VIREO. INC.
                Member Terms and Conditions
                 
                LOADWORKS is Vireo  Loadworks Inc.’s proprietary mobile phone and online messaging facility  designed to dispense electronic mobile cell phone load. Accordingly, LOADWORKS  is interchangeable or synonymous with Vireo Loadworks Inc.
                1.      ACCEPTANCE OF  TERMS
                LOADWORKS provides its service to you, subject to  the following Terms of Use ("TOU"), which may be updated by us from  time to time without notice to you. You can review the most current version of  the TOU at any time by logging onto the internet at http://www.vireoloadworks.com.
                In addition, when using particular LOADWORKS  services, you and LOADWORKS shall be subject to any posted guidelines or rules  applicable to such services which may be posted from time to time. All such  guidelines or rules are hereby incorporated by reference into the TOU.
                2.      DESCRIPTION OF  SERVICE
                LOADWORKS primarily is a text messaging service  designed for dispensing electronic mobile phone load, Over-The-Air (OTA), and  other prepaid products. Secondly, it has an online-based information management  system enabling a Virtual Office Facility. LOADWORKS (the "SERVICE")  permits authorized subscribers to send SMS text commands to a designated access  number/s, and/or use of the LOADWORKS Virtual Office Facility.
                Keyword(s) are assigned by the LOADWORKS  administrator. A secure, internet interface is provided that restricts access  to the service to authorized dealers / retailers.
                A number of features using sub-keywords may also be  provided as part of the Service, to manage and administer special services that  may be supported by LOADWORKS.
                Unless explicitly stated otherwise, any new  features that augments or enhances the current Service, including the release  of new LOADWORKS capabilities either online or SMS-based, shall be subject to  the TOU. You also understand and agree that the Service is provided  "AS-IS" and that LOADWORKS Service assumes no responsibility for the  timeliness, deletion, misdelivery or failure to store any user  communications or personalization information.
                You agree that you are responsible for obtaining  access to the Service i.e., online and/or SMS-based and that access may involve  third party fees (such as Internet service provider or airtime charges). You  are solely responsible for those fees. In addition, you must provide and are  responsible for all equipment necessary to access the Service. (e.g. mobile  phone/s, computer/s, modem/s, etc.)
                3.      YOUR REGISTRATION  OBLIGATIONS
                In consideration of your use of the Service, you  agree to: (a) provide true, accurate, current and complete information about  yourself as prompted by the Service's membership or registration form (such  information being the "Registration Data") and (b) maintain and  promptly update the Registration Data to keep it true, accurate, current and  complete. If you provide any information that is untrue, inaccurate, not  current or incomplete, or LOADWORKS has reasonable grounds to suspect that such  information is untrue, inaccurate, not current or incomplete, LOADWORKS has the  right to suspend or terminate your account and refuse any and all current or  future revenue shares or access to the Service (or any portion thereof).
                4.      LOADLINE PRIVACY  POLICY
                Registration Data and certain other information  about you are subject to our Privacy Policy. For more information, see our full  privacy policy at http://www.vireoloadworks.com.
                5.      SUBSCRIBER  ID, PIK AND SECURITY                
                You will receive a Subscriber ID and activation  code upon completing payment of Registration to complete the Service's  registration process. You are responsible for maintaining the confidentiality  of the password/s, and are fully responsible for all activities that occur  under your Subscriber ID. You agree to (a) immediately notify LOADWORKS of any  unauthorized use of your Subscriber ID or any other breach of security, and (b)  ensure that you or your designated service operator/s exit from the account at  the end of each session. LOADWORKS cannot and will not be liable for any loss  or damage arising from your failure to comply with this Section.
