TYPE OF ACCOUNT

Free account:
With a free account you will be an active member of sfnewsletter, be able to access your account, create a username, and password, and generally use all the functions of our site EXCEPT FOR the ability to send newsletters.

Subscriber Account:
With a Subscriber Account (Subscription) you have all the same access, privileges, and responsibilities as with a Free Account. With a Subscription you will be able to send newsletters. .

BILLING
As a member of sfnewsletter, you agree that we are permitted to charge your credit card a subscription fee, any applicable sales tax and any other charges you may incur in connection with your use of sfnewsletter. The subscription fee will be processed upon registration of your subscription. It is your responsibility to maintain your most accurate billing information in your account. Should your billing information change at any time during your membership you must notify us as soon as possible with such changes. If your billing information changes and sfnewsletter requests payment from you and does not receive a reply or payment from you, your subscription will be permanently terminated 15 days after notification of request for payment.

AUTOMATIC BILLING OF YOUR SUBSCRIPTION
Your sfnewsletter subscription will automatically renew and be billed unless you take action to cancel your subscription. For your convenience, we will charge the subscription fee to the credit card you provide to us during registration (or to a different credit card if you change your account information). Your subscription will automatically renew for successive subscriptions, without prior notice to you, unless and until you cancel your subscription or we terminate it. You must cancel your subscription before it renews in order to avoid billing of subscription fees to your credit card. On your renewal day, your account will automatically be billed the current subscription fee, which may or may not be equal to the amount you originally paid.

REFUNDS
You may cancel your subscription anytime up to 30 days from the original billing date, and we will refund your entire billed amount. This applies to all levels of subscription, whether monthly, tri-monthly, semi-annually, or annually. Should you cancel your subscription after 30 days, your fee WILL NOT be refunded to you. In addition, if you no longer wish to be a subscriber of sfnewsletter, and retain your account, you must cancel your service PRIOR to the automatic renewal date. NO REFUNDS WILL BE ISSUED AFTER YOUR FREE TRIAL PERIOD HAS ENDED, OR AFTER AUTOMATIC RENEWAL HAS OCCURRED.

COPYRIGHT
All content included on this Site and its related newsletters, such as text, graphics, logos, button icons, images, digital downloads, data compilations, and software, is the property of sfnewsletter and protected by United States and international copyright laws. The compilation of all content on this Site and its related newsletters is the exclusive property of sfnewsletter and protected by U.S. and international copyright laws. All software used on this Site and its related newsletters is the property of sfnewsletter and protected by United States and international copyright laws. All rights reserved. sfnewsletter, its website www.sfnewsletter.com, "reports", or parts thereof may not be reproduced, redistributed, retransmitted, or otherwise disseminated without the express written permission of sfnewsletter and the respective copyright owners.

SERVICE AGREEMENT
By submitting payment (subscribing) to sfnewsletter you assert that you have read, understood and agreed to our Terms and Conditions/User Agreement, Privacy Policy and this Payment Policy/Service Agreement. You agree to ONLY distribute sfnewsletter to your "bona fide" buyers/sellers, and not reproduce or redistribute sfnewsletter in any manner that is not spelled out in this Service Agreement. You agree you will strictly abide by the laws set forth in the Federal Trade Commission CAN-SPAM ACT of 2003. Should you not adhere to the laws set forth in this Act, your account will be terminated immediately and your payment will NOT be refunded.

By subscribing to sfnewsletter, we grant you permission to send the most recent edition of sfnewsletter to your "bona fide" buyers/sellers through email, (either using the system we have in place on our website for your use, or through forwarding of your sfnewsletter via your personal email account), and post (should you decide to copy/print your sfnewsletter). We grant you permission to link to your sfnewsletter from your personal website, and copy your sfnewsletter in pdf format for distribution to your "bona fide" buyers/sellers either via email, print, or for a link on your personal website. You MAY NOT reproduce, in any format, sfnewsletter property "reports".

Last revised: May 12, 2006