Please read these terms carefully before using this Site because they contain legal obligations.

By using the Site or downloading Materials from the Site, you agree, without limitation or qualification, to abide by the terms and conditions set forth in this notice. If you do not agree to abide by these terms and conditions do not use the Site or download Materials from the Site. We reserve the right to modify them at any time or revoke any and all access and use authorizations granted to visitors of the ARRAY Development Sites. You should check these terms and conditions periodically for changes. By using this site after we post any changes to these terms and conditions, you agree to accept those changes, whether or not you have reviewed them.

You acknowledge and agree that ARRAY Development may terminate your access to DeLiberation™ Financial Calculator Web site or to any of our Products and Services should you fail to comply with the Terms and Conditions or any other guidelines and rules published by ARRAY Development Any such termination shall be in ARRAY Development' sole discretion and may occur without prior notice, or any notice. ARRAY Development further reserves the right to terminate any user's access to DeLiberation™ Financial Calculator Web site or to any of our Products and Services for any reason or for no reason at all, or for any conduct that ARRAY Development, in its sole discretion, believes is or may be directly or indirectly harmful to other users, to ARRAY Development or its subsidiaries, affiliates, or business contractors, or to other third parties, or for any conduct that violates any local, state, federal, or foreign laws or regulations.

When you are using any service or product on this Site that does not have a separate legal Agreement, the Terms and Conditions set forth here will apply.

ARRAY Development reserves the right to monitor some, all, or no areas of the Products and Services for adherence to these Terms and Conditions or any other rules or guidelines posted by ARRAY Development

Any rights not expressly granted herein are reserved.

No document, software or databases contained within this site can be reproduced in whole or in part for the purposes other than the personal use of the viewer, without the express consent of ARRAY Development. If quoting, please cite the source. If you download any materials, you must keep all copyright, trademark, and other notices intact. For journal articles, copyright remains with the original author(s) who retain control over any subsequent use of the material. Anyone seeking permission to reproduce such material will be referred to the original author(s) or the copyright owner.

The opinions expressed on this site are not necessarily those of ARRAY Development Information presented on this site is compiled from the sources believed to be accurate. However, ARRAY Development is neither financially, nor legally, nor morally responsible for the veracity or use of this information.

All other marks that appear throughout the Products and Services belong to ARRAY Development, or the respective owners of such marks, and are protected by U.S., Canada and international copyright and trademark laws. Any use of any of the marks appearing throughout the Products and Services without the express written consent of ARRAY Development or the owner of the mark, as appropriate, is strictly prohibited.

Certain of the Products and Services will require the user to register and provide certain data. In consideration of use of such Products and Services, in registering and providing such data, you represent and warrant that:

1. The information about yourself is true, accurate, current, and complete (apart from optional items) as required by various DeLiberation™ Financial Calculator registration forms ("Registration Data") and

2. You will maintain and promptly update the Registration Data to keep it true, accurate, current and complete.

If you provide any information that is untrue, inaccurate, not current or incomplete, or ARRAY Development has reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete, ARRAY Development has the right to suspend or terminate your account and refuse any and all current or future use of the Products and Services.

Upon registering with DeLiberation™ Financial Calculator, you might receive a password and an ID. You are responsible for maintaining the confidentiality of the password and ID, and are fully responsible for all activities that occur under your password or ID. You agree to

ARRAY Development cannot and will not be liable for any loss or damage arising from your failure to comply with these requirements.

This Site is controlled, operated and administered by ARRAY Development from its offices within Canada or the United States of America. ARRAY Development makes no representation that Materials at this Site are appropriate or available for use at other locations outside of Canada or the US and access to them from territories where their contents are illegal is prohibited.

Persons who choose to access this site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable.

You may not use the Site or export the Materials in violation of Canadian and U. S. export laws and regulations. If you access this Site from a locations outside of Canada or the US, you are responsible for compliance with all local laws. These Terms and Conditions of use shall be governed by the laws of the Province of Ontario, without giving effect to its conflict of laws provisions.

This Agreement constitutes the entire Agreement between ARRAY Development and you with respect to your use of the Site. Any cause of action you may have with respect to your use of the Site must be commenced within one (1) year after the claim or cause of action arises.

This Agreement may be modified only by our posting of changes to these terms and conditions, or by a writing signed by both parties. If for any reason a court of competent jurisdiction finds any provision of the Agreement or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of the Agreement, and the remainder of this Agreement shall continue in full force and effect.

