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PLEASE READ THE FOLLOWING TERMS OF SERVICE CAREFULLY. BY ACCESSING OR USING OUR SERVICES, YOU HEREBY ACCEPT AND AGREE TO BE BOUND BY THESE TERMS AND ALL TERMS INCORPORATED HEREIN BY REFERENCE. IT IS THE RESPONSIBILITY OF YOU, THE USER OR MEMBER, TO READ THE TERMS OF SERVICE BEFORE PROCEEDING TO USE ANY OF OUR SERVICES, INCLUDING BUT NOT LIMITED TO ALL FEATURES, SITES, AND CONTENT.

1. Acceptance of Terms 2. Definitions 3. Description of Memo’d Services 4. Access and Use of Services 5. Intellectual Property; Propietary Rights 6. User Content 7. Copyright Policy 8. Privacy Policy 9. Account, Username, Password and Security 10. Use and Storage General Practices 11. Cancellation; Termination 12. Links 13. Indemnity 14. Warranty Disclaimers 15. Limitation of Liability 16. Exclusions and Limitations 17. Release 18. Special Admonition Related to Financial Matters 19. Third Party Beneficiaries 20. Notice 21. Dispute Resolution 22. Statute of Limitations 23. General Information