Initial Notice

Thank you for visiting our Web site. Please read carefully the following legal agreement before using this Web site. By using this Web site, you signify your assent to these terms of use. If you do not agree to these terms of use, please disconnect from and do not use this Web site. The products and programs mentioned on the Web site are subject to availability.

List of Restrictions

Neither the Web site nor any portion thereof, including, without limitation, text, graphics, images, or other materials, may be copied, repurposed, uploaded, posted, transmitted, or redistributed, except that you may download one copy of such materials to your individual computer solely for your personal, non-commercial use only, provided that all copyright and other proprietary notices appearing on such materials are strictly preserved without any alteration, modification, or obfuscation.   This specifically excludes any use by any governmental, educational, charitable, or other institutional use. With respect to any software downloaded by you from the Web site, such software, and all elements thereof, are licensed to you by its respective owner for your personal use only. You may not modify or prepare derivative works based upon the Web site, or any element thereof, and you may not redistribute, sell, decompile, reverse engineer, disassemble, or otherwise attempt to access the source code to any software downloaded from the Web site.

Reservation of Rights

All rights, titles, and interests in and to this Web site are owned by Becovic Management Group. The Web site and content is protected by United States copyright law and international treaty provisions, including, without limitation, the Berne Convention. All trademarks, service marks, and trade names are proprietary. None of the items mentioned herein may be used without the express written consent of Becovic Management Group. All rights not expressly licensed hereunder are reserved by Becovic Management Group.

Warranty Disclaimer

THE WEB SITE AND ALL ELEMENTS THEREOF ARE PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. BECOVIC MANAGEMENT GROUP MAKES NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES CONTAINED ON THE WEB SITE FOR ANY PURPOSE. BECOVIC MANAGEMENT GROUP DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. BECOVIC MANAGEMENT GROUP DOES NOT WARRANT THAT THE WEB SITE WILL OPERATE OR PERFORM IN A MANNER THAT IS UNINTERRUPTED OR ERROR-FREE, OR THAT THE WEB SITE OR HOST SERVER WILL BE MAINTAINED FREE OF VIRUSES OR OTHER HARMFUL CODE. BECOVIC MANAGEMENT GROUP MAKES NO WARRANTIES THAT THE INFORMATION PRESENTED ON THE WEB SITE IS CURRENT, UP-TO-DATE, OR ACCURATE. SOME STATES AND JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU. THE FOREGOING SHALL BE ENFORCEABLE TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

Liability Limitation

UNDER NO CIRCUMSTANCE AND REGARDLESS OF LEGAL THEORY, WHETHER IN TORT, CONTRACT, OR OTHERWISE, WILL BECOVIC MANAGEMENT GROUP BE LIABLE TO YOU OR ANY OTHER PARTY FOR AN INDIRECT, SPECIAL, INCIDENTAL, RELIANCE, OR CONSEQUENTIAL DAMAGES, HOWEVER CAUSED, AND REGARDLESS OF CHARACTER, INCLUDING, WITHOUT LIMITATION, ANY DAMAGES RELATING TO LOST DATA, COMPUTER FAILURE OR MALFUNCTIONING, OR OTHERWISE. SOME STATES AND JURISDICTIONS DO NOT ALLOW THE LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INDIRECT DAMAGES, SO THE FOREGOING LIMITATION MAY NOT APPLY TO YOU. THE FOREGOING SHALL BE ENFORCEABLE TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. YOU AGREE TO THIS ALLOCATION OF RISK IN RELATION TO YOUR USE OF THE WEB SITE.

Links to Third Parties' Web Sites

This Web site may contain hyperlinks, which links the User to other documents or Web sites that are operated by third parties other than Becovic Management Group. Such hyperlinks are provided solely for User's references. Becovic Management Group does not necessarily control such Web sites and is not responsible for their contents. Becovic Management Group 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. Accordingly, User agrees to hold harmless Becovic Management Group, its parent, subsidiaries and affiliates, and the shareholders, officers, directors, employees, and agents of any of them against and from and against any and all claims, demands, judgments, costs, liabilities, expenses (including attorneys' fees), and damages arising out of claims resulting from hyperlinking, including, without limitation, any claims alleging facts that if true would constitute a breach by User of these terms and conditions.

Modification of These Terms and Conditions

Becovic Management Group reserves the right to change this Agreement at any time by revising the terms and conditions herein. User is responsible for regularly reviewing these terms and conditions. Continued use of this Web site following any such changes shall constitute the User's acceptance of such changes.

General Terms and Conditions

This Agreement shall be deemed to include all other notices, policies, disclaimers, and other terms contained in this Web site; provided, however, that in the event of a conflict between such other terms and the terms of this Agreement, the terms of this Agreement shall control.

This Agreement shall be deemed to have been made in the State of Indiana, U.S.A. and shall be interpreted, and the rights and liabilities of the parties hereto determined in accordance with the law of the State of Indiana, U.S.A., without regard to conflicts of law principles. Controversy or claim arising out of or relating to this Agreement, or the breach thereof, shall be settled by arbitration administered by the American Arbitration Association in Marion County, Indiana under its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.  The parties consent to the exclusive jurisdiction of the state and federal courts for the County of Marion, Indiana, U.S.A. for the determination of any arbitration claim or controversy between the parties and arising out of or relating to this Agreement. Both parties hereby consent to the jurisdiction of the Indiana courts and waive any objections as to personal jurisdiction or as to the laying of venue in such courts due to inconvenient forum or any other basis.

User acknowledges that no joint venture, partnership, employment, or agency relationship exists between the User and Becovic Management Group as a result of this Agreement or use of this Web site. User agrees not to hold himself or herself out as a representative, agent, or employee of Becovic Management Group and Becovic Management Group shall not be liable for any representation, act, or omission of the User.

Becovic Management Group's performance of this Agreement is subject to existing laws and legal process, and nothing contained in this Agreement is in derogation of Becovic Management Group's right to comply with law enforcement requests or requirements relating to the User's use of this Web site or information provided to or gathered by Becovic Management Group with respect to such use.

If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law, including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect.

This Agreement constitutes the entire agreement between the User and Becovic Management Group with respect to this Web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between the User and Becovic Management Group with respect to this Web site. A printed version of this Agreement and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to this Agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form">

Idemnification

As a condition of use of this Web site, the user agrees to idemnify Becovic Management Group, its parent, subsidaries and affiliaties, and the shareholders, officers, directors, employees, partners, and agents of any of them against and from and against any and all claims, demands, judgements, costs, liabilities, expenses, (including attorneys' fees), and damages arising out of claims resulting from User's use of the Web site, including, without limitation, any claims alleging facts that if true would constitute a breach by User of these terms and conditions.