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Terms and Conditions

Effective Date: January 01 2020   

Welcome to the websites for the World of Money and the World of Money Online and the World of Money mobile application (each and collectively, the “Site”) operated by Cash Camp, Inc. (“Cash Camp”) a New York Corporation exempt from federal income tax under section 501(c)(3) of the Internal Revenue Code (“we” or “our” or “us”).

Cash Camp owns and operates the World of Money Platform, a content management and collaboration platform consisting of web sites, services, software applications and networks that allows for the authorized download and distribution of written digital content, teaching supplements, and other educational content over the Internet.

Please read these Terms & Conditions carefully before using this Site.  BY REGISTERING FOR, ACCESSING, BROWSING, DOWNLOADING FROM OR USING THE SITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THE FOLLOWING TERMS AND CONDITIONS, INCLUDING ANY ADDITIONAL GUIDELINES AND FUTURE MODIFICATIONS (COLLECTIVELY, THE “TERMS & CONDITIONS”). IF AT ANY TIME YOU DO NOT AGREE TO THESE TERMS, PLEASE IMMEDIATELY TERMINATE YOUR USE OF THE SITE.

When using the Site, you will be subject to any additional posted guidelines or rules applicable to specific services and features which may be posted from time to time (the “Guidelines”). All such Guidelines are hereby incorporated by reference into these Terms & Conditions.

1. Authority

Our Site is a platform for educators and students, K- 12 students attempting to access content from the Site without the express or implied consent of a teacher/instructor or a parent/guardian are in direct violation of the Terms & Conditions. Legal adults (over the age of 18) may use the Site without teacher and parent consent. The content on the Site is only available for you to use for educational, non-commercial purposes; any other use is prohibited. Accordingly, you agree that you are at least 18 years of age or older or possess legal teacher/instructor or parental/guardian consent, and are fully able and competent to enter into the terms, conditions, representations and warranties set forth in the Terms & Conditions; otherwise, please exit the Site.

2. Privacy

We take the protection of your personal information seriously, which is why the Site has adopted the following privacy policy, which can be found by clicking here https://worldofmoney.org/terms-of-service/. Our Privacy Policy is hereby incorporated into these Terms & Conditions by reference. Please read our Privacy Policy carefully for information relating to our collection, use, and disclosure of your personal information. 

3. Changes to These Terms & Conditions or The Site

We may change or modify these Terms & Conditions and the Guidelines from time-to-time without notice other than posting the amended Terms & Conditions and Guidelines on the Site. The amended Terms & Conditions will automatically be effective when posted on our Site. Your continued use of our Site after any changes in these Terms & Conditions and Guidelines shall constitute your consent to such changes. Cash Camp reserves the right to change, modify or discontinue, temporarily or permanently, the Site (or any portion thereof), including any and all content contained on the Site, at any time without notice. You agree that Cash Camp shall not be liable to you or to any third party for any modification, suspension or discontinuance of the Site (or any portion thereof).

4. Registration and Security

If you wish to use certain services on the Site, you must create an account with us and provide the required information to us. By entering any information on the Site, you represent and warrant that: (i) you are at least 18 years of age; (ii) you are using your actual identity; (iii) you have provided only true, accurate, current and complete information; and (iv) you will maintain and promptly update the information that you provide to keep it true, accurate, current and complete. Additionally, you agree to maintain the strict confidentiality of your account and any passwords issued to you for your use of or access to the Site or any portion thereof, and you agree not to allow any other person or entity to use any username(s) or password(s) that are issued to you. You shall be responsible for all activity that occurs under your account or password. We cannot and will not be liable for any loss or damage arising from your failure to comply with these obligations. All information provided to us will be used in accordance with our Privacy Policy.

If you wish to cancel a username or password, or if you become aware of any loss, theft or unauthorized use of a username or password, please notify us immediately. We reserve the right to delete or change any username or password at any time and for any reason.

5. Credit Card

If you wish to make a donation through the Site, you may be asked to supply certain information relevant to your transaction, including without limitation your credit card number, the expiration date of your credit card, and your billing address. YOU REPRESENT AND WARRANT THAT YOU HAVE THE LEGAL RIGHT TO USE ANY CREDIT CARD(S) UTILIZED IN CONNECTION WITH ANY TRANSACTION. By submitting such information, you grant us or the third party collecting that information on our behalf the right to provide such information to third parties for purposes of facilitating the completion of transactions initiated by you or on your behalf. Verification of information may be required prior to the acknowledgment or completion of any transaction.

6. User Conduct

By using the Site you agree not to:

  • Post, upload, or distribute any content that is unlawful, defamatory, libelous, inaccurate, or that a reasonable person could deem to be objectionable, profane, indecent, pornographic, harassing, threatening, embarrassing, hateful, or otherwise inappropriate as determined by us;
  • Interfere with the operation of the Site or any user’s enjoyment of the Site, including without limitation by (i) uploading or otherwise disseminating viruses, adware, spyware, worms, or other malicious code; (ii) making unsolicited offers or advertisements to other users of the Site; (iii) attempting to collect personal information about users or third parties without their consent; or (iv) interfering with or disrupting any networks, equipment, or servers connected to or used to provide the Website, or violating the regulations, policies, or procedures of such networks, equipment, or servers;
  • Perform any fraudulent activity including impersonating any person or entity, claiming false affiliations, or accessing the accounts of others without permission;
  • Use the Site if you are a minor and do not have the express or implied consent of a teacher/instructor or a parent/guardian;
  • Attempt to do any of the foregoing in this Section, or assist or permit any persons in engaging or attempting to engage in any of the activities described in this Section.

Violation of any of the above may, at any time without prior notice, result in a warning, temporary limit, suspension or immediate termination of your account or your access to the Site, reporting of your conduct to authorities, or legal action, as may be appropriate in the sole discretion of Cash Camp. You acknowledge that Cash Camp is not responsible for and does not assume any liability for users’ acts or omissions, including, without limitation, with respect to the aforementioned activities.

7. Termination

You agree that Cash Camp, in its sole discretion, for any or no reason, and without penalty, may terminate any account (or any part thereof) you may have with Cash Camp or your use of the Site and remove and discard all or any part of your account, user profile, and any User Content (as defined below), at any time. Cash Camp may also in its sole discretion and at any time discontinue providing access to the Site, or any part thereof, with or without notice. You agree that any termination of your access to the Site or any account you may have or portion thereof may be effected without prior notice, and you agree that Cash Camp will not be liable to you or any third party for any such termination.

8. Intellectual Property

You acknowledge that all materials at the Site, including the Site's design, graphics, text, sounds, pictures, software and other files and the selection and arrangement thereof (collectively, “Materials”), are the property of Cash Camp and/or its licensors, and are subject to and protected by United States and international copyright and other intellectual property laws and rights. All rights to Materials not expressly granted in these Terms & Conditions are reserved to their respective copyright owners. Cash Camp authorizes you to view and download the Materials only for personal, non-commercial use, provided that you keep intact all copyright and other proprietary notices contained in the original Materials. Except as expressly authorized by these Terms & Conditions, you may not copy, reproduce, distribute, republish, download, perform, display, post, transmit, exploit, create derivative works or otherwise use any of the Materials in any form or by any means, without the prior written authorization of Cash Camp or the respective copyright owner. In an absence of a written agreement, you may not modify or adapt the Materials in any way or otherwise use them for any public or commercial purposes. The trademarks, service marks, trade names, trade dress and logos (collectively, “Marks”) contained or described at the Site are the sole property of Cash Camp and/or its licensors and may not be copied, altered or otherwise used, in whole or in part, without the prior written authorization of Cash Camp and/or its licensors. In addition, all page headers, custom graphics, button icons and scripts are the property of Cash Camp and may not be copied, imitated or otherwise used, in whole or in part, without the prior written authorization of Cash Camp. Cash Camp reserves the right to enforce its intellectual property rights to the fullest extent of the law.

Certain content, information or software you access through the Site may contain confidential information of Cash Camp. You agree to keep Cash Camp information confidential by exercising the necessary care required to prevent its disclosure. Notwithstanding the above, you will not disclose, divulge, distribute, publish, transmit or transfer Cash Camp information to any third party or use Cash Camp information for any purpose whatsoever other than as expressly authorized by these Terms & Conditions. Your obligations with respect to Cash Camp confidential information, whether or not deemed trade secret under applicable law, remain in effect until such time as the particular information becomes publicly known through no action by you.

9. User Content

Cash Camp collaborates with users on the creation and development of lesson plans and other educational materials by users selected by Cash Camp (such users, the “Master Teachers,” and such lesson plans and other educational materials made available on the Site, the “User Content”). As between you and any other user (including a Master Teacher), on the one hand and Cash Camp on the other, Cash Camp is the sole owner of all rights in and to the User Content. By uploading and publishing your User Content, you affirm, represent, and warrant that you are the creator of or have the necessary licenses, rights, consents, releases and permissions to use and to grant such rights to Cash Camp for licensing to our users to use your User Content as necessary to exercise the licenses granted by us in this Terms & Conditions and that the User Content is free of any digital rights management protections or functionality, including any software designed to limit the number of times User Content may be copied or played. If you contribute User Content to the Site as a Master Teacher, you hereby irrevocably grant to Cash Camp a royalty-free, irrevocable, transferable, sub-licensable right and license to use the User Content however Cash Camp desires, including, without limitation, the right to reproduce, create derivative works from, distribute copies of, perform, publicly display and otherwise use and exploit such User Content and/or incorporate such User Content into any form, medium or technology throughout the world. Company is and shall be under no obligation (1) to maintain any User Content in confidence; or (2) to pay to you any compensation for any User Content.

