Usage Agreement

PLEASE READ THESE TERMS CAREFULLY BEFORE USING THIS SITE.

This Web site (the "Site") is provided by Signature Agency, Inc. (the "Owner"), for the benefit of its customers, only. By using or downloading materials from this Site, you agree to abide by the terms and conditions set forth in this Usage Agreement. If you do not agree to abide by these terms and conditions, do not use or download materials from this Site. The products and services described on this Site are available only to consumers in the United States of America, may not be available in all states in the United States, and are subject to all applicable laws and regulations.

LIMITED LICENSE

Subject to the terms and conditions set forth in this Usage Agreement, the Owner grants you a non-exclusive, non-transferable, limited right to access, use and display this Site and its contents ("Content") for the limited purposes described in this Usage Agreement. In return, you agree not to interrupt or attempt to interrupt or otherwise interfere with the operation of this Site in any way and to all other terms and conditions of this Usage Agreement.

The Owner authorizes you to view and download the Content only for your personal, non-commercial use or other purposes to which the owner expressively agrees. This authorization is not a transfer of title in the Content or copies of the Content and is subject to the following restrictions: (1) you must retain on all copies of the Content you download all copyright and other proprietary notices contained in the Content; (2) you may not modify the Content in any way or reproduce or publicly display, perform, or distribute or otherwise use the Content for any public or commercial purpose without the owner's express content and approval; and (3) you may not transfer the Content to any other person unless you give them notice of and they agree to accept the obligations arising under this Usage Agreement. You will not use any robot, spider, or other automatic device or manual process to monitor materials available on this Site. You agree to abide by all additional restrictions displayed on this Site, as it may be updated from time to time. This Site, including all Content, is copyrighted and protected by worldwide copyright laws and treaty provisions. You agree to comply with all copyright laws worldwide in your use of this Site and to prevent any unauthorized copying of the Content. Except as expressly provided in this Usage Agreement, the Owner does not grant any express or implied right to you in any patents, trademarks, copyrights or trade secret information.

PAYMENT

When you enroll in or purchase any products or services offered on this Site, we may ask for a credit card account to which you wish us to charge your purchases. You hereby authorize the Owner to charge your purchases to your account at the prices disclosed to you at the time of purchase. By making any purchase on this Site, you represent to the Owner that you are an authorized user of the credit card account to which you charge your transactions.

DISCLAIMERS

General

THE CONTENT MAY CONTAIN INACCURACIES AND TYPOGRAPHICAL ERRORS. THE OWNER DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE CONTENT OR THE RELIABILITY OF ANY ADVICE, OPINION, STATEMENT OR OTHER INFORMATION DISPLAYED ON OR DISTRIBUTED THROUGH THIS SITE. YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY SUCH ADVICE, OPINION, STATEMENT, OR OTHER INFORMATION IS AT YOUR OWN RISK. THE OWNER RESERVES THE RIGHT, IN ITS SOLE DISCRETION, TO CORRECT ANY ERRORS OR OMISSIONS IN ANY PORTION OF THIS SITE. THE OWNER MAY MAKE ANY OTHER CHANGES TO THIS SITE, THE CONTENT, AND THE PRODUCTS, PROGRAMS, SERVICES OR PRICES (IF ANY) DESCRIBED IN THIS SITE AT ANY TIME WITHOUT NOTICE.

THIS SITE, THE CONTENT, AND ANY SOFTWARE MADE AVAILABLE TO DOWNLOAD FROM THIS SITE, ARE PROVIDED "AS IS" WITHOUT ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT, AND FITNESS FOR ANY PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

