Please read this agreement carefully before accessing or using this web site (Site). By accessing or using the Site, you agree to be bound by this agreement. Adair Financial Services provides the information and services on this site to you, the user, conditioned on your acceptance without modification of the terms, conditions and notices contained herein. Your use of this site constitutes your agreement to all such terms, conditions and notices.

The information and services offered on this site are provided with the understanding that Adair Financial Services is not 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.

Adair Financial Services and its agents 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 Adair Financial Services and its suppliers strive to keep the information on this Site accurate, complete and up-to-date, Adair Financial Services, and its suppliers cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness or timeliness of the information.

Personal and Noncommercial Use Limitation: Prohibited Uses

You may access, download and print materials on this Site for your personal and non-commercial use. 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 scraping" or "database scraping" to obtain lists of users or other information. If and when requested by Adair Financial Services, 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. Except with the written permission of Adair Financial Services, you agree to refrain from accessing or attempting to access password protected, secure or non-public areas of this Site. Unauthorized individuals attempting to access prohibited areas of this Site may be subject to prosecution.

No Unlawful or Prohibited Use

As a condition of your use of this Site, you warrant to Adair Financial Services, 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.

Liability Disclaimer

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, Adair Financial Services, is not responsible for those costs.

The information, software, products, and services published on this site may include inaccuracies or typographical errors. Changes are periodically added to the information herein. Adair Financial Services may without prior notice make improvements and/or changes in this site including but not limited to the information, services, products or other material at any time. All information, products, and services are provided "as is" without warranty of any kind. In no event shall Adair Financial Services be liable for any direct, indirect, special or consequential damages arising our of or in any way connected with the use of this site, or for any information, products, material and/or service obtained through this site, whether, based on contract, tort, strict liability or otherwise.

Changes To Agreement

Adair Financial Services 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.

Miscellaneous

This website is applicable to and should only be used by persons 18 years of age or older located within the United States of America. Access and use of this website by persons under the age of 18 or from locations other than the United States is prohibited.