THESE TERMS OF USE & 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 THE TOS. THE TOS IS 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 REGULARLY.

I. Restrictions on Use:
You may use this site only for the 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. Your use of this site constitutes your acknowledgement and acceptance of the terms of this agreement.

II. 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 copyrighted, and all rights reserved. Text, graphics, databases, HTML code, and other intellectual property are protected by United States and International copyright laws, and they may not be copied, reprinted, published, re-engineered, translated, hosted, or otherwise distributed by any means without our Company's express prior written consent, 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. Neither title nor intellectual property rights are transferred to you by access to this site. Our Company grants you a non-exclusive, non-transferable license to use database(s) of links to articles and resources accessible to you on our site subject to these TOS. The database(s) may be used only for viewing information or for extracting information to the extent described in these TOS. You agree to use information obtained from our Company database(s) only for your own private use or the internal purposes of your home or business, provided that is not the selling or brokering of information, or on an occasional limited basis download or print out individual pages of information that have been individually selected to meet a specific, identifiable need as indicated by our Company on a confidential basis. You may make such limited number of duplicates of any output, both in machine-readable or hard copy form, as may be reasonable for these purposes only. Nothing herein shall authorize you to create any database, directory, or hard copy publication of or from the databases, whether for internal or external distribution or use.

III. Confidentiality of Codes, Passwords, and Information:
You agree to treat as strictly private and confidential any subscriber code, username, user ID, or password that you may have received from our Company and all information to which you have access through password-protected areas of our Company’s websites, and further agree that you will not cause or permit any such information to be communicated, copied or otherwise divulged to any other person whatsoever.

IV. 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.

V. 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"). 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 our Company Privacy Policy as set forth on this site.

Furthermore, 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;
• 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, or 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;
• 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 TOS, 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 the Company nor any third party that provides content to the Company will assume or have any liability for any action or inaction by Company or such third party with respect to any submission.

The Company reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing the 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 TOS.

VI. Disclaimer:
The materials in this site are provided “as is” and without warranties of any kind, either expressed or implied. 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.

Under no circumstances, shall our Company be liable for any special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if our Company or an authorized representative of our Company has been advised of the possibility of such damages. Such circumstances include, but not limited to:

• use of (or inability to use) the site;
• use of (or inability to use) any site to which you hyperlink from our site;
• use of (or inability to use) offered informational programs;
• failure of our site to perform in the manner you expected or desired;
• error, defect or omission on our site;
• interruption of availability of our site;
• delay in operation or transmission of our site.

Facts and information on this website are believed to be accurate at the time they were placed on the website. Changes may be made at any time without prior notice. All data provided on this website are to be used for informational purposes only. The information contained on this website and pages within is not intended to provide specific legal, financial or tax advice, or any other advice, whatsoever, for any individual or company, and should not be relied upon in that regard. Information provided in this website is not all-inclusive and is limited to information that is made available to our Company, and such information should not be relied upon as all-inclusive or accurate.

We make no attempt to woo the unsuspecting buyer with outlandish money back guaranties. Our products and/or services speak for themselves. To truly stand behind one's products means that you believe, beyond a shadow of a doubt, that the information contained in them is immensely valuable, and we do. However, we will gladly replace any defective product, such as a CD, audios, books or ebook within 8 days from the date of purchase. No refunds once merchandise is received by email or mail.

VII. Limitation of 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 the Company for the applicable content, product, or service out of which liability arose.

VIII. Indemnity:
You will indemnify and hold the 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 TOS by you, including any use of content other than as expressly authorized in these TOS. 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.

IX. Termination:
These TOS are effective until terminated by either party. You may terminate this agreement at any time by destroying all materials obtained from any and all of our Company site(s) and all related documentation and all copies and installations thereof, whether made under the terms of this agreement or otherwise. This agreement will terminate immediately without notice at our Company’s sole discretion, should you fail to comply with any term or provision of this agreement. Upon termination, you must destroy all materials obtained from this site and any and all other Company site(s) and all copies thereof, whether made under the terms of this agreement or otherwise. In addition, by providing material on our website, we do not in any way promise that the materials will remain available to you; and our Company is entitled to terminate all, or any part of any of its website(s) without notice to you

X. Jurisdiction and Other Points of Consideration:
If any matter concerning this purchase shall be brought before a court of law, pre- or post-arbitration, viewer, visitor, member, subscriber or customer agrees to that the sole and proper jurisdiction to be the state and city declared in the contact information of the web owner unless otherwise here specified. Place for adding city county and state. In the event that litigation is in a federal court, the proper court shall be the closest federal court to the seller's address.

Applicable law

Viewer, visitor, member, subscriber or customer agrees that the applicable law to be applied shall, in all cases, be that of the state of the seller.

Contact information