TERMS OF USE
THESE TERMS OF USE GOVERN YOUR USE OF THIS SITE, WHICH IS PROVIDED BY CORRECT CRAFT, INC. ("CORRECT CRAFT"). BY ACCESSING THIS SITE, YOU ACKNOWLEDGE AND ACCEPT THESE TERMS OF USE. THESE TERMS OF USE ARE SUBJECT TO CHANGE BY CORRECT CRAFT AT ANY TIME IN ITS DISCRETION. PLEASE CONSULT THESE TERMS OF USE REGULARLY.

Access To This Site
To access this website (the "site") and or any of the resources contained on this site, 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 Correct Craft believes the information you provide is not correct, current, or complete, Correct Craft has the right to refuse you access to this site or any of its resources, and to terminate or suspend your access at any time. As a visitor to this site, you are referred to in these Terms of Use as "you."

Restrictions On Use
You may use this site only for purposes expressly permitted by this site. You may not use this site for any other purpose, including any commercial purpose, without Correct Craft's express prior written consent. For example, you may not (and may not authorize any other party to) (i) cobrand 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 Correct Craft. For purposes of these Terms of Use, "cobranding" 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 Correct Craft in causing any unauthorized co-branding, framing or hyper-linking immediately to cease.

Proprietary Information
The material and content accessible from this site, and any other web site owned, operated, licensed, or controlled by Correct Craft the “Content” is the proprietary information of Correct Craft or the party that provided the Content to Correct Craft, and Correct Craft or the party that provided the Content to Correct Craft 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 Correct Craft 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 Correct Craft'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 that are not maintained by, or related to, Correct Craft. Hyper-links to such sites are provided as a service to users and are not sponsored by or affiliated with this site or Correct Craft. Correct Craft, 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 Correct Craft 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 Correct Craft of that site.

Submissions
You hereby grant to Correct Craft a royalty-free, perpetual, irrevocable, worldwide, nonexclusive 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 Correct Craft through this site (together, the "Submission"), and Correct Craft shall have the right, without payment to you, to incorporate any Submission in other works in any form, media, or technology now known or later developed. Correct Craft 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 Correct Craft will not incur any liability as a result of any similarities that may appear in future Correct Craft operations, marketing or advertising.

Disclaimer
You understand that Correct Craft cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of viruses or other code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures 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. Correct Craft does not assume any responsibility or risk for your use of the Internet or this site.

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 Correct Craft. 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 EXPRESS OR IMPLIED. CORRECT CRAFT DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. CORRECT CRAFT 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. CORRECT CRAFT 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 TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS, AND CORRECT CRAFT MAY MAKE CHANGES OR IMPROVEMENTS AT ANY TIME. YOU 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. CORRECT CRAFT MAKES NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS OR OMISSIONS IN SUCH CONTENT.

Limitation On Liability
CORRECT CRAFT, 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 WHICH MAY RESULT FROM THE USE OF THIS SITE, EVEN IF CORRECT CRAFT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES

Changes to Website and Terms of Use
Correct Craft reserves the right to make changes to this site and these Terms of Use at any time. Any changes to these Terms of Use shall be effective immediately upon posting to this site.

Indemnity
You agree to will indemnify the Indemnified Parties against any and hold Correct Craft, its subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (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 attorneys' 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 Correct Craft or the party that provided the trademarks, service marks, and logos to Correct Craft. Correct Craft and any party that provided trademarks, service marks, and logos to Correct Craft 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 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 any 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 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.

Correct Craft 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 Correct Craft nor any third party that provides Content to Correct Craft will assume or have any liability for any action or inaction by Correct Craft. 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). Correct Craft will be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that Correct Craft considers insecure, Correct Craft will be entitled to require the password to be changed and/or terminate your account. Correct Craft shall not have any obligation to monitor your password.

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, Correct Craft reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents.

Correct Craft reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing Correct Craft to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms of Use. BY ACCESSING THIS SITE YOU WAIVE AND HOLD HARMLESS CORRECT CRAFT FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY CORRECT CRAFT DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER CORRECT CRAFT OR LAW ENFORCEMENT AUTHORITIES.

Miscellaneous
This site is created at the direction of and controlled by Correct Craft in the State of Florida, U.S.A. These Terms of Use will be governed and interpreted pursuant to the laws of Florida, United States of America, notwithstanding any principles of conflicts of law. You specifically consent to the jurisdiction of Florida courts and federal courts located in Florida in connection with any dispute between you and Correct Craft arising out of these Terms of Use or pertaining to your use of the site. You also agree that the exclusive venue for any dispute arising out of these Terms of Use or pertaining to the subject matter of these Terms of Use shall be Orange County, Florida. 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.

Last updated: October 2010.

© 2009 Correct Craft, Inc.