|   Terms of Service
    
 1. ACCEPTANCE OF TERMS
 
 Welcome to Valuebasedmanagement.net. Valuebasedmanagement.net provides its service to you, subject to the 
    following Terms of Service ("TOS"), which may be updated by us from time to 
    time without notice to you. You can review the most current version of the 
    TOS at any time at: http://www.valuebasedmanagement.net/terms.html. In 
    addition, when using particular Valuebasedmanagement.net services, you and 
    Valuebasedmanagement.net shall be subject to any posted guidelines or rules 
    applicable to such services which may be posted from time to time. All such 
    guidelines or rules (including but not limited to our Spam Policy) are 
    hereby incorporated by reference into the TOS. Valuebasedmanagement.net may 
    also offer other services that are governed by different Terms of Service.
 
 
 2. DESCRIPTION OF SERVICE
 
 Valuebasedmanagement.net currently provides users with access to a rich 
    collection of resources through its network of properties (the "Service"). 
    You also understand and agree that the Service may include advertisements 
    and that these advertisements are necessary for Valuebasedmanagement.net to 
    provide the Service. You also understand and agree that the service may 
    include certain communications from Valuebasedmanagement.net, such as 
    service announcements, administrative messages and the 
    Valuebasedmanagement.net Newsletter, and that these communications are 
    considered part of Valuebasedmanagement.net membership and you will not be 
    able to opt out of receiving them. Unless explicitly stated otherwise, any 
    new features that augment or enhance the current Service, including the 
    release of new Valuebasedmanagement.net properties, shall be subject to the 
    TOS. You understand and agree that the Service is provided "AS-IS" and that 
    Valuebasedmanagement.net assumes no responsibility for the timeliness, 
    deletion, mis-delivery or failure to store any user communications or 
    personalization settings. You are responsible for obtaining access to the 
    Service and that access may involve third party fees (such as Internet 
    service provider or airtime charges). You are responsible for those fees, 
    including those fees associated with the display or delivery of 
    advertisements. In addition, you must provide and are responsible for all 
    equipment necessary to access the Service.
 
 
 3. YOUR REGISTRATION OBLIGATIONS
 
 In consideration of your use of the Service, you represent that you are of 
    legal age to form a binding contract and are not a person barred from 
    receiving services under the laws of the United States or other applicable 
    jurisdiction. You also agree to: (a) provide true, accurate, current and 
    complete information about yourself as prompted by the Service's 
    registration form (such information being the "Registration Data") and (b) 
    maintain and promptly update the Registration Data to keep it true, 
    accurate, current and complete. If you provide any information that is 
    untrue, inaccurate, not current or incomplete, or Valuebasedmanagement.net 
    has reasonable grounds to suspect that such information is untrue, 
    inaccurate, not current or incomplete, Valuebasedmanagement.net has the 
    right to suspend or terminate your account and refuse any and all current or 
    future use of the Service (or any portion thereof).
 
 
 4. VALUEBASEDMANAGEMENT.NET PRIVACY POLICY
 
 Registration Data and certain other information about you is subject to our 
    Privacy Policy.
 
 
 5.  AFFILIATED SITES
 
    Everywhere in these Terms 
    of Services where you read "Valuebasedmanagement.net" you should read 
    "Valuebasedmanagement.net and its affiliated sites".
 
 6. MEMBER CONDUCT
 
 You understand that all information, data, text, software, music, sound, 
    photographs, graphics, video, messages or other materials ("Content"), 
    whether publicly posted or privately transmitted, are the sole 
    responsibility of the person from which such Content originated. This means 
    that you, and not Valuebasedmanagement.net, are entirely responsible for all 
    Content that you upload, post, email, transmit or otherwise make available 
    via the Service. Valuebasedmanagement.net does not control the Content 
    posted via the Service and, as such, does not guarantee the accuracy, 
    integrity or quality of such Content. You understand that by using the 
    Service, you may be exposed to Content that is offensive, indecent or 
    objectionable. Under no circumstances will Valuebasedmanagement.net be 
    liable in any way for any Content, including, but not limited to, for any 
    errors or omissions in any Content, or for any loss or damage of any kind 
    incurred as a result of the use of any Content posted, emailed, transmitted 
    or otherwise made available via the Service.
 
