Disclaimer

The Information presented in this web site is believed to be accurate - however the creators of this site make no guarantees as to the accuracy or correctness of any information included within.
PODIUM NOTES is an online database. Your access and use of the Web site is subject to your compliance with the terms and conditions set forth below, including all exhibits hereto. Please examine this document carefully before accessing or using the Web site. By accessing or using the Web site, you agree to be legally bound by the terms and conditions set forth below. You may not access or use the Web site should you not want to be bound by these terms and conditions.
This Agreement may be modified at any time, and any such modification shall be effective immediately upon posting of the modified agreement. By your access and use of the Web site you agree to periodically review this Agreement and shall be conclusively bound by any such future modifications.

1. Copyright, Licenses and Idea Submissions. The entire contents of the Web site are copyrighted under the United States copyright laws. PODIUM NOTES is the exclusive owner of the copyright. You may print and download portions of the materials solely for your non-commercial use. Reproduction of any content from PODIUM NOTES websites is prohibited without express written permission of PODIUM NOTES. Any other copying, redistribution, publication or retransmission of any portion of Web site material, is strictly prohibited without the express written permission of PODIUM NOTES . You agree not to change or delete any proprietary notices from any materials downloaded from the Web site. You further agree to grant to PODIUM NOTES, a non-exclusive, royalty-free, worldwide, perpetual license, with the right to sublicense, to reproduce, transmit, distribute, create any derivative works of, publicly use or display any materials or other information (including, but not limited to, ideas, concepts or techniques for new or improved services and products) you publish to the Web site by any means or by any media now known or hereafter developed. You further agree that any such communication you make to the Web site (whether information, feedback, data, questions, comments, suggestions or the like) shall be deemed not to be confidential. By your acceptance of these Terms and Conditions you also grant to PODIUM NOTES the right to use your name in connection with the submitted materials and other information as well as in connection with any and all advertising, marketing and promotional material related thereto. You further agree and acknowledge that you shall have no recourse against PODIUM NOTES for any alleged or actual infringement or misappropriation of any proprietary right in your publications or communications to us.

2. Policies of Operation. Pursuant to your access and use of the Web site you hereby agree to fully comply with the Policies of Operation set forth in Exhibit 1 below. Said Policies are the rules that govern your use of, and your activity in connection with the Web site. PODIUM NOTES has the right to amend Exhibit 1 from time to time as it deems appropriate. PODIUM NOTES has the further right to prohibit or remove any materials or communications, which PODIUM NOTES believes in its sole discretion to be in violation of the Policies of Operation.

3. Disclaimer. You understand that, except for information, products or services clearly identified as being supplied by PODIUM NOTES, PODIUM NOTES does not operate, control or endorse any information, products or services on this Web site in any way. You also understand that PODIUM NOTES cannot and does not guarantee or warrant that files or software of any kind, or from any source, available for downloading through the Web site, will be free of infection or viruses, worms, Trojan Horses or other code or defects that 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 the Web site for the reconstruction of lost data. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE WEB SITE AND ANY SERVICES CONTAINED THEREIN. THIS WEB SITE IS PROVIDED ON AN " AS IS " BASIS WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR TITLE. PODIUM NOTES ASSUMES NO RESPONSIBILITY FOR ERRORS OR OMISSIONS IN THIS WEB SITE OR ANY OTHER WEB SITE WHICH MAY BE REFERENCED OR LINKED TO THIS WEB SITE. REFERENCES TO CORPORATIONS, THEIR SERVICES OR PRODUCTS ARE PROVIDED "AS IS "WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. IN NO EVENT SHALL PODIUM NOTES BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF DAMAGE, OR UNDER ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE, COMMUNICATION OR TRANSMISSION OF THIS INFORMATION. THE INFORMATION INCLUDED IN THIS WEB SITE COULD INCLUDE TECHNICAL OR OTHER INACCURACIES OR TYPOGRAPHICAL ERRORS. AMENDMENTS ARE PERIODICALLY MADE TO THE INFORMATION CONTAINED HEREIN; THESE AMENDMENTS WILL BE INCORPORATED INTO THE WEB SITE. PODIUM NOTES MAY MAKE IMPROVEMENTS AND/OR SAID AMENDMENTS TO THE WEB SITE AT ANY TIME. ANY AND ALL PORTIONS OF THIS DISCLAIMER SHALL AUTOMATICALLY APPLY TO ALL IMPROVEMENTS AND/OR AMENDMENTS AS THEY APPEAR ON THE WEB SITE. IT IS SOLELY YOUR RESPONSIBILITY TO EVALUATE THE ACCURACY, COMPLETENESS AND USEFULNESS OF ALL OPINIONS, ADVICE, SERVICES, MERCHANDISE AND OTHER INFORMATION PROVIDED THROUGH THE WEB SITE. PODIUM NOTES DOES NOT WARRANT THAT THE WEB SITE WILL BE UNINTERRUPTED OR ERROR FREE OR THAT DEFECTS IN THE WEB SITE WILL BE CORRECTED.

If you are dissatisfied with Web site or with any terms, conditions, rules, policies, guidelines or practices of PODIUM NOTES in operating the Web site your sole remedy is to discontinue using the Web site.

EXHIBIT 1

The additional legal terms and conditions stated below, as well as the legal terms and conditions above, apply to forums, discussion groups, bulletin boards and any other interactive area of the Web site. Use of, access to, or participation in any of these or any other interactive areas of the Web site constitutes acceptance of these legal terms and conditions. Your participation in on-line communications occurs in real time and is not edited, censored, or otherwise controlled by PODIUM NOTES. PODIUM NOTES cannot and does not screen all content provided by users of the Web site. Notwithstanding the foregoing, PODIUM NOTES reserves the right to monitor content on the Web site and to remove content which PODIUM NOTES in its sole discretion, determines to be harmful, offensive, or otherwise in violation of these policies of operation. In order to maintain an informative and valuable service that meets the needs of the users of the Web site and avoids the harm that can result from the dissemination of statements that are false, malicious, violate of the rights of others, or otherwise harmful, it is necessary to establish the following rules to protect against abuse:

While using the Web site you may not:

(A) post or transmit any message anonymously or under a false name;
(B) post or transmit any unlawful, threatening, abusive, libelous, defamatory, obscene, pornographic, profane or otherwise objectionable information of any kind, including without limitation any transmission constituting or encouraging conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any local, state, national or international law. It is not PODIUM NOTES intent to discourage you from taking controversial positions or expressing vigorously what may be unpopular views or opinions; PODIUM NOTES does, however, reserve the right to take such action as it deems appropriate in instances where the Web site is used to disseminate statements which are deeply and widely offensive and/or harmful in nature;
(C) post or transmit any message which discloses private or personal matters concerning any person;
(D) post or transmit any information, file or software that contains a virus, cancelbolt, worm, Trojan Horse or any other contaminating or destructive features;
(E) post or transmit any message, data, image or program that would violate the property rights of others, including unauthorized copyrighted text, images or programs, trade secrets or other confidential proprietary information, and trademarks or service marks used in an infringing fashion;
(F) interfere, in any way, with other users of the Web site;
(G) post or transmit charity requests, petitions for signatures, chain letters or letters relating to pyramid schemes.
(H) post, list or transmit articles, which are off topic according to the description of the group affected.