Curismed Terms of Use
General
Please read the following terms and conditions of use (the “Agreement”) carefully. By using the
services (the “Services”) provided by Amromed LLC (a.k.a “Curismed” and referred to in this
Agreement as “Curismed”), you (the “Client”) acknowledge that you have read this Agreement and
that you accept and will be bound by the terms of this Agreement. The term “Client” shall also
include (i) any entity owned or operated by the Client to facilitate the Client’s practice; and (ii)
persons accessing the Services on behalf of the Client. Client and Curismed shall individually be
referenced as a "Party" and collectively, as the "Parties" in this Agreement.
All terms of this Agreement shall be subject to and shall be in compliance with Sections 261 through
264 of the Federal Health Insurance Portability and Accountability Act of 1996. When in conflict, the
terms of the HIPAA Business Associate Agreement shall supersede the terms outlined in this
Agreement.
Client agrees that in order to maintain timely access to the information entered into the Curismed
application he or she is responsible for keeping Client’s Curismed account in good standing which
includes payment of monthly fees on time and in full.
Services
Curismed provides Services to Client. Curismed, from time to time, may modify, upgrade or
otherwise change the manner in which the Services are provided including, but not limited to, the
hardware, software, features or environment. Curismed will make an effort to maintain functionality
and reliability as compared to the prior Services being otherwise changed.
If the Services include electronic claims or other billing services, Client agrees that securing payment
from its patients for treatment rendered is the sole responsibility of the Client and that Curismed
cannot guarantee payment for billing or claims services. Client agrees that Curismed is not a
clearinghouse, Curismed is not responsible for misinformation from payers or associated
clearinghouses, and Curismed is not responsible for payers or clearinghouses that incorrectly
update or fail to update information.
Confidentiality
Client agrees to provide true, accurate and complete information about itself and its authorized users
of the Services. All proprietary and confidential information and materials ("Confidential
Information") of either party will be held in confidence by the other party. Confidential Information
will include, without limitation, information relating to a party’s business and marketing plans and
processes, rates, fees and other terms of pricing of the Services, customers, software, hardware and
technology, or quality of performance of the Services. Confidential Information will not include
information (a) already known or independently developed by the recipient, (b) in the public domain
through no wrongful act of the recipient, or (c) received by the recipient from a third party who was
authorized to disclose it. Client’s Confidential Information will include "Personally Identifiable
Information" about Client and its authorized users. Personally, Identifiable Information is information
that personally identifies a person or entity. Curismed will not, nor knowingly permit others to
release Personally Identifiable Information without the written consent of Client. Neither party will
use (for itself or for any third party) or disclose, nor permit any other person or entity under its control
to use or disclose any Confidential Information, except (A) to employees, agents, third party
contractors, or representatives of the recipient who have a "need to know" the information and are
subject to an obligation of confidentiality at least as restrictive as the restrictions contained in this
Confidentiality section, (B) if required by law or legal process, (C) to enforce this Agreement
(including the Rules), (D) to respond to claims that any content violates the rights of third parties, or
(E) to protect the rights, property, or personal safety of us, users of the Services or members of the
public. Each party will promptly notify the other party if it receives a request for the other party’s
Confidential Information (unless notice is prohibited by law), and will reasonably cooperate with the
other party’s efforts to seek protection from disclosure. Upon termination of this Agreement, the
provisions of this Confidentiality section will survive for a period of one (1) year from the termination
date, and each party will either return to the other party all Confidential Information of the other party
in its possession or control, or, at the other party’s request, destroy any such Confidential
Information.
Security
Client agrees to keep secure and confidential any login credentials, including but not limited to login
emails, user names, and passwords (collectively or individually "ID") whether issued by Curismed to
Client or created by Client. The client will be fully responsible for all activity that occurs under the
use of Client’s ID. Client agrees to immediately notify Curismed in writing of any unauthorized use of
Client’s ID. Curismed will use commercially reasonable efforts to protect the security of the
Services; however, Curismed does not warrant or guarantee the integrity or the security of the
Services or of the content, information or data transmitted through or contained within any portion of
the Services.
Proprietary Rights
Curismed owns or has authority to use any and all rights pertaining to (a) the content contained in or
presented through the Services by Curismed or by third parties engaged by Curismed, (b) the
software, hardware, files, processes, systems, databases and tools used or provided to Client by
Curismed or by third parties engaged by Curismed to provide the Services, (c) the Supplemental
Materials (as defined below), (d) other tangible and intangible personal property relating to the
Services, and (e) the trade names, trademarks, service marks, copyrights, patents, inventions, trade
secrets, know-how and other intellectual property rights relating to the foregoing (sections (a), (b),
(c), and (d) in this Proprietary Rights section shall collectively be referred to as "Curismed
Property"). Subject to Client’s compliance with these terms and conditions, Client has a non-
exclusive, non-assignable and non-sublicensable right to (i) distribute both paper and electronic
copies of the content contained or presented through the Services by Curismed only to Client’s bona
fide patients for their personal use in connection with Client’s provision of medical and health-related
services to such patients and (ii) create derivative works from such content solely for internal use
and not for distribution of any kind. Except as expressly granted in the foregoing sentence, Client is
prohibited from publishing, distributing (including, without limitation, via the Internet or any other
public computer-based information system), creating derivative works (including translating),
transferring, selling, leasing, licensing, or otherwise making available any Curismed Property to any
party not expressly authorized by Curismed in writing. The client is granted the right to use that
portion, and only that portion, of Curismed Property that is contemplated in this Agreement. Client
will not copy, revise, alter, modify, decompile, reverse engineer, assemble, or attempt to discover,
nor sell, assign, sublicense, encumber, or otherwise transfer any interest in any Curismed Property,
including, without limitation, any object code, source code, underlying processes or algorithms
contained therein, other than as is permitted by Curismed in writing, and Client will not permit any
person or entity to commit or engage in such activities or conduct. Client acknowledges that any
violation of this Proprietary Rights section imposes a serious threat to Curismed’s business and its
ability to exist.
Third Party Relationships
If Client acquires goods or services from a third party, whether or not the goods or services are used
as part of the Services, Client agrees that it's business dealings with that third party are solely
between Client and the third party. Curismed has no liability for any reason in any way arising from
Client’s relationship with such third parties or the goods or services acquired, including, without
limitation, complaints or claims concerning failure to perform, defects in goods or services or
otherwise. Links to websites or resources may be provided by Curismed or third parties as part of
the Services. Client agrees that Curismed has no control over such other websites or resources,
and is not responsible in any way for those other websites or resources including without limitation
any content, advertising, products or material on or available from such other websites or resources.
Disclaimers and Limitations
SUBJECT TO THE LIMITED WARRANTIES SET FORTH IN CURISMED’S LIMITED WARRANTY
SECTION, CLIENT’S USE OF THE SERVICES AND ANY EQUIPMENT, SOFTWARE,
HARDWARE, AND SUPPLEMENTAL MATERIALS PROVIDED IN CONNECTION WITH THE
SERVICES, IS ON AN "AS IS" BASIS. WHILE CURISMED WILL EXERCISE ITS BEST EFFORTS
TO PROVIDE THE SERVICES, CURISMED DOES NOT MAKE, AND HEREBY DISCLAIMS ANY
AND ALL WARRANTIES, EXPRESS OR IMPLIED, OF ANY KIND OR NATURE WITH RESPECT
TO THE SERVICES OR SUCH PROPERTY, INCLUDING, WITHOUT LIMITATION, ANY
WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-
INFRINGEMENT. NEITHER CURISMED NOR ANY OTHER PERSON OR ENTITY INVOLVED IN
CREATING, PRODUCING OR DELIVERING ANY OF THE SERVICES PROMISES, REPRESENTS
OR WARRANTS THAT THE SERVICES WILL BE TIMELY, UNINTERRUPTED OR ERROR-FREE,
THAT DEFECTS, WILL BE CORRECTED, OR THAT THE SERVICES OR THE SERVERS OR
OTHER PROPERTY THAT ARE USED IN PROVIDING THE SERVICES WILL BE FREE OF
VIRUSES OR OTHER HARMFUL COMPONENTS. CURISMED HEREBY SHALL NOT BE LIABLE
OR RESPONSIBLE IN ANY WAY FOR ANY INACCURACY, ILLEGALITY, AND/OR
INAPPROPRIATENESS OF ANY CONTENT PROVIDED TO ANY WEBSITE OR ANY PUBLIC
AREA, ANY DAMAGE, DESTRUCTION OR CORRUPTION OF ANY CONTENT OR OTHER DATA,
