Please read the following terms and conditions ("Terms and Conditions") carefully before using this Web site ("Site"). By accessing or using this Site, you agree to the following Terms and Conditions which shall constitute a legally binding agreement between you and Women of Faith, Inc. ("Women of Faith", “we,” “our,” or “us”) You should review these terms and conditions regularly as they may change at any time at our sole discretion. This Site is offered and made available only to users 13 years of age or older.  If you are not yet 13 years old, discontinue using the Site immediately. If you do not agree to any term or condition, you should not access or otherwise use this Site.

1. We Provide Our Web Site For Your Convenience Only

Our Site is provided to you without charge as a convenience and for your information only. By merely providing access to our Site content, we do not warrant or represent that:

We do not assume any liability for these matters. In other words, you use our Site at your own risk.

2.   We Provide Our Web Site "As Is" and Disclaim All Warranties

Our Site, including all content, software and functions made available on or accessed through our Site, is provided "as is, where is" and "as available". To the fullest extent permissible by law, neither we nor any affiliated and/or related entities make any representations or warranties of any kind as to the content, software or functions accessed through our Site, for any products or services or links to third parties or for any breach of security associated with the transmission of sensitive information through our Site or any linked site. WOMEN OF FAITH AND ITS AFFILIATED AND RELATED ENTITIES DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, NON-INFRINGEMENT, QUIET ENJOYMENT, QUALITY OF INFORMATION, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THIS INCLUDES LOSS OF DATA OR PROFIT ARISING OUT OF THE USE OR THE INABILITY TO USE THE CONTENT OF THIS WEB SITE. WE DO NOT WARRANT THAT ANY CONTENT OR INFORMATION ACCESSED THROUGH OUR SITE WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT OUR SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. IN NO EVENT SHALL WOMEN OF FAITH OR ITS AFFILIATED AND RELATED ENTITIES OR  ANY OF THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, SPONSORS OR SERVICE PROVIDERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM OR DIRECTLY OR INDIRECTLY RELATED TO THE USE OF, OR THE INABILITY TO USE, THIS SITE, EVEN IF WOMEN OF FAITH OR ITS AFFILIATED AND RELATED ENTITIES OR THEIR RESPECTIVE REPRESENTATIVES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES. IN SUCH JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

3.  Submissions

Any material (e.g., postings to chat, message boards, or contests) or unsolicited creative suggestions, ideas, notes, drawings, concepts, or other information sent to us (collectively, the “Submissions”). The Submissions shall be deemed our sole and exclusive property and we shall be under no obligation of confidentiality nor shall we be liable for any use or disclosure of any Submissions.  Without limitation of the foregoing, we shall exclusively own all rights to the Submissions of every kind whether now existing or coming into existence in the future throughout the universe and shall be entitled to unrestricted use of the Submissions for any purpose whatsoever, without compensation to the provider of the Submissions or any other person or entity.

Contests, Sweepstakes, Promotions, Etc.

From time to time, we may sometimes conduct promotions on or though the Site, including, without limitation, contests and sweepstakes (“Promotions”)  Each Promotion may have additional terms and/or rules which will be posted or otherwise made available to you and, for purposes of each such Promotion will be deemed incorporated into and form a part of this Agreement.  Additionally, we may also offer contests or special events that are sponsored by or co-branded with identified third parties.  You must review the specific official rules or additional terms for any such contests or special events.

