The Terms & Conditions (T&C) of (UBT) govern your use of the UBT Web site (Site). By using this Site, you and other users of the Site (collectively, “Users”) agree to these T&C. If you do not agree to the T&C, you may not access or use the Site. We may modify the T&C from time to time without notice. You should check these T&C periodically for modifications. By using the Site following any modifications to the T&C, you agree to be bound by such modifications.

Use of the Site

The Site is owned and operated by UBT. We provide you with access to and use of the Site subject to your compliance with the T&C. No material from the Site may be copied, reproduced, republished, uploaded, posted, transmitted or distributed in any way, except as specifically allowed in the Site.

User Information / Privacy Policy

In the course of your use of the Site, you may be asked to provide certain information. UBT’s use of any information you provide shall be governed by our Privacy Policy. You acknowledge and agree that you are solely responsible for the accuracy and content of such information.

Rules and Limits on and Modifications to the Site

We reserve the right, in our sole discretion and without notice, to terminate, change, suspend or discontinue any aspect of this Site. We will not be liable to you or to any third party for doing so.


You agree to defend, indemnify and hold UBT, its directors, officers, employees, agents and affiliates harmless from any and all claims, liabilities, damages, costs and expenses, including but not limited to, reasonable attorneys’ fees, in any way arising from, related to or in connection with your use of the Site.

Proprietary Rights

As between you and UBT, UBT is the owner and/or authorized User of any trademark, registered trademark and/or service mark appearing on the Site, and is the copyright owner or licensee of the content and/or information on the Site, unless otherwise indicated. Except as otherwise provided herein, or as provided in a license agreement between you and UBT, use of the Site does not grant you authority or the right to any content you may access on the Site. Commercial use of the Site is prohibited. If you use the Site in a way other than as provided herein, you may violate copyright and other laws of the United States and may be subject to liability and damages for such unauthorized use.

The information on the Site is protected by law including copyright law.

COPYRIGHT NOTICE: Copyright © 2010 UBT. All Rights Reserved.

Trademark Information

Product names, logos, designs, titles, words and/or phrases may be protected under trademark law. UBT and UBT products and service names are trademarks of UBT. Without UBT’s prior permission, you agree not to display or use the UBT Marks in any manner. Nothing on the Site should be construed to grant any license or right to use any UBT Mark without the written consent of UBT.

Disclaimer of Warranties

UBT does not warrant that the site or its functions, content or services will be timely, secure, uninterrupted or error free, or that defects will be corrected. UBT makes no warranty that the site will meet users’ expectations. No advice, results or information, or materials whether oral or written, obtained by you through the site shall have any binding effect on UBT. If you are dissatisfied with the site discontinue using it. Any material downloaded or otherwise obtained through the use of the site is done at your own discretion and risk. UBT does not endorse, warrant or guarantee any products or services offered by or on behalf of third parties on or through the site. UBT is not a party to, and does not monitor, any transaction between users and third party providers of products or services.

Limitation of Liability

In no event shall UBT, its affiliates, directors, officers, employees, agents, assigns, or content or service providers be liable for any indirect, special, incidental, consequential, exemplary or punitive damages arising from or directly or indirectly related to the use of, or the inability to use, the site or the content, materials and functions related thereto, including, without limitation, loss of revenue, or anticipated profits, or lost business, data or sales, or cost of substitute services, even if UBT or its representative or such individual has been advised of the possibility of such damages. Some jurisdictions do not allow the limitation or exclusion of liability so some of the above limitations may not apply to you. In no event shall the total liability of UBT to you for all damages, losses, and causes of action (whether in contract or tort, including, but not limited to, negligence or otherwise) arising from the terms or your use of the site exceed, in the aggregate, $100.00.

Use Outside of U.S.A.

We control and operate the Site from our offices in the United States of America. We do not represent that materials on the Site are appropriate for use in other locations. Persons who choose to access the Site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable. You agree to comply with all applicable laws, rules and regulations in connection with your use of the Site. Without limiting the generality of the foregoing, you agree to comply with all applicable laws regarding the transmission of technical data exported from the United States or the country in which you reside.

General Information

The T&C constitute the entire agreement between you and UBT and govern your use of the Site, superseding any prior agreements between you and UBT. The failure of UBT to exercise or enforce any right or provision of the T&C shall not constitute a waiver of such right or provision. If any provision of the T&C is found by a court of competent jurisdiction to be invalid, all other provisions shall remain in full force and effect. You may not assign the T&C or any of your rights or obligations under the T&C without UBT’s express written consent. The T&C inure to the benefit of UBT’s successors, assigns and licensees. The section titles in the T&C are for convenience only.