YOUR ACCESS AND USE OF THE WEB SITE AND THE SERVICES IT PROVIDES IS SUBJECT TO THE FOLLOWING LEGAL STATEMENTAND ALL APPLICABLE LAWS. BY ACCESSING OR USING ANY PART OF THE WEB SITE OR THESE SERVICES, YOU ACCEPT, WITHOUT LIMITATION OR QUALIFICATION, THIS LEGAL STATEMENT. IF YOU DO NOT AGREE WITH ALL OF THE LEGAL STATEMENT SET FORTH BELOW, YOU MAY NOT USE ANY PORTION OF THE WEB SITE OR THESE SERVICES.

Permitted Use of this Web Site and Services
This Web Site is owned and operated by Intermark Media, Inc. You may use this site for your personal and non-commercial use only. All information you provide to Intermark Media™ through this Web Site must be truthful information.

Unauthorized Use of this Web Site and Services
You may not resell use of, or access to, the Web Site or the information contained in or through the Web Site to any third party without our prior written consent. You may not frame portions of the Web Site within another web site or establish links from any other web site to any page of the Web Site other than the home page. You may not use spiders, robots, data mining techniques or other automated devices or programs to catalog, download, store or otherwise reproduce, store or distribute content available on the Web Site. You may not take any action to interfere with, or disrupt, the Web Site or any other user's use of the Web Site, including, without limitation, via means of overloading, “flooding”, “mailbombing” or “crashing” the Web Site, circumventing security or user authentication measures or attempting to exceed the limited authorization and access granted to you under this Legal Statement.

No Financial Advice
The information contained at our Web Site and/or any advice or comments made by any agent or employee of Intermark Media are intended only to educate and assist clients, applicants, visitors, and the like, in various areas of finance, including credit and debt management. This information is provided for informational purposes only and is not meant to be a substitute for professional counseling and advice from certified legal or financial professionals. You are strongly encouraged to consult with legal and financial professionals prior to making any decision that could have legal or financial consequences to you.

Intellectual Property Rights
Intermark Media is the exclusive owner of, or is authorized to use or provide access to, all parts of the Web Site, including all text, software, graphics, designs and all copyrights, trademarks and other intellectual property or proprietary rights contained therein. “CLICK AWAY YOUR DEBT, TODAY”, “IT'S NOT A LOAN, IT'S A SOLUTION”, “GET THE 411 ON YOUR CREDIT”, “COMPARING MORTGAGE OFFERS, SO YOU DON'T HAVE TO!”, “IGNITING BUSINESS”, and “AVALEND” are registered trademarks of Intermark Media. Except for the right to view and print individual copies of Web Site pages for your personal use pursuant to this Legal Statement, no license is granted to you and no rights are conveyed by virtue of accessing or using the Web Site and you may not copy, modify, transmit, reproduce or make derivative works based on the content of this Web Site. All rights not granted under this Legal Statement are reserved by Intermark Media.

No Warranties
Intermark Media does not fully evaluate any each company, organization, or individual, or their respective offers, that are accessible through this Web Site. While we use reasonable care in selecting our associates and affiliates, we make no expressed or implied warranties or representations, nor are we liable for direct, indirect or consequential damages arising in connection with respect to the programs, services or any products accessed through this Web Site. Any financial or other relationship entered into between you and any third party that arose from information received or accessed through this Web Site or Intermark Media is solely between you and the third party. Intermark Media is not a party to your agreements and you assume sole liability for any such agreements.THE WEB SITE, INCLUDING ALL CONTENT MADE AVAILABLE ON OR ACCESSED THROUGH THE WEB SITE, IS PROVIDED "AS IS". TO THE FULLEST EXTENT PERMISSIBLE BY LAW, INTERMARK MEDIA MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT ON THE WEB SITE. FURTHER, INTERMARK MEDIA DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, NON-INFRINGEMENT, TITLE, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. INTERMARK MEDIA DOES NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE WEB SITE OR ANY MATERIALS OR CONTENT CONTAINED THEREIN WILL BE UNINTERRUPTED OR ERROR FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE WEB SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. INTERMARK MEDIA SHALL NOT BE LIABLE FOR THE USE OF THE WEB SITE, INCLUDING, WITHOUT LIMITATION, THE CONTENT AND ANY ERRORS CONTAINED THEREIN. IN NO EVENT WILL INTERMARK MEDIA BE LIABLE UNDER ANY THEORY OF TORT, CONTRACT, STRICT LIABILITY OR OTHER LEGAL OR EQUITABLE THEORY FOR ANY LOST PROFITS, LOST DATA, LOST OPPORTUNITIES, COSTS OF COVER, EXEMPLARY, PUNITIVE, PERSONAL INJURY/WRONGFUL DEATH, SPECIAL, INCIDENTAL, INDIRECT OR OTHER CONSEQUENTIAL DAMAGES, EACH OF WHICH IS HEREBY EXCLUDED BY AGREEMENT OF THE PARTIES REGARDLESS OF WHETHER OR NOT EITHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.If any part of these warranty disclaimers or limitations of liability is found to be invalid or unenforceable for any reason, then our aggregate liability for all claims under such circumstances for liabilities that otherwise would have been limited, shall not exceed the greater of fifty dollars ($50.00) or the amount paid by you to Intermark Media for your use of any services.

Privacy Intermark Media takes the privacy of you and your information very seriously; however, due to the nature of the services provided, certain disclosures are necessary. You are encouraged to read our Privacy Policy to further understand what information is collected and how it is used.

Changes All information posted on the Web Site is subject to change without notice. In addition, this Legal Statement may be changed at any time without prior notice. We will make such changes by posting them on the Web Site. You should check the Web Site for such changes frequently. Your continued access of the Web Site after such changes conclusively demonstrates your acceptance of those changes.

Indemnification You agree to indemnify, defend and hold harmless Intermark Media, its employees, directors, officers, agents, business partners, affiliates, contractors, distribution partners and representatives from and against any and all third party claims, demands, liabilities, costs or expenses, including attorney’s fees and costs, arising from, or related to, any breach by you of any part of this Legal Statement applicable law.

Waiver The failure of Intermark Media to partially or fully exercise any rights or the waiver of Intermark Media of any breach of this Legal Statement by you, shall not prevent a subsequent exercise of such right by Intermark Media or be deemed a waiver by Intermark Media of any subsequent breach by you of the same or any other term of this Legal Statement.

Governing Law The laws of the State of New York shall govern this Legal Statement. YOU HEREBY EXPRESSLY CONSENT TO EXCLUSIVE JURISDICTION AND VENUE IN THE COURTS LOCATED IN NEW YORK OR NASSAU COUNTIES, NEW YORK FOR ALL MATTERS ARISING IN CONNECTION WITH THIS LEGAL STATEMENT OR YOUR ACCESS OR USE OF THE WEB SITE OR THE INTERMARK MEDIA SERVICES.

International Access Our Web Site is provided from the United States of America and all servers that make it available reside in the U.S.A. The laws of other countries may differ regarding the access and use of the Web Site. We make no representations regarding the legality of this Web Site in any other country and it is your responsibility to ensure that your use complies with all applicable laws outside of the U.S.A.If you do not agree to this Legal Statement, you are not permitted to use this website.This legal statement was last updated on January 20, 2005.

Contact Information
If you have additional questions regarding this Legal Statement, Intermark Media may be contacted as follows: