Terms of Service 4 — Your Site Title

Terms of service.

TERMS OF SERVICE AGREEMENT

1. ACCEPTANCE OF TERMS

The services that Morgan Evans provides to User is subject to the following Terms of Service ("TOS"). Morgan Evans reserves the right to update the TOS at any time without notice to User. The most current version of the TOS can be reviewed by clicking on the "Terms of Service" hypertext link located at the bottom of our Web pages.

A. This Agreement which incorporates by reference other provisions applicable to use of www.villagepsychic.org including, but not limited to, supplemental terms and conditions set forth hereof ("Supplemental Terms") governing the use of certain specific materials contained in www.villagepsychic.org sets forth the terms and conditions that apply to the use of www.villagepsychic.org by user. By using Morgan Evans (other than to read this Agreement for the first time), User agrees to comply with all of the terms and conditions hereof. The right to use www.villagepsychic.org is personal to User and is not transferrable to any other person or entity. User is responsible for all use of User's Account (under any screen name or password) and for ensuring that all use of User's Account complies fully with the provisions of this Agreement. User shall be responsible for protecting the confidentiality of User's password(s) (if any).

B. Morgan Evans shall have the right at any time to change or discontinue any aspect of www.villagepsychic.org including, but not limited to content, hours of availability, and equipment needed for access or use.

2. CHANGED TERMS

Morgan Evans shall have the right at any time to change or modify the terms and conditions applicable to the User's use of www.villagepsychic.org or any part thereof, or to impose new conditions, including, but not limited to, adding fees and charges for use. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by means including, but not limited to, posting on

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www.villagepsychic.org or by electronic or conventional mail, or by any other means by which User obtains notice thereof. Any use of www.villagepsychic.org by User after such notice shall be deemed to constitute acceptance by User of such changes, modifications or additions.

3. DESCRIPTION OF SERVICES

Through its Web property, Morgan Evans provides User with access to a variety of resources, including download areas, communication forums and product information(collectively "services"). The Services, including any updates, enhancements, new features, and/or the addition of any Web properties, are subject to the TOS.

4. EQUIPMENT

User shall be responsible for obtaining and maintaining all telephone, computer hardware, software and other equipment needed for access to and use of www.villagepsychic.org and all charges related thereto.

5. USER CONDUCT

A. User shall use www.villagepsychic.org for lawful purposes only. User shall not post or transmit through www.villagepsychic.org any material which violates or infringes in any way upon the rights of others, which is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any law, or which, without Morgan Evans’ express prior approval, contains advertising or any solicitation with respect to products or services. Any conduct by a User that in Morgan Evans discretion restricts or inhibits any other User from using or enjoying www.villagepsychic.org will not be permitted. User shall not use www.villagepsychic.org to advertise or perform any commercial solicitation, including, but not limited to, the solicitation of users to become

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subscribers of other on-line information services competitive with Morgan Evans
B. www.villagepsychic.org contains copyrighted material, trademarks and other proprietary information, including, but not limited to, text, software, photos, video, graphics, music and sound, and the entire contents of www.villagepsychic.org are copyrighted as a collective work under the United States copyright laws. Morgan Evans owns a copyright in the selection, coordination, arrangement and enhancement of such content, as well as in the content original to it. User may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the content, in whole or in part. User may download copyrighted material for User's personal use only. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial exploitation of downloaded material will be permitted without the express permission of Morgan Evans and the copyright owner. In the event of any permitted copying, redistribution or publication of copyright notice shall be made. User acknowledges that it does not acquire any ownership rights by downloading copyrighted material.

C. User shall not upload, post or otherwise make available on www.villagepsychic.org any material protected by copyright, trademark or other proprietary right without the express permission of the owner of the copyright, trademark or other proprietary right and the burden of determining that any material is not protected by copyright rests with the User. User shall be solely liable for any damage resulting from any infringement of copyrights, proprietary rights, or any other harm resulting from such a submission. By submitting material to any public area of www.villagepsychic.org User automatically grants, or warrants that the owner of such material has expressly granted Morgan Evans the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate and distribute such material(in whole or in part) worldwide and/or to incorporate it in other works in any form, media or technology now known or hereafter developed for the full term of any copyright that may exist in such material. User also permits any other User to access, view, and store or reproduce the material for that User's personal use. User hereby grants Morgan Evans the right to edit, copy, publish and distribute any material made available on www.villagepsychic.org by User.

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D. The foregoing provisions of Section 5 are for the benefit Morgan Evans , its subsidiaries, affiliates and its third party content providers and licensors(if any) and each shall have the right to assert and enforce such provisions directly or on its own behalf.

6. USE OF SERVICES

The Services may contain email services, bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, photo albums, file cabinets and/or other message or communication facilities designed to enable User to communicate with others (each a "Communication Service" and collectively "Communication Services"). User agrees to use the Communication Services only to post, send and receive messages and material that are proper and, when applicable, related to the particular Communication Service. By way of example, and not as a limitation, User agrees that when using the Communication Services, User will not:

• Use the Communication Services in connection with surveys, contests, pyramid schemes, chain letters, junk email, spamming or any duplicate or unsolicited messages (commercial or otherwise).

• Defame abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.

• Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, obscene, indecent or unlawful topic, name, material or information.

• Upload, or otherwise make available, files that contain images, photographs, videos or other material protected by intellectual property laws (or by rights of privacy or publicity) unless User won or control the rights thereto or have received all necessary consent to do the same.

• Use any material or information, including images or photographs, which are made available through the Services in any manner that infringes copyright, trademark, patent, trade secret, or other proprietary right of any party.

• Upload files that contain viruses, Trojan horses, worms, time bombs, cancel bots, corrupted files, or any other similar software or programs that may damage the operation of another's computer or property of another.

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• Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Services specifically allows such messages.

• Download any file posted by another user of a Communication Service that User know, or reasonably should know, cannot be legally reproduced, displayed, performed, and/or distributed in such manner.

• Falsify or delete any copyright management information, such as author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.

• Restrict or inhibit any other user from using and enjoying the Communication Services.

• Violate any code of conduct or other guidelines which may be applicable for any
particular Communication Services.

• Harvest or otherwise collect information about others, including email addresses.

• Violate any applicable laws or regulations.

• Create a false identity for the purpose of misleading others.

• Use, download or otherwise copy, or provide (whether or not for a fee) to a person or entity any directory of users of the Services or other user or usage information or any portion thereof. Morgan Evans has no obligation to monitor the Communication Services. However, Morgan Evans reserves the right to review materials posted to the Communication Services and to remove any materials in its sole discretion. Morgan Evans reserves the right to terminate User's access to any or all of the Communication Services at any time, without notice, for any reason whatsoever. Morgan Evans reserves the right at all times to disclose any information as it deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Morgan Evans sole discretion.

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Materials uploaded to the Communication Services may be subject to posted limitations on usage, reproduction and/or dissemination; User is responsible for adhering to such limitations if User downloads the materials.
Always use caution when giving out any personally identifiable information in any Communication Services. Morgan Evans does not control or endorse the content, messages or information found in any Communication Services and, therefore, Morgan Evans specifically disclaims any liability with regard to the Communication Services and any actions resulting from User's participation in any Communication Services. Managers and hosts are not authorized Morgan Evans spokespersons, and their views do not necessarily reflect those of Morgan Evans.

7. MEMBER ACCOUNT, PASSWORD, AND SECURITY

If any of the Services requires User to open an account, User must complete the registration process by providing Morgan Evans with current, complete and accurate information as prompted by the applicable registration form. User also will choose a password and a User name. User is entirely responsible for maintaining the confidentiality of User's password and account. Furthermore, User is entirely responsible for any and all activities that occur under User's account. User agrees to notify Morgan Evans immediately of any unauthorized use of User's account or any other breach of security. Morgan Evans will not be liable for any loss that User may incur as a result of someone else using User's password or account, either with or without User's Knowledge. However, User could be held liable for losses incurred by Morgan Evans or another party due to someone else using User's account or password. User may not use anyone else's account at any time, without the permission of the account holder.

8. NOTICE SPECIFIC TO DOCUMENTS AVAILABLE ON THIS YOUR WEBSITE ADDRESS

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Permission to use Documents (such as white papers, press releases, data sheets and FAQs) from the Services is granted, provided that;

• the below copyright notice appears in all copies and that both the copyright notice and this permission notice appear;

• use of such Documents from the Services is for informational and non-commercial or personal use only and will not copied or posted on any network computer or broadcast in any media;

• no modifications of any Documents are made. Accredited educational institutions, such as universities, private/public colleges, and state community colleges, may download and reproduce the Documents for distribution in the classroom. Distribution outside the classroom requires express written permission. Use for any other purpose is expressly prohibited by law; and may result in civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.
Morgan Evans AND/OR ITS RESPECTIVE SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION CONTAINED IN THE DOCUMENTS AND RELATED GRAPHICS PUBLISHED AS PART OF THE SERVICES FOR ANY PURPOSE. ALL SUCH DOCUMENTS AND RELATED GRAPHICS PUBLISHED AS PART OF THE SERVICES FOR ANY PURPOSE ALL SUCH DOCUMENTS AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. DOLLY FOTI AND/OR RESPECTIVE SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, INCLUDING ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, WHETHER EXPRESS, IMPLIED OR STATUTORY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON- INFRINGEMENT. IN NO EVENT SHALL MORGAN EVANS AND/OR ITS RESPECTIVE SUPPLIERS AS LIABLE FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA OR PROFITS,WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION

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WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE FROM THE SERVICES.

