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terms of use



Usage of this website (the "Site") is subject to the following terms and conditions:


1. Ownership and License Rights.

This Site and all materials displayed or made available on it are protected by copyright by either the owners of the Site and/or its third-party content providers.  This Site is for your personal, non-commercial use only, under a license by the owners of the Site with no transfer of title.  You may not use any of the materials available from this Site on any other website or networked computer environment.  You may not remove any copyright or other legal notices from any materials downloaded from this Site.

2. No Warranty or Liability.

The Site and its owners, parents, subsidiaries, affiliates, partners, officers, directors, employees and independent contractors (the "Site Entities") make no representations regarding the information and materials provided on this Site and disclaim all warranties, express or implied, in connection with the Site and your use thereof. All information, software, products, services and links to other websites are provided "as is" without warranty of any kind, including implied warranties of merchantability, fitness for a particular purpose and non-infingement. In no event shall the Site Entities be liable for any direct, indirect, punitive, incidental, special or consequential damages arising out of or connected in any way with the use of, or inability to use, any material on this Site, even if such parties have been advised of the possibility of such damages. In addition, Site Entities do not make any warranties or representations about the accuracy or completeness of the Site's content or the content of any sites linked to the Site, and assumes no liability or responsibility for any (a) errors, mistakes, or inaccuracies of content; (b) personal injury or property damage, of any nature whatsoever, resulting from your access to and use of the Site; (c) any unauthorized access to or use of the secure servers and/or any and all personal information and/or financial information stored therein; (d) any interruption or cessation of transmission to or from the Site; (e) any bugs, viruses, trojan horses, or the like which may be transmitted to or through the Site by any third party; and/or (e) any errors or omissions in any content or for any loss or damage of any kind incurred as a result of the use of any content posted, e-mailed, transmitted, or otherwise made available via the Site. Site Entities do not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the Site or any hyperlinked website or featured in any advertising and Site Entities will not be a party to or in any way be responsible for monitoring any transaction between you and third-party providers of products or services.

3. Submission Policy

By providing information or written articles on or through the Site or directly to the Site's owners, representatives, and/or employees for display on the Site (each, a "Submission"), regardless of whether or not each such Submission is displayed, you are granting the owners of the Site a royalty-free, perpetual, exclusive, worldwide license to use, copy, adapt, transmit, publicly perform, display or distribute the Submission and otherwise exploit any and all proprietary rights in the Submission, including, without limitation, any applicable copyright, trademark, service mark or patent rights under relevant jurisdiction.

4. Acceptance.

Your continued use of this Site constitutes your acceptance of these terms and conditions of use and waiver of liability on the part of the Site Entities.