TERMS OF SERVICE FOR MEAGHANANDERSON.COM

1. ACKNOWLEDGMENT AND ACCEPTANCE OF TERMS OF SERVICE MeaghanAnderson.com, a web site provided by HAnderson, Inc., is provided to you ("USER") under the terms and conditions of this TERMS OF SERVICE and any operating rules or policies that may be published by HAnderson, Inc. The TERMS OF SERVICE comprises the entire agreement between USER and HAnderson, Inc. and supersedes all prior agreements between the parties regarding the subject matter contained herein. BY USE OF MEAGHANANDERSON.COM YOU ARE INDICATING YOUR AGREEMENT TO BE BOUND BY ALL OF THE TERMS AND CONDITIONS OF THE TERMS OF SERVICE.

2. DESCRIPTION OF SERVICE HAnderson, Inc. provides USER with various publishing and community services, including but not limited to the capability to post information to a web page and participate in web-based discussions. USER must: (1) provide all equipment, including a computer and modem, necessary to establish a connection to the World Wide Web; (2) provide for own access to the World Wide Web and pay any telephone service fees associated with such access.

3. MODIFICATIONS TO TERMS OF SERVICE HAnderson, Inc. may change the terms and conditions of the TERMS OF SERVICE from time to time. Changes in the terms and conditions of the TERMS OF SERVICE will be posted to http://www.MeaghanAnderson.com. USER's continued use of the Service constitutes an affirmative: (1) acknowledgment by USER of the TERMS OF SERVICE and TERMS OF SERVICE modifications; and (2) agreement by USER to abide and be bound by the TERMS OF SERVICE and TERMS OF SERVICE modifications.

4. MODIFICATIONS TO SERVICE HAnderson, Inc. reserves the right to modify or discontinue the Service with or without notice to USER. HAnderson, Inc. shall not be liable to USER or any third party should HAnderson, Inc. exercise TERMS OF SERVICE right to modify or discontinue the Service.

5. PRIVACY POLICY All information entered into HAnderson, Inc. by USER is private to USER except to the extent that he or she opts to share that information with other HAnderson, Inc. USERs and/or the public, through HAnderson, Inc. or otherwise. It is HAnderson, Inc.'s policy to respect the privacy of USERs. Therefore, HAnderson, Inc. will not disclose to any third party USER's name or contact information. HAnderson, Inc. will also not monitor, edit, or disclose the contents of a USER's information unless required to do so by law or in the good faith belief that such action is necessary to: (1) conform to the edicts of the law or comply with legal process served on HAnderson, Inc.; (2) protect and defend the rights or property of HAnderson, Inc.; or (3) act under exigent circumstances to protect the personal safety of TERMS OF SERVICE, USERs or the public; (4) fix or debug problems with the HAnderson, Inc. software/service.

6a. CONTENT OWNERSHIP Unless stated otherwise for specific services, HAnderson, Inc. will retain copyright ownership and all related rights for information USER publishes through HAnderson, Inc. or otherwise enters into HAnderson, Inc.-related services.

6b. CONTENT RESPONSIBILITY USER acknowledges and agrees that HAnderson, Inc. neither endorses the contents of any USER communications nor assumes responsibility for any threatening, libelous, obscene, harassing or offensive material contained therein, any infringement of third party intellectual property rights arising therefrom or any crime facilitated thereby.

7. USER ACCOUNT, PASSWORD, AND SECURITY Once you become a USER of the Service, you shall receive a password and an account. You are entirely responsible if you do not maintain the confidentiality of your password and account. Furthermore, you are entirely responsible for any and all activities which occur under your account. You may change your password at any time. USER agrees to immediately notify HAnderson, Inc. of any unauthorized use of USER's account or any other breach of security known to USER.

8. DISCLAIMER OF WARRANTIES USER EXPRESSLY AGREES THAT USE OF THE SERVICE IS AT USER'S SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

HANDERSON, INC. EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

HANDERSON, INC. MAKES NO WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, OR THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; NOR DOES MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICE OR THAT DEFECTS IN THE SOFTWARE WILL BE CORRECTED.

USER UNDERSTANDS AND AGREES THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT USER'S OWN DISCRETION AND RISK AND THAT USER WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO USER'S COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA.

