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USER AGREEMENT
Last revised December 1, 2004



ACCEPTANCE OF TERMS THROUGH USE

By using this site, you ("User") signify your agreement to these terms and conditions, and to our Privacy Policy. You also signify that you have reviewed and agreed to our Earnings Disclaimer.

If you do not accept these Agreements please, do not use this site.

Please check these Agreements periodically for changes as the owner of this site reserves the right to revise them. Your continued use of this site following the posting of any changes to the Agreements constitutes acceptance of those changes.

This Agreement must be accepted by a person over the age of 18. If you are under the age of 18, or are accessing this site from any country where material on this site is prohibited or illegal, please leave now as you DO NOT have permission to access this site.

LICENSE TO USE THIS SITE

Upon your acceptance of this Agreement, the owner of this site hereby grants you a non-exclusive, non-transferable limited license to use this site in strict accordance with the terms and conditions in this Agreement. You agree not to make any false or fraudulent statements in your use of this site, or to gain access to this site. You acknowledge and agree that all content and services available on this site are the property of the site owner and its advertisers and licensors, and are protected by moral rights, copyrights, trademarks, service marks, or patents, and other proprietary rights and laws, in the United States and internationally. All rights not expressly granted herein are fully reserved by the site owner, its advertisers and licensors.

LICENSE RESTRICTIONS

Except as may be explicitly permitted through this site, you agree not to save, download, cut and paste, sell, license, rent, lease, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from the materials, code or content on or from this site. Systematic retrieval of data or other content from this site to create or compile, directly or indirectly, a collection, compilation, database or directory without written permission from the site owner is prohibited. In addition, use of the content or materials found on this site for any purpose not expressly permitted in this Agreement is prohibited.

INTERNATIONAL USERS

Accessing this site, and the services, products or contents available on this site, from places outside the U.S. or where their contents are illegal, is prohibited. Anyone accessing this website does so knowingly and voluntarily, and at their own risk. The user or viewer is solely responsible for compliance with their local laws.

None of the information on this site may be downloaded, exported or re-exported into Iran, Iraq, Syria, Libya, Sudan, Cuba, North Korea, the Yugoslav Republic (Serbia and Montenegro), Rwanda, Nigeria or any other country with restrictions imposed by the U.S. Government. By using this site, you agree that you are not a citizen of or a resident in any of these countries. You also agree that you will not provide the information on this site, or any site to which this site links, to citizens or residents of any country with restrictions imposed by the U.S. government.

You agree that you shall comply with all applicable export and import control laws and regulations in your use of this site, or materials or services received through this site, and, in particular, you shall not export or re-export anything on or received through this site in violation of local or foreign export laws and/or without all required U.S. and foreign government licenses.

TRADEMARKS

The names, materials, services or products referenced on this site are common law or registered trade marks or service marks of of the site owner, or of third parties whose materials are being advertised on this site.

THIRD PARTY SITES

You may be transferred to online merchants or other third party websites through links or frames from this site. You are cautioned to read such sites' Terms and Conditions and/or Privacy Policies before using such sites in order to be aware of the terms and conditions of your use of such sites. These other sites are not under the control of the the owner of this site, and are not monitored or reviewed by the owner of this site on an ongoing basis. Thus, these other sites may contain material of which the owner of this site is unaware, and for which he assumes no responsibility.

You acknowledge that the owner of this site is not responsible for the accuracy, legality, copyright compliance, decency, or any other aspect of the contents or any transmissions received through third party sites. The inclusion of such a link or frame does not imply endorsement of this site by the Site Owner, its advertisers or licensors, nor any association with its operators and is provided solely for your convenience. In some cases, the owner of this site may be an "affiliate" or "associate" of the third party site you are linked to, in which case the owner of this site may receive a commission on any products you buy. You agree that the owner of this site and its licensors have no liability whatsoever from such third party sites and your usage of them, nor for any products or services you may buy from third parties, either directly or through affiliate links.

DISCLAIMER OF WARRANTIES

The site owner, its advertisers and licensors make no representations or warranties whatsoever about this site, nor about the suitability of the information contained on or received through use of this site, or any services or products received or learned about through this site.

Use of this site, and the information contained herein is provided "as is" without warranty of any kind.

The site owner hereby disclaims all warranties with regard to this site, the information contained on or received through use of this site and any services or products received through this site, including all expess, statutory, and implied warranties of merchantability, fitness for a particular purpose, title and non-infringement.

