This User Agreement ("Agreement") is a contract between you and Quartz-Pay, a payment processing service provided by Alsar Financial LLC company having a place of business at 903 South College Ave., #275 Newark, DE 19715-0275, USA de (Quartz-Pay) and applies to your use of the Quartz-Pay payment service and any related products and services (collectively the "Service") available through www.Quartz-Pay.com (the Site). If you do not agree to be bound by the terms and conditions of this Agreement, you may not use this Site or use any of the Services.

Quartz-Pay may amend this Agreement at any time by posting a revised version hereof on the Site. Except as stated herein, all amendments hereto shall be effective 30 days after they are posted on this Site. Notices of upcoming changes will be posted in the news section in your members areas on the Account Overview page once you have logged in.
In this Agreement, "you" or "your" means any person or entity using the Service ("Users"). Unless otherwise stated, "Quartz-Pay" "we" or "our" will refer collectively to Quartz-Pay, Inc.

»» Eligibility.
In order to use the Service, you must register through the Site for a Personal, business, or business plus account (each an "Account"). A single User, together with all of its affiliates, may only hold only one Personal account, and either one business or business plus account through the Site.

»» Users.
The Services are available for use by both purchasers (each a "Customer") and sellers (each a "Merchant") of products or services (collectively, "Products"). Certain provisions of this agreement applied only to Customers while others applied to only Merchants. Unless otherwise expressly indicated, all provisions of this Agreement apply to all Merchants and all Customers.

»» Representations and Warranties.
You represent and warrant that all of the following are true in respect of yourself and all of your affiliates at the time of your entry into this Agreement and so long as you continue to use the Site or any of the Services:

»» Duly Constituted.
If you are an entity other than an individual, that it is duly constituted under the laws of its constituting jurisdiction and that it has legal capacity to enter into this Agreement and perform its obligations hereunder;

»» Capacity.
If you are an individual, then you are both (i) of at least 18 years of age and (ii) of the legal age for the conclusion of verbal contractual obligations in his or her place of residence and his or her place of business and that he or she does not require the consent, approbation, or approval of any other person or entity to conclude or contract a valid obligation of the type set forth herein.

»» No Conflict.
Your execution of and performance under this Agreement in no way breaches, contravenes, violates or in any manner conflicts with any legal obligation of the Merchant, including, without limitation, any agreement between or among Merchant and any third party or parties;

»» Normal Business.
You shall offer for sale through your web site, if you are a Merchant, only products and services that are available for delivery in the normal course of your business;

»» Legal Products.
You shall offer Products for sale only if you have the legal right to market and sell such products or services in all applicable jurisdictions.

»» Changes in User Information.
Any and all information provided to us by you (collectively, "User Information") is and shall remain through unless otherwise agreed in writing by us;

»» Quartz-Pay Reputation.
You will maintain the value and reputation of Quartz-Pay to the best of its reasonable ability;

»» Notice of Errors.
You will immediately advise Quartz-Pay in writing of any errors in the Services;

»» Compliance with Laws.
You will conduct your business affairs in an ethical manner and in accordance with the terms and intent of this Agreement, and in compliance with all applicable laws and regulations;

»» Fraud.
You shall not use the Services in connection with any illegal or fraudulent business activities under any laws or regulations of any applicable jurisdiction;

»» Use of Services.
You shall not permit or authorize any other person or entity to use the Services without prior written consent of Quartz-Pay;

»» Personal Information Laws.
User shall transmit to Quartz-Pay only such information and data which has been collected and so transmitted in full compliance with all applicable Personal Information Laws (meaning all those applicable laws concerning the storage or transfer of personal information, including, without limitation and for which Quartz-Pay need obtain no additional consent to store, use and transmit to third parties in the performance of the Merchant Services; the Merchant shall not transmit to any third person any personal information concerning any person sent from Quartz-Pay to the Merchant unless Merchant has obtained prior written consent from Quartz-Pay;

»» No E-Cash or Aggregation.
Shall not use the Services in relation to the sale of any form of e-cash or other matter, tangible or not, that is redeemable by a Customer for a product or service from a third party, nor shall use the Services for any aggregation of payment services. Notwithstanding the foregoing, the Services may be used to purchase: E-Gold;

»» Consent for Change of Merchant Information.
You will not change or modify the Merchant Information without the prior written consent of Quartz-Pay;

»» Disclosure to Customers.
Prior to Quartz-Pay providing the Services in relation to a Customer, the Merchant shall deliver, by postal mail or e mail, its full legal name, street address, telephone number, and e mail address to each such Customer and provide Quartz-Pay access to records of such correspondence, upon request by Quartz-Pay;

»» Legal Counsel.
If you are a Merchant, you have had ample opportunity to obtain legal advice as to the legal effects of this Agreement; and

»» No Spam.
It shall not make any reference or link to Quartz-Pay, or any of its affiliates, services or products in any correspondence that is sent in violation of any applicable laws, including anti-spam laws.

