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The following are some of the terms and conditions that govern your use of this website (http://www.cfacts.com/), which is owned and maintained by Credit-facts, Inc. ("cfacts"):

cfacts does not warrant any Content contained on or obtained through its website. "Content" includes, but is not limited to, programming code, characters, words, phrases, and images. Users seeking to rely on information gathered from this website are reminded that the nature of computers and the World Wide Web allows for simple digital altering, copying, and transmission without the knowledge of the originator of the information. The only information that shall be considered a Work Product of cfacts is a hard-copy of such information, produced by cfacts pursuant to a customer order accepted by cfacts, printed on paper, with an embossed seal imprinted thereon (a "Work Product"). Work Products are sent to customers via physical transportation, including but not limited to U.S. Mail, FedEx, United Parcel Service, and RPS, and will only be considered Work Products if the embossed seal appears thereon. The use of such Work Products and cfacts' liability or warranty therefor, if any, shall be as set forth in the accepted order between cfacts and its customer.

The content of this website may be subject to copyright, trade secret, or other intellectual property or ownership rights of cfacts; although, to the knowledge of cfacts, it is permitted to make the content on this website available to you, any modification, copying, re-distribution, re-use, or other re-transmission of the content on this website or any portion of the data and drawings contained therein is expressly prohibited.

THE CONTENT OF THIS WEBSITE IS PROVIDED FOR YOUR CONVENIENCE AND WITHOUT WARRANTY, EXPRESS OR IMPLIED, AS TO ACCURACY, COMPLETENESS, PERMANENCE, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. Without limiting the foregoing, cfacts shall have no obligation to provide technical support to you, and cfacts makes no warranties or guaranties regarding availability or compatibility of this website with any electronic media or software systems operated by you.

You shall not, without the express written permission of an authorized officer of cfacts, upload or otherwise store any files, data, code, or other information to this website. Without limiting the foregoing, cfacts reserves the right to require digital signatures or other methods of verifying and authenticating the data source for information that cfacts permits to be uploaded to and/or stored on this website. You shall be strictly liable to cfacts for, and shall indemnify, defend, and hold cfacts harmless from and against, any losses, claims, or other damages it may incur as a result of any viruses, trojan horses, trap doors, back doors, worms, time bombs, cancelbots, or other malicious code or computer programming routines that may be introduced to the Site or other computer network systems of cfacts as a result of your access thereto.

cfacts may cancel or terminate your access to this website or the content contained therein at any time without notice. In the event of such termination, you will no longer be permitted to access this website and all copies of the content contained therein that has been downloaded or otherwise stored or in your possession or control shall be returned to cfacts or, at the direction of cfacts, permanently erased. The restrictions, disclaimers, and indemnification obligations set forth herein shall survive any such termination.