Acceptance of Terms of Service
Future Investor Clubs of America, Inc. (FICA) is a financial education training and software as a service company, providing, FICA Membership, e-Learning Subscriptions, Financial Education Training Products, Apparel, Camps and Program services to its subscribers. Through its website network portals: FICA.com, ficaworld.com., ficaworld.net, futureinvestorsclub.com and related products and services, Future Investor Clubs of America, Inc. provides subscribers with applications, information, and links to make the Internet affiliation experience more productive and fun. By using Future Investor Clubs of America, Inc.’s website(s) and services (the “Future Investor Clubs of America, Inc. Site/Services”), you agree to the terms, conditions, limitations, and notices set forth in this policy (the “Terms of Service”). These Terms of Service may be updated or modified by Future Investor Clubs of America, Inc. from time to time, in its sole discretion, and your continued use constitutes acceptance of such changes.
No Unlawful Acts:
At all times, you agree to use the Future Investor Clubs of America, Inc. Site/Services in accordance with these Terms of Service and in accordance with all federal, state and local laws, ordinances, and regulations. In all circumstances, as a condition of your use of the Future Investor Clubs of America, Inc. Site/Services, you agree that you will not use the Future Investor Clubs of America, Inc.Site/Services for any purpose that is unlawful or in any manner which could damage, disable, overburden or impair the operation of the Future Investor Clubs of America, Inc. Site/Services (or the network(s) connected to any Future Investor Clubs of America, Inc. Site/Services) or interfere with any other party’s use of the Future Investor Clubs of America, Inc. Site/Services. Future Investor Clubs of America, Inc. will take whatever lawful steps it deems appropriate, in its sole discretion, to detect and prevent any such activities.
Personal Use—No Rights in Intellectual Property :
Unless otherwise specified, the Future Investor Clubs of America, Inc. Site/Services are for your personal and non-commercial use. Unless expressly agreed to in writing by Future Investor Clubs of America, Inc., you may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained through the Future Investor Clubs of America, Inc.Site/Services.
Your Account Information:
When using the Future Investor Clubs of America, Inc. Site/Services, particularly in communicating with others, always use caution when giving out any personally identifying information about yourself, including information about your family. You are responsible for maintaining the confidentiality of your account number and/or password. You are responsible for all uses of your account, whether or not actually or expressly authorized by you.
Links to Third Party Sites and Content
Future Investor Clubs of America, Inc.'s Site/Services contain content aggregated from third parties, as well as links to third party websites and/or content. Because such websites and/or content are not under our control, Future Investor Clubs of America, Inc. make no guarantee as to the accuracy, currency, substance or quality of any such sites and/or content. Future Investor Clubs of America, Inc. provides such links and/or content as a convenience to you, and the inclusion of any link or content does not imply endorsement by Future Investor Clubs of America, Inc. of such information. Future Investor Clubs of America, Inc. assumes no responsibility as to whether the content, links or any search through the Future Investor Clubs of America, Inc. Site/Services will locate unintended or objectionable material.
Any dealings with third parties (including advertisers) through the Future Investor Clubs of America, Inc. Site/Services or participation in promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings or promotions, are solely between you and the advertiser or other third party. Future Investor Clubs of America, Inc. shall not be responsible or liable for any part of any such dealings or promotions. You are responsible for viewing and abiding by any rules or regulations governing use of the third party websites and/or information.
Communications and Prohibited Actions:
The Future Investor Clubs of America, Inc. Site/Services may contain e-mail services, bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, notepads, and/or other message or communication applications. You agree to use such applications only to post, send and receive messages and material that are proper. Users alone are responsible for the contents of any messages as well as the consequences of any such messages.
You agree that you will not use Future Investor Clubs of America, Inc.’s services for chain letters, junk mail, "spamming" or commercial solicitations or to engage in illegal activities. You further agree not to use Future Investor Clubs of America, Inc.’s services to send any message or material that is unlawful or gives rise to civil liability.
Without limitation, you agree that you will not:
• Use the Future Investor Clubs of America, Inc. Site/Services in connection with the transmission of any duplicative or unsolicited messages (commercial or otherwise). For any such spamming, you agree to pay Future Investor Clubs of America, Inc. damages for such unauthorized activities.
• Defame, abuse, harass, stalk, threaten, victimize, degrade or otherwise violate the legal rights (such as rights of privacy and publicity) of others. Without limitation, no message or communication can infringe on the rights of others on the basis of religion, gender, sexual orientation, race, ethnicity, age, disability, or any other reason.
• Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful information.
• Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents to do the same.
• Interfere with service to any user, host or network.
• Upload files that contain viruses, Trojan Horses, worms, time bombs, cancelbots, corrupted files, or any other similar software or programs that may damage the operation of the Future Investor Clubs of America, Inc. Site/Services.
• Restrict or inhibit any other user from using and enjoying the Future Investor Clubs of America, Inc. Site/Services.
• Violate any code of conduct or other guidelines which may be applicable.
• Harvest or otherwise collect information about others, including e-mail addresses.
• Violate any applicable laws or regulations.
• Create a false identity for the purpose of misleading others.
• Falsify address information or otherwise modify e-mail headers to conceal the identify of any sender or recipient.
• Use, download or otherwise copy, or provide (whether or not for a fee) to a person or entity any directory of users of any Future Investor Clubs of America, Inc. Site/Service(s) or other user or usage information or any portion thereof.
• Use the Future Investor Clubs of America, Inc. Site/Services to engage in activities that violate any terms or conditions of any other network access provider or ISP.
Your participation in online communication is not edited, censored, or otherwise controlled by Future Investor Clubs of America, Inc.. However, Future Investor Clubs of America, Inc. reserves the right to review materials posted to a Future Investor Clubs of America, Inc. Site/Services and to remove any materials which Future Investor Clubs of America, Inc. in its sole discretion determines to be harmful, offensive, or otherwise in violation of these Terms of Service. Future Investor Clubs of America, Inc. reserves the right to terminate your access to any or all of the Future Investor Clubs of America, Inc. Site/Services at any time, without notice, for any reason whatsoever.
Materials uploaded to the Future Investor Clubs of America, Inc. Site/Services may be subject to posted limitations on usage, reproduction and/or dissemination, you are responsible for adhering to such limitations if you download the materials.
Disclaimer; Limitations of Liability:
You understand and expressly agree that use of the Future Investor Clubs of America, Inc. Site/Services are at your sole risk, that any material and/or data downloaded or otherwise obtained through the use of the Future Investor Clubs of America, Inc. Site/Services are at your own discretion and risk and that you will be solely responsible for any damage to your computer system or loss of data that results from the download of such material and/or data.
Future Investor Clubs of America, Inc. DISCLAIMS, TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALL WARRANTIES, REPRESENTATIONS OR OTHER ENDORSEMENTS, EXPRESS OR IMPLIED, WITH REGARD TO THE INFORMATION ACCESSED FROM, OR THROUGH, THE Future Investor Clubs of America, Inc. SITE/SERVICES, INCLUDING ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR USE, OR NON-INFRINGEMENT OF ANY THIRD-PARTY RIGHTS. Future Investor Clubs of America, Inc. does not assume any liability for the completeness, accuracy or usefulness of any information disclosed or materials accessed through the Future Investor Clubs of America, Inc. Site/Services. In no event shall Future Investor Clubs of America, Inc. (or any persons or entities related thereto) be liable for any special, indirect, or consequential damages associated with or arising from use of the use of the Future Investor Clubs of America, Inc. Site/Services in any way, including any loss of use, data or profits, regardless of the form of action.
You agree to indemnify, defend and hold harmless Future Investor Clubs of America, Inc., its affiliates, officers, directors, employees, consultants and agents from any and all third party claims, liability, damages and/or costs (including, but not limited to, attorneys fees) arising from your use of the Future Investor Clubs of America, Inc. site/services, your violation of the Terms of Service or your infringement, or infringement by any other user of your account, of any intellectual property or other right of any person or entity. The Terms of Service will inure to the benefit of Future Investor Clubs of America, Inc.'s successors, assigns and licensees.
Intellectual Property Rights:
You acknowledge and agree that copyrights, trademarks, service marks, patents, trade secrets, and other proprietary rights and laws protect all content and materials available on the Future Investor Clubs of America, Inc. Site/Services. No license or right to any intellectual property rights or license to any intellectual property, content, technology, system, process, or related material belonging to Future Investor Clubs of America, Inc. or any other third party is created by virtue of it being displayed or made accessible on the Future Investor Clubs of America, Inc. Site Services. Except as expressly authorized by Future Investor Clubs of America, Inc., you agree not to use the Future Investor Clubs of America, Inc. Site/Services in any manner that would infringe, violate, dilute or misappropriate any such rights, with respect to any material, which you access or receive through this site.
All content and software (if any) that is made available to view and/or download in connection with the Future Investor Clubs of America, Inc. Site/Services (“Software”) is owned by and is the copyrighted work of Future Investor Clubs of America, Inc., and/or its suppliers or affiliates and is protected by copyright laws and international treaty provisions. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software ("License Agreement"). You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms.
Any reproduction or redistribution of the content and/or Software is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. WITHOUT LIMITING THE FOREGOING, COPYING OR REPRODUCTION OF THE CONTENT OR SOFTWARE TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. You acknowledge that the Software, and any accompanying documentation and/or technical information, is subject to applicable export control laws and regulations of the USA. You agree not to export or re-export the Software, directly or indirectly, to any countries that are subject to USA export restrictions.
Future Investor Clubs of America, Inc. AND/OR ITS RESPECTIVE SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, LACK OF VIRUSES OR OTHER HARMFUL COMPONENTS AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED WITHIN THE Future Investor Clubs of America, Inc. SITE/SERVICES FOR ANY PURPOSE. ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. Future Investor Clubs of America, Inc. AND/OR ITS RESPECTIVE SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, TITLE AND NON-INFRINGEMENT.
In connection with your account or use of the Future Investor Clubs of America, Inc. Site/Services, you may be provided with storage space using Future Investor Clubs of America, Inc.’s servers and network. The amount of storage space per user is limited. Some messages may not be processed due to space constraints or outbound message limitations. You agree that Future Investor Clubs of America, Inc. is not responsible or liable for the deletion or failure to store messages or other information.
Please send reports of any activity in violation of these Terms of Service to customerservice@Future Investor Clubs of America, Inc.. Future Investor Clubs of America, Inc. will investigate incidents involving such violations and may involve and will cooperate with law enforcement officials if a criminal violation is suspected. Any such violation may result in criminal and civil liability.
In order to ensure that Future Investor Clubs of America, Inc. is able to provide high quality services which are responsive to customer needs, you consent to Future Investor Clubs of America, Inc. employees being able to access your account and records on a case by case basis to investigate complaints or other allegations or abuse. Future Investor Clubs of America, Inc. shall not disclose the existence or occurrence of such an investigation unless required by law. Violation of terms of service may result in immediate deletion of a users account.
Termination of Use:
We may modify or discontinue our services or any account, with or without notice, without liability to you, any other user or any third party. Future Investor Clubs of America, Inc. reserves the right to terminate your account if we learn that you have provided us with false or misleading registration information, interfered with other users or the administration of Future Investor Clubs of America, Inc.'s services, or violated these Terms of Service. Future Investor Clubs of America, Inc. may also terminate or suspend your access to Future Investor Clubs of America, Inc. Site/Service(s) for non-payment, cancellation by you, inactivity, which is defined as failing to log into a particular service for an extended period of time, as determined by Future Investor Clubs of America, Inc.
The amount of time that Future Investor Clubs of America, Inc. currently considers as an "extended" period of time may be viewed in the FAQ relating to the particular service. Upon termination of the Future Investor Clubs of America, Inc. Site/Service, your right to use the Future Investor Clubs of America, Inc. Site/Service immediately ceases. Some services are billed on a monthly, quarterly and or annual bases. Any cancellations by you will terminate services at the end of the billing period. All user names and passwords shall remain active during this time. All Cancellation of services by you must be done in writing and is to also be done via the affiliated paying service/credit card if any prior to the renewal or billing date. Refunds shall only be provide for funds collected after notification of cancellation. No refunds shall be paid for cancellations made by you after a billing has been process on the renewal date.
All Future Investor Clubs of America (FICA) online e-Learning, subscriptions, memberships, camps, programs and events sales are final. There are No Refunds. A detailed program or benefits overview description is provided on the registration page and its objectives may also be provided. Be sure to read the course description and objectives information before you sign up for the course.
Refunds, Credits and Process for FICA Summer Camps, Events and Workshops
All Future Investor Clubs of America Summer Camps, Events and Workshops require advance registration and purchase. No refunds are provided should you wish to cancel or are unable to attend a scheduled event. Only a credit towards a same type event in value may be given. Any credit made towards a future event must be used within 12 months of the original scheduled event.
Should Future Investor Clubs of America cancel an event for any reason there are three refund and or event credit options:
Option 1. A FULL REFUND shall be made to the member(s) should a scheduled event be cancelled by Future Investor Clubs of America for any reason except for a declared city, state or federal government emergency; and a new event date is not rescheduled within a reasonable timeframe of 60-90 days and within 30 miles of the same event geographical location. Refund will be made within 60-90 days from the scheduled camp-event date.
Option 2. If a scheduled event is cancelled by Future Investor Clubs of America for any reason impacted member(s) shall have the first seat registration option for any open same type event.
Option 3. If a Future Investor Clubs of America event is cancelled for any reason the customer shall have the option to receive a credit toward the next scheduled same type event in the same geographical area with in the next 12 months.
If a refund is approved please allow a period of up to 60-90 days from the date of event for processing. In addtion, reimbursement of the cost of travel expense may be included in any approved refund amount upon proof of purchase and the refund policy with the transportation service provider has expired.
In case of a natural disaster or emergency declared by the Federal Government no refunds will be made, only a credit towards a future event will be provided.
Release of Liability
By signing up and or via online registration for a Future Investor Clubs of America (FICA/FICACAMPS/FICAWORLD) program , I expressly warrant that the child named as attending the event is capable of withstanding both the physical and mental demands of the activities. I also expressly assume all risks of the child participating in the activities, whether such risks are known or unknown to me at this time. I further release this organization and its leaders, employees, volunteers, and agents from any claim that my child may have or that I may have against them as a result of injury or illness incurred during the course of participation in the activities. This release of liability shall include (without limitation) any claims of negligence or breach of warranty. This release of liability is also intended to cover all claims that members of the child’s or my family or estate, heirs, representatives, or assigns may have against this organization or its leaders, employees, volunteers, or agents. I further agree to indemnify and hold harmless this organization and its leaders, employees, volunteers, or agents from any and all claims arising from my participation in its activities and programs, or as a result of injury or illness of my child during such activities.
First Aid and Emergency Medical Treatment
I recognize that there may be occasions where the child named above may be in need of first aid or emergency medical treatment as a result of an accident, illness, or other health condition or injury. I do hereby give permission for agents of this organization to seek and secure any needed medical attention or treatment for the child named above including hospitalization, if in the agent’s opinion such need arises. In doing so I agree to pay all fees and costs arising from this action to obtain medical treatment. I give permission for attending physician(s) and other medical personnel to administer any needed medical treatment, including surgery and, again, I agree to pay for the medical treatment. I give permission for the Camp Trainer or other Camp professional medical staff to give over-the-counter medications as needed. I give permission to transport the child named above to a medical treatment center in a non-emergency vehicle in a medical emergency situation.
Transportation Liability Waiver
Parent Agreement: I have read and agree to the following waiver for my youth transportation by directors, staff and volunteers in the Future Investor Clubs of America (FICA/FICACAMPS/FICAWORLD) Programs:
1. I agree that my youth can be transported in any motor vehicles necessary in order for my youth to participate in the Future Investor Clubs of America (FICA/FICACAMPS/FICAWORLD) program. This includes transportation to and from the camp site if support is being provided in any way, and any and all field trips as determined by the camp by bus, car, van, mass transit or other motor vehicles, water craft or by bicycle.
2. While all reasonable precautions are taken to ensure the safety of my youth while participating in the Future Investor Clubs of America (FICA/FICACAMPS/FICAWORLD), its directors and staff are hereby released from any and all liability in the event of any illness, accident or misfortunes that may occur to my child and/or his/her property while under the transportation and care of the directors, staff and volunteers of the FICA programs. This waiver also extends to walking to and from any venue.
My youth is covered by our private medical insurance and a copy of the medical card will be provided to FICA.
3. If transported by motor vehicle to any camp-related location for off-site field trips for small group purposes my youth uses a regular car seat with regular seat belt. By registering and paying for a Future Investor Clubs of America (FICA/FICACAMPS/FICAWORLD) program; I have read and hereby agree with the above transportation, other waivers and Terms of Service.
