UMS Group Inc. and its affiliates ("UMS" or "we") provide its content on this Web site (the "Site") subject to the following terms and conditions (the "Terms"). Because of the changing nature of the Internet, its contents and uses, the terms listed here are a guide and subject to change. Any changes will be posted on this page. By accessing and using this Site, you agree to these Terms. For an explanation of UMS's practices and policies related to the collection, use, and storage of our users' information, please read our
Privacy Statement

Disclaimer
The content and functionality on the site is provided with the understanding that UMS is not herein engaged in rendering professional advice and services to you. All content and functionality on the site is provided "as is," without warranty of any kind, either express or implied, including, without limitation, implied warranties of merchantability and fitness for a particular purpose. UMS and its third-party content providers make no warranties, express or implied, as to the ownership, accuracy, or adequacy of the site content. UMS shall have no liability or responsibility for any information published on linked web sites, contained in any user submissions published on the site, or provided by third parties. Neither UMS nor its third-party content providers shall be liable for any indirect, incidental, consequential, or punitive damages or for lost revenues or profits, whether or not advised of the possibility of such damages or losses and regardless of the theory of liability.

Copyrights
All content and functionality on the Site, including text, graphics, logos, icons, and images and the selection and arrangement thereof, is the exclusive property of UMS or its licensors and is protected by U.S. and international copyright laws. All rights not expressly granted are reserved.

Trademarks
The trademarks, service marks, designs, and logos (collectively, the "Trademarks") displayed on the Site are the registered and unregistered Trademarks of UMS and its licensors. You agree that you will not refer to or attribute any information to UMS or its licensors in any public medium (e.g., press release, Web sites) for advertising or promotion purposes, or for the purpose of informing or influencing any third party and that you will not use or reproduce any Trademark of, or imply any endorsement by or relationship with, UMS or its licensors.

Use of Site Content
UMS hereby grants you a non-exclusive, non-transferable license for the term hereof to access and download, display, and print one copy of the content and functionality displayed on the Site (the "Site Content") on any single computer solely for your internal, business use, provided that you do not modify the Site Content in any way and that you retain all copyright and other proprietary notices displayed on the Site Content. You may not otherwise reproduce, modify, distribute, transmit, post, or disclose the Site Content without UMS's prior written consent.

Third-Party Web Sites
We may provide links to third-party Web sites. UMS has no responsibility for these third-party Web sites, which are governed by the Terms of Use and privacy policies, if any, of the applicable third-party content providers.

Governing Law; Jurisdiction
The laws of the State of New Jersey, United States govern these Terms without reference to the principles of conflicts of laws thereof. Any dispute arising from these Terms shall be resolved exclusively in the state and federal courts of the County of Morris.