1.1. ACCEPTANCE OF TERMS. BY ACCESSING OR USING THE SERVICES IN ANY WAY, (a) YOU REPRESENT THAT YOU HAVE READ AND UNDERSTOOD THESE TERMS, AND (b) YOU AGREE TO BE BOUND BY THESE TERMS. If you do not agree with these Terms, then please do not use the Services. You should print or otherwise save a copy of these Terms for your records.

1.2. ELIGIBILITY. To access, use, and/or register for the Services you must (a) be eighteen (18) years of age or older, or be thirteen (13) years of age or older and have your parent or guardian's consent to these Terms, and (b) have the power to enter a binding contract with us and are not barred from doing so under any applicable laws. You also warrant that any registration information that you submit to us is accurate, true, and complete, and that you will keep it that way at all times.

1.3. CHANGES TO THE TERMS. We may change these Terms at any time. If we make any changes, we will change the Effective Date above, and where appropriate, may notify you via e-mail or announcement on the Site. You understand and agree that by using the Services after the Terms are changed, that your continued use of the Services constitutes your acceptance of the Terms as revised. We encourage you to periodically review our current terms of use.

2.1. ACCOUNT REGISTRATION. You must register and create an account with us in order to use most of the Services. When you register to use the Services, you will be required to provide certain information (e.g. (a) username, (b) email address, (c) a password for your account, or (d) your Facebook, Twitter, Instagram, or Google Plus public profile).

2.2. YOUR USERNAME AND PASSWORD. Your unique username that you choose will be your username or "Login ID". You agree to (a) maintain the confidentiality and security of your username and password, and (b) remain responsible for all uses of your username and password, and all activity emanating from your account, whether or not such activity was authorized by you. If your username or password is lost or stolen, or if you believe that your account has been accessed by unauthorized third parties, you are advised to notify us promptly in writing, and should change your password at the earliest possible opportunity. Phicno shall not be liable in any way for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be liable to us for losses incurred by us or another party due to someone else using your account. You may not use anyone else's account at any time, without the prior written permission of the account holder.

2.3. TYPES OF ACCOUNTS. We currently offer one (1) type of account: a free account for both authors and fans.

3.1. THE SERVICES. Phicno enables authors to upload their content (e.g., comics, graphic novels, etc.,) for Phicno users to read online. Authors choose whether to make their content free or whether a fee is required to view the entire content. The cover and first two (2) spreads of all content are free. Phicno also enables authors to communicate directly with their fans and vise versa. In addition to retaining a percentage of the fee for paid content, we may also generate revenue from advertisements on the Site and inside both paid and unpaid content. The Services are currently available only while connected to the Internet.

3.2. CHANGING THE SERVICES. We may modify, suspend, or stop the Services, in whole or part, either temporarily or permanently, at any time, with or without prior notice to you. You agree that we shall not be liable to you or any third party for any modification or cessation of the Services. You acknowledge that we have no express or implied obligation to provide, or continue to provide, the Services, or any part thereof, now or in the future. Any new services and features will be subject to these Terms, as well as any additional terms of use that we may release for those specific services or features.

3.3. INITIAL LAUNCH NOTICE. You understand and acknowledge that the Services are being provided and are made available on an “AS IS” basis. The Services may contain errors or inaccuracies that could cause failures, corruption, or loss of your information. We strongly encourage you to back‐up all data and information on your devices prior to using the Services in any way. YOU ASSUME ALL RISKS AND COSTS ASSOCIATED WITH YOUR USE OF THE SERVICES. Additionally, we are not obligated to provide any maintenance, technical, or other support for the Services.

3.4. FEEDBACK. As part of using the Services, we may provide you with the opportunity to submit comments, suggestions, or other feedback regarding your use of the Services. You agree that in the absence of a separate written agreement to the contrary, we will be free to use any feedback you provide for any purpose without any compensation to you.

