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    Some of these products and services may require your use of a Qpid Network Account the "Account"and this Agreement contains terms which are applicable to the use of such products and services.

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    By using our services our "Services" or by completing the registration process to obtain and use a Qpid Network Account, you agree to be bound by this Agreement for as long as you continue to be a member. If you do not agree to this Agreement, please do not register with our Website or otherwise access or use our Websites. We reserve the right at any time to alter or amend the terms of this Agreement, modify our Webites contents or features, or change any fees or charges for using our Websites and our Services.

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    Whilst we have taken and will take every practical control to minimize the such risks, we wish to highlight some scenarios of higher likelihood, which you must be aware of and undertake to risk the same.

    For details of the risks associated with our Services and the possible counter measures, please read our Risk Disclosure Statements and Client Protection Policy. No action arising under or related to the Agreement may be brought by either party more than one year after the cause of action has occurred. This Agreement is governed and to be interpreted exclusively by the laws of the Hong Kong Special Administrative Region. As such, we provide this Privacy Policy explaining our online information practices and the choices you can make about the way your personal data is collected, processed, maintained and disposed by RussianGirlsOnline.

    The following describes our privacy practices that are specific to RussianGirlsOnline. We reserve the right to update it at any time, and all changes are effective upon posting without notice to you. You are encouraged to revisit this page from time to time. PII consists of any information which can be used to specifically identify you as an individual, whereas non-PII consists of aggregate information or any information that does not reveal your identity.

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    Members who refuse cookies assume all responsibility for any resulting loss of functionality of our Websites. For example, we may log your IP address for system administration purposes.

    This gives us an idea of which parts of our Websites our members are visiting.

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    We do not share the log files externally. We may also use web beacons in email communications sent to you in order to understand the behavior of our members.

    We use mobile analytics software to allow us to better understand the functionality of our mobile software on your phone. This software may record information such as how often you use our applications, the events that occur within the applications, aggregated usage, performance data, and where the application was downloaded from. We do not link the information we store within the analytics software to any of your submitted PII within the mobile application.

    When you register or subscribe to any of our Services, we collect a wide variety of information about you. Your profile information, including non-PII about yourself such as first name, nationality, profession, height, weight, etc. Finally, for interactive content, including but not limited to CharmLive, where you may choose to have a public profile, we may display your information to other members and visitors.

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    Such information is used primarily to process your order or as otherwise described herein. You are require to produce an e-mail address when you register for our Services.

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    If you would rather not receive emails, tickets or telephone calls from us, you may change or delete your number by contacting us for it to be removed from our contact list. We collect your geolocation information only with your consent. We collect demographic data from our members and visitors. We use this data to tailor your user experience at our Websites, showing you content that we think you might be interested in, and displaying the content according to your preferences. Some of this information may be shared with advertisers on a non-personally identifiable basis.

    We may periodically conduct voluntary member surveys. We encourage you to participate in such surveys to help us improve our Services. All responses are anonymous and do not involve any of your PII. We do not ask you for, access or track any location-based information from your mobile device at any time while downloading or using our mobile apps or our Services. We send you push notifications if you choose to receive them for notifying you of our matching services, letting you know when someone has sent you a message, or for other related matters.

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    Photos and other profile information posted by you will be available to other members matched with you. We never share your contact information with your matches without your consent. Disclosure to Protect Abuse Victims. Notwithstanding any other provision of this Privacy Policy or our Terms of Use we reserve the right, but have no obligation, to disclose any information that you submit to the services, if in our sole opinion, we suspect or have reason to suspect, that the information involves a party who may be the victim of abuse in any form.

    Abuse may include, without limitation, bullying, elder abuse, child abuse, spousal abuse, neglect, or domestic violence. Information may be disclosed to authorities that we, in our sole discretion, deem appropriate to handle such disclosure.

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    Appropriate authorities may include, without limitation, law enforcement agencies, child protection agencies, or court officials. You hereby acknowledge and agree that we are permitted to make such disclosure. We may share your non-PII with our third parties, but not in a manner that would reveal your personal identity. We may share your PII, sometimes in conjunction with your non-PII, with service providers that may be associated with us to perform functions on our behalf.

    For example, outsourced translation agents or IT technology contractors may need access to your information to perform services for you.

