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Terms of Use Agreement

PLEASE READ THESE WEB SITE TERMS OF USE CAREFULLY BEFORE USING THIS WEB SITE (THE "WEB SITE"). THESE WEB SITE TERMS OF USE (THE "TERMS OF USE") GOVERN YOUR ACCESS TO AND USE OF THE WEB SITE. THE WEB SITE IS AVAILABLE FOR YOUR USE ONLY ON THE CONDITION THAT YOU AGREE TO THE TERMS OF USE SET FORTH BELOW. IF YOU DO NOT AGREE TO ALL OF THE TERMS OF USE, DO NOT ACCESS OR USE THE WEB SITE. BY ACCESSING OR USING THE WEB SITE, YOU AND THE ENTITY YOU ARE AUTHORIZED TO REPRESENT ("YOU" OR "YOUR") SIGNIFY YOUR AGREEMENT TO BE BOUND BY THE TERMS OF USE.

User Eligibility
The Web Site is provided by Accord and available only to entities and persons over the age of legal majority who can form legally binding agreement(s) under applicable law. If You do not qualify, You are not permitted to use the Web Site.

Scope of Terms of Use
These Terms of Use govern Your use of the Web Site and all applications, software and services (collectively, "Services") available via the Web Site, except to the extent such Services are the subject of a separate agreement. Specific terms or agreements may apply to the use of certain Services and other items provided to You via the Web Site ("Service Agreement(s)"). Any such Service Agreements accompany the applicable Services or are listed in association with or through a hyperlink associated with the applicable Services.

Modifications
Accord may revise and update these Terms of Use at any time. Your continued usage of the Web Site after any changes to these Terms of Use will mean You accept those changes. Any aspect of the Web Site may be changed, supplemented, deleted or updated without notice at the sole discretion of Accord. Accord may also change or impose fees for products and services provided through the Web Site at any time in its sole discretion. Accord may establish or change, at any time, general practices and limits concerning other Accord products and services in its sole discretion.

License and Ownership
Any and all intellectual property rights ("Intellectual Property") associated with the Web Site and its contents (the "Content") are the sole property of Accord, its affiliates or third parties. The Content is protected by copyright and other laws in both the United States and other countries. Elements of the Web Site are also protected by trade dress, trade secret, unfair competition, and other laws and may not be copied or imitated in whole or in part. All custom graphics, icons, and other items that appear on the Web Site are trademarks, service marks or trade dress ("Marks") of Accord, its affiliates or other entities that have granted Accord the right and license to use such Marks and may not be used or interfered with in any manner without the express written consent of Accord. Except as otherwise expressly authorized by these Terms of Use, You may not copy, reproduce, modify, lease, loan, sell, create derivative works from, upload, transmit, or distribute the Intellectual Property of the Web Site in any way without Accord's or the appropriate third party's prior written permission. Except as expressly provided herein, Accord does not grant to You any express or implied rights to Accord's or any third party's Intellectual Property.

Accord grants You a limited, personal, nontransferable, nonsublicensable, revocable license to (a) access and use only the Web Site, Content and Services only in the manner presented by Accord, and (b) access and use the Accord computer and network services offered within the Web Site (the "Accord Systems") only in the manner expressly permitted by Accord. Except for this limited license, Accord does not convey any interest in or to the Accord Systems, information or data available via the Accord Systems (the "Information"), Content, Services, Web Site or any other Accord property by permitting You to access the Web Site. Except to the extent required by law or as expressly provided herein, none of the Content and/or Information may be reverse-engineered, modified, reproduced, republished, translated into any language or computer language, re-transmitted in any form or by any means, resold or redistributed without the prior written consent of Accord. You may not make, sell, offer for sale, modify, reproduce, display, publicly perform, import, distribute, retransmit or otherwise use the Content in any way, unless expressly permitted to do so by Accord.

Restrictions on Use of the Web Site
In addition to other restrictions set forth in these Terms of Use, You agree that:

(1) You shall not disguise the origin of information transmitted through the Web Site.

(2) You will not place false or misleading information on the Web Site.

(3) You will not use or access any service, information, application or software available via the Web Site in a manner not expressly permitted by Accord.

(4) You will not input or upload to the Web Site any information which contains viruses, Trojan horses, worms, time bombs or other computer programming routines that are intended to damage, interfere with, intercept or expropriate any system, the Web Site or Information or that infringes the Intellectual Property (defined below) rights of another.

(5) Certain areas of the Web Site are restricted to customers of Accord.

(6) You may not use or access the Web Site or the Accord Systems or Services in any way that, in Accord's judgment, adversely affects the performance or function of the Accord Systems, Services or the Web Site or interferes with the ability of authorized parties to access the Accord Systems, Services or the Web Site.

(7) You may not frame or utilize framing techniques to enclose any portion or aspect of the Content or the Information, without the express written consent of Accord.