Subject to the terms and conditions set forth in this Agreement, ARRAY Development grants you a non-exclusive, non-transferable, limited right to access, use and display this Site and the Materials thereon. You agree not to interrupt or attempt to interrupt the operation of the Site in any way.

ARRAY Development authorizes you to view and download the information ("Materials") at this Web site ("Site") only for your personal, non-commercial use. This authorization is not a transfer of title in the Materials and copies of the Materials and is subject to the following restrictions:

1. You must retain, on all copies of the Materials downloaded, all copyright and other proprietary notices contained in the Materials;

2. You may not modify the Materials in any way or reproduce or publicly display, perform, or distribute or otherwise use them for any public or commercial purpose; and

3. You must not transfer the Materials to any other person unless you give them notice of, and they agree to accept, the obligations arising under these terms and conditions of use. you agree, without limitation or qualification, to abide by all additional restrictions displayed on the Site as it may be updated from time to time.

Except as expressly provided herein, ARRAY Development does not grant any express or implied right to you under any patents, trademarks, copyrights or trade secret information.

ARRAY Development reserves the right, at its sole discretion, to change, modify, add or remove any portion of this Agreement in whole or in part, at any time. Changes in this Agreement will be effective when notice of such change is posted. Your continued use of the Site after any changes to this Agreement are posted will be considered acceptance of those changes.

ARRAY Development may terminate, change, suspend or discontinue any aspect of the DeLiberation™ Financial Calculator Site, including the availability of any features of the Site, at any time. ARRAY Development may also impose limits on certain features and services or restrict your access to parts or all of the Site without notice or liability. ARRAY Development may terminate the authorization, rights and license given above and, upon such termination, you shall immediately destroy all Materials.

1. Upload, post, email, otherwise transmit, or post links to any Content, or select any member or user name or email address, that violates any intellectual property rights, is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, pornographic, libelous, invasive of privacy or publicity rights, hateful, or racially, sexually, ethnically or otherwise objectionable.

2. Upload, post, email, otherwise transmit, or post links to any Content that promotes illegal activity, including without limitation the provision of instructions for illegal activity.

3. Upload, post, email, otherwise transmit, or post links to any Content that exploits the images of children under 18 years of age, or that discloses personally identifying information belonging to children under 18 years of age.

4. "Stalk" or otherwise harass another.

5. Collect or store personally identifying information about other users for commercial or unlawful purposes.

6. Impersonate any person or entity, including, but not limited to, a ARRAY Development official, employee, DeLiberation™ Financial Calculator forum leader, guide or host, or falsely state or otherwise misrepresent your affiliation with a person or entity.

7. Employ misleading email addresses or falsify information in the header, footer, return path, or any part of any communication, including emails, transmitted through the Products and Services.

8. Upload, post, email, otherwise transmit, or post links to any Content that you do not have a right to transmit under any law or regulation or under contractual or fiduciary relationships (such as inside information, or proprietary and confidential information learned or disclosed as part of employment relationships or under nondisclosure Agreements).

9. Upload, post, email, or otherwise transmit, or post links to any Content that facilitates hacking.

10. Upload, post, email, otherwise transmit, or post links to any Content that infringes any patent, trademark, service mark, trade secret, copyright or other proprietary rights ("Rights") of any party, or contributing to inducing or facilitating such infringement. This prohibition shall include, without limitation, the following forms of software piracy:

    1. Making available copyrighted software or other Content that has had the copyright protection removed.

    2. Making available serial numbers for software that can be used to illegally validate or register software.

    3. Making available tools that can be used for no purpose other than for "cracking" software or other copyrighted Content.

    4. Making available any software files for which the user does not own the copyright or have the legal right to make available.

11. Upload, post, email, otherwise transmit, or post links to any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation, except in those areas that are designated for such purpose.

12. Upload, post, email, otherwise transmit, or post links to any material that contains software viruses, worms, trojan horses, time bombs, trap doors or any other computer code, files or programs or repetitive requests for information designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment or to diminish the quality of, interfere with the performance of, or impair the functionality of the DeLiberation™ Financial Calculator Products and Services.

13. Use automated means, including spiders, robots, crawlers, or the like to download data from any DeLiberation™ Financial Calculator database.

14. Conduct your own contests and promotions.

15. Upload, post, email, otherwise transmit, or post links to any Content regarding any raffle, contest or game requiring a fee by participants.