 You agree to not use the Service to:
 
    - upload, post, email, transmit or otherwise make available any Content that 
    is unlawful, harmful, threatening, abusive, harassing, tortuous, defamatory, 
    vulgar, obscene, libelous, invasive of another's privacy, hateful, or 
    racially, ethnically or otherwise objectionable;
 - harm minors in any way;
 - impersonate any person or entity, including, but not limited to, a 
    Valuebasedmanagement.net official, forum leader, guide or host, or falsely 
    state or otherwise misrepresent your affiliation with a person or entity;
 - forge headers or otherwise manipulate identifiers in order to disguise the 
    origin of any Content transmitted through the Service;
 - upload, post, email, transmit or otherwise make available any Content that 
    you do not have a right to make available under any law or under contractual 
    or fiduciary relationships (such as inside information, proprietary and 
    confidential information learned or disclosed as part of employment 
    relationships or under nondisclosure agreements);
 - upload, post, email, transmit or otherwise make available any Content that 
    infringes any patent, trademark, trade secret, copyright or other 
    proprietary rights ("Rights") of any party;
 - upload, post, email, transmit or otherwise make available any unsolicited 
    or unauthorized advertising, promotional materials, "junk mail," "spam," 
    "chain letters," "pyramid schemes," or any other form of solicitation, 
    except in those areas (such as shopping rooms) that are designated for such 
    purpose (please read our complete Spam Policy);
 - upload, post, email, transmit or otherwise make available any material 
    that contains software viruses or any other computer code, files or programs 
    designed to interrupt, destroy or limit the functionality of any computer 
    software or hardware or telecommunications equipment;
 - disrupt the normal flow of dialogue, cause a screen to "scroll" faster 
    than other users of the Service are able to type, or otherwise act in a 
    manner that negatively affects other users' ability to engage in real time 
    exchanges;
 - interfere with or disrupt the Service or servers or networks connected to 
    the Service, or disobey any requirements, procedures, policies or 
    regulations of networks connected to the Service;
 intentionally or unintentionally violate any applicable local, state, 
    national or international law, including, but not limited to, regulations 
    promulgated by the U.S. Securities and Exchange Commission, any rules of any 
    national or other securities exchange, including, without limitation, the 
    New York Stock Exchange, the American Stock Exchange or the NASDAQ, and any 
    regulations having the force of law;
 - "stalk" or otherwise harass another; or
 - collect or store personal data about other users.
 
 You acknowledge that Valuebasedmanagement.net may not pre-screen Content, 
    but that Valuebasedmanagement.net and its designees shall have the right 
    (but not the obligation) in their sole discretion to refuse or move any 
    Content that is available via the Service. Without limiting the foregoing, 
    Valuebasedmanagement.net and its designees shall have the right to remove 
    any Content that violates the TOS or is otherwise objectionable. You agree 
    that you must evaluate, and bear all risks associated with, the use of any 
    Content, including any reliance on the accuracy, completeness, or usefulness 
    of such Content. In this regard, you acknowledge that you may not rely on 
    any Content created by Valuebasedmanagement.net or submitted to Valuebasedmanagement.net, 
    including without limitation information in Valuebasedmanagement.net Message 
    Boards or Forums, and in all other parts of the Service.
 
 You acknowledge, consent and agree that Valuebasedmanagement.net may access, 
    preserve, and disclose your account information and Content if required to 
    do so by law or in a good faith belief that such access preservation or 
    disclosure is reasonably necessary to: (a) comply with legal process; (b) 
    enforce the TOS; (c) respond to claims that any Content violates the rights 
    of third-parties; (d) respond to your requests for customer service; or (e) 
    protect the rights, property, or personal safety of 
    Valuebasedmanagement.net, its users and the public.
 
 You understand that the technical processing and transmission of the 
    Service, including your Content, may involve (a) transmissions over various 
    networks; and (b) changes to conform and adapt to technical requirements of 
    connecting networks or devices.
 
 You understand that the Service and software embodied within the Service may 
    include security components that permit digital materials to be protected, 
    and use of these materials is subject to usage rules set by 
    Valuebasedmanagement.net and/or content providers who provide content to the 
    Service. You may not attempt to override or circumvent any of the usage 
    rules embedded into the Service. Any unauthorized reproduction, publication, 
    further distribution or public exhibition of the materials provided on the 
    Service, in whole or in part, is strictly prohibited.
 
 
 7. SPECIAL ADMONITIONS FOR INTERNATIONAL USE
 
 Recognizing the global nature of the Internet, you agree to comply with all 
    local rules regarding online conduct and acceptable Content. Specifically, 
    you agree to comply with all applicable laws regarding the transmission of 
    technical data exported from the United States or the country in which you 
    reside.
 
 
 8. CONTENT SUBMITTED OR MADE AVAILABLE FOR INCLUSION ON THE SERVICE
 
 Valuebasedmanagement.net does not claim ownership of Content you submit or 
    make available for inclusion on the Service. However, with respect to 
    Content you submit or make available for inclusion on publicly accessible 
    areas of the Service, you grant Valuebasedmanagement.net the following 
    world-wide, royalty free and non-exclusive license(s), as applicable:
 
 With respect to Content you submit or make available for inclusion on 
    publicly accessible areas of Valuebasedmanagement.net, the license to use, 
    distribute, reproduce, modify, adapt, publicly perform and publicly display 
    such Content on the Service solely for the purposes of providing and 
    promoting Valuebasedmanagement.net to which such Content was submitted or 
    made available. This license exists only for as long as you elect to 
    continue to include such Content on the Service and will terminate at the 
    time you remove or Valuebasedmanagement.net removes such Content from the 
    Service.
 
 With respect to photos, graphics, audio or video you submit or make 
    available for inclusion on publicly accessible area of the Service other 
    than Valuebasedmanagement.net, the license to use, distribute, reproduce, 
    modify, adapt, publicly perform and publicly display such Content on the 
    Service solely for the purpose for which such Content was submitted or made 
    available. This license exists only for as long as you elect to continue to 
    include such Content on the Service and will terminate at the time you 
    remove or Valuebasedmanagement.net removes such Content from the Service.
 
 With respect to Content other than photos, graphics, audio or video you 
    submit or make available for inclusion on publicly accessible areas of the 
    Service other than Valuebasedmanagement.net, the perpetual, irrevocable and 
    fully sublicensable license to use, distribute, reproduce, modify, adapt, 
    publish, translate, publicly perform and publicly display such Content (in 
    whole or in part) and to incorporate such Content into other works in any 
    format or medium now known or later developed.
 "Publicly accessible" areas of the Service are those areas of the 
    Valuebasedmanagement.net network of properties that are intended by 
    Valuebasedmanagement.net to be available to the general public.
 
 
 9. INDEMNITY
 
 You agree to indemnify and hold Valuebasedmanagement.net, and its 
    subsidiaries, affiliates, officers, agents, co-branders or other partners, 
    and employees, harmless from any claim or demand, including reasonable 
    attorneys' fees, made by any third party due to or arising out of Content 
    you submit, post, transmit or make available through the Service, your use 
    of the Service, your connection to the Service, your violation of the TOS, 
    or your violation of any rights of another.
 
 
 10. NO RESALE OF SERVICE
 
 You agree not to reproduce, duplicate, copy, sell, trade, resell or exploit 
    for any commercial purposes, any portion of the Service, use of the Service, 
    or access to the Service.
 
 
 11. GENERAL PRACTICES REGARDING USE AND STORAGE
 
 You acknowledge that Valuebasedmanagement.net may establish general 
    practices and limits concerning use of the Service, including without 
    limitation the maximum number of days that email messages, message board 
    postings or other uploaded Content will be retained by the Service, the 
    maximum number of email messages that may be sent from or received by an 
    account on the Service, the maximum size of any email message that may be 
    sent from or received by an account on the Service, the maximum disk space 
    that will be allotted on Valuebasedmanagement.net's servers on your behalf, 
    and the maximum number of times (and the maximum duration for which) you may 
    access the Service in a given period of time. You agree that 
    Valuebasedmanagement.net has no responsibility or liability for the deletion 
    or failure to store any messages and other communications or other Content 
    maintained or transmitted by the Service. You acknowledge that 
    Valuebasedmanagement.net reserves the right to log off accounts that are 
    inactive for an extended period of time. You further acknowledge that 
    Valuebasedmanagement.net reserves the right to modify these general 
    practices and limits from time to time.
 
