This website, including any sub-site accessible through the homepage (the "Site"), is published and maintained by subsidiaries, affiliates, and/or related entities of Prepaid World Index. Please note that when you enter any sub-site accessible through this homepage or the shopping page, such sub-site may have its own terms and conditions of use which are specific to such sub-site. When you access, browse, or use this Site you accept, without limitation or qualification, the terms and conditions set forth below and any additional terms and conditions of use set forth in any sub-site.

Right to Use the Site and Its Contents

This Site is only for your personal use. You may not distribute, exchange, modify, sell, or transmit anything you copy from this Site, including but not limited to any text, graphics, card images, and poster images, for any business, commercial, or public purpose. As long as you comply with the terms of these Terms and Conditions of Use, Prepaid World Index grants you a non-exclusive, non-transferable, limited right to enter, display, and use this Site. You agree not to interrupt or attempt to interrupt the operation of this Site in any way.

Ownership

All materials on this Site, including but not limited to rates, card images, poster images, software, and text (the "Content"), are protected by copyright under U.S. copyright law, international conventions, and other copyright laws. You cannot use the Content, except as specified herein. You agree to follow all instructions on this Site limiting the way you may use the Content. There are a number of proprietary logos, service marks, trademarks, domain names, and product names found on this Site. By making them available on this Site, Prepaid World Index is not granting you any license to utilize those proprietary logos, service marks, trademarks, domain names, or product names. Any unauthorized use of the Content may violate copyright laws, trademark laws, the laws of privacy and publicity, and civil and criminal statutes. You may download one (1) copy only of the Content to be used only by you for your personal use at home, unless the sub-site you are accessing states that you may not. If you download any Content from this Site, you may not remove any copyright or trademark notices or other notices that go with it.

Rules for Chat rooms, Message Boards, and Other User-Supplied Material

 This website may have an area which allows you to "chat" or upload and download materials. When using any of these areas, you agree not to post, send, transmit, upload, or otherwise publish through this Site, any materials that (1) interfere with anyone else's use of the Site; (2) are abusive, illegal, indecent, obscene, offensive, or threatening in any way; (3) encourage anyone to break the law; (4) violate anyone's copyright or other property right; (5) interfere with the privacy of any other user; (6) contain a virus or any other harmful component; or (7) contain false or misleading statements of fact or descriptions of the origin of the material or the communication. You agree to comply with any additional terms which are referred to on this Site or any sub-site within the website.

Responsibility for User's Material

 You are prohibited from posting or transmitting any defamatory, libelous, obscene, pornographic, profane, threatening, or unlawful material or any material that could constitute or encourage conduct that would be considered a criminal offense or give rise to civil liability, or otherwise violate any law. Although Prepaid World Index may from time to time monitor or review bulletin boards, chat rooms, discussions, postings, transmissions, and the like on the Site, Prepaid World Index is under no obligation to do so and assumes no liability or responsibility arising from the contents of any such communications or for any defamation, error, inaccuracy, libel, obscenity, or profanity contained in any such communication. Prepaid World Index may change, edit, or remove any user material or conversations that are illegal, indecent, obscene, or offensive, or that violate Prepaid World Index's policies in any way. Prepaid World Index will fully cooperate with any law enforcement authorities or court order requesting or directing Prepaid World Index to disclose the identity of anyone posting such materials.

Products Rating

Any individual is welcome to post or write any comments regarding a product’s quality, accuracy, or any materials that have to do with the product itself. Prepaid World Index is not responsible for any effect or damages cause by an individual experience or testimonial in using the chat rooms from content post or write by the users of chat rooms. Any comment posted in the chat rooms, Prepaid World Index will fully corporate with any law enforcement authorities or court order requesting or directing Prepaid World Index to disclose the identity of anyone posting such materials.

Prepaid World Index’s Rights to User's Material

If you send any communications or materials to the Site by electronic mail or otherwise, including any comments, data, questions, suggestions, or the like, all such communications are, and will be treated as, non-confidential and non-proprietary. Thus, you give up any claim that any use of such material violates any of your rights including moral rights, privacy rights, proprietary or other property rights, publicity rights, rights to credit for material or ideas, or any other right, including the right to approve the way Prepaid World Index uses such material. Any material submitted to this Site may be adapted, broadcast, changed, copied, disclosed, licensed, performed, posted, published, sold, transmitted, or used by Prepaid World Index anywhere in the world, in any medium, forever. Furthermore, Prepaid World Index is free to use, without any compensation to you, any concepts, ideas, know-how, or techniques contained in any communication you send to the Site for any purpose whatsoever, including but not limited to developing, manufacturing, and marketing products using such information. However, you agree and understand that Prepaid World Index is not obligated to use any such ideas or materials, and you have no rights to compel such use.

