COPYRIGHT

Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by SPOTLIGHT unless otherwise indicated.

TRADEMARKS

SPOTLIGHT CAPITAL HOLDINGS, INC., ITS LOGO, corporate colors and certain phrases are trademarked by SPOTLIGHT and are used and registered globally under section 36 regarding cyber security and online payments. SPOTLIGHT and their affiliates or subsidiaries also claim rights in other specified trademarks and service marks contained in these web pages as designated.

USE OF INFORMATION AND MATERIALS

The information and materials contained in these web pages, the terms, conditions and descriptions that appear, are subject to change. Unauthorized use of SPOTLIGHT's web site and payment protection systems including but not limited to unauthorized entry into SPOTLIGHT's unique software-hardware communication and online payment transaction systems, misuse of passwords, or misuse of any information posted on this website is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular membership products and services is subject to final determination by SPOTLIGHT and/or its affiliates. Monthly membership services are not considered a bank deposit. The purchase transactions are insured by an insurance entity first approved by SPOTLIGHT's C-Level management and then contracted by SPOTLIGHT. A portion of all Membership fees are utilized to support insurance, membership services and database security.

NO WARRANTY

THE INFORMATION AND MATERIALS CONTAINED IN THIS WEB SITE INCLUDING; TEXT, GRAPHICS, LINKS OR OTHER ITEMS ARE PROVIDED "AS IS and AS AVAILABLE". SPOTLIGHT DOES NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF INFORMATION AND MATERIALS FROM EXTERNAL LINKS AND ADVERTISING ENTITIES AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS FROM THIS INFORMATION AND MATERIALS. NO WARRANTY OF ANY KIND WHETHER IMPLIED, EXPRESSED OR STATUTORY INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT BY THIRD PARTY RIGHTS, TITLES, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM ANY COMPUTER VIRUS, IS SPECIFICALLY GIVEN IN CONJUNCTION WITH THE INFORMATION AND MATERIALS ASSOCIATED WITH THE SPIRIT OF SPOTLIGHT'S WEBSITE.

LIMITATION OF LIABILITY

IN NO EVENT WILL SPOTLIGHT BE LIABLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, LOSSES OR EXPENSES ARISING IN CONNECTION WITH THIS WEBSITE OR ANY LINKED WEBSITE OR USE THEREOF OR INABILITY TO USE THIS WEBSITE BY ANY PARTY OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE; EVEN IF SPOTLIGHT, OR REPRESENTATIVES THEREOF, ARE ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

SUBMISSIONS

All information submitted to SPOTLIGHT via this Website shall be deemed and remain the property of SPOTLIGHT and SPOTLIGHT shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information a visitor to this website may from time to time provide to SPOTLIGHT via this website. SPOTLIGHT shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the SPOTLIGHT membership program having the direct customer relationship or as otherwise specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing SPOTLIGHT's responsibilities and obligations to customers in accordance with the SPOTLIGHT Privacy Policy.

LINKS

THIS WEBSITE MAY CONTAIN LINKS TO OTHER WEBSITES CONTROLLED OR OFFERED BY THIRD PARTIES (NON-AFFILIATES OF SPOTLIGHT). SPOTLIGHT HEREBY DISCLAIMS LIABILITY FOR, ANY INFORMATION, MATERIALS, PRODUCTS OR SERVICES POSTED OR OFFERED AT ANY OF THE THIRD-PARTY SITES LINKED TO THIS WEBSITE. BY CREATING A LINK TO A THIRD-PARTY WEBSITE, SPOTLIGHT DOES NOT ENDORSE OR RECOMMEND ANY PRODUCTS OR SERVICES OFFERED OR INFORMATION CONTAINED AT THAT WEBSITE, NOR IS SPOTLIGHT LIABLE FOR ANY FAILURE OF PRODUCTS OR SERVICES OFFERED OR ADVERTISED AT THOSE SITES. SUCH THIRD-PARTY MAY HAVE A PRIVACY POLICY DIFFERENT FROM THAT OF SPOTLIGHT AND THE THIRD-PARTY WEBSITE MAY PROVIDE LESS SECURITY THAN THE SPOTLIGHT WEBSITE.

AVAILABILITY

This Web Site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

ADDITIONAL TERMS

Certain sections or pages on this web site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

GOVERNING LAW

Use of this web site shall be governed by all applicable Federal laws of the United States of America and the laws of the States of Texas, California, Colorado and Nevada.