This document (the "Agreement") is a legal agreement between Game Time Budgeting, LLC, an Ohio Limited Liability Company (“GTB”) and you, a user (“you” or “your”) of one of Game Time’s products (e.g., Game On Financial Fitness Virtual Experience). 

YOU AGREE TO BE BOUND BY THE TERMS OF THIS AGREEMENT BY CLICKING ANY “ACCEPT” BUTTON ASSOCIATED WITH THIS AGREEMENT OR BY DOWNLOADING, INSTALLING, ACCESSING, OR OTHERWISE USING THE GAME TIME BUDGETING PRODUCT TO WHICH THIS AGREEMENT RELATES. 

Non-Transferability. Your right to enroll and take the Course is not transferable. Any password or right given to you to obtain information is not transferable. You shall not solicit, sell, offer, redeem, or otherwise provide or transfer the Course to any person or entity. 

Our Commitment to Privacy. GTB recognizes its responsibility to treat with care the information it collects about individuals and institutions involved in financial education and to respect their privacy relative to sensitive data concerning them. Your use of the GTB Web site and participation in GTB applications and surveys signifies your understanding of the GTB privacy notice and consent to the collection and use of your information as designated below. 

What Information We Collect and How We Use It. It is important for you to know that in order to ensure that our customers get the very best service and the highest quality products, GTB, at times, may collect demographic (e.g., name, address, email) and biographical information. This information comes either directly from you or your program application. Gathering this information helps us to identify our customers and manage our customer relationships. It also assists us in the development of products and services to meet the continuing needs of our customers. 

Personal Information. As part of GTB applications, programs, and surveys, we collect certain personal information to provide you with the services requested and to engage in research for specific, defined purposes. Such personal information may include names, identification numbers, contact information, and other biographical information. In addition to using it to provide a particular program or service, information collected as part of the registration process also may be used for educational research or verification purposes by GTB. 

We Respect Your Privacy. Since some of the information we gather is not publicly available, we take great care to ensure that this information is kept safe from unauthorized access. Access to collected data is restricted to only those GTB staff members who require the access for specific purposes, such as providing services to you or performing research. Messages that you send to us by e-mail may not be secure. We recommend that you do not send any confidential information to us by e-mail. If you choose to send confidential information to us via e-mail, you accept the risk that a third party may intercept this information. 

Disclaimer. GTB will endeavor to update the training program as needed. However, information can change without notice and GTB does not guarantee the accuracy of information, including information provided by third parties, at any particular time. Every effort has been made to ensure 2 that the information provided is accurate. Individuals must not rely on this information to make a financial or investment decision. Before making any decision, we recommend you consult a financial planner to take into account your particular investment objectives, financial situation and individual needs. GTB does not give any warranty as to the accuracy, reliability or completeness of information which is contained in this program. Except insofar as any liability under statute cannot be excluded, GTB, its employees, and subcontractors do not accept any liability for any error or omission or for any resulting loss or damage suffered by the recipient or any other person. Unless otherwise specified, copyright of information provided is owned by GTB. You may not reproduce, alter or modify this information in any way, including the removal of the copyright notice. 

Legal Statement. Information provided through this program is general in nature and does not constitute financial, insurance, legal, or other professional advice. While all reasonable care has been taken in providing this information, unless expressly stated, it should not be construed as being specific to your investment objectives, financial situation or particular needs. We will endeavor to update the program as soon as practicable after changes. However, information can change without notice and we do not guarantee the accuracy of information, including information provided by third parties, at any particular time. Further, we disclaim any liability for loss, damage, cost or other expense which you may incur as a result of any information provided, to the extent that such liability is not excluded by law. 

BY ENROLLING IN THE COURSE, YOU ACKNOWLEDGE AND GIVE CONSENT THAT IT IS YOUR INTENTION TO EXPRESSLY ASSUME ALL RISK AND ANY OTHER LIABILITY UPON YOURSELF, TO THE EXCLUSION OF GTB AND ALL GTB PARTIES, AND TO EXEMPT GTB AND ALL GTB PARTIES FROM LIABILITY FOR LOSS, DAMAGE, PERSONAL INJURY, PROPERTY DAMAGE, FINANCIAL COSTS, DEATH, OR ANY OTHER LIABILITIES. 

By enrolling in the Course, you signify your acceptance of the terms in this Agreement. If you do not agree to these terms, please do not enroll in the Course. Your continued enrollment in the Course following the posting of changes to these terms will be deemed your acceptance of those changes