4.1. FEES FOR PAID CONTENT. All fees for access to paid content shall be clearly set forth on the Site prior to you purchasing content. Authors’ share of purchased content shall be clearly set forth on the Site.

4.2. CHANGES TO FEES. We reserve the right, in our sole discretion, to modify the fees for paid content and/or institute additional charges for use of the Services. In such a case, we will notify you of the fees involved and you will not be charged without your consent.

4.3. PAYPAL PAYMENT. If you elect to charge for your content or pay for access to content, then you agree to either be paid or pay the displayed rate via PayPal. All sums which Phicno owes to you for purchase made during a calendar month will be paid to you within five (5) days of the start of the next calendar month via PayPal to the email you supplied for PayPal. You agree and acknowledge that you are responsible for all transaction and other costs in connection with you receiving payments via PayPal. In the event that you have supplied Phicno with an invalid PayPal email address, you will need to contact us to request your share of purchased content; in the interim, Phicno will hold sums owed to you and you shall not be entitled to any interest that Phicno earns during such period.. Without limiting the foregoing, in the future, Phicno may introduce other forms of payment besides PayPal to allow you to select your preferred method of payment. At such time (if at all), to utilize any such other payment methods, you will agree to any applicable terms and conditions Phicno may reasonable require in connection with paying you or you paying Phicno via another payment method, including but not limited to, (a) you agreeing that you shall be responsible for all transaction and other costs in connection with you receiving payments via the other payment method, and (b) you shall not be entitled to any interest that Phicno earns during such period that Phicno holds sums owed to you because of insufficient payment method information provided by you.

4.4. TAXES. You are responsible for all taxes or other government fees and charges, if any, which are assessed based on the Services.

5.1. OUR PROPRIETARY RIGHTS. You agree and acknowledge that Phicno and/or our licensors own all legal right, title, and interest in and to the Services, and any related software, including any content we provide to you as a part of and/or in connection with the Services, including all intellectual property rights that exist therein, whether registered or not, and wherever in the world they may exist (collectively, the "Software"). You further agree and acknowledge that the Software contains proprietary and confidential information that is protected by applicable intellectual property and other laws. Using the Software does not give you any rights of ownership in them.

5.2. LICENSE TO USE THE SERVICES. Subject to your strict compliance with these Terms, we grant you a limited, personal, non­exclusive, revocable, and non­transferable license to use the Software as we provide to you as part of the Services.

5.3. LIMITATIONS ON USE.

5.3.1. You agree to use the Services only for purposes as permitted by these Terms and any applicable laws or regulations. We reserve the right to modify or impose any limitations on the use of the Services at any time, with or without notice to you. All rights that are not expressly granted by us in these Terms are reserved.

5.3.2. You agree to not, or to permit anyone else to, reproduce, copy, duplicate, modify, create a derivative work of, reverse engineer, decompile, or otherwise attempt to discover the source code (unless expressly permitted or required by law), sell, resell, rent, trade, lease, sublicense, assign, grant a security interest in, or otherwise transfer any right in the Software, except as expressly permitted in these Terms.

6.1. USER-GENERATED CONTENT.

6.1.1. "User Content" shall mean any information that you or other users post, upload, contribute, store, transmit, submit, exchange, or make available to or via the Services, including but not limited to, graphic novels, comics, written text, graphics, photographs, images, and any other similar materials.

6.1.2. You agree and acknowledge that (a) all User Content whether publicly posted or privately transmitted through the Services is the sole responsibility of the person from whom such User Content originated, and (b) you are solely responsible for any User Content you upload, download, post, email, transmit, store, or otherwise make available through your use of the Services.

6.1.3. You understand that by using the Service you may encounter User Content that you may find offensive or objectionable, and that you may expose others to User Content that they may find objectionable. We do not (a) control the User Content posted via the Services, (b) guarantee the accuracy, integrity, or quality of such User Content, or (c) endorse any opinion contained in User Content. You understand and agree that your use of the Services and any User Content is solely at your own risk.

