Please read these Terms of Use and the Delphi Research Group LLC (hereinafter known as the "COMPANY ") Privacy Statement carefully before using this web site.

This Web site (the "Site") is an online information service provided by the COMPANY. Please read these Terms of Use ("Terms of Use") carefully before using this Site. By using this Site, you signify your agreement with these Terms of Use. If you do not agree with any of the Terms of Use, do not use this Site. The COMPANY reserves the right, in its sole discretion, to modify, alter or otherwise update these Terms of Use at any time. Such modifications shall be effective immediately upon posting of the modified Terms of Use. By using this service after we have posted notice of such modifications, alterations or updates, you agree to be bound by the revised terms. The COMPANY retains the right to deny access to anyone at its complete discretion for any reason including for violation of any of these Terms of Use. This Site may provide links to other Web sites affiliated with the COMPANY that may have Terms of Use policies different from, or in addition to, the Terms of Use specified herein, particularly in the case of Web sites hosting third-party content or that allow postings by third parties. By accessing such Web sites through links provided on this Site, you agree to abide by each applicable Terms of Use policy as therein specified. Before using the Site, please review the COMPANY's Privacy Statement (the "Privacy Statement").

License to the Site
The COMPANY grants you a non-exclusive, non-transferable, limited right to access, use and display the Site and the materials thereon for your personal use only, provided that you comply fully with these Terms of Use. You shall not interfere or attempt to interfere with the operation of the Site in any way through any means or device including, but not limited to, spamming, hacking, uploading computer viruses or time bombs, or any other means expressly prohibited by any provision of these Terms of Use.

Changes to Site and/or Terms and Conditions of Service
The COMPANY reserves the right, at their sole discretion, to change, modify, add or remove any portion of the Site or these Terms of Use, in whole or in part, at any time. Changes to these Terms of Use will be effective when posted. You agree to review these Terms of Use periodically to be aware of any changes. Your continued use of the Site after any changes to these Terms of Use are posted will be considered acceptance of those changes.

Trademarks, Copyrights & Restrictions
All trademarks, service marks, and trade names are proprietary to Delphi Research Group LLC, except where otherwise explicitly noted. Except as otherwise provided herein, you may not reproduce, perform, create derivative works from, republish, upload, edit, post, transmit, or distribute in any way whatsoever, any materials from this Site or any other Web site owned or operated by the COMPANY (the "Site Materials") without the prior written permission of the COMPANY. Any modification of the Site Materials, or any portion thereof, or use of the Site Materials for any other purpose constitutes an infringement of the COMPANY's copyrights and other proprietary rights. Use of the Site Materials on any other Web site or other networked computer environment is prohibited without prior written permission from the COMPANY.

Linked Sites
The COMPANY is not necessarily affiliated with sites which may be linked to or from the Site (the "Linked Sites") and is not responsible for their content. Links from the Site to the Linked Sites are for your convenience only and you access them at your own risk. The COMPANY is not responsible for, and does not endorse, the content of any Linked Sites whether or not the COMPANY is affiliated with the sponsors of a site. Visitors to any Linked Site are urged and expected to abide by the terms of use and privacy policies of that particular Linked Site.

No Resale/Exploitation
You understand and agree that you may not reproduce, copy, resell, manipulate, or exploit any part of the Site for any purpose, commercial or otherwise.

Non-United States Residents
The COMPANY makes no representation that the Site Materials are appropriate or available for use in locations other than the United States of America (U.S.A.). Those who choose to access the Site from locations outside of the U.S.A. do so on their own initiative and at their own risk, and are responsible for compliance with local laws, if and to the extent local laws are applicable.

Disclaimer
THE SITE, THE SITE MATERIALS, AND THE SOFTWARE, IF APPLICABLE, ARE PROVIDED "AS IS" "WITH ALL FAULTS" AND "AS AVAILABLE" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, THE COMPANY DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. THE COMPANY DO NOT WARRANT THAT THE AVAILABILITY OF OR THE FUNCTIONS CONTAINED IN THE SITE, THE SITE MATERIALS OR THE SOFTWARE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THIS SITE OR THE SERVER THAT MAKES IT AVAILABLE OR THE SOFTWARE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THE COMPANY DO NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE USE OR THE RESULTS OF THE USE OF THE SITE, THE SITE MATERIALS OR THE SOFTWARE, IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU (AND NOT THE COMPANY) ASSUME THE ENTIRE COST OF ALL NECESSARY SERVICING, REPAIR, OR CORRECTION.

Limitation of Liability
UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, SHALL THE COMPANY BE LIABLE FOR ANY INDIRECT, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR THE INABILITY TO USE, THE SITE, THE SITE MATERIALS OR THE SOFTWARE, EVEN IF THE COMPANY HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL THE COMPANY' TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION [WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE), OR OTHERWISE] EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS SITE.

Indemnification
You agree to indemnify, defend and hold harmless, the COMPANY, its subsidiaries and other affiliated COMPANY, its officers, directors, employees, agents, licensors, suppliers and any third-party information providers to the Site from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of these Terms of Use. The COMPANY reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with the COMPANY in asserting any available defenses.

Jurisdictional Issues
Unless otherwise specified, the materials in the Site are presented solely for the purpose of enlightening and promoting a better world through entertainment and education. This site is controlled and operated by the COMPANY from its offices within the State of Connecticut, United States of America. The COMPANY makes no representation that materials in the Site are appropriate or available for use in other locations. Those who choose to access this Site from other locations do so on their own initiative and are responsible for compliance with their local laws, if and to the extent local laws may be applicable. This agreement shall be governed by, construed and enforced in accordance with the laws of the State of Connecticut, as it is applied to agreements entered into and to be performed entirely within such State. Any action you, any third party or the COMPANY bring to enforce this agreement or, in connection with, any matters related to this site shall be brought only in either the state or Federal Courts located in Hartford County, Connecticut, and you expressly consent to the jurisdiction of said courts. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement, and shall not affect the validity and enforceability of any remaining provisions. This represents the entire agreement between the parties relating to the matters contained herein and shall not be modified except in writing, signed by the COMPANY.

Disclaimer
This site is designed for educational purposes only and is not engaged in rendering legal advice. While a great deal of care has been taken to provide accurate and current information, the ideas, suggestions, general principles and conclusions presented on this web site are subject to local, state and federal laws and regulations, court cases and any revisions of same. The reader is thus urged to consult legal counsel regarding any points of law--this web site should not be used as a substitute for competent legal advice. The law constantly changes and is subject to differing interpretations. Always consult with your attorney and act only on his or her advice. In any event, the COMPANY shall not be responsible for any damages resulting from any inaccuracy or omission. This site is designed to provide accurate and authoritative information in regard to the subject matter covered. If legal advice or other expert assistance is required, the services of a competent professional person should be sought. Certain portions of this site may be applicable only to Connecticut State law.

Privacy Statement
The COMPANY is committed to respecting your privacy. We've structured our site so that, in general, you can visit without identifying yourself or revealing any personal information. Once you choose to provide us personally identifiable information (any information by which you can be identified), you can be assured that it will only be used to support your relationship with us.

Links to Other Sites
The COMPANY cannot ensure the protection of any personal information that you provide to a third-party site that links to or from this site, as these third-party sites are owned and operated independently. These third-party sites may have their own privacy and data collection practices that are beyond our control. Any personal information that you provide to these third-party sites will be regulated by their privacy policy, if any. We can assume no responsibility or liability whatsoever for the practices, actions or policies of these third-party sites, and cannot be responsible for the content or privacy practices of such sites.