legal

LEGAL TERMS AND RESTRICTIONS

                 CreditAbility hereby authorizes you to view, copy, print, and
                 distribute the documents, related graphics and materials published by
                 CreditAbility on this Web Site subject to the following conditions: 1)
                 use is for non-commercial or personal purposes only; 2) use is for
                 informational purposes only; 3) no documents or related graphics
                 available from this Site are modified in any way; and 4) no graphics
                 available from this Site are used separate from accompanying text. In
                 consideration of this authorization, you agree that the above copyright
                 notice and this permission notice shall appear in all copies of this
                 document, related graphics and materials, or any portions thereof.

                 Modification of the documents, related graphics and materials or use
                 of the documents, related graphics and materials for any other
                 purpose is a violation of CreditAbility's copyright and other
                 proprietary rights. The use of any documents, related graphics and
                 materials from this Site on any other Web Site or any networked
                 computer environment, without permission, is prohibited.

                 Any product, process or technology described in this Site may be the
                 subject of other Intellectual Property rights reserved by CreditAbility
                 and may not be licensed hereunder.

                 Nothing contained herein shall be construed as conferring by
                 implication any license or right under any patent
                 or trademark of CreditAbility or any third party. Except as expressly
                 provided above, nothing contained herein shall be construed as
                 conferring any license or right under any CreditAbility copyright.

Any rights not expressly granted herein are reserved.

TRADEMARKS.

                 CreditAbility and the CreditAbility logo, and other names of
                 CreditAbility and/or CreditAbility products referenced herein, are
                 trademarks or registered trademarks of CreditAbility Publishing Inc. All
                 other product and company names mentioned herein may be the
                 trademarks of their respective owners.

DISCLAIMER.

                 "Links" to other Web Sites or information sources are provided as a
                 courtesy, however, CreditAbility cannot vouch for or take
                 responsibility for the information contained in any Links. Links to this
                 Site do not represent or imply CreditAbility's endorsement.

                 CreditAbility makes no representations about the suitability of the
                 information contained in the documents and related graphics
                 published on this Site for any purpose. Any publication may include
                 technical inaccuracies or typographical errors. CreditAbility does
                 not warrant that the materials will be uninterrupted or error-free, that
                 defects will be corrected or that this Site, or the server that makes it
                 available, are free of viruses or other harmful components. Electronic
                 mail sent to this Site on the Internet is not secure, and users should
                 avoid sending sensitive or confidential information in unencrypted
                 messages.

                 ALL DOCUMENTS, MATERIALS AND RELATED GRAPHICS IN
                 THIS SITE ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY
                 KIND, WHETHER EXPRESS OR IMPLIED, AND CREDITABILITY
                 SPECIFICALLY DISCLAIMS ANY IMPLIED WARRANTIES,
                 WHETHER OF MERCHANTABILITY, SUITABILITY, FITNESS FOR A
                 PARTICULAR PURPOSE, INFRINGEMENT OR OTHERWISE.

LIMITATION OF LIABILITY.

                 IN NO EVENT SHALL CREDITABILITY BE LIABLE FOR ANY
                 SPECIAL, INCIDENTAL, INDIRECT, PUNITIVE OR
                 CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED TO,
                 LOSS OF PROFITS, LOSS OF USE, LOSS OF DATA OR
                 INFORMATION, BUSINESS INTERRUPTION, OR ANY OTHER
                 DAMAGES WHETHER IN AN ACTION OF CONTRACT,
                 NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF
                 OR IN CONNECTION WITH THE AVAILABILITY, USE, RELIANCE
                 ON OR INABILITY TO USE ANY INFORMATION AVAILABLE FROM
                 THIS SITE. IN NO EVENT SHALL CREDITABILITY'S TOTAL
                 LIABILITY FOR CLAIMS, DAMAGES AND CAUSES OF ACTION,
                 WHETHER IN CONTRACT, TORT OR OTHERWISE, EXCEED THE
                 AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING THIS SITE.

JURISDICTION.

                 This site is controlled and operated by CreditAbility from its offices
                 within the State of Baja Calfornia, Mexico. This agreement shall be governed
                 by and construed in accordance with the laws of the State of Baja California,
                 without giving effect to any principle of conflicts of law.

USE OF THIS SITE INDICATES YOUR AGREEMENT TO THE
LEGAL TERMS AND RESTRICTIONS CONTAINED HEREIN.