 
 12. MODIFICATIONS TO SERVICE
 
 Valuebasedmanagement.net reserves the right at any time and from time to 
    time to modify or discontinue, temporarily or permanently, the Service (or 
    any part thereof) with or without notice. You agree that 
    Valuebasedmanagement.net shall not be liable to you or to any third party 
    for any modification, suspension or discontinuance of the Service.
 
 
 13. TERMINATION
 
 You agree that Valuebasedmanagement.net may, under certain circumstances and 
    without prior notice, immediately terminate your Valuebasedmanagement.net 
    account, any associated email address, and access to the Service. Cause for 
    such termination shall include, but not be limited to, (a) breaches or 
    violations of the TOS or other incorporated agreements or guidelines, (b) 
    requests by law enforcement or other government agencies, (c) a request by 
    you (self-initiated account deletions), (d) discontinuance or material 
    modification to the Service (or any part thereof), (e) unexpected technical 
    or security issues or problems, and (f) extended periods of inactivity. 
    Termination of your Valuebasedmanagement.net account includes (a) removal of 
    access to all offerings within the Service, including but not limited to 
    Valuebasedmanagement.net Mail, Groups, Messenger, Chat, Domains, Personals, 
    Auctions, Message Boards, Greetings, Alerts and Games, (b) deletion of your 
    password and all related information, files and content associated with or 
    inside your account (or any part thereof), and (c) barring further use of 
    the Service. Further, you agree that all terminations for cause shall be 
    made in Valuebasedmanagement.net's sole discretion and that 
    Valuebasedmanagement.net shall not be liable to you or any third-party for 
    any termination of your account, any associated email address, or access to 
    the Service.
 
 
 14. DEALINGS WITH ADVERTISERS
 
 Your correspondence or business dealings with, or participation in 
    promotions of, advertisers found on or through the Service, including 
    payment and delivery of related goods or services, and any other terms, 
    conditions, warranties or representations associated with such dealings, are 
    solely between you and such advertiser. You agree that 
    Valuebasedmanagement.net shall not be responsible or liable for any loss or 
    damage of any sort incurred as the result of any such dealings or as the 
    result of the presence of such advertisers on the Service.
 
 
 15. LINKS
 
 The Service may provide, or third parties may provide, links to other World 
    Wide Web sites or resources. Because Valuebasedmanagement.net has no control 
    over such sites and resources, you acknowledge and agree that 
    Valuebasedmanagement.net is not responsible for the availability of such 
    external sites or resources, and does not endorse and is not responsible or 
    liable for any Content, advertising, products, or other materials on or 
    available from such sites or resources. You further acknowledge and agree 
    that Valuebasedmanagement.net shall not be responsible or liable, directly 
    or indirectly, for any damage or loss caused or alleged to be caused by or 
    in connection with use of or reliance on any such Content, goods or services 
    available on or through any such site or resource.
 
 
 16. VALUEBASEDMQNAGEMENT.NET'S PROPRIETARY RIGHTS
 
 You acknowledge and agree that the Service and any necessary software used 
    in connection with the Service ("Software") contain proprietary and 
    confidential information that is protected by applicable intellectual 
    property and other laws. You further acknowledge and agree that Content 
    contained in sponsor advertisements or information presented to you through 
    the Service or advertisers is protected by copyrights, trademarks, service 
    marks, patents or other proprietary rights and laws. Except as expressly 
    authorized by Valuebasedmanagement.net or advertisers, you agree not to 
    modify, rent, lease, loan, sell, distribute or create derivative works based 
    on the Service or the Software, in whole or in part.
 
