The three-fold purposes of the following Terms and Conditions are as follow, to wit:

* Define the services being offered in this site, together with any future upgrading of its online services for the benefit of the users or registrants concerned.

* Clarify to the registrants what they are entering into, as specifically defined in the following terms and conditions and other contents of the site.

* Mutually protect the interest of the users/registrants, site management/owner together with its business partners, the respective governing authorities and/or state laws concerned --whereby aforesaid transacting parties are responsible to accordingly.

1. Registrants of this site refer to those who voluntarily registered or signed up for a 12-month/annual fee of $78.00 (or equivalent to $6.50 a month), to gain access to the internet resources and services -- specifically periodic articles related to entrepreneurship, business, finance, life strategy and leadership development. This may include video-audio clips, CD-ROM and other educational/training materials. Renewal of said 12-month registration is voluntary.

2. Registrants have the option to avail of the referral incentive program being offered in this site voluntarily, with a potential referral incentives of up to US$39,050.00 annually or within a given 12-month period of registration of participating registrant.

   The rules and mechanics of said referral incentive program are all found in the Advantages Info link. As such, said rules and mechanics are basically part of these terms and conditions in part and/or wholly.

3. Registrants who prefer not to avail of said referral incentive program or scheme, are only governed by the terms and conditions pertaining to the conduct, use and/or availment of website services as well as any future e-services that may be offered thereof.

   On the other hand, any registrant can automatically activate his/her status as participant of the referral incentive program, by simply getting familiar with the terms and conditions, rules and mechanics of referral scheme, and by using the assigned ID number accordingly.

4. Referral incentives accumulated in a given quarter are sent to qualified registrants in form of "Bank Check" within the following month -- as explained in the "Rules of Referral Incentive Scheme". Payment of referral incentives in form of bank check or by any other means carries the name and/or be made under the business name Centeprise -- USA, parent company of MassBiz-Edu.Com.

5. Registrants who are still expecting referral incentives where the 3,905 limit is not yet reached after one (1) year or twelve (12) months of registration, should renew their registration to qualify further and, facilitate any receivable incentives accordingly. Grace period for renewal of registration is on or before the first day of the 14th month following the expiration of registration or, immediately after expiration thereof.

6. A registrant may consider a referral incentive check missing, if said check being expected is not yet received after 45 days from the end of a given quarter -- since it should only take less than 25 days to receive cumulative incentives from previous quarter.

   To report a missing check, registrant concerned should send an email under the "Contact Us" email link of the site with the following info: Name of registrant, ID number, expected amount and for what quarter. It would take approximately 15 days to receive replacement for lost checks. Registrants are responsible in monitoring their individual incentive credits, by checking their individual templates of statistics periodically towards the end of a given quarter.

7. Void checks or checks not cashed within the stated period in the check, will be replaced approximately 15 days from the time the case is reported to. Registrant concerned should report the case through the "Contact Us" email link with the following info: Void check, check number, amount, date of check, ID number and name of payee or registrant concerned. It is not necessary to return a void check.

8. Any error in the check especially errors pertaining to huge amount of incentive therein, must be reported by the payee or registrant concerned through the "Contact Us" email link. Brief explanation, date of check, amount of check, ID number and name of payee are the necessary info needed.

   Checks with error should also be mailed back to the P.O. Box address of Centeprise found in the check and in the Contact Us page. Anomalies related to checks would prompt site management to take proper legal action as well as appropriate sanction to the erring party.

9. Depending on the statutory law a registrant is being governed by, it is the registrant's duty to know and/or disclose any extra income or other source of income for taxation purposes -- if such is indeed taxable. As such, all parties concerned must be responsible in reporting their respective income sources and/or in filing their respective taxes accordingly.

10. MassBiz-Edu management will not increase and/or collect any other fee whatsoever from the registrants, when its plan to upgrade its online services such as chat room, entrepreneurship and other online video, business seminar link and the like are made available in the near future. This is consistent with the noble purpose of the business to continually reach out to its clientele responsibly.

11. A registrant can only register once every year after expiration of previous year's registration. Violation thereof will result to permanent disqualification from availing of the referral incentive program.

12. Changes in mailing address must be reported in advance through the contact us link, to avoid any problem and/or delays in receiving incentive checks. In addition, registrant's profile must be updated or edited accordingly.

13. Registrants outside the U.S. may have less access to other services being offered and/or to be offered such as telephone conference, live seminar and the like due to geographical and/or technological factors or limitations.

14. All information about registrant will automatically be deleted from the database, if registration is not renewed after 30 days in accordance with the privacy policy thereof.

15. Aside from the internet access and option to avail of the referral incentive scheme, registrants both individual and as a group have no right whatsoever in the ownership and manner of operation of the site including its subsidiaries, parent company, business partners and service providers as well.

16. Registrants agree to indemnify site management, its subsidiaries, parent company, management and staff from any harm, legal liability and/or obligation, should the site encounter sudden technical problem or, ceased to operate temporarily or permanently due to unexpected circumstances. Or, when its referral incentive program/offer ceased to be offered for reasons deem to be necessary and/or solely by management discretion, with proper notification of at least 30 days prior to such major change.

17. The computer program and/or software functions being utilized in this internet site -- which is originally conceptualized by the site management/owner, materialized through the expertise and services of a third party website provider, is protected by the governing laws and claims on copyright protection -- setforth by the Copyright Office, Washington DC 20559 -- 6000 USA.

    Furthermore, any unsettled conflicts or legal issues related to the site and its services, shall be heard with due process in the State of Texas, Harris County Justice of the Peace -- Houston where Centeprise (parent company of MassBiz-Edu.Com) is duly registered and based.

18. These terms and conditions are subject to change, should there be necessary revisions to be made. For any changes or update on terms and conditions, privacy policy as well as content of the site, you are therefore encouraged to periodically check aforesaid subjects for any changes thereof.