X

TERMS OF SERVICE AGREEMENT

PLEASE READ THE FOLLOWING TERMS OF USE AGREEMENT CAREFULLY. BY ACCESSING OR USING OUR SITES AND OUR SERVICES, YOU HEREBY AGREE TO BE BOUND BY THE TERMS AND ALL TERMS INCORPORATED HEREIN BY REFERENCE. IF YOU DO NOT EXPRESSLY AGREE TO ALL OF THE TERMS AND CONDITIONS, THEN PLEASE DO NOT ACCESS OR USE OUR SITES OR OUR SERVICES. THIS TERMS OF SERVICE AGREEMENT IS EFFECTIVE AS OF 01/25/2016.

ACCEPTANCE OF TERMS

The following Terms of Service Agreement (the "TOS") is a legally binding agreement that shall govern the relationship with our users and others which may interact or interface with S&J Engines, Inc., also known as SJE, located at 817 North Lincoln Street, Spokane, Washington 99201-2124, and our subsidiaries and affiliates, in association with the use of the SJE website, which includes www.sandjengines.com (the "Site") and its Services, which shall be defined below.

DESCRIPTION OF WEBSITE SERVICES OFFERED

The Site is an e-commerce website which has the following description:

Founded in 1975, S&J Engines is a private business specializing in remanufactured automotive and marine products. Our website provides the public and professionals access to our product line and the ability to purchase directly online.

Any and all visitors to our site, despite whether they are registered or not, shall be deemed as "users" of the herein contained Services provided for the purpose of this TOS.Once an individual registers for our Services, through the process of creating an account, the user shall then be considered a "member."

The userand/or member acknowledges and agrees that the Services provided and made available through our website and applications, which may include some mobile applications and that those applications may be made available on various social media networking sites and numerous other platforms and downloadable programs, are the sole property of S&J Engines, Inc..At its discretion, S&J Engines, Inc. may offer additional website Services and/or products, or update, modify or revise any current content and Services, and this Agreement shall apply to any and all additional Services and/or products and any and all updated, modified or revised Services unless otherwise stipulated. S&J Engines, Inc. does hereby reserve the right to cancel and cease offering any of the aforementioned Services and/or products. You, as the end userand/or member, acknowledge, accept and agree that S&J Engines, Inc. shall not be held liable for any such updates, modifications, revisions, suspensions or discontinuance of any of our Services and/or products. Your continued use of the Services provided, after such posting of any updates, changes, and/or modifications shall constitute your acceptance of such updates, changes and/or modifications, and as such, frequent review of this Agreement and any and all applicable terms and policies should be made by you to ensure you are aware of all terms and policies currently in effect. Should you not agree to the updated, modified, revised or modified terms, you must stop using the provided Services.

Furthermore, the userand/or member understands, acknowledges and agrees that the Services offered shall be provided "AS IS" and as such S&J Engines, Inc. shall not assume any responsibility or obligation for the timeliness, missed delivery, deletion and/or any failure to store user content, communication or personalization settings.

WARRANTY

The Buyer understands, accepts and agrees responsibility to strictly abide by the terms of the Warranty(see the full Warranty Policy at www.sandjengines.com/warranty), and further understands, agrees and accepts that failure to do so will relieve S&J Engines, Inc. of any responsibility to abide by the terms of the warranty also. The Buyer acknowledges that the Warranty has value for the purpose of protection against product failure and was an important consideration when deciding to purchase this product at the price paid.

Buyer understands, accepts and agrees with the terms of the warranty and that the warranty provides fair and reasonable remedy for any product failure that may occur.

Buyer understands, accepts and agrees to obtain a Return Authorization Number prior to shipping any product back to S&J Engines, Inc. and that any package without an RA Number will be rejected.

REGISTRATION

To register and become a "member" of the Site, you must be 18 years of age to enter into and form a legally binding contract. In addition, you must be in good standing and not an individual that has been previously barred from receiving SJE's Services under the laws and statutes of the United States or other applicable jurisdiction.

Furthermore, the registering party hereby acknowledges, understands and agrees to:

  1. furnish factual, correct, current and complete information with regards to yourself as may be requested by the data registration process, and
  2. maintain and promptly update your registration and profile information in an effort to maintain accuracy and completeness at all times.

If anyone knowingly provides any information of a false, untrue, inaccurate or incomplete nature, S&J Engines, Inc. will have sufficient grounds and rights to suspend or terminate the member in violation of this aspect of the Agreement, and as such refuse any and all current or future use of S&J Engines, Inc. Services, or any portion thereof.

PRIVACY POLICY

Every member's registration data and various other personal information are strictly protected by the S&J Engines, Inc. Online Privacy Policy (see the full Privacy Policy at www.sandjengines.com/privacy). As a member, you herein consent to the collection and use of the information provided, including the transfer of information within the United States and/or other countries for storage, processing or use by S&J Engines, Inc. and/or our subsidiaries and affiliates.

MEMBER ACCOUNT, USERNAME, PASSWORD AND SECURITY

After completion of the registration data and creation of your username, you will receive a random password—which you can later change—and account designation. You shall be responsible for maintaining the secrecy and confidentiality of your password and for all activities that transpire on or within your account. It shall be your responsibility to notify S&J Engines, Inc. immediately if you notice any unauthorized access or use of your account or password or any other breach of security. S&J Engines, Inc. shall not be held liable for any loss and/or damage arising from any failure to comply with this term and/or condition of the TOS.

CONDUCT

As a member of the Site, you herein acknowledge, understand and agree that all information, text, software, data, photographs, music, video, messages, tags or any other content, whether it is publicly or privately posted and/or transmitted, is the expressed sole responsibility of the individual from whom the content originated. In short, this means that you are solely responsible for any and all content posted, uploaded, emailed, transmitted or otherwise made available by way of SJE Services, and as such, we do not guarantee the accuracy, integrity or quality of such content. It is expressly understood that by use of our Services, you may be exposed to content including, but not limited to, any errors or omissions in any content posted, and/or any loss or damage of any kind incurred as a result of the use of any content posted, emailed, transmitted or otherwise made available by SJE.