 
 Valuebasedmanagement.net grants you a personal, non-transferable and 
    non-exclusive right and license to use the object code of its Software on a 
    single computer; provided that you do not (and do not allow any third party 
    to) copy, modify, create a derivative work of, reverse engineer, reverse 
    assemble or otherwise attempt to discover any source code, sell, assign, 
    sublicense, grant a security interest in or otherwise transfer any right in 
    the Software. You agree not to modify the Software in any manner or form, or 
    to use modified versions of the Software, including (without limitation) for 
    the purpose of obtaining unauthorized access to the Service. You agree not 
    to access the Service by any means other than through the interface that is 
    provided by Valuebasedmanagement.net for use in accessing the Service.
 
 
 17. DISCLAIMER OF WARRANTIES
 
 YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
 
 
 YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN 
    "AS IS" AND "AS AVAILABLE" BASIS. VALUEBASEDMANAGEMENT.NET 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.
 
 VALUEBASEDMANAGEMENT.NET net MAKES NO WARRANTY THAT (i) THE SERVICE WILL 
    MEET YOUR REQUIREMENTS, (ii) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, 
    SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE USE 
    OF THE SERVICE WILL BE ACCURATE OR RELIABLE, (iv) THE QUALITY OF ANY 
    PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY 
    YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS, AND (V) ANY ERRORS IN 
    THE SOFTWARE WILL BE CORRECTED.
 
 ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE 
    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.
 
 NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM 
    VALUEBASEDMANAGEMENT.NET OR THROUGH OR FROM THE SERVICE SHALL CREATE ANY 
    WARRANTY NOT EXPRESSLY STATED IN THE TOS.
 
 A SMALL PERCENTAGE OF USERS MAY EXPERIENCE EPILEPTIC SEIZURES WHEN EXPOSED 
    TO CERTAIN LIGHT PATTERNS OR BACKGROUNDS ON A COMPUTER SCREEN OR WHILE USING 
    THE SERVICE. CERTAIN CONDITIONS MAY INDUCE PREVIOUSLY UNDETECTED EPILEPTIC 
    SYMPTOMS EVEN IN USERS WHO HAVE NO HISTORY OF PRIOR SEIZURES OR EPILEPSY. IF 
    YOU, OR ANYONE IN YOUR FAMILY, HAVE AN EPILEPTIC CONDITION, CONSULT YOUR 
    PHYSICIAN PRIOR TO USING THE SERVICE. IMMEDIATELY DISCONTINUE USE OF THE 
    SERVICE AND CONSULT YOUR PHYSICIAN IF YOU EXPERIENCE ANY OF THE FOLLOWING 
    SYMPTOMS WHILE USING THE SERVICE -- DIZZINESS, ALTERED VISION, EYE OR MUSCLE 
    TWITCHES, LOSS OF AWARENESS, DISORIENTATION, ANY INVOLUNTARY MOVEMENT, OR 
    CONVULSIONS.
 
 
    18. LIMITATION OF LIABILITY
 
 YOU EXPRESSLY UNDERSTAND AND AGREE THAT VALUEBASEDMANAGEMENT.NET SHALL NOT 
    BE LIABLE TO YOU 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 
    VALUEBASEDMANAGEMENT.NET HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH 
    DAMAGES), RESULTING FROM: (i) THE USE OR THE INABILITY TO USE THE SERVICE; 
    (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 SERVICE.
 
 
 19. 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 SECTIONS 17 AND 18 
    MAY NOT APPLY TO YOU.
 
 
 20. SPECIAL ADMONITION FOR SERVICES RELATING TO FINANCIAL MATTERS
 
 If you intend to create or join any service, receive or request any news, 
    messages, alerts or other information from the Service concerning companies, 
    stock quotes, investments or securities, please read the above Sections 17 
    and 18 again. They go doubly for you. In addition, for this type of 
    information particularly, the phrase "Let the investor beware" is apt. The 
    Service is provided for informational purposes only, and no Content included 
    in the Service is intended for trading or investing purposes. 
    Valuebasedmanagement.net and its licensors shall not be responsible or 
    liable for the accuracy, usefulness or availability of any information 
    transmitted or made available via the Service, and shall not be responsible 
    or liable for any trading or investment decisions made based on such 
    information.
 
