Effective July 1, 2009

Welcome to The MyLowerTaxes Web site. By using our site, you are agreeing to comply with and be bound by the following terms of use. Please review the following terms carefully. If you do not agree to these terms, you should not use this site. The term "The Site" or "us" or "we" or "our" refers to MyLowerTaxes, the owner of the Web site. The term "you" refers to the user or viewer of our Web Site.

1. Acceptance of Agreement. You agree to the terms and conditions outlined in this Terms of Use Agreement ("Agreement") with respect to our site (the "Site"). This Agreement constitutes the entire and only agreement between us and you, and supersedes all prior or contemporaneous agreements, representations, warranties and understandings with respect to the Site, the content, products or services provided by or through the Site, and the subject matter of this Agreement. This Agreement may be amended at any time by us from time to time without specific notice to you. The latest Agreement will be posted on the Site, and you should review this Agreement prior to using the Site.

    

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3. Limited License; Permitted Uses. You are granted a non-exclusive, non-transferable, revocable license (a) to access and use the Site strictly in accordance with this Agreement; (b) to use the Site solely for internal, personal, non-commercial purposes; and (c) to print out discrete information from the Site solely for internal, personal, non-commercial purposes and provided that you maintain all copyright and other policies contained therein. No print out or electronic version of any part of the Site or its contents may be used by you in any litigation or arbitration matter whatsoever under any circumstances.

    

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5. User Conduct. The Site is to be used solely for lawful and approved purposes. User may not abuse or fraudulently use the Site, nor allow or permit such use by others, nor provide false information about User or impersonate another person or entity, nor misrepresent User’s affiliation with any other person or entity at any time, nor restrict or inhibit any other person or entity from using and enjoying the Site or the Materials, nor upload, post, publish or transmit any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or schemes or other unsolicited commercial communication or engage in spamming or flooding, nor post or transmit any information or software which is false, fraudulent or contains a virus, trojan horse, worm or other harmful component, nor attempt to do any of the above prohibited activities.
   MYLOWERTAXES may interrupt or terminate User’s access to any or all of the Site or Materials without notice to User and without prejudice to pursuing any rights MYLOWERTAXES may have against User if MYLOWERTAXES believes, in its sole judgment, that User has or is likely to violate the terms and conditions of this User Agreement or make a non-Approved Use of any Materials. MYLOWERTAXES is not liable for any damages of any nature suffered by User or any third party resulting in whole or in part from MYLOWERTAXES exercising its rights under this User Agreement. MYLOWERTAXES has no practical ability to monitor all conduct, communications, or content that might violate this User Agreement prior to its transmission over the MYLOWERTAXES network but may do so at its discretion. Therefore, MYLOWERTAXES does not assume any liability for its failure to terminate any User for such violations.
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6. DISCLAIMERS: ALL MATERIALS ON THIS SITE, INCLUDING WITHOUT LIMITATION ANY VALUATIONS PROVIDED THROUGH USE OF THIS SITE, ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITH ALL FAULTS FOR USE BY USER WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR THE WARRANTY OF NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, MYLOWERTAXES AND ITS PROVIDERS MAKE NO WARRANTY THAT (i) THE SITE AND MATERIALS WILL MEET USER’S REQUIREMENTS; (ii) THE SITE, ITS SERVERS OR MATERIALS WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPENTS; (iii) THE SITE, ITS SERVERS OR MATERIALS WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; (iv) THE VALUATION THAT MAY BE OBTAINED FROM THE SITE WILL BE COMPLETE, EFFECTIVE, ACCURATE OR RELIABLE; (v) THE QUALITY OF ANY PRODUCTS, SERVICES, OR INFORMATION OBTAINED BY USER FROM THE SITE WILL MEET USER’S EXPECTATIONS; OR (vi) THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED. YOUR USE OF THIS SITE IS AT YOUR OWN RISK. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, SOME OR ALL OF THESE EXCLUSIONS MAY NOT APPLY TO USER.
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   The use of the Site and the downloading, use or other acquisition of any Materials (including Valuations) through use of the Site is done at User’s own discretion and risk and with User’s understanding and User Agreement that User will be solely responsible for any damage to User’s computer system or loss of data that results from such activities. No advice or information, whether oral or written, obtained by User from MYLOWERTAXES or through or from the Site shall create any warranty not expressly stated in this User Agreement.
   Any home Valuation provided via this Site is NOT an appraisal report of the market value of the subject property prepared by a licensed professional appraiser. The Valuation has been generated by use of proprietary computer software which assembles publicly available property records and certain proprietary data to arrive at an approximate estimate of home valuation. Except where noted, the MyLowerTaxes™ Valuation has not been prepared, evaluated or reviewed by a licensed professional appraiser. User is advised to engage the services of a licensed professional appraiser in order to receive an accurate and comprehensive evaluation of the market value of a home.

    

7. Copyright. All Materials provided on or through use of this Site, including all text, images, graphics, animation, video, music, sound, design and layout of this Site, and the selection, coordination and arrangement of the Materials on this Site, are Copyright 2009 MYLOWERTAXES (All Rights Reserved) and may be protected by other intellectual property laws as well. Any unauthorized use of the Materials under this User Agreement may violate such laws. Except as expressly provided herein, MYLOWERTAXES and its Providers do not grant any express or implied right or license to User under any patents, copyrights, trademarks, or trade secret information appearing on or used in connection with the Site and Materials.
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