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PLEASE READ THE FOLLOWING TERMS AND CONDITIONS RELATING TO YOUR USE OF THIS SITE CAREFULLY. BY USING THIS SITE, YOU ARE DEEMED TO HAVE AGREED TO THESE TERMS AND CONDITIONS OF USE AND THE TERMS AND CONDITIONS OF OUR PRIVACY POLICY, WHICH IS INCORPORATED HEREIN BY REFERENCE. WE RESERVE THE RIGHT TO MODIFY THEM AT ANY TIME. YOU SHOULD CHECK THESE TERMS AND CONDITIONS PERIODICALLY FOR CHANGES. BY USING THIS SITE AFTER WE POST ANY CHANGES TO THESE TERMS AND CONDITIONS, YOU AGREE TO ACCEPT THOSE CHANGES, WHETHER OR NOT YOU HAVE REVIEWED THEM. IF AT ANY TIME YOU CHOOSE NOT TO ACCEPT THESE TERMS AND CONDITIONS OF USE, PLEASE DO NOT USE THIS SITE.

This policy applies to your use of all of the sites and services owned or operated by K. Russo Associates Inc. and any other site that we may own or operate currently or in the future (collectively, the "K. Russo Associates Inc. Sites"). Unless we say otherwise, all references to the K. Russo Associates Inc. Sites in this policy include all such sites. This policy does not apply to sites to which you may link to through any K. Russo Associates Inc. site.

LICENSE
We grant you a personal, non-exclusive, non-transferable license to access K. Russo Associates Inc. and sites and the information contained within. The information may not be distributed, modified, reproduced, or transmitted in whole or in part without our written permission, except you may make a limited number of copies from K. Russo Associates Inc. sites for your own personal, noncommercial use. You may make a very limited number of hard copies of any search output for your personal use only. You may not sell, rent, lease, lend, or transfer any services provided on K. Russo Associates Inc. sites and you may not assign or sublicense this license.

K. RUSSO ASSOCIATES INC. SERVICES
K. Russo Associates Inc. sites contains various types of information authored either by K. Russo Associates Inc. or third parties. AS THE USER OF THIS SITE, YOU ASSUME FULL RISK FOR ANY AND ALL USE OF THIS SITE, INCLUDING THE INFORMATION PRESENTED ON THE SITE. K. RUSSO ASSOCIATES INC. SITES ARE INTENDED TO BE A GENERAL INFORMATION RESOURCE ONLY. YOU AGREE TO HOLD K. RUSSO ASSOCIATES INC. HARMLESS FROM ANY CLAIMS RELATING TO YOUR USE OF, OR ERRORS IN INFORMATION FOUND ON THIS SITE IN EXCHANGE FOR YOUR USE OF THE SITE.

TERMINATION
You understand that K. Russo Associates Inc. may in its sole discretion terminate your ability to use K. Russo Associates Inc. sites if you violate the terms of this Agreement or any other statement incorporated by reference.

DISCLAIMER
K. RUSSO ASSOCIATES INC. IS PROVIDING THIS SITE AND ITS CONTENTS ON AN "AS IS" BASIS AND MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WITH RESPECT TO THIS SITE, ITS CONTENTS OR ANY OF THE PRODUCTS OFFERED THEREON. K. RUSSO ASSOCIATES INC. DISCLAIMS ALL SUCH REPRESENTATIONS AND WARRANTIES, INCLUDING, THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. IN ADDITION, K. RUSSO ASSOCIATES INC. DOES NOT REPRESENT OR WARRANT THAT THE SITE OR INFORMATION ACCESSIBLE VIA THIS SITE IS ACCURATE, WILL BE UNINTERRUPTED, ERROR-FREE, COMPLETE OR CURRENT. K. RUSSO ASSOCIATES INC. ASSUMES NO RESPONSIBILITY FOR ERRORS OR OMISSIONS IN THIS PUBLICATION OR OTHER DOCUMENTS WHICH ARE REFERENCED BY OR LINKED TO THIS PUBLICATION. REFERENCES TO CORPORATIONS, THEIR SERVICES AND/OR PRODUCTS ARE ALSO PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED. PRODUCTS AND SERVICES ARE USED AT YOUR OWN RISK. PRICE AND AVAILABILITY IS SUBJECT TO CHANGE WITHOUT NOTICE.

COPYRIGHT
All web site design, text, graphics, the selection and arrangement thereof, Copyright © 2006, K. Russo Associates Inc.SM ALL RIGHTS RESERVED. The contents of this site are protected by copyright and trademark laws, and are the property of K. Russo Associates Inc. and any other owners. You may access the materials located within the K. Russo Associates Inc. Sites only for your personal use. This means you may download one copy of posted materials on a single computer for personal, noncommercial home use only, so long as you neither change nor delete any author attribution, trademark, legend or copyright notice. When you download copyrighted material you do not obtain any ownership rights in that material. Any other use of materials on this web site, including reproduction for purposes other than those noted above, modification, distribution, or republication, without the prior written permission of K. Russo Associates Inc. is strictly prohibited. You may seek our permission by writing to K. Russo Associates Inc. If permission is granted by us and by all other entities with an interest in the relevant intellectual property, you may not change or delete any author attribution, trademark, legend or copyright notice.

Other more restrictive disclaimers and limitations on use of certain information on this site may be noted elsewhere. In the event of a contradiction regarding this and other disclaimers, the more restrictive disclaimers shall apply.

LIMITATION OF LIABILITY
K. Russo Associates Inc. services are used at your own risk. K. Russo Associates Inc. will not be liable for any harm to you or others resulting from the use of our Services. Under no circumstances will K. Russo Associates Inc. or any of its affiliated companies or any of its or their respective licensors or suppliers be liable for damages of any kind, including, but not limited to compensatory, direct, indirect or consequential damages, personal injury, wrongful death, emotional distress, loss of data, income or profit, loss of or damage to property and claims of third parties, even if we have been advised of the possibility of such damages, whether under theory of contract, tort (including negligence), strict liability, or otherwise.

LAWFUL USE
You may use our services for lawful purposes only. You may not use our services to post, transmit or otherwise distribute unlawful material such as threats of physical harm, defamatory statements, pornographic material, and copyrighted, trademarked, and other proprietary material used without proper authorization. You may not attempt to use or distribute tools designed for compromising security or take action to compromise the security of this site. You are responsible for all use of our services and K. Russo Associates Inc. com with your Password and Screen Name, with or without your consent, by yourself and others.

FORCE MAJURE
We are not liable for any failure or delay in our performance due to any cause beyond our reasonable control, including the act or war, acts of God, earthquake, flood, embargo, riot, sabotage, labor shortage or dispute, governmental act or failure of the Internet.

ASSIGNMENT
We may assign our rights and delegate our duties under this Agreement either in whole or in part at any time, at our sole discretion, and without your consent. You may not assign or otherwise transfer your rights or obligations, in whole or in part, under this Agreement to anyone else.

MISCELLANEOUS
These terms will be governed by and construed in accordance with the laws of the State of Connecticut, without regard to any principles of conflicts of law. You agree that any action at law or in equity that arises out of or relates to these terms will be filed only in the state or federal courts located in Fairfield County, Connecticut, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. If any of these terms and conditions are found unlawful, void, or for any reason unenforceable, then that provision will be considered severable from the remaining terms and conditions, and will not affect the validity and enforceability of the remaining provisions. This is the entire agreement between you and K. Russo Associates Inc. relating to the subject matter it contains. This agreement may be modified only by our posting of changes to these terms and conditions.