Restrictions On Use
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.
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 our Company operations.
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 our 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 our 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 our 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
our 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 our Company HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF our 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 $100 OR THE AMOUNT YOU HAVE PAID TO our Company FOR THE APPLICABLE CONTENT, PRODUCT OR SERVICE OUT OF WHICH LIABILITY AROSE.
Trademarks, service marks, and logos appearing in this site are the property of our Company or the party that provided the trademarks, service marks, and logos to our Company. our Company and any party that provided trademarks, service marks, and logos to our 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
Any passwords used for this site are for individual use only. You will be responsible for the security of your password (if any). our Company will be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that our Company considers insecure, our Company will be entitled to require the password to be changed and/or terminate your account.
BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS our Company FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY our Company DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER our Company OR LAW ENFORCEMENT AUTHORITIES.
the State of Victoria, Australia, notwithstanding any principles of conflicts
of law. You specifically consent to personal jurisdiction in Michigan in connection
each agree that the exclusive venue for any dispute between the parties arising
of Use will be in the state and federal courts in Franklin County, Michigan.
will be deemed severable and will not affect the validity and enforceability
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
from all the people who use our Internet services (the Services). Those who
visit our site and may access some our Services without having accounts with
us (Visitors) as well as those who purchase Products and pay a fee to subscribe
to our Services (Members). It also sets out what we do with the information
we collect and the choices Visitors and Members have concerning the collection
Our company collects information in different ways from Visitors and Members who access the various parts of our Services on this or related web sites. We use this information mainly to provide a personalized experience as you use our Products and Services and generally do not share this information with third parties.
However, we may disclose personal information collected, if we have received your prior permission, or in very special circumstances as when we believe disclosure is required by law and in the special cases described below.
Members may be asked to provide certain personal information when they sign up for our Products and Services including name, address, telephone number, billing information, (such as credit card number), and the type of personal computer being used to access the Services. Personal information collected from Members during the registration process is used to manage each Member’s account (such as for billing purposes.) This information is not shared with third parties, except as specifically stated or in special circumstances.
However in instances where our company and a partner jointly promote our Services, we may provide the partner some personal information like the name, address and user name of the persons who subscribed who subscribed to the Services as a result of the joint promotion solely for the purpose of allowing us and the partner to asses the results of the promotion.
In this case, personal information may not be used by the partner for any other purpose. We may also generate general non-identifying profiles from personal information our Members provide during registration, (like total number, but not the names of Members). As explained below, we would use this information to sell advertisements which may appear in the Services.
Some Products and Services may be offered to Visitors and Members in conjunction with an affiliate, independent contract seller or non-affiliated partner. To provide Visitors and Members with some of these Products and Services, the partner may need to collect and maintain personal information. In such cases, you will be notified before any of your data is collected or transferred, giving you the choice of consent and allowing you to decide whether to use that particular feature or service.
If you order Products or Services from our company we will use the personal information you provide only to process the order. We do not share this information with outside parties except to the extent necessary to complete the order.
Our company may display online advertisements. In those cases we share general non-identifying profile information about our Visitors and Members collected during the registration process as well as through online surveys and promotions with these advertisers.
In some cases, we use this general non-identifying profile information to deliver specific advertisements and for joint ventures. As an example, an advertiser or joint venture company tells us the audience they want to reach and provides us an advertisement tailored to the audience. Based upon the general non-identifying profile information we have collected, we may then display or send the information to the intended people. Our company does not share personal information of Visitors and Members with these advertisers or joint venture partners.
Responses to Email Inquiries
When Visitors or Members send email inquiries to our company, the return email address is used to answer the email inquiry we receive. Our company does not use the return email address we receive for any other purpose and does not share the return email address with anyone else.
Voluntary Customer Surveys
We may periodically conduct both business and individual customer surveys. We encourage our customers to participate in these surveys because they provide us with important information which helps us to improve the types of products and services we offer and how we provide them to you for your benefit. Your personal information and responses will remain strictly confidential, even if the survey is conducted by a third party. Participation in customer surveys is voluntary.
We may take the information we receive from people responding to our surveys and combine it with the responses of other customers we have to prepare broader, general responses to the survey questions (such as age, gender, residence, hobbies, education, employment, industry and other demographic information). We then use this information to improve the quality of the Services and Products we provide to you and to develop new products and services. This general non-identifying profile information may be shared with third parties.
It is our company’s policy not to use or share the personal information we collect about Visitors and Members in ways unrelated to the ones described above without also providing you the prior opportunity to opt out and prohibit such unrelated disclosures.
However we may disclose information about Visitors or Members, or information concerning your use of the Services and Products or Websites accessible through the use of our Services or Products for any reason, if in our sole discretion we feel it is reasonable to do so (as permitted by law were applicable) such as to credit agencies, collection agencies, law enforcement, to protect the interests of our Company and Members, or as required by law.
A “cookie” is a small data file that can be placed on your hard drive when you visit certain web sites.
Our company may use “cookies” to collect, store and track data for statistical purposes to improve the products and services we provide and to manage our networks.
Our Company’s policy towards child privacy
The privacy of children is important to all of us. To ensure compliance with any applicable children privacy laws we restrict our Web site to people 18 years of age or over.
You must be eighteen (18) years of age or over to access this web site. If you are under eighteen (18) years of age, you are not permitted to access this web site for any reason. Due to the age restrictions, we do not monitor this web site for compliance with any applicable children privacy laws.
Our Company’s Commitment To Data Security
Services and Websites we sponsor have security measures in place to protect the loss, misuse and alteration of data under our control. While we take all reasonably necessary steps to protect the integrity and security of our data and networks, we cannot guarantee our security measures will prevent “third party” hackers from illegally accessing our data.
Our Company reserves the right to revise, amend or modify this policy our Terms of Service Agreement and our other policies and agreements at any time and in any manner, by updating this posting.