TERMS AND CONDITIONS
                         
                        
                        
 
                        
                        
                        
                        
                             	
					
		- You may not use the displayed items on this Site, or any other 
		content on the Site, everything you see or read on this Site may not be 
		used except as provided in these Terms and Conditions. Any other use is 
		strictly prohibited. You may download one copy of the contents of the 
		Site to one computer for your personal and non-commercial home use 
		provided you do not change any copyright, trademark or other proprietary 
		notice. If you modify or use the materials for any other purpose you 
		will be violating the intellectual property rights of PFM, 
		Inc.
 
		- The Site provides you an opportunity to communicate with us. Please 
		be aware that any communication, whether it be suggestions, ideas, 
		graphics or other material, either through email or the "Tell a friend" 
		feature or to PFM, Inc. through the Site or otherwise will be 
		treated as non-confidential and non-proprietary. PFM, Inc. 
		takes no responsibility for any personalized content sent via email or 
		to anyone else through the the use of the "Tell a friend" feature on 
		this web site. Anything you submit, transmit or post becomes the 
		property of PFM, Inc. or any affiliates and PFM, 
		Inc. is free to use, without being limited thereto, any ideas, concepts, 
		suggestions, graphics, photography, or know-how contained in any 
		communication for any purpose whatsoever, whether commercial or 
		non-commercial, without payment of any compensation to you. 
 
		- PFM, Inc. has used reasonable efforts to include accurate 
		and up-to-date information on the Site, however it makes no warranties 
		or representation as to the accuracy of its contents. PFM, 
		Inc. assumes no liability or responsibility for any errors or omissions 
		in the contents of the Site. 
 
		- PFM, Inc. is not liable for any direct, indirect, 
		incidental, consequential or punitive damages arising out of your access 
		to, or use of, the Site. Without limiting the foregoing, everything on 
		the Site is provided to you "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER 
		EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED 
		WARRANTIES OF MERCHANTIBILITY, FITNESS FOR A PARTICULAR PURPOSE, OR 
		NONINFRINGEMENT. Further, PFM, Inc. assumes no responsibility 
		for and shall not be liable for any damages to, or viruses that may 
		infect your computer equipment on account of your access to, use of, or 
		browsing in the Site or your downloading of any materials, data, text, 
		images, video or audio from the Site. 
 
		- PFM, Inc. makes no representation about any other site 
		that you may access through its Site and is not responsible for the 
		contents of any other site. Unless expressly stated, PFM, Inc. 
		does not endorse any products or services offered by any company or 
		person linked to its Site. You may not create a link to the PFM, Inc. Site without first obtaining its written permission. 
 
		- You are prohibited from posting or transmitting any unlawful, 
		threatening, libelous, defamatory, obscene, scandalous, inflammatory, 
		pornographic or profane material or any material that could constitute 
		or encourage conduct that would be considered a criminal offense, give 
		rise to civil liability or otherwise violate any laws. PFM, 
		Inc. will fully cooperate with any law enforcement authorities or court 
		order requesting or directing it to disclose the identity of anyone 
		posting any such information or materials. 
 
		- This Site is controlled by PFM, Inc. from its offices 
		within the United States of America. PFM, Inc. makes no 
		representation that all of the contents of the Site are appropriate or 
		available for use in other locations, and access to the Site is 
		prohibited from locations where some or all of the content is illegal. 
		If you choose to access this site from other locations you do so on your 
		own initiative and you are responsible for compliance with applicable 
		local laws. You may not use or export any contents of the Site in 
		violation of U.S. export laws and regulations. Any claim relating to the 
		Site content shall be governed by the internal substantive laws of the 
		State of Georgia without regard to its conflict of law principles. 
 
		- PFM, Inc. may, at any time, revise these Terms and 
		Conditions by updating this posting. You are bound by any such revisions 
		and should therefore periodically visit this page to review the then 
		current Terms and Conditions.