http://tomsaaristo.com
Copyright Thomas Saaristo  All Rights Reserved
User agreement
The following constitutes the terms and conditions (the "Terms of Use") and the
Privacy Policy (the "Privacy Policy") governing your use of this web site located at
www.tomsaaristo.com and any content made available from or through this web site,
including any subdomains thereof (hereinafter, the "Web Site"). The Web Site is made
available by Thomas Saaristo, LLC, an Illinois limited liability company ("Tom Saaristo"
or "we" or "us"). We may change the Terms of Use from time to time by posting such
changes on the Web Site. Accordingly, you should periodically review these Terms of
Use for revisions made hereto. BY USING THE WEB SITE, YOU ACCEPT AND AGREE TO
THESE TERMS OF USE AS APPLIED TO YOUR USE OF THE WEB SITE. If you do not agree
to these Terms of Use, you may not access or otherwise use the Web Site.

1. Proprietary Rights. As between you and us, we own, solely and exclusively, all
rights, title and interest in and to the Web Site, all the content, other than that which
you submit to us pursuant to Section 6 below (including, for example, audio,
photographs, illustrations, graphics, other visuals, video, copy, text, software, titles,
etc.), code, data and materials thereon the look and feel, design and organization of
the Web Site, and the compilation of the content, code, data and materials on the Web
Site, including but not limited to any copyrights, trademark rights, patent rights,
database rights, moral rights, sui generis rights and other intellectual property and
proprietary rights therein. To the extent that we do not own material contained on
the Web Site, we have secured a license from the owner or licensor of such material
granting us the right to display such content in the manner displayed on the Web Site.
Your use of the Web Site does not grant to you ownership of any kind of any content,
code, data or materials you may access on or through the Web Site.

2. Limited License. You may access and view the content on the Web Site on your
computer or other device, and make single copies or prints of the content on the Web
Site at your own risk and for your personal, non-commercial and internal use only. Use
of the Web Site and the services offered on or through the Web Site, are only for your
personal, non-commercial use. You may not use the Web Site for commercial purposes
or in any way that is unlawful, or harms us or any other person or entity, as
determined in our sole discretion.

3. Prohibited Use. Any commercial or promotional distribution, publishing or
exploitation of the Web Site, or any content, code, data or materials on the Web Site,
is strictly prohibited unless you have received the express prior written permission
from authorized personnel of Tom Saaristo or the otherwise applicable rights holder.
Other than as expressly allowed herein, you may not download, post, display,
publish, copy, reproduce, distribute, transmit, modify, perform, broadcast, transfer,
create derivative works from, (However, you may, of course, prepare food and drink
in accordance with recipes contained on the Web Site for personal use and enjoyment
without violating this Terms of Use) sell or otherwise exploit any content, code, data
or materials on or available through the Web Site. You further agree that you may not
alter, edit, delete, remove, otherwise change the meaning or appearance of, or
repurpose, any of the content, code, data, or other materials on or made available
through the Web Site. (This includes, without limitation, the alteration or removal of
any Trademarks (as defined in Section 4 below) or any other proprietary content or
proprietary rights notices.) If you make other use of the Web Site, or the content,
code, data or materials thereon, except as otherwise provided above, you may be
subject to liability for such unauthorized use (including, without limitation, for
violations of copyright and other applicable laws).

4. Trademarks. The trademarks, logos, service marks and trade names (collectively the
"Trademarks") displayed on the Web Site or on content available through the Web Site
are registered and unregistered Trademarks of ours and others and may not be used
in connection with products and/or services that are not related to, associated with,
or sponsored by their rights holders that are likely to cause customer confusion, or in
any manner that disparages or discredits their rights holders. All Trademarks not
owned by us that appear on the Web Site or on or through the Web Site's services, if
any, are the property of their respective owners. Nothing contained on the Web Site
grants, by implication, estoppel, or otherwise, or should be construed as granting, by
implication, estoppel, or otherwise, any license or right to use any Trademark
displayed on the Web Site without our written permission or that of the third party
rights holder.

