PUBLISHER  TERMS AND CONDITIONS

The following Terms and Conditions for Publisher (the “Agreement“) is made and agreed to by and between Lender Direct Network, LLC (“LDN“) and you, the company or individual (“Publisher“), wishing to participate in the LDN Publisher Program (the “Publisher Program”). Publisher agrees to use the Publisher Program, and any additional services offered by LDN in the future, only in accordance with this Agreement as amended from time to time. LDN reserves the right to make changes to the Publisher Program and the Agreement at any time by posting the change at http://lenderdirectnetwork.com/publishers/terms. Publisher’s continued use of the Publisher Program after any such change will constitute its consent to and acceptance of the amended Agreement. The most current version of this Agreement will supersede all previous versions. Notwithstanding the foregoing, any change to this Agreement shall not apply to any dispute between Publisher and LDN arising prior to the date of the posting of such change.

1. PUBLISHER PROGRAM

1.1 The Publisher Program allows LDN to post offers of advertising programs sponsored by LDN or its advertisers to potential publishers (the “Posting“). The company offering the advertising program is referred to as the Advertiser (“Advertiser“). Each Posting will specify the amount and terms under which the Publisher will receive payment. Payment is generated from a specified event (“Action“) identified in the posting, such as clicks, click-throughs, sales, registrations, impressions and leads. Consumer information received in connection with such Action shall be referred to as Consumer Data (“Consumer Data“). The definition of the Action associated with a Posting is set forth in the online offer specifications. If the Publisher subscribes to a Posting and places it on the Publisher’s media properties, such as the Publisher’s website, affiliated websites, or email distribution lists, (collectively the “Publisher’s Site“), the Publisher is accepting the Terms and Conditions of the Agreement. Collectively, the services offered by LDN through the Publisher Program shall be referred to as the “Services”.

1.2 LDN may change or discontinue a Posting at any time without notice or liability to Publisher. Similarly, the Publisher may drop previously accepted Postings at any time unless otherwise specified in the Posting.

1.3 LDN shall display and manage all active Postings and tracking of the payments owed.

1.4 In order to be eligible to participate in the Publisher Program, the Publisher’s Site must meet the following criteria:

  1. be written in English and contain only English language content;
  2. be targeted only to residents of the United States;
  3. have a top-level domain name;
  4. not directly or indirectly offer any consideration or incentive (including but not limited to cash, points, prizes, discounts, or contests or sweepstakes entries to users to take any Action);
  5. be free of viruses, Trojan horses, trap doors, back doors, Easter eggs, worms, time bombs, cancelbots, malware, spyware, adware and other computer programming routines that may potentially damage, interfere with, intercept, or expropriate any system, data or personal information;
  6. be fully functional at all levels with no “under construction” sites or sections; and
  7. not spawn process pop-ups, exit pop-ups, or pop-unders.

2. PUBLISHER’S RESPONSIBILITIES

2.1 Publisher will be solely responsible for the development, operation and maintenance of Publisher’s Site and all materials that appear on Publisher’s Site. Publisher’s responsibilities include, but are not limited to: the technical operation of Publisher’s site; maintaining the equipment used to operate the Publisher’s site; creating, posting, and maintaining the links associated with the Postings; monitoring the legality, accuracy and appropriateness of the material posted on the Publisher’s Site and compliance with the terms of this Agreement; and registering Publisher’s Site with LDN. In the event that Publisher uses a sub-publisher or third party affiliate, Publisher acknowledges and agrees that it shall be solely responsible for ensuring that each sub-publisher or third party affiliate utilized by Publisher to perform any of Publisher’s services contemplated under this Agreement, is bound by and complies with terms of this Agreement. Publisher shall indemnify Advertiser for all acts of its sub-publishers and third-party affiliates without limitation. For purposes of this Agreement, in the event that Publisher uses a sub-publisher or third party affiliate, the term “Publisher” shall include sub-publisher and/or third party affiliate.

