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Terms of Usage

LEGAL DISCLOSURES

PLEASE CAREFULLY REVIEW THESE TERMS OF USE BEFORE USING THIS SITE.

USER AGREEMENT

This Terms of Use Agreement (the “Agreement”) sets forth the terms and conditions for your use of this web site (the “Site”). The
Site is owned and operated by Karma Snack LLC. (“Karma Snack LLC” or “We”). By using the Site, you agree to be bound by this Agreement. If you do not
agree to be legally bound by this Agreement, you should exit this Site immediately.

We reserve the right to amend this Agreement at any time and will notify you of any such changes by posting the revised Agreement
on the Site. You should check this Agreement periodically for changes. All changes shall be effective upon posting. Your continued use of the Site
after any changed to this Agreement constitutes your agreement to be bound by any such changes. Karma Snack LLC may terminate, suspend, change, or
restrict access to all or any part of this Site without notice or liability.

RESTRICTIONS ON THE USE OF SITE CONTENT

The text, data, articles, photos, images and other information (collectively, “Content”) on this site is owned by Karma Snack LLC or
its Content providers and is protected by U.S. and International copyright laws and treaties. You acknowledge that the Content is and shall remain
the property of Karma Snack LLC. You may not copy, modify, transmit, participate in the sale or transfer of, or create derivative works based on any
Content, in whole or in part. The use of the Content on any other Site, including by linking or framing, or in any networked computer environment
for any purpose is prohibited without Karma Snack LLC’s prior written approval.

TRADEMARKS

Karma Snack LLC (including the Karma Snack LLC logo), Karma Snack LLC.com, a2zbigloans.com, Carribean-Loans.com, and all
related logos (collectively the “The Karma Snack LLC Trademarks”) are trademarks or service marks of Karma Snack LLC. Other company, product,
and service names and logos used and displayed on this Site may be trademarks or service marks owned by Karma Snack LLC or others. Nothing on this
Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the Karma Snack LLC trademarks
displayed on this Site, without our prior written permission in each instance. We prohibit use of any of the Karma Snack LLC trademarks as part
of a link to or from any site unless establishment of such a link is approved in advance by us in writing.

COPYRIGHT COMPLAINTS

If you believe, in good faith, that any materials on the Site infringe your copyrights, notifications of claimed copyright infringement
should be sent, in accordance with Title 17, United States Code, Section 512(c)(2) (under the “Digital Millennium Copyright Act”) to Karma Snack LLC’s
designated agent. Notification should include:

  • an electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
  • a description of the copyrighted work that you claim has been infringed;
  • a description of where the material you claim is infringing is located on the Site;
  • a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent or the law; and
  • a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner
    or duly authorized to act on the copyright owner’s behalf.

NO WARRANTY

NONE OF Karma Snack LLC, ANY OF ITS AFFILIATES, PROVIDERS OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS,
AGENTS OR INDEPENDENT CONTRACTORS (COLLECTIVELY THE “Karma Snack LLC PARTIES”) GUARANTEES THE ACCURACY, ADEQUACY, COMPLETENESS, OR USEFULNESS OF
ANY OF THE CONTENT AND Karma Snack LLC DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE CONTENT. THIS SITE AND ALL OF THE CONTENT IS PROVIDED “AS IS”
AND “AS AVAILABLE”, WITHOUT ANY WARRANTY, EITHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR
PURPOSE, NON-INFRINGEMENT OR TITLE. ADDITIONALLY, THERE ARE NO WARRANTIES AS TO THE RESULTS OF YOUR USE OF THE CONTENT. Karma Snack LLC PARTIES DO NOT
WARRANT THAT THE SITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THIS WEB SITE COULD INCLUDE TECHNICAL INACCURACITE OR TYOPOGRAPHICAL ERRORS.

LIMITATION OF LIABILITY

UNDER NO CIRCUMSTANCES WILL Karma Snack LLC PARTIES BE LIABLE FOR ANY DAMAGES INCLUDING GENERAL, SPECIAL, DIRECT, INDIRECT, INCIDENTAL,
CONSEQUENTIAL PUNITIVE OR ANY OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR BUSINESS INTERRUPTION) OF ANY KIND WHETHER IN AN ACTION IN
CONTRACT OR NEGLIGENCE ARISING OR RELATING IN ANY WAY TO YOUR USE, OR INABILITY TO USE, THE CONTENT, THE SITE OR ANY THIRD PARTY SITE TO WHICH THIS SITE
IS LINKED. Karma Snack LLC IS NOT LIABLE FOR ANY DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF ANY USER. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THIS
SITE IS TO STOP USING THE SITE. IF THE FOREGOING LIMITATION IS FOUND TO BE INVALID, YOU AGREE THAT Karma Snack LLC PARTIES’ TOTAL LIABILITY FOR ALL
DAMAGES, LOSSES, OR CAUSES OF ACTION OF ANY KIND OR NATURE SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW.

MONITORING OF THE SITE

Karma Snack LLC has no obligation to monitor the Site; however, you acknowledge and agree that Karma Snack LLC has the right to
monitor the Site electronically from time to time and to disclose any information as necessary or appropriate to satisfy any law, regulation or other
governmental request, to operate the Site, or to protect itself or other users of the Site.