    Your information will be treated as private and confidential by such service providers and will not used for any purpose other than those identified in the Terms of Use and this Privacy Policy. As we develop our business, we may buy or sell assets and, depending on the transaction, your PII may be one of the transferred assets. In the event that we are acquired by another company, your PII may be part of the assets transferred to the acquiring party.

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    If this occurs, you will be notified if there are any material changes to the way your PII is collected or used. Third-Party Advertising We may use third-party advertising agencies or other service providers to serve ads on our website on behalf of RussianGirlsOnline. These companies may employ cookies and web beacons to measure advertising effectiveness.

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    Any information that these third parties collect via cookies and web beacons is completely anonymous. Age Restrictions Our age restrictions are set forth in each applicable Terms of Use.
    We may receive compensation when you click on links to those products or services. Based on this research, here are my picks for the best small business credit cards.

    My business credit card easily separates personal expenses and business expenses. I use Quickbooks to track my revenue and expenses. It automatically imports all the charges from my business credit card, so these expenses are exceptionally easy to track. This makes preparing annual tax returns much easier. Using a business credit card also helps my business build credit in case I should ever need to apply for a loan. This is partially true. Business cards are generally exempt from the Credit Card Act of However, most major credit card issuers offer protections to business credit cards as well as personal cards.

    Just check the terms and conditions to find out. All purchases earn a 1. Employee cards can be acquired at no additional cost! There is no annual fee to own the New! There are two reasons this card earned our top pick: Just a few clicks of the mouse and you can pay for any charge with miles. You can get more details and learn how to apply online here. Here are the categories: We Know Our Stuff The editorial team here at Dough Roller has more than 30 years of combined experience with credit cards.

    Seriously though, I examined 26 business credit cards in my research for this article. We regularly talk to credit card issuers about their products and future products. And we keep abreast of the latest studies and research.

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    Did you know that a study out of Dartmouth found that small businesses with credit cards grow more rapidly than those without? This card offers fraud alerts, purchase records that can be downloaded to Quicken, Quickbooks, or Excel, and convenient year-end summaries.

    This is an excellent cash-back option for business owners who just want to carry one card. Use it for everything, and reap rewards year-round.

    This is one of the few cards on our list with no foreign transaction fee, as well. Learn how to apply here. Simply put, it offers incredible rewards, including a welcome offer and ongoing rewards. You pay a hefty fee for this card, but if your business spending enables you to maximize the rewards, the card is well worth the price.

    You can get up to 1 million additional points per year. Earn 1 Starpoint for every dollar spent on every other transaction. The Starwood rewards program is one of the best around. The annual fee is an obstacle, but if your business is in need of frequent hotel stays, then the rewards earned will outweigh the fee in a big way. Cash back earned is automatically credited to your statement Welcome offer: Cash back received is automatically credited to your statement.

    This card has no annual fee. You can redeem your earned cash back points for merchandise, dining, travel, gift cards or statement credit. What might be a great card for my business, might not be the best for yours.
    We may receive compensation when you click on links to those products or services.

    What sets the card apart, however, is that there is no balance transfer fee for balance transfers within the first 60 days of account opening. The card also has no annual fee, so this is as close to free money as you can get.

    The big attraction to this card is the balance transfer fee. If you initiate the balance transfer within the first 60 days of opening the account, there is no fee. How Much Can You Save? The no fee balance transfer offers a significant potential saving. The actual amount will depend on your monthly payments and any additional charges to the card. Rates and Terms As with most credit cards today, Chase uses a tiered pricing structure with this card. Other Card Perks There are two other perks of this card worth mentioning.

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    Split The Split feature of Blueprint allows you to set up payment plans for larger purchases. SPLIT is a feature that lets you build a custom plan to pay off a large purchase. Simply decide how much you want to pay each month or how fast you want to pay it off. We do the math and set up the plan for you. The plan and your payment progress will appear clearly and separately on your statement. Split allows you to set up a payment plan based on a set monthly payment or based on the number of months to pay off the balance in full.

    And Chase has tools that will calculate this information for you online. This is the only balance transfer credit card that offers this service. With Finish It, Chase Blueprint will help you devise a plan to pay off the entire balance on the credit card.

    Track It All credit card purchases are automatically categorized. These categories include automotive, dining, drugstores, grocery stores, and so on.

    Chase puts this feature to good work with Track It. All of your purchases are separate into their respective categories that you can track online. Track It also lets you set a budget for each category.

    These budget amounts can be changed anytime, and are designed to help you better manage your money.

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