Transmitted Material

Internet transmissions are never completely private or secure. You understand that any message or information you send to this Site may be read or intercepted by others, unless there is a special notice that a particular message (for example, credit card information) is encrypted (sent in code). Sending a message to Prepaid World Index does not cause Prepaid World Index to have any special responsibility to you.

Links

This website may contain links to other Internet sites on the World Wide Web. Prepaid World Index provides such links for your convenience only, and is not responsible for the content of any website linked to or from this Site. Links from this Site to any other website do not mean that Prepaid World Index approves of, endorses, or recommends that website. Prepaid World Index disclaims all warranties, express or implied, as to the accuracy, legality, reliability, or validity of any content on any other website.

Content

Prepaid World Index will not be responsible for any inadvertently false information presented in the website such as;

Rates – Rates are entered into our database, based on poster advertisements, posted rates on manufacturer’s website, or rate tables & updates sent to or given to Prepaid World Index by the manufacturer, written or verbally. Prepaid World Index does not guarantee the accuracy of the information gathered by Prepaid World Index. Rates provided in the Prepaid World Index are assumed to be accurate unless changes have been made by manufactures without informing Prepaid World Index. Always consult the customer service of the product to confirm the most recent rates. Prepaid World Index will not be held liable by the end user and/or the manufacturer for inadvertently false rate information.

Poster - Posters are a reproduction by Prepaid World Index, either from our physical index of posters or by legally downloading it from the manufacturer’s web site. Prepaid World Index is not liable for any information on the poster and the reproduction quality of the poster itself. Manufacturer has the right to supply Prepaid World Index with the most recent, updated or higher quality version of any poster by emailing it to images@prepaidworldindex.com.

Cards – Card images are a reproduction by Prepaid World Index either from our physical card index or by legally downloading it from the manufacturer’s web site. Prepaid World Index is not liable for any information on the card and the reproduction quality of the card itself. Manufacturer has the right to supply Prepaid World Index with the most recent, updated or higher quality version of any card by emailing it to images@prepaidworldindex.com

Local Access Numbers – All numbers are assumed to be accurate at the time of data entry. Prepaid World Index will not be held liable for any inaccurate information or uninformed changes made by the manufacturer. Manufacturer has the right to inform or provide Prepaid World Index with the most recent and accurate information.

Watermark

All Material in the Prepaid World Index (card images and poster images) will have the watermark of “www.prepaidworldindex.com”. This watermark is to prevent, track, or prosecute any unlawful or wrongful use of the content presented by Prepaid World Index. Prepaid World Index will not be held liable for displaying any materials for the purpose of promoting the directory for manufacturers, distributors, sellers, and end users. All images are obtained through legal methods and are either provided by the manufacturer as promotional materials for use in promoting the products or legally downloaded directly from the manufacturer’s website.

Rules for Kids (Under Age 16)

If you are under 16, you should ask your parents or a guardian before you:

• E-mail the Site, or ask us to e-mail anything to you
• Send in any information
• Enter any contest or game that requires information about you or offers a prize • Join any club or group
• Post any information on any bulletin board or enter any chat room or
• Buy anything online Availability of Products and Services

The products and services displayed on the Site may not be available for purchase in your particular country or locality. The reference to such products and services on the Site does not imply or warrant that these products or services will be available at any time in your particular location. Some of the products displayed might not be available to be purchase or could be discontinued.

Prepaid World Index's Right to Change These Terms and Conditions of Use or Content on the Site

Prepaid World Index may add to, change, or remove any part of these Terms and Conditions of Use at any time, without notice. Any changes to these Terms and Conditions of Use or any terms posted on this Site apply as soon as they are posted. By continuing to use this Site after any changes are posted, you are indicating your acceptance of those changes. Prepaid World Index may add, change, discontinue, remove, or suspend any other Content posted on this Site, including features and specifications of products described or depicted on the Site, temporarily or permanently, at any time, without notice and without liability.

Indemnification

You agree to indemnify, defend, and hold Prepaid World Index and all of its agents, directors, employees, information providers, licensors and licensees, officers, and parent (collectively, "Indemnified Parties"), harmless from and against any and all liability and costs (including, without limitation, attorneys' fees and costs), incurred by the Indemnified Parties in connection with any claim arising out of any breach by you of these Terms and Conditions of Use or the foregoing representations, warranties, and covenants. You will cooperate as fully as reasonably required in Prepaid World Index's defense of any claim. Prepaid World Index 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 Prepaid World Index.

