This Site is owned by us.  All content, products and services provided on and through this Site may
be used only under the following terms and conditions (“Terms of Use”).
 
YOUR USE OF THIS SITE CONSTITUTES YOUR AGREEMENT TO BE BOUND BY THE TERMS OF USE. PLEASE READ THEM CAREFULLY
BEFORE USING THIS SITE. IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS OF USE, DO NOT USE THIS SITE.

Content
All content, materials, text, graphics, audio streams, video streams, webcasts, podcasts, user interfaces, visual interfaces, photographs,
trademarks, service marks, logos, sounds, music, artwork and computer code (collectively, “Content”), including but not limited to the
design, structure, selection, coordination, expression, “look and feel” and arrangement of the Content, contained on our Site is owned,
controlled or licensed by or to us, and is protected by trade dress, copyright, patent and trademark laws, and various other intellectual
property rights and unfair competition laws.

Your User License
As long as you comply with these Terms of Use, you are granted a limited, nonexclusive, nontransferable license to access this Site
and its Content in accordance with these Terms of Use.

If you are under 18 years of age, you may not use this Site.

Our Site is hosted in the United States but contains some general information that is appropriate for global access and use. We make
no representation that all materials on the Site are appropriate or available for

use in locations outside the Costa Rica and the United States, and accessing them from territories where their contents are illegal is
prohibited. Any references on this Site to specific products and services are applicable only to those available in the United States, and
any product claims and comparisons to other products on the Site apply within the United States only. Those who access this Site from
other locations do so on their own initiative and are responsible for compliance with local laws, including laws regarding the
transmission of technical data exported from the United States or the territory in which they reside. We reserve the right to refuse
service in our sole discretion.

and without notice. You are solely responsible for your use of the Site, and you agree to compensate, hold harmless, and defend us
from any claims, damages, losses, liabilities, costs, and expenses, including attorneys’ fees, resulting from your use or misuse of the
Site. Posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, indecent, inflammatory, pornographic, or
profane material, or any material that could constitute or encourage conduct that would be considered a criminal offense, give rise to
civil liability, or otherwise violate any law, is strictly prohibited.

Limitations on Your Use
No Content from our Site may be copied, reproduced, republished, uploaded, downloaded, posted, displayed, encoded, translated,
transmitted, or distributed in any way, except that you may download one copy of the Content on any single computer for your
personal, noncommercial home use only, provided that (i) you keep intact all copyright and other proprietary notices, and (ii) you
make no modifications to such Content. You may not use the Content for any commercial purpose without our prior written permission.

You may not,
co-brand this Site, frame this Site, hyper-link to this Site or mirror any Content contained on this Site on any other server.
The unauthorized use of any such Content on any other Web site or computer environment is expressly prohibited. All trademarks,
service marks, trade names, and trade dress are proprietary to us. For purposes of these Terms of Use, "co-branding" means to
display a name, logo, trademark, or other means of attribution or identification of any party in such a manner as is reasonably
likely to give a user the impression that such other party has the right to display, publish, or distribute this Site or Content accessible
within this Site.  You agree to cooperate with us in causing any unauthorized co-branding, framing, hyper-linking or mirroring
immediately to cease.

Webcasts or Podcasts
From time to time, we may provide webcasts or podcasts on this Site. Unauthorized recording or downloading of any webcast or
podcasts is not permitted. Any rebroadcast, rewebcast or repodcast of these events is prohibited without our express prior consent.  

Privacy and Your Personal Information
Your use of our Site is also subject to the terms of our Privacy Statement. You acknowledge that you have read and understand our
Privacy Statement, and consent to the use of any personal information you provide in accordance with the terms of, and for the
purpose set forth in, our Privacy Statement.

