Terms of Service

Agreement to Terms

By accessing or using the PBC Online website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.

Use License

Permission is granted to temporarily access the materials on PBC Online's website for personal, non-commercial viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or public display
• Attempt to decompile or reverse engineer any software contained on the website
• Remove any copyright or proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on any other server

User Accounts

When you create an account with us, you must provide accurate, complete, and current information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use

Prohibited Uses

You may not use our services to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit harmful, threatening, abusive, or defamatory content
• Engage in fraudulent or deceptive practices
• Upload viruses or malicious code
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the services

Intellectual Property

The content, features, and functionality of PBC Online, including but not limited to text, graphics, logos, images, and software, are owned by PBC Online and are protected by copyright, trademark, and other intellectual property laws.

Service Availability

We strive to provide uninterrupted access to our services, but we do not guarantee that our services will be available at all times. We reserve the right to modify, suspend, or discontinue any part of our services without notice.

Disclaimer of Warranties

The materials on PBC Online's website are provided on an "as is" basis. PBC Online makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

Limitation of Liability

In no event shall PBC Online or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on PBC Online's website, even if PBC Online or an authorized representative has been notified orally or in writing of the possibility of such damage.

Indemnification

You agree to indemnify and hold harmless PBC Online and its affiliates, officers, agents, and employees from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of your breach of these Terms of Service or your violation of any law or the rights of a third party.

Governing Law

These terms and conditions are governed by and construed in accordance with the laws of the United States, and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

Changes to Terms

PBC Online reserves the right to revise these Terms of Service at any time without notice. By using this website, you are agreeing to be bound by the then-current version of these Terms of Service.