All use of Fallon Consultants, Ltd. World Wide Web pages is subject to the terms and conditions set forth below. Any use of such Web pages constitutes the user's agreement to abide by the following terms and conditions.

All information provided by Fallon Consultants, Ltd. and its affiliates is owned by or licensed to Fallon Consultants, Ltd. and its affiliates (the "Fallon Consultants Information"). Fallon Consultants, Ltd. and its licensors retain all proprietary rights to Fallon Consultants, Ltd.. Fallon Consultants, Ltd. has the right to use all material entered into these Web pages (other than third-party material transmitted through private electronic mail) in any of Fallon Consultants, Ltd. print or electronic publications. Except for making one hard copy print of limited portions of the Fallon Consultants Information on an ad hoc basis, or downloading as expressly authorized by Fallon Consultants, Ltd., Fallon Consultants Information may not be reproduced, transmitted or distributed without Fallon Consultants, Ltd. permission.

Fallon Consultants, Ltd. makes no guarantees or warranties as to the accuracy or completeness of or results to be obtained from accessing and using the Fallon Consultants Information. Neither Fallon Consultants, Ltd. nor its affiliates shall be liable to any user or anyone else for any inaccuracy, error or omission, regardless of cause, in The Fallon Consultants Information or for any damages resulting therefrom.

Users entering materials on any of these Web pages are responsible for the content of that material. Fallon Consultants, Ltd. has no responsibility for the content of any messages or information posted by users, or for the content of information of third-parties on the Internet, even if accessed through Fallon Consultants, Ltd. pages. However, Fallon Consultants, Ltd. retains the right, which it may or may not exercise, in its sole discretion, to review, edit or delete from the service any third-party material which Fallon Consultants, Ltd. deems to be illegal, offensive or otherwise inappropriate.

Users may through hypertext or other computer "links" gain access to other sites on the Internet which are not part of Fallon Consultants, Ltd. Web pages. Fallon Consultants, Ltd. assumes no responsibility for any material outside of Fallon Consultants, Ltd. Web pages which may be accessed through any such "link."

The user agrees to indemnify Fallon Consultants, Ltd. from any damages, losses, costs or expenses which Fallon Consultants, Ltd., its affiliates, their respective employees and authorized representatives may incur as a result of material entered into these Web pages by the user.