License Grant to User Content. Subject to your compliance with the terms and conditions set out in these Terms & Conditions, Cash Camp hereby makes the User Content available to you under a non-exclusive, limited, personal, non-transferable, non-sub-licensable license for the limited purpose of printing and using the User Content in connection with the lesson activities provided by the Site. Except as permitted under the preceding license, you may not make any copies, distribute or make any derivate works from the User Content without the prior written consent of Cash Camp.

License Grant to Download User Content. Subject to your compliance with the terms and conditions set out in these Terms & Conditions, you may download User Content from the Site, subject to the following license: a non-exclusive, limited, personal, non-transferable, non-sub-licensable license for the limited purpose of printing and using a single copy of the User Content in connection with your teaching activities. Except as permitted under the preceding license, you may not make any copies, distribute or make any derivate works from the User Content without the prior written consent of Cash Camp.

Disagreements with other users. Your use of the Site may bring you into contact with other users, and their User Content, such as through networked video, chat, and other user communication features of the Site. You are solely responsible for your involvement with other users. If you have a dispute with one or more users, you release Cash Camp (and Cash Camp’s officers, directors, agents, subsidiaries, joint ventures and employees) from claims, demands and damages (including, but not limited to, actual, special, consequential and punitive) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.

10. Indemnification; Disclaimer; Limitation of Liability

Notwithstanding anything to the contrary in the terms of the license under which you shared the User Content with Cash Camp, you agree to indemnify, defend and hold Cash Camp, its affiliated companies, contractors, employees, agents and its third-party suppliers, licensors, and partners harmless from any claims, losses, damages, liabilities, including legal fees and expenses, arising out of your use or misuse of the Site, any violation by you of these Terms & Conditions, any breach of the representations, warranties, and covenants made by you herein or any third party claim alleging that your User Content infringes such third party’s intellectual property rights. Cash Camp reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify Cash Camp, and you agree to cooperate with Cash Camp’s defense of these claims. Cash Camp will use reasonable efforts to notify you of any such claim, action, or proceeding upon becoming aware of it.
YOU EXPRESSLY AGREE THAT THE USE OF THE SITE IS AT YOUR SOLE RISK. THE SITE AND ANY DATA, INFORMATION, THIRD-PARTY SOFTWARE, CONTENT (INCLUDING COMMERCIAL CONTENT), REFERENCE SITES, SERVICES, OR APPLICATIONS MADE AVAILABLE IN CONJUNCTION WITH OR THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE”, “WITH ALL FAULTS” BASIS, AND WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND EITHER EXPRESS OR IMPLIED. CASH CAMP DOES NOT WARRANT THAT THE DATA, CONTENT, FUNCTIONS, OR ANY OTHER INFORMATION OFFERED ON OR THROUGH THE SITE OR ANY REFERENCE SITES WILL BE UNINTERRUPTED, OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS AND DOES NOT WARRANT THAT ANY OF THE FOREGOING WILL BE CORRECTED.
TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, CASH CAMP, AND ITS AFFILIATES, PARTNERS, AND SUPPLIERS DISCLAIM ALL WARRANTIES, STATUTORY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS.

YOU UNDERSTAND AND AGREE THAT YOU USE, ACCESS, DOWNLOAD, OR OTHERWISE OBTAIN INFORMATION, MATERIALS, OR DATA THROUGH THE SITE OR ANY REFERENCE SITES AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM OR MOBILE DEVICE) OR LOSS OF DATA THAT RESULTS.
UNDER NO CIRCUMSTANCES WILL CASH CAMP OR ITS AFFILIATES, CONTRACTORS, EMPLOYEES, AGENTS, OR THIRD-PARTY PARTNERS, LICENSORS, OR SUPPLIERS BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, RELIANCE, OR EXEMPLARY DAMAGES (INCLUDING WITHOUT LIMITATION DAMAGES ARISING FROM ANY UNSUCCESSFUL COURT ACTION OR LEGAL DISPUTE, LOST BUSINESS, LOST REVENUES OR LOSS OF ANTICIPATED PROFITS OR ANY OTHER PECUNIARY OR NON-PECUNIARY LOSS OR DAMAGE OF ANY NATURE WHATSOEVER) ARISING OUT OF OR RELATING TO THESE TERMS & CONDITIONS OR THAT RESULT FROM YOUR USE OR YOUR INABILITY TO USE THE MATERIALS (INCLUDING USER CONTENT AND COMMERCIAL CONTENT) OR THE SITE OR ANY REFERENCE SITES, OR ANY OTHER INTERACTIONS WITH SITE, EVEN IF THE SITE OR A SITE AUTHORIZED REPRESENTATIVE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT WILL CASH CAMP OR ITS AFFILIATES, CONTRACTORS, EMPLOYEES, AGENTS, OR THIRD-PARTY PARTNERS, LICENSORS, OR SUPPLIERS TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION ARISING OUT OF OR RELATING TO THESE TERMS, YOUR USE OF THE SITE OR YOUR INTERACTION WITH OTHER SITE USERS (WHETHER IN CONTRACT, TORT INCLUDING NEGLIGENCE, WARRANTY, OR OTHERWISE), EXCEED THE LESSER OF (i) THE AMOUNT PAID BY YOU, IF ANY, OR (ii) $250 FOR ACCESSING THE SITE DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE DATE OF THE CLAIM OR ONE HUNDRED DOLLARS, WHICHEVER IS GREATER.
CERTAIN JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF YOU RESIDE IS SUCH A JURISDICTION, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS. THE LIMITATIONS OR EXCLUSIONS OF WARRANTIES, REMEDIES OR LIABILITY CONTAINED IN THIS TERMS OF USE APPLY TO YOU TO THE FULLEST EXTENT SUCH LIMITATIONS OR EXCLUSIONS ARE PERMITTED UNDER THE LAWS OF THE JURISDICTION WHERE YOU ARE LOCATED.

