Terms & Conditions

Prepared by our organization, these Terms Of Service/Terms & Conditions regulates your use of this site. So, we highly recommend you to go through these Terms & Conditions and read them carefully!

By entering/accessing this site, you are stating your approval and acknowledgement towards these terms & conditions. With our organization's own judgment/caution, these terms & conditions can be changed, altered or modified. If you continue using this site after changes, alteration or modification, then it will signify your approval and acknowledgement towards these changes in terms & conditions. Therefore, we kindly ask you to thoroughly go through these terms & conditions, before moving forward with this site.

Access To This Site

If you are entering or accessing this site, you are signifying that you are eighteen or more than eighteen years old. If you don't fit in the aforementioned age criteria, then immediately leave this site as you are not granted access to this site. Because of this age restriction criteria, no information or data obtained by this site comes under the Children's Online Privacy Protection Act (COPPA) and neither we are monitored to do so.

To move forward with this site and some of the resources it has to offer, we can ask you to give us your certain registration details or other information. By entering this site and moving forward with it, you will be stating that all the information you provide us will be correct, current, and complete. In case our organization believes that the information provided by you doesn't meet the necessary criteria, then we have the authority to refuse you access to this site or any of its resources, and to terminate or suspend your access to this site at any time, without any further notice.

Restrictions On Use

This site must be used for purposes clearly allowed/permitted by it. For any other purposes (including any commercial purpose), this site must not be used without our Organization's approval and written consent. For example, you may not (and may not authorize any other party to) -

For purposes of these Terms & Conditions, "co-branding" means to display a name, logo, trademark, or other means of attribution or identification of any party in such a manner as is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute this site or content available within this site. You agree to cooperate with our organization in causing any unauthorized co-branding, framing or hyper-linking immediately to cease.

Proprietary Information

The material and content (hereafter only referred to as the "Content") accessible from this site, and any other World Wide Web site owned, operated, licensed, or controlled by our Organization is the proprietary information of our Organization or the party that provided the Content to our Organization. Also, our Organization or the party that provided the Content to us retains all right, title, and interest in the Content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of our Organization, or unless authorized in writing elsewhere on our site, except that you may print out a copy of the Content solely for your personal use. In doing so, you may not remove or alter, or cause to be removed or altered, any copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of the Content. Modification or use of the Content except as expressly provided in these Terms & Conditions violates our Organization's intellectual property rights. Neither title nor intellectual property rights are transferred to you by access to this site.


This site may be hyper-linked to other sites which are not maintained by, or related to, our Organization. Hyper-links to such sites are provided as a service to users and are not sponsored by or affiliated with this site or our Organization. Our Organization has not reviewed any or all of such sites and is not responsible for the content of those sites. Hyper-links are to be accessed at the user's own risk, and our Organization makes no representations or warranties about the content, completeness or accuracy of these hyper-links or the sites hyper-linked to this site. Further, the inclusion of any hyper-link to a third-party site does not necessarily imply endorsement by our Organization of that site.


You hereby grant to our Organization the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all content, remarks, suggestions, ideas, graphics, or other information communicated to our Organization through this site (together, hereafter referred as the "Submission"), and to incorporate any Submission in other works in any form, media, or technology now known or later developed. Our Organization will not be required to treat any Submission as confidential and may use any Submission in its business (including without limitation, for products or advertising) without incurring any liability for royalties or any other consideration of any kind, and will not incur any liability as a result of any similarities that may appear in future Organization operations. Our Organization will treat any personal information that you submit through this site as per its Privacy Policy as set forth on this site.


You understand that our Organization cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojan horses or other code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this site for the reconstruction of any lost data. Our Company does not assume any responsibility or risk for your use of the Internet. The Content is not necessarily complete and up-to-date and should not be used to replace any written reports, statements, or notices provided by the Organization. Investors, borrowers, and other persons should use the Content in the same manner as any other educational medium and should not rely on the Content to the exclusion of their own professional judgment. Information obtained by using this site is not exhaustive and does not cover all issues, topics, or facts that may be relevant to your goals.

Use Or Move Forward With This Site At Your On Risk. The Content is provided “as is” and without warranties of any kind, either expressed or implied. Our Organization disclaims all warranties, including any implied warranties of merchantability, fitness for a particular purpose, Title, Or Non-Infringement. Our Organization does not warrant that the functions Or Content available or present on this site will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. Our Organization does not warrant or make any representation regarding use, or the result of use, of the content in terms of accuracy, reliability, or otherwise. The content may include technical inaccuracies or typographical errors, and Organization may make changes or improvements in it at any time. You, and not our Organization, assume the entire cost of all necessary servicing, repair or correction In The Event Of Any Loss Or Damage Arising From The Use Of This Site Or Its Content. Our Organization Makes No Warranties That Your Use Of The Content Will Not Infringe The Rights Of Others And Assumes No Liability Or Responsibility For Errors Or Omissions In Such Content.

All of the information in this site, whether historical in nature or forward-looking, speaks only as of the date the information is posted on this site, and Organization does not undertake any obligation to update such information after it is posted or to remove such information from this site if it is not, or is no longer, accurate or complete.

