XAPIENS WEBSITE USER AGREEMENT

DISCLAIMER: Please read this Web Site User Agreement (the "Terms of Use") carefully before accessing or using this web site which you are accessing at the URL www.xapiens.com (this "Web Site "). Use of this Web Site constitutes acceptance of the terms of use set forth below, whether or not You access, review, or accept the Terms of Use. Xapiens International Group ("Xapiens") may modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Terms of Use. You agree to review the Terms of Use periodically to be aware of such modifications and your continued access or use of the Web Site shall be deemed your conclusive acceptance of the modified Terms of Use. For purposes of this Agreement, "You" shall be defined to mean all users of this Web Site.

Authorization of Use

Any person is hereby authorized to view the information located at this Web Site for informational purposes only. No part of the information located on this Web Site can be redistributed, copied, or reproduced without prior written consent of Xapiens.

Copyright, Licenses and Idea Submissions

The entire contents of this Web Site, including specifically all images, text, programs, and other materials found on this Web Site are protected by United States copyright laws. The owner of the copyright is Xapiens. You may print and download portions of material from the different areas of the Web Site Web Site solely for your own non-commercial use. You may make: (a) one machine readable copy, (b) one backup copy, and (c) one print copy of any portions of material downloaded from the different areas of the Web Site solely for your non-commercial use. Any other use (including without limitation, copying, redistribution, retransmission, publication of any downloaded material, or otherwise reproducing in any medium or format whatsoever), the material contained on this Web Site is strictly prohibited, without the express written consent of Xapiens, or the party providing the information. You agree not to change or delete any proprietary notices from materials downloaded from this Web Site.

Links to Other Sites and Third Party Information

From time to time, Xapiens may provide links to other web sites on the Internet or may provide information from third parties unrelated to Xapiens. Please be aware that the Internet sites available through these links, and the material that You may find there, are not under the control of Xapiens. Accordingly, Xapiens is not responsible for the availability of such external sites or resources and does not make any representation to You about these sites or the materials available there. You understand that, except for information, products or services clearly identified as being supplied by Xapiens, Xapiens does not operate, control or endorse any information, products or services in any way. Except for Xapiens-identified information, products or services, all information, products and services offered through the Web Site or on the Internet generally are offered by third parties that are not affiliated with Xapiens. Xapiens makes no representation and all such warranties are hereby disclaimed as to the accuracy, reliability, relevance, performance, or other condition or operation, of the information, services, or products provided by such third parties. Xapiens is providing these links only as a convenience to You. It is solely your responsibility to evaluate the accuracy, completeness and usefulness of all opinions, advice, services, merchandise and other information provided through the Web Site or on the Internet generally.

No Warranties

GENERAL: THE INFORMATION, MERCHANDISE, AND SERVICES CONTAINED ON THIS WEB SITE IS PROVIDED ON AN "AS IS, AS AVAILABLE" BASIS. TO THE EXTENT PERMITTED BY APPLICABLE LAW, XAPIENS DISCLAIMS ALL WARRANTIES AND PROVIDES THE INFORMATION WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESSED OR IMPLIED, AND INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE WEB SITE AND THE INTERNET.

THIS INFORMATION COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES MAY BE PERIODICALLY ADDED TO THE INFORMATION HEREIN.

No Warranty on Downloaded Files: Xapiens does not warrant that the Web Site will be uninterrupted or error-free or that defects in the Web Site will be corrected. You also understand that Xapiens cannot and does not guarantee or warrant that files available for downloading through the Web Site will be free of viruses, worms, Trojan horses or other code that manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy and security of data input and output, and for maintaining a means external to this Web Site for the reconstruction of any lost data.

Limitation of Liability

To the greatest extent permitted by law, in no event will Xapiens be liable for (I) any incidental, consequential, or indirect damages (including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, and the like) arising out of the use of or inability to use the Web Site, or any information, or transactions provided on the Web Site or downloaded or hyperlinked from the Web Site, even if Xapiens or its authorized representatives have been advised of the possibility of such damages, or (II) any claim attributable to errors, omissions, or other inaccuracies contained on this Web Site and/or materials or information downloaded through, or hyperlinked from, contained on this Web Site. You assume all responsibility for use of this Web Site. You waive any and all claims against Xapiens Inc., and its affiliates, officers, directors, employees, suppliers and agents that may arise from the utilization of the Web Site.

Indemnification

You agree to indemnify, defend and hold harmless Xapiens, its officers, directors, employees, agents, licensors, suppliers and any third parties who provide information, services, or products on this Web Site from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this Agreement by You.

Restricted Rights Legend

Use, duplication, or disclosure by the United States Government is subject to the restrictions set forth in FAR 52.227-19 or DFARS 252.227-7013 subparagraph (c), as applicable, relating to Commercial Computer Software--Restricted Rights.

Trademarks

The names, logos, and taglines identifying Xapiens' products and services are proprietary to Xapiens International Group. All other trademarks and service marks are the property of their respective owners.

Questions:

Any questions that you have about this agreement can be forwarded to:

Office of the General Counsel

Xapiens International Group

City View Plaza, Suite 300

Guaynabo, PR 00968


or via email : legal@xapiens.com.