THE DOCUMENTS AND RELATED GRAPHICS PUBLISHED ON THE SERVICES COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. Morgan Evans AND/OR ITS RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE PRODUCT(S) AND/OR THE PROGRAM(S) DESCRIBED HEREIN AT ANY TIME.

9. MATERIALS PROVIDED TO MORGAN EVANS OR POSTED AT ANY OF ITS WEBSITE ADDRESSES

MORGAN EVANS does not claim ownership of the materials User provide to Morgan Evans (including feedback and suggestions) or post, upload, input or submit to any Services or its associated services for review by the general public, or by the members of any public or private community, (each a "Submission" and collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting("Posting") User's Submission, User is granting Morgan Evans, its affiliated companies and necessary sublicense permission to use User's Submission in connection with the operation of their Internet businesses( including, without limitation, all Morgan Evans Services), including without limitation, the license rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat User's Submission; to publish User's name in connection with User's Submission; and the rights to any supplier of the Services.

No compensation will be paid with respect to the use of the User's Submission, as provided herein. Morgan Evans is under no obligation to post or use any Submission User may provide and Morgan Evans may remove any Submission at any time in its sole discretion. By Posting a Submission, User warrants and represents to own or otherwise control all of the rights to User's Submission as

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described in these Terms of Service including, without limitation, all the rights necessary for User to provide, post, upload, input or submit the Submissions.

In addition to the warranty and representation set forth above, by Posting a Submission that contain images, photographs, pictures or that are otherwise graphical in whole or in part("Images"), User warrant and represent that (a) User is the copyright owner of such Images, or that the copyright owner of such Images, or that the copyright owner of such Images has granted User permission to use such Images or any content and/or images contained in such Images consistent with the manner and purpose of User's use and as otherwise permitted by these Terms of Service and the Services, (b) User have the rights necessary to grant the licenses and sublicense described in these Terms of Service, and (c) that each person depicted in such Images, if any, has provided consent to the use of the Images as set forth in these Terms of Service, including, by way of example and not as a limitation, the distribution, public display and reproduction of such Images. By Posting Images, User is granting (a) to all members of User's private community (for each such Images available anywhere on the Services, other than a private community), permission to use User's Images in connection with the use, as permitted by these Terms of Service, of any of the Services, (including, by the way of example and not as a limitation, making prints and gift items which include such Images), and including, without limitation, a non-exclusive, world-wide, royalty-free license to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat User's Images without having User's name attached to such Images, and the right to sublicense such rights to any supplier of the Services. The licenses granted in the preceding sentences for Images will terminate at the time User completely remove such Images from the Services, provided that, such termination shall not affect any licenses granted in connection with such Images prior to the time User completely remove such Images. No compensation will be paid with respect to the use of User's Images.

10. DISCLAIMER OF WARRANTY; LIMITATION OF LIABILITY

A. USER EXPRESSLY AGREES THAT USE OF www.villagepsychic.org IS AT USER'S SOLE RISK. NEITHER Morgan Evans, ITS AFFILIATES

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NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT www.villagepsychic.org WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF www.villagepsychic.org OR AS TO THE ACCURACY, RELIABILITY OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED THROUGH www.villagepsychic.org

B. www.villagepsychic.org IS PROVIDED ON AN "AS IS" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OTHER THAN THOSE WARRANTIES WHICH ARE IMPLIED BY AND INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT.

C. THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO ALTERATION OF OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. USER SPECIFICALLY ACKNOWLEDGES THAT Morgan Evans IS NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH THE USER.

