Terms of Use

Please read these Terms carefully before using this Website. By using  this site, you agree to be bound by the Terms set out below.

You are wholly responsible for use of this site by any person using  your terminal or point of presence and you must ensure that any such  person fully complies with these Terms.

You agree to use this site in a manner consistent with all applicable  laws and regulations.

Although we have taken reasonable care to ensure that the  information posted on this site as well as down loadable forms, audios,  videos and software is accurate, we give you no warranty of any  kind, express or implied, with regard to the accuracy, timeliness or  completeness of the information posted on this site or the outcomes of  using any of the down loadable elements of the site.

Where this site provides hypertext links to other locations on the  Internet, such links are not an endorsement by us of any  products or services in such web sites and we do not necessarily support or approve of the same. You use such links entirely  at your own risk and we accept no responsibility for the  content or use of such web sites or information contained in such web  sites.

DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY
THIS SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE”  BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND,  EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION,  CONTENT, MATERIALS, OR SERVICES INCLUDED ON THIS SITE. YOU EXPRESSLY  AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK. TO THE FULL  EXTENT PERMISSIBLE BY APPLICABLE LAW, WE DISCLAIM ALL  WARRANTIES, EXPRESSED OR IMPLIED. WE DO NOT WARRANT THAT  THIS SITE, ITS SOFTWARE, ITS SERVERS, ITS DOWN LOADABLE CONTENT OR E-MAILS  SENT FROM ANY OF ITS AFFILIATES ARE FREE OF VIRUSES OR OTHER HARMFUL  COMPONENTS. WE WILL NOT BE LIABLE FOR ANY LOSSES OF ANY KIND  ARISING FROM THE USE OF THIS SITE OR ITS SOFTWARE, INCLUDING, BUT NOT  LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL  LOSSES.

We reserve the right to make changes to this Site, these  Terms and its services at any time. If any provision of these Terms is  held to be illegal, invalid or unenforceable in whole or in part, these  Terms shall continue to be valid as to their other provisions and the  remainder of the affected provision.

Please note that this Privacy Policy may change from time to time. We  will not reduce your rights under this Privacy Policy without your  explicit consent, and we expect most such changes will be minor.  Regardless, we will post any Privacy Policy changes on this page and, if  the changes are significant, we will provide a more prominent notice  (including, for certain services, email notification of Privacy Policy  changes). Each version of this Privacy Policy will be identified at the  bottom of the page by its effective date, and we will also keep prior  versions of this Privacy Policy in an archive for your review.

If you have any additional questions or concerns about this Privacy  Policy, please feel free to contact us any time through the “Contact”  link on this web site.

Thank you!

Clinton D. Harding

Last updated: November 15, 2010