Please read the following terms (“Agreement”) carefully before accessing and using the AnyCalc.com web site (“Site”). By accessing or using this Site, you agree to be bound by this Agreement as it may be modified from time to time.

COPYRIGHT

All content included on this Site, such as text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, is the property of AnyCalc.com ("AnyCalc") or its content suppliers and protected by United States and international copyright laws. The compilation of all content on this Site is the exclusive property of AnyCalc and protected by U.S. and international copyright laws. All software used on this Site is the property of AnyCalc or its software suppliers and protected by United States and international copyright laws.

TRADEMARKS

Graphics, logos, page headers, button icons, scripts, and service names are trademarks or trade dress of AnyCalc. AnyCalc's trademarks and trade dress may not be used in connection with any product or service that is not AnyCalc's, in any manner that is likely to cause confusion among customers, or in any manner that disparages or discredits AnyCalc. All other trademarks not owned by AnyCalc that appear on this site are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by AnyCalc.

LICENSE AND SITE ACCESS

AnyCalc grants you a limited license to access and make personal use of this Site and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of AnyCalc. This license does not include any sub-license, assignment, transfer or resale or commercial use of this site or its contents. This Site or any portion of this Site may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of AnyCalc. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of AnyCalc and our affiliates without express written consent. You may not use any meta tags or any other "hidden text" utilizing AnyCalc’s name or trademarks without the express written consent of AnyCalc. Any unauthorized use terminates the permission or license granted by AnyCalc. Use of the AnyCalc Software is governed by the separate terms of AnyCalc Software License Agreement.

DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY

THIS SITE IS PROVIDED BY AnyCalc ON AN "AS IS" AND "AS AVAILABLE" BASIS. AnyCalc MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THIS SITE OR THE INFORMATION, CONTENT, MATERIALS, OR PRODUCTS INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THIS SITE IS AT YOUR SOLE RISK.

TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, AnyCalc DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. AnyCalc DOES NOT WARRANT THAT THIS SITE, ITS SERVERS, OR E-MAIL SENT FROM AnyCalc ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. AnyCalc WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES.

INDEMNIFICATION

You agree to defend, indemnify and hold AnyCalc harmless from and against any liability, loss, claim, damage, cost or expense arising out of your use of the Site, any breach by you of this Agreement or AnyCalc’s Privacy Policy.

PRIVACY POLICY

AnyCalc will use reasonable efforts to protect all information and data collected from your access to and use of the Site in accordance with its Privacy Policy.

CHOICE OF LAW AND DISPUTES

All disputes arising under this Agreement shall be governed by the laws of the State of New York. Any action against AnyCalc must be filed and served upon AnyCalc within one (1) year of the date the cause of action arises, otherwise the action will be barred.