16. Modify, publish, transmit, transfer or sell, reproduce, create derivative works from, distribute, perform, link, display or in any way exploit any Content from any ARRAY Development database, including, without limitation, by incorporating data from any DeLiberation™ Financial Calculator database into any e-mail or "white pages" products or serviced, whether browser-based, based on proprietary client-site applications, web-based, or otherwise.

17. Sell, distribute, or make any commercial use of data obtained from any ARRAY Development database or make any other use of data from any DeLiberation™ Financial Calculator database in a manner which could be expected to offend the person for whom the data is relevant.

18. Create and maintain a DeLiberation™ Financial Calculator web page as storage for remote loading, or as a door or signpost to another homepage.

19. Create and maintain a DeLiberation™ Financial Calculator web page that contains hyperlinks to content not permitted on DeLiberation™ Financial Calculator.

20. Intentionally or unintentionally violate any applicable local, state, national or international law, including, but not limited to, regulations promulgated by the U.S. Securities and Exchange Commission, any rules of any national or other securities exchange, including, without limitation, the New York Stock Exchange, the American Stock Exchange or the NASDAQ, and any regulations having the force of law.

21. Use the Products or Services to sell, purchase, or offer to sell or purchase any registered or unregistered securities.

22. Upload, post, email, otherwise transmit, or post links to any material that is false, misleading, or designed to manipulate any equity, security, or other market.

23. Access the Products and Services after your account or access has been terminated by ARRAY Development

24. Fail to complete any transaction after submitting an order to purchase any goods or services from individual Merchants in DeLiberation™ Financial Calculator Shop subject to the individual Merchant's or seller's terms and conditions governing such transactions.

25. Submit any order to purchase goods or services from individual Merchants in DeLiberation™ Financial Calculator Shop or from any seller in DeLiberation™ Financial Calculator Auctions where you do not intend to complete the transaction.

26. Purchase any goods or services that you are prohibited from purchasing or possessing by any law applicable to you in your jurisdiction. The responsibility for ensuring compliance with all such laws shall be the user's alone. By submitting an order to purchase goods or services, you represent and warrant that you have the legal right to purchase such goods or services.

27. Use any software deployed in connection with the Products and Services to process data as a service to other entities without the express written consent of ARRAY Development or the party from whom such software may be licensed.

28. Decompile, disassemble, modify, translate, adapt, reverse engineer, create derivative works from, or sublicense any software deployed in connection with the Products and Services.

29. Advertise, offer for sale, or sell any item you are prohibited from advertising or selling by any applicable local, state, national, or international law, including regulations having the force of law.

30. Upload, post, email, otherwise transmit, or post links to any material, or act in any manner, that is offensive to DeLiberation™ Financial Calculator community or the spirit of these Terms and Conditions.

31. Advertise, offer for sale, or sell any of the following items:

• Any firearms, explosives, or weapons.

• Any food that is not packaged or does not comply with all laws governing the sale of food to consumers by commercial merchants.

• Any alcoholic beverages.

• Any tobacco products for human consumption, including, without limitation, cigarettes and cigars.

• Any items that are indecent or obscene, that are hateful or racially, sexually, ethnically or otherwise objectionable, that contain child pornography, that are otherwise pornographic in nature, or are harmful to minors.

• Any controlled substances or pharmaceuticals.

• Any items that are counterfeit or stolen.

• Any dangerous items.

• Any goods or services that do not, in fact, exist.

• Any registered or unregistered securities.

• Any items that violate or infringe the rights of other parties.

• Any items that you do not have the legal right to sell.

• Any items where paying DeLiberation™ Financial Calculator any of the required transactional or listing fees would cause ARRAY Development to violate any law.

The information contained in or made available through the ARRAY Development Sites and that of its affiliated companies and any of its or their respective licensors or suppliers (including but not limited to information contained in text files, clubs, discussion groups, journals, databases, directories, guestbooks, compendia and mailing lists,or in text files) cannot replace or substitute for the services of trained professionals in any field, including, but not limited to, financial, security, legal or medical matters.

Neither ARRAY Development nor any of its affiliated companies nor any of its or their respective licensors or suppliers make representations or warranties concerning any treatment, action, application or preparation by any person following the information offered or provided within or through DeLiberation™ Financial Calculator Site. Neither we nor our partners, or any of their affiliates, will be liable for any direct, indirect, consequential, special, exemplary or other damages that may result, including but not limited to economic loss, injury, illness or death.

