Terms and Conditions for Website Use

This page states the Terms and Conditions under which you may use this Web Site. If you do not accept these Terms and Conditions, do not use the Web Site. We reserve the right to revise these Terms and Conditions at any time.

This Web site is owned and operated by Integrated Planning Systems, Inc. (hereinafter referred to as "IPS"). You may use this site conditioned on acceptance of the terms and conditions contained herein. The use of the content, services and/or products presented in any and all areas of this site constitutes the User's agreement to abide by the following terms and conditions.

Section 1. Copyright and Trademarks

The contents of this Web Site, such as text, graphics, images and other material are protected by copyright under both United States and foreign laws. Unauthorized use of this material may violate copyright, trademark, and other laws. You must retain all copyright and other proprietary notices contained in the original material on any copy you make of the material. You may not sell or modify the material or reproduce, display, distribute, or otherwise use the material in any way for any public or commercial purpose. The use of the material on any other Web site or in a networked computer environment for any purpose is prohibited.

Section 2. Liability.

IPS provides no express or implied warranties of any kind pertaining to the information, content or products on this site. IPS disclaims all express or implied warranties. IPS will not be liable for any direct, indirect, incidental, punitive or consequential damage arising from the use of this site or the use of any products sold on this site.

Section 3. Indemnity.

You agree to defend, indemnify, and hold harmless IPS, its officers, directors, employees and agents, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of the material (including Software) or your breach of the terms of this Agreement.

Section 4. Software Licenses.

All software that is made available for downloading from the Web Site is protected by copyright and may be protected by other rights. The use of such software is governed by the terms of the software license agreement accompanying such software. The downloading and use of such software is conditioned on your agreement to be bound by the terms of the License Agreement.

Section 5. User Submissions.

Generally, any communication which you post to the Web Site is considered to be non-confidential. If particular Web pages permit the submission of communications which will be treated by IPS as confidential, that fact will be stated on those pages. By posting communications to the Web Site, you automatically grant IPS a royalty-free, perpetual, irrevocable nonexclusive license to use, reproduce, modify, publish, edit, translate, distribute, perform, and display the communication alone or as part of other works in any form, media, or technology whether now known or hereafter developed.

As a User, you are responsible for your own communications and are responsible for the consequences of their posting. You must not post material that is copyrighted, unless you are the copyright owner or have the permission of the copyright owner to post it. You must not post material that reveals trade secrets, unless you own them or have the permission of the owner. You must not post material that infringes on any other intellectual property rights of others or on the privacy or publicity rights of others. You must not post material that is obscene, defamatory, threatening, harassing, abusive, hateful, or embarrassing to another User or any other person or entity. You must not post a sexually-explicit image; post advertisements or solicitations of business. You must not post chain letters or pyramid schemes. You must not impersonate another person.

IPS does not represent or guarantee the truthfulness, accuracy, or reliability of any of communications posted by other Users or endorse any opinions expressed by Users. You acknowledge that any reliance on material posted by other Users will be at your own risk.

IPS is not responsible for screening or monitoring material posted by Users. If notified by a User of communications which allegedly do not conform to this Agreement, IPS may investigate the allegation and determine in good faith and its sole discretion whether to remove or request the removal of the communication. IPS has no liability or responsibility to Users for performance or nonperformance of such activities. IPS reserves the right to expel Users and prevent their further access to the Web Site for violating this Agreement or the law and the right to remove communications which are abusive, illegal, or disruptive.