                6.      MEMBER CONDUCT
                You understand that all information processed,  including data, text messages and/or other related communications  ("Content"), whether publicly posted elsewhere or privately  transmitted via LOADWORKS, are the sole responsibility of the person from which  such Content originated. This means that you and not LOADWORKS are entirely  responsible for the content of all messages that you originate, send or  transmit in response to messages received via the Service. LOADWORKS does not  control all of the Content transmitted via the Service and, as such, does not  guarantee the accuracy, integrity or quality of such Content. You understand  that by using the Service, you may be exposed to Content that is offensive,  indecent or objectionable. Under no circumstances will LOADWORKS, or any  of it's product providers, be liable in any way for any Content,  including, but not limited to, any errors or omissions in any Content, for any  loss or damage of any kind incurred as a result of the use of any Content  received or transmitted or otherwise made available via the Service.
                You agree to not use the Service to:
                a.       transmit,  post or otherwise make available any Content that is unlawful, harmful,  threatening, abusive, harassing, defamatory, vulgar, obscene, libelous,  invasive of another's privacy, hateful, or racially, ethnically or otherwise  objectionable;
                b.       harm minors  in any way;
                c.       impersonate  any person or entity, including, but not limited to, a LOADWORKS administrator,  official, forum leader, guide or host, or falsely state or otherwise  misrepresent your affiliation with a person or entity;
                d.       forge  headers or otherwise manipulate identifiers in order to disguise the origin of  any Content transmitted through the Service;
                e.       transmit,  post or otherwise make available any Content that you do not have a right to  make available under any law or under contractual or fiduciary relationships  (such as inside information, proprietary and confidential information learned  or disclosed as part of employment relationships or under nondisclosure  agreements);
                f.         transmit, post or otherwise make available any Content that infringes any  patent, trademark, trade secret, copyright or other proprietary rights  ("Rights") of any party;
                g.       transmit,  post or otherwise make available any unsolicited or unauthorized "junk  messages," "spam," "chain letters/messages,"  "pyramid schemes," or any other form of solicitation, except as  specifically authorized by the LOADWORKS administrator;
                h.       transmit,  post or otherwise make available any material that contains software viruses or  any other computer code, files or programs designed to interrupt, destroy or  limit the functionality of any computer software or hardware or  telecommunications equipment;
                i.          disrupt the normal flow of dialogue, cause a screen to "scroll"  faster than other users of the Service are able to type, or otherwise act in a  manner that negatively affects other users' ability to engage in real time  message exchanges;
                j.         interfere with or disrupt the Service or servers or networks connected to the  Service, or disobey any requirements, procedures, policies or regulations of  networks connected to the Service;
                k.        intentionally or unintentionally violate any applicable local, state, national  or international law, including, but not limited to, regulations promulgated by  the Philippine Government, any rules of any national or other securities  exchange, including, without limitation the Philippine Stock Exchange and any  regulations having the force of law;
                l.          "stalk" or otherwise harass another Service user; or
                m.     sell or distribute in  any way, personal information about other Service users.
                m.      violate  any of the provisions of the Philippine cyberbill law.
                You acknowledge that LOADWORKS does not pre-screen  Content, but that LOADWORKS and its designees shall have the right (but not the  obligation) in their sole discretion to refuse to deliver or to remove or  screen any Content that is transmitted via the Service. Without limiting the  foregoing, LOADWORKS and its designees shall have the right to remove any  Content that violates the TOU or is otherwise considered objectionable by the LOADWORKS  administrator. You agree that you must evaluate, and bear all risks associated  with, the transmission of any Content, including any reliance on the accuracy,  completeness, or usefulness of such Content.
                You acknowledge and agree that LOADWORKS may  preserve Content and may also disclose Content if required to do so by law or  in the good faith belief that such preservation or disclosure is reasonably  necessary to: (a) comply with legal process; (b) enforce the TOU; (c) respond  to claims that any Content violates the rights of third-parties; or (d) protect  the rights, property, or personal safety of LOADWORKS, its users and the  public.
                You understand that the technical processing and  transmission of the Service, including your Content, may involve (a)  transmissions over various networks; and (b) changes to conform and adapt to  technical requirements of connecting networks or devices.
