Forum Terms and Conditions of Use

Revised June 7, 2006

The FreeAdvice Forums are intended to enable consumers to benefit from the experience of other consumers who have faced similar le al issues! The "ditorial #taff and attorne$s at FreeAdvice!com have %&T reviewed the postin s on the Forum and FreeAdvice does %&T vouch for or warrant the accurac$, completeness or usefulness of an$ postin , or the status, le itimac$ or bona fides of an$ person 'even one purportin to be an attorne$ or moderator( ma)in a post! *ou understand and a ree that information on FreeAdvice or a Forum, even posted b$ an attorne$ or moderator, should not be relied upon and is not a substitute for advice from an attorne$ licensed in $our +urisdiction, who $ou have retained to represent $ou! To locate an attorne$ visit http://attorneypages.com/ Althou h FreeAdvice attempts to delete ob+ectionable messa es from the Forum, it operates in real time and does not review material before postin ! All messa es express the views of the author, and neither FreeAdvice, its parent compan$ or affiliates, nor Jelsoft will be held responsible for an$ content, an$ postin or an$ messa e! *ou a ree that all material $ou post becomes the propert$ of FreeAdvice, and FreeAdvice has the ri ht to remove, edit, move or close an$ postin or thread at an$ time for an$ reason, at its discretion! *ou a ree %&T to post an$ other person,s or firm,s cop$ri hted material! *ou are solel$ responsible for the content of $our messa es, and $ou a ree to indemnif$ and hold harmless FreeAdvice, its affiliates and Jelsoft "nterprises -imited 'developers of software used for the Forum( with respect to an$ claims and demands a ainst them, includin an$ attorne$ fees and expenses, based upon $our submission of material to the Forum! You agree that you will NOT use the FreeAdvice Forum to post any knowingly false, defamatory, inaccurate, a usive, vulgar, hateful, harassing, o scene, profane, se!ually oriented, or threatening message and"or user name, or to post any advertisement, chain letter, solicitation or other commercial message, or to post material that is illegally invasive of another person#s privacy! $n addition, you agree that if you make any posting that violates one or more of the foregoing terms and conditions, you will pay Advice Company %FreeAdvice&s parent company', and"or, at its option, a charity designated y it, Two (undred and Fifty %)*+,-,,' .ollars for each such posting, plus, if collection is necessary, reasona le attorneys feesYou consent to personal /urisdiction in the courts of 0arin County, California and the U1 .istrict Court for the Northern .istrict of California with respect to any posting you make, and further agree to accept service of legal process and other legal papers y email or electronic transmission sent to you at the"an email address you used to register on the FreeAdvice Forum*ou a ree that as a forum re istrant FreeAdvice ma$ send $ou email newsletters sub+ect to $our ri ht to .opt out/ from future newsletters! FreeAdvice ma$ chan e these terms and conditions on a prospective basis b$ postin the new terms on the FreeAdvice.com website!