Third Party Information, Goods and Services

For your convenience, the Owner may, from time to time, offer access to information, goods and services provided by third parties. In relying on any such information or purchasing any such goods or services from such third parties through this Site, you acknowledge that the Owner is not acting as your general contractor, agent, or adviser. The Owner makes no representations about and disclaims any and all liability for any such information, goods and services. Except for vendors with which the Owner contracts to provide services on its behalf, the Owner does not (1) endorse any specific service provider or vendor, (2) provide advice on which service provider or vendor to select, or (3) guarantee the service providers' or vendors' information, goods or services. The Owner is not liable in any manner to any person for the failure of any information, goods or services from such third parties. ACCORDINGLY, WITHOUT LIMITING THE GENERALITY OF THE DISCLAIMER SET FORTH ABOVE, YOU HEREBY WAIVE AND RELEASE THE OWNER, ITS AFFILIATES, AND EACH OF THEIR OFFICERS, DIRECTORS, EMPLOYEES AND AGENTS FROM ANY DAMAGES OF ANY SORT AND CLAIMS, WHETHER DIRECT OR OTHERWISE, THAT ARISE OUT OF OR RESULT FROM ANY DEALINGS OR TRANSACTIONS BETWEEN YOU AND THIRD PARTIES FROM WHOM YOU OBTAIN ANY INFORMATION, GOODS OR SERVICES THROUGH THIS SITE.

Offensive Material

By posting information in or otherwise using any communications service, chat room, message board, newsgroup, software library, or other interactive service that may be available to you on or through this Site, you agree that you will not upload, post, or otherwise distribute or facilitate distribution of any content, including text, communications, software, images, sounds, data, or other information, that:

  1. is unlawful, threatening, abusive, harassing, defamatory, libelous, deceptive, fraudulent, invasive of another's privacy, tortious, contains explicit or graphic descriptions or accounts of sexual acts (including, but not limited to, sexual language of a violent or threatening nature directed at another individual or group of individuals), or otherwise violates the Owner's rules or policies;
  2. victimizes, harasses, degrades, or intimidates an individual or group of individuals on the basis of religion, gender, sexual orientation, race, ethnicity, age or disability;
  3. infringes on any patent, trademark, trade secret, copyright, right of publicity, or other proprietary right of any party;
  4. constitutes unauthorized or unsolicited advertising, junk or bulk e-mail (also known as "spamming"), chain letters, any other form of unauthorized solicitation, or any form of lottery or gambling;
  5. contains software viruses or any other computer code, files or programs that are designed or intended to disrupt, damage, or limit the functions of any software, hardware, or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of any other party; or
  6. impersonates any person or entity, including, but not limited to, any employee or representative of the Owner.

The Owner does not control the content posted by third parties in public areas of this Site (if any) and, therefore, does not guarantee the accuracy, integrity or quality of such content. You understand that, by using this Site, you may be exposed to content posted to this Site by third parties that is offensive, indecent, or objectionable to you. Under no circumstances will the Owner be liable in any way for any such content or for any loss or damage of any kind incurred as a result of the use of any content posted, e-mailed, or otherwise transmitted via this Site by third persons.

The Owner may, from time to time, monitor, but does not, generally, pre-screen or edit content posted by users of communications services, chat rooms, message boards, newsgroups, software libraries, or other interactive services that may be available on or through this Site. The Owner, however, reserves the right, at its sole discretion, to remove any content that, in the Owner's judgment, does not comply with its standards or is otherwise harmful, objectionable, or inaccurate. The Owner is not responsible for any failure or delay in removing such content.

PERSONAL INFORMATION

The Owner may request certain confidential information to provide you the products and services offered through this Site. The Owner will not knowingly request information from children without verifiable parental or guardian consent. By purchasing any product or service from this Site, you represent to the Owner that you are at least eighteen (18) years of age. Except as expressly provided in this Site's Privacy Notice, you agree that any information or materials that you or anyone acting on your behalf provide to the Owner will not be considered confidential or proprietary and you consent to the use of personal information you provide to the Owner and that the Owner gathers about you on this Site, all according to the terms of the Privacy Notice. By providing any such information or materials to the Owner, you grant to the Owner an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, transmit and distribute such information and materials and you further agree that the Owner is free to use any ideas, concepts or know-how that you or anyone acting on your behalf provide to the Owner.

