Avtal f�r Hotmail-tj�nsten. Jag tog bort lite escape-sekvenser och ersatte dessa med "*" i st�llet. /h ================================================================================ AGREEMENT BETWEEN YOU AND MICROSOFT CORPORATION MSN Hotmail uses the Microsoft Passport service to register you for and to sign you in to your e-mail account. Hotmail and Passport have separate terms of use and privacy statements. To use the Hotmail service, you must agree to the terms of use and privacy statement for Hotmail and to those for Passport. The Passport Terms of Use appear immediately after the Hotmail Terms of Use, below. The Hotmail Privacy Statement is available at http://privacy.msn.com; the Passport Privacy Statement is available at http://www.passport.com/consumer/privacypolicy.asp. MSN WEB SITE TERMS OF USE and NOTICES AGREEMENT BETWEEN USER AND MICROSOFT The MSN Web Site is comprised of various Web sites and Web pages operated by Microsoft or its affiliates (collectively, the "MSN Web Sites"). The MSN Web Sites are offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the MSN Web Sites constitutes your agreement to all such terms, conditions, and notices. Your use of a particular MSN Web Site included within the MSN Web Sites may also be subject to additional terms outlined elsewhere in this agreement (the "Additional Terms"). For the terms and conditions that govern these additional Microsoft web sites and/or services, please see below Additionally, the MSN Web Sites may themselves contain additional terms, codes of conduct or guidelines that govern use of those sites, including without limitation, particular features or offers (for example, sweepstakes or chat areas). In the event that any of the terms, conditions, and notices contained herein conflict with the Additional Terms or other terms and guidelines contained within any particular MSN Web Site, then these terms shall control. For the terms and conditions which govern these additional Microsoft web sites and/or services go to: MSN Internet Access: http://memberservices.msn.com/gettingstarted/guidelines/memberagreement.htm Expedia: http://expedia.msn.com/daily/home/legal.asp Microsoft Passport: http://www.passport.com/Consumer/TermsOfUse.asp?PPlcid=1033 Microsoft bCentral: http://www.bcentral.com/npl/terms.html PRIVACY AND PROTECTION OF PERSONAL INFORMATION See the Privacy Statement at http://privacy.msn.com for disclosures relating to the collection and use of your information. MEMBER ACCOUNT, PASSWORD, AND SECURITY If a particular MSN Site/Service requires you to open an account, you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form. You then will choose a password and an user name. You are entirely responsible for maintaining the confidentiality of your password and account. Furthermore, you are entirely responsible for any and all activities that occur under your account. You agree to notify Microsoft immediately of any unauthorized use of your account or any other breach of security. Microsoft will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by Microsoft or another party due to someone else using your account or password. You may not use anyone else's account at any time, without the permission of the account holder. Some MSN Sites/Services automatically provide you with a Microsoft Passport account when you open an account (e.g. Hotmail, MSN Explorer), to learn more about what a Microsoft Passport is please visit the Passport web site at www.passport.com. MODIFICATION OF THESE TERMS OF USE Microsoft reserves the right to change the terms, conditions, and notices under which the MSN Sites/Services are offered, including but not limited to the charges associated with the use of the MSN Sites/Services. You are responsible for regularly reviewing these terms and conditions and additional terms posted on particular websites. Your continued use of the MSN Sites/Services constitutes your agreement to all such terms, conditions, and notices. PERSONAL AND NON-COMMERCIAL USE LIMITATION Unless otherwise specified, the MSN Sites/Services are for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the MSN Sites/Services. LINKS TO THIRD PARTY SITES The MSN Sites/Services may contain links to third party Web sites ("Linked Sites"). The Linked Sites are not under the control of Microsoft and Microsoft is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. Microsoft is not responsible for webcasting or any other form of transmission received from any Linked Site nor is Microsoft responsible if the Linked Site is not working appropriately. Microsoft is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Microsoft of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites. Any dealings with third parties (including advertisers) included within the MSN Sites/Services or participation in promotions, including the delivery of and the payment for goods and services, and any other terms, conditions, warranties or representations associated with such dealings or promotions, are solely between you and the advertiser or other third party. Microsoft shall not be responsible or liable for any part of any such dealings or promotions. NO UNLAWFUL OR PROHIBITED USE As a condition of your use of the MSN Sites/Services, you will not use the MSN Sites/Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the MSN Sites/Services in any manner which could damage, disable, overburden, or impair any MSN Site/Service(s) (or the network(s) connected to any MSN Site/Service(s)) or interfere with any other party's use and enjoyment of any MSN Site/Service(s). You may not attempt to gain unauthorized access to any MSN Site/Service, other accounts, computer systems or networks connected to any MSN Site/Service, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the MSN Sites/Services. USE OF SERVICES The MSN Sites/Services may contain e-mail 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 you to communicate with others (collectively, "Communication Services"). 