5. User Information. In the course of your use of the Web Site and/or the services
made available on or through the Web Site, you may be asked to provide certain
personal information to us (such information referred to hereinafter as "User
Information"). Our information collection and use policies with respect to the privacy
of such User Information are set forth in the Privacy Policy located at www.
tomsaaristo.com/privacy.html, which is incorporated herein by reference for all
purposes. You represent, warrant, acknowledge and agree that you are solely
responsible for the accuracy and content of User Information.

6. Submitted Materials. Unless specifically requested, we do not solicit nor do we wish
to receive any confidential, secret or proprietary information from you through the
Web Site, by e-mail or in any other way. Any information, creative works (including,
without limitation, text, photographs, graphics, audio, visual and audiovisual
content), demos, ideas, suggestions, concepts, methods, systems, designs, plans,
techniques or other materials submitted or sent to us (including, for example and
without limitation, that which you submit or post to message boards, review/ratings
boards and/or our blogs, or send to us via e-mail) ("Submitted Materials") will be
deemed not to be confidential or secret, and may be used by us in any manner
consistent with the Privacy Policy located at www.tomsaaristo.com/privacy.html. By
submitting or sending Submitted Materials to us, you: (i) represent and warrant that
the Submitted Materials are not confidential or secret, and no confidential or fiduciary
relationship is intended or created between you and us in any way, (ii) represent and
warrant that the Submitted Materials are original to you, that no other party has any
rights thereto, and that any "moral rights" in Submitted Materials have been waived,
and (iii) you grant us and our affiliates a royalty-free, unrestricted, worldwide,
perpetual, irrevocable, non-exclusive and fully transferable, assignable and
sublicensable right and license to use, copy, reproduce, modify, adapt, print, publish,
translate, create derivative works from, distribute, perform and display such material
(in whole or part) and/or to incorporate it in other works in any form, media, or
technology now known or later developed, including for promotional and/or
commercial purpose, and to authorize others to do so. We cannot be responsible for
maintaining any Submitted Materials that you provide to us, nor are we responsible
for any information included in any Submitted Materials (for example, without
limitation, a blog post or any comments to blog(s) created or posted by users), and
we may delete or destroy any such Submitted Materials at any time, in our sole
discretion.

You hereby appoint us as your agent with full power to enter into and execute any
document and/or do any act we may consider appropriate to confirm the grant of
rights, consents, agreements, assignments and waivers set forth in these terms of use.

If you submit a photograph, you also agree to, represent and warrant the following:
(i) you have the rights necessary to authorize us to use the photograph as permitted
by these Terms of Use; (ii) you authorize us to use the photograph as permitted by
these Terms of Use; (iii) you have obtained the necessary permissions, if any, for us to
use the photograph in accordance with the Terms of Use; and (iv) the photograph has
not been manipulated or altered in any manner so as to distort or misrepresent any
individual or thing depicted in it.

Tom Saaristo may, from time to time, make messaging services, chat services, bulletin
boards, message boards, photo galleries, blogs, user review and ratings forums, other
forums and other such services and features available on or through the Web Site to
which you may have the opportunity to provide or submit Submitted Materials. In
addition to any other rules or regulations that we may post in connection with a
particular service or feature, and in addition to the rest of the Terms of Use, you
represent, warrant and agree that you shall not upload, post, transmit, distribute or
otherwise publish through the Web Site or any service or feature made available on or
through the Web Site, any materials which are, do, or could reasonably be construed
to be or do any of the following:

•        Restrict or inhibit any other user from using and enjoying the Web Site or the
Web Site's services;

•        Are fraudulent, unlawful, threatening, abusive, harassing, libelous, defamatory,
obscene, vulgar, offensive, pornographic, profane, sexually explicit or indecent, or
that threatens or invites violence, or that is derogatory of others on the basis of
gender, race, ethnicity, national origin, religion, sexual preference or disability;

•        Constitute or encourage conduct that would constitute a criminal offense, give
rise to potential civil liability or otherwise violate any local, state, national or
international law;

•        Violate, plagiarize or infringe the rights of third parties including, without
limitation, copyright, trademark, trade secret, confidentiality, contract, patent, rights
of publicity or privacy or any other proprietary right;

•        Contain a virus, spyware, or other harmful component;

•        Contain embedded links, advertising, chain letters or pyramid schemes of any
kind;

•        Constitute or contain false or misleading indications of origin, endorsement or
statements of fact; or

•        Contain sensitive, proprietary or confidential information about yourself or
others.