6.2. OWNERSHIP OF USER CONTENT. User Content is owned solely by the person or entity from whom such User Content originated. We do not claim any ownership rights in your User Content.

6.3. LICENSE FROM YOU.

6.3.1. By submitting, posting, sharing, and/or otherwise making available to or via the Services any User Content, you grant us a worldwide, royalty-free, non-‐exclusive, transferable license to use, distribute, reproduce, modify, adapt, publish, translate, publicly perform, and publicly display such User Content on or in connection with the Services. This license is granted separately with respect to each item of your User Content.

6.3.2. The above license will (subject to the following paragraph of these Terms) terminate within a commercially reasonable time after you or us remove such User Content from the Services and/or your account. Licenses with respect to comments or other public contributions, and User Content that is published, made public, and/or shared with others will be perpetual and irrevocable, and will continue notwithstanding any termination of your account.

6.3.3. You represent that you have the right to post any User Content which you post to the Services, and that such User Content, or its use by us as contemplated by these Terms, does not (a) violate these Terms, applicable law, or the intellectual property (including but not limited to, copyrights, trademarks, patents, and trade secrets), publicity, privacy, proprietary, or any other rights of others, or (b) imply any affiliation, endorsement, approval, or cooperation with you or your User Content by us. By submitting or posting User Content on areas of the Services that are accessible by the public, you are representing that you are the owner of such material and/or have authorization to distribute it. Any User Content other than yours is the property of the relevant uploader, and is or may be subject to copyright, trademark rights, or other intellectual property or proprietary rights. Such User Content may not be downloaded, reproduced, distributed, transmitted, re­uploaded, republished, displayed, sold, licensed, made available, or otherwise communicated to the public or exploited for any purposes except via the features of the Services or with the express written consent of the such uploader. If you repost another user's User Content, or include another user's User Content in your own User Content, you acquire no ownership rights whatsoever in that User Content. Subject to the rights expressly granted in these Terms, all rights in User Content are reserved to the relevant uploader, except that, where applicable, you agree to waive your "moral rights" including but not limited to, the right to be identified as the author of any User Content on the Services and your right to object to derogatory treatment of your User Content.

6.3.4. You understand that in order to provide the Services and make your User Content available, we may transmit your User Content across various public networks, in various media, and modify or change your User Content to comply with technical requirements of connecting networks or devices. You agree that the license herein permits us to take any such actions.

6.4. BACKUP YOUR USER CONTENT. You agree that you are responsible for backing up, to your own computer or other device, all your own User Content that you store or access via the Services. We do not guarantee or warrant that any User Content you may store or access through the Services will not be subject to inadvertent damage, corruption, or loss.

6.5. ACCESS TO YOUR ACCOUNT AND USER CONTENT. Without limiting the foregoing, you agree and acknowledge that we may access, use, preserve, and/or disclose your User Content if legally required to do so or if we have a good faith belief that such access, use, disclosure, or preservation is reasonably necessary to (a) comply with legal process or request, (b) enforce these Terms, including investigation of any potential violation, (c) detect, prevent, or otherwise address security, fraud, or technical issues, or (d) protect the rights, property, or safety of us, our users, or the public as required or permitted by law.

6.6. REMOVAL OF USER CONTENT.

6.6.1. You agree and acknowledge that we are not responsible or liable in any way for any User Content and have no duty to pre-screen any User Content. However, we reserve the right, at all times, to determine whether User Content is appropriate and in compliance with these Terms, and may pre‐screen, move, refuse, modify, and/or remove User Content at any time, without prior notice, and in our sole discretion, if such User Content is found to be in violation of these Terms or is otherwise objectionable in our sole discretion.

6.6.2. Users have control over their User Content what that they store in their account, and may remove User Content without notice. You have no right of continued access to any particular item of User Content and we shall have no liability in the event that you are unable to access an item of User Content due to its removal from the Services whether by us or the relevant user.

6.6.3. If you believe that any User Content infringes one or more of your copyrights, please follow the directions in our Copyright Policy. Or if you believe that any User Content does not comply with the community guidelines below, or that your rights under applicable law have been otherwise infringed by any User Content, please contact us at: support@phicno.com.

6.7. REPEAT INFRINGERS. If we receive a valid notification from a third party in accordance with our reporting processes or applicable law that any of your User Content infringes the copyright or other rights of such third party, or if we believe that your behavior is inappropriate and violates these Terms, we may send you a written warning to this effect. Any user that receives more than two (2) of these warnings is liable to have their access to the Services terminated immediately.

7.1. PROHIBITED CONDUCT. You agree that you will NOT use the Services to do any of the following (the "Prohibited Conduct"):

(a) Upload, download, embed, post, email, transmit, store, or otherwise make available anything that infringes any copyright, patent, trademark, trade secret, right of publicity, confidential information, or any other rights of any person or entity;

(b) Upload, download, embed, post, email, transmit, store or otherwise make available any User Content that is unlawful, harassing, threatening, harmful, tortuous, defamatory, libelous, abusive, promotes violence, obscene, vulgar, promotes pornography, invasive of another's privacy, hateful, inflammatory, racially or ethnically offensive, attacks an individual or group, incites hatred on grounds of race, gender, religion or sexual orientation, promotes drug use, or is otherwise objectionable in our sole discretion;

(c) Stalk, harass, abuse, threaten, or harm another;

(d) Mislead any user as to the origin of any User Content, deceive any person, or misrepresent your identity or affiliation with any person or entity;

(e) Post, send, transmit, or otherwise make available any unsolicited or unauthorized email messages, advertising, promotional materials, junk mail, spam, or chain letters;

(f) Use or attempt to use another user's account, password, or other information, unless you have express permission from that other user;

(g) Upload, download, embed, post, email, transmit, store, or otherwise make available anything that contains viruses or any other computer code, files or programs designed to harm, interfere or limit the normal operation of the Services, or any other computer software or hardware, or which does or might restrict or inhibit any other user's use and enjoyment of the Services;

(h) Commit or engage in, or encourage, induce, solicit, or promote, any conduct that would constitute a criminal offence, give rise to civil liability, or otherwise violate any law or regulation;

(i) Use any User Content (other than your own) in any way that is designed to create a separate content service or that replicates any part of the Services;

(j) Sell or transfer, or offer to sell or transfer, your account to any third party without the prior written approval from us; and/or

(k) Collect, attempt to collect, and/or store personal information on any other users of the Services to be used in connection with any of the foregoing prohibited activities.

7.2. FLAGGING AND REPORTING VIOLATIONS.

7.2.1. If while using the Services, you encounter User Content you find inappropriate, or otherwise believe to be Prohibited Conduct, you may report it by sending an email to: support@phicno.com.

7.2.2. You may also report Prohibited Conduct by clicking the appropriate link and then indicating a reason and/or describe the reason for the report.

7.2.3. Our staff will review "flagged" User Content to determine whether it is Prohibited Conduct. If such user Content is Prohibited Conduct, we will promptly remove such User Content.

7.3. ENFORCEMENT. You agree to comply with the above conditions, and acknowledge and agree that we have the right, in our sole discretion, to suspend and/or terminate your account or take such other action as we see fit if you breach any of the above conditions or any of the other terms of these Terms. Without limiting any other rights or remedies of us under these Terms, we reserve the right to investigate any situation that appears to involve any of the above Prohibited Conduct, and may report such matters to, and co­operate with, appropriate law enforcement authorities in prosecuting any users who have participated in any such violations. We reserve the right, in our sole discretion, to determine whether your conduct is Prohibited Conduct.