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By way of example, and not as a limitation, you agree that when using a Communication Service, you will not: * Use the Communication Service in connection with surveys, contests, pyramid schemes, chain letters, junk email, spamming or any duplicative 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, infringing, obscene, indecent or unlawful topic, name, material or information. * Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents to do the same. * Upload files that contain viruses, Trojan horses, worms, time bombs, cancelbots, corrupted files, or any other similar software or programs that may damage the operation of another's computer or property of another. * Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages. * Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner. * Falsify or delete any 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 Service. * Harvest or otherwise collect information about others, including e-mail 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 an MSN Site/Service(s) or other user or usage information or any portion thereof. Microsoft has no obligation to monitor the Communication Services. However, Microsoft reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Microsoft reserves the right to terminate your access to any or all of the Communication Services at any time, without notice, for any reason whatsoever. Microsoft reserves the right at all times to disclose any information as Microsoft 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 Microsoft's sole discretion. Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. Microsoft does not control or endorse the content, messages or information found in any Communication Service and, therefore, Microsoft specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Microsoft spokespersons, and their views do not necessarily reflect those of Microsoft. Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination, you are responsible for adhering to such limitations if you download the materials. MATERIALS PROVIDED TO MICROSOFT OR POSTED AT ANY MSN WEB SITE Microsoft does not claim ownership of the materials you provide to Microsoft (including feedback and suggestions) or post, upload, input or submit to any MSN Site/Service or its associated services for review by the general public (each a "Submission" and collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting Microsoft, its affiliated companies and necessary sublicensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission. No compensation will be paid with respect to the use of your Submission, as provided herein. Microsoft is under no obligation to post or use any Submission you may provide and Microsoft may remove any Submission at any time in its sole discretion. By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions. SOFTWARE AND CONTENT AVAILABLE THROUGH THE MSN SITES/SERVICES All content and software (if any) that is made available to view and/or download in connection with the MSN Sites/Services, excluding content and/or software that may be made available by end-users through a Communication Service, ("Software") is owned by and is the copyrighted work of Microsoft Corporation and/or its suppliers and is protected by copyright laws and international treaty provisions. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software ("License Agreement"). 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IN NO EVENT SHALL MICROSOFT AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE MSN SITES/SERVICES, WITH THE DELAY OR INABILITY TO USE THE MSN SITES/SERVICES OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE MSN SITES/SERVICES, OR OTHERWISE ARISING OUT OF THE USE OF THE MSN SITES/SERVICES, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF MICROSOFT OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE MSN SITES/SERVICES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE MSN SITES/SERVICES. GENERAL TERMS REGARDING USE AND STORAGE You agree that Microsoft may establish limits concerning use of any service offered on an MSN Website, including without limitation, the maximum number of days that e-mail messages will be retained by the service, the maximum number of e-mail messages that may be sent from or received by an account on the service, the maximum size of an e-mail message that may be sent from or received by an account on the service, the maximum disk space that will be allotted on Microsoft's servers on your behalf, and the maximum number of times and duration you may access the service in a given period of time. You agree that Microsoft has no responsibility or liability for the deletion, corruption or failure to store any messages or other content maintained or transmitted by the service. You acknowledge that Microsoft reserves the right to delete accounts that are inactive for an extended period of time. MICROSOFT MAKES NO WARRANTY THAT ANY SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE. SERVICE CONTACT: webmaster@msn.com TERMINATION/ACCESS RESTRICTION Microsoft reserves the right, in its sole discretion, to terminate your access to any or all MSN Sites/Services and the related services or any portion thereof at any time, without notice. Microsoft may also terminate or suspend your access to MSN Site/Service(s) for inactivity, which is defined as failing to log into a particular service for an extended period of time, as determined by Microsoft. The amount