EXHIBIT 10.1.3


Terms for User Agreement
Read first, then fill out User Agreement
Consumer Report User Agreement

Please read and complete this agreement and fax to Avert. If
you are dissatisfied for any reason, notify Avert in writing     YOUR CUSTOMER
within 30 days of the date you signed this  agreement.  Your       NUMBER IS
account  will be closed  and your  $50.00  set-up  fee (less     -------------
charges for products and services ordered) will be refunded.       ----------

      BUSINESS INFORMATION (Address must be physical location of company)

Business Name (User)
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Address
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        City                   State                 Zip Code
Main Contact Name
                  --------------------------------------------------------------
                  First              Last              Title
Phone #                    Fax #                  E-mail
        ------------------      -----------------
Second Contact Name (if applicable)
                                   ---------------------------------------------
                                   First          LastT              itle
Phone #                    Fax #                  E-mail
        ------------------      -----------------
Billing Contact (if different from main contact)
                                                --------------------------------
                                                First         Last      Title
Phone #                    Fax #                  E-mail
        ------------------      -----------------
1. Please describe your company's business.
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2. List approximate number of employees. _______
3. How long has your company been in business? ______
4. Is your company in:
Commercial
[______________]Industrial
[______________]Residential
[______________]Other (please explain) Building?
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5.  Identify two  principals  (or owners) of your  business,  or if your company
stock is traded on a recognized  stock  exchange,  please provide the symbol and
exchange.
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Name                           Title              Phone
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Name                           Title              Phone


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Symbol              Exchange

6. Select One Account Option: (Check Appropriate box)

Basic Account
[______________]AVERTadvantage ($10/month)
[______________]AVERTadvantage Online($20/month)
7. If you intend to use  reports  containing  information  obtained  from credit
bureaus,  (i.e.  Name Link,  Instant  Address  Link,  Credit Link,  etc.) please
provide a copy of ONE of the following  items listed below:  (Check  Appropriate
box)
[_______________]Sales Tax License
[_______________]Business license
[_______________]Articles of Incorporation

8. Select One Billing Option: (Check appropriate box)
[_______________]Bill  $50.00  Set-up  Fee to Credit  Card (Net 30 days for all
                 other charges)
[_______________]Bill Any Charges from Avert to Credit Card on an Ongoing Basis
[_______________]Direct Deposit (Addendum Required)
[_______________]Net 30 Days Billing Option
9. If paying set-up fee and/or other charges by credit card, please complete the
following : (Visa, mastercard and American Express accepted)
Card Type _______________________________________
Credit Card Number ______________________________
Expiration Date _________________________________
Cardholder Name _________________________________

User certifies that the "Terms for Consumer Report User Agreement" have been
read and agrees to the terms as written.

x
 ----------------------------------------------------------------------
 User Authorized Signature    Title     Date


 ----------------------------------------------------------------------
 Avert, Inc. Authorized Signature  Title     Date


After reading through the terms and conditions,
return to the Avert User Agreement

TERMS FOR CONSUMER REPORT USER AGREEMENT

     This  agreement by and between  Avert,  Inc.  and the company  named on the
     Consumer  Report User Agreement Form (User) and/or its designated  agent(s)
     consists of the following understandings and conditions:


<PAGE>

                          User certifies and agrees to:


Use the  services of and the reports  received  from Avert in strict  compliance
with all provisions of the Fair Credit  Reporting Act (FCRA),  Public Law 91-508
and the Americans with  Disabilities  Act (ADA 1990),  and all other  applicable
federal  and state  laws and  regulations  including  federal  and  state  equal
opportunity  laws and  regulations.

Review the Notice to Users of Consumer  Reports:  Obligations of Users under the
FCRA and perform legal obligations as set forth in said Notice.

Use the information  provided by Avert for the User's exclusive use only, except
to disclose said  information  to the subject of the report,  and for employment
purposes only, and only in accordance with applicable law.

Make a clear and conspicuous disclosure to the applicant or employee, in writing
and in a  separate  document,  that  a  consumer  report  may  be  obtained  for
employment purposes.

Make a  clear  and  accurate  disclosure  to the  applicant  or  employee  if an
investigative  consumer report (reference  check) will be obtained,  including a
statement  informing the subject of the report that  additional  information  is
available  if  requested.  Obtain  the  proper  written  authorization  from the
applicant or employee for any consumer report prior to requesting any report.

Provide  proper  notice  to the  applicant  or  employee,  a copy of the  report
obtained,  and a Summary  of  Rights,  as  required  by the FCRA,  if an adverse
decision  regarding  employment  is going to be made due to  information  in any
report obtained from Avert, Inc.

Ensure that reports will be requested only by User's designated  representatives
and forbid  employees  from obtaining  reports on themselves,  associates or any
other person except in the exercise of their official duties.

Recognize that information is obtained and managed by fallible sources, and that
for the fee  charged,  Avert does not  guarantee  or insure the  accuracy or the
depth of information provided.

Assume responsibility for the final verification of the applicant's identity.

Base  employment  decisions  or any actions on the User's  lawful  policies  and
procedures  and  recognize  that Avert  employees  are not allowed to render any
legal opinions.

Recognize that once Avert,  Inc. has delivered your customer  number to the main
contact person listed on this agreement,  that the security and dissemination of
this unique  customer  number is the  responsibility  of the person signing this
agreement.  Avert will neither release  information nor take orders for services
unless the customer number is provided.

Pay for services  based on a statement  system similar to ones used by telephone
companies.  Terms are NET 30 days.  Accounts  in arrears  will  assume a finance
charge of 2% per month or the highest  lawful  rate,  whichever  is less.  If an
account  goes  to  collection,  User  agrees  to  pay  all  expenses,  including
reasonable legal fees.

Provide credit information on User as may be requested by Avert, Inc. during the
course of this agreement.

Be aware that, if an account remains inactive for twelve consecutive  months, it
may be closed and a new User Agreement may be required to reopen the account.

Acknowledge that a facsimile of this agreement is as valid as an original.


<PAGE>


Recognize  that in order to  remain  in  compliance  with  laws and  regulations
governing  consumer  reporting  agencies  Avert may make  modifications  to this
agreement from time to time. These  modifications  may be mailed to the User and
the User's use of Avert's services after the date specified in the communication
will be construed as your agreement and implied consent to these modifications.


Avert agrees to:
Comply with all applicable laws in the  preparation and  transmission of reports
as defined in 15 USC-1681 et seq,  regulated  by the Federal  Trade  Commission.

Follow  reasonable  quality  assurance  procedures  to assure  maximum  possible
accuracy of information.

Re-verify  at no cost any  disputed  report  when either the User or the subject
makes a request in accordance  with applicable  law.  Avert's  response shall be
made in writing and delivered in a timely manner.

Maintain  consumer report  information and transaction  details for a minimum of
two years.  During an inquiry,  the subject of the report has the right to learn
the name of the User ordering information and has the right to receive a copy of
the report ordered by the User when a lawful request is made to Avert.

Provide all information to the consumer as required by the Fair Credit Reporting
Act.

Maintain confidentiality of its data acquisition and verification methodology.

Avert may, at its sole discretion, terminate service to any User.