(a) All your User Content is an original work by you, or you have obtained all rights, licenses, consents, and permissions necessary in order to use, and (if and where relevant) to authorize us to use, your User Content pursuant to these Terms, including but not limited to, the right to upload, reproduce, store, transmit, distribute, share, publicly display, publicly perform, make available, and otherwise communicate to the public your User Content through or via the Site and the Services;

(b) All your User Content does not and will not violate the rights of any third party, including but not limited to, any intellectual property rights, performers' rights, rights of privacy or publicity, or rights in confidential information;

(c) Your User Content, including any comments that you may post, is not and will not be unlawful, offensive, abusive, libelous, defamatory, obscene, racist, sexually explicit, ethnically or culturally offensive, indecent, will not promote violence, terrorism, or illegal acts, or incite hatred on grounds of race, gender, religion or sexual orientation;

(d) Your User Content does not and will not create any liability on the part of us, our subsidiaries, affiliates, successors, and assigns, and their respective employees, agents, directors, officers and/or shareholders; and

(e) You are legally permitted to enter into these Terms and to grant us all the rights granted in these Terms, and these Terms will not interfere with any contract to which you are a party.

9.1. COPYRIGHT. We respect the rights of copyright owners. For details on our copyright policy, please click here: Copyright Policy (attached and incorporated herein).

9.2. TRADEMARKS. All Phicno trademarks, service marks, trade names, logos, graphics, and domain names used in connection with the Services are trademarks or registered trademarks of Phicno in the United States and/or other countries. Any other trademarks, service marks, graphics, and logos used in connection with the Services may be the trademarks of their respective owners. You are not granted any right or license to use any of the above trademarks, whether for commercial or non-commercial use, and further agree that you shall not remove, obscure, or alter any proprietary notices (including trademark and copyright notices) that may be affixed to or contained within the Services. If you believe that any of your trademarks have been infringed by anyone using the Services, please contact us at: support@phicno.com

14.1. YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK AND THE SERVICES ARE PROVIDED ON AN "AS IS" BASIS. WE AND OUR AFFILIATES, SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON‐INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, WE AND OUR AFFILIATES, SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS MAKE NO WARRANTY THAT (a) THE SERVICES WILL MEET YOUR REQUIREMENTS, (b) YOUR USE OF THE SERVICES WILL BE TIMELY, UNINTERRUPTED, SECURE OR ERROR FREE, (c) ANY INFORMATION OBTAINED BY YOU AS A RESULT OF THE SERVICES WILL BE ACCURATE OR RELIABLE, AND (d) ANY DEFECTS OR ERRORS PROVIDED TO YOU AS PART OF THE SERVICES WILL BE CORRECTED.

14.2. ANY MATERIAL TRANSMITTED, STORED, ACCESSED, OR OTHERWISE MAINTAINED THROUGH THE USE OF THE SERVICES IS DONE SO AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES OR LOSS OR CORRUPTION OF DATA THAT RESULTS FROM ANY SUCH USE OF THE SERVICES. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

14.3. WHERE THE LAW OF ANY JURISDICTION LIMITS OR PROHIBITS THE DISCLAIMER OF IMPLIED OR OTHER WARRANTIES AS SET OUT ABOVE, THE ABOVE DISCLAIMERS SHALL NOT APPLY TO THE EXTENT THAT THE LAW OF SUCH JURISDICTION APPLIES TO THESE TERMS.

15.1. YOU EXPRESSLY UNDERSTAND AND AGREE THAT TO THE EXTENT PERMITTED BY APPLICABLE LAWS, PHICNO AND ITS AFFILIATES, SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS SHALL NOT BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, OR OTHER INTANGIBLE LOSSES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM (a) THE USE OR INABILITY TO USE THE SERVICES, (b) ANY CHANGES MADE TO THE SERVICES OR ANY TEMPORARY OR PERMANENT CESSATION OF ANY OF THE SERVICES, (c) THE UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR USER CONTENT OR DATA, (d) THE DELETION OF, CORRUPTION OF, OR FAILURE TO STORE AND/OR SEND OR RECEIVE YOUR USER CONTENT OR DATA ON OR THROUGH THE SERVICES, (e) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON OR VIA THE SERVICES; AND (f) ANY OTHER MATTERS RELATING TO THE SERVICES.

