TERMS & CONDITIONS
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
discretion. your use of this site after such changes are implemented constitutes your
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) hyperlink 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 hyperlinking immediately to cease.
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
Neither title nor intellectual property rights are transferred to you by access to this site.
This site may be hyperlinked to other sites which are not maintained by, or related to, our
Company. Hyperlinks 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. Hyperlinks 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 hyperlinks or the sites hyperlinked to this site. Further, the
inclusion of any hyperlink 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 Company operations.
Our Company will treat any personal information that you submit through this site in accordance
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 $100 OR THE AMOUNT YOU
HAVE PAID TO COMPANY FOR THE APPLICABLE CONTENT, PRODUCT OR
SERVICE OUT OF WHICH LIABILITY AROSE.
You will indemnify and hold Company, its subsidiaries, affiliates, licensors, content providers,
service providers, employees, agents, officers, directors, and contractors (hereinafter known as
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, 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
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;
s 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
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 hyperlinks to other sites that contain content that falls within the descriptions set
Although under no obligation to do so, our Company reserves the right to monitor use of this site
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.
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
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
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.
States of America, notwithstanding any principles of conflicts of law. You specifically consent to
personal jurisdiction in California in connection with any dispute between you and Company
unenforceable, that part will be deemed severable and will not affect the validity and
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
Your privacy is very important to us. We want to make your experience on the Internet as
enjoyable and rewarding as possible, and we want you to use the Internet’s vast array of
information, tools, and opportunities with complete confidence.
of our Internet services (the “Services”)-those who access some of our Services but do not have
accounts (“Visitors”) as well as those who may purchase Products and/or pay a monthly service
fee to subscribe to the Service (“Members”)-what we do with the information we collect, and the
choices Visitors and Members have concerning the collection and use of such information. We
Personal Information Our Company Collects and How It Is
Our company collects information in different ways from Visitors and Members who access the
various parts of our Services and the network of Web sites accessible through our Service. We
use this information primarily to provide a customized 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 permission beforehand or in
very special circumstances, such as when we believe that such disclosure is required by law or
other special cases described below.
Members may be asked to provide certain personal information when they sign up for our
Products or Services including name, address, telephone number, billing information (such as a
credit card number), and the type of personal computer being used to access the Services. The
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, unless specifically stated otherwise or in special circumstances.
However, in instances where our company and a partner jointly promote our Services, we may
provide the partner certain personal information, such as the name, address, and username of
persons who subscribed to the Services as a result of the joint promotion for the sole purpose of
allowing us and the partner to assess the results of the promotion.
In this instance, personal information may not be used by the partner for any other purpose. We
may also generate non-identifying and aggregate profiles from personal information Members
provide during registration (such as the total number, but not the names, of Members). As
explained in more detail below, we may use this aggregated and non-identifying information to
sell advertisements that appear on the Services.
Our Company Partners and Sponsors:
Some products and services may be offered to Visitors and Members in conjunction with an
affiliate, independent contractor seller or non-affiliated partner. To provide Visitors and
Members some of these products and services, the partner may need to collect and maintain
personal information. In these instances, you will be notified before any such data is collected or
transferred and may decide not to use that particular service or feature.
Additionally, our partners may have advertisements or co-branded Web Pages that are
cosponsored by an affiliate, independent contractor seller, or non-affiliated partner. Our company
may share non-identifying and aggregate information (except as described above), but not
personal information, with such partners in order to administer the co-branded products or
Our company may display our online advertisements. In those cases we share aggregated and
non-identifying information about our Visitors and Members collected through the registration
process as well as through online surveys and promotions with these advertisers.
Additionally, in some instances, we use this aggregated and non-identifying information to
deliver tailored advertisements or joint ventures. For instance, 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 aggregated and non-identifying information we have collected, we
may then display or send the advertisement to the intended audience. Our company does not
share personal information about its Visitors or Members with these advertisers or joint venture
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 for
any other purpose and does not share the return email address with any third party.
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 that
helps us to improve the types of products and services we offer and how we provide them to you.
Your personal information and responses will remain strictly confidential, even if the survey is
conducted by a third party. Participation in our customer surveys is voluntary.
