TERMS AND CONDITIONS

The following Terms of Service (“TOS”) contain the terms and conditions that govern your use of the Websites and moneyandyou.co.nz & moneyandyouaustralia.com.au (as defined below).These TOS describe your rights and responsibilities and what you can expect from the Service. 90degrees Global Limited & 90degrees Global PTY Limited reserve the right to add, delete and/or modify any of the terms and conditions contained in this TOS, at any time and in its sole discretion, by posting a change notice or a new agreement on the moneyandyou.co.nz & moneyandyouaustralia.com.au Websites. In the event of substantive changes to this TOS, you may be notified by E-mail. If any modification is unacceptable to you, your only recourse is to not use the Website and the Money and You Services.

Your continued use of the Money and You site following posting of a change notice or new TOS on the moneyandyou.co.nz & moneyandyouaustralia.com.au websites will constitute binding acceptance of the changes.

1. The moneyandyou.co.nz & moneyandyouaustralia.com.au service.

Moneyandyou.co.nz & moneyandyouaustralia.com.au provide services through the Website (all such services, collectively, the moneyandyou.co.nz Service”). One such service enables users to purchase merchandise, books, tapes, seminar programs, and/or compact discs (collectively, “Products”). Moneyandyou.co.nz & moneyandyouaustralia.com.au users may purchase individual Products for their own use or sell Products through their own page on the Web site (“Shop”). Users who would like to sell Products through Shop must enter into the Strategic Alliance/Affiliate Program Agreement. Excellerated.com allows all users to browse the Web site and purchase Products from the Shop. Excellerated.com may offer a number of other services on its Web site, such as message boards, newsletters, mentoring, library, learning tools, resources, and business opportunities, which may change from time to time.

2. Use of the Web site and Excellerated.com Service.

2.1 Eligibility. moneyandyou.co.nz & moneyandyouaustralia.com.au will only knowingly provide the moneyandyou.co.nz & moneyandyouaustralia.com.au Service to parties that can lawfully enter into and form contracts under applicable law. If you are under the age of 18, you may use the moneyandyou.co.nz Service only under the supervision of a parent or legal guardian who agrees to be bound by these TOS.

2.2 Compliance with TOS and Applicable Law. You must comply with all of the terms and conditions of these TOS, the applicable agreements and policies referred to below, and all applicable laws, regulations and rules when you use the moneyandyou.co.nz & moneyandyouaustralia.com.au Service and the Web site.

2.3 Your License to Use the Web site and the moneyandyou.co.nz & moneyandyouaustralia.com.au Service.

(a) Moneyandyou.co.nz & moneyandyouaustralia.com.au solely and exclusively owns all intellectual property and other rights, title and interest in and to the moneyandyou.co.nz Service and Web site, except as expressly provided for in these TOS. For example and without limitation, moneyandyou.co.nz & moneyandyouaustralia.com.au owns the trademarks and copyrights in and to the Web site, and certain technology used in providing the moneyandyou.co.nz & moneyandyouaustralia.com.au Service. You will not acquire any right, title or interest therein under these TOS or otherwise

(b) moneyandyou.co.nz & moneyandyouaustralia.com.au grants you a limited revocable license to access and use the Web site and the moneyandyou.co.nz & moneyandyouaustralia.com.au Service for its intended purposes, subject to your compliance with these TOS. This license does not include the right to collect or use information contained on the Website for purposes prohibited by moneyandyou.co.nz & moneyandyouaustralia.com.au; to compete with moneyandyou.co.nz & moneyandyouaustralia.com.au; create derivative works based on the content of the Website; or download or copy the Website (other than page caching). If you use the Website in a manner that exceeds the scope of this license or breach this TOS, moneyandyou.co.nz & moneyandyouaustralia.com.au may revoke the license granted to you.

(c) This Section 2.3 does not pertain to your intellectual property rights. For information regarding your intellectual property rights, please see Section 4.3.