4.   Shopping

All goods and services offered for sale on the Site (“Products”) are guaranteed by the manufacturer, licensor or distributor against defects in material and workmanship for 30 days from the date of the invoice.  Should a problem arise within that time period, contact Customer Service {link here} and we will coordinate attempting to correct, repair or replace the defective Product, or, if applicable, obtaining a refund for you.  We have no responsibility or liability whatsoever for goods or services you may obtain through other Web sites or web pages, even if you are directed or linked to such a site or page through the site, nor are we responsible for assisting  you in correcting any problem you may experience with Products if you do not notify us within the 30 day period noted above or for any goods or services not obtained directly on the Site.  You agree that your sole and exclusive remedy and our sole, exclusive and maximum liability arising from or relating in any way to any Product shall be the amount you actually paid us for it.  EXCEPT AS SPECIFICALLY SET FORTH IN THIS AGREEMENT, WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY ARISING FROM OR RELATING IN ANY WAY TO ANY AND ALL PRODUCTS. EXCE0PT AS SPECIFICALLY MADE IN WRITING, WE EXPRESSLY DISCLAIM ALL REPRESENATIONS AND WARRANTIES OF ANY AND EVERY KIND, EXPERSS OR IMPLIED, WITH RESPECT TO ANY AND ALL PRODUCTS, INCLUDING BUT NOT LIMITED TO, ANY WARRANTY OR MERCHANTIABILITY OR OF FITNESS FOR A PARTICULAR PURPOSE.

Products may be purchased while supplies last.  If a Product is listed at an incorrect price or with incorrect information, we reserve the right to refuse or cancel orders placed for that Product, whether or not the order has been confirmed and even if your account has been charged (in which event, we will issue a credit to your account in the amount of the charge.)

5. Message Boards Forums.

In order to use the Women of Faith Message Board forums, users are required to provide a username, password and a VALID e-mail address. We are unable to accept certain email accounts due to system incompatibilities. Neither the Administrators of these forums, or the Moderators participating, are responsible for the privacy practices of any user. Remember that all information disclosed in these areas becomes public information and you should exercise caution when deciding to share any of your personal information. Any user who finds material posted by another user objectionable is encouraged to contact us via e-mail. We are authorized by you to remove or modify any data submitted by you to these forums for any reason we feel constitutes a violation of our policies, whether stated, implied or not.

This site may contain links to other web sites and files. We have no control over the content and can not ensure it will not be offensive or objectionable. We will, however, remove links to material that we feel is inappropriate as we become aware of them.

Cookies must be turned on in your browser to participate as a user in these forums. Cookies are used here to hold your username and password and viewing options, allowing you to log in.

Women of Faith Message Board users must be 13 years of age or over. You are fully responsible for any information or file supplied by this user. You also agree that you will not post any copyrighted material that is not owned by yourself or the owners of these forums. In your use of these forums, you agree that you will not post any information which is vulgar, harassing, hateful, threatening, invading of others privacy, sexually oriented, or violates any laws.
 
6. We Do Not Have Responsibility for Links to Third Party Content

We may provide hyperlinks or pointers to other Web sites maintained by third parties or may provide third party content on our Web site by framing or other methods. Links to third party Web sites are provided for your convenience and information only. The content in any linked Web sites is not under our control so we are not responsible for that content, including any further links in a third party site. If you decide to access any of the third party sites linked to our Web site, you do this entirely at your own risk. It is up to you to take precautions to ensure that the third party you link to for your use is free of computer viruses, worms, trojan horses and other items of a destructive nature.

7. If We Provide a Link, We Do Not Necessarily Endorse a Third Party

We reserve the right to terminate a link to a third party Web site at any time. The fact that we provide a link to a third party Web site does not mean that we endorse, adopt, authorize or sponsor that Web site. It also does not mean that we are affiliated with the third party Web site's owners or sponsors.

8. If a Third Party Links to Our Site, It is Not an Endorsement

If a third party links to our Site, it is not necessarily an indication of an endorsement, adoption, authorization, sponsorship, affiliation, joint venture or partnership by or with us. In most cases, we are not aware that a third party has linked to our Site.

A Web site that links to our Site:

9. If You Transmit or Provide Data to Us, It is Non-Confidential

We do not want to receive confidential or proprietary information from you through our Site. If you transmit to or post on our Site any material, data, information or idea by any means, it will be treated as non-confidential and non-proprietary and Women of Faith shall be free to reproduce, publish, or otherwise use such information for any purposes whatsoever including, without limitation, the research, development, manufacture, use or sale of products incorporating such information. The sender of any information to Women of Faith is fully responsible for its content, including its truthfulness, accuracy, and its non-infringement of any other person, organization, or entity's proprietary rights. Personal data provided to us will be handled in accordance with our Privacy Policy. Email addresses and other personally identifiable information are not available to us unless specifically provided.
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10. By Providing Content, We Do Not Allow You to Use Our Trademarks