                7.      SPECIAL ADMONITIONS  FOR INTERNATIONAL USE
                Recognizing the global nature of the Internet, you  agree to comply with all local rules regarding online conduct and acceptable  Content. Specifically, you agree to comply with all applicable laws regarding  the transmission of technical data exported from the  Philippines    or the country in which you reside.
                8.      INDEMNITY
                You agree to indemnify and hold LOADWORKS, and its  telecommunications providers, subsidiaries, affiliates, officers, agents,  co-branders or other partners, and employees, harmless from any claim or  demand, including reasonable attorneys' fees, made by any third party due to or  arising out of Content that you or any of your designated service operators  originate, send or transmit in response to messages received via the Service,  your use of the Service, your connection to the Service, your violation of the  TOU, or your violation of any rights of another.
                9.      NO RESALE OF  SERVICE
                You agree not to reproduce, duplicate, copy, sell,  resell or exploit for any commercial purposes, any portion of the Service,  including the user database information, use of the Service, or access to the  Service.
                10.   GENERAL PRACTICES REGARDING USE AND  STORAGE
                You acknowledge that LOADWORKS may establish  general practices and limits concerning use of the Service, including without  limitation the maximum number of days that messages or other Content will be  retained by the Service, the maximum number of messages that may be sent from  or received by an account using the Service, the maximum size of any message  that may be sent from or received by an account using the Service, the maximum  disk space that will be allotted on LOADWORKS's servers on your behalf,  and the maximum number of times (and the maximum duration for which) you may  access the Service in a given period of time.
                You agree that LOADWORKS has no responsibility or  liability for the deletion or failure to store any messages and other  communications or other Content maintained or transmitted by the Service. You  acknowledge that LOADWORKS reserves the right to log off accounts that are  inactive for an extended period of time. You further acknowledge that LOADWORKS  reserves the right to change these general practices and limits at any time, in  its sole discretion, with or without notice.
                11.  MODIFICATIONS TO SERVICE
                LOADWORKS reserves the right at any time and from  time to time to modify or discontinue, temporarily or permanently, the Service  (or any part thereof) with or without notice. You agree that LOADWORKS shall  not be liable to you or to any third party for any modification, suspension or  discontinuance of the Service.
                12.   TERMINATION
                You agree that LOADWORKS, in its sole discretion,  may terminate your Subscriber ID/password, account (or any part thereof) or use  of the Service, and remove and discard any Content within the Service, for any  reason, including, without limitation, for lack of use or if LOADWORKS believes  that you have violated or acted inconsistently with the letter or spirit of the  TOU.
                LOADWORKS may also in its sole discretion and at  any time discontinue providing the Service, or any part thereof, with or  without notice. You agree that any termination of your access to the Service  under any provision of this TOU may be effected without prior notice, and  acknowledge and agree that LOADWORKS may immediately deactivate or delete your  account and all related information and files in your account and/or bar any  further access to such files or the Service. Further, you agree that LOADWORKS  shall not be liable to you or any third-party for any termination of your  access to the Service.
                13.   DEALINGS WITH ADVERTISERS
                You acknowledge that your participation in  promotions using LOADWORKS, including the delivery of advertising or related  content, and any other terms, conditions, warranties or representations  associated with such promotions, are solely between you and such advertiser.  You agree that LOADWORKS shall not be responsible or liable for any loss or damage  of any sort incurred as the result of any such dealings or as the result of the  presence of such promotions or advertising on the Service.
                14.   LOADWORKS' PROPRIETARY  RIGHTS
                You acknowledge and agree that the Service and any  necessary software used in connection with the Service (collectively  "Software") contain proprietary and confidential information that is  protected by applicable intellectual property and other laws. Except as  expressly authorized by LOADWORKS or advertisers, you agree not to modify,  rent, lease, loan, sell, distribute or create derivative works based on the  Service or the Software, in whole or in part.