2.4 Third-Party Services. moneyandyou.co.nz & moneyandyouaustralia.com.au may use third parties to provide certain services accessible through the Website. moneyandyou.co.nz & moneyandyouaustralia.com.au does not control those third parties or their services, and you agree that moneyandyou.co.nz & moneyandyouaustralia.com.au will not be liable to you in any way for your use of such services. These third parties may have their own terms of use and other policies. You must comply with such terms and policies as well as these TOS when you use these services. If any such terms or policies conflict with moneyandyou.co.nz & moneyandyouaustralia.com.au‘s TOS, agreements or policies, you must comply with moneyandyou.co.nz & moneyandyouaustralia.com.au‘s TOS, agreements or policies, as applicable.

3. General Rules.

3.1 Prohibited Use. You may only use the moneyandyou.co.nz & moneyandyouaustralia.com.au Service as expressly permitted by moneyandyou.co.nz & moneyandyouaustralia.com.au. You may not cause harm to the Web site or the moneyandyou.co.nz & moneyandyouaustralia.com.au Service. Specifically, but not by way of limitation, you may not: (i) interfere with the moneyandyou.co.nz & moneyandyouaustralia.com.au Service by using viruses or any other programs or technology designed to disrupt or damage any software or hardware; (ii) modify, create derivative works from, reverse engineer, decompile or disassemble any technology used to provide the moneyandyou.co.nz & moneyandyouaustralia.com.au Service; (iii) use a robot, spider or other device or process to monitor the activity on or copy pages from the Website, except in the operation or use of an internet “search engine,” hit counters or similar technology; (iv) collect electronic mail addresses or other information from third parties by using the moneyandyou.co.nz & moneyandyouaustralia.com.au Service; (v) impersonate another person or entity; (vi) use any meta tags, search terms, key terms, or the like that contain moneyandyou.co.nz & moneyandyouaustralia.com.au’s name or trademarks; (vii) engage in any activity that interferes with another user’s ability to use or enjoy the moneyandyou.co.nz & moneyandyouaustralia.com.au Service; or (viii) assist or encourage any third party in engaging in any activity prohibited by these TOS.

3.2 Privacy Policy. By entering into these TOS, you agree to moneyandyou.co.nz & moneyandyouaustralia.com.au collection, use and disclosure of your personal information in accordance with the Privacy Policy.

3.3 Ordering Policies. If you purchase Products, you agree to do so in accordance with moneyandyou.co.nz & moneyandyouaustralia.com.au Ordering Policy.

4. General Rules and License for the moneyandyou.co.nz & moneyandyouaustralia.com.au.

4.1 Description. As part of the moneyandyou.co.nz & moneyandyouaustralia.com.au Service, you will receive a password and account designation upon completing your registration process. You are responsible for maintaining the confidentiality of the password and account and are fully responsible for all activities that occur under your password or account. You agree to (a) immediately notify moneyandyou.co.nz & moneyandyouaustralia.com.au of any unauthorized use of your password or account or any other breach of security, and (b) ensure that you exit from your account at the end of each session. moneyandyou.co.nz & moneyandyouaustralia.com.au cannot and will not be liable for any loss or damage arising from your failure to comply with this policy. moneyandyou.co.nz & moneyandyouaustralia.com.au offers a service that allows you to upload images, data, and other content (collectively, “Content”) to the moneyandyou.co.nz & moneyandyouaustralia.com.au Portal to create, produce and purchase Products featuring the uploaded Content for your own use.

4.2 Delivery of Content. You will upload or deliver to the moneyandyou.co.nz & moneyandyouaustralia.com.au Portal all Content that you want to use in accordance with the applicable instructions on the Web site and the Content Usage Policy. moneyandyou.co.nz & moneyandyouaustralia.com.au may, in its sole and exclusive discretion, determine whether any Content complies with such instructions and is satisfactory for use on the moneyandyou.co.nz & moneyandyouaustralia.com.au Portal. You agree to not use the Service to:

4.2.1 upload, post, E-mail, transmit or otherwise make available any Content that is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar, obscene, libelous, invasive of another’s privacy, hateful, or racially, ethnically or otherwise objectionable;

4.2.2 harm minors in any way;

4.2.3 impersonate any person or entity, including, but not limited to, an Excellerated.com official or falsely state or otherwise misrepresent your affiliation with a person or entity;

