1.1 YOU MUST READ THESE TERMS AND CONDITIONS OF USE BEFORE USING THIS SITE. If you use the NALOTEL web site, www.nalotel.com, (the "Site"), you are agreeing to abide by all of the provisions set forth in this Agreement between you and Nalotel LLC.

1.2 NALOTEL. is based in New York, USA. Nalotel makes no claims that the Content (see Section 2.1) is appropriate or that it may be downloaded or used outside of the United States. Access to the Content or Product (see Section 2.3) may not be legal by certain persons or in certain countries. If you access the site from outside the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.

1.3 Nalotel may change, add or remove portions of this Agreement at any time, but if it does so, it will post such changes on the site.

1.4 Nalotel may discontinue, change, or suspend any aspect of the site at any time. Nalotel may change, discontinue, or suspend the availability of any database, Content, feature, or Product of the Site. Nalotel may impose limits on features, including services, use, or restrict your access to parts or all of the Site without notice or liability.

1.5 These Terms and Conditions may be available in multiple languages on various NAloTel.com websites; in the case of a conflict between any other language version and the English language version of these Terms and Conditions, the English language version shall always control.

2.1 The Content and Product contained in the Site are intended for your informational, demonstration, and shopping purposes only. All materials on the Site (including, but not limited to articles, photographs, images, illustrations, audio clips, video clips, graphics, sound, music, text, demonstration programs, downloadable items, software and underlying code, also known as the "Content") are protected by copyright, and owned or controlled by Nalotel or the party credited as the provider of the Content. You must abide by all additional trademark, service mark, patent, copyright notices, information, or restrictions contained in any Content accessed through the site.

2.2 Nalotel does not warrant that Content contained in this Site will satisfy your requirements or that they are error or defect-free. Before using you should consult an Information Technology Professional to determine what your needs are. You assume responsibility for any and all uses of Content.

2.3 The site and its Content are protected by copyright pursuant to U.S. and international copyright laws, and title to the Content shall not pass to you or any other user. You may not modify, reverse-engineer, disassemble, decompile, transcribe, store in a retrieval system, translate into any language or computer language, re-transmit in electronic, mechanical, photo reproduction, recordation or otherwise in any form or by any means, publish, transmit, participate in the transfer or sale of, reproduce (except as provided in Section 2.5 of this Agreement), create new works from, including derivative works, perform, display, distribute, or in any way exploit or alter, any of the Content or Product (Product includes, but id not limited to, calling cards) or the site in whole or in part. Use of the Content or Product in a networked environment is prohibited. None of the Content or Product may be resold or redistributed without the prior written consent of Nalotel, except that you may reproduce as provided herein.

2.4 Content or Product is subject to change without notice at the sole discretion of Nalotel. If you violate any of the provisions contained in this User Agreement, your permission to use the Content or Product automatically terminates and you must immediately destroy any copies you have made of any portion of the Content or Product.

2.5 You may download or copy the Content, in accordance with the provisions contained herein, on the site for information, demonstration, and shopping purposes only, provided that each such copy contain the copyright notice as it appears in the original Content or Product.

Copying or storing of any Content for other than information, demonstration, and shopping purposes is expressly prohibited.

2.6 Some of the Content and Product are furnished by third party providers. These third party providers will not be liable for any inaccuracies or defects.

North American Telecom, Inc , NAloTel.com ("Nalotel", "we", or "our"), and its Customers, Partners, Suppliers, and Affiliates recognize and respect the privacy expectations of our customers. The following must be read and assented to for you to use our site. By using the Site, you are stating that you have read and are agreeing to the following:

3.1 Customer Privacy

Nalotel is the sole owner of the information collected on this site. We will not sell, share, or rent this information to others in ways different from what is disclosed in this statement.

3.1.a Information Collected

Nalotel can collect information from our users at several different points on our web site. We collect, retain, and use information about you for the purpose of administering our relationship with you. In order to administer our relationship with you, it is necessary for you to provide certain information upon using portions of our Site. Such information includes your name (either your name, company, or organizations name), address, phone number, e-mail address, and other information gathered through the applicable process.

3.1.b Information Automatically Placed On Your Hard Drive (Cookies)

In order to provide service to you, we require that a cookie be transferred to your computer's hard disk for record keeping purposes. The Cookies capture your e-mail address and your first and last name. Cookie's allow you to access our site easier by storing your password on your computer so that you do not have to enter your password each time you log onto our site. To gain access to our Site, your computer must accept Cookies.

3.1.c Non-Personally-Identifiable Information Collected Automatically (IP Addresses)

We collect IP addresses. Collection of IP addresses allows us to monitor fraud on our Site.

3.1.d Children

Nalotel has no intention of collecting personally identifiable information (name, address, telephone number, or e-mail address) from individuals under the age of eighteen. If a child has provided us with personally-identifiable information, a parent or guardian of that child should contact us at the e-mail address listed in the "Accuracy of Information Collected" section if they would like the information deleted from our records. We will use reasonable efforts to delete the information regarding the child from our files.

3.1.e Accuracy of Information Collected

We continually strive to maintain accurate and complete information about our users, members, customers, and clients. Should you believe that information is inaccurate or incomplete, you should notify help@nalotel.com with concerns and the accurate information. We will use reasonable efforts to correct the incorrect information.

3.1.f Newsletter

If a member wishes to subscribe to our newsletter, we ask for contact information such as name and email address. We send all new members a welcoming email to verify password and username. Members will occasionally receive information on products, services, special deals, and a newsletter. You may unsubscribe from this service at any time following the instructions provided in these emails.

Note: E-mail sent to Nalotel may be used to answer questions, to follow up on questions and/or to improve the level of service provided to users. E-mail is not secure and is subject to interception by unauthorized individuals. If you wish to send personal or sensitive information, it should be sent by postal mail or phone via customer service.

3.2 Security

We maintain security measures to protect your information from loss, misuse and alteration of information under our control. Our site employs SSL 128 bit encryption when private information is passed from you to us. The level of encryption you ultimately obtain is dependent upon your browser's capabilities.

If you have any questions about security at our web site, please send an email to: help@nalotel.com

3.3 Sharing of Information

3.3.a North American Corporation

Within Nalotel, any employee access to customer information is for business purposes only and is based on a need to know basis. This information is shared with Affiliates so that we can provide services and products that meet your circumstances and needs.

3.3.b Third Parties

We enter into agreements with outside companies to provide services to our users. When we enter into such agreements, we require that these companies adhere to the same strict privacy standards in regards to the security and confidentiality of your information. We also do not allow such third party companies to disseminate your information to any other party.

3.3.c Unaffiliated Third Parties

As a service to our users, we partner with unaffiliated third parties to offer products and services. At no time is your confidential information provided to these third parties.

3.3.d Call Records

We do not currently offer call records, either printed or online

In compliance with the privacy regulations protecting unlisted telephone numbers, customer service is not able to release complete phone numbers from the detailed records of a prepaid phone card account.

We can, however, provide limited information. If you have specific questions regarding one call, you may call the customer service number listed with your order. On a limited basis, a representative can tell you the Date, Time, Duration of call, Originating area code and Destination area code only.

For additional call detail information, or for more information than for one or two phone calls per record, go to your local law enforcement office to apply for a subpoena. Law enforcement officers or your legal counsel can contact us for instructions on where to submit the subpoena.

3.4 Legally Required Disclosure

There may be occasions where we are legally required to disclose information about you, such as in response to a subpoena, to prevent fraud, or to comply with a legally permitted inquiry by a governmental agency.

3.5 Opt In/Out

Our site provides an opportunity to opt-out of receiving communications from us and our partners at the point where we request information about you. Further, by not opting-out at the applicable places, you are opting-in to our use of your private information as laid out in this privacy statement and policy.

3.6 Link To This Site

If you linked to this site from another site, use of that site is subject to the privacy statement and policies of that site.

3.7 Link To Other Site

This web site contains links to other sites. Please be aware that Nalotel is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Site.

Note: Use of this Site constitutes consent to monitoring. All web site traffic on this site is monitored for copyright, security, and statistical purposes. Unauthorized attempts to upload or change information, to download the entire web site, or otherwise cause damage are strictly prohibited and may be punishable under any applicable local, state, federal, and/or international laws.

4.1 Copyright Notice

Copyright 2011 Nalotel . All rights reserved. All material on this site is owned by Nalotel, or its Customers, Partners, Suppliers, or Affiliates, and is protected by national and international copyright law. Unauthorized duplication or distribution is prohibited.

4.2 Trademarks

Nalotel and nalotel.com are trademarks of Nalotel LLC. The names of companies and products mentioned and contained on the Site may be the trademark of their respective owners.

Our policy is to not accept unsolicited ideas about new marketing, advertising, product, and/or packaging concepts and/or improvements. This policy is to avoid confusion about our ownership of new concepts. If you do send us a message about a proposed new idea, your message will be treated as non-proprietary and non-confidential and becomes our property and may or may not be used by us for any purpose without compensation to you.

6.1 You represent, warrant and covenant: (a) that you are at least eighteen years old, (b) that all information provided by you is accurate and correct, and (c) that you will not infringe the right of any third party.

6.2 USE OF THIS SITE IS AT YOUR SOLE RISK. Nalotel DOES NOT REPRESENT OR WARRANT: THE ACCURACY OR RELIABILITY OF ANY CONTENT, INFORMATION, SERVICE, PRODUCT, SOFTWARE, OR DEMONSTRATION CONTAINED ON THE SITE. RELIANCE UPON SUCH CONTENT, INFORMATION, SERVICE, PRODUCT, SOFTWARE OR DEMONSTRATION SHALL BE AT YOUR OWN RISK.

6.3 THE CONTENT, INFORMATION, SERVICES, PRODUCT, SOFTWARE, AND DEMONSTRATIONS, CONTAINED HEREIN AND PROVIDED ARE DONE SO ON AN "AS IS" BASIS WITHOUT ANY WARRANTIES OF ANY KIND. Nalotel AND ITS RESPECTIVE CUSTOMERS, PARTNERS, SUPPLIERS, AND AFFILIATES, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIM ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT OF THIRD PARTIES RIGHTS. Nalotel AND ITS RESPECTIVE CUSTOMERS, PARTNERS, SUPPLIERS, AND AFFILIATES MAKE NO REPRSENTATIONS OR WARRANTIES ABOUT THE RELIABILITY, COMPLETENESS, ACCURACY, SUITABILITY, CURRENTNESS OR TIMELINESS OF THE CONTENT, INFORMATION, SERVICES, PRODUCT, SOFTWARE, AND DEMONSTRATIONS ON OR THROUGH THE USE OF THE SITE.

6.4 Nalotel, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND/OR ITS RESPECTIVE CUSTOMERS, PARTNERS, SUPPLIERS, AND AFFILIATES AND SUPPLIERS SHALL IN NO EVENT BE LIABILE FOR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, INCIDENTAL AND CONSEQUENTIAL DAMAGES, DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION, OR LOST PROFITS, RESULTING FROM THE USE OR NON-USE OF THE SITE OR THE CONTENT, INFORMATION, SERVICE, PRODUCT, SOFTWARE, AND DEMONSTRATIONS AND THE RELATED GRAPHICS CONTAINED THEREIN. SUCH LIMITATIONS TO CONSEQUENTIAL AND INCIDENTIAL DAMAGES IS IN EFFECT AND FULL FORCE WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT Nalotel IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED, YOUR SOLE AND EXCLSUIVE REMEDY UNDER THIS AGREEMENT IS TO DISCONTINUE USE OF THIS SITE. SINCE SOME STATES/JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTIAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. REMEDIES UNDER THIS AGREEMENT ARE EXCLUSIVE AND LIMITED TO THOSE EXPRESSLY PROVIDED FOR IN THIS AGREEMENT.

Nalotel IS IN NO WAY LIABLE FOR TRANSMISSION FAILURE, INCLUDING BUT NOT LIMITED TO, THE FAILURE, DELAY, INTERRUPTION OR CORRUPTION OF ANY DATA OR OTHER INFORMATION TRANSMITTED IN CONNECTION WITH USE OF THE SITE. INFORMATION IS TRANSMITTED OVER MANY DIFFERENT EXCHANGES, THE INTERNET, ROUTERS, CARRIER LINES, AND LOCAL AND LONG DISTANCE PHONE COMPANIES AND INTERNET SERVICE PROVIDERS. THESE DEVICES ARE MAINTAINED, SERVICED, AND OWNED BY THIRD PARTIES. THEIR MAINTAINANCE AND SERVICE IS OUT OF THE CONTROL OF Nalotel.

You agree to defend, indemnify and hold Nalotel, its officers, directors, employees, agents, subsidiaries, Customers, Partners, Suppliers, and Affiliates (the "Indemnified Parties"), from and against any and all liability, costs, and settlements, including, without limitation, reasonable attorneys fees and accounting fees, incurred by the Indemnified Parties in connection with any claim arising out of any breach of this User Agreement by you or any user of any account assigned to you, whether such user is authorized or unauthorized. Nalotel will promptly provide notice to you of any such claim, suit, or proceeding and, at your expense, will reasonably cooperate with you in your handling of such matter.

Nalotel is linked to by other Internet sites and resources. Nalotel is not responsible for the content or is in any way associated with these third parties. All inquiries regarding the linking sites should be directed to those sites. We provide links to other web sites that we think may be of interest to our users. By providing links, we are not endorsing the materials and content disseminated at those web sites, and we are not responsible for the materials and content at any other site.

