TERMS
                                                   AND CONDITIONS OF USE OF
                                                   
                                                   
                                                   
                                                   DrRichardStock.com
                                                   
                                                   1         ACCEPTANCE
                                                   OF TERMS
                                                   
                                                   1.1    Your
                                                   access to and use of Dr. Richard Stock's ("the Website") and any Services referred to in Clause 2, is subject exclusively
                                                   to these Terms and Conditions.  You will not use the Website/Services for any purpose that is unlawful or
                                                   prohibited by these Terms and Conditions.  By using the Website/Services you are fully accepting the terms,
                                                   conditions and disclaimers contained in this notice.  If you do not accept these Terms and Conditions you
                                                   must immediately stop using the Website/Services.
                                                   
                                                   1.2    
                                                   We reserve the right to update or amend these Terms and Conditions at any time and your continued use of the Website/Services
                                                   following any changes shall be deemed to be your acceptance of such change.  It is therefore your responsibility
                                                   to check the Terms and Conditions regularly for any changes.
                                                   
                                                   2         
                                                   THE SERVICES
                                                   
                                                   The Website may provide
                                                   communication tools such as email, bulletin boards, chat areas, news groups, forums and/or other message or communication
                                                   facilities ("the Services") designed to enable you to communicate with others. Unless stated otherwise the Services are for
                                                   your personal and non-commercial use only.
                                                   3         
                                                   CHILD SUPERVISION
                                                   
                                                   We are concerned about
                                                   the safety and privacy of our users, particularly children. Parents who wish to allow their children access to and use of
                                                   the Website/Services should supervise such access and use. By allowing your child access to the Services you are allowing
                                                   your child access to all of the Services, including email, bulletin boards, chat areas, news groups, forums and/or other message
                                                   or communication facilities. It is therefore your responsibility to determine which Services are appropriate for your child.
                                                   Always use caution when revealing personally identifiable information about yourself or your children via any of the Services.
                                                   4         
                                                   PRIVACY POLICY
                                                   
                                                   4.1    We are
                                                   committed to responsible data management and subscribe to the principals of the data protection legislation in the State of
                                                   New York. We are committed to maintaining the privacy of our users and maintaining the security of any personal information
                                                   received from you. If you register for any of the Services you will be asked to provide basic personal information. The information
                                                   provided by you is not available for sale or use by third parties. The information is used solely for notifying you of changes
                                                   or updates to the Website/Services.
                                                   
                                                   4.2    
                                                   We use a technology called "cookies" as part of our normal business procedure to track patterns of behaviour of visitors
                                                   to the Website. A cookie is an element of data that the Website sends to your browser that is then stored on your system.
                                                   You can set your browser to prevent this happening. Any information collected in this way can be used to identify you unless
                                                   you change your browser settings.
                                                   
                                                   5         
                                                   USER ACCOUNT, PASSWORD AND SECURITY
                                                   
                                                   If a particular Service
                                                   requires you to open an account you will be required to complete the registration process by providing certain information
                                                   and registering a username and password for use with that Service. You are responsible for maintaining the confidentiality
                                                   of the username and password and also for all activities which take place under your account. You agree to immediately notify
                                                   us of any unauthorised use of your password or account or any other breach of security. In no event will Dr. Richard Stock's
                                                   be liable for any indirect or consequential loss or damage whatsoever resulting from the disclosure of your username and/or
                                                   password. You may not use another person's account at any time, without the express permission of the account holder.
                                                   6         
                                                   ACCEPTABLE USE
                                                   
                                                   6.1    You
                                                   acknowledge that all information, text, graphics, logos, photographs, images, moving images, sound, illustrations and other
                                                   materials ("the Content"), whether posted publicly or transmitted privately, are the sole responsibility of the person from
                                                   whom such Content originated. We do not control or endorse the Content and cannot guarantee the accuracy, integrity or quality
                                                   of such Content and you acknowledge that by using the Services you may be exposed to Content that is offensive and/or indecent.
                                                   Dr. Richard Stock's will not be liable in any way for any Content or for any loss or damage of any kind resulting from the
                                                   use of any Content transmitted via the Services and you agree to bear all risks associated with the use of any Content, including
                                                   any reliance on the accuracy or completeness of such Content.
                                                   
                                                   6.2    
                                                   In using the Website/Services you agree not to:
                                                   
                                                   6.2.1    
                                                   use the Services to send junk email, spam, chain letters, pyramid schemes or any other unsolicited messages, commercial
                                                   or otherwise;
                                                   6.2.2    
                                                   post, publish, distribute or disseminate material or information that is defamatory, infringing, obscene, indecent,
                                                   threatening, abusive, harassing or unlawful;
                                                   6.2.3    
                                                   post, publish, distribute or disseminate material or information that incites discrimination, hate or violence towards
                                                   any person or group on account of their race, religion, disability, nationality or otherwise;
                                                   6.2.4    
                                                   threaten, abuse, disrupt, stalk or otherwise violate the legal rights (including rights of privacy and publicity) of
                                                   others;
                                                   6.2.5    
                                                   use any information or material in any manner that infringes any copyright, trademark, patent or other proprietary
                                                   right of any party;
                                                   6.2.6    
                                                   make available or upload files that contain a virus, worm, trojan or corrupt data that may damage the operation of
                                                   the computer or property of another;
                                                   6.2.7    
                                                   collect or store personal information about others, including email addresses;
                                                   6.2.8    
                                                   advertise or offer to buy or sell goods or services for any commercial purpose, unless such communication facility
                                                   specifically allows such messages;
                                                   6.2.9    
                                                   impersonate any person or entity for the purpose of misleading others;
                                                   6.2.10   violate
                                                   any applicable laws or regulations;
                                                   6.2.11   use
                                                   the Website/Services in any manner that could damage, disable, overburden or impair the Website/Services or interfere with
                                                   any other party's use and enjoyment of the Website/Services;
                                                   6.2.12   post,
                                                   publish, distribute or disseminate material or information that you do not have a right to transmit under any law or under
                                                   contractual or fiduciary relationships (such as inside information or confidential information disclosed in the course of
                                                   employment or under a confidentiality agreement);
                                                   6.2.13   attempt
                                                   to gain unauthorised access to any of the Services, other accounts, computer systems or networks connected to the Website/Services
                                                   through hacking, password mining or any other means.
                                                   6.3    
                                                   We have no obligation to monitor the Services but shall be entitled to review materials posted to a communications
                                                   facility and, at our sole discretion, to remove any material that breaches these Terms and Conditions or is otherwise objectionable.
                                                   
