1. Agreement Between North-West-Consulting and User

This is a binding agreement ("Agreement") between the North-West-Consulting ("NWC") and you, the user ("You" or "Your") and governs Your use of all portions of http://www.nwcsfo.com/ ("NWC's Web Site"), and any associated material or functionality contained on NWC's Web Site. NWC's Web Site is offered to You conditioned on Your acceptance, without modification, of the terms and conditions contained herein. By using NWC's Web Site, You confirm Your acceptance of and agree to be bound by, this Agreement and all such terms, conditions and notices.

see also: Privacy Statement

2. Modification of These Terms of Use

NWC reserves the right to change the terms and conditions of this Agreement from time to time as we deem appropriate. Such changes, modifications, additions or deletions shall be effective immediately upon posting unless otherwise indicated. NWC has no duty or obligation to inform prior users of NWC's Web Site that changes have been made, regardless of the scope and importance of the changes. You are responsible for regularly reviewing these terms and conditions. Your non-termination or continued use of NWC's Web Site after changes are posted constitutes Your acceptance of this Agreement as modified by the posted changes. NWC may change, restrict access to, suspend, or discontinue NWC's Web Site, or any portion of NWC's Web Site, at any time.

3. No Professional Advice

The information and materials available through NWC's Web Site are for informational and educational purposes only and are not a substitute for the professional judgment of legal or financial professionals. The financial, scientific, legal, research and general information included on NWC's Web Site may reflect innovations and opinions not universally shared and does not necessarily reflect the view of NWC. Your use of NWC's Web Site does not create an attorney-client relationship between you and NWC or between you and any of NWC's employees or representatives.

USE OF THE INFORMATION CONTAINED ON NWC'S WEBSITE REQUIRES THE INVOLVEMENT OF TRAINED INDIVIDUALS AND YOUR RELIANCE UPON INFORMATION AND MATERIALS OBTAINED BY YOU AT OR THROUGH NWC'S WEBSITE OR FROM NWC'S STAFF IS SOLELY AT YOUR OWN RISK. NWC HAS NO CONTROL OR RESPONSIBILITY FOR YOUR USE OF THE INFORMATION OR MATERIALS PROVIDED ON NWC'S WEBSITE AND HAS LIMITED KNOWLEDGE OF THE SPECIFIC OR UNIQUE CIRCUMSTANCES UNDER WHICH SUCH INFORMATION MAY BE USED BY YOU. THE PARTIES AGREE THAT NWC IS NOT ENGAGED IN THE PRACTICE OF FINANCIAL SERVICES AND NWC DOES NOT PROVIDE LEGAL ADVICE. YOUR USE OF THE INFORMATION PROVIDED ON NWC'S WEBSITE IS NOT A SUBSTITUTE FOR LEGAL ADVICE OR PROFESSIONAL FINANCIAL JUDGMENT.

4. Privacy Statement

NWC will operate NWC's Web Site in accordance with its Privacy Statement, which is incorporated into this Agreement by this reference and which may be viewed by following this link to the Privacy Statement. BY CONSENTING TO THIS TERMS OF USE AGREEMENT FOR NWC'S WEBSITE, YOU CONSENT TO THIS PRIVACY STATEMENT.

5. Usage of NWC's Web site

You represent and warrant to NWC that You will not use NWC's Web Site (i) for any unlawful purpose or in any manner prohibited by this Agreement or (ii)in any manner which could damage, disable, overburden or impair NWC's Web Site or interfere with any other party's use and enjoyment of NWC's Web Site.

The NWC Members Only portion of NWC's Web Site ("Members Only Site") will be accessible only to dues-paying members of NWC ("Members") and is governed by the terms and conditions contained herein and NWC Community Terms of Use. You agree that when using NWC's Web Site, You will not:

