What types of terms and conditions, agreements, privacy policies do users abide by?

There are 3 types of Terms and Conditions.

1. Terms of use: All users agree to this as part of the creation of their account

2. Debenture Terms and Conditions: All Debenture holders agree to this when applying for a Debenture

3. Affiliate Agreement: All Affiliates agree to this when upgrading to an Affiliate

There is also a Privacy Policy that protect all users and the company.

In the Back Office below Settings on the Navigation you can view the different Terms and Conditions you agreed to, and the date agreed to.