Web Site Terms of Service and Conditions of Use

1. Terms

By accessing this web site, you are agreeing to be bound by these web site Terms of Service and Conditions of Use, (hereinafter called TOS) all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law. All persons and/or entities accessing this website are collectively referred to herein as "visitors," and individually and collectively agree to be bound by these TOS.

We collect information from online visitors who ask to be on our newsletter mailing list and/or receive periodic email announcements. Anyone who wishes can choose to be removed from our mailing list at any time.

ALL PERSONS UNDER THE AGE OF 13 ARE DENIED ACCESS TO THIS WEBSITE.  IF YOU ARE UNDER 13 YEARS OF AGE, IT IS UNLAWFUL FOR YOU TO VISIT, READ, OR INTERACT WITH THIS WEBSITE OR ITS CONTENTS IN ANY MANNER.  THIS WEBSITE SPECIFICALLY DENIES ACCESS TO ANY INDIVIDUAL THAT IS COVERED BY THE CHILD ONLINE PRIVACY ACT (COPA) OF 1998 AND REVISIONS THERETO.

Children's Privacy

We do not knowingly collect personal information from children under the age of 13. If we learn that we have personal information on a child under the age of 13, we will delete that information from our systems. This website encourages parents to go online with their kids. Here are a few tips to help make a child's online experience safer:

~ Teach kids never to give personal information, unless supervised by a parent or responsible adult.
~ This includes name, address, phone, school, etc.
~ Know the sites your kids are visiting and which sites are appropriate.
~ Look for Web site privacy policies.
~ Know how your child's information is treated.

Check out the FTC's site (http://www.ftc.gov/bcp/conline/edcams/kidzprivacy/index.html) for more tips on protecting children's privacy online.

2. Use License
a.    Except for content which specifically grants rights to the contrary, permission is granted to temporarily download one copy of the materials (information or software) on this web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
i.    modify or copy the materials;
ii.    use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
iii.    attempt to decompile or reverse engineer any software contained on this web site;
iv.    remove any copyright or other proprietary notations from the materials; or
v.    transfer the materials to another person or "mirror" the materials on any other server.
b.    This license shall automatically terminate if you violate any of these restrictions and may be terminated by this website at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

3. Disclaimer
The materials on this web site are provided "as is". The website and its owners and/or operators, herein referred to as "Website, makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Downloads from this site are at this your own risk.  Website makes no warranty that downloads are free of corrupting computer codes, including, but not limited to, viruses and worms. Further, this website does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

4. Submissions
As a condition of viewing, visitors agree that any and all communication between visitor and Website is deemed a submission and that any of the content of the submission, including portions thereof including graphics shall become the property of the Website and may be used, without further permission, for commercial use without additional consideration of any kind to use in any manner as it sees fit. Visitors acknowledge and agree that this condition is also a provision of the Privacy Policy for this website.

5. Limitations
In no event shall this website or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on this website, even if this website or an authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

6. Revisions and Errata
The materials appearing on this website could include technical, typographical, or photographic errors. This website does not warrant that any of the materials on its web site are accurate, complete, or current. this website may make changes to the materials contained on its web site at any time without notice. This website does not, however, make any commitment to update the materials.

7. Legal Disclaimer
EVERY EFFORT HAS BEEN MADE TO ACCURATELY REPRESENT ANY PRODUCT ON THIS WEBSITE AND IT'S POTENTIAL. YOUR LEVEL OF SUCCESS IN ATTAINING THE RESULTS CLAIMED IN OUR MATERIALS DEPENDS ON THE TIME YOU DEVOTE TO THE PRODUCT, IDEAS AND TECHNIQUES MENTIONED, YOUR FINANCES, KNOWLEDGE AND VARIOUS SKILLS.  SINCE THESE FACTORS DIFFER ACCORDING TO INDIVIDUALS, WE CANNOT GUARANTEE YOUR SUCCESS OR INCOME LEVEL.  NOR ARE WE RESPONSIBLE FOR ANY OF YOUR ACTIONS.

8. Links
This website has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by this website of the site. Use of any such linked web site is at the user's own risk.

9. Site Terms of Use Modifications
This website may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

10. Governing Law
Any claim relating to this website shall be governed by the laws of the State of Michigan without regard to its conflict of law provisions. 


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