MFFAIS.COM prohibits caching, unauthorized hypertext links to the website and the framing of any Content available through its site. MFFAIS.COM reserves the right to disable any unauthorized links or frames and disclaims any responsibility for the content available on any other site reached by links to or from the MFFAIS.COM website.

Cookies
There is a technology called "cookies" which can be used by a website to enable its users to store tailored information from the website. A cookie can be sent to your browser, which may then store it on your system. Some MFFAIS.COM pages use cookies so that we can better serve you when you return to our site. A cookie does not retrieve any other data from your hard drive or capture or store your e-mail address. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it. You may continue browsing our site even if you decide not to accept the cookie.

Web Beacons
MFFAIS.COM employs a software technology that serves as a web tracking device to collect certain information about traffic to the MFFAIS.COM web sites. This device is classified as a "web beacon" by the Network Advertising Initiative, which means that the scope of its collection is restricted to web site traffic data. It is similar in function to cookies. The main difference between cookies and web beacons is that web beacons are invisible on the page and are much smaller, about the size of the period at the end of this sentence. A P3P-compliant JavaScript cookie is set and collected by the tracking device to allow for differentiation between visitors to the sites. This data is used for tracking and reporting aggregate usage patterns on the web sites but does not include any personally identifiable information about individual visitors.

Additionally, we use third-party advertising companies to serve ads when you visit our website. These companies may use information (not including your name, address, email address, or telephone number) about your visits to this and other websites in order to provide advertisements about goods and services of interest to you.

Personal Information - Collection and Use
MFFAIS.COM respects your privacy. In general, you can visit MFFAIS.COM without telling us who you are or revealing any personal information about yourself.

There are times when we may need information from you, such as your name, mailing address or e-mail address. You will be asked to supply that information voluntarily. Some examples of when we may need information are if you choose to purchase a product or service directly from the MFFAIS.COM website, or to receive invoices from us by e-mail, or to use the "Your Portfolio" personal stock tracker or to contact us about our website or services. We collect nonpublic personal information from applications or other forms that you submit to us, and from your transactions with us, our affiliates, or others, and from consumer reporting agencies. We will not sell your personal information to or share it with any other company or third party agency, except as permitted by law. We disclose such nonpublic personal information about you only to those employees who have a need to know and vendors who need to know the information in order to verify or fulfill your transactions with us, in accordance with our agreements with those vendors. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information. this includes using encryption technology for credit card data used in e-commerce transactions. We are not responsible for any use of personal information by websites you reach via a link on this website.

When MFFAIS.COM receives information about your session or about you, we may use it for research, regulatory purposes, or to improve our site. In general, on MFFAIS.COM, IP addresses (the internet address of a computer) are logged to track a user’s session while the user remains anonymous. This data is analyzed for certain trends and statistics, such as which parts of our site users are visiting and how long they spend there, among other possible uses.

Changes to Terms and Conditions of Use
MFFAIS.COM reserves the right to revise these Terms and Conditions of Use at any time and users are deemed to be aware of and bound by any changes to these Terms and Conditions of Use upon publication on our website. Any changed Terms and Conditions of Use will apply only to nonpublic personal information you give to us or confirm to us (including by entering into a transaction with us) after the effective date of the change. Accordingly, we recommend that you review our Terms and Conditions of Use before giving or confirming to us any nonpublic personal information.

Advertiser Information

Content Policy - These policies may apply to ads and the content of your site.

Application of our policies will always involve an element of discretion and we reserve the right to reject or approve any ads for any reason. As noted in our Terms & Conditions, you represent and warrant that your advertisements and/or website comply with all applicable laws.

The advertisers must make sure that the rules has been followed, whether that means changing an ad or withdrawing it. Failure to do so will result in cancellation of ads and forfeiting any money paid.

Misleading advertising

Advertisements are not allowed to mislead consumers. This means that advertisers must hold evidence to prove the claims they make about their products or services before an ad appears.

Academic Aids
Don't promote unacceptable academic aids.

Advertising is not permitted for academic aids. This includes 'test-taking' services in which someone takes an exam for someone else and academic paper-writing services providing custom/pre-written theses, dissertations, etc.

Aids to Pass Drug Tests
Don't promote aids to pass drug tests.

Advertising is not permitted for the promotion of products designed to help someone pass a drug test. This includes products such as drug cleansing shakes and urine test additives.

Alcohol
Don't promote unacceptable alcohol products.

Restrictions on the promotion of alcohol vary based on local regulations and type of alcoholic product:

Ads are not permitted to directly promote hard alcohol and liqueurs. This means that hard alcohol cannot be promoted in ad text or be the purpose of your site (occupying a significant portion of your site).
Advertisements for beer may target countries where such ads comply with local regulations. However, beer ads may not target the United States, U.S. territories (American Samoa, Guam, Puerto Rico and the U.S. Virgin Islands), India, Pakistan, Sri Lanka, Thailand, and Malaysia.
Advertisements for champagne and wine are allowed everywhere that such advertisements comply with local regulations.
Since we consider beer, wine, and champagne to be products intended for the sale and consumption by adults, ads promoting these products will be given a Non-FamilySafe status.
Please note that some jurisdictions may enforce any of these additional regulations:
- require government permits for the advertisement of alcoholic beverages,
- prohibit advertisements for beverages with a certain level of alcohol content,
- and/or require certain disclaimers in advertisements for alcohol beverages.
It is the advertiser's responsibility to comply with all local laws.

Anabolic Steroids
Don't promote anabolic steroids.

Advertising is not permitted for anabolic steroids, muscle-enhancing stacks and cycles, bodybuilding steroid supplements, and related content, irrespective of an advertiser's claims of legality.

'Anti' and Violence
Don't promote violence or advocate against a protected group.

Ad text advocating against any organization, person, or group of people is not permitted.

Advertisements and associated websites may not promote violence or advocate against a protected group. A protected group is distinguished by their: Race or ethnic origin
Color
National origin
Religion
Disability
Sex
Age
Veteran status
Sexual orientation/Gender identity

Bulk Marketing
Don't promote bulk marketing products.

Advertising of bulk marketing products is not permitted if the stated or implied use of the following products is unsolicited spam:

Email lists that are not opt-in
Bulk email software
Bulk messaging

Copyright
Don't promote copyrighted content without permission.

Copyrights are important business assets in which the copyright holder maintains exclusive rights. You must not use AdWords to promote the copying or distribution of copyrighted content for which you don't have consent from the copyright holder and which is not otherwise permitted by law.

Counterfeit Designer Goods
Don't advertise counterfeit designer goods.

Advertising is not permitted for products that are replicas or imitations of designer goods. A replica good contains the trademarked name or logo of a designer brand but is not made by that brand.

Data Entry Affiliates
Don't advertise for data entry affiliate programs.

Advertising is not permitted for the promotion of data entry affiliate programs. This includes ads directing users to sites that promote the creation/data entry of more ads that direct users to the same site.

There are no exceptions to this policy, which is intended to protect both advertisers and AdWords users.

Dialers
Don't promote dialer-related products.

A dialer is a program that will cut your chosen internet connection and establish a new connection to a premium rate number. In order to protect our users and maintain the quality of advertising we display, we don't allow ads and sites that require or solicit the use of a dialer program.

Drugs and Drug Paraphernalia
Don't promote drugs and drug paraphernalia.

Advertising is not permitted for the promotion of drugs and drug paraphernalia. This includes drug accessories, illegal drugs, and herbal drugs such as salvia and magic mushrooms.

e-Gold
Don't promote e-gold or related products.

Advertising is not permitted for e-gold and e-gold related content. This includes, but is not limited to, e-gold exchange, e-gold investment, and e-gold accounts.

Endangered Species
Don't promote products obtained from endangered or threatened species.

Advertising is not permitted for products obtained from endangered or threatened species. This includes, but is not limited to, the sale of products derived from elephants, sharks, tigers, whales, rhinoceroses, or dolphins.

Fake Documents
Don't promote fake documents.

Advertising is not permitted for the promotion of false documents such as fake IDs, passports, social security cards, immigration papers, diplomas, and noble titles.

Fireworks and Pyrotechnic Devices
Don't promote fireworks or pyrotechnic devices.

Advertising is not permitted for the promotion of fireworks and pyrotechnic devices.

Gambling
Don't promote online gambling or related sites.

Advertising is not permitted for the promotion of online casinos and gambling activities.

This includes, but is not limited to, the following:

sports books
lotteries
bingo
poker
sites that provide tips, odds, and handicapping
software facilitating online casinos and gambling
gambling tutoring online
gambling related eBooks
'play for fun' gambling or casino games of skill including sites where the primary purpose is 'play for fun' gambling affiliate sites with the primary purpose of driving traffic to online gambling sites

Hacking and Cracking
Don't promote hacking and cracking sites.

Advertising is not permitted for the promotion of hacking or cracking and tools that aid in copyright infringement. For example, we do not permit:

Sites that provide instructions or equipment to illegally access or tamper with software, servers, or websites
Sites or products that enable illegal access of cell phones and other communications or content delivery systems/devices Mod chips, such as devices that unlock copyright protection
Products that descramble cable and satellite signals in order to get free cable services
Copied or backed-up version of software, CDs, or DVDs not intended for personal use
Products or services that circumvent digital rights management technologies or technical protection measures for copyrighted works

Inflating Ad Clicks or Impressions
Don't promote inflating ad clicks or impressions.