Furthermore, you herein agree not to make use of S&J Engines, Inc.'s Services for the purpose of:

  1. uploading, posting, emailing, transmitting, or otherwise making available any content that shall be deemed unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, libelous, or invasive of another's privacy or which is hateful, and/or racially, ethnically, or otherwise objectionable;
  2. causing harm to minors in any manner whatsoever;
  3. impersonating any individual or entity, including, but not limited to, any SJE officials, forum leaders, guides or hosts or falsely stating or otherwise misrepresenting any affiliation with an individual or entity;
  4. forging captions, headings or titles or otherwise offering any content that you personally have no right to pursuant to any law nor having any contractual or fiduciary relationship with;
  5. uploading, posting, emailing, transmitting or otherwise offering any such content that may infringe upon any patent, copyright, trademark, or any other proprietary or intellectual rights of any other party;
  6. uploading, posting, emailing, transmitting or otherwise offering any content that you do not personally have any right to offer pursuant to any law or in accordance with any contractual or fiduciary relationship;
  7. uploading, posting, emailing, transmitting, or otherwise offering any unsolicited or unauthorized advertising, promotional flyers, "junk mail," "spam," or any other form of solicitation, except in any such areas that may have been designated for such purpose;
  8. uploading, posting, emailing, transmitting, or otherwise offering any source that may contain a software virus or other computer code, any files and/or programs which have been designed to interfere, destroy and/or limit the operation of any computer software, hardware, or telecommunication equipment;
  9. disrupting the normal flow of communication, or otherwise acting in any manner that would negatively affect other users' ability to participate in any real time interactions;
  10. interfering with or disrupting any S&J Engines, Inc. Services, servers and/or networks that may be connected or related to our website, including, but not limited to, the use of any device software and/or routine to bypass the robot exclusion headers;
  11. intentionally or unintentionally violating any local, state, federal, national or international law, including, but not limited to, rules, guidelines, and/or regulations decreed by the U.S. Securities and Exchange Commission, in addition to any rules of any nation or other securities exchange, that would include without limitation, the New York Stock Exchange, the American Stock Exchange, or the NASDAQ, and any regulations having the force of law;
  12. providing informational support or resources, concealing and/or disguising the character, location, and or source to any organization delegated by the United States government as a "foreign terrorist organization" in accordance to Section 219 of the Immigration Nationality Act;
  13. "stalking" or with the intent to otherwise harass another individual; and/or
  14. collecting or storing of any personal data relating to any other member or user in connection with the prohibited conduct and/or activities which have been set forth in the aforementioned paragraphs.

S&J Engines, Inc. herein reserves the right to pre-screen, refuse and/or delete any content currently available through our Services. In addition, we reserve the right to remove and/or delete any such content that would violate the TOS or which would otherwise be considered offensive to other visitors, users and/or members.

S&J Engines, Inc. herein reserves the right to access, preserve and/or disclose member account information and/or content if it is requested to do so by law or in good faith belief that any such action is deemed reasonably necessary for:

  1. compliance with any legal process;
  2. enforcement of the TOS;
  3. responding to any claim that therein contained content is in violation of the rights of any third party;
  4. responding to requests for customer service; or
  5. protecting the rights, property or the personal safety of S&J Engines, Inc., its visitors, users and members, including the general public.

S&J Engines, Inc. herein reserves the right to include the use of security components that may permit digital information or material to be protected, and that such use of information and/or material is subject to usage guidelines and regulations established by S&J Engines, Inc. or any other content providers supplying content services to S&J Engines, Inc.. You are hereby prohibited from making any attempt to override or circumvent any of the embedded usage rules in our Services. Furthermore, unauthorized reproduction, publication, distribution, or exhibition of any information or materials supplied by our Services, despite whether done so in whole or in part, is expressly prohibited.

SHOP NOW PAY LATER TERMS

You must agree to the terms of this Agreement, including the Payment Authorization below that authorizes us to initiate payments from the debit or credit card account you have identified, in order to obtain a SJ 2-Pay SJ 2-Pay.

The following terms and conditions represent an agreement between the lender,

S&J Engines, Inc. Inc.,
located at 817 North Lincoln Street,
Spokane,
WA 99201-2124

("S&J Engines, Inc.," “we," or "us") and the user of this payment option ("you" as the borrower, under the name and address provided when you agreed to use this payment option), entered into as of the date you agree to use this payment option for your purchase. In addition to these terms and conditions, your use of this payment option is governed by the Terms for S&J Engines, Inc. SJ 2-Pay, which are incorporated into and made part of these Terms and Conditions (collectively, the “Agreement”). By choosing to pay for your purchase of goods and/or services (the "Purchase") with a SJ 2-Pay SJ 2-Pay from S&J Engines, Inc., you agree to the terms of this Agreement, which, in addition to the Terms for S&J Engines, Inc. SJ 2-Pay, includes our Privacy Policy, the Electronic Communications Agreement, the Payment Authorization below, and each applicable Payment Schedule we provide to you.

OREOVER, THIS AGREEMENT INCORPORATES THE ARBITRATION PROVISION IN THE TERMS FOR S&J ENGINES, INC. SJ 2-PAY SERVICE TO WHICH YOU ARE ALREADY A PARTY. IF YOU DID NOT OPT OUT OF THAT ARBITRATION PROVISION, IT ALSO APPLIES IN THIS AGREEMENT, UNLESS YOU ARE SUBJECT TO THE PROTECTIONS OF THE MILITARY LENDING ACT. PLEASE READ THE ARBITRATION PROVISION CAREFULLY AS IT WILL HAVE A SUBSTANTIAL EFFECT ON YOUR RIGHTS, INCLUDING YOUR RIGHT TO A JURY TRIAL AND TO BRING OR PARTICIPATE IN A CLASS ACTION. BY ACCEPTING THIS AGREEMENT, YOU AGREE TO THE TERMS OF THE ARBITRATION PROVISION UNLESS YOU PREVIOUSLY OPTED OUT.

Total Purchase Amount: This equals the total amount of your Purchase, as adjusted, and represents the total amount you will have paid when you have made all scheduled payments.

In addition to the cost of any goods or services, it may be adjusted to include

  1. any applicable taxes, shipping costs, or other fees that you have authorized and that are charged by a Merchant,
  2. any goods or services added to your order after you agree to this Agreement and/or
  3. any adjustments or increases due to exchanges or returns.

Payment Schedule:When you elect to use this payment option, we will present you with the applicable payment terms, including:

The amount of your Initial Payment. The Initial Payment is the first of two payments and is due immediately once S&J Engines, Inc. confirms your order. The Initial Payment will be made automatically on that date as described in the Payment Authorization below.

The amount of subsequent Installment Payment: The Installment Payments represent the remaining amount and consist of one additional installment payment due 45 (forty-five) days after the Initial Payment. Installment Payment will be made automatically on the date as set forth in the Payment Authorization below.

Promise to Pay: By using this payment option, you are instructing us to send the Total Purchase Amount to the designated merchant as payment for your purchase. You further promise to pay S&J Engines, Inc. the Total Purchase Amount in accordance with the payment terms, including repayment of the Initial Payment and each Installment Payment on their Due Dates, plus any fees, past due amounts and other charges as permitted under this Agreement. There is no balloon or similar final payment required on this loan and you are not required to obtain credit life or credit disability as a condition of receiving this loan.