of time that Microsoft currently considers as an "extended" period of time may be viewed in the FAQ relating to the particular service. Upon termination of the MSN Site/Service, your right to use the MSN Site/Service immediately ceases. Microsoft shall have no obligation to maintain any content or to forward any unread or unsent messages to you or any third party. NO SPAM; DAMAGES Microsoft will immediately terminate any account which it believes, in its sole discretion, is transmitting or is otherwise connected with any spam or other unsolicited bulk email. In addition, because damages are often difficult to quantify, if actual damages cannot be reasonably calculated then you agree to pay Microsoft liquidated damages of $5 (US Currency) for each piece of spam or unsolicited bulk email transmitted from or otherwise connected with your account, otherwise you agree to pay Microsoft's actual damages, to the extent such actual damages can be reasonably calculated. LANGUAGE It is the express will of the parties that this agreement and all related documents have been drawn up in English. C'est la volont� expresse des parties que la pr�sente convention ainsi que les documents qui s'y rattachent soient r�dig�s en anglais. GENERAL This agreement is governed by the laws of the State of Washington, U.S.A. You hereby irrevocably consent to the exclusive jurisdiction and venue of courts in King County, Washington, U.S.A. in all disputes arising out of or relating to the use of the MSN Sites/Services. Use of the MSN Sites/Services is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Microsoft as a result of this agreement or use of the MSN Sites/Services. You agree to indemnify and hold Microsoft, its parents, subsidiaries, affiliates, officers and employees, harmless from any claim, demand, or damage, including reasonable attorneys' fees, asserted by any third party due to or arising out of your use of or conduct on the MSN Sites/Services. Microsoft reserves the right to disclose any personal information about you or your use of the MSN Sites/Services, including its contents, without your prior permission if Microsoft has a good faith belief that such action is necessary to: (1) conform to legal requirements or comply with legal process; (2) protect and defend the rights or property of Microsoft or its affiliated companies; (3) enforce the terms or use; or (4) act to protect the interests of its members or others. Microsoft's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Microsoft's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the MSN Sites/Services or information provided to or gathered by Microsoft with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Microsoft with respect to the MSN Sites/Services and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Microsoft with respect to the MSN Sites/Services. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. COPYRIGHT AND TRADEMARK NOTICES: All contents of the MSN Web Sites are: Copyright � 1996 - 2004 Microsoft Corporation and/or its suppliers, One Microsoft Way, Redmond, Washington 98052-6399 U.S.A. All rights reserved. TRADEMARKS. Microsoft, Windows, Windows NT, MSN, The Microsoft Network, Home Essentials, HomeAdvisor, Encarta, Bookshelf, Picture It!, PowerPoint, BackOffice, Outlook, FrontPage, Computing Central, MapPoint, CarPoint, Hotmail, WebTV, Advisor FYI, ZoneMatch, ZoneMessage, and/or other Microsoft products referenced herein are either trademarks or registered trademarks of Microsoft. The names of actual companies and products mentioned herein may be the trademarks of their respective owners. The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred. Any rights not expressly granted herein are reserved. NOTICES AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to Service Provider's Designated Agent. ALL INQUIRIES NOT RELEVANT TO THE FOLLOWING PROCEDURE WILL RECEIVE NO RESPONSE. See Notice and Procedure for Making Claims of Copyright Infringement. http://www.microsoft.com/info/cpyrtInfrg.htm FOR INFORMATION REGARDING THE MSN.COM PRIVACY STATEMENT SEE HERE. http://privacy.msn.com ADDITIONAL TERMS CARPOINT CARPOINT AUTO-PRICER MSRP AND INVOICE PRICES The MSRP and Invoice Prices generated by the CarPoint Auto-Pricer feature are believed to be accurate, but Microsoft Corporation and its suppliers do not warrant or guarantee such accuracy. Microsoft and its suppliers do not authorize the use of such prices for any purpose other than your personal use, and prohibit to the maximum extent allowable the resale, redistribution, and use of this information for commercial purposes. GAMING ZONE Your use of MSN Gaming Zone ("MSNGZ") is also subject to the Code of Conduct located at the MSNGZ site. Additional policies relating to online conduct, uploaded files, conferences, bulletin boards and other matters are posted at the MSNGZ site. MSNGZ reserves the right to use numeric codes, global unique identifiers (guids), cookies or other technologies in order to identify specific computers that access the Zone. This information may be monitored to develop aggregate and anonymous statistics regarding computer use on the Zone that may be used for MSNGZ operations or by third parties. Computer identification technology may also be used to enforce the TERMS OF USE. Subscription-Based Content. Some contents and/or services on MSNGZ may be offered to you conditioned on your purchase of a subscription. If you elect to purchase subscription-based content/services and transmit to Microsoft a subscription purchase request, you warrant that all information that you submit is true and accurate (including without limitation your credit card number and expiration date), and you agree to pay all subscription fees you incur