TERMS OF USE AGREEMENT
INCLUDING PRIVACY POLICY, BETWEEN USER AND CURTIS STOCK, LLC™

(operator of the Curtis Stock, LLC™ family of web sites)

Last updated February 11, 2000

TERMS OF USE

Please read this agreement ("Agreement") carefully before accessing or using the web site on which the link which brought you to this Agreement is located (the "Site"). By accessing or using the Site, you agree to be bound by this Agreement. Curtis Stock, LLC™, and its suppliers provide the information and services on this Site to you, the user, conditioned on your acceptance without modification of the terms, conditions and notices contained herein. Your use of the Site constitutes your agreement to all such terms, conditions and notices.

The information and services offered on the Site are provided with the understanding that neither Curtis Stock, LLC™, nor its suppliers or users are engaged in rendering legal or other professional services or advice. Your use of the Site is subject to the additional disclaimers and caveats that may appear throughout the Site.

Curtis Stock, LLC™, and its agents assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take based on the information, services or other material on this Site. While Curtis Stock, LLC™ strives to keep the information on this Site accurate, complete and up-to-date, Curtis Stock, LLC™ and its suppliers cannot guarantee, and will not be responsible for any damage or loss related to, the accuracy, completeness or timeliness of the information.

PERSONAL AND NONCOMMERCIAL USE LIMITATION: PROHIBITED USES

You may access, download and print materials on this Site for your own personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, frame in another Web page, use on any other web site, transfer or sell any information, software, lists of users, databases or other lists, products or services obtained from this Site. The foregoing prohibition expressly includes, but is not limited to, the practices of "screen scraping" or "database scraping" to obtain lists of users or other information.  Also expressly prohibited is the use of the ANY material contained on this Site or any other Site in the Curtis Stock, LLC™  family of web sites for the purpose of marketing real estate or real estate related activities, whether by an individual, business or any other entity, is strictly prohibited and violators will be prosecuted under the full extent of the law.  If and when requested by Curtis Stock, LLC™, you agree to provide true, accurate and complete user information and to refrain from impersonating or falsely representing your affiliation with any person or entity. Except with the written permission of Curtis Stock, LLC™, you agree to refrain from accessing or attempting to access password protected, secure or non-public areas of this Site. Unauthorized individuals attempting to access prohibited areas of this Site may be subject to prosecution.

PROPRIETARY RIGHTS

All materials on this Site (as well as the organization and layout of the Site) are owned and copyrighted or licensed by Curtis Stock, LLC™, its affiliates or its suppliers. No reproduction, distribution, or transmission of the copyrighted materials at this Site is permitted without the written permission of Curtis Stock, LLC™.


NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of this Site, you warrant to Curtis Stock, LLC™ that you will not use this Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. If you violate any of these terms, your permission to use the Site automatically terminates.

DISCLAIMER OF WARRANTIES

YOU EXPRESSLY UNDERSTAND AND AGREE THAT:

a. YOUR USE OF THIS SITE AND THE SERVICE OFFERED AT THE SITE IS AT YOUR SOLE RISK. THE SITE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. CURTIS STOCK, LLC. 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.

b. CURTIS STOCK, LLC. MAKES NO WARRANTY THAT (i) THE SITE OR SERVICES WILL MEET YOUR REQUIREMENTS, (ii) THE SITE OR SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE OR THE SERVICES WILL BE ACCURATE OR RELIABLE, OR (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SITE WILL MEET YOUR EXPECTATIONS.

c. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE 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 FROM THE DOWNLOAD OF ANY SUCH MATERIAL.

d. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM CURTIS STOCK, LLC. OR THROUGH OR FROM THE SITE OR ANY SERVICE OFFERED THEREAT SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT.

LIMITATION OF LIABILITY

YOU EXPRESSLY UNDERSTAND AND AGREE THAT CURTIS STOCK, LLC. SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF CURTIS STOCK, LLC. HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SITE OR SERVICES; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (v) ANY OTHER MATTER RELATING TO THE SITE OR THE SERVICES.

EXCLUSIONS AND LIMITATIONS

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF THE ABOVE SECTIONS MAY NOT APPLY TO YOU.

INDEMNIFICATION

You agree to indemnify, defend and hold harmless Curtis Stock, LLC™, its affiliates and suppliers from any liability, loss, claim and expense (including attorneys' reasonable fees) related to your violation of this Agreement.

LINKS TO THIRD PARTY SITES

This Site may contain hyperlinks to web sites operated by parties other than Curtis Stock, LLC™, or its affiliates. Such hyperlinks are provided for your reference only. Curtis Stock, LLC™ does not control such web sites, and is not responsible for their content. Inclusion of hyperlinks by Curtis Stock, LLC™ to such web sites does not imply any endorsement of the material on such web sites or any association with their operators, and you access and use such sites, including information, material, products and services therein, solely at your own risk. Furthermore, because the privacy policy you just read is applicable only when you are on our Sites, once linked to another web site, you should read that site’s privacy policy before disclosing any personal information.

