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Thanks for choosing our Site.

Please read the following Copyright & License Agreement for FREE access to our Online Studies and


The Author/Owner and hereby grant to you, the subscriber, a non-exclusive license to access our Online Studies solely for your own personal or non-commercial purposes. You may not use our Studies to derive commercial value for yourself or for any commercial organization, government agency, or entity, without the prior written consent of the Author/Owner and

You may not copy, duplicate or distribute, nor permit any person, corporation or entity, to copy, duplicate or distribute these Studies, in whole or in part, without the prior written consent of the Author/Owner and unless stated otherwise on a particular page. If you wish a hard copy (document) of any one of our major works found within our Studies Area that is designated for sale, one copy is permitted relative only to the purchase of that particular Study.

This license agreement will automatically terminate if you fail to comply with any of the terms in this license. Only with your cooperation can these Studies be made available Online to everyone without charge. As with any copyrighted book or material you may purchase at any retail establishment for your own personal use, thank you for respecting our property rights to our free Online studies.

We further reserve to ourselves and extend to the licensed user the right to terminate this free license offer at any time for any reason either party may deem necessary. In the event this free feature is discontinued at our Site, notification of its termination by will be posted at our Website. Individual terminations will be contacted also by e-mail (wherever possible).

No warranty, guarantee, or promise is expressed or implied with this licensing agreement. You agree to hold harmless, indemnify and defend the Author/Owner and from and against any losses, damages, fines and expenses (including attorneys' fees and costs) arising out of or relating to any claims caused by or resulting indirectly from your use of or access to this and all features of our Site you should elect to use.

This copyright and license shall be governed by and construed in accordance with the copyright laws of the United States of America and the State of California. If any portion of this agreement is held to be unenforceable for any reason, that provision of the License shall be enforced to the maximum extent permissible so as to effect the intent of the parties, and the remainder of the License shall continue in full force and effect.

Revised: August 15, 2013