Effective for all users as of January 1, 2005

THE FOLLOWING DESCRIBES THE TERMS AND CONDITIONS UNDER WHICH INSIDER DISCOUNTS OFFER YOU ACCESS TO OUR SERVICE.

This is the User Agreement for Insider Discounts online service (the "Service"). The Agreement describes the terms and conditions applicable to your use of the Service available under the domains and sub domains of http://www.insiderdiscounts.org (the "Site"). If you do not agree to be bound by the terms and conditions of this Agreement, do not use or access the Service.

If you have any questions whatsoever about the meaning of this Agreement or about policies related to the purchase and use of the Service, please refer to the FAQs in this User Agreement or contact the Insider Discounts Office directly at help@insiderdicounts.org.

Prior to submitting you application, you must read, agree with and accept all of the terms and conditions in this User Agreement, which include those terms and conditions expressly set forth below as well as those incorporated by reference. Insider Discounts reserves the right to amend this Agreement at any time by posting the amended terms on our site. All amended terms and condition shall take effect ten (10) days after being posted on the Site.

In order to be eligible to use the Service, you must qualify by filling out the online application. Once your application has been approved by the Insider Discounts Office, you may begin enjoying your Insider Discounts membership and using the Service. The Insider Discounts Office reserves the right to accept or continue membership in its sole and absolute discretion.

This User Agreement ("Agreement") is between you and Insider Discounts ("Company") with a principal place of business at 926 eastern Ave, Malden, MA . Use of http://www.insiderdiscounts.org ("Company Web Site") signifies your agreement to the terms and conditions of use set forth below in the Agreement.

Insider Discounts Rules
Scrip, gift certificates, passes, and letters, are for the exclusive use of Insider Discounts employees, family, and my not be used for any commercial purposes. NO refunds or exchanges for any reason, after 60 days. Up to 60 days, refunds will be made only if Scrip is not honored by merchant. Invalid Scrip must be returned within two months of purchase to the Insider Discounts Office for exchange or refund. It is advisable to use Scrip as soon as possible to avoid complications.

NO refunds or exchanges for ANY type of entertainment tickets except for event cancellation. Restaurant Scrip is valid only for groups of up to SIX people. If you plan a larger function, you must inform the Insider Discounts Office and we will contact the restaurant and attempt to make arrangements.

Scrip & Gift Certificates cannot be converted to cash nor does it cover restaurant service tax, tip or other gratuities. Remember to tip in cash for the full amount of the bill. Restaurants will not make change for unused Scrip.

In the unlikely event of a misunderstanding concerning the use of Gift Certificates, please do not argue with the merchant or the merchant’s employee. Instead, inform the Insider Discounts and we’ll resolve the issue.

Additional Provisions
All pages within the Site are the property of the Company and/or its affiliates. No portion of the materials on these pages may be reprinted or republished in any form without the express written permission of the Company. "Insider Discounts" logo is a trademark and service mark of the Company. All other trademarks, service marks and logos used in the Site are the trademarks, service marks or logos of their respective owners. Company may change, suspend or discontinue any aspect of the Site at any time, including the availability of any Site feature, database, or Content. Company may also impose limits on certain features and services or restrict your access to parts or the entire Site without notice or liability.

The Site contains links and pointers to the other related Internet sites, resources, including sponsors of the Site. Links to and from Site to other third party sites, maintained by third parties, do not constitute an endorsement by Company or any of its subsidiaries or affiliates of any third party resources, or their contents.

Company does not represent or endorse the accuracy or reliability of any advice, opinion, statement, or other information displayed or distributed through the Site. You acknowledge that any reliance upon any such opinion, advice, statement, memorandum, or information shall be at your sole risk. Company reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the Site. You certify to Company that you are not a minor, i.e., that you are at least eighteen (18) years of age; provided, however, that a minor's parent or legal guardian may authorize a minor to use his/her account(s) under supervision of the parent or guardian. For purposes of identification, billing and marketing, you agree to provide the Company with accurate, complete, and updated information required by the registration to the Service (Registration Data), including your legal name, address, telephone number(s), and applicable payment data (e.g., credit card number and expiration date).

You agree to notify the Company within ten (10) days of any changes in your Registration Data. Failure to comply with this provision may result in immediate suspension or termination of your right to use the Service. You are solely responsible for maintaining the confidentiality of your passwords, and agree that the Company will have no obligations with regard thereto.

Company reserves the right to reveal any registration data or other information in its possession regarding users of the Services in cooperation with a request or investigation by any governmental body or governmental agency.

You acknowledge that transmissions made by means of the Service are not confidential and that your communications may be read or intercepted by others. You acknowledge that by transmitting materials by means of the Service, no confidential, fiduciary, contractually implied or other relationship is created between you and the Company

You represent and warrant to the Company that you will not transmit by means of the Service any materials of any kind which (i) violate, plagiarize, or infringe on the intellectual property or contractual rights of any third party; (ii) are exported in violation of any law, rule, or regulation governing exports from the United States; (iii) contain libelous, defamatory, obscene, pornographic, abusive or otherwise unlawful material; (iv) contain software viruses or any other malicious code designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment. You further represent and warrant to the Company that your use of the Service will at all times comply with all applicable laws, rules, and regulations. You hereby agree to indemnify, defend and hold harmless the Company and its employees, licensors, independent contractors, providers, subsidiaries and affiliates (collectively, the "Affiliates"), from and against any and all liability and costs incurred by the Affiliates in connection with any claim arising out of any breach by you of the foregoing representations, warranties and covenants, including, without limitation, attorneys' fees and costs. You shall cooperate as fully as reasonably required in the defense of any claim. The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not in any event settle any matter without the written consent of the Company.

The Service (including all content software, functions, materials, and information accessed by any means thereof) is provided as is, without warranties of any kind, either express or implied, including, but not limited to, warranties of title or implied warranties of merchantability or fitness for a particular purpose, or warranties of non-infringement. To the fullest extent permissible by law, Company makes no warranties and shall not be liable for the use of the Service, including, without limitation, any interruption of or error in the Service under any circumstances, including, but not limited to, Company's negligence.

Under no circumstance shall Company be liable for any special or consequential damages that are directly or indirectly related to the use of, or the inability to use, the service, even if the Company has been advised of the possibility of such damages. In the event that local law does not allow such exclusion or limitation of incidental or consequential damages, in no event shall Company’s total liability for all damages, losses, or causes of action exceed ten dollars ($10).

You and the Company are independent contractors, and no agency, partnership, joint venture, employee-employer or franchiser-franchisee is intended or created by this Agreement.

In addition to any other rights of the parties set forth herein, either you or the Company may terminate this Agreement at any time upon notice. The Company also reserves the right to restrict, suspend or terminate the Service in whole or in part, without notice, with respect to any breach or threatened breach this Agreement. Company reserves the right to deny access to the Service in whole or in part, and to refuse to provide access to the Service following such termination.

This Agreement shall be governed and construed in accordance with the laws of the Commonwealth of Massachusetts, without regard to conflicts of law provisions. Sole and exclusive jurisdiction for any action or proceeding arising out of or related to this Agreement shall be in an appropriate court located within the Commonwealth of Massachusetts.

This Agreement constitutes the entire agreement between Company and you with respect to your use of the Site. Any cause of action you may have with respect to your use of the Site must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision of the Agreement, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of the Agreement, and the remainder of this Agreement shall continue in full force and effect. Company disclaims any and all responsibility for content contained in any third party materials provided through links from the Company Internet site.