User Agreement

This page contains the User Agreement ("Agreement") between you ("User") and Moreda Consulting, the publisher of this Moreda
Consulting Web site (the "Site") and the publisher of video content available through the Site and through a subdomain
www.moredaconsulting.webex.com (the "Subdomain"). Together, www.moredaconsulting.net and www.moredaconsulting.webex.com are
referred to as "the Sites."

The terms "Site" and Sites" as they are used in this Agreement include any wireless device optimized version of the Sites.

In this Agreement, "you" and "your" refer to each user of either or both of the Sites and, in the case of Moreda Consulting Mobile and other
Mobile Services described below, the Subscriber of a participating mobile communications carrier on whose behalf you are entering into
this Agreement.

This Agreement sets forth the terms and conditions for your use of the Sites, and the Mobile Services. Your use of the Sites, including but
not limited to viewing the pages, videos, or other Content on the Sites, or purchasing, receiving or accessing Moreda Consulting services
or products through the Sites, constitutes your agreement to these terms and conditions set forth in this Agreement.

You may print this page for your reference.

Section Titles.

Titles of Sections within this User Agreement are for convenience only.

Privacy Policy.

Moreda Consulting values your privacy and takes great steps to protect your information. To view our privacy policy, which is part of this
agreement, and describes how Moreda Consulting cares for your personal information, go to our
privacy policy page.

Cancellation Policies for Seminars and Webinars.

To cancel a seminar or webinar session registration and receive a refund, send an email to us at christine@moredaconsulting.net at least
3 days before the start of the session you are registered for, requesting that your registration be cancelled. Refunds for registrations you
cancel are subject to a 25% cancellation fee. Please allow 10 days from the date of the cancellation of your registration for any refund to
fully process.

System Requirements.

To help you prepare for webinars, online consulting, and any other online session, read our system requirements page which is part of
this Agreement, and which describes how to prepare for, sign in to, and participate in live online sessions.

Session Participation and Recordings.

We sometimes receive requests for audio and/or video recordings of our webinars and consulting sessions. Only registered Participants
are allowed to attend, hear, see, or participate in webinars and consulting sessions. Participants, Subscribers, and any other Users are
not allowed to create audio or video or any other recordings of any Content of any consultations, webinars, seminars, individual or group
sessions, prerecorded videos, written articles, or any other publications or presentations published or delivered by Christine Moreda or
Moreda Consulting, whether live or prerecorded, without the prior written permission by Christine Moreda or Moreda Consulting.

Moreda Consulting may make audio, video or other recordings of seminars, webinars, and other events and publish them on our website
for educational, promotional or other reasons.

Insufficient Funds Policy.

Client is responsible for any financial institution fees related to the return by a financial institution for nonsufficient funds (NSF) or any
payment(s), whether payment(s) were made by check, online transfer, or by any other means, whether issued by User, Customer,
Participant, Subscriber, or any other party on User's behalf to Moreda Consulting in payment for any products or services, or $50.00,
whichever is greater.

We Reserve the Right to Refuse Service to Anyone at Any Time, and to Refuse to Issue Refunds for Associated Services.

For any consultations at your facility, please be sure to provide a safe and healthy working environment for all concerned. For any services
you may be participating in, please be sure to contribute positively to a safe and healthy learning environment. In order to preserve a safe
and healthy learning and working environment for all concerned, Moreda Consulting reserved the right to refuse service to anyone at any
time. If Moreda Consulting deems a working environment to be unsafe, unhealthy, or otherwise unacceptable, at Moreda Consulting's sole
discretion, a session, or participant's participation in a session, may be cancelled or terminated at any time and for any reason, and any
potential refund may not be issued for part or all of the session.

Moreda Consulting reserves the right, at its sole discretion and without notice, to deny access to the Site or a portion of it, or to services, to
anyone acting, or whom Moreda Consulting deems to be or have been acting, in violation of this User Agreement, including but not limited
to anyone acting violently towards themselves or others, or to anyone sharing passwords to subscriber-only web pages.

Service Charges, Payment, and Cancellation.

For certain services offered for sale through the Site, Moreda Consulting may charge a fee or fees. Customers are notified of these fees
before they are charges. Cancellations may require up to 10 (ten) days to process.

