This site (the "Site") is owned and operated by Expense Reduction Consulting, Inc. ("ERC") for your personal entertainment, information, education and communication. Please feel free to browse and access all sections of the Site, however, your access and use of the Site is subject to the following terms and conditions ("Terms and Conditions") and all applicable laws. By accessing and browsing the Site, you accept, without limitation or qualification, these Terms and Conditions. If you do not agree with any of the below Terms and Conditions, please do not use the Site. ERC reserves the right, in its sole discretion, to modify, alter or otherwise update these Terms and Conditions at any time and you agree to be bound by such modifications, alterations or updates.

Trademarks, Copyrights and Restrictions

All content on this site, including, but not limited to images, illustrations, audio clips, and video clips is protected by copyrights which are owned and controlled by ERC or by other parties that have licensed their content to ERC ("Content"). Content from the Site or any Web site owned, operated, licensed or controlled by ERC may not be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. Specifically, you may not link directly to ERC' audio or video files without prior written permission from an authorized representative of ERC, and no attempt should be made to promote or present any of the Content as your own work. Modification of the Content or use of the Content for any other purpose is a violation of the copyrights and other proprietary rights. For purposes of these Terms and Conditions, the use of any such material on any other Web site or networked computer environment is prohibited. The trademarks, logos and service marks ("Marks") displayed on the Site are the property of ERC and other parties. Users are prohibited from using any Marks without the written permission of ERC or such third party which may own the Marks.

Linked Sites

ERC may provide links and pointers to Internet sites maintained by others ("Third Party Sites"). ERC has not reviewed all of the Third Party Sites linked to the Site and is not responsible for the contents of, or any products or services offered, in such Third Party Sites.

Limitation of Liability/Disclaimer

Your use and browsing of the Site is at your own risk. If you are dissatisfied with any of the materials or content contained in the Site, or with any of these Terms and Conditions, your sole and exclusive remedy is to discontinue accessing and using the Site. To the fullest extent permissible pursuant to applicable law, neither ERC nor any other party involved in creating, producing or delivering the Site is liable for any direct, incidental, consequential, indirect or punitive damages arising out of your access to, or use of, the Site. Without limiting the foregoing, all content and materials on the Site is provided "as is", without warranty of any kind, either expressed or implied, including, but not limited to, the implied warranties or merchantability, fitness for a particular purpose, or non-infringement.

Other

If any provision of this agreement shall be deemed unlawful, void, or for any reason unenforceable then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions. ERC may at any time revise these Terms and Conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the most current Terms and Conditions to which you are bound. Thank you for visiting ERC.