No Interest or Other Finance Charges: This is a 0% APR SJ 2-Pay. There are no interest or other finance charges due on this payment option. Other fees will apply as described in this Agreement.

Payment Methods: We accept as a payment method most valid credit and debit cards that are not scheduled to expire in the near future. We may limit the types of payment methods we accept at our discretion. If a type of payment method, such as a particular credit or debit card, is not accepted, you will be notified before your Purchase is completed. You may change your payment method at any time, and if you do, you authorize us to charge your new payment method in accordance with this Agreement. Paying by debit card is not a requirement for obtaining a SJ 2-Pay under this Agreement.

Storing Payment Method Details: No payment method details are stored on S&J Engines, Inc. servers. S&J Engines, Inc. third-party payment providers will store payment details and utilize that information to affect charges. S&J Engines, Inc. third-party payment providers will use this information to authorize future charges as described in the Payment Authorization below. Unless you opt out, S&J Engines, Inc. may also use this information to prefill your payment method details for future purchases. You may manage your payment method details online or through the S&J Engines, Inc. website or by contacting us directly. In the event S&J Engines, Inc. obtains updated payment method information from your bank, you agree that S&J Engines, Inc. may update and use this information in our system.

Failed Payment Fee: If you attempt to make the second Installment Payment and your payment is returned unpaid for “not sufficient funds” or for any other reason such as a closed account, we will charge you a Failed Payment Fee of up to $25 (or any lower amount required by law). The Failed Payment Fee will never exceed the Installment Payment amount and will be waived or refunded in the event our error results in you incurring a Returned Payment Fee.

Reinitiating a rejected debit: Unless otherwise limited by law, if any payment under this Payment Authorization is rejected or otherwise returned unpaid, you authorize us to reinitiate it up to two additional times. However, you agree that we are under no obligation to reinitiate any rejected charges or debits. You understand that your financial institution or card issuer may impose fees in connection with rejected charges or debits, and you agree that we do not have any liability to you for such fees. You understand that the associated financial institution may impose fees in connection with rejected payments, and you agree that we do not have any liability for such fees. If you know that a payment will be rejected by your financial institution (e.g., because there is not enough money in the account or availability on the card), you should contact us so that alternate arrangements can be made.

Returns: Any return, cancellation or exchange of a product is a matter between you and S&J Engines, Inc., subject to Merchant's return policy. It will not impact the amount you owe under this Agreement unless and until we receive a credit from S&J Engines, Inc.. If we receive a credit from S&J Engines, Inc., we will apply it to your outstanding balance and refund any portion of such credit that exceeds your outstanding balance. Merchant credits do not count as payments on your account. You will need to continue to make your previously disclosed payments at scheduled Due Dates until your balance is paid in full.

Product Questions and Issues: Please contact S&J Engines, Inc. with any questions regarding Purchases.

Cancellation of Transaction by Buyer:


  1. In addition to any other rights he or she may have, the Buyer shall have the right to cancel a retail installment transaction for other than the Seller's breach by sending notice of such cancellation to the Seller at his or her place of business as set forth in the contract or charge agreement by certified mail, return receipt requested, which shall be posted not later than midnight of the third day (excluding Sundays and holidays) following the date of the order.
  2. Second installment is due 45 days after the initial payment. Should the payment fail processing, a charge of $25 will be assessed. Buyer will have ten days with which to arrange for the final installment payment or the order will be considered Canceled per the above.

No SJ 2-Pay Broker: You agree and represent that no person has performed any act as a broker in connection with the making of this SJ 2-Pay

Assignment: You may not transfer or assign any rights or obligations you have under these terms. To the extent not otherwise already permitted by applicable law, we may transfer or assign these terms or any right or obligation under these terms at any time provided that such transfer does not alter your rights and obligations under these terms to your detriment.

Notices: Except as otherwise required by law, all notices regarding this payment option must be provided in writing to:

S&J Engines, Inc.
PO Box 8116,
Columbus,
OH 43201,
S&J Engines, Inc.
Customer Service (“Notice Address”).

Complaints: For complaints, the information provided on www.S&J Engines, Inc..com applies. If you have a complaint towards S&J Engines, Inc., you can submit your complaint through the contact form on S&J Engines, Inc.’s website (S&J Engines, Inc..com) or via postal mail with the keyword "Complaint” to S&J Engines, Inc.’s address.

Enforceability: If any term of this Agreement is finally determined to be void or unenforceable by a court or government agency of competent jurisdiction, that term will continue to be enforceable to the extent allowed by such court of agency, and the remainder will no longer be a part of this Agreement. All other provisions of this Agreement will remain in effect.

Governing law, venue: You agree that the laws of the State of Ohio, without regard to principles of conflict of laws, will govern these Terms and any claim or dispute that has arisen or may arise between you and S&J Engines, Inc., except as otherwise stated in these Terms. Subject to the Arbitration Provision, you may also litigate any dispute in small claims court with jurisdiction over that dispute, if the dispute meets all requirements to be heard in the small claims court. You may litigate in small claims court whether or not you negotiated with S&J Engines, Inc. informally first.

PAYMENT AUTHORIZATION

THIS PAYMENT AUTHORIZATION PERTAINS TO ALL PAYMENT SCHEDULES WE DELIVER TO YOU AND AUTHORIZES US TO INITIATE ADDITIONAL PAYMENTS IN THE EVENT YOU FAIL TO PAY ON TIME. READ IT VERY CAREFULLY BEFORE CONSENTING TO THIS AGREEMENT. To complete your Purchase you will indicate a debit card or credit card with which you wish to make payments on your Shop Now Pay Later loan (together, along with any substitute debit card, credit card or bank account you may later provide to us, the "Payment Method"). Your Payment Method and payments can be changed, modified or terminated as further described below. For the purposes of this Payment Authorization, the words "we", "us" and "our" include S&J Engines, Inc. and its successors, assigns, agents, TrueAccord Corp and other service providers or any person to whom this Agreement is transferred or assigned.

Authorization for Initial Payment: For each Payment Schedule that we deliver to you, you authorize us to initiate a one-time debit from, or charge to, as applicable, the Payment Method in the amount of the Initial Payment indicated on that Payment Schedule. Initial Payments will occur on or soon after the date S&J Engines, Inc. confirms an applicable order from your Purchase.

Authorization for Installment Payments: You also authorize us to initiate a one-time recurring debit from, or charge to, as applicable, the Payment Method got the remaining installment amount.

Miscellaneous: You promise that the Payment Method and, if applicable, any Alternate Payment Methods, are legitimate, open and active and that you are an authorized user on such account(s). You understand that this Authorization is subject to applicable law and network rules. Each payment will be processed in U.S. dollars, and, if it is converted into another currency, its amount may vary based on fluctuations in the applicable conversion rate.