The products and services are provided "as is," with no warranties whatsoever. All express, implied, and statutory warranties, including, without limitation, the warranties of merchantability, fitness for a particular purpose, and non-infringement of proprietary rights, are expressly disclaimed to the fullest extent permitted by law.

To the fullest extent permitted by law, ARRAY Development disclaims any warranties for the security, reliability, timeliness, and performance of the products and services. To the fullest extent permitted by law, ARRAY Development disclaims any warranties for other services or goods received through or advertised on the products and services or received through any links provided in the products and services, as well as for any information or advice received through the products and services or through any links provided in the products and services. ARRAY Development similarly disclaims, to the fullest extent permitted by law, any warranties for any information or advice obtained through the products and services.

The Materials may contain inaccuracies and typographical errors. ARRAY Development does not warrant the accuracy or completeness of the Materials or the reliability of any advice, opinion, statement or other information displayed or distributed through the Site. You acknowledge that any reliance on any such opinion, advice, statement, memorandum, or information shall be at your sole risk. ARRAY Development reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the Site. ARRAY Development can make any other changes to the Site, the Materials and the products, programs, services or prices (if any) described in the Site at any time without notice.

Neither ARRAY Development nor any of its affiliated companies nor any of its or their respective licensors or suppliers warrant that any functions contained in the ARRAY Development sites will be uninterrupted or error-free, that defects will be corrected, or that the ARRAY Development sites or the server that makes them available are free of viruses or other harmful components.

Neither ARRAY Development nor any of its affiliated companies nor any of its or their respective licensors or suppliers warrant or make any representations regarding the use or the results of the use of the services, products or materials in this site in terms of their correctness, accuracy, reliability, or otherwise. You (and not ARRAY Development or any of its affiliated companies or any of its or their respective licensors or suppliers) assume the entire cost of all necessary servicing, repair or correction.

We do not endorse, warrant or guarantee any products or services offered on the DeLiberation™ Financial Calculator Site. We are not a party to, and do not monitor any transaction between users and third party providers of products or services.

You expressly understand and agree that ARRAY Development disclaims any and all responsibility or liability for the accuracy, content, completeness, legality, reliability, operability or availability of information or material in the Products and Services. ARRAY Development disclaims any responsibility for the deletion, failure to store, failure of performance, misdelivery or untimely delivery of any information or material, any inaccuracy, error, omission, interruption, completeness, defect, communication line failure, alteration of, or use of any content herein, regardless of cause, for any damages resulting therefrom. ARRAY Development disclaims any responsibility or liability for any harm resulting from downloading or accessing any information or material through the Products and Services, including, without limitation, for harm caused by viruses or similar contamination or destructive features. ARRAY Development makes no warranty regarding the reliability or accessibility of member web pages or any storage facilities offered by DeLiberation™ Financial Calculator.

You understand and agree that any material downloaded or otherwise obtained through the use of the Products and Services is done at your own discretion and risk and that you will be solely responsible for any damages to your computer system or loss of data that results in the download of such material. The user assumes the entire cost of all necessary maintenance, repair or correction.

Some jurisdictions do not allow the disclaimer of implied warranties. In such jurisdictions, the foregoing disclaimers may not apply to you insofar as they relate to implied warranties.

You expressly understand and agree that under no circumstances, including but not limited to negligence, shall ARRAY Development or any of its affiliated companies or any of its or their respective licensors or suppliers be liable to any user on account of that user's use or misuse of and reliance on the Products and Services or for any special or consequential damages that result from the use of, or the inability to use, the materials on the ARRAY Development Sites, or any Products or Services provided pursuant to the ARRAY Development Sites, even if advised of the possibility of such damages. Such limitation of liability shall apply to prevent recovery of direct, indirect, incidental, consequential, special, exemplary and punitive damages (even if ARRAY Development has been advised of the possibility of such damages). Such limitation of liability shall apply whether the damages arise from use or misuse of and reliance on the Products and Services, from inability to use the Products and Services, or from the interruption, suspension, or termination of the Products and Services (including such damages incurred by third parties).

Such limitation shall also apply with respect to damages incurred by reason of other services or goods received through or advertised on the Products and Services or received through any links provided in the Products and Services, as well as by reason of any information or advice received through or advertised on the Products and Services or received through any links provided in the Products and Services. Such limitation shall apply to the costs of procurement of substitute goods or services, lost profits, or lost data. Such limitation shall apply with respect to the performance or non-performance of the Products and Services or any information or merchandise that appears on, or is linked or related in any way to, ARRAY Development Such limitation shall apply notwithstanding any failure of essential purpose of any limited remedy. Such limitation shall apply to the fullest extent permitted by law.

Such limitation of liability shall also apply to any damage caused by loss of access to, deletion of, failure to store, failure to back up, or alteration of member web pages or other content stored through the ARRAY Development For all claims relating to Products and Services performance or nonperformance under these terms and conditions, whether in contract, tort, strict liability, or otherwise, including without limitation, claims for failure of the system to operate, in no event shall the total liability to you of ARRAY Development or any of its affiliated companies or their respective licensors or suppliers for all damages, losses, and causes of action, whether arising in contract, tort, strict liability, or otherwise, exceed the fee, if any paid by the user for the Product or Service.

Under no circumstances shall ARRAY Development be held liable for any delay or failure in performance resulting directly or indirectly from acts of nature, forces, or causes beyond its reasonable control, including, without limitation, Internet failures, computer equipment failures, telecommunication equipment failures, other equipment failures, electrical power failures, strikes, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, floods, storms, explosions, acts of god, war, governmental actions, orders of domestic or foreign courts or tribunals, non-performance of third parties, or loss of or fluctuations in heat, light, or air conditioning.

In some jurisdictions, limitations of liability are not permitted. In such jurisdictions, the foregoing limitation may not apply to you.

ARRAY Development offers access to numerous third party web pages and content available over the Internet. In the overwhelming majority of instances, including, but not limited to, sites displayed as search results or contained within a directory of links, ARRAY Development has no control whatsoever over the content of such sites. In other instances, ARRAY Development may set guidelines for what may appear on such web pages and may engage in certain screening, but generally exercises no control over the content of such web pages and is unable to police all such content. Third party content accessible through DeLiberation™ Financial Calculator from such sources is developed by people over whom ARRAY Development exercises no control. Accordingly, ARRAY Development assumes no responsibility for the content of any site included in any search results or otherwise linked to the DeLiberation™ Financial Calculator web site.

ARRAY Development is absolutely not responsible for the content of messages placed by any third party on any or all of the interactive services provided by ARRAY Development. Note that the individuals posting libelous or defamation materials on ARRAY Development interactive services are themselves assuming full liability for the consequences.

We are not responsible for the availability of any other site to which any of ARRAY Development Sites links. Under no circumstances will we be held responsible or liable, directly or indirectly, for any loss or damage that is caused or alleged to have been caused to you in connection with your use of, or reliance on, any content, goods or services available on any other site. You should direct any concerns to that site's administrator or webmaster.

ARRAY Development may, at its discretion, require users under 18 to obtain the consent of a parent or guardian to view certain content, and ARRAY Development may limit access to certain content to users above a specified age. You agree to abide by any such restrictions, and not to help anyone avoid these restrictions.

Users of DeLiberation™ Financial Calculator Communities that include all DeLiberation™ Financial Calculator text files, clubs, discussion groups, journals, databases, directories, guestbooks, compendia and mailing lists, are expected to adhere to the guidelines below and are expected not to engage in any of the Prohibited Conduct described above. Any user failing to comply with these Terms and Conditions may be expelled from a club, discussion group, journal, directory, guestbook, compendium and mailing list by a DeLiberation™ Financial Calculator moderator or host, and ARRAY Development may terminate or restrict such user's DeLiberation™ Financial Calculator accounts. In addition, ARRAY Development may remove any Content that violates these Terms and Conditions or is otherwise objectionable, in ARRAY Development' sole discretion. No child under the age of 13 may participate in DeLiberation™ Financial Calculator Communities, including all clubs, discussion groups, journals, directories, guestbooks, compendia and mailing lists offered throughout DeLiberation™ Financial Calculator.

Please read all the Prohibited Conduct described above before using DeLiberation™ Financial Calculator Communities' services, and keep in mind the following when using DeLiberation™ Financial Calculator Communities' services:

• All information you submit in registering must be true, accurate, current, and complete (apart from optional items).

• Do not use any Communities in a commercial manner. You may not post material that solicits funds, or that advertises or solicits goods or services. You may not post messages that contain stock touts.

