1. Refund Policy: : If JBN terminates user(s) membership, user(s) will not have the right to re-enroll or join JBN under a new account or name unless formally invited to do so by JBN. In any case of termination, no membership charges will be refunded. User(s) acknowledge that inability to use the web site entirely or partially for whatever reason may have adverse effect on its business. User(s) hereby agree that in no event shall the web site be liable to the user(s) or any third parties for any inability to use the web site (whether due to disruption, limited access, changes to or termination of any features on the web site or otherwise), any delays, errors or omissions with respect to any communication or transmission, or any damage (direct, indirect, consequential or otherwise) arising from the use of or inability to use the web site or any of its features.