We welcome you and truly appreciate your visit to the Stewart-Hay.com web site. We hope you find our web pages interesting, informative and, appropriate to your needs and the needs of your business. Unfortunately, because this is a public web site, there are a number of legal points that we must communicate to you so please read this Visitor Agreement. By using this web site, you accept all of its terms and conditions. This Visitor Agreement applies to all of the web sites owned and operated by Stewart-Hay Associates. The entire family of Stewart-Hay web sites is referred to collectively in this Visitor Agreement as the "Stewart-Hay web sites." This particular site may not have all of the features discussed in the Visitor Agreement. Additional terms and conditions may apply to some services offered on the Stewart-Hay web sites. Such terms and conditions may be found at the place where the service is offered. Because the world wide web is an evolving medium; we may change the terms of this Visitor Agreement from time to time. By continuing to use any of the Stewart-Hay web sites after we post any such changes, you accept the Visitor Agreement, as modified. We may change, restrict access to, suspend or discontinue the Stewart-Hay web sites, or any portion of the Stewart-Hay web sites, at any time. If you disagree with any material you find on the Stewart-Hay web sites, we ask that you respond by noting your disagreement in an E-mail or letter to us. We invite you to bring to our attention any material you believe to be factually misleading or inaccurate. Please forward a copy of the material to Stewart-Hay Associates, along with an explanation of your disagreement. Our mailing address is 359 Berkshire Drive, London, Ontario, Canada N6J 3R5. Thank you.

The material that appears on the Stewart-Hay web sites is for informational and advertising purposes only. Despite our best efforts to provide useful and accurate information, errors may appear from time to time. Before you act on information you've found on the Stewart-Hay web sites, you should confirm any facts that are important to your decision. Stewart-Hay Associates and its information providers make no warranty as to the reliability, accuracy, timeliness, usefulness or completeness of the information on the Stewart-Hay web sites. Stewart-Hay Associates is not responsible for, and cannot guarantee the performance of, goods and services provided by our advertisers or others to whose sites we link. Moreover, a link to another web site does not constitute an endorsement of that site (nor of any product, service or other material offered on that site) by Stewart-Hay Associates.

If you are an owner of intellectual property who believes your intellectual property has been improperly posted or distributed via the Stewart-Hay web sites, please notify us by sending an E- mail or a letter to Stewart-Hay Associates along with an explanation. Our mailing address is 359 Berkshire Drive, London, Ontario, Canada N6J 3R5. Stewart-Hay Associates expects that you will not use the Stewart-Hay Sites to violate anyone's copyright, trademark or other intellectual property rights. By submitting material to the Stewart-Hay web sites, you are representing that you are the owner of the material, or are making your submission with the express consent of the owner. Submitting material that is the property of another, without the consent of its owner, is not only a violation of this agreement, but may also subject you to legal liability for infringement of copyright, trademark or other intellectual property rights. All material you submit to the Stewart-Hay web sites becomes the property of Stewart-Hay Associates and may be reproduced, modified and distributed as we see fit in any medium, at any time and, for any purpose. You warrant that all moral rights in any material that you submit to us has been waived. The Stewart-Hay web sites belong to Stewart-Hay Associates and the copyright to the contents of these Stewart-Hay web sites is owned by Stewart-Hay Associates and other third parties. These contents are protected by copyright, trademark and other intellectual property laws. Users may download material from the Stewart-Hay web sites only for their personal (non-commercial) use. If this material is placed on the Web, on other electronic means or, in any other public forum, written permission must first be obtained from Stewart-Hay Associates. Once that written approval is obtained, written credit must be given to Stewart-Hay Associates along with a link or reference to the appropriate Stewart-Hay Site. Moreover, all copyright notices must be kept intact. Stewart-Hay Associates cannot of course give approval for any and all third party material. All other copying, redistributing, or publishing of any part of the Stewart-Hay web sites in any manner is prohibited. Requests for permission to reproduce or distribute materials found on the Stewart-Hay web sites should be sent by E-mail to Stewart-Hay Associates, or mailed to 359 Berkshire Drive, London, Ontario, Canada N6J 3R5. Thank you.

