TERMS OF SERVICE

THESE TERMS OF SERVICE GOVERN YOUR USE OF THIS SITE, WHICH IS PROVIDED BY OUR COMPANY. BY ACCESSING THIS SITE, YOU ARE INDICATING YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THESE TERMS OF USE. THESE TERMS OF USE ARE SUBJECT TO CHANGE BY OUR COMPANY AT ANY TIME AT OUR DISCRETION. YOUR USE OF THIS SITE AFTER SUCH CHANGES HAVE BEEN IMPLEMENTED CONSTITUTE YOUR ACKNOWLEDGEMENT AND ACCEPTANCE OF THE CHANGES. PLEASE CONSULT THESE TERMS OF USE REGULARLY

Access To This site:

YOU MUST BE EIGHTEEN (18) YEARS OF AGE OR OLDER TO ACCESS THIS WEB SITE. IF YOU ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS THIS WEB SITE.

YOU MAY USE THIS SITE FOR PURPOSES PERMITTED BY THIS SITE. YOU MAY NOT USE THIS SITE FOR ANY OTHER PURPOSE, INCLUDING ANY COMMERCIAL PURPOSE, WITHOUT OUR COMPANY'S EXPRESS PERMISSION OR PRIOR WRITTEN CONSENT.

Proprietary Information:

THE MATERIAL AND CONTENT ACCESSIBLE FROM THIS SITE AND ANY OTHER WORLD WIDE WEB SITE OWNED, OPERATED, LICENSED, OR CONTROLLED BY OUR COMPANY IS THE PROPRIETARY INFORMATION OF OUR COMPANY OR THE PARTY THAT PROVIDED THE CONTENT TO OUR COMPANY, AND OUR COMPANY RETAINS ALL RIGHT, TITLE, AND INTEREST IN THE CONTENT. ACCORDINGLY, THE CONTENT MAY NOT BE COPIED, DISTRIBUTED, REPUBLISHED, UPLOADED OR TRANSMITTED IN ANY MANNER WITHOUT PRIOR WRITTEN CONSENT FROM US. EXCEPT THAT YOU MAY PRINT OUT A COPY OF THE CONTENT SOLELY FOR YOUR PERSONAL USE. BY SO DOING YOU MAY NOT REMOVE TRADEMARKS, COPYRIGHT NOTICE OR PROPRIETARY NOTICE/LEGENDS OF ANY KIND APPEARING ON THE CONTENT.

NEITHER TITLE NOR INTELLECTUAL PROPERTY RIGHTS ARE TRANSFERRED TO YOU BY ACCESS TO HIS SITE AND OUR MATERIALS.

Submissions:

YOU HEREBY GRANT TO OUR COMPANY THE ROYALTY-FREE, PERPETUAL, IRREVOCABLE, NON-EXCLUSIVE RIGHT TO USE, REPRODUCE, MODIFY, PUBLISH, TRANSLATE AND CREATE DERIVATIVE WORKS FROM ALL CONTENT, REMARKS, SUGGESTIONS, IDEAS, GRAPHICS AND OTHER INFORMATION COMMUNICATED TO OUR COMPANY THROUGH THIS SITE (TOGETHER, HEREAFTER KNOWN AS THE “SUBMISSION”) AND TO INCORPORATE ANY SUBMISSION IN OTHER WORKS IN ANY FORM, MEDIA, OR TECHNOLOGY NOW KNOWN OR LATER DEVELOPED. OUR COMPANY WILL NOT BE REQUIRED TO TREAT ANY SUBMISSION AS CONFIDENTIAL, AND MAY USE ANY SUBMISSION IN IT'S BUSINESS (INCLUDING WITHOUT LIMITATION, FOR PRODUCTS OR ADVERTISING) WITHOUT INCURRING ANY LIABILITIES FOR ROYALTY OR ANY OTHER KIND OF CONSIDERATION, AND WILL NOT INCUR ANY LIABILITY AS A RESULT OF ANY SIMILARITIES THAT MAY APPEAR IN FUTURE COMPANY OPERATIONS.

Disclaimer:

YOU UNDERSTAND THAT OUR COMPANY CANNOT AND DOES NOT GUARANTEE OR WARRANT THAT FILES AVAILABLE FOR DOWNLOADING FROM THE INTERNET WILL BE FREE OF VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT MAY MANIFEST DESTRUCTIVE PROPERTIES. YOU ARE RESPONSIBLE FOR IMPLEMENTING SUFFICIENT PROCEDURES TO SATISFY YOUR OWN ACCURACY OF DATA AND PROTECTION FROM VIRUS AND CONTAMINATION. OUR COMPANY DOES NOT ASSUME RESPONSIBILITY OR RISK FOR YOUR USE OF THE INTERNET.

THE CONTENT WE PROVIDE IS NOT NECESSARILY COMPLETE OR UP-TO-DATE AND SHOULD NOT BE USED TO REPLACE WRITTEN REPORTS, STATEMENTS AND ADVICE OF APPROPRIATELY QUALIFIED PROFESSIONALS. INVESTORS, BORROWERS AND ANY OTHER PERSON SHOULD USE THE CONTENT AS ANY EDUCATIONAL MEDIUM, NOT RELYING ON THE CONTENT TO THE EXCLUSION OF THEIR OWN PROFESSIONAL JUDGMENT.

Last Update March 3, 2009.