIA
a) Software (if any) that is made available to download from Credencia, excluding software that may be made available by end-users through a Communication Service, ("Software") is the copyrighted work of Credencia Corporation and/or its suppliers. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software ("License Agreement"). You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms.

b) For any Software not accompanied by a license agreement, Credencia hereby grants to you, the user, a personal, non-transferable license for a period not exceeding 12 months from the date of purchase, to use the Software for viewing in accordance with these Terms of Use, and for no other purpose provided that you keep intact all copyright and other proprietary notices. All Software is owned by Credencia and/or its suppliers and is protected by copyright laws and international treaty provisions.

c) Any reproduction or redistribution of the Software is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. WITHOUT LIMITING THE FOREGOING, COPYING OR REPRODUCTION OF THE SOFTWARE TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. THE SOFTWARE IS WARRANTED, IF AT ALL, ONLY ACCORDING TO THE TERMS OF THE LICENSE AGREEMENT. You acknowledge that the Software, and any accompanying documentation and/or technical information, is subject to applicable export control laws and regulations of the USA. You agree not to export or re-export the Software, directly or indirectly, to any countries that are subject to USA export restrictions.

9) LIABILITY DISCLAIMER
a) The information, software, products, and services included in or available through Credencia may include inaccuracies or typographical errors. Changes are periodically added to the information herein. Credencia and/or its respective suppliers may make improvements and/or changes in Credencia at any time. Advice received from Credencia should not be relied upon for personal, medical, legal or financial decisions and where appropriate you should consult an appropriate professional for specific advice tailored to your situation. Credencia and/or its respective suppliers/content providers make no representations about the suitability, reliability, availability, timeliness, and accuracy of the information, software, products, services and related graphics contained on the re-certify web sites for any purpose.

b) All such information, software, products, services and related graphics are provided "as is" without warranty of any kind. Credencia and/or its respective suppliers/content providers hereby disclaim all warranties and conditions with regard to this information, software, products, services and related graphics, including all implied warranties and conditions of merchantability, fitness for a particular purpose, title and non-infringement. In no event shall Credencia and/or its suppliers/content providers be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of Credencia, with the delay or inability to use Credencia or related services, the provision of or failure to provide services, or for any information, software, products, services and related graphics obtained through Credencia, or otherwise arising out of the use of Credencia, whether based on contract, tort, negligence, strict liability or otherwise, even if Credencia or any of its suppliers/content providers has been advised of the possibility of damages. Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. If you are dissatisfied with any portion of Credencia, or with any of these terms of use, your sole and exclusive remedy is to discontinue using Credencia.

10) TERMINATION/ACCESS RESTRICTION
Credencia reserves the right, in its sole discretion, to terminate your access to any or all of Credencia and the related services or any portion thereof at any time, without notice.

11) GENERAL
a) This agreement is governed by the laws of the State of Delaware, U.S.A. You hereby consent to the exclusive jurisdiction and venue of courts in Wilmington, Delaware, U.S.A. in all disputes arising out of or relating to the use of Credencia. Use of Credencia is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Credencia as a result of this agreement or use of Credencia. Credencia's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Credencia's right to comply with governmental, court and law enforcement requests or requirements relating to your use of Credencia or information provided to or gathered by Credencia with respect to such use.

b) If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Credencia and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Credencia. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

12) COPYRIGHT AND TRADEMARK NOTICES
All contents of Credencia are: Copyright © 1999-2004 Credencia, Inc. and Re-Certify.com, Inc. and/or its Suppliers/Content Providers, 14520 Snapdragon Circle, North Potomac, Maryland 20878-4319, U.S.A.
All rights reserved.

13) TRADEMARKS
a) The names of actual companies and products mentioned herein may be the trademarks of their respective owners.
b) Any rights not expressly granted herein are reserved.

14) NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT
a) Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to help@Credencia.com