Annickarts

Agreement between User and ANNICKARTS

Use
ANNICKARTS("ANNICKARTS") maintains this web site (the "Site") as a service to its Users. The information presented herein is for informative purposes only. ANNICKARTS invites Users to visit the Site and download and copy information, documents and materials (collectively, "Materials") from the Site for User's personal, non-commercial use, without any right to resell, redistribute or create derivative works therefrom, subject to the terms and conditions outlined below. Use of this Site constitutes agreement with the following terms and conditions.

Disclaimer
MATERIALS PROVIDED ON THIS SITE ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. ANNICKARTS specifically does not make any warranties or representations as to the accuracy or completeness of any such Materials. ANNICKARTS periodically adds, changes, improves, or updates the Materials on this Site without notice. Under no circumstances shall ANNICKARTS be liable for any loss, damage, liability or expense incurred or suffered which is claimed to resulted from use of this Site, including without limitation, any fault, error, omission, interruption or delay with respect thereto. Use of this Site is at User's sole risk. Under no circumstances, including, but not limited to, negligence, shall ANNICKARTS or its affiliates be liable for any direct, indirect, incidental, special or consequential damages, even if ANNICKARTS has been advised of the possibility of such damages.

User specifically acknowledges and agrees that ANNICKARTS is not liable for any conduct of any User.

This site may contain advice, opinions, and statements of various information providers and content providers. ANNICKARTS does not represent or endorse the accuracy or reliability of any advice, opinion, statement or other information provided by any information provider or content provider, or any user of this site or other person or entity. Reliance upon any such opinion, advice, statement, or other information shall also be at your own risk. Neither ANNICKARTS nor its affiliates, nor any of their respective agents, employees, information providers or content providers shall be liable to any User or anyone else for any inaccuracy, error, omission, interruption, timeliness, completeness, deletion, defect, failure of performance, computer virus, communication line failure, alteration of, or use of any content herein, regardless of cause, for any damages resulting there from.

As a condition of use of this Site, User agrees to indemnify ANNICKARTS and its affiliates from and against any and all actions, claims, losses, damages, liabilities and expenses (including reasonable attorneys' fees) arising out User's use of this Site, including without limitation any claims alleging facts that if true would constitute a breach by User of these terms and conditions. If User is dissatisfied with any material on this Site or with any of terms and conditions of use of this Site, User's sole and exclusive remedy is to discontinue using this Site.

Nothing in this Site or any Materials shall be construed, implicitly or explicitly, as containing any investment recommendations. ANNICKARTS is not registered under the U.S. Investment Advisers Act of 1940. Accordingly, nothing in such Site, or in such Materials, constitutes an offer of or an invitation by or on behalf of ANNICKARTS to purchase or sell any of the shares or securities of companies mentioned, nor should it be considered as investment advice.

Links to third party web sites
This Site contains links to third-party web sites. The linked sites are not under the control of ANNICKARTS and ANNICKARTS is not responsible for the contents of any linked site or any link contained in a linked site. ANNICKARTS provides these links only as a convenience, and the inclusion of a link does not imply endorsement of the linked site by ANNICKARTS.

If this Site contains bulletin boards, chat rooms, access to mailing lists or other message or communication facilities (collectively, "Forums"), User agrees to use the Forums only to send and receive messages and material that are proper and related to the particular Forum. By way of example, and not as a limitation, User agrees that when using a Forum, User shall not do any of the following:

Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
Publish, post, distribute or disseminate any defamatory, infringing, obscene, indecent or unlawful material or information.
Upload or attach files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
Upload or attach files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
Delete any author attributions, legal notices or proprietary designations or labels in any file that is uploaded.
Falsify the origin or source of software or other material contained in a file that is uploaded.
Advertise or offer to sell any goods or services, or conduct or forward surveys, contests, or chain letters.
Download any file posted by another user of a Forum that you know, or reasonably should know, cannot be legally distributed in such manner.

User acknowledges that all Forums are public and not private communications. Further, User acknowledges that chats, postings, conferences, e-mails and other communications by other users are not endorsed by ANNICKARTS, and such communications shall not be considered reviewed, screened, or approved by ANNICKARTS. ANNICKARTS reserves the right for any reason to remove without notice any contents of the Forums received from Users, including without limitation e-mail and bulletin board postings.

