This Privacy Policy describes the information that we gather from you, how we use and disclose your information, and the steps we take to protect your information. By using our Service, you consent to the privacy practices described in this policy.

This Privacy Policy is incorporated into and is subject to the Isbel™ Terms of Use. Capitalized terms that are not defined in the Privacy Policy have the meaning given to them in the Terms of Use.

• User-provided Information When you use the Service, you may provide and we may collect what is generally called "personally identifiable" information, such as your name, e-mail address, mailing address, mobile phone number, demographic information and credit card information. For example, you may provide us with personally identifiable information when you register for an account, use the Service, post User Content, interact with other users of the Service through communication or messaging features, or send us customer service related requests.
• "Cookies" Information When you use the Service, we may send one or more cookies – small text files containing a string of alphanumeric characters – to your computer. We may use both session cookies and persistent cookies. A session cookie disappears after you close your browser. A persistent cookie remains after you close your browser and may be used by your browser on subsequent visits to the Service. Persistent cookies can be removed. Please review your web browser "Help" file to learn the proper way to modify your cookie settings. Please note that if you delete, or choose not to accept, cookies from the Service, you may not be able to utilize the features of the Service to their fullest potential.
• "Automatically Collected" Information When you use the Service or open one of our HTML e-mails, we may automatically record certain information from your web browser by using different types of technology, including "clear gifs" or "web beacons." This "automatically collected" information may include your IP address or other device address or ID, web browser and/or device type, the web pages or sites that you visit just before or just after the Service, the pages you view on the Service, and the dates and times that you visit, access, or use the Service. This information is gathered for all users.
• Information from Other Sources: We may also obtain information, including personally identifiable information, from third parties and sources other than the Service, such as our partners or advertisers. We may also, at your direction, receive information from third party services that provide a mechanism to expose information you have provided to such third party through the use of an application program interface (API), such as Facebook Connect. If we combine or associate information from other sources with personally identifiable information that we collect through the Service, we will treat the combined information as personally identifiable information in accordance with this Privacy Policy.

• We use the information that you provide or that we collect, to operate, maintain, enhance and provide all of the features of the Service.
• We will use all of the information that you provide and that we collect to understand and analyze the usages trends and preferences of our users, to improve the Service, and to create new features and functionality.
• We may use your e-mail address or other personal information (a) to contact you for administrative purposes such as customer service, to address intellectual property infringement, right of privacy violations or defamation issues related to your User Content posted on the Service or (b) to send you promotional messages related to the Service and the activities of third parties we work with. Generally, you have the ability to opt-out of receiving any such communications, either through links provided in the messages or by updating your account preferences through the Service.
• We may use "cookies" information and "automatically collected" information to:
  (a) personalize our services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you visit the Service;
  (b) provide customized third party advertisements, content, and information;
  (c) monitor and analyze the effectiveness of Service and third party marketing activities;
  (d) monitor aggregate site usage metrics such as total number of visitors and pages viewed; and
  (e) track your entries, submissions, and status in any promotions or other activities.

• Any information, including personally identifiable information, that you voluntarily choose to include in a publicly accessible area of the Service, such as a public profile page, will be available to anyone who has access to that content, including other users.
• We work with third-party service providers to provide website, application development, hosting, maintenance, and other services for us. To the extent it is necessary for these third-party service providers to complete their contractual obligations to us, these third parties may have access to or process your personally identifiable information. Generally, these disclosures are made under terms comparable to this policy, and the recipients are limited to using the information the purpose for which it was provided.
• We make certain automatically collected and other aggregate non-personally-identifiable information available to third parties, to:
  (i) comply with various reporting obligations;
  (ii) for business or marketing purposes; or
  (iii) to assist such parties in understanding our users' interests, habits, and usage patterns for certain programs, content, services, advertisements, promotions, and/or functionality available through the Service.
• We may also disclose your information if required to do so by law or in the good-faith belief that such action is necessary to comply with state and federal laws (such as U.S. Copyright law), in response to a court order, judicial or other government subpoena or warrant, or to otherwise cooperate with law enforcement activity.
• We also reserve the right to disclose your information that we believe, in good faith, is appropriate or necessary to take precautions against liability; to protect Isbel, Inc. and others from fraudulent, abusive, or unlawful uses or activity; to investigate and defend ourselves against any third party claims or allegations; to assist government enforcement agencies; to protect the security or integrity of the Service; or to protect the rights, property, or personal safety of Isbel, Inc., our users, or others.

We use certain physical, managerial, and technical safeguards that are designed to improve the integrity and security of your personally identifiable information. We cannot, however, ensure or warrant the security of any information you transmit to us or store on the Service and you do so at your own risk. We also cannot guarantee that such information may not be accessed, disclosed, altered, or destroyed by breach of any of our physical, technical, or managerial safeguards.

