Use of this web site, and information distributed in conjunction with this web sites offered to you on your acceptance of these Terms of Use, our Privacy Policy and other notices posted on this web site. Your use of this web site or of any content presented in any and all areas of the web site indicates your acknowledgment and agreement to these Terms of Use, our Privacy Policy and other notices posted on this web site. If you do not agree to be bound by and comply with all of the foregoing, you may not access or use our currency information, services, or web site. We suggest you print a copy of each of these documents for your records.

CAPIC, Inc. shall have the right, at its sole discretion, to modify, add or remove any terms or conditions of these Terms of Use without notice or liability to you. Any changes to these Terms of Use shall be effectively immediately following the posting of such changes on this web site. The most recent version of these Terms of Use may always be found here. You agree to review these Terms of Use from time to time and agree that any subsequent use by you of this web site following changes to these Terms of Use shall constitute your acceptance of all such changes. These Terms of Use were last modified on May 13, 2003..

This web site is for informational purposes only and is not intended to provide specific commercial, financial, investment, accounting, tax, or legal advice. It is provided to you solely for your own personal, non-commercial use and not for purposes of resale, distribution, public display or performance, or any other uses by you in any form or manner whatsoever. Unless otherwise indicated on this web site, you may display, download, archive, and print a single copy of any information on this web site, or otherwise distributed from CAPIC, Inc., for such personal, non-commercial use, provided it is done pursuant to the User Conduct and Obligations set forth herein.

CAPIC, Inc. shall have the right, at its sole discretion, to modify, add or remove any terms or conditions of these Terms of Use without notice or liability to you. Any changes to these Terms of Use shall be effectively immediately following the posting of such changes on this web site The most recent version of these Terms of Use may always be found here. You agree to review these Terms of Use from time to time and agree that any subsequent use by you of this web site following changes to these Terms of Use shall constitute your acceptance of all such changes. These Terms of Use were last modified on May 25, 2004..

The transmission of data or information (including communications by e-mail) over the Internet or other publicly accessible networks is not secure, and is subject to possible loss, interception or alteration while in transit. Accordingly, we do not assume any liability for any damage you may experience or costs you may incur as a result of any transmissions over the Internet or other publicly accessible networks, such as transmissions involving the exchange of e-mail with us (including those which may contain your personal information). While we shall take commercially reasonable efforts to safeguard the privacy of the information you provide us and treat such information in accordance with our Privacy Policy, in no event will the information you provide to us be deemed to be confidential, create any fiduciary obligations to you on our part, or result in any liability to you on our part in the event that such information is inadvertently released by us or accessed by third parties without our consent.

If you have any questions about this statement, the practices of this site, or your dealings with this Web site, you can contact us using the information below.