DISCLAIMER AND USER AGREEMENT

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS  BEFORE ACCESSING THIS SITE. By using  this site, you agree to the following terms and conditions  just as though you and me had signed a written contract. Please review the terms and conditions on a periodic basis as they are subject to change, alteration or update at any time . I f you do not agree to any term or condition, you should not use this site.

        Copyrights and Trademarks
        Copyright 1999-2001 by Eddie A. Artajo. This site is owned and operated by Eddie A. Artajo.  The  entire content of this site is copyrighted under United States law and protected by  worldwide copyright laws and treaty provisions. All content displayed on the  web site is
 either the property of Eddie A. Artajo, or used with appropriate permission by the given authors. User may not modify, copy, distribute, transmit, display, perform, reproduce,
 publish, license, create derivative works from, transfer, or sell any information, materials,
 text, images or other content obtained from this web site. "Zamboanga del Norte Community  Website" does not authorize the use of any trade name, trademark, logo or
 copyrighted material contained or referenced herein. Any such action (whether you do it
  yourself or  someone else to do so) constitutes a violation of your agreement with me and 
 may constitute civil and/or criminal copyright infringement and/or a violation of other
  applicable laws.

         Liability Disclaimer
         There are certain risks in using any information, software or products found on the 
  Internet; and "Zamboanga del Norte Community  Website" cautions you to make sure that
  you completely  understand these risks before retrieving, using, relying upon anything via the  Internet.  Visitors to this site assume all responsibility and risk for the use of this site.
Information provided or contained in this site is provided without charge as a convenience 
 to  visitors only and does not warrant or represent that this site content is accurate, 
 complete, or up-to-date, nor does it warrant or represent that access to or use of this site 
or the server which makes it available will be uninterrupted, error-free. You hereby
acknowledge that the content of this site may include technical inaccuracies or typographical errors. Nothing in this site constitutes investment advice. The materials in this site, are provided "AS IS". and without warranties of any kind, either express or implied. "ZAMBOANGA DEL NORTE COMMUNITY WEBSITE"  DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED  WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

         Limitation of Liability
         "Zamboanga del Norte Community  Website" is not responsible for any infections,
contaminations, delay in operation or transmission, line failure, errors, omissions,
 interruptions or defects arising out of your use of this site or with respect to the material
 provided or contained in this site. In no event shall "Zamboanga del Norte Community 
 Website" be liable for any special, indirect, incidental, consequential damages or other
 damages of any kind, resulting from  whatever cause, including but not limited loss of use,
 loss of profits, loss of data or loss of business opportunity. Not with standing the above, 
 in no event shall 'Zamboanga del Norte Community  Website" liability to you for any and all
 claims, damages, losses, and causes of action of any type exceed the amount paid by you,
 if any, for accessing this site.

          Communications and Submissions
         
Any communication or material which you post or transmit to  "Zamboanga del Norte
 Community  Website"over the Internet is, and will be treated as, non-confidential and
 non-proprietary and  will forever be the sole property of "Zamboanga del Norte Community 
 Website" By posting or transmitting any information, communication or material to this
  site, you agree that  "Zamboanga del Norte Community  Website"will not be liable to you 
 for its use and you agree that "Zamboanga del Norte Community  Website"shall be free to use such information, communication or material for any purpose whatsoever.

            "Zamboanga del Norte Community  Website" does not rent, sell or exchange information  about its users. E-mail addresses submitted to "Zamboanga del Norte Community  Website" are kept confidential and will not be sold or otherwise distributed to third parties.

            You should be aware that if you voluntarily disclose personal information (e.g., user name, e-mail address) on a guestbook or in a chat room, that information can be collected and used by others and may result in unsolicited messages from other parties.

           Do not post or transmit any unlawful, threatening, libelous, defamatory, obscene,
pornographic or profane material or any other material that would constitute or encourage
conduct that is a criminal offense, give rise to civil liability or otherwise violate any law. You
 are solely responsible for any information, communication or material you submit to this
 site and you, not "Zamboanga del Norte Community  Website", have fully responsibility for
 such information, communication or material, including its legality, reliability,
 appropriateness, originality or copyright.

         Service Contact
        
Contact Eddie A. Artajo  with questions or problems with this web site.

          Source Access
         
If you access "Zamboanga del Norte Community  Website" web site through another source (such as America Online), this agreement shall be in addition to any agreement between you and the other source (as well as any terms and conditions constituting part of that agreement.)

          Third Party Sites
            "Zamboanga del Norte Community  Website"may provide links or pointers to other sites maintained by 
third parties and may provide third party materials on this site. These third party sites or materials are provided for your convenience only. "Zamboanga del Norte
Community  Website" does not operate or control in any respect any information, products,
services or material available on these third party sites and "Zamboanga del Norte
Community  Website" is not responsible for their NOT an endorsement, authorization,
sponsorship, affiliation, joint venture or partnership by  "Zamboanga del Norte Community 
 Website" with respect to such sites, its owners or providers. You access these sites at your
 own risk.

          General
           "Zamboanga del Norte Community  Website"  reserves the right to make any and all changes to this  web site at its sole discretion without notice to the User. "Zamboanga del Norte Community  Website" reserves the right to deny access to this web site to anyone at
anytime. This Agreement shall be deemed to include all other notices, policies, disclaimers, and other terms contained in this web site; provided, however, that in the event of a
 conflict  between such other terms and the terms of this Agreement, the terms of this
 Agreement shall control. User acknowledges that no joint venture, partnership, employ-
 ment, or agency relationship   exists between the User and  "Zamboanga del Norte
Community Website"as a result of this Agreement or use of this web site. User agrees not
 to hold  himself or herself out as a representative, agent, or employee of  "Zamboanga del
 Norte Community  Website"and "Zamboanga del Norte Community  Website" shall not be
liable for ny representation, act or omission of the User.
 
Any rights not expressly granted
herein are reserved.

            Termination
          
This Agreement is effective until terminated by either party. You may terminate this Agreement by destroying all materials obtained from this site and all related
documentation and all copies or installations thereof. This Agreement will terminate
immediately without notice from "Zamboanga del Norte Community  Website" if, in 
 "Zamboanga del Norte Community  Website"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 andall related documentation and all copies or installations thereof.

            Jurisdiction and Choice of Law
           
This site is operated by "Zamboanga del Norte Community  Website" from the State of Mississippi,  United States of America. Those who access this site from other locations  do so at their own risk and are responsible for compliance with any and all local laws.  regard to choice oflaw rules. Any legal action regarding this Agreement or this site shall be brought in the either State or Federal Courts located within the State of Mississippi
and by using this site  your consent to personal jurisdiction within these courts. If litiga-
 tion results, and  you're held liable, you agree to pay us back for our attorneys' fees and
 court costs. In addition, you'll be  liable for any  costs which we incur in finding your  street address in order to serve process upon you.

    For further information about these terms, send a message to
                  Eddie A, Artajo