We may take the information we receive from individuals responding to our Customer Surveys
and combine (or aggregate) it with the responses of other customers we may have to create
broader, generic responses to the survey questions (such as gender, age, residence, hobbies,
education, employment, industry sector, or other demographic information). We then use the
aggregated information to improve the quality of our services to you and to develop new services
and products. This aggregated, non-personally identifying information may be shared with third
It is our company’s policy not to use or share the personal information about Visitors of
Members in ways unrelated to the ones described above without also providing you an
opportunity to opt out or otherwise prohibit such unrelated uses.
However, we may disclose personal information about Visitors or Members or information
regarding your use of the Services or Web sites accessible through our Services, for any reason
if, in our sole discretion, we believe that it is reasonable to do so, including: credit agencies;
collection agencies; merchant database agencies; law enforcement, or to satisfy laws, such as the
Electronic Communications Privacy Act, the Child Online Privacy Act, regulations, or
governmental or legal requests for such information; to disclose information that is necessary to
identify, contact, or bring legal action against someone who may be violating our Acceptable
Use Policy or Terms Of Service, or other user policies; to operate the Services properly; or to
protect our company and our Members.
“Cookies” and How Our Company Uses Them:
A “cookie” is a small data file that can be placed on your hard drive when you visit certain Web
statistical purposes to improve the products and services we provide and to manage our
If you are a Visitor or Member we may use a cookie to save your settings and to provide
customizable and personalized services. These cookies do not enable third parties to access any
of your customer information. Additionally, be aware that if you visit other Web sites where you
are prompted to log in or that are customizable, you may be required to accept cookies.
Advertisers and partners may also use their own cookies. We do not control use of these cookies
and expressly disclaim responsibility for information collected through them.
Our Company Commitment to Children’s Privacy:
Protecting children’s privacy is especially important to us. It is our policy to comply with the
Children’s Online Privacy Protection Act of 1998 and all other applicable laws. Therefore we
restrict our Web site to persons eighteen years or older.
At some Web sites, you can purchase products and services or register to receive materials, such
as a newsletter, catalog or new product and service updates. In many cases, you may be asked to
provide contact information, such as your name, address, email address, phone number, and
credit/debit card information.
If you complete an order for someone else, such as an online gift order sent directly to a
recipient, you may be asked to provide information about the recipient, such as the recipient’s
name, address, and phone number. Our company has no control over the third parties’ use of any
personal information you provide when placing such an order. Please exercise care when doing
If you order services or products directly from our company we will use the personal information
you provide only to process that order. We do not share this information with outside parties
except to the extent necessary to complete that order.
YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS WEB SITE. IF
YOU ARE UNDER TWENTY ONE 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
Please remember that any information you may disclose in any Member Directory or other
public areas of our Web sites or the Internet becomes public information. You should exercise
caution when deciding to disclose personal information in these public areas.
Our Company’s Commitment to Data Security:
Services and Web sites we sponsor have security measures in place to protect the loss, misuse,
and alteration of the information under our control. While we make every effort to ensure the
integrity and security of our network and systems, we cannot guarantee that our security
measures will prevent third-party “hackers” from illegally obtaining this information.
contact us through the contact information provided on this Web site.
Revisions to This Policy:
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
SHIPPING: We ship all items usually within 1 business day of an order placement once the
funds have cleared in our account. If there is a general delay happening on our end it will be
clearly stated on our website. We ship through USPS, and packages can be tracked through their
website. Orders over $300 will automatically be shipped via priority mail with a signature
requirement unless otherwise specified. Orders under $300 will be shipped via first class, with no
signature required. Overnight shipping is not an option on the website, but we can accommodate
for this over the phone if need be. We can add or remove a signature requirement to packages
LOST PACKAGES: If a package gets lost in transit (very rare, though it does happen) we will
absolutely re-ship the order. If the tracking information, however, says the package was
‘delivered,’ then this means USPS successfully delivered the package to the given address and
our job has been effectively accomplished. If it says delivered, yet it’s lost anyway, we ask that
you check with housemates or family to see if they received the package without telling the
intended customer. This scenario happens fairly often. Wind storms can also cause the package
to roll over into a bush or off a front porch. USPS will not mark an order as delivered if it hasn’t
been, so please look carefully.
PACKAGE SENT TO WRONG ADDRESS: If a package is sent to the wrong address, and the
order was placed online by a customer than the customer is responsible for the cost of re-
shipping the item. We will re-ship the order once the original package has returned to us. So
please, when ordering, make sure your shipping address is 100% accurate, as making any
mistake could significantly delay the delivery. When placing an order over the phone, we will
read back your shipping address (and other ordering information) and double check that it is
100% correct every time.