2.2 Publisher will not post misleading or otherwise deceptive content on Publisher’s Site. All content on Publisher’s Site shall be in compliance with all applicable laws, rules and regulations. Publisher is solely responsible for any and all content posted on Publisher’s Site.

2.3 Publisher is an independent contractor. Publisher understands that it is responsible to pay its income tax in accordance with applicable federal, state, and local law.

2.4 Publisher is not an agent, employee, partner, shareholder, or director of LDN and Publisher does not have the authority nor will Publisher attempt to enter into any agreement on behalf of LDN.

2.5 Publisher agrees that it will not, in any way, directly or indirectly alter, modify, eliminate, conceal, cookie stuff, traffic steal or otherwise render inoperable or ineffective LDN’s or any Posting’s site tags, source codes, links, pixels, modules or other technology or data provided by or obtained from LDN that allow LDN to measure advertisement performance and provide its service, or attempt to do the same.

2.6 LDN will provide the Advertiser’s creative and initial tracking links with each Posting. Publisher is responsible for hosting all email creative and redirecting from hosted creative to LDN’s tracking link. This is necessary to ensure that LDN does not become blacklisted by an Internet Service Provider or otherwise penalized for any perceived SPAM violations due to Publisher’s negligence.

3. ADVERTISING

3.1 LDN will provide all marketing material to Publisher on behalf of the Advertiser with each Posting. Under no circumstances may Publisher modify any part of the marketing material (including, without limitation, any link or disclosure) without the express written consent of LDN. Publisher acknowledges and agrees that its sole and exclusive source of remedy for any damages incurred arising from its use of the Advertiser’s marketing materials shall be the Advertiser.

3.2 In consideration of the considerable expenses incurred by LDN in developing its services and assisting the Publisher in finding suitable Advertisers, Publisher agrees that for a period of one (1) year after termination of Publisher’s relationship with LDN, Publisher shall not, either directly or indirectly, for itself or any third party, become engaged in any business or activity with an LDN Advertiser (an LDN Advertiser is defined as an Advertiser which has posted an offer with LDN) which promotes an Advertiser’s product or service, or otherwise divert or attempt to divert any existing business of LDN. Should the Publisher enter into a business relationship with an LDN Advertiser within a period of one (1) year after termination of Publisher’s relationship with LDN, Publisher shall disgorge all profits generated from Publisher’s business with such LDN Advertiser and said profits shall be immediately tendered to LDN. If Publisher makes direct contact with any LDN Advertiser, Publisher shall be immediately terminated from the Publisher Program.

3.3 Publisher authorizes LDN to utilize its trademarks, servicemarks, tradenames, and/or copyrighted material that Publisher provides LDN through its account to promote Publisher’s participation in the Publisher Program.

4. COMMISSION FEES AND PAYMENTS

4.1 Publisher will earn commission fees on qualifying Actions as set forth in the applicable Insertion Order.

4.2 In the event this Agreement is terminated, Publisher will only be entitled to commission fees earned through the effective date of termination. LDN may withhold final payment for a reasonable time to ensure that the commission fees paid exclude any fraudulent, canceled, or returned qualifying Actions.

4.3 LDN will compile, calculate and electronically deliver to Publisher data required to determine the Publisher’s compensation. LDN’s figures and calculations will be final and binding. Any questions Publisher has regarding the data provided by LDN needs to be submitted in writing within ten (10) days of Publisher’s receipt of such data, otherwise the information will be deemed accurate and accepted as such by Publisher without further right to dispute the accuracy of said data.

4.4 Payments are calculated every other Friday and checks issued immediately after calculation. The first payment will be made on the second Friday after Publisher enrolls in the Publisher Program. The minimum check value that will be issued in any period is $50.00. Commissions less than this amount will be rolled over to the following period’s commissions.

4.5 LDN reserves the right to withhold commission payments from Publisher’s accounts with respect to a particular Posting if funds have not been received from the Advertiser promoted by such Posting, or if fraudulent activity is suspected. There will be a $35.00 bank fee applied with any request to stop payment on a check and issue a replacement check. This $35.00 is deducted from Publisher’s account balance or replacement check. All statistical data reported in real-time should be only used as a guide reflecting potential end of month earnings.