The trademarks, service marks and logos used and displayed on our Site are our registered and unregistered trademarks. Nothing on this Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark, without our written permission. We aggressively enforce our intellectual property rights. The name "Women of Faith" or our logo may not be used in any way, including in advertising or publicity pertaining to distribution of materials on our Site, without prior written permission. You may not use any metatags or any other "hidden text" utilizing Women of Faith's name or trademarks without the prior express written consent of Women of Faith. You are not authorized to use our logo as a hyperlink to our Site unless you obtain our written permission in advance.

11. All Content on Our Web Site is Copyrighted

All content included on this Site, including any materials, documents, text, designs, graphics, logos, images, audio and video ("Content") is the property of Women of Faith or its affiliates and suppliers, and is protected by United States and international copyright laws. The compilation and "look and feel" of all Content on this Site is the exclusive property of Women of Faith and also protected by United States and international copyright laws. You may not inline, frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information of Women of Faith (including images, text, page layout or form) without our prior express written permission. 

12. We Are Not Providing Investment Advice Nor Soliciting Offers

Nothing in this Site constitutes investment advice, including our SEC filings. We provide investor relations materials for your convenience and information only. In addition, investor relations materials and our other Site content are not offers to sell or solicitations of an offer to buy any security.

All investors should know that there are "ups" and "downs" in every business and stock. There are no guarantees about the future performance of the stock market or our stock. Before you invest in any security, you can protect yourself by being an educated investor. If you are interested in our stock, we recommend that, at a minimum, you read our latest annual report and 10-K, 10-Q and 8-K reports to the SEC over the past year. Our recent proxy statements for shareholder meetings also contain important information. It is also advisable to learn more about us and our industry through a variety of public materials.

Our recent annual reports, 10-K and 10-Q reports and other materials are accessible through this Web site. Other materials we have filed with the SEC are available through its Web site at You can also visit the SEC at its Washington or various regional offices for the same information or hire a document retrieval service to obtain the filings for you.

13. You Should Not Rely on the Stock Price Information on Our Site

We may provide stock information regarding Women of Faith, Inc. on our Site. We do not warrant or guarantee the accuracy, completeness or timeliness of such stock information or financial data. You should always consult a stock broker or other authorized financial advisor or representative to establish actual stock prices before making any stock trades or other financial decisions. Women of Faith and its suppliers do not authorize the use of stock quote information for any purpose other than your personal use, and prohibit to the maximum extent allowable the resale, redistribution, and use of this information for commercial purposes. You should not rely on the stock price information for investment purposes. We are not liable for any loss or damages, whether direct, indirect, incidental, special, consequential or exemplary, that arise from reliance on information on the Corporate Financials pages.

14. Investors Should Not Unduly Rely on Any Forward-Looking Information

Our Site may contain information that includes or is based upon forward-looking statements within the meaning of the federal securities laws, specifically the Securities Litigation Reform Act of 1995. Forward-looking statements give our expectations or forecasts of future events. You can identify these statements by the fact that they do not relate strictly to historical or current facts. They typically use words such as "anticipate," "estimate," "expect," "project," "intend," "plan," "believe," and other similar words. Any or all of our forward-looking statements here or in other publications may turn out to be wrong.

Forward-looking statements can be affected by inaccurate assumptions or by known or unknown risks and uncertainties. Many such factors will be important in determining our actual future results. Consequently, no forward-looking statement can be guaranteed. Our actual results may vary materially, and there are no guarantees about the performance of our stock. Given these uncertainties, you should not place undue reliance on these forward-looking statements. You should see our SEC filings for more information on these and other factors besides those listed here that could also adversely affect us.

We do not undertake any obligation to publicly release any revisions to any forward-looking statements to reflect changes in events, circumstances or expectations or to reflect the occurrence of unanticipated events after the date on which such statement is made. New factors emerge from time to time, and it is not possible for management to predict all of such factors, nor can it assess the effect of each such factor on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those indicated by such forward-looking statements.