»» Agency Relationship.
Quartz-Pay acts as a facilitator to help you accept payments from and make payments to third parties. We act as your agent based upon your direction and your requests to use our Services that require us to perform tasks on your behalf. Quartz-Pay will at all times hold your funds separate from its corporate funds, will not use your funds for its operating expenses or any other corporate purposes, and will not voluntarily make funds available to its creditors in the event of bankruptcy or for any other purpose. You acknowledge that Quartz-Pay is not a bank and the Service is a payment processing service rather than a banking service.

By initiating and sending payments through the Service or adding funds to your balance, you appoint Quartz-Pay as your agent to obtain the funds on your behalf and to transfer the funds to the recipient that you designate. When you send a payment, until that payment is accepted by the recipient (which may occur instantly), you remain the owner of those funds and Quartz-Pay holds those funds as your agent, but you will not be able to withdraw those funds or send the funds to any other recipient unless the initial transaction is cancelled.

By receiving payments through the Service, you appoint Quartz-Pay as your agent to cause the funds to be deposited on your behalf in the pooled accounts of Users of Quartz-Pay until you further instruct Quartz-Pay with respect to the transmission of your funds. Through the Site, you may provide instructions to withdraw the funds or transfer the funds to a third party, in each case subject to the terms and restrictions of this Agreement. If you receive a notice that a payment has been sent to you through Quartz-Pay but you have not registered for the Service, Quartz-Pay will not become your agent and you will have no claim to those funds unless and until you register for the Service and indicate your acceptance of the payment.

Quartz-Pay is only a Payment Service Provider. Quartz-Pay acts as a payment service provider by creating, hosting, maintaining and providing our Service to you via the Internet. We do not have any control over the Products that are paid for with our Service. We cannot ensure that a buyer or a seller you are dealing with will actually complete the transaction. We are not a party to any transaction between Users. Instead, each User agrees to procure the Services pursuant to this Agreement and contracts, at its own will with other you Users. We assume no liability and you shall indemnify us and hold us harmless for any liability with respect to disputes between yourself and another User over a Product or otherwise.

»» Identity Authentication.
We use many techniques to identify our users when they register on our site. Verification of users is only an indication of increased likelihood that a User's identity is correct. You authorize Quartz-Pay, directly or through third parties, to make any inquiries we consider necessary to validate your registration. However, because user verification on the Internet is difficult, Quartz-Pay cannot and does not guarantee any user's identity. Quartz-Pay makes no representation or warranty to you as to the identity of any given User.

You hereby authorize us to carry out a check of your credit rating with credit reporting agencies.

»» Release.
In the event that you have a dispute with one or more users, you release Quartz-Pay (and our officers, directors, agents, subsidiaries, joint ventures and employees) from any and all claims, demands and damages (actual and consequential) of every kind and nature arising out of or in any way connected with such disputes. We, our subsidiaries, employees and our suppliers provide our services "as is" and without any warranty or condition, express, implied or statutory. We, our parent, subsidiaries, employees and our suppliers specifically disclaim any implied warranties of title, merchantability, fitness for a particular purpose and non-infringement. Quartz-Pay shall make reasonable efforts to ensure that requests for electronic debits and credits involving bank accounts, credit cards, and check issuances are processed in a timely manner and but we make no representations or warranties regarding the amount of time needed to complete processing because our Service is largely dependant upon many factors outside of our control, such as delays in the banking system or mail service.

»» Limitation of Liability.
In no event shall we, our subsidiaries, employees or our suppliers be liable for any lost profits, special, incidental or consequential damages arising out of or in connection with the Site, our Service, or this Agreement (however arising, including negligence). Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages so the above limitation or exclusion may not apply to you. Under no circumstances shall our liability to you exceed the amount of the revenue earned from transactions carried out by you in the six months prior to the event giving rise to liability.

»» Indemnification.
You agree to indemnify and hold Quartz-Pay, subsidiaries, affiliates, officers, directors and employees harmless from any claim or demand (including attorneys' fees) made or incurred by any third party due to or arising out of your breach of this Agreement or the documents it incorporates by reference, or your violation of any law or the rights of a third party relating to your use of the Service.
You agree that, if either you or Quartz-Pay commence litigation or arbitration in connection with this paragraph, the prevailing party is entitled to recover reasonable attorneys' fees and any other costs incurred in such proceeding in addition to any other relief to which the prevailing party may be entitled.

