Global Credits Network

Game of the Week Terms of Participation

Last updated December 4, 2019

IMPORTANT NOTICE: These Terms of Participation create a legally binding Agreement between you, Global Credits Network and its parent company Global Credits Network, LLC (collectively the “Company”). By participating in the Game of the Week (“GOTW”) or utilizing any of the services or programs offered by Global Credits Network, LLC you expressly agree to unconditionally abide by these terms along with any additional agreements in place during the period of your participation (e.g. Privacy Policy, Income Disclosure, Members Guidelines, et cetera).

WARNING – Seizures

Due to the nature of how web sites are programmed and displayed, certain elements on the website may cause some users to experience seizures or loss of awareness or other symptoms linked to an epileptic condition, even if they have never experienced anything like this before.

Anyone who has experienced such symptoms, or may be sensitive to such conditions, whether they are aware of such sensitivity or not, should consult a doctor before using the website. Global Credits Network, LLC shall not be liable for any health consequences as a result of your use of the Site(s) or Service(s).

Section 1 Acceptance of terms

Global Credits Network, LLC (collectively, “We”, “Us”, or “GCN”) provide(s) a Global Credits Network website located at www.globalcreditsnetwork.com (the "Site") which along with any text, images, video, audio, underlying code and other material(s) (collectively, the “Content”) necessary to provide the service(s) related to the Global Credits Network activity.

Global Credits Network, LLC is not a gambling site and does not offer, provide, or support direct betting. Participation in any and all services provided by Global Credits Network, LLC including the Game of the Week are for education and entertainment purposes only and your continued use of the Site and any derivative sites, products or services constitutes your full understanding of these terms and your agreement to such. You understand that YOU ARE NOT PLACING A BET OR WAGER by participation in the Game of the Week or any other product(s) or service(s) offered by Global Credits Network LLC.

It is your sole responsibility to understand and comply with any and all statutes, governmental regulations and laws of any country, sovereign territory or jurisdiction in which you utilize the Site, services or products offered by Global Credits Network LLC. Sport Trading BTC LLC assumes no liability for any issues that arise from your participation of the program in a country, sovereign territory or jurisdiction where you are not legally authorized to access the Site or use such services or products offered by Global Credits Network LLC.

Global Credits Network LLC may issue conditions as required by various state rules and regulations, which may impact your participation or experience utilizing the Site, product(s) or service(s) offered by Global Credits Network, LLC. Your continued use of the Site, service(s) or product(s) is your unconditional agreement to be subject to those additional rules whether or not they appear directly in this agreement.

We may also issue additional terms, rules and conditions of participation for particular trades from time to time at our sole discretion, and such additional terms, rules and conditions shall be construed to be immediately incorporated into these Terms of Participation whether or not they appear directly in this agreement.

Section 2

Modification of Terms of Participation

Global Credits Network and Global Credits Network LLC reserves the right, at its sole discretion, to modify or replace the Terms of Participation at any time. The most current version of these Terms will be posted on our Site. It is your sole responsibility to review and becoming familiar with any such modifications and Global Credits Network LLC shall not be liable for any damages as a result of your continued use of the Site, product(s) or service(s) offered by Global Credits Network LLC if you fail to remain compliant with any posted updates.

We reserve the right, in our sole discretion to notify you through the email address associated with your account. Use of the Services by you after any modification to the Terms constitutes your acceptance of the Terms of Participation as modified.

Section 3 Eligibility

The Game of the Week is a program offered by Global Credits Network LLC at the sole discretion of the company and may or may not be offered every week. The Game of the Week is not determined by Global Credits Network LLC and We assume no responsibility or liability for the pick or your participation in such. The game is determined by various sports handicappers and/or sports brokers and offered as a pick from one of the pool of handicappers and/or brokers Global Credits Network LLC utilizes.