Except as may be expressly permitted in connection with one of the Web Site's
services, you also may not offer to buy or sell any product or service on or through
your Submitted Materials. Tom Saaristo will not accept responsibility for any
information included in any Submitted Materials created or posted by users. You
alone are responsible for the content and consequences of any and all of your
activities and you submit Submitted Materials at your own risk.


7. Prohibited User Conduct. You warrant and agree that, while using the Web Site and
the various services and features offered on or through the Web Site you shall not: (a)
impersonate any person or entity, whether actual or fictitious, including anyone from
Tom Saaristo or its affiliates, or misrepresent your affiliation with any other person or
entity; (b) insert your own or a third party's advertising, branding or other
promotional content into any of the Web Site's content, materials or services or use,
redistribute, reuse, republish, repurpose or otherwise exploit such content or service
for any purpose or reason, including without limitation, further commercial or
promotional purposes; or (c) attempt to gain unauthorized access to other computer
systems through the Web Site.

If Tom Saaristo has banned you from the Web Site or any of the services on or
available through the Web Site, for any reason, in its sole discretion, you may not
return to the Web Site for any reason or in any manner. In the event that you do
return, or attempt to return, to the Web Site or a particular service offered by or
through the Web Site after you have been banned, you will be deemed to have
breached these Terms of Use, and Tom Saaristo reserves the right to pursue all rights
and remedies available to it at law or in equity with respect to such breach.

8. Right to Monitor. Tom Saaristo reserves the right, but does not and shall not have
an obligation, to monitor and/or to review all materials posted to the Web Site or
through the Web Site's services or features by users, and Tom Saaristo is not
responsible for any such materials posted by users. Tom Saaristo is not responsible for
any failure to monitor, review and/or delete any materials posted to the Web Site or
through the Web Site's services or features by users. However, Tom Saaristo reserves
the right at all times to disclose any information as necessary or advisable to satisfy
any law, regulation or government request; and to edit, to refuse to post or to
remove any information or materials, in whole or in part, that, in Tom Saaristo's sole
discretion, are in violation of these Terms of Use or applicable law. We may also
impose limits on certain features of the forums or restrict your access to part or all of
the forums without notice or penalty if we believe you are in breach of the guidelines
set forth in our Terms of Use or in violation of applicable law without notice or liability.

9. Linking to the Web Site. You agree that if you include a link from any other web site
to the Web Site, such link shall link to the full version of an HTML formatted page of
this Web Site. You are not permitted to link directly to any image hosted on the Web
Site or our services, such as using an "in-line" linking method to cause the image
hosted by us to be displayed on another web site. You agree not to link from any
other web site to this Web Site in any manner such that the Web Site, or any page of
the Web Site, is "framed," surrounded or obfuscated by any third party content,
materials or branding. We reserve all of our rights under the law to insist that any link
to the Web Site be discontinued, that the link open in a new browser window, and/or
to revoke your right to link to the Web Site from any other web site at any time upon
written notice to you.

10. Indemnification. By submitting or posting any User Information, photograph
and/or Submitted Materials you acknowledge and agree that, in the event that it
becomes necessary or advisable for us to defend ourselves, in a court of law or
otherwise, with respect to any such User Information, photograph and/or Submitted
Materials, we may rely on your representations and warranties contained herein. By
using the Web Site you acknowledge and agree that, in the event that it becomes
necessary or advisable for us to defend ourselves, in a court of law or otherwise, with
respect to your engaging in any prohibited user conduct, as described herein, we may
rely on your representations and warranties contained herein. You agree to defend,
indemnify and hold Tom Saaristo and its directors, officers, employees and agents
harmless from any and all claims, liabilities, costs and expenses, including reasonable
attorneys' fees and other costs of enforcing these Terms of Use, arising in any way
from your use of the Web Site, your placement or transmission of any message,
content, information, software or other materials on or through the Web Site, or your
breach or violation of the law or of these Terms of Use. Tom Saaristo reserves the
right, at its own expense, to assume the exclusive defense and control of any matter
otherwise subject to indemnification by you, and in such case, you agree to cooperate
with Tom Saaristo's defense of such claim.

