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Vendor & Expert Hub Terms and Conditions

These Vendor & Expert Hub Terms and Conditions (“Vendor Terms”) govern participation by approved vendors, individual experts, companies, contributors, consultants, service providers, product sellers, digital product creators, strategic partners, and other approved participants (“Vendor,” “Expert,” “Company,” “you,” or “your”) in the Manufacturing International Expert Network, Expert Hubs, Marketplace, content platform, and related commerce ecosystem operated by Russell’s Group Inc. and/or its affiliated brands, including MfgInternational.com (“Manufacturing International,” “MFG International,” “we,” “us,” or “our”).

For purposes of these Vendor Terms, an “Expert Hub” is a Manufacturing International-controlled public-facing destination associated with an approved individual expert or company and may bring together profiles, expertise, content, products, services, tools, resources, events, offers, team members, and other approved information or opportunities.

By applying for, accessing, managing, or participating in a Manufacturing International Expert Hub, Expert Profile, Company Profile, vendor dashboard, product listing, service offering, digital download, Marketplace listing, content opportunity, or related commercial or promotional opportunity, you agree to these Vendor Terms.

These Vendor Terms supplement any separate written agreement, commission agreement, strategic partner agreement, contributor agreement, sponsorship agreement, membership agreement, or other agreement between you and Manufacturing International. If a separate signed agreement conflicts with these Vendor Terms, the signed agreement will control for that specific conflict.

1. Purpose of the Manufacturing International Expert Hub and Marketplace Program

Manufacturing International provides a curated platform designed to help manufacturers, industrial businesses, expert-led firms, consultants, solution providers, and selected partners discover trusted expertise, practical resources, services, tools, products, and solutions.

Manufacturing International Expert Hubs are not open directory listings. Participation is selective and may include access to:

  • Individual Expert Profiles
  • Company Profiles
  • Expert Hubs
  • Product and service listings
  • Digital downloads
  • Tools, templates, and job aids
  • Training, workshops, webinars, or courses
  • Consulting or professional service offers
  • Affiliate or partner product placements
  • Inquiry or lead-generation opportunities
  • Articles, insights, interviews, videos, and podcasts
  • Marketplace visibility
  • Marketplace checkout, where applicable
  • Featured offers or Marketplace Specials
  • Commission, referral, affiliate, or revenue-sharing opportunities
  • Search, category, industry, specialty, or use-case visibility
  • Other promotional or commercial opportunities made available by Manufacturing International

Manufacturing International reserves the right to determine which Vendors, Experts, Companies, Expert Hubs, profiles, offers, listings, products, services, content, badges, categories, placements, and promotional opportunities are accepted, displayed, modified, featured, removed, or declined.

2. Eligibility and Approval

Participation as a Vendor, Expert, Company, or Expert Hub participant is subject to Manufacturing International review and approval.

Approval is not automatic.

Manufacturing International may evaluate applicants based on factors including, but not limited to:

  • Manufacturing relevance
  • Industry experience
  • Subject-matter expertise
  • Professional reputation
  • Quality of products or services
  • Fit with Manufacturing International’s audience
  • Clarity and usefulness of the applicant’s offer
  • Business legitimacy
  • Professional credentials
  • Quality of submitted content
  • Alignment with Manufacturing International’s mission and standards
  • Compliance with these Vendor Terms

Manufacturing International may approve, decline, suspend, downgrade, upgrade, restrict, or remove a Vendor, Expert, Company, profile, or Expert Hub at any time, with or without cause, if Manufacturing International determines that doing so protects platform quality, user trust, legal compliance, brand integrity, customer experience, Marketplace operations, or the Manufacturing International Expert Network.

Approval to participate in one area of Manufacturing International does not automatically constitute approval for every product, service, Marketplace offer, content submission, badge, promotional placement, or other opportunity.

3. Vendor Account and Dashboard Access

Approved participants may receive access to a vendor dashboard, Expert Hub management tools, account tools, content submission tools, product management tools, or other Manufacturing International systems.

You are responsible for:

  • Keeping login credentials secure
  • Ensuring account and profile information is accurate
  • Using Manufacturing International systems only for authorized purposes
  • Submitting accurate product, service, professional, and business information
  • Maintaining current contact and payment information
  • Not sharing access with unauthorized users
  • Managing authorized users associated with your company where applicable
  • Promptly notifying Manufacturing International of unauthorized access or security concerns

Manufacturing International may limit, suspend, modify, or revoke dashboard or account access at any time.