15.2. YOU EXPRESSLY UNDERSTAND AND AGREE THAT AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES SHALL NOT BE MORE THAN THE AMOUNTS PAID BY YOU TO US DURING THE PRIOR TWELVE MONTHS IN QUESTION.

15.3 Nothing in these Terms removes or limits our liability for fraud, fraudulent misrepresentation, personal injury, or death caused by our negligence.

17.1. We may provide you with notices regarding the Services, including changes to these Terms, via email, regular mail, or postings on the Site and/or the Services.

17.2. If you have any questions about these Terms, please contact us via email at: support@phicno.com.

18.1. ENTIRE AGREEMENT. These Terms, together with the Copyright Policy and Privacy Policy contain the entire understanding between you and us regarding your use of the Services, and supersedes all prior agreements, representations, and understandings between you and us relating to the subject matter hereof.

18.2. SEVERABILITY. If any provision of these Terms is held in whole or in part to be unenforceable for any reason, the remainder of that provision and of the entire Terms will be severable and remain in effect.

18.3. WAIVER. Any failure by us to enforce your strict performance of any provision of these Terms will not constitute a waiver of our right to subsequently enforce such provision or any other provision of these Terms.

18.4. CHOICE OF LAW. The validity, construction, and performance of this Agreement shall be governed and construed in accordance with the laws of the State of California, without giving effect to any conflict of laws provisions.

18.5. MANDATORY ARBITRATION. If a dispute arises out of or relating to any aspect of this Agreement, all of the parties agree to try and settle the dispute quickly and fairly through discussion. If the dispute cannot be settled through discussion, all parties agree to first try in good faith to settle the dispute by private mediation before resorting to arbitration. If a dispute cannot be resolved with either discussion or mediation, then the dispute shall be submitted for binding arbitration to ADR Services, Inc. in Los Angeles County, California under ADR Services' arbitration rules. In the event of an arbitration (or any other court proceeding), the prevailing party shall be entitled to recover reasonable attorneys' fees and costs related to such action, suit, or proceeding. You and Phicno thus KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY WAIVE ANY RIGHT TO A TRIAL BY JURY IN RESPECT OF ANY LITIGATION IN CONNECTION WITH THESE TERMS. FURTHER, YOU AND PHICNO AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR OUR INDIVIDUAL CAPACITY, AND NOT AS A CLASS MEMBER OR IN ANY REPRESENTATIVE CAPACITY OR PROCEEDING.

18.6. ASSIGNMENT. We shall have the right to assign or delegate any of our rights or obligations of these Terms, in whole or in part, at any time, with or without prior notice to you. You may not assign these Terms in any way. All obligations contained in these Terms shall extend to and be binding upon the parties' respective successors, assigns, and designees.

18.7. NO THIRD PARTY BENEFICIARIES. Except as otherwise expressly provided in these Terms, you agree that there shall be no third‐party beneficiaries to these Terms.

18.8. LANGUAGE; TRANSLATIONS. Any translation of these Terms is done for local requirements. In the event of a dispute between the English and any non-‐English versions, the English version of these Terms shall govern.

18.9. STATUTE OF LIMITATIONS. You agree that any claim or cause of action arising out of or related to these Terms or the use of the Services must be filed within one (1) year after the cause of action arose or is forever barred.

18.10. CLAUSE HEADINGS. Headings within these Terms are for convenient reference only and have no effect in limiting or extending the language of the provisions to which they refer.

1.1. Phicno values the privacy of our users and takes the privacy of your information very seriously. We want to earn your trust by being transparent about how the Site works. Please read this Policy carefully. By using the Site, you are agreeing to be bound by this Policy.

