Copyright
The MOA web site and all of its content, including text, graphics, and images and other material are protected by both United States and foreign copyright laws. Everything on this site is copyrighted by MOA or the original creator of the material. However, you are free to view, copy, print and distribute MOA material from this web site, as long as: the material is used for information only; the material is used for non-commercial purposes only; and copies of any material include the MOA copyright notice. Use of the Material without authorization from MOA—other than that specifically mentioned above—may violate copyright, trademark, and other laws. The use of the Material on any other web site or in a networked computer environment for any purpose is prohibited.

Web Site Use
MOA makes no claims that the Materials may be lawfully viewed or downloaded outside of the United States. Access to the Materials may not be legal by certain persons or in certain countries. If you access the web site from outside of the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction. If any provision of this Agreement is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full force and effect. No waiver of any term of this Agreement shall be deemed a further or continuing waiver of such term or any other term. Except as expressly provided in a particular “Legal Notice”, or Software License or material on particular web pages, this Agreement constitutes the entire Agreement between the Company and MOA with respect to the use of web site. No changes to these Terms and Agreement shall be made except by a revised posting on this page.

No Warranty
While MOA attempts to provide accurate information on this web site, it assumes no responsibility for accuracy. The web site and material are provided on an “as is” basis without any warranties of any kind. MOA does not warrant that the web site will operate error-free or that the web site and its server are free of computer viruses or other harmful mechanisms. MOA to the fullest extent permitted by law, disclaims all warranties, whether express or implied, including the warranty of merchantability, fitness for particular purpose and non-infringement. MOA makes no warranties about the accuracy, reliability, completeness, or timeliness of the material, services, text, and links. MOA may change the information on the site, or the products mentioned, at any time without notice.

Trademarks
The use of any third-party trademarks or service marks on this web site is for reference purposes only, and does not imply any license or endorsement of any third-party products by MOA.

No Relationship
The information and content provided on this web site and your access of this web site does not create a client-consultant or any other professional relationship. By making this web site available, MOA is not engaged in rendering any industry-related, legal, accounting, tax, consulting, investment, medical, or other professional advice or services to you or any other party. The information and content provided on this web site is not intended to be relied upon for making business, investment or other decisions.

Limitation of Liability
MOA is not liable for any direct, indirect, special, incidental or consequential damages arising out of the use -- or the inability to use -- the material on this site. Web site users agrees to defend, indemnify, and hold harmless MOA, its officers, directors, employees and agents, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of the Material or your breach of the terms of this Agreement.

Browsing
While you browse MOA's web site, our user logs will record the following:

• The name of the domain from which you accessed our web site (Earthlink, AOL, Socket, etc), but the individual e-mail address of the user will not be known.
• The date and time our site was accessed.
• The URL of the web site from which any page on this site was linked. For example, if you clicked on a hyperlink on a Google search to reach the MOA web site, that is recorded.
• The type of browser being used, such as "Internet Explorer Version X.X".
• The type of operating system you use (Mac, Unix, or Windows).
• Our user logs do NOT record information about individuals.

E-mail
E-mail sent to MOA from its Web site usually contains your return address. If you include personal information in your e-mail, we may use that information to respond to your request. E-mail is not secure or confidential. Links to Other Sites The MOA web site contains links to third party web sites. MOA is not responsible for the content of linked third party sites and does not make any representations regarding the content or accuracy of materials on such third party web sites. If you decide to access linked third party web sites, you do so at your own risk. MOA’s privacy policy DOES NOT not apply to any external sites. Read the privacy policies of other sites.