Global Credits Network LLC DOES NOT TAKE DIRECT BETS NOR OFFER SUCH A SERVICE. WE ARE NOT A GAMBLING OR SPORTS BETTING SITE. YOUR PARTICIPATION IN THE GAME OF THE WEEK IS NOT A BET OR WAGER. TRADES ARE NOT GURANTEED TO WIN AND PAST WINNINGS ARE NOT INDICITIVE OF FUTURE PERFORMANCE. WINNING PERCENTAGES ARE PUBLISHED ONLY AS A MATTER OF TRANSPARANCY AND FOR RESEARCH PURPOSES. WE DO NOT DETERMINE THE ODDS OR DETERMINE THE PICK IN ANY WAY AND WE CANNOT AND DO NOT GUARANTEE ANY TRADE WILL WIN. YOU MUST ASSUME THAT THE TRADE WILL LOSE. DO NOT PARTICIPATE OR UTILIZE CREDITS THAT YOU ARE NOT WILLING TO LOSE OR THAT WILL CAUSE YOU ANY FINANCIAL HARDSHIP IF THE TRADE LOSES.

Every trade is subject to brokers fees and additional fees that vary from trade to trade. The fees are determined by the handicappers and/or brokers and Global Credits Network LLC has no control over these fees.

You may participate in the Game of the Week (providing you meet ALL the conditions listed in this Section 3) by purchasing credits through an active member in good standing who is authorized to offer such credits for purchase.

You hereby represent and warrant that you are fully able and competent to enter into the terms, conditions, obligations, affirmations, representations and warranties set forth in these terms and to abide by and comply with these terms.

By purchasing credits or participating in a trade, you are representing and warranting that:

• you are of legal age in the country or sovereign territory in which you access, utilize or participate in the provided service(s).

• at the time you utilize your credits for a trade you are physically located in a jurisdiction in which participation in the contest is not prohibited by applicable law;

• you, or any alias you use or have been known to use, does not appear on any government list of prohibited or restricted parties;

• you will abide by these Terms of Participation at all times and any other agreements between you and Global Credits Network LLC regarding your use of the Service or participation in the product(s) or service(s);

If We determine, at our sole discretion, that you do not meet the eligibility requirements of this section, then you are not authorized to use the Site nor any product(s) or service(s) We offer. We will void any trades placed by You, refund any credits purchased, and cancel your account. Global Credits Network LLC makes no representation that participation in any of our product(s) or service(s), including the Game of the Week, is lawful under any specific jurisdiction.

Global Credits Network LLC may require you to provide proof that you are eligible to participate according to this section at any point during your relationship with Us. This includes requesting that you fill out an affidavit of eligibility or other verification information in the form determined by Us from time to time. If Global Credits Network LLC otherwise determines that you do not meet the eligibility requirements of this section, in addition to any rights that Global Credits Network LLC may have in law or equity, Global Credits Network LLC reserves the right to terminate your account, withhold or revoke the awarding of any credits associated with your account or limit your ability to access, use or withdraw such credits. In such a situation, Global Credits Network LLC may pay out any withheld or revoked prizes to the other participants in the relevant Game of the Week in a manner consistent with the prize structure, to be precisely determined by Global Credits Network LLC in its sole discretion. Global Credits Network LLC also reserves the right to withhold revoked credits to use in furtherance of its fraud prevention or anti-money laundering endeavors.

Section 4

Conditions of participation

At the time of registration for online account access, you must provide a valid email address and supply a username and secure password to be used in conjunction with your account. You may not create a username that promotes a commercial venture or infringes on any trademark or service mark, or a username that contains Global Credits Network LLC or any reference to Global Credits Network in the name. The username may also not give a reasonable person the impression that you represent Global Credits Network LLC or Global Credits Network as a master coin, partner, preferred partner or member, any ownership, or direct relationship to the Company. Usernames may not contain anything the Company in its sole discretion deems offensive.

Many portions of the Service require registration for access (the "Restricted Areas"). You are responsible for maintaining the confidentiality of password and are fully responsible for all uses of your username and password, whether by you or others. You agree to (a) never to use the same password for any Global Credits Network LLC Site, program(s) or service(s) that you use or have ever used outside of the Site; (b) keep your username and password strictly confidential and not share them with anyone else; (c) immediately notify Global Credits Network and Global Credits Network LLC of any unauthorized use of your username and password or account or any other breach of security; and (d) use only your own username and password to access the Service’s Restricted Areas. To mitigate the damage by any unauthorized access it is strongly suggested that you closely monitor your account daily, use appropriate antivirus software, use Two-Factor Authentication and do not access your account when you are utilizing public Wi-Fi as these sites are often unsecure. Global Credits Network LLC cannot and will not be liable for any loss or damage arising from your failure to comply with this Section.