LINKS TO THIS SITE

You may only provide a hypertext link to this Site on another web site provided that (a) the link must be a text only link clearly marked (e.g. "beforeitsgone.com"); (b) the link must "point" to the "home page" URL (e.g. "beforeitsgone.com") and not to other pages within the Site; (c) the appearance, position, and other aspects of the link may not be such as to damage or dilute the goodwill associated with the Site; (d) the appearance, position, and other aspects of the link may not create the false appearance that the linking page, its owner, or any other entity is associated with or sponsored by Curtis Stock, LLC™ or the Site; and (e) the link, when activated by a user, must display the Site full screen and not within a "frame" on the linking web site. Curtis Stock, LLC™ reserves the right to revoke its consent to the link at any time in its sole discretion.

USE OF SUBMISSIONS

Postings to and communications with the Site are not private. You grant Curtis Stock, LLC™ the unrestricted right to use, reproduce, modify, distribute, and display any material you supply or communicate to the Site (including your identity and information about you) for any purpose, including commercial uses, and to authorize others to do so. Any information you submit to Curtis Stock, LLC™ in any medium shall become the property of Curtis Stock, LLC™ and shall not be returned to you.

CHANGES TO SITE

Curtis Stock, LLC™, its affiliates and/or its suppliers may make improvements or changes in the information, services, products, and other materials on this Site, or terminate this Site, at any time without notice. Curtis Stock, LLC™ may modify this Agreement at any time, and such modifications shall be effective immediately upon posting of the modified Agreement. Accordingly, you agree to review the Agreement periodically, and your continued access or use of this Site shall be deemed your acceptance of the modified Agreement.

MISCELLANEOUS

This Agreement and the resolution of any dispute related to this Agreement or this Site shall be governed by and construed in accordance with the laws of Missouri, without giving effect to any principles of conflicts of law. Failure by Curtis Stock, LLC™, or its affiliates to insist upon strict enforcement of any provision of this Agreement shall not be construed as a waiver of any provision or right. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of this Site or this Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred. Any legal action or proceeding between Curtis Stock, LLC™, and/or its affiliates and you related to this Agreement shall be brought exclusively in a federal or state court of competent jurisdiction sitting in Missouri, County of Jackson and/or the Western District of Missouri.

TAXDOLLARS.COM™ and other Curtis Stock, LLC™ logos, product and service names are trademarks and service marks owned by or licensed to Curtis Stock, LLC™, or its affiliates (the "Marks"). Without the prior written permission of Curtis Stock, LLC™, or its appropriate affiliates, you agree not to display or use in any manner, the Marks.

All other trademarks are the property of their respective owners.

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PRIVACY POLICY

At the Curtis Stock, LLC family of web sites, user privacy is of utmost concern. We are committed to your privacy and security, and to providing you the best possible user experience. This policy may be updated by us from time to time, so please check here frequently.

What do we mean by privacy? The Curtis Stock, LLC™ family of sites - including, infogoldmine.com™, homespro.com™, lakeviking.com™, beforeitsgone.com™, and taxdollars.com™ - is committed to your privacy and security and wants to provide you with the best possible experience and service. We will never disclose your personally identifiable information to any third party without your consent, except in limited circumstances to our business partners with whom we have established agreements that protect your privacy.

Here's how we may collect and use information from you in our efforts to provide the highest quality user experience:

IP Address - Your IP or "Internet Protocol" address and other site usage data may be used to gather broad demographic information. This data helps us serve you by allowing us to understand how visitors use our web sites.

Cookies - Our sites may use a technology called "cookies," small files stored by your browser to help keep track of your user profile. Our cookies do not collect personally identifiable information, nor do we share them with anyone. We use cookies to remember your personal profile for your convenience, to deliver content specific to your needs and interests, and to ensure you don't see the same ad repeatedly. We also use cookies to track user trends and improve areas of our sites that our users find valuable.

Ads – We may sometimes use outside companies to display advertising on our web sites. These ads may place cookies on your computer, which are referenced by our ad companies. We do not have access to this information.

Registration - Some of our sites may include registration forms that require users to give us contact information (like your name), unique identifiers (such as your email address), and demographic information (like your Zip code or age). Customer contact information may be shared among the Curtis Stock, LLC™ family of web sites so that, when possible, you can enjoy member benefits without having to register more than once.

We may use customer contact information from registration forms to send you information related to our products and services if you consent to receiving such mailings. Your contact information may also be used to contact you when necessary for administrative purposes related to your account. We may use your email as a unique identifier in our record system, to verify communications from you, and to send you newsletters and promotional offerings that you ask to receive or to tell you about changes to the Curtis Stock, LLC™ family of web sites.

Demographic information and site usage data is also collected on our sites. We may use this data to tailor your experience, allowing us to provide content related to your preferences and information on products or services we think you may be interested in.