1.2. NO INFORMATION FROM CHILDREN UNDER 13. If you are under the age of thirteen (13), please do not attempt to register for the Site, or provide any personal information about yourself to us. Anyone who provides their personal information to us through the Site or otherwise represents that they are 13 years of age or older. If we learn that we have collected personal information from a child under age 13, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under age 13, please contact us at: legal@phicno.com.

1.3. PARENTAL PARTICIPATION. We strongly recommend that minors 13 years of age or older ask their parents for permission before sending any information about themselves to anyone over the Internet and we encourage parents to teach their children about safe Internet use practices.

2.1. We may collect and process the following information about you:

2.1.1. INFORMATION THAT YOU PROVIDE US. This includes information about you that you provide when (i) registering to use the Site, and (ii) using the Site. We may ask you to provide us with the following personal information:

(a) Your title, first name, surname, alias, and user name;

(b) Your email address and telephone number;

(c) Your PayPal email address;

(d) Your Facebook, Twitter, Instagram, or Google Plus public profile and other related information in connection with logging into and using the Site via such third party services; and/or

(e) You may also provide us with personal information if you contact us with a query.

2.1.2. We may also collect information regarding your usage of the Site, such as:

(a) SITE ACTIVITY INFORMATION. We may keep track of the actions you take on the Site, such as, details of your visits to the Site, the resources you access, any data viewed, uploaded or downloaded, the number of times you view a particular section of the Site, and/or any comments you provide as a customer or user of the Site.

(b) ACCESS DEVICE AND BROWSER INFORMATION. When visiting the Site, we may log your computer operating system type, browser type, browser language, the website you visited before browsing to the Site, pages you viewed, how long you spent on a page, access times, Internet protocol (IP) address, information about your use of and actions on the Site, and location data.

(c) COOKIE INFORMATION. We may log information using "cookies." Cookies are small data files stored on your hard drive by a website. We use cookies help us make our Site and your visit better.

(d) WEB BEACONS. We may log information using digital images called "web beacons" on the Site or in our emails. We may use web beacons to manage cookies, count visits, and to learn what marketing works and what does not. We may also use web beacons to tell if you open or act on our emails.

2.2. If you do not provide information which we reasonably request, then you may not be able to access the full range of features on the Site.

3.1. We take steps to ensure that others use information that you share on the Site in a manner consistent with our Terms of Use, but we cannot guarantee that they will follow our rules. Please review this section to learn more about how you can protect yourself when you share information with third parties.

3.2. SHARING INFORMATION ON THE SITE. We designed the Site to enable you to review and edit your information in your account settings. We currently do not maintain a process for you to change privacy settings.

3.3. If you use an external source to publish information to the Site, you should check the privacy setting for that external source.

4.1. We use your information to operate, maintain, and improve the Site. Specifically, we may use your information to do the following:

(a) Administer your accounts with us;

(b) Process materials submitted by you;

(c) Contact you with information about goods and services;

(d) Provide you with information, products or services that you request from us;

(e) Verify your identity;

(f) Carry out marketing analysis and make general improvements to the Site;

(g) Obtain your views or comments on the services we provide, or to ask you to participate in surveys;

(h) Contact the winners of any competitions and help us plan other promotional activities;

(i) Ensure that content from the Site is presented in the most effective manner for you and for your computer;

(j) Carry out our obligations arising from any contracts or agreements entered into between you and us; or

(k) Protect, investigate, and deter against fraudulent, unauthorized, or illegal activity.

4.2. We may also provide the public and/or third parties (e.g. advertisers) with aggregate information about our users. We may provide such aggregate information to help the public and/or third parties reach the kind of audience they want to target. However, we do not disclose information about identifiable individuals to the public and/or to third parties.

5.1. We share your information with third parties when we believe the sharing is permitted by you, reasonably necessary to offer our services, or when we are legally required to do so. Specifically, we may share your information as follows:

(a) With your consent;

(b) When we do a business deal, or negotiate a business deal, involving the sale or transfer of all or a part of our business or assets;

(c) For legal, protection, and safety purposes. For example, to comply with laws or to respond to lawful requests and legal processes.