 
 21. NO THIRD PARTY BENEFICIARIES
 
 You agree that, except as otherwise expressly provided in this TOS, there 
    shall be no third party beneficiaries to this Agreement.
 
 
 22. NOTICE
 
 Valuebasedmanagement.net may provide you with notices, including those 
    regarding changes to the TOS, by either email, regular mail, or postings on 
    the Service.
 
 
 23. TRADEMARK INFORMATION
 
 The Valuebasedmanagement.net and Valuebasedmanagement.net logo,  
    trademarks and service marks and other Valuebasedmanagement.net logos and 
    product and service names are trademarks of Valuebasedmanagement.net. 
    Without Valuebasedmanagement.net's prior permission, you agree not to 
    display or use in any manner, the Valuebasedmanagement.net Marks.
 
 
 24. NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT OR INTELLECTUAL 
    PROPERTY INFRINGEMENT
 
 Valuebasedmanagement.net respects the intellectual property of others, and 
    we ask our users to do the same. Valuebasedmanagement.net may, in 
    appropriate circumstances and at its discretion, disable and/or terminate 
    the accounts of users who may be repeat infringers. If you believe that your 
    work has been copied in a way that constitutes copyright infringement, or 
    your intellectual property rights have been otherwise violated, please 
    provide Valuebasedmanagement.net's Copyright Agent the following 
    information:
 
 - an electronic or physical signature of the person authorized to act on 
    behalf of the owner of the copyright or other intellectual property 
    interest;
 - a description of the copyrighted work or other intellectual property that 
    you claim has been infringed;
 - a description of where the material that you claim is infringing is 
    located on the site;
 - your address, telephone number, and email address;
 - a statement by you that you have a good faith belief that the disputed use 
    is not authorized by the copyright owner, its agent, or the law;
 - a statement by you, made under penalty of perjury, that the above 
    information in your Notice is accurate and that you are the copyright or 
    intellectual property owner or authorized to act on the copyright or 
    intellectual property owner's behalf.
 
 Valuebasedmanagement.net's Agent for Notice of claims of copyright or other 
    intellectual property infringement can be reached by sending an email to 
    editor@valuebasedmanagement.net.
 
 
 25. GENERAL INFORMATION
 
 Entire Agreement. The TOS constitute the entire agreement between you and 
    Valuebasedmanagement.net and govern your use of the Service, superceding any 
    prior agreements between you and Valuebasedmanagement.net. You also may be 
    subject to additional terms and conditions that may apply when you use or 
    purchase certain other Valuebasedmanagement.net services, affiliate 
    services, third-party content or third-party software.
 
 
 Choice of Law and Forum. The TOS and the relationship between you and 
    Valuebasedmanagement.net shall be governed by the laws of the Netherlands. 
    You and Valuebasedmanagement.net agree to submit to the personal and 
    exclusive jurisdiction of the courts located within Utrecht, The 
    Netherlands.
 
 Waiver and Severability of Terms. The failure of Valuebasedmanagement.net to 
    exercise or enforce any right or provision of the TOS shall not constitute a 
    waiver of such right or provision. If any provision of the TOS is found by a 
    court of competent jurisdiction to be invalid, the parties nevertheless 
    agree that the court should endeavor to give effect to the parties' 
    intentions as reflected in the provision, and the other provisions of the 
    TOS remain in full force and effect.
 
 No Right of Survivorship and Non-Transferability. You agree that your 
    Valuebasedmanagement.net account is non-transferable and any rights to your 
    Valuebasedmanagement.net I.D. or contents within your account terminate upon 
    your death. Upon receipt of a copy of a death certificate, your account may 
    be terminated and all contents therein permanently deleted.
 
 Statute of Limitations. 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 the Service or the TOS must be filed within one (1) year after such claim 
    or cause of action arose or be forever barred.
 
 The section titles in the TOS are for convenience only and have no legal or 
    contractual effect.
 
 
 26. VIOLATIONS
 
 Please report any violations of the TOS to editor@valuebasedmanagement.net.
 
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