Applicable laws; consents
This Agreement will be interpreted and enforced in accordance with the laws of the District of Columbia, United States of America. Any action to enforce this agreement shall be brought in the federal courts located in Washington, D.C.

User specifically acknowledges that its use of the Site may be subject to applicable law and to the rules and regulations of various stock exchanges and regulatory authorities, as well as restrictions imposed by various data providers, any or all of which may restrict such use. User agrees to identify and obtain any agreement, approval, license or permit from which may be so required, at User's own expense.

General
ANNICKARTS reserves its exclusive right in its sole discretion to alter, limit or discontinue the site or any Materials in any respect. ANNICKARTS shall have no obligation to take the needs of any user into consideration in connection therewith.

ANNICKARTS reserves the right to deny in its sole discretion any user access to this Site or any portion thereof without notice.

No waiver by ANNICKARTS of any provision of this Agreement shall be binding except as set forth in a writing signed by its duly authorized representative.

ANNICKARTS's Privacy Policy

I. Introduction
Your privacy on the Internet is of the utmost importance to us. Because we gather certain types of information about the users of ANNICKARTS’s sites and services, we want to ensure that you fully understand the terms and conditions surrounding the capture and use of that information. This privacy statement discloses what information we gather and how we use it. This privacy policy applies to all ANNICKARTS sites - that is all sites within the "ANNICKARTS.org" domain name, unless a separate policy is posted for a specific site within ANNICKARTS.org.

II. What Information Does ANNICKARTS Collect?
If you are just browsing on ANNICKARTS's site, we do not collect any personal information regarding your use of the site. However, if you register for an email newsletter, submit a proposal or join a discussion group, respond to a survey, you will be asked for personal information, such as your name and email address. When you register, ANNICKARTS may set a cookie, a small bit of code stored on your hard drive that enables you to manage your subscriptions and online profile. By setting this cookie ANNICKARTS will remember you the next time you visit and won't have to bother you by asking questions you have already answered (like address information).

In addition, ANNICKARTS also records your IP address, which is the Internet address of your computer, and information such as your browser type and operating system. This information helps us learn about the geographical distribution of our Web site visitors and the technology they use to access our site. This information is never connected with the personal information you supply to us if you register on our website.

III. What Does ANNICKARTS Do with the Information?
ANNICKARTS uses the information for four primary purposes:

To make the site easier for you to use by not having to enter information like your address more than once.
To help you quickly find information that is relevant to you based on your interests.
To help us create site content areas most relevant to you.
To confirm your purchases and registrations on the site.

IV. What If I Don't Want to Share My Information?
ANNICKARTS views the customer information that it collects from its Web site as a trusted asset for which we take great care in not misusing.

ANNICKARTS will not share, sell, distribute or rent your information to anyone. Whenever we use other organizations to provide support services, we will require them to conform to our privacy standards and allow us to audit them for compliance. We may also share your information with co-sponsors of ANNICKARTS events and publications, unless you notify us that you wish your information not to be used in this way. We will not otherwise reveal personal information to any external organization unless we have previously informed you by notice at this address, have been authorized by you, or are requested by law.

V. Security
The World Bank Group, including ANNICKARTS, employs a range of technologies to protect the information maintained on our systems from loss, misuse, unauthorized access or disclosure, alteration, or destruction.

VI. How to Contact Us
If you have any questions or concerns about ANNICKARTS Privacy Policy, please contact us at webmaster@annickarts.com.

VII. Notification of Changes
If there are any changes to this privacy policy, we will post them on our home page at: www.annickarts.com so that you are completely aware of how the changes will affect you.

Glossary

Cookie
A cookie is a small amount of data, which often includes an anonymous unique identifier that is sent to your browser from a web site's computers and stored on your computer's hard drive. Each web site can send its own cookie to your browser if your browser's preferences allow it, but (to protect your privacy) your browser only permits a web site to access the cookies it has already sent to you, not the cookies sent to you by other sites. Once the user has closed the browser the cookie will no longer be accessed during that session.

IP Address
When your web browser or email application requests a web page or email from another computer on the Internet, it automatically gives that computer the address where it should send the information. This is called your computer's "IP address." (IP stands for "Internet protocol.") For many users accessing the Internet from a dial-up Internet service provider (ISP), the IP address will be different every time you log on. ANNICKARTS does this to learn about the geographical make-up of its web site traffic.

Contact webmaster@annickarts.com with questions or problems with this Site.