Last modified on December 19, 2014

Terms and Conditions of Use

By using this site, and as an express condition of doing so, Users expressly acknowledge and agree that
(1) Any use of the site is subject to these Terms and Conditions of Use ("Terms"), which incorporate by reference our Privacy Policy of which Users of this site acknowledge their understanding. 

(2) These Terms may change without notice and the effective date of such changes shall be indicated in the “Last modified” date above. Continued use of the site constitutes acceptance of any and all such changes.

(3) Much of the information on this site has been provided by or about third parties.  Although reasonable attempts are made to verify the accuracy of such information, the information may change without notice, its accuracy cannot be ensured and users should not rely on such accuracy. Operator, in its sole discretion, has selected the information to appear on the site and does not represent that such information is complete. THE INFORMATION ON THIS SITE IS OFFERED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY OR FITNESS FOR INTENDED PURPOSE, WHICH ARE EXPRESSLY DISCLAIMED.

(4) The Operator does not endorse any of the organizations listed on the site, nor is the Operator responsible in any way for information represented on any third party site that may be linked to this one. In the discretion of the Operator, organizations represented on the site may maintain financial relationships with the Operator, and selected third party organizations may be permitted to furnish paid advertisements to appear on the site. Operator does not represent that it is affiliated with any of the organizations whose directory information appears on the site, although such affiliations may exist in some cases.

(5) Neither the operators of this site, the companies listed on it, their respective affiliated entities, nor any of their respective owners, officers, directors, employees, agents or representatives, shall be liable to Users for damages of any kind, including direct, consequential, incidental or punitive damages, regardless of circumstances or whether such damages were reasonably foreseeable. Users specifically waive and unconditionally release the aforesaid persons and entities from all such liabilities, now or in the future. In the event that a court shall determine any provision of these Terms to be unenforceable for any reason, the remaining provisions hereof shall nevertheless remain in effect.

(6) Subject to the terms of our Privacy Policy referenced above, the site may collect and store certain information about the User’s computer in order to allow Operator, organizations represented on the site, or paid advertisers to provide Users with information customized to their interests. As described in our Privacy Policy, “cookies” may be deposited on a visitor’s computer to permit this site to record the links and advertisements visited by users of this site. Such information may be used by Operator or other companies to direct content to users in which users may be interested. Operator shall not be liable for the accuracy or content of such information or advertising, for which the organization providing the information or advertisement shall be solely responsible. Advertisers hereby agree to indemnify Operator and hold it harmless with respect to any claims, liabilities and/or expenses incurred by Operator in connection with such advertisements.

(7) As set forth in our Privacy Policy, many internet browsers allow Users to select a “Do Not Track” setting, which sends a signal to websites that you do not want information about your internet activity to be collected or tracked. We do not respond to internet browser “Do Not Track” signals.

Privacy Policy

We understand that your privacy is important.  We want you to know what information may be collected through this site and how it may be used.  Continued use of this resource constitutes your agreement to the terms of this Privacy Policy.   If you do not agree, please do not use the site.

What Information May Be Collected
When you visit this website, our web server automatically receives and records certain information on its server logs from your browser, including your computer operating system, web browser, IP address, geo-location data, cookie information, and the pages you visit on the site.  In addition, when you access this site, the site will install small bits of computer code known as “cookies” on your computer to allow us to record each time you visit the site and access any links or ads displayed there. We do not attempt to match or link such information to an individual’s personal information.

We do not knowingly collect data from individuals under 13 years of age through this site.  If you are under the age of 13, you are not authorized to use this site and should immediately stop doing so.

How We May Use or Disclose Your Information
The information we record may be used to facilitate “re-marketing,” a practice through which your visits to linked sites or advertisements may be shared with and used by our affiliated companies or third party advertisers to send you additional communications in which you may be interested. In addition, we may share information about you with our employees; affiliates; business partners; third party advertisers; accountants and other professionals; and third parties who work with us in developing and maintaining the site.  We may also use that information for internal testing or training purposes, to help us develop our website to better meet visitors' needs and expectations, or to communicate with you for any purpose. Some information may be stored subject to lengthy retention requirements.

Furthermore, we reserve the right to disclose such information to law enforcement officials, investigators, or other third parties as we deem necessary to prevent or address abuses of the site including, but not limited to, violations of this Privacy Policy, or when such disclosure is required by law.

Online Tracking
Your internet browser may allow you to select a “Do Not Track” setting, which sends a signal to websites that you do not want information about your internet activity to be collected or tracked. We do not respond to internet browser “Do Not Track” signals.

Links to Other Sites
This site may contain links to other sites operated by non-affiliated third parties.  If you choose to access such third-party sites, the operators of such sites may acquire access to your personal information.  You should be aware that we do not control the information privacy and security policies or practices of such unaffiliated third parties.  Therefore, we cannot be held responsible for either the content of such third-party sites or their use (or abuse) of any information they receive from or about you.

We make no representations concerning the reliability of information displayed on or transmitted from this website.  Furthermore, while we take reasonable precautions to secure the information we gather through the site, any sharing of information over the internet involves some security risk.  We do not warrant that the information transmitted through or displayed on the site will not be accessed by unauthorized individuals, or that it will be delivered free of viruses or other potentially harmful material.  To the fullest extent permitted by law, we specifically disclaim any warranties in connection with the use of this website including, but not limited to, warranties of merchantability, non-infringement or fitness for a particular purpose.

Changes to This Policy
We may modify this Privacy Policy at any time, without prior notice.  If we choose to do so, then the effective date of the change will be identified above the title of this document as the “Last Modified” date.  You will be deemed to have agreed to any such modifications by your continued use of this site on or after the “Last Modified” date.  We encourage you to review this policy as often as necessary to remain aware of its current contents. 

Any questions concerning this Privacy Policy may be addressed to