4.6 In the event that Publisher is an active Advertiser of LDN and fails to provide payment to LDN in accordance with the payment terms of any applicable Advertiser agreement, LDN reserves the right to off-set any and all amounts owed to LDN for its services under the applicable Advertiser agreement from the commissions earned by Publisher under this Agreement.

4.7 LDN retains the right to audit, or to have its agent audit, Publisher’s books and records for the purpose of verifying compliance with the terms of this Agreement and ensuring that no fraudulent activity has taken place. The audit shall be conducted at LDN’s expense unless the audit reveals that Publisher has violated the terms of this Agreement or otherwise committed fraud, in which case, Publisher shall bear the costs of the audit.

5. TERM AND TERMINATION OF THIS AGREEMENT

5.1 The term of this Agreement will begin upon LDN’s acceptance, in its sole discretion, of Publisher’s application to become a Publisher of the Program and will end when terminated by either party. Either party may terminate this Agreement at any time, with or without cause, for any reason, by giving the other party written or electronic notice of termination.

5.2 Upon termination of this Agreement, for any reason, Publisher will immediately cease any use of, and remove from Publisher’s Site, all Postings, all links to LDN’s Sites, any of LDN’s proprietary materials, and any Advertiser materials, and will immediately destroy or return any of LDN’s and any Advertiser’s proprietary materials within Publisher’s possession or control. LDN will be entitled, but not limited to, injunctive relief in the event Publisher fails to comply with the foregoing.

6. FRAUD CONTROL

6.1 LDN utilizes a fraud control system to monitor for suspicious activity and potential fraud. Any company or individual that tries to artificially inflate Actions, traffic counts, revenue, or use any device, robot/program or other means to do so may be reported to the appropriate law enforcement and regulatory authorities for fraud and theft, and LDN reserves the right to pursue all available remedies.

6.2 If LDN suspects Publisher of fraud, Publisher acknowledges that it is its responsibility to prove by clear and convincing evidence that no fraudulent activity has occurred to the satisfaction of LDN. Publisher acknowledges and agrees that LDN’s determination whether Publisher has engaged in fraudulent conduct is final. If LDN suspects or detects fraud, Publisher’s account will be made inactive pending further investigation and all commission checks will be held until such time, if any, as LDN determines that no fraudulent activity has occurred.

6.3 If Publisher fraudulently adds or inflates Actions, as determined by LDN in its sole discretion, Publisher will forfeit its entire commission for all Postings and its account will be terminated. In the event Publisher uses names/email addresses that have not been verified, confirmed or double-opted-in in its marketing program, Publisher will forfeit its entire commission for all Postings and its account will be terminated. LDN will have the right to “seed” the names/email addresses provided to client with fictitious test names which will not complete the verification process in order to assure compliance with this provision.

6.4 Publisher agrees that it will not interfere with LDN’s attempts to monitor Publisher’s activities pursuant to this Agreement. 6.5 LDN shall be allowed to report all known and/or suspected fraudulent conduct to interested parties and to make such conduct public. Publisher agrees not to hold LDN liable for the consequences of such reports and acknowledges that it shall be in LDN’s sole discretion to determine whether or not fraudulent conduct has occurred or is suspected.

7. DEFAULT

7.1 In the event Publisher breaches this Agreement, LDN reserves the right to suspend or cancel Publisher’s account, in its sole discretion, and to withhold any and all payments. Should a payment be made and LDN determine that such payment was made to Publisher on account of an illegal or fraudulent action, or otherwise in violation of this Agreement, by the Publisher, LDN reserves the right to stop payment on said payment and pursue all other remedies available to it. Furthermore, Publisher acknowledges that a breach of this Agreement could result in immediate, extraordinary and irreparable damage to LDN and/or its Advertisers and that such damages may be difficult to measure. Accordingly, Publisher agrees that should it breach the Agreement, LDN may, in addition to other legal remedies, assess liquidated damages of up to $1,000.00 per occurrence for each such violation. Publisher further agrees that such liquidated damages are reasonable and do not constitute a penalty.

