Terms and Conditions

Pursuant to U.S. State & Federal Laws the following is a statement of
your legal rights.

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 CONSTITUTES YOUR ACKNOWLEDGMENT AND ACCEPTANCE OF
THE CHANGES.  PLEASE CONSULT THESE TERMS OF USE REGULARLY.

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 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 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

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 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 relevant
to your goals.

YOUR USE OF THIS SITE IS AT YOUR OWN RISK.

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 Your State, United States of America, notwithstanding any
principles of conflicts of law. You specifically consent to personal
jurisdiction in Your State 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 these 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 Blount County
Alabama.  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.
 
I accept the terms and conditions as laid
out in the Terms & Conditions.