You acknowledge and agree that Global Credits Network LLC is authorized to act on instructions received through the use of your username and password, and that Global Credits Network LLC may, but is not obligated to, deny access or block any transaction made through use of your username and password without prior notice if we believe your username and/or password are being used by someone other than you, or for any other reason. Global Credits Network LLC may require you to change your username and/or password and may unilaterally change your username and/or password to protect the integrity of the Site, avoid trademark, service mark or copyright infringement and prevent fraudulent activity.

Global Credits Network LLC also reserves the right to cancel trades, in our sole discretion, without restriction(s). Global Credits Network LLC, in its sole discretion, may disqualify you from any trade or the entire Service, refuse to award winning credits and require the return of any credits, or suspend, limit, or terminate your account if you engage in any conduct Global Credits Network LLC deems, at its sole discretion, to be improper, unfair, fraudulent or otherwise adverse to the operation of the Service or in any way detrimental to other users. Improper conduct includes, but is not limited to: falsifying personal information (including payment information) that required to use the Service or claim winning credits; violating eligible payment method terms, violating any of these rules, accumulating credits through unauthorized methods such as unauthorized scripts or other automated means; tampering with the administration of the Service or trying to in any way tamper with the computer programs associated with the Site, product(s) or service(s); obtaining other participants’ information and spamming other participants ; and abusing the Site, product(s) or service(s) in any way; or otherwise violating these Terms of Participation. You acknowledge that the forfeiture and/or return of any credits shall in no way prevent Global Credits Network LLC from informing the relevant authorities and/or pursuing criminal or civil proceedings in connection with such conduct.

If for any reason the Site is not running as originally planned (e.g., if the Site becomes corrupted or does not allow the proper usage and processing of trades in accordance with the rules, or if infection by a computer virus, bugs, tampering, unauthorized intervention, actions by participants, fraud, technical failures, or any other causes of any kind, in the sole opinion of Global Credits Network LLC corrupts or affects the administration, security, fairness, integrity or proper conduct of the Service), Global Credits Network LLC reserves the right, in its sole discretion, to disqualify any individual implicated in or relating to the cause and/or to cancel, terminate, extend, modify or suspend the Service, and select the winner(s) from all eligible entries received. If such cancellation, termination, modification or suspension occurs, notification may be posted on the Site. Global Credits Network LLC assumes no liability and you agree that you have no legal recourse in the event that We cancel, terminate, modify or suspend your account.

Our failure to comply with any provision of these Terms due to an act of God, hurricane, war, fire, riot, earthquake, terrorism, act of public enemies, actions of governmental authorities outside of the control of Global Credits Network LLC (excepting compliance with applicable codes and regulations) or other force majeure event will not be considered a breach of these Terms.

All winners who have crossed a taxation threshold pursuant to the jurisdiction in which they resided or used any product(s) or service(s) the previous year must provide updated address and tax identification details to Global Credits Network LLC. These details will be used to allow Global Credits Network LLC to comply with tax regulations and may be shared with appropriate tax authorities. You, not Global Credits Network LLC, are responsible for filing and paying applicable taxes on any winnings. Global Credits Network LLC does not provide tax advice, nor should any statements in this agreement or on the Service be construed as tax advice.

Section 5

Game of the Week Rules and How to Participate

The Game of the Week is open to anyone who legitimately owns credits in Our system including both retail customers and subscribed members. The Game of the Week is usually announced twenty-four (24) hours before the event, and the pick is announced a few hours before the event or as soon as Global Credits Network LLC receives it from the handicappers/brokers. The Game of the Week/pick is announced via email and the social media app Telegram. Global Credits Network LLC is not responsible for and assumes no liability for delays in announcing the Game of the Week and may at its sole discretion cancel the Game of the Week at any time up to the start of the event. Any credits used to participate in that specific event under those specific circumstances will be credited back to the appropriate participant’s account within forty-eight (48) hours.

If the Game of the Week is cancelled or postponed for any reason outside the control of Global Credits Network LLC, and the start of the event has not occurred, We will deposit the original credits back into the appropriate participant’s account within forty-eight (48) hours. If the event is cancelled or postponed after the event starts, We shall at that time, make a decision as to how to respond with respect to the credits utilized in that specific event under those specific circumstances. Our decision will be based on factors that include, but are not limited to, how the brokers/handicappers treat such situations. In the event that Global Credits Network LLC does not receive credit from the brokers/handicappers, we reserve the right to decide how to handle any trade placed or credits used, and you agree to abide by Our decision.

Any trade placed after an event has started, regardless of whether any actual activity has taken place, will be considered as an invalid trade and the credits will be returned to the participant’s account without further recourse. For example, provided only for illustrative purposes, and not be included as part of this agreement:

If the Game of the Week is a football event scheduled to start at 8:00 PM Pacific time, any trade placed after 7:59:59 Pacific time will be considered an invalid bet, regardless if the teams have taken the field or any game related activity, including the coin toss, has officially taken place.

If the Game of the Week is a baseball event scheduled to start at 7:05 PM Eastern time, any trade placed after 7:04:59 Eastern time will be considered an invalid bet, regardless if the teams have taken the field or any game related activity, including the ceremonial first pitch, has officially taken place.

Additionally, any trade placed fifteen (15) minutes or less prior to the start of any event whose corresponding credits used to place that trade are not cleared and time stamped in Our system according to the provisions above, the Company reserves the right, at its sole discretion to consider that trade not valid. If you are in question as to whether or not your trade will be considered valid if placed within 15 minutes of the event assume that the trade WILL NOT BE CONSIDER VALID AND BASE YOUR DECISION TO PARTICIPATE ON THAT PREMISE. If you place the trade within 15 minutes prior to the start of the event and We, at our sole discretion, determine the trade not to be valid, we will void the trade and return the credits back to Your account. You understand and agree that all decisions in such circumstances are at the Company’s discretion and are final. You have the right to appeal this decision to Us, but we are not obligated to consider such appeal.

The maximum trade is five hundred (500) credits. As of this version of the agreement 1 credit is equivalent to one ten thousandths (1/10,000) of a Bitcoin. Global Credits Network LLC has no control over the price of Bitcoin nor the corresponding value fluctuations and you testify that you understand price fluctuations will occur and that Global Credits Network LLC assumes no liability for any losses you occur due to such fluctuations.

There is a maximum of one trade per participation per account on any Game of the Week.

Actual winnings are subject to brokers/handicappers’ fees and the odds given on each event irrespective to previous or future events. All fees are determined by the brokers/handicappers and Global Credits Network LLC has no control over such fees. FUNDS DO NOT DOUBLE AND THERE IS GUARANTEE TO THE PERCENTAGE, INCREASE OR AMOUNT THAT EACH TRADE WILL PRODUCE GIVEN A WINNING SCENARIO.

ONCE A TRADE IS PLACED THE TRADE IS LOCKED IN AND THERE ARE NO REFUNDS OR CREDIT GIVEN FOR ANY REASON.

All taxes associated with the receipt or use of any credits are the sole responsibility of the winner. In the event that the awarding of any prizes to winners of a trade is challenged by any legal authority, Global Credits Network LLC reserves the right at its sole discretion to determine whether or not to award or adjust such credits. In all disputes arising out of the determination of the winner of the Game of the Week trades, Global Credits Network LLC is the sole judge and its actions are final and binding.

If the Game of Week produces a winning result, credits are deposited into the participant’s account within 72 hours. There are factors outside of Global Credits Network LLC’s control that may delay the payment, including, but not limited to; delay in payment to Global Credits Network BTC LLC by the brokers/handicappers; delay in verification on the blockchain or any underlying payment platform, loss of Internet service, acts of terrorism, natural disaster or administrative error.

