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User Agreement - Any Account that DOES NOT place the code in 48 hours will be deleted.

- X Rated Banner does NOT allow any ads describing or depicting bestiality.

- X Rated Banner does NOT allow any "child pornographic" web sites.

- A member may not artificially inflate traffic counts to his/her site using a device, program, or other means. A member may not insert more than 2 banner exchange code per page. A member may not include the banner exchange HTML code on any pages that automatically reload or go to another page without interaction from the user (i.e., client pull or server push) or on a page which is inaccessible to the general surfing population including but not limited to pop-up windows and hidden frames. A member may not place his/her banner exchange HTML code on pages that are unrelated to the site being advertised. Anyone found in violation of these policies will be banned and lose all credits pending on his/her account.

- All members agree to use the services of this banner exchange program at their own risk. X Rated Banner or its administrators cannot be held liable for any damage or loss of information that may occur from the use of the services of this banner exchange program.

- Although we will make a reasonable effort to provide a high standard of quality for our services, we make no guarantees of any kind regarding the dependability, accuracy, or timeliness of the services.

- Anyone found in deliberate violation of these terms and conditions is subject to being banned from X Rated Banner Adult Banner Exchange and lose any credits pending on his/her account.

- You agree to defend, indemnify and hold X Rated Banner harmless from and against any and all claims, losses, liability costs and expenses (including but not limited to attorneys' fees) arising from your violation of this Agreement or any third-party's rights, including but not limited to infringement of any copyright, violation of any proprietary right and invasion of any privacy rights. This obligation will survive any termination of this Agreement.

General Terms and Conditions of Use

1. General.

These General Terms and Conditions of Use (\"Terms\") are entered into by and between you and S & M Products, a Missouri corporation (\"S & M Products\"). In consideration of your use of and access to this Internet site (the \"Devine Fantasy Site\"), and the promises and obligations herein, and intending to be legally bound, you and S & M Products hereby agree as follows: Your access to and use of the X Rated Banner Site is subject to these Terms, as well as any modifications issued by S & M Products to these Terms, and all applicable laws and regulations. BY USING THE X Rated Banner SITE, YOU AGREE TO AND WILL BE DEEMED TO BE BOUND BY THESE TERMS. If you do not want to be bound by these Terms, do not use the X Rated Banner Site. Among other things, the X Rated Banner Site provides information concerning various products and services and the opportunity to obtain additional information concerning those products and services or to purchase them. These Terms and the information provided in the Devine Fantasy Site in no way override the terms and conditions of your purchase of any product or service except as specifically provided herein. To the extent any area within the X Rated Banner Site contains specific terms and conditions concerning its use (\"Specific Terms\"), those Specific Terms are in addition to these Terms. To the extent there is a direct conflict between these Terms and the Specific Terms, the Specific Terms shall prevail.

2. Changes in Terms.

S & M Products shall have right at any time and without prior notice, at its sole discretion, to revise these Terms or to impose new terms and conditions with respect to access to or use of the Devine Fantasy Site. Such revisions and additions shall be effective immediately upon notice thereof, which may be given by any means, including but not limited to posting the revised or additional terms and conditions on the Devine Fantasy Site. You are responsible for reviewing the Devine Fantasy Site periodically for any modification to this Agreement that may affect your rights or obligations hereunder. You agree that you shall be deemed to be apprised of and bound by any modification by S & M Products to these Terms. ANY ACCESS OR USE OF THE X Rated Banner SITE BY YOU AFTER NOTICE OF REVISIONS OR ADDITIONS TO THESE TERMS SHALL CONSTITUTE AND BE DEEMED TO BE YOUR AGREEMENT TO SUCH REVISIONS OR ADDITIONS. No modification to these Terms by any party other than S & M Products shall be valid or enforceable against S & M Products unless expressly agreed to by S & M Products in a writing signed by a duly authorized officer of S & M Products.

3. Termination.

These Terms are effective until terminated by S & M Products. S & M Products may terminate these Terms without notice and at any time. In the event of termination, you are no longer authorized to access the X Rated Banner Site, and the restrictions imposed on you with respect to the Content, and the disclaimers, indemnities, and limitations of liabilities set forth in these Terms shall survive termination. S & M Products shall also have the right without notice and at any time to terminate the Devine Fantasy Site or any portion thereof, or any products or services offered through the X Rated Banner Site, or to terminate any individuals right to access or use the X Rated Banner Site or any portion thereof.