  • Violate any applicable laws or regulations;
  • Send, publish, post, upload, distribute or disseminate any information that may violate antitrust law, including without limitation past, current, or future fees; fee discounts provided; terms of credit; price and pricing information; inventories; commission information; profit information, including what is a reasonable or fair profit margin;
  • Upload information that contains material protected by intellectual property laws, including without limitation material protected by patent, copyright, trademark (such as NWC's logo), or trade secrets, or by rights of privacy of publicity unless You own or control the rights thereto or have received all necessary consents;
  • Falsify or delete author attributions, legal or other proper notices or proprietary designations indicating the origin or source of information that is uploaded or downloaded from NWC's Web Site;
  • Send, publish, post, upload, distribute or disseminate any inappropriate, threatening, abusive, profane, defamatory, infringing, obscene, indecent, or otherwise objectionable materials, or any materials which encourage conduct that would constitute a criminal offense, give rise to civil liability or violate any law, or contain any advertising or any solicitation with respect to products or services;
  • How you can correct any inaccuracies in your information.
  • Harass, abuse, threaten or otherwise violate any legal rights of others;
  • Attack, ridicule, denounce, impugn a person's character, or impute immoral or dishonorable attributes to members on the basis of race or ethnicity, gender, age, religion, national origin, disability, or sexual orientation;
  • Upload viruses, corrupted files or any other software or information that may damage the operation of another's computer or network;
  • Use NWC's Web Site for commercial purposes, including, but not limited to, advertisements, promotions, offers to buy or sell goods or services, surveys, contests, pyramid schemes, or sponsorship banners;
  • Use NWC's Web Site to forward chain letters;
  • Violate any of NWC's policies, guidelines or other codes of conduct which are applicable to NWC's Web Site or in particular to one of NWC's Web Services;
  • Reproduce, re-transmit or re-present in any form, in whole or in part, any content, programming code, images or graphics without express written permission of NWC;
  • Frame, squeeze back, overlay or employ other techniques to enclose or display the NWC Web Site, or any trademark, logo, content or other proprietary information (including images, text, page layout, or form) included on the NWC Web Site, with any other software or content of a third party;
  • Use any meta tags or any other "hidden text" utilizing the names or trademarks of NWC without its prior written consent;
  • Access, monitor or copy any content or information of this Web Site using any "robot", "spider", "deep link", "scraper" or other automated means, methodology, algorithm or device or any manual process for any purpose; or
  • Violate any of NWC policies, guidelines or other codes of conduct.

NWC has no obligation to screen or monitor NWC's Web Site; however, NWC reserves the right to review information or materials posted to NWC's Web Site, to remove any such information or materials in its sole discretion, and to use any other forms of information available to us by virtue of Your use of NWC's Web Site. NWC reserves the right at all times, in its sole discretion, to refuse to post, delete, move, edit or to remove any information or materials from NWC's Web Site, including without limitation any information or materials posted through use of NWC's Web Site, regardless of whether such material does or does not violate this Agreement or any of NWC's policies, guidelines, or other codes of conduct which are applicable to NWC's Web Site or in particular to one of NWC's web services.

NWC DOES NOT CONTROL OR ENDORSE THE CONTENT, MESSAGES OR INFORMATION FOUND IN ANY PORTION OF NWC'S WEBSITE, AND NWC SPECIFICALLY DISCLAIMS ANY LIABILITY WITH REGARD TO NWC'S WEBSITE. NWC DOES NOT ENDORSE OR OTHERWISE VERIFY THE ACCURACY, TRUTHFULNESS OR RELIABILITY OF ANY INFORMATION PROVIDED ON NWC'S WEBSITE UNLESS IT IS PROVIDED BY AN AUTHORIZED NWC SPOKESPERSON. ANY STATEMENTS MADE ON NWC'S WEBSITE REFLECT ONLY THE VIEWS OF THEIR AUTHORS, AND YOUR RELIANCE ON ANY SUCH CONTENT IS AT YOUR OWN RISK. NWC'S WEBSITE WILL BE MANAGED OR HOSTED BY EITHER EMPLOYEES OR MEMBERS OF NWC, WHO ARE NOT AUTHORIZED NWC SPOKESPERSONS, AND THEIR VIEWS OR ACTIONS IN MANAGING OR HOSTING NWC'S WEBSITE DO NOT NECESSARILY REFLECT THOSE OF NWC.