Prepayment: You may prepay part or all of any outstanding Total Purchase Amount at any time. There is no penalty for prepaying any amount owed. Prepaying any portion of your outstanding Total Purchase Amount will not change the amount of any subsequent Installment Payment, unless the remaining Total Purchase Amount is less than your Installment Payment, in which case we will only charge you the remaining Total Purchase Amount on the next Due Date.

Split Orders: "Split Orders" occur when

  1. S&J Engines, Inc. does not confirm all items from your Purchase at a single point in time (for example, one or more items from your Purchase ship on different dates); or
  2. the amount of your Purchase increases after you agree to the terms of this Agreement (for example, if you subsequently authorize S&J Engines, Inc. to include taxes, fees, charges or additional items in connection with your Purchase).

In the event of a Split Order, we will do one of the following at our discretion:

  1. provide you with an updated Payment Schedule as adjusted by us due to the Split Order (this Payment Schedule will replace any Payment Schedule previously provided to you); or
  2. provide you with an additional Payment Schedule for each Split Order confirmed by S&J Engines, Inc. that will include an additional Initial Payment and three additional Installment Payments that you will pay pursuant to the Payment Authorization below (this Payment Schedule does not replace any Payment Schedules previously provided to you).

Unless we provide you with a new Payment Schedule as described above, each Split Order constitutes a separate Shop Now Pay Later loan; provided, however, that the total sum of all Initial Payments and Installment Payments disclosed on each Payment Schedule associated with your Purchase will not exceed the Total Purchase Amount.

Late Fee: If any payment remains unpaid for 10 days after its due date, you agree to pay us a Late Fee of up to $7 (or such lesser amount as required by law), except where prohibited by applicable law. The Late Fee will never exceed 25% of the Installment Payment amount and will be waived or refunded in the event our error results in you incurring a Late Fee.

Returned Payment Fee: If you attempt to make any Installment Payment by check or ACH and your payment is returned unpaid for “not sufficient funds” or for any other reason such as a closed account, we will charge you a Returned Payment Fee of up to $25 (or any lower amount required by law). The Returned Payment Fee will never exceed the Installment Payment amount, and will be waived or refunded in the event our error results in you incurring a Returned Payment Fee.

Default: Except where prohibited by law, you will be in default if you:

  1. fail to make any payment by a Due Date;
  2. become the subject of insolvency or bankruptcy proceedings;
  3. supply false, misleading, or incorrect information to us;
  4. a payment is returned to us by your bank; or
  5. violate or are unwilling to comply with any provision in this Agreement (each a “Default”).

If you are in Default S&J Engines, Inc. may:


  1. employ a debt collection agency to collect payment; and
  2. report default information to credit bureaus.

If you are in Default S&J Engines, Inc. may prevent you from future use of any S&J Engines, Inc. service.

Consent to Receive Debt Collection Emails: In the event that you are in Default, you consent to receive debt collection emails from our debt collection service provider, TrueAccord Corp. You certify that any email address you provide to S&J Engines, Inc. can be used by TrueAccord Corp. for debt collection communications. You also certify that any email address you provide is a personal email address and not a work email address. If you change your email address, it is your obligation to update your email address with S&J Engines, Inc.

Credit Reports and Reporting; Identity Theft: You give us permission to request information and to make whatever inquiries we consider necessary and appropriate (including obtaining information from third parties and requesting consumer reports from consumer reporting agencies) for the purpose of considering your application for credit and subsequently in connection with any product upgrades or offers or the collection of your loan or your account with us. We will only obtain consumer reports that do not impact your credit score and do not leave a hard inquiry on your credit report.

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit bureau report.

No Loan Broker: You agree and represent that no person has performed any act as a broker in connection with the making of this loan.

Authorization to Vary Amounts: If you are paying by debit card, you have the right to receive written notice if any Installment Payment will vary from the amount authorized above. While we will generally provide at least 10 days' advance written notice of any Installment Payment that varies from the amount disclosed on an applicable Payment Schedule, you agree that we need not provide written notice if the amount of the Installment Payment is less than the disclosed amount or, no more than the Installment Payment plus any unpaid amounts, fees or charges due under this Agreement.

Authorization for Late and Returned Payment Fees and to Modify or Combine Payments: You authorize us to initiate a separate payment from the Payment Method or any other payment option you have on file with us (an "Alternate Payment Method"), at our sole discretion, for each separate fee due under the Agreement such as a Late Fee or Returned Payment Fee. You also authorize us to combine multiple payments that we may be initiating on the same day from the Payment Method into a single payment. Instead of or in addition to any payment described above, you authorize us to initiate payments from the Payment Method for any amount and on any date that you subsequently direct by phone, email or other method we make available.

Authorization to Correct Payments, Maintain Accurate Balance and Update Payment Method Information: You authorize us to debit or credit your Payment Method as necessary to

  1. correct any error we may make in processing a payment on or after the date such error occurs; or
  2. as otherwise necessary to obtain an accurate balance under this Agreement such as when you have a credit balance on your account with us.

If there is any missing or erroneous information with respect to the Payment Method or the associated financial institution, you authorize us to verify and correct such information.

STATE DISCLOSURES

All Borrowers, including Iowa, Missouri, Nebraska and Texas

ORAL AGREEMENTS OR COMMITMENTS TO LOAN MONEY, EXTEND CREDIT OR FORBEAR FROM ENFORCING REPAYMENT OF DEBT INCLUDING PROMISES TO EXTEND OR RENEW SUCH DEBT ARE NOT ENFORCEABLE. TO PROTECT YOU AND US FROM ANY MISUNDERSTANDING OR DISAPPOINTMENT, ANY AGREEMENTS WE REACH COVERING SUCH MATTERS ARE CONTAINED IN THIS WRITING, WHICH IS THE COMPLETE AND EXCLUSIVE STATEMENT OF THE AGREEMENT BETWEEN US, EXCEPT AS WE MAY LATER AGREE IN WRITING TO MODIFY IT.

For California Consumers

FOR INFORMATION CONTACT THE DEPARTMENT OF BUSINESS OVERSIGHT, STATE OF CALIFORNIA. This loan is made pursuant to the California Finance Lenders Law, Division 9 (commencing with Section 22000) of the Financial Code, License No. 60DBO-44020.

For California and Utah Residents

As required by California and Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

For Maryland Residents

This Loan is made under and governed by Section 12-103(a)(1) of Subtitle 1, “Interest and Usury” of Title 12 of the Maryland Commercial Law.