Disclaimer of Warranties and Damages; Limitation of Liability

YOUR USE OF THIS SITE IS AT YOUR OWN RISK. THIS SITE (INCLUDING ALL CONTENT AND FUNCTIONS MADE AVAILABLE ON OR ACCESSED THROUGH THIS SITE) IS PROVIDED "AS IS." TO THE FULLEST EXTENT PERMISSIBLE BY LAW, WITH REGARD TO THE CONTENT ON THIS SITE, PREPAID WORLD INDEX MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER (1) FOR THE ACCURACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF ANY CONTENT PUBLISHED ON OR AVAILABLE THROUGH THE SITE; (2) THAT THE SERVER THAT MAKES THIS SITE AVAILABLE IS FREE OF VIRUSES OR OTHER COMPONENTS THAT MAY INFECT, HARM, OR CAUSE DAMAGE TO YOUR COMPUTER EQUIPMENT OR ANY OTHER PROPERTY WHEN YOU ACCESS, BROWSE, DOWNLOAD FROM, OR OTHERWISE USE THE SITE. UNDER NO CIRCUMSTANCES, INCLUDING BUT NOT LIMITED TO PREPAID WORLD INDEX'S NEGLIGENCE, SHALL PREPAID WORLD INDEX BE LIABLE FOR ANY CONSEQUENTIAL, DIRECT, INCIDENTAL, INDIRECT, PUNITIVE, OR SPECIAL DAMAGES RELATED TO (A) THE USE OF, (B) THE INABILITY TO USE, OR (C) ERRORS OR OMISSIONS IN THE CONTENTS AND FUNCTIONS OF THIS SITE, EVEN IF PREPAID WORLD INDEX OR AN AUTHORIZED REPRESENTATIVE THEREOF HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT SHALL PREPAID WORLD INDEX'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT OR TORT, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE OR OTHERWISE) EXCEED $100.00.

General Provisions

These Terms and Conditions of Use and any additional terms posted on this Site together constitute the entire agreement between Prepaid World Index and you with respect to your use of this Site. Any cause of action you may have with respect to your use of this 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 these Terms and Conditions of Use, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of this agreement, and the remainder of these Terms and Conditions of Use shall continue in full force and effect. These Terms and Conditions of Use shall be governed by and construed in accordance with the laws of the State of Oklahoma, United States of America, without reference to its conflicts of law rules.

Online Privacy Policy

Privacy

At Prepaid World Index we believe that, as our online visitor, you have a right to know our practices regarding the information we collect when you visit our websites, and what type of information is collected. The guidelines contained herein only apply to your visits to www.prepaidworldindex.com, which is operated by Prepaid World Index ("PINDEX"). This includes web pages on www.prepaidworldindex.com that contain "prepaidworldindex.com" in their URLs, but does not include any redirect URLs that link the user to another internet domain. Other websites which are linked to/from www.prepaidworldindex.com (including other Prepaid World Index affiliates, other PINDEX websites, and via banner ads) may have different policies; therefore, please review the privacy policy notices on those websites for details.

While PINDEX does not generally require that you provide us with personally identifiable information in order to visit and use the PINDEX websites, please note that in order to participate in some activities, it will be necessary for you to provide this information. If you choose not to provide it for those activities, you may not be able to participate in them.

Collection of Information: Cookies; Personal

For each visitor to a PINDEX website, PINDEX's web server automatically recognizes and stores information, such as the visitor's IP address/domain name combination and any referring websites. We use this information to understand visitor traffic patterns through our websites for purposes such as enhancing their usability. Your computer provides this information automatically each time you log on, unless you've activated blocking technology available in some browsers.

When you visit PINDEX's websites or advertisements appearing thereon, or use one or more of the PINDEX website services, we may use an industry-wide technology called "cookies" which stores certain information on your computer and which will allow us to customize your experience to better match your interests and preferences, or to simply facilitate your signing in to use the services. Most browsers will allow you to erase cookies from your computer hard drive, block acceptance of cookies, or receive a warning before a cookie is stored. However, if you block or erase cookies, we may not be able to restore any preferences or customization settings you previously specified, and our ability to personalize your online experience would be limited. Please refer to your browser instructions or "help" screen to learn more about these functions.

Also, PINDEX, or third parties on its behalf, may collect anonymous information from visits to our sites through the use of "Web Beacons." Web Beacons are electronic Web Page images that enable us to record anonymous data about visits to our web site. This anonymous information is sometimes known as "clickstream data." We may use this data to analyze trends and statistics to improve your online experience, or customer service. No personal data is collected through the use of Web Beacons on our sites.

Additionally, PINDEX may ask you to provide "personal information," meaning individually identifiable information such as your e-mail address, name, mailing address, telephone number, social security number, credit card number, or persistent identifier (such as a customer number held in a cookie) which is associated with individually identifiable information, to enable you to participate in contests, chat rooms, on bulletin boards, to fill out a registration, or to order products and services using these websites. PINDEX may combine the information you provide on our websites with other information we may collect from you offline or from third parties so that we can more effectively tailor our website, services, and offerings to you. If you provide PINDEX with personal information, you shall have the right, on reasonable prior notice, to inspect, change, amend, or delete such information. Instructions on how to update personal information will be given at the point of data collection. Unless you instruct us otherwise, PINDEX may contact you to provide information about products, services, promotions, contests, or other activities or offerings that may be of interest to you. You can instruct us whether or not you wish to be contacted by checking or removing the check from the box indicating your preference as applicable at the place where your information is collected, or by other means (such as an e-mail request). In addition, with each communication you receive from PINDEX, you will be given the opportunity to indicate if you do not wish to receive future communications. Unless it is for the purposes you have requested or originally agreed, PINDEX will not share the personal information you provide on the PINDEX websites with any other parties, except (a) with your consent; (b) as may be required by law or court order; (c) to persons or companies with whom PINDEX contracts to carry out the internal operations of the website or our business; or (d) under exigent circumstances to protect the personal safety or property of our users, the public, or ourselves. Additionally and with your consent, PINDEX may share your personal information with other affiliated PINDEX companies -- i.e., (i) Prepaid World Index, (ii) any company of which more than 50% of its outstanding shares are owned by Prepaid World Index, directly or indirectly, or (iii) any company with the name " Prepaid World Index " as a part of its trade name -- who may want to contact you about products, services, or other offerings that may be of interest to you. Further, only with your consent, PINDEX may share your personal information with specific third parties outside of the Prepaid World Index group of companies who may want to contact you about products, services, or other offerings that may be of interest to you. Please consult the respective privacy policies of each of these companies for further clarification as to their own privacy policy. PINDEX will seek to obtain your consent at the place where the information is collected either by an "opt-out" or "opt-in" method, or by other means (such as an e-mail request). If you consent to receiving communications from any of these affiliated Prepaid World Index companies, or third parties, you will need to communicate with them directly if you later decide that you no longer wish to receive their communications. Until we advise you, except as indicated above for the initial decision made with your consent to share your personal information with PINDEX affiliates and/or specific third parties outside of the Prepaid World Index group of companies, changes or amendments to your personal information must be given both to Prepaid World Index and to each such Prepaid World Index affiliate or other company directly, as these changes, amendments, and/or deletions will not be exchanged among Prepaid World Index and other Prepaid World Index affiliates or third parties.

Use and Disclosure of Anonymous Aggregated Information

PINDEX may also collect, aggregate, and maintain anonymous information about the visitors to our websites, such as visitors' hobbies, interests, purchasing habits, music preferences, and the like. This data can then be used to tailor PINDEX's website content and advertising to deliver a better experience for our visitors. In addition, PINDEX may also share such aggregate information about our visitors with advertisers, business partners, sponsors, and other third parties; for example, to inform them about the percentage of male/female visitors or percentage of visitors within a particular age range.

Security

While PINDEX cannot guarantee that unauthorized access will never occur; rest assured that PINDEX takes great care in maintaining the security of your personal information and in preventing unauthorized access to it through the use of appropriate technology and internal procedures.

Consent to Processing

By providing any personal information to the PINDEX websites, all users, including without limitation users in the member states of the European Union, fully understand and unambiguously consent to the collection and processing of such information in the United States of America.

Policy Governs Use; Changes to Privacy Policy

The terms of this policy will govern the use and any information collected while it is in place. PINDEX reserves the right to change this policy at any time, so please re-visit this page as often as you wish. In case of any material change, we will make a notation near the "Privacy Policy" link on the home page of our Site. Changes to this privacy policy are effective at the time they are posted to this Site, and your continued use of this Site after posting will constitute acceptance of, and agreement to be bound by, those changes.

Questions

If you have any questions or comments about our personal information practices or about this privacy statement, please feel free to send us an e-mail at support@prepaidworldindex.com.