6. Accounts, Passwords and Security

Certain features or services offered on or through NWC's Web Sites require a user identification and password to access and use, and certain services may require additional codes. You are solely responsible for (1) maintaining the strict confidentiality of the user identification, passwords and codes ("Member Information") assigned to You; (2) charges, damages or losses that may be incurred or suffered as a result of Your or Your personnel's failure to maintain the strict confidentiality of Member Information; and (3) promptly informing NWC in writing of any need to deactivate or replace any Member Information due to security concerns. NWC is not liable for any harm related to the theft of Your Member Information, Your disclosure of Your Member Information, or Your authorization to allow another person or entity to access and use the Members Only Site using Your Member Information. You agree to notify NWC immediately as soon as You become aware of any unauthorized use of Your Member Information. Notice to NWC under this section of the Agreement may be accomplished by sending e-mail to This email address is being protected from spambots. You need JavaScript enabled to view it.

7. Product Information and Warranties

At NWC we advertise and offer for sale our products and other third-party products. Unless indicated otherwise, most products and services featured on the site are available directly from or through NWC's Web Site. NWC has made a conscientious effort to display and describe its products and services on NWC's Web Site accurately so that You may preview their design and use; however, NWC cannot and does not warrant or guarantee the accuracy or completeness of the information, including prices, product images, specifications, fitness for use, reliability, availability and services. Products and services provided by third parties are the responsibility of the manufacturer or provider of those services.

If a product offered by NWC on NWC's Web Site is not as described, your sole remedy is to return it pursuant to our Quality Guarantee. Warranty information regarding any products and services featured on NWC's Web Site is available at no cost to You by e-mailing the NWC Product Sales Department at This email address is being protected from spambots. You need JavaScript enabled to view it.

RECEIVING AN ORDER ACKNOWLEDGEMENT VIA E-MAIL DOES NOT GUARANTEE THE ACCEPTANCE OF AN ORDER. NWC RESERVES THE RIGHT TO LIMIT THE QUANTITY OF ITEMS ORDERED AND/OR REFUSE TO SELL TO ANY CUSTOMER.

ALL ITEMS PURCHASED FROM NWC ARE MADE PURSUANT TO A SHIPMENT CONTRACT. THIS MEANS THAT THE RISK OF LOSS AND TITLE FOR SUCH ITEMS PASS TO YOU UPON OUR DELIVERY TO THE CARRIER.

Online Orders

NWC requests information from its users to purchase products, renew dues, register for conferences, and make donations; such information includes contact information (such as name and shipping address) and financial information (such as credit card number, expiration date, etc.). This information is primarily used by NWC and third parties designated by NWC for billing and to fill customer orders, but may be used by NWC, or third parties designated by NWC, for other business purposes. For example, if there is a problem processing an order, this information may be used to contact the user.

8. Copyright and Trademark Ownership, Notices and Infringement

Copyrights:

All contents of NWC's Web Site are: Copyright ©2013-2017 NWC. All rights reserved.

NWC's Web Site and the content displayed on NWC's Web Site and all software, data and information used to provide NWC's Web Site, including text and images, method of display and presentation, source code, embedded routines and programs and other materials, as well as all copyrights, trademarks, patents, and other intellectual property rights therein or thereto, are owned and are proprietary to NWC, its affiliate and licensees and are protected by the copyright laws of the United States and other countries. The compilation of the content on NWC's Web Site is the exclusive property of NWC and is protected by the copyright laws of the United States and other countries.

  • NWC does not claim ownership of the individual materials or information You may provide to NWC, including without limitation feedback, suggestions, posts, uploads, inputs, or submissions (collectively, a "Submission") to NWC's Web Site. However, if You provide a Submission, You: Represent and warrant that You own or otherwise control all of the rights to Your Submission including, without limitation, all the rights necessary for You to provide, post, upload, input or submit the Submission and license or sublicense the Submission; and
  • Grant NWC, its affiliated entities and necessary sub-licensees a non-exclusive, irrevocable, worldwide, sub-licensable, transferable, perpetual, unlimited, assignable, fully paid up and royalty-free right to copy, display, edit, publish, prepare derivative works of, distribute, process, analyze, use and commercialize, in any way now known or in the future discovered, such Submissions (or any content or materials contained therein), including without limitation the rights to publish Your name in connection with Your Submission. NWC will not pay You compensation with respect to the use of Your Submission.

You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from NWC's Web Site, without the prior written permission of NWC. Please refer to the copyright statement for further information and for details on requesting permission to reuse our content.