You agree to pay all fees and charges you have incurred through your account, or use of the Sites, using a valid payment card which
Moreda Consulting accepts. Rates are subject to change without notice. If you have an amendment to this contract with Moreda
Consulting, refer to it as well for information on rates and expiration date(s). In addition to the charges set forth on the Site or in any
amendment we agreed to, you are responsible for all charges associated with connecting to the Site, connecting to webinar sessions and
online consultations such as Internet and telephone charges, and connecting with any other third party websites and systems Moreda
Consulting uses to provide services, including but not limited to the Moreda Consulting area of the Cisco WebEx site
www.moredaconsulting.webex.com, including without limitation all telephone access lines including long distance charges, when
applicable, and the telephone and computer equipment you use.

For purposes of identification and billing, you agree to provide Moreda Consulting with accurate, adequate, complete, and updated
information required when purchasing or otherwise using a service on the Sites.

Learning Program Subscription (not currently available).

For a portion of this agreement about services related to our Learning Program, see our Learning Program Home Page. It is part of the
Learning Program Subscription Section of this User Agreement. The Learning Program is a subscription-bases service.

Only individuals may subscribe to the Learning Program. Subscribers of the Learning Program may be referred to herein as "Learning
Program Subscribers" or simply as "Subscribers." The term "Subscribers" does not refer in this agreement to those who subscribe to the
Moreda Consulting Newsletter unless they are also Learning Program Subscribers.

To become a Learning Program Subscriber, you must pay an initial application fee, authorize a monthly subscription fee until you cancel
your subscription, and follow any additional steps described on the Learning Program Home Page.

Monthly fees are charged by cycle date, not calendar date, beginning on the date you sign up for the service.

As part of the registration process for the Learning Program and certain other features and services, you will be assigned a user name
and password, or both, or will select a user name or password or both. Any password assigned is for your individual use only. You are
solely responsible for maintaining the confidentiality of any password you use to access the Learning Program or other products, services
or features, and agree that Moreda Consulting will have no obligation with regard thereto.

Your user name and password are not transferable. You agree not to share them. Moreda Consulting reserves the right to change your
user name or password at any time, and to immediately notify you of the change via the email address associated with you monthly
payments.

As a Learning Program Subscriber you must inform us of any changes to your email address during your subscription period. We may
need your email address to send updated user name, password and subscription information to you. We may also use it to let you know
of newly-added subscription benefits and other announcements.

Learning Program Subscribers may only display, access or play the Learning program Content for their individual use, and only through
www.moredaconsulting.net and only directly from www.moredaconsulting.webex.com. See Learning Program Subscription Section of
Agreement for further details.

You agree that you will not share source codes, URLs, or other location  identification information of any Learning Program content stored
online, and that you will not distribute any of the content to others without prior written authorization to do so from Moreda Consulting or
Christine Moreda.

Moreda Consulting reserves the right to cancel your subscription at any time for any reason, and without notice. If we cancel your
subscription for any reason other than nonpayment, insufficient or nonsufficient funds, or a breach or perceived breach of contract, we will
refund your subscription fee, if any, for the billing cycle containing the date of cancellation.

Learning Program Subscribers may only display or otherwise access Learning Program content for their individual purposes, and only
through www.moredaconsulting.net from the subdomain www.moredaconsulting.webex.com.

If you are a Learning Program Subscriber, you agree to only access the Learning Program and the subdomain through the Site, and only in
a noncommercial manner and in compliance with the Moreda Consulting No Commercial Use Policy.

MOREDA CONSULTING NO COMMERCIAL USE POLICY

Learning Program content, including but not limited to our training videos and educational articles, is intended solely for the benefit of our
Subscribers and certain other consumers, in order to help them make informed choices about using QuickBooks software, accounting,
business, products, services, and other consumer matters. Such information may not be used by others in advertising or to promote a
company's products or services without prior written permission by Christine Moreda or Moreda Consulting. In addition, this policy
precludes any commercial use of any of Moreda Consulting's published information and content in any form, including but not limited to
the presentation of content for a fee by anyone other than Christine Moreda or Moreda Consulting, without our prior express written
permission.

Copyright and Trademarks.

Copyright 2018 Christine Moreda. All rights reserved. Except as permitted under the Copyright Act of 1976, no part of this publication may
be reproduced or distributed in any form or by any means, or stored in a database or retrieval system, without the prior written permission
of the author.

