Please read this agreement carefully before using the Web Site. Access to this Web Site is subject to the terms and conditions set forth below. Your use of the Web Site signifies your acceptance of this agreement.

Jeanette C. Justus Associates reserves the right in its sole discretion to modify, alter and update the programs, policies and services related to the Web Site, including the terms of this agreement and privacy policies applicable to users of and advertisers on the Web Site, at any time without notice and you agree to be bound by such modifications, alterations and updates. You further agree to review this terms of use agreement on a periodic basis to familiarize yourself with the applicable terms of use and policies pertaining to the Web Site.

Limited License. All material and information on this Web Site ("Materials") are the property of Jeanette C. Justus Associates and its content suppliers and are protected by United States copyright and other intellectual property laws. Web Site users are hereby granted a single, personal, non-transferable, non-assignable, non-exclusive license to download (on a single computer only) and print one copy of any of the Materials found on the Web Site for personal, non-commercial use only, provided that any copyright, trademark or other proprietary notices on such Materials are reproduced without alteration. ANY OTHER USE, INCLUDING ANY COMMERCIAL USE OF THE MATERIALS; ANY REPRODUCTION, MODIFICATION, DISTRIBUTION, DISPLAY, PERFORMANCE, UPLOADING, DOWNLOADING, POSTING, REPUBLICATION, DISASSEMBLY, DECOMPILATION, AND REVERSE ENGINEERING OF THE MATERIALS OR ANY PORTION THEREOF IS STRICTLY PROHIBITED. You further acknowledge and agree that apart from the limited, non-exclusive license granted in this paragraph, Jeanette C. Justus Associates grants and you own no right, title or interest in or to the Materials.

DISCLAIMER. THIS WEB SITE, THE MATERIALS AND ALL PRODUCTS AND SERVICES OFFERED ON OR THROUGH THE WEB SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" AND JEANETTE C. JUSTUS ASSOCIATES HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING THE WARRANTIES OF MERCHANTABILITY, TITLE AND FITNESS FOR A PARTICULAR PURPOSE, AND ALL SUCH WARRANTIES ARE HEREBY EXPRESSLY DISCLAIMED. JEANETTE C. JUSTUS ASSOCIATES DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED ON THE WEB SITE WILL BE UNINTERRUPTED OR FREE FROM ERRORS, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS WEB SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. LIKEWISE, JEANETTE C. JUSTUS ASSOCIATES MAKES NO REPRESENTATIONS OR WARRANTIES, AND FURTHER DISCLAIMS ANY SUCH WARRANTIES, WHETHER EXPRESS OR IMPLIED, REGARDING THE USE, INTERPRETATION OR RESULTS OF THE USE OF THE SERVICES OR MATERIALS ON THE WEB SITE IN TERMS OF THEIR CORRECTNESS, ACCURACY, TIMELINESS, RELIABILITY OR OTHERWISE.

LIMITATION OF LIABILITY. UNDER NO CIRCUMSTANCES SHALL JEANETTE C. JUSTUS ASSOCIATES BE LIABLE FOR ANY DAMAGES, INCLUDING DIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, EXEMPLARY OR OTHER DAMAGES OF ANY KIND, THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THIS WEB SITE, INCLUDING ALL MATERIALS, PRODUCTS AND SERVICES ACCESSED OR OFFERED ON OR THROUGH THE WEB SITE, EVEN IF JEANETTE C. JUSTUS ASSOCIATES HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. IF YOU ARE DISSATISFIED WITH THE MATERIALS AVAILABLE ON OR THROUGH THE WEB SITE, OR WITH ANY OF JEANETTE C. JUSTUS ASSOCIATES' TERMS AND CONDITIONS, YOUR SOLE AND EXCLUSIVE REMEDY IS TO NOT USE THE WEB SITE.

Indemnification. By accessing this Web Site, you agree to defend, indemnify and hold Jeanette C. Justus Associates and its affiliates harmless from and against any claims for damages or other expenses and liability of any form arising from or related to your use of the Web Site.

Trademarks. Jeanette C. Justus Associates and all other names, symbols, logos and marks appearing in this Web Site, except as otherwise noted, are trademarks owned or used under license by Jeanette C. Justus Associates or its affiliates in the various countries where Jeanette C. Justus Associates markets products or services bearing such trademarks. Except for the limited license to download and reproduce the Materials granted above, the use of these trademarks is strictly prohibited.

Linked Web Sites. Because another web site is linked to this Web Site does not imply that: (a) Jeanette C. Justus Associates sponsors, licenses, endorses, makes any representation or warranty with respect to, is affiliated with or is otherwise connected to such linked site, the owner or operator of such site, or the information, materials, products or services accessed or offered through or described on such site, or (b) Jeanette C. Justus Associates has authorized the linked web site to use any trademark, trade name, logo or other materials or information of any kind that is proprietary to Jeanette C. Justus Associates

Jurisdiction. This Web Site is operated by Jeanette C. Justus Associates from the State of California, United States of America. Jeanette C. Justus Associates makes no representations that the Materials in this Web Site are appropriate or available for use in other jurisdictions. If you choose to access the Web Site from locations other than California, you do so at your own risk and are responsible for compliance with any and all local laws. This agreement shall be governed by and enforced in accordance with the laws of the State of California, without regard to California's or any other jurisdiction's choice of law and like rules. Any dispute arising from or related to the Web Site or this terms of use agreement shall, at Jeanette C. Justus Assciates discretion, be litigated in the courts located in California, and you hereby submit to the personal jurisdiction of such courts and agree to make no objection to the venue or convenience of such forums. If a court of competent jurisdiction finds any part of this agreement void or unenforceable for any reason, the remainder should be enforced and the court should use its authority to amend it in order to fulfill the stated purposes of this agreement to the fullest extent permitted by law.

END OF TERMS OF USE