Please read this agreement ("Agreement") carefully before accessing or using this web site, its tools and/or reports (collectively, the "Site"). 
By accessing or using the Site, you agree to be bound by this Agreement. 
The information and services on this Site are being provided to you, the user, conditioned on your acceptance without modification of the terms, conditions and notices contained herein. 
Your use of these Sites constitutes your agreement to all such terms, conditions and notices.

The information and services offered on this Site are provided with the understanding that neither Dennis Austin, Patti Hutchins nor [insert any relevant entity you operate in relation to the site] (collectively the "Owner") nor its users are engaged in rendering legal or other professional services or advice. 
Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout the Site or on any by-products of the Site, including, without limitation, any report issued to you that has originated from the Site.

You use this Site at your own risk. 
If your use of this Site or the materials therein results in the need for servicing or replacing property, material, equipment or data, neither Owner, nor its affiliates are responsible for those costs. Owner and its agents, directors, employees and beneficial owners assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take based on the information, services or other material on this Site. 
While the information on this Site is intended to be accurate, complete and up-to-date, Owner cannot guarantee, and is not responsible for any damage or loss related to, the accuracy, completeness or timeliness of the information.

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. 
CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. OWNER ITS AFFILIATES AND/OR ITS RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THIS SITE AT ANY TIME.

ALL INFORMATION, PRODUCTS, AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. 
IN NO EVENT SHALL OWNER, ITS AFFILIATES AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, PRODUCTS, AND SERVICES OBTAINED THROUGH THIS SITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF OWNER ITS AFFILIATES OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. 
BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

You may access, download and print materials on this Site for your personal and non-commercial use. 
You agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another Web page, use on any other web site, transfer or sell any information, software, lists of users, databases or other lists, products or services obtained from this Site. 
The foregoing prohibition expressly includes, but is not limited to, the practices of "screen and/or database scraping." As a condition of your use of this Site, you warrant to Owner that you will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. 
If you violate any of these terms, your permission to use the Site automatically terminates.

All materials on this Site (as well as the organization and layout of the Site) are owned and copyrighted or licensed by Owner its affiliates or its suppliers. 
© Copyright Dennis Austin/Patti Hutchins [entity] 2000. 
All rights reserved. 
No reproduction, distribution, or transmission of the copyrighted materials at this Site is permitted without the written permission of the Owner.

You agree to indemnify, defend and hold harmless owner, its affiliates and suppliers from any liability, loss, claim and expense (including reasonable attorneys’ fees) related to your violation of this Agreement.

This Site may contain hyperlinks to web sites and/or frame web sites operated by parties other than Owner or its affiliates. 
Such hyperlinks and framed sites are provided to you for your reference only and Owner does not control such web sites, and is not responsible for their contents. 
Inclusion of hyperlinks or frames by Owner to such web sites does not imply any endorsement of the material on such web sites or any association with their operators, and you access and use such sites, including information, material, products and services therein, solely at your own risk. 
Furthermore, once linked to another web site or when using the information contained on any framed Web site, you should read that site’s terms and conditions and/or privacy statement before disclosing any personal information.

Owner may modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. 
Accordingly, you agree to review the Agreement periodically, and your continued access or use of this Site shall be deemed your acceptance of the modified Agreement.

This Agreement and the resolution of any dispute related to this Agreement or this Site shall be governed by and construed in accordance with the laws of Maine, without giving effect to any principles of conflicts of law. 
Any legal action or proceeding between Owner and/or its affiliates, directors, officers or employees and you related to this Agreement shall be brought exclusively in a federal or state court of competent jurisdiction sitting in Maine, City of Portland, County of Cumberland. Failure of Owner or its affiliates to insist upon strict enforcement of any provision of this Agreement shall not be construed as a waiver of any provision or right. 
You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred.