HMI COMMUNICATIONS INC TERMS OF SERVICE

Welcome to HMI Communications Inc!

Thanks for using HMI Communications Inc ("HMICOM") products and services ("Services"). By using our Services, you are agreeing to these terms.

PROPERTY RIGHTS

Data services available through the HMICOM services may be owned by third parties and subject to copyright or terms of use restrictions.

Although the HMICOM can be used to provide you with access to such data services, neither the HMICOM's provision of the access to you nor your use of the HMICOM override the data services owners' copyrights, requirements and restrictions.

You are solely responsible for complying with any requirements or restrictions imposed on usage of the data services by their respective owners.

Before using data services owned by third parties, you must contact the data owner to obtain permission. The HMICOM cannot give you such permission and making the data services available through the HMICOM does not constitute such permission.

Such data services may include, but are not limited to, historical stock data available on the Yahoo! Inc web site and economical data available on the api.stlouisfed.org web site.

CHANGES AND UPGRADES

We may change, suspend, or discontinue any aspect of the HMICOM service at any time, including the availability of the HMICOM itself. We may release subsequent versions of the HMICOM and to require you to obtain and use the most recent version.

LIMITATIONS

We may impose limits on certain features and services or restrict your access to parts or all of the HMICOM without notice or liability.

NO REVERSE ENGINEERING

HMICOM software contains various know-how mathematical methods that allow it to operate in the manner it was designed. You can not modify, reverse engineer, disassemble, create a derivative work from, or in any other way access HMICOM software code other than explicitly provided to you by HMICOM via standard user interface.

CONTRIBUTIONS TO HMICOM

By submitting ideas, suggestions, documents, and/or proposals ("Contributions") to HMICOM through its suggestion or feedback web pages, you acknowledge and agree that: (a) your Contributions do not contain confidential or proprietary information; (b) HMICOM is not under any obligation of confidentiality, express or implied, with respect to the Contributions; (c) HMICOM shall be entitled to use or disclose (or choose not to use or disclose) such Contributions for any purpose, in any way, in any media worldwide; (d) HMICOM may have something similar to the Contributions already under consideration or in development; (e) your Contributions automatically become the property of HMICOM without any obligation of HMICOM to you; and (f) you are not entitled to any compensation or reimbursement of any kind from HMICOM under any circumstances.

INDEMNITY

You agree to indemnify and hold HMICOM and its subsidiaries, affiliates, officers, agents, employees and partners harmless from any claim or demand, including reasonable attorneys' fees, made by any third party due to or arising out of Content you submit, post, transmit, modify or otherwise make available through the HMICOM Services, your use of the HMICOM Services, your connection to the HMICOM Services, your violation of the terms of services, or your violation of any rights of another.

DISCLAIMER OF WARRANTIES

You expressly understand and agree that:

a. Your use of the HMICOM services and software are at your sole risk. The HMICOM services and software are provided on an "as is" and "as available" basis. HMICOM and its subsidiaries, affiliates, officers, employees, agents and partners expressly disclaim all warranties of any kind, whether express or implied, including, but not limited to the implied warranties of title, merchantability, fitness for a particular purpose and non-infringement. b. HMICOM and its subsidiaries, affiliates, officers, employees, agents and partners make no warranty that (i) the HMICOM services or software will meet your requirements; (ii) the HMICOM services or software will be uninterrupted, timely, secure or error-free; (iii) the results that may be obtained from the use of the HMICOM services or software will be accurate or reliable; (iv) the quality of any products, services, information or other material purchased or obtained by you through the HMICOM services or software will meet your expectations; and (v) any errors in the software will be corrected. c. Any material downloaded or otherwise obtained through the use of the HMICOM services or software is accessed at your own discretion and risk, and you will be solely responsible for and hereby waive any and all claims and causes of action with respect to any damage to your computer system, internet access, download or display device, or loss of data that results from the download of any such material. d. No advice or information, whether oral or written, obtained by you from HMICOM or through or from the HMICOM services or software shall create any warranty not expressly stated in this terms of services.

LIMITATION OF LIABILITY

You expressly understand and agree that HMICOM and its subsidiaries, affiliates, officers, employees, agents and partners shall not be liable to you for any punitive, indirect, incidental, special, consequential or exemplary damages, including, but not limited to, damages for loss of profits, goodwill, use, data or other intangible losses (even if HMICOM has been advised of the possibility of such damages), resulting from: (a) the use or the inability to use the HMICOM service; (b) the cost of procurement of substitute goods and services; (c) unauthorized access to or alteration of your transmissions or data; (d) statements or conduct of any third party on the HMICOM service; or (e) any other matter relating to the HMICOM service.

NOT FOR TRADING OR INVESTING

The HMICOM Services is provided for informational purposes only, and no content included in the HMICOM Services is intended for trading or investing purposes. HMICOM and its partners shall not be responsible or liable for the accuracy, usefulness or availability of any information transmitted or made available via the HMICOM Services, and shall not be responsible or liable for any trading or investment decisions based on such information.

CHANGES TO THIS TERMS

We may modify these terms or any additional terms that apply to the Service.