STANDARD TERMS AND CONDITIONS OF MEMBERSHIP

You must read and agree to these Terms and Conditions before you can join. Please read them carefully. By purchasing a Membership to the site, you become a Subscriber and agree to be bound by these Terms and Conditions (the "Agreement"). This agreement is subject to change by (hereinafter "Company") at any time, and changes are effective without notice upon each Subscriber.

All client billing information is kept under strict confidence.

DEFINITIONS

The term "site", as referred to in these Terms and Conditions shall mean the Internet site for which you are purchasing a user name and password (login) from Company in order to access that site and enjoy its contents and benefits of Membership.

The term "Member" or "Membership", as referred to in the Terms and Conditions shall mean -The holder (Subscriber) of a valid user name and password (login) for the site during the term of Membership.

The term "Subscriber", as referred to in the Terms and Conditions shall mean - The End-user, Consumer, of the services of the site and holder of a valid user name and password (login) for the site.

The term "Login", as referred to in the Terms and Conditions shall mean - The combination of unique user name and password that is sold by Company and used to access the site. A Login is a license to use the site for a period of time.

The term "Bookmarking", as referred to in the Terms and Conditions shall mean - The act of placing a Web page (URL) into a temporary file on the Subscribers browser so that the Subscriber may return to that page at a future date directly, without passing through any preceding pages.

ELECTRONIC RECEIPT

Subscribers will be given, via email, electronic receipts and/or access to billing records that support charges for use of the site.

SUBSCRIPTION FEES

Free Subscriptions: If you signed up for a One Day Free Subscription, you hereby agree that the Company may immediately authorize your credit card (or other approved facility) in the amount equal to the then-current monthly rate. If you wish to cancel your One Day Free Subscription, you must do so within twenty four (24) hours of signing up. If you do not cancel within the twenty four (24) hour period, you are agreeing to continue as a regular subscriber upon the terms and conditions for regular subscriptions set forth herein, and you authorize Company to charge your credit card (or other approved facility) at the then-current monthly rate on a monthly basis until you request termination of your subscription according to the terms hereof. To cancel your One Day Free Subscription please go to the help section of the site and use the online form provided.

Trial Subscriptions: If you purchase a trial subscription, you hereby agree that the Company may immediately authorize your credit card (or other approved facility) in the amount equal to the then-current monthly rate. Company will only charge that amount to your credit card (or other approved facility) if you elect not to terminate your trial subscription prior to becoming a regular subscriber. If you purchase a trial subscription, and decide to terminate your trial subscription, you must do so AT LEAST one (1) day prior to the end of the Trial Period and you will not be charged any further. If you do not cancel at least one (1) day prior to the end of the Trial Period, you are agreeing to continue as a regular subscriber upon the terms and conditions for regular subscriptions set forth herein, and you authorize Company to charge your credit card (or other approved facility) at the then-current monthly rate on a monthly basis until you request termination of your subscription according to the terms hereof.

Regular Subscriptions: If you purchase a regular subscription, or if you do not cancel your Trial subscription at least one (1) day prior to the end of the trial period, you authorize Company and/or Company to charge your credit card (or other approved facility) for periodic subscription fees according to the then-current billing terms for the Service. You are responsible for paying periodic subscription fees according to the then-current billing terms. Subscription fees are earned upon receipt and are non-refundable whether or not termination is at your request. For your convenience and satisfaction, all memberships will automatically renew upon expiration unless your subscription is cancelled AT LEAST three (3) days prior to expiration. Subscription rates are subject to change at any time without notice. You are liable for any subscription charges incurred by you up to and until termination of the Service.

NON-ASSIGNABILITY/THEFT OF LOGIN

Your Membership, user name and password (login) may not be assigned or transferred to any other person or entity. Subscriber must promptly inform Company or the site of any apparent breach of security, such as loss, theft, or unauthorized disclosure or use of a user name or password. Until Company or the site is notified, by e-mail, or by telephone of any breach in security, the Subscriber will remain liable for any unauthorized use of the Service.

TERMINATION/CANCELLATION

Subscription to the Service may be terminated at any time, and without cause, by Company, the site or the Subscriber upon notification of the other by electronic or conventional mail, or by telephone or fax. When a member requests termination, subscription fees are NOT refunded. Subscribers are liable for charges incurred by them until termination of service.

LICENSE

Memberships to the site are provided for personal, non- commercial use by customers of the site. As customers, visitors to the site hereby granted a single copy license to download (on a single computer only) or print copies of any of the information found on the site for personal, non-commercial use only. Commercial use of the site, or any material located on it, is strictly prohibited. In addition, you may not modify any of the materials found on the site; use them for any public display, performance, sale or rental; remove, modify or alter any copyright or other proprietary notice, or trademarks therefrom; or transfer any material located on the site to any other person.

Company and the site reserve the right to terminate this license at any time if you breach the terms of this agreement, in which case you will be obligated to immediately destroy any information downloaded, printed or otherwise copied from the site. Access to and use of the site is through a combination of a user name and a password (login). Each Subscriber must keep his or her login strictly confidential. For security reasons, Company will not release passwords for any reason, to anyone other than the Subscriber, except as may be specifically required by law or court order. Unauthorized access to the site is a breach of this Agreement and a violation of law.

BOOKMARKING

Bookmarking to a page on the site whereby the Warning page(s) and/or Terms and Conditions are by-passed shall constitute an implicit acceptance of the Terms and Conditions herein and an explicit acknowledgement of age of majority.

DISCLAIMERS

The materials on the site are provided "as is" without any express or implied warranty of any kind including warranties of merchantability, non-infringement of intellectual property or fitness for a particular purpose. Company offers no assurance of uninterrupted or error free service. Company does not warrant the accuracy or completeness of the information, text, graphics, links or other items contained on the site. any of the information offered on the site may change at any time without notice.

Company makes no representation as to any of the information found at the site. in no event shall Company be liable for any damages whatsoever (including, without limitation, damages for loss of profits, business interruption, loss of information) arising out of the use or inability to use the material or information available on the site, even if Company has been advised of such damages.

Subscribers are responsible for providing all personal computer and communications equipment necessary to gain access to the site.

All materials on the site are copyrighted and are protected under treaty provisions and worldwide copyright laws. The site¹s materials may not be reproduced, copied, edited, published, transmitted or uploaded in any way without written permission. Except as expressly stated in the limited license provision of these Terms and Conditions, purchase of a Membership does not grant any express or implied right to you under any of its trademarks, copyrights or other proprietary information.

If the site enables Subscribers to share information with other Subscribers, Subscribers agree not to submit, publish, or display on the Service any defamatory, inaccurate, abusive, threatening, racially offensive, or illegal material. Transmission of such material that violates any federal, state, or local law, is prohibited and is a breach of this Agreement. Subscribers agree not to engage in advertising to, or solicitation of other Subscribers to buy or sell any products or services through the site without prior written consent. Subscribers are responsible for information they send, or display through the site even if a claim should arise after termination of service. All messages shall be deemed to be readily accessible to the general public. Do not use the site for any communication for which the sender intends only the sender and the intended recipient(s) to read. Notice is hereby given that all messages entered into this site can and may be read by the operators of the site, whether or not they are the intended recipient(s).

The Subscriber hereby warrants and represents that he or she is over the age of 18, and in all respects is qualified and competent to enter into this agreement.

ADDITIONAL TERMS AND CONDITIONS

In addition to these Terms and Conditions, the site may have additional Terms and Conditions that are an integral part of this Agreement. All Terms and Conditions apply to Company, the site, and you.