Terms and 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 THESE TERMS OF

USE. THESE TERMS OF USE ARE 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 PRIOR TO EVERY USE

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,

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 Companies 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 (ii) hyper-link 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 hyper-linking immediately to cease.

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 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 or 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 expressly provided in these Terms of Use violates our

Company’s intellectual property rights. Neither title nor intellectual property

rights are transferred to you by access to this site.

The 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 or 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 know 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 will treat any personal information that you submit through this

site in according with its Privacy policy as set forth on this site.

You understand that our Company cannot and does not guarantee or warrant

that riles 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

YOUR USE OF THIS SITE IS A T YOUR OWN RISK. THE CONTENT IS PROVIDED AS IS

AND WITHOUT WARANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. OUR

COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARANTIES

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 UNINTERRUPED 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

All of the information in this site, whether historical in nature or forward-looking,

speaks only as the data 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

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 POSSIBILTY OF

SUCH DAMAGES. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF COMPANY

AND ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SEVICE 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

You will indemnify and hold 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 Terms of Use by you, including any use of Content other than as

expressly authorized in these Terms of Use. 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, judgements,

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 any against any claims brought by third parties arising out of your

use of the information accessed from the 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

You do not have the right to post, including proprietary material of any third

Advocates illegal activity or discusses intent to commit an illegal act;

Is vulgar, obscene, pornographic, or indecent;

Does not pertain directly to this site;

Threatens of 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 any ones copyrights or trademarks or their right 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 good 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;

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 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 Terms of Use, 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 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 service of facilities provided in connection with

this site to compromise security or tamper with systems resources and/or

accounts. The user 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 investigate suspected violations of this Term of Use.

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 INVESTIAGITONS BY EITHER [COMPANY] OR LAW

ENFORCEMENT AUTHORITIES.

These terms of Use will be governed and interpreted pursuant to the laws of

Connecticut, United States of America, notwithstanding any principles of conflicts

of law. You specifically consent to personal jurisdiction in Connecticut in

connection with any dispute between you and Company arising out of these

parties arising out of these Terms of Use or pertaining to the subject matter of

these Terms of Use will be in the state and federal courts in Norwich, Connecticut.

If any part of these Terms of Use is unlawful, void or unenforceable, that part will

be deemed severable and will not affect the validity and enforceability of any

remaining provisions. These Terms of Use constitute the entire agreement

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 revise these Terms of Use at any time by updating

Last updated: January 1, 2008