11. Notification of Copyright Infringement Under the Digital Millennium Copyright Act (DMCA)

We respect the intellectual property rights of others, and require that the people who use the Site do the same. We may terminate the use privileges of users who are repeat infringers of intellectual property rights.  Accordingly, you may not store any material or content on, or disseminate any material or content over, the Site in any manner that constitutes an infringement of third party intellectual property rights, including rights granted by U.S. copyright law.  If you believe in good faith that your work has been copied in a way that constitutes copyright infringement, please forward the following information to the Copyright Agent named below:

  1. Your address, telephone number, and email address;
  2. A description of the copyrighted work that you claim has been infringed;
  3. A description of the allegedly infringing material and information reasonable sufficient to permit us to locate the material;
  4. A statement by you that you have a good faith belief that the disputed use is not authorized by you, the copyright owner, its agent, or the law;
  5. An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest; and
  6. A statement by you, made under penalty of perjury, that the above information in your Notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

Please note that under Section 512(f) of the DMCA, any person who knowingly materially misrepresents that material or activity is infringing may be subject to liability.

Counter-Notification

If you elect to send us a counter notice, to be effective it must be a written communication that includes the following (please consult your legal counsel or see 17 U.S.C. Section 512(g) (3) to confirm these requirements):

  1. A physical or electronic signature of the subscriber.
  2. Identification of the material that has been removed or to which access has been
    disabled and the location at which the material appeared before it was removed or access to it was disabled.
  3. A statement under penalty of perjury that the subscriber has a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material to be removed or disabled.
  4. The subscriber’s name, address, and telephone number, and a statement that the subscriber consents to the jurisdiction of Federal District Court for the judicial district in which the address is located, or if the subscriber’s address is outside of the United States, for any judicial district in which Cash Camp may be found, and that the subscriber will accept service of process from the person who provided notification under subsection (c)(1)(C) or an agent of such person.

Please note that under Section 512(f) of the DMCA, any person who knowingly materially misrepresents that material or activity was removed or disabled by mistake or misidentification may be subject to liability.

Copyright Agent

Attention: Copyright Agent, Cash Camp, Inc., 1441 Broadway, 5th Floor, PMB 5084, New York, New York 10018 or by email at [email protected]

12. External Links

We may provide links to other websites from time to time that are operated by third parties not affiliated with Cash Camp. These links are provided for your convenience. We do not endorse or take responsibility for the content of those websites, are not responsible for the availability of them, and will not be liable in any way for any loss or damage which you may suffer by using those websites.  Different terms and conditions and privacy policies may apply to your use of any linked sites. If you decide to access linked websites, you do so at your own risk

These Terms & Conditions, together with the World of Money Privacy Policy, constitutes the entire agreement between you and Cash Camp regarding your use of the Site. The failure of Cash Camp to exercise or enforce any right or provision of these Terms & Conditions will not constitute a waiver of such right or provision. If any provision of these Terms & Conditions or any Guidelines is held to be unlawful, void, or for any reason unenforceable, then that provision will be limited or eliminated from these Terms & Conditions to the minimum extent necessary and will not affect the validity and enforceability of any remaining provisions. 

These Terms & Conditions are governed by and will be construed in accordance with the laws of the United States and the State of New York. Any disputes arising under or in connection with these Terms & Conditions, or your access or use of the Site shall be subject to the exclusive jurisdiction of the State and federal courts located in New York.

13. Contact Us

Questions regarding these terms should be addressed to: [email protected]

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