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IMPORTANT - PLEASE READ CAREFULLY:
CASHDOCTOR™ END USER SUBSCRIPTION AGREEMENT IMPORTANT - PLEASE READ CAREFULLY:

This End User Subscription Agreement ("Agreement") constitutes a valid and binding agreement between Pro Planning Group, Inc. (together with its affiliates, successors and assigns "CASHDOCTOR.COM") and you ("you," or "your") for the use of the CASHDOCTOR.COM, Website and Services, as those terms are defined below. You must enter into this agreement in order to SUBSCRIBE to and use such CASHDOCTOR website. BY SUBSCRIBING TO AND USING THE CASHDOCTOR.COM WEBSITE, YOU AGREE TO BE BOUND BY THE TERMS OF THIS AGREEMENT. IF YOU DO NOT AGREE TO THE TERMS OF THIS AGREEMENT, DO NOT SUBSCRIBE TO THE CASHDOCTOR.COM WEBSITE.
1. Subscription Grant.
Subject to the terms of this Agreement, CASHDOCTOR.COM hereby grants you a limited, non-exclusive, non-sub licensable, non-assignable license to subscribe to, update and use the CASHDOCTOR.COM website, including any online or enclosed documentation, data distributed to your computer for processing and any future website features not requiring additional subscription fees. The CASHDOCTOR.COM website may only be used in connection with the services associated with your IMMEDIATE practice. As used herein, the term "PRACTICE" means your current place of business. All other locations directly owned by the subscriber, or affiliates will be required to subscribe individually.
2. Subscription Restrictions.
(a) Notwithstanding anything to the contrary, you may not: (i) remove any proprietary notices from the Services, CASHDOCTOR.COM or any copy thereof; (ii) cause, permit or authorize the modification, creation of derivative works, translation, reverse engineering, decompiling or disassembling or hacking of the CASHDOCTOR.COM website, the Services or the Network; (iii) sell, assign, rent, lease, act as a service bureau, or grant rights to the CASHDOCTOR.COM website or Services, including, without limitation, through sublicense, to any other entity without the prior written consent of Pro Planning Group, Inc.; (iv) export or re-export the CASHDOCTOR.COM website in violation of United States Copy write laws; (v) use the CASHDOCTOR.COM website or Services for any other purpose or the benefit of any third party or charge any person for the use of the CASHDOCTOR.COM website; or (vi) use the CASHDOCTOR.COM website or Services to, or in any way that would violate any applicable law, regulation or ordinance; (vii) collect any information or communication about the Network or users of the CASHDOCTOR.COM website or Services by monitoring, interdicting or intercepting any process of the CASHDOCTOR.COM website or the Network. Furthermore, you may not use the CASHDOCTOR.COM website or Services to develop, generate, transmit or store information that: (A) infringes any third party's intellectual property or other proprietary right;(B) is defamatory, harmful, abusive, obscene or hateful; (C) in any way obstructs or otherwise interferes with the normal performance of another person's and or companies use of the CASHDOCTOR.COM website or Services, (D) performs any unsolicited commercial communication not permitted by applicable law; (E) is harassment or a violation of privacy or threatens other people or groups of people; and (F) impersonates any other person, or steals or assumes any person's identity (whether a real identity or online nickname or alias).
(b) The CASHDOCTOR.COM website and Services contain confidential and trade secret information owned or licensed by CASHDOCTOR.COM, and you agree to take reasonable steps at all times to protect and maintain the confidentiality of such information.
(c) All modifications or enhancements to the CASHDOCTOR.COM website and Services remain the sole property of The CASHDOCTOR.COM. You understand that The CASHDOCTOR.COM, in its sole discretion, may modify or discontinue or suspend your right to access any of its Services or use any of the CASHDOCTOR.COM website at any time, and may at any time suspend or terminate any license hereunder and disable any The CASHDOCTOR.COM website you may already have accessed or installed without prior notice. The CASHDOCTOR.COM reserves the right to add additional features or functions to the CASHDOCTOR.COM website. When subscription is complete and current, The CASHDOCTOR.COM website periodically communicates with the CASHDOCTOR.COM website servers.