»» Receiving Funds.
When you receive funds to your Quartz-Pay account, applicable transaction fees will be deducted for that transaction as listed in the fee schedule posted on the Site. A Personal account Non-Verified, also considered a starter account, allows the receiver to receive up to $300.00 per calendar month. Upon reaching this limit or surpassing it, the receiver is required to either upgrade his/her account or refuse payment to his/her account. There is no receiving limitation imposed upon a Verified or Certified.

»» Sending Funds.
Quartz-Pay assumes no responsibility for any purchases of Products purchased through the Quartz-Pay system. Quartz-Pay provides you a secure medium to transmit payments online. The Merchant assumes all liability for the Product being sold, and you understand that the Products are purchased at your own risk. Should you encounter any problems with the Products of a Merchant, you should contact Quartz-Pay immediately to assist you in resolving this problem following the Customer Complaint Process outlined below.

»» Verification.
Quartz-Pay highly encourages Users to become verified to increase account security of our online community. However, any account that does not become verified and has surpassed its receiving or sending limit will be assessed an additional over limit fee of 5% per transaction.

»» Account Type.
Fees are calculated according to the account type you have chosen. Choosing the appropriate account type is important to avoid additional fees. Any Merchant involved in MLM, adult or mature content, or businesses deemed high risk by Quartz-Pay, must select the Business plus account. Failure to select the appropriate account can result in closure of your account or fees being charged pro-rated to your account. Selecting from the proper account will also help protect your own account from complaints.

»» Returned Payment.
If you add funds via an EFT (Electronic Funds Transfer) and the amount is returned to Quartz-Pay as unpaid (due to NSF, account closed, stop payment, etc.) you will be liable for fees involved that is applied to Quartz-Pay at a rate of $15 per incident. Please ensure that you provide accurate data before initiating a bank transfer. In the event that funds are returned on withdrawal due to account closure, the same process will apply.

»» Chargeback.
A chargeback can occur when the sender disputes the charges incurred to his/her account (credit card or bank account) that was used to directly fund his/her Quartz-Pay account. Any account that receives funds which are deemed fraudulent by Quartz-Pay or have been disputed by the sender will be reversed from your account. You understand that if you receive any funds to your account funded by the sender's credit card or bank account (ACH transaction), in the event the credit card, or ACH transaction is reversed, you agree to hold Quartz-Pay harmless for the reversal amount incurred and agree to reimburse Quartz-Pay through your Quartz-Pay account or through other means. We highly recommend you to have a " Business Plus" Account wich including cargeback Prevention

»» Chargeback Fee.
Since Quartz-Pay is only a third party processor, all chargeback fees incurred will be passed along to the Merchant that is deemed responsible for triggering this action. Quartz-Pay will charge the person initiating the chargeback a $30.00 fee. Also, Quartz-Pay will assess a $30.00 fee to recipients of credit card or ACH payments. A chargeback, or reversal, occurs when a User rejects or reverses a charge on his or her credit card, or ACH transaction is reversed. This often occurs when the User is unsatisfied with the Merchant and has selected to dispute the charges with their funding option rather than contacting Quartz-Pay directly. In the event that you are responsible for the reversal of a fee payable to Quartz-Pay or any amount payable to another User, where such reversal is due to your default under one agreement with another User, or due to default hereunder, we reserve the right to terminate this Agreement immediately and confiscate any and all funds that may be held in your Account as compensation for the default.

»» Funds Recovery.
In the event that funds that were paid to you and were then disputed with Quartz-Pay by another User through a chargeback, Quartz-Pay will retrieve the funds if available from the senders account, if that is not available, it will be retrieved from the receivers Account for the original transaction. By using direct deposit as your withdrawal method, you authorize Quartz-Pay to retrieve any funds that have been disputed with Quartz-Pay to recover the lost monies, to and from the bank account that you have specified. If you received the amount by check, you agree that any negative balance in your Quartz-Pay account is liable to be paid by you, or your case will be turned over for a collection agency for recovery.

BUYER COMPLAINT PROCESS

Contact Seller: Before filing a claim, you should contact the Merchant and attempt to resolve the dispute. Most disputes can be solved with proper communication. If you are unable to resolve the dispute in this manner, you can file a claim in Quartz-Pays page "Contact us".