SUBMISSIONS TO THE SITE

All remarks, discussions, ideas, graphics or other submissions communicated to Karma Snack LLC through this Site (collectively,
“Submissions”) will be deemed and remain the property of Karma Snack LLC, and Karma Snack LLC is entitled to use any Submission for any purpose,
without restriction or compensation to the individual who has provided the Submission. Nothing herein contained shall be construed as limiting
Karma Snack LLC’s responsibilities and obligations under its Privacy Policy.

INDEMNIFICATION

You agree to indemnify and hold harmless Karma Snack LLC Parties from and against any and all claims, losses, expenses, or demands or
liabilities, including attorneys’ fees and costs, incurred by the Karma Snack LLC. Parties in connection with any claim by a third party (including any
intellectual property claim) arising out of (i) materials and content you submit, post to or transmit through the Site, or (ii) your use of the Site in
violation of this Agreement or in violation of any applicable law. You further agree that you will cooperate as reasonably required in the defense of any
such claims. Karma Snack LLC Parties reserve the right, at their 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 such claim or matter without the written consent of Karma Snack LLC. You further
agree to indemnify and hold harmless Karma Snack LLC Parties from any claim arising from a third party’s use of information or materials of any kind
that you post in a Public Area.

LINKS TO THIRD PARTY SITES

THIS SITE MAY CONTAIN LINKS TO WEB SITES CONTROLLED, OWNED, AND OPERATED BY THIRD PARTIES (THE “THIRD PARTY SITES”). Karma Snack LLC
CANNOT CONTROL AND HAS NO RESPONSIBILITY FOR THE ACCURACY OR AVAILABILITY OF INFORMATION PROVIDED ON THE THIRD PARTY SITES. YOU ACKNOWLEDGE THAT USE OF ANY
THIRD PARTY SITES IS GOVERNED BY THE TERMS OF USE FOR THOSE WEBSITES, AND NOT BY THIS AGREEMENT. LINKS TO THIRD PARTY SITES DO NOT CONSTITUTE AN ENDORSEMENT
BY Karma Snack LLC OF SUCH SITES OR THE CONTENT, PRODUCTS, ADVERTISING OR OTHER MATERIALS PRESENTED ON SUCH SITES, BUT ARE FOR YOUR CONVENIENCE AND YOU
ACCESS THEM AT YOUR OWN RISK. WE ARE NOT RESPONSIBLE FOR THE CONTENT OF ANY THIRD PARTY WEB SITES, NOR DO WE MAKE ANY WARRANTIES OR REPRESENTATIONS, EXPRESS
OR IMPLIED, REGARDING THE CONTENT (OR THE ACCURACY OF SUCH CONTENT) ON ANY THIRD PARTY WEB SITES, AND Karma Snack LLC SHALL HAVE NO
LIABILITY OF ANY NATURE WHATSOEVERFOR ANY FAILURE OF PRODUCTS OR SERVICES OFFERED OR ADVERTISED AT SUCH SITES OR OTHERWISE.

FOREIGN LANGUAGE DISCLAIMER

Karma Snack LLC makes no representation that the products and services described on this site are available in all countries.

USE OF PERSONALLY IDENTIFIABLE INFORMATION

Karma Snack LLC’s practices and policies with respect to the collection and use of personally identifiable information is governed according
to the Karma Snack LLC’s Privacy Policy.

USER CONDUCT

You agree to use the Content and Site only for lawful purposes. You are prohibited from any use of the Content or Site that would constitute
an illegal offense, give rise to liability or otherwise violate any applicable local, state, national or international law or regulation.

Karma Snack LLC makes no claims concerning whether the Content may be downloaded or are appropriate for use outside of the United States.
If you access this Site from outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction.

TERMINATION

This Agreement is effective until terminated by Karma Snack LLC at any time without notice. Karma Snack LLC may suspend or terminate
your access and use of the Site at any time, with or without cause, in Karma Snack LLC’s absolute discretion and without notice. The following paragraphs
of this Agreement shall survive termination of your use or access to the Site: paragraphs concerning Indemnification, Disclaimer of Warranties, Limitations
of Liability, applicable law and dispute resolution, and any other provision that by its terms survives termination of your use or access to the Site.

GENERAL PROVISIONS

Failure by Karma Snack LLC to enforce any provision(s) of this Agreement shall not be as a waiver thereof. THIS AGREEMENT AND ALL OTHER
ASPECTS OF YOUR USE OF THE SITE SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF FLORIDA, WITHOUT REGARD TO ITS CONFLICT OF
LAWS RULES. All claims and disputes arising out of this Agreement, and applicable federal law or your use of the Site, other than actions for specific
performance or injunctive relief brought by Karma Snack LLC, shall be exclusively brought in the federal, state, or local courts located in Florida,
and, with regard to such claims and disputes, you hereby irrevocably (i) submit to the exercise of personal jurisdiction over you by those courts and (ii)
waive any jurisdictional, venue, or inconvenient forum objections to such courts. Any cause of action you may have with respect to the Content, Site or this
Agreement must be commenced within one (1) year after the claim or cause of action arose, or be barred. If any provision of this Agreement is found to be
invalid or unenforceable, the remaining provisions shall be enforced to the fullest extent possible, and the remaining provisions of the Agreement shall
remain in full force and effect. This Agreement will be binding on, inure to the benefit of, and be enforceable against the parties and their respective
successors and assigns. Neither the course of conduct between parties nor trade practice shall act to modify any provision of the Agreement. All rights not
expressly granted herein are hereby reserved.

CONTACT US

If you have questions regarding the Agreement or the practices of Karma Snack LLC, please contact us.

This Terms of Usage was last updated on June 5, 2012.

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