15. You Must Obey Local Laws in Accessing Our Site

This Site is controlled by us from our offices within the United States of America. We make no representation that content or materials on the Site are appropriate or available for use in other jurisdictions. Access to our Site content or materials from jurisdictions where such access is illegal is prohibited. If you choose to access this Site from other jurisdictions, you do so on your own initiative and are responsible for compliance with applicable local laws. We are not responsible for any violations of law. You may not use or export the materials on this Site in violation of U.S. export laws and regulations.

16. You are Bound by Changes in these Terms and Conditions

We may at any time revise these Terms and Conditions by updating this page. By using our Site, you agree to be bound by any such revisions and should therefore periodically visit this page to determine the then current terms and conditions to which you are bound. Certain provisions of these Terms and Conditions may be superseded by other legal notices or terms located on parts of our Site.

17. You Agree to Indemnify Us for Using Our Site

You hereby jointly and severally agree to indemnify, defend and hold us, any affiliated or related entity, and each of our respective officers, directors, owners, agents, employees, information providers, licensors and licensees (collectively, the "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 your use of our Site or any breach by you of these Terms and Conditions, or the purchase by you of securities, including any liabilities associated with a violation of federal or state securities laws. If the indemnity provided in this paragraph is not available or is insufficient to hold harmless the Indemnified Parties for any reason, you agree to contribute to the aggregate losses, claims and liabilities to which the Indemnified Parties may be subject in such proportion as appropriate to reflect the relative fault by you and the Indemnified Parties with respect to the activity giving rise to the indemnity claim. You will cooperate as fully as reasonably required in the defense of any claim. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you and you will not in any event settle any such matter without our written consent.

18. T hird Parties May Have Rights Under This Agreement

Some of the provisions of these Terms and Conditions are for the benefit of Women of Faith and its subsidiaries, affiliates, officers, directors, employees, agents, licensors and suppliers. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf.

19. How This Agreement May Be Terminated

These Terms and Conditions may be terminated by either party without notice at any time for any reason; provided that you may no longer use our Site after you have terminated this agreement. Provisions 2, 6, 7, 8, 12, 14, 15 and 17 of these Terms and Conditions shall survive any termination. [I will need to change these numbers (except #2) once the document is final so the #’s will reference the correct paragraphs]

20. Governing Law and Arbitration

Any legal issues arising from or related to your visit to the Site or services provided through the Site shall be construed in accordance with, and all questions with respect thereto shall be determined by, the laws of the State of Tennessee applicable to contracts entered into and wholly to be performed within that state. Any controversy or claim arising out of or relating to these Terms and Conditions and any use of the Site shall be settled by binding, confidential arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in Nashville, Tennessee, and judgment on the arbitration award may be entered into in any state or federal court in Tennessee having jurisdiction thereof. Any party seeking temporary or preliminary injunctive relief may do so in any state or federal court in Tennessee having jurisdiction thereof. Except as set forth above, the state and federal courts of Tennessee shall be the exclusive forum and venue to resolve disputes arising out of or relating to these Terms and Conditions or any use of merchandise sold through this Site. By using this Site, and thereby agreeing to these Terms and Conditions, users consent to personal jurisdiction and venue in the state and federal courts in Tennessee with respect to all such disputes.

Miscellaneous

Our failure to insist upon or enforce strict performance of any provision of these Terms and Conditions shall not be construed as a waiver of any provision or right. Neither the course of conduct between the parties nor trade practice shall act to modify any provision of these Terms and Conditions. We may change, suspend or discontinue any aspect of our Site or service at any time. Women of Faith reserves the right to change system configurations, product specifications, upgrades, pricing, layouts, options and any other specifications at any time without notice. We may also impose limits or restrictions on certain services, features or content or restrict your access to parts or all of our Site without notice or liability.

We welcome your questions and comments regarding these Terms and Conditions and anything else on this Site. Please email us at Webmaster@womenoffaith.com

These Terms and Conditions may be changed from time to time.  Last updated September 12, 2006.

© 2007 Women of Faith, Inc. – All Rights Reserved.