Terms of use:

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE. 

By using the AFHolding.nyc website (the “Site”), you agree to follow and to adhere to these terms of use (the “Terms of Use”) and agree to comply with all applicable laws and regulations, including United States export and re-export control laws and regulations. In these Terms of Use, the words “you” and “your” refer to each customer, Site visitor, or Application user, “we”, “us” and “our” refer to AF Holding and “Services” refers to all services provided by AF Holding. 

It is your responsibility to review these Terms of Use from time to time. If at any time you find these Terms of Use unacceptable or if you do not agree to these Terms of Use, please do not use this Site. We may revise these Terms of Use at any time without alerting you. If you have any questions about these Terms of Use, please contact us at info@afholding.nyc. 

YOU AGREE THAT BY USING THE SITE, ANY APPLICATIONS, AND THE SERVICES, THAT YOU ARE AT LEAST 18 YEARS OF AGE AND YOU ARE LEGALLY ABLE TO ENTER INTO A CONTRACT. 

These Terms of Use require the use of arbitration on an individual basis to resolve disputes, instead of through jury trials or class actions, and also limit the solutions available to you in the event of a dispute. 

Occasionally, AF Holding may perform some attorney access services and introduce our visitors to attorneys through various practices, including but not limited to (i) legal plans, (ii) third party attorney directory listings, and (iii) third party limited scale agreements. At no time is an attorney-client relationship adopted or created with AF Holding through the implementation of any such services. 

This Site and Applications are not meant to create any attorney-client relationship, and your use of AF Holding does not and will not create an attorney-client relationship between you and AF Holding. Instead, you are and will be representing yourself in any legal matter you assume through AF Holding’s legal document service. 

1. Privacy Policy:

AF Holding respects your privacy and permits you to control the treatment of your personal information. A complete statement of AF Holding’s current Privacy Policy can be found by requesting it from us on the contact page. AF Holding’s Privacy Policy is clearly incorporated into this Agreement by mention. 

When you open an account to use or access certain portions of the Site, Applications, or the Services, you must provide complete and authentic information as requested on the registration form. You will also be asked to provide a user name and password. You are entirely responsible for maintaining the concealment of your user name and password. You may not use a third party’s account, user name, or password at any time. You agree to inform AF Holding immediately of any unauthorized use of your account, user name, or password. AF Holding shall not be liable for any losses you incur as a result of someone else’s use of your account or password, either with or without your knowledge. You may be held liable for any losses incurred by AF Holding, our affiliates, associates, officers, directors, employees, consultants, agents and representatives, due to someone else’s use of your account user id or password. 

In relation with the use of certain AF Holding products or services, you may be asked to provide personal information in a questionnaire, application, form or similar document or service. This information will be protected in accordance with our Privacy Policy. In addition, you grant AF Holding a worldwide, royalty-free, non-exclusive, and fully sub-license to use, distribute, reproduce, modify, publish and translate this personal information solely for the purpose of enabling your use of the related service. You may withdraw this license and terminate rights held by AF Holding at any time by removing your personal information from the applicable service. 

2. Ownership:

This Site and Applications are owned and operated by AF Holding. All rights, titles and interests in and to the materials provided on this Site and Applications, including but not limited to information, documents, logos, slogans, graphics, sounds and images (the “Materials”) are owned either by AF Holding or by our respective third party authors, developers or vendors (“Third Party Providers”). Except as otherwise expressly provided by AF Holding, none of the Materials may be copied, reproduced, republished, downloaded, uploaded, posted, displayed, transmitted or distributed in any way, and nothing on this Site or on any Applications shall be interpreted to confer any license under any of AF Holding’s intellectual property rights, whether by estoppel, suggestion or otherwise. See the “Legal Contact Information” below if you have any questions about acquiring such licenses. AF Holding does not sell, license, lease or otherwise provide any of the Materials other than those specifically identified as being provided by AF Holding. Any rights not explicitly granted here, are reserved by AF Holding. 