4. Compliance with Laws

You agree to comply with all applicable laws, statutes, ordinances and regulations regarding your use of the X Rated Banner Site and your purchase of the items on the Devine Fantasy Site. You must be at least 18 years old to use the X Rated Banner Site.

5. Content.

The text, images, photographs, graphics, logos, illustrations, descriptions, data, and other material provided on the X Rated Banner Site, as well as the selection, assembly and arrangement thereof, are referred to collectively as the \"Content.\" The Content may contain errors, omissions, or typographical errors or may be out of date. S & M Products may change, delete, or update any Content at any time and without prior notice. The Content is provided for informational purposes only and is not binding on S & M Products in any way except to the extent it is specifically indicated to be so. Unless otherwise noted, all Content is protected by copyrights, trademarks, service marks, and other proprietary rights that are owned by S & M Products or by third parties that have licensed their use to S & M Products. You may view and use the Content only for your personal information and for shopping and ordering on the X Rated Banner Site, and for no other purpose, and you shall retain intact all copyright and other proprietary notices. Except as provided in the foregoing, S & M Products does not grant to you or any person any right to use, reproduce, copy, modify, transmit, display, publish, sell, license, create derivative works, publicly perform, or distribute by any means, method, or process whatsoever, now known or hereafter developed, any of the Content on or transmitted through the Devine Fantasy Site, including without limitation by transferring, downloading or otherwise copying any Content onto any disk drive or other storage medium. Any use of the Content, except as specifically permitted in these Terms or as otherwise expressly permitted in the Content or in a writing signed by S & M Products, is strictly prohibited.

6. Linked Third Party Sites.

Links to other Internet sites operated by third parties, including S & M Products vendors, do not constitute sponsorship, endorsement, or approval by S & M Products of the content, policies, or practices of such linked sites. Linked sites are not operated, controlled, or maintained by S & M Products, and S & M Products is not responsible for the availability, content, security, policies, or practices of linked sites, including without limitation privacy policies and practices. Links to other sites are provided for your convenience only, and you access them at your own risk.

7. Prices; Orders.

All prices displayed on the X Rated Banner Site are quoted in U.S. dollars. S & M Products may restrict delivery to addresses within the United States and Canada. S & M Products will add shipping and handling fees and applicable sales/use tax. S & M Products reserves the right without prior notice to discontinue or change specifications and prices on products and services offered on the X Rated Banner without incurring any obligation to you. Products displayed on this site are available while supplies last. Descriptions of, or references to, products or services on the X Rated Banner Site do not imply endorsement of that product or service, or constitute a warranty, by S & M Products. The receipt by you of an order confirmation does not constitute S & M Products acceptance of an order. Prior to S & M Products acceptance of an order, verification of information may be required. S & M Products reserve the right at any time after receipt of your order to accept or decline your order, or any portion thereof, even after your receipt of an order confirmation from S & M Products, for any reason. S & M Products reserve the right to limit the order quantity on any item and to refuse service to any customer without prior notification. In the event that a product or service is listed at an incorrect price due to supplier pricing information or typographical error, S & M Products shall have the right to refuse or cancel orders placed for the product listed at the incorrect price, regardless of whether the order has been confirmed and your credit card charged. If your credit card has already been charged for the purchase and your order is canceled, S & M Products shall promptly issue a credit to your credit card account in the amount of the incorrect price.

8. Disclaimer and Limitation of Liability as to the Devine Fantasy Site and Content.

S & M Products MAKES NO WARRANTIES OR REPRESENTATIONS WHATSOEVER WITH RESPECT TO THE Devine Fantasy SITE OR ANY LINKED SITE OR ITS CONTENT, INCLUDING THE AVAILABILITY OF ANY SITE OR THE CONTENT, INFORMATION AND MATERIALS ON IT OR THE ACCURACY, COMPLETENESS, OR TIMELINESS OF THAT CONTENT, INFORMATION AND MATERIALS. S & M Products ALSO DOES NOT WARRANT OR REPRESENT THAT YOUR ACCESS TO OR USE OF THE Devine Fantasy SITE OR ANY LINKED SITE WILL BE UNINTERRUPTED OR FREE OF ERRORS OR OMISSIONS, THAT DEFECTS WILL BE CORRECTED, OR THAT THE Devine Fantasy SITE OR ANY LINKED SITE IS FREE OF COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS. WITHOUT LIMITING THE FOREGOING, ALL CONTENT PROVIDED ON THE Devine Fantasy SITE IS PROVIDED TO USERS \"AS IS,\" WITH NO WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, SECURITY OR ACCURACY. THE \"AS IS\" CONDITION OF CONTENT IS EXPRESSLY MADE A CONDITION OF ANY TRANSACTION ARISING THROUGH OR AS A RESULT OF THE X Rated Banner SITE. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Check your local laws for any restrictions or limitations regarding the exclusion of implied warranties. UNDER NO CIRCUMSTANCES SHALL S & M Products, ITS SUPPLIERS OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES OR AGENTS BE LIABLE TO YOU OR TO ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, WHETHER IN CONTRACT OR IN TORT, INCLUDING NEGLIGENCE, ARISING IN ANY WAY OUT OF ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE Devine Fantasy SITE OR ANY LINKED SITE OR ITS CONTENTS, INCLUDING BUT NOT LIMITED TO LOST PROFITS, BUSINESS INTERRUPTION, OR LOSS OF PROGRAMS OR OTHER DATA ON COMPUTER SYSTEMS OR OTHERWISE, EVEN IF S & M Products IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

9. Disclaimer and Limitation of Liability as to Products and Services.

DUE TO THE PERSONAL NATURE OF ALL PRODUCTS, RETURNS CANNOT BE ACCEPTED. ACCORDINGLY, S & M Products MAKES NO REPRESENTATION OR WARRANTY WITH RESPECT TO ANY PRODUCT OR SERVICE SOLD. EXCEPT AS EXPRESSLY STATED HEREIN, S & M Products EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, OF ANY KIND WITH RESPECT TO PRODUCTS AND SERVICES SOLD ON THE Devine Fantasy SITE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. UNDER NO CIRCUMSTANCES SHALL S & M Products, ITS SUPPLIERS OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES OR AGENTS BE LIABLE TO YOU OR TO ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS AND BUSINESS INTERRUPTION, WHETHER IN CONTRACT OR IN TORT, INCLUDING NEGLIGENCE, ARISING IN ANY WAY FROM ANY PRODUCT OR SERVICE SOLD OR PROVIDED ON THE X Rated Banner SITE, EVEN IF S & M Products IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL S & M Products LIABILITY EXCEED THE PRICE YOU PAID FOR THE PRODUCT OR SERVICE THAT IS THE SUBJECT OF THE CLAIM.

10. Indemnification.

You agree to defend, indemnify, and hold harmless S & M Products, S & M Products vendors, and their affiliates and related entities and their respective directors, officers, employees, and agents from and against all claims, losses, damages, liabilities, and costs (including but not limited to reasonable attorneys fees and court costs), arising out of or relating to your breach of these Terms or your access to or use of the Devine Fantasy Site. The foregoing indemnification obligation shall survive termination of these Terms and the Devine Fantasy Site and any product or service provided to you arising out of or relating to your use of the X Rated Banner Site.

11. Submissions.

Except as otherwise expressly provided herein or in the S & M Products PRIVACY STATEMENT posted on the X Rated Banner Site, any communication or material you transmit to the X Rated Banner Site by electronic mail or otherwise, including any questions, comments, suggestions, or the like, is and will be treated as non-confidential and non-proprietary and may be used by S & M Products, S & M Products vendors, or their affiliates or related entities for any purpose, including but not limited to reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, S & M Products, S & M Products vendors, and their affiliates and related entities are free to use any ideas, concepts, know-how, or techniques contained in any communication you send to the Devine Fantasy Site for any purpose whatsoever, including, but not limited to, developing, manufacturing, and marketing products or services using information contained in such communication.

