LINKS TO THIRD PARTY SITES The web site may contain links to the web sites controlled or offered by third parties (non-affiliates of CFH Associates). CFH Associates disclaims liability for any information, materials, products or services posted or offered at any of the third party sites linked from the web site. By creating a link to a third party Web site CFH Associates does not endorse or recommend any products or services offered or information contained at such linked web site, nor is CFH Associates liable for any failure of any products or services offered or advertised at such linked web site. You are responsible for viewing and abiding by the privacy statements and terms of use posted at such linked web site. Any dealings with third parties (including advertisers) included within the web site or participation in promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings or promotions are solely between you and the advertiser or other third party. CFH Associates shall not be responsible or liable for any part of any such dealings or promotions.

NO UNLAWFUL OR PROHIBITED USE As a condition for your use of the web site, you agree that you will not use the web site for any purpose that is unlawful or prohibited by these Terms and Conditions. The web site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulation. You may not use the web site in any manner which could damage, disable, overburden or impair the web site, the networks connected to the web site, or interfere with any other party's use and enjoyment of the web site. You may not attempt to gain unauthorized access to the web site, other accounts, computer systems or networks connected to the web site by any means, including without limitation, hacking or password mining. You may not obtain or attempt to obtain any materials or information, including without limitation, any currency exchange information, through any means not intentionally made available through the web site, including without limitation, through the use of any Web scraper, spider or robot.

USE OF COMMUNICATION SERVICES The web site may contain bulletin board services, chat groups, forums or other communication facilities designed to enable you to communicate with others (collectively the "Communication Service"). You agree to use the Communication Service only to post, send and receive messages and material that are proper and, when applicable, related to the Communication Service. You may not use the Communication Service to defame, abuse, harass, threaten or otherwise violate the legal rights of others. You may not use the Communication Service to publish, distribute or disseminate any inappropriate, profane, discriminatory, obscene, defamatory, indecent or unlawful topic, message, material or information, or to advertise or offer to sell or buy any goods or services. CFH Associates has no obligation to monitor the Communication Service, however CFH Associates reserves the right to review materials posted to the Communication Service and to remove any materials in its sole discretion. CFH Associates reserves the right to terminate your access to the Communication Service at any time, without notice, for any reason whatsoever.

MATERIALS PROVIDED TO CFH Associates CFH Associates does not claim ownership of any materials you provide to CFH Associates (including feedback and suggestions) or post, upload, input, provide or submit to the web site for review by members of the general public, or by members of any public or private group (each a "Submission"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting CFH Associates and its agents permission to use your Submission in connection with CFH Associates operation of the web site and its other businesses, including without limitation, the right to copy, distribute, transmit, publicly display, reproduce, edit, translate and reformat your Submission, and to publish your name in connection with your Submission, all without the payment of compensation to you in respect of any such use of your Submission. You warrant and represent that you own, or otherwise control, all of the rights to your Submission, including without limitation, the rights necessary for you to post, upload, input, provide or submit your Submission.

NO RIGHT TO REDISTRIBUTE WEB SITE MATERIALS You agree that you will not redistribute, copy, amend, or commercially exploit any materials found on the web site without CFH Associates's express written permission, which permission may be withheld at CFH Associates's sole discretion.

INDEMNITY You agree to indemnify and hold CFH Associates, its parent, subsidiaries, affiliates, directors, officers and employees, harmless from any claim, demand, or damage, including reasonable attorneys' fees, asserted by any third party or arising out of your use of, or conduct on, the web site.

COPYRIGHT No logo, trademark, graphic or image from the web site may be copied or retransmitted without the express written permission of CFH Associates. CFH Associates, and all associated logos are trademarks or registered trademarks of CFH Associates and may not be copied or transmitted without the express written permission of CFH Associates.

GENERAL Your use of the web site shall be governed by all applicable Federal laws of the United States of America and the laws of the State of Virginia. Certain sections or pages of the web site may contain separate terms or conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages. Your agree that your use of the web site will not create any joint venture, partnership, employment or agency relationship between you and CFH Associates. If any part of these Terms of Use is determined to be invalid or unenforceable pursuant to applicable law including but not limited to the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid and enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms and Conditions shall continue in effect.