Please read these terms carefully before using this site. By using this site, you signify your assent to these terms of use. If you do not agree to these terms, please do not use the site or software.

This entire World Wide Web site is copyrighted under United States law and protected by worldwide copyright laws and treaty provisions. Users of the site MAY download or print one copy of any and all materials on the site for personal, non-commercial use, provided that they do not modify or alter the materials in any way, nor delete or change any copyright or trademark notice. All material on this site is provided for lawful purposes only. None of the information on this site may be copied, distributed or transmitted in any way for commercial use without the express written consent of Nova Libra. Nova Libra reserves full ownership of and intellectual property rights in any materials downloaded from this site. Modifications of the materials or use of the materials for any other purpose is a violation of Nova Libra copyright and other proprietary rights. For purposes of this Agreement, the use of any such material on any other Web site or networked computer environment is prohibited.

In the event you download any software from the site, the software, including any files, images incorporated in or generated by the software, and data accompanying the software (collectively, the "software") are licensed to you by Nova Libra. Nova Libra does not transfer title to the software to you. You own the medium on which the software is recorded, but Nova Libra retains full and complete title to the software, and all intellectual property rights therein. You may not redistribute, sell, decompile, reverse engineer, disassemble or otherwise reduce the software to a human-perceivable form.

This agreement is effective until terminated by either party. You may terminate this agreement at any time by destroying all materials obtained from any and all Nova Libra site(s) and all related documentation and all copies and installations thereof, whether made under the terms of this agreement or otherwise. This agreement will terminate immediately without notice from Nova Libra. If in Nova Libra sole discretion you fail to comply with any term or provision of this agreement. Upon termination, you must destroy all materials obtained from this site and any and all other Nova Libra site(s) and all copies thereof, whether made under the terms of this agreement or otherwise.

THIS SITE AND ALL OF THE INFORMATION IT CONTAINS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED. ALL IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, ARE HEREBY EXPRESSLY DISCLAIMED Nova Libra does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. Nova Libra does not warrant or make any representations regarding the use or the results of the use of the materials in this site in terms of their correctness, accuracy, reliability, or otherwise. You (and not Nova Libra) assume the entire cost of all necessary servicing, repair or correction. Applicable law may not allow the exclusion of implied warranties, so the above exclusion may not apply to you.

Under no circumstances, including, but not limited to, negligence, shall Nova Libra be liable for any special or consequential damages that result from the use of, or the inability to use, the materials in this site, even if Nova Libra or a Nova Libra authorized representative has been advised of the possibility of such damages. Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall Nova Libra, Inc. total liability to you for all damages, losses, and causes of action [whether in contract, tort (including, but not limited to, negligence) or otherwise] exceed the amount paid by you, if any, for accessing this site.

This agreement shall be governed by and construed in accordance with the laws of the State of Illinois, without giving effect to any principles of conflicts of law. If any provision in this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and not affect the validity and enforceability of any remaining provisions. This is the entire agreement between the parties relating to the subject herein and shall not be modified except in writing, signed by both parties.

Nova Libra shall have the right at any time to change or discontinue any aspect or feature of its web site(s), including, but not limited to, content, hours of availability, and equipment needed for access or use.

Nova Libra shall have the right at any time to change or modify the terms and conditions applicable to use of its web site(s) and software, or any part thereof, or to impose new conditions, including, but not limited to, adding fees and charges for use of the web site. Such changes, modifications, additions or deletions shall be effective immediately upon notice thereof, which may be given by means including, but not limited to, posting on Nova Libra web site or by electronic or conventional mail, or by any other means by which users obtain notice thereof. Any use of Nova Libra web site(s) after such notice shall be deemed to constitute acceptance by users of such changes, modifications or additions.