All materials, information, and other content on the Site, on the Moreda Consulting area of the Cisco WebEx (R) Site, on the Mobile
Services, and offered through any other site we may use to provide services, including without limitation text, images, software, audio and
visual content, video recordings, live presentations, prerecorded presentations, databases, user product and user service reviews and
ratings, subscription-based services including but not limited to Learning Program Services, and other services and products on the Site
(collectively, the "Content") are owned or controlled by Moreda Consulting or Christine Moreda or the party credited as the provider of the
Content or website. The respective owner retains all right, title and interest n and to its Content. The Site and the Moreda Consulting area
of the WebEx (R) site and Content are protected by copyright and trademark laws of the United States and other countries, international
conventions, and other applicable laws.

You may not download, display, reproduced, create derivative works from, transmit, sell, distribute, or in any way exploit the Sites, Content,
or any portion thereof, including without limitation our service reviews and those service reviews posted by others, for any public or
commercial use without the prior written permission of Moreda Consulting.

You agree not to use any trademarks, service marks, names, logos, or other identifiers of Moreda Consulting or its employees, licensors,
independent contractors, providers and affiliates (collectively, "Affiliates) without the prior written permission of Moreda Consulting or the
relevant Affiliate. In addition, you may not use our trademarks: (a) in, as, or as part of, your own trademarks or those of any third parties; (b)
to identify services that are not those of Moreda Consulting; (c) in a manner likely to cause confusion; or (d) in a manner that implies that
Moreda Consulting sponsors or endorses or is otherwise connected with your own activities, products, or services or those of third parties.

You agree that all video Content is copyrighted by Christine Moreda, whether or not the copyright information displays in the video.

You agree that you will not share source codes, URLs, or other location identification information of any Learning Program Content stored
online, and that you will not distribute the Content to others without written authorization to do so from Moreda Consulting or Christine
Moreda.

Content and Usage.

This section includes the display on our website of information including user reviews and ratings, any other information we may share,
and any other services we may provide. Our Sites contain educational information concerning QuickBooks (R) software and related topics.
This information is intended for your to use for your training and in discussions with qualified service providers such as your QuickBooks
ProAdvisor Program Member, accountant or bookkeeper. Content is for educational use only and is not a substitute for services.

You acknowledge that any reliance upon any advice, opinion, statement, or other information displayed or distributed through the Sites or
the Mobile Services, either by Moreda Consulting or by other Users of the Sites, including training videos and articles, is at your sole risk.
Moreda Consulting reserves the right, in its sole discretion and without notice, to delete any portion of the Sites or Mobile Services, or to
deny access to the  Sites or Mobile Services to anyone acting in violation of this User Agreement at any time. You acknowledge and agree
that Moreda Consulting is not responsible for any materials  posted by Users of this Site or Mobile Services. Prior to purchasing any
third-party products or services described on the Sites or Mobile Services, you are advised to verify pricing, quality, and other information.
Neither Christine Moreda nor Moreda Consulting nor its Affiliates shall have any liability arising from your purchases of third-party goods or
services based upon the information provided on the Sites or Mobile Services.

We do not guarantee that any part of the Content will remain available to Subscribers or other visitors to our website for any specified
length of time.

Links to Other Sites.

The Sites may contain links and pointers to other sites on the Internet which may be maintained by third parties such as Intuit Inc (R). Such
links do not constitute an endorsement by Moreda Consulting or its Affiliates of any third-party site or any materials contained therein.
Moreda Consulting and its Affiliates do not control, and are not responsible for, the availability, accuracy, adequacy, completeness, privacy
policy, or currency of such third-party sites or any information, content, products or services accessible from such third-party sites.

Age Restrictions.

You represent and warrant to Moreda Consulting that you are at least eighteen years old an that you possess the legal right and ability to
enter into this Agreement and to use the Sites in accordance with this Agreement.

Financial Responsibility.

You agree not to assign, transfer or sublicense your rights as a Subscriber of the Subscription-Based Services. You agree to be financially
responsible for all usage or activity of your Subscription-Bases Services.

Indemnification.

You hereby agree to indemnify, defend and hold harmless Christine Moreda, Moreda Consulting, and its Affiliates and Assigns from and
against any and all liability and costs incurred by Moreda Consulting or the Affiliates or Assigns in connection with any claim arising out of
any breach or alleged breach of any of your representations, warranties or obligations set forth in this Agreement. You shall cooperate as
fully as reasonably required in the defense of any claim. Moreda Consulting reserves the right, at its own expense, to assume the
exclusive defense and control of any matter otherwise subject to indemnification by you and you shall not in any event settle any matter
without the written consent of Moreda Consulting.

DISCLAIMER OF WARRANTY.

