Affinity Group maintains this website in an attempt to provide you with comprehensive information on investments and financial strategies. In addition, the website can be used to provide information about Affinity Group products and services and to execute online transactions. Affinity Group requires that all the visitors to our website adhere to these terms and conditions. By accessing the website, you indicate your acknowledgment and acceptance of these Terms of Use. Please read them carefully. If you do not wish to be bound by these terms, you may not access or use this website.

Affinity Group reserves the right to modify or discontinue, temporarily or permanently, the website for any reason, at its sole discretion, with or without notice to you. Affinity Group likewise may change the terms and conditions from time to time with or without notice to you. You agree to review the Terms of Use periodically to ensure that you are aware of any modifications. Your continued access or use of the website after the modifications have become effective shall be deemed your conclusive acceptance of the modified Terms of Use.

The contents of the website, are protected under copyright, patent, trademark, and other laws. The contents belong to Affinity Group or to others as indicated. The information and materials contained in the website may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, supplemented, transmitted, used to create a derivative work or otherwise used for public or commercial purposes without the express written permission of Affinity Group. Your right to use the website is personal to you. You agree not to reproduce, duplicate, copy, sell, resell, use or exploit for any commercial purposes, the website or use of or access to the website or any information or technology obtained from the website. You agree that you will not use any robot, spider, other automatic device, or manual process to monitor or copy our website pages or the content contained herein without our prior expressed written permission. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the website or any transaction being conducted on our website.

You agree to abide by all applicable laws and regulations in your use of the website. Our website is available only to individuals who are permitted to use it under applicable law. If you do not qualify, please do not use our website. You agree to be solely responsible for your actions and the contents of your transmissions through the website. You agree not to impersonate any person or entity or falsely state or otherwise misrepresent your identity or affiliation with a person or entity.

You agree that Affinity Group may terminate your password, account, or use of the website in Affinity Group's sole discretion for any reason. All notices you give to us shall be in writing and shall be made either via email or conventional mail. In addition, Affinity Group may post notices or links to notices through the website to inform you of changes to the Terms of Use, the website, or other matters of importance.

You agree that all access and use of the website and its contents is at your own risk. By using the website, you acknowledge that we specifically disclaim any liability (whether based in contract, tort, negligence, strict liability or otherwise) for any direct, indirect, incidental, common law, statutory, regulatory, consequential, compensatory, punitive, or special damages arising out of or in any way connected with your access to or use of the website (even if we have been advised of the possibility of such damages) including, but not limited to, any liability associated with any viruses which may infect your computer equipment.

On this website, you will find content, functions, information, and tools, including that provided by third parties that are not the property of Affinity Group. While we strive to keep both Affinity Group and the third-party-provided information current and accurate, we cannot guarantee and expressly do not warrant that the content, functions, information and tools are error-free or that your access will be uninterrupted or that material accessible from this website is free of viruses.

On this website you will find numerous links which will transfer you to the website of an organization that can provide you with value-added information and/or functionality. By linking to these websites, Affinity Group does not represent or imply that there is any business relationship between the two entities. Affinity Group is not responsible for the content and performance of these websites or for your transactions with them. Furthermore, Affinity Group strives to keep these links as current and accurate as possible, but we cannot guarantee and we expressly do not warrant that they point to the intended third-party site. Links to and from this website do not constitute a Affinity Group endorsement.

When registering on the website, you agree to provide current, complete, and accurate information about yourself. If any information you provide is untrue, inaccurate, not current, or incomplete, Affinity Group has the right to decline to provide any and all future use of the website. When you register, Affinity Group may access and process all information included on the form. Affinity Group is permitted to disclose the information you provide to authorized third parties. Affinity Group respects your privacy. Please see our Privacy policy, which is incorporated by reference into these Terms of Use, for the details of our commitment.

If you are not a registered user, you may receive a username and password upon completing the registration process. You are responsible for maintaining the confidentiality of your log-in name and password and for any and all activities that occur under your password or account. You agree to immediately notify Affinity Group of any unauthorized use of your account or any other breach of security known to you.

YOU EXPRESSLY AGREE THAT USE OF THE SERVICE AND ANY MATERIALS OR INFORMATION PROVIDED IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. Affinity Group EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. Affinity Group MAKES NO WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE; NOR DOES Affinity Group MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICE OR THAT DEFECTS IN THE SOFTWARE USED IN THE SERVICE WILL BE CORRECTED. Affinity Group DISCLAIMS ANY WARRANTY THAT THE WEBSITE (OR ANY INFORMATION OR SOFTWARE CONTAINED THEREIN) IS FREE OF VIRUSES, WORMS, TROJAN HORSES, OR OTHER CODE THAT MANIFEST CONTAMINATING OR DESTRUCTIVE PROPERTIES. Affinity Group MAKES NO WARRANTY REGARDING ANY SERVICES OBTAINED THROUGH THE SERVICE OR ANY TRANSACTIONS ENTERED INTO THROUGH THE SERVICE. Affinity Group ASSUMES NO RESPONSIBILITY FOR THE DELETION OR FAILURE TO STORE ANY DATA OR OTHER INFORMATION PROVIDED BY YOU ON THE SERVICE. NOTWITHSTANDING THE FOREGOING, BECAUSE SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OR LIMITATION OF LIABILITY TO THE FULL EXTENT DESCRIBED ABOVE, SOME OF THESE EXCLUSIONS MAY NOT APPLY TO YOU. IN NO EVENT SHALL Affinity Group, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS BE LIABLE TO YOU FOR ANY LOSSES OR DAMAGES GREATER THAN THE AMOUNT SPECIFIED. ALL OTHER DAMAGES, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE, ARISING OUT OF OR RELATING TO USE OF THE WEBSITE ARE HEREBY EXCLUDED EVEN IF Affinity Group, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

You agree to indemnify, defend, and hold harmless Affinity Group, its directors, officers, employees, and agents from and against all losses, expenses, damages, and costs, including reasonable attorney fees, arising out of or relating to use of the website by you or any other person accessing the website using your username and password.

The provisions of these Terms of Use apply for the benefit of Affinity Group and its officers, directors, employees, and agents. Each of these individuals or entities shall have the right to assert and enforce those provisions directly against you on its own behalf. You represent and warrant that you possess the legal right and ability to enter into these Terms of Use and to use the website in accordance with these Terms of Use.

If any provision of the Terms of Use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms of Use remain in full force and effect. You agree that regardless of any statute, regulation, or law to the contrary, any claim or cause of action arising out of or related to use of the website or the Terms of Use must be filed within one (1) year after such claim or cause of action arose or be forever barred.