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This information is important for all users of this site or its
products. Please read it. If you don't understand the terms or
do not accept them, please do not use this site.  Leave it
immediately.               Thank you.
THESE TERMS OF SERVICE (TOS) GOVERN YOUR USE OF THIS SITE, WHICH IS PROVIDED BY OUR
COMPANY. BY ACCESSING THIS SITE, YOU ARE INDICATING YOUR ACKNOWLEDGMENT AND
ACCEPTANCE OF THESE TERMS OF USE.

FRACTAL I-MARKETING AND PAUL ELLIOTT ARE HEREINAFTER REFERRED TO AS THE "COMPANY."  
"VISITOR" OR "USER" APPLIES TO ANYONE WHO ACCESSES THIS SITE OR ITS DATA TO VIEW, UPLOAD
DATA, DOWNLOAD DATA, OR INTERACT IN ANY OTHER WAY OR BY ANY OTHER MEANS.

THESE TERMS OF USE ARE SUBJECT TO CHANGE BY THE COMPANY AT ANY TIME IN ITS DISCRETION.
YOUR USE OF THIS SITE AFTER SUCH CHANGES ARE IMPLEMENTED CONSTITUTES YOUR
ACKNOWLEDGMENT AND ACCEPTANCE OF THE CHANGES. PLEASE CONSULT THESE TERMS OF USE
REGULARLY.

                      Access To This Site

YOU MUST BE EIGHTEEN (18) YEARS OR OLDER TO ACCESS THIS WEB SITE. IF YOU ARE UNDER
EIGHTEEN YEARS OF AGE, YOU ARE NOT PERMITTED TO ACCESS THIS WEB SITE FOR ANY REASON.
DUE TO THE AGE RESTRICTIONS FOR USE OF THIS WEB SITE, NO INFORMATION CONTAINED IN OR
OBTAINED FROM THIS WEB SITE FALLS WITHIN THE CHILD ONLINE PRIVACY ACT (COPA) AND IS
NOT MONITORED AS DOING SO.

To access this site or some of the resources it has to offer, you may be asked to provide certain registration details or
other information. It is a condition of your use of this site that all the information you provide on this site will be
correct, current, and complete. If the Company believes the information you provide is not correct, current, or
complete, we have the right to refuse you access to this site or any of its resources, and to terminate or suspend your
access at any time, without notice.

                   Restrictions On Use

You may use this site for purposes expressly permitted by this site. You may not use this site for any other purpose,
including any commercial purpose, without the Company's express prior written consent. For example, you may not
(and may not authorize any other party to) co-brand this site, frame this site, or hyper-link to this site, without the
express prior written permission of an authorized representative of the Company. For purposes of these Terms of
Use, "co-branding" means to display a name, logo, trademark, or other means of attribution or identification of any
party in such a manner as is reasonably likely to give a user the impression that such other party has the right to
display, publish, or distribute this site or content accessible within this site. You agree to cooperate with the Company
in causing any unauthorized co-branding, framing or hyper-linking immediately to cease.

                 Proprietary Information

The material and content (hereinafter referred to as the "Content") accessible from this site, and any other World
Wide Web site owned, operated, licensed, or controlled by the Company is the proprietary information of the
Company or the party that provided the Content to the Company, and the Company or the party that provided the
Content to the Company retains all rights, title, and interest in the Content. Accordingly, the Content may not be
copied, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of the
Company, or unless authorized in writing elsewhere on the site, except that you may print out a copy of the Content
solely for your personal use. In doing so, you may not remove or alter, or cause to be removed or altered, any
copyright, trademark, trade name, service mark, or any other proprietary notice or legend appearing on any of the
Content. Modification or use of the Content except as expressly provided in these Terms of Use violates the
Company's intellectual property rights. Neither title nor intellectual property rights are transferred to you by access to
this site.

                      Hyper-Links

This site may be hyper-linked to other sites which are not maintained by, or related to, the Company.  Hyper-links to
such sites are provided as a service to users and are not sponsored by or affiliated with this site or the Company.  
The Company has not reviewed any or all of such sites and is not responsible for the content of those sites.  
Hyper-links are to be accessed at the user's own risk, and the Company makes no representations or warranties about
the content, completeness or accuracy of these hyper-links or the sites hyper-linked to this site.  Further, the
inclusion of any hyper-link to a third-party site does not necessarily imply endorsement by the Company of that site.

                     Submissions

You hereby grant to the Company the royalty-free, perpetual, irrevocable, worldwide, non-exclusive right and license
to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display all
content, remarks, suggestions, ideas, graphics, or other information communicated to the Company through this site
(together, hereinafter known as the "Submission"), and to incorporate any Submission in other works in any form,
media, or technology now known or later developed.  The Company will not be required to treat any Submission as
confidential, and may use any Submission in its business (including without limitation, for products or advertising)
without incurring any liability for royalties or any other consideration of any kind, and will not incur any liability as a
result of any similarities that may appear in future Company operations.

The Company will treat any personal information that you submit through this site in accordance with its Privacy
Policy as set forth on this site.

                        Disclaimer

You understand that the Company cannot and does not guarantee or warrant that files available for downloading from
the Internet will be free of viruses, worms, Trojan horses, or other code that may manifest contaminating or
destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your
particular requirements for accuracy of data input and output, and for maintaining a means external to this site for the
reconstruction of any lost data.  Our Company does not assume any responsibility or risk for your use of the Internet.

The Content is not necessarily complete and up-to-date and should not be used to replace any written reports,
statements, or notices provided by Company.  Investors, borrowers, and other persons should use the Content in the
same manner as any other educational medium and should not rely on the Content to the exclusion of their own
professional judgment.

Information obtained by using this site is not exhaustive and does not cover all issues, topics, or facts that may be
relevant to your goals.

YOUR USE OF THIS SITE IS AT YOUR OWN RISK.  The Content is provided "as is" and without warranties of
any kind, either expressed or implied.  The Company disclaims all warranties, including any implied warranties of
merchantability, fitness for a particular purpose, TITLE, OR NON-INFRINGEMENT.  The Company does not
warrant that the functions OR CONTENT contained in this site will be uninterrupted or error-free, that defects will be
corrected, or that this site or the server that makes it available are free of viruses or other harmful components. Our
Company does not warrant or make any representation regarding use, or the result of use, of the content in terms of
accuracy, reliability, or otherwise.

The content may include technical inaccuracies or typographical errors, and the Company may make changes or
improvements at any time.  You, and not the Company, assume the entire cost of all necessary servicing, repair or
correction IN THE EVENT OF ANY LOSS OR DAMAGE ARISING FROM THE USE OF THIS SITE OR ITS
CONTENT.  THE COMPANY MAKES NO WARRANTIES THAT YOUR USE OF THE CONTENT WILL NOT
INFRINGE THE RIGHTS OF OTHERS AND ASSUMES NO LIABILITY OR RESPONSIBILITY FOR ERRORS
OR OMISSIONS IN SUCH CONTENT.

All of the information in this site, whether historical in nature or forward-looking, speaks only as of the date the
information is posted on this site, and the Company does not undertake any obligation to update such information
after it is posted or to remove such information from this site if it is not, or is no longer, accurate or complete.

Last updated: November 30, 2004
©2004 Paul Elliott
©2004 Fractal I-Marketing, World wide rights reserved.  Paul Elliott, 207 N. Service Rd. E, #213, Ruston, LA 71270


Fractal I-Marketing™