You acknowledge that any reliance upon any advice, opinion, statement, or other information displayed or distributed through the Site is at
your sole risk. Moreda Consulting reserves the right, in its sole discretion and without notice, to add to, delete from, update, correct any
errors or omissions in, or otherwise change any portion of the Site.

Information on the Site has been obtained by Moreda Consulting by sources believed to be reliable. However, because of the possibility of
human or mechanical error, we cannot guarantee the accuracy, adequacy, or completeness of any information, and we are not
responsible for any errors or omissions or the results obtained from use of such information.

Audio,video, and written content on the Site is intended as a learning aid. Under no circumstances shall the author, presenter or publisher
by liable for any damages, including any lost profits, lost data or other indirect damages arising out of anything written, said, shown, or
otherwise conveyed on or through this site or other Moreda Consulting services, or expressed directly or indirectly by the author, presenter
or publisher, or anything omitted from the content, or any use, misuse or lack of use of any of the Content.

EXCEPT AS EXPRESSLY SET FORTH HEREIN, THE SITE AND ALL CONTENT IT LINKS TO INCLUDING BUT NOT LIMITED TO VIDEO
CONTENT THROUGH WWW.MOREDACONSULTING.NET, WWW.MOREDACONSULTING.WEBEX.COM, WWW.WEBEX.COM, AND
YELP.COM ( INCLUDING ALL CONTENT, SOFTWARE, FUNCTIONS, LEARNING PROGRAM SUBSCRIPTION SERVICES OR OTHER PAID
PRODUCTS OR SERVICES, MATERIALS AND INFORMATION MADE AVAILABLE THEREON OR ACCESSED BY MEANS THEREOF) ARE
PROVIDED "AS IS" AND "AS AVAILABLE." MOREDA CONSULTING DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE
SITES OR THE LEARNING PROGRAM SUBSCRIPTION SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL
BE CORRECTED, THAT THE SITES OR LEARNING PROGRAM SUBSCRIPTION SERVICES WILL MEET ANY PARTICULAR CRITERIA OF
PERFORMANCE OR QUALITY, OR THAT THE SITES, INCLUDING FORUMS OR THE SERVER(S) ON WHICH THEY SITES ARE
OPERATED, ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

TO THE FULLEST EXTENT PERMISSIBLE BY LAW, MOREDA CONSULTING AND ITS AFFILIATES DISCLAIM ALL EXPRESS OR IMPLIED
WARRANTIES OF ANY KIND, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE (WHETHER OR NOT THE PURPOSE HAS BEEN DISCLOSED),
COMPATIBILITY, SECURITY, ACCURACY, OR NON-INFRINGEMENT.

LIMITATION OF LIABILITY.

USE OF THE SITES IS AT YOUR OWN RISK. YOU ASSUME FULL RESPONSIBILITY AND RISK OF LOSS RESULTING FROM YOUR
DOWNLOADING OR USING FILES, INFORMATION, COMMUNICATIONS, CONTENT, OR OTHER MATERIAL (INCLUDING WITHOUT
LIMITATION SOFTWARE) ACCESSED THROUGH OR OBTAINED BY MEANS OF THE SITES.

UNDER NO CIRCUMSTANCES SHALL MOREDA CONSULTING OR ITS AFFILIATES OR ASSIGNS, OR THEIR RESPECTIVE DIRECTORS,
OFFICERS, EMPLOYEES OR AGENTS, OR ANY THIRD-PARTY PROVIDER OF TELECOMMUNICATIONS OR NETWORK SERVICES, SITE
SOFTWARE OR SITE CONTENT FOR MOREDA CONSULTING OR ITS AFFILIATES OR ASSIGNS, OR CHRISTINE MOREDA, BE LIABLE
FOR ANY INDIRECT, INCIDENTAL, PUNITIVE, SPECIAL, OR CONSEQUENTIAL DAMAGES (INCLUDING BUT NOT LIMITED TO DAMAGES
FOR PERSONAL INJURY AND/OR DEATH, LOST REVENUES OR PROFITS, LOSS OF BUSINESS OR LOSS OF DATA) THAT ARE
DIRECTLY OR INDIRECTLY RELATED TO YOUR USE OF OR INABILITY TO USE THIS SITE OR THE PREMIUM SUBSCRIPTION-BASED
SERVICES, EVEN IF MOREDA CONSULTING, ITS AFFILIATES OR ASSIGNS, OR THEIR PROVIDERS OF TELECOMMUNICATIONS OR
NETWORK SERVICES, CONTENT OR SOFTWARE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, REGARDLESS OF
WHETHER SUCH LIABILITY IS BASED IN TORT (INCLUDING NEGLIGENCE) CONTRACT OR ANY OTHER LEGAL OR EQUITABLE
THEORY.