For New York, Rhode Island and Vermont Residents

You understand and agree that we may obtain a consumer credit report in connection with any updates, renewals or extensions of any credit as a result of your application. If you ask, you will be informed whether or not such a report was obtained and, if so, the name and address of the agency that furnished the report. You also understand and agree that we may obtain a consumer credit report in connection with the review or collection of any extension of credit made to you or for other legitimate purposes related to such extension of credit.

For North Dakota Consumers

NOTICE: MONEY BROKERS ARE LICENSED AND REGULATED BY THE DEPARTMENT OF FINANCIAL INSTITUTIONS, 2000 SCHAFER STREET, SUITE G, BISMARCK, NORTH DAKOTA 58501-1204. THE DEPARTMENT OF FINANCIAL INSTITUTIONS HAS NOT PASSED ON THE MERITS OF THE CONTRACT AND LICENSING DOES NOT CONSTITUTE AN APPROVAL OF THE TERMS OR OF THE BROKER'S ABILITY TO ARRANGE ANY LOAN. COMPLAINTS REGARDING THE SERVICES OF MONEY BROKERS SHOULD BE DIRECTED TO THE DEPARTMENT OF FINANCIAL INSTITUTIONS.

For South Dakota Consumers

Any improprieties by S&J Engines, Inc. regarding its product offerings, or related practices may be referred to the South Dakota Division of Banking at:

South Dakota Division of Banking,
605.773.3421,
1601 N. Harrison Avenue,
Suite 1,
Pierre,
SD 57501. Fax: 866.326.7504,
banking@state.sd.us.

For Washington Consumers

Fraudulent transactions may result in the loss of your money with no recourse.

For Wisconsin Consumers

If you are married:

  1. you confirm that the Loan is being incurred in the interest of your marriage or family;
  2. no provision of any marital property agreement, unilateral statement, or court decree under the Wisconsin Marital Property Act will adversely affect our interest unless, before the time credit is granted, we are furnished a copy of that agreement or decree or are given complete information about the agreement or decree; and
  3. you understand and agree that we will provide a copy of this Agreement to your spouse for his or her information.

If the Loan is granted, you will notify us if you have a spouse by sending your name and your spouse's name and address to us at the Notice Address.

CAUTIONS FOR GLOBAL USE AND EXPORT AND IMPORT COMPLIANCE

Due to the global nature of the internet, through the use of our network you hereby agree to comply with all local rules relating to online conduct and that which is considered acceptable Content. Uploading, posting and/or transferring of software, technology and other technical data may be subject to the export and import laws of the United States and possibly other countries. Through the use of our network, you thus agree to comply with all applicable export and import laws, statutes and regulations, including, but not limited to, the Export Administration Regulations (http://www.access.gpo.gov/bis/ear/ear_data.html), as well as the sanctions control program of the United States (http://www.treasury.gov/resource-center/sanctions/Programs/Pages/Programs.aspx). Furthermore, you state and pledge that you:

  1. are not on the list of prohibited individuals which may be identified on any government export exclusion report (http://www.bis.doc.gov/complianceandenforcement/liststocheck.htm) nor a member of any other government which may be part of an export-prohibited country identified in applicable export and import laws and regulations;
  2. agree not to transfer any software, technology or any other technical data through the use of our network Services to any export-prohibited country;
  3. agree not to use our website network Services for any military, nuclear, missile, chemical or biological weaponry end uses that would be a violation of the U.S. export laws; and
  4. agree not to post, transfer nor upload any software, technology or any other technical data which would be in violation of the U.S. or other applicable export and/or import laws.

CONTENT PLACED OR MADE AVAILABLE FOR COMPANY SERVICES

S&J Engines, Inc. shall not lay claim to ownership of any content submitted by any visitor , member or user, or make such content available for inclusion on our website Services. Therefore, you hereby grant and allow for S&J Engines, Inc. the below listed worldwide, royalty-free and non-exclusive licenses, as applicable:

  1. The content submitted or made available for inclusion on the publicly accessible areas of S&J Engines, Inc.'s sites, the license provided to permit to use, distribute, reproduce, modify, adapt, publicly perform and/or publicly display said Content on our network Services is for the sole purpose of providing and promoting the specific area to which this content was placed and/or made available for viewing. This license shall be available so long as you are a member of S&J Engines, Inc.'s sites, and shall terminate at such time when you elect to discontinue your membership.
  2. Photos, audio, video and/or graphics submitted or made available for inclusion on the publicly accessible areas of S&J Engines, Inc.'s sites, the license provided to permit to use, distribute, reproduce, modify, adapt, publicly perform and/or publicly display said Content on our network Services are for the sole purpose of providing and promoting the specific area in which this content was placed and/or made available for viewing. This license shall be available so long as you are a member of S&J Engines, Inc.'s sites and shall terminate at such time when you elect to discontinue your membership.
  3. For any other content submitted or made available for inclusion on the publicly accessible areas of S&J Engines, Inc.'s sites, the continuous, binding and completely sub-licensable license which is meant to permit to use, distribute, reproduce, modify, adapt, publish, translate, publicly perform and/or publicly display said content, whether in whole or in part, and the incorporation of any such Content into other works in any arrangement or medium current used or later developed.

Those areas which may be deemed "publicly accessible" areas of S&J Engines, Inc.'s sites are those such areas of our network properties which are meant to be available to the general public, and which would include message boards and groups that are openly available toboth visitorsand members. However, those areas which are not open to the public, and thus available to members only, would include our mail system and instant messaging.

CONTRIBUTIONS TO COMPANY WEBSITE

S&J Engines, Inc. provides an area for our usersand members to contribute feedback to our website. When you submit ideas, documents, suggestions and/or proposals ("Contributions") to our site, you acknowledge and agree that:

  1. your Contributions do not contain any type of confidential or proprietary information
  2. SJE shall not be liable or under any obligation to ensure or maintain confidentiality, expressed or implied, related to any Contributions;
  3. SJE shall be entitled to make use of and/or disclose any such Contributions in any such manner as they may see fit;
  4. the contributor's Contributions shall automatically become the sole property of SJE; and
  5. SJE is under no obligation to either compensate or provide any form of reimbursement in any manner or nature.

INDEMNITY

All users and/or members herein agree to insure and hold S&J Engines, Inc., our subsidiaries, affiliates, agents, employees, officers, partners and/or licensors blameless ornot liable for any claim or demand, which may include, but is not limited to, reasonable attorney fees made by any third party, which may arise from any content amember or user of our site may submit, post, modify, transmit or otherwise make available through our Services, the use of SJE Services or your connection with these Services, your violations of the Terms of Service and/or your violation of any such rights of another person.

COMMERCIAL REUSE OF SERVICES

Themember or user herein agrees not to replicate, duplicate, copy, trade, sell, resell nor exploit for any commercial reason any part, use of, or access to SJE's sites.