NWC grants You the limited and non-exclusive right and license to access or download content from NWC's Web Site solely for Your personal and non-commercial use and as necessary in connection with the use of any services available through NWC's Web Site. Except as expressly authorized in this Agreement, You may not modify, distribute, reproduce, display, or use NWC's Web Site or any elements thereof. All rights not expressly granted to You by us in this Agreement are reserved to NWC and You acknowledge that You do not acquire any ownership rights by accessing or downloading copyrighted material from NWC's Web Site as authorized hereunder.

Any rights not expressly granted herein are reserved.

Trademarks:

Nothing in this Agreement or its performance shall grant You any right, title, interest, or license in or to NWC's names, logos, logotypes, trade dress, designs, or other trademarks. Trademarks: TBA

Any rights not expressly granted herein are reserved.

Repeat Infringer Policy and Copyright Complaints:

In accordance with the Digital Millennium Copyright Act (DMCA) and other applicable law NWC has adopted a policy of terminating, in appropriate circumstances and in NWC's sole discretion, accounts deemed to be repeat infringers. NWC may also, in its sole discretion, limit access to NWC's Web Site and/or terminate any account used in connection with the infringement of any intellectual property rights, whether or not there is repeat infringement. If you believe that any user of NWC's Web Site or any account holder has engaged in repeat infringement of your copyrighted materials on or in connection with NWC's Web Site, you may provide our designated agent with information about your allegations of repeat infringement.

If you believe in good-faith that anything on NWC's Web Site infringes any copyright that you own or control, you may file a written notification of alleged copyright infringement with our designated agent that contains the following:

  • A physical or electronic signature of a person authorized to act on behalf of the owner of a right that is allegedly infringed;
  • Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single website are covered by a single notification, a representative list of such works at that website;
  • 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 NWC to locate the material;
  • Information reasonably sufficient to permit NWC to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted;
  • A statement that the complaining party has a good-faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
  • A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

The alleged infringer may provide our designated agent with a proper counter-notification. To be effective, the counter-notification must be a written communication that includes the following information:

  • The counter-notifying party's physical or electronic signature;
  • Identification of the material that has been removed or disabled and the location where the material was before its removal or disablement;
  • A statement, under penalty of perjury, that the party has a good faith belief that the material was removed or disabled as a result of mistake or misidentification;
  • The counter-notifying party's name, address, phone number, and a statement that the party consents to the jurisdiction of a Federal District Court for the District of California; and
  • A statement that the counter-notifying party will accept service of process from the person who provided NWC with notification or an agent of such a person.

Notifications and counter-notifications may be sent to the following address: This email address is being protected from spambots. You need JavaScript enabled to view it.

9. Links to Third Party Web Sites

NWC's Web Site may contain links to third-party websites. The third-party websites are not under the control of NWC, and NWC is not responsible for the contents of any third-party websites, and the inclusion of any link is as a convenience and does not imply endorsement by NWC of the sites or any association or relationship with its operators. Your use of third party websites and any purchases of products or services from such third-party websites are subject to the terms and conditions of such third-party websites. You agree that you will bring no suit or claim against NWC arising from or based upon any such use of third-party websites, including, without limitation, websites that we link to from NWC's Web Site.

10. Termination

NWC reserves the right in its sole discretion to terminate Your access to all or a portion of NWC's Web Site at any time without notice for any reason whatsoever.

Provisions of this Agreement which by their nature are intended to survive termination or expiration of this Agreement will survive any termination of this Agreement, including but not limited to the representations and warranties contained herein.

11. General Disclaimers, Exclusion of Damages, and Limitation of Liability

The information, software, products and services included in or available through NWC's Web Site may include inaccuracies or typographical errors. Changes are periodically made to the information herein. NWC may make improvements or changes to NWC's Web Site at any time. Advice received via NWC's Web Site should not be relied upon for personal, business, legal or financial decisions, and you should consult an appropriate professional for specific advice.

NWC makes no representations about NWC's Web Site, including, without limitation, NWC's Web Site's suitability, reliability, availability, timeliness and accuracy of the information, materials, software, products, services and graphics found on or through NWC's Web Site.

