Terms Of Use & Service

IMPORTANT! THESE TERMS OF SERVICE (TOS) 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 IN ITS
DISCRETION. YOUR USE OF THIS SITE AFTER SUCH CHANGES ARE IMPLEMENTED
CONSTITUTES YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THE CHANGES. PLEASE
CONSULT THESE TERMS OF USE REGULARLY.

Access To This Site

YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS WEB SITE. IF YOU
ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS THIS WEB
SITE FOR ANY REASON. DUE TO THE AGE RESTRICTIONS FOR USE OF THIS WEB
SITE, NO INFORMATION OBTAINED BY THIS WEB SITE, FALLS WITHIN THE CHILD
ONLINE PRIVACY ACT (COPA) AND IS NOT MONITORED AS DOING SO.

To access this site or some of the resources it has to offer, you may be
asked to provide certain registration details or other information. It is
a condition of your use of this site that all the information you provide
on this site will be correct, current, and complete. If our Company
believes the information you provide is not correct, current, or complete,
we have the right to refuse you access to this site or any of its
resources, and to terminate or suspend your access at any time, without
notice.

Restrictions On Use

You may use this site for purposes expressly permitted by this site. You
may not use this site for any other purpose, including any commercial
purpose, without our Company’s express prior written consent. For
example, you may not (and may not authorize any other party to) (i)
co-brand this site, or (ii) frame this site, or (iii) hyper-link to this
site, without the express prior written permission of an authorized
representative of our Company. For purposes of these Terms of Use,
“co-branding” means to display a name, logo, trademark, or other means of
attribution or identification of any party in such a manner as is
reasonably likely to give a user the impression that such other party has
the right to display, publish, or distribute this site or content
accessible within this site. You agree to cooperate with our Company in
causing any unauthorized co-branding, framing or hyper-linking immediately
to cease.

Proprietary Information

The material and content (hereinafter referred to as the “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 or the party that provided the Content to our
Company retains all right, title, and interest in the Content.
Accordingly, the Content may not be copied, distributed, republished,
uploaded, posted, or transmitted in any way without the prior written
consent of our Company, or unless authorized in writing elsewhere on our
site, except that you may print out a copy of the Content solely for your
personal use. In doing so, you may not remove or alter, or cause to be
removed or altered, any copyright, trademark, trade name, service mark, or
any other proprietary notice or legend appearing on any of the Content.
Modification or use of the Content except as expressly provided in these
Terms of Use violates our Company’s intellectual property rights. Neither
title nor intellectual property rights are transferred to you by access to
this site.

Hyper-Links

This site may be hyper-linked to other sites which are not maintained by,
or related to, our Company. Hyper-links to such sites are provided as a
service to users and are not sponsored by or affiliated with this site or
our Company. Our Company has not reviewed any or all of such sites and is
not responsible for the content of those sites. Hyper-links are to be
accessed at the user’s own risk, and our Company makes no representations
or warranties about the content, completeness or accuracy of these
hyper-links or the sites hyper-linked to this site. Further, the
inclusion of any hyper-link to a third-party site does not necessarily
imply endorsement by our Company of that site.

Submissions

You hereby grant to our Company the royalty-free, perpetual, irrevocable,
worldwide, non-exclusive right and license to use, reproduce, modify,
adapt, publish, translate, create derivative works from, distribute,
perform, and display all content, remarks, suggestions, ideas, graphics,
or other information communicated to our Company through this site
(together, hereinafter 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 its business (including
without limitation, for products or advertising) without incurring any
liability for royalties or any other consideration of any kind, and will
not incur any liability as a result of any similarities that may appear in
future Company operations.

Our Company will treat any personal information that you submit through
this site in accordance with its Privacy Policy as set forth on this site.

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
contaminating or destructive properties. You are responsible for
implementing sufficient procedures and checkpoints to satisfy your
particular requirements for accuracy of data input and output, and for
maintaining a means external to this site for the reconstruction of any
lost data. Our Company does not assume any responsibility or risk for
your use of the Internet.

The Content is not necessarily complete and up-to-date and should not be
used to replace any written reports, statements, or notices provided by
Company. Investors, borrowers, and other persons should use the Content
in the same manner as any other educational medium and should not rely on
the Content to the exclusion of their own professional judgment.
Information obtained by using this site is not exhaustive and does not
cover all issues, topics, or facts that may be relevant to your goals.

YOUR USE OF THIS SITE IS AT YOUR OWN RISK.

The Content is provided as is and without warranties of any kind, either expressed or implied.
Our Company disclaims all warranties, including any implied warranties of
merchantability, fitness for a particular purpose,

TITLE, OR NON-INFRINGEMENT.

Our Company does not warrant that the functions OR
CONTENT contained in this site will be uninterrupted or error-free, that
defects will be corrected, or that this site or the server that makes it
available are free of viruses or other harmful components. Our Company
does not warrant or make any representation regarding use, or the result
of use, of the content in terms of accuracy, reliability, or otherwise.
The content may include technical inaccuracies or typographical errors,
and Company may make changes or improvements at any time. You, and not
our Company, assume the entire cost of all necessary servicing, repair or
correction

IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS
SITE OR ITS CONTENT. Our COMPANY MAKES NO WARRANTIES THAT YOUR USE OF THE
CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY OR
RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

All of the information in this site, whether historical in nature or
forward-looking, speaks only as of the date the information is posted on
this site, and Company does not undertake any obligation to update such
information after it is posted or to remove such information from this
site if it is not, or is no longer, accurate or complete.

Limitation On Liability

COMPANY, ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS,
CONTENT PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS WILL NOT BE
LIABLE FOR ANY INCIDENTAL, DIRECT, INDIRECT, PUNITIVE, ACTUAL,
CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR OTHER DAMAGES, INCLUDING LOSS OF
REVENUE OR INCOME, PAIN AND SUFFERING, EMOTIONAL DISTRESS, OR SIMILAR
DAMAGES, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF COMPANY AND ITS
SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT PROVIDERS,
EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS, TO ANY PARTY (REGARDLESS OF
THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE
GREATER OF ONE HUNDRED DOLLARS OR THE AMOUNT YOU HAVE PAID TO COMPANY FOR THE APPLICABLE
CONTENT, PRODUCT OR SERVICE OUT OF WHICH LIABILITY AROSE.

Indemnity

You will indemnify and hold Company, its subsidiaries, affiliates,
licensors, content providers, service providers, employees, agents,
officers, directors, and contractors (hereinafter known as the
“Indemnified Parties”) harmless from any breach of these Terms of Use by
you, including any use of Content other than as expressly authorized in
these Terms of Use. You agree that the Indemnified Parties will have no
liability in connection with any such breach or unauthorized use, and you
agree to indemnify any and all resulting loss, damages, judgments, awards,
costs, expenses, and attorney’s fees of the Indemnified Parties in
connection therewith. You will also indemnify and hold the Indemnified
Parties harmless from and against any claims brought by third parties
arising out of your use of the information accessed from this site.

Trademarks

Trademarks, service marks, and logos appearing in this site are the
property of Company or the party that provided the trademarks, service
marks, and logos to Company. Company and any party that provided
trademarks, service marks, and logos to Company retain all rights with
respect to any of their respective trademarks, service marks, and logos
appearing in this site.

Information You Provide

You may not post, send, submit, publish, or transmit in connection with
this site any material that: