By using the USA Financial® Web site, you are agreeing to comply with and be bound by the following terms of use. Please review the following terms carefully. If you do not agree to these terms, you should not use this site.

1. Acceptance of Agreement

You agree to the terms and conditions outlined in this Terms of Use Agreement with respect to the USA Financial® Web site. This Agreement constitutes the entire and only agreement between USA Financial® and you, and supersedes all prior or contemporaneous agreements, representations, warranties and understandings with respect to the USA Financial® Web site, the content, products or services provided by or through the USA Financial® Web site, and the subject matter of this Agreement. This Agreement may be amended at any time by USA Financial® from time to time without specific notice to you. The latest Agreement will be posted on the USA Financial® Web site, and you should review this Agreement prior to using the USA Financial® Web site.

2. Copyright

The content, organization, graphics, design, compilation, magnetic translation, digital conversion and other matters related to the USA Financial® Web site are protected under applicable copyrights, trademarks and other proprietary (including but not limited to intellectual property) rights. The copying, redistribution, use or publication by you of any such matters or any part of the USA Financial® Web site, except as allowed by Section 3 below, is strictly prohibited. You do not acquire ownership rights to any content, document or other materials viewed through the USA Financial® Web site. The posting of information or materials on the USA Financial® Web site does not constitute a waiver of any right in such information and materials. Some of the content on the USA Financial® Web site is the copyrighted work of third parties.

3. Limited License; Permitted Uses

You are granted a non-exclusive, non-transferable, revocable license (a) to access and use the USA Financial® Web site strictly in accordance with this Agreement; (b) to use the USA Financial® Web site solely for internal, personal, non-commercial purposes; and (c) to print out discrete information from the USA Financial® Web site solely for internal, personal, non-commercial purposes and provided that you maintain all copyright and other policies contained therein. No print out or electronic version of any part of the USA Financial® Web site or its contents may be used by you in any litigation or arbitration matter whatsoever under any circumstances.

4. Restrictions and Prohibitions on Use

Your license for access and use of the USA Financial® Web site and any information, materials or documents (collectively defined as "Content and Materials") therein are subject to the following restrictions and prohibitions on use: You may not (a) copy, print (except for the express limited purpose permitted by Section 2 above), republish, display, distribute, transmit, sell, rent, lease, loan or otherwise make available in any form or by any means all or any portion of the USA Financial® Web site or any Content and Materials retrieved from it; (b) use the USA Financial® Web site or any materials obtained from the USA Financial® Web site to develop, of as a component of, any information, storage and retrieval system, database, information base, or similar resource (in any media now existing or hereafter developed), that is offered for commercial distribution of any kind, including through sale, license, lease, rental, subscription, or any other commercial distribution mechanism; (c) create compilations or derivative works of any Content and Materials from the USA Financial® Web site; (d) use any Content and Materials from the USA Financial® Web site in any manner that may infringe any copyright, intellectual property right, proprietary right, or property right of us or any third parties; (e) remove, change or obscure any copyright notice or other proprietary notice or terms of use contained in the USA Financial® Web site; (f) make any portion of the USA Financial® Web site available through any timesharing system, service bureau, the Internet or any other technology now existing or developed in the future; (g) remove, decompile, disassemble or reverse engineer any USA Financial® Web site software or use any network monitoring or discovery software to determine the USA Financial® Web site architecture; (h) use any automatic or manual process to harvest information from the USA Financial® Web site; (i) use the USA Financial® Web site for the purpose of gathering information for or transmitting (1) unsolicited commercial email; (2) email that makes use of headers, invalid or nonexistent domain names, or other means of deceptive addressing; and (3) unsolicited telephone calls or facsimile transmissions; (j) use the USA Financial® Web site in a manner that violates any state or federal law regulating email, facsimile transmissions or telephone solicitations; and (k) export or re-export the USA Financial® Web site or any portion thereof, or any software available on or through the USA Financial® Web site, in violation of the export control laws or regulations of the United States.

5. Forms, Agreements & Documents

We may make available through the USA Financial® Web site or through other Web sites sample and actual forms, checklists, business documents and legal documents (collectively, "Documents"). All Documents are provided on a non-exclusive license basis only for your personal one-time use for non-commercial purposes, without any right to re-license, sublicense, distribute, assign or transfer such license. Documents are provided for a charge and without any representations or warranties, express or implied, as to their suitability, legal effect, completeness, currentness, accuracy, and/or appropriateness.