Email Services - If you take advantage of any email notification features on our sites, you may receive email updates as described in the service. The Curtis Stock, LLC™ family of sites provides users the opportunity to opt-out of receiving communications from us and our partners. Users can remove their personal information from the database of a particular site by sending a request by email to the contact for the particular site listed below.

Personal Tools – We anticipate that certain products on our sites, will allow you to store your personal information for future use. We will not share this information with third parties.

Order Forms - Our sites may use forms for you to request information, products and services. We may collect financial information to bill you for the products and services you indicate. (See "Your Security" below for more on how we safeguard your financial information and social security information.) We may collect social security information to provide credit check, loan application and similar services. We collect contact information, unique identifiers and demographic information for the purposes described in "Registration" above. See "Disclosure" for more information on when we provide your information to third party business partners.

Contests and Surveys - We may also survey visitors for contact information, unique identifiers and demographic information. You are never required to answer these questions. The information you submit may be used for analyzing overall site demographics, user preferences and tastes, and similar "getting to know our customers" purposes. We may disclose this data to third parties in an aggregated form (such as summary reports for our advertisers) but never with user data or identification assigned to the information provided.

When you enter a contest, we will require that you submit a limited amount of personally identifiable data such as contact information. We may also ask you questions related to your preferences and age or background. We will designate which questions are required to be answered in order to enter the contest. The information you submit may be used to analyze site demographics and user preferences, and for similar "getting to know our customer" purposes. We may share this data with third parties in aggregate form only (as in summary reports to advertisers), and never in the form of personally identifiable information.

Your Security - Curtis Stock, LLC™, and its affiliates have taken the following important measures to protect against loss, misuse or alteration of your personal information. First, we store no financial information or social security information on our sites. Although you may have to enter your credit card number or social security number twice, we think the benefits of security are worth it. When we do transmit your data, we use only Secure Servers using current encryption technology to encode your data safely.

The personal data we do store on our system is protected by firewall and password. Our network firewall is a combination of hardware and software designed to keep unauthorized users from accessing our network. The password you select, along with your unique email address, prevents others from accessing your information. We suggest that you do not disclose your password to anyone.

Third Party Service Providers - Some of the services available through our family of sites may be provided by third parties that have their own privacy policies that may be different than ours. You should review the privacy policy of third parties before providing your personal information to them.

Outside Links - While on a Curtis Stock, LLC™ family web site, you may be led to other web sites. Be aware that other sites may collect data and personal information and operate according to their own privacy practices. Please remember that, once outside of our family of sites, any information you submit is outside of our control.

Disclosure - To provide you the best products and services, we may team with business partners. When you indicate that you want to receive a product or service, or contact a person or organization, we share the data needed for you to receive what you have indicated. Occasionally, we may hire consultants that would need access to our member database to perform their services for us. We take great care to require that these business partners agree by contract not to use any member information that they may receive access to.

Curtis Stock, LLC™ may contract with outside companies to administer our mailing lists or provide retail services. Your personal information may be shared with an outside company for the sole purpose of administering the products, services and programs you have selected.

Choice/Opt-out - The Curtis Stock, LLC™ family of web sites provides you the opportunity to opt out of receiving communications from our partners and us. To remove your personal information from one of our web sites, email a request to the site at the address listed in "Contacting Us." To remove your name from an email service, simply reply to the email and type "Unsubscribe" in the subject line.

Correct or Update - You can change or update your personal information for a particular tool, such as _________________, by going to the applicable section of the site and following instructions to update your information.

Contacting Us - If at any time you feel that the Curtis Stock, LLC™ family of web sites has not adhered to this policy, email us at webmaster@infogoldmine.com and we'll do our best to determine any problem and quickly respond. If you have questions or concerns about our privacy policy, please contact us at webmaster@infogoldmine.com.

And check this page periodically for changes in our privacy policy.

Here's how to contact the Curtis Stock, LLC™ family:

Webmaster@infogoldmine.com

Webmaster@homespro.com

Webmaster@lakeviking.com

Webmaster@beforeitisgone.com

Webmaster@taxdollars.com

This Curtis Stock, LLC™ privacy policy does not extend to any information that is inherent in the operation of the Internet, and therefore beyond the control on Curtis Stock, LLC™, and is not to be applied in any manner contrary to applicable law or governmental regulation.

We reserve the right at our discretion to make changes to this policy at any time, so check this site often for revisions.

Curtis Stock, LLC™, and its affiliates may disclose your personally identifiable information if required to do so by law or in the good-faith belief that such action is necessary to (1) conform to the requirements of the law or comply with governmental orders, court orders, or legal process served on Curtis Stock, LLC™, or its affiliates; (2) protect and defend the property or rights of Curtis Stock, LLC™, and its affiliates or the users of the Curtis Stock, LLC™ family of web sites.

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Copyright Curtis Stock, LLC™, 1999. All rights reserved.