Welcome to ichtf.com

Netizen may agree to sign this agreement with ichtf.com by visiting the homepage of this website, and the Netizen will be restricted by the clause of this agreement and term, ichtf.com has the legal right to alter the clause at any time. ichtf.com may introduce new services and new function from time to time and all these services shall be subjected to these Term of Service( TOS for short).

You agree that ichtf.com has the following rights:

1. Member I.D., Password and Security

To be a registered member of the Web Site ("Netizen"), you must be at least 18 years old. Once you become a ichtf.com Netizen, you shall receive a Member Login Name and a password for your account. Please maintain the confidentiality of your Login Name, password and any other information of your account. You agree that you are entirely responsible for any and all activities that occur via your account. You may change your password at any time by following instructions. Netizen agrees to immediately notify ichtf.com of any unauthorized use of Netizen's account or any other breach of security known to Netizen.

2. Participation in Promotions of Advertisers

Netizen may send to or receive correspondences from advertisers about promoting advertisers' products or services. Any such correspondences or promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such correspondence or promotions, are solely between the corresponding Netizen and the advertiser. ichtf.com assumes no liability, obligation or responsibility for any portion of such correspondence or promotion.

3. Privacy Policy

3.1 Information Collection, Sharing and Disclosure. It is ichtf.com's policy to respect the privacy of its users. When you sign up as a ichtf.com Netizen, ichtf.com will require your name, email address, gender, date and place of birth, education, occupation, yearly household income, zip code and any other information as required ("Registration Data"). In addition to the Registration Data provided by you, ichtf.com may also collect and store certain personally identifiable information in ichtf.com's secure database, when you visit the Web Site, when you use some of ichtf.com's Services, or when you enter promotions or sweepstakes on the Web Site. ichtf.com also automatically receives and records information from your browser including but not limited to your IP address, the pages you requested and the time of request. ichtf.com may use the information it obtains relating to you, for its internal business and marketing purposes, including but not limited to (i) fulfilling your requests for certain products and services; (ii) customizing the marketing materials and the content you see on the Web Site;

3.2 Advertisements. ichtf.com may, on behalf of its advertisers, display or send targeted advertisements to you based upon nonpublic personal information about you, provided however that in the process of doing so, ichtf.com will not disclose any nonpublic personal information about you to the advertisers. Such advertisers include both financial service providers and non-financial service providers. If you feel interested in such advertisement and respond accordingly, any personal information you give to the advertisers may give the advertisers a clue about the characteristics used by them to select the audience for the advertisement. If you do not want to disclose any information about yourself to the advertisers, do not respond to such advertisements. ichtf.com will not share your personally identifiable information with any third party when you click on these advertisements.

3.3 Changes to this Privacy Policy. ichtf.com may amend its privacy policy at any time and from time to time. If ichtf.com makes any substantial changes regarding how ichtf.com uses your personal information, ichtf.com will notify you by posting a prominent announcement on the Web Site.

4. Disclaimer of Warranties

The Material may contain inaccuracies or typographical errors. ichtf.com makes no representations about the accuracy, reliability, completeness, or timeliness of the Material or about the results to be obtained from using the Web Site, the Services and the Material. The use of the Web Site, the Services and the Material is at your own risk. Changes are periodically made to the Web Site and may be made at any time. ichtf.com DOES NOT WARRANT THAT THE WEB SITE WILL OPERATE ERROR-FREE OR THAT THIS WEB SITE AND ITS SERVERS ARE FREE OF COMPUTER VIRUSES AND OTHER HARMFUL GOODS. IF YOUR USE OF THE WEB SITE OR THE MATERIAL RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, 00615. net IS NOT RESPONSIBLE FOR THOSE COSTS. THE WEB SITE, SERVICES AND MATERIAL ARE PROVIDED ON AN "AS IS" BASIS WITHOUT ANY WARRANTIES OF ANY KIND. 00615. net AND ITS SUPPLIERS, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL WARRANTIES, INCLUDING THE WARRANTY OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTIES' RIGHTS, AND THE WARRANTY OF FITNESS FOR PARTICULAR PURPOSE. 00615. net AND ITS SUPPLIERS MAKE NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE MATERIAL, SERVICES, SOFTWARE TEXT, GRAPHICS, AND LINKS.

5. User Submissions

Generally, any communication that you post to the Web Site is considered to be non-confidential. If certain Web pages permit the submission of communication that will be treated by ichtf.com as confidential, that fact will be stated in Legal Notices on those pages. By posting communications to the Web Site, you automatically grant ichtf.com a royalty-free, perpetual, irrevocable nonexclusive license to use, reproduce, modify, publish, edit, translate, distribute, perform, and display the communication alone or as part of other works in any form, media, or technology whether now known or hereafter developed, and to sublicense such rights through multiple tiers of sublicenses. As a user, you are responsible for your own communications and are responsible for the consequences of their posting. YoUser's use of the Web Site, Services and Material is subject to all applicable local, state, national and international laws and regulations. ichtf.com does not represent or guarantee the truthfulness, accuracy, or reliability of any of communications posted by other users or endorse any opinions expressed by users. You acknowledge that any reliance on material posted by other users will be at your own risk. ichtf.com does not screen communications in advance and is not responsible for screening or monitoring material posted by users. If notified by a user of communications that allegedly do not conform to this Agreement, ichtf.com may investigate the allegation and determine in good faith and its sole discretion whether to remove or request the removal of the communication. ichtf.com has no liability or responsibility to users for performance or nonperformance of such activities. ichtf.com reserves the right to expel users and prevent their further access to the Web Site for violating this Agreement or the law and the right to remove communications which are abusive, illegal, or disruptive.

6. Links to Other Sites

The Web Site contains links to third party Web sites. These links are provided solely as a convenience to you and not as an endorsement by ichtf.com of the contents on such third-party web sites. ichtf.com 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. If you decide to access linked third-party web sites, you do so at your own risk.

7. Indemnity

You agree to defend, indemnify, and hold harmless ichtf.com, its subsidiaries, affiliated companies, officers, directors, employees and agents, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of the Material or your breach of the terms of this Agreement. ichtf.com shall provide notice to you promptly of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit or proceeding.

8. Termination

You agree that ichtf.com, in its sole discretion, may terminate your account and use of the Services on the Web Site, and remove and discard any Material or Services within the Web Site, for any reason, including, without limitation, for lack of use or if ichtf.com believes that you have violated or acted inconsistently with the letter or spirit of the TOS. ichtf.com may also in its sole discretion and at any time discontinue providing the Web Site, or any part thereof, with or without notice. You agree that any termination of your access to the Web Site under any provision of the TOS may be effected without prior notice. You agree that ichtf.com shall not be liable to you or any third-party for any termination under this Agreement.

ichtf.com won't give you any refund if you subscribe to any of ichtf.com's paid services for a specified period of time ("Subscription Period") and such subscription is terminated prior to expiration of the Subscription Period, unless such subscription is terminated by ichtf.com without cause, is terminated due to ichtf.com's default or nonperformance, or is expressly allowed in writing to be terminated by you at any time prior to expiration of the Subscription Period.