TERMS AND CONDITIONS

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS SITE OR ANY OF THE PAGES OR SCREENS CONTAINED WITHIN THE SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS BELOW. IF YOU DO NOT AGREE TO THE TERMS AND CONDITIONS BELOW, DO NOT ACCESS THIS SITE, OR ANY OF ITS PAGES OR SCREENS.
1. Scope: This agreement covers your use of our site, system, user documentation, and any related programs, documentation and information provided to Stonetrust. Nothing in this agreement grants the user any proprietary rights in our system or in any other work, methodology or proprietary property embodied in our system (collectively, "Proprietary Property").
2. Usage & Transfer: Stonetrust grants the user a nonexclusive, nontransferable right to access our system on a single Internet or network server. User will not:
a. Make any copies of our system or any Proprietary Property contained in and will not make any copies of all or any part of the user documentation, except for user's own use.
b. Provide or disseminate all or any part of our system to any other person. User will safeguard our system and related user documentation with a reasonable degree of care, using procedures designed to protect the trade secrets and proprietary information, so that no unauthorized use is made of them and no disclosure of any part of their contents is made to anyone other than the user and any employees, agents or consultants of user whose duties reasonably require such disclosure.
c. User shall not have the right to transfer its right to access our system, including transfer any access code or password enabling user to access our system, without the prior written consent of Stonetrust.
3. THE MATERIAL AND INFORMATION IN THIS SITE ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED. Stonetrust disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability and fitness for a particular purpose. Stonetrust makes no representations concerning the quality of our system and does not warrant that it will be error free or will operate without interruption. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All information contained on any page is distributed with the understanding that the authors, publishers and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters and accordingly assume no liability whatsoever in connection with its use. Consult your own legal or tax advisor with respect to your personal situation. In no event shall Stonetrust be liable for any direct, indirect, special, incidental or consequential damages arising out of the use of the information herein.
4. LIMITATION OF LIABILITY: IN NO EVENT WILL STONETRUST, ITS DIRECTORS, OFFICERS, OR EMPLOYEES, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR OTHER DAMAGES ARISING OUT OF OR RELATING TO THE USE OF THIS SITE BY ANY PERSON, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, REGARDLESS OF WHETHER STONETRUST IS INFORMED OF THE POSSIBILITY OF DAMAGES IN ADVANCE. THESE LIMITATIONS APPLY TO ALL CAUSES OF ACTION, INCLUDING BREACH OF CONTRACT, BREACH OF WARRANTY, STONETRUST'S NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATION AND OTHER TORTS.
5. Unauthorized Access: Some portions of this site are restricted and require authorization for access. Unauthorized use of or access to these areas is prohibited. Actual or attempted unauthorized use of or access to such areas may result in criminal and/or civil prosecution. Attempts to access such areas without authorization may be viewed, monitored and recorded and any information obtained may be given to law enforcement organizations in connection with any investigation or prosecution of possible criminal activity on this system. If you are not an authorized user of such areas or do not consent to continued monitoring, you should not attempt to access such areas. If you are an authorized user of any restricted area, you are responsible to maintain the security/confidentiality of your password. DO NOT SHARE YOUR PASSWORD WITH ANYONE. Stonetrust will not ask you for your password. If you know or suspect that your password has been compromised, change your password immediately. If you suspect any unauthorized activity related to your account, you should contact Stonetrust immediately. Stonetrust will not be responsible if you do not properly secure your password or if you choose to share your password with anyone else.
6. Privacy: Stonetrust respects your privacy. Any personally identifying information that you give us through this site or in any other way will remain private and we will not share it with anyone not involved in your account. Stonetrust will hold your personal policy information. Any information you enter is stored on Stonetrust’s password-protected server and will be entirely in the possession of Stonetrust.
7. Termination: Stonetrust reserves the right in its sole discretion to suspend, terminate or restrict use of all or part of the website, without notice, for any or no reason, and without liability to you or anyone else.
8. Electronic Communications: By logging on to our system, you consent to receive communications and documents electronically. We may communicate with you by email or by posting notices on the system. It is your responsibility to notify us if you change your email address. You may change your email address by logging in and clicking on the "User Account" link.
9. Trademarks: Unless otherwise stated, the contents of this site including, but not limited to, the text and images contained herein and their arrangement are the property of Stonetrust. All trademarks used or referred to in this website are the property of their respective owners.
10. This agreement constitutes the entire understanding between Stonetrust and user with respect to subject matter hereof. If any provision of this agreement is held by a court of competent jurisdiction to be invalid, illegal or otherwise unenforceable, such provision shall be deemed severed from this agreement, and all other provisions shall remain in full force and effect. Stonetrust maintains this site in Louisiana, USA, and you agree that these terms of use and any legal action or proceeding relating to this site shall be governed by the laws of the State of Louisiana without reference to its choice of law rules. If you attempt to bring any legal proceedings against Stonetrust, you specifically acknowledge that Stonetrust is free to choose the jurisdiction of our preference as to where such action against us may be held. As you have agreed by using this site to choose the laws of the State of Louisiana to govern any such proceedings, we will probably choose to defend any such action in Louisiana and we can make this decision entirely as it suits us, without regard to where in the world you are located, or from where in the world you visited this site.
Disclosure
Stonetrust reserves the right to modify these Terms and Conditions at any time. Continued use of the site constitutes your acceptance of any revisions to the Terms of Use.