Dashboard or account access does not grant ownership of MfgInternational.com, Expert Hub templates, Marketplace infrastructure, customer data, platform designs, software, page layouts, search systems, content systems, taxonomies, databases, or other Manufacturing International-controlled assets.

4. Expert Profiles, Company Profiles, and Expert Hubs

Manufacturing International may create or maintain public-facing Expert Profiles, Company Profiles, and Expert Hubs for approved participants.

An individual Expert Hub may feature information about an individual professional and that individual’s expertise, company affiliation, content, products, services, resources, or related offers.

A Company Expert Hub may feature information about an approved company and may also include individual team members, experts, capabilities, products, services, content, resources, and offers associated with that company.

Expert Hubs and related profiles may include:

  • Expert or company name
  • Professional title
  • Company affiliation
  • Company description
  • Short biography
  • Expertise and specialty areas
  • Industry experience
  • Logos, photographs, or other images
  • Manufacturing International badges or trust indicators
  • Team members
  • Products and services
  • Tools, downloads, templates, and resources
  • Featured offers
  • Marketplace Specials
  • Articles and insights
  • Podcasts, interviews, webinars, or videos
  • Courses or training
  • Contact forms
  • Inquiry links
  • Booking links
  • Proof points
  • Testimonials or case studies
  • Related resources
  • Calls to action

Manufacturing International retains editorial, structural, and presentation control over Expert Hubs and related profiles, including layout, wording, featured placements, images, badges, internal links, related products, content relationships, categorization, and calls to action.

Participants may submit content, images, descriptions, profile updates, offers, products, team information, and other materials for consideration, but Manufacturing International is not required to publish all submitted materials.

5. Products, Services, and Offers

Approved participants may be permitted to submit products, services, digital downloads, tools, templates, job aids, consulting packages, training, workshops, courses, webinars, affiliate offers, external products, or other offers for review.

All submitted offers must be accurate, lawful, professional, and relevant to the Manufacturing International audience.

Vendors are responsible for ensuring that listings accurately describe:

  • What is being sold or offered
  • Pricing
  • Deliverables
  • Scope of work
  • Limitations
  • Timelines
  • Refund terms, where applicable
  • Requirements from the buyer
  • Licensing or usage restrictions
  • Any third-party dependencies
  • Fulfillment requirements
  • Any disclaimers or eligibility requirements

Manufacturing International may edit, reject, categorize, delay, unpublish, suspend, or remove any offer Manufacturing International determines is unclear, misleading, low quality, irrelevant, risky, outdated, duplicative, noncompliant, or inconsistent with the platform or its audience.

6. Product and Offer Approval and Publication

Submitting a product, service, download, resource, or other offer does not guarantee publication or Marketplace placement.

Unless Manufacturing International separately grants self-publishing rights, submitted offers may require Manufacturing International approval before becoming publicly visible.

Manufacturing International may review offers for:

  • Quality
  • Audience fit
  • Pricing clarity
  • Accuracy
  • SEO and AEO structure
  • Images and presentation
  • Offer type
  • Product category
  • Industry relevance
  • Specialty or expertise classification
  • Use-case classification
  • Legal or compliance concerns
  • Refund language
  • Professional presentation
  • Buyer expectations

Manufacturing International may modify titles, descriptions, categories, images, formatting, calls to action, metadata, internal linking, taxonomy assignments, and other presentation elements to improve clarity, quality, search performance, AI-search visibility, user experience, or platform consistency.

7. Vendor, Expert, and Company Responsibilities

Participants are responsible for:

  • Providing accurate information
  • Maintaining professional conduct
  • Keeping profile and company information reasonably current
  • Fulfilling purchased products or services as described
  • Delivering digital products, services, consultations, training, or other deliverables in a timely manner
  • Responding to legitimate buyer or Manufacturing International inquiries
  • Honoring stated terms
  • Maintaining necessary licenses, certifications, permissions, insurance, or business registrations
  • Complying with applicable laws, regulations, and industry standards
  • Avoiding deceptive, misleading, infringing, or harmful claims
  • Protecting confidential information
  • Properly handling customer information
  • Not interfering with platform operations
  • Not attempting to bypass Manufacturing International payment, referral, affiliate, attribution, tracking, or commission systems

Participants may not use Manufacturing International to promote unlawful, unsafe, fraudulent, deceptive, discriminatory, infringing, or inappropriate products, services, claims, content, or business practices.

8. Prohibited Products, Services, and Conduct

Manufacturing International may prohibit or remove listings, content, profiles, or offers involving:

  • Illegal products or services
  • Misleading financial, legal, medical, safety, or technical claims
  • Counterfeit goods
  • Infringing intellectual property
  • Unsafe or defective products
  • Products or services that violate applicable law
  • Spam, scraping, or deceptive lead generation
  • Unauthorized use of third-party trademarks, images, copyrighted material, or other intellectual property
  • False reviews, fake testimonials, or manipulated proof points
  • Misrepresentation of credentials, experience, certifications, affiliations, or outcomes
  • Attempts to redirect customers outside approved Manufacturing International processes to avoid commissions, referral fees, or other fees
  • Harassment, abuse, or unprofessional conduct
  • Unauthorized automated activity affecting the Manufacturing International platform
  • Any product, service, content, or conduct Manufacturing International determines may harm its users, reputation, partners, Experts, Companies, customers, or platform

Manufacturing International reserves the right to make final determinations regarding what is permitted on the platform.

9. Pricing, Payments, Commissions, and Fees

Some offers may be sold through Manufacturing International checkout, WooCommerce, WCFM, or another approved platform system. Other offers may be inquiry-based, referral-based, affiliate-based, lead-generation-based, or completed through approved external processes.

Commission rates, platform fees, referral fees, payment timing, and revenue-share arrangements may vary by participant, offer type, membership level, Expert Hub status, Marketplace arrangement, or separate written agreement.

Unless otherwise agreed in writing, Manufacturing International may deduct or account for:

  • Platform commissions
  • Payment processing fees
  • Refunds
  • Chargebacks
  • Discounts
  • Taxes
  • Affiliate or referral fees
  • Promotional fees
  • Administrative adjustments
  • Other costs associated with the transaction

Participant earnings, if any, will be calculated according to the applicable commission or revenue-share terms shown in the vendor dashboard, membership plan, product setup, Marketplace arrangement, or separate agreement.

Manufacturing International may adjust commissions or payments to correct errors, refunds, disputes, chargebacks, fraud, tax treatment, or policy violations.

10. Coupons, Discounts, Marketplace Specials, and Promotions

Manufacturing International may create or approve discounts, coupons, Marketplace Specials, featured offers, promotional placements, sponsored campaigns, bundled offers, newsletter promotions, seasonal promotions, or other Marketplace campaigns.

Unless otherwise agreed:

  • Manufacturing International controls platform-wide promotions
  • Participants may not create unauthorized coupons or discounts
  • Commissions may be calculated after applicable discounts
  • Manufacturing International may determine whether an offer is eligible for promotional placement
  • Participants may request promotions, but approval is at Manufacturing International’s discretion
  • Featured or special promotional status does not guarantee traffic, leads, or sales

Manufacturing International may add, change, extend, shorten, reposition, or discontinue promotional programs at its discretion.

11. Taxes

Participants are responsible for understanding and satisfying their own tax obligations related to income, sales, use, VAT, GST, employment, contractor, business, or other taxes.

Manufacturing International may collect, remit, withhold, report, or account for certain taxes where required by law or platform configuration.

Tax treatment may vary depending on:

  • Product type
  • Service type
  • Vendor location
  • Buyer location
  • Marketplace structure
  • Merchant-of-record status
  • Payment processor rules
  • Applicable law

Nothing in these Vendor Terms constitutes tax advice. Participants should consult their own tax advisors.

12. Refunds, Chargebacks, and Disputes

Manufacturing International may establish refund, return, cancellation, dispute, and chargeback policies for Marketplace transactions.

Unless otherwise agreed, Manufacturing International retains authority to determine how customer refunds, chargebacks, disputes, or complaints are handled for transactions processed through Manufacturing International checkout.

Participant earnings may be reduced, reversed, delayed, or withheld for:

  • Refunds
  • Chargebacks
  • Failed delivery
  • Customer disputes
  • Fraud concerns
  • Policy violations
  • Incomplete services
  • Misdescribed products
  • Unresolved complaints

Participants are expected to cooperate promptly with Manufacturing International in resolving customer issues.

