Terms and Conditions

Website Terms of Use Agreement ("Website Terms")

This Website Terms of Use Agreement ("Website Terms") is between you and FORWARD Corporations, including its past, present, or future parents, subsidiaries, affiliates, predecessors, assignees, successors, and their respective agents, employees, directors, officers, partners, and members (whether acting in their corporate or individual capacity) ("FORWARD," "we," "us," or "Company"), with a principal place of business at [Insert Address]. Notwithstanding any language in the Website Terms to the contrary, the Website Terms have the same effect as a written agreement and govern your use of this site and its content (the "Website"), your engagement of FORWARD’s services, your request that FORWARD contact you about its services, and/or your participation in FORWARD’s Text Message Program. FORWARD’s "Text Message Program" includes sending text messages to FORWARD and/or receiving text messages from FORWARD.

BY USING THE WEBSITE, ENGAGING FORWARD’S SERVICE(S), PURCHASING FORWARD’S PRODUCT(S), REQUESTING THAT FORWARD CONTACT YOU ABOUT ITS PRODUCTS AND/OR SERVICES, AND/OR PARTICIPATING IN FORWARD’S TEXT MESSAGE PROGRAM, YOU SIGNIFY YOUR AGREEMENT TO THE WEBSITE TERMS.

FORWARD's Privacy Policy applies to your use of FORWARD’s website, all services provided by us, your request that FORWARD contact you about its products and/or services, and/or your participation in FORWARD’s Text Message Program, and its terms are made a part of the Website Terms. To view FORWARD’s Privacy Policy, click HERE. By using FORWARD’s website, engaging our service(s), purchasing our product(s), requesting that FORWARD contact you about its services, and/or participating in FORWARD’s Text Message Program, you acknowledge you have reviewed FORWARD’s Privacy Policy and agree to its terms.

FORWARD's Refund Policy applies to any purchase you make from FORWARD and/or through this website, and its terms are made a part of the Website Terms. To view FORWARD’s Refund Policy, click HERE. By using FORWARD’s website, purchasing our product(s) and/or engaging our service(s), requesting that FORWARD contact you about its services, and/or participating in FORWARD’s Text Message Program, you acknowledge you have reviewed FORWARD’s Refund Policy and agree to its terms.

FORWARD's FTC Disclosures apply to any purchase you make from FORWARD and/or through this website, and its terms are made a part of the Website Terms. To view FORWARD’s FTC Disclosures, click HERE. By using FORWARD’s website, purchasing our product(s) and/or engaging our service(s), requesting that FORWARD contact you about its services, and/or participating in FORWARD’s Text Message Program, you acknowledge you have reviewed FORWARD’s FTC Disclosures and agree to its terms.

BY USING FORWARD’S WEBSITE, ENGAGING FORWARD’S SERVICE(S), PURCHASING FORWARD’S PRODUCT(S), REQUESTING THAT FORWARD CONTACT YOU ABOUT ITS PRODUCTS AND/OR SERVICES, AND/OR PARTICIPATING IN FORWARD’S TEXT MESSAGE PROGRAM, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND FORWARD ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PART OF ANY CLASS. A "CLAIM" IS ANY CASE, CONTROVERSY, DISPUTE, TORT, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND FORWARD, INCLUDING BUT NOT LIMITED TO ANY ALLEGED STATE OR FEDERAL STATUTORY VIOLATION, OR ANY DISPUTE OVER THE INTERPRETATION OF THE WEBSITE TERMS OR THE ARBITRABILITY OF ANY CLAIM PURSUANT TO THE WEBSITE TERMS. THIS AGREEMENT TO ARBITRATE GOVERNS ALL PAST, CURRENT, AND PROSPECTIVE INTERACTIONS WITH FORWARD. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST FORWARD IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST FORWARD IN ANY JURISDICTION IN THE UNITED STATES. ARBITRATION SHALL BE BY WRITTEN-SUBMISSION ONLY, WITHOUT ANY PHYSICAL PRESENCE REQUIRED. FORWARD WILL REIMBURSE YOU UP TO $300 OF YOUR ARBITRATION FILING FEE. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION THEN IN FORCE SHALL GOVERN THE ARBITRATION (provided, however, that the terms of the Website Terms shall control over any inconsistency between the Rules of the American Arbitration Association and the Website Terms). The arbitrator shall have the authority to interpret the Website Terms, including but not limited to the authority to decide whether any claim is arbitrable under the Website Terms and to decide issues related to the scope of arbitration, the rules of arbitration, the arbitrator’s jurisdiction, and the enforceability of the Website Terms. The arbitrator shall not, however, under any circumstance, ever be allowed nor authorized to award punitive or exemplary damages against FORWARD for any reason. You agree that the Website Terms involve commerce under 9 U.S.C. §§ 1 et seq. and that this Arbitration Clause is governed by federal law, including the Federal Arbitration Act. The remainder of the Website Terms is governed by the laws of the state of [Insert State].

