Terms of Use & Service

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 PRIOR TO EVERY USE FOR ANY CHANGES.
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 CHILDREN’S ONLINE PRIVACY PROTECTION ACT (COPPA) 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.
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 is” 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.
Limitation On Liability
COMPANY, 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, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY
OF SUCH DAMAGES. IN NO EVENT WILL THE COLLECTIVE LIABILITY OF COMPANY
AND ITS SUBSIDIARIES, AFFILIATES, LICENSORS, SERVICE PROVIDERS, CONTENT
PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS, TO ANY PARTY
(REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR
OTHERWISE) EXCEED THE GREATER OF $100 OR THE AMOUNT YOU HAVE PAID TO
COMPANY FOR THE APPLICABLE CONTENT, PRODUCT OR SERVICE OUT OF WHICH
LIABILITY AROSE.
Indemnity
You will indemnify and hold Company, its subsidiaries, affiliates, licensors, content
providers, service providers, employees, agents, officers, directors, and
contractors (hereinafter known as 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 attorney’s 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
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’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, 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 Use.
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
Michigan, United States of America, notwithstanding any principles of conflicts of
law. You specifically consent to personal jurisdiction in Michigan 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 Shelby Twp, Michigan. 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.