Terms of Service

1. Agreement Overview

Welcome to StanbinOnline. These Terms of Service ("Terms") constitute a legally binding agreement between you (whether an individual or entity) and StanbinOnline ("we," "our," or "us") governing your access to and use of our website, mobile applications, and services (collectively, the "Services").

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use our Services.

Our Services are intended for users who are at least 18 years old. By using our Services, you represent and warrant that you meet this requirement and have the legal capacity to enter into these Terms.

These Terms should be read in conjunction with our Privacy Policy, which explains how we collect, use, and protect your personal information.

2. User Accounts

2.1 Account Creation

To access certain features of our Services, you may need to create an account. When you create an account, you agree to provide accurate, current, and complete information about yourself. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

You agree to promptly notify us of any unauthorized use of your account or any other breach of security. We cannot and will not be liable for any loss or damage arising from your failure to maintain the security of your account.

2.2 Account Types

We offer different types of accounts, including individual and business accounts. The features, functionality, and pricing may vary depending on the type of account you choose. By selecting a specific account type, you acknowledge and agree to the specific terms and conditions applicable to that account type.

2.3 Account Security

You are responsible for:

• Keeping your account credentials secure and confidential
• Restricting access to your account and your devices
• Ensuring that you log out from your account at the end of each session
• Taking reasonable steps to prevent unauthorized access to your account

We recommend using strong, unique passwords and enabling multi-factor authentication when available. You should not share your account credentials with any third party.

2.4 Account Information

You agree to keep your account information up to date. This includes your contact information, billing information, and any other information necessary for the provision of our Services. Failure to maintain accurate information may result in your inability to access or use our Services.

3. Service Usage

3.1 Permitted Use

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, and revocable license to access and use our Services for your personal or internal business purposes. This license does not include the right to:

• Modify, reproduce, distribute, or create derivative works based on our Services or their content
• Use any data mining, robots, or similar data gathering and extraction methods
• Circumvent, disable, or otherwise interfere with security-related features of our Services
• Use our Services in any manner that could disable, overburden, damage, or impair them

3.2 Prohibited Activities

You agree not to use our Services:

• In any way that violates any applicable federal, state, local, or international law or regulation
• To engage in any conduct that restricts or inhibits anyone's use or enjoyment of our Services
• To impersonate or attempt to impersonate StanbinOnline, a StanbinOnline employee, another user, or any other person or entity
• To engage in any fraudulent activity or to provide false, inaccurate, or misleading information
• To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail," "chain letter," "spam," or any other similar solicitation
• To upload, transmit, or distribute any computer viruses, worms, or any software intended to damage or alter a computer system or data
• To harvest or collect email addresses or other contact information of other users from our Services

3.3 Service Availability

We strive to ensure that our Services are available 24/7. However, we do not guarantee that our Services will be available at all times. We may experience hardware, software, or other problems, or need to perform maintenance related to our Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify our Services at any time without notice.

We are not liable for any loss, damage, or inconvenience caused by your inability to access or use our Services during any downtime or discontinuance of our Services. We are not obligated to maintain and support our Services or to provide any specific updates, enhancements, or features.

3.4 User Content

Our Services may allow you to submit, upload, publish, or otherwise make available content, including but not limited to text, photographs, videos, and other materials ("User Content"). You retain ownership of any intellectual property rights that you hold in your User Content.

By submitting User Content to our Services, you grant us a worldwide, non-exclusive, royalty-free license (with the right to sublicense) to use, copy, reproduce, process, adapt, modify, publish, transmit, display, and distribute such User Content in any and all media or distribution methods now known or later developed.

You represent and warrant that:

• You own or control all rights in and to your User Content and have the right to grant the license granted above
• Your User Content does not violate the privacy rights, publicity rights, copyrights, contract rights, or any other rights of any person or entity
• Your User Content does not contain any material that is defamatory, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable

4. Intellectual Property

4.1 Our Intellectual Property

Our Services and their entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by StanbinOnline, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

The StanbinOnline name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of StanbinOnline or its affiliates or licensors. You must not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on our Services are the trademarks of their respective owners.

4.2 Feedback

If you provide us with any feedback, suggestions, improvements, enhancements, or feature requests relating to our Services ("Feedback"), you grant us a perpetual, worldwide, non-exclusive, transferable, royalty-free license, with the right to sublicense, to use, copy, modify, create derivative works based upon, distribute, publicly display, publicly perform, and otherwise exploit such Feedback in connection with our Services and for any other purpose.

4.3 Digital Millennium Copyright Act

We respect the intellectual property rights of others and expect users of our Services to do the same. We will respond to notices of alleged copyright infringement that comply with applicable law and are properly provided to us. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide us with the following information:

• An electronic or physical signature of the copyright owner or a person authorized to act on their behalf
• A description of the copyrighted work that you claim has been infringed
• A description of where the material that you claim is infringing is located on our Services
• Your contact information, including your address, telephone number, and email address
• 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
• 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 authorized to act on the copyright owner's behalf

We reserve the right to remove content alleged to be infringing without prior notice, at our sole discretion, and without liability to you. In appropriate circumstances, we will also terminate a user's account if the user is determined to be a repeat infringer.

5. Limitation of Liability

5.1 Disclaimer of Warranties

YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK. OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

STANBINONLINE, ITS SUBSIDIARIES, AFFILIATES, AND ITS LICENSORS DO NOT WARRANT THAT:

• OUR SERVICES WILL FUNCTION UNINTERRUPTED, SECURE, OR AVAILABLE AT ANY PARTICULAR TIME OR LOCATION
• ANY ERRORS OR DEFECTS WILL BE CORRECTED
• OUR SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS
• THE RESULTS OF USING OUR SERVICES WILL MEET YOUR REQUIREMENTS

5.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL STANBINONLINE, ITS AFFILIATES, OR THEIR DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE OUR SERVICES
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON OUR SERVICES
• ANY CONTENT OBTAINED FROM OUR SERVICES
• UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), PRODUCT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

IN NO EVENT WILL OUR AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS RELATED TO OUR SERVICES EXCEED THE GREATER OF $100 OR THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTH PERIOD PRECEDING THE EVENT GIVING RISE TO THE LIABILITY.

5.3 Exclusions

Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for certain types of damages. Therefore, some of the above limitations in this section may not apply to you. In particular, nothing in these Terms shall affect the statutory rights of any consumer or exclude or restrict any liability for death or personal injury arising from any negligence or fraud of StanbinOnline.

6. Dispute Resolution

6.1 Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

6.2 Arbitration Agreement

Any dispute, controversy, or claim arising out of or relating to these Terms, including the breach, termination, or validity thereof, shall be finally resolved by arbitration. The arbitration shall be conducted by a single arbitrator in accordance with the Commercial Arbitration Rules of the American Arbitration Association (AAA) then in effect.

The arbitration shall take place in New York, New York, and shall be conducted in the English language. The arbitrator shall apply the law specified in Section 6.1. The award of the arbitrator shall be final and binding on the parties, and judgment upon the award may be entered in any court having jurisdiction thereof.

Each party will be responsible for paying any AAA filing, administrative, and arbitrator fees in accordance with AAA rules. The prevailing party shall be entitled to an award of reasonable attorney fees.

6.3 Class Action Waiver

YOU AND STANBINONLINE 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 PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and StanbinOnline 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.

6.4 Exceptions

Notwithstanding the foregoing, you and StanbinOnline agree that the following types of disputes shall not be subject to the above provisions concerning informal negotiations and binding arbitration:

• Disputes related to intellectual property (like trademarks, trade dress, domain names, trade secrets, copyrights, and patents)
• Disputes related to or arising from allegations of theft, piracy, invasion of privacy, or unauthorized use
• Claims for injunctive relief

Nothing in this section shall prevent either party from seeking injunctive or other equitable relief from the courts for matters related to data security, intellectual property, or unauthorized access to the Services.

7. Termination

7.1 Termination by You

You may terminate your account and discontinue your use of our Services at any time by following the instructions in your account settings or by contacting our customer support. Upon termination, your right to use our Services will immediately cease.

7.2 Termination by Us

We may terminate or suspend your account and access to our Services immediately, without prior notice or liability, for any reason whatsoever, including, without limitation, if you breach these Terms. Upon termination, your right to use our Services will immediately cease.

We may also terminate or suspend your account if:

• You fail to pay any fees or charges when due
• We believe your use of our Services poses a security risk to us or any third party
• We believe your use of our Services may expose us to liability
• We are required to do so by law or government authority
• We discontinue our Services or any portion thereof

7.3 Effect of Termination

Upon termination of your account:

• All licenses and rights to use our Services will terminate
• You will no longer have access to your account or any content stored within your account
• We may delete your data in accordance with our Privacy Policy and data retention practices
• You remain liable for all amounts due under your account up to and including the date of termination

The following provisions of these Terms will survive termination: Intellectual Property, Limitation of Liability, Dispute Resolution, and any other provision that by its nature should survive termination.

8. Additional Terms

8.1 Entire Agreement

These Terms, together with our Privacy Policy and any other agreements expressly incorporated by reference herein, constitute the entire agreement between you and StanbinOnline concerning your use of our Services. These Terms supersede all prior or contemporaneous communications, whether electronic, oral, or written, between you and StanbinOnline regarding your use of our Services.

8.2 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect and enforceable.

8.3 Assignment

These Terms are personal to you, and you may not assign, transfer, or sublicense your rights or obligations under these Terms to anyone without our prior written consent. StanbinOnline may assign, transfer, or delegate any of its rights and obligations under these Terms without your consent, including in connection with a merger, acquisition, sale of assets or equity, or by operation of law.

8.4 No Waiver

No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

8.5 Force Majeure

We will not be liable for any delay or failure to perform any obligation under these Terms where the delay or failure results from any cause beyond our reasonable control, including acts of God, labor disputes or other industrial disturbances, electrical or power outages, utilities or telecommunications failures, earthquakes, storms or other elements of nature, blockages, embargoes, riots, acts or orders of government, acts of terrorism, or war.

8.6 Relationship of the Parties

Nothing in these Terms is intended to or will create any type of joint venture, partnership, agency, or fiduciary relationship between you and StanbinOnline, nor authorize either you or StanbinOnline to make or enter into any commitments for or on behalf of the other.

9. Modifications

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Services after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use our Services.

We may provide notifications about changes to these Terms by:

• Posting a notice on our website
• Sending an email to the email address associated with your account
• Displaying a notification within our Services

It is your responsibility to regularly check for updates to these Terms. Your continued use of our Services after the effective date of any changes constitutes your acceptance of the modified Terms.

10. Contact Us

If you have any questions about these Terms, please contact us:

We will respond to your inquiry as soon as possible, typically within 2-3 business days.