3. Limited Permission to Download:

AF Holding hereby grants you permission to download, view, copy and print the Materials on any single, stand-alone computer (or, for Microsoft Agave users, one copy of the Application on up to five devices affiliated with your Marketplace Windows Live ID account) solely for your personal, informational, non-commercial use provided that (i) where provided, the copyright and trademark notices appearing on any Materials not be altered or removed, (ii) the Materials are not used on any other website or in a networked computer environment and (iii) the Materials are not revised in any way, except for authorized editing of downloadable forms for personal use. This permission terminates automatically without notice if you breach any of the terms or conditions of these Terms of Use. On any such termination, you agree to immediately destroy any downloaded or printed Materials. Any unauthorized use of any Materials contained on this Site or Applications may violate copyright laws, trademark laws, laws of privacy and publicity and communications regulations and statutes. 

4. Links to Third Party Sites:

This Site and Applications may contain links to websites controlled by parties other than AF Holding (each a “Third Party Site”). AF Holding works with many partners and affiliates whose sites are linked with AF Holding. AF Holding may also furnish links to other references or resources with whom it is not affiliated. AF Holding is not responsible for and does not endorse or accept any responsibility for the availability, contents, products, services or use of any Third Party Site, any website accessed from a Third Party Site or any changes or updates to such sites. AF Holding makes no guarantees about the content or quality of the products or services provided by such sites. AF Holding is not responsible for webcasting or any other form of transmission received from any Third Party Site. AF Holding is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by AF Holding of the Third Party Site, nor does it imply that AF Holding sponsors, is affiliated or associated with, guarantees, or is legally authorized to use any trade name, registered trademark, logo, legal or official seal, or copyrighted symbol that may be spoken of in the links. You hereby acknowledge that you bear any and all risks associated with access to and use of content provided on a Third Party Site and agree that AF Holding is not responsible for any loss or damage of any sort that you may incur from dealing with a third party. You should contact the site administrator for the applicable Third Party Site if you have any concerns concerning such links or the content located on any such Third Party Site. 

License to Use:

AF Holding permits you a limited, personal, non-exclusive, non-transferable license to use our forms (the “Forms”) for your own personal, internal business use, or if you are an attorney or professional, for your client. Except as otherwise provided, you acknowledge and agree that you have no right to modify, revise, edit, copy, reproduce, create derivative works of, reverse engineer, alter, enhance or in any way exploit any of the Forms in any manner, except for modifications in filling out the Forms for your authorized use. You shall not remove any copyright notice from any Form. 

Resale of Forms Prohibited:

By ordering or downloading Forms, you agree that the Forms you purchase or download may only be used by you for your personal or business use or used by you in association with your client and may not be sold or redistributed without the express written consent of AF Holding.

5. Dispute resolution by binding arbitration:(Please read this carefully. It affects your rights}:

Summary:

Most customer concerns can be resolved quickly and to the customer’s satisfaction by emailing us at info@afholding.nyc. In the unlikely event that the AF Holding Customer Care Center is unable to resolve your complaint to your satisfaction (or if AF Holding has not been able to resolve a dispute it has with you after attempting to do so informally), we each agree to resolve those disputes through needful arbitration or in small claims court, rather than in a court of general jurisdiction. Arbitration is less formal than a lawsuit in court. Arbitration uses a neutral arbitrator instead ofa judge or jury, allows for more limited detection than a court does, and is subject to very limited evaluation by courts. Any arbitration under these Terms will take place on an individual basis. Class arbitrations and class actions are not permitted. While in some cases, upfront costs to file an arbitration claim may exceed similar costs to bring a case in court, for any non-trivial claim that does not exceed $75,000, AF Holding will pay all costs of the arbitration. Furthermore, in arbitration, you may recover attorney’s fees from AF Holding to the same extent or more than you would in court. The arbitrator shall apply the same limitations period that would apply in court. 

Under certain conditions (as explained below), AF Holding will pay you more than the amount of the arbitrator’s award and will pay your attorney (if any) his or her reasonable attorney’s fees if the arbitrator awards you an amount greater than what AF Holding offered you to settle the dispute. 

You may speak with independent counsel before using this Site or finalizing any purchase. 

