Terms of use - Disclaimer

1. Acceptance of Terms of Use

2. Restrictions on use of materials

3. Forward-looking statements

4. Privacy

5. No warranties or representations

6. Specific software available on the Site

7. Linked Internet Sites

8. Limitation of Liability

9. Indemnification

10. Comments, questions and suggestions

11. Note on Annual Reports

12. Shut-down of the Site

13. Modification of Terms of Use

14. Dispute Resolution

15. Severability

16. No Waiver

17. Headings