The site owner does not warrant that the contents or any information received through this site are accurate, reliable or correct; that this site will be available at any particular time or location; that any defects or errors will be corrected; or that the contents or any information received through this site is free of viruses or other harmful components.

Your use of this site is solely at your risk. User agrees that it has relied on no warranties, representations or statements other than in this agreement. Because some jurisdictions do not permit the exclusion of certain warranties, these exclusions may not apply to you but shall apply to the maximum extent permitted by law of your jurisdiction.

LIMITATION OF LIABILITY

Under no circumstances shall the site owner, advertisers and/or its licensors be liable for any direct, indirect, punitive, incidental, special, or consequential damages that result from, or arise out of the use of, or inability to use, this site, the information contained on or received through use of this site, or any services or products received through this site. This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if the site owner, advertisers and/or its licensors have been advised of the possibility of such damage. Because some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, the site owner, advertisers and/or its respective licensors' liability in such jurisdictions shall be limited to the maximum extent permitted by law of your jurisdiction.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless the Site Owner, its advertisers, licensors, subsidiaries and other affiliated companies, and their employees, contractors, officers, agents and directors from all liabilities, claims, and expenses, including attorney's fees, that arise from your use of this site, or any services, information or products from this site, or any violation of this Agreement. The Site Owner reserves the right, at it own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you shall cooperate with the Site Owner in asserting any available defenses.

LEGAL COMPLIANCE

The Site Owner may suspend or terminate this Agreement or User's use immediately upon receipt of any notice which alleges that User has used this site for any purpose that violates any local, state, federal or law of other nations, including but not limited to the posting of information that may violate third party rights, that may defame a third party, that may be obscene or pornographic, that may harass or assault others, that may violate hacking or other criminal regulations, etc of its agents, officers, directors, contractors or employees. In such event, the Site Owner may disclose the User's identity and contact information, if requested by a government or law enforcement body or as a result of a subpoena or other legal action, and Company shall not be liable for damages or results thereof and User agrees not to bring any action or claim against the Site Owner for such disclosure.

CHOICE OF LAW AND FORUM

This site (excluding third party linked sites) is controlled by the Site Owner from its offices within the State of Florida, United States of America. It can be accessed from all 50 states as well as from other countries around the world to the extent permitted by site. As each of these places has laws that may differ from those of the State of Florida, by accessing this site, both you and the Site Owner agree that the statues and laws of the State of Florida shall apply to any actions or claims arising out of or in relation to this Agreement or your use of this site, without regard to conflicts of laws. You and the Site Owner also agree and hereby submit to the filing of any claim only in the exclusive personal jurisdiction and venue of Florida and any legal proceedings shall be conducted in English. The Site Owner makes no representation that materials on this website are appropriate or available for use in other locations, and accessing them from territories where their contents are illegal is prohibited. This Agreement shall not be governed by the United Nations Convention on Contracts for the Sale of Goods.

CLAIMS OR REPRESENTATIONS

Every effort has been made to accurately represent products and services, and their potential for profitability. However, no representation is made, nor is there any guarantee or warranty, that you will make money using the techniques, ideas, or materials referenced herein, or on third party sites to which you may be linked or referred. There is no promise or guarantee of earnings. The earning potential of a given idea or product depends largely upon the person using the product, ideas, or techniques. Nothing on this site, nor the sites it links or refers to, is intended to be presented as a "get rich quick" scheme.

Any forward-looking statements made on this site or any site it links or refers to should be construed as the opinion of the person making that statement. As such, these statements are of expectations. Even if such statements are made based upon the performance of one individual, another individual employing the same technique or method may have an entirely different result. In ANY case, past performance is NO guarantee of future results. The Owner of this site cannot be expected to be responsible for YOUR actions.

This Agreement incorporates by reference the Site Submission Rules if this site allows posting and posts such Rules. This Agreement constitutes the entire agreement between the parties related to the subject matter thereof, and supersedes any prior or contemporaneous (oral, written or electronic) agreement between the parties and shall not be changed except by the Site Owner

If any provision of this Agreement is prohibited by law or held to be unenforceable, the remaining provisions hereof shall not be affected, and this Agreement as much as possible under applicable law shall continue in full force and effect as if such unenforceable provision had never constituted a part hereof and the unenforceable provision shall be automatically amended so as to best accomplish the objectives of such unenforceable provision within the limits of applicable law. User shall not assign or transfer this Agreement and any such transfer shall be void.

The Site Owner reserves the right to revise this entire Agreement at his discretion. You should review this document regularly in order to remain in compliance, and also review our Earnings Disclaimer and also our Privacy Policy.

Last revised December 1, 2004