D. IN NO EVENT WILL Morgan Evans, OR ANY PERSON OR ENTITY INVOLVED IN CREATING, PRODUCING OR DISTRIBUTING www.villagepsychic.org OR Morgan Evans PRODUCTS, BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE www.villagepsychic.org USER

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HERBY ACKNOWLEDGES THAT THE PROVISIONS OF THIS SECTION SHALL APPLY TO ALL CONTENT ON THE SITE.
E. IN ADDITION TO THE TERMS SET FORTH ABOVE NEITHER, MORGAN EVANS NOR ITS AFFILIATES, INFORMATION PROVIDERS OR CONTENT PARTNERS SHALL BE LIABLE REGARDLESS OF THE CAUSE OR DURATION, FOR ANY ERRORS, INACCURACIES, OMISSIONS, OR OTHER DEFECTS IN, OR UNTIMELINESS OR INAUTHENTICITY OF THE INFORMATION CONTAINED WITHIN www.villagepsychic.org OR FOR ANY DELAY OR INTERRUPTION IN THE TRANSMISSION THEREOF TO THE USER, OR FOR ANY CLAIMS OR LOSSES ARISING THEREFROM OR OCCASIONED THEREBY. NONE OF THE FOREGOING PARTIES SHALL BE LIABLE FOR ANY THIRD PARTY CLAIMS OR LOSSES OF ANY NATURE, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, PUNITIVE OR CONSEQUENTIAL DAMAGES.

F. PRIOR TO THE EXECUTION OF A STOCK TRADE, USERS ARE ADVISED TO CONSULT WITH YOUR BROKER OR OTHER FINANCIAL REPRESENTATIVE TO VERIFY PRICING OR OTHER INFORMATION. DOLLY FOTI, ITS AFFILIATES, INFORMATION PROVIDERS OR CONTENT PARTNERS SHALL HAVE NO LIABILITY FOR INVESTMENT DECISIONS BASED ON THE INFORMATION PROVIDED. NEITHER, DOLLY FOTI NOR ITS AFFILIATES, INFORMATION PROVIDERS OR CONTENT PARTNERS WARRANT OT GUARANTEE THE TIMELINESS, SEQUENCE, ACCURACY OR COMPLETENESS OF THIS INFORMATION. ADDITIONALLY, THERE ARE NO WARRANTIES AS TO THE RESULTS OBTAINED FROM THE USE OF THE INFORMATION.

G. FORCE MAJEURE-NEITHER PARTY WILL BE RESPONSIBLE FOR ANY FAILURE OR DELAY IN PERFORMANCE DUE TO CIRCUMSTANCES BEYOND ITS REASONABLE CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOD, WAR, RIOT, EMBARGOES,ACTS OF CIVIL OR MILITARY AUTHORITIES, FIRE, FLOODS, ACCIDENTS, SERVICE OUTAGES RESULTING FROM EQUIPMENT AND/OR SOFTWARE FAILURE AND/OR TELECOMMUNICATIONS FAILURES, POWER FAILURES, NETWORK FAILURES, FAILURES OF THIRD PARTY SERVICE

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PROVIDERS (INCLUDING PROVIDERS OF INTERNET SERVICES AND TELECOMMUNICATION). THE PARTY AFFECTED BY ANY SUCH EVENT SHALL NOTIFY THE OTHER PARTY WITHIN A MAXIMUM OF FIFTEEN(15) DAYS FROM ITS OCCURRENCE. THE PERFORMANCE OF THIS AGREEMENT SHALL THEN BE SUSPENDED FOR AS LONG AS ANY SUCH EVENT SHALL PREVENT THE AFFECTED PARTY FROM PERFORMING ITS OBLIGATIONS UNDER THIS AGREEMENT.

11. LINKS TO THIRD PARTY SITES

THE LINKS IN THIS AREA WILL LET YOU LEAVE Morgan Evans ’ SITE. THE LINKED SITES ARE NOT UNDER THE CONTROL OF Morgan Evans AND Morgan Evans IS NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED SITE OR ANY LINK CONTAINED IN A LINKED SITE, OR ANY CHANGES OR UPDATES TO SUCH SITES. Morgan Evans IS NOT RESPONSIBLE FOR WEBCASTING OR ANY OTHER FORM OF TRANSMISSION RECEIVED FROM ANY LINKED SITE. Morgan Evans IS PROVIDING THESE LINKS TO YOU ONLY AS A CONVENIENCE, AND THE INCLUSION OF ANY LINK DOES NOT IMPLY ENDORSEMENT BY Morgan Evans OF THE SITE.

Morgan Evans is a distributor, (and not a publisher) of the content supplied by third parties and Users. Accordingly, Morgan Evans has no more editorial control over such content than does a public library, bookstore, or newsstand. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, Users or any other user of www.villagepsychic.org are of those of the respective author(s) or distributor(s) and not of Morgan Evans. Neither Morgan Evans I nor any third-party provider of information guarantees the accuracy, completeness, or usefulness of any content, nor its merchantability or fitness for any particular purpose.

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In many instances, the content available through www.villagepsychic.org represents the opinions and judgements of the respective information provider, User, or other user not under contract with Morgan Evans. Morgan Evans neither endorses nor is responsible for the accuracy or reliability of any opinion, advice or statement made on www.villagepsychic.org by anyone other than authorized Morgan Evans employee spokespersons while acting in their official capacities. Under no circumstance will Morgan Evans be liable for any loss or damage caused by a User's reliance on information obtained through www.villagepsychic.org It is the responsibility of User to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through Morgan Evans. Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.

12. UNSOLICITED IDEA SUBMISSION POLICY

Morgan Evans OR ANY OF ITS EMPLOYEES DO NOT ACCEPT OR CONSIDER UNSOLICITED IDEAS, INCLUDING IDEAS FOR NEW ADVERTISING CAMPAIGNS, NEW PROMOTIONS, NEW PRODUCTS OR TECHNOLOGIES, PROCESSES, MATERIALS, MARKETING PLANS OR NEW PRODUCT NAMES. PLEASE DO NOT SEND ANY ORIGINAL CREATIVE ARTWORK, SAMPLES, DEMOS, OR OTHER WORKS. THE SOLE PURPOSE OF THIS POLICY IS TO AVOID POTENTIAL MISUNDERSTANDINGS OR DISPUTES WHEN MORGAN EVANS PRODUCTS OR MARKETING STRATEGIES MIGHT SEEM SIMILAR TO IDEAS SUBMITTED MORGAN EVANS. SO, PLEASE DO NOT SEND YOUR UNSOLICITED IDEAS TO MORGAN EVANS OR ANYONE ASSOCIATED WITH MORGAN EVANS. IF DESPITE OUR REQUEST THAT YOU DO NOT SEND USS YOUR IDEAS OR MATERIALS, YOU STILL SEND THEM, PLEASE UNDERSTAND THAT

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Morgan Evans MAKES NO ASSURANCES THAT YOUR IDEAS AND MATERIALS WILL BE TREATED AS CONFIDENTIAL OR PROPRIETARY.

13. MONITORING

Morgan Evans shall have the right, but not the obligation, to monitor the content of www.villagepsychic.org including chat rooms and forums, to determine compliance with this Agreement and any operating rules established by Morgan Evans and to satisfy any law, regulation of authorized government request. Morgan Evans shall have the right in its sole discretion to edit, refuse to post or remove any material submitted to or posted on www.villagepsychic.org Without limiting the foregoing Morgan Evans shall have the right to remove any material that Morgan Evans in its sole discretion, fins to be in violation of the provisions hereof or otherwise objectionable.

14. INDEMNIFICATION

User agrees to defend, indemnify, and hold harmless Morgan Evans, its affiliates and their respective agents, officers, directors from and against all claims and expenses, including attorney's fees, arising out of the use of Morgan Evans by User or User's Account.

15. TERMINATION

Either MORGAN EVANS or User may terminate this Agreement at any time. Without limiting the foregoing, Morgan Evans shall have the right to immediately terminate User's Account in the event of any conduct by User which Morgan Evans, in its sole discretion, considers to be unacceptable, or in event, or in the event of any breach by User of this Agreement.

16. MISCELLANEOUS

This Agreement and any operating rules for www.villagepsychic.org established by Morgan Evans constitute the entire agreement of the parties

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with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. This Agreement shall be construed in accordance with the laws of California, USA, without regard to its conflict of laws rules. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. The section headings used herein are for convenience only and shall not be given any legal import.

17. COPYRIGHT NOTICE

18. TRADEMARKS

The names of actual companies and products mentioned herein may be the trademarks of their respective owners. The example companies, organizations, products, domain names, email addresses, logos, people and events depicted therein are fictitious. No association with any real company, organization, product, domain name, email address, logo, person, or event is intended or should be inferred.

Any rights not expressly granted herein are reserved.

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TERMS OF SERVICE AGREEMENT

1. ACCEPTANCE OF TERMS

2. CHANGED TERMS Morgan Evans shall have the right at any time to change or modify the terms and conditions applicable to the User's use of www.villagepsychic.org or any part thereof, or to impose new conditions, including, but not limited to, adding fees and charges for use. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by means including, but not limited to, posting on

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3. DESCRIPTION OF SERVICES

4. EQUIPMENT

5. USER CONDUCT

A. User shall use www.villagepsychic.org for lawful purposes only. User shall not post or transmit through www.villagepsychic.org any material which violates or infringes in any way upon the rights of others, which is unlawful, threatening, abusive, defamatory, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any law, or which, without Morgan Evans’ express prior approval, contains advertising or any solicitation with respect to products or services. Any conduct by a User that in Morgan Evans’ discretion restricts or inhibits any other User from using or enjoying www.villagepsychic.org will not be permitted. User shall not use www.villagepsychic.org to advertise or perform any commercial solicitation, including, but not limited to, the solicitation of users to become

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subscribers of other on-line information services competitive with Morgan Evans.
B. contains copyrighted material, trademarks and other proprietary information, including, but not limited to, text, software, photos, video, graphics, music and sound, and the entire contents of www.villagepsychic.org are copyrighted as a collective work under the United States copyright laws. Morgan Evans owns a copyright in the selection, coordination, arrangement and enhancement of such content, as well as in the content original to it. User may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the content, in whole or in part. User may download copyrighted material for User's personal use only. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication or commercial exploitation of downloaded material will be permitted without the express permission of Morgan Evans and the copyright owner. In the event of any permitted copying, redistribution or publication of copyright notice shall be made. User acknowledges that it does not acquire any ownership rights by downloading copyrighted material.

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D. The foregoing provisions of Section 5 are for the benefit Morgan Evans, its subsidiaries, affiliates and its third party content providers and licensors(if any) and each shall have the right to assert and enforce such provisions directly or on its own behalf.

6. USE OF SERVICES

• Use the Communication Services in connection with surveys, contests, pyramid schemes, chain letters, junk email, spamming or any duplicate or unsolicited messages (commercial or otherwise).

• Defame abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.

• Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, obscene, indecent or unlawful topic, name, material or information.

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• Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Services specifically allows such messages.

• Restrict or inhibit any other user from using and enjoying the Communication Services.

• Violate any code of conduct or other guidelines which may be applicable for any
particular Communication Services.

• Harvest or otherwise collect information about others, including email addresses.

• Violate any applicable laws or regulations.

• Create a false identity for the purpose of misleading others.

• Use, download or otherwise copy, or provide (whether or not for a fee) to a person or
entity any directory of users of the Services or other user or usage information or any portion thereof.
Morgan Evans has no obligation to monitor the Communication Services. However, Morgan Evans reserves the right to review materials posted to the Communication Services and to remove any materials in its sole discretion. Morgan Evans reserves the right to terminate User's access to any or all of the Communication Services at any time, without notice, for any reason whatsoever. Morgan Evans reserves the right at all times to disclose any information as it deems necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, in Morgan Evans’ sole discretion.

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7. MEMBER ACCOUNT, PASSWORD, AND SECURITY

8. NOTICE SPECIFIC TO DOCUMENTS AVAILABLE ON THIS YOUR WEBSITE ADDRESS

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Permission to use Documents (such as white papers, press releases, data sheets and FAQs) from the Services is granted, provided that;

• the below copyright notice appears in all copies and that both the copyright notice and this permission notice appear;

• use of such Documents from the Services is for informational and non-commercial or personal use only and will not copied or posted on any network computer or broadcast in any media;

• no modifications of any Documents are made. Accredited educational institutions, such as universities, private/public colleges, and state community colleges, may download and reproduce the Documents for distribution in the classroom. Distribution outside the classroom requires express written permission. Use for any other purpose is expressly prohibited by law; and may result in civil and criminal penalties. Violators will be prosecuted to the maximum extent possible.
Morgan Evans AND/OR ITS RESPECTIVE SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION CONTAINED IN THE DOCUMENTS AND RELATED GRAPHICS PUBLISHED AS PART OF THE SERVICES FOR ANY PURPOSE. ALL SUCH DOCUMENTS AND RELATED GRAPHICS PUBLISHED AS PART OF THE SERVICES FOR ANY PURPOSE ALL SUCH DOCUMENTS AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. Morgan Evans AND/OR RESPECTIVE SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, INCLUDING ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, WHETHER EXPRESS, IMPLIED OR STATUTORY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON- INFRINGEMENT. IN NO EVENT SHALL DOLLY FOTI AND/OR ITS RESPECTIVE SUPPLIERS AS LIABLE FOR ANY SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA OR PROFITS,WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION

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WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE FROM THE SERVICES.

9. MATERIALS PROVIDED TO MORGAN EVANS OR POSTED AT ANY OF ITS WEBSITE ADDRESSES

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described in these Terms of Service including, without limitation, all the rights necessary for User to provide, post, upload, input or submit the Submissions.

In addition to the warranty and representation set forth above, by Posting a Submission that contain images, photographs, pictures or that are otherwise graphical in whole or in part("Images"), User warrant and represent that (a) User is the copyright owner of such Images, or that the copyright owner of such Images, or that the copyright owner of such Images has granted User permission to use such Images or any content and/or images contained in such Images consistent with the manner and purpose of User's use and as otherwise permitted by these Terms of Service and the Services, (b) User have the rights necessary to grant the licenses and sublicenses described in these Terms of Service, and (c) that each person depicted in such Images, if any, has provided consent to the use of the Images as set forth in these Terms of Service, including, by way of example and not as a limitation, the distribution, public display and reproduction of such Images. By Posting Images, User is granting (a) to all members of User's private community (for each such Images available anywhere on the Services, other than a private community), permission to use User's Images in connection with the use, as permitted by these Terms of Service, of any of the Services, (including, by the way of example and not as a limitation, making prints and gift items which include such Images), and including, without limitation, a non-exclusive, world-wide, royalty-free license to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat User's Images without having User's name attached to such Images, and the right to sublicense such rights to any supplier of the Services. The licenses granted in the preceding sentences for Images will terminate at the time User completely remove such Images from the Services, provided that, such termination shall not affect any licenses granted in connection with such Images prior to the time User completely remove such Images. No compensation will be paid with respect to the use of User's Images.

10. DISCLAIMER OF WARRANTY; LIMITATION OF LIABILITY

A. USER EXPRESSLY AGREES THAT USE OF www.villagepsychic.org IS AT USER'S SOLE RISK. NEITHER Morgan Evans, ITS AFFILIATES

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C. THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO ALTERATION OF OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOUR, NEGLIGENCE, OR ANY OTHER CAUSE OF ACTION. USER SPECIFICALLY ACKNOWLEDGES THAT DOLLY FOTI IS NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES AND THAT THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH THE USER.

D. IN NO EVENT WILL MORGAN EVANS, OR ANY PERSON OR ENTITY INVOLVED IN CREATING, PRODUCING OR DISTRIBUTING www.villagepsychic.org OR MORGAN EVANS PRODUCTS, BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE www.villagepsychic.org USER

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HERBY ACKNOWLEDGES THAT THE PROVISIONS OF THIS SECTION SHALL APPLY TO ALL CONTENT ON THE SITE.
E. IN ADDITION TO THE TERMS SET FORTH ABOVE NEITHER, Morgan Evans NOR ITS AFFILIATES, INFORMATION PROVIDERS OR CONTENT PARTNERS SHALL BE LIABLE REGARDLESS OF THE CAUSE OR DURATION, FOR ANY ERRORS, INACCURACIES, OMISSIONS, OR OTHER DEFECTS IN, OR UNTIMELINESS OR UNAUTHENTICITY OF THE INFORMATION CONTAINED WITHIN www.villagepsychic.org OR FOR ANY DELAY OR INTERRUPTION IN THE TRANSMISSION THEREOF TO THE USER, OR FOR ANY CLAIMS OR LOSSES ARISING THEREFROM OR OCCASIONED THEREBY. NONE OF THE FOREGOING PARTIES SHALL BE LIABLE FOR ANY THIRD PARTY CLAIMS OR LOSSES OF ANY NATURE, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, PUNITIVE OR CONSEQUENTIAL DAMAGES.

F. PRIOR TO THE EXECUTION OF A STOCK TRADE, USERS ARE ADVISED TO CONSULT WITH YOUR BROKER OR OTHER FINANCIAL REPRESENTATIVE TO VERIFY PRICING OR OTHER INFORMATION. MORGAN EVANS, ITS AFFILIATES, INFORMATION PROVIDERS OR CONTENT PARTNERS SHALL HAVE NO LIABILITY FOR INVESTMENT DECISIONS BASED ON THE INFORMATION PROVIDED. NEITHER, MORGAN EVANS NOR ITS AFFILIATES, INFORMATION PROVIDERS OR CONTENT PARTNERS WARRANT OT GUARANTEE THE TIMELINESS, SEQUENCE, ACCURACY OR COMPLETENESS OF THIS INFORMATION. ADDITIONALLY, THERE ARE NO WARRANTIES AS TO THE RESULTS OBTAINED FROM THE USE OF THE INFORMATION.