6. No Legal Advice or Attorney-Client Relationship

Information contained on or made available through the USA Financial® Web site is not intended to and does not constitute legal advice, recommendations, mediation or counseling under any circumstance and no attorney-client relationship is formed. We do not warrant or guarantee the accurateness, completeness, adequacy or currency of the information contained in or linked to the USA Financial® Web site. Your use of information on the USA Financial® Web site or materials linked to the USA Financial® Web site is entirely at your own risk. We are not a law firm and the Site is not a lawyer referral service.

7. Linking to the Site

You may provide links to the USA Financial® Web site, provided (a) that you do not remove or obscure, by framing or otherwise, advertisements, the copyright notice, or other notices on the USA Financial® Web site, (b) your site does not engage in illegal or pornographic activities, and (c) you discontinue providing links to the USA Financial® Web site immediately upon request by us.

8. Errors, Corrections and Changes

We do not represent or warrant that the USA Financial® Web site will be error-free, free of viruses or other harmful components, or that defects will be corrected. We do not represent or warrant that the information available on or through the USA Financial® Web site will be correct, accurate, timely or otherwise reliable. We may make changes to the features, functionality or content of the USA Financial® Web site at any time. We reserve the right in our sole discretion to edit or delete any documents, information or other content appearing on the Site.

9. Third Party Content

Third party content may appear on the USA Financial® Web site or may be accessible via links from the USA Financial® Web site. We are not responsible for and assume no liability for any mistakes, misstatements of law, defamation, omissions, falsehood, obscenity, pornography or profanity in the statements, opinions, representations or any other form of content on the USA Financial® Web site. You understand that the information and opinions in the third party content represent solely the thoughts of the author and is neither endorsed by nor does it necessarily reflect our belief.

10. Indemnification

You agree to indemnify, defend and hold us and our partners, agents, officers, directors, employees, subcontractors, successors, assigns, third party suppliers of information and documents, advertisers, product and service providers, and affiliates (collectively, "Affiliated Parties") harmless from any liability, loss, claim and expense related to your violation of this Agreement or use of the USA Financial® Web site.

11. Disclaimer

THE INFORMATION, CONTENT AND DOCUMENTS FROM OR THROUGH THE USA Financial® Web site ARE PROVIDED "AS-IS," "AS AVAILABLE," WITH "ALL FAULTS", AND ALL WARRANTIES, EXPRESS OR IMPLIED, ARE DISCLAIMED (INCLUDING BUT NOT LIMITED TO THE DISCLAIMER OF ANY IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE). THE INFORMATION AND SERVICES MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. WE AND OUR AFFILIATED PARTIES HAVE NO LIABILITY WHATSOEVER FOR YOUR USE OF ANY INFORMATION OR SERVICE.

12. Limitation of Liability

(a) We and any Affiliated Party shall not be liable for any loss, injury, claim, liability, or damage of any kind resulting in any way from (a) any errors in or omissions from the USA Financial® Web site or any services or products obtainable therefrom, (b) the unavailability or interruption of the USA Financial® Web site or any features thereof, (c) your use of the USA Financial® Web site, (d) the content contained on the USA Financial® Web site, or (e) any delay or failure in performance beyond the control of a Covered Party. (b) THE AGGREGATE LIABILITY OF US AND THE AFFILIATED PARTIES IN CONNECTION WITH ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE AND/OR THE PRODUCTS, INFORMATION, DOCUMENTS AND SERVICES PROVIDED HEREIN OR HEREBY SHALL NOT EXCEED $100 AND THAT AMOUNT SHALL BE IN LIEU OF ALL OTHER REMEDIES WHICH YOU MAY HAVE AGAINST US AND ANY AFFILIATED PARTY.

13. Use of Information

We reserve the right, and you authorize us, to the use and assignment of all information regarding Site uses by you and all information provided by you in any manner consistent with our Privacy Policy. All remarks, suggestions, ideas, graphics, or other information communicated by you to us (collectively, a "Submission") will forever be our property. We will not be required to treat any Submission as confidential, and will not be liable for any ideas (including without limitation, product, service or advertising ideas) and will not incur any liability as a result of any similarities that may appear in our future products, services or operations. Without limitation, we will have exclusive ownership of all present and future existing rights to the Submission of every kind and nature everywhere. We will be entitled to use the Submission for any commercial or other purpose whatsoever, without compensation to you or any other person sending the Submission.

14. Links to other Web Sites

The Site contains links to other Web sites. We are not responsible for the content, accuracy or opinions express in such Web sites, and such Web sites are not investigated, monitored or checked for accuracy or completeness by us. Inclusion of any linked Web site on the USA Financial® Web site does not imply approval or endorsement of the linked Web site by us. If you decide to leave our Site and access these third-party sites, you do so at your own risk.