OR ANY USE OR MISUSE OF, OR INABILITY TO USE, THE SERVICES BY ANY PERSON OR
ENTITY. IN NO EVENT WILL CURISMED NOR ANY OTHER PERSON OR ENTITY INVOLVED IN
CREATING, PRODUCING OR DELIVERING ANY OF THE SERVICES BE LIABLE FOR ANY
INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES,
INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOST PROFITS, GOODWILL, USE, DATA,
OR OTHER INTANGIBLE LOSSES (EVEN IF CURISMED HAS BEEN NOTIFIED OF THE
POSSIBILITY OF SUCH LOSSES) ARISING OUT OF OR RELATED TO THIS AGREEMENT OR
THE SERVICES. CURISMED’S MAXIMUM LIABILITY FOR ANY CLAIM ARISING OUT OF THIS
AGREEMENT OR THE SERVICES WILL BE LIMITED TO THE AMOUNT OF FEES PAID BY
CLIENT TO CURISMED UNDER THIS AGREEMENT FOR THE TWELVE (12) MONTHS PERIOD
IMMEDIATELY PRIOR TO WHEN ANY CLAIM OR CAUSE OF ACTION AROSE.
Client agrees that any claim or cause of action which Client may have arising out of a claim related
to this Agreement or the Services must be filed within one (1) year after such claim or cause of
action arises, or the claim or cause of action will forever be barred. Each party must provide written
notice to the other party at least thirty (30) calendar days prior to filing or otherwise initiating any
action, charge or lawsuit against the other. The written notice must describe the factual basis for the
dispute, and provide at least thirty (30) calendar days for the receiving party to remedy, cure or
otherwise resolve the matters stated in the notice. Curismed will not be liable for failure or delay in
performing the Services or other obligations under this Agreement if the failure or delay is due to
circumstances beyond Curismed’s control including, without limitation, acts of any governmental
body, war, insurrection, sabotage, embargo, fire, flood, strike or other labor disturbance, interruption
of or delay in transportation, unavailability of, interruption or delay in telecommunication or third party
services (including DNS propagation), failure of third party software or hardware, or inability to obtain
raw materials, supplies, or power used in equipment needed for the provision of the Services.
Ownership of Data and Materials
Curismed agrees that Client’s documents are the exclusive property of the Client. Curismed agrees
that it will protect the Client’s property interests and rights in and to such documents. Curismed
agrees that it shall not at any time challenge or contest the validity or ownership of Client of such
documents and that nothing in this Agreement shall be construed to limit Client’s property rights in
such documents. Upon the request of Client at any time, and upon the termination of this
Agreement, Curismed shall transmit to Client a copy of Client’s completed patient documentation,
subject to reasonable fees to be paid by Client to Curismed. Upon termination of this Agreement,
Curismed shall not use or disclose any Client documents, and upon the written request of the Client,
shall arrange for the destruction of all such documents. Curismed may aggregate or perform
statistical analysis on obfuscated Client documents or information and will retain all rights and
ownership of said analysis.
Use of Supplemental Materials
“Supplemental Materials” shall mean any materials provided by Curismed to Client in connection
with the Services for distribution by Client to Client’s patients or to any other party. The definition of
“Services” shall include Supplemental Materials. Client acknowledges that Curismed is not a
licensed provider and makes no warranty as to the accuracy, appropriateness, or effectiveness of
the Supplemental Materials. Client acknowledges that the Supplemental Materials have not been
evaluated with regard to any specific health condition or treatment scenarios and have not been
evaluated with regard to any patient’s specific needs. Client acknowledges that the Supplemental
Materials may not be appropriate for all patients of the Client and that Supplemental Materials may
require modification or customization prior to distribution to a Client’s patient. Client agrees that he
or she will review and evaluate any Supplemental Materials with regard to a patient’s specific needs
and health condition prior to distribution. Client agrees to provide education and instruction to
patients regarding the proper methods, techniques, duration and frequency of any activity depicted
in the Supplemental Materials. Client agrees that he or she will not provide any Supplemental
Materials to patients that may be construed as treatment or practice outside the scope of the Client’s
respective license to practice in his or her field. Client releases Curismed from any and all past,
present, or future claims related to Client’s use or distribution of Supplemental Materials.
