© Pinchtown.com, 2007. All rights reserved. Pinchtown.com does not imply approval of linked sites, warrant the accuracy of any information set out in those sites or endorse materials or products described and/or offered herein. All other Web sites are operated by their respective owners, who should be contacted directly with any questions regarding the content of those sites.

The information contained herein is not to be construed as an attempt to provide legal, accounting, investment, actuarial, or other such professional advice. Permission to copy or print a personal use copy of this material is hereby granted and brief quotations for the purposes of news reporting and education are permitted. Otherwise, no part of this material may be used or reproduced without permission in writing from Pinchtown.com or its owner(s).

For additional information, please email us at info@pinchtown.com.

Pinchtown.com's Disclaimer and Terms and Conditions.

Disclaimer

The accuracy of the materials presented on this Web site or reached through any link from this Web site and their applicability to your particular circumstances is not guaranteed. You should always obtain personal advice from qualified professionals.

Terms and Conditions

The accuracy of the materials presented on this Web site or reached through any link from this Web site and their applicability to your particular circumstances is not guaranteed. You should always obtain personal advice from qualified professionals.

1. Use of the Pinchtown.com Web site and its content, in part or in whole, is covered by the following terms and conditions. By using the Pinchtown.com Web site and/or the Pinchtown.com content, you, the site visitor agree to the following terms and conditions.

2. Pinchtown.com provides, through this Web, certain information, including but not limited to prices, formulas, tips, suggestions, quotes, factual data, and other information relating to personal finance (collectively, "Pinchtown.com content"). Your use of Pinchtown.com content is entirely at your own risk and it is your sole responsibility to evaluate the accuracy, completeness, usefulness and applicability of all Pinchtown.com content. Visitors to this Web site should seek professional financial and legal assistance and shall not rely solely on Pinchtown.com content.

3. All Pinchtown.com content is provided "AS IS" AND ON AN "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Pinchtown.com content contains statements and statistics that have been obtained from sources believed to be reliable, (including, but not limited to, information originated by Pinchtown.com, licensed by Pinchtown.com from information providers, or gathered by Pinchtown.com from publicly available sources), but are not guaranteed as to accuracy, completeness, timeliness, or suitability for use. Nor does Pinchtown.com guarantee uninterrupted or error-free information, or the security of this Web site or that of the stored visitor data, or that any information, software, or other material accessible from or related to the Pinchtown.com content is free of computer viruses, worms, or other harmful agents.

4. Pinchtown.com shall not be liable under any circumstances for lost profits, lost business, loss of business reputation, or any direct, indirect, incidental, special, punitive or consequential damages, whether foreseeable or not, that result in any way from your use, non-use or reliance upon Pinchtown.com content, or that result from mistakes, omissions, interruptions or deletions of files, errors or defects in Pinchtown.com content, delays in operation, transmission or failure of performance. If you are dissatisfied with any Pinchtown.com content, your sole and exclusive remedy is to discontinue using said Pinchtown.com content. Neither Pinchtown.com nor its content providers shall have any liability, contingent or otherwise for the accuracy, completeness, timeliness, or suitability for use of Pinchtown.com content or for any decision made or action taken by you in reliance upon Pinchtown.com content or for interruption of any data, information, or other aspect of Pinchtown.com Web site. Neither Pinchtown.com nor its information providers make any representations about the suitability of Pinchtown.com content, software, products, recommendations or services contained in Pinchtown.com Web site. Pinchtown.com does not give professional investment advice, or advocate the purchase or sale of any security or investment. The past performance of a mutual fund, stock, or investment strategy cannot guarantee its future performance. References to any specific securities do not constitute an offer to buy or sell securities.

5. Pinchtown.com content is provided to you solely for your own informational purposes. You may not sub-license, resell, republish (including internet posting, electronic mailing, faxing, archiving in a public database, redistributing via a computer network, or in a printed form to third parties), reproduce, retransmit, disseminate, sell, broadcast, commercially exploit, or circulate Pinchtown.com content without the express written consent of Pinchtown.com Nor may you use Pinchtown.com content for any unlawful purpose.

6. You may use Pinchtown.com content for your private, non-commercial use only.

7. Pinchtown.com is the sole and exclusive owner of all right, title and interest, including trademarks, copyrights, patents, trade names, trade secrets and other intellectual property rights, in Pinchtown.com content. You may not copy, modify, adapt, reproduce, translate, reverse engineer, decompile, disassemble, sublicense or assign any aspect of Pinchtown.com content accessed via this service.

8. This Agreement shall for all purposes be governed, interpreted, construed and enforced in accordance with the law of the State of Michigan, USA. You hereby agree that the courts located in the State of Michigan, USA shall constitute the sole and exclusive forum for the resolution of any and all disputes arising out of or in connection with the use of Pinchtown.com content or the Pinchtown.com Web site and you hereby consent to the jurisdiction of such courts and irrevocably waive any objections thereto. Regardless of where you access Pinchtown.com content, you agree to comply with all applicable laws of the United States of America, including those regarding the export of data. You are also responsible for complying with all other laws, rules and regulations that may be applicable to your use of Pinchtown.com content.

9. Pinchtown.com may deny you access to all or part of this service without notice if you engage in any conduct or activities that Pinchtown.com believes in its sole and absolute discretion violates applicable law or any terms of this Web site.

10. You agree to indemnify, defend, and hold harmless Pinchtown.com, its subsidiaries, affiliates, and their respective officers, directors, shareholders, members, agents, representatives, employees, successors and assigns for, from and against any and all liabilities, costs and expenses (including reasonable attorneys' fees), related to any violation of the terms and conditions by you.

11. If any portion of the terms and conditions is held to be unenforceable, the unenforceable portion shall be construed in accordance with applicable laws as nearly as possible to reflect the original intentions of the parties and the remainder of the provisions shall remain in full force and effect.

12. Pinchtown.com's failure to insist upon or enforce strict performance of any provision of the terms and conditions shall not be construed as a waiver of any provision or right. Neither the course of conduct between parties nor trade practice shall act to modify any provision of these terms and conditions.

13. Pinchtown.com reserves the right in its sole discretion to change, modify, add or remove these terms and conditions in whole or in part and at any time.

Contacting Pinchtown.com

If Pinchtown.com visitors have any questions or concerns regarding these terms of use or our information practices, please contact us at:

E-mail: info@pinchtown.com

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