3. Proprietary Rights.
The CASHDOCTOR.COM website and Services contains proprietary and confidential information of Pro Planning Group, Inc. and its affiliated companies including copyrights, trade secrets and trademarks contained therein, which are protected by international copyright laws. Title to and ownership of the CASHDOCTOR.COM website, including without limitation all intellectual property rights therein and thereto, are and shall remain the exclusive property of Pro Planning Group, and except for the limited license granted to you, Pro Planning Group, Inc reserves all right, title and interest in and to CASHDOCTOR.COM website. You shall not take any action to jeopardize, limit or interfere with Pro Planning Group, inc’s ownership of and rights with respect to the CASHDOCTOR.COM website and Services. You acknowledge that any unauthorized copying or unauthorized use of CASHDOCTOR.COM website or Services is a violation of this Agreement and copyright laws and is strictly prohibited.
4. Term; Termination.
(a) This Agreement will be effective as of the date you accept this Agreement, thereby expressly agreeing to the terms and conditions set forth herein, and will remain effective until terminated by either party as set forth below.
(b) You may terminate this Agreement at any time provided you cease all use of the CASHDOCTOR.COM website and Services AND destroy or remove from all hard drives, networks, and other storage media all copies of CASHDOCTOR.COM website in your possession. Pro Planning Group, Inc. may terminate this Agreement at any time, with or without cause, by providing notice to you and/or preventing your access to the CASHDOCTOR.COM website and/or Services.
(c) Upon termination of this Agreement for any reason (i) all licenses and rights to use the CASHDOCTOR.COM website and the Services shall terminate and you must remove the CASHDOCTOR.COM website from your computer equipment and dispose of all originals and copies of the CASHDOCTOR.COM website in your possession, and (ii) Sections 2, 4, 5(b), and 7 through 13 shall survive such termination.
5. Payment.
You acknowledge that certain functions in the CASHDOCTOR.COM website are only available to paid subscribers. To subscribe to the Subscription Services you must agree to the terms and conditions of the Subscription Services. Fees are non-refundable.
6. Your Representations and Warranties.
(a) You represent and warrant that (i) you possess the legal right and ability to enter into this Agreement and to comply with its terms, (ii) you will use the CASHDOCTOR.COM website and Services for lawful purposes only and in accordance with this Agreement and all applicable laws, regulations and policies, (iii) you will not attempt to decompile, reverse engineer or hack the CASHDOCTOR.COM website or the Network or to defeat or overcome any encryption and/or other technical protection methods implemented by Pro Planning Group, Inc. with respect to the CASHDOCTOR.COM website and/or data transmitted, processed or stored CASHDOCTOR.COM website or other users of the CASHDOCTOR.COM website, (iv) you will not take any steps to interfere with or in any manner compromise any of CASHDOCTOR.COM website security measures, any other individual's or entity's computer on the Network and/or otherwise sharing Services, (v) you will always provide and maintain true, accurate, current and complete information as requested by CASHDOCTOR.COM website, and (vi) you will only use the CASHDOCTOR.COM website and Services on a computer on which such use is authorized by the computer's owner.
(b) You agree that you will not use any automatic or manual device or process to interfere or attempt to interfere with the proper working of the CASHDOCTOR.COM website, Network or Services, except to remove the CASHDOCTOR.COM website from a computer of which you are an owner or authorized user in a manner permitted by this Agreement. You may not violate or attempt to violate the security of the CASHDOCTOR.COM website, Network or Services. Pro Planning Group, Inc. reserves the right to investigate occurrences which may involve such violations, and may involve, and cooperate with, law enforcement authorities in prosecuting users who have participated in such violations.
(c) If Pro Planning Group, Inc. has reasonable grounds to suspect that your representations, warranties or promises are inaccurate or breached, Pro Planning Group, Inc. may terminate this license, deny any or all use of the CASHDOCTOR.COM website and/or Services, and pursue any appropriate legal remedies.
7. Indemnity.
You agree to indemnify, hold harmless and defend Pro Planning Group, Inc. and its affiliates, parent companies, subsidiaries, officers, directors, employees, agents and network service providers at your expense, against any and all third-party claims, actions, proceedings, and suits and all related liabilities, damages, settlements, penalties, fines, costs and expenses (including, without limitation, reasonable attorneys' fees and other dispute resolution expenses) incurred by Pro Planning Group, Inc. arising out of or relating to your (a) violation or breach of any term of this Agreement or any policy or guidelines referenced herein, or (b) use or misuse of the CASHDOCTOR.COM website and/or Services.