Indemnification
Client agrees to indemnify and hold Curismed (as well as its parents, subsidiaries, affiliates, officers,
members, shareholders, employees, agents and representatives) harmless from any and all claims,
liability and expenses (including without limitation, reasonable attorneys’ fees) arising out of or
related to Client’s use of the Services, Client’s breach of any provision of this Agreement, or any
claim arising out of content posted or transmitted by any person or entity associated with or
authorized by Client (other than Curismed) through the use of the Services. Curismed reserves the
right, to select counsel of its own choosing for and otherwise to control its own defence, at Client’s
expense, of any matter subject to indemnification by Client, which shall not excuse Client’s indemnity
obligations.
Notices and Statements
Except as otherwise specifically provided in this Agreement, all notices and statements may be sent
by electronic mail, facsimile or delivery to the electronic mail address, fax number or delivery
address most recently provided in writing or via online submission to the other party. For deliveries,
notices and statements will be deemed to be received upon personal delivery. For facsimile and
electronic mail deliveries, notices and statements will be deemed to be upon transmission.
Client EXPRESSLY CONSENTS TO RECEIVE TELEPHONE CALLS, FAXES AND EMAILS FROM
Curismed OR ANY OF Curismed’s EMPLOYEES, AGENTS OR OTHER REPRESENTATIVES IN
ANY WAY ARISING FROM THIS AGREEMENT OR THE SERVICES DESCRIBED IN THIS
AGREEMENT.
Governing Law
This Agreement is entered into in the state of New Jersey. This Agreement and any rights,
remedies, or obligations provided for in this Agreement shall be construed and enforced in
accordance with the laws of the state of New Jersey without regard to the conflicts provisions
thereof. Any and all disputes that in any way arise out of or bear any relationship with this
Agreement shall be litigated only in courts having sites in Jersey City, NJ. The client will pay
Curismed all costs and expenses, including reasonable attorney’s fees, incurred by Curismed in
enforcing any of the terms, conditions and provisions in this Agreement, including any of Curismed’s
rights and remedies set forth in this Agreement.
General Provisions
The parties represent and acknowledge that this Agreement constitutes a single, integrated, written
contract expressing the entire understanding and agreement between and among the parties and
regarding the releases set forth herein, and that all prior agreements, contracts, negotiations,
promises, offers, acceptances, representations, warranties, covenants and understandings in any
way relating to this Agreement set forth herein, with exception to applicable HIPAA agreements are
superseded by the terms and conditions of this Agreement. If any portion, provision, or part of this
Agreement is held, determined, or adjudicated to be invalid, unenforceable or void for any reason
whatsoever, each such portion, provision or part shall be severed from the remaining portions,
provisions or parts of this Agreement and shall not affect the validity or enforceability of any
remaining portions, provisions or parts. No waiver of any breach or failure or delay in exercising any
right, power or remedy of any provision of this Agreement shall constitute a waiver of the same or
any other provision hereof with respect to prior, concurrent or subsequent occurrences. No waiver
shall be effective unless made in writing and signed by an authorized representative of the party
against whom such waiver is sought. Titles and headings are included solely for convenient
reference and are not part of this Agreement. The client may not assign any of its rights or
obligations (in whole or in part) without the prior written consent of Curismed, which shall not be
unreasonably withheld. Subject to the express exclusions and limitations set forth in this Agreement,
all remedies set forth in this Agreement are cumulative and in addition to and not in lieu of any other
remedies of any party at law or in equity. No person or entity is intended to be a third party
beneficiary of any provision of this Agreement. The parties represent and warrant that they have full
authority to execute and deliver this Agreement and to perform their obligations under this
Agreement and that the person whose signature appears below is duly authorized to enter into this
Agreement on behalf of the party whom they represent. Should Curismed transfer the Agreement to
another entity, internal or external, for any reason, the Agreement with the Client shall be valid for a
period of no less than six months from the date of transfer.