(d) To protect our rights and property, and the rights and property of our agents, customers, and others. This includes enforcing our agreements, policies, and terms of use.

(e) In an emergency. This includes protecting the safety of our employees and agents, our customers, or any person;

(f) With those who need it to do work for us; or

(g) We may also share aggregated and/or anonymized data with others for their own uses.

6.1. VIEWING AND EDITING YOUR PROFILE AND OTHER INFORMATION. You may change or delete your profile information at any time by going to your profile page and clicking the appropriate link. Information will be updated immediately.

6.2. DELETING YOUR ACCOUNT. If you want to stop using your account you may delete it. When you delete an account, it is permanently deleted. You should only delete your account if you are certain you never want to use it again. To delete your account, email support@phicno.com with the subject: "please delete my account".

6.3. LIMITATIONS ON REMOVAL. Even after you remove information from your profile or delete your account, copies of that information may remain viewable elsewhere to the extent it has been shared with others or it was copied or stored by other users. Additionally, we may retain certain information to prevent identity theft and other misconduct even if deletion has been requested.

6.4. OPT OUT. If you do not want us to contact you in respect of goods or services, you may opt out at any time. You can exercise this right at any time by either unsubscribing via the link in the email we send you, updating your settings, or by email: legal@phicno.com. If you opt out, we may still send you non-marketing emails. Non-marketing emails include emails about your accounts and our business dealings with you.

6.5. You may send requests about personal information to: legal@phicno.com. You can request to change contact choices, opt-out of our sharing with others, and update your personal information.

6.6. You can typically remove and reject cookies from the Site with your browser settings. Many browsers are set to accept cookies until you change your settings. If you remove or reject our cookies, it could affect how our Site works for you.

6.7 DO NOT TRACK. We do not currently respond to "Do Not Track" signals.

7.1. We do our best to keep your information secure. However, no company can fully prevent security risks, mistakes may happen, and bad actors may defeat even the best safeguards.

7.2. Steps we take to keep your information secure. The Site uses a security system that protects any personal information that is stored on our servers from unauthorized use. However, as no data transmissions over the Internet can be guaranteed to be 100% secure, we cannot take responsibility for any unauthorized access or loss of personal information that is beyond our reasonable control.

7.3. RISKS INHERENT IN SHARING INFORMATION. We cannot control the actions of other users with whom you share your information. We cannot guarantee that only authorized persons will view your information. We cannot ensure that information you share on the Site will not become publicly available. We are not responsible for third party circumvention of any security measures on the Site. You can reduce these risks by using common sense security practices such as choosing a strong password, using different passwords for different services, and using up to date antivirus software.

7.4. REPORT VIOLATIONS. You should report any security violations to us by emailing: legal@phicno.com.

7.5. ENFORCEMENT. We regularly review our compliance with the Policy. If we receive a formal written complaint, we will contact the person who made the complaint to follow up. We work with the appropriate regulatory authorities to resolve any complaints regarding the transfer of personal data that we cannot resolve with our users directly.

8.1. We may change this Policy at any time. If we make any changes, we will change the Effective Date below, and where appropriate, may notify you via e-mail or announcement on the Site.

8.2. By using the Site, you signify your acceptance of the revised privacy policy.

8.3. We encourage you to periodically review the Site's current privacy policy.

9.1. If you have any questions, comments, or concerns about this Policy, please email us at: legal@phicno.com.

10.1. The Site is operated from the United States of America. By using the Site, you consent to having your personal information transferred to and processed in the United States.

10.2. Any dispute or claim arising out of or in connection with this Policy or its subject matter shall be governed by and construed according the laws of the United States, without giving effect to any conflict of laws provisions.

11.1. The Site may contain links to and from the websites of our partners, advertisers, and associates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for the protection of any data supplied to other sites.

12.1. This Policy was last updated on October 12, 2015.