You agree that you will not harvest or collect information about other users or members of this Site or use such information for the purpose of transmitting or facilitating transmission of unsolicited bulk e-mail or communications. You further agree that you will not knowingly solicit or collect personal information from a child twelve (12) years old or younger without appropriate prior verifiable parental consent.

THIRD PARTY WEB SITES

As a convenience to you, the Owner may provide on this Site links to Web sites operated by other entities. If you use these links, you may leave this Site. If you decide to visit any linked Web site, you do so at your own risk and it is your responsibility to take all protective measures to guard against viruses or other destructive elements. The Owner makes no warranty or representation regarding and does not endorse any linked Web site or the information appearing on or any of the products or services described on any such Web site. Links do not imply that the Owner or this Site sponsors, endorses, or is affiliated or associated with the linked Web site, or is legally authorized to use any trademark, trade name, logo, copyright symbol or other proprietary designation displayed in or accessible through the links, or that any linked Web site is authorized to use any trademark, trade name, logo, copyright symbol, or other proprietary designation in which the Owner or any of its affiliates has any ownership or licensee interest.

LIMITATION OF DAMAGES

IN NO EVENT SHALL THE OWNER OR ANY OF ITS AFFILIATES BE LIABLE TO ANYONE FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES (INCLUDING, BUT NOT LIMITED TO, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS, OR OTHER DATA ON ANY INFORMATION HANDLING SYSTEM) THAT ARE RELATED TO THE USE OF OR THE INABILITY TO USE THE CONTENT AND FUNCTIONS OF THIS SITE OR ANY LINKED WEB SITE, EVEN IF THE OWNER IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

CHANGES

The Owner reserves the right, at its sole discretion, to change, modify, add or remove any portion of this Usage Agreement, in whole or in part, at any time. Changes in this Usage Agreement will be effective when notice of such changes is posted on this Site. Your continued use of this Site after any changes to this Usage Agreement are posted will be deemed to be your acceptance of those changes.

The Owner may terminate, change, suspend, or discontinue any aspect of this Site, including the availability of any features of this Site, at any time. The Owner may also impose limits on certain features and services or restrict your access to parts or all of this Site without notice or liability. The Owner may terminate the authorization, rights and license given in this Usage Agreement and, upon such termination, you shall immediately destroy all Content in your possession or control.

INTERNATIONAL USERS AND CHOICE OF LAW

This Site is controlled, operated and administered by the Owner from its offices within the United States of America. The Owner makes no representation that the Content is appropriate or available for use in any other jurisdiction outside of the United States and access to this Site from any jurisdiction where its contents are illegal is prohibited. You may not use this Site or export the Content in violation of United States of America export laws and regulations. If you access this Site from locations outside of the United States, you are responsible for compliance with all relevant local laws. This Usage Agreement shall be governed by the laws of the State of Illinois, without giving effect to its conflict of laws provisions. You hereby consent to the exclusive jurisdiction of the federal and state courts located in Cook County, Illinois, for any lawsuit brought under this Usage Agreement or relating in any way to this Site or your use of this Site.

This Usage Agreement, together with any terms and conditions posted on this Site relating to the purchase or use of any of the services and products offered on this Site, constitutes the entire agreement between the Owner and you with respect to your use of this Site. Any cause of action you may have with respect to your use of this Site must be commenced within one (1) year after the claim or cause of action arises. If, for any reason, a court of competent jurisdiction finds any provision of this Usage Agreement to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of this Usage Agreement and the remainder of this Usage Agreement shall continue in full force and effect.

PRIVACY NOTICE

The Owner's Web site Privacy Notice is located on this Site at: Privacy Notice.

COPYRIGHT NOTICE

The contents of this Site are copyrighted © 2009 by Signature Agency, Inc. All rights are expressly reserved. No part of the Content on this Site, including Web site text, graphics and HTML code, may be reproduced or transmitted in any form by any means without the express written consent of the Owner.

Updated May 31, 2009

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