Unlawful Use
Client or any of its users shall not upload, transmit or post any material, or engage in any other use
of the Services that violates any law, rule or regulation, defames or libels any other person or entity,
infringes any other person’s or entity’s rights, including, without limitation, any intellectual property or
privacy rights, or otherwise could impose civil or criminal liability. Curismed reserves the right to
notify any governmental entity, law enforcement authority, or any other party that it deems
appropriate in its sole discretion, of any such activity. Uploading, posting or transmitting any content
that infringes any patent, trademark, trade secret, copyright, publicity or proprietary right of any
person or entity will be grounds for immediate termination of the Services or other corrective action.
Defamatory or Abusive Material
Client or any of its users shall not upload defamatory, obscene, profane, vulgar, threatening,
offensive, abusive, inaccurate or illegal material. Client shall not interact with Curismed or anyone
affiliated with Curismed in a defamatory, obscene, profane, vulgar, threatening, offensive, abusive,
inaccurate or illegal way.
Unauthorized Use
Client or any of its users shall not access, or attempt to access, another person’s or entity’s accounts
without proper authorization to do so or attempt to disrupt or interfere with the Services in any
manner.
Use and Data Storage
Curismed may establish and change from time to time general practices and limits on the use of the
Services, the amount of central processing unit (CPU) processing, bandwidth and disk usage, and
levels of activity. Curismed will use commercially reasonable efforts to provide all Clients with
optimal levels of service.
Authorized Representative
Client agrees that Curismed may act as, or similar to, an "Authorized Representative" and sign
agreements on behalf of the Client for the purposes of working with vendors as it pertains to the use
of Curismed.
Other Activities
Client or any of its users shall not engage in any other activity that Curismed determines in its sole
discretion may be harmful to other Users or the Services. Curismed does not in the ordinary course
pre-screen or monitor the content of the database or any other communications. However,
Curismed reserves the right, but does not assume any obligation, to determine in its sole discretion
what is and is not acceptable content in connection with the Services, to limit placement of any
content in a database or on any other area provided in connection with the Services, to use
commercially reasonable efforts to remove, alter or block access to any offensive, objectionable, or
unacceptable content immediately and without prior notice, to determine in its sole discretion what is
and is not an appropriate conduct and use of any of the Services, and to cease providing or bar
access to any or all of the Services to any user at any time, for any reason or for no reason, without
prior notice. Curismed reserves the right, but does not assume any obligation, to monitor and
investigate complaints regarding any of the foregoing, and Client agrees to grant Curismed access
to Client’s account at any time without notice and to cooperate fully with Curismed in providing
access and information as may be requested at any time. Client agrees that any reservation of
rights by Curismed imposes no obligation of any kind on Curismed to take any actions.
Conduct of Users and Clients
The Services may be used only by Client, its authorized users and its authorized agents, including
affiliates, joint venture partners, licensees and subsidiaries. The client is solely responsible for
maintaining the security of its ID’s. Any use of Client’s ID’s shall be deemed as authorized by Client
unless Client provides advance written notice to Curismed that its user ID’s have been
compromised. Client and its authorized users of the services may use the Services only as long as
Client and Client are authorized to comply with the terms in the Agreement.
Payments
Client agrees to pay Curismed all of the fees and charges for services levied on Client’s account on
a monthly basis. All monthly charges and fees must be paid by Check or bank account via auto
payment unless explicitly agreed upon otherwise in a written agreement. To prevent the renewal of
this Agreement, written notification must be provided by a Party 30 days prior to renewal. All
payments will be made in U.S. Dollars and all payments are non-refundable. The client will pay
Curismed all costs and expenses, including reasonable attorney’s fees, incurred by Curismed in
enforcing any of the terms, conditions and provisions in this Agreement, including any of Curismed’s
rights and remedies set forth in this Agreement.
Client understands that payable to the name "Amromed, LLC"
Curismed’s Limited Warranty
Curismed represents and warrants to Client that the Services will be performed in a manner
consistent with industry standards and in compliance with any specifications and requirements set
forth in this Agreement. Client shall notify Curismed in writing within thirty calendar days after
performance of any Services if such Services do not conform to the foregoing warranties. If the
Client fails to provide timely written notice to Curismed, the Services will be deemed to be in
compliance with the foregoing warranties. Client’s exclusive remedy for breach of the foregoing
warranties shall be for Curismed, at its option, to re-perform the Services at no cost to Client, or, in
the event of interruption of the Services, issue Client a credit in an amount equal to the service
charge for the interrupted period. The foregoing warranties shall not apply to performance issues or
defects in the Services that resulted from factors outside of Curismed’s reasonable control; that
resulted from any actions or inactions of Client or its authorized users, or that resulted from Client’s
equipment or any third parties’ equipment not within the control of Curismed. Not with standing
anything to the contrary herein, Curismed makes no warranties or representations regarding the
Supplemental Materials and Client agrees that it assumes all liability and risk regarding use,
distribution or modification of the Supplemental Materials.
