Terms Of Use

WARNING:
This page is boring to read. It contains tons of legalese that says
I’ll do the right thing, you do the right thing and we’ll all live
happily ever after. Read on if you must.

Terms of Use & Service
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 CONSTITUES YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF THE
CHANGES. PLEASE CONSULT THESE TERMS OF USE REGULARLY.

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 provided 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)
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 material 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 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
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.

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.

Submissions
You hereby grant 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 “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 with its Privacy Policy as set forth on this
site.

Disclaimer
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 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 TEHCNICAL 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 MAKE NO WARRANTIES THAT YOUR
USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES
NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMMISSIONS 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 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 $100.00 OR THE AMOUNT YOU HAVE PAID TO
COMPANY FOR THE APPLICABLE CONTENT, PRODUCT OR SERVICE OUT OF WHICH
LIABILITY AROSE.

Indemnity
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,
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
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 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
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
on 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;
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.

Security
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 investigate suspected violations of these Terms
of Use.

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 email messages, or publishing or
otherwise making available any materials that are believed to violate
these Terms 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 INVESTIGATIONS BY EITHER [COMPANY] OR LAW ENFORCEMENT
AUTHORITIES.

Miscellaneous
These Terms of Use will be governed and interpreted pursuant to the
laws of Pennsylvania, United States of America, notwithstanding any
principles of conflicts of law. You specifically, consent to personal
jurisdiction in Pennsylvania in connection with any dispute between you
and Company arising out of these Terms of Use or pertaining to the
subject matter hereof. The parties to the Terms of Use each agree that
the exclusive venue for any dispute between the 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 Mechanicsville,
Pennsylvania. 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
this posting.