PAC does not assume any liability for these matters. In other words, you use this web site "as is" and at your own risk. Therefore, to the fullest extent permissible pursuant to applicable law, PAC disclaims any and all warranties of any kind, whether expressed or implied, as to any matter whatsoever relating to this web site, including, without limitation, the warranties of merchantability, fitness for a particular purpose, and non-infringement. PAC may from time to time revise the information, services, and resources contained in this web site and reserves the right to make such changes without any obligation to notify past, current, or prospective visitors. In no event shall PAC and its affiliates be liable or responsible for any loss, damage (whether actual, indirect, special, incidental, consequential, punitive, or otherwise), injury, claim, liability, or other cause of any kind or character whatsoever caused by, based upon, or arising out of any use of or inability to use either this web site (such as viruses, omissions, or misstatements) or the information contained in this web site, including any loss of data or loss of profit, even if we have been advised of the possibility of such damages. You agree to indemnify, defend, and hold harmless PAC and its affiliates, and their respective directors, officers, employees, agents, licensors, or any person or entity involved in the creation, production, and distribution of the web site, from and against any and all claims, liabilities, losses, costs, and expenses incurred in connection with any breach by you of these Terms of Use or resulting from, or in connection with, your use of this web site.

2. HYPERLINKS NOTICE.
This web site may link to sites not maintained by or related to PAC. Such hyperlinks are provided as a service to users and may not be sponsored by or affiliated with this web site or PAC. PAC has not reviewed any or all of the sites hyperlinked to or from this web site and is not responsible for the content, products, services, advertising, or other matters presented in any other sites. These links are to be accessed at the user's own risk, and PAC and its affiliates make no representations or warranties about the content, completeness, or accuracy of these links or the sites hyperlinked to or from this web site. Access to, and use of, any affiliated or non-affiliated sites is subject to their own Terms of Use and privacy policies.

If a third party links to this web site, it is not necessarily an indication of an endorsement, authorization, sponsorship, affiliation, joint venture, or partnership by or with PAC or its affiliates. In addition, if a third party has linked to this web site, it does not imply that we are endorsing such web site or its products.

3. INFORMATION NOTICE AND PERMISSIBLE USE.

The content displayed on this web site is for the exclusive use of the PAC subscriber only and, except for such personal use, may not be copied, distributed, displayed, reproduced, or transmitted in any form or by any means (electronic, mechanical, photocopying, recording, or otherwise) without the prior written consent of PAC. You agree not to use this web site and its content in any manner whatsoever that violates applicable laws and regulations.

4. TRADEMARK NOTICE.
This web site contains many of the valuable trademarks owned and used by PAC and its affiliates to distinguish its quality products and services. These trademarks and related proprietary property are protected from copying and simulation under applicable laws and are not to be reproduced or copied without the express written consent of PAC.

5. ACCESS TO WEB SITE.
PAC reserves the right, for any reason and without notice, in its sole discretion, to terminate, change, suspend, or interrupt access, in whole or in part, to its web sites, including its contents, features, and hours of availability.

6. LEGAL CLAIMS AND ENFORCEMENT.
This Terms of Use agreement shall be governed by and construed and enforced in accordance with the laws of the State of Connecticut, as it is applied to agreements entered into and to be performed entirely within that State, without giving effect to any principles of conflicts of laws. Any legal action concerning this Terms of Use agreement or this web site must be brought within one (1) year after the claim or cause of action arises and must be brought only in either the state or federal courts located in Fairfield County, Connecticut, and you expressly consent to the jurisdiction of said courts.

7. SEVERABILITY AND INTEGRATION.
If any provision of this Terms of Use agreement shall be determined to be unlawful, void, or for any reason unenforceable by a court of competent jurisdiction, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the matters contained herein and shall not be modified, except in a writing signed by PAC.