Client Representations and Warranties
Client hereby represents and warrants that all medical records shall be signed and all documentation
shall be accurate and complete prior to submission of a billing claim or code to Curismed.
Client hereby represents and warrants that it shall maintain accurate and complete records to
support any and all claims submitted by Curismed to support medical necessity and shall provide
timely access to Curismed to respond to payor requests.
Client represents and warrants that it shall submit to Curismed in a timely manner accurate codes
and data sets required for a Transaction and Code Set to be submitted to a payor in accordance with
applicable laws that are supported by the complete medical record supporting such claim.
Client acknowledges and warrants that it is solely responsible for any expenses and findings of any
governmental audits or payor audits, including any penalties, recoupments or refunds due to the
payors.
Client represents and warrants that it is solely responsible for any and all codes, modifiers and
transaction and code sets submitted to Curismed for the purpose of delivering the Services. The
client is solely responsible for confirming the accuracy of all codes, modifiers and transaction and
code sets prior to submission to Curismed.
Client represents and warrants that it has the actual authority in writing to represent and bind Client
and its healthcare providers, including employees and contractors, to perform the obligations of this
Agreement and assign the claims to Curismed to perform the Services.
Term and Termination
This Agreement shall be valid as of the Effective Date and as long as the Client has an active
Curismed account. Any failure by Client to pay fees and charges as specified the Service
Agreement, or other failures to meet the terms stated in this contract will constitute termination.
Curismed may, without prior notice, suspend or terminate Client’s or any other user’s password,
account or use of any of the Services, and/or remove and discard, alter or prevent access to any
content within the Services, if Curismed in its sole discretion determines or discovers that Client
violated any material provision of this Agreement. Upon suspension or termination of this
Agreement, Client must pay all fees to the date of termination as provided herein. The client will
receive a digital copy of compliance related account data, after which date Curismed may destroy
such content. In the event, such content is destroyed, and upon request by Client, Curismed shall
provide written notice of certification of such destruction. Following termination, the provisions of the
following sections shall survive: Term and Termination, Conduct of Users, Curismed’s Limited
Warranty, Confidentiality, Security, Proprietary Rights, Third Party Relationships, Disclaimers and
Limitations, Ownership of Data, Governing Law, And General Provisions.
Trademarks and Copyright
Except as otherwise indicated, information on this web site is protected by copyright in the United
States of America and in other countries. Any authorized person may view the information (and
incidentally create an electronic copy of the information) available from this web site for informational
purposes only. No part of the information at this Web site can be otherwise redistributed, copied, or
reproduced in any form without prior written consent of the owner.
The posting of information or other materials to this web site does not constitute a waiver of any
proprietary right in such information and materials (such as, but not limited to, copyright, service
marks, trademarks, trade names, or other intellectual property) and does not transfer any rights to a
user of the web site or any other third party, except as expressly provided herein.
Updates to the Terms of Use
When a modification is made to this Agreement, Curismed will post a revised version of the terms of
this Agreement on this website. Changes will be effective immediately upon posting. While
Curismed may provide notice to Client of changes to the Agreement under certain circumstances,
Curismed is not required to provide Client with notification that any such change has been made.
Any notification of changes to the Agreement made by Curismed shall not obligate Curismed to
notify Client of any future changes. It is the Client’s responsibility to review this Agreement from time
to time to be aware of any such change. Client’s continued use of the Services will indicate the
Client’s agreement to any such change. Curismed reserves the right to add to, remove, change or
terminate access to any of the content or functions of the Services without giving specific notice to
Client. If the Client does not agree to these terms and conditions of this Agreement, Client may not
use the Services. Access to the Services is restricted to those persons who have a valid user ID
and password, explicit rights to access the Services, and who have accepted the terms and
conditions of this Agreement.