Limited License

Subject to these terms and conditions, FACT grants to you a non-exclusive, non-transferable, limited right to access, use and display this Web site and its contents. You agree not to interrupt or attempt to interrupt the operation of this Web site in any way.
FACT authorizes you to view its Web site and download reasonable portions of its information and other contents ( Content ) only for your personal, non-commercial use. For purposes of these terms and conditions, Content shall include other communication media used with this Web site, such as video and telephone augmentation. This authorization is not a transfer of title in the Content or copies thereof and is subject to the following restrictions:

1) On all copies of the downloaded Content, you will retain all copyright and other proprietary notices      contained in the Content;
2) You will not modify the Content in any way or reproduce or publicly display, perform, or distribute or      otherwise use them for any public or commercial purpose;
3) You will not transfer the Content to any other person unless you give them notice of, and they agree to      accept, the obligations arising under these Terms; and
4) You agree to abide by all additional restrictions displayed on this Web site as it may be updated from time      to time.

Except as expressly provided herein, FACT does not grant any express or implied right to you under any patents, trademarks, copyrights or other intellectual property rights. This Web site is not intended for use by persons under 18 years of age and no license to use this Web site is therefore granted to such persons.

Disclaimers

THE FUNCTIONALITY, INFORMATION, AND OTHER CONTENT CONTAINED IN THIS Web site IS PROVIDED AS IS. THE INFORMATION IN THIS Web site AND OTHER CONTENT HAVE BEEN PROVIDED SOLELY AS A CONVENIENCE, AND IN SOME INSTANCES IS PROVIDED BY THIRD PARTIES. FACT MAKES NO REPRESENTATION, WARRANTY OR CONDITION, EXPRESS, IMPLIED OR OTHERWISE, OF ANY KIND, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE OR REGARDING THE USE, ACCURACY, COMPLETENESS, PERFORMANCE, RELIABILITY OR NON-INFRINGEMENT OF ANY THIRD PARTY INTELLECTUAL PROPERTY RIGHTS RELATING TO THE INFORMATION OR OTHER CONTENT OR ANY PRODUCTS TO WHICH THE CONTENT MAY REFER. YOU SHOULD MAKE YOU OWN DETERMINATION REGARDING THE SUITABILITY OF THE INFORMATION OR OTHER CONTENT HEREIN OR ANY PRODUCTS DESCRIBED HEREIN FOR YOUR OWN PURPOSES PRIOR TO USE.

YOU ACKNOWLEDGE THAT ANY RELIANCE ON ANY OPINION, ADVICE, STATEMENT, MEMORANDUM, OR INFORMATION CONTAINED IN THE CONTENT SHALL BE AT YOUR SOLE RISK. IN NO EVENT IS FACT RESPONSIBLE FOR, AND FACT DOES NOT ACCEPT AND HEREBY DISCLAIMS LIABILITY FOR, ANY DAMAGES WHATSOEVER IN CONNECTION WITH THE USE OF OR RELIANCE ON THE INFORMATION OR OTHER CONTENT HEREIN OR BY REASON OF ANY INACCURACIES, ERRORS OR OMISSIONS IN SUCH INFORMATION OR OTHER CONTENT, OR ANY DELAY, NONPERFORMANCE, INTERRUPTION OR TERMINATION OF THE TRANSMISSION OR DISPLAY THEREOF, FROM ANY CAUSE.

Third-party links

Any link on this Web site to third-party Web sites is being provided by FACT to you solely as a convenience. Third-party sites are not covered by FACT's Privacy Statement. FACT makes no warranty or representation regarding the linked sites themselves or the contents thereon and FACT is not in any way responsible for such information or content or for the privacy or security practices of such third party sites. Unless otherwise specified, FACT does not endorse or sponsor any linked Web sites, the information appearing thereon, or any of the products or services described thereon.

Information Provided by You

You agree that any information (including without limitation any ideas, concepts, technologies or know-how) that you send to us via this Web site will not contain, and FACT does not want to receive from you through this Web site, any copyrighted, confidential or proprietary information of yourself or any third party and FACT shall be free to use this information as it sees fit, except that personal data shall be governed by FACT's privacy statement. By sending FACT any such information, you agree to transfer ownership, without further compensation, including any copyright therein. In addition, should you provide any personal data to FACT in order to register with us or inquire about products, services, programs or employment opportunities, you consent to allow FACT to store and transfer such personal data in accordance with its Privacy Policy.

Limitations

IN NO EVENT SHALL FACT OR ANY OF ITS AFFILIATES OR SUBSIDIARIES BE LIABLE TO ANY ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM) THAT ARE RELATED TO THE USE OF, OR THE INABILITY TO USE, THE CONTENT AND FUNCTIONS OF THIS Web site OR ANY LINKED Web site, EVEN IF FACT IS EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Trademarks

The FACT name and logo are trademarks of the Federation of American Consumers and Travelers, Inc. All other trademarks are the property of their respective owners as indicated. Any questions concerning the use of any FACT trademark, including whether a mark not on the list is in fact a FACT trademark, should be directed to FACT at its administrative offices in Edwardsville, Illinois.

Jurisdiction and Choice of Law

This Web site is administered and operated by FACT from its offices in Edwardsville, Illinois. These terms and conditions, and matters relating to the Content hereof, shall be governed by the laws of Illinois, without giving effect to its conflict of laws provisions. If for any reason a court of competent jurisdiction finds any provision of these terms and conditions or portion thereof to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effectuate the intent of these terms and conditions, and the remainder of these terms and conditions shall continue in full force and effect.