8. SPAM POLICY

8.1 LDN is dedicated to ensuring compliance with the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003 (the “CAN-SPAM Act”), as amended from time to time.

8.2 Publisher represents and warrants that, with respect to any email containing or promoting a Posting that Publisher “initiates” or “sends” (as those terms are defined by the CAN-SPAM Act), it will fully comply with the CAN-SPAM Act, all rules and official guidance promulgated by the Federal Trade Commission pursuant to the CAN-SPAM Act, the Federal Communications Commission’s rules and orders regulating the transmission of commercial email to wireless devices, and all other applicable laws, rules and regulations. Without limiting the generality of the foregoing requirement, Publisher will comply with the following requirements with respect to any email containing or promoting a Posting that Publisher initiates or sends:

  1. the “FROM” line shall clearly and accurately identify the sender or company that is “sending” or “initiating” the e-mail (as those terms are defined by the CAN-SPAM Act). Notwithstanding the foregoing requirement, Publisher shall not place the name of the Advertiser, the subject of the advertisement or any false or misleading information in the FROM line;
  2. the “SUBJECT” line must be reasonably related to the subject matter of the message;
  3. the email must contain a clearly displayed, labeled, and functioning (for at least thirty days after the message is sent) unsubscribe link for both the Publisher and Advertiser. Each unsubscribe link must provide for a universal unsubscribe from receipt of commercial email from Publisher and/or Advertiser, such that any request for removal via the link results in removal from all of Publisher’s and/or Advertiser’s lists, as applicable. Each link must require the message recipient to do no more than visit a single web page (and not submit any information other than email address) in order to unsubscribe;
  4. the email must include a statement that identifies the email as a commercial solicitation. This may be in the header, body or footer of the email; and
  5. the email must contain a valid postal address for the sender. This postal address should be listed at the top or bottom of each email.

8.3 Publisher will comply with the following additional requirements:

  1. Publisher may only deliver emails to individuals who have provided consent to receive email offers;
  2. in the event of a spam complaint, Publisher will provide the following information to the filer of the complaint within one (1) business day of receipt of the complaint:
    • the website at which the filer of the complaint signed up;
    • a link to the privacy policy of the sign up site evidencing a privacy policy which clearly indicates the filer of the complaint has given permission to the publisher to receive email offers;
    • the date the filer of the complaint signed up (and the time if available); and
    • the I.P. address from which the filer of complaint signed up.

8.4 If LDN determines in its sole discretion that Publisher has violated this Section 8 of the Agreement, LDN will terminate Publisher, with or without notice, and any commission fees earned but not yet paid will be forfeited by Publisher. All decisions by LDN are final.

8.5 Publisher acknowledges that it is LDN’s policy to comply with government investigations under the CAN-SPAM Act.

9. Use of Consumer Data

9.1 Publisher will conspicuously post its privacy policy on the Publisher Site. Publisher represents and warrants that the consumer has affirmatively agreed to its privacy policy and that its privacy policy: (i) fully and accurately describes its information collection, use and disclosure practices with respect to the Publisher Site, including, without limitation, the fact that Publisher shares users’ personal information with LDN and/or Advertiser, as applicable; and (ii) complies with all applicable laws and regulations. Publisher further represents and warrants that it will at all times comply with its posted privacy policy.

Publisher shall only use Consumer Data, as defined in Section 1.1 of this Agreement, in accordance with the express consent received from the consumer and as set forth in Publisher’s posted privacy policy. Once the Consumer Data is accepted by LDN, Publisher acknowledges and agrees that LDN shall retain the right to all Consumer Data and shall be authorized to utilize and market to all Consumer Data.

10. REPRESENTATIONS AND WARRANTIES

10.1 In addition to its other representations and warranties contained in this Agreement, Publisher represents and warrants to LDN that:

  1. Publisher has all power, authority and capacity to enter into this Agreement (including that each individual executing this Agreement has reached the age of legal majority in his or her jurisdiction) and has duly and validly authorized this Agreement;
  2. Publisher maintains all necessary licenses and registrations to engage in the activities contemplated under this Agreement;
  3. In providing services and fulfilling its obligations pursuant to this Agreement, Publisher shall comply with all applicable laws, rules and regulations and the terms of this Agreement;
  4. Publisher’s Site shall: (i) not infringe upon the privacy, publicity, intellectual property or other rights of any person or entity; (ii) not contain discriminatory or hate-mongering content; (iii) not contain or promote gratuitous violence, obscenity, or profanity; (iv) not contain material that is defamatory or libelous; (v) not promote any illegal activity, including but not limited to gambling, use of illegal substances, software piracy, or hacking; and (vi) not contain or promote pornography or spoof, or redirect, traffic to or from any adult-oriented websites.
  5. The Consumer Data was obtained in compliance with all applicable laws, rules, regulations, and privacy policies, and in conjunction with industry standards, and Publisher’s sharing of the Consumer Data with LDN shall not violate any applicable law, rule, regulation, or representation made to the relevant consumer(s);
  6. Publisher shall comply with the best practices as adopted by the Online Lender’s Alliance, including any updates and amendments thereto (http://www.onlinelendersalliance.org);
  7. Publisher shall be solely responsible for the handling, storage and transmission of Consumer Data it provides to LDN. Publisher shall implement, and shall take measures to maintain, reasonable and appropriate administrative, technical, and physical security safeguards to (a) insure the security and confidentiality of the Consumer Data; (b) protect against anticipated threats or hazards to the security or integrity of the Consumer Data; and (c) protect against unauthorized access or use of the Consumer Data. Without limiting the generality of the foregoing, Publisher shall implement controls substantially similar or in material compliance with SAS-70, SSAE 16, or any similar successor standard for the processing of transactions using Consumer Data. In the event of any suspected or actual compromise of Consumer Data, Publisher shall notify LDN within twenty-four (24) hours;
  8. In providing services and fulfilling its responsibilities pursuant to this Agreement, Publisher shall comply with all applicable federal, state and local laws, rules, and regulations;
  9. Publisher’s materials promoting a Posting will not violate the intellectual property, privacy or other rights of any person; and
  10. Publisher shall immediately notify LDN if Publisher receives notice of any complaints, inquiries or investigations related to the subject matter of this Agreement, and immediately remedy same.

11. CONFIDENTIAL INFORMATION.

11.1 The term “Confidential Information” shall mean: (i) any and all information which is disclosed by either party (“OWNER”) to the other (“RECIPIENT”) verbally, electronically, visually, or in a written or other tangible form which is either identified or should be reasonably understood to be confidential or proprietary; and (ii) the terms, including without limitation, the pricing, of this Agreement and any proposals or other documents that preceded this Agreement. Confidential Information may include, but not be limited to, trade secrets, computer programs, software, documentation, formulas, data, inventions, techniques, marketing plans, strategies, forecasts, client lists, employee information, financial information, confidential information concerning Owner’s business or organization, as Owner has conducted it or as Owner may conduct it in the future. In addition, Confidential Information may include information concerning any of Owner’s past, current, or possible future products or methods, including information about Owner’s research, development, engineering, purchasing, manufacturing, accounting, marketing, selling, leasing, and/or software (including third party software).