plus all applicable taxes. You may cancel your subscription to any fee-based content and/or services by contacting Zone Billing Customer Support http://www.zone.com/zqdb/hframe.asp?topic=11003. If you have purchased an automatically renewing subscription, you will not be charged the monthly subscription fee thereafter (but there are no refunds of subscription fees previously paid). No cancellation of access to free content and/or services or to non-renewing subscriptions is required. Your subscription is personal to you and the members of your household, and you may not transfer or make available your account name and password to others, including without limitation your co-workers. Any distribution by you of your account name and password may result in cancellation of your subscription without refund and in additional charges based on unauthorized use. To Unsubscribe from the Newsletter. Go to http://register.microsoft.com/regwiz/wiz275.asp, and sign in, or register if you haven't yet. At the end of the pages listing your personal information, you will be presented with a check-box list of e-mail periodicals. Click the checked box beside the newsletter to clear it; this will unsubscribe you from the newsletter. MSN Health MSN Health is provided to you in association with WebMD. Accordingly, MSN Health is also subject to the Terms and Conditions put forth by WebMD. Please follow http://content.health.msn.com/medcast_channel_toc/1762 to review these Terms and Conditions. MONEYCENTRAL STOCK QUOTES AND E-MAIL ALERTS Stock quotes appearing on the MoneyCentral site and in e-mail alerts are supplied by S&P ComStock, Inc. Unless otherwise indicated, stock quotes are delayed at least 20 minutes (NASDAQ stock quotes are delayed at least 15 minutes). Stock quotes indicated as "real-time quotes" are made available without delay following their receipt from S&P ComStock, Inc. Your actual receipt of real-time quotes may be affected by delays in transmission over the Internet, and by other causes. All stock quotes are labeled with "time of last trade" to indicate the timeliness of the data. Stock quotes are believed to be accurate and timely (subject to the aforementioned delays), but Microsoft and its suppliers do not warrant or guarantee such accuracy or timeliness. You should always consult a stock broker or other authorized financial advisor or representative to establish actual stock prices before making any stock trades or other financial decisions. Microsoft and its suppliers do not authorize the use of stock quote information for any purpose other than your personal use, and prohibit to the maximum extent allowable the resale, redistribution, and use of this information for commercial purposes. THIRD PARTY ACCOUNT INFORMATION By using the "My Accounts" service through the MoneyCentral site, you authorize Microsoft and its agents to access third party sites designated by you or on your behalf, to retrieve information requested by you, and you appoint Microsoft and its agents as your agent for this limited purpose. Each time you enter your account login information, you are permitting Microsoft and its agents to process your request and use information submitted by you to accomplish the foregoing. You will choose a password when registering. You are responsible for maintaining the confidentiality of your password and account. You are fully responsible for all activities that occur using your password or account. Please notify Microsoft immediately of any unauthorized use of your password or account or any other breach of security. Microsoft will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. You may not use anyone else's password at any time. TRADING ONLINE WITH BROKERAGE AND MUTUAL FUND FIRMS The online trading services which you may access through the links contained on the MoneyCentral site are services of the listed independent brokerage and mutual fund companies. In order to use these services, you need to have an existing account with such company, or you will need to set-up an account, which you may do after linking to the company's Web site. Microsoft provides links to selected companies for your convenience only. Microsoft is not a registered broker-dealer or mutual fund company, and does not endorse or recommend the services of any brokerage or mutual fund company. The brokerage or mutual fund company you select is solely responsible for its services to you, and you agree that Microsoft shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. OTHER ACKNOWLEDGMENTS AND NOTICES Historical chart information supplied by Commodity Systems, Inc. (CSI), 200 W. Palmetto Park Road, Boca Raton, FL 33432 (561) 392-8663 or (800) 274- 4727. Email marketing@csidata.com Certain software used in the MoneyCentral Web site servers is based in part on the work of the Independent JPEG Group. Copyright � 1991 -1996 Thomas G. Lane. All rights reserved. "gnuplot" software used in the MoneyCentral Web site servers is copyright � 1986-1993 Thomas Williams, Colin Kelley. All rights reserved. All information provided by S&P ComStock, Inc. ("ComStock") and its affiliates (the "ComStock Information") included in MoneyCentral is owned by or licensed to ComStock and its affiliates and any user is permitted to store, manipulate, analyze, reformat, print and display the ComStock Information only for such user's personal use. In no event shall any user publish, retransmit, redistribute or otherwise reproduce any ComStock Information in any format to anyone, and no user shall use any ComStock Information in or in connection with any business or commercial enterprise, including, without limitation, any securities, investment, accounting, banking, legal or media business or enterprise. Prior