11. Orders for Products and Services. We may make certain products available to
visitors and registrants of the Web Site. You may only order products if, and you
hereby represent and warrant that, you are 18 years old or older. You agree to pay in
full the prices for any purchases you make either by credit/debit card concurrent with
your online order or by other payment means acceptable to Tom Saaristo. You agree
to pay all applicable taxes. If payment is not received by us from your credit or debit
card issuer or its agents, you agree to pay all amounts due upon demand by us.
Certain products that you purchase and/or download on or through the Web Site may
be subject to additional terms and conditions presented to you at the time of such
purchase or download or thereafter.

12. Third Party Web Sites. You may be able to link from the Web Site to third party web
sites that take you outside of our service and third party web sites may link to the Web
Site ("Linked Sites"). For example, if you click on a banner advertisement or a search
result, the click may take you off the Web Site. This includes links from advertisers,
sponsors and content partners that may use our logo(s) as part of a co-branding
relationship. You acknowledge and agree that Tom Saaristo has no responsibility for
the information, content, products, services, advertising, code or other materials
which may or may not be provided by or through Linked Sites, even if they are owned
or run by affiliates of ours, and you rely on the same at your own risk. Such Linked
Sites are not under our control, and links to other sites are provided solely for the
convenience of users. You acknowledge that when you click on a link that leaves the
Web Site, the site you will land on is not controlled by us and different terms of use
and privacy policy may apply. By clicking on links to other sites, you acknowledge that
we are not responsible for those sites. We reserve the right to disable links from third-
party sites to the Web Site, although we are under no obligation to do so. Links to
Linked Sites do not constitute an endorsement or sponsorship by us of such web sites
or the information, content, products, services, advertising, code or other materials
presented on or through such web sites. Also, Tom Saaristo is not responsible for any
form of transmission received from any linked web site.

13. Notice and Procedure for Making Claims of Copyright Infringement. We respect
the intellectual property rights of others, and require that the people who use the
Web Site, or the services or features made available thereon, do the same. If you
believe in good faith that your work has been copied in a way that constitutes
copyright infringement, please notify our Copyright Agent, designated as such
pursuant to the Digital Millennium Copyright Act, 17 U.S.C. § 512(c)(2), named below.
To be effective, the notification must be a written communication that includes the
following:

•        A physical or electronic signature of person authorized to act on behalf of the
owner of an exclusive right that is allegedly infringed;

•        dentification of the copyrighted work claimed to have been infringed, or, if
multiple copyrighted works at a single online site are covered by a single notification,
a representative list of such works at that site;

•        Identification of the material that is claimed to be infringing or to be the subject
of infringing activity and that is to be removed or access to which is to be disabled,
and information reasonably sufficient to permit us to locate the material;

•        Information reasonably sufficient to permit us to contact the complaining party,
including an address, telephone number, and, if available, an electronic mail address
at which the complaining party may be contacted;

•        A statement that the complaining party has a good-faith belief that use of the
material in the manner complained of is not authorized by the copyright owner, its
agent, or the law; and

•        A statement that the information in the notification is accurate, and under
penalty of perjury, that the complaining party is authorized to act on behalf of the
owner of an exclusive right that is allegedly infringed.


We may give notice to our users by means of a general notice on this Web Site
electronic mail to a user's e-mail address in our records, or by written communication
sent by first-class mail to a user's physical address in our records. If you receive such a
notice, you may provide counter-notification in writing to the designated agent that
includes the information below. To be effective, the counter-notification must be a
written communication that includes the following:

•        Your physical or electronic signature;

•        Identification of the material that has been removed or to which access has been
disabled, and the location at which the material appeared before it was removed or
access to it was disabled;

•        A statement from you under the penalty of perjury, that you have a good faith
belief that the material was removed or disabled as a result of a mistake or
misidentification of the material to be removed or disabled; and

•        Your name, physical address and telephone number, and a statement that you
consent to the jurisdiction of a Federal District Court for the judicial district in which
your physical address is located, or if your physical address is outside of the United
States, the judicial district covering San Francisco, California, and that you will accept
service of process from the person who provided notification of allegedly infringing
material or an agent of such person.

Copyright Agent:


Thomas Saaristo, LLC


728 W Jackson Blvd, #1203, Chicago, Illinois 60661-5309

e-mail legal@tomsaaristo.com

14. DISCLAIMER OF WARRANTIES. THE WEB SITE, INCLUDING, WITHOUT LIMITATION,
ALL SERVICES, CONTENT, FUNCTIONS AND MATERIALS PROVIDED THROUGH THE WEB
SITE, ARE PROVIDED "AS IS," "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND,
EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY
FOR INFORMATION, DATA, DATA PROCESSING SERVICES, UPTIME OR
UNINTERRUPTED ACCESS, ANY WARRANTIES CONCERNING THE AVAILABILITY,
PLAYABILITY, DISPLAYABILITY, ACCURACY, USEFULNESS, CORRECTNESS, PRECISION,
THOROUGHNESS, COMPLETENESS OR CONTENT OR INFORMATION, AND ANY
WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A
PARTICULAR PURPOSE, AND WE HEREBY DISCLAIM ANY AND ALL SUCH
WARRANTIES, EXPRESS AND IMPLIED. WE DO NOT WARRANT THAT THE WEB SITE OR
THE SERVICES, CONTENT, FUNCTIONS OR MATERIALS PROVIDED THROUGH THE WEB
SITE WILL BE TIMELY, SECURE, UNINTERRUPTED OR ERROR FREE, OR THAT DEFECTS
WILL BE CORRECTED. WE MAKE NO WARRANTY THAT THE WEB SITE OR PROVIDED
SERVICES WILL MEET USERS' REQUIREMENTS. NO ADVICE, RESULTS OR
INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR
THROUGH THE WEB SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE
HEREIN. TOM SAARISTO ALSO ASSUMES NO RESPONSIBILITY, AND SHALL NOT BE
LIABLE FOR, ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR EQUIPMENT
ON ACCOUNT OF YOUR ACCESS TO, USE OF, OR BROWSING IN THE WEB SITE OR
YOUR DOWNLOADING OF ANY MATERIALS, DATA, TEXT, IMAGES, VIDEO CONTENT,
OR AUDIO CONTENT FROM THE WEB SITE.

WE RESERVE THE RIGHT TO CHANGE OR MAKE CORRECTIONS TO ANY OF THE
INFORMATION PROVIDED ON THE WEB SITE AT ANY TIME AND WITHOUT ANY PRIOR
WARNING. WE WILL NOT BE LIABLE FOR ANY INACCURACY OR OMISSION
CONCERNING ANY OF THE INFORMATION PROVIDED ON THE WEB SITE.

WITHOUT LIMITATION OF THE ABOVE IN THIS SECTION, TOM SAARISTO AND ITS
AFFILIATES, SUPPLIERS AND LICENSORS MAKE NO WARRANTIES OR
REPRESENTATIONS REGARDING ANY PRODUCTS OR SERVICES PROVIDED VIA THE WEB
SITE, AND HEREBY DISCLAIM, AND YOU HEREBY WAIVE, ANY AND ALL WARRANTIES
AND REPRESENTATIONS MADE IN PRODUCT OR SERVICES LITERATURE, FREQUENTLY
ASKED QUESTIONS DOCUMENTS AND OTHERWISE ON THE WEB SITE OR IN
CORRESPONDENCE WITH TOM SAARISTO OR ITS AGENTS. ANY PRODUCTS AND
SERVICES ORDERED OR PROVIDED VIA THE WEB SITE ARE PROVIDED BY TOM
SAARISTO "AS IS," EXCEPT TO THE EXTENT, IF AT ALL, OTHERWISE SET FORTH IN A
LICENSE OR SALE AGREEMENT SEPARATELY ENTERED INTO IN WRITING BETWEEN YOU
AND TOM SAARISTO OR ITS LICENSOR OR SUPPLIER.

