These Terms of Use will apply to every time User accesses Site and remains in effect until terminated by User. User may terminate this agreement at any time by discontinuing use of the Site and destroying all materials obtained from it. Site reserves the right to change this policy at any time. If Site modifies these Terms of Use, Site updates the "Effective Date" and changes will become immediately effective.If you do not agree to these Terms of Use, do not use the Site.

Use of Material

User agrees this Site and its contributors are the owners of the copyright to text, graphics, databases, HTML code, and other intellectual property in this Site. You agree viewing or downloading material from this site is only for personal, non-commercial use. Any type of commercial use of site materials requires explicit written permission from Site. Site welcomes User requests.All of the trademarks on this Site are trademarks of Wilbanks Business Systems or of other trademark owners used with their permission. The display of trademarks on this website does not imply that a license of any kind has been granted.Users may have the opportunity to post reviews, comments, and submit suggestions, ideas, questions, testimonials and articles. Site is not responsible for material posted in this Site created by a User. Users grant Site permission to use any posted or transmitted materials for any purpose Site chooses without compensation whatsoever. Postings or transmitted materials may no be illegal, obscene, threatening, defamatory, or otherwise injurious to third parties. User agrees their postings or transmitted materials do not contain software viruses, political campaigning, solicitations or any form of "spam." User may not impersonate any person or entity, or otherwise mislead as to the origin of User content. Site reserves the right but not the obligation to remove User posted content.  

Copyright Violations

If you believe that your intellectual property rights have been violated in this Site, please identify what specific material has been compromised, any supporting information to Contact Us.  Site is concerned about intellectual property right infringements and wants to know about any potential complaints however Site cannot resolve intellectual property disputes. Site recommends you contact and resolve the issue directly with that company.  

Definition of Liability

The information contained on this Site is not intended to provide specific legal, financial or tax advice, or any other advice. The materials in this Site are provided "as is" and without warranties of any kind either express or implied. Linked sites are for your convenience only and you access them at your own risk. This Site disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. This Site does not warrant that defects will be corrected, or that this Site is free of viruses or other harmful components. Under no circumstances, including but not limited to negligence, will Site be liable for special or consequential damages that result from the use or inability to use the materials on this site. In no event shall Site be liable for special or consequential damages for any loss, damage or claim exceeding the amount paid by the User for accessing this site.User agrees Site will not be responsible or liable for any loss or damage incurred by User from transactions with any third parties referenced in Site. Any questions, complaints, or claims related to any product or service should be directed to the appropriate vendor.

Legal Stuff

Terms of Use is subject to existing laws and legal process. Nothing contained in these Terms of Use shall limit Site’s right to comply with governmental, court, and law-enforcement requests or requirements. Site may elect to resolve any claims relating to these Terms of Use by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such claim shall be arbitrated on an individual basis and shall not be consolidated in any arbitration with any claim of any other party. The arbitration shall be conducted in Austin, Texas, and judgment on the arbitration award may be entered in any court having jurisdiction. If any provision of this agreement is void or unenforceable in whole or in part, the remaining provisions of this Agreement shall remain in effect.