USE AND STORAGE GENERAL PRACTICES

You herein acknowledge that S&J Engines, Inc. may set up any such practices and/or limits regarding the use of our Services, without limitation of the maximum number of days that any email, message posting or any other uploaded content shall be retained by S&J Engines, Inc., nor the maximum number of email messages that may be sent and/or received by any member, the maximum volume or size of any email message that may be sent from or may be received by an account on our Service, the maximum disk space allowable that shall be allocated on S&J Engines, Inc.'s servers on the member's behalf, and/or the maximum number of times and/or duration that any member may access our Services in a given period of time. In addition, you also agree that S&J Engines, Inc. has absolutely no responsibility or liability for the removal or failure to maintain storage of any messages and/or other communications or content maintained or transmitted by our Services. You also herein acknowledge that we reserve the right to delete or remove any account that is no longer active for an extended period of time. Furthermore, S&J Engines, Inc. shall reserve the right to modify, alter and/or update these general practices and limits at our discretion.

MODIFICATIONS

S&J Engines, Inc. shall reserve the right at any time it may deem fit, to modify, alter and or discontinue, whether temporarily or permanently, our service, or any part thereof, with or without prior notice. In addition, we shall not be held liable to you or to any third party for any such alteration, modification, suspension and/or discontinuance of our Services, or any part thereof.

TERMINATION

As a member of www.sandjengines.com, you may cancel or terminate your account, associated email address and/or access to our Services by submitting a cancellation or termination request to apex@sandjengines.com.

As a member, you agree that S&J Engines, Inc. may, without any prior written notice, immediately suspend, terminate, discontinue and/or limit your account, any email associated with your account, and access to any of our Services. The cause for such termination, discontinuance, suspension and/or limitation of access shall include, but is not limited to:

  1. any breach or violation of our TOS or any other incorporated agreement, regulation and/or guideline;
  2. by way of requests from law enforcement or any other governmental agencies;
  3. the discontinuance, alteration and/or material modification to our Services, or any part thereof;
  4. unexpected technical or security issues and/or problems;
  5. any extended periods of inactivity;
  6. any engagement by you in any fraudulent or illegal activities; and/or
  7. the nonpayment of any associated fees that may be owed by you in connection with your www.sandjengines.com account Services.

Furthermore, you herein agree that any and all terminations, suspensions, discontinuances, and or limitations of access for cause shall be made at our sole discretion and that we shall not be liable to you or any other third party with regards to the termination of your account, associated email address and/or access to any of our Services.

The termination of your account with www.sandjengines.com shall include any and/or all of the following:

  1. the removal of any access to all or part of the Services offered within www.sandjengines.com;
  2. the deletion of your password and any and all related information, files, and any such content that may be associated with or inside your account, or any part thereof; and
  3. the barring of any further use of all or part of our services.

ADVERTISERS

Any correspondence or business dealings with, or the participation in any promotions of, advertisers located on or through our Services, which may include the payment and/or delivery of such related goods and/or Services, and any such other term, condition, warranty and/or representation associated with such dealings, are and shall be solely between you and any such advertiser. Moreover, you herein agree that S&J Engines, Inc. shall not be held responsible or liable for any loss or damage of any nature or manner incurred as a direct result of any such dealings or as a result of the presence of such advertisers on our website.

LINKS

Either S&J Engines, Inc. or any third parties may provide links to other websites and/or resources. Thus, you acknowledge and agree that we are not responsible for the availability of any such external sites or resources, and as such, we do not endorse nor are we responsible or liable for any content, products, advertising or any other materials, on or available from such third party sites or resources. Furthermore, you acknowledge and agree that S&J Engines, Inc. shall not be responsible or liable, directly or indirectly, for any such damage or loss which may be a result of, caused or allegedly to be caused by or in connection with the use of or the reliance on any such content, goods or Services made available on or through any such site or resource.

PROPRIETARY RIGHTS

You do hereby acknowledge and agree that S&J Engines, Inc.'s Services and any essential software that may be used in connection with our Services ("Software") shall contain proprietary and confidential material that is protected by applicable intellectual property rights and other laws. Furthermore, you herein acknowledge and agree that any Content which may be contained in any advertisements or information presented by and through our Services or by advertisers is protected by copyrights, trademarks, patents or other proprietary rights and laws. Therefore, except for that which is expressly permitted by applicable law or as authorized by S&J Engines, Inc. or such applicable licensor, you agree not to alter, modify, lease, rent, loan, sell, distribute, transmit, broadcast, publicly perform and/or created any plagiaristic works which are based on S&J Engines, Inc. Services (e.g. Content or Software), in whole or part.

S&J Engines, Inc. herein has granted you personal, non-transferable and non-exclusive rights and/or license to make use of the object code or our Software on a single computer, as long as you do not, and shall not, allow any third party to duplicate, alter, modify, create or plagiarize work from, reverse engineer, reverse assemble or otherwise make an attempt to locate or discern any source code, sell, assign, sublicense, grant a security interest in and/or otherwise transfer any such right in the Software. Furthermore, you do herein agree not to alter or change the Software in any manner, nature or form, and as such, not to use any modified versions of the Software, including and without limitation, for the purpose of obtaining unauthorized access to our Services. Lastly, you also agree not to access or attempt to access our Services through any means other than through the interface which is provided by S&J Engines, Inc. for use in accessing our Services.

WARRANTY DISCLAIMERS

YOU HEREIN EXPRESSLY ACKNOWLEDGE AND AGREE THAT:

  1. THE USE OF S&J ENGINES, INC. SERVICES AND SOFTWARE ARE AT THE SOLE RISK BY YOU. OUR SERVICES AND SOFTWARE SHALL BE PROVIDED ON AN "AS IS" AND/OR "AS AVAILABLE" BASIS. S&J ENGINES, INC. AND OUR SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES OF ANY KIND WHETHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
  2. S&J ENGINES, INC. AND OUR SUBSIDIARIES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICESNSORS MAKE NO SUCH WARRANTIES THAT (i) S&J ENGINES, INC. SERVICES OR SOFTWARE WILL MEET YOUR REQUIREMENTS; (ii) S&J ENGINES, INC. SERVICES OR SOFTWARE SHALL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (iii) THAT SUCH RESULTS WHICH MAY BE OBTAINED FROM THE USE OF THE S&J ENGINES, INC. SERVICES OR SOFTWARE WILL BE ACCURATE OR RELIABLE; (iv) QUALITY OF ANY PRODUCTS, SERVICES, ANY INFORMATION OR OTHER MATERIAL WHICH MAY BE PURCHASED OR OBTAINED BY YOU THROUGH OUR SERVICES OR SOFTWARE WILL MEET YOUR EXPECTATIONS; AND (v) THAT ANY SUCH ERRORS CONTAINED IN THE SOFTWARE SHALL BE CORRECTED.
  3. ANY INFORMATION OR MATERIAL DOWNLOADED OR OTHERWISE OBTAIN BY WAY OF S&J ENGINES, INC. SERVICES OR SOFTWARE SHALL BE ACCESSED BY YOUR SOLE DISCRETION AND SOLE RISK, AND AS SUCH YOU SHALL BE SOLELY RESPONSIBLE FOR AND HEREBY WAIVE ANY AND ALL CLAIMS AND CAUSES OF ACTION WITH RESPECT TO ANY DAMAGE TO YOUR COMPUTER AND/OR INTERNET ACCESS, DOWNLOADING AND/OR DISPLAYING, OR FOR ANY LOSS OF DATA THAT COULD RESULT FROM THE DOWNLOAD OF ANY SUCH INFORMATION OR MATERIAL.
  4. NO ADVICE AND/OR INFORMATION, DESPITE WETHER WRITTEN OR ORAL, THAT MAY BE OBTAINED BY YOU FROM S&J ENGINES, INC. OR BY WAY OF OR FROM OUR SERVICES OR SOFTWARE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TOS.
  5. e) A SMALL PERCENTAGE OF SOME USERS MAY EXPERIENCE SOME DEGREE OF EPILEPTIC SEIZURE WHEN EXPOSED TO CERTAIN LIGHT PATTERNS OR BACKGROUNDS THAT MAY BE CONTAINED ON A COMPUTER SCREEN OR WHILE USING OUR SERVICES. CERTAIN CONDITIONS MAY INDUCE A PREVIOUSLY UNKNOWN CONDITION OR UNDETECTED ELILEPTIC SYMPTOM IN USERS WHO HAVE SHOWN NO HISTORY OF ANY PRIOR SEIZURE OR EPILEPSY. SHOULD YOU, ANYONE YOU KNOW OR ANYONE IN YOUR FAMILY HAVE AN EPILEPTIC CONDITION, PLEASE CONSULT A PHYSICAN IF YOU EXPERIENCE ANY OF THE FOLLOWING SYMPTOMS WHILE USING OUR SERVICES: DIZZINESS, ALTERED VISON, EYE OR MUSCLE TWITCHES, LOSS OF AWARNESS, DISORIENTATION, ANY INVOLUNTARY MOVEMENT, OR CONVULSIONS.

LIMITATION OF LIABILITY

YOU EXPLICITY ACKNOWLEDGE, UNDERSTAND AND AGREE THAT S&J ENGINES, INC. AND OUR SUBISDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS SHALL NOT BE LIABLE TO YOU FOR ANY PUNITIVE, INDIRECT, INCIDENTIAL, SPECIAL, CONSEQUENIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES WHICH MAY BE RELATED TO THE LOSS OF ANY PROFITS, GOODWILL, USE, DATA AND/OR OTHER INTANGILBE LOSSES, EVEN THOUGH WE MAY HAVE BEEN ADVISED OF SUCH POSSIBILITY THAT SAID DAMAGES MAY OCCUR, AND RESULT FROM:

  1. THE USE OR INABILITY TO USE OUR SERVICE;
  2. THE COST OF PRECURING SUBSTITUTE GOODS AND SERVICES;
  3. UNAUTHORIZED ACCESS TO OR THE ALTERATION OF YOUR TRANSMISSIONS AND/OR DATA;
  4. STATEMENTS OR CONDUCT OF ANY SUCH THRID PARTY ON OUR SERVICE;
  5. AND ANY OTHER MATTER WHICH MAY BE RELATED TO OUR SERVICE.

EXCLUSION AND LIMITATIONS

THERE ARE SOME JURISDICTIONS WHICH DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OF EXCLUSION OF LAIBILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. THEREFORE, SOME OF THE ABOVE LIMITATIONS OF SECTIONS WARRANTY DISCLAIMERS AND LIMITATION OF LIABILITY MAY NOT APPLY TO YOU.

THIRD PARTY BENEFICIARIES

You herein acknowledge, understand and agree, unless otherwise expressly provided in this TOS, that there shall be third-party beneficiaries to this agreement.

NOTICE

S&J Engines, Inc. may furnish you with notices, including those with regards to any changes to the TOS, including but not limited to email, regular mail, MMS or SMS, text messaging, postings on our website Services, or other reasonable means currently known or any which may be herein after developed. Any such notices may not be received if you violate any aspects of the TOS by accessing our Services in an unauthorized manner. Your acceptance of this TOS constitutes your agreement that you are deemed to have received any and all notices that would have been delivered had you accessed our Services in an authorized manner.

TRADEMARK INFORMATION

You herein acknowledge, understand and agree that all of the S&J Engines, Inc. trademarks, copyright, trade name, service marks, and other S&J Engines, Inc. logos and any brand features, and/or product and service names are trademarks and as such, are and shall remain the property of S&J Engines, Inc.. You herein agree not to display and/or use in any manner the S&J Engines, Inc. logo or marks.

COPYRIGHT OR INTELLECTUAL PROPERTY INFRINGEMENT CLAIMS NOTICE & PROCEDURES

S&J Engines, Inc. will always respect the intellectual property of others, and we ask that all of our users to the same. With regards to appropriate circumstances and at its sole discretion, S&J Engines, Inc. may disable and/or terminate the accounts of any user who repeatedly violates our TOS and/or infringes the rights of others. If you feel that your work has been duplicated in such a way that would constitute copyright infringement, or if you believe your intellectual property rights have been otherwise violated, you should provide to us the following information:

  1. The electronic or the physical signature of the individual that is authorized on behalf of the owner of the copyright or other intellectual property interest;
  2. description of the copyrighted work or other intellectual property that you believe has been infringed upon;
  3. A description of the location of the site which you allege has been infringing upon your work;
  4. The physical address, telephone number, and email address;
  5. A statement, in which you state that the alleged and disputed use of your work is not authorized by the copyright owner, its agents or the law;
  6. And finally, a statement, made under penalty of perjury, that the aforementioned information in your notice is the truth and accurate, and that you are the copyright or intellectual property owner, representative or agent authorized to act on the copyright or intellectual property owner's behalf.

The S&J Engines, Inc. Agent for notice of claims of copyright or other intellectual property infringement can be contacted as follows:

Mailing Address:
S&J Engines, Inc.
Attn: Copyright Agent
817 North Lincoln Street
Spokane, Washington 99201-2124

Telephone: 509-838-3625
Email: admin@sandjengines.com

CLOSED CAPTIONING

BE IT KNOWN, that S&J Engines, Inc. complies with all applicable Federal Communications Commission rules and regulations regarding the closed captioning of video content. For more information, please visit our website at www.sandjengines.com.