If we learn of a security systems breach, then we may attempt to notify you electronically so that you can take appropriate protective steps. We may post a notice through the Service if a security breach occurs. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. To receive a free written notice of a security breach you should notify us at support@isbel.com.

Welcome, and thank you for your interest in Isbel, Inc. ("Isbel™") and our web-based service available at www.isbel.com. The following Terms of Use are a legally-binding contract between you and Isbel™ regarding your use of the Isbel™ website, mobile applications, and other features or services (collectively, the "Service").

Please read the following terms of use carefully. By registering for an account; downloading an Isbel™ mobile application; accessing, browsing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by the following terms and conditions, including the Isbel™ Privacy Policy, End User License Agreement, and any additional terms or future modifications (collectively, the "Terms"). If you are not eligible, or do not agree to the Terms, then please do not use the Service.

• Privacy Policy Please read the Isbel™ Privacy Policy carefully for information relating to our collection, use, and disclosure of your personal information. The Isbel™ Privacy Policy is hereby incorporated by reference into, and made a part of, these Terms.
• End User License Agreement. Your use of any mobile application or other downloadable software we may provide (each, an "App") is subject to an End User License Agreement. The applicable End User License Agreement depends on the platform on which the App is designed to run and the features of the App. The End User License Agreement will be presented to you when you download and/or install the App and will be accessible through the App. Apps are deemed part of the Service, and all such End User License Agreements are hereby incorporated into, and made a part of, the Terms by reference.
• Additional Terms. Your use of the Service is subject to any additional terms, rules, or guidelines applicable to certain services and features which we may post from time to time (the "Additional Terms"). All such Additional Terms are hereby incorporated by reference into, and made a part of, the Terms.

• Fees. Isbel™ may, now or in the future, charge you for goods you choose to you purchase through the Service or paid features of the Service you have elected to access. You agree to pay to Isbel™ all fees for such goods or services purchased by you or on your behalf, including in each case any applicable taxes.
• Payment. Isbel™ will bill charges through the payment method specified in your account or at the time of purchase (e.g. electronic funds transfer or credit card). If you elect to pay any applicable fees with a credit card, Isbel™ may seek pre-authorization of your credit card account prior to your purchase to verify that the credit card is valid and has the necessary funds or credit available to cover your purchase. You authorize such credit card account to pay any amounts described herein, and authorize Isbel™ to charge all sums described herein to such credit card account.

• User Content Generally. Certain features of the Service may permit users to post content, including messages, photos, video, data, text, and other types of works (collectively called, "User Content") and to publish User Content on the Service.
• Limited License Grant to Isbel™. By posting User Content, you grant Isbel™ and a worldwide, non-exclusive, transferable, assignable, fully paid-up, royalty-free, perpetual, irrevocable right and license to host, transfer, display, perform, reproduce, modify, distribute and re-distribute, and otherwise exploit your User Content, in whole or in part, in any media formats and through any media channels (now known or hereafter developed). You retain copyright and any other proprietary rights you hold in the User Content that you post to the Service.
• Limited License Grant to Other Users. By posting and sharing User Content with another user of the Service, you hereby grant that user a non-exclusive license to access and use such User Content.
• User Content Representations and Warranties. You are solely responsible for your User Content and the consequences of posting or publishing User Content. By posting and publishing User Content, you affirm, represent, and warrant that:
  • You are the creator and owner of, or have the necessary licenses, rights, consents, and permissions to use and to authorize Isbel™ and users of the Service to use and distribute your User Content as necessary to exercise the licenses granted by you in this Section 5 and in the manner contemplated by Isbel™ and the Terms;
  • Your User Content, and the use thereof as contemplated herein, does not and will not:
    (a) infringe, violate, or misappropriate any third-party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right;
    (b) slander, defame, libel, or invade the right of privacy, publicity or other property rights of any other person;
    (c) contain any viruses, adware, spyware, worms, or other malicious code; or (d) violate any applicable law or regulation.
• User Content Disclaimer. We are under no obligation to edit or control User Content that you and other users post or publish, and will not be in any way responsible or liable for User Content. You understand that when using the Service you will be exposed to User Content from a variety of sources and acknowledge that User Content may be inaccurate, offensive, indecent or objectionable. You agree to waive, and hereby do waive, any legal or equitable rights or remedies you have or may have against Isbel™ with respect thereto. We expressly disclaim any and all liability in connection with User Content. If notified by a user or content owner that User Content allegedly does not conform to the Terms, we may investigate the allegation and determine in our sole discretion whether to remove the User Content, which we reserve the right to do at any time and without notice. For clarity, I Isbel™ does not permit copyright infringing activities on the Service.

• DMCA Notification. We comply with the provisions of the Digital Millennium Copyright Act applicable to Internet service providers (17 U.S.C. §512, as amended). If you have any complaints or objections to material posted on the Service, you may contact our Designated Agent at the following address:
  Isbel, Inc.
  156 2nd St.
  San Francisco, CA 94105
  E-mail: support@isbel.com
  Any notice alleging that materials hosted by or distributed through the Service infringe intellectual property rights must include the following information:
  • a. an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other right being infringed;
  • b. a description of the copyrighted work or other intellectual property that you claim has been infringed;
  • c. a description of the material that you claim is infringing and where it is located on the Service;
  • d. your address, telephone number, and email address;
  • e. a statement by you that you have a good faith belief that the use of the materials on the Service of which you are complaining is not authorized by the copyright owner, its agent, or the law; and
  • f. a statement by you that the above information in your notice is accurate and that, under penalty of perjury, you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner's behalf.

• rent, lease, loan, sell, resell, sublicense, distribute or otherwise transfer the licenses granted herein or any Materials (as defined in Section 11 below);
• post, upload, or distribute any defamatory, libelous, or inaccurate User Content or other content;
• publish the private information of any third party without the consent of that third party;
• post, upload, or distribute any User Content or other content that is unlawful or that a reasonable person could deem to be objectionable, profane, offensive, indecent, pornographic, harassing, threatening, embarrassing, distressing, vulgar, hateful, racially or ethnically offensive, disrespectful to the Isbel community or otherwise inappropriate;
• impersonate any person or entity, falsely claim an affiliation with any person or entity, or access the Service accounts of others without permission, forge another person's digital signature, misrepresent the source, identity, or content of information transmitted via the Service, or perform any other similar fraudulent activity;
• delete the copyright or other proprietary rights on the Service or any User Content;
• make unsolicited offers, advertisements, proposals, or send junk mail or spam to other users of the Service. This includes, but is not limited to, unsolicited advertising, promotional materials, or other solicitation material, bulk mailing of commercial advertising, chain mail, informational announcements, charity requests, and petitions for signatures;
• use the Service for any illegal purpose, or in violation of any local, state, national, or international law, including, without limitation, laws governing intellectual property and other proprietary rights, and data protection and privacy;
• defame, harass, abuse, threaten or defraud users of the Service, or collect, or attempt to collect, personal information about users or third parties without their consent,
• remove, circumvent, disable, damage or otherwise interfere with security-related features of the Service or User Content, features that prevent or restrict use or copying of any content accessible through the Service, or features that enforce limitations on the use of the Service or User Content;
• reverse engineer, decompile, disassemble or otherwise attempt to discover the source code of the Service or any part thereof (including any App), except and only to the extent that such activity is expressly permitted by applicable law notwithstanding this limitation;
• modify, adapt, translate or create derivative works based upon the Service or any part thereof, except and only to the extent the foregoing restriction is expressly prohibited by applicable law; or
• intentionally interfere with or damage operation of the Service or any user's enjoyment of it, by any means, including uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code.

The Service is provided "as is" and on an "as available" basis, without warranty or condition of any kind, either expressed or implied. The Isbel™ entities specifically (but without limitation) disclaim (i) any implied warranties or merchantability, fitness for a particular purpose, quiet enjoyment or non-infringement; (ii) any warranties arising out of course-of-dealing, usage, or trade; (iii) any warranties that the information or results provided in, or that may be obtained from use of, the Service will meet your requirements or be accurate, reliable, complete, or up-to-date; and (iv) any warranties whatsoever regarding any products, services, information or other material advertised, made available, or referred to you through the service. You assume all risk for all damages, including damage to your computer system, mobile device or loss of data that may result from your use of or access to the Service. Any content, materials, information or software downloaded, used or otherwise obtained through the use of the Service is done at your own discretion and risk.

Some jurisdictions do not allow the exclusion of certain warranties in some circumstances. Accordingly, some of the above limitations may not apply to you.

To the maximum extent permitted by applicable law, neither the Isbel™ entities nor any other party involved in creating, producing, operating or delivering the service will be liable for any incidental, special, consequential or punitive damages, whether based on warranty, contract, tort (including negligence), statute or any other legal theory, whether or not the Isbel™ entities have been informed of the possibility of such damage where such damages result from your access to or use of, or inability to access or use, the Service. You specifically acknowledge that the Isbel™ entities have been informed of the possibility of such damage where such damages result from your access to or use of, or inability to access or use, the Service. You specifically acknowledge that the Isbel™ entities are not liable for the defamatory, offensive or illegal conduct of other users or third parties and that the risk of injury from the foregoing rests entirely with you. Further, the Isbel™ entities will have no liability to you or to any third party for any third-party content uploaded onto or downloaded from the site or through the Service.