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11. LINKS TO THIRD PARTY SITES

THE LINKS IN THIS AREA WILL LET YOU LEAVE Morgan Evans SITE. THE LINKED SITES ARE NOT UNDER THE CONTROL OF Morgan Evans AND Morgan Evans IS NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED SITE OR ANY LINK CONTAINED IN A LINKED SITE, OR ANY CHANGES OR UPDATES TO SUCH SITES. Morgan Evans NOT RESPONSIBLE FOR WEBCASTING OR ANY OTHER FORM OF TRANSMISSION RECEIVED FROM ANY LINKED SITE. Morgan Evans IS PROVIDING THESE LINKS TO YOU ONLY AS A CONVENIENCE, AND THE INCLUSION OF ANY LINK DOES NOT IMPLY ENDORSEMENT BY Morgan Evans OF THE SITE.

Morgan Evans is a distributor, (and not a publisher) of the content supplied by third parties and Users. Accordingly, Morgan Evans has no more editorial control over such content than does a public library, bookstore, or newsstand. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, Users or any other user of www.villagepsychic.org are of those of the respective author(s) or distributor(s) and not of Morgan Evans. Neither Morgan Evans nor any third-party provider of information guarantees the accuracy, completeness, or usefulness of any content, nor its merchantability or fitness for any particular purpose.

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In many instances, the content available through www.villagepsychic.org represents the opinions and judgements of the respective information provider, User, or other user not under contract with Morgan Evans. Morgan Evans neither endorses nor is responsible for the accuracy or reliability of any opinion, advice or statement made on www.villagepsychic.org by anyone other than authorized Morgan Evans employee spokespersons while acting in their official capacities. Under no circumstance will Morgan Evans I be liable for any loss or damage caused by a User's reliance on information obtained through www.villagepsychic.org It is the responsibility of User to evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other content available through Morgan Evans Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice or other content.

12. UNSOLICITED IDEA SUBMISSION POLICY

Morgan Evans OR ANY OF ITS EMPLOYEES DO NOT ACCEPT OR CONSIDER UNSOLICITED IDEAS, INCLUDING IDEAS FOR NEW ADVERTISING CAMPAIGNS, NEW PROMOTIONS, NEW PRODUCTS OR TECHNOLOGIES, PROCESSES, MATERIALS, MARKETING PLANS OR NEW PRODUCT NAMES. PLEASE DO NOT SEND ANY ORIGINAL CREATIVE ARTWORK, SAMPLES, DEMOS, OR OTHER WORKS. THE SOLE PURPOSE OF THIS POLICY IS TO AVOID POTENTIAL MISUNDERSTANDINGS OR DISPUTES WHEN Morgan Evans PRODUCTS OR MARKETING STRATEGIES MIGHT SEEM SIMILAR TO IDEAS SUBMITTED TO Morgan Evans. SO, PLEASE DO NOT SEND YOUR UNSOLICITED IDEAS TO Morgan Evans OR ANYONE ASSOCIATED WITH MORGAN EVANS. IF DESPITE OUR REQUEST THAT YOU DO NOT SEND USS YOUR IDEAS OR MATERIALS, YOU STILL SEND THEM, PLEASE UNDERSTAND THAT

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Morgan Evans MAKES NO ASSURANCES THAT YOUR IDEAS AND MATERIALS WILL BE TREATED AS CONFIDENTIAL OR PROPRIETARY.

13. MONITORING

MORGAN EVANS shall have the right, but not the obligation, to monitor the content of www.villagepsychic.org including chat rooms and forums, to determine compliance with this Agreement and any operating rules established by Morgan Evans and to satisfy any law, regulation of authorized government request. Morgan Evans shall have the right in its sole discretion to edit, refuse to post or remove any material submitted to or posted on www.villagepsychic.org Without limiting the foregoing Morgan Evans shall have the right to remove any material that Morgan Evans in its sole discretion, fins to be in violation of the provisions hereof or otherwise objectionable.

14. INDEMNIFICATION

15. TERMINATION

Either Morgan Evans or User may terminate this Agreement at any time. Without limiting the foregoing, Morgan Evans shall have the right to immediately terminate User's Account in the event of any conduct by User which Morgan Evans, in its sole discretion, considers to be unacceptable, or in event, or in the event of any breach by User of this Agreement.

16. MISCELLANEOUS

This Agreement and any operating rules for www.villagepsychic.org established by Morgan Evans constitute the entire agreement of the parties

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17. COPYRIGHT NOTICE

18. TRADEMARKS

Any rights not expressly granted herein are reserved.

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16. MISCELLANEOUS

This Agreement and any operating rules for www.villagepsychic.org established by Morgan Evans constitute the entire agreement of the parties

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17. COPYRIGHT NOTICE

18. TRADEMARKS

Any rights not expressly granted herein are reserved.

Terms of service.

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