UNDER NO CIRCUMSTANCES DOES YOUR USE OF THE WEB SITE FORM ANY
RELATIONSHIP, WHETHER IMPLIED OR EXPRESS, WITH TOM SAARISTO. TOM
SAARISTO HEREBY DISCLAIMS ANY SUCH RELATIONSHIP AND ANY LIABILITY ARISING
AS A RESULT OF ITS USE OF ANY CONTENT, INCLUDING, WITHOUT LIMITATION,
MESSAGES, COMMENTS OR CONTRIBUTIONS, CONTAINED ON THE WEB SITE.

15. LIMITATION OF LIABILITY. IN NO EVENT, INCLUDING BUT NOT LIMITED TO
NEGLIGENCE, SHALL TOM SAARISTO, ANY MEMBER OF THOMAS SAARISTO, LLC. OR
ANY OF THEIR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS OR CONTENT OR SERVICE
PROVIDERS (COLLECTIVELY, THE "PROTECTED ENTITIES") BE LIABLE FOR ANY DIRECT,
INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE
DAMAGES ARISING FROM, OR DIRECTLY OR INDIRECTLY RELATED TO, THE USE OF, OR
THE INABILITY TO USE, THE WEB SITE OR THE CONTENT, MATERIALS AND FUNCTIONS
RELATED THERETO, YOUR PROVISION OF INFORMATION VIA THE WEB SITE, LOST
BUSINESS OR LOST SALES, EVEN IF SUCH PROTECTED ENTITY HAS BEEN ADVISED OF
THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE
LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL
DAMAGES SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO CERTAIN
USERS. IN NO EVENT SHALL THE PROTECTED ENTITIES BE LIABLE FOR OR IN
CONNECTION WITH ANY CONTENT POSTED, TRANSMITTED, EXCHANGED OR RECEIVED
BY OR ON BEHALF OF ANY USER OR OTHER PERSON ON OR THROUGH THE WEB SITE.
IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF THE PROTECTED ENTITIES
TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN
CONTRACT OR TORT, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE OR OTHERWISE)
ARISING FROM THE TERMS OF USE OR YOUR USE OF THE WEB SITE EXCEED, IN THE
AGGREGATE, THE AMOUNT, IF ANY, PAID BY YOU TO TOM SAARISTO FOR YOUR USE
OF THE WEB SITE. IF YOU ARE DISSATISFIED WITH THE WEB SITE, YOUR SOLE REMEDY
IS TO DISCONTINUE USING THE WEB SITE.

16. Applicable Laws. We control and operate the Web Site from our offices in Chicago,
Illinois, United States of America. We do not represent that materials on the Web Site
are appropriate or available for use in other locations. Persons who choose to access
the Web Site from other locations do so on their own initiative, and are responsible for
compliance with local laws, if and to the extent local laws are applicable. All parties to
these Terms of Use waive their respective rights to a trial by jury.

17. Termination. Tom Saaristo may terminate, change, suspend or discontinue any
aspect of the Web Site or the Web Site's services (including, without limitation,
content, features or hours of availability), at any time and for any reason. Tom
Saaristo may restrict, suspend or terminate your access to the Web Site and/or its
services if we believe you are in breach of our Terms of Use or applicable law, or for
any other reason without notice or liability. Once you have been banned from use of
the Web Site, you may not thereafter use the Web Site under a new username or
identity. Tom Saaristo maintains a policy to terminate the Web Site use privileges of
users who repeatedly infringe the intellectual property rights of others (including
those of Tom Saaristo).

18. Changes to Terms of Use. Tom Saaristo reserves the right, at its sole discretion, to
change, modify, add or remove any portion of the Terms of Use, in whole or in part, at
any time. Changes in the Terms of Use will be effective when posted. Your continued
use of the Web Site and/or the services made available on or through the Web Site
after any changes to the Terms of Use are posted will be considered acceptance of
those changes.


19. Miscellaneous. The Terms of Use, and the relationship between you and us, shall
be governed by the laws of the State of Illinois, United States of America, without
regard to conflict of law provisions. You agree that any cause of action that may arise
under the Terms of Use shall be commenced and be heard in the appropriate court in
the State of Illinois, County of Cook, United States of America. You agree to submit to
the personal and exclusive jurisdiction of such courts. Our failure to exercise or
enforce any right or provision of the Terms of Use shall not constitute a waiver of
such right or provision. If any provision of the Terms of Use 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 Terms of Use remain in full force and effect.