Advertising is not permitted for the promotion of inflating clicks or impressions on ads, such as pay-to-click, pay-to-view, auto-surfing, automated ad clicking, and other guaranteed traffic programs.

Miracle Cures
Don't promote miracle cures.

Advertising is not permitted for the promotion of miracle cures, such as 'Cure cancer overnight!'

Political Advertising
Political advertising is allowed.

We permit political advertisements regardless of the political views they represent. Stating disagreement with or campaigning against a candidate for public office, a political party, or public administration is generally permissible.

However, political ads must not include accusations or attacks relating to an individual's personal life, nor can they advocate against a protected group.

Prescription Drugs and Related Content
The promotion of prescription drugs and related content is restricted.

Prostitution
Don't promote prostitution.

Advertising is not permitted for the promotion of prostitution.

Scams/Phishing for Personal Information
Don't use phishing or other scamming tactics.

Advertising is not permitted for sites collecting sensitive personal information or money with fake forms, false claims, or unauthorized use of Trademarks. Examples of personal information include email addresses, user names, passwords, and/or payment information. In addition, advertising is not permitted for "run your car on water" programs or content.

Sexual & Adult Content
Ads may only use FamilySafe content.

Ads are reviewed and categorized as 'FamilySafe,' 'Non-FamilySafe,' or 'Adult Sexual Content' depending on the content of the ad and website. Only 'FamilySafe' images (contain no adult content) will be approved.

Your images may not contain:

Any material intended for persons over 18.
Mature sexual themes, nudity, and/or sexual activity.
Crude or indecent language.
Offensive or inappropriate content.
We reserve the right to exercise our editorial discretion concerning this image requirement
We do not accept any advertising for the promotion of child pornography, any sexually suggestive content involving children, or other non-consensual material. We also do not permit ads promoting teen pornography or other pornography that describes models who might be underage.

Examples include, but are not limited to, advertisements for 'teen xxx', 'teen porn', and 'school girl' pornography. Please note that We do not allow this content regardless of whether or not a site complies with government regulations on this kind of advertising.

Solicitation of Funds
The solicitation of funds is restricted.

If the solicitation of funds is promoted in ad text or occupies a significant portion of your site, the ad's landing page should clearly display tax-exempt status such as 501(c)(3) status in the United States, and should state whether the donations are tax-deductible in full or in part. Other countries need to have an equivalent status (must be a registered charity or not-for-profit organization).

However, for the solicitation of political donations, the ad's landing page must clearly state that the donations are not tax-deductible.

Template Sites for Ad Networks
Don't promote template sites for ad networks such as AdSense.

Advertising is not permitted for the promotion of template sites for ad networks. This includes products and services that create template or pre-generated websites solely intended to profit from ads.

Tobacco and Cigarettes
Don't promote tobacco and cigarettes.

Advertising is not permitted for the promotion of tobacco or tobacco-related products, including cigarettes, cigars, tobacco pipes, and rolling papers.

Traffic Devices
Don't promote illegal traffic devices.

Advertising is not permitted for the promotion of radar jammers, license plate covers, traffic signal changers, and related products.

In addition, advertising is not permitted for the promotion of radar detectors in Germany, France, Belgium, Luxemburg, Poland, or Switzerland.

Weapons
The promotion of weapons is restricted.

Advertising is not permitted for the promotion of certain weapons, such as firearms, firearm components, ammunition, balisongs (switchblades), butterfly knives, and brass knuckles.

Prizes Offered for Clicks
Don't offer prizes for clicks.

We do not accept ads that include a game or contest that can be played in order to win prizes or other compensation.

Repetition
Limit the repetition of your animation.

Animation is restricted to a maximum of 15 seconds (at a 15-20 fps frame rate).

Strobing & Flashing
Don't use strobe animation.

Strobing, flashing backgrounds, or otherwise distracting ads are not allowed.

'Trick to Click'
Don't mimic computer functions.

'Trick to click' ads which might confuse the user are not allowed. This includes ads that simulate a cursor arrow moving and clicking on the ad.

Illegal activity
Advertising, promoting, or facilitating illegal activity is not allowed.
Illegal contests, pyramid schemes, and chain letters
Advertising that promotes illegal contests, pyramid schemes, or chain letters is not allowed.

Violations of Terms and Conditions of Use
MFFAIS.COM reserves the right to seek all remedies available at law and in equity for violations of these Terms and Conditions of Use, including the right to block access from a particular Internet address to our site.

¬ Copyright 2005 MFFAIS.COM.
All Rights Reserved.