Terms of service rules that apply only to BetterCheck and Advanced BetterCheck

BetterCheck is not a funds guarantee service and cannot be referred to as such.
Users are specifically prohibited from using the results from BetterCheck as the
sole reason to approve or decline a customer's check.  All results from BetterCheck
are intended to be used as ONE PART of your overall loss prevention and check
approval procedure.  Under no circumstances can written or verbal communication
to the check writer be made that identifies BetterCheck as a reason for
approval or decline.

In addition to compliance with Fair Credit Reporting Act (FCRA) requirements merchant shall
use the verifications services only in connection with payments presented to merchant
by its customers in exchange for goods or services.

FCRA list of permissible uses for data provided via the BetterCheck Network in accordance
with section 604(a) of the FCRA are as follows:

- In response to a court order or Federal Grand Jury
- In accordance with the written instruction of the consumer to whom the information relates
- In connection with a credit transaction involving the consumer on whom the information is
  to be furnished and involving the extension of credit to, or review or collection of an account
  of , the consumer
- For employment purposes
- In connection of the underwriting of insurance involving the consumer
- To determine the consumer's eligibility for a license or other benefit granted by a governmental
  instrumentality required by law to consider an applicant's financial responsibility or status
- As a potential investor or servicer, or current insurer, in connection with the valuation of, or an
  assessment of the credit or prepayment risks associated with, an existing credit obligation
- Otherwise having a legitimate business need for the information, including:
     - In connection with a business transaction that is initiated by the consumer
     - To review an account to determine whether the consumer continues to meet the terms of
        the account

REPRESENTATIONS BY MERCHANT - Each request for data through the BetterCheck Network
shall constitute a representation, warranty and certification by the merchant that the data (a) shall be
used and disclosed only in accordance with the rules or laws; and (b) shall be used solely for the
intended use as provided in the terms of service.  Yourfavorite.com reserves the right to to immediately
terminate merchant access to the BetterCheck Network should yourfavorite.com learn that the merchant
is using the services for a purpose other than a permissible use as provided for in the TOS. The
merchant acknowledges it has implemented security measures to prohibit the unauthorized access to
the information provided.

AVS - Address Verification Service is required to be met with a Y, or X for all BetterCheck transaction
via credit card.  If you AVS is not met, users can contact the Visa AVS line to verify the address before
resubmitting their details at 800-847-2750. MasterCard users must speak to a representative with the
issuing bank at 800-622-7747. For AMEX call 800-528-2121and ask to update your address verification
settings.

SCREENING - Prior to setup and order acceptance for a new order or upgrade, the business may be
screened against the following databases, credit bureaus, or lists including but not limited to
Dun and Bradstreet, the Terrorist Watch List, the Money Laundering List, and the Terminated Merchant
File (TMF).