You agree to release and to indemnify, defend and hold harmless Global Credits Network LLC and its parents, subsidiaries, affiliates and agencies, as well as the officers, directors, employees, shareholders and representatives of any of the foregoing entities, from and against any and all losses, liabilities, expenses, damages, costs (including attorneys’ fees and court costs) claims or actions of any kind whatsoever arising or resulting from your use of the Service, your violation of these Terms of Participation, your receipt, ownership, use or misuse of any winnings, and any of your acts or omissions that implicate publicity rights, defamation or invasion of privacy.

Global Credits Network LLC reserves the right, at its own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you and, in such case, you agree to cooperate with Global Credits Network LLC in the defense of such matter.

Section 6

Warranty disclaimers

You expressly understand and agree that your use of the Site and any derivative product(s) or service(s) is at your sole risk and that you can lose some or all of the credits you use to participate. The Service (including the Service and the Content) is provided on an "AS IS" and "as available" basis, without warranties of any kind, either express or implied, including, without limitation, implied warranties of merchantability, fitness for a particular purpose or non-infringement. You acknowledge that Global Credits Network and Global Credits Network LLC have no control over, and no duty to take any action regarding: which users gain access to or use the Service; what effects the Content may have on you; how you may interpret or use the Content; or what actions you may take as a result of having been exposed to the Content. You release Global Credits Network LLC from all liability for you having acquired or not acquired Content through the Service. The Service may contain or direct you to other websites containing information that some people may find offensive or inappropriate. Global Credits Network LLC makes no representations concerning any Content contained in or accessed through the Service, and Global Credits Network LLC will not be responsible or liable for the accuracy, copyright compliance, legality or decency of material contained in or accessed through the Service. Global Credits Network LLC makes no representation that participation in any product(s) or service(s) is lawful under any particular jurisdiction. It is your sole responsibility to make sure Your participate is authorized and legal.

Section 7

Limitation on liability

YOU ACKNOWLEDGE AND AGREE THAT YOU ASSUME FULL RESPONSIBILITY FOR YOUR USE OF THE SITE AND SERVICE. YOU ACKNOWLEDGE AND AGREE THAT ANY INFORMATION YOU SEND OR RECEIVE DURING YOUR USE OF THE SITE AND SERVICE MAY NOT BE SECURE AND MAY BE INTERCEPTED OR LATER ACQUIRED BY UNAUTHORIZED PARTIES. YOU ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE SITE AND SERVICE IS AT YOUR OWN RISK. RECOGNIZING SUCH, YOU UNDERSTAND AND AGREE THAT, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEITHER GLOBAL CREDITS NETWORK OR Global Credits Network LLC NOR ITS SUPPLIERS OR LICENSORS WILL BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, EXEMPLARY OR OTHER DAMAGES OF ANY KIND, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER TANGIBLE OR INTANGIBLE LOSSES OR ANY OTHER DAMAGES BASED ON CONTRACT, TORT, STRICT LIABILITY OR ANY OTHER THEORY (EVEN IF GLOBAL CREDITS NETWORK OR Global Credits Network LLC HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM THE SITE OR SERVICE; THE USE OR THE INABILITY TO USE THE SITE OR SERVICE; UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SITE OR SERVICE; ANY ACTIONS WE TAKE OR FAIL TO TAKE AS A RESULT OF COMMUNICATIONS YOU SEND TO US; ANY INCORRECT, ILLEGIBLE, MISDIRECTED, STOLEN, INVALID OR INACCURATE ENTRY INFORMATION; HUMAN ERRORS; TECHNICAL MALFUNCTIONS; FAILURES, INCLUDING PUBLIC UTILITY OR TELEPHONE OUTAGES; OMISSIONS, INTERRUPTIONS, LATENCY, DELETIONS OR DEFECTS OF ANY DEVICE OR NETWORK, PROVIDERS, OR SOFTWARE (INCLUDING, BUT NOT LIMITED TO, THOSE THAT DO NOT PERMIT AN PARTICIPANT TO PARTICIPATE IN THE SERVICE); ANY INJURY OR DAMAGE

