Notices

Terms of Use

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:

1. 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;
2. Any decision made or action taken by User in reliance on such information and/or
3. 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.

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Copyrights, Trademarks, and Limitations on Use

All pages on this Web site are copyrighted by Focus Publications. It is illegal for any person or business to violate any of the rights provided by the copyright code to the owner of copyright. If you would like to use any of our material, please contact us.

© 1996-2006 Focus Publications, 219 W. Colorado Ave. - Suite 200, Colorado Springs, CO 80903, All rights reserved.

The Services on this Site and those services licensed to others by Focus are protected by copyright and/or other intellectual property laws and any unauthorized use of the Services at this Site may violate such laws. Except as expressly provided herein, Focus and its suppliers do not grant any express or implied right to you under any patents, copyrights, trademarks, or trade secret information with respect to the services.

Except as specifically permitted herein, no portion of the information or documents on this Site or the intellectual properties licensed to others may not be copied, reproduced, distributed, posted, or linked to in any form or by any means without the prior written permission of Focus.

The trademarks, logos and service marks ("Marks") displayed on this Site are the property of Focus or other third parites. You are not permitted to use the Marks without prior written consent of Focus or such third party which may own the Marks. Focus and the Focus logo are trademarks of Focus Publications.

For more information on copyrights, please reference the U.S. Copyright Office.

USE OF SOFTWARE
The software and accompanying documentation that are made available to download from this Site are the copyright work of Focus and/or its suppliers. Use of the software is governed by the terms of the end user license agreement that accompanies or is included with such software. You will not be able to download or install any software that is accompanied by or includes an end user license agreement unless you agree to the such terms of such end user license agreement. If you do not agree to such terms, you will not be able to use the software. You may not decompile, reverse engineer or otherwise attempt to discover the source code of the software available on the Site.

USE OF SITE INFORMATION
Except as otherwise indicated elsewhere on this Site, you may view, download and print the documents and information on this Site subject to the following conditions:

1. The documents and information may be used solely for personal, informational, internal, non-commercial purposes.
2. The documents and information may not be modified or altered in any way.
3. The documents and information on the Site may not be distributed.
4. User may not remove any copyright or other proprietary notices contained in the documents and information.
5. User may not reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the information received through the Service to anyone, including but not limited to others in the same company or organization, without the express prior written consent of Focus.
6. Focus reserves the right to revoke the authorization to view, download and print the documents and information available on this Site at any time, and any such use shall be discontinued upon written notice from Focus.
7. The rights granted to you constitute a license and not a transfer of title.

The rights specified above to view, download and print the documents and information available on this Site are not applicable to the design or layout of this Site. Elements of this Site are pare protected by trade dress and other laws and may not be copied or imitated in whole or in part.

USE AND PROTECTION OF ACCOUNT NUMBERS AND PASSWORDS
You are responsible for maintaining the confidentiality of your account numbers and/or passwords, if applicable. You are responsible for all users of your account, whether or not actually or expressly authorized by you.

UNSOLICITED IDEAS
While Focus welcomes User's comments and feedback, Focus does not accept any unsolicited ideas, suggestions or materials related to its advertising, marketing, business or products, or potential new advertising, marketing, business or product ideas. If a User send ideas, suggestions or other such information to Focus, it is understood that any such submission will be treated as non-confidential and non-proprietary, that such submission will become the sole and exclusive property of Focus, and that it may be used by Focus for any purpose whatsoever, commercial or otherwise, without notice or compensation.

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Editorial Policy

Subject tips: tips@focuspub.com

Letters to the editor: editor@focuspub.com

Corrections: editor@focuspub.com

Writers and editors are journalists who specialize in real estate and financial issues. The owners of the company, which is privately held do not engage in buying or selling of real estate, securities or financial products or render any real estate, securities or financial services.

In cases of conflicts of interest or potential conflicts of interest, editors disclose in Focus articles any areas that might be of concern to readers.

Writers and editors do not accept money, services or in-kind advertising in exchange for coverage of companies or organizations.

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Online Privacy Policy

At Focus Publications, we respect your privacy and take the responsibility of protecting the personal information that you share with us very seriously. To earn your trust and confidence in Focus Publications, we are disclosing our privacy practices and the use of the information we gather.

Focus Publication's privacy policy is based on two basic principles:

1. We will only ask you for personal information if we need it to provide the service you request.
2. Personal information submitted to Focus Publications will not be sold or redistributed to third parties without your consent.

GENERAL INFORMATION THAT IS COLLECTED
When you visit Focus Publications, we collect some basic information about your computer, including:

• IP address (your computer's unique signature)
• Operating system (e.g., Windows XP)
• Browser software (e.g., Microsoft Internet Explorer, Firefox, Netscape)
• Internet Service Provider (e.g., AOL)

The information we collect reflects the population as a whole rather than focusing on individuals. We use it to help us better understand the people who visit Focus Publications. This information helps us identify the most popular regions on our web site and determine the effectiveness of our promotional activities. In addition, we disclose some of this information to advertisers to inform them of the number of people who have seen and clicked on their advertisements.

For the same purposes, we use cookies* - small text files places on your computer's hard drive - to help us determine the type of content and sites to which you link, the length of time that you spend at any particular site and the Focus Publications services you use. We use this information to personalize your experience at Focus Publications.

* For more information on cookies, please visit http://www.howstuffworks.com/cookie.htm.

PERSONAL INFORMATION THAT IS COLLECTED AND HOW IT IS USED
When you join, enter contests or sign up for other services at Focus Publications, we collect personal identifying information from you, which may include the following:

• First and last name;
• Home or other physical address;
• E-mail address;
• Phone number;
• Fax number;
• Any other information that identifies you as a specific individual; and
• Any other information that, when tied to the above information, may identify you as a
  specific individual.

Information collected by Focus Publications is stored on our computers. Only authorized Focus Publications employees have access to this information, in a manner consistent with or exceeding industry standards. Remember that third-party venders may also sell products and services on Focus Publications, and their policies may differ form those of Focus Publications.

We use information about our clients and visitors for administrative and other purposes that we deem necessary to maintain and improve our services. Such uses include data transmission, customer surveys conducted by Focus Publications or third parties and for future services. We reserve the right to use third parties to provide these services. These third parties may receive certain personal identifying information about you in order for them to perform their services.

Focus Publications reserves the right to amend this Privacy Statement at any time without notice, and only the current Privacy Statement may be deemed effective.

If you have questions about our privacy practices, you may contact us at privacy@focuspub.com.

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Cancellation & Refund Policy

The services, materials and products published and provided by Focus Publications are proprietary intellectual properties and as such cannot be returned or recalled once transfer has been made or access to them has been granted under the terms of our subscription agreements. Upon issuance of download passwords and/or linking codes for Internet content features, Focus Publications considers all monies paid non-refundable and all subscriptions binding for their terms.

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