PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY.

BY ACCESSING THE WEB SITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW.

The "web site" means the web site, and all information and materials contained on the web site. Certain sections of or pages on the Web site contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages.

The web site might contains links to web sites controlled or offered by third parties. PIF, Inc. has not reviewed, and hereby disclaims responsibility for, any information or materials posted at any of the sites linked to this web site.

By creating a link to a third party Web site, PIF, Inc. does not endorse or recommend any products or services offered on that web site.

The contents of the web site are subject to change. Not all products and services are available in all geographic areas.

Unauthorized use of PIF, Inc. web sites and systems including but not limited to unauthorized entry into PIF's systems, misuse of passwords, or misuse of any information posted to a site, is strictly prohibited.

THE WEB SITE (INCLUDING ALL INFORMATION AND MATERIALS CONTAINED ON THE WEB SITE) IS PROVIDED "AS IS" "AS AVAILABLE". WE ARE NOT PROVIDING ANY WARRANTIES AND REPRESENTATIONS REGARDING THE Web site. WE DISCLAIM ALL WARRANTIES AND REPRESENTATIONS OF ANY KIND WITH REGARD TO THE WEB SITE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF THIRD PARTY RIGHTS, FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE, OR FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THE ACCURACY, ADEQUACY OR COMPLETENESS OF THE INFORMATION AND MATERIALS CONTAINED ON THE WEB SITE AND EXPRESSLY DISCLAIM LIABILITY FOR ERRORS OR OMISSIONS IN THE MATERIALS AND INFORMATION. NOTHING HEREIN SHALL BE CONSTRUED AS LIMITING OR REDUCING PIF'S RESPONSIBILITIES AND OBLIGATIONS TO CLIENTS IN ACCORDANCE WITH APPLICABLE LAWS AND REGULATION.

PIF, Inc. shall not be liable for any action taken, or any delay or failure to take any action, to the extent that the taking of such action, or such delay or failure, arises out of causes beyond PIF's reasonable control.

UNDER NO CIRCUMSTANCES WILL PIF, Inc. BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE OR EXEMPLARY DAMAGES ARISING OUT OF ANY USE OF OR INABILITY TO USE THE WEB SITE OR ANY PORTION THEREOF, REGARDLESS OF WHETHER PIF, Inc. HAS BEEN APPRISED OF THE LIKELIHOOD OF SUCH DAMAGES OCCURRING AND REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE.

You agree that (i) you will not engage in any activities related to the Web site that are contrary to applicable law, regulation or the terms of any agreements you have with PIF, Inc. and (ii) in circumstances where locations of the web site require identification for access, you will establish commercially reasonable security procedures and controls to limit access to your password or other identifying information to authorized individuals.

This web site is not intended for distribution to, or use by, any person or entity any jurisdiction or country where such distribution or use would be contrary to local law or regulation.

In the event any of the terms or provisions of this Agreement shall be held to be unenforceable, the remaining terms and provisions shall be unimpaired and the unenforceable term or provision shall be replaced by such enforceable term or provision as comes closest to the intention underlying the unenforceable term or provision. This Agreement shall be subject to any other agreements you have entered into with PIF, Inc.