NWC PROVIDES NWC'S WEBSITE, INCLUDING, WITHOUT LIMITATION, ALL INFORMATION, MATERIALS, SOFTWARE, PRODUCTS, SERVICES, AND GRAPHICS "AS IS" WITHOUT WARRANTY OF ANY KIND. TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, NWC DISCLAIMS ALL WARRANTIES WITH REGARD TO NWC'S WEBSITE, INCLUDING, WITHOUT LIMITATION, ALL INFORMATION, MATERIALS, SOFTWARE, PRODUCTS, SERVICES, AND GRAPHICS FOUND ON OR THROUGH NWC'S WEBSITE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT OR WARRANTIES ARISING BY COURSE OF DEALING OR CUSTOM OF TRADE.

FURTHER, NWC ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT OF NWC'S WEBSITE OR FOR INFORMATION AND OPINIONS RECEIVED VIA NWC'S WEBSITE, WHICH SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, OR LEGAL DECISIONS. NWC SPECIFICALLY DISCLAIMS ANY DUTY TO UPDATE THE CONTENT OR ANY OTHER INFORMATION ON NWC'S WEBSITE.

Your sole and exclusive remedy if you are dissatisfied with any portion of NWC's Web Site is to discontinue using NWC's Web Site.

IN NO EVENT AND UNDER NO CIRCUMSTANCES WHATSOEVER SHALL NWC BE LIABLE FOR ANY DIRECT, INDIRECT, COMPENSATORY, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF NWC'S WEB SITE; THE DELAY OR INABILITY TO USE NWC'S WEB SITE; THE PROVISION OF OR FAILURE TO PROVIDE SERVICES; ANY INFORMATION, MATERIALS, SOFTWARE, PRODUCTS, SERVICES OR GRAPHICS OBTAINED ON OR THROUGH NWC'S WEB SITE, INCLUDING WITHOUT LIMITATION, IN CONNECTION WITH THE USE OF TECHNIQUES OR PROCEDURES DISCUSSED ON OR THROUGH NWC'S WEB SITE; OR SECURITY BREACHES, OR OTHERWISE ARISING OUT OF THE USE OF NWC'S WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF NWC HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

IN NO EVENT, SHALL NWC BE HELD LIABLE FOR ANY DIRECT, INDIRECT, COMPENSATORY, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER ARISING OUT OF OR IN CONNECTION WITH NWC'S WEBSITE, WHETHER BASED ON BREACH OF CONTRACT, WARRANTY, TORT, PRODUCT LIABILITY, OR OTHERWISE, AND WHETHER OR NOT NWC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

Some jurisdictions do not permit the exclusion or limitation of implied warranties or the exclusion of certain types of damages. Therefore, if required by applicable law, some of the foregoing exclusions may not apply to You.

12. Indemnity

You agree to indemnify NWC from and against any and all liabilities, expenses (including without limitation attorneys' fees) and damages arising out of claims based upon your use of NWC's Web Site, including without limitation any claim of libel, defamation, violation of rights of privacy or publicity, loss of service by other members, and the infringement of intellectual property rights or other rights. NWC will notify you of any claim for which NWC seeks indemnification and will afford you the opportunity to participate in the defense of such claim, provided that your participation will not be conducted in a manner prejudicial to NWC's interests, as reasonably determined by NWC at its sole discretion.

13. Governing Law

This Agreement is governed by the laws of the State of California, USA. You hereby consent to the exclusive jurisdiction and venue of courts in San Francisco County, California in all disputes arising out of or relating to the use of NWC's Web Site. Use of NWC's Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including, without limitation, this paragraph.

14. No Relationship

You agree that no joint venture, partnership, employment, or agency relationship exists between You and NWC as a result of this Agreement or use of NWC's Web Site.

15. Construction

If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including without limitation the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision, and the remainder of the Agreement shall continue in effect.

16. Entire Agreement

Unless otherwise specified herein, this Agreement constitutes the entire agreement between You and NWC with respect to NWC's Web Site, and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between You and NWC with respect to NWC's Web Site.

17. Notices

Notices given by NWC to You will be given by a general posting on NWC's Web Site or by an e-mail, if an e-mail address is available.

18. Assignment

NWC may assign this Agreement, in whole or part, in its sole discretion. You agree not to assign, transfer or sublicense Your rights as a Member without the prior written consent of NWC.

19. Captions and Headings

Captions and paragraph headings are for convenience only and are not a part of this Agreement and shall not be used in construing it.

These Terms of Use were last updated on January 22, 2017.


Announcements

Life is like riding a bicycle. To keep your balance, you must keep moving.
~ Albert Einstein letter to his son Eduard, 1930.