THE TOTAL LIABILITY OF MOREDA CONSULTING AND ITS AFFILIATES AND ASSIGNS HEREUNDER IS LIMITED TO THE AMOUNT, IF
ANY, ACTUALLY PAID BY YOU FOR ACCESS TO AND USE OF PREMIUM SUBSCRIPTION-BASED SERVICES. YOU HEREBY RELEASE
MOREDA CONSULTING AND ITS AFFILIATES FROM ANY AND ALL OBLIGATIONS, LIABILITIES AND CLAIMS IN EXCESS OF THIS
LIMITATION.

SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR THESE KINDS OF DAMAGES, SO THE ABOVE
LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU.

Termination.

In addition to any other rights of the parties set forth herein, Moreda Consulting may cancel or terminate the Agreement at any time. Moreda
Consulting also reserves the right to restrict, suspend or terminate your access to the Sites and the Subscription-Bases Services in whole
or in part, without notice, with respect to any breach or threatened breach by you of any portion of this Agreement. If Moreda Consulting
terminates this Agreement (and therefore your access to the Sites and the Content, in whole or in part) based on a breach of any portion of
this Agreement, Moreda Consulting reserves the right to refuse to provide access to the Site, the Content, the Subscription-Bases
Services, and any other services, in whole or in part, in the future.

Modifications.

(a) to the Agreement. Moreda Consulting has the right to modify this Agreement and any policies affecting the Sites, including without
limitation the No-Commercial Use Policy Any modification is effective immediately upon posting to the Site or Sites, or distribution to you
via electronic mail or conventional mail. Your continued use of the Site or Sites following notice of any modification to this Agreement shall
be conclusively deemed an acceptance of all such modification(s). Your only right with respect to any dissatisfaction with any modifications
made pursuant to this provision, or any policies or practices of Moreda Consulting in providing the Sites, including without limitation
(i) any change in the Content, or
(ii) any change in the amount or type of fees associated with the Premium Subscription-Based Services or print subscription products
purchased through our Site, or any other services,
is to cancel your subscription in accordance with instructions provided herein.
(b) to the Site. Moreda Consulting has the right to modify, suspend or discontinue the Site or Sites and Content on the Site or Sites and
related Services or any portion thereof at any time, including but not limited to the availability of any area of the site or Sites and the
Learning Program Subscription-Based Services. Moreda Consulting may also impose limits on certain features and services or restrict
your access to parts or all of the Site or Sites without notice or liability.

General.

This Agreement constitutes the entire agreement between you and Moreda Consulting with respect to the Sites, the Content, and, if
applicable, to your purchase of Moreda Consulting's products and services offered through the Sites, (including any Subscription-Based
Services), and supersedes all prior agreements between you and Moreda Consulting. Failure by Moreda Consulting to enforce any
provision or right does not preclude Moreda Consulting from enforcing the right later, and doesn't affect other of Moreda Consulting's
rights. Interpretation and enforcement of this Agreement shall be governed by the laws of the State of California (excluding its choice of law
rules). In the event that any portion of this Agreement is held unenforceable, the unenforceable portion shall be construed in accordance
with applicable law as nearly as possible to reflect the original intentions of the parties, and the remainder of the provisions shall remain
in full force and effect.

Subscribing to our free newsletter, subscribing to the Learning Program, purchasing any of our other products or services, or
otherwise using the Site indicates your agreement to this User Agreement, including the terms and conditions set forth above.

Last updated May 9th, 2019.
______________________________________________________________________________________________________________________________

Contact Us | Privacy Policy | User Agreement
Intuit, QuickBooks, and QuickBooks ProAdvisor are registered trademarks of Intuit Inc. Used with permission under the QuickBooks ProAdvisor agreement.
Christine Moreda is from the counties of Marin and Sonoma in California, and temporarily moved out of state in 2019.
(415) 416-8509 | P.O. Box 322, Jerome, Arizona 86331  | Copyright 2002 - 2019 Christine Moreda. All rights reserved.
Confirm my scheduled session.
Call (415) 416-8509 for a
free first consultation.
Home         About Us         Services         Courses         Contact