Please read these terms carefully before using this Web Site. Use of this Web Site indicates your acceptance of these terms.

The website owner (Credit & Management Systems, Inc., hereafter “CMS”) maintains this Web Site and all the information, communications, software, scripting, photos, text, graphics, images and other materials and services found on the Web Site (collectively "Content"), for the use of its customers, employees, and members of the general public.

In exchange for using the Web Site, you agree to be bound exclusively by these terms and to comply with all applicable laws and regulations. You represent you have the legal authority to accept these Web Site Terms of Use on behalf of yourself or any party you represent. If any provision of these Web Site Terms of Use is held to be invalid by any law, rule, order, or regulation of any government or by the final determination of any state or federal court, such invalidity shall not affect the enforceability of any other provision of the Web Site Terms of Use.

If you do not agree to these terms, please do not use the Web Site.

The Web Site is controlled and operated in whole or in part by the website owner from its offices within the United States. By accessing the Web Site, you agree that the statutes and laws of the United States and the State of Illinois, without regard to conflicts of laws, will apply to all matters relating to use of the Web Site, and you agree that any litigation relating in any way to the use of the Web Site shall be subject to the jurisdiction of the state or federal courts in Lake County, Illinois.

Those who access the Web Site from other locations do so at their own risk and are responsible for compliance with applicable local laws. The website owner makes no representation that the Content in the Web Site is appropriate or available for use in other locations or that access to it from outside the U.S.A. is legal. As a condition of your use of the Web Site, you warrant to CMS that you will not use the Web Site for any purpose that is unlawful or prohibited by the terms, conditions, and notices contained herein. You shall not, at any time, (a) reverse engineer, decompile or disassemble any portion of the Web Site or tamper in any way with the operation of the Web Site, or (b) insert or make use of any type of disabling device including, but not limited to, viruses, worms, Trojan horses, time bombs, or any similar device that may impair, damage, or interfere with the proper working order of the Web Site. You acknowledge that the website owner reserves the right in its sole discretion to refuse or terminate access to the Web Site by you at any time.

You acknowledge that the Content is the property of the website owner and is protected in the U.S. and internationally by a variety of laws, including but not limited to, copyright laws and treaty provisions, trademark laws and other proprietary rights laws. In addition to the website owner ownership of the Content, the website owner or its licensors owns a copyright in the selection, coordination and arrangement of the Content. Nothing contained in this Web Site shall be construed as conferring any license or right to any copyright, trademark or other proprietary interest of CMS or any third party. The Web Site and the Content may not be copied, distributed, or reproduced in any way, without the prior written consent of CMS, except that you may print a copies of the Content for personal, informational, non-commercial use provided that (i) all copyright, trademark and other proprietary notices are kept intact, and (ii) the Content is not modified in any way. The permission terminates automatically if you breach any of the Web Site Terms of Use. The website owner is not granting you any permission to use the Content other than the permission expressly stated in these Web Site Terms of Use.

Do not send any confidential or proprietary information to the website owner through the Web Site. Any information you do send to the website owner through the Web Site will be deemed not to be confidential. For any non-confidential information you do send, you hereby grant the website owner an unrestricted, royalty-free, irrevocable, worldwide license to use, reproduce, display, perform, modify, transmit, and distribute the non-confidential information, and agree that the website owner is free to use any ideas, concepts or techniques that you send the website owner for any purpose. Your personally-identifiable information you submit to us shall be treated in accordance with our Privacy Policy. You agree to assume the security risk for any information you provide using the Web Site.

The website owner may revise or withdraw the Content, in whole or in part, at any time without notice. The website owner may at any time revise these Web Site Terms of Use by updating this posting. By using the Web Site, you agree to be bound by any such revisions and you agree to periodically visit this page to determine the then current Web Site Terms of Use to which you are bound.

The Web Site may contain hyperlinks to web sites operated by parties other than the website owner. Such hyperlinks are provided for your reference only. The website owner does not control such web sites and is not responsible for their contents. The website owner's inclusion of hyperlinks to such web sites does not imply any endorsement of the material on such web sites or any association with their operators. The website owner is not responsible for damages or losses caused by any delays, defects or omissions that may exist in the services, information or other content provided in such web sites, whether actual, alleged, consequential or punitive. The website owner makes no guarantees or representations as to, and shall have no liability for, any electronic content delivered by any third party, including, without limitation, the accuracy, subject matter, quality or timeliness of any electronic content.

IN NO EVENT WILL THE WEBSITE OWNER, ITS SUPPLIERS, OR OTHER THIRD PARTIES MENTIONED AT THIS SITE BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOST PROFITS, LOST DATA OR BUSINESS INTERRUPTION) ARISING OUT OF THE USE, INABILITY TO USE, OR THE RESULTS OF USE OF THIS SITE, ANY WEB SITES LINKED TO THIS SITE, OR THE MATERIALS OR INFORMATION OR SERVICES CONTAINED AT ANY OR ALL SUCH SITES, WHETHER BASED ON WARRANTY, CONTRACT, TORT OR ANY OTHER LEGAL THEORY AND WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOUR USE OF THE MATERIALS, INFORMATION OR SERVICES FROM THIS SITE RESULTS IN THE NEED FOR SERVICING, REPAIR OR CORRECTION OF EQUIPMENT OR DATA, YOU ASSUME ALL COSTS THEREOF. APPLICABLE LAW MAY NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

The trademarks, logos and service marks ("Marks") displayed on this Site are registered, common law trademarks and are the property of the website owner or other third parties. You are not permitted to use the Marks without the prior written consent of the website owner or such third party which may own the Marks. Nothing on this Web Site should be interpreted, by implication or otherwise, as granting permission or license to use the Marks, whether the website owner Marks or those of a third party.