LAWRENCE/KREEFT & ASSOCIATES, INC. DISCLAIMER AND COPYRIGHT

Please read these terms and conditions carefully. By accessing this site, and any pages hereof, you agree to be bound by the terms and conditions below. The information and materials contained in these pages--and the terms, conditions and descriptions that appear--are subject to change.

NO WARRANTY

This Web site is for informational purposes only. The information and materials contained in this site--including text, graphics, links or other items--are provided "as is," "as available." Lawrence/Kreeft & Associates does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials. No warranty of any kind, implied, express or statutory, including but not limited to the warranties of title, non-infringement of third-party rights, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

COPYRIGHT

Materials copyrighted by Lawrence/Kreeft & Associates or owned by any individual or entity are presented here for personal, non-commercial use only. Documents, content or images contained in this Web site may not be copied or reproduced in any form without the written permission of Lawrence/Kreeft & Associates.

LIMITATION OF LIABILITY

In no event will Lawrence/Kreeft & Associates be liable for any damages, including without limitation direct or indirect, special, incidental or consequential damages, losses or expenses arising in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Lawrence/Kreeft & Associates, or representation thereof, are advised of the possibility of such damages, losses or expenses. Hyperlinks to other internet resources are at your own risk; the content, accuracy, opinions expressed and other links provided by these resources are not investigated, verified, monitored or endorsed by Lawrence/Kreeft & Associates.