Arbitration Agreement:

(a) AF Holding and you agree to arbitrate all differences and claims between us before a single arbitrator. The types of disputes and claims we agree to arbitrate are anticipated to be broadly clarified. It applies, without limitation, to: claims arising out of or relating to any aspect of the relationship between us, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal system;claims that happened before these or any prior Terms (including, but not limited to, claims relating to advertising);claims that are presently the subject of alleged class action litigation in which you are not a member of a certified class; and claims that may arise after the termination of these Terms.For the purposes of this Arbitration Agreement, references to “AF Holding,” “you,” and “us” include our respective subsidiaries, affiliates, agents, associates, employees, business partners, predecessors in interest, successors, and assigns, as well as all authorized or unauthorized users or beneficiaries of services or products under these Terms or any prior agreements between us. Beneficiaries include, but are not limited to, those named in an estate planning document. Regardless of the preceding, either party may bring an individual action in small claims court. This arbitration agreement does not prevent your bringing issues to the attention of federal, state, or local agencies. Such agencies can, if the law allows, seek relief against us on your behalf. You agree that, by entering into these Terms, you and AF Holding are each waiving the right to a trial by jury or to participate in a class action. These Terms evidence a transaction or website use in interstate commerce, and thus the Federal Arbitration Act (“FAA”) directs the interpretation and enforcement of this provision. This arbitration provision will survive termination of these Terms. 

(b) A party who intends to seek arbitration must first send, by U.S. certified mail, a written Notice of Dispute (“Notice”) to the other party. A Notice to AF Holding should be addressed to: Notice of Dispute, General Counsel, AF Holding, 14 Wall Street, 20th Floor, New York, NY 10005. (the “Notice Address”). The Notice must (a) describe the nature and core of the claim or dispute and (b) set forth the specific relief requested (“Demand”). If AF Holding and you do not reach an agreement to resolve the claim within 30 days after the Notice is received, you or AF Holding may initiate an arbitration proceeding. During the arbitration, the amount of any settlement offer made by AF Holding or you shall not be disclosed to the arbitrator until after the arbitrator determines the amount, if any, to which you or AF Holding is entitled. 

(c) After AF Holding receives notice at the Notice Address that you have started arbitration, it will promptly reimburse you for your payment of the filing fee, unless your claim is for more than $75,000. (Currently, the filing fee for consumer-initiated arbitrations is $200, but this is subject to change by the arbitration provider. If you are unable to pay this fee, AF Holding will pay it directly after receiving a written request at the Notice Address.) The arbitration will be governed by the Consumer Arbitration Rules (the “AAA Rules”) of the American Arbitration Association (the “AAA”), as modified by these Terms, and will be administered by the AAA. The AAA Rules are available online at www.adr.org or by calling the AAA at 1-800-778-7879. The arbitrator is required to abide by these Terms. All issues are for the arbitrator to decide, except those issues relating to the scope, enforce-ability, and interpretation of the arbitration provision and the scope, enforce-ability, and interpretation of paragraph (f) are for the court to decide. Unless AF Holding and you agree otherwise, any arbitration hearings will take place in the county of your contact address. If your claim is for $10,000 or less, you may choose whether the arbitration will be handled solely on the basis of documents submitted to the arbitrator, by a telephonic hearing, or by an in-person hearing as governed by the AAA Rules. If you choose to proceed either in person or by telephone, we may choose to respond only by telephone or submission. If your claim exceeds $10,000, the AAA Rules will ascertain whether you have a right to a hearing. The parties agree that in any arbitration of a dispute or claim, neither party will rely for restrictive effect on any award or finding of fact or conclusion of law made in any other arbitration of any dispute or claim to which AF Holding was a party. Except as otherwise provided for here, AF Holding will pay all AAA filing, administration, and arbitrator fees for any arbitration initiated in accordance with the notice requirements above. If, however, the arbitrator finds that either the validity of your claim or the relief requested in the Demand is trivial or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all such fees will be governed by the AAA Rules. In such case, you agree to reimburse AF Holding for all monies previously paid by AF Holding that are otherwise your obligation to pay under the AAA Rules. In addition, if you initiate an arbitration in which you seek relief that is valued at more than $75,000 (excluding attorney’s fees and expenses), the payment of these fees will be governed by the AAA rules. 

