You, the user, acknowledge that all content included on the Town Builders Collaborative Web site, including, but not limited to, the information, data, software, code, scripts, images, graphics, illustrations, logos, icons, graphs, charts, typefaces, designs, layouts, written and other material and compilations are intellectual property and copyrighted works of the Town Builders Collaborative or by other parties that have granted orlicensed their content to the Town Builders Collaborative. Content from this Web site may not be copied, reproduced, republished, uploaded, posted, transmitted, distributed, modified, transferred, sold, displayed, or in any way commercially exploited in whole or in part except that you may download one copy of the content on any single computer for your personal, noncommercial use, and one single permanent copy to be used by you, provided you keep intact any copyright and other proprietary notices on the content and do not modify the content in any way. You must obtain the prior written consent of the Town Builders Collaborative for any other use of the content. Modification of the content or use of the content for any other purpose is a violation of copyright and other proprietary rights and the use of any of the content on any other Web site or computer environment is strictly prohibited without the express written consent of the Town Builders Collaborative.

"Town Builders Collaborative" and any and all other marks appearing on this Web site are trademarks of the Town Builders Collaborative. You may not use, copy, reproduce, republish, upload, post, transmit distribute or modify the trademarks in any way, including in advertising or publicity pertaining to distribution of materials on this Web site, without the prior written consent of the Town Builders Collaborative. The use of trademarks on any other Web site or network computer environment is prohibited.

The Town Builders Collaborative Web site is intended for personal, noncommercial use. In order to access and use the Web site, you agree that you will not: (1) reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion of the Web site; or (2) use the Town Builders Collaborative name, URL, trademarks, server, or other materials in connection with, or to transmit, any unsolicited communications. You may only use this Web site to make legitimate requests to purchase the services offered and shall not use this Web site to make any speculative, false or fraudulent requests or any requests in anticipation of demand. You represent that you are of sufficient legal age to create binding legal obligations for any liability you may incur as a result of your use of this Web site. You agree to promptly update personal subscription information (if applicable) in order to keep it current, complete and accurate.

It is a violation of law to place a request in a false name or with an invalid credit card. Please be aware that even if you do not give us your real name, your web browser transmits a unique IP address to us that can be used by law enforcement officials to identify you. Fraudulent users will be prosecuted to the fullest extent of the law.

Permission is granted to electronically copy and print in hard copy portions of this Web site for the sole purpose of using this Web site as a personal resource. Any other use of materials on this Web site, including reproduction for a purpose other than that noted above, such as the modification, distribution or republication, without the Town Builders Collaborative prior written consent is prohibited.

The Town Builders Collaborative website acts as a service that offers online services such as special reports and subscriptions. Although prices may vary between each particular service, special reports are considered one-time offers. Once a special report is sold, there will be no refunds.

Permission is granted to electronically copy and print in hard copy portions of this Web site and reports solely as a personal resource. Any other use of materials on this Web site, without the prior express written consent of the Town Builders Collaborative is prohibited.

The Town Builders Collaborative considers ourselves researchers, compilers, and publishers of independently assessed information and opinion. We have not nor will we ever accept compensation, fees, or payment for promoting or publicizing a specific brand or town buiulding approach. All opinions that we publish are the result of independent analysis on the part of our members.

All content on this Web site is for informational purposes only. You alone will need to evaluate the merits and risks associated with the use of this Web site. Although this Web site may provide information relating to approaches to investments you might want to pursue, no information available through this Web site is intended or should be construed as an investment recommendation. Nothing contained on this Web site constitutes investment advice.

Decisions based on information contained within this Web site are your sole responsibility. You agree that the Town Builders Collaborative shall not be liable in any way for the accuracy, completeness, timeliness or correct sequencing of any decision made or action taken by you relying upon any information provided. You further agree not to hold any third party liable for any possible claim for any damages arising from any decision you make based on such information.

You confirm that you have read the Town Builders Collaborative Privacy Policy, the terms of which are incorporated herein, and agree that the terms of such policy are reasonable and satisfactory to you. You consent to the use of your personal information by the Town Builders Collaborative and/or its third party providers and distributors in accordance with the terms of and for the purposes set forth in the Privacy Policy.