                LOADWORKS grants you a personal, non-transferable  and non-exclusive right and license to use the object code of its Software on a  computer; provided that you do not (and do not allow any third party to) copy,  modify, create a derivative work of, reverse engineer, reverse assemble or  otherwise attempt to discover any source code, sell, assign, sublicense, grant  a security interest in or otherwise transfer any right in the Software. You  agree not to modify the Software in any manner or form, or to use modified  versions of the Software, including (without limitation) for the purpose of  obtaining unauthorized access to the Service. You agree not to access the  Service by any means other than through the interface that is provided by LOADWORKS  for use in accessing the Service.
                15.  RESTRICTIONS ON USERS WITH ADMINISTRATOR  RIGHTS
                You acknowledge and agree that the Administrator  Rights (“Rights”) granted to you by LOADWORKS is not an unbridled one for the  use of the Service, but is subject to limitations as set forth in this section.
                As a condition of your use of the Virtual Office  Facility with said Rights, you will not use the Service for any purpose that is  unlawful or prohibited as stipulated in the above terms and conditions. You may  not use the facility in any manner that could damage, disable, overburden, or impair  any LOADWORKS programs (or the network(s) connected to and hosting LOADWORKS)  or interfere with any other party's use and enjoyment of any LOADWORKS  facilities.
                You may not attempt to gain unauthorized access to  any LOADWORKS facilities, other accounts, computer systems or networks  connected to and hosting any LOADWORKS, through hacking, password mining or any  other means. You may not obtain or attempt to obtain any materials or  information through any means not intentionally made available through the  Service, even if the same can be accessed with your Rights.  The  grant of these Rights to you does not vest ownership or a carta blanche license  to use the Service.
                LOADWORKS shall prosecute to the full extent of the  law any and all users with such Rights who would be found violating the  aforementioned limitations.
                LOADWORKS reserves the right to change the terms  and conditions under which the Service is operated by users with Rights,  without notice to you.
                The Rights granted under this section can be  unilaterally revoked and/or modified by LOADWORKS at anytime, for whatever  reasons, without prior notice.
                16.   DISCLAIMER OF WARRANTIES
                YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
                a.       YOUR USE OF  THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS  IS" AND "AS AVAILABLE" BASIS. LOADWORKS EXPRESSLY DISCLAIMS ALL  WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED  TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE  AND NON-INFRINGEMENT.
                b.       LOADWORKS  MAKES NO WARRANTY THAT (i) THE SERVICE WILL MEET YOUR REQUIREMENTS, (ii) THE  SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS  THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE,  (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL  PURCHASED OR OBTAINED BY YOU THROUGH OR AS A BY PRODUCT OF THE SERVICE WILL  MEET YOUR EXPECTATIONS, AND (V) ANY ERRORS IN THE SERVICE WILL BE CORRECTED.
                c.       ANY MATERIAL  DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE 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 ANY  SUCH MATERIAL.
                d.       NO ADVICE OR  INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM LOADWORKS OR THROUGH  OR FROM THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TOU.
                17.   LIMITATION OF LIABILITY
                YOU EXPRESSLY UNDERSTAND AND AGREE THAT LOADWORKS  SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL,  CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR  LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF LOADWORKS  HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE  USE OR THE INABILITY TO USE THE SERVICE; (ii) THE COST OF PROCUREMENT OF  SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR  SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED  INTO THROUGH OR FROM THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF  YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE  SERVICE; OR (v) ANY OTHER MATTER RELATING TO THE SERVICE.
                18.   EXCLUSIONS AND LIMITATIONS
                SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF  CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL  OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF  SECTIONS 16 AND 17 MAY NOT APPLY TO YOU.
                19.   SPECIAL ADMONITION FOR SERVICES  RELATING TO FINANCIAL MATTERS
                If you intend to create or join any service,  receive or request any news, messages, alerts or other information from the  Service concerning companies, stock quotes, investments or securities, please  read the above Sections 15 and 16 again. In addition, for this type of  information particularly, the phrase "Let the investor beware" is  emphasized. These Services are provided for informational purposes only, and no  Content transmitted as part of the Service is intended for trading or investing  purposes. LOADWORKS and its licensors shall not be responsible or liable for  the accuracy, usefulness or availability of any information transmitted or made  available via the Service, and shall not be responsible or liable for any  trading or investment decisions made based on such information.
                20.   NOTICE
                Notices to you may be made via telephone, email or  regular mail. The Service may also provide notices of changes to the TOU or  other matters by displaying notices or links to notices to you generally on the  login page of the Service.
                21.   TRADEMARK INFORMATION
                LOADWORKS, the LOADWORKS logo, and service marks,  and other LOADWORKS logos and product and service names are trademarks of VIREO  LOADWORKS INC.’s, (the "LOADWORKS Marks"). Without LOADWORKS's prior  permission, you agree not to display or use in any manner, the LOADWORKS marks.
                22.   GENERAL INFORMATION
                The TOU constitute the entire agreement between you  and LOADWORKS and governs your use of the Service, superseding any prior  agreements between you and LOADWORKS. You also may be subject to additional  terms and conditions that may apply when you use affiliate services,  third-party content or third-party software. The TOU and the relationship  between you and LOADWORKS shall be governed by the laws of the Philippines    , without regard to its conflict of laws provisions.
                
                    You and LOADWORKS agree to submit to the exclusive  jurisdiction of the courts located within San Juan City,  Philippines.  The failure of LOADWORKS to exercise or enforce any right or provision of the  TOU shall not constitute a waiver of such right or provision. If any provision  of the TOU is found by a court of competent jurisdiction to be invalid, the  parties nevertheless agree that the court should endeavor to give effect to the  parties' intentions as reflected in the provision, and the other provisions of  the TOU remain in full force and effect. You agree that regardless of any  statute or law to the contrary, any claim or cause of action arising out of or  related to use of the Service or the TOU must be filed within one (1) year  after such claim or cause of action arose or be forever barred.
                    The section titles in the TOU are for convenience  only and have no legal or contractual effect.
                
                
                    23.   VIOLATIONS
                    Please report any violations of the TOU to the LOADLINE  administrator by telephone at (632) 234-1832.
                
                24. DATA PRIVACY NOTICE
                As a condition for use of the service, you permit Vireo Loadworks, Inc. and its subsidiaries, affiliates, and authorized subcontractors to process and/or disclose personal data, including data that may be classified as personal information and/or sensitive personal information under the Data Privacy Act of 2012, to authorized agents, subsidiaries, affiliates, partners, and other authorized third parties, in order to undertake activities that may include, among others:
                i. Conducting analysis for purposes of research and marketing initiatives, including the creation of your personal profile based on your interests, preferences, mobility patterns from physical locations that you may visit, and other information that may be relevant for marketing and market research purposes;
                ii. Managing your account, providing customer care activities, monitoring the quality and security of the network, training our staff, and providing the services to you in a timely and efficient manner;
                iii. Generating statistical insights based on your usage and other information to assist the Government in planning for healthcare, disaster, and other similar initiatives;
                iv. Credit scoring programs and initiatives, including but not limited to providing information to the Credit Information Corporation in furtherance of the objectives of Republic Act No. 9501, otherwise known as the Credit Information System Act;
                v. Sending commercial and promotional advertisements, loyalty and rewards offers, surveys, customer-care, and after sales communications, and other broadcast push messages;
                vi. Sharing your personal data with Vireo Loadworks’ business partners, authorized third-party content providers or other authorized third-party services; and
                vii. Such other processing or disclosure that may be required under law or regulations.
                By availing of our service, your personal data will be maintained in our records throughout the span of the agreement, and for a maximum period of five years thereafter. You are afforded certain rights in relation to your personal data under the Data Privacy Act, including the right to object to processing, the right to access your data, the right to rectification of inaccurate data, and the right to erasure or blocking of data.