Intellectual Property Rights
Copyright-The Content and other matters related to the Site are protected under applicable copyright laws, ALL RIGHTS RESERVED, to
the full extent that such Content can be protected under such copyright laws. The posting of any such elements on this Site does not
constitute a waiver of any right in such elements. You do not acquire ownership rights to any such elements viewed through this Site.
Except as otherwise provided herein, none of these elements may be used, copied, reproduced, downloaded, posted, displayed,
transmitted, modified, or distributed in any form or by any means, including, without limitation, electronic, mechanical, photocopying,
recording, or otherwise, without our prior written permission. Trademark- All trademarks, service marks, product names, company
names, logos and trade dress on this Site, unless otherwise noted, belong to us (the “Marks”).  |All other trademarks, service marks,
product names, company names, logos, and/or trade dress mentioned, displayed, cited or otherwise indicated on this Site are the
property of their respective owners. The use or misuse of any Marks or any other materials contained on this Site, without the prior
written permission of their owner, is expressly prohibited.

Warranty Disclaimer
OUR SITE, ITS CONTENTS AND OUR PRODUCTS AND SERVICES ARE PROVIDED “AS IS” AND WITHOUT ANY WARRANTY OF ANY KIND,
EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE EXPRESSLY DISCLAIM ALL
WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT \LIMITATION THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A
PARTICULAR PURPOSE, AND NON INFRINGEMENT, AND THOSE ARISING BY STATUTE OR OTHERWISE IN LAW OR FROM A COURSE OF 
DEALING OR USAGE OF TRADE. WE MAKE NO REPRESENTATION OR WARRANTY WHATSOEVER REGARDING THE COMPLETENESS,
ACCURACY, CORRECTNESS, INTEGRITY, RELIABILITY, CURRENCY, ADEQUACY, SUITABILITY, FUNCTIONALITY, AVAILABILITY, OR
OPERATION OF: (i) THIS SITE, THE CONTENT OR SERVICES PROVIDED ON, OR ACCESSIBLE FROM THIS SITE, OR (ii) OUR PRODUCTS
OR SERVICES. WE DO NOT WARRANT THAT THE OPERATION OF THIS SITE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT THIS
SITE IS FREE FROM VIRUSES, WORMS OR OTHER HARMFUL COMPONENTS TO COMPUTER EQUIPMENT OR SOFTWARE.

Earnings and Income Disclaimers
ANY EARNINGS OR INCOME STATEMENTS on this site or in our products ARE ONLY ESTIMATES. Your earnings and income may vary
greatly depending on a wide variety of factors, including your geographic location, competition in your market area, your business and
management expertise, your work ethic, your background, economic and market conditions, labor and product costs, etc.  there are
significant and unknown risks involved in using our products and services.  THEREFORE, WE DO NOT GUARANTEE OR IMPLY THAT
YOU WILL DO BETTER THAN, OR AS WELL AS, SUCH EARNING OR INCOME STATEMENTS.  IN FACT, YOU MAY

NOT MAKE ANY MONEY AT ALL AND MAY EVEN LOSE MONEY. WHERE SPECIFIC EXAMPLES OF EARNINGS OR INCOME ON THIS SITE OR
IN OUR PRODUCTS ARE USED, AND ATTRIBUTED TO AN INDIVIDUAL OR BUSINESS, THOSE PERSONS OR BUSINESSES HAVE EARNED
THAT AMOUNT. THERE IS NO ASSURANCE THAT YOU WILL HAVE SIMILAR EARNINGS OR INCOME AND THERE IS NO ASSURANCE THAT
ANY PRIOR SUCCESSES, OR PAST RESULTS, OF ANOTHER INDIVIDUAL OR BUSINESS IS AN INDICATOR FOR YOUR FUTURE
SUCCESS OR RESULTS. 

ALL EXAMPLES AS TO EARNINGS OR INCOME ON THIS SITE, ARE NOT TO BE CONSIDERED AS AVERAGE
EARNINGS OR INCOME. THE CONTENT ON THIS SITE AND OUR PRODUCTS AND SERVICES ARE FOR EDUCATIONAL
AND INFORMATIONAL PURPOSES ONLY. SEEK THE ADVICE OF QUALIFIED PROFESSIONALS BEFORE USING OR
ACTING ON ANY CONTENT ON THIS SITE OR ON ANY INFORMATION CONTAINED IN OUR PRODUCTS. YOU ARE
RESPONSIBLE FOR EVALUATING AND VERIFYING SUCH CONTENT AND INFORMATION. YOU AGREE THAT WE ARE
NOT RESPONSIBLE FOR YOUR SUCCESS OR FAILURE BASED ON YOUR USE OF SUCH CONTENT OR INFORMATION.

