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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 PRIOR TO EVERY USE FOR ANY
CHANGES.
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 CHILDREN'S ONLINE PRIVACY PROTECTION ACT (COPPA) 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.
Legal Notice
While attempts have been made to verify the correctness and
reliability of the information provided in the publication, the author
and publisher do not assume any responsibilities for errors, omissions,
or contradictory information contained in this document. The author and
publisher are not liable for any losses or damages whatsoever,
including but not limited to loss of business, profits, service,
clients, information, search ranks or any other pecuniary loss. The
information contained in the document is not intended as advice, legal,
medical, financial or otherwise, and provided for educational purposes
only. You are highly encouraged to seek the advice of a competent
professional when applicable. The reader of this site assumes all
responsibility and liability for the use of these materials and
information. We,
or any partners, affiliates, or associates thereof assume no
responsibility or liability whatsoever on behalf of the reader of these
materials.
Additional Notice and Disclaimers
And results depicted or implied in the document or lesson
are atypical of most results. No guarantees, promises or suggestions of
any results are made, whether implied or stated. Individual results may
vary from those shown, and everything herein is provided on an "at your
own risk" basis.
While the author has done his earnest best to make sure you
enjoy this report and lesson, certain grammatical and typographical
errors may still exist. Any such error, or any perceived slight of a
specific person or organization, is purely unintentional. Wherever the
neuter is not used, any one gender was chosen for simplicity's sake.
This document was created with the hope that the reader finds its
content useful and not analyzed for the purposes of gender equality,
language correctness or writing style.
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 $20 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:
you do not have the right to post, including proprietary material of any third party;
advocates illegal activity or discusses an intent to commit an illegal act;
is vulgar, obscene, pornographic, or indecent;
does not pertain directly to this site;
threatens or abuses others, libels, defames, invades privacy,
stalks, is obscene, pornographic, racist, abusive, harassing,
threatening or offensive;
seeks to exploit or harm children by exposing them to inappropriate
content, asking for personally identifiable details or otherwise;
infringes any intellectual property or other right of any entity or
person, including violating anyone's copyrights or trademarks or their
rights of publicity;
violates any law or may be considered to violate any law;
impersonates or misrepresents your connection to any other entity
or person or otherwise manipulates headers or identifiers to disguise
the origin of the content;
advertises any commercial endeavor (e.g., offering for sale
products or services) or otherwise engages in any commercial activity
(e.g., conducting raffles or contests, displaying sponsorship banners,
and/or soliciting goods or services) except as may be specifically
authorized on this site;
solicits funds, advertisers or sponsors;
includes programs which contain viruses, worms and/or Trojan horses
or any other computer code, files or programs designed to interrupt,
destroy or limit the functionality of any computer software or hardware
or telecommunications;
disrupts the normal flow of dialogue, causes a screen to scroll
faster than other users are able to type, or otherwise act in a way
which affects the ability of other people to engage in real time
activities via this site;
includes MP3 format files;
amounts to a 'pyramid' or similar scheme;
disobeys any policy or regulations established from time to time
regarding use of this site or any networks connected to this site; or
contains hyper-links to other sites that contain content that falls within the descriptions set forth above.
Although under no obligation to do so, our Company reserves the right
to monitor use of this site to determine compliance with these Terms of
Use, as well the right to remove or refuse any information for any
reason. Notwithstanding these rights, you remain solely responsible for
the content of your submissions. You acknowledge and agree that neither
Company nor any third party that provides Content to Company will
assume or have any liability for any action or inaction by Company or
such third party with respect to any submission.
Security
Any passwords used for this site are for individual use
only. You will be responsible for the security of your password (if
any). Company will be entitled to monitor your password and, at its
discretion, require you to change it. If you use a password that
Company considers insecure, Company will be entitled to require the
password to be changed and/or terminate your account.
You are prohibited from using any services or facilities
provided in connection with this site to compromise security or tamper
with system resources and/or accounts. The use or distribution of tools
designed for compromising security (e.g., password guessing programs,
cracking tools or network probing tools) is strictly prohibited. If you
become involved in any violation of system security, Company reserves
the right to release your details to system administrators at other
sites in order to assist them in resolving security incidents. Company
reserves the right to investigate suspected violations of these Terms
of Use.
Company reserves the right to fully cooperate with any law
enforcement authorities or court order requesting or directing Company
to disclose the identity of anyone posting any e-mail messages, or
publishing or otherwise making available any materials that are
believed to violate these Terms of Use.
BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS COMPANY FROM
ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY COMPANY DURING OR AS A
RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A
CONSEQUENCE OF INVESTIGATIONS BY EITHER [COMPANY] OR LAW ENFORCEMENT
AUTHORITIES.
Miscellaneous
These Terms of Use will be governed and interpreted pursuant
to the laws of North Carolina and Buncombe County, United States of
America, notwithstanding any principles of conflicts of law. You
specifically consent to personal jurisdiction in North Carolina in
connection with any dispute between you and Company arising out of
these Terms of Use or pertaining to the subject matter hereof. The
parties to these Terms of Use each agree that the exclusive venue for
any dispute between the parties arising out of these Terms of Use or
pertaining to the subject matter of these Terms of Use will be in the
state and federal courts in North Carolina and Buncombe County. If any
part of these Terms of Use is unlawful, void or unenforceable, that
part will be deemed severable and will not affect the validity and
enforceability of any remaining provisions. These Terms of Use
constitute the entire agreement among the parties relating to this
subject matter. Notwithstanding the foregoing, any additional terms and
conditions on this site will govern the items to which they pertain.
Company may revise these Terms of Use at any time by updating this
posting.
Last updated: January 1, 2010
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