GENERAL INFORMATION

ENTIRE AGREEMENT

This TOS constitutes the entire agreement between you and S&J Engines, Inc. and shall govern the use of our Services, superseding any prior version of this TOS between you and us with respect to S&J Engines, Inc. Services. You may also be subject to additional terms and conditions that may apply when you use or purchase certain other S&J Engines, Inc. Services, affiliate Services, third-party content or third-party software.

CHOICE OF LAW AND FORUM

It is at the mutual agreement of both you and S&J Engines, Inc. with regard to the TOS that the relationship between the parties shall be governed by the laws of the state of Washington without regard to its conflict of law provisions and that any and all claims, causes of action and/or disputes, arising out of or relating to the TOS, or the relationship between you and S&J Engines, Inc., shall be filed within the courts having jurisdiction within the County of Spokane County, Washington or the U.S. District Court located in said state. You and S&J Engines, Inc. agree to submit to the jurisdiction of the courts as previously mentioned, and agree to waive any and all objections to the exercise of jurisdiction over the parties by such courts and to venue in such courts.

WAIVER AND SEVERABILITY OF TERMS

At any time, should S&J Engines, Inc. fail to exercise or enforce any right or provision of the TOS, such failure shall not constitute a waiver of such right or provision. If any provision of this TOS is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the TOS remain in full force and effect.

NO RIGHT OF SURVIVORSHIP NON-TRANSFERABILITY

You acknowledge, understand and agree that your account is non-transferable and any rights to your ID and/or contents within your account shall terminate upon your death. Upon receipt of a copy of a death certificate, your account may be terminated and all contents therein permanently deleted.

STATUTE OF LIMITATIONS

You acknowledge, understand and agree that regardless of any statute or law to the contrary, any claim or action arising out of or related to the use of our Services or the TOS must be filed within 7 year(s) after said claim or cause of action arose or shall be forever barred.

CONSENT AND NOTICE REGARDING ELECTRONIC COMMUNICATIONS FOR S&J ENGINES, INC.

1. Electronic Signature Agreement. By selecting the “I agree that I have read and accepted the User Agreement and Privacy Policy” button, you are signing thisAgreement electronically. You agree your electronic signature is the legal equivalent of yourmanual signature on this Agreement. By selecting “I agree that I have read and accepted the User Agreement and Privacy Policy” you consent to be legally boundby this Agreement's terms and conditions. You further agree that your use of a key pad,mouse or other device to select an item, button, icon or similar act/action, or to otherwiseprovide S&J Engines, Inc. instructions or in accessing or making any transaction regarding any agreement,acknowledgement, consent terms, disclosures or conditions constitutes your signature(hereafter referred to as "E-Signature"), acceptance and agreement as if actually signed byyou in writing. You also agree that no certification authority or other third party verificationis necessary to validate your E-Signature and that the lack of such certification or third partyverification will not in any way affect the enforceability of your E-Signature or any resultingcontract between you and S&J Engines, Inc. You also represent thatyou are authorized to enter into this Agreement for all persons who own or are authorized toaccess any of your accounts and that such persons will be bound by the terms of thisAgreement. You further agree that each use of your E-Signature constitutes your agreement to be bound by the terms and conditionsof the S&J Engines, Inc. Disclosures and Agreements as they exist on the date of yourE-Signature.

2. Consent to Electronic Delivery. You specifically agree to receive and/or obtain any and all "Electronic Communications" (defined below) via S&J Engines, Inc. website application and/or emails. The term "Electronic Communications" includes, but is not limited to, any and all current and future notices and/or disclosures that various federal and/or state laws or regulations require that we provide to you, as well as such other documents, statements, data, records and any other communications regarding your relationship with S&J Engines, Inc. You acknowledge that, for your records, you are able to use the S&J Engines, Inc. website application to retain Electronic Communications by printing and/or downloading and saving this Agreement and any other agreements and Electronic Communications, documents, or records that you agree to using your E-Signature. You accept Electronic Communications provided via S&J Engines, Inc. as reasonable and proper notice, for the purpose of any and all laws, rules, and regulations, and agree that such electronic form fully satisfies any requirement that such communications be provided to you in writing or in a form that you may keep.

3. Paper version of Electronic Communications. You may request a paper version of an Electronic Communication. You acknowledge that S&J Engines, Inc. reserves the right to charge you a reasonable fee for the production and mailing of paper versions of Electronic Communications. To request a paper copy of an Electronic Communication contact us at (509) 838-3625

4. Revocation of electronic delivery. You have the right to withdraw your consent to receive/obtain communications via the S&J Engines, Inc. website application at any time. You acknowledge that S&J Engines, Inc. reserves the right to restrict or terminate your access to the S&J Engines, Inc. website application if you withdraw your consent to receive Electronic Communications. If you wish to withdraw your consent, contact us at (509) 838-3625.

5. Valid and current email address, notification and updates. Your current valid email address is required in order for you to obtain S&J Engines, Inc. website application services. You agree to keep S&J Engines, Inc. informed of any changes in your email address. You may modify your email address by submitting a written request to S&J Engines, Inc., visit our location or submit a secure message thru traditional mailing services. S&J Engines, Inc. may notify you through email when an Electronic Communication or updated agreement pertaining to your commercial relationship is available. S&J Engines, Inc. may also use S&J Engines, Inc. website application for Electronic Communications. It is your responsibility to use S&J Engines, Inc. website application regularly to check for Electronic Communications and to check for updates to this Agreement.

6. Hardware, software and operating system. You are responsible for installation, maintenance, and operation of your computer, browser and software. S&J Engines, Inc. is not responsible for errors or failures from any malfunction of your computer, browser or software. S&J Engines, Inc. is also not responsible for computer viruses or related problems associated with use of an online system.

7. Controlling Agreement. This Agreement supplements and modifies other agreements that you may have with S&J Engines, Inc.To the extent that this Agreement and another agreement contain conflicting provisions, the provisions in this agreement will control (with the exception of provisions in another agreement for an electronic service which provisions specify the necessary hardware, software and operating system, in which such other provision controls). All other obligations of the parties remain subject to the terms and conditions of any other agreement. To obtain electronic services and communications, indicate your consent to the terms and conditions of this Agreement by clicking on the “I agree that I have read and accepted the User Agreement and Privacy Policy” button.

It is recommended that you print a copy of this Agreement for future reference.

VIOLATIONS

Please report any and all violations of this TOS to S&J Engines, Inc. as follows:

Mailing Address:
S&J Engines, Inc.
Attn: Copyright Agent
817 North Lincoln Street
Spokane, Washington 99201-2124

Telephone: 509-838-3625
Email: admin@sandjengines.com