11.2 Owner’s Confidential Information shall be treated as strictly confidential by Recipient, and Recipient shall protect and preserve its confidential nature. Recipient shall not directly or indirectly disclose any Confidential Information to any third party except to those third parties operating under non-disclosure provisions no less restrictive than in this Section and who have a justified business “need to know” or upon the express written consent of the Owner. This clause shall be enforceable during the Term of this Agreement and will continue to remain enforceable after the termination or expiration of this Agreement. This Agreement imposes no obligation upon the Parties with respect to Confidential Information which either party can establish by legally sufficient evidence: (a) was in the possession of, or was rightfully known by the Recipient without an obligation to maintain its confidentiality prior to receipt from Owner; (b) is or becomes generally known to the public without violation of this Agreement; (c) is obtained by Recipient in good faith from a third party having the right to disclose it without an obligation of confidentiality; (d) is independently developed by Recipient without the participation of individuals who have had access to the Confidential Information or the use of Confidential Information; or (e) is required to be disclosed by court order or other lawful governmental action, but only to the extent so ordered, provided that the Recipient immediately notifies the Owner of such requirement so that the Owner may attempt to obtain a protective order either restricting or preventing such disclosure, and the Recipient cooperates with the Owner to resist such disclosure and protect its rights in the Confidential Information.

11.3 The Recipient shall not obtain, by virtue of this Agreement, any rights, title, or interest in any Confidential Information of the Owner. Within fifteen (15) days after termination of this Agreement and upon written request of a party hereto, each party shall certify in writing to the other that all copies of Confidential Information in any form in its possession or control, including partial copies, have been destroyed, returned to Owner, or used solely as the Owner so directs.

12. INDEMNIFICATION

12.1 Publisher shall defend, indemnify and hold harmless LDN and Advertisers from and against all claims, suits, demands, damages, liabilities, losses, penalties, civil fines, interest settlements, judgments, costs and expenses, including reasonable attorneys’ fees, incurred, claimed or sustained by LDN or Advertiser arising directly or indirectly from (i) Publisher’s breach or non-compliance with any term of this Agreement; (ii) Publisher’s violation or alleged violation of any law, statute, regulation, or ordinance arising from Publisher’s activities in connection with this Agreement; (iii) Publisher’s participation in the Publisher Program; (iv) any claim that LDN is obligated to pay any tax in connection with payments made to Publisher; (v) any violation or alleged violation by Publisher of any rights of another, including breach of another’s privacy or intellectual property rights; and (vi) the Publisher’s Site.

13. LIMITATION OF LIABILITY; DISCLAIMER OF WARRANTY

13.1 LDN’S SERVICE IS PROVIDED ON AN AS IS BASIS AND LDN MAKES NO EXPRESS OR IMPLIED WARRANTIES OR REPRESENTATIONS WITH RESPECT TO THE PUBLISHER PROGRAM, ANY OF ITS PRODUCTS OR SERVICES, POSTINGS (INCLUDING ANY CREATIVE), ADVERTISER PRODUCTS OR SERVICES, OR ANY OF LDN’S SITES (INCLUDING WITHOUT LIMITATION, ANY WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, NON-INFRINGEMENT OR ANY IMPLIED WARRANTIES ARISING OUT OF A COURSE OF PERFORMANCE, DEALING OR TRADE USAGE). IN ADDITION, LDN MAKES NO REPRESENTATION OR WARRANTY THAT THE OPERATION OF ITS SITES OR ORDERING PAGES WILL BE UNINTERRUPTED OR ERROR-FREE, AND LDN WILL NOT BE LIABLE FOR THE CONSEQUENCES OF ANY INTERRUPTIONS OR ERRORS.

13.2 TO THE EXTENT PERMITTED BY APPLICABLE LAW AND NOTWITHSTANDING ANYTHING IN THIS AGREEMENT TO THE CONTRARY OR ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY OR LIMITATION OF LIABILITY, LDN WILL NOT BE LIABLE TO PUBLISHER OR ANY THIRD PARTY FOR ANY INDIRECT, SPECIAL, EXEMPLARY, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA OR SERVICES, ARISING IN CONNECTION WITH THIS AGREEMENT, THE PUBLISHER PROGRAM, OR THE LDN PRODUCTS OR SITES, HOWEVER CAUSED, REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE OR WHETHER LDN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. FURTHER, LDN’S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THIS AGREEMENT, THE PUBLISHER PROGRAM, OR THE LDN PRODUCTS OR SITES, UNDER ANY THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, STATUTORY OR OTHERWISE) SHALL IN NO EVENT EXCEED THE TOTAL COMMISSION FEES PAID TO THE PUBLISHER UNDER THIS AGREEMENT DURING THE SIX (6) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CAUSE OF ACTION.