to the execution of a security trade based upon the ComStock Information, you are advised to consult with your broker or other financial representative to verify pricing information. Neither ComStock nor its affiliates make any express or implied warranties (including, without limitation, any warranty or merchantability or fitness for a particular purpose or use) regarding the ComStock Information. The ComStock Information is provided to the users "as is." Neither ComStock nor its affiliates will be liable to any user or anyone else for any interruption, inaccuracy, error or omission, regardless of cause, in the ComStock Information or for any damages (whether direct or indirect, consequential, punitive or exemplary) resulting therefrom. HOMEADVISOR ONLINE MORTGAGE SERVICES The online mortgage services that you may access through the hyperlinks contained in the HomeAdvisor Web site are services of the listed independent mortgage lender. Microsoft provides hyperlinks to selected mortgage lenders for your convenience only. Microsoft is not a lender and does not make mortgage loans; rather, it is a computer loan origination system that can help you select a mortgage loan and lender. Microsoft does not endorse or recommend the services of any mortgage lender. Microsoft is not an agent for you or any lender that you select. The mortgage lender you select is solely responsible for its services to you, and you agree that Microsoft shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. Microsoft does not guarantee that the loan terms or rates offered and made available by the lenders through this Web site are the best terms or lowest rates available in the market. Microsoft also does not guarantee that you will be able to obtain a loan from any lender; loan approval standards are established and maintained solely by individual lenders. HOME VALUE ESTIMATES In no event may a user of the Home Value Estimate Tool ("HVET") use such HVET (including any valuations or other data or information produced by or in connection with the HVET), or any portion thereof, to reverse engineer, reproduce, or otherwise recreate the HVET, any valuations or other data or information produced by or in connection with the HVET or any other Freddie Mac product or service or any portion thereof. Each user of the HVET and any data or information produced by the HVET shall be solely responsible for compliance with all applicable laws and regulations relating to such user's use of the HVET and associated data and information. CRIME STATISTICS The crime statistics provided by Online Data Services have been collected from federal, state, and local law enforcement agencies. The accuracy of the statistics as obtained from these agencies is assumed to be correct, but is not guaranteed. The ratings in the form of school grades published by Online Data Services are the result of a comparison of the crime activity in a particular vicinity to the overall crime activity in its surrounding area. No inferences should be drawn regarding the likelihood of a crime occurring or not occurring at a particular location based on the statistics or grade published by Online Data Services. An above average grade does not imply that a particular location is not subject to crime. NO PROFESSIONAL ADVICE The information appearing in the HomeAdvisor Web site and in email alerts is intended solely as general guidance on the home buying and financing processes, and does not constitute legal, tax, accounting or other professional advice. Real estate contracts, closing procedures and disclosures are in part guided by state law. Individual situations and state laws vary and users are encouraged to obtain appropriate advice from qualified professionals in the applicable jurisdictions. ACCURACY OF INFORMATION AND CALCULATIONS Information appearing on the HomeAdvisor Web site and in e-mail alerts, including the results produced by the Calculator features of the HomeAdvisor Web site and information about mortgage interest rates and loan terms, is believed to be accurate, but Microsoft and its suppliers do not warrant or guarantee such accuracy. Mortgage interest rates, loan terms and other information on the HomeAdvisor Web site are subject to change. You should independently verify all relevant information prior to making any decisions based on such information. PRIZM is a registered trademark of Claritas, Inc. 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In addition to the warranty and representation set forth in the section, Materials Provided to Microsoft or Posted at any MSN Web Site, by Posting a Submission that contain images, photographs, pictures or that are otherwise graphical in whole or in part ("Pictures"), you warrant and represent that (a) you are the copyright owner of such Picture, or that the copyright owner of such Picture has granted you permission to use such Picture or any content and/or images contained in such Picture consistent with the manner and purpose of your use and as otherwise permitted by these Terms of Use and the MSN Site/Services, (b) you have the rights necessary to grant the licenses and sublicenses described in these Terms of Use, and (c) that each person depicted in such Picture, if any, has provided consent to the use of the Picture as set forth in these Terms of Use, including, by way of example, and not as a limitation, the distribution, public display and reproduction of such Picture. 