8. Disclaimer of Warranties.
(a) THE CASHDOCTOR.COM website AND SERVICES ARE PROVIDED "AS IS" AND THERE ARE NO WARRANTIES, CLAIMS OR REPRESENTATIONS MADE BY Pro Planning Group, Inc. EITHER EXPRESS, IMPLIED, OR STATUTORY, WITH RESPECT TO THE CASHDOCTOR.COM website OR SERVICES, INCLUDING WARRANTIES OF QUALITY, PERFORMANCE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE, NOR ARE THERE ANY WARRANTIES CREATED BY COURSE OF DEALING, COURSE OF PERFORMANCE, OR TRADE USAGE. PRO PLANNING GROUP, INC. FURTHER DOES NOT REPRESENT OR WARRANT THAT THE CASHDOCTOR.COM website OR ANY SERVICES WILL ALWAYS BE AVAILABLE, ACCESSIBLE, UNINTERRUPTED, TIMELY, SECURE, ACCURATE, COMPLETE, AND ERROR-FREE.
(b) YOU ACKNOWLEDGE THAT THE ENTIRE RISK ARISING OUT OF THE USE OR PERFORMANCE OF THE CASHDOCTOR.COM website AND SERVICES REMAINS WITH YOU TO THE MAXIMUM EXTENT PERMITTED BY LAW.

9. Limitation of Liability.
(a) IN NO EVENT SHALL PRO PLANNING GROUP, INC., ITS AFFILIATES, PARENT COMPANIES, SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR NETWORK SERVICE PROVIDERS BE LIABLE WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE (WHETHER ACTIVE, PASSIVE OR IMPUTED), PRODUCT LIABILITY OR STRICT LIABILITY OR OTHER THEORY), FOR ANY INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES (INCLUDING WITHOUT LIMITATION ANY SERVICE INTERRUPTION, COMPUTER FAILURE OR PECUNIARY LOSS) ARISING OUT OF THE USE OR INABILITY TO USE THE CASHDOCTOR.COM website OR THE SERVICES, EVEN IF PRO PLANNING GROUP, INC. HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
(b) YOUR ONLY RIGHT WITH RESPECT TO ANY PROBLEMS OR DISSATISFACTION WITH THE CASHDOCTOR.COM website AND/OR SERVICES IS TO UNINSTALL AND CEASE USE OF SUCH CASHDOCTOR.COM website AND SERVICES.
(c) As some jurisdictions do not allow some of the exclusions set forth in this Section 10, some of these exclusions may not apply to you.

10. General Provisions.
Pro Planning Group, Inc. reserves all rights not expressly granted herein. Pro Planning Group, Inc. may modify this Agreement at any time by providing such revised Agreement to you or posting the revised Agreement on its website located at www.cashdoctor.com. Your continued use of the CASHDOCTOR.COM website and/or Services shall constitute your acceptance of such revised Agreement. You may not assign this Agreement or any rights hereunder. Nothing in this Agreement shall constitute a partnership or joint venture between you and Pro Planning Group, Inc.. Should any term or provision hereof be deemed invalid, void or unenforceable either in its entirety or in a particular application, the remainder of this Agreement shall nonetheless remain in full force and effect. The failure of Pro Planning Group, Inc. at any time or times to require performance of any provision hereof shall in no manner affect its right at a later time to enforce the same unless the same is waived in writing. This Agreement shall be governed by and construed in accordance with the laws of the State of Florida without regard to its conflict of law rules. Any legal proceeding arising out of / or relating to this Agreement will be subject to the exclusive jurisdiction of any court of the State of Florida and you irrevocably consent to the jurisdiction of such courts. The terms set forth in this Agreement and any related service agreements constitute the final, complete and exclusive agreement with respect to use of the CASHDOCTOR.COM website and/or Services and may not be contradicted, explained or supplemented by evidence of any prior agreement, any contemporaneous oral agreement or any consistent additional terms. Pro Planning Group, Inc. may at its sole discretion assign this Agreement to a subsidiary or sister company, without giving prior notice.
YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ THIS AGREEMENT AND UNDERSTAND THE RIGHTS, OBLIGATIONS, TERMS AND CONDITIONS SET FORTH HEREIN. BY CONTINUING TO SUBSCRIBE TO CASHDOCTOR.COM, YOU EXPRESSLY CONSENT TO BE BOUND BY ITS TERMS AND CONDITIONS AND GRANT TO SKYPER THE RIGHTS SET FORTH HEREIN.
24 January 2004


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