4.2.4 forge headers or otherwise manipulate identifiers in order to disguise the origin of any Content transmitted through the Service;

4.2.5 upload, post, E-mail, transmit or otherwise make available any Content that you do not have a right to make available under any law or under contractual or fiduciary relationships (such as inside information, proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure agreements);

4.2.6 upload, post, E-mail, transmit or otherwise make available any Content that infringes any patent, trademark, trade secret, copyright or other proprietary rights (“Rights”) of any party;

4.2.7 upload, post, E-mail, transmit or otherwise make available any unsolicited or unauthorized advertising, promotional materials, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation, except in those areas (such as shopping) that are designated for such purpose;

4.2.8 upload, post, E-mail, transmit or otherwise make available any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;

4.2.9 intentionally or unintentionally violate any applicable local, state, national or international law, including, but not limited to, regulations promulgated by the U.S. Securities and Exchange Commission, any rules of any national or other securities exchange, including, without limitation, the New York Stock Exchange, the American Stock Exchange or the NASDAQ, and any regulations having the force of law;

4.2.10 provide material support or resources (or to conceal or disguise the nature, location, source, or ownership of material support or resources) to any organization(s)

4.2.11 “stalk” or otherwise harass another; and/or

4.2.12 collect or store personal data about other users in connection with the prohibited conduct and activities set forth in paragraphs 4.2.1 through4.2.12 herein.

4.3 Licensing Your Content to moneyandyou.co.nz & moneyandyouaustralia.com.au. You will retain ownership of the Content that you upload to the moneyandyou.co.nz & moneyandyouaustralia.com.au Portal. You hereby grant to moneyandyou.co.nz & moneyandyouaustralia.com.au a royalty-free, worldwide, transferable, nonexclusive, right and license to use such Content, in all media existing now or created in the future, as moneyandyou.co.nz & moneyandyouaustralia.com.au deems necessary to enable you to use the moneyandyou.co.nz & moneyandyouaustralia.com.au Portal to create, produce and purchase Products for so long as your Content remains uploaded to the Web site. moneyandyou.co.nz & moneyandyouaustralia.com.au may sublicense the rights that you grant it in this Section to a third party subcontractor only for purposes of producing your Products and providing the moneyandyou.co.nz & moneyandyouaustralia.com.au Service.

5. Reservation of Rights.

5.1 Monitoring. moneyandyou.co.nz & moneyandyouaustralia.com.au reserves the right, but does not assume the obligation, to monitor transactions and communications that occur through the Web site. If moneyandyou.co.nz & moneyandyouaustralia.com.au determines, in its sole and absolute discretion, that you or another moneyandyou.co.nz & moneyandyouaustralia.com.au user will breach a term or condition of these TOS or that such transaction or communication is inappropriate, moneyandyou.co.nz & moneyandyouaustralia.com.au may cancel such transaction or take any other action to restrict access to or the availability of any material that may be considered objectionable, without any liability to you or any third party.

5.2 Modification of the Service. moneyandyou.co.nz & moneyandyouaustralia.com.au may modify the moneyandyou.co.nz & moneyandyouaustralia.com.au Service at any time with or without notice to you, and will incur no liability for doing so.

6. Submissions.

When you submit questions, comments, suggestions, ideas, message board postings, material submitted via web forms, articles, communications or any other information (“Submissions”), you grant moneyandyou.co.nz & moneyandyouaustralia.com.au permission to use such Submissions for marketing and other promotional purposes, including the right to sublicense. You agree that moneyandyou.co.nz & moneyandyouaustralia.com.au will have no obligation to keep any Submissions confidential. You will not bring a claim against moneyandyou.co.nz & moneyandyouaustralia.com.au based on “moral rights” or the likes arising from moneyandyou.co.nz & moneyandyouaustralia.com.au’s use of a Submission. This Section does not apply to your Content that you use in connection with the moneyandyou.co.nz & moneyandyouaustralia.com.au Portal or Shop Service.

7. Representations and Warranties.

7.1 Mutual Representations and Warranties. You represent and warrant to moneyandyou.co.nz & moneyandyouaustralia.com.au and moneyandyou.co.nz & moneyandyouaustralia.com.au represents and warrants to you: (i) that you or it has the full power and authority to enter into and perform under these TOS, (ii) the execution and performance of your or its obligations under these TOS do not constitute a breach of or conflict with any other agreement or arrangement by which you or it is bound, and (iii) these TOS are a legal, valid and binding obligation of the party entering into these TOS, enforceable in accordance with their terms and conditions.

7.2 By You. You represent and warrant to moneyandyou.co.nz & moneyandyouaustralia.com.au that, in your use of the moneyandyou.co.nz & moneyandyouaustralia.com.au Service, you: (i) will not infringe the copyright, trademark, patent, trade secret, right of privacy, right of publicity or other legal right of any third party and (ii) will comply with all applicable laws, rules, and regulations. You further represent and warrant to moneyandyou.co.nz & moneyandyouaustralia.com.au that: (i) there are no claims, demands or any form of litigation pending, or to the best of your knowledge, threatened with respect to any of your Content; (ii) moneyandyou.co.nz & moneyandyouaustralia.com.au will not be required to make any payments to any third party in connection with its use of your Content, except for the expenses that moneyandyou.co.nz & moneyandyouaustralia.com.au incurs in providing the moneyandyou.co.nz & moneyandyouaustralia.com.au Service; (iii) the use of any instructions, formulae, recommendations, or the like contained in your Content will not cause injury to any third party; and (iv) your Content does not contain viruses or any other programs or technology designed to disrupt or damage any software or hardware.

8a. Disclaimers and Exclusions.

8a.1 Disclaimer of warranties. moneyandyou.co.nz & moneyandyouaustralia.com.au provides the Web site and moneyandyou.co.nz & moneyandyouaustralia.com.au service on an “as is” and “as available” basis. moneyandyou.co.nz & moneyandyouaustralia.com.au does not represent or warrant that the Web site, moneyandyou.co.nz & moneyandyouaustralia.com.au service or its use: (i) will be uninterrupted, (ii) will be free of inaccuracies or errors, (iii) will meet your requirements, or (iv) will operate in the configuration or with the hardware or software you use. moneyandyou.co.nz & moneyandyouaustralia.com.au makes no warranties other than those made expressly in these TOS, and hereby disclaims any and all implied warranties, including without limitation, warranties of fitness for a particular purpose, merchantability and non-infringement.

8a.2 Exclusion of Damages. moneyandyou.co.nz & moneyandyouaustralia.com.au will not be liable to you or any third party for any consequential, incidental, indirect, punitive or special damages (including damages relating to lost profits, lost data or loss of goodwill) arising out of, relating to or connected with the use of the moneyandyou.co.nz & moneyandyouaustralia.com.au service, based on any cause of action, even if advised of the possibility of such damages.

8b. Limitation of Liability.

8b.1 Limitation of Liability. Except for a breach of a party’s representations and warranties under these TOS or in connection with your indemnity obligations under these TOS, in no event will the liability of either party in connection with these TOS exceed the greater of (i) the amount paid by moneyandyou.co.nz & moneyandyouaustralia.com.au to you during the six months immediately preceding the event that gives rise to such liability or (ii) $100.

9. Indemnification.

You must indemnify and hold moneyandyou.co.nz & moneyandyouaustralia.com.au and its employees, representatives, agents, affiliates, directors, officers, managers and shareholders (the “Parties”) harmless from any damage, loss, or expense (including without limitation, attorneys’ fees and costs) incurred in connection with any third-party claim, demand or action (“Claim”) brought against any of the Parties alleging that you have breached any of these TOS through any act or omission. If you have to indemnify Excellerated.com under this Section, moneyandyou.co.nz & moneyandyouaustralia.com.au will have the right to control the defense, settlement, and resolution of any Claim at your sole expense. You may not settle or otherwise resolve any Claim without moneyandyou.co.nz & moneyandyouaustralia.com.au’s express written permission.

10. Termination.

10.1 Termination. moneyandyou.co.nz & moneyandyouaustralia.com.au may suspend or terminate your use of the Web site or moneyandyou.co.nz & moneyandyouaustralia.com.au Service if it believes, in its sole and absolute discretion, that you have breached a term of these TOS.