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AUCTIONS ELIGIBILITY; AUTHORIZED USE You warrant that you are at least 18 years of age and possess the legal authority to enter into this agreement and to use MSN Auctions & Classifieds, including the buying, selling and listing of items, and any other services offered on this site (collectively, the "Services") in accordance with all terms and conditions herein. If you are buying or selling goods using the Services, you further warrant that you have legal authority to enter into other binding agreements for the sale or purchase of goods. You agree to be financially responsible for all of your use of the Services (as well as for use of your account by others, including without limitation minors living with you). You agree to supervise and be responsible for all usage of minors of the Services under your name or account. You also warrant that all information supplied by you or members of your household in using the Services, including without limitation your name, email address, street address, telephone number, credit card number, and if you are selling goods, all information about your listed goods, is true and accurate. Failure to provide accurate information may subject you to civil and criminal penalties. FEES; PAYMENT Microsoft reserves the right to charge listing fees for certain listings, as well as transaction fees based on certain completed transactions using the Services. Microsoft further reserves the right to alter any and all fees from time to time, without notice. Follow http://auctions.msn.com/scripts/fees.asp to see the current Fee Schedule; and check the Fee Schedule for any updated fee information each time you use the Services. You shall be completely responsible for all charges, fees, duties, taxes, and assessments arising out of the use of the Services. USING THE SERVICES MSN Auctions & Classifieds is offered solely as a forum for you to utilize the Services to buy and sell goods. Microsoft is not involved in any transaction between you and any other party who uses this Site, and is not acting as your or any other party's agent. Microsoft cannot screen, censor or otherwise control the listings or any transactions, including whether a listing is accurately described, whether an item can be legally purchased or sold in your jurisdiction, or whether a transaction will be completed as described by the seller or the buyer. Further, Microsoft cannot control or warrant the behavior of the users of the Services. As such, your use of MSN Auctions & Classifieds and its Services is at your own risk, and Microsoft disclaims any liability with regard to use of the Services and any actions resulting from your or any other party's participation in the Services. You hereby agree to release Microsoft, its suppliers, service partners, agents, employees, consultants, officers and directors from all claims, demands and damages, whether actual or consequential, of every kind, whether known or unknown, disclosed or undisclosed, arising out of or relating to any and all listings, transactions, or any other use of MSN Auctions & Classifieds and the Services. Further, because Microsoft is not involved in any transactions between you and other users of the Services, Microsoft cannot and will not be involved in resolving any disputes relating to any completed or uncompleted transaction for the purchase or sale of listed goods. Please refer to the FAQs at http://auctions.msn.com/scripts/faqs.asp, Help for Buyers at http://auctions.msn.com/scripts/buying.asp and Help for Sellers at http://auctions.msn.com/scripts/selling.asp for additional procedures and guidelines for buying and selling goods on MSN Auctions & Classifieds are set forth here. You warrant that you will abide by all such additional procedures and guidelines, as modified from time to time, in connection with your use of the Services. You further warrant that you will comply with all applicable laws and regulations regarding use of the Services. Without limitation, by listing an item for sale, you represent and warrant that you have the legal right to sell the item, that the item is not counterfeit, and that it is a genuine and authentic item as described by the seller; by making a bid or offer to purchase, you warrant that you have the legal right to make the bid and the resources to honor the bid. It is your responsibility to determine whether the purchase or sale of any listed item is authorized by law, statute, or regulation. Without limitation, the following items may not be sold or offered for sale on the MSN Auctions & Classifieds: firearms, explosives, and ammunition; alcoholic beverages; tobacco products; food that is not packaged or does not comply with all applicable laws for sale to consumers by commercial merchants; pharmaceuticals and controlled substances; counterfeit, pirated or stolen goods; counterfeit, pirated or other unauthorized software, including unlicensed back-up copies, beta or pre-release software, academic edition software licensed solely for use by authorized educational institutions and other users, "fulfillment" software or other software not intended for general public distribution, copies installed on hardware hard drives without authorization, or software unbundled from the hardware it was purchased on or with; any goods that infringe or otherwise violate another party's rights, including copyright, patent, trademark, or rights of publicity or privacy; goods that are, in Microsoft's sole discretion, indecent, obscene or pornographic; registered or unregistered securities; goods which you do not have the legal right to sell; goods which are misrepresented or which do not in fact exist; goods which, if sold via the Services, would cause Microsoft to violate any law, statute or regulation. Microsoft reserves the right to cancel any listing or bid at any time for any reason, with or without cause, and reserves the right to prohibit or restrict access to the Services to anyone at any time, with or without cause. Rev. June 2001