• Do not upload, post, email, otherwise transmit, or post links to any Content, or select any member or user name or email address, that violates any intellectual property rights, is unlawful, harmful, threatening, abusive, harassing, tortious, defamatory, vulgar, obscene, pornographic, libelous, invasive of privacy or publicity rights, hateful, or racially, sexually, ethnically or otherwise objectionable.

• Do not stalk or otherwise harass other users.

• Do not upload, post, email, otherwise transmit, or post links to any Content that promotes illegal activity, including without limitation the provision of instructions for illegal activity.

• Do not upload, post, email, otherwise transmit, or post links to any Content that exploits the images of children under 18 years of age, or that discloses personally identifying information belonging to children under 18 years of age.

• Do not impersonate any person or entity, including, but not limited to, a ARRAY Development official, employee, DeLiberation™ Financial Calculator forum leader, guide or host, or falsely state or otherwise misrepresent your affiliation with a person or entity.

• Do not upload, post, email, otherwise transmit, or post links to any unsolicited or unauthorized advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation, except in those areas that are designated for such purpose

• Do not disobey any DeLiberation™ Financial Calculator moderators or other ARRAY Development employee or representative to redress any violation of these Terms and Conditions.

• Do not access any DeLiberation™ Financial Calculator Communities' service after your account or access has been terminated by ARRAY Development

• Do not upload, post, email, or otherwise transmit, or post links to any Content that facilitates hacking.

• Do not interfere with or disrupt the Products and Services or servers or networks connected to the Products and Services, or disobey any requirements, procedures, policies or regulations of networks connected to the Products and Services.

Violations of these Terms and Conditions in connection with the use of DeLiberation™ Financial Calculator Communities should be reported to:

Communications
ARRAY Development
Email: array (at) ARRAYdev.com

ARRAY Development is always improving its Products and Services and developing new features. If you have comments or ideas regarding improvements or additions to DeLiberation™ Financial Calculator, we would like to hear them -- but any submission will be subject to these Terms and Conditions.

You recognize that ARRAY Development does not want you to, and you warrant that you shall not, provide any information or Materials to ARRAY Development that is defamatory, threatening, obscene, harassing, or otherwise unlawful, or that incorporates the proprietary material.

By posting on DeLiberation™ Financial Calculator Site, you grant (or warrant that the owner of such rights has expressly granted) ARRAY Development and/or relevant affiliated companies the worldwide, perpetual, nonexclusive right to use your questions, comments, and postings, in their original or edited form, in television programs, books, articles, commentaries, or in any other medium now known or later developed. You also warrant that you own or otherwise control all of the rights to the content you have posted and that the public posting and use of such content by DeLiberation™ Financial Calculator will not infringe the rights of any third party. Additionally, you warrant that any "moral rights" in posted materials have been waived. You are not entitled to any compensation for such use.

Under no circumstances shall any disclosure of any idea or related materials to DeLiberation™ Financial Calculator be subject to any obligation of confidentiality or expectation of compensation. By submitting the idea and/or any related material to DeLiberation™ Financial Calculator you are waiving any and all rights that you may have in the idea or any related materials and are representing and warranting to ARRAY Development that the idea and/or related materials are wholly original with you, that no one else has any rights in the idea and/or materials and that ARRAY Development is free to implement the idea and to use the materials if it so desires, as provided or as modified by ARRAY Development, without obtaining permission or license from any third party.

We will exclusively own all known or later-existing rights to the Submission worldwide, and will be entitled to the unrestricted use of the Submission for any purpose, without compensation to the provider of the Submission.

DeLiberation™ Financial Calculator may provide, or third parties may provide, links to other sites or resources located on the World Wide Web. ARRAY Development has no control over such sites and resources. You acknowledge and agree that ARRAY Development is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that ARRAY Development shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such site or resource.

Your correspondence or business dealings with, or participation in promotions of, advertisers found on or through DeLiberation™ Financial Calculator Products and Services, including payment and delivery of related goods or services, and any other terms, conditions, warranties or representations associated with such dealings, are solely between you and such advertiser. You agree that ARRAY Development shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Product and Services.