10.2 Survival. Notwithstanding Section 10.1 above, these TOS will survive indefinitely unless and until moneyandyou.co.nz & moneyandyouaustralia.com.au chooses to terminate them.

10.3 Effect of Termination. If you or moneyandyou.co.nz & moneyandyouaustralia.com.au terminates your use of the Web site or the moneyandyou.co.nz & moneyandyouaustralia.com.au Service, moneyandyou.co.nz & moneyandyouaustralia.com.au may delete any Content or other materials relating to your use of the moneyandyou.co.nz & moneyandyouaustralia.com.au Service on moneyandyou.co.nz & moneyandyouaustralia.com.au’s servers or otherwise in its possession and moneyandyou.co.nz & moneyandyouaustralia.com.au will have no liability to you or any third party for doing so.

11. Notice.

All notices required or permitted to be given under these TOS will be in writing and delivered to the other party by any of the following methods: (i) mail, (ii) overnight courier, or (iii) electronic mail. If you give notice to moneyandyou.co.nz & moneyandyouaustralia.com.au, you must use the following addresses: P.O. Box 29-194 Greenwoods Cnr. Epsom Auckland, New Zealand TOS@ moneyandyou.co.nz & moneyandyouaustralia.com.au. If moneyandyou.co.nz & moneyandyouaustralia.com.au provides notice to you, moneyandyou.co.nz & moneyandyouaustralia.com.au will use the contact information provided by you to moneyandyou.co.nz & moneyandyouaustralia.com.au. All notices will be deemed received as follows: (i) if by delivery by mail, seven (7) business days after dispatch, (ii) if by overnight courier, on the date receipt is confirmed by such courier service, or (iii) if by electronic mail, 24 hours after the message was sent, if no “system error” or other notice of non-delivery is generated. If applicable law requires that a given communication be “in writing,” you agree that E-mail communication will satisfy this requirement.

12. Dispute Resolution.

All disputes arising out of, relating to or connected with these TOS or your use of any part of the moneyandyou.co.nz & moneyandyouaustralia.com.au Service will be exclusively resolved under confidential binding arbitration held in San Diego County, California before and in accordance with the Rules of the American Arbitration Association, by a sole arbitrator applying California law (without regard for conflicts of law principles). The arbitrator’s award will be binding and may be entered as a judgment in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under these TOS will be joined to an arbitration involving any other party subject to these TOS, whether through class arbitration proceedings or otherwise. Any action to enforce an arbitrator’s award will be brought in a federal or state court located in San Diego County, California. Each party hereby irrevocably submits to the personal jurisdiction of the Federal and California State courts in San Diego County. By entering into these TOS, you hereby irrevocably waive any right you may have to join claims with those of others in the form of a class action or similar procedural device. Any claim arising out of, relating to or connected with these TOS or your use of any part of the Excellerated.com Service must be asserted individually. Notwithstanding anything to the contrary in this Section 12, Excellerated.com may seek equitable relief, including, without limitation, injunctive relief and specific performance, without the requirement of posting a bond or other security or proving money damages are insufficient, from a court of competent jurisdiction.

13. Miscellaneous.

These TOS will be binding upon each party hereto and its successors and permitted assigns, and governed by and construed in accordance with the laws of the State of California without reference to conflict of law principles. These TOS will not be assignable or transferable by you without the prior written consent of Excellerated.com. These TOS (including all of the policies and other Agreements described in this TOS, which are hereby incorporated herein by this reference) contain the entire understanding of the parties regarding its subject matter, and supersedes all prior and contemporaneous agreements and understandings between the parties regarding its subject matter. No failure or delay by a party in exercising any right, power or privilege under these TOS will operate as a waiver thereof, nor will any single or partial exercise of any right, power or privilege preclude any other or further exercise thereof or the exercise of any other such right, power, or privilege. You and moneyandyou.co.nz & moneyandyouaustralia.com.au are independent contractors, and no agency, partnership, joint venture, or employee-employer relationship is intended or created by these TOS. The invalidity or unenforceability of any provision of these TOS will not affect the validity or enforceability of any other provision of these TOS, all of which will remain in full force and effect.