                                                   7         
                                                   TERMINATION
                                                   
                                                   We have the right to
                                                   terminate your access to any or all of the Services at any time, without notice, for any reason, including without limitation,
                                                   breach of these Terms and Conditions. We may also at any time, at our sole discretion, discontinue the Website/Services or
                                                   any part thereof without prior notice and you agree that we shall not be liable to you or any third party for any termination
                                                   of your access to the Website/Services.
                                                   8         
                                                   LINKS TO THIRD PARTY WEBSITES
                                                   
                                                   The Website/Services
                                                   may include links to third party websites that are controlled and maintained by others. Any link to other websites is not
                                                   an endorsement of such websites and you acknowledge and agree that Dr. Richard Stock's is not responsible for the content
                                                   or availability of any such sites.
                                                   9         
                                                   INTERNATIONAL USE
                                                   
                                                   You agree to comply
                                                   with all applicable laws regarding the transmission of technical data exported from the State of New York or the country in
                                                   which you reside (if different) and with all local laws and rules regarding acceptable use of and conduct on the Internet.
                                                   10       
                                                   INTELLECTUAL PROPERTY RIGHTS
                                                   
                                                   10.1    The
                                                   Website and its content (including without limitation the Website design, text, graphics and all software and source codes
                                                   connected with the Website and the Services) are protected by copyright, trade marks, patents and other intellectual property
                                                   rights and laws. In accessing the Website you agree that you will access the contents solely for your personal, non-commercial
                                                   use. None of the content may be downloaded, copied, reproduced, transmitted, stored, sold or distributed without the prior
                                                   written consent of the copyright holder. This excludes the downloading, copying and/or printing of pages of the Website for
                                                   personal, non-commercial home use only.
                                                   
                                                   10.2    
                                                   Dr. Richard Stock's does not claim ownership of any materials you post, upload or submit to any publicly accessible
                                                   area of the Services. However, by doing so you are granting us a world-wide, royalty free, non-exclusive licence to copy,
                                                   distribute, transmit, reproduce, publicly display, edit, translate or publish such Content for as long as you elect to display
                                                   such Content via the Services. The licence shall be terminated when such Content is deleted from the Services.
                                                   
                                                   11       
                                                   INDEMNITY
                                                   
                                                   You agree to indemnify
                                                   and hold Dr. Richard Stock's harmless from and against any breach by you of these Terms and Conditions and any claim or demand
                                                   brought against Dr. Richard Stock's by any third party arising out of your use of the Services and/or any Content submitted,
                                                   posted or transmitted through the Services, including without limitation, all claims, actions, proceedings, losses, liabilities,
                                                   damages, costs, expenses (including reasonable legal costs and expenses) howsoever suffered or incurred by Dr. Richard Stock's
                                                   in consequence of your breach of these Terms and Conditions.
                                                   12        DISCLAIMERS
                                                   AND LIMITATION OF LIABILITY
                                                   
                                                   12.1    Use
                                                   of the Website/Services is at your own risk. The Website/Services are provided on an "AS IS" and "AS AVAILABLE" basis without
                                                   any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited
                                                   to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security
                                                   and accuracy.
                                                   
                                                   12.2    
                                                   To the extent permitted by law, Dr. Richard Stock's will not be liable for any indirect or consequential loss or damage
                                                   whatsoever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with
                                                   the use of the Website/Services.
                                                   
                                                   
                                                   12.3    Dr.
                                                   Richard Stock's makes no warranty that the Website/Services will meet your requirements, that Content will be accurate or
                                                   reliable, that the functionality of the Website/Services will be uninterrupted or error free, that defects will be corrected
                                                   or that the Website/Services or the server that makes them available are free of viruses or anything else which may be harmful
                                                   or destructive.
                                                   
                                                   12.4    
                                                   Nothing in these Terms and Conditions shall be construed so as to exclude or limit the liability of Dr. Richard Stock's
                                                   for death or personal injury as a result of the negligence of Dr. Richard Stock's.
                                                   
                                                   12.5    Nothing
                                                   in these Terms and Conditions shall affect your statutory rights as a consumer.
                                                   
                                                   13       
                                                   SEVERANCE
                                                   
                                                   If any of these Terms
                                                   and Conditions should be determined to be invalid, illegal or unenforceable for any reason by any court of competent jurisdiction
                                                   then such Term or Condition shall be severed and the remaining Terms and Conditions shall survive and remain in full force
                                                   and effect and continue to be binding and enforceable.
                                                   14       
                                                   GOVERNING LAW
                                                   
                                                   These Terms and Conditions
                                                   shall be governed by and construed in accordance with the law of the state of New York and you hereby submit to the exclusive
                                                   jurisdiction of the State of New York courts.
                                                   
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