All the materials including text, graphics, icons, still and moving images, flash files, sound recordings, musical compositions, audiovisual works and software, are the property of and are copyrighted by The information published herein is for the personal use of the reader and may not be incorporated in any commercial activity. Any form of copying without express permission of the publisher, for other than an individual user's personal reference, is prohibited. Further distribution of these materials is strictly forbidden, including but not limited to: posting, emailing, faxing, archiving in a public database, redistributing via a computer network by any other electronic means or in printed form . You may not alter or remove any trademark, copyright or other notice from copies of the content. Contact us for permissions.

We reserve all rights in and title to all material so downloaded. All trademarks, service marks, trade names, trade dress and logos appearing on the site are the property of, including in some instances of their respective owners.

However, you may download material from our site (one machine readable copy and one print copy per page) for your personal, noncommercial use only.


We not liable for any infringement of copyright arising out of materials posted on or transmitted through the site, or items advertised on the site, by end users or any other third parties. If you believe that your rights in copyright are being violated by any materials posted on or transmitted through the site, please contact us promptly so that we may investigate the situation and, if appropriate, block or remove the offending materials. In order for us to investigate your claim of infringement, provide us with the following information:

An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright;
A description of the copyrighted work that you believe has been infringed and its location on our site
A documented proof about the originality of the material and its location and its date
Your name, address, telephone number, and e-mail address;
A statement by you that you in good-faith believe that the disputed use is not authorized by the copyright owner, its agent, or the law; and
A statement by you, made under penalty of perjury, that the information submitted to us is accurate and that you are the owner of the copyright or authorized to act on the owner's behalf.


The access to and/or use of this site is at the user's own risk. is not responsible for and disclaims any liability for any damages, including without limitation, direct, indirect, incidental and consequential damages, alleged to have been caused by or in connection with the access to and/or use of this site. The publisher of this site have used their best efforts in compiling the information for use by individuals and make no warranty of any kind, expressed or implied, with regard to the information published. The publisher shall not be liable in the event of incidental or consequential damages in connection with, or arising out of, the furnishing or use of the information, associated instructions / claims of productivity gains. Except as otherwise specifically provided, nothing contained herein shall be construed as conferring any license or right under any patent, trademark or copyright of or any third party.

While uses reasonable efforts to maintain the contents of this site accurate and up-to-date, the site is provided to the user on "as-is" basis and without warranties or representations of any kind, either expressed or implied. may modify and/or discontinue operation of all or any portions of this site at any time at its sole direction, without prior notice and assumes no responsibility to keep and/or update this site. shall not be required to respond to e-mail or other communications.

Any links to third party sites do not constitute an endorsement by and is not responsible for the availability of these sites or their contents. The linking to these sites is at the user's own risk.