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ACCEPTANCE OF TERMS
Focus Publications ("Focus") makes available for your use on this Website (the "Site" information, documents, publications software and other products (collectively, the "Services") and various services and publications operated by Focus, subject to the terms and conditions set forth in this document (the "Terms of Use"). By accessing or using this Site, which includes your access to or use of any of the Services, you agree to the Terms of Use. Focus reserves the right to change the Term of Use form time to time at its sole discretion. Your use of the Site will be subject to the most current version of the Terms of Use on the Site at the time of such use. In addition, when using particular Services on this Site, you shall be subject to any posted guidelines or rules applicable to such Services that may contain terms and conditions in additional to those in the Terms of Use. All such guidelines or rules are hereby incorporated by reference into the Terms of Use. If you breach any of the Terms of Use, your authorization to use this Site automatically terminates and you must immediately destroy any materials downloaded or printed for the Site.

The Services include facts, views, opinions and recommendations of individuals and organizations deemed of interest. Focus does not guarantee the accuracy, completeness or timeliness of, or otherwise endorse these views, opinions or recommendations.

The Services do not give investment advice, or advocate the purchase or sale of any security or investment. Any investment information provided on this Site is for general information purposes only. User needs to individually review a security transaction for his or her own particular situation.

The Services include links to other sites which may be of interest or useful to its Users. Focus makes no warranties or representations whatsoever about any other Website which User may access through the Service. If User accesses another web site through the Service, User acknowledges that the linked web site is independent form the Service and that Focus has no control over the content of that web site. In addition, a link to another site does not mean that Focus Publications endorses or accepts any responsibility for the content of that Web site. Access to any other Internet web site is at User's risk.

WARRANTIES AND DISCLAIMERS
Due to the number of sources from which information on the Service is obtained, and the inherent hazards of electronic distribution, there may be delays, omissions or inaccuracies in such information and the Service.

Focus Publications and its affiliates, agents and licensors cannot and do not warrant the accuracy, completeness, currentness, non-infringement, merchantability or fitness for a particular purpose of the information available through the Service, the Service itself and/or that this site or the servers that make the Service available are free of computer viruses or other harmful materials. Focus Publications disclaims responsibility and shall not be liable to user or anyone else for:

Any loss or injury caused in whole or part by its negligence or contingencies beyond its control. In procuring, compiling, interpreting, or delivering the Service and any information through the Service;
Any decision made or action taken by User in reliance on such information and/or
Any consequential, special or similar damages, even if Focus Publications for any legal claim (whether in contract, tort or otherwise) in any way connected with or arising out of the use of the Service or the information in the Service shall not exceed the amount user paid to Focus Publications for use of the Service.

PERSONAL INFORMATION AND PRIVACY
To learn about how Adobe protects your personal information, such as your name and address, refer to our Online Privacy Policy. Please note that any non-personal information or material sent to Focus will generally be deemed to NOT be confidential.

PROHIBITED COMMUNICATIONS
You may only submit to the Site, User Content that is (a) owned by you, (b) submitted with the express permission of the owner, or (c) in the public domain. You are prohibited from posting or transmitting to or from this Site any unlawful, threatening, libelous, defamatory, obscene, pornographic, or other materials that would violate any law or the rights of others, including without limitation, laws against copyright infringement. Violation of these restrictions may result in limitations on access by you to this Site.

INDEMNITY
User agrees to indemnify and hold Focus, and its subsidiaries, affiliates, offices, agents, co-branders or other partner, and employees, harmless form any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of content you submit, post to or transmit through the Site (including, without limitation, any User Content), your use of the Site, your connection to the Site, your violation of the Terms of Use, or your violation of any rights of another person or entity.

GOVERNING LAW AND JURISDICTION
This Site (excluding linked sites) is controlled by Focus from its offices within the state of Colorado, United States of America. By accessing this Site, you and Focus agree that all matters relating to your access to, or use of, this Site shall be governed by the statutes and laws of the State of Colorado, without regard to the conflicts of law principals thereof. You and Focus also agree and hereby submit to the exclusive personal jurisdiction and venue of the Superior Court of El Paso County and the United States District Court for the District of Colorado with respect to such matters. Focus makes no representation that Services available on this Site are appropriate or available for use in other locations, and accessing them from territories where their contents are illegal is prohibited. Those who choose to access Site form other locations do so on their own initiative and are responsible for compliance with local laws.

Access to and use of the Services is subject to all applicable U.S. (federal, state and local) and non-U.S. laws and regulations. The laws of the State of Colorado, USA, without regard to conflicts of law principles shall govern any disputes arising from or related to these Terms of Use, or to Users' visit to our Site or use of the Services. The federal and state courts of the State of Colorado shall have exclusive jurisdiction over any such disputes. If any provision of these Terms of Use is found to be unlawful, void or otherwise unenforceable, that provision shall be deemed severed and the validity or enforceability of the remaining provisions of these Terms of Use shall be unaffected. The Terms of Use is the entire agreement and understanding between Focus and User concerning the furnishing of and use of the Service to and by the User.