Limitation On Liability

The Organization, Its Subsidiaries, Affiliates, Licensors, Service Providers, Content Providers, Employees, Agents, Officers, And Directors Will Not Be Liable For Any Incidental, Direct, Indirect, Punitive, Actual, Consequential, Special, Exemplary, Or Other Damages, Including Loss Of Revenue Or Income, Pain And Suffering, Emotional Distress, Or Similar Damages, Even If Organization Has Been Advised Of The Possibility Of Such Damages. In No Event Will The Collective Liability Of Organization And Its Subsidiaries, Affiliates, Licensors, Service Providers, Content Providers, Employees, Agents, Officers, And Directors, To Any Party (Regardless Of The Form Of Action, Whether In Contract, TORT, Or Otherwise) Exceed The Greater Of $100 Or The Amount You Have Paid To Company For The Applicable Content, Product Or Service Out Of Which Liability Arose.


You will indemnify/compensate and hold Organization, its subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (hereafter referred to as the "Indemnified Parties") harmless from any breach of these Terms & Conditions by you, including any use of Content other than as clearly authorized in these Terms & Conditions. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to compensate any and all resulting loss, damages, judgments, awards, costs, expenses, and attorney's fees of the Indemnified Parties in connection therewith. You will also compensate and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the information accessed from this site.


Trademarks, service marks, and logos appearing in this site are the property of the Organization or the party that provided the trademarks, service marks, and logos to the Organization. Organization and any party that provided trademarks, service marks, and logos to our Organization retain all rights concerning any of their respective trademarks, service marks, and logos appearing in this website.

Information Given By You

You may not post, send, submit, publish, or transmit any material or information concerning this website that:

1) you don't have the authority to post any material or information, including proprietary material of any third party;

2) advocates illegal activity or discusses an intent to commit an illegal act;

3) is vulgar, obscene, pornographic, or indecent;

4) does not concern directly to this website;

5) threatens or abuses others, libels, defames, invades privacy, stalks, and is obscene, pornographic, racist, abusive, harassing, threatening or offensive;

6) seeks to exploit or harm children by exposing them to inappropriate content, asking for personal details that can be identified or otherwise;

7) violates any intellectual property or other rights of any entity or person, including violating anyone’s copyrights or trademarks or their rights of publicity;

8) violates any law or may be considered to violate any law;

9) impersonates or misrepresents your connection to any other entity or person or otherwise manipulates headers or identifiers to disguise, change or hide the origin of the content;

10) advertises any commercial endeavour (e.g., offering for sale products or services) or otherwise engages in any commercial activity (e.g., conducting raffles/lotteries or contests, displaying sponsorship banners, and/or offering goods or services) except as may be specifically approved on this site;

11) solicits/offers funds, advertisers or sponsors;

12) includes programs which contain viruses, worms and/or Trojan horses or any other computer code, files or programs designed to interrupt, hack, destroy or limit the functionality of any computer software or hardware or telecommunication device;

13) interrupts the normal flow of dialogue, causes a screen to scroll faster than other users can type, or otherwise act in a way which affects the ability of other people to engage in real-time activities through this website;

14) includes files in MP3 format;

15) amounts to a pyramid scheme or other similar fraud/illegal schemes;

16) violates any policy or regulations established from time to time about the use of this site or any networks related to this site; or

17) includes hyperlinks to other sites that contain content that falls within the aforementioned descriptions.

Even though under no obligation to do so, our Organization reserves the right to monitor the use of this site to determine compliance with these Terms & Conditions, as well the right to remove or refuse any information for any specific reason. Despite these rights, you remain solely responsible for the content of your submissions. You acknowledge and accept that neither Organization nor any third party that provides Content to our Organization will assume or have any liability for any action or inaction by Organization or such third party concerning any submission.


Any passwords used for this site are for individual/private use only. You will be responsible for the security of your password (if any). Our Organization has the right to monitor your password and, at its discretion/caution, we may require you to change it. If you use a password that our Organization considers insecure, we will have the authority to require the password to be changed and/or terminate your account.

You are prohibited from using any services or facilities provided in connection with this site to endanger the security or damage/misuse with system resources and/or accounts. The use or distribution of tools designed for endangering security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited & restricted. If you become involved with any violation of system security, the Organization has the right to release your details to system administrators at other sites to assist them in resolving security incidents. The organization maintains the right to investigate suspected violations of these Terms & Conditions.

The Organization has the right to fully cooperate with any law enforcement authorities or court order requesting or directing the Organization to reveal the identity of anyone posting any e-mails, or publishing or otherwise making available any material or information that is believed to violate these Terms & Conditions.

By Accepting This Agreement You Discard And Hold The Organization Harmless From Any Claims Resulting From Any Action Taken By The Organization During Or As A Result Of Its Investigations And/or from Any Actions Taken As A Consequence Of Investigations By Either [Organization] Or Law Enforcement Authorities.

These Terms of Use will be governed and interpreted pursuant to the laws of Michigan, United States of America, notwithstanding any principles of conflicts of law. You specifically consent to personal jurisdiction in Michigan in connection with any dispute between you and Company arising out of these Terms of Use or pertaining to the subject matter hereof. The parties to these Terms of Use each agree that the exclusive venue for any dispute between the parties arising out of these Terms of Use or pertaining to the subject matter of these Terms of Use will be in the state and federal courts in Shelby Twp, Michigan. If any part of these Terms of Use is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. These Terms of Use constitute the entire agreement among the parties relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this site will govern the items to which they pertain. Company may revise these Terms of Use at any time by updating this posting.