13. Fulfillment and Delivery

Participants are responsible for fulfilling approved products, services, downloads, training, workshops, consulting packages, courses, or other offers according to the published description and applicable agreement.

For digital downloads, participants must ensure files are accurate, complete, functional, lawful, and free from malicious code.

For services, participants must clearly define scope, deliverables, timelines, limitations, buyer responsibilities, and any exclusions.

For physical products, participants may be responsible for inventory, shipping, handling, warranty, returns, product safety, and regulatory compliance depending on the offer structure and any separate agreement.

Manufacturing International may suspend or remove an offer when fulfillment or customer service does not meet the published offer or Manufacturing International standards.

14. Customer Communications, Leads, and Data

Manufacturing International may provide participants with limited customer, inquiry, lead, or order information when reasonably necessary to fulfill a product or service, respond to an inquiry, or participate in another authorized Manufacturing International activity.

Participants may use such information only for the relevant transaction, approved inquiry, lead, service relationship, or other authorized activity.

Participants may not:

  • Add Manufacturing International customers or leads to unrelated email lists without proper consent
  • Sell, rent, or improperly share customer or lead data
  • Use customer data for unrelated marketing
  • Contact customers or leads in a misleading or unauthorized manner
  • Bypass Manufacturing International commission, referral, affiliate, or tracking systems
  • Misrepresent the relationship between the participant and Manufacturing International

Participants must comply with applicable privacy, data protection, marketing, email, communications, and consumer protection laws.

Access to a lead, inquiry, contact, or customer through Manufacturing International does not transfer ownership of Manufacturing International’s platform data, audience database, or other proprietary information.

15. Content, Intellectual Property, and License to Manufacturing International

Participants retain ownership of content they own and submit to Manufacturing International, subject to the license granted below.

By submitting content, images, logos, product descriptions, biographies, company descriptions, articles, videos, downloads, tools, templates, testimonials, proof points, trademarks, presentations, or other materials, participants grant Manufacturing International a non-exclusive, worldwide, royalty-free license to use, reproduce, display, distribute, edit, format, excerpt, promote, and publish those materials in connection with:

  • MfgInternational.com
  • Expert Profiles
  • Company Profiles
  • Expert Hubs
  • Marketplace pages
  • Product and service pages
  • Articles and other editorial content
  • Newsletters
  • Social media
  • Search visibility
  • AI-search visibility
  • Advertising
  • Promotional campaigns
  • Marketplace operations
  • Partner or affiliate promotions
  • Internal operations

Participants represent that they have all necessary rights, licenses, permissions, and authority to submit and authorize Manufacturing International’s use of such materials.

Manufacturing International retains ownership of its platform, page designs, templates, editorial structure, branding, copy created by Manufacturing International, Marketplace configuration, Expert Hub layouts, badges, taxonomies, classifications, data structures, internal systems, software, and proprietary materials.

16. Badges, Status, and Expert Network Positioning

Manufacturing International may display badges, levels, trust indicators, labels, categories, classifications, featured status, or other positioning associated with Experts, Companies, Expert Hubs, content, or Marketplace offers.

Examples may include:

  • Expert Contributor
  • Verified Expert
  • Strategic Partner
  • Featured Expert
  • Featured Company
  • Approved Expert Hub
  • Other Manufacturing International-created badges or labels

Badges, classifications, and status levels are determined by Manufacturing International and may be changed, removed, upgraded, downgraded, or discontinued at Manufacturing International’s discretion.

A badge, classification, Expert Hub, or network status does not guarantee sales, leads, rankings, endorsements, exclusivity, specific placement, or ongoing participation.

Participants may not falsely claim a Manufacturing International badge, status, approval, partnership, endorsement, certification, or other relationship.

17. Articles, Editorial Content, and Contributions

Experts, Companies, Vendors, and other approved participants may be invited or permitted to submit articles, insights, interviews, podcasts, webinars, videos, research, tools, or other content.

Manufacturing International retains editorial discretion over all content published on MfgInternational.com or related Manufacturing International channels.