You agree that the aggregate liability of the Isbel™ entities to you for any and all claims arising from or related to the use of the Service is limited to the greater of (i) the amounts you have paid to Isbel™ for access to and use of the Service giving rise to such liability in the twelve (12) months prior to the claim or (ii) $100. The limitations of damages set forth above are fundamental elements of the basis of the bargain between Isbel™ and you.

Some jurisdictions do not allow the limitation or exclusion of liability in certain circumstances. Accordingly, some of the above limitations may not apply to you.

• Generally. In the interest of resolving disputes between you and Isbel™ in the most expedient and cost effective manner, you and Isbel™ agree that any and all disputes arising in connection with these Terms of the Service shall be resolved by binding arbitration. Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, may allow for more limited discovery than in court, and can be subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. Our agreement to arbitrate disputes includes, but is not limited to all claims arising out of or relating to any aspect of these Terms, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory, and regardless of whether the claims arise during or after the termination of these Terms. You understand and agree that, by entering into these Terms, you and Isbel™ are each waiving the right to a trial by jury or to participate in a class action.
• Exceptions. Notwithstanding subsection (15.1, we both agree that nothing herein shall be deemed to waive, preclude, or otherwise limit either of our right to
  (i) bring an individual action in small claims court,
  (ii) pursue enforcement actions through applicable federal, state, or local agencies where such actions are available,
  (iii) seek injunctive relief in a court of law, or
  (iv) to file suit in a court of law to address intellectual property infringement claims.
• Arbitrator. Any arbitration between you and Isbel™ will be governed by the Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer Related Disputes (collectively, "AAA Rules") of the American Arbitration Association ("AAA"), as modified by these Terms, and will be administered by the AAA. The AAA Rules and filing forms are available online at www.adr.org, by calling the AAA at 1-800-778-7879, or by contacting Isbel™.
• Notice; Process. A party who intends to seek arbitration must first send a written notice of the dispute to the other, by certified mail, Federal Express (signature required), or in the event that we do not have a physical address on file for you, we may send notice to you by electronic mail ("Notice"). Isbel™ 's address for Notice is: [Isbel™ , INC., 156 2nd St, San Francisco, CA, 94105]. The Notice must (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought ("Demand"). We agree to use good faith efforts to resolve the claim directly, but if we do not reach an agreement to do so within 30 days after the Notice is received, you or Isbel™ may commence an arbitration proceeding. During the arbitration, the amount of any settlement offer made by you or Isbel™ shall not be disclosed to the arbitrator until after the arbitrator makes a final decision and award, if any; provided that if our dispute is finally resolved through arbitration in your favor, Isbel™ shall pay you the greater of (i) the amount awarded by the arbitrator, if any, and (ii) the greatest amount offered by Isbel™ in settlement of the dispute prior to the arbitrator's award.
• Fees In the event that you commence arbitration in accordance with these Terms, Isbel™ will reimburse you for your payment of the filing fee, unless your claim is for greater than $10,000, in which case the payment of any fees shall be decided by the AAA Rules. Any arbitration hearings will take place at a location to be agreed upon in San Francisco, California, provided that if the claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a non-appearance based telephonic hearing, or by an in-person hearing as established by the AAA Rules. If the arbitrator finds that either the substance of your claim or the relief sought in the Demand is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all fees will be governed by the AAA Rules. In such case, you agree to reimburse Isbel™ for all monies previously disbursed by it that are otherwise your obligation to pay under the AAA Rules. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees or expenses at any time during the proceeding and upon request from either party made within 14 days of the arbitrator's ruling on the merits.
• 15.6 No class actions. You and Isbel™ agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purposed class or representative proceeding. Further, unless both you and Isbel™ agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding.
• Modifications. In the event that Isbel™ makes any future change to this arbitration provision (other than a change to the Isbel™'s address for Notice), you may reject any such change by sending us written notice within 30 days of the change to Isbel™'s address for Notice, in which case your account with Isbel™ shall be immediately terminated and this arbitration provision, as in effect immediately prior to the amendments you reject shall survive.
• Enforceability. If only Subsection 15.6 is found to be unenforceable or the entirety of this Section 15 is found to be unenforceable, then the entirety of this Section 15 shall be null and void and, in such case, the parties agree that the exclusive jurisdiction and venue described in Section 16 shall govern any action arising out of or related to these Terms.