Michael Allen Company and its affiliates (“MAC” or “we”) provide content on this web site (the “Site”) subject to the following terms and conditions (the “Terms”).  We may change these Terms occasionally, please check them from time to time.  The Terms were last updated on September 25, 2006.  By accessing the Site you acknowledge that you have read, understood and agree to these terms and to comply with all applicable laws and regulations. If you do not agree to these terms, do not use this Site. This Site may contain other proprietary notices and copyright information, the terms of which must be observed and followed. 

Copyrights and Use of Site Content
Permission is granted to download, display and print one copy of the information on this Site on a single computer for your personal or internal business use only, provided that you do not modify the materials and that you retain all copyright and other proprietary notices contained in the materials. This permission terminates immediately if you breach the Terms. You may not otherwise reproduce, modify, distribute, transmit, post, “mirror”, or disclose any material contained on this Site without MAC’s express written permission. All content, functionality and arrangement thereof on this Site are the exclusive property of MAC or its licensors and are protected by U.S. and international copyright laws. All rights not expressly granted are reserved.

Intellectual Property 
Accessing the Site does not grant you any rights to use any MAC intellectual property displayed on the Site.  MAC aggressively enforces its intellectual property rights to the fullest extent of the law.

No Services, Endorsement or Professional Consultation
MAC’s display of information on the Site does not constitute the rendering of advice or services. Information on this Site is for illustrative purposes and should not be relied upon for making decisions or used as a substitute for consultation with professional advisors. Moreover, MAC does not endorse any information displayed through this Site by MAC or any other person or entity. You acknowledge that any reliance upon such information shall be at your sole risk. 

Hyperlinking 
MAC makes no representations about any other web site which you may access through this Site. A link to a site does not mean that MAC endorses or accepts any liability or responsibility for the content or the use of that web site. When you access a non-MAC web site, please understand that it is independent from MAC, and that we have no control over their content, even if we provide information or services to the owner of that web site. 

Access To This Site
MAC may alter, suspend or discontinue this Site or your access to use this Site at any time for any reason without notice or liability to you or any third party. 

Disclaimer of Warranties
The Site and all materials thereon are distributed on an “as is” basis without warranties of any kind.  To the fullest extent permissible under applicable law, MAC disclaims all warranties, express or implied. You hereby acknowledge that use of the Site is at your sole risk.  If you are a California resident, you hereby waive California Civil Code section 1542 which provides: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.”

Indemnification 
You hereby indemnify, defend, and hold harmless MAC and all of its predecessors, successors, parents, subsidiaries, affiliates, officers, directors, shareholders, investors, employees, agents, representatives and attorneys and their respective heirs, successors and assigns (collectively, the “Indemnified Parties”) from and against any and all liability and costs, including, without limitation, reasonable attorneys’ fees, incurred by the Indemnified Parties in connection with any claim arising out of or relating to any breach by you of this Agreement or the representations, warranties, and covenants you have made by agreeing to the terms of this Agreement. You shall cooperate as fully as reasonably required in the defense of any such claim. MAC reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. 

Infringement Notices and Takedown 
MAC prohibits the posting of any information that infringes or violates the copyright rights and/or other intellectual property rights (including rights of privacy and publicity) of any person or entity. If you believe that any material contained on this Site infringes your copyright, you should notify MAC of your copyright infringement claim in accordance with the following procedure. MAC will process notices of alleged infringement which it receives and will take appropriate action as required by the Digital Millennium Copyright Act (DMCA). The notifications of claimed copyright infringement should be addressed to: 

RE:  Copyright
Michael Allen Company
Nine Old Kings Highway South
Darien, CT  06820
Tel. (203) 662-5100
Fax: (203) 662-5180

To be effective, the notification must be in writing and contain the following information (DMCA, 17 U.S.C  §512(c)(3)):

  1. Physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
  2. Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
  3. Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material;
  4. Information reasonably sufficient to permit the service provider to contact the complaining party, such as an address, telephone number, and, if available, an electronic mail address at which the complaining party may be contacted;
  5. A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law;
  6. A statement that the information in the notification is accurate, and under penalty of perjury, that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Enforcement of Terms and Conditions 
This Agreement is governed and interpreted pursuant to the laws of The State of Connecticut, United States of America, notwithstanding any principles of conflicts of law.    

User Postings
Anything submitted by you (“Submission”) to this Site will be owned by MAC and may be used by MAC for any purpose, now or in the future, without any payment to, or further authorization by, you.  MAC does not endorse any Submissions by any user of this Site. MAC expressly disclaims any and all liability related to Submissions, and you acknowledge that any reliance upon such Submissions shall be at your sole risk. You agree that you shall not publish on the Site any materials that: (i) are threatening, libelous, defamatory, or obscene; (ii) would constitute, or that encourage conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate law; (iii) infringe the intellectual property, privacy, or other rights of any third parties; (iv) contain a computer virus or other destructive element; (v) contain advertising; or (vi) constitute or contain false or misleading statements. MAC reserves the right to refuse to post or to remove any information or Submission from this Site, in whole or in part, for any reason.