Limitation of Liability
IN NO EVENT WILL WE, OR OUR SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT
PROVIDERS, EMPLOYEES, AGENTS, MANAGERS, MEMBERS OR ATTORNEYS,  BE LIABLE, NOR DO WE ASSUME
RESPONSIBILITY, FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL
DAMAGES, INCLUDING LOSS OF REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR
DAMAGES, ARISING OUT OF OR IN CONNECTION WITH:
(i) THE USE OR INABILITY TO USE THIS SITE (OR THE CONTENT OR SERVICES PROVIDED ON, OR ACCESSIBLE
FROM THIS SITE) OR OTHERWISE, OR
(ii) OUR PRODUCTS OR SERVICES, EVEN IF WE ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 
In no event will our entire liability exceed the amount you have paid to us for the applicable Content, product
or services out of which such liability arose.  You must notify us within thirty (30) days of the date upon which
such liability arises.

Indemnity
You will indemnify and hold us, and our subsidiaries, affiliates, licensors, content providers, service providers,
employees, agents, managers, members, and attorneys (hereinafter known as the "Indemnified Parties")

harmless from any breach of these Terms of Use by you, including any use of the Content hereof or our products

or services, other than as expressly authorized in these Terms of Use.  You agree that the Indemnified Parties

will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any

and all resulting loss, damages, judgments, awards, costs, expenses, and attorney's fees of the Indemnified

Parties in connection therewith.  You will also indemnify and hold the Indemnified Parties harmless from

and against any claims brought by third parties arising out of your use of the Content hereof or our products

or services accessed from this site.

Errors and Corrections
While we use reasonable efforts to include accurate and current information on our Site, we do not warrant or

represent that the Site will be error-free. Data entry errors or other technical problems may sometimes result

in inaccurate information being shown for such things as the availability of products or services.  We reserve

the right to correct any inaccuracies or typographical errors on our Site, and shall have no liability for such

errors. We may also make improvements and/or changes to the Site’s features, functionality, Content or to

our products and services at any time. If you see any description you believe to be incorrect,

please contact us as described below, and we’ll verify it for you.

Links to Other Web Sites
Our Site may contain hyper-links to other Web sites.  These hyper-links are provided solely as a convenience

to you. We have not reviewed and do not endorse or accept any responsibility for the content, or accessibility

of resources available on, any other Web site. We suggest that you carefully review the terms of
use of any Web site you choose to access from our Site.

Your Submissions
Other than personally identifiable information, which is covered under our Privacy Statement, any suggestions,
ideas, concepts, material or other information you submit to, or send via, this Site (“Submissions”) shall

become, and shall remain, our exclusive property and you hereby grant to us the royalty-free, perpetual,

irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate,

create derivative works from, distribute, perform, and display all Submissions and to incorporate any

Submission in other works in any form, media, or technology now known or later developed. 

We shall have no obligation of any kind with respect to such Submissions and shall be free to use and

disclose the Submissions to others without limitation.

Governing Law and Jurisdiction        
These Terms of Use are governed by and construed in accordance with the laws of the International Law in
Geneva, without giving effect to any principles of conflict of laws. Any controversy or dispute arising out of
your use of our Site shall be submitted, and you irrevocably consent, to the personal jurisdiction of any state or
federal court located in, or whose district includes, Costa Rica. If any provision of these Terms of Use is found
to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed removed and shall
not affect the validity and enforceability of any remaining provisions.

Changes To These Terms of Use        
We reserve the right, at our sole discretion, to change, modify, add or remove portions of these Terms of Use, at
any time. Updated versions of the Terms of Use will be posted here on our Site and are effective immediately.
The date of the newest version is posted below. It is your responsibility to check these Terms of Use periodically
for changes. Your continued use of this Site following the posting of changes will mean that you accept and agree
to the changes.

© 2011 by Mutual Capital Funding SA.

Date of Last Update to Terms of Use: November 15, 2011.

Contact Us
If you have any questions about this Terms of Use, please submit a ticket to: service@wwn.co.cc

call us at the service center +506 2441 0002. We will make every reasonable effort to address your concerns and remedy any
problems you bring to our attention.