Photography & Video
As a FICA member, subscriber, summer camper, event attendee, field trip participant, instructor, teacher, guest speaker and or parent of participating student you hereby grant Future Investor Clubs of America permission and the rights to use yours and or your child's image, likeness and voice as recorded on audio or video tape without payment or any other consideration. This permission also applies to any of your children under the age of 19 that you have registered as a member to participate in any Future Investor Clubs of America camp, event, program or workshop. You understand that the image may be edited, copied, exhibited, published or distributed and waive the right to inspect or approve the finished product wherein the likeness appears. Additionally, you waive any right to royalties or other compensation arising or related to the use of the image or recording. You also understand that this material may be used in diverse educational settings within an unrestricted geographic area.
Photographic, audio or video recordings may be used for the following purposes:
• conference presentations
• educational presentations or courses
• informational presentations
• on-line educational courses
• educational videos
• television promotions
• post cards and flyers
• affiliated internet websites
• program brochures and mailings
• workshop presentations
• summer camp presentations
• promotional campaigns
By registering as a member and or by subscribing to one or more of our programs you understand that this signifies that photographic or video recordings of you, your children or students may be electronically displayed via the Internet, media or in the public educational setting.
There is no time limit on the Term of Service Agreement nor is there any geographic limitation on where these materials may be distributed. This Term of Service Agreement release applies to photographic, audio or video recordings collected as part of the sessions listed on this document only. By registering as a member, subscriber or event attendee you acknowledge that you have completely read and fully understand Terms of Service Agreement release and agree to be bound thereby and hereby release any and all claims against any person or organization utilizing this material for educational and promotional purposes.
FICA Online E-Learning and Membership Services
ALL FICA ONLINE E-LEARNING SUBSCRIPTION SERVICES USER NAMES AND PASSWORDS WILL BE FORWARDED TO THE EMAIL ACCOUNT OF RECORD WITH 24-72 HOURS OF SUBSCRIPTION.
Before we get into specifics, let us be clear on our shipping "philosophy"
•We want to get things to you as quickly as humanly possible;
•To keep things simple, we offer Free Shipping on every product on our site every day;
•If there is a shipping charge (for expedited shipping, for example), we are not in business to "profit" from shipping; you are charged
what we are charged;
Our primary shipping service is United States Postal Service. Both are "ground" services that take 5-7 business days from coast-to-coast (many of our products ship from our primary warehouse in San Francisco, CA).
Delivery Time is dependent on 2 factors:
1."Availability". Every product detail's page will show a value similar to "Usually Ships in 2-3 days". It is also noted in the Shopping Cart, and informs you of how quickly an item will be ready to ship out. For example, some items will ship within 24 hours, others in a couple days, while some may take as many as several weeks (especially custom products). The "Availability" value is an estimate. We do our best to ship items out as quickly as possible, so we often get orders out more quickly than is noted by the "Availability" timeframe, but please do not count on that.
2.The method of delivery - our Free shipping method is either United States Postal Service for commercial addresses or home delivery (residential addresses). From time to time we may use FedEx Express which takes 3 business days; 2nd Day Air is two business days, and there are several options for Overnight delivery based on the time of day to be delivered.
Additionally, please note that delivery time is also based on "business" days. For example, if you place an order on Sunday, it's impossible for us to ship an item the same day as all the shippers are closed.
Free Shipping Offers
100% of the products on our site ship for free every day. This offer applies to "Standard Shipping" which will be United States Postal Service (5-7 days for cross-country delivery). Free shipping promotions are available on domestic shipments only.
We do not profit from shipping. Should you charge Rush shipping, or if we're shipping your order internationally, your shipping cost will be exactly the same as we are charged by whichever shipping company is used to deliver your package. Shipping costs are calculated and billed to you along with your invoice.
If you'd like to make a purchase and have it shipped internationally, please send us an email at service [at ] onthefly [dot] com. Be sure to include a list of the products you'd like to purchase, your shipping address, phone number, and the email address to which we should send a Google Checkout invoice (we currently only accept Google Checkout payments for orders shipped abroad). A member of our Customer Service team will contact you to make all the arrangements.
Miscellaneous; Entire Agreement:
These Terms of Service will be governed by and construed in accordance with the laws of the State of Florida, without giving effect to its conflict of laws provisions or your actual state or country of residence. If for any reason a court of competent jurisdiction finds any provision or portion of the Terms of Service to be unenforceable, the remainder of the Terms of Service will continue in full force and effect.
These Terms of Service constitute the entire agreement between the parties with respect to the subject matter hereof and supersedes and replaces all prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter. Any waiver of any provision of the Terms of Service will be effective only if in writing and signed by Future Investor Clubs of America, Inc.