About The Website Terms

The Website is a service made available by FORWARD. If you do not agree to the Website Terms, you may not use the Website. We may modify the Website Terms at any time. If you do not agree to the changes, you must discontinue using the Website, discontinue using FORWARD’s services, rescind your request that FORWARD contact you about its services, and/or discontinue your participation in FORWARD’s Text Message Program before the changes take effect. Your continued use of the Website, use of FORWARD’s product(s) and/or service(s), request that FORWARD contact you about its products and/or services, and/or participation in FORWARD’s Text Message Program after any such changes take effect constitutes your acceptance of such changes. Each time you visit or log in to the Website, continue using FORWARD’s product(s) and/or service(s), continue your request that FORWARD contact you about its product(s) and/or service(s), and/or participate in FORWARD’s Text Message Program, you reaffirm your acceptance of the Website Terms. You are responsible for regularly reviewing the Website Terms by clicking on the "Terms of Use" link at the bottom of the website. The Website Terms may be supplemented by additional terms and conditions applicable to privacy, specific areas of this Website, or to where particular content or transactions are posted in particular areas of the Website, and together with the Website Terms, govern your use of those areas, content, or transactions.

About the Website

The Website gives users information about FORWARD’s products and services, general educational and informational resources, and the ability to purchase FORWARD’s products and services.

Engagement of FORWARD’s Services

You are not required to engage FORWARD’s services or purchase FORWARD’s products to visit and read material on the Website; however, you will need to engage FORWARD’s services or purchase FORWARD’s products if you want us to assist you in your efforts to obtain our services. If you engage FORWARD, you agree to provide accurate and complete information. You must be legally capable of entering into contracts. It is your responsibility to make any updates to your sign-up information. Each engagement is for a single client only. We do not permit any other person to engage FORWARD’s services on behalf of another unless you have an appropriate Power of Attorney. You are responsible for preventing such unauthorized use. If you believe there has been unauthorized use, you should notify FORWARD immediately by emailing [Insert Contact Email]. If you participate in FORWARD’s Text Message Program after you engage FORWARD, you may stop receiving servicing text messages by texting STOP (and no other words or characters) to the short code from which you received the FORWARD text message(s). Almost all STOP requests are taken care of immediately, but it may take up to 3 business days from the date you text STOP to be removed from FORWARD’s texting list(s). Note that texting STOP in response to a servicing text message will only stop servicing text messages, and will only stop text messages to the phone number you used to text STOP.

Client Files

Should you choose to engage FORWARD’s services or purchase FORWARD’s products, you will enter into a separate written agreement with FORWARD. Each client file we create in conjunction with this separate written agreement is called a "Client File." Your Client File will continue to be subject to the agreements otherwise governing them, except where so noted in the related agreement.

Each Client File will be subject to the following:

• The terms or instructions appearing on a screen when using the service;
• FORWARD’s policies and procedures applicable to the Client File and the online service;
• Applicable state and federal laws and regulations.

Access to Client Files

We currently do not provide online access to client files.

Ownership

The Website contains information, content or advertisements, text, photographs, designs, graphics, images, sound and video recordings, animation, and other materials and effects (collectively, the "Content") that are protected by copyrights, trademarks, service marks, trade dress, patents, or other intellectual or proprietary rights owned by FORWARD or other third parties. All trademarks and copyrighted information contained on the Website are the property of their respective owners. Further, FORWARD retains all rights (including intellectual property rights), title, and interest in the Website, technology, and all underlying technology and data, including any enhancements, software, applications, and improvements related to the Website (the "Technology"). The terms Content and Technology collectively will be referred to as "Materials."

FORWARD grants you a limited, personal, non-exclusive, and non-transferable license to use and display the Materials only on your personal computer or other Internet-compatible devices for your own personal use. Except as otherwise stated herein, you have no right to print, download, copy, reproduce, distribute, transmit, publicly display, publicly perform, modify, sell, or create derivative works of any Materials or any portion thereof, without the prior written consent of FORWARD. This means that you may not post any Materials to any other website or network computer environment without the prior written consent of FORWARD. Further, you may not decompose, reverse engineer, disassemble, or otherwise deconstruct all or any portion of the Website.

General Prohibitions

You may not:

• Use the Website in a manner that could damage, disable, overburden, or impair the Website or interfere with any other party's use and enjoyment of the Website.
• Attempt to gain unauthorized access to any restricted Website, other accounts, computer systems, or networks connected to any FORWARD server, through hacking, password mining, or any other means.
• Obtain or attempt to obtain any materials or information through any means not intentionally made available through the Website.
• Use the Website in any manner that could damage, disparage, or otherwise negatively impact FORWARD.
• Engage in any conduct that violates the Website Terms, including, but not limited to, making any unauthorized commercial use of the Website, interfering with any third party's ability to use or enjoy the Website, or engaging in any conduct that infringes on the intellectual property rights of FORWARD or any third party.
• Reverse engineer, decompile, disassemble, translate, or otherwise alter any executable code, contents, or materials on or received via the Website.
• Use the Website in a manner inconsistent with any applicable law or regulation.

Reliance on Information Posted

The information presented on or through the Website is made available solely for general information purposes. FORWARD does not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. FORWARD disclaims all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Website, or by anyone who may be informed of any of its contents.

Changes to the Website

FORWARD may update the content on the Website from time to time, but its content is not necessarily complete or up-to-date. Any of the material on the Website may be out of date at any given time, and FORWARD is under no obligation to update such material.