HANDERSON, INC. MAKES NO WARRANTY REGARDING ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH THE SERVICE OR ANY TRANSACTIONS ENTERED INTO THROUGH THE SERVICE.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY USER FROM OR THROUGH THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

9. LIMITATION OF LIABILITY HANDERSON, INC. SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICE OR FOR COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES OR RESULTING FROM ANY GOODS OR SERVICES PURCHASE OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH THE SERVICE OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF USER'S TRANSMISSIONS OR DATA, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLE, EVEN IF HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

10. NO RESALE OF THE SERVICE USER agrees not to resell the Service, without the express consent of HAnderson, Inc.

11. STORAGE AND OTHER LIMITATIONS HAnderson, Inc. assumes no responsibility for the deletion or failure to store information entered into HAnderson, Inc. HAnderson, Inc. has set no fixed upper limit on the number or posts USER may send or receive through the Service or the amount of storage spaced used; however, HAnderson, Inc. retains the right, at HAnderson, Inc.'s sole discretion, to determine whether or not USER's conduct is consistent with the letter and spirit of the TERMS OF SERVICE and may terminate Service if a USER's conduct is found to be inconsistent with the TERMS OF SERVICE.

12. USER CONDUCT USER is solely responsible for the contents of his or her transmissions through the Service. USER's use of the Service is subject to all applicable local, state, national and international laws and regulations.

USER agrees: (1) to comply with US law regarding the transmission of technical data exported from the United States through the Service; (2) not to use the Service for illegal purposes; (3) not to interfere or disrupt networks connected to the Service; and (4) to comply with all regulations, policies and procedures of networks connected to the Service.

The Service makes use of the Internet to send and receive certain messages; therefore, USER's conduct is subject to Internet regulations, policies and procedures. USER will not use the Service for chain letters, junk mail, spamming or any use of distribution lists to any person who has not given specific permission to be included in such a process.

USER agrees not to transmit through the Service any unlawful, harassing, libelous, abusive, threatening, or harmful material of any kind or nature. USER further agrees not to transmit any material that encourages conduct that could constitute a criminal offense, give rise to civil liability or otherwise violate any applicable local, state, national or international law or regulation. Attempts to gain unauthorized access to other computer systems are prohibited.

USER shall not interfere with another USER's use and enjoyment of the Service or another entity's use and enjoyment of similar services.

HAnderson, Inc. may, at its sole discretion, immediately terminate Service should USER's conduct fail to conform with these terms and conditions of the TERMS OF SERVICE.

13. INDEMNIFICATION USER agrees to indemnify and hold HAnderson, Inc., parents, subsidiaries, affiliates, officers and employees, harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of USER's use of the Service, the violation of this TERMS OF SERVICE by USER, or the infringement by USER, or other user of the Service using USER's computer, of any intellectual property or other right of any person or entity.

14. TERMINATION Either USER or HAnderson, Inc. may terminate the Service with or without cause at any time and effective immediately. HAnderson, Inc. shall not be liable to USER or any third party for termination of Service. Should USER object to any terms and conditions of the TERMS OF SERVICE or any subsequent modifications thereto or become dissatisfied with the Service in any way, USER's only recourse is to immediately discontinue use of the Service. Upon termination of the Service, USER's right to use the Service and Software immediately ceases. USER shall have no right and HAnderson, Inc. will have no obligation thereafter to forward any unread or unsent messages to USER or any third party.

15. NOTICE All notices to a party shall be in writing and shall be made either via email or conventional mail. HAnderson, Inc. may broadcast notices or messages through the Service to inform USER of changes to the TERMS OF SERVICE, the Service, or other matters of importance; such broadcasts shall constitute notice to USER.

16. PROPRIETARY RIGHTS TO CONTENT USER acknowledges that content, including but not limited to text, software, music, sound, photographs, video, graphics or other material contained in either sponsor advertisements or email-distributed, commercially produced information presented to USER by the Service ("Content") by HAnderson, Inc. or HAnderson, Inc.'s Advertisers, is protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws; therefore, USER is only permitted to use this Content as expressly authorized by the Service or the Advertiser. USER may not copy, reproduce, distribute, or create derivative works from this Content without expressly being authorized to do so by the Service or the Advertiser.

17. LAWS The TERMS OF SERVICE shall be governed by and construed in accordance with the laws of the state of Colorado, excluding TERMS OF SERVICE conflict of law provisions.

USER and HAnderson, Inc. agree to submit to the exclusive jurisdiction of the courts of the state of Colorado. If any provision(s) of the TERMS OF SERVICE is held by a court of competent jurisdiction to be contrary to law, then such provision(s) shall be construed, as nearly as possible, to reflect the intentions of the parties with the other provisions remaining in full force and effect.

HAnderson, Inc.'s failure to exercise or enforce any right or provision of the TERMS OF SERVICE shall not constitute a waiver of such right or provision unless acknowledged and agreed to by HAnderson, Inc. in writing.

USER and HAnderson, Inc. agree that any cause of action arising out of or related to this Service must commence within three (3) months after the cause of action arose; otherwise, such cause of action is permanently barred. The section titles in the TERMS OF SERVICE are solely used for the convenience of the parties and have no legal or contractual significance.