We welcome links to the Stewart-Hay web sites. You are usually free to establish a hypertext link to any of the Stewart-Hay web sites so long as the link does not state or imply any sponsorship of your site by any of the Stewart-Hay web sites or Stewart-Hay Associates. You should also check the copyright notice on the page to which you wish to link to make sure that one of our content providers does not have its own policies regarding direct links to their content on our sites. Framing is generally not allowed. You may not frame any of the content of the Stewart-Hay web sites, or incorporate into another web site or other service any intellectual property of Stewart-Hay Associates, the Stewart-Hay web sites, or any other third parties without the prior written permission of Stewart-Hay Associates or the appropriate third party. Requests for permission to frame our content should be sent by E-mail to Stewart-Hay Associates, or mailed to 359 Berkshire Drive, London, Ontario, Canada N6J 3R5. Thank you.

We work extremely hard to make the Stewart-Hay web sites interesting and enjoyable places, but we cannot guarantee that our users will always find everything to their personal liking. Please read this Disclaimer carefully before using any of the Stewart-Hay web sites. You agree that your use of the Stewart-Hay web sites is at your sole risk. Because of the number of possible sources of information available through the Stewart-Hay web sites, and the inherent hazards and uncertainties of electronic distribution, there may be delays, omissions, inaccuracies or other problems with such information. If you rely on any Stewart-Say web sites or any material available through the Stewart-Hay web sites, you do so at your own risk. You understand that you are solely responsible for any damage to your computer system or loss of data that results from any material and/or data downloaded from or otherwise provided through the Stewart-Hay web sites. The Stewart-Hay web sites are provided to you as is, with all faults, and as available. The Stewart-Hay web sites, Stewart-Hay Associates and their affiliates, agents and licensors cannot and do not warrant the accuracy, completeness, currentness, non-infringement, merchantability or fitness for a particular purpose of the information available through the Stewart-Hay web sites, nor do they guarantee that the Stewart-Hay web sites will be error-free, or continuously available, or that the Stewart-Hay web sites will be free of viruses or other harmful components. Under no circumstances shall the Stewart-Hay web sites, Stewart-Hay Associates, or their affiliates, agents or licensors be liable to you or anyone else for any damages arising out of use of the Stewart-Hay web sites, including, without limitation, liability for consequential, special, incidental, indirect or similar damages, even if we are advised beforehand of the possibility of such damages. (because some States do not allow the exclusion or limitation of certain categories of damages, the above limitation may not apply to you. In such States, the liability of the Stewart-Hay web sites, Stewart-Hay Associates, and their affiliates, agents and licensors is limited to the fullest extent permitted by such state law.) Stewart-Hay Associates warns of trojan horse viruses, spyware and worms as these can allow others to have unrestricted and thus unlimited access to your computer, your software and, your data. Stewart-Hay Associates strongly recommends that you always have an up-to-date anti-virus software program and a good anti-spyware program actively running on your computer when visiting the Stewart-Hay web sites or when surfing the web in general. Stewart-Hay Associates also strongly recommends that you use a hardware (router) and software firewall to prevent third party access to your computer.

Stewart-Hay Associates does its best to ensure that the information we post to the Stewart-Hay web sites is timely and accurate. None-the-less, news changes over time and the notices that were accurate when they were posted sometimes become inaccurate. Always cross-check the information and the notices posted on the Stewart-Hay web sites. You agree to indemnify, defend and hold harmless Stewart-Hay Associates, its affiliates, and their officers, directors, employees, agents, licensors and suppliers, from and against any and all losses, expenses, damages and costs (including attorneys' fees) resulting from any violation of this Visitor Agreement. This Visitor Agreement has been made in and shall be construed in accordance with the laws of the Province of Ontario. By using this Stewart-Hay web site, you consent to the exclusive jurisdiction of the Province and Federal Courts located in the Province of Ontario, in all disputes arising out of or relating to this agreement or use of this web site or any of the Stewart-Hay web sites. In the event that any portion of this Visitor Agreement is found to be invalid or unenforceable for any reason, such invalidity or unenforceability shall not affect the enforceability or validity of any other portion of this Visitor Agreement, which shall remain in full force and effect and be construed as if the invalid or unenforceable portion were not part of the Visitor Agreement. By using the Stewart-Hay web sites, you agree to abide by the terms of this Visitor Agreement. We hope you enjoy using the Stewart-Hay web sites, and we welcome all suggestions for improvements. Thank you.

Last updated January 18, 2006.