IN NO EVENT SHALL THE Town Builders Collaborative OR ANY OF ITS MEMBERS INCLUDING THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, REPRESENTATIVES, AFFILIATES, OR PROVIDERS, BE LIABLE FOR ANY INJURY, DEATH, LOSS, CLAIM, DAMAGE, ACCIDENT, DELAY, OR ANY SPECIAL, EXEMPLARY, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND, WHETHER BASED IN CONTRACT, TORT OR OTHERWISE, WHICH ARISE OUT OF OR ARE IN ANY WAY CONNECTED WITH ANY USE OF THIS WEB SITE OR WITH ANY DELAY OR INABILITY TO USE THIS WEB SITE, OR FOR ANY DATA, INFORMATION, SOFTWARE OR SERVICES OBTAINED THROUGH THIS WEB SITE, EVEN IF A PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

The Town Builders Collaborative disclaims any and all responsibility or liability for the accuracy, content, completeness, legality, reliability, operability or availability of information or content in the services it offers. The Town Builders Collaborative disclaims any responsibility for the deletion, failure to store, misdelivery or untimely delivery of any information or content. The Town Builders Collaborative disclaims any responsibility for any financial loss that may result from following any and all advise that was gained through the services offered by the Town Builders Collaborative or its Web site. The Town Builders Collaborative disclaims any responsibility for any harm resulting from downloading or accessing any information or content through the Town Builders Collaborative Web site and disclaims any responsibility for any inconvenience or disruptions in service due to the speed or availability of the the Web site. In addition, you agree to indemnify and hold the Town Builders Collaborative and its affiliates, agents, employees, and licensors harmless from any claim or demand, including attorneys' fees, made by any third party arising out of your violation or disregard of these Terms and Conditions.

Site Map ANY CONTENT OR INFORMATION CONTAINED WITHIN THE WEB SITE IS PROVIDED "AS IS" WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW, the Town Builders Collaborative DISCLAIMS ALL WARRANTIES, EITHER EXPRESS OR IMPLIED, INCLUDING (BUT NOT LIMITED TO) THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THIS SITE AND ANY SITE-RELATED SERVICES. The Town Builders Collaborative DOES NOT WARRANT OR MAKE ANY REPRESENTATIONS REGARDING THE RESULTS OF THE USE OF THE SPECIFIC SERVICES OFFERED ON THE WEB SITE, IN TERMS OF THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE. YOU ASSUME THE ENTIRE RISK OF ANY RELIANCE ON THESE MATERIALS AND ANY OTHER CONTENT OR INFORMATION AVAILABLE ON THE WEB SITE. YOU UNDERSTAND AND AGREE THAT ANY INVESTMENTS INVOLVING REAL MONEY EXECUTED AS A RESULT OF USING SERVICES PROVIDED BY the Town Builders Collaborative through the Web site IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY FINANCIAL LOSS THAT MAY OCCUR. IN ADDITION, the Town Builders Collaborative DOES NOT WARRANT THAT THE FUNCTIONS ON THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS IN OR ON THE SITE WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES THE SITE AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOU UNDERSTAND AND AGREE THAT ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF SERVICES PROVIDED BY the Town Builders Collaborative IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS IN THE DOWNLOAD OF SUCH MATERIAL. UNDER NO CIRCUMSTANCES WILL the Town Builders Collaborative BE LIABLE IN ANY WAY FOR ANY CONTENT OR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, EMAILED OR OTHERWISE TRANSMITTED VIA THE WEB SITE.

The Town Builders Collaborative, its associated Web site and content is owned by the Town Builders Collaborative through its designated partners and affiliates.

This Web site contains links to pages on other Web sites outside the control of the Town Builders Collaborative, and those Web sites may offer products and/or services for sale. You acknowledge and agree that the Town Builders Collaborative has no responsibility for the accuracy or availability of information provided by linked Web sites. Links to linked Web sites do not constitute an endorsement by the Town Builders Collaborative of the sponsors of such linked Web sites or the content, products, advertising or other materials presented on the linked Web sites. The Town Builders Collaborative does not author, edit or monitor these pages or links. You acknowledge and agree that the Town Builders Collaborative is not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on the linked Web sites or resources.

The Town Builders Collaborative WILL NOT BE LIABLE FOR ANY TRANSACTIONS CONDUCTED WITH THIRD PARTIES OR ANY LIABILITIES OR DAMAGES ARISING FROM THE REPRESENTATIONS OR INFORMATION PROVIDED ON THE LINKED SITES. The Town Builders Collaborative IS NOT AND WILL NOT BE RESPONSIBLE FOR: (1) THE TERMS AND CONDITIONS OF ANY TRANSACTION BETWEEN YOU AND ANY THIRD PARTY; (2) THE PRIVACY POLICY OF ANY THIRD PARTY (3) ANY INSUFFICIENCY OF OR PROBLEMS WITH ANY THIRD PARTY INCLUDING THEIR PRODUCTS AND SERVICES; (4) THE QUALITY OF SERVICES PERFORMED BY ANY THIRD PARTY OR ANY OTHER LEGAL LIABILITY ARISING OUT OF OR RELATED TO THE PERFORMANCE OF SUCH SERVICES; OR (5) ANY CONTENT ON THE THIRD PARTY SITES, OR THE QUALITY OF ANY PRODUCT SOLD BY ANY THIRD PARTY OR ANY OTHER LEGAL LIABILITY ARISING OUT OF OR RELATED TO PRODUCTS SOLD BY A THIRD PARTY, INCLUDING, WITHOUT LIMITATION, ANY PRODUCT LIABILITY. IN THE EVENT THAT YOU HAVE A DISPUTE WITH ANY THIRD PARTY'S WEB SITE, PRODUCTS AND/OR SERVICES, YOU RELEASE the Town Builders Collaborative (AND ITS partners, SUBSIDIARIES, AFFILIATES, AND THEIR RESPECTIVE AGENTS, PRINCIPALS AND EMPLOYEES) FROM ANY AND ALL CLAIMS, DEMANDS AND DAMAGES (ACTUAL AND CONSEQUENTIAL) OF EVERY KIND AND NATURE, KNOWN AND UNKNOWN, SUSPECTED AND UNSUSPECTED, DISCLOSED AND UNDISCLOSED, ARISING OUT OF OR IN ANY WAY CONNECTED WITH ANY SUCH DISPUTES TO THE FULLEST EXTENT PERMITTED BY LAW.

The Town Builders Collaborative reserves the right to withdraw, suspend or discontinue at any time and from time to time any content or services available on the Web site and any functionality or features in or on the Web site, including the cessation of all activities associated with the Web site, with or without notice.

The Town Builders Collaborative may, in its sole discretion, terminate your use of the Town Builders Collaborative Web site for any reason, including, without limitation, if it is believed that you: (1) have breached these Terms and Conditions; (2) infringed the intellectual property right of a third party; (3) provided any information that the Town Builders Collaborative is unable to verify or authenticate; (4) uploaded or transmitted unauthorized content to the Web site; or (5) violated or acted inconsistently with the letter or spirit of these Terms and Conditions. You agree that any termination of your access to the Web site may be effected without prior notice to you.

If any provision of this agreement is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement, and shall not affect the validity and enforceability of any remaining provisions.

Any delay or failure on the part of the Town Builders Collaborative to enforce any rights under these Terms and Conditions to which it may be entitled shall not, in any event, be construed as a waiver of the right and privilege to do so at any subsequent time.

The Town Builders Collaborative reserves the right to change or modify these Terms and Conditions at any time. Any change or modification made by the Town Builders Collaborative will be effective immediately upon posting on the Web site and your continued use of the Web site means that you have agreed to accept any changes or modifications made.

If you have any questions about the Terms and Conditions or you have concerns regarding your use of our Web site, you can contact us at .