You are required to have a password and user ID to access portions of our Site.

10.1 You are given a password and a user ID during registration. The password you are given is the pin number of your first order. You can change your password through account management in the "My Account" section of the Site. Information given during registration must be accurate and updated accordingly. You must be 18 years or older to use this site. In order to protect the accounts of all users, you may not select or use a user ID of another person or use a user ID in which another person has already claimed. Noncompliance with the foregoing shall constitute a breach of this Agreement. Such noncompliance may result in termination of your account. You are solely responsible for maintaining the confidentiality of your user ID and password.

10.2 You must notify Nalotel at, service@nalotel.com of any known or suspected breach of security, including theft, loss, or unauthorized disclosure of your password or credit card information, or unauthorized access or use(s) of your account, or any known or suspected.

10.3 You are responsible for any and all use and activity on your Nalotel account. You are responsible for third party users, including employees, authorized or unauthorized by you to use your user ID and password. Any illegal activity, including, but not limited to, fraudulent misrepresentation, may be, at Nalotel's sole discretion, grounds for termination of your account. In certain circumstances, Nalotel may refer you to appropriate law enforcement agencies.

11.1 Software that is made available to download from this Site ("Software") is the copyrighted work of Nalotel, its Customers, Partners, Suppliers, or Affiliates. Your use of the Software is governed by the license agreement ("License Agreement"), if any, that is included with the Software. You may only download and install Software, that contains a License Agreement, upon agreeing to the License Agreement terms.

11.2 The Software provided to and downloaded by you in accordance with Section 11.1, is licensed to you, subject to the terms contained herein. You have no rights to the Software, code, enhancements, or modifications provided to you beyond the terms contained in the License Agreement. You may not assign, sublicense or transfer any license granted to you by Nalotel, its Customers, Partners, Suppliers, or Affiliates. Any attempt to sublicense, transfer, or assign shall be null and void, as if no such attempt had been made. You may not copy, create derivative works, reverse engineer, distribute, or modify the software, code, enhancements, or modifications except that you may make one copy for archival purposes.

11.3 Your use of the Software constitutes your acknowledgment that the Software, and any accompanying technical information and documentation, is subject to applicable United States of America export controls laws and regulations. Further, you agree that you will not export or re-export the Software directly or indirectly to any countries that are subject to United States of America export restrictions.

12.1 You can terminate your account at any time. To terminate your account, send an e-mail to: service@nalotel.com.

12.2 Nalotel may, in its sole discretion, suspend or terminate your access to all or part of the site for any reason. Such reasons for termination include, without limitation, breach of this Agreement or if your conduct is unlawful or is harmful to the interest of Nalotel and/or its Customers, Partners, Suppliers, or Affiliates.

By agreeing to this User Agreement, you agree that exclusive jurisdiction for any and all disputes with Nalotel resides in the federal court for NEW YORK, USA and you further agree and expressly consent to the exercise of personal jurisdiction in the District of NEW YORK, USA in connection with any such dispute including any claim involving Nalotel, its employees, officers, and directors.

The User Agreement is governed by the internal substantive laws of the State of NEW YORK, without respect to its conflict of laws principles.

The United States government polices and controls the export of products and information, including, but not limited to, software. You must comply with restrictions placed on products and information by the United States government and not export or re-export the Content, Information, Service, Products, Software, or Demonstrations to countries or persons prohibited under the export control laws. By downloading the Content, Information, Service, Products, Software, or Demonstrations, you are agreeing that you are not in a country to which such export of products and information is prohibited. By downloading the Content, Information, Service, Products, Software, or Demonstrations, you are also agreeing that you are not a person or entity to which such export of products and information is prohibited. You are solely responsible for complying with all laws of your local jurisdiction, as well as laws of the jurisdictions in which the information travels through to got to you, regarding the import, export, or re-export of the Content, Information, Service, Products, Software, or Demonstrations.

Following is our general statement on calling card usage. For specific card rules and regulations, please see such rules and regulations for the specific card.

Promotions, discounts, and contest winnings available on the site may not be used in conjunction with any other form of discount or promotion already applied for a given calling card purchase. No discount or promotion may be applied to a calling card after it has been purchased. Effective per-minute rate realized depends on efficient use of included minutes.

Calling Card Rates may vary. Rates are the rate set forth for each specific calling card plus any added fee(s), and/or charge(s) set forth herein or in information for a calling card. A connection fee may apply to each domestic and international call and varies by country unless otherwise stated and such fee shall be charged to your calling card. All calls are billed in 1minute increments and rounded up unless otherwise stated. For each answered call, billing begins no earlier than the point at which the PIN is entered.

Local and Regional Phone Company charges may apply and such fees shall be charged to your calling card. Public payphones may incur an additional charge of up to $0.99 depending on the payphone carrier's policy. Some Calling Cards have a maintenance fee of up to $0.99 a week which will be applied to your calling card within 30 days of first use, as specified. An 800 access fee may be applied to calls without a valid destination number and such fee shall be charged to your calling card. Outside of the United States, 800 access fees may be applied even to calls with valid destination numbers. Access fees to local access numbers may be applied. Federal, State, and local taxes for Lifeline Assistance and Universal Service Fund will be deducted from your calling card. Calls to Directory Assistance will be charged at a higher rate and such fee shall be charged to your calling card.

Not all telephones are compatible with PIN calls. Access to compatible telephones is limited in some locations.

Due to customer demand for simplicity of use, most of our phone cards utilize the # key to signify the end of a call. This improves the ease of usage for customers wishing to not re-enter their PIN to make a new call.

nalotel.com delivers calling cards to your e-mail account within minutes of placing your order.

For fraud protection purposes, first-time customers may be subject to telephone verification before shipment. If the nalotel.com system flags your order for verification, one of our customer service representatives will call you within the next 24 business hours to confirm your order over the phone.

For certain high-risk customers, including those abroad and overseas, nalotel.com customer service representatives may ask for copies of documentation for verification purposes. This may include, but is not limited to, a passport, driver's license, or a copy of the front and back of the credit card used. In requesting and accepting such documentation, nalotel.com will always adhere to the requirements of applicable privacy laws and its credit card merchant agreements.

Please call us at 1-888-838-8433 if you have any questions about our instant delivery or fraud protection policies. Customer service representatives are available 24/7 toll free, in the United States and Canada.

Billing errors may occur. If you have been undercharged, we, in our sole discretion, may charge your provided credit card the amount for which you were incorrectly not charged.

Nalotel is committed to providing the lowest phone card rates possible. Therefore, on orders of less than $40.00 we charge a processing fee to cover our cost in verifying the identity of our customers and managing these purchases. This fee is charged irrespective of the method of payment. All non-rechargeable calling cards expire 90 days after first use or 1 year (365 days) after day of issue. All rechargeable calling cards expire 1 year (365 days) after last use unless otherwise stated.

Prices are subject to change without notice. Refunds will be offered in the form of exchanges or store-credit on all cards having a full balance, excluding discontinued products.

Any PIN-less dialing capability will expire and become inoperative 180 days after the date of the PIN's activation, or if the PIN is recharged, 180 days after the latest recharge.

nalotel.com phone service is not compatible with automatic dialing devices. Using such devices in conjunction with nalotel.com services is prohibited. Use of an automatic dialing device in conjunction with nalotel.com service entitles nalotel.com to suspend the nalotel.com account with which the device is being used and to charge a $50 disconnection fee to that account.

Customers placing calls from outside of the United States of America should use the access numbers provided online at http://www.nalotel.com for the specific country or region from which each call is made. Using an access number from a country or region other than that for which the access number is designated may incur additional charges of up to $1.00 per minute for each minute the access number is used in a country or region other than the country or region for which the access number is designated.

Network services are provided by Nalotel , a New York Limited Liability Company, Nalotel, Ltd.

If any provision of this User Agreement is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of the User Agreement, which shall remain in full force and effect.

No waiver of any of these provisions shall be deemed a further or continuing waiver of such provision or any other provision.

Nalotel is not liable for failure or delay in performing an obligation under this Agreement that is due to causes beyond its control, such as natural catastrophes, governmental acts or omission, laws or regulations, labor strikes or difficulties, computer viruses, war, transportation stoppages or slowdowns or the inability to procure Content, information, service, carriers, Product, Software, or Demonstrations. If any of these causes continue to prevent or delay performance for more than 180 days, you may terminate this Agreement, effective immediately upon notice to Nalotel.

These provisions constitute the entire Agreement between you and Nalotel with respect to the use of this Site and any Software, Content, or Product contained therein, unless specified and marked "ADDENDUM" on the site.

Official correspondence must be sent via postal mail to:

Nalotel LLC

Legal Department
PO BOX 245,New York, NY 10021

In the event you have a claim of copyright infringement with respect to Content that is contained in the site, please notify, Nalotel Ltd., Customer Support, POBOX 245, NEW YORK,NY 10021 or by e-mail at service@nalotel.com.