ARRAY Development encourages you to exercise discretion while using the Products and Services to browse the Internet. DeLiberation™ Financial Calculator may link you to sites containing information that some people may find inappropriate or offensive. ARRAY Development makes no representations concerning any effort to review the content of any of the sites listed in Web Guides or other directories, or of any of the sites otherwise linked to DeLiberation™ Financial Calculator web site. ARRAY Development shall not be held responsible for the accuracy, copyright or trademark compliance, legality, or decency of material contained in sites listed in DeLiberation™ Financial Calculator directories or otherwise linked to DeLiberation™ Financial Calculator web site or provided to DeLiberation™ Financial Calculator by third parties.

Except as expressly provided, nothing within any of the Products and Services shall be construed as conferring any license under any of the ARRAY Development's or any third party's intellectual property rights, whether by estoppel, implication, waiver, or otherwise. Without limiting the generality of the foregoing, you acknowledge and agree that certain Content available through and used to operate DeLiberation™ Financial Calculator and the Products and Services is protected by copyright, trademark, patent, or other proprietary rights of ARRAY Development and its affiliates, licensors and service providers.

Except as expressly provided to the contrary, you agree not to modify, alter, or deface any of the trademarks, service marks, or other intellectual property made available by ARRAY Development in connection with the Products and Services.

You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, or other content, products or services obtained from the DeLiberation™ Financial Calculator Site without the express written permission of ARRAY Development

You agree not to hold yourself out as in any way sponsored by, affiliated with, or endorsed by ARRAY Development, any of ARRAY Development' affiliates, or any of DeLiberation™ Financial Calculator service providers. You agree not to use any of the trademarks or service marks or other Content accessible through DeLiberation™ Financial Calculator for any purpose other than the purpose for which such Content is made available to users by DeLiberation™ Financial Calculator. You agree not to defame or disparage ARRAY Development, the trademarks or service marks of ARRAY Development, or any aspect of the Products and Services. You agree not to adapt, translate, modify, decompile, disassemble, or reverse engineer the Products and Services or any software or programs used in connection with the Products and Services or ARRAY Development

By using DeLiberation™ Financial Calculator web site you agree to indemnify ARRAY Development and its parents, subsidiaries, affiliates, officers, and employees and hold them harmless from any and all claims and expenses, including attorney's fees, arising from your use of DeLiberation™ Financial Calculator web sites, your use of the Products and Services, or your submission of ideas and/or related materials to DeLiberation™ Financial Calculator or from any person's use of any account or password you maintain with any portion of DeLiberation™ Financial Calculator, regardless of whether such use is authorized by you.

If you are dissatisfied with any material on any ARRAY Development Sites, or with these terms and conditions of use, your sole and exclusive remedy is to discontinue using DeLiberation™ Financial Calculator site.

By using ARRAY Development, using the Products and Services, or submitting any ideas and/or related materials to ARRAY Development, you are hereby agreeing to release ARRAY Development and its parents, subsidiaries, affiliates, officers, and employees from any and all claims, demands, debts, obligations, damages (actual or consequential), costs, and expenses of any kind or nature whatsoever, whether known or unknown, suspected or unsuspected, disclosed or undisclosed, that you may have against them arising out of or in any way related to such disputes and/or to the Products and Services or to any disputes regarding use of ideas and/or related materials submitted to ARRAY Development

You hereby agree to waive all laws that may limit he efficacy of such releases. For example, you specifically agree to waive the provisions of 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 is known by him must have materially affected his settlement with the debtor."

You acknowledge and agree that, regardless of any statute or law to the contrary, any claim or cause of action you may have arising out of, or relating to, your use of DeLiberation™ Financial Calculator or the Products and Services must be filed within one (1) year after such claim or cause of action arises, or forever be barred.

You acknowledge and agree that you and ARRAY Development are independent contractors under these Terms and Conditions, and nothing herein shall be construed to create a partnership, joint venture, agency, or employment relationship. Neither party pursuant to these Terms and Conditions has authority to enter into Agreements of any kind on behalf of the other and neither party shall be considered the agent of the other.

You agree not to resell, assign, sublicense, otherwise transfer, or delegate your rights or obligations under these Terms and Conditions without prior express written authorization of ARRAY Development

Without in any way limiting the prohibition on your resale, assignment, sublicensing, or other transfer of rights or obligations, these Terms and Conditions shall be binding upon and inure to the benefit of the parties hereto and their respective heirs, successors, and assigns.

These Terms and Conditions shall continue in effect for as long as you use the Products and Services, unless specifically terminated earlier by ARRAY Development All provisions of these Terms and Conditions which impose obligations continuing in their nature shall survive termination of these Terms and Conditions.