(d) If, after finding in your favor in any respect on the merits of your claim, the arbitrator issues you an award that is greater than the value of AF Holding’s last written settlement offer made before an arbitrator was chosen, then AF Holding will: pay you either the amount of the award or $2,000 (“the alternative payment”), whichever is greater; and pay your attorney, if any, the amount of attorney’s fees, and return any expenses (including expert witness fees and costs), that your attorney reasonably accumulates for investigating, preparing, and pursuing your claim arbitration (the “attorney’s payment”). If AF Holding did not make a written offer to settle the dispute before an arbitrator was chosen, you and your attorney will be authorized to receive the alternative payment and the attorney’s fees, respectively, if the arbitrator awards you any relief on the merits. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees, expenses, and the alternative payment and the attorney’s fees at any time during the proceeding and upon request from either party made within 14 days of the arbitrator’s ruling on the merits. In assessing whether an award that includes attorney’s fees or expenses is greater than the value of AF Holding’s last written settlement offer, the arbitrator shall include in his or her calculations only the value of any attorney’s fees or expenses you reasonably incurred in connection with the arbitration proceeding before AF Holding’s settlement offer. 

(e) The right to attorney’s fees and expenses discussed in paragraph (d) supplements any right to attorney’s fees and expenses you may have under applicable law. Thus, if you would be entitled to a larger amount under applicable law, this provision does not prohibit the arbitrator from awarding you that amount. However, you may not recover duplicate awards of attorney’s fees or costs. Although under some laws AF Holding may have a right to an award of attorney’s fees and expenses if it prevails in an arbitration proceeding, AF Holding will not seek such an award. 

(f) The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief justified by that party’s individual claim. You and AF Holding agree that each may bring claims against the other only in your or its individual capacity, and not as plaintiffs or class members in any intended class or representative proceeding, or in the capacity of a private attorney general. Further, unless both you and AF Holding agree otherwise, the arbitrator may not combine more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding. The arbitrator may award any relief that a court could award that is personalized to the claimant only, and would not affect other customers. Neither you nor we may seek non-individualized relief that would affect other customers. If a court decides that applicable law prohibits enforcement of any of this paragraph’s limitations as to a particular claim for relief, then that claim (and only that claim) must be separated from the arbitration, and may be brought in court. 

(g) If the amount in dispute exceeds $75,000 or either party seeks any form of injunctive relief, either party may appeal the award to a three-arbitrator panel administered by AAA by a written notice of appeal within thirty (30) days from the date of entry of the written arbitration award. An award of injunctive relief shall be suspended during any such appeal. The members of the three-arbitrator panel will be selected in adherence to AAA rules. The three-arbitrator panel will issue its decision within one hundred and twenty (120) days of the date of the appealing party’s notice of appeal. The decision of the three-arbitrator panel shall be final and binding, subject to any right of judicial review that exists under the FAA. 

(h) Apart from any provision in the applicable Terms to the contrary, we agree that if we make any future change to this arbitration provision (other than a change to any notice address, website link or telephone number provided herein), that change will not apply to any dispute of which we had written notice on the effective date of the change. Furthermore, if we seek to terminate this arbitration provision, any such termination will not be effective until at least thirty (30) days after written notice of such termination is provided to you, and shall not be effective as to disputes which arose prior to the date of the termination. 

7. Additional Terms:

Some AF Holding Services may be subject to additional announced guidelines, rules or terms of service (“Additional Terms”) and your use of such Services will be predicated on your agreement to the Additional Terms. If there is any conflict between these Terms of Use and the Additional Terms, the Additional Terms will control for that Service, unless the Additional Terms expressly state that these Terms of Use will control. 

8. Reviews, Comments, Communications, and Other Content:

At various locations on the Site or through Applications, AF Holding may permit visitors to post ratings, reviews, comments, questions, answers, and other content (the “User Content”). Contributions to, access to and use of the User Content is subject to this paragraph and the other terms and conditions of these Terms of Use. 

Rights and Responsibilities of AF Holding:

AF Holding is not the publisher or author of the User Content. AF Holding takes no responsibility and undertakes no liability for any content posted by you or any third party. 

Although we cannot make an unequivocal guarantee of system security, AF Holding takes reasonable steps to maintain security. If you have reason to believe system security has been breached in any way, contact us by email for help. 

If AF Holding’s technical staff finds that files or processes belonging to a member pose a threat to the proper technical operation of the system or to the security of other members, AF Holding reserves the right to delete those files or to stop those processes. If the AF Holding technical staff suspects a user name is being used by someone who is not authorized by the proper user, AF Holding may temporarily disable that user’s access in order to preserve system security. In all such cases, AF Holding will contact the member as soon as feasible. 

AF Holding has the right (but not the obligation), in our sole and complete discretion, to edit, redact, remove, re-categorize to a more appropriate location or otherwise change any User Content. 

Rights and Responsibilities of AF Holding Users or Other Posters of User Content:

You are legally and morally responsible for any User Content – writings, files, pictures or any other work – that you post or transmit using any AF Holding service that allows interaction or for the distribution of information. In posting User Content, you agree that you will not submit any content, 

a) that is known by you to be false, inaccurate or misleading;

b) that violates anyone’s copyright, patent, trademark, trade secret or other proprietary rights or rights of publicity or privacy. (Please see Compliance with Intellectual Property Laws below);

c) that violates any law, statute, ordinance, or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination, or false advertising). Please see Compliance with Export Restrictions below;

d) that is, or may sensibly be considered to be, defamatory, libelous, hateful, racially or religiously biased or offensive, unlawfully threatening or unlawfully harassing, or advocates or encourages illegal conduct harmful to any individual, partnership or corporation. Please see Inappropriate Content below; e) that includes advertisements, spam, or content for which you were rewarded or granted any consideration by any third party; f) that includes information that references other websites, addresses, email addresses, phone numbers, or other contact information; g) that contains any computer virus, worms, or other potentially damaging computer programs or files; h) that otherwise violates these Terms of Use.

Attorneys that submit User Content and provide advice do so at their own risk. Under United States federal law, you retain copyright on all works you create and post as User Content, unless you choose specifically to repudiate it. In posting a work as User Content, you allow other members who have access to that service to make personal and conventional use of the work, including creating links or re-posting, but not otherwise to reproduce or distribute it unless you give permission for such distribution. 

You grant AF Holding an ongoing, irreversible, royalty-free, transferable right and license to use, copy, modify, delete in its entirety, adapt, publish, translate, create derivative works from, sell, distribute, and/or incorporate such content into any form, medium, or technology throughout the world, without compensation to you. You have the right to remove any of your works from User Content at any time. 

You are not required to provide your real name when signing up as a user of AF Holding. AF Holding permits anonymous or pseudonymous accounts. Any user may request that such member’s email address be hidden to provide for additional privacy. 

Ratings and reviews will generally be posted in two to four business days. 

By submitting your email address in connection with your rating and review, you agree that AF Holding may use your email address to contact you about the status of your review and for other managerial purposes. 

9. NO WARRANTY:

THE SITE, APPLICATIONS, AND ALL MATERIALS, DOCUMENTS OR FORMS PROVIDED ON OR BY YOUR USE OF THE SITE OR APPLICATIONS, ARE PROVIDED ON AN “AS IS” AND ON AN “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, AF HOLDING EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, WORTHINESS  FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. 

AF HOLDING MAKES NO GUARANTEE THAT: (A) THE SITE, APPLICATIONS, OR THE MATERIALS WILL MEET YOUR REQUIREMENTS; (B) THE SITE, APPLICATIONS, OR THE MATERIALS WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE BASIS; (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE, APPLICATIONS, OR ANY MATERIALS OFFERED THROUGH THE SITE OR APPLICATIONS, WILL BE ACCURATE OR RELIABLE; OR (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE, APPLICATIONS, OR IN RELIANCE ON THE MATERIALS, WILL MEET YOUR EXPECTATIONS. 

OBTAINING ANY MATERIALS THROUGH THE USE OF THE SITE OR APPLICATIONS IS DONE AT YOUR OWN DISCRETION AND AT YOUR OWN RISK. AF HOLDING SHALL HAVE NO RESPONSIBILITY FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY CONTENT, MATERIALS, INFORMATION OR SOFTWARE. 

IN SPITE OF THE ABOVE, AF HOLDING OFFERS A 60 DAY SATISFACTION GUARANTEE, THE TERMS OF WHICH ARE AVAILABLE BY REQUEST. THIS DISCLAIMER OF GUARANTEE DOES NOT APPLY TO THE PURCHASE OF PRODUCTS OR SERVICES BY NORTH CAROLINA CONSUMERS. 

10. LIMITATION OF LIABILITY AND INDEMNIFICATION:

EXCEPT AS PROHIBITED BY LAW, YOU WILL HOLD AF HOLDING AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, HARMLESS FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGE, HOW- EVER IT ARISES (INCLUDING ATTORNEYS’ FEES AND ALL RELATED COSTS AND EXPENSES OF LITIGATION AND ARBITRATION, OR AT TRIAL OR ON APPEAL, IF ANY, WHETHER OR NOT LITIGATION OR ARBITRATION IS INSTITUTED), WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT, INCLUDING WITHOUT LIMITATION ANY CLAIM FOR PERSONAL INJURY OR PROPERTY DAMAGE, ARISING FROM THIS AGREEMENT AND ANY VIOLATION BY YOU OF ANY FEDERAL, STATE, OR LOCAL LAWS, STATUTES, RULES, OR REGULATIONS, EVEN IF AF HOLDING HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. EXCEPT AS PROHIBITED BY LAW, IF THERE IS LIABILITY FOUND ON THE PART OF AF HOLDING, IT WILL BE LIMITED TO THE AMOUNT PAID FOR THE PRODUCTS AND/OR SERVICES, AND UNDER NO CIRCUMSTANCES WILL THERE BE CONSEQUENTIAL OR PUNITIVE DAMAGES. SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE PRIOR LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. THIS PARAGRAPH DOES NOT APPLY TO NORTH CAROLINA CONSUMERS. 

11. Unsolicited Submissions:

Except as may be required in connection with your use of AF Holding services, AF Holding does not want you to submit confidential or proprietary information to us through this Site . All comments, feedback, information or material submitted to AF Holding through, or in association with, this Site shall be considered non-confidential and AF Holding’s property. By providing such submissions to AF Holding, you hereby assign to AF Holding, at no charge, all worldwide rights, title, interest in and to the submissions, and any intellectual property rights associated therewith. AF Holding shall be free to use and/or disseminate and distribute such submissions on an unrestricted basis for any purpose. You acknowledge that you are responsible for the submissions that you provide, including their legality, reliability, appropriateness, accuracy, originality and content. 

12. Compliance with Intellectual Property Laws:

When accessing AF Holding or using the AF Holding legal document preparation service, you agree to obey the law and you agree to respect the intellectual property rights of others. Your use of the Service and the Site is at all times governed by and subject to laws regarding copyright, trademark and other intellectual property ownership. You agree not to upload, download, display, perform, transmit or otherwise distribute any information or content in violation of any third party’s copyrights, trademarks or other intellectual property or proprietary rights. You agree to abide by laws pertaining to copyright ownership and use of intellectual property, and you shall be solely responsible for any violations of any relevant laws and for any infringements of third party rights caused by any content you provide or transmit or that is provided or transmitted using your AF Holding user account.

AF Holding has adopted a policy that provides for the immediate removal of any content, article or materials that have infringed on the rights of AF Holding or of a third party or that generally violate intellectual property rights. AF Holding’s policy is to remove such infringing content or materials, and investigate such allegations immediately. 

Copyright Infringement: 

Notice: AF Holding has in place certain legally mandated procedures regarding allegations of copyright infringement occurring on the Site or with the Service. The Company has adopted a policy that provides for the immediate suspension and/or termination of any Site or Service user who is found to have infringed the rights of the Company or of a third party, or otherwise violated any intellectual laws or regulations. The Company’s policy is to act quickly upon the receipt of proper notification of claimed copyright infringement, to remove or disable access to the allegedly infringing content. If you have evidence, know, or have an educated belief that your rights or the rights of a third party have been violated, and you want the Company to delete, edit, or disable the material in question, you must provide the Company with the following information in writing (see 17 U.S.C 512(c)(3) for further details): (1) A live, physical or electronic signature of a person authorized to act on behalf of the owner of the exclusive right that is supposedly infringed; (2) naming of the copyrighted work claimed to have been infringed, or, if numerous copyrighted works at a single online site are covered by a single notification, a representative needs to list such works at that site; (3) Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit the service provider to locate the material; (4) Information reasonably sufficient to permit the Company to contact you, such as an address, telephone number, and, if available, email address; (5) A statement that you have a good faith belief that the use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (6) A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

The above written information must be sent to our registered Copyright Agent: 

Copyright Agent:
c/o AF Holding

14 Wall Street, 20th Floor

New York, NY 10005

info@afholding.nyc 

Counter-Notice:

If you believe that your Content that was removed (or to which access was disabled) is not infringing, or that you have the authorization from the copyright owner, the copyright owner’s agent, or pursuant to the law, to post and use the material in your Content, you may send a written counter-notice containing the following information to the Copyright Agent: (1) Your physical or electronic signature; (2) Identification of the Content that has been removed or to which access has been disabled and the location at which the Content appeared before it was removed or disabled; (3) A statement that you have a good faith belief that the Content was removed or disabled as a result of mistake or a misidentification of the Content; and (4) Your name, address, telephone number, and email address, a statement that you consent to the authority of the federal court in Austin, Texas,and a statement that you will accept service of process from the person who provided notification of the alleged          infringement. If a counter-notice is received by the Copyright Agent, the Company may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed Content or cease disabling it in 10 business days. Unless the copyright owner files an action seeking a court order against the Content provider, member or user, the removed Content may be replaced, or access to it restored, in 10 to 14 business days or more after receipt of the counter-notice, at the Company’s sole discretion. 

13. Inappropriate Content:

When accessing the Site, any Applications, or using AF Holding’s Services, you agree not to upload, download, display, perform, transmit or otherwise distribute any content that: (i) is libelous, defamatory, obscene, pornographic, abusive or threatening; (b) advocates or encourages conduct that could constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or foreign law or regulation; or (c) advertises or otherwise solicits funds or is a solicitation for goods or services. AF Holding reserves the right to terminate or delete such material from its servers. AF Holding will cooperate fully with any law enforcement officials or agencies in the investigation of any violation of these Terms of Use or of any applicable laws. 

14. Compliance with Export Restrictions:

You may not access, download, use or export the Site, Applications, or the Materials, in violation of United States export laws or regulations or in violation of any other applicable laws or regulations. You agree to comply with all export laws and restrictions and regulations of any United States or foreign agency or authority and to assume sole responsibility for obtaining licenses to export or re-export as may be required. You acknowledge and agree that the Materials are subject to the United States Export Administration Laws and Regulations and agree that none of the Materials or any direct product therefrom is being or will be acquired for, shipped, transferred or re-exported, directly or indirectly, to proscribed or embargoed countries or their nationals or used for any unlawful purpose. 

15. Personal Use:

The site is made available for your personal use on your own behalf. 

16. Children: Minors are not eligible to use the Site or Applications and we ask that they do not submit any personal information to us.

17. Customers Needing Extra Assistance:

AF Holding seeks to provide full access to its website and product offerings, regardless of disability. If you are unable to read any part of the AF Holding website, or otherwise have difficulties using the AF Holding website, please email us at info@afholding.nyc, and our customer care team will assist you. 

18. Governing Law; Venue.

Any legal action or proceeding relating to your access to or use of the Site, an Application, or Materials is governed by the Arbitration Agreement contained in paragraph 6 of these Terms of Use. These Terms of Use expressedly exclude and disclaim the terms of the U.N. Convention on Contracts for the International Sale of Goods, which shall not apply to any transaction conducted through or otherwise involving this Site or an Application. 

19. Copyrights:

All Site design, text, graphics, the selection and arrangement thereof, Copyright ©AF Holding, Inc. ALL RIGHTS RESERVED. 

20. Trademarks:

The AF Holding logo, all images and text, and all page headers, custom graphics and button icons are service marks, trademarks and/or trade dress of AF Holding. All other trademarks, product names and company names or logos cited herein are the property of their respective owners. 

21. Use of Testimonials and Media Endorsements:

The media hosts on the Site endorse AF Holding as the paid spokespeople in our advertising campaigns. 

22. Inquiries:

By using AF Holding’s services or accessing the AF Holding site or applications, you acknowledge and accept that submitting your telephone number to AF Holding via the AF Holding site or applications constitutes an inquiry to AF Holding, and that AF Holding may contact you at the number submitted even if such number appears on any state or federal do not call lists (taking into account inquiry exception time frames as appropriate). 

23. Right to Refuse:

You acknowledge that AF Holding reserves the right to refuse service to anyone and to cancel user access at any time. 

24. Acknowledgement:

by using AF Holding’s services or accessing the AF Holding site or applications, you acknowledge that you have read these terms of use and agree to be bound by them.