13.3 Benefit of the Bargain. The limitation of liability set forth in this Section 13 and the indemnification obligations set forth in Section 12 are an essential element of the benefit of the bargain reflected in this Agreement.

14. GENERAL MATTERS

14.1 Entire Agreement. This Agreement sets forth the entire understanding of both parties hereto with respect to its subject matter and supersedes any and all previous contracts and covenants between both parties whether written or oral, with respect to such subject matter. This Agreement includes any Publisher Program Insertion Order(s) entered into by Publisher and LDN. In the event of any inconsistency between an Insertion Order and the Agreement, the terms of this Agreement shall govern.

14.2 Governing Law; Venue. It is mutually understood and agreed that this Agreement shall be understood and interpreted in all respects according to the law of the State of Georgia. Furthermore, it is understood that this Agreement shall be treated as though it were executed in the County of Fulton in the State of Georgia, and to have been performed in the County of Fulton in the State of Georgia. The parties agree that any action relating to this Agreement shall be instituted and prosecuted in the Courts located in the County of Fulton in the State of Georgia.

14.3 The Parties’ Relationship. Each party is an independent contractor and not a partner, joint venturer or employee of the other. Publisher will not make any statement, whether on the Publisher’s Site or otherwise, that would cause confusion as to LDN’s or any Advertiser’s relationship with Publisher or otherwise contradict anything in this Section.

14.4 Notices. All notices will be sent to the address or other contact information submitted by Publisher when signing up for the service by certified mail, fax, email or courier. All notices to LDN shall be sent to 6465 E. Johns Crossing, Suite 200, Johns Creek, GA 30097, Attn: Legal Department.

14.5 Severability. If any provision of this Agreement is held to be invalid, illegal or unenforceable for any reason, such invalidity, illegality or unenforceability shall not affect any other provisions of this Agreement, and this Agreement shall be construed as if such invalid, illegal or unenforceable provision had not been contained herein.

14.6 Force Majeure. Neither party will be liable to the other by reason of its failure to perform or its delay in the performance of its obligations hereunder as a result of any causes or conditions which are beyond such party’s reasonable control and which such party is unable to overcome by the exercise of reasonable diligence, including but not limited to Acts of God, fires, storms, wars, governmental action, labor conditions, earthquakes, natural disasters, and interruption in internet service.

14.7 Dispute Resolution. Should a dispute arise between the parties, the Dispute shall be referred by each party to an officer/manager of its respective company with authority to settle the dispute and the two shall meet in an attempt to resolve the dispute.

14.8 Captions. Captions contained in the Agreement are for reference purposes only and are not part of the Agreement.

14.9 Neither Party Considered the Drafter. Despite the possibility that one party may have prepared the initial draft of this Agreement or played the greater role in the physical preparation of subsequent drafts, the parties agree that neither of them shall be deemed the drafter of this Agreement and that, in construing this Agreement in case of any claim that any provision hereof may be ambiguous, no such provision shall be construed in favor of one party on the ground that such provision was drafted by the other.

14.10 Waiver. A waiver of a breach or default under this Agreement shall not be a waiver of any subsequent breach or default of that or any other provision. Failure of either party to enforce compliance with any term or condition of this Agreement shall not constitute a waiver of such term or condition.

14.11 Assignment. This Agreement may not be assigned or otherwise transferred by Publisher without the express written consent of LDN. Any attempted assignment or transfer shall be null and void.

14.12 Survival. The provisions of this Agreement that by their nature may reasonably be presumed to have been intended to survive any termination of this Agreement shall survive any termination of this Agreement. Without limiting the foregoing, Sections 12 and 13 shall survive the termination of this Agreement.

© 2013 LDN Inc. РSeptember 01, 2013 9:40:02 AM EDT