12. Miscellaneous.

These Terms constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. No waiver by S & M Products of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. If any provision of these Terms shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from the Terms and shall not affect the validity and enforceability of any other provisions of the Terms. The headings and captions in these Terms are intended for convenience only and shall in no way affect the interpretation of the Terms. S & M Products shall not be liable for any nonperformance or delay in performance caused by any act beyond its reasonable control, including but not limited to acts or omissions of third parties, unavailability of supplies, equipment failure, war, strikes, lock-outs, fire, flood, or any other Act of God, any law, regulation, ordinance, or other act or order of any court, government, or governmental agency, or delays, unavailability, errors, or other failures of the Internet or other data networks. Access to or use of the X Rated Banner Site shall not be construed as S & M Products purposeful availment of the privilege or benefits of doing business in any state or legal jurisdiction other than the State of Missouri. This Agreement shall be governed by and construed in accordance with the laws of the State of Missouri, without regard to conflicts of law provisions. Additionally, any claims brought against S & M Products shall be governed by and construed in accordance with the laws of the State of Missouri.

Your Privacy is our Priority

When you buy from S & M Products the Internet, we protect your privacy. We do not sell, rent, or exchange customer information. We share identifiable information only with those parties entrusted with the processing of your account and the fulfillment of your order. We established procedures to protect your privacy, which we vigorously uphold. Of course, this policy does not apply to information we are required to disclose by law, or in cooperation with law enforcement agencies.

Information regarding you (such as name, address, phone number, and email address) or your order and the products you purchase will not be given or sold to any outside organization for its use in marketing or solicitation.

X Rated Banner gathers navigational information about where you go on our Web site and information about the technical efficiencies of our web site and services (i.e. time to connect to our web site, time to download pages). This information allows us to see which areas of X Rated Banner are most visited and helps us better understand our customers experience at X Rated Banner. This helps us improve the quality of visitors online shopping experiences by recognizing and delivering more of the features, services and products our visitors prefer. Additional non-personally identifiable information (i.e. domain type, browser version, service provider and IP address) may be collected which will provide information regarding your use of our Web site (such as the time of your last visit to a page on our site).

Customer information is gathered so we can better serve you, and we make every possible effort to ensure its security and to treat your information responsibly. When you become a S & M Products customer, we ask for your name, address, e-mail address, and phone number. We also ask for your credit card number and its expiration date, should you select that method for payment. Once we have your credit card information, we will not ask for it again unless a change is required, or you request shipping to another address. Your order history information is maintained in order to service your account.

X Rated Banner believes in providing a safe and secure shopping experience for all of our clients. We provide stringent and effective security measures on our Web site. It is our policy to never send your credit card number via e-mail. In fact, this is a practice we recommend you adopt in all of your Internet activities.

We designed X Rated Banner to accept orders only from Web browsers that permit communication through Secure Socket Layer (SSL) technology; for example, 3.0 versions or higher of Netscape Navigator and versions 3.02 or higher of Internet Explorer. This means youll be unable to inadvertently place an order through an unsecured connection.

S & M Products utilizes Secure Socket Layer (SSL) software when receiving and transmitting electronic payments. S & M Products encrypts the information you provide. S & M Products reveals on the last four digits of your credit card numbers when processing your transaction internally, and we reveal the entire number when communicating on a private dedicated line of communication with our acquiring bank. Additionally, S & M Products employees the following security measures:

1. S & M Products conducts background and credit checks on all of its employees prior to employment.

2. S & M Products employs a username password scheme in order to limit and archive access to its computer network by its employees, and third parties.

3. S & M Products facility utilizes automatic locking doors that require a special security card for entry, and different levels of access exist throughout the S & M Products campus. S & M Products video tapes key areas of its facility.

If you have any questions regarding S & M Products Privacy Statement, you can e-mail us through lblanks@X Rated Banner.com . Please be sure to include your e-mail address so we can respond to your questions. If you prefer, call 1-573-436-1266, and a Customer Service Representative will take your call. Or, you can write to us at: S & M Products, Inc. Customer Service, 578 Cheryl dr Potosi Mo 63664. S & M Products reserves the right to modify, change or replace this policy at its discretion.