Notice

T.I.O.P.A., Inc., its affiliates and subsidiaries (“TIOPA”) is providing this web site (the “Site”) to you subject to the following Terms. These Terms set for the terms and conditions, which apply to your use of the Site. By using the Site you agree to be bound by the terms and conditions below. If, at any time, the provisions of these Terms are not acceptable to you or if you do not agree to be bound to these Terms, please discontinue your use of the Site.

Use of Information

The information and material contained within this Site, and the terms, conditions and descriptions that appear are subject to change. Unauthorized use of this Site or unauthorized entry into TIOPA’s systems, misuse of passwords or misuse of any information contained within the Site is strictly prohibited. You are hereby authorized to view the information in this Site and print pages in the Site for informational, non-commercial purposes only.

Copyright © TIOPA 2007

Unless otherwise indicated, TIOPA owns the content in the pages, in the screens displaying the pages and in the information, materials and other content contained in the Site and such content shall be protected by US and International copyright law and treaties. The information, materials and other content may not be modified, copied, reproduced, republished, uploaded, downloaded, posted, transmitted, publicly displayed, used to create a derivative work, sold, other otherwise used for public or commercial purposes without the express written consent of TIOPA.   No solicitation is made by TIOPA to any person to use any information, products, services, or materials in a jurisdiction where such information, products, services, or materials is prohibited by law.

Trademark Notice

The TIOPA logo and TIOPA name are registered trademarks of TIOPA, In addition, TIOPA claims rights in certain other trademarks and service marks contained on this Site. Unauthorized use of all such trademarks and service marks is prohibited.

Submissions

Al information submitted to TIOPA via this Site shall be deemed and remain the property of TIOPA and TIOPA shall be free to use, for any purpose, any idea, concepts, know-how or techniques contained in information you provide to TIOPA through this Site, as long as not otherwise prohibited by law and/or regulation. TIOPA shall not be subject to any obligation of confidentiality regarding submitted information except as specifically agreed or required by law. Nothing contained herein shall be construed as limiting or reducing TIOPA’s responsibilities and obligations to its members and clients in accordance with its privacy policies and procedures.

Adobe Acrobat Reader

TIOPA.com uses standard PDF formats for New & Info items, Press Releases, Forms, and many other documents. The software, Acrobat Reader, is required to view these documents. You can download Acrobat Reader for free by clicking on this link.

Third Party Links

TIOPA has provided hypertexts links and pointers to web sites maintained by third parties (“Third Party Sites”) and may from time-to-time provide third party materials on the Site. Neither TIOPA nor its affiliates or suppliers operates or controls in any respect any information, products, or services on these Third Party Sites, and it makes no representations regarding the content or accuracy of materials on such Third Party Sites. Providing hypertext links to these Third Party Sites is not a guarantee or endorsement of the products, services, information, or recommendation of linked Third Party Sites, and TIOPA is not liable for the failure of any products or services advertised on these or any other Third Party Sites. Also, you should be advised that Third Party Sites might have a privacy policy different from that of TIOPA and Third Party Sites may provide less security than this Site.

Disclaimer of Warranties

THE INFORMATION CONTAINED IN THIS SITE, INCLUDING TEXTS, GRAPHICS, LINKS, OR OTHER ITEMS ARE PROVIDED “AS IS”. NEITHER TIOPA NOR ITS SUPPLIES WARRANTS THE ACCURACY, ADEQUACY, COMPLETENESS OR TIMELINESS OF THE INFORMATION, MATERIALS, PRODUCTS, AND SERVICES ACCESS ON OR THROUGH THE SITE AND EXPRESSLY DISCLAIMS LIABILITY FOR ERRORS OR OMISSIONS IN THE INFORMATION OR MATERIALS ACCESSED ON OR THROUGH THE SITE. NO WARRANTY OF ANY KIND, WHETHER IMPLIED OR EXPRESS, INCLUDED BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMETN, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS IS GIVEN IN CONJUNCTION WTHIN THE INFORMATION, MATERIALS, PRODUCTS OR SERVICES.

Limitation of Liability

IN NO EVENT SHALL TIOPA OR ITS SUPPLIERS BE LIABLE FOR ANY DAMAGES, LOSSES OR LIABILITIES INCLUDING WITHOUT LIMITATION DIRECT OR INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES, LOSSES OR EXPENSES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR RELIANCE ON OR USE OR INABILITY TO USE THE INFORMATION, MATERIALS, PRODUCTS OR SERVICES ON THIS SITE, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF TIOPA OR ITS SUPPLIERS ARE ADIVSED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES

Governing Law and Jurisdiction

You agree that all applicable Federal laws and the laws of the State of Texas shall govern your use of the Site without giving effect to any principles of conflicts of law. You expressly agree to submit to the sole and exclusive jurisdiction of the state and federal courts sitting in the City of Fort Worth in the State of Texas and Providence Plantations.