TO COMPUTER EQUIPMENT; INABILITY TO FULLY ACCESS THE SITE OR SERVICE OR ANY OTHER WEBSITE; THEFT, TAMPERING, DESTRUCTION, OR UNAUTHORIZED ACCESS TO, OR ALTERATION OF, ENTRIES, IMAGES OR OTHER CONTENT OF ANY KIND; DATA THAT IS PROCESSED LATE OR INCORRECTLY OR IS INCOMPLETE OR LOST; TYPOGRAPHICAL, PRINTING OR OTHER ERRORS, OR ANY COMBINATION THEREOF; OR ANY OTHER MATTER RELATING TO THE SITE OR SERVICE. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, Global Credits Network LLC'S LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO Global Credits Network LLC FOR GENERAL USE OF THE SITE OR SERVICE DURING THE TERM OF YOUR REGISTRATION FOR THE SITE, INCLUDING ANY CREDITS USED FOR TRADES COMPLETED PRIOR TO THE CIRCUMSTANCES GIVING RISE TO THE CLAIM.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you.

Section 8

Our proprietary rights

All title, ownership and intellectual property rights in and to the Service are owned by Global Credits Network LLC or its licensors. You acknowledge and agree that the Service contains proprietary and confidential information that is protected by applicable intellectual property and other laws. Except as expressly authorized by Global Credits Network LLC, you agree not to copy, modify, rent, lease, loan, sell, distribute, perform, display or create derivative works based on the Service, in whole or in part.

Section 9 Links

The Service provides, or third parties may provide, links to other sites (both internal and external), applications or resources. Global Credits Network LLC has no control over such sites, applications and resources, and you acknowledge and agree that Global Credits Network LLC is not responsible for the availability of such external sites, applications or resources, and does not endorse and is not responsible or liable for any content, advertising, products or other materials on or available from/through such sites or resources. You further acknowledge and agree that Global Credits Network LLC shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

Section 10

Termination and suspension

Global Credits Network LLC may terminate or suspend all or part of the Service and your Global Credits Network account immediately, without prior notice or liability, if you breach any of the terms or conditions of the Terms. Upon termination of your account, your right to use the Service will immediately cease. If you wish to terminate your Global Credits Network account, you may contact us via any vehicle provided to you by Global Credits Network or Global Credits Network LLC, indicating you wish to terminate your account.

If your account is subject to a suspension, you must respect the restrictions and limitations imposed on your account as part of the suspension, and you should communicate with Global Credits Network BTC LLC directly regarding the possibility of restoring of your account only via [email protected]

Section 11

No third-party beneficiaries

You agree that, except as otherwise expressly provided in these Terms, there shall be no third-party beneficiaries to the Terms.

Section 12

Notice and procedure for making claims of copyright infringement

Global Credits Network LLC may, in appropriate circumstances and at its discretion, disable and/or terminate the accounts of users who infringe the intellectual property of others. If you believe that your copyright or the copyright of a person on whose behalf you are authorized to act has been infringed, please provide Global Credits Network LLC a written notice containing the following information:

• an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;

• a description of the copyrighted work or other intellectual property that you claim has been infringed;

• a description of where the material that you claim is infringing is located on the Service;

• your address, telephone number, and email address;

• a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;

• a statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner's behalf.

Section 13

General Terms and Conditions

These Terms (and any additional terms, rules and conditions of participation in particular product(s) or service(s) that Global Credits Network LLC may offer) constitute a binding agreement between you and Global Credits Network LLC with respect to the Service and may or may not supersede any prior agreements, oral or written, between you and Global Credits Network LLC. In the event of a conflict between these Terms and the additional terms, rules and conditions of participation in particular Sites, product(s) or service(s), the more restrictive interpretation will prevail over the Terms to the extent of the conflict and shall be to the benefit of Global Credits Network LLC.

The failure of Global Credits Network LLC to exercise or enforce any right or provision of the Terms shall not constitute a waiver of such right or provision, and we reserve the right to delay enforcement or action at Our discretion. If any provision of the Terms is found by an arbitrator or court of competent jurisdiction to be invalid, the parties nevertheless agree that the arbitrator or

court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms remain in full force and effect and to the benefit of Global Credits Network LLC.

You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to the use of the Service or the Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred.

The section titles in the Terms are for convenience only and have no legal or contractual effect.