Terms of Service
© Renaissance Publishing Inc.   All Rights Reserved
®
         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.  
               
    CLAIMS OR REPRESENTATIONS

    EVERY EFFORT HAS BEEN MADE TO ACCURATELY REPRESENT OUR PRODUCTS AND THEIR POTENTIAL.
    EVEN THOUGH THIS INDUSTRY IS ONE OF THE FEW WHERE ONE CAN WRITE THEIR OWN CHECK IN TERMS
    OF EARNINGS, THERE IS NO GUARANTEE THAT YOU WILL EARN ANY MONEY OR SAVE ANY MONEY USING
    THE TECHNIQUES AND IDEAS IN THESE MATERIALS. EXAMPLES IN THESE MATERIALS ARE NOT TO BE
    INTERPRETED AS A PROMISE OR GUARANTEE OF EARNINGS OR SAVINGS. EARNING POTENTIAL AND
    SAVING POTENTIAL IS ENTIRELY DEPENDENT ON THE PERSON USING OUR PRODUCTS, IDEAS AND
    TECHNIQUES. WE DO NOT PURPORT THIS AS A “GET RICH SCHEME.”

    ANY CLAIMS MADE OF ACTUAL EARNINGS OR ACTUAL SAVINGS, OR EXAMPLES OF ACTUAL RESULTS CAN
    BE VERIFIED UPON REQUEST. YOUR LEVEL OF SUCCESS IN ATTAINING THE RESULTS CLAIMED IN OUR
    MATERIALS DEPENDS ON THE TIME YOU DEVOTE TO THE PROGRAMS, IDEAS AND TECHNIQUES
    MENTIONED, YOUR FINANCES, KNOWLEDGE AND VARIOUS SKILLS. SINCE THESE FACTORS DIFFER
    ACCORDING TO INDIVIDUALS, WE CANNOT GUARANTEE YOUR SUCCESS, YOUR SAVINGS, OR YOUR
    INCOME LEVEL, NOR ARE WE RESPONSIBLE FOR ANY OF YOUR ACTIONS.

    MATERIALS IN OUR PRODUCTS AND OUR WEBSITES MAY CONTAIN INFORMATION THAT INCLUDES OR IS
    BASED UPON FORWARD-LOOKING STATEMENTS WITHIN THE MEANING OF THE SECURITIES LITIGATION
    REFORM ACT OF 1995. FORWARD-LOOKING STATEMENTS GIVE OUR EXPECTATIONS OR FORECASTS OF
    FUTURE EVENTS. YOU CAN IDENTIFY THESE STATEMENTS BY THE FACT THAT THEY DO NOT RELATE
    STRICTLY TO HISTORICAL OR CURRENT FACTS. THEY USE WORDS SUCH AS “ANTICIPATE,” “ESTIMATE,”
    “EXPECT,” “PROJECT,” “INTEND,” “PLAN,” “BELIEVE,” AND OTHER WORDS AND TERMS OF SIMILAR
    MEANING IN CONNECTION WITH A DESCRIPTION OF POTENTIAL EARNINGS, POTENTIAL SAVINGS OR
    FINANCIAL PERFORMANCE.

    ANY AND ALL FORWARD LOOKING STATEMENTS HERE OR ON ANY OF OUR SALES MATERIAL ARE
    INTENDED TO EXPRESS OUR OPINION OF EARNINGS POTENTIAL OR SAVINGS POTENTIAL. MANY FACTORS
    WILL BE IMPORTANT IN DETERMINING YOUR ACTUAL RESULTS AND NO GUARANTEES ARE MADE THAT
    YOU WILL ACHIEVE RESULTS SIMILAR TO OURS OR ANYBODY ELSES, IN FACT NO GUARANTEES ARE
    MADE THAT YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS AND TECHNIQUES IN OUR MATERIAL.


    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, our Company.  Hyper-links to such sites are provided as a
         service to users and are not 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
         
    You hereby grant to our Company the royalty-free, perpetual, irrevocable,
         worldwide, non-exclusive 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 our Company through this site
         (together, hereinafter known as the "Submission"), and to incorporate any
         Submission in other works in any form, media, or technology now known or
         later developed.  Our Company 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 will
         not incur any liability as a result of any similarities that may appear in
         future Company operations.
         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.  The Content is provided ;as
         i; and without warranties of any kind, either expressed or implied.  Our
         Company disclaims all warranties, including any implied warranties of
         merchantability, fitness for a particular purpose, TITLE, OR
         NON-INFRINGEMENT.  Our Company 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.  Our Company
         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 Company may make changes or improvements at any time.  You, and not
         our Company, 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.  Our COMPANY 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.
         All of the information in this site, whether historical in nature or
         forward-looking, speaks only as of the date the information is posted on
         this site, and Company does not undertake any obligation to update such
         information after it is posted or to remove such information from this
         site if it is not, or is no longer, accurate or complete.
         

    Trademarks
         
    Trademarks, service marks, and logos appearing in this site are the
         property of Company or the party that provided the trademarks, service
         marks, and logos to Company.  Company and any party that provided
         trademarks, service marks, and logos to Company 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 obscene, pornographic, 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 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, worms and/or Trojan
         horses 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.
         Although under no obligation to do so, our Company 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
         Company nor any third party that provides Content to Company will assume
         or have any liability for any action or inaction by Company 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).  Company will be
         entitled to monitor your password and, at its discretion, require you to
         change it.  If you use a password that Company considers insecure, Company
         will be entitled to require the password to be changed and/or terminate
         your account.
         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, Company reserves the right to release
         your details to system administrators at other sites in order to assist
         them in resolving security incidents.  Company reserves the right to
         investigate suspected violations of these Terms of Use.
         Company reserves the right to fully cooperate with any law enforcement
         authorities or court order requesting or directing Company 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
         

         
    Miscellaneous
         
    These Terms of Use will be governed and interpreted pursuant to the laws
         of Arkansas, United States of America, notwithstanding any principles of
         conflicts of law.  You specifically consent to personal jurisdiction in
         Virginia 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 Hot Springs, Arkansas.  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.

    Access To This Site  

    YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS WEB SITE. IF YOU
    ARE UNDER EIGHTEEN YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS THIS WEB
    SITE FOR ANY REASON.  DUE TO THE AGE RESTRICTIONS FOR USE OF THIS WEB
    SITE, NO INFORMATION OBTAINED BY THIS WEB SITE, FALLS WITHIN THE CHILD
    ONLINE PRIVACY ACT (COPA) AND IS NOT MONITORED AS DOING SO.
    To access this site or some of the resources it has to offer, 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 our Company
    believes the information you provide is not correct, current, or complete,
    we have the right to refuse you access to this site or any of its
    resources, and to terminate or suspend your access at any time, without
    notice.

    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.
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