Manufacturing International may edit content for:

  • Clarity
  • Accuracy
  • Length
  • Style
  • SEO
  • AEO
  • Search presentation
  • Audience fit
  • Legal or compliance concerns
  • Brand consistency
  • Formatting
  • Internal linking
  • Categorization

Manufacturing International may also associate published content with an Expert Profile, Company Profile, Expert Hub, product, service, industry, specialty, use case, topic, or Marketplace offer.

Publication of content does not guarantee Expert Hub approval, Marketplace approval, product approval, search rankings, indexing, traffic, leads, inquiries, or sales.

18. Platform Visibility, Discovery, and Promotional Placement

Manufacturing International may promote Experts, Companies, Expert Hubs, profiles, products, services, content, podcasts, webinars, tools, resources, or other offers through:

  • Internal links
  • Search and discovery pages
  • Category pages
  • Industry pages
  • Specialty pages
  • Use-case pages
  • Marketplace pages
  • Featured Marketplace areas
  • Newsletters
  • Social media
  • Search optimization
  • AI-search optimization
  • Featured areas
  • Paid placements
  • Sponsored campaigns
  • Other Manufacturing International distribution channels

Manufacturing International does not guarantee:

  • Traffic
  • Search rankings
  • AI-search visibility
  • Search engine indexing
  • Sales
  • Leads
  • Inquiries
  • Conversions
  • Revenue
  • Newsletter performance
  • Social media performance
  • Specific placement
  • Ongoing placement
  • Promotional visibility

Manufacturing International may change, rotate, reorder, reduce, expand, or remove promotional visibility at any time.

19. External Links, Affiliate Offers, Referrals, and Attribution

Some offers may link to external websites, affiliate programs, partner sites, booking tools, lead forms, or third-party checkout systems.

Participants are responsible for ensuring external links and destinations are accurate, safe, lawful, and consistent with the approved Manufacturing International offer.

Manufacturing International may use tracking links, referral parameters, affiliate links, attribution systems, cookies, promotional codes, or other mechanisms to track referrals, leads, commissions, or performance.

Participants may not intentionally remove, bypass, interfere with, conceal, or manipulate Manufacturing International tracking, attribution, referral, affiliate, or commission systems.

20. Compliance with Laws and Industry Standards

Participants are responsible for complying with all laws, regulations, standards, professional requirements, and rules applicable to their products, services, marketing, claims, professional advice, export/import activities, safety requirements, intellectual property, tax obligations, privacy practices, customer communications, and business activities.

Participants offering professional, financial, legal, technical, safety, engineering, compliance, HR, medical, or other regulated services are responsible for maintaining required licenses, qualifications, disclaimers, insurance, and professional standards.

Manufacturing International does not independently verify all participant claims and does not assume responsibility for a participant’s professional advice, products, services, deliverables, regulatory compliance, qualifications, claims, or representations.

Appearance on Manufacturing International, participation in the Expert Network, or inclusion in an Expert Hub does not constitute a guarantee or independent certification by Manufacturing International of a participant’s qualifications or results.

21. Confidentiality

Participants may receive non-public information from Manufacturing International, customers, partners, Experts, Companies, or other participants.

Participants agree to protect confidential information and use it only for authorized purposes.

Confidential information may include:

  • Customer details
  • Lead or inquiry information
  • Pricing terms
  • Commission terms
  • Business strategy
  • Technical information
  • Platform processes
  • Partner information
  • Unpublished content
  • Private communications
  • Vendor dashboard information
  • Sales or performance data
  • Marketplace information not publicly available

Participants may not disclose confidential information unless authorized by Manufacturing International or required by law.

22. No Guarantee of Results

Manufacturing International provides a platform for expertise, visibility, content, commerce, discovery, networking, lead generation, and Marketplace participation.

Manufacturing International does not guarantee:

  • Sales
  • Revenue
  • Leads
  • Rankings
  • Traffic
  • Inquiries
  • Customer interest
  • Search engine indexing
  • AI-search visibility
  • Ongoing approval
  • Specific Marketplace placement
  • Specific Expert Hub placement
  • Promotional exposure
  • Return on investment

Results depend on many factors, including expertise, offer quality, market demand, pricing, positioning, fulfillment, content quality, competition, timing, search engine behavior, customer needs, and other factors outside Manufacturing International’s control.