ARRAY Development reserves the right to communicate with you regarding your use of the Products and Services.

Should you violate these Terms and Conditions or any other rights of ARRAY Development, ARRAY Development reserves the right to pursue any and all legal and equitable remedies against you, including, without limitation, terminating any and all user accounts on any and all of the ARRAY Development web sites.

ARRAY Development' failure to exercise any right or provision of these Terms and Conditions shall not constitute a waiver of such right or provision. If a court of competent jurisdiction holds any provision of these Terms and Conditions to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and agree that the other provisions of these Terms and Conditions remain in full force and effect.

If any of these terms and conditions are found unlawful, void, or for any reason unenforceable, then that provision will be considered severable from the remaining terms and conditions, and will not affect the validity and enforceability of the remaining provisions.

ARRAY Development reserves the right to modify the Products and Services from time to time, for any reason, and without notice, including the right to terminate the Products and Services.

ARRAY Development reserves the right to modify these Terms and Conditions from time to time, without notice. Please review these Terms and Conditions from time to time so you will be apprised of any changes.

Unless expressly stated to the contrary elsewhere within the Products and Services, all legal issues arising from or related to the use of the Products and Services shall be construed in accordance with, and all questions with respect thereto shall be determined by the laws of the Province of Ontario, Canada applicable to contracts entered into and wholly to be performed within said state.

Any controversy or claim arising out of or relating to these Terms and Conditions or any user's use of the Products and Services shall be settled by binding arbitration in accordance with the commercial arbitration rules of the Canadian Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in Ottawa, Ontario, and judgment on the arbitration award may be entered into in any provincial or federal court in Ontario having jurisdiction thereof.

Any party seeking temporary or preliminary injunctive relief may do so in any provincial or federal court in Ontario having jurisdiction thereof. Except as set forth above, the provincial or federal court in Ontario shall be the exclusive forum and venue to resolve disputes arising out of or relating to these Terms and Conditions or any user's use of the Products and Services. By using the Products and Services and thereby agreeing to these Terms and Conditions, users consent to personal jurisdiction and venue in the provincial or federal court in Ontario with respect to all such disputes.

This Privacy Statement discloses the privacy practices for DeLiberation™ Financial Calculator (http://www.ARRAYdev.com/fin-calc/).  

1. Information Collection and Use
   DeLiberation™ Financial Calculator will not sell, share or rent information collected on this Site.  

2. Unsolicited Messages
   No unsolicited email, faxes or surface mail will be sent to individuals who provide information to this Site.  

3. Privacy
   You will be notified of:
   
   1. Personally identifiable information about you that is collected on this website.
   2. How the information is used.
   3. How you can correct any inaccuracies in the information that relates to you.
    
   

4. Log Files
   IP addresses and domain names are used to administer the Site, track user movement and gather demographic information for aggregate use. Due to the nature and traceability of IP addresses, the computer and/or corporation and/or individual of origin may be deduced from this information. We will not knowingly provide information which will lead to such deduction.  

5. Sharing
   Some information may be displayed on this Site as aggregated demographic information and shared with our partners and advertisers. This does not contain any information that can identify any individual or corporation.  

6. Security
   This Site takes every precaution to protect users' information. When users submit sensitive information via the website, their information is protected both online and offline.  

7. Supplementation of Information
   To properly fulfill our obligations to customers, we supplement the information we receive with information from third-party sources. For example, to determine if our customers qualify for a payment by a credit card, we might use their name and other private information to validate their credit. Once that is done, this information is destroyed.  

8. Correction Updating Personal Information
   If a user's personal information changes, we will provide a way to correct, update or remove that user's personal data.  

9. Choice Opt-in
   Our users are given the option of permitting their information to be used to selectively send them information, either by ARRAY Development or other parties, at the point where we ask for the information. This information will not be provided to other parties, but directed to the users by ARRAY Development.  

10. Share Information
    It is possible that ARRAY Development, its subsidiaries, its joint ventures or any combination of such could merge with or be acquired by another business entity. Should such a combination occur, you should expect that ARRAY Development would share some or all of your information in order to continue to provide the service. If ARRAY Development will be selling a substantial majority of the assets for its services, including the customer and/or user database, to an organization that will be using the database for related purposes and will maintain the same privacy policy, or if ARRAY Development will be transferring information to a subsidiary, we will give 30 days prominent notice on our Web site prior to the transfer.