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Terms of Service

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS SITE. BY USING THIS SITE, YOU AGREE TO THESE TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS OF USE, PLEASE DO NOT USE THIS SITE. 1. General. This site is owned and operated by Coffee Time Romance (which may be referred to as or Coffee Time Romance). Coffee Time Romance has the right at any time to change or discontinue any aspect or feature of the site, including, without limitation, the content, hours of availability, and equipment needed for access or use of the site. These terms of use apply to all users of Coffee Time Romance, from one-time users to people browsing the website to Coffee Time Romance members. Individual Coffee Time Romance members are limited to a single individual. 2. Restrictions on Use. A. You shall use the site for lawful purposes only. You shall not post or transmit through the site any material that (I) violates or infringes in any way upon the rights of others, (ii) is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, or (iii) encourages conduct that would constitute a criminal offense, gives rise to civil liability or otherwise violate any law. Without Coffee Time Romance's express prior approval, you shall not post or transmit through the site any material that contains advertising or any solicitation with respect to products or services. You shall not use the site to advertise or perform any commercial solicitation, including, without limitation, the solicitation of users to become subscribers of other on-line information services. Any conduct by you that in Coffee Time Romance's discretion restricts or inhibits any other user from using or enjoying the site will not be permitted. B. The site contains copyrighted material, trademarks and other proprietary information, including, without limitation, eBooks, downloadable files, text, software, photos, video, graphics, music and sound, and the contents of the site are copyrighted under the United States copyright laws. You may not modify, publish, transmit, display, participate in the transfer or sale, create derivative works, or in any way exploit, any of the content, in whole or in part. No copying, redistribution, retransmission, publication or commercial exploitation of downloaded material will be permitted without the express written permission of Coffee Time Romance and the copyright owner. In the event of any permitted copying, redistribution or publication of copyrighted material, no changes in or deletion of author attribution, trademark legend or copyright notice shall be made. You acknowledge that you do not acquire any ownership rights by downloading copyrighted material. Coffee Time Romance eBooks can not be printed. C. You shall not upload, post or otherwise make available on the site any material protected by copyright, trademark or other proprietary right without the express permission of the owner of the copyright, trademark or other proprietary right and the burden of determining that any material is not protected by copyright rests with you. You shall be solely liable for any damage resulting from any infringement of copyrights, proprietary rights, or any other harm resulting from such a submission. By submitting material to any public area of the site, you automatically grant, or warrant that the owner of such material has expressly granted Coffee Time Romance the royalty-free, worldwide, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, display, translate and distribute such material (in whole or in part) and/or to incorporate it in other works in any form, media or technology now known or hereafter developed. You also permit any other user of the site to access, view, store or reproduce the material for that user's personal use. You grant Coffee Time Romance the right to edit, copy, display, publish and distribute any material made available on the site by you. D. Your access to the site, other than to portions open to the public, is controlled by your individual password. You may not share your password with anyone else or permit your password to be used to provide anyone else with access to non-public portions of the site. E. The foregoing provisions of Section 3 are for the benefit of Coffee Time Romance, its subsidiaries, affiliates and its third party content providers and licensors and each shall have the right to assert and enforce such provisions directly or on its own behalf. 3.Disclaimer of Warranty; Limitation of Liability. A. YOU EXPRESSLY AGREE THAT USE OF THE SITE IS AT YOUR SOLE RISK. NEITHER COFFEE TIME ROMANCE, ITS AFFILIATES NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SITE, OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION, SERVICE OR MERCHANDISE PROVIDED THROUGH THE SITE. B. THE SITE IS PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. ADDITIONALLY, THERE ARE NO WARRANTIES AS TO THE RESULTS OBTAINED FROM THE USE OF THE SITE. C. IN NO EVENT WILL COFFEE TIME ROMANCE, OR ANY PERSON OR ENTITY INVOLVED IN CREATING, PRODUCING OR DISTRIBUTING THE SITE OR THE CONTENT INCLUDED THEREIN, BE LIABLE IN CONTRACT, IN TORT (INCLUDING FOR ITS OWN NEGLIGENCE) OR UNDER ANY OTHER LEGAL THEORY (INCLUDING STRICT LIABILITY) FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, CONSEQUENTIAL OR SIMILAR DAMAGES, INCLUDING, WITHOUT LIMITATION, LOST PROFITS OR REVENUES, LOSS OF USE OR SIMILAR ECONOMIC LOSS, ARISING OUT OF THE USE OF OR INABILITY TO USE THE SITE. YOU HEREBY ACKNOWLEDGE THAT THE PROVISIONS OF THIS SECTION SHALL APPLY TO ALL USE OF AND CONTENT ON THE SITE. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN NO EVENT SHALL Coffee Time Romance's TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES AND CAUSES OF ACTION WHETHER IN CONTRACT, TORT (INCLUDING ITS OWN NEGLIGENCE) OR UNDER ANY OTHER LEGAL THEORY (INCLUDING STRICT LIABILITY) EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS SITE. D. THE ABOVE DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INACCURACY, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF THIS SITE, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR (INCLUDING STRICT LIABILITY), NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. YOU SPECIFICALLY ACKNOWLEDGE THAT Coffee Time Romance IS NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD-PARTIES AND THAT THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH YOU. 4. Monitoring. Coffee Time Romance shall have the right, but not the obligation, to monitor the content of the site including any chat rooms and forums, to determine compliance with these Terms of Use and any operating rules established by Coffee Time Romance and to satisfy any law, regulation or authorized government request. Coffee Time Romance shall have the right in its sole discretion to edit, refuse to post or remove any material submitted to or posted on the site. Without limiting the foregoing, Coffee Time Romance shall have the right to remove any material that Coffee Time Romance in its sole discretion, finds to be in violation of the provisions hereof or otherwise objectionable. 5. Indemnification. You agree to defend, indemnify and hold harmless Coffee Time Romance and its affiliates and their respective directors, officers, employees and agents from and against any and all claims, actions, demands, damages, costs, liabilities, losses and expenses (including reasonable attorneys' fees) arising out of your use of the site. 6. Trademarks. Coffee Time Romance,, and all page headers, custom graphics and button icons are service marks, trademarks, and/or trade dress of Coffee Time Romance. All rights reserved. All other trademarks appearing on the site are the property of their respective owners. 7. Third Party Content. Coffee Time Romance has no more editorial control over content than does a public library, bookstore, or newsstand. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers and users, are those of the respective author(s) or distributor(s) and not of Coffee Time Romance. In many instances, the content available through the site represents the opinions and judgments of the respective information provider or user. Coffee Time Romance neither endorses nor is responsible for the accuracy or reliability of any opinion, advice or statement made on the site by anyone other than authorized Coffee Time Romance employee spokespersons while acting in their official capacities. 8. Micropay Accounts. If a Coffee Time Romance Member decides to close his or her Coffee Time Romance Account and not buy from Coffee Time Romance in the future, then he or she may request a refund of remaining monies in their Micropay account by sending email to Coffee Time Romance will refund the money within 60 days. Note 1: registered members who win Micropay dollars as part of a Coffee Time Romance prize program cannot redeem such winnings for cash. Note 2: Micropay dollars added to a members Mircopay account through the Coffee Time Romance "Recommend a Friend" program cannot be redeemed or refunded for cash. This rule is in place to discourage "spamming" in this program. Note 3: Micropay dollars added via the Coffee Time Romance Rebate Program (also called Rapid Rebate) cannot be redeemed or refunded in cash. 9. Ebooks. After purchasing any downloadable eBook or product from, it is the Coffee Time Romance Member's responsibility to download the eBook or product within 1 hour of purchase. If you believe an error has been made in the purchase, please do not download the eBook (you must contact us explaining the error at Once you download the eBook, then it is impossible for us to refund you for it. Please note: Because of the constantly evolving nature of the eBook industry and eBook formats, we do not guarantee that eBooks you purchase from Coffee Time Romance will always be available in the formats that we "currently" support. That is why it is important that you download the eBook in the format of your choice immediately after purchasing. Coffee Time Romance, however, will make efforts to keep the product listed and available for download in the Coffee Time Romance member's "Bookshelf" for three months and longer when possible -- but this is not guaranteed. YOU EXPRESSLY AGREE that Coffee Time Romance has the right to put a temporary hold on any account while it validates credit card or Micropay purchases and/or reviews such transactions for potential fraud. While an account is on hold, downloading eBooks is not allowed. Once the purchase is validated, the hold will be removed and downloading will be possible. Or, if the transaction is fraudulent, then the account will be frozen and other actions will be taken. Important Notice: eBooks cannot be printed, copied, or "loaned" to others due to copyright laws. Important Notice: Once an eBook is downloaded, it cannot be refunded or exchanged for another eBook for for a different format of the same eBook. All eBooks at are the exclusive property of the publisher or its licensors and is protected by copyright and other intellectual property laws. The download of these product(s) is intended for the Coffee Time Romance Member's personal and noncommercial use. Any other use of eBooks downloaded from is strictly prohibited. Users may not modify, transmit, publish, participate in the transfer or sale of, reproduce, create derivative works from, distribute, perform, display, or in any way exploit, any of the content of these product(s), in whole or in part. By downloading Coffee Time Romance eBooks, the User hereby acknowledges and agrees to these terms. 10. "Recommend a Friend" Program. This program is being released as a Beta Test at this time. Testing of the program will continue and errors may occur during this testing period. Coffee Time Romance will attempt to fix errors as quickly as possible, but in some cases that may not be possible during this beta period. The program works like this: -- In the "bookshelf" area, Coffee Time Romance members (which we will call the "recommender" in this example) will have the option to email a "friend" to recommend an eBook. -- The email generated for this purpose will automatically create a 10% discounted coupon that can be used by the "friend" to purchase the specific eBook that is being recommended. -- If the "friend" uses the coupon, then the recommender will receive 10% of the "friend's" total eBook purchase resulting from the coupon. This amount will be put into the recommender's Micropay Account. Note: any Micropay dollars generated through Coffee Time Romance's Recommend a Friend program can only be used by the recommender for future Coffee Time Romance eBook purchases. It CANNOT be refunded or redeemed by the recommender for cash. -- SPECIAL NOTE: This program has been requested by our Coffee Time Romance members. Its intent is to allow members to recommend eBooks to their friends. In no case should this program be used to SPAM people or to send unwanted email or to send a recommendation to a mailing list. Coffee Time Romance has put safe guards in place to reduce the possibility of SPAM. For example, the Coupon that is created can only be used ONCE. Therefore there is no benefit to send the Coupon code to multiple people. Also, our program allows our users to only send one recommendation out at a time (e.g., multiple email addresses cannot be put into the "TO" field of the email form). If Coffee Time Romance discovers that members are using the program to somehow spam people, then that member may be suspended from Coffee Time Romance. 11. Changed Terms. Coffee Time Romance has the right at any time to change or modify these Terms of Use applicable to use of the site, or any part thereof, or to impose new conditions. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by any means including, without limitation, posting on the site, or by electronic or conventional mail, or by any other means. Any use of the site by you after such notice shall be deemed to constitute acceptance of such changes, modifications, additions or deletions. 12. Miscellaneous. These Terms of Use shall be construed in accordance with the laws of the State of Georgia, without regard to its conflict of laws rules. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. The section headings used herein are for convenience only and shall not be given any legal import. What is the EU VAT tax? The European Union recently imposed a tax on many different kinds of digital goods and services. Among other things, it imposes a tax on all EU citizens for eBooks. For more information see: The EU Digital Vat Tax FAQ Page. Who is a European Union Citizen? Any citizen of the following countries: Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Luxembourg, The Netherlands, Portugal, Spain, Sweden, and the United Kingdom. As the EU adds more countries in the future, then those citizens would also be liable for this tax. But Coffee Time Romance is based in the USA, not the EU. So why do you collect this tax? The EU's rules say that even eBook sellers based outside the EU have to collect and pay this tax for EU citizens. How much is the tax rate? It varies from 15% to 25% depending on which EU country you live in. If you are not in a European Union country, then there is no tax. For specific tax rates see: The EU Digital Vat Tax Rate Table. How do you know who is an EU citizen? The country on the credit card billing address is used to make this determination. Back to Top Do I get charged VAT both when I buy Micropay and again later when I use that Micropay to purchase eBooks? No, VAT is never charged twice to any funds you deposit. VAT is only charged at credit card transaction time. So, you are charged the VAT when you make your Micropay deposit but not again later when you use that micropay. This is the correct way to do it because some rebate promotions deposit money into your Micropay account, and no tax is due on purchases made with such rebates because you did not actually pay us that money. VAT is only due on amounts you pay to us; money has to change hands from you to us for VAT to be incurred. If I am an EU citizen and I purchase an eBook that has a 100% Micropay rebate using my credit card, do I get charged VAT? Yes. Again, VAT is always charged at credit transaction time (or Micropay deposit time if using an intenational money order). You are not charged again when you use the Micropay dollars that result from the rebate, however, so you are only charged on each credit transaction once. Note that if you buy a physical item that is subject to VAT and has a mail-in rebate you would indeed be charged by the merchant on the full retail price, so this is no different than how rebates and taxes work on physical goods. What if I am an EU citizen and I deposit funds into my Micropay account via international money order? In this case we will deduct the proper amount based on your country's VAT rate from the money order and deposit the remaining funds into your micropay account. Is VAT charged for Buywise Club membership or Libwise library membership for EU citizens? Yes. The EU Digital VAT covers a wide range of digital goods as well as services and our understanding is that Buywise Club and Libwise library would fall under those definitions and therefore are subject to the tax.