23. Suspension, Removal, and Termination

Manufacturing International may suspend, restrict, or terminate participation if Manufacturing International determines a participant has:

  • Violated these Vendor Terms
  • Submitted inaccurate or misleading information
  • Misrepresented expertise, credentials, company information, products, or services
  • Failed to fulfill obligations
  • Created significant customer complaints
  • Misused customer or lead data
  • Violated law or platform policy
  • Harmed or created a material risk to the Manufacturing International brand
  • Attempted to bypass commissions, referrals, attribution, or tracking
  • Engaged in unprofessional conduct
  • Created legal, reputational, operational, financial, or security risk

Upon suspension or termination, Manufacturing International may remove or disable:

  • Vendor dashboard access
  • Expert Profiles
  • Company Profiles
  • Expert Hubs
  • Products
  • Service listings
  • Marketplace offers
  • Badges
  • Content
  • Promotional placements
  • Related account or platform access

Amounts owed, if any, may be withheld or adjusted to account for refunds, chargebacks, disputes, policy violations, fraud concerns, or unresolved obligations.

Where appropriate, Manufacturing International may continue displaying previously published editorial content even after a participant’s Marketplace or Expert Hub participation has ended, subject to applicable agreements and intellectual property rights.

24. Relationship of the Parties

Participants are independent businesses, contractors, professionals, contributors, companies, or third-party providers.

Nothing in these Vendor Terms creates an employment, agency, franchise, joint venture, partnership, fiduciary, representative, or exclusive relationship between the participant and Manufacturing International unless separately agreed in writing.

Participants may not represent that they are employees, agents, legal representatives, or authorized decision-makers of Manufacturing International.

Participation in the Manufacturing International Expert Network or use of an Expert Hub does not authorize a participant to make commitments, representations, warranties, or agreements on behalf of Manufacturing International.

25. Indemnification

Participant agrees to indemnify, defend, and hold harmless Manufacturing International, MfgInternational.com, Russell’s Group, LLC, and their owners, officers, employees, contractors, partners, affiliates, successors, and assigns from and against claims, losses, liabilities, damages, costs, expenses, disputes, penalties, fines, or attorney fees arising out of or related to:

  • Participant products or services
  • Participant content or claims
  • Breach of these Vendor Terms
  • Violation of law
  • Customer disputes
  • Intellectual property infringement
  • Misuse of customer or lead data
  • Professional advice or deliverables
  • Failure to fulfill orders or services
  • Taxes owed by the participant
  • Unauthorized representations
  • Participant negligence or misconduct

26. Limitation of Liability

To the fullest extent permitted by law, Manufacturing International shall not be liable for indirect, incidental, consequential, special, punitive, exemplary, or lost-profit damages arising out of or related to participation in Manufacturing International, Expert Profiles, Company Profiles, Expert Hubs, Marketplace listings, product listings, platform use, transactions, leads, visibility, rankings, customer activity, account suspension, or removal from the platform.

Manufacturing International’s total liability to any participant shall not exceed the amount of platform fees actually retained by Manufacturing International from that participant’s transactions during the three months preceding the claim, unless otherwise required by law or a separate written agreement.

27. Changes to These Vendor Terms

Manufacturing International may update these Vendor Terms from time to time.

Updated terms may be posted on MfgInternational.com, presented through a vendor dashboard or account interface, or otherwise communicated to participants.

Continued participation after updated terms are posted or provided constitutes acceptance of the revised terms to the extent permitted by applicable law.

If a participant does not agree to updated terms, the participant must discontinue use of applicable Manufacturing International systems and notify Manufacturing International.

28. Governing Law

These Vendor Terms shall be governed by the laws of the Commonwealth of Kentucky, without regard to conflict-of-law principles, unless a separate written agreement states otherwise.

Any disputes shall be handled in the state or federal courts located in Kentucky, unless otherwise required by applicable law or a separate written agreement.

29. Contact

Questions about these Vendor Terms may be directed to:

Manufacturing International
MfgInternational.com
info@mfginternational.com

Vendor and Expert Hub Acknowledgment

By applying for, registering as, accessing, or participating as a Vendor, Expert, Company, seller, partner, contributor, or other approved participant on MfgInternational.com, including participation through an Expert Profile, Company Profile, Expert Hub, Marketplace listing, vendor dashboard, product, service, content opportunity, or related Manufacturing International program, you acknowledge that you have read, understood, and agree to these Vendor & Expert Hub Terms and Conditions.