»» "Contact us" Page.
In the event of a dispute regarding a specific transaction arising between two Users, Quartz-Pay provides a Support page (Contact us) to handle all complaints. The parties should attempt to resolve disputes themselves prior to using our services. Quartz-Pay will only intervene should there be a clear violation of policy at which point Quartz-Pay will determine the outcome. Doing so protects buyers from fraudulent sellers, and protects the Merchants from false allegations of fraud.
If your claim is granted, Quartz-Pay will seek to collect from the Merchant by debiting the Merchants Quartz-Pay account. Recovery of your claim is not guaranteed. There may not be sufficient funds in the Merchant's account to pay any of your claim. In the event that we are unsuccessful in recovering any of these funds for you, you have no claim against us for them.

ACTIVITIES NOT ALLOWED

Your information and your activities, including payments and receipts of payments, through Quartz-Pay shall not, without limitation to other prohibitions set out herein:
Involve the sale of:
- illegal, counterfeit or stolen items.
- child pornography.
- controlled substances or illegal drugs, substances and items used to manufacture controlled substances and drug paraphernalia.
- stolen property
- any products or services deemed illegal by international law
- money laundering.
- any sale, solicitation, offering or exchange of child pornography
- Infringe on any third party's copyright, patent, trademark, trade secret or other property rights or rights of publicity or privacy.
- Violation of any law, statute, ordinance, contract or regulation, including, but not limited to, those governing financial services, consumer protection, unfair competition, anti-discrimination, or false advertising.
- Be misleading, false, or inaccurate in respect of Quartz-Pay or any other User.
- any activity similar to or consisting of providing yourself a cash advance from your credit card or bank account, or helping others to do so, or factoring.
- any defamatory, trade libelous, unlawfully threatening or unlawfully harassing statements are information.
- The creation of any liability for us or causing us to lose (in whole or in part) the services of our sponsoring banks, ISP's or other suppliers. If you use, or attempt to use the Service for purposes other than sending and receiving payments and managing your account, including but not limited to tampering, hacking, modifying or otherwise corrupting the security or functionality of Service, your account will be terminated and you will be subject to damages and other penalties, including criminal prosecution where available.
- any spamming.

»» Account Security.
Quartz-Pay implements various security levels and measures to protect your account.

»» Liability for Unauthorized Transactions.
You can inspect your transaction history at any time by logging in to your account on the Quartz-Pay website and clicking on the "All transaction" . It is very important that you contact us at once if you believe your user ID or password has been compromised, or if someone has transferred or may transfer money using your account without your permission. Under applicable regulations, the extent of your liability for an unauthorized transaction is largely determined by your promptness in notifying us if someone has gained access to your password, or if a transfer or withdrawal in your History statement. Notifying us quickly limits your liability.

CLOSING ACCOUNTS AND LIMITING ACCOUNT ACCESS

The term of this Agreement shall begin as of the moment of your acceptance of the terms hereof and shall continue so long as you use the Site or the Services, unless terminated pursuant terms hereof.

Quartz-Pay reserves the right to limit access to purchasing or making withdrawals from an Account, and the right to terminate this Agreement with no prior notice to you for any one of the events listed below:
- Reports of unauthorized or unusual credit card use associated with the account including, but not limited to, notice by the card issuing bank. This includes notices made by you to your credit card company that a transaction was unauthorized or your account compromised, and is done in order to protect you from further unauthorized use of your card;
- Reports of unauthorized or unusual bank account use associated with the account;
- Abuse by a buyer of the reversal process provided by the buyer's issuing bank;
- Consistent failure to pursue the Buyer Complaint Process described above before pursuing any alternate reversal process provided by the buyer's issuing bank;
- Initiation by a buyer of a reversal process through the buyer's issuing bank without first pursuing the Buyer Complaint process described below;
- Initiation of transactions considered to be cash advances or assisting in cash advances
- Sending unsolicited email or posting referral links on websites where they are not permitted;
- Opening multiple Personal accounts;
- The account has been used in or to facilitate fraudulent activity;
- Violations of this User Agreement;
- Return of an incoming Electronic Funds Transfer for insufficient funds in the bank account, incorrect bank routing number, or incorrect bank account number;
- Use of an anonymizing proxy;
- Receipt by Quartz-Pay of excessive complaints regarding your account, business or service;
- Any breach hereof.

Quartz-Pay will use reasonable efforts to investigate accounts that are subject to account access limitations and to reach a final decision on the limitations promptly. Should your account be restricted, all funds will be held for a period of time until the issue can become resolved. However depending on the reason of restriction, it may be held for a lesser period which will be determined at the discretion of the Account Specialist. By following the Quartz-Pay rules, you can help protect your account from being limited.

GENERAL

This Agreement is governed by and interpreted under the laws of the province of Delaware, USA as